Page 34 - ASCOT GROUP COMPLETE DOCUMENT (2)

The main reasons we believe Ascot Group will be able to access a significant portion of the market are:

a) A number of the international life companies historically active in the target markets have
pulled out, leaving distributors looking for viable alternative investments.

b) Ascot Group will be paying a rate of at least 0.5% more initial commission than the competitors
remaining in the market. This represents between 12.5% and 25% more commission. To
quantify, payment of an extra 0.5% commission provides an extra $1,125 per policy (based on
an average policy value and term).

c) Ascot Group will not be restricted to paying only 50% of commission earned initially (with the
balance paid out over 5 years) as is currently the position on savings plans in certain Far East
markets.

d) Ascot Group products will be very competitively priced for the client, a fact that will be shown
to the prospective clients through the illustration produced for every application.

e) Loyalty bonus allocations on the life company savings plan will be attractive to clients in the
target markets.

f) The ability to complete the entire take on process online removes the need to travel (to the
broker e.g. Hong Kong or Singapore) to sign up the policy and saves the investor both time and
travel costs. The benefits of being connected on line will continue through the life of the
investment with the client being able to access real time valuations and give switch and
redemption instructions all via the portal.

g) We anticipate that Ascot Group will offer a better performing internal fund range – the
intention is to use only top quality, upper quartile performing funds, managed by the best in
their individual sectors, with generally lower management charges, which Ascot Group hope
will give a better performance overall than competitors.

h) Ascot Group will be supported by a team of experienced, seasoned sales professionals,
dedicated to bringing in business to the Ascot Group.

i) Emerging markets in the Far East and elsewhere, are offering a demographic of newly aspiring,
technologically advanced, social media active, clients keen to embrace financial services
products, looking to the marketplace to satisfy their requirements via contemporary and cost-
effective methods. The social media expertise (provided under contract by WeLife) and
affiliate marketing, coupled with the added assistance given by the Robo Planner (supported
by our own Ascot Adviser) that can be used by both introducers and direct sales to ensure that
the appropriate product and risk profile identified for the client), are, we believe, significantly
ahead of conventional financial services companies in utilising the power of the internet to
draw in business.