New deck for INVESTORS - SOTERIA

1. Soteria INTERNATIONAL
stor Presentation 2016

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
Global Roadmap :
LATAM
&
Southeast Asia

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 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

5. Soteria INTERNATIONAL
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

6. Soteria INTERNATIONAL
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

7. Soteria INTERNATIONAL
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 750 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

8. Soteria INTERNATIONAL
Target Markets – SE Asia
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

9. Soteria INTERNATIONAL
Product, Marketing and Tech Strategy

10. Soteria INTERNATIONAL
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

11. Soteria INTERNATIONAL
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.

12. 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
• Innovative travel insurance

13. 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.

14. 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
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

15. 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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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.

18. 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

19. Soteria INTERNATIONAL
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

20. Soteria INTERNATIONAL
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

21. 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!

22. Soteria INTERNATIONAL
Strategic Alliances

23. Soteria INTERNATIONAL
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.
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 deployment
Alliance value: allows Soteria to focus on core business.
Strategic Alliances

24. Soteria INTERNATIONAL
IP Protection

25. 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.

26. Soteria INTERNATIONAL
Financial Strategy

27. Soteria INTERNATIONAL
(*) 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 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

28. Soteria INTERNATIONAL
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

29. Soteria INTERNATIONAL
About Soteria

30. Soteria INTERNATIONAL
Soteria Directors/Advisors
William Nobrega
MBA,
Conrad Group, Deloitte
Woo Swee Lian
Owner of 9 Global
Organizations
Sergio Smurra
Founder of Smurra Brokers
Argentina
Paul Carroll
Leading expert within the
insurance industry
David Leung
CEO of several Asiatic
companies – expert and
advisor for Asia Pacific

31. Soteria INTERNATIONAL
Soteria Leadership Team
Daniel Heuri, MBA
Managing Director and Head of Global M&A
William Nobrega
Founder
Patrick Prasinos
VP of Strategy and Finance
Paul Carroll
Director and Senior Advisor
Teresa Escrig ,PhD
CIO
Sergio Smurra
VP Product Development
Noelle Carpenter
Social Media Manager
David Leung
Director Asia Pacific -Advisor

32. Soteria INTERNATIONAL
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