Introducing the Vehicle IQ Score_ Your Automotive Risk Management Solution

1. Introducing the Vehicle IQ Score: Your Automotive Risk Management Solution What is the Vehicle IQ Score? It’s our proprietary and patent-pending technology that helps insurance companies manage their risk by offering safer drivers discounts on their auto insurance policies. The Vehicle IQ Score analyzes driving habits through a small device installed in your car’s On Board Diagnostics (OBD) port and gives you an overall score as well as scores in several categories, including braking habits, collision avoidance and acceleration control. You can improve your score by driving more carefully, because we automatically track your Vehicle IQ Score from month to month so you can improve at your own pace! What is Vehicle IQ? Vehicle IQ analyzes vehicle build specifications based on Vehicle Build Specifications which can help reduce automotive risk management. It generates an overall score between 0 and 100, with lower scores indicating higher risk of failure. Vehicle IQ’s score is your best indicator of how many vehicles built to those specific build specifications will fail. If a score drops below 30% then it could mean that over 70% of vehicles built to those specifications will fail. Based on

2. Vehicle Build Specifications, Vehicle IQ tells you what Vehicles are most at risk and why they are at risk. For example, if they were created using thin-gauge steel instead of thicker steel that is stronger and more reliable, then a vehicle would be more prone to rust early in its life cycle leading to expensive repairs or replacement. Safety: Focus on the Three Cs Correctness, Consistency and Completeness. Ensure you review each automobile build specification for correctness before starting a build cycle. This means ensuring there are no typos, or errors in any of your math calculations or component values. Ensuring consistency is equally important. If you can set up clear cut standards around what metrics to measure, how often to check these metrics and what tools to use, then you can consistently track automobiles from build-to-build, ensuring new builds perform similarly to older builds that have demonstrated safety. Finally, make sure you’re collecting all pertinent data during an automobile build so that you have a complete set of information when things do go wrong in production as well as when they go right. Quality: Get Better Visibility With MES Every vehicle, after rolling off an assembly line, receives a set of functional and cosmetic tests to ensure it’s been assembled properly. That data is captured via a Manufacturing Execution System (MES) that’s connected to each car. The MES lets OEMs keep track of both functional and aesthetic test results across vehicles built in a single production run. By adding Vehicle IQ to their current MES setup, automakers can improve visibility into quality control even further by connecting all those previously siloed pieces of data with live sensor readings from their new cars as they hit U.S. streets.

3. Obsolescence: Assess Your Assets, Identify Risks Each car owner is at risk of obsolescence, but you can mitigate that threat by considering it early and implementing an obsolescence-proofing strategy. Once your assets are inventoried and weaknesses identified, your company can develop plans to enhance overall automotive risk management. The first step in any manufacturing business is an inventory of its machinery and equipment, so having a solid asset list is critical to protecting your business interests. By knowing what tools you’ve got on hand and which ones are either obsolete or already in need of replacement, you’ll be able to make smart decisions about where to spend money on new technology and which aspects of your business—like staffing or marketing—need improvement. Security: Go In-Depth Find out how thieves will breach your vehicle, and how to mitigate these risks with a comprehensive risk management solution. Vehicles are stolen for a variety of reasons, but the most popular is that they’re easy to steal. Thieves know that many vehicles lack advanced anti-theft technology or security components, making them easier targets than homes or other vehicles on roads and highways. What's more, many consumers don't take basic precautions like locking their car doors or immobilizing their vehicles when parked in open lots or outside businesses overnight. As a result, vehicle theft remains an ongoing problem in all 50 states—and one that is not likely to be solved any time soon given our increasingly complex transportation ecosystem. Conclusion The VIQ Score can help you better manage risk. It takes into account many factors which influence vehicle performance, or lack thereof. On one hand, it provides a sense of security by accurately predicting future failure based on both known and unknown contributing factors to automobile build specifications.

4. Furthermore, if for any reason your vehicle does fail, you can use our other automotive solutions including accident reconstruction and quality assurance inspections to understand why it happened and ensure your automobile manufacturer is held accountable for their mistakes in vehicle build specifications.