Developing Products and Services for the Hispanic Population in the U.S. Market and their Families in Latin American Countries

The information presented in this document is confidential and proprietary to Radio 1 Network and Santa Fe

Communications Group (“SFCG”) and for use solely by the individual to whom it is addressed and subject to non-

disclosure/non-circumvent restrictions contained herein.

Strictly Private and Confidential

The Opportunity

2

□ Tú Eres América is a Santa Fe Communications Group initiative to create a complete product and service offering specifically designed for

the Hispanic population in the US and there families in Latin American Countries

Tú Eres América promotes social development to the largest minority population in the US and their families in Latin American

Countries

Tú Eres América Business Model

Radio

Print Media

Internet

TV

Community Events

Digital Media

Call CenterContact CenterService Center

Operations

Sales

Customer Service

Payments Reception

Information, Advertising &

Promotion

Sales Management

Collection

Telemarketing

B2B Sales

24/7 Support

Transactions

Closing

Products & Services

Repatriation

Health Assistance

Disability

Remittances

Insurance

Legal Assistance

Personal Loans

Debit Card Services

Education cross border programs

Diffusion Means in the

US and Latin American

Countries

Tú Eres América Project Highlights

3

Relevant Social and Economic Impact in US and Latin American Countries

Impressive Track Record and Industry Pioneer

US Hispanic Population Potential Reach

Extremely Attractive Market Potential

Proven and Experienced Management Team

JV and Strategic Partners

Impact of Hispanic Population in the US “at a Glance”

4

+US$24.7 billion in remittances in 2015 to Mexico

+ 14 million potential families

98% of Remittances to Mexico come from the US

1% Increase in remittances diminishes Poverty Index in Mexico

Remittances represent +2% of the GDP in Mexico

The Hispanic population in the US has a relevant impact on Latin American countries.

Hispanic Market Opportunity

5

Hispanic Market in the US

□ Hispanics are the largest minority in the United States. There

are more than 50mm inhabitants

□ Hispanics represent approximately 16% of the total US

population

□ Hispanics accounted for more than 56% of the total US

population growth in the last 10 years and have more than

US$1trillion of purchasing power

□ 76% live in 9 states, Texas and California account for 46.5% of

the entire population

□ Hispanics are projected to represent 30% of the US

population by 2050

14.6

22.4

35.3

50.5

1980 1990 2000 2010

Hispanic US Population (mm)

Under banked and Unbanked Market in the US

□ As of 2013, there are more than 33mm people unbanked and

55mm under banked people in the US

□ According to KPMG, in 2012 there were 33mm unbanked and

55m under banked people in the US

□ This segment has grown 12% over the last 4 years due to the

economic and mortgage crisis

□ 47% of Hispanics are either unbanked or under banked

representing more than 25mm people

□ US born Hispanics are more likely to be unbanked (75%) than

under banked (25%); however, 80% of the foreign born

Hispanics are unbaked

□ Hispanics are twice as likely to have never had a checking /

savings account than other US unbanked or under banked

people (43% vs. 21%)

□ 42% of unbanked and/or under banked Hispanics are more

likely to use alternative methods to conduct financial

transactions such as grocery stores and supermarkets

Source: KPMG. Nielsen, US Census Bureau.

Tú Eres América Products – Housing

6

Construction and Financing of Housing in Mexico

We provide housing solutions to Mexican immigrants in the US to build and finance their home in Mexico

We offer several prototypes to fit different needs and requirements

Houses are delivered between 3 to 6 months, ready to use

All houses delivered are guaranteed against installations malfunctions, waterproofing and hidden defects

Tú Eres America also helps you find the right loan for your house in the US, either to buy or refinance your mortgage

Marketing Strategies

Consumer Events

Radio / Internet

POS at Sigue Stores (Phase 2 at Supermarkets)

Street teams at Sigue Stores (Phase 2 at Supermarkets)

