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Internet Finance in Latin America Getting high net yields thru Marketplace Lending

Internet Finance in Latin America Getting high net yields thru Marketplace Lending. Alejandro Cosentino Founder & CEO. Lendit China Shanghai June 17, 2016. After dominated the markets for years Banks Finally H ave Competition in Latin America. Intermediation is no longer necessary

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Internet Finance in Latin America Getting high net yields thru Marketplace Lending

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  1. Internet Finance in Latin America • Getting high net yields thru Marketplace Lending • Alejandro Cosentino • Founder & CEO • Lendit China • Shanghai • June 17, 2016

  2. After dominated the markets for years • Banks Finally Have Competition in Latin America • Intermediation is no longer necessary • Technology made it possible, cheaper • Sharing Economy changed landscape • Authorities support FinTech trend • Millennials are the driver for FinTech

  3. PAN-REGIONAL OPPORTUNITY Mexico Population: 122 M GDP: 1.26 T Ratio: 26 % Why Latin American Emerging Markets Are Attractive? Low penetration of loans vs. GDP Argentina Population: 40 M GDP: 450 B Ratio: 14% Peru Population: 30M GDP: 202B Ratio: 26% Brazil Population: 200 M GDP: 2.4 T Ratio: 65% Chile Population: 18 M GDP: 227 B Ratio: 70% Colombia Population: 48 M GDP: 378 B Ratio: 45% • Population: 625+ Million • GDP: US$ 5 Trillion • Debt Market: US$ 2.2 Trillion

  4. Deposit & Lending interest rates % call for disruption • Bank spreads are one of the biggest around the world Mexico Population: 122 M GDP: 1.26 T Ratio: 26 % Argentina Population: 40 M GDP: 450 B Ratio: 14% Peru Population: 30M GDP: 202B Ratio: 26% • LatAm has low inflation rates • FX under control • Banks dominate the space • Spread are huge (30%-100%) • Low penetration credit vs. GDP • High Net Yields in US$ Brazil Population: 200 M GDP: 2.4 T Ratio: 65% Chile Population: 18 M GDP: 227 B Ratio: 70% Colombia Population: 48 M GDP: 378 B Ratio: 45%

  5. Mirrors and Even Skews Ahead of Global Trends • Latin american internet dynamics • LatAm Market Size internet base 320 Million • IT’s A New market • BEHAVE Different • better decisions • IMPACTS • GEN Y earns its salary • 70% are 24+ years old • 97% use the Internet for pre-purchase research • 25+ hours/month online • 90% use social nets • DESCRIPTION Source:www.internetworldstats.com, as of June 30th, 2015 comScore Media Metrix, June 2015 • Source: Liberum

  6. Market Conditions Ready for Institutional Lenders • Infrastructure + Data Mexico Argentina Peru • Credit Bureau Information available • State-Of-Art Acquisition Tools • Diversified Acquisition Channels • Online Acquisition works 24/7 • e-transactions and ACH add efficiencies Brazil Chile Colombia

  7. Huge Leap in P2P Awareness Since 2012 KNOWLEDGE LEADS TO ADOPTION BY CONSUMERS AND SME’S “Peer to Peer Lending” Google Trend “Lending Club - USA” Google Trend “CreditEase - CHINA” Google Trend *** “AFLUENTA - AR” Google Trends *** “Rate Setter - UK” Google Trends 2016 2016 2012 2012 2016 2012 “FundingCircle - UK” Google Trends 2016 2012 2016 2012 2016 2012 Source: Google Trends

  8. Latinos are early adopters of worldwide trends Afluenta Brings Marketplace Lending to LatAm 3Q 2016 • First & only Pan-Regional crowdlending network • FinTech = better loans & better yields • Solid Technology Platform & Experienced Team • Expecting to complete blueprint by 2018 • First Class Shareholders 2017 2015 2017 2018 2012

  9. AFLUENTA PAN-REGIONAL • First LatAm P2P working as USA or EU MPL Consistent and solid loan volume growth Growing average loans size Positive Net Yield across different lenders clusters Better yield vs. Bank products Increased # of lenders per loan More information on: www.afluenta.com/estadisticas

  10. CROWDLENDING REMOVES THE MIDDLEMAN Afluenta Operates Full Cycle Automated Processes ID customers Credit Assessment & AML Fractional Loans Online Auction Servicing Loans Secondary Market

  11. FEE STRUCTURE Afluenta Collects from Both Borrowers and Lenders • BORROWERS • Pay 2.5 - 6% • per credited loan • LIFE INSURANCE • Afluenta earns 0.115% on life insurance credit balance • LENDERS • Pay 2% per each loan • collected on monthly payment • SECONDARY MARKET • Sellers and buyers pay 1% for securitization

  12. Model already validated 10 KPIs about Afluenta • 5.0 M unique visitors (3.5 M last 12 months) • 270,000 communitymembers • Loans ups to US$ 10K • Average loan data: US$ 2,5K @36 month • Originating US$ 1M a month • 100% retail investors • 95% of apps answered in 15 seconds. • Avg net yield annual 20% in USD • Delinquency+90 days: 4.5% • Customer Satisfaction: 95%

  13. Thank you!

  14. www.afluenta.com • contacto@afluenta.com • @afluenta • facebook.com/afluenta • Av. Dorrego 1789 5to. piso Oficina 503 • (1414) Ciudad Autónoma de Buenos Aires • Teléfono +54 (11) 5219 6655

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