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The Expat Health Insurance Scarcity in Thailand Ever found yourself looking for a needle in a haystack? You’ve heard it’s out there somewhere, you have no idea where to begin though, and you’ve only got a general idea of what it actually looks like… If you’re a foreigner living and working in Thailand and you’ve tried to find suitable and affordable insurance options, you’ll sympathize with this scenario. You know it exists, the notion of insurance is not a new concept to the world, but no package fits quite right. It would be nice to look to your employer to help you out in this kind of situation, right? Except… Many companies, both Western and Thai who hire in the country, only provide employee benefits that work in line with the Social Security Fund under Thai law. Firstly though, you must contribute for a minimum of three months before you can avail yourself of “free medical care” and even that is only for certain registered hospitals. Secondly, only limited personal health insurance is included as part of the Social Security program. For many expats living and working in Thailand, this coverage is insufficient for potential needs. More comprehensive insurance packages aren’t even on many business’ radar as an appropriate employee benefit. Decent expat insurance in Thailand can practically become a luxury purchase. Bupa Global, Cigna Global, and integraGlobal (for example) seem largely aimed at above average pay brackets. Which makes health coverage inaccessible for those earning hourly working salaries. Affordable health insurance is not always an option, and if you can afford it, it can be a heavily bureaucratic ordeal to wade through. But wait. There are public health facilities in Thailand, right? And yes, it’s true. It’s possible to get decent medical services without insurance, but such government-funded hospitals are typically crowded, which means waiting times can be long. Plus, the best doctors tend to practice in private hospitals rather than public facilities. Government hospitals also tend to lack the latest medications and be manned by doctors and nurses fresh from university too. So, we’re back to hunting for that needle in a haystack that is appropriate coverage for your circumstances. Travel insurance only tends to work for a limited amount of time, and typically your origin country needs to be your dominant address for liable cover. So, no good if you’re actually living and working in Thailand full time. Many foreigners recognize that Social Security, if they’re lucky enough to even have this as a baseline, just isn’t going to cut it long-term. Moreover, aside from worry-free surgeries, having appropriate insurance removes half the anxiety of going into a hospital. So, what to do? Well, there’s a new option on the market. Recognizing that a large portion of its audience is missing out on options in this space, specially licensed non-bank entity DeeMoney has teamed up with AXA Thailand to offer registered members one month of free coverage when they make a minimum transfer once a month—talk about effortless! DeeMoney is intent on not only providing a cost-effective and streamlined money transfer experience but strive to provide additional benefits too which will make members’ journeys all the more rewarding. This is yet another initiative implemented by DeeMoney to demonstrate its ‘customer first’ value. The programme is aptly called, “More care with every transfer.” The free cover will commence on the 1st of the month following your initial transfer. So, if you take advantage of DeeMoney to make repeat monthly salary remittance transactions above 50,000 THB, you can gain ongoing coverage for a principal sum of up to 50,000 THB if you are in an accident. The coverage reduces to 25,000 THB if the accident is a result of driving or traveling as a passenger on a motorbike. If you transfer less than 50,000 THB baht (cumulatively), you will still receive a principal sum of 25,000 THB if you are in an accident and 12,500 THB for any motorbike-related incidents. The expression, “health is the greatest wealth,” is more important than ever in today’s fast-paced world. The truth of the matter is though that we also like options for our monetary wealth too! And moving money globally has never been so important in Thailand—especially given that the country’s expatriate population numbers between 500,000 and 1 million (in terms of legal estimates only). DeeMoney is the only non-bank money transfer service provider in Thailand to offer insurance cover to its customers. Insurance is a big expense for foreigners living in Thailand and this partner initiative with AXA Thailand is just one of many additional benefits that DeeMoney has planned for its customers. Transfer THB to your origin country with DeeMoney to make huge savings on your international salary remittance transactions. Don’t let Thai local banks bleed you for fees of 1,300 THB or more. Pay a single low-cost fee of 150 THB for transactions up to 800,000 THB. Plus, by opting into DeeMoney for FREE insurance coverage when you make an international transfer, you can make your THB do more for you here and there! To register and start taking advantage of this free coverage underwritten by AXA Insurance PLC, just pop into a DeeMoney branch or sign up here.

