soteria global (latam+se asia) investor presentation v2.1 bundling+dl

Soteria INTERNATIONAL

Investor Presentation 2016


2

This presentation is for information purposes only and does not constitute or form part of, and should not be construed as, a prospectus, offering circular or offering memorandum or an offer, or a solicitation of any offer, to purchase or sell, any shares in any jurisdiction and should not be considered as a recommendation to subscribe for or purchase any of the Company's shares nor shall it or any part of it form the basis of or be relied upon in connection with any contract, commitment or investment decision.

This presentation is not an offer for sale of or a solicitation of an offer to buy securities in the United States or in any other jurisdiction. Securities may not be offered or sold in the United States absent registration or an exemption from registration under the U.S. Securities Act of 1933, as amended (the “Securities Act”). Any public offering of securities to be made in the United States will be made by means of a prospectus that may be obtained from the issuer. The Company does not intend to register its securities referred to herein under the Securities Act or conduct a public offering of securities in the United States.

Disclaimer


Global Roadmap : LATAM

&Southeast Asia


Soteria will aggressively enter the LATAM market in Q1 and Q2 2016 with a blended market entry strategy consisting of the acquisition of traditional brokers combined with next generation technology - big data, predictive marketing and geofencing driving direct sales.

Three acquisitions have been agreed to in Brazil and Argentina and additional acquisitions will be made in Mexico, Colombia and Peru.

Soteria to expand product portfolio to include innovative products suitable for the ‘New Consumer’ in addition to the brokers traditional products and customer base

Target Markets - LATAM


Acquisitions

– 3 acquisitions : 2 in Brazil and 1 in Argentina– $60M in policies under management– $15M revenue (FY 2015)– $4M EBITDA and CAGR 25% (FY 2015)– Cost of acquisitons = approx. 1 x Revenue

Drive Growth

– Implement an advanced technology platform– Develop a fluid and multi-regional technology platform– Drive expansion of policies and customers– Begin outreach to the ‘New Consumer’

Drive Company Value

– Accelerated growth, brand, ubiquitous multiregional technology platform– With the current $30M investment, Soteria will reach $360M to $700M valuation by

December 2016

Strategy


3 months• Finalize acquisitons (SPA) in Brazil and Argentina• Identify Target brokers in Peru ($ 10M in

revenues=cost 30% EBITDA ) and Colombia ($ 10M, 30% EBITDA)

6 months• Close deal with brokers in Peru and Colombia • Identify Target brokers in Mexico ($ 20M, 30%

EBITDA)

9 months• Close deal with brokers in Mexico • Presence in 5 countries across Latin America

Acquisition Roadmap - LATAM


Soteria will enter the SE Asia market under the InsuranceBuddha brand, in Q3 2016 using the same strategy of the acquisition of traditional brokers.At this time, the learning coming from LATAM experience will allow Artificial Intelligence to give a much better understanding on how to use big data, predictive marketing and geofencing driving direct sales.

Five acquisitions will take place in Thailand, Vietnam, Phillipines, Malaysia and Indonesia, with a total of 550 Million New Consumers and a GDP of U$ 2.2 Billion.

InsuranceBuddha will use best practices and lessons learned from LATAM operations to optimize operations in SE Asia.

Target Markets – SE Asia

INSURANCEBUDDHA


Target Markets – SE Asia

INSURANCEBUDDHA

9 months• Identify Target brokers in Thailand ($

20M in revenues=cost)12 months• Close deal with brokers in Thailand• Identify Target brokers in Vietnam ($

10M) and Philippines ($ 15M )15 months• Close deal with brokers in Vietnam and

Philippines • Identify Target brokers in Malaysia ($

10M) and Indonesia ($ 15M )18 months• Close deal with brokers in Malaysia and

Indonesia • Presence in 5 countries across

SouthEast Asia

Combined Revenues - $ 250 MEBITDA - $ 75 M

Valuation: $ 750 M


Product, Marketing and Tech Strategy


Challenges• Legacy sales & distribution channels• Low penetration of insurance products• High renewal drop-off rates• Lack of consumer awareness

Product Development, Key Challenges & Opportunities

Opportunities• Creative products for the underserved market• Innovative products for today’s dynamic social-

driven economy• Digital sales and distribution channels increasing

efficiency (lowering Headcount- use of BPO) and revenue (up-selling and cross-sales)

• Bundling customer-specific consumer products with innovative insurance products. Example: $ 50 travel insurance policy with a free sample of Natura´s cosmetic


Increased perception of “Good Experiences” by the Customer• Receiving products, rebates, special offers (and others) will convert the “Fear & Loss” - based

experience of buying insurance into a “Pleasure & Win” - based , embracing the millenium population .

