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Flood Risk Intelligence   The Confianza Flood Risk Intelligence Solution is enabling both individual property and portfolio level Risk Assessment, Quote Prefill Automation and overall Underwriting Optimization .   Our proprietary technology instantly estimates First Floor Height (FFH), thereby integrating individual physical risk into comprehensive flood risk analysis.   Product Attributes:   1.       Latitude / Longitude:  The latitude & longitude of the property as indicated by the center of the image(s) used. 2.       USGS Elevation (in ft):  Ground elevation of the building provided by USGS.  3.       First Floor Height (FFH in Ft.): indicating the elevation of first occupied floor above ground level. 4.       Confidence:  Level of certainty in the FFH measurement 5.       Basement:  Indicates whether the property has a basement (Yes/No). 6.       FFH lowered (in ft):  Potential reduction in FFH due to presence of a basement. 7.       Raised with Enclosure : this element returns a (Yes/No) indicator if there is an enclosed elevation.  Example: Garages, and other aspects of structure that cover the elevating members. 8.       FFH raised ed (in ft):  Potential adjustments to the FFH for a property with enclosed elevating members. 9.       Flood Risk Score:  A category (e.g., Low, Moderate, High) representing the property's flood risk level. The score is based on the proximity to a flood zone and the FFH values as well as annual NFIP claims amounts and counts. 10.  Flood Hazard : Qualitative categorization of the flood hazard (e.g., Low, Moderate, High) which is only based on the intensity and frequency of historic flood events 11.  Annual Flood Freq:  Estimated frequency of flooding events affecting area in the vicinity of the property per year. 12.  NFIP Annual Mean Amount Paid in Zip Code (in $):  Average amount paid out annually in flood insurance claims within the property's ZIP code. 13.  NFIP Mean Claims Count in Zip Code:  Average number of National Flood Insurance Program (NFIP) claims filed annually in the ZIP code. 14.  FEMA Flood Zone:  Official flood risk classification assigned by FEMA (e.g., AE, VE, X). 15.  FEMA BFE (in ft):  FEMA-designated Base Flood Elevation, representing the height to which flood waters are expected to rise during a base flood event.   Instant access / Seamless IT Integration   ·       Data delivery available via API or batch processing   About Confianza ·       The mission of Confianza is to Drive Profitable Growth & faster Targeted Risk Assessment & Selection using our AI / ML Predictive loss analytics and comprehensive information dataset(s).   Confianza’s AI/ML Predictive Loss Analytics and Data Overview:   o   Business Firmographics: o   Highest match & fill rates of NAICS Code & description, Sales, Employees, Year established, Bankruptcy indicators, etc. o   Non-FBI Crime data o   I ncludes all Incidents and at the near block level, outperforming FBI (based on arrest & at zip code) for Loss Signaling & Propensity. o   Non-FRCA Business Owner or Consumer Risk & Behavior: o   Financial strength scores & momentum, o   Credit proxy, Assets, Stability: Own or Rent o   Credit Card Purchase History categories to Validate Operations or Risky Behavior o   Property Risk & Exposure: o   Property Replacement Cost (RCE) to solve the undervaluation problem §  Open, flexible model showing commodity & inflation factors & monitoring. o   Lessor’s Risk Occupancy: §  Identify all businesses, operations & tenants in building o   Proximital Risk: §  Identify  “Risky” businesses identified next to insured address o   Permits: Historical activity to identify building enhancements with related dates o   Vehicle & Driver Risk & Exposure: o   VIN & Registration details o   Driver Violation History o   Solutions: o   Targeted Risk Selection for Faster Assessment & Knockout o   Predict and Prevent for improved Risk Management o   Profitable renewal strategies & Portfolio Optimization o   Premium Leakage / Fraud: Comprehensive, eight (8) factor model including motive

The Confianza Fraud and Premium leakage model is a comprehensive prescriptive model that is designed to IDENTIFY & QUANTIFY ALL FRAUD across multiple product lines of insurance. The model will identify and quantify both “hard fraud” as well as “soft or opportunistic fraud”. Definitions: · The model identifies “hard fraud” which we define as when an entity (individual, agent, or company) purchases a policy for the purpose of securing a payment for a fictitious or staged incident. · The model also identifies and quantifies “soft or opportunistic fraud”. This is defined as when an entity (an individual, agent, or company) misrepresents the characteristics of a policy during the application process to avoid premium or secure payment for an exaggerated event. Eight Factor Summary: 1. Factor 1 - Identity a. Can we positively identify the applicant? b. How consistent has the applicant been in how they have represented themselves historically? 2. Factor 2 - Territory a. Is the primary named insured associated with the address provided? b. Potential to deceive the insurer regarding their territory / location? c. Are there a multitude of unassociated identities associated with the address provided? 3. Factor 3 - Exposures a. Can we identify all of the risks in the form of “exposure risk” associated with the application for insurance? b. Construct household identifying all residents who have access to the property & vehicles on the policy? 