Harvey Law Group Introduces Dominica’s Only Citizenship-by-Investment Opportunity with World-Renowned The Residences at Secret Bay Resort Harvey Law Group is an authorized legal firm to market and process The Residences at Secret Bay, an unprecedented citizenship by investment opportunity with completed villas, proven financial performance and a competitive exit strategy. Harvey Law Group, Asia’s pioneer immigration firm specializing in investment immigration, presents its latest project involvement in the Commonwealth of Dominica with the Caribbean’s most anticipated Citizenship by Investment opportunity under the five-star, world-renowned Secret Bay Resort: The Residences at Secret Bay. Dominica, known as "The Nature Island of the Caribbean" and distinguished for its commitment to sustainable development, is the most environmentally-conscious island with an abundance of natural splendors: 365 rivers, the second largest boiling lake in the world, the longest hike-able trail in the Caribbean, waterfalls, hot springs, and black & white sand beaches. The unspoiled tropical preserve is also globally recognized for its citizenship-by-investment program as one of the world's best opportunities for citizenship investors with the Financial Times subsidiary Professional Wealth Management naming Dominica the “World’s Best Country for Second Citizenship” two years in a row. Set on 33-acres of pristine jungle-meets-ocean land, the 42 villas and villa estates that comprise The Residences at Secret Bay feature 1,356 -5,182 square feet of indoor and outdoor living space and lot size ranging from 3,557 -32,290 square feet. The architecture and interiors thoughtfully reflect the pristine Nature Island, embracing casual coastal elegance with stately modern amenities, generous floor plans consisting of indoor and outdoor living spaces, fully-appointed gourmet kitchens, tropical hardwoods, private plunge pools, outdoor showers, as well as hammocks and daybeds. The Residences at Secret Bay is Dominica’s only citizenship-by-investment (CBI) project offering completed villas for immediate purchase with demonstrated rental demand and a competitive exit strategy. Pricing for The Residences at Secret Bay range from USD 218,000 per share for citizenship investors to USD 1,220,800 USD for individuals seeking full ownership of an under-the-radar, sustainable luxury Caribbean vacation home. With strong demands for ownership by vacation home buyers, The Residences at Secret Bay grants citizenship investors unmatched access to the vacation home market for resale. Owners gain privileged access to the resort’s incomparable five-star services and amenities including a dedicated villa attendant, three secluded pools, swimmable beaches, and an on-property sea cave. Enjoy the open-air Zing Zing Restaurant, or relax at riverside couple’s treatments at the Gommiern Spa and Bwa Mang Wellness Pavilion. Key investor benefits include visa-free travel to over 130 countries, a stable political climate, a 90-day path to citizenship, favorable tax regime, rapid relocation amidst modern uncertainty, and lifetime citizenship for families- passable through generations. Additionally, owners gain access to Secret Bay’s high-performing property rental, resale program, and property management. “We’re thrilled to be working with Harvey Law Group given their track record and extensive geographic coverage in various emerging markets in Asia,” said Mr. Gregor Nassief, proprietor of Secret Bay and developer of The Residences at Secret Bay. “The Residences at Secret Bay will offer a compelling value proposition to their prospective clients and we look forward to working closely with them and supporting them fully.” “Dominica has a well-run and competitive citizenship program. We are delighted to add another project and grow our portfolio within the Caribbean region as we believe Secret Bay Resort will be a respectable addition to the program and of definite interest for our international clientele,” said Mr. Bastien Trelcat, Managing Partner of Harvey Law Group. Harvey Law Group (HLG) is a multinational law firm specializing in corporate law and investment immigration, with a worldwide reputation for representing high-profile clients and corporations. HLG was awarded the Immigration Law Firm of The Year at the Annual Macallan ALB Hong Kong Law Awards in 2014 and 2017. As Asia’s pioneer within the CBI industry, HLG has notably been offering immigration services for over 26 years. HLG is headquartered in Hong Kong, with 19 offices worldwide including Thailand, Vietnam, Myanmar, Cambodia, and Philippines. Currently, HLG offers citizenship-by-investment programs to 23 countries and counting. For further inquiries or other investment immigration program opportunities, please contact HLG Managing Partner, Mr. Bastien Trelcat btrelcat@harveylawcorporation.com or Ms. Krittiya Keeratiyut, Office Director, kkeeratiyut@harveylawcorporation.com Call +6626701848 or visit us www.harveylawcorporation.com or learn more about the programs on https://www.harveylawcorporation.com/en/PROGRAMMES. HLG Facebook: https://www.facebook.com/HLGthailand, and YouTube: Harvey Law Group Official.

