1. LocusT
   1. D2W campaign to continue (To end by
      1. Budget RM1500
      2. Invinity Company for campaign
   2. To start 'Remortgage' campaign
      1. Budget RM1500
      2. Fintos company for campaign
      3. Debt Consolidation
         1. Ability to generate higher property valuation
         2. Bad record/ AKPK/ High DSR ability to assist refinancing with bank
         3. Resolve bad debt through property's appreciation
         4. Advice provided by Certified Financial Coach with more than 10 years experience from banking
         5. Ruby as Co-founder and ambassador
         6. Create a personalized financial profile during a complimentary initial consultation
         7. Free property valuation 'check'
         8. Fintos to provide
            1. Yellow Basket (Veanne & Chong)
            2. 2012
            3. Salary RM5,000
            4. Housing Loan RM350,000 (RM1,400) - 35 years
            5. 2012 to 2023
            6. Car Loan RM100,000 (Commitment RM1,500)
            7. Personal Loan RM150,000 (Commitment RM2,000)
            8. Credit card RM50,000 (Commitment RM2,500)
            9. Situation - Total commitment RM7,400 (negative cashflow)
            10. 2023
            11. Salary RM8,000
            12. REFINANCE - Property value increase to RM700,000 - refinance 90% property value to debt conso all above loans
            13. New commitment - RM3,325 (reduction of RM3,075) initial RM7,400
            14. Situation - positive cashflow
            15. Summary after debt conso
            16. Achieved improved financial position through debt consolidation to reduce interest and commitment. Opportunity for savings & reinvestments
2. Ambassador (Ruby)
   1. Chong
   2. Veanne
   3. Wong
   4. Mena
   5. Establish good reputable profile write up and photo
3. Strategic Marketing Partner
   1. iMoney
      1. Debt Consolidation (Existing)
         1. iMoney (Debt Consolidation)
            1. Replace Fintos Logo with Fintos Financing (Invinity)
         2. To improve with focus on following points
            1. Reduce monthly commitments & interest
            2. Clean previous bad records
            3. Improved financial standing for future loan applications
      2. Referral Program with banks
         1. Mortgage Loan
            1. HSBC
         2. Personal Loan
         3. Reversed submission (iMoney to submit application for FINTOS) - Commission from iMoney
      3. Promotion of FINTOS Credit Score Report
         1. To allow Fintos appear at iMoney lead generation form
         2. To assist in filtering bad credit score clients to imoney
         3. For bad score clients, it will be referred to Fintos Advise to improve credit score before resubmitted back to iMoney
         4. FINTOS IT to design backend system for above service
      4. Monetizing iMoney existing database with poor credit score
         1. Require further indepth discussion
   2. Ringgit Plus
      1. Require further indepth discussion
4. Affiliates (GP sharing)
   1. FINTOS Marketing Strategy (KJ)
      1. Campaign Specialist
         1. MyAzharra (30% gross profit sharing)
            1. Social media marketing
      2. Influencer
         1. JJ Partner
            1. Amoi Finance
      3. Telemarketing
         1. MU (50% gross profit sharing)
5. Internal Marketing
   1. Fintos Branding For Group
      1. FVG
      2. Fintos Advise (Co-Founder & Ambassador -Ruby)
         1. Fintos FB, IG & Linkedin Management
            1. Objective present good company image and working environment
            2. Key Result
            3. Content Planning & Guideline
            4. Management activities (ie CEO conversation, management discussion session, group recreation & fun activities)
            5. Team
            6. Kar Jin (Planning & Approval)
            7. Soo Wee & Vinny (Execution)
   2. Leads Campaign
      1. SEO
         1. Traffic generation to website
      2. FB & IG
         1. Campaign
            1. Refinancing
            2. Debt Consolidation
            3. Business Owner cash-out for business
            4. Retirement Plan
            5. Cash-out for second home investment
            6. D2W
         2. Articles
            1. News
            2. Educating (Financial Planning)
         3. Advertisement
            1. Latest promotions
            2. Bank
            3. Developer
   3. Website
      1. B2B
         1. Solution
            1. Tech
            2. Fintos Credit Administration OS
            3. Fintos Mortgage Eligibility OS (iM2U)
      2. B2C
