OUR TECHNOLOGY. We think CREATIVELY. We stand for SIMPLICITY ...DIGITIZES INSURANCE COMPANIES

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1 GREATER THAN With a completely unique AI-driven premium model, Greater Than helps insurance companies reduce injury rates by 40 percent by offering a complete turnkey digital car insurance.

2 OUR TECHNOLOGY 1 OUR TECHNOLOGY...DIGITIZES INSURANCE COMPANIES We think CREATIVELY Greater Than has over 14 years of experience in understanding car drivers and with over 5 billion analyzed kilometers, the company has built a database of over 300 million reference profiles. Based on that knowledge, Greater Than offers AI-based car insurance to insurance companies wishing to digitize their business in order to reduce injury rates and provide consumers with transparent, better and cheaper products. Greater Than s AI-based premium model replaces an over one hundred year old system of pricing insurance. Instead of collective pricing, based on old injury statistics, Greater Thans AI charges each individual car trip based on real-time data. Collective pricing today results in unnecessarily high costs. Choosing an individual pricing model ensures guaranteed lower costs. With Greater Than s AI model, pricing is both transparent and responsive to the consumer. On average, Greater Than s insurance solution leads to 17 percent lower premium for the consumer and 40 percent lower injury rate for the insurance company. Greater Than offers its digital car insurance solution as a complete turnkey product with the customer s own design and brand. In order to further simplify, the solution does not require integration with the insurance company s own IT systems, which means that insurance companies can begin selling digital products to new segments in the course of a few weeks.

3 RIGHT IN THE TIMES 2 RIGHT IN THE TIMES...TECHNOLOGY AT THE FOREFRONT The insurance industry is facing a digitization reform that leaves companies with huge challenges Greater Than has the technology that can digitize the entire engine segment in a few weeks as no IT integration is required AI will have a major impact on the insurance industry, where insurance companies will lose customers if they do not keep updated on the latest developments Greater Than started its AI journey in the mid 2000s and currently has the world s largest database for driver profiles. The connected driver is a new phenomenon for the insurance industry Greater Than has developed solutions for the connected driver since 2004 and has analyzed over 5 billion diven kilometers in over 23 countrie TIVELY The insurance industry needs to be more active in climate work according to consumers Greater Than s technology can save 100 million tons of carbon dioxide per year, according to a calculation by WWF and the Swedish Energy Agency. The insurance industry s calculation model is modernized as today s system creates unnecessarily high claims costs and consumers are forced to pay for others Greater Than s technology can save 100 million tons of carbon dioxide per year. WWF Sweden

4 AI REVOLUTIONIZES 3 AI REVOLUTIONIZES...TRENDS IN THE INDUSTRY SPEAK TO GREATER THAN S ADVANTAGE Banks have undergone their revolution through Fintech, now it is time for Insurtech to take place and revolutionize the insurance industry with technology. Today, half of the world s insurance companies are planning to collaborate with IT companies like Greater Than to meet future customer demand for digital insurance. Over 90% * of global insurance companies believe that the advantage of Insurtech is to better meet customer expectations and to create new business models that provide greater value to the customer. Today, the most important technologies of global insurance companies are advanced data analysis, connected gadgets (IoT) and artificial intelligence. These are technology areas where Greater Than is the leader in its field. We think CREATIVELY Artificial Intelligence is the solution of the future for meeting future customer requirements for individual policies based on actual use. Over 35% of global insurance companies already invest in AI and over 45% plan to invest in the technology within the next 3 years *. Advanced data analysis is the most important factor and the technology that 9 out of 10 insurance companies already invest in. 0% plan to never invest in advanced data analysis *. 9 out of 10 insurance companies *... see that customer involvement increases through connected devices (Internet of Things), and almost half of insurance companies already have investment strategies for that type of technology. * Capgemini, World Insurance Report 2017 Greater Than has a complete technology platform for an AI-based car insurance that can be implemented in the insurance company s business operations within a week.

5 POSITIVE DEVELOPMENT 4 POSITIVE DEVELOPMENT...GOOD NUMBERS POINTING UPWARDS Greater Than has over 300 million reference profiles, which together have driven over five billion kilometers in more than 23 countries and over 200 different car types. As more users drive with Enerfy, more data is collected and the numbers are constantly increasing, making Enerfy a more accurate tool for every passing day. Since the launch in Sweden, in March 2017, of the car insurance Enerfy - Insurance with Moderna, Greater Than has gotten insurance companies around the world interested. Greater Than has launched additional car insurances, all of which are based on the proprietary Enerfy technology platform. Following the launch in Sweden, Greater Than entered four countries and covered the majority of the Nordic countries in less than 10 months. We think CREATIVELY In one year, the team has almost doubled from 10 employees to close to 20. Sales of Greater Than insurance products have increased by 10 percent since the launch of the first insurance in Sweden, Enerfy - Försäkring med Moderna. STRONG PARTNERSHIP AND ICONIC BUSINESS OPPORTUNITIES

6 OUR COLLABORATIONS 5 OUR COLLABORATIONS... WITH STRONG PARTNERS Greater Than has the technology to design, create and implement a digital AIbased auto insurance for insurance companies within one week, ready for use. With Enerfy s technology platform, no integration needs to be done with the company s IT system. A ready-made app can be offered as a turnkey White Label solution or as a more personalized solution with the company s own requests for services and design. Some of Greater Than s Collaborations: We think CREATIVELY

7 WELL POSITIONED 6 WELL POSITIONED...FOR INCREASED GROWTH The insurance industry is in dire need of digitizing to meet customer demands and increased competition from new players with modern technology. Greater Than has positioned itself as a partner to insurance companies: a knight in shining armour that digitizes and reduces injury rates by 40 percent. With the Greater Thans Plug and Play solution, the company s customers can focus on their core business, which is to sell and gain market share, instead of dealing with new technologies that are beyond their scope. 2O 14 52K PEOPLE ON THE TEAM 14 YEARS OF EXPERIENCE 52K EARTH ROTATIONS OF DIVING DATA Robust Company Dedicated & Commited Team Sprung from entrepreneurial spirit and hard work Listed on Nasdaq First North Experienced Board with great industry expertise & clear goals New thinking and creative Strong company management with many years of experience in each area Positive attitude to the company s future challenges to industry standards The Market is Ready Strong Technology Platform 9 out of 10 insurance companies are forced to digitize with AI, IoT and advanced data analysis Policyholders want individual solutions with non-binding contracts Half of all insurance companies plan to collaborate with IT players to address future customer demands with digitalization and Insurtech Technology developed since 2004 with Artificial Intelligence, Big Data & Deep Machine Learning Based on actual user data (over 5 billion driven kilometers) Can determine real-time driver risk and has created an individual car insurance based on how far the car is driven and how the driver drives Complete ecosystem to own, use and handle the car

8 CONTACT 7 CONTACT Liselott Johansson, CEO Liselott.johansson@greaterthan.eu Sten Forseke, Founder & Senior Business Developer Sten.forseke@greaterthan.eu info@greaterthan.eu Greater Than AB GreaterThan_AB Offices Karlavägen Stockholm Sweden Avenue Du Port 86C BTE Brussels Belgium 470 Ramona St Palo Alto, CA United States 100 Montgomery St, Suite 1780 San Francisco CA United States 5 Upper Montagu Street W1H 2AG London United Kingdom