4. Factor 4 - Asset Use a. Are the assets being insured being used in a fashion that is commensurate with the type of policy? b. Are the vehicles insured being used for commercial purposes? c. Are there personal assets being insured by the company? 5. Factor 5 - Asset Ownership / Insurable Interest a. Are the assets the property of the applicant or are they associated with a third party(leased)? 6. Factor 6 - Rating Variable Integrity a. Are there discrepancies in the information provided that adversely affects the rating (pricing) of the policy? b. Detailed address including unit designator and unit number for multiunit properties? Driver’s license numbers of the PNI and other identified exposures? c. Driver & Vehicle exposure information associated with the primary named insured. 7. Factor 7 - Asset Condition and other Miscellaneous Factors a. Has the operating condition of the asset been adequately disclosed? Existing damage? Branded title? 8. Factor 8 - Motive a. Is the consumer or business under financial stress? b. What is their current financial strength factor? c. Is there financial condition improving or declining? Instant access / Seamless IT Integration · Data delivery & availability via single address or batch processing API’s About Confianza: · Driving profitable growth with instant 360 views of the Business, Consumers / Principals, Risk & Exposure. Confianza’s AI/ML Predictive Loss Analytics and Data Overview: Business Firmographics: o NAICS Code & description, Sales, Employees, Year established, Bankruptcy indicators, etc. Non-FBI Crime data: o Includes all Incidents and at the near block level, outperforming FBI (based on arrest & at zip code) for Loss Signaling & Propensity. Non-FRCA Business Owner or Consumer Risk & Behavior: o Financial strength scores & momentum, o Credit proxy, Assets, Stability: Own or Rent o Credit Card Purchase History categories to Validate Operations or Risky Behavior Property Risk & Exposure: o Property Replacement Cost (RCE) to solve the undervaluation problem § Open, flexible model showing commodity & inflation factors & monitoring. o Lessor’s Risk Occupancy: Identify all businesses, operations & tenants in building o Proximital “Risky” businesses identified next to insured address o Permits: Historical activity to identify building enhancements with related dates o Flood Data such as: First Floor Height, Flood Risk Score and more o Home Loss Factors & Indicators: Foundation type, Water heater & electrical panel location Vehicle VIN, Registration details & Driver Violation History: o Accurate, registry sourced

SARASOTA, FL – August 11, 2025 – Confianza, Inc., an innovative data and analytics solutions company providing instantaneous, comprehensive information and insights via a powerful API and integration platform, today announced a strategic expansion of its leadership team designed to position the organization for continued success and innovation in the insurance technology sector with ambitious expansion plans for other industries and sectors. Effective Monday, August 11, 2025, Greg Johnson has assumed the role of Chief Executive Officer. Johnson joins an experienced, established team that has laid the foundation for Confianza to date. Former CEO Jeffrey Glazer has been appointed to Executive Chairman and together, Johnson and Glazer will collaborate closely alongside the Executive team to guide the company’s strategic direction, accelerate its growth trajectory. Johnson brings extensive executive leadership experience in scaling technology and analytics organizations and driving value creation. His background includes a rare combination of go-to-market expertise, functional breadth, and operational rigor across all phases of organizational growth. Johnson's career spans several key executive positions with prominent technology and data analytics companies including EMC Corporation, LexisNexis Risk Solutions, Cortera/Moody's, and Array. "Greg Johnson is uniquely equipped to help drive Confianza into its next chapter of growth," said Glazer. “I look forward to supporting Greg and our talented team as we continue to innovate, expand, and create value for our customers, partners, and stakeholders." Johnson's appointment comes at a pivotal time for Confianza as the company continues to gain rapid traction in the insurance technology market and has expanded into additional industries, distribution, and system integration partners.  The leadership expansion underscores Confianza's commitment to building upon its strong foundation while embracing new opportunities in the marketplace. Johnson’s near-term focus will include adding AI capabilities into the platform, in addition to team expansion, new product development, and go-to-market strategy.   The company's focus on providing transparent, comprehensive data solutions positions it well to capitalize on increasing industry demand for accurate risk assessment, customer insights, and novel synthetic information never before available. "Traditional risk factors and historical methods are no longer sufficient to assess accurate property valuations, insurance risk assessments, evolving hazard exposures, or complex customer insights," noted the company's leadership team. Confianza's technology addresses these challenges through advanced analytics, machine learning approaches, groundbreaking AI methods, and comprehensive data integration.