• Peer pressure and referral strategy with use of Social Media is an important tool of Marketing• Education process of the new consumer will have a “gaming-experience” approach , making it

much EASIER, PLEASANT and EFFICIENT.• Increasing the level of consumer awareness will happen naturally when General Experience is

positive

Product Bundling

Disruptive approach• Sending samples of branded products (Natura,

Boticário) to actual customers, according to their peferences, habits and context-relevant. Example: Sun Screen and/or Skin Moisturizer for people buying Travel Insurance and travelling to the beach.

• Partnerships with companies making consumer products will allow sharing databases and training the Learning Machine to improve accuracy of the algorithms and efficiency of the Predictions.


Soteria product portfolio to consist of existing products from acquisitions combined with innovative products targeting the underserved market.

Product Development

Existing products consist of:• Automotive• Residential• Pet

Innovative products examples to include:• Temporary travel auto insurance for

individuals who do not have existing coverage• Low cost housing coverage for the

underserved• Innovative travel insurance


Big DataLeveraging big data to send contextual, personalized messaging cross-channel - to both point of sale and geographically relevant.

Digital Marketing

Cross-ChannelCampaigns targeting consumers on the devices, at the time of their choosing, throughout the product lifecycle.

AnalyticsEmploying real-time data analytics to match message with specific needs, opportunities and environment.

Multi-ChannelPromote and facilitate relevant communication (dialog) through multi-channel digital and social media.

AwarenessCreation of testimonials, blogs and product information using best practices to drive awareness and education.

LoyaltySpecific campaigns designed to increase customer loyalty, drive word of mouth, build brand equity and company value.Customer Experience

Full engagement cycle and communication architecture to exceed customer expectations and drive referrals.

CommunityHigh level of engagement with community as corporate citizenship.

RelevancyUse of big data, advanced analytics and predictive analysis to create relevant products for the new social and sharing economy.


The technology roadmap for Soteria consist of six major layers with wide ranging purposes. The result is a platform that can be easily replicated and rapidly deployed. Technology development will have a significant impact on valuation.

Digital Marketing

Mobile: cell and smartphonesQuotingExperience

Technology Roadmap

The roadmap for Kiseguro.com targets a continual redesign based on analytics, improved user-experience, robust analytics, aggressive SEO and SEM, personalization and marketing automation.

Predictive Marketing / AIAnalytics / Marketing Automation


Disruptive Innovation


Opportunities Funnel

% SMARTPHONES IN THE REGION

ACTIVE BUYERS BY MOBILE

% APP AND LOCATION

% SUCCESS

33% (actual % in LATAM)

65% (actual % in LATAM)

10% (estimated)

5% (estimated)

Example for LATAM market:

Consumers Touched by the Soteria Solution


Phase 1 and 2

Implementations will continue to be heavily concentrated on significant productivity improvements, cost savings and capabilities that can not be done via any other architecture.

For Consideration

Phase 3 and 4

Implementations are migrating towards top line expansion and acceleration costumer acquisiton and better kowledge of consumer habits/preferences

Future Big Data project will receive more investment capital.


User’s smartphone detects a geofence or beacon.

Smartphone sends a request to the server to verify a geo-aware offer to send.

Server response: “Yes, send offer”.

Smartphonedisplays the message.

Server registers that the customer received the message.

Server sends anoffer to the potential

customer.

Soteria Geolocation Offers

1

2

34

5


Tracking Consumer Behavior Enables Predictive Marketing

Discover trends, patterns and behavior.Learn how people flow with heatmaps.

Location allows Soteria to: increase sales, improve the operations efficiency, improve customer satisfaction and compliment physical security.

Operations ImprovementAdvertising RevenueCommercial DynamizationCompliment PhysicalSecurity


Example of insurance offering in an unsafe zone

CopacabanaLocated in Rio de Janeiro, is one of the most touristic areas in Brazil. But, it is extremely unsafe, around 500 deaths/month in the last 8 years.New Year’s Eve Party: 2 MM visitors (816K tourists)

2,145 new contracts / users and $ 42,900 in ONE Night!

• A campaign to contract an express life insurance for 24 hours for $20 is sent to all people in the surrounding area.

• Applying the previous opportunity funnel, the result would be:

Market Example


• A campaign to contract an express travel insurance for $20 is sent to all people at the airport.

• Applying the previous opportunity funnel, the result would be:

Market Example

Example of travel insurance offering

Miami AirportLocated in Florida, is the main connection hub by air between US and LATAM.

