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MAKING DRIVING SAFER, EASIER & LESS EXPENSIVE

16th June 2014

NAVIN GANESHAN VP, PRODUCT

@NGANESHAN

ZUBIE MAKES EVERY CAR A CONNECTED CAR

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GPS

Cellular Connection

Accelerometer Safety •  Track family members •  Monitor teen drivers •  Smart activity alerts

Vehicle Health •  Real-Time Diagnostics •  Repair Insight & Value

Driving Assistance •  Carpools & Trip coordination

•  Merchant Reviews

Offers •  Discounts on services •  Insurance offers (UBI)

DEFINING THE “CONNECTED CAR”

Telematics Driving Safety

Infotainment Mobility

SAFETY

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Real-Time Tracking Proximity Alerts Activity Patterns

Driving Scores Trip Logging Expense Tracking

VEHICLE HEALTH

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Real-time Status Problem Severity

Estimated Repair Costs

OBD Trouble Codes (DTC)

Battery Drain Alerts

P-420 Ignition coil temperature exceeded threshold

Oxygen Sensor malfunction reported

P-201 Catalytic Convertor performance problem

P-007

Major Engine Problems Reported

P201 This fault code indicates that the Oxygen Sensor that monitors the mix of fuel and air may be defective, or that the mix ratio was less than idela for a pre-longed period of time. This problem potentially could result in damage to the fuel-injector. However it can also often be caused by the gas-cap being inadequately tightened.

Plain English Explanation

DRIVING ASSISTANCE & COMMUNITY

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Location-Sharing Create location-sharing groups with friends for short durations

Social Leaderboards Compare, compete and educate other drivers

Traffic, Weather, Speed Limits Car Community Ratings & Reviews Carpool Coordination

Planned/ In Dev…

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FLEET SOLUTION FOR SMB MARKET

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•  Geo-Location and Alerting

•  Health & Efficiency

•  Analyze Trips, Stops & Driving

IT’S BEEN A BUSY YEAR

A BRIEF HISTORY OF ZUBIE

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•  Incubated in BestBuy as a mobile-hotspot product

•  A JV between BestBuy and Open Equity Partners

•  Q1 ‘13 - New team, new focus – connected car

•  Q3 ’13 - Product launch – Consumer

•  Q4 ‘13 - New Investors – BP/Castrol and

Comporium

•  Q1 ‘14 – Product Launch - Zubie Business

•  Q2 ’14 – Major partnerships in automotive,

insurance

•  Q3 ‘14 - First International partnerships

•  Q4 ‘14 - Second Gen Device planned

•  HQ in Sullivans Island, SC •  Presence in MN, DC,

A BRIEF HISTORY OF OBD II

Mandated by Clean Air Act Amendment in 1990

On all new cars made after 1996

Goal of Emissions Enforcement

Comprises Multiple Communication Protocols

�  ISO 9141 – used by European, Asian

�  SAE J1850 VPWM – used by GM

�  SAE J1850 PWM – used by Ford

�  CAN – All post-2008 Vehicles

EVOLUTION OF OBD SOLUTIONS

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Used by mechanic or emissions inspector

Used by DIY Gear-heads

Accessible to everyone

Made possible by… •  The Smartphone and the App experience •  Quantified-Self •  Easy Connectivity – BTLE or Cellular •  Intolerance for any information-gap

PEEKING IN, GEEKING OUT

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Cellular TMobile 2G GPRS

OBD II Interpreter OBD Solutions Firmware

GPS + Accel

Standard �  DTC codes �  Engine On/OFF �  Self-test results �  RPM �  Engine coolant temp �  Pedal position �  Engine Load �  Over 100 others…

Non-standard �  Safety restraints/Airbags �  Odometer �  Fuel Level

�  Location �  Hard Acceleration �  Hard Braking �  Speed �  Geo-fences �  Crashes * �  Bumps �  Towing

+ + =

�  On Board cache �  T-Mobile GPRS/2G �  Other versions in

development

�  4G/LTE in dev

THE REAL DATA OPPORTUNITY

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Collected from the

Device

Augmented in the

Cloud

Produced by

Analytics

•  Speed • Acceleration/G Forces • Engine Codes • RPM • Diagnostic self-check • Battery levels • Cabin Temperature

• Coolant Temperature • Miles driven • VIN

• Brand/Make/Model • Model-specific Codes • Repair insight • Maintenance Schedules • Top repair issues • Recalls • Valuation

• Prior Repair History • Weather • Traffic •  Speed limits

Collected from

User & Usage

•  Social Profile •  Family members • Cars owned • Trips/Activities • Trip profiles • Driving habits/aptitude • Maintenance done

•  Service Interest

• Driving Score & badges • Trip Analytics • Regular Activity, Places • Driving patterns • Offer Propensity • Repair Propensity • Predictive Repair cost

• Pattern-based alerts •  “True” Car Value

DISRUPTING AUTOMOTIVE - CRM/VRM

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�  Remote diagnostic alerts

�  Mileage based marketing

�  Trade-in and trade-ups

�  Warranty & Accessories

�  Better trade-in evaluation

�  Test-drive analytics

THE INSURANCE ANGLE

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�  UBI – Usage Based Insurance

�  PAYD – Pay as you Drive

�  9/10 engaged in trials or deployments

�  Progressive efforts go back 10 years

But….

�  Data use is limited to risk-reduction

�  Hardware (or software) not a core competency

SOME INTERESTING SCENARIOS…

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1.  Real-time bidding for your battery replacement (even before its dead)

2.  Your driving history lives with your car

3.  Predictive maintenance reports based on your driving

4.  “Insurance-by-the-day” or “cross the border” insurance

5.  Your home and your car talking to each other

6.  Warranties tied to driving behavior and vehicle history

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DEEP(ISH) THOUGHTS AND HARSH LESSONS

IoT and the evolution of user engagement

ALERTS EVOLVING INTO “AMBIENT AWARENESS” (USERS ARE ADAPTING TO A CONSTANT FLOW OF INFORMATION)

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Then “Important” events

Designed to interrupt, drive action Unconditional, rule-based

Capacity Limited

Now “Interesting” events Designed to inform

Tailored to context, prior engagement Capacity Unlimited?

RULES ARE DEAD (DON’T RELY ON USERS TO TELL YOU WHAT THEY WANT)

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Learning trumps rule-creation

EVERYTHING IS CONTEXTUAL, ESPECIALLY MONITORING (USE ALL AVAILABLE DATA TO GAUGE CONTEXT AND SELF-ADJUST)

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Remember this scene? (Zubie’s Valet-Monitor feature)

IF EVERYTHING’S A SIGNAL, WHO RUNS THE SWITCHBOARD?

(WHAT ARE THE NEW RULES ENGINES?) 20

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THANK YOU!

@Nganeshan navin@zubiecar.com

Zubie.co

@GoZubie