Confianza is offering a Unique and Powerful Crime data set that is significantly outperforming FBI Crime for Loss Propensity when measured against Actual Policy Loss Activity. Three Data sets: 1) National Incident-Based Reporting System  ( NIBRS ) in combination with the 2) Inter-University Consortium for Political and Social Research (ICPSR)   is an incident-based reporting system used by local, state & federal law enforcement agencies in the United States for collecting and reporting data on crimes, 3) 911 Blotter , to complete the full picture of crime activity.   Confianza Crime Advantages over FBI Crime ·       Confianza Crime data goes much deeper because of its ability to provide circumstances and context for crimes like location, time of day, and whether the incident was cleared. ·       Data is collected on every incident (not just arrests) including information on victims, known offenders, relationships between victims and offenders, arrestees, and property involved in crimes.  Note that FBI Crime has lost predictability due to limited/selective incident reporting and collection methods. ·       Confianza Crime measures down to the Zip + 9 (near block level) Geographic granularity improvements versus FBI Crime, which is at the zip code level.   Confianza Crime is naturally weighted, showing complete picture “Very high” levels    FBI Crime, with selected incident reporting, showing “Average” Levels       Product Attributes: Quintile Range: 1-5 / Raw Scores: 1-200 Total Crime Score Index                 Murder Rape Assault Burglary Larceny Motor Vehicle Theft Gang Violence Cyber: Includes Identity Theft, Hacking, Computer Invasion ·       Required: POC data set to include Actual Loss Activity – both Frequency and severity   Delivery & Availability   ·        High performance, modern API’s ·        Batch process via secure ftp (preferred for one-time Modeling / Portfolio Analysis)   About Confianza: ·       Driving profitable growth with instant 360 views of the Business, Principal, Risk & Exposure.   Confianza’s AI/ML Predictive Loss Analytics and Data Overview: o   Business Firmographics: o   Highest match & fill rates of NAICS Code, Sales (Gross & Net), Year established, Bankruptcy indicators, sourced from Secretary of State, IRS Records and URL / Website key words. o   Crime data: o   I ncludes all Incidents and at the near block level, outperforming FBI for Loss signaling propensity sourced from NIBRS, ICPSR & 911 Blotter o   Non-FRCA Principal / Business Owner Risk & Behavior: o   Non-FCRA Financial strength, Credit proxy & Personal Assets data sourced from Bank & Credit Card Purchase history. Supplemental to NAICS Code to validate business Operations based on material and purchase categories. o   Property Risk & Exposure: o   Property Replacement Cost (RCE) to solve the undervaluation problem o   Lessor’s Risk Occupancy and Proximital “Risky” businesses o   Vehicle Vin, Registration & Driver Violation History o   DPPA regulated, thus requiring permissible purpose to access data o   Solutions: o   Premium Leakage / Fraud Model / Portfolio Optimization o   Targeted Risk Selection / Faster Assessment & Knockout

Confianza offers Unique and highly predictive data that exhibits strong loss correlation as well as Engagement / Opportunity triggers for candidates who align with current risk appetite & profiles.   Confianza Advantages: ·      Information Source Categories : Non-FCRA, Consent Compliant, Consumer interests and Buying patterns ·      Applications:  Targeted Lead Gen & Scoring, Submission knock out, Up-sell / Cross-Sell Indicators and Triggers   Financial Strength and Engagement Triggers Premium Leakage & Fraud Indicators Data Input Options: o   Preferred: Name, Address, DOB of business Owner/Principal/Consumer §  This will yield the best match rates with the highest confidence levels o   Minimum required: Business name & Address o   POC data set to include Frequency and severity at the record level   Delivery & Availability:   ·         REST API Transactions ·         Batch process via secure ftp (preferred for one-time Modeling / Portfolio Analysis) ·         Nationwide availability   Costs:   ·         POC / Batch discounted pricing for one-time Modeling /Portfolio Analysis ·         Monthly Subscription fees based on volume tier transaction Pricing   About Confianza: ·         Driving profitable growth with instant 360 views of the Business, Principal, Risk & Exposure.   Data: ·         Our Comprehensive & unique datasets are comprised of over 30 data types from more than 70 sources, fully integrated into a single database, containing  five (5) core entities: 1.       