40MM Visitors Annually (50/50 National / Intl.)

65,000 new contracts / users and $1.3MM in ONE Day!


Strategic Alliances


SitecoreLeading technology developer for digital marketing channels and customer experience. • 900+ employees• $200 MM global revenuesAlliance value: is providing Soteria with a revolutionary new platform for data capture and analysis creating a quantum leap in omni channel offerings.

Insurance Thought Leadership 300+ organizations and more than 500 World Class Thought Leaders are working with ITL — those organizations include Google, Deloitte, Accenture, EY, PwC, KPMG, Bain, IBM, Milliman, Capgemini, Guidewire, CIAB, QBE, Zurich, The Hartford, Pacific Life, Marsh, Aon, Willis, Sedgwick, disruptive technology companies and beyond. • Alliance value: global network of Top Executives worldwide discussing

cutting edge ideas and providing Soteria with disruptive concepts

Amazon Web Services (AWS)Considered #1 provider in web services hosting, security, cloud computing, web services for global companies facilitating rapid growth.• Scalability• Technological expertise• Rapid deploymentAlliance value: allows Soteria to focus on core business.

Strategic Alliances


IP Protection


The Soteria Legal Team at Christie Parker Hale is currently engaged in the following matters:

• Capital Raising activities; including providing advice in connection with new equity and capital raising transactions.

• Employment matters; including advising the company in connection with hiring new employees. In this connection, confidentiality and maintenance of control over proprietary work product are of crucial importance.

• Copyright and trademark protection; Christie works with local counsel in Latin America to ensure trademarks and copyrights for the “Kiseguro” name and visual mascots are filed and maintained in the relevant jurisdictions.

• Patent protection; going forward, it is expected that lawyers at Christie will work with patent agents to file and defend patents for work developed by Soteria.

About Christie Parker Hale IP Assets

IP Focus

• Christie Parker Hale LLP are a major intellectual property law firm practicing patent law in 75 countries and trademark law in 195 countries working to secure and enforce IP assets.

• CPH have represented Fortune 500 companies and individual inventors for over 50 years.


Financial Strategy


(*) Binding LOI executed, SPA in progress

Acquisition Company Date Revenue EBITDA

Brazil PU (*) dec/15 $ 8M 22%

Brazil UC (*) dec/15 $ 3M 33%

Argentina SM (*) dec/15 $ 1,5M 50%

Company Valuation

Aug 14 June 15 March 16 July 16No IP

July 16w/ IP

$2M Capital

Development

$15M Capital Needed

$8M$18M

$80M

$120Mto

$226M

$200Mto

$377M

Acquisitions(end of Jan 16)

Operational


Based on the current acquisition and technology strategies, Soteria will have a valuation exceeding $80M by March 2016 and ranging from $120M to $226M by July 2016 (without IP) and from $200M to $377M (including IP)

Soteria is currently raising $15 M to fund current acquisitions in place

The operation could be debt, equity or convertible debt depending on investor’s profile

The resulting organization after acquisitions will be the cornerstone to complete the build-out of technology and innovation development

Debt facility will be available in each country with local Banks (Brasil: Bradesco)

Valuation in 2018 based on Technology multiple of EBITDA will be US 1.5 Billion

Summary


About Soteria


Soteria Directors/Advisors

William Nobrega MBA, Conrad Group, Deloitte

Woo Swee LianOwner of 9 Global Organizations

Louis D. SpagnuoloSerial Entrepreneur CEO IlluminatiTrust

Sergio SmurraFounder of Smurra BrokersArgentina

Paul CarrollLeading expert within the insurance industry

David LeungCEO of several Asiatic companies – expert and advisor for Asia Pacific


Soteria Leadership Team

Daniel Heuri, MBAManaging Director and Head of Global M&A

William NobregaFounder

Patrick PrasinosVP of Strategy and Finance

Paul CarrollDirector and Senior AdvisorTeresa Escrig ,PhDCIO

Sergio SmurraVP Product Development

Noelle CarpenterSocial Media Manager

Louis D. SpagnuoloCEO

David LeungDirector Asia Pacific -Advisor


We are currently raising our A Round:

• Pre-money valuation of $30 M for Straight Equity • Issuance of Convertible Debt based on a conversion valuation of $

50M - with 11% interest , 12 month term (payable at end of term)

Valuation in 2018 based on Technology multiple of EBITDA will be US 1.5 Billion

OPPORTUNITY FOR INVESTMENT

soteria global (latam+se asia) investor presentation v2.1 bundling+dl

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