Corporate Employee Benefits: Medical Insurance Programme

1. Corporate Employee Benefits:Medical Insurance Programme Benefits Provided by AXA Insurance Singapore Administered by Expat Insurance Pte Ltd

2. Coverage Highlights • Annual Limits of US$1M • No Deductible or Cost Sharing Required by Employee • Global Coverage, excluding treatment in USA • Fully Covered Outpatient Benefits • Dental Benefits for all Staff • Freedom of Choice for Care • Full Coverage for Employee’s Pre-Existing Conditions

4. Dental Benefits* Oral & Maxillofacial Surgery • Surgical removal of impacted/un-erupted teeth and buried teeth (tooth/teeth must be symptomatic or causing damage to an adjacent tooth) • Surgical removal of complicated buried roots (roots must be diseased or causing symptoms, or flap of gum is raised and bone is removed) • Enucleation (removal) of cysts of the jaw • Treatment of cancers • Temporal Mandibular Joint (TMJ)

5. Claims Process Inpatient, Hospitalisation & Surgery Call the 24-Hour Assistance Hotline: 1800 880 8181 or +65 6880 8181 (out of Singapore) Provide the following details: Policy Number, Name of Patient, Date of Birth Name of Hospital, Date of Admission, Attending Doctor/Surgeon

6. Claims Process Inpatient, Hospitalisation & Surgery Logon to: expatinsurance.com.sg/reflectgeo Download & Complete Pre-Authorisation Form Upon approval, AXA will arrange for direct settlement with the Hospital/Provider. *For ease of assistance with Payment Guarantees, consult the International Directory of Hospitals and utilise a preferred provider

7. Claims Process Outpatient Claims Two Options: Visit a Cashless Outpatient Clinic in Singapore Visit a Doctor of Your Choice

8. Claims Process Cashless Outpatient Claims Visit a clinic on the Cashless Billing List Present your medical card at time of visit The clinic will bill AXA directly

9. Claims Process Outpatient Reimbursement Claims Logon to: expatinsurance.com.sg/reflectgeo Download & Complete a Medical Claim Form Post Claim Form & Original Invoice/Receipts to: AXA Health Claims Team 8 Shenton Way, #27-01 AXA Tower, Singapore 068811

10. Claims Process Outpatient Reimbursement Claims AXA will credit your preferred bank account in the currency of your choice. *Note: All claims must be submitted within 60 days of treatment. Timeline: Upon receipt of claim form and receipts by post, AXA will process within three weeks time.

11. Coverage for your Family Reflect Geophyscial will pay 100% of employee premiums. Offshore Employees have the option to add their Spouse and/or Children* to the plan at rates subsidized 50% by Reflect Geophysical. *Children are eligible up to Age 21

12. Premium for your Family For non-USA based family members: For USA based family members:

13. Adding your Family • Two deadlines for addition of your dependents: • 16 January 2012 • 20 February 2012 Send a copy of each family member’s passport to: reflectgeo@expatinsurance.com.sg You will receive a brief Health Declaration to be signed You will receive a confirmation including terms of coverage and medical insurance cards for each member *For Health Declarations received by 20 February, coverage will be back-dated to 1 November 2011 and claims settled accordingly

14. Information Portal Your Personal Portal can be found at: (effective 19 December 2011) www.expatinsurance.com.sg/reflectgeo -Employee Benefit Handbook -Summary of Benefits, Policy Wording & Definitions -Claim Forms -Procedures -Emergency Contact Numbers

15. Questions? +65 6401 9201 reflectgeo@expatinsurance.com.sg www.expatinsurance.com.sg/reflectgeo 20 Upper Circular Road The Riverwalk, #B1-52 Singapore 058416