Institutional Presentation

1. Soteria INTERNATIONAL
LATAM Investor
Presentation 2015

2. Soteria INTERNATIONAL
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

3. Soteria INTERNATIONAL
LATAM Strategic Overview

4. Soteria INTERNATIONAL
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

5. Soteria INTERNATIONAL
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

6. Soteria INTERNATIONAL
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

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Product, Marketing and Tech Strategy

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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

9. Soteria INTERNATIONAL
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

10. Soteria INTERNATIONAL
Big Data
Leveraging big data to send
contextual, personalized messaging
cross-channel - to both point of sale
and geographically relevant.
Digital Marketing
Cross-Channel
Campaigns targeting consumers
on the devices, at the time of
their choosing, throughout the
product lifecycle.
Analytics
Employing real-time data
analytics to match message with
specific needs, opportunities and
environment.
Multi-Channel
Promote and facilitate relevant
communication (dialog) through
multi-channel digital and social
media.
Awareness
Creation of testimonials, blogs
and product information using
best practices to drive awareness
and education.
Loyalty
Specific 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.
Community
High level of engagement with
community as corporate
citizenship.
Relevancy
Use of big data, advanced
analytics and predictive analysis
to create relevant products for
the new social and sharing
economy.

11. Soteria INTERNATIONAL
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

12. Soteria INTERNATIONAL
Disruptive Innovation

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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

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Proprietary Technology

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Growth
Technology Adoption and Market Disruption
Time
Emerging Growth Mainstream
Strategic
Technology
Trends

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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)

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Company Revenue Growth
Period (No IP Defined)
Period (Strong IP Defined)
* Present in 18 Countries

18. Soteria INTERNATIONAL
Big Data
For companies that are using big data,
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

19. Soteria INTERNATIONAL
First and Second Generations
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
Third and Fourth Generations
Implementations are migrating towards top line expansion
– Future Big Data projects will receive more management scrutiny
– Technical implementations are significantly more complicated

20. Soteria INTERNATIONAL
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”.
Smartphone
displays the message.
Server registers that the
customer received the message.
Server sends an
offer to the potential customer.
Soteria Geolocation Offers
1
2
34
5

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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 Dynamization
Compliment Physical
Security

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Example of insurance offering in an unsafe zone
Copacabana
Located 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

23. Soteria INTERNATIONAL
• 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 Airport
Located 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!

24. Soteria INTERNATIONAL
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
%
Revenue / Cost
(for 1MM users and $3 / contract)
Soteria cost per user: $ 0.01
compared to Google Adwords keyword ‘insurance’: $ 54.00
Single Market Campaign - ROI Analysis
ROISimulation

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Strategic Alliances

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Sitecore
Leading technology developer for digital marketing channels and customer experience.
• 900+ employees
• $200 MM global revenues
Alliance value: is providing Soteria with a revolutionary new platform for data capture and
analysis creating a quantum leap in omni channel offerings.
Liberty Mutual
Established in 1912 is a leading global insurance provider with significant operations throughout
LATAM.
• Ranked 76th on the Fortune 100 list of largest corporations
Alliance 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 deployment
Alliance value: allows Soteria to focus on core business.
Strategic Alliances

27. Soteria INTERNATIONAL
IP Protection

28. Soteria INTERNATIONAL
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.

29. Soteria INTERNATIONAL
Financial Strategy

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(*) 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 16
No IP
July 16
w/ IP
$2M Capital
Development
$15M Capital Needed
$8M
$18M
$80M
$120M
to
$226M
$200M
to
$377M
Acquisitions
(end of Jan 16)
Operational

31. Soteria INTERNATIONAL
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

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About Soteria

33. Soteria INTERNATIONAL
Soteria Directors
William Nobrega
MBA,
Conrad Group, Deloitte
Woo Swee Lian
Owner of 9 Global
Organizations
Bob Pritchard
BBA, AISMM, CSP
Sergio Smurra
Founder of Smurra Brokers
Argentina
Paul Carroll
Leading expert within the
insurance industry
Dr Pano Kroko
VC, GlobalAngel
Entrepreneur

34. Soteria INTERNATIONAL
Soteria Leadership Team
Daniel Heuri, MBA
Managing Director
William Nobrega
CEO
Andy Ford
CTO
Patrick Prasinos
VP of Strategy and Finance
Paul Carroll
Advisor
Teresa Escrig ,PhD
CIO
Marcelo Romano
VP Global Digital Platforms
Sergio Smurra
VP Product Development
Noelle Carpenter
Social Media Manager