Clark Start Up Pitch Deck

CLARK is upending the outdated insurance industry with a tech driven, holistic, customer centric approach Traditional Players • Incumbents maintain a large sales force • Struggle with digitalization and getting to scale OFFLINE Mass-Sale Brokers¹ . Focus on a mass market approach • Aim for conversion independent of individual need Stale experience Bancassurance, Agents & Offine Brokers RED OCEAN Limited differentiation Mass/Tele-Sale Brokers MLP DR.KLEIN -Allianz CUSTOMER- FOCUSED OVB CLARK BLUE OCEAN PRODUCT- FOCUSED ottonove TuFielmann CHECK FRIDAY MediaMast Lemonade Walmart High value add, high margin WRONG OCEAN to the bottom PCWS, Digital Carriers, etc. CLARK Note: The select group of companies sell insurance policies on a transactional basis merely to complement the core product/services they are offering to customers CLARK • Tailored 360 degree advice offered at scale Full breadth of policies on offer: P&C, life and health End-to-end online journeys ONLINE Digital Platforms One-size-fits-all-approach competing on price • Primarily focused on lower margin P&C contracts 5

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