FMO.io Pitch Deck FMO.io All Rights Reserved

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1 FMO.io Pitch Deck 1

2 Insurance Agency Tech Is Obsolete 90% of Insurance Agents are unsuccessful due to antiquated systems Agents are having a hard time organizing necessary paperwork to contract with outside carriers Agents have a hard time organizing, tracking, and keeping compliant their downline business Leading insurance companies are using data and analytics not only to improve their core operations but to launch entirely new business models McKinsey & Co., October

3 Lead Generation Is Ineffective Insurance Agents only take 2-4 meetings per week Companies are not effectively distributing Consumer Data for lead generation Antiquated lead generation systems such as cold calling, door knocking, friends and family 3

4 Consumer Choices Are Limited Consumers are left to choose products from a limited selection of companies Consumers are comparing products from different companies using various internet based tools Many consumers sold the wrong products at the wrong time 4

5 Industry Fails Agents in 90% of Cases COLD CALLING QUICK FACT: FAMILY & FRIENDS insurance agents 348,000 DOOR KNOCKING Insurance Agents, Brokers, Service Professionals in US consumers Source: Bureau of Labor Statistics 5

6 Blockchain Solves Inherent Problems QUICK FACT: Trusted Data eliminate duplicate leads Less Time Wasted selling to the right lead Only 13% of businesses describe their lead generation as very successful Salesforce.com More Deals higher success rate 6

7 Insurance Agents On FMO.io Blockchain Aggregate top contracts with every Insurance and Annuity Company Partnered with top Technology Independence Groups Building the most advanced technologies that specifically help an Agent or Agency Market Has all data and modeled predictive algorithms to link Insurance Agents with Consumers in need + Blockchain technology can track, organize, and verify client for compliance + Effective distribution of leads so that there is not double spend + Machine Learning connects token holders with the exact person they have the highest mathematical probability of selling to 7

8 FMO.io Based on AI conversion Ethereum Blockchain Network Leads (Client Data) Unique lead data Unique lead data Unique lead data The value of is guarenteed by Smart Choices Insurance Agent Smart Contract Clients (Buyers of insurance) The is based on Predictive Based Algorithms that analyze Agents or Agencies selling trends and then connect the Consumer to the Agent that would most mathematically sell to them. s allows Insurance Agents to be more successful with their downline businesses, by buying tokens, they target more leads and sell more insurance products 8

9 Market Opportunity $1.1 tn Insurance Premiums Total Addressable Market $22 bn 20% of Premiums Serviceable Addressable Market QUICK FACT: Only 65% of married persons with dependents have a life or annuity policy McKinsey & Co. (2017) 9

10 Technology Driving Growth QUICK FACT: Over 27% of life insurance customers and 33% of baby boomers now communicate with their life insurer via digital channels Source: National Association of Insurance Commissioners JD Power, October

11 FMO.io Business Model $22 bn Insurance Premiums Agents on FMO.ai 20% of Market $x Price Per $ Paid Per Lead Package $m Price Per FMO.io Revenue by 2021 FMO.io earns a commission on each insurance product sold to the lead 11

12 FMO.io Competitive Advantages First To Market Connecting Agents with Consumers Connect As many leads as possible Technology Agents guaranteed access to highly valued leads Profiles Verified consumer profiles on blockchain QUICK FACT: The coming year will be a year of continued disruption for the US life-annuity insurance market. The industry will remain in flux as customer demands evolve, digital technology advances and InsurTech innovation gains momentum. Ernst & Young (2018) 12

