Personal loans, without banks

Personal loans, without banks

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Uruguayan Market

Uruguayan Market

PROS

? Political and Economical stability

? USD 3bn personal loans ? Sustained GDP growth ? 74% of population has debt

(Pronto!, 2013) ? Increasing interest rates

Interest Rates Average (UY $)

100,0 50,0

0,0

CONS

? Peso hedge is costly and imperfect

? Dollarised economy ? Technology barrier

Average Families Average Companies

Opportunites

? Apply technology to drop costs and processing times

? Operate under a more flexible financial scheme than banks

? Lead the incubation of new financial market

? Better ROI for savers

ago-11 nov-11 feb-12 may-1 ago-12 nov-12 feb-13 may-1 ago-13 nov-13 feb-14

Source: BCU, 2014

This message and any les transmitted with it are intended only for the use of the addressee, and contains PRIVILEGED and CONFIDENTIAL information. If you are not the intended recipient, you are hereby noti ed that any use, dissemination, or copying of this communication, in whole or in part, is strictly prohibited.

Unique Selling Points

This message and any les transmitted with it are intended only for the use of the addressee, and contains PRIVILEGED and CONFIDENTIAL information. If you are not the intended recipient, you are hereby noti ed that any use, dissemination, or copying of this communication, in whole or in part, is strictly prohibited.

Competitive Advantage

Best local law firm as equity partner ? Tax and Legal issues ? Management of Financial Trust, credit rating and external audits ? Debt collection, court and litigations

Interest rates ? Lowest borrowing interest rates of the market by 50% ? Over 50% ROI for UY pesos savers (average UY$ savings return 7%/y, average return tutasa 20%/y)

Web platform ? Inspired on UK-leading P2PL business model ? Bid data collection and advanced automated risk assessment (credit score agency plus in-house checks)

Contingency Fund ? Diversifies risks among all loans, allowing quicker matching and money allocation

The team ? Strong team with specific tasks assigned to experienced companies on their fields

This message and any les transmitted with it are intended only for the use of the addressee, and contains PRIVILEGED and CONFIDENTIAL information. If you are not the intended recipient, you are hereby noti ed that any use, dissemination, or copying of this communication, in whole or in part, is strictly prohibited.

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