INVESTOR

US $40 average balance

Earns 0% interest

Pays maintenance/minimum balance fees

Great and ample credit history

Payroll loan interest rate 21%

Owns his house

Credit card interest rate 40% +

8 years at current employment

BORROWER

Withdrawal and annual fees

People can’t invest in reaching their potential

due to lack of good funding options

People can’t keep up with inflation nor increase their liquid wealth due to lack of

good saving options

SAVINGS

CDs

REFERENCE RATE (CETES)

0.8%

2.7%

3.0%

67%

33%

SAVINGS

CDs

Gross return, before fees. Average minimum amount on interest yielding accounts, US$720Average monthly fee for balances below minimum, US$14.3Source: Condusef, CNBV, Banxico.

INTEREST RATESMARKET SIZE

SAVINGS

EXP. 2015 INFLATION 3.3%

100% = US$ 216 billions

LOANS

38.5%

25.2%

37.7%

PERSONAL LOANS

PAYROLL LOANS

CREDIT CARDS

INTEREST RATES

PAYROLL LOANS26.6%

CREDIT CARDS50.9%

PERSONAL LOANS22.5%

Gross interest rates, before withdrawal and annual fees. Source: Condusef, CNBV, Banxico.

INDIVIDUAL LOANS MARKET SIZE

100% = US$ 39 billions

TE DAMOS TU MERECIDO WE GIVE YOU WHAT YOU DESERVE

UNNECESSARY COSTS

POORLY DIFFERENTIATED PRICES

DECEITFUL SCHEMES

DIRECT BANKINGGROWTH HACKING MARKETING

RISK ADJUSTED PRICING

HONESTY

PROBLEMS TO OVERCOME

HUMAN CENTERED DESIGNBORDENSOME PROCESSES

TO ALL OF OUR CLIENTS TO OUR SAVERS

TO OUR BORROWERS

Saving interest rate of Cetex from $1.

Interest rates up to 2.5 x Cetes in CDs.

Best rates for the best profiles (no cross-subsidization).

Average savings of 30% compared to regular rates.

No fees, no surprises.

Web exclusive operations.

Human centered design process.

Highest information security standards

OUR VALUE PROPOSITION

PEOPLESTRATEGY

SYSTEMSGROWTH HACKING TACTICS

Cryptology State of the art web and

scoring systems. Highest transaction and

information security tools. Simple and reliable

processes

4 years of regulatory transformation.

Poorly and inefficiently served market.

High entry barriers due to regulation.

One of the world’s highest profitable financial markets

A UNIQUE MODEL

Great management team. Strong shareholders group. Solid corporate

governance.

Social network based marketing.

Incentives for client references.

Fun and educating marketing campaigns.

We dream with a world of happy kids, thriving youngsters, successful

adults and dignified elderly.

Through delivery of efficient and honest financial services, we

contribute to achieve just that.