Adults/Business Principals (360M-including purchase history & Financial strength) 2.       All Businesses (74M-including NAICS, Sales, EE’s, Year started) 3.       Household Demographics(includes Drivers, Vehicles and income levels) 4.       All Vehicles with VIN / registration details (282M) 5.       All Properties (199M) + characteristics, fire protection, Weather Perils. 6.       Other Property data: Lessor’s Risk Occupancy, Crime (outperforming FBI)   AI/Machine Learning Predictive Analytic Modules / Solutions ·         Targeted Risk Selection: 360 Risk & Exposure Profile with Loss Propensities ·         Fraud & Premium Leakage: Highly Predictive Variables & indicators.  ·         Profitable renewal Strategy

Cytora and Confianza Partner to Bring Smarter Business Intelligence to Insurers Data intelligence covering 75 million businesses and their principals will enable insurers to accelerate underwriting decisions and improve risk assessment Cytora, the leading digital risk processing platform, and Confianza, a cutting-edge insurtech that is fast-tracking targeted risk selection and loss ratio improvements, today announced a strategic partnership designed to enhance commercial insurance workflows and improve underwriting efficiency. This collaboration will integrate Confianza’s advanced data intelligence capabilities into Cytora’s risk digitization platform, enabling insurers to make faster, more informed underwriting decisions on business risk. Confianza’s proprietary data solutions will enable insurers to digitize and augment risk submissions with detailed insights on businesses as well as the business principal and consumer, including key information such as  business verification, compliance insights, financial health indicators, and fraud detection. Confianza’s comprehensive database of America spans more than 75 million businesses, 330 million adults/principals, 190 million properties and vehicle VIN & registration details.  Additional unique data layers & predictive modules include crime (at the zip+4 level), business & consumer credit, replacement cost estimator, lessor's risk occupancy, premium leakage and fraud among others. By leveraging Cytora’s AI-driven risk processing and Confianza’s rich information sources, underwriters will benefit from automated risk enrichment, reduced manual workload, and improved decision-making accuracy. Insurers using this integrated solution will be able to optimize their workflows, minimize underwriting delays, and increase profitability through more precise risk selection. The tie up This new relationship with Confianza is the latest integration partnership Cytora has agreed as the insurtech seeks to build one of the world’s most comprehensive data ecosystems for insurers. It also follows a period of significant growth for Cytora including agreeing to a major collaboration with Chubb, and the launch of the latest version of its platform earlier this month, which leverages agentic AI to bring a new level of performance and explainability to risk assessment and underwriting processes. Juan de Castro, COO at Cytora, said: “With the increasing complexity of risk assessment, insurers need cutting-edge solutions to stay ahead.The key to effective underwriting today is access to real-time, enriched data. Our collaboration with Confianza ensures that insurers have the information they need at their fingertips to drive smarter risk selection. This partnership will equip insurers with a powerful combination of AI-driven risk processing and robust data intelligence, allowing them to make smarter, faster decisions while ensuring their portfolios remain resilient and profitable.” John Petricelli, Chief Data Officer at Confianza, added: “This partnership is a game-changer for insurers looking to optimize their risk evaluation strategies. With Cytora, we are delivering a seamless data-driven underwriting experience, where insurers will gain deeper insights into risks, enabling them to underwrite with greater confidence and speed. We look forward to driving meaningful innovation in the insurance industry together.”   About Cytora Cytora is a configurable platform that enables commercial insurers to process risks with greater efficiency and accuracy. Cytora digitizes every incoming risk, enriches them with additional data, and routes them for automated or manual underwriting, enabling insurers to focus on portfolio-enhancing risks. www.cytora.com/

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