Harvey Law Group Introduces Dominica’s Only Citizenship-by-Investment Opportunity with World-Renowned The Residences at Secret Bay Resort Harvey Law Group is an authorized legal firm to market and process The Residences at Secret Bay, an unprecedented citizenship by investment opportunity with completed villas, proven financial performance and a competitive exit strategy. Harvey Law Group, Asia’s pioneer immigration firm specializing in investment immigration, presents its latest project involvement in the Commonwealth of Dominica with the Caribbean’s most anticipated Citizenship by Investment opportunity under the five-star, world-renowned Secret Bay Resort: The Residences at Secret Bay. Dominica, known as "The Nature Island of the Caribbean" and distinguished for its commitment to sustainable development, is the most environmentally-conscious island with an abundance of natural splendors: 365 rivers, the second largest boiling lake in the world, the longest hike-able trail in the Caribbean, waterfalls, hot springs, and black & white sand beaches. The unspoiled tropical preserve is also globally recognized for its citizenship-by-investment program as one of the world's best opportunities for citizenship investors with the Financial Times subsidiary Professional Wealth Management naming Dominica the “World’s Best Country for Second Citizenship” two years in a row. Set on 33-acres of pristine jungle-meets-ocean land, the 42 villas and villa estates that comprise The Residences at Secret Bay feature 1,356 -5,182 square feet of indoor and outdoor living space and lot size ranging from 3,557 -32,290 square feet. The architecture and interiors thoughtfully reflect the pristine Nature Island, embracing casual coastal elegance with stately modern amenities, generous floor plans consisting of indoor and outdoor living spaces, fully-appointed gourmet kitchens, tropical hardwoods, private plunge pools, outdoor showers, as well as hammocks and daybeds. The Residences at Secret Bay is Dominica’s only citizenship-by-investment (CBI) project offering completed villas for immediate purchase with demonstrated rental demand and a competitive exit strategy. Pricing for The Residences at Secret Bay range from USD 218,000 per share for citizenship investors to USD 1,220,800 USD for individuals seeking full ownership of an under-the-radar, sustainable luxury Caribbean vacation home. With strong demands for ownership by vacation home buyers, The Residences at Secret Bay grants citizenship investors unmatched access to the vacation home market for resale. Owners gain privileged access to the resort’s incomparable five-star services and amenities including a dedicated villa attendant, three secluded pools, swimmable beaches, and an on-property sea cave. Enjoy the open-air Zing Zing Restaurant, or relax at riverside couple’s treatments at the Gommiern Spa and Bwa Mang Wellness Pavilion. Key investor benefits include visa-free travel to over 130 countries, a stable political climate, a 90-day path to citizenship, favorable tax regime, rapid relocation amidst modern uncertainty, and lifetime citizenship for families- passable through generations. Additionally, owners gain access to Secret Bay’s high-performing property rental, resale program, and property management. “We’re thrilled to be working with Harvey Law Group given their track record and extensive geographic coverage in various emerging markets in Asia,” said Mr. Gregor Nassief, proprietor of Secret Bay and developer of The Residences at Secret Bay. “The Residences at Secret Bay will offer a compelling value proposition to their prospective clients and we look forward to working closely with them and supporting them fully.” “Dominica has a well-run and competitive citizenship program. We are delighted to add another project and grow our portfolio within the Caribbean region as we believe Secret Bay Resort will be a respectable addition to the program and of definite interest for our international clientele,” said Mr. Bastien Trelcat, Managing Partner of Harvey Law Group. Harvey Law Group (HLG) is a multinational law firm specializing in corporate law and