investor deck - jibehealth.com

Proven Machine | Battle Tested Team | Profitable Traction

Get Matchedwith the right health plan

1

Consumers choose the wrong Health Plan up to 88% of the time.

Consumers choose the wrong Health Plan up to

88% of the time.

Problem

2

Consumers choose the wrong Health Plan up to 88% of the time.

1. Consumers unable to make clear decision based on their needs.

2. The Average Consumer stands to loose up to half a year salary for a family of four

3. Costing Tax Payers $9 Billion a Year for consumer errors

4. Lower Member Retention

Pain

3

Tax Penalties

• The Tax penalties for individuals without health coverage increases substantially in 2014 and rises again in 2015.

50 Million Uninsured

• As a result we expect that a large number of the current uninsured population of 50 million will enter the individual health insurance market. Accordingly, after 2014,

Small Business

• Department of labor statistic identify that 90% of American small business have less than 50 employees

Employers Dropping Coverage

• The McKinsey survey estimates that approximately 30% of employers would “definitely” or “probably” drop employer-sponsored insurance starting in 2014.

• Employers dropping group coverage and an additional 45 million uninsured Americans entering the individual insurance market

Up to 80% of consumers pick wrong plan

• Consumers have a lower quality of care

• Pay more out of pocket

• Lower persistency of enforce policies

Continued Pain

4

2M in Revenue in 2014

426K in Net

Income 2014

100,000 Customers

Assisted

Proven Marketing Campaigns

Licensed in 24

States

Client Retention

and Customer

Service

Upsell and

Parallel Product

Offerings

Product Offering (Health,

Life, Dental, Critical,

Accident)

February 2013

• Bootstrapped with 300K by Founders

• Delivered 14,000 policies

September 2013

• 100% Internal Client Acquisition from in house marketing campaigns

September 2014

• Awarded CMS HHS contract to offer “Obamacare” plans in all states

December 2014

• Integrated Web Broker Entity and Qualified Health Plan and Real Time Federal Facilitated Marketplace data directly into JibeHealh.com

May 2015

• Completed CMS/HHS data hub integration and in beta.

Traction

5

We use advanced analytics to match you with a Health Plan based on your

individual needs and help you get the money to pay for it!

Solution

6

Save Match Buy

Seamless Process

7

Client Acquisition occurs from the Web through our JibeHealth.com platform or

over the phone via a licensed Agent.

Our platform matches the right Health and Medical Insurance products based on loves

and needs of consumers.

Backend Client Retention and Customer care follows life cycle of customer and

policy to maximize retention of members.

Marketing of new product offerings and ancillary products to existing members.

Click or Call

Match the Right Product

Client Retention and Customer Care

New Product Offerings

Client Gestation

8

37 Million 15 Million

53M

JibeHealth Playground

37M without Health Insurance and a addition 15.7M currently in the Health Exchange Market Place

Market Overview

9

10

Competitive Matrix

Marketing Overview

11

Cost per Acquisition

$150

Retention 70%

Customers with

Multiple Products

67%

Average Monthly Revenue

per Medical $47.69

Average Monthly Ancillary Revenue $26.00

Key Performance Metrics

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0

2000

4000

6000

8000

10000

12000

14000

16000FL TX GA IL CA

PA

VA

NC

OH

MD

TN LA AL

MO NY

AZ IN MS

WA KY

SC CO WI

AR

MN MI

NJ

KS

CT

UT

OK

OR

MA

NV IA NE

DC RI

WV

NH ID

NM DE

MT

ME

ND SD WY

ON HI

AK

JibeHealth Enrollment Targets by State 2015-2019

2015 2016 2017 2018 2019

Enrollment Targets – Enrollees

Year New Enrollees

2015 24K

2016 38K

2017 57K

2018 76K

2019 105K

13

0.00%

2.00%

4.00%

6.00%

8.00%

10.00%

12.00%

14.00%

16.00%

18.00%

20.00%

FL TX GA IL CA PA VA NC OH MD TN LA AL MO NY AZ IN MS WA KY SC CO

Axi

s Ti

tle

JibeHealth Generated Calls Compared to CMS Generated Calls by State

Comparison of Healthcare.gov Enrollment to Calls Generated in our Target Markets2013-2014

Percentage of Calls by State: JibeHealth Percentage of Enrolled by HHS/Healthcare.gov by State 14

$(50,000,000.00)

$-

$50,000,000.00

$100,000,000.00

$150,000,000.00

$200,000,000.00

$250,000,000.00

$300,000,000.00

2015 2016 2017 2018 2019

Axi

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tle

Axis Title

Cash Flow Projections

Total Revenue Total Client Aquisiton Costs Net Income Cash Linear (Total Revenue) 2 per. Mov. Avg. (Net Income)15