Tú Eres América Products – Insurance & Repatriation

7

• Protect your Family

• Unemployment

• Protect your Automobile • Prevent Accidents

• Protect your home

With Insurance at your fingertips you will find the insurance you need, within your budget and according to your real needs. Protect your family in Mexico and the US, with multiple toppings at your pocket:

Accidents

Protect Your Automobile

For Unemployment

For Sickness

For Travel & Vacation

For your Home

Repatriation

Among others…

Marketing Strategies

Consumer Events

Radio / Internet

POS at Sigue Stores (Phase 2 at Supermarkets)

Street teams at Sigue Stores (Phase 2 at Supermarkets)

Tú Eres América Products – Loans

8

Payday Loan / Cash Advance

If you need a little extra money before your next paycheck, try a fast & easy cash advance. We’ll help you get the money you need. So you can keep moving forward.

Get money in minutes

Clearly defined fees & terms

Simple, short-term advance

Payday Loans from $50.00 to $255.00 in California

Tú Eres America also helps you find the right loan for your house, either to buy or refinance your mortgage

Coming soon… Tú Eres America will also provide Personal Loans, Title Loans and other financial services products.

Marketing Strategies

Consumer Events

Radio / Internet

POS at Sigue Stores (Phase 2 at Supermarkets)

Street teams at Sigue Stores (Phase 2 at Supermarkets)

Tú Eres América Products – Legal Assistance

9

• Criminal Matters& Deportation

• Expunge YourCriminal Record

• Court Defense& Tickets

•Tourist, Business& Employment Visas

• Real Estate& Construction Law

• Immigration& Family Law

Many Hispanics are intimidated by the thought of hiring a lawyer.

Language barrier.

Lack of knowledge about the legal system.

Trust.

Abogados Tú Eres América is there to help them find the best solution to their legal issue.

Over 3,500 attorneys in the network.

Spanish speaking service.

Trust in Tú Eres America brand.

Marketing Strategies

Consumer Events

Radio / Internet

POS at Sigue Stores (Phase 2 at Supermarkets)

Street teams at Sigue Stores (Phase 2 at Supermarkets)

Tú Eres América Products – Tu Eres Educacion

10

Non-for profit strategy to connect Mexicans living in the US with their communities in Mexico in order to improve the Education system through the EXEB (Empresarios por la Educacion Basica) Foundation.

The Immigrant will be able to support that school in his community in Mexico by a donation, which amount will be matched by EXEB and Sigue. Every $1 will become $3.

Tu Eres Educacion will be developed under the umbrella of Tu Eres America, increasing the potential market to offer the other Tu Eres America products.

Marketing Strategies

Consumer Events

PSAs on TV

Radio / Internet

POS at Sigue Stores (Phase 2 at Supermarkets)

Street teams at Sigue Stores (Phase 2 at Supermarkets)

SFCG | Tú Eres América Company Profile

11

Company Profile

12

Tú Eres América

□ Hispanic market oriented company, specialized on creating an

offering products that best fit the everyday needs

□ Focused on giving guidance to Hispanics to guarantee and

improve:

Quality of life

Personal finance

Safety

Health

Community

Tú Eres América is a platform of useful information, inspiration, qualified products, services and solutions to empower the

Hispanic population in the US.

Tú Eres América Group

□ Tú Eres América is an initiative of Santa Fe Communications

Group, a leading company with 3 decades communicating

and linking different key sectors of the Hispanic market

□ Santa Fe Communications and Radio 1 Network have

extensive experience working in the Hispanic media,

marketing, and public relations sectors. The company has

been a pioneer in and a witness of the remarkable growth of

the Hispanic market in the U.S

□ The company has executed projects in important marketing

branches including production of radio, television, special

events, and sales marketing programs. A number of these

projects have been first to market

Company Profile

13

□ El Premio de la Gente (The People's Award) - The first people's choice awards program ever done for the Latin music genre and which included a public voting for their favorite artists at national retail store chains and subsequently on-line as well. Top advertisers such as Coca-Cola, Safeway, and General Motors sponsored the program.

