The document summarizes an employee benefits package called Purple Cow that provides comprehensive and affordable health, life, and accident insurance. Key features include group insurance benefits for all staff and dependents, the lowest rates for the most common coverage levels, and flexibility for companies of all sizes to join. Purple Cow aims to increase employees' financial security through equal access to benefits.

1. Employee Benefits for SME the short version

2. Mo o ! Mo o ! 1 “ What is a Purple Cow ?” A unique product that stands out in the field. Gotuaco’s Purple Cow is a unique Healthcare product that stands out in the field of EMPLOYEE BENEFITS.

3. 2 The Purple Cow Vision: financial security through employee benefits. Purple Cow believes that financial security can be achieved through equal access to employee benefits. The Purple Cow Mission: to protect employees from financial insecurity. Purple Cow provides you with many layers of protection, to stop you from losing money to medical emergencies. The Purple Cow Core Value: take care of the hands that take care of you! Purple Cow believes in helping those who help you grow: if not thru more compensation , then thru more benefits.

7. What are Employee Benefits (EB) ? EMPLOYEE BENEFITS are incentives given to employees as part of an overall HR strategy to recruit or retain them. EB can help you win the war for talent 1 Purple Cow 2011 EB Primer

10. 1 Purple Cow 2011 Benefits ACCIDENT 2. ACCIDENT INSURANCE a. Accidental Death * Murder b. Disability * Assault HEALTH 3. MEDICAL HMO * 21,519 MD, 352 hospitals, 358 clinics 4. DENTAL HMO * 775 dentists, 645 clinics 5. Opt. Annual Physical Exam * 124 hospitals, 241 clinics, 31 mobile 6. Health & Wellness Program * 2x/year; tailored to utilization report LIFE 1. LIFE INSURANCE * Total & Perm. Disability Income LIFE – ACCIDENT – HEALTH Benefits Overview

11. 2 Purple Cow 2011 Benefits 18. Dental = HMO (775 dentists / 645 clinics) 6. Assault = __% of 5x MBL 24. Same benefits for all Dependents 23. Same benefits for all Employees 22. Health & Wellness Program 2x/year 21. Opt. APE = designated or mobile clinic 20. 1 permanent filling, 2 oral prophylaxes, etc. 19. Dental access to major malls in Metro-Manila 17. Opt. Outpatient Reimb. for meds, dental, vision 16. Special procedures = 30%/100% of MBL 15. Benefits on top of Philhealth 14. 100% Congenital Conditions coverage 11. HMO patient for no-cash-out 10. Max. Benefit Limits per disability per year 12. Private patient for reimbursement (HMO rate) 13. 100% Pre-Existing Conditions coverage 9. Combined inpatient & outpatient limits 8. Access to Big 5 Hospitals & Healthway 7. Medical = HMO (21,519 MD / 352 hospitals / 358 clinics) 5. Accidental disability = __% of 5x MBL 4. Murder = 5x MBL 3. Accidental death = 5x MBL 2. Total & perm. disability income = 5x MBL 1. Life = 5x MBL LIFE – ACCIDENT – HEALTH Benefits Summary

12. 1 Purple Cow 2011 Costs VIRGIN RATES Cost Summary (APE & O/P Reimb. extra) 3,281 9,188 17,391 32,813 3,054 8,550 16,184 30,536 200T 2,672 7,483 14,164 26,724 160T 1,304 3,651 6,912 13,041 70T 618 1,729 3,273 6,176 30T 1,347 3,772 7,140 13,472 80T 680 1,903 3,601 6,795 40T LRG PVT (Top rank Med co 100-200) SEMI PVT (Spvr) 1,573 4,403 8,335 15,726 80T 676 1,892 3,581 6,756 30T 1,683 4,711 8,918 16,826 100T 742 2,076 3,930 7,416 40T 1,844 5,164 9,775 18,444 120T 812 2,274 4,305 8,122 50T 120T JR SUITE (Top rank Large co 200+) 879 2,460 4,657 8,787 40T SML PVT (Mgr) 951 2,664 5,042 9,513 50T 1,032 2,890 5,471 10,323 60T 1,199 3,356 6,352 11,985 60T REG PVT (Top rank Small co 10-100) 545 1,525 2,886 5,445 20T WARD (R+F) MO QTR SEMI ANN MBL R&B MO QTR SEMI ANN MBL R&B

