Page 19 - ASCOT GROUP COMPLETE DOCUMENT (2)

With many cross-border multinationals withdrawing services from the emerging markets to focus on
domestic market opportunities, a significant supply shortage, along with increased commissions has
seen Ascot Life easily partner with a number of well-established distributors – ensuring a stream of
policies from around the world.

Bridging the gap with a digital platform allows Ascot Life to retain customers and obtain future
opportunities for untapped markets. Partnerships with non-traditional distributors, such as digital
entrepreneurs or peer to peer introduction channels will expand potential markets and address
customer experiences.

Affiliate Marketing

By combining FELIX with an Isle of Man authorised life company, Ascot Group can accept business
throughout the world via the internet. This opens up additional avenues of distribution that have
previously not been available to banks, life companies and investment houses.

Ascot Group will be implementing affiliate marketing models, predominantly targeting online
companies & online influencers. FELIX will be advertised on the website of the online company and in
the best-case scenario actively recommended to their subscribers as free financial planning.

Most online companies are looking to monetise their traffic and client base, and in many cases they
will look to generate revenues through directly, or indirectly, marketing products with an affiliate
agreement in addition to their own products and services. These businesses are continuously looking
for new opportunities and depending on the number of subscribers and strength of their relationships
with their users (and therefore the influence and impact), will seek remuneration accordingly. Given
the level of margins in our product, we anticipate that Ascot Group will be able to agree a ‘profit-
sharing’ (commission) arrangement that will be greater than the norm in the affiliate arena, ensuring
numerous partnerships from launch.

The affiliate model should also allow Ascot Group to reduce the fees in the products by up to 50% (it
is common place to compare fees with other providers in the marketing materials) as we will not need
to pay a financial adviser in the middle - thus allowing the affiliate company to promote our products
whilst also adding value to their users.