13 Roadmap / Timeline FMO.io is looking for 12 months of financing to build the platform and start selling tokens 13

14 Exceptional Team with Domain Expertise Jacob Alphin, Founder & CEO was formerly top 1% of Advisors in the country at New York Life. He was the youngest agent in the country to qualify for their Chairman s Council Award. Here Mr. Alphin held a Series 7, Series 66, and Life, Health, and Annuity licensing. Mr. Alphin next served as Vice President in charge of a Mass Mutual General Agency with ~1B in AUM and ~4.3B in Insurance benefit across ~19,000 clients.. Jacob Alphin also served as CEO of Rillhurst Capital founded 2.5 years ago as a successful Independent Agency that has hired over 50 agents, using data for client acquisition. Nima Veiseh, Design researches and solves problems at the intersection of technology, economics, and public policy. He is a doctoral researcher at The George Washington University, and has degrees from Columbia University, Georgetown University and the Massachusetts Institute of Technology. Dan Bauer, Strategy is an advisor and board director to a number of early stage startups in the IoT and block chain space. Dan has been a founder and senior corporate executive in IoT, mobile data services, and financial technologies for almost 20 years. Dan has previously worked at executive level at Hutchison Telecom, NCR, and most recently as CSO at Hubble, Motorola s Smart Home business. Dan was previously cofounder of Lusora Healthcare Systems, as well as part of the management team at Quartez, sold to Mirror Group Newspapers. Dan graduated with an MBA from Said Business School at the University of Oxford. 14

15 FMO.io Technical Diagrams FMO.io FMO.io All All Rights Rights Reserved Reserved

16 FMO.io Ecosystem Overview Appendix s directly assign the ideal Insurance Agents with consumers in immediate need Agent 1 Agent 2 Agent 3 Agent 4 Purchase Insurance Product 1 Insurance Product 2 Instant approval of insurance products Client 1 Client 2 Client 3 Client 4 Downhill business FXM s help Agents with the organization of their downline business using blockchain Each FXM prevents fraud and makes sure there is no double spend from the lead FMO Platform Ethereum Blockchain Network Client data is stored in the blockchain and Client-Agent agreement is mutually-binding and protected by Smart Contract 16

17 Economics Appendix are unique and secure storage of Client data allow secure and and easy transfer of value Platform Ethereum Network Blockchain FMO Platform Leads Client 1 Client 2 Client 3 Client 4 Agent 1 Agent 2 Agent 3 Agent 4 Insurance Products Smart Contract Smart Contract Smart Contract The ensures that Agent-Consumer relationship is tied by mutually binding Smart Contract, which cannot be reversed by either party and make all parties absolutely compliant to their terms and conditions 17

18 FMO.io Power Filtering Appendix Connect Agents to 250m+ consumers in America with Power Filters QUERY CONSUMERS Agent Portal Filtering Filter 250m+ Consumer Records Across America Matched Consumer(s) Agent Portal Results 18

19 FMO.io Warm Lead Flow Appendix Analyze data trends to prioritize leads to agents Matched Consumer QUERY CONSUMERS Analyze trends in 300+ Data Points Agent Portal Filtering Filter 250m+ Consumer Records Across America Target Profile Prioritize Consumers Target Consumer (s) Agent Portal Results 19

20 FMO.io Hot Lead Flow Appendix Find Consumer White Label Consumer Portal Find Consumer Analyze trends in 300+ Data Points Location Income Find Needs Net Worth Occupation Find Like Property(s) Job Change Analyze trends in 300+ Data Points Target Profile Prioritize Consumers Target Consumer(s) Agent Portal Results Location Income Net Worth Occupation Job Change 20

21 Match Leads with Relevant Agents Appendix Consumers with Needs Find Like Consumer(s) White Label Consumer Portal Location Income Location Income Net Worth Occupation Find Needs Net Worth Occupation Job Change Job Change Target Profile Agent Portal Results Analyze trends in 300+ Data Points Analyze Agent vs Consumer trends Consumers with Needs Target Consumer Agent Location Income Net Worth Occupation Job Change Build Profile Agent Profile Agent Relevant Consumers Sales Records ity Property Type 21

22 Reward System Appendix Machine Learning and AI Technology Agent 1 Agent 2 Agent 3 Agent 4 Downhill business Both Parties rewarded by mutually-binding and non-reversible Smart Contracts Client 1 Client 2 Client 3 Client 4 Smart Contracts Rewards Clients with best practices Rewards Agents with the ideal Client Insurance Product 1 Insurance Product 2 22

23 Contact FMO.io Web: Connect with FMO.io Linkedin: Linkedin.com/fmo-io 23