         1. Service
            1. Loan
            2. Fintos Scoring Report
            3. Refinancing
            4. Personal Loan
            5. Next Phase
            6. SME Loan
            7. Next Phase
            8. Mortgage Loan
      3. Tools
         1. Calculator
            1. Mortgage Loan Eligibility
            2. Income
            3. RM5,000
            4. To show only top 5 banks
            5. Maybank Eligibility RM350,000
            6. CIMB Eligibility RM450,000
            7. MBSB Eligibility RM500,000
            8. RHB Eligibility RM250,000
            9. AMBank Eligibility RM300,000
            10. Compare above interest
            11. Apply and Leads flow to iM2U
            12. Application Form
            13. Requirement
            14. tick
            15. Salary Earner
            16. Self Employed
            17. Commission earner
            18. Government Servant
            19. Business Owner
            20. Others
            21. To remove KPKT image
            22. To get CTOS consent to include logo
            23. Review T&C
            24. Refinance Loan Eligibility
            25. Income
            26. RM5,000
            27. Latest property value
            28. RM500,000
            29. Latest outstanding amount
            30. RM200,000
            31. Result
            32. To show only top 5 banks
            33. Maybank Cash-out Eligibility RM150,000
            34. CIMB Cash-out Eligibility RM250,000
            35. MBSB Cash-out Eligibility RM200,000
            36. RHB Cash-out Eligibility RM50,000
            37. AMBank Cash-out Eligibility RM100,000
            38. Compare above interest
            39. Apply and Leads flow to iM2U
            40. Application Form
            41. Requirement
            42. tick
            43. Salary Earner
            44. Self Employed
            45. Commission earner
            46. Government Servant
            47. Business Owner
            48. Others
            49. To remove KPKT image
            50. To get CTOS consent to include logo
            51. Review T&C
            52. Property Income Required
            53. Property Price
            54. RM500,000
            55. Loan Margin
            56. 90%
            57. Result
            58. To show only top 5 banks
            59. Maybank Income Required RM5,000
            60. CIMB Income Required RM4,000
            61. MBSB Income Required RM4,500
            62. RHB Income Required RM3,000
            63. AMBank Income Required RM3,000
            64. Compare above interest
            65. Apply and Leads flow to iM2U
            66. Application Form
            67. Requirement
            68. tick
            69. Salary Earner
            70. Self Employed
            71. Commission earner
            72. Government Servant
            73. Business Owner
            74. Others
            75. To remove KPKT image
            76. To get CTOS consent to include logo
            77. Review T&C
         2. Application Journey
            1. from iMoney
         3. FINTOS Mortgage Credit Score Report
            1. Register User (one-time)
            2. Name, IC, Contact (hp), Email
            3. Input Gross Income
            4. tick
            5. Salary Earner
            6. Self Employed
            7. Commission earner
            8. Government Servant
            9. Business Owner
            10. Others
            11. Facial recognition (Identity verification)
            12. Generate report (Free for first-time login)
            13. Review T&C
            14. Payment gateway (subsequent report)
            15. RM36.00
6. Advertising Plan
   1. Fintos company for campaign
      1. Debt Consolidation
         1. Ability to generate higher property valuation
         2. Bad record/ AKPK/ High DSR ability to assist refinancing with bank
         3. Resolve bad debt through property's appreciation
         4. Advice provided by Certified Financial Coach with more than 10 years experience from banking
         5. Ruby as Co-founder and ambassador
         6. Create a personalized financial profile during a complimentary initial consultation
         7. Free property valuation 'check'
         8. Develop Video through external production
            1. Yellow Basket (Veanne & Chong)
            2. 2012
            3. Salary RM5,000
            4. Housing Loan RM350,000 (RM1,400) - 35 years
            5. 2012 to 2023
            6. Car Loan RM100,000 (Commitment RM1,500)
            7. Personal Loan RM150,000 (Commitment RM2,000)
