Page 18 - ASCOT GROUP COMPLETE DOCUMENT (2)

1. Reduces fees and makes the underlying products very competitive

2. Reduces fees and ensures a better deal for the client

3. Provides financial planning to lower income investors where traditionally there is an advice
gap

4. Allows Ascot Group to lower minimum contribution amounts because everything from start to
finish is digital and automated

Distribution Disruption

Ascot Group has developed an agile distribution strategy designed to meet the needs of differing
markets and customer expectations - whilst planning for the trajectory of company growth and
expansion. With 90% of those in emerging marketing having access to some form of digital media - and
65% of those resident in developing markets owning a smartphone, we have created a technology
vehicle and marketing strategy designed to deliver a highly desired product to a market hungry to
protect, invest and secure its new found wealth.

This includes having developed innovative strategies for both the ‘traditional distribution’, ‘online
marketing’ and ‘peer to peer introductions’ that are able to be effectively scaled with sustainable
margins, whilst concurrently targeting the emerging markets and the millennials in the developed
markets.

Life and wealth products have traditionally been 'sold' through distribution outlets such as career
agents, financial advisors, and insurance brokerages. This model still prevails in emerging markets
where commission is king. Ascot Group has been able to take advantage of this by using our online
platforms and administration systems that have streamlined operations for both Ascot and the
distributor - significantly reducing overheads allowing for Ascot Group to increase commissions and
remunerations whilst reducing fees for the policyholder.