13. 3 Purple Cow 2011 Costs NON-VIRGIN RATES JR SUITE (Top rank Large co 200+) SML PVT (Mgr) 3,662 10,253 19,408 36,618 200T 1,140 3,191 6,039 11,395 60T Cost Summary (APE & O/P Reimb. extra) 3,423 9,583 18,139 34,225 3,005 8,415 15,928 30,052 160T 120T 1,449 4,056 7,678 14,487 70T 677 1,896 3,588 6,770 30T 1,492 4,179 7,910 14,924 80T 743 2,079 3,936 7,426 40T LRG PVT (Top rank Med co 100-200) SEMI PVT (Spvr) 1,754 4,911 9,296 17,540 80T 744 2,084 3,945 7,444 30T 1,869 5,233 9,906 18,691 100T 815 2,281 4,317 8,146 40T 2,044 5,724 10,835 20,444 120T 890 2,493 4,719 8,903 50T 974 2,727 5,161 9,738 40T 1,052 2,945 5,575 10,518 50T 1,332 3,731 7,062 13,324 60T REG PVT (Top rank Small co 10-100) 599 1,677 3,175 5,990 20T WARD (R+F) MO QTR SEMI ANN MBL R&B MO QTR SEMI ANN MBL R&B

17. 1 ‘Large’ Size Fits All SME : If you are an SME, with 10+ employees, you can join Purple Cow, be part of a bigger group, and be treated like a large company. (Unlike most HMO plans) You can enjoy the same toys as the Big Boys 1 Competitive Advantage #1: Purple Cow 2011 Why Purple Cow?

18. Same Benefits for Dependents : Dependents can get the same benefits, terms and conditions as Employees (as well as the same costs in 2011). (Unlike most, if not all, HMO plans) Your Dependents are treated like Employees 19 Purple Cow 2011 Why Purple Cow? Competitive Advantage #19:

19. The Price is Right : Purple Cow rates are lowest where they matter the most: in the 2 lowest categories, where you enroll up to 90% of your staff. (Unlike most HMO plans) You get the greater good for the greater number 20 Purple Cow 2011 Why Purple Cow? Competitive Advantage #20:

20. The Design is Right : Purple Cow provides medical necessity, not luxury. Savings from excess R&B/MBL are reallocated to benefits of greater use. (Unlike most HMO plans) Your R&B/MBL combos are good up to 99% of the time 21 Purple Cow 2011 Why Purple Cow? Competitive Advantage #21:

21. 31 Purple Cow 2011 Why Purple Cow? Non-Employees can Win, too : you can even cover agents, associations, and multi-purpose cooperatives, as long as certain selection & payment criteria are met. (Unlike most HMO plans) You can offer Employee Benefits to Non-Employees Competitive Advantage #31:

22. Virgins can Win Even More : you get a 1 st year Virgin promo rate if your company has never had group insurance or HMO before. (Unlike all HMO plans) You can renew at the prevailing Non-Virgin rates in 2012 32 Purple Cow 2011 Why Purple Cow? Competitive Advantage #32:

23. Large Companies can do a TPA : if you become a Large Company, you can self-insure as a stand-alone account, using the same Purple Cow schedule of benefits. (Unlike all TPA plans) You can switch from insured to self-insured plans easily 33 Purple Cow 2011 Why Purple Cow? Competitive Advantage #33:

24. For more information, please visit www.purplecow.ph , … or contact Tom Gotuaco via email or mobile phone.

25. Renowned author Seth Godin approved my use of the term PURPLE COW (2/4/09): “ It’s fine with me, just please make it clear that I haven’t endorsed your service .” Disclaimer