investment immigration, with a worldwide reputation for representing high-profile clients and corporations. HLG was awarded the Immigration Law Firm of The Year at the Annual Macallan ALB Hong Kong Law Awards in 2014 and 2017. As Asia’s pioneer within the CBI industry, HLG has notably been offering immigration services for over 26 years. HLG is headquartered in Hong Kong, with 19 offices worldwide including Thailand, Vietnam, Myanmar, Cambodia, and Philippines. Currently, HLG offers citizenship-by-investment programs to 23 countries and counting. For further inquiries or other investment immigration program opportunities, please contact HLG Managing Partner, Mr. Bastien Trelcat btrelcat@harveylawcorporation.com or Ms. Krittiya Keeratiyut, Office Director, kkeeratiyut@harveylawcorporation.com Call +6626701848 or visit us www.harveylawcorporation.com or learn more about the programs on https://www.harveylawcorporation.com/en/PROGRAMMES. HLG Facebook: https://www.facebook.com/HLGthailand, and YouTube: Harvey Law Group Official.

Harvey Law Group Introduces Dominica’s Only Citizenship-by-Investment Opportunity with World-Renowned The Residences at Secret Bay Resort Harvey Law Group is an authorized legal firm to market and process The Residences at Secret Bay, an unprecedented citizenship by investment opportunity with completed villas, proven financial performance and a competitive exit strategy. Harvey Law Group, Asia’s pioneer immigration firm specializing in investment immigration, presents its latest project involvement in the Commonwealth of Dominica with the Caribbean’s most anticipated Citizenship by Investment opportunity under the five-star, world-renowned Secret Bay Resort: The Residences at Secret Bay. Dominica, known as "The Nature Island of the Caribbean" and distinguished for its commitment to sustainable development, is the most environmentally-conscious island with an abundance of natural splendors: 365 rivers, the second largest boiling lake in the world, the longest hike-able trail in the Caribbean, waterfalls, hot springs, and black & white sand beaches. The unspoiled tropical preserve is also globally recognized for its citizenship-by-investment program as one of the world's best opportunities for citizenship investors with the Financial Times subsidiary Professional Wealth Management naming Dominica the “World’s Best Country for Second Citizenship” two years in a row. Set on 33-acres of pristine jungle-meets-ocean land, the 42 villas and villa estates that comprise The Residences at Secret Bay feature 1,356 -5,182 square feet of indoor and outdoor living space and lot size ranging from 3,557 -32,290 square feet. The architecture and interiors thoughtfully reflect the pristine Nature Island, embracing casual coastal elegance with stately modern amenities, generous floor plans consisting of indoor and outdoor living spaces, fully-appointed gourmet kitchens, tropical hardwoods, private plunge pools, outdoor showers, as well as hammocks and daybeds. The Residences at Secret Bay is Dominica’s only citizenship-by-investment (CBI) project offering completed villas for immediate purchase with demonstrated rental demand and a competitive exit strategy. Pricing for The Residences at Secret Bay range from USD 218,000 per share for citizenship investors to USD 1,220,800 USD for individuals seeking full ownership of an under-the-radar, sustainable luxury Caribbean vacation home. With strong demands for ownership by vacation home buyers, The Residences at Secret Bay grants citizenship investors unmatched access to the vacation home market for resale. Owners gain privileged access to the resort’s incomparable five-star services and amenities including a dedicated villa attendant, three secluded pools, swimmable beaches, and an on-property sea cave. Enjoy the open-air Zing Zing Restaurant, or relax at riverside couple’s treatments at the Gommiern Spa and Bwa Mang Wellness Pavilion. Key investor benefits include visa-free travel to over 130 countries, a stable political climate, a 90-day path to citizenship, favorable tax regime, rapid relocation amidst modern uncertainty, and lifetime