Investor Presentaiton

¡Earn, HDFC Life's hyper-personalized actionable nudge engine ¡Earn: ML-based mobile platform for sales = Tearn NRV My Tasks Drive right behaviours Complete Tasks to earn * 595. today View Tasks Enable activation My Earnings (January MTD) View Details Commission 559 Agency Life 559 Task Reward १० Maximize earnings 15 My Rank (For January) 9 Thane # Dashboard Rankings Key nudges / tasks created to work along with existing technology Lead generation & meeting ■ Sales training Facilitate medical tests ■ Product mix ☐ Persistency Avert freelook-ins Prospect engagement Document collection Rider attachment Improved activity & productivity Direct Channel Agency Channel View Details 20 124 15x 224 2019 Mumbai 2 Central * More tasks closed by front line sales (FLS) 6.5x More tasks closed by agents P Earings Boost retention Tasks LifeStore 16% Avg. Y-o-Y increase in NoP per FLS 30% Avg. Y-o-Y increase in NoP per agent 13% Avg. Y-o-Y increase in EPI per FLS 20% Avg. Y-o-Y increase in EPI per agent Better engagement Performance measured in relative terms between a Habitual iEarn User vs. Non Habitual ¡Earn User Profitable distribution Diversified growth leading Market- mix innovation Quality of 1 Reimagining Board and insurance management HDFC Life

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