□ Caminos al Éxito (Roads to Success) - One of the first self-improvement programs for Hispanic women and families ever produced in California. The program included seminars on education, career development, and finance.

□ Laboratorios América (America Labs)- A joint venture early in the rise of the Hispanic marketplace which utilized radios stations covering Northern Mexico, California, Oregon, Washington Arizona and New Mexico to sell medicinal products direct to the Hispanic consumer.

□ Salud Sobre Ruedas (Health on Wheels) - One of the first marketing programs to take the health and wellness theme into Hispanic communities. The program received the recognition from the U.S. Surgeon - Dr. Richard Carmona.

□ Únete con la Gota de la Vida (Join the Drop of Life) - A "marketing with a higher cause" program done in partnership with City of Hope to increase the database of bone marrow donors from the Hispanic market and to raise funds for cancer research. The program has had a 10-year duration and has raised over $2M dollars for City of Hope.

□ Al Éxito TV - 102 one hour TV episodes series first of its kind on NBC Spanish independent station in Los Angeles ADI area over $10 Million in sold advertisement and sponsorship packages. Over 2,000,000 new transactions generated in 2 years same number of stores.

Santa Fe Communications and Radio 1 Network have extensive experience working in the Hispanic media, marketing, and

public relations sectors. The company has been a pioneer in and a witness of the remarkable growth of the Hispanic market

in the U.S.

Strategic Partners

14

□ Radio 1 Network (R1N) is part of Santa Fe Communications

Group and reaches the largest minority in the US in an

effective, efficient and engaging manner

□ R1N has direct reach through 297 radio stations to 51% of the

53.4 million US Hispanic population

□ The network covers major metropolitan markets as well as

smaller DMAs not well reached by other networks

Through strategic alliances with Sigue and Radio 1 Network, Tú Eres América has the potential to reach millions of Hispanic

people in the US.

SigueRadio 1 Network

□ The Sigue family of companies has been dedicated to

providing excellence in money transfer services

□ Sigue offers a range of products and services that allow

customers to transfer cash to family and friends in an easy,

fast and convenient manner

□ Sigue’s database contains real-time information and socio-

demographics of over 4 million customers in the US and

Mexico with over 12,000 points of sale in the US

□ Sigue is the #1 sender of remittances between the US and

Mexico, with 1 to 1.5 million transactions each month

Radio 1 Network

15

Network of close to 300 radio stations nationwide can reach over 28,625,056 (51%) of all Hispanic consumers

• Covers major metropolitan markets as well as smaller DMAs not well reached by other networks

• Radio Uno Network has the Potential to Deliver 51% of the US Hispanic Market… At a Fraction Of The Cost!

Strategic Partners

16

□ Esperanza USA and La Luz del Mundo: more than 8 million evangelicals members

□ Catholic and Christian organizations: more than 5 million members.

□ Mexican Federations: with over 2.5 million members

□ Strategic segmentation of databases

□ Events organizations in churches (grassroots)

□ TV, newspaper and digital platforms

□ Outreach to the Hispanic community in all regions

Through strategic alliances with religious organizations and federations, Tú Eres América has the potential to reach over 15

million of Hispanics in the US.

Putting the Jigsaw Pieces Together

17

We have put all the

pieces together to

create a powerful,

successful and

replicable business

Social Impact

Life Improvement

JVs and Strategic

Partnerships

Experienced Management

Customer-Oriented

Team

Maximize possibilities for Hispanics and

Hispanics living in the US

Market and Business Potential

Communication Capabilities and

Reach

Customer-Oriented

Products and Services

Market Needs

Life-Changing Advisory

Dynamic Value Added

Offering

Innovative and Unique Concept

Wide Range of Products and

Services

Customer Satisfaction

Adequate Use of Proceeds

Attractive Projections

Communications & Marketing Strategy

18