citizenship for families- passable through generations. Additionally, owners gain access to Secret Bay’s high-performing property rental, resale program, and property management. “We’re thrilled to be working with Harvey Law Group given their track record and extensive geographic coverage in various emerging markets in Asia,” said Mr. Gregor Nassief, proprietor of Secret Bay and developer of The Residences at Secret Bay. “The Residences at Secret Bay will offer a compelling value proposition to their prospective clients and we look forward to working closely with them and supporting them fully.” “Dominica has a well-run and competitive citizenship program. We are delighted to add another project and grow our portfolio within the Caribbean region as we believe Secret Bay Resort will be a respectable addition to the program and of definite interest for our international clientele,” said Mr. Bastien Trelcat, Managing Partner of Harvey Law Group. Harvey Law Group (HLG) is a multinational law firm specializing in corporate law and investment immigration, with a worldwide reputation for representing high-profile clients and corporations. HLG was awarded the Immigration Law Firm of The Year at the Annual Macallan ALB Hong Kong Law Awards in 2014 and 2017. As Asia’s pioneer within the CBI industry, HLG has notably been offering immigration services for over 26 years. HLG is headquartered in Hong Kong, with 19 offices worldwide including Thailand, Vietnam, Myanmar, Cambodia, and Philippines. Currently, HLG offers citizenship-by-investment programs to 23 countries and counting. For further inquiries or other investment immigration program opportunities, please contact HLG Managing Partner, Mr. Bastien Trelcat btrelcat@harveylawcorporation.com or Ms. Krittiya Keeratiyut, Office Director, kkeeratiyut@harveylawcorporation.com Call +6626701848 or visit us www.harveylawcorporation.com or learn more about the programs on https://www.harveylawcorporation.com/en/PROGRAMMES. HLG Facebook: https://www.facebook.com/HLGthailand, and YouTube: Harvey Law Group Official.

Harvey Law Group Introduces Dominica’s Only Citizenship-by-Investment Opportunity with World-Renowned The Residences at Secret Bay Resort Harvey Law Group is an authorized legal firm to market and process The Residences at Secret Bay, an unprecedented citizenship by investment opportunity with completed villas, proven financial performance and a competitive exit strategy. Harvey Law Group, Asia’s pioneer immigration firm specializing in investment immigration, presents its latest project involvement in the Commonwealth of Dominica with the Caribbean’s most anticipated Citizenship by Investment opportunity under the five-star, world-renowned Secret Bay Resort: The Residences at Secret Bay. Dominica, known as "The Nature Island of the Caribbean" and distinguished for its commitment to sustainable development, is the most environmentally-conscious island with an abundance of natural splendors: 365 rivers, the second largest boiling lake in the world, the longest hike-able trail in the Caribbean, waterfalls, hot springs, and black & white sand beaches. The unspoiled tropical preserve is also globally recognized for its citizenship-by-investment program as one of the world's best opportunities for citizenship investors with the Financial Times subsidiary Professional Wealth Management naming Dominica the “World’s Best Country for Second Citizenship” two years in a row. Set on 33-acres of pristine jungle-meets-ocean land, the 42 villas and villa estates that comprise The Residences at Secret Bay feature 1,356 -5,182 square feet of indoor and outdoor living space and lot size ranging from 3,557 -32,290 square feet. The architecture and interiors thoughtfully reflect the pristine Nature Island, embracing casual coastal elegance with stately modern amenities, generous floor plans consisting of indoor and outdoor living spaces, fully-appointed gourmet kitchens, tropical hardwoods, private plunge pools, outdoor showers, as well as hammocks and daybeds. The Residences at Secret Bay is Dominica’s only citizenship-by-investment (CBI) project offering completed