Scope for further value adding products

There is an opportunity in the future to have a APPLELIGHT customer account loyalty card which
will also be an ATM prepaid MasterCard card and Virtual Wallet Card. APPLELIGHT will earn
additional revenue from the prepayment deposits that would have been made via APPLELIGHT. The
APPLELIGHT account will also be able to allow the account holder to do any other transactions via
mobile which will be independent of paying their accounts. In future if a claim is paid into a
MasterCard enabled APPLELIGHT loyalty card, a customer can then start carrying out transactions
that are of a pure MasterCard nature such as purchasing items via the internet.

4.3 Value to Company

 The partnership arrangement will allow company to tap into an organised large customer base
which will inevitably lead to stable increased premiums and profitability.

 Company will be managing and diversifying business risk associated with Hospital Cash Plan
product.

 Increase in Hospital Cash Plan product awareness.

 The partnership is a stepping stone towards future joint product development initiatives
between Company and APPLELIGHT.

4.4 Value to APPLELIGHT account holders

 A funeral policy that comes with a Cash payout benefit. $200 per adult and $150 per child a
day on top of funeral assurance cover is the best deal ever. Additional income to meet
incidentals associated with hospitalisation is an offer no one will resist. The peace of mind
associated with such an arrangement will help a patient to get well faster and not to worry
about their financial predicament.
 One stop shop. APPLELIGHT policyholders will be able to enjoy these benefits all in one.
 Well packaged APPLELIGHT policy, a combination of APPLELIGHT’s superior service and
Hospital Cash Plan benefits is second to none and a first of its kind in the country.
 Easy premium payments. APPLELIGHT clients will not incur any further costs in transaction
fees in paying premiums for Hospital Cash Plan.

5. Value to Company and Group customers

 A bank account that comes with Hospital Cash Plan and APPLELIGHT Funeral Cash Plan
benefit
 A well packages Company Bank account –the combination of a bank account services and
APPLELIGHT Funeral Cash Plan is second to none in the country
 Well packaged insurance products
 One stop shop benefits