ACA Avg Premium 429.00$

Commission Rate 11%

CPA 150.00$

Average Monthly Major Medical Commission47.19$

Average Montly Ancilllary Commisson 26.00$

% of Policies with Anc 67%

Persistency 70%

Projected Sales JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC YEAR

Net New Clients 100 200 200 200 1000 5000 7500 10000 24200

Clients Accrued JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC Total

Total Accrued Clients 275 475 675 875 1875 6875 14375 25425

Cash Balance 0 0 (4,669.40)$ (8,462.00)$ (38,377.80)$ (216,416.80)$ (1,015,071.80)$ (2,051,806.80)$ (3,094,161.80)$ (3,094,161.80)$

Total Revenue -$ -$ 16,330.60$ 28,207.40$ 40,084.20$ 51,961.00$ 111,345.00$ 408,265.00$ 853,645.00$ 1,509,838.20$

Total Marketing Spend -$ 1,000.00$ 2,000.00$ 30,000.00$ 150,000.00$ 750,000.00$ 1,125,000.00$ 1,500,000.00$ 3,558,000.00$

Operating Expenses 0 0 20,000.00$ 30,000.00$ 40,000.00$ 80,000.00$ 160,000.00$ 320,000.00$ 396,000.00$ 1,046,000.00$

Net Income -$ -$ (4,669.40)$ (3,792.60)$ (29,915.80)$ (178,039.00)$ (798,655.00)$ (1,036,735.00)$ (1,042,355.00)$ (3,094,161.80)$


Net New Clients 5000 1000 500 500 400 350 350 500 2000 7500 9000 18000 38100


Total Accrued Clients 25425 30425 31425 31925 32425 32825 33175 33525 34025 36025 43525 52525 70525

Cash Balance (2,730,323.60)$ (1,742,065.93)$ (641,396.35)$ 477,979.20$ 1,631,060.70$ 2,806,606.98$ 3,995,247.42$ 5,174,482.04$ 6,147,422.62$ 6,370,187.04$ 6,648,540.86$ 5,913,601.95$ 5,913,601.95$

Total Revenue 1,509,838.20$ 1,806,758.20$ 1,866,142.20$ 1,895,834.20$ 1,925,526.20$ 1,949,279.80$ 1,970,064.20$ 1,990,848.60$ 2,020,540.60$ 2,139,308.60$ 2,584,688.60$ 3,119,144.60$ 24,777,974.00$

Total Marketing Spend 750,000.00$ 150,000.00$ 75,000.00$ 75,000.00$ 60,000.00$ 52,500.00$ 52,500.00$ 75,000.00$ 300,000.00$ 1,125,000.00$ 1,350,000.00$ 2,700,000.00$ 6,765,000.00$

Operating Expenses 396,000.00$ 668,500.53$ 690,472.61$ 701,458.65$ 712,444.69$ 721,233.53$ 728,923.75$ 736,613.98$ 747,600.02$ 791,544.18$ 956,334.78$ 1,154,083.50$ 9,005,210.25$

Net Income 363,838.20$ 988,257.67$ 1,100,669.59$ 1,119,375.55$ 1,153,081.51$ 1,175,546.27$ 1,188,640.45$ 1,179,234.62$ 972,940.58$ 222,764.42$ 278,353.82$ (734,938.90)$ 9,007,763.75$


Net New Clients 6000 1000 1000 1000 1000 1000 1000 1000 3000 10000 16000 24000 57000



Cash Balance 26,516,449.66$ 29,229,396.84$ 31,979,755.93$ 34,767,526.95$ 37,592,709.89$ 40,455,304.75$ 43,355,311.53$ 46,292,730.22$ 49,242,556.88$ 50,979,623.26$ 52,190,808.84$ 52,800,585.14$ 52,800,585.14$

Total Revenue 4,188,056.60$ 4,544,360.60$ 4,603,744.60$ 4,663,128.60$ 4,722,512.60$ 4,781,896.60$ 4,841,280.60$ 4,900,664.60$ 5,396,550.25$ 5,138,200.60$ 5,732,040.60$ 6,682,184.60$ 60,194,620.85$


Operating Expenses 1,549,580.94$ 1,681,413.42$ 1,703,385.50$ 1,725,357.58$ 1,747,329.66$ 1,769,301.74$ 1,791,273.82$ 1,813,245.90$ 1,996,723.59$ 1,901,134.22$ 2,120,855.02$ 2,472,408.30$ 22,272,009.71$

Net Income 1,738,475.66$ 2,712,947.18$ 2,750,359.10$ 2,787,771.02$ 2,825,182.94$ 2,862,594.86$ 2,900,006.78$ 2,937,418.70$ 2,949,826.66$ 1,737,066.38$ 1,211,185.58$ 609,776.30$ 28,022,611.14$

Revenue Projections FY2018


JibeHealth Revenue Model

Residual Revenue Projections FY2015




Net New Clients 1000 1000 1000 1000 1000 1000 1000 1000 4000 16000 22500 30000 76500