villas for immediate purchase with demonstrated rental demand and a competitive exit strategy. Pricing for The Residences at Secret Bay range from USD 218,000 per share for citizenship investors to USD 1,220,800 USD for individuals seeking full ownership of an under-the-radar, sustainable luxury Caribbean vacation home. With strong demands for ownership by vacation home buyers, The Residences at Secret Bay grants citizenship investors unmatched access to the vacation home market for resale. Owners gain privileged access to the resort’s incomparable five-star services and amenities including a dedicated villa attendant, three secluded pools, swimmable beaches, and an on-property sea cave. Enjoy the open-air Zing Zing Restaurant, or relax at riverside couple’s treatments at the Gommiern Spa and Bwa Mang Wellness Pavilion. Key investor benefits include visa-free travel to over 130 countries, a stable political climate, a 90-day path to citizenship, favorable tax regime, rapid relocation amidst modern uncertainty, and lifetime citizenship for families- passable through generations. Additionally, owners gain access to Secret Bay’s high-performing property rental, resale program, and property management. “We’re thrilled to be working with Harvey Law Group given their track record and extensive geographic coverage in various emerging markets in Asia,” said Mr. Gregor Nassief, proprietor of Secret Bay and developer of The Residences at Secret Bay. “The Residences at Secret Bay will offer a compelling value proposition to their prospective clients and we look forward to working closely with them and supporting them fully.” “Dominica has a well-run and competitive citizenship program. We are delighted to add another project and grow our portfolio within the Caribbean region as we believe Secret Bay Resort will be a respectable addition to the program and of definite interest for our international clientele,” said Mr. Bastien Trelcat, Managing Partner of Harvey Law Group. Harvey Law Group (HLG) is a multinational law firm specializing in corporate law and investment immigration, with a worldwide reputation for representing high-profile clients and corporations. HLG was awarded the Immigration Law Firm of The Year at the Annual Macallan ALB Hong Kong Law Awards in 2014 and 2017. As Asia’s pioneer within the CBI industry, HLG has notably been offering immigration services for over 26 years. HLG is headquartered in Hong Kong, with 19 offices worldwide including Thailand, Vietnam, Myanmar, Cambodia, and Philippines. Currently, HLG offers citizenship-by-investment programs to 23 countries and counting. For further inquiries or other investment immigration program opportunities, please contact HLG Managing Partner, Mr. Bastien Trelcat btrelcat@harveylawcorporation.com or Ms. Krittiya Keeratiyut, Office Director, kkeeratiyut@harveylawcorporation.com Call +6626701848 or visit us www.harveylawcorporation.com or learn more about the programs on https://www.harveylawcorporation.com/en/PROGRAMMES. HLG Facebook: https://www.facebook.com/HLGthailand, and YouTube: Harvey Law Group Official.

Harvey Law Group Introduces Dominica’s Only Citizenship-by-Investment Opportunity with World-Renowned The Residences at Secret Bay Resort Harvey Law Group is an authorized legal firm to market and process The Residences at Secret Bay, an unprecedented citizenship by investment opportunity with completed villas, proven financial performance and a competitive exit strategy. Harvey Law Group, Asia’s pioneer immigration firm specializing in investment immigration, presents its latest project involvement in the Commonwealth of Dominica with the Caribbean’s most anticipated Citizenship by Investment opportunity under the five-star, world-renowned Secret Bay Resort: The Residences at Secret Bay. Dominica, known as "The Nature Island of the Caribbean" and distinguished for its commitment to sustainable development, is the most environmentally-conscious island with an abundance of natural splendors: 365 rivers, the second largest boiling lake in the world, the longest hike-able trail in the Caribbean, waterfalls, hot springs, and black & white sand beaches. The unspoiled tropical preserve is also globally recognized for its citizenship-by-investment program as one of the world's best opportunities for citizenship investors with the Financial Times subsidiary Professional Wealth Management naming Dominica the “World’s Best Country for Second Citizenship” two years in a row. Set on 33-acres of pristine jungle-meets-ocean land, the 42 villas and villa estates that comprise The Residences at Secret Bay feature 1,356 -5,182 square feet of indoor and outdoor living space and lot size ranging from 3,557 -32,290 square feet. The architecture and interiors thoughtfully reflect the pristine Nature Island, embracing casual coastal elegance with stately modern amenities, generous floor plans consisting of indoor and outdoor living spaces, fully-appointed gourmet kitchens, tropical hardwoods, private plunge pools, outdoor showers, as well as hammocks and daybeds. The Residences at Secret Bay is Dominica’s only citizenship-by-investment (CBI) project offering completed villas for immediate purchase with demonstrated rental demand and a competitive exit strategy. Pricing for The Residences at Secret Bay range from USD 218,000 per share for citizenship investors to USD 1,220,800 USD for individuals seeking full ownership of an under-the-radar, sustainable luxury Caribbean vacation home. With strong demands for ownership by vacation home buyers, The Residences at Secret Bay grants citizenship investors unmatched access to the vacation home market for resale. Owners gain privileged access to the resort’s incomparable five-star services and amenities including a dedicated villa attendant, three secluded pools, swimmable beaches, and an on-property sea cave. Enjoy the open-air Zing Zing Restaurant, or relax at riverside couple’s treatments at the Gommiern Spa and Bwa Mang Wellness Pavilion. Key investor benefits include visa-free travel to over 130 countries, a stable political climate, a 90-day path to citizenship, favorable tax regime, rapid relocation amidst modern uncertainty, and lifetime citizenship for families- passable through generations. Additionally, owners gain access to Secret Bay’s high-performing property rental, resale program, and property management. “We’re thrilled to be working with Harvey Law Group given their track record and extensive geographic coverage in various emerging markets in Asia,” said Mr. Gregor Nassief, proprietor of Secret Bay and developer of The Residences at Secret Bay. “The Residences at Secret Bay will offer a compelling value proposition to their prospective clients and we look forward to working closely with them and supporting them fully.” “Dominica has a well-run and competitive citizenship program. We are delighted to add another project and grow our portfolio within the Caribbean region as we believe Secret Bay Resort will be a respectable addition to the program and of definite interest for our international clientele,” said Mr. Bastien Trelcat, Managing Partner of Harvey Law Group. Harvey Law Group (HLG) is a multinational law firm specializing in corporate law and investment immigration, with a worldwide reputation for representing high-profile clients and corporations. HLG was awarded the Immigration Law Firm of The Year at the Annual Macallan ALB Hong Kong Law Awards in 2014 and 2017. As Asia’s pioneer within the CBI industry, HLG has notably been offering immigration services for over 26 years. HLG is headquartered in Hong Kong, with 19 offices worldwide including Thailand, Vietnam, Myanmar, Cambodia, and Philippines. Currently, HLG offers citizenship-by-investment programs to 23 countries and counting. For further inquiries or other investment immigration program opportunities, please contact HLG Managing Partner, Mr. Bastien Trelcat btrelcat@harveylawcorporation.com or Ms. Krittiya Keeratiyut, Office Director, kkeeratiyut@harveylawcorporation.com Call +6626701848 or visit us www.harveylawcorporation.com or learn more about the programs on https://www.harveylawcorporation.com/en/PROGRAMMES. HLG Facebook: https://www.facebook.com/HLGthailand, and YouTube: Harvey Law Group Official.

