1. It's more FUN in Purple Cow! 2012 8pg Dental

3. 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

4. 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. Interactive 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

5. 11 Purple Cow 2012 Benefits 7. Simple adjustment of dentures 2. Reimbursements for seeing your own dentist 2. (2) oral prophylaxes 1. Dental procedures not included in the list of 10 benefits 1. (1) permanent filling 4. Simple tooth extractions if indicated 5. Temporary fillings when indicated 6. Gum treatment except for alveolectomy/gingivectomy 8. Re-cementation of fixed bridges/crowns/jackets/inlays/onlays 9. Treatment of pain/lesions/wounds/burns 1 +Access to HP Dental-accredited clinics in SM, Market 2 , Festival, Robinson’s, Shangrila, and ATC malls. +Dental card and booklet provided, as well as an orientation and an annual utilization report. +Discounts available on procedures not included in the dental HMO plan. Optional Nationwide Dental HMO: +/- P300 Optional Dental HMO benefits are covered on top of Medical HMO benefits EXCLUSIONS HP DENTAL (790 dentists, 659 clinics) +Appointment preferred (unless emergency) 10. Emergency dental procedures if necessary 3. Unlimited consultations 4. Optional Dental HMO (nationwide)

6. 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

7. Optional Dental HMO Network : You can get 1 permanent filling, 2 oral prophylaxes, and 8 other benefits from 790 dentists and 659 clinics nationwide. (Unlike some HMO plans) You can go to SM/ Market 2 / Festival/ Robinson’s/ Shangrila/ ATC 20 Why Purple Cow? Purple Cow 2012 Competitive Advantages