Optimal DAO is a decentralised ecosystem designed to support the development of industry-specific Optimal DApps, enabling the systematic resolution of the Principal-Agent problem. This problem affects all contracts between providers and recipients of products within the economy, including goods, services and liabilities such as risk or debt. It arises from information asymmetry and misalignment of incentives on the part of the provider, who may exploit their information advantage over the recipient of the product. These Optimal DApps, powered by our breakthrough Optimal Smart Contract technology, are pioneering the integration of AI and blockchain technologies applied to contract theory. Our mission is to ensure transparency, trust and fairness in contracts across all industries for our members.ⓘ Optimal DAO was founded in January 2024

➜ Building Optimal DAO:✓ Ensuring transparency, trust and fairness across all industries✓ Providing industry-specific Optimal DApps, powered by our groundbreaking Optimal Smart Contract technology✓ Reinventing exchange of value with AI and blockchain technology applied to contract theory➜ Providing actuarial services:✓ Optimal Contract Design & Pricing✓ Reserving✓ Asset Management✓ Capital modelling✓ Fraud detectionⓘ Optimal Contracts Ltd was founded in April 2022 in Zug, Switzerland, in the heart of the famous crypto valley to achieve Pareto optimality in all exchanges of value across all industries with AI and Blockchain technologies applied to Contract Theory. See the featured litepaper above to find out more! 🚀 Optimal DAO 🚀 Litepaper v0.1 🚀

➜ Took on the technical responsibility in Reserving for all business units of the CSS Group:✓ Health, Property & Casualty insurance✓ Total reserves valued at CHF 3 billion (31/12/2021)➜ Piloted the modelling & valuation of the technical provisions (quarterly projections & Financial Statements):✓ Loss reserves✓ Ageing reserves✓ Fluctuation reserves ➜ Pioneered new approaches in actuarial reserving modelling ✓ Creation of new innovative models for ultimate loss projection✓ Reduction of the Claims Development Result (CDR) by more than 90% (from 2017 to 2021)➜ Involved in the Pricing team (product development & premium adjustment), in particular by supplying essential input variables from Reserving: ✓ Age-specific financing of ageing reserves✓ Ultimate loss projections✓ Run-off ratio on the accounting date✓ Exogenous inflation and creditability factors➜ Involved in the Quantitative Risk Management Team: ✓ Development and implementation of a tool for the valuation of lifetime liabilities within the Swiss Solvency Test (SST) framework in accordance with the requirements of the supervisory authority (FINMA)✓ Creation of new fluctuation reserve models based on the risk appetite of the CSS Group➜ Assumed a leadership role in Reserving:✓ Mentoring a junior ✓ Ensuring know-how transfer➜ Optimised the reserving process: ✓ Comparison & reporting on a regular basis the backtesting results of the different relevant versions of the models developed over time✓ Automating the compilation of key figures relating to actuarial reserves to support the decision-making of financial management✓ Creation of sensitivity & simulation tools✓ Establishing quarterly Reserving sign-off meetings & regular workshops with the CFO✓ Creation, support and further development of the Reserving R packages✓ Support for the adjustment of business plans with regard with Reservingⓘ CSS is the market leader in health insurance in Switzerland (Premium volume of CHF 7 billion, 2022)

➜ Conducted technical risk analysis of treaty reinsurance offers (especially Cyber & Motor treaties in France, Belgium and Luxembourg): ✓ Underwriting process according to corporate guidelines✓ Wording✓ Pricing➜ Developed innovative solutions, in particular in respect of Cyber Risks:✓ White label cyber insurance product for our cedents✓ Collaboration with experts in Munich and MR Paris➜ Contributed in various tasks:✓ Supporting Client Management in client relations and negotiations with cedants and brokers✓ Performing result and portfolio analyses, e.g. as a basis for developing line-of-business and product strategies✓ Careful maintenance of Pricing and SAP FS-RI systems✓ Assistance with planning and internal reporting✓ Assuming special tasks, e.g. participating in departmental and cross- departmental projects for business generation and underwriting qualityⓘ Munich Re is the world's largest reinsurance group (Equity capital of EUR 21 billion, 2022)

➜ Consolidated databases following the merger of the management centres ➜ Automated actuarial analyses (health insurance & occupational benefits)ⓘ APRIL Entreprise is the subsidiary specialising in group social protection of APRIL Group, the leading wholesale insurance broker in France (Network of 15,000 partner brokers)

➜ Performed valuations of Defined Benefit Obligations (DBO) @Mercer Retirement➜ Wrote a Master's thesis @Mercer Health & Benefits:✓ "Elasticity of Health Expenditure According to Coverage Level"ⓘ Mercer is a subsidiary of Marsh McLennan (NYSE: MMC), the world’s leading professional services firm in the areas of risk, strategy and people (annual revenue of over USD 20 billion)

➜ Held an advisory role to the Region the Human Resources Department: ✓ Optimisation of the social protection system (health / occupational benefits)✓ The mission took place in the context of the change in the legal framework for employer participation in local authorities✓ Delivery of a study on improving the contractual situation (health insurance and occupational benefits insurance)ⓘ Region Auvergne-Rhône-Alpes is a large French regional administration with 9,000 territorial officials (6,900 in the schools and 2,100 in the administrative services, 2023)

➜ Priced a new non-life product➜ Collaborated with the accounting functionⓘ CREASSUR is a non-life insurance broker strongly anchored in the Normandy region

➜ Supported the research team of the Research Data Centre of the German Federal Pension Insurance (FDZ-RV)✓ Training in statistical analysis on databases (SPSS, STATA)✓ German-French translations to promote the activities of the Research Data Centreⓘ German Federal Pension Insurance is the largest institution of the German pension insurance (23 million insured persons, 10 million pensioners)