The document describes the benefits offered by Purple Cow in 2012, including life insurance, accident insurance, medical HMO, optional dental HMO, and optional annual physical exam. Key benefits are accidental death coverage up to 5 times monthly basic limit, terminal illness coverage up to 50% of life insurance, and access to major hospitals. The annual physical exam can be customized and includes options for a mobile exam or clinic. Employees have access to benefits through an online portal and mobile access.

1. It's more FUN in Purple Cow! 2012 7pg APE

2. 1 Purple Cow 2012 Benefits ACCIDENT 2. ACCIDENT INSURANCE a. Accidental Death * Murder b. Accidental Disablement * Assault HEALTH 3. MEDICAL HMO * 19,401 MD, 382 hospitals, 426 clinics 4. Opt. DENTAL HMO * Basic 10: 790 dentists, 659 clinics 5. Opt. Annual Physical Exam * Basic 5: mobile or clinic 6. Health & Wellness Program * up to 2x/yr; tailored to utilization report LIFE 1. LIFE INSURANCE * Terminal Illness Rider * Total & Perm Disability Income LIFE – ACCIDENT – HEALTH Benefits Overview

3. 2 Purple Cow 2012 Benefits 18. Pooled Employee utilization 6. Accidental Disablement = __% of 5x MBL 13. Access to Big 5 Hospitals & Healthway 1. Life = 5x MBL 23. Same benefits for Dependents 11. HMO patient for no-cash-out 24. Access through Social Media 12. Private patient for reimbursement (HMO rate) 14. 100% Pre-Existing Conditions coverage 2. Terminal Illness = up to 50% of 5x MBL 20. Opt. Dental = HMO buffet of benefits 8. Medical = HMO buffet of benefits 22. Health & Wellness Program (up to 2x/yr) 21. Opt. APE = choice of mobile or clinic 19. Separate Dependent utilization 17. Benefits on top of Philhealth 16. 100% Special Procedures coverage 15. 100% Congenital Conditions coverage 10. Max. Benefit Limits per disability per year 9. Combined inpatient & outpatient limits 7. Assault = __% of 5x MBL 5. Murder = 5x MBL 4. Accidental Death = 5x MBL 3. Total & Perm. Disability Income = 5x MBL LIFE – ACCIDENT – HEALTH Benefits Summary

4. 12 Purple Cow 2012 Benefits 2. Chest X-Ray 3. CBC Basic 5 4. Urinalysis 5. Fecalysis Optional APE: +/- P400 or P500 (for mobile or clinic APE) EXCLUSIONS VARIOUS (mobile or clinic) Optional APE benefits are covered on top of Medical HMO benefits +The Annual Physical Exam (APE) is a diagnostic tool, not a cure for sickness or accident. Results can serve as a baseline for referral to specialists who can authorize tests and/or prescribe further treatment. +By appointment only, 30 days in advance. +Pay as you go, so you don’t lose it if you don’t use it (don’t pay in advance, as payment is not transferable). +Call Lala Perido at GRA to help design, source, price & schedule your APE during the year [888-0001 x835]. 1. APE procedures not included in the Basic 5 APE plan 1. Physical examination 5. Optional Annual Physical Exam

5. 3 Major Employee Benefits in 1 Plan: You get Group Life, Accident & Health (medical HMO, optional dental HMO, optional APE, and Wellness) – all in 1 plan. (Unlike most HMO plans) You get all the Employee Benefits you will ever need 3 Why Purple Cow? Purple Cow 2012 Competitive Advantages

6. Optional Annual Physical Exam : You can order a Basic 5 APE or customize your APE; you can choose a nearby clinic for your staff or request a mobile APE. (Unlike some HMO plans) You can decide if you want an APE, and if so, what kind 21 Why Purple Cow? Purple Cow 2012 Competitive Advantages