Easiest, Fastest and Securest way to get a Loan

in LATAM

Antonio Eram - Co-Founder

Mobile App Exclusive Micro-Lending Company

Social network based Algorithm

-Apply from anywhere in very easy steps. -Small amounts, from $5 to $500 USD-Short term, from 5 to 30 days -1% day interest rate plus fees-Fast approval 15 - 30 minutes-Service 24/7

What is Mobilender?

Introduction VIDEO

10 biggest lending companies: $1.2B turnover300% increase in volumes in 3 years

At least 4 of them have $15M in turnover

IT’S A BIG BUSINESS

GLOBAL FACTS

Wonga Mr. Lender PAYDAY UK (DFG)

TURNOVER $1.2 Billion $300 Million $1 Billion

YEARS IN OPERATION

6 YEARS 3 YEARS 5 Years

PROFIT after tax $84.5 M pounds (2013)

$10 Million pounds (2013)

$60 M pounds (2013)

PRESENCE IN UK, Poland, South Africa, Spain, Canada

UK Canada, UK, US Sweden, Finland, Czech Republic,

Spain

Global facts - small & fast loans

Team :

RodrigoCobos (CEO)

FarzadAbolfathi

JoaquínDelgado

RigobertoCobos

SaeedAmidi

MiguelMencía(MKT Director)

AntonioEram

Development & Operation Investors & Advisors

Antonio EramIT Director

Felix Crisan CTO

Cristian DumitruWeb Developer

MihaiApp Developer

Rodrigo CobosCEO

Miguel MencíaCMO

Miguel MontesCOO

Call CenterMarketing Team

Óscar CastellanosChief Designer

Alex DudutaAlgorithm Developer

Accountant/Lawyers

Boards and Advisors

Team Structure (15 people)

Board of Directors

Today Status :

-Mobile exclusive lending platform, exclusive target market (Middle-High Income young people)

-Launched mid 2014: +1,000 loans issued -Average loan Term: 12 days, Average amount: $100

-Social Networking based algorithm for Credit Scoring

-Default rate is 5%

-Exclusive advertising on Facebook & Twitter: CPA ~$12 USD

HOW DO WE COLLECT MONEY?TAKING DOWN LOANS RISK

-Addressing Automatically the Money from Client’s bank account.

-Call Center specialized on collecting

-The use of Social Networks

-Credit Bureau

-In some cases “Parental Force”

ALGORITHMTAKING DOWN LOANS RISK

USER DATA

PERSONAL INFORMATION

(Thousands Combinations)

ALGORITHM The algorithm gives us an accurate grade in order to know if a customer is or not a candidate to get a loan.

RejectedRejected

ApprovedLoan

ApprovedLoan`

RejectedLoan

WHY DIFFERENT?COMPETITIVE ADVANTAGES

1. Mobile App Exclusive2. Algorithm3. 24/7 Service4. Automatic Collection Process 5. Fastest Response (Max 30 mins)6. Shortest and Easiest Request Form7. Design for any Market

Partners :

Raised $1.5M USD (4M Valuation Cap)

Next Steps :

-Looking For Round A: 2M USD in a 10M USD Valuation Cap (Needed for Granting Loans & Improvement on Platform)

•Reach 2.000 loans/mo (Break Even) in the next 6 mo•Increase Loan value to $200•Hold default rate under 10%•Expand into LATAM (Costa Rica, Panama, Colombia)

THE BIG Picture :

Creating the First Mobile Bank in LATAM

To build a complete Infrastructure for Payments, Lending, Merchant and

Customer services.

MobilBank Products/Divisions:

MobilenderLending Services

MobilPay (3rd Q 2015)Payment and Merchant Services

Batoamigo (4th Q 2015)Peer to Peer Lending

MobileSave (1 Year) (WE OWN A BANK LICENSE)

Deposits/Savings Account

MobilPay Wallet NOW!:

-Leading mobile payment service in Romania, launched in 2013 in partnership with MasterCard Europe (200 Million

Euros in Transactions per Month)

-Implementation for payments (on and off-line) multiple payment methods, technologically advanced

(QR, NFC, BTLE, push2pay) solution

To be deployed in Q3 2015 in MX in partnership with local merchants.

MobilBank Ecosystem :

MobilBank

online / mobile payments

money transfer / remittance

loyalty programs

other currencies

Micro-Loans

Bitcoin/other E-Money

MobilPay Wallet

MobiLender

Banking Services

Card Issuing / Deposits

Savings, Working Capital

offline acceptancemobile POS / vending

offline acceptancemobile POS / vending online / mobile acceptance

Peer to Peer Lending BatoAmigo

Thank you