Clients Accrued JAN FEB calc APR MAY JUN JUL AUG SEP OCT NOV DEC Total


Cash Balance 57,758,247.51$ 62,753,321.81$ 67,785,808.03$ 72,855,706.17$ 77,955,334.01$ 83,100,055.98$ 88,282,189.88$ 93,501,735.70$ 98,308,693.44$ 101,465,298.86$ 104,245,494.99$ 106,742,459.33$ 106,742,459.33$

Total Revenue 8,107,400.60$ 8,166,784.60$ 8,226,168.60$ 8,285,552.60$ 8,332,742.60$ 8,404,320.60$ 8,463,704.60$ 8,523,088.60$ 8,582,472.60$ 8,820,008.60$ 9,770,152.60$ 11,106,292.60$ 104,788,689.20$



Net Income 4,957,662.38$ 4,995,074.30$ 5,032,486.22$ 5,069,898.14$ 5,099,627.84$ 5,144,721.98$ 5,182,133.90$ 5,219,545.82$ 4,806,957.74$ 3,156,605.42$ 2,780,196.14$ 2,496,964.34$ 53,941,874.20$


Net New Clients 1000 1000 1000 1000 1000 1000 1000 1000 1000 24000 31000 45000 105000



Cash Balance 106,742,459.33$ 115,467,014.34$ 123,511,160.12$ 131,592,717.82$ 139,711,687.43$ 147,868,068.97$ 156,061,862.43$ 164,293,067.81$ 172,561,685.11$ 177,417,714.32$ 182,121,629.62$ 185,885,314.44$ 185,885,314.44$

Total Revenue 14,021,985.25$ 14,086,595.25$ 13,006,580.60$ 13,065,964.60$ 13,125,348.60$ 13,184,732.60$ 13,244,116.60$ 13,303,500.60$ 13,362,884.60$ 13,422,268.60$ 14,847,484.60$ 16,688,388.60$ 165,359,850.50$



Net Income 8,683,850.71$ 8,724,555.01$ 8,044,145.78$ 8,081,557.70$ 8,118,969.62$ 8,156,381.54$ 8,193,793.46$ 8,231,205.38$ 8,268,617.30$ 4,856,029.22$ 4,703,915.30$ 3,763,684.82$ 87,826,705.82$


Peter Colon – Co Founder

Chief Executive Officer

Peter leads the entire organization bringing with him a strong skill set of leadership acquired early on in the United States Navy & Marine Corp acquiring the Achievement Medal and Battle Efficiency Medals. Peter took his leadership abilities an applied them to the world of Finance and Insurance with tenures at AXA equitable, Mass mutual and BeamaLife. Peter’s insider’s knowledge of the insurance world combined with his vision of impactful technological applications within these old school markets makes for execution that packs a punch. Peter has received inspiration and personal mentorship from some of Americas most talented CEO’s including George Feldenkrais – Perry Ellis CEO, Manny Medina – Terremark Corporation. Peter holds licenses in 45 States and is CMS/HHS Certified. Peter is often called as a key note speaker for the various charities he is involved in “We Do Art” Miami based nonprofit “Food for Life Network” Miami Based food bank for families with HIV. Peter is Married with three children and lives in Miami Florida

George Theodore – Co Founder

Chief Operating Officer

George Theodore is a seasoned serial entrepreneur with well over twenty years’ experience in capital markets, sales, marketing and public relations. Mr. Theodore is a gifted communicator well skilled in identifying emerging market trends and understanding the multiplicity of consumer phycology. Georges experience has empowered him with a diverse breadth of knowledge and success across multiple industries and markets. Mr. Theodore is responsible for the company’s go to market strategy and leads in the development and execution of the company’s global vision. George was born with terminal optimism and suffers from a severe positive mental attitude. Mr. Theodore has been published and featured in several media publications including, Marketing Magazine, Ad Age, The Wall Street Reporter.com, Report on Business. George is an avid collector of vintage mobile devices, Mr. Theodore has a daughter and resides in Palm Beach Florida.

Shane McIntyre – Co Founder

Chief Technology Officer

Shane is a native Floridian who earned his Bachelor’s Degree in Computer Science at Florida Atlantic University. Certified in Microsoft , ITIL, PMI Shane comes packing with over 20 Years of experience leading Information technology across a variety of verticals Shane has managed large enterprise companies and technology startups. Shane started his career out at PBS&J now Akins Engineering. Having lead successful technology startups Shane understands the intimate relationship between technology and marketing. Shane has the unique ability to align technology around the strategic goals and vision of the company while executing with precision. Shane’s core belief is that technology must provide value both in generating revenue and provide efficiency across all channels and service lines. Shane makes an exceptional Tech- Hoagie wrapping good processes, with great people and superb products to deliver exceptional value and leadership for the firm, stakeholders, and investors

17

Team

Jib

e

[email protected]@jibehealth.com

1-877-708-5423 x37740 SE 5th Street

Suite 600Boca Raton FL 33432

JibeHealth.com

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mailto:[email protected]

mailto:[email protected]