            8. Credit card RM50,000 (Commitment RM2,500)
            9. Situation - Total commitment RM7,400 (negative cashflow)
            10. 2023
            11. Salary RM8,000
            12. REFINANCE - Property value increase to RM700,000 - refinance 90% property value to debt conso all above loans
            13. New commitment - RM3,325 (reduction of RM3,075) initial RM7,400
            14. Situation - positive cashflow
            15. Summary after debt conso
            16. Achieved improved financial position through debt consolidation to reduce interest and commitment. Opportunity for savings & reinvestments
      2. Retirement Planning
         1. Green Basket (Salaried 55YO - Retirement Cashflow Plan) Persona : Father - Home outstanding 15Y RM00,000 (Ken Saw & Jason)
            1. 2002
            2. Housing Loan RM200,000 (RM851.00@4.1%) - 35 years (outstanding RM110,000 (20Y later)
            3. 2023
            4. Son 28YO Working
            5. 2023
            6. REFINANCE By Son - Property value increase to RM600,000 - refinance 90% property value (Loan amount RM540,000 less outstanding RM110,000) cashout RM430,000
            7. New Commitment
            8. Remortgage commitment - RM2,560 (RM540,000 - 35Y@4.0%)
            9. Summary
            10. Generated retirement cashflow for the father
            11. Potential investment structure FD (50%), Bluechip (40% - average 8% gain (capital & dividend), Savings Account (10%)
            12. Projected 1st year
            13. FD RM7,525 (RM215,000@3.5%)
            14. RM 13,760 (RM172,000@8%)
            15. Total = RM21,285 Per annum
            16. To include separate table calculation with objective of presenting an extended retirement cashflow for the father
      3. Refinance cashout for Business
         1. Green Basket (Salaried, seeking capital RM300,000 for business start-up) Options A Personal Loan (8%-7Y) Option B SME Loan (7% -5Y) (Chong & Liz)
            1. 2012
            2. Salary RM5,000
            3. Housing Loan RM350,000 (RM1,400) - 35 years (outstanding RM260,000)
            4. 2012 to 2023
            5. Car Loan RM100,000 (Commitment RM1,500)
            6. Situation - Total commitment RM2,900 (positive cashflow)
            7. 2023
            8. Salary RM8,000
            9. REFINANCE - Property value increase to RM700,000 - refinance 90% property value (Loan amount RM630,000 less outstanding RM260,000) cashout RM370,000
            10. Comparison
            11. Remortgage commitment - RM1,995 (RM370,000 - 25Y@4.2%)
            12. Personal Loan commitment RM6,800 (RM370,000 - 7Y@8%)
            13. SME Loan commitment RM8,325 (RM370,000 - 5Y@7%)
            14. Summary
            15. Reduced long-term risk amid uncertain business profitability
            16. Increased personal cashflow (lower monthly commitment)
            17. Lowest possible interest rate
      4. Out of Bankruptcy
         1. Orange Basket
         2. Pink Basket
7. Sales & Marketing (GM)
   1. Marketing Manager
      1. Executive - Key Account Management (Affiliate)
         1. MyAzzhara
         2. MU
         3. LocusT
      2. Executive - Leads Generation (Digital)
         1. Internal
         2. Content & leads management
      3. Executive - Research & Promotion
         1. Competitor analysis
         2. B2B & B2C promotion
         3. Pricing Strategy
      4. Executive - Branding & Communications
         1. Social Media Activities
         2. Development of content
         3. Corporate communication
   2. Business Development Head
      1. Manager - B2B Sales
         1. Online subscription
         2. Offline subscription
      2. Manager - Projects
         1. Developer
         2. Corporate sales
   3. Sales Head
      1. Hub Manager
         1. Sales Manager
            1. Executive x 5
      2. Hub Manager
         1. Sales Manager
            1. Executive x 5
         2. Sales Manager
            1. Executive x 5
      3. Telemarketing Manager
         1. Telemarketer
8. Marketing Investment allocation RM0.7mil
9. Breakdown
   1. Headcount = RM0.35mil
   2. Advertisement = RM0.35mil
   3. Objective to achieve KPI
10. KPI
    1. Fintos Advise
       1. RM 14mil
          1. RM1.4mil (10%)
    2. Fintos Tech
       1. RM 9mil
          1. RM 0.9mil (10%)
11. Operations Support
    1. Operations Manager
       1. Executive
          1. Compliance SOP
          2. Loan TAT Collection
          3. Legal Fee
          4. Insurance
          5. Commission Management
          6. Invoicing