Soteria 4 crowdfunder presentation v2.2

Soteria INTERNATIONAL

LATAM Investor Presentation 2015


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


LATAM Strategic Overview


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 with additional acquisitions being negotiated for 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


Acquisitions

– Made 3 acquisitions in Brazil and Argentina– $60M in policies under management– $15M revenue (FY 2015)– $4M EBITDA and CAGR 25% (FY 2015)

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 $15M investment, Soteria will reach $120M to $377M valuation by

December 2016

Strategy


3 months• Finalize acquisitons (SPA) in Brazil and Argentina• Identify Target brokers in Mexico and Colombia

6 months• Close deal with brokers in Mexico and Colombia • Identify Target brokers in Peru

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

Acquisition Roadmap


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


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• Telematics


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

MobileQuotingExperience

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 MarketingAnalytics / 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


Proprietary Technology


Grow

thTechnology Adoption and Market Disruption

Time

Emerging Growth Mainstream

StrategicTechnologyTrends


3 months 9 months 12 months

500 K

1 MM

> 10 MM

Platform 11.0

Standard Platform 2.0 + Beta

Standard Platform 1.0

Soteria Platform 11.0 (Quantum Leap)


Company Revenue Growth

Period (No IP Defined)

Period (Strong IP Defined)

* Present in 18 Countries


Big Data

For companies that are using bigdata, 92% of executives

are satisfied with the results and 89% rate big data as “very” or “extremely” important.

Embracing Big Data and Innovative Engineering

89%

of respondents who have implemented at least one big data project see it as a way to revolutionize business operations, and 85% believed big data would dramatically change the way business is done.

Investment Capital

Only impacts operational performance when the costs were previously factored into the budget

Uncertainty + Global Instability

= Unrealized financial forecast

Cloud Revenue

that fills unrealized financial forecast may be at best a neutral growth driver


First and Second GenerationsImplementations 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

Third and Fourth GenerationsImplementations are migrating towards top line expansion – Future Big Data projects will receive more management scrutiny – Technical implementations are significantly more complicated


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!


Commercialized solution as a service with the pricing model based on the number of active users in the platform.

• 1 million users in the platform• Service costs: $12,000 / month• 5% of successful signings / month• Revenue per contract: $3• One day promotion

$150K Revenue / mo.

100%

Series1

Revenue / Cost(for 1MM users and $3 / contract)

Soteria cost per user: $ 0.01compared to Google Adwords keyword ‘insurance’: $ 54.00

Single Market Campaign - ROI Analysis

ROISimulation


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.

Liberty MutualEstablished in 1912 is a leading global insurance provider with significant operations throughout LATAM. • Ranked 76th on the Fortune 100 list of largest corporationsAlliance value: working with Liberty, Soteria is developing innovative products for an underserved market that exceeds two billion customers worldwide.

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%

(Based only on 3 current acquisitions)

Company Valuation

Aug 14 June 15 Feb 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 February 2016 and ranging from $120M to $226M by June 2016 (without IP) and from $200M to $377M (including IP)

Soteria is currently raising $15M 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

(Additional acquisitions not considered)

Summary


About Soteria


Soteria Directors

William Nobrega MBA, Conrad Group, Deloitte

Woo Swee LianOwner of 9 Global Organizations

Bob PritchardBBA, AISMM, CSP

Sergio SmurraFounder of Smurra BrokersArgentina

Paul CarrollLeading expert within the insurance industry

Dr Pano KrokoVC, GlobalAngel Entrepreneur


Soteria Leadership Team

Daniel Heuri, MBAManaging Director

William NobregaCEO

Andy FordCTO

Patrick PrasinosVP of Strategy and Finance

Paul CarrollAdvisor

Teresa Escrig ,PhDCIO

Marcelo RomanoVP Global Digital Platforms

Sergio SmurraVP Product Development

Noelle CarpenterSocial Media Manager

Soteria 4 crowdfunder presentation v2.2

Economy & Finance

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