Harvey Law Group Introduces Dominica’s Only Citizenship-by-Investment Opportunity with World-Renowned The Residences at Secret Bay Resort Harvey Law Group is an authorized legal firm to market and process The Residences at Secret Bay, an unprecedented citizenship by investment opportunity with completed villas, proven financial performance and a competitive exit strategy. Harvey Law Group, Asia’s pioneer immigration firm specializing in investment immigration, presents its latest project involvement in the Commonwealth of Dominica with the Caribbean’s most anticipated Citizenship by Investment opportunity under the five-star, world-renowned Secret Bay Resort: The Residences at Secret Bay. Dominica, known as "The Nature Island of the Caribbean" and distinguished for its commitment to sustainable development, is the most environmentally-conscious island with an abundance of natural splendors: 365 rivers, the second largest boiling lake in the world, the longest hike-able trail in the Caribbean, waterfalls, hot springs, and black & white sand beaches. The unspoiled tropical preserve is also globally recognized for its citizenship-by-investment program as one of the world's best opportunities for citizenship investors with the Financial Times subsidiary Professional Wealth Management naming Dominica the “World’s Best Country for Second Citizenship” two years in a row. Set on 33-acres of pristine jungle-meets-ocean land, the 42 villas and villa estates that comprise The Residences at Secret Bay feature 1,356 -5,182 square feet of indoor and outdoor living space and lot size ranging from 3,557 -32,290 square feet. The architecture and interiors thoughtfully reflect the pristine Nature Island, embracing casual coastal elegance with stately modern amenities, generous floor plans consisting of indoor and outdoor living spaces, fully-appointed gourmet kitchens, tropical hardwoods, private plunge pools, outdoor showers, as well as hammocks and daybeds. The Residences at Secret Bay is Dominica’s only citizenship-by-investment (CBI) project offering completed villas for immediate purchase with demonstrated rental demand and a competitive exit strategy. Pricing for The Residences at Secret Bay range from USD 218,000 per share for citizenship investors to USD 1,220,800 USD for individuals seeking full ownership of an under-the-radar, sustainable luxury Caribbean vacation home. With strong demands for ownership by vacation home buyers, The Residences at Secret Bay grants citizenship investors unmatched access to the vacation home market for resale. Owners gain privileged access to the resort’s incomparable five-star services and amenities including a dedicated villa attendant, three secluded pools, swimmable beaches, and an on-property sea cave. Enjoy the open-air Zing Zing Restaurant, or relax at riverside couple’s treatments at the Gommiern Spa and Bwa Mang Wellness Pavilion. Key investor benefits include visa-free travel to over 130 countries, a stable political climate, a 90-day path to citizenship, favorable tax regime, rapid relocation amidst modern uncertainty, and lifetime citizenship for families- passable through generations. Additionally, owners gain access to Secret Bay’s high-performing property rental, resale program, and property management. “We’re thrilled to be working with Harvey Law Group given their track record and extensive geographic coverage in various emerging markets in Asia,” said Mr. Gregor Nassief, proprietor of Secret Bay and developer of The Residences at Secret Bay. “The Residences at Secret Bay will offer a compelling value proposition to their prospective clients and we look forward to working closely with them and supporting them fully.” “Dominica has a well-run and competitive citizenship program. We are delighted to add another project and grow our portfolio within the Caribbean region as we believe Secret Bay Resort will be a respectable addition to the program and of definite interest for our international clientele,” said Mr. Bastien Trelcat, Managing Partner of Harvey Law Group. Harvey Law Group (HLG) is a multinational law firm specializing in corporate law and investment immigration, with a worldwide reputation for representing high-profile clients and corporations. HLG was awarded the Immigration Law Firm of The Year at the Annual Macallan ALB Hong Kong Law Awards in 2014 and 2017. As Asia’s pioneer within the CBI industry, HLG has notably been offering immigration services for over 26 years. HLG is headquartered in Hong Kong, with 19 offices worldwide including Thailand, Vietnam, Myanmar, Cambodia, and Philippines. Currently, HLG offers citizenship-by-investment programs to 23 countries and counting. For further inquiries or other investment immigration program opportunities, please contact HLG Managing Partner, Mr. Bastien Trelcat btrelcat@harveylawcorporation.com or Ms. Krittiya Keeratiyut, Office Director, kkeeratiyut@harveylawcorporation.com Call +6626701848 or visit us www.harveylawcorporation.com or learn more about the programs on https://www.harveylawcorporation.com/en/PROGRAMMES. HLG Facebook: https://www.facebook.com/HLGthailand, and YouTube: Harvey Law Group Official.

The Expat Health Insurance Scarcity in Thailand Ever found yourself looking for a needle in a haystack? You’ve heard it’s out there somewhere, you have no idea where to begin though, and you’ve only got a general idea of what it actually looks like… If you’re a foreigner living and working in Thailand and you’ve tried to find suitable and affordable insurance options, you’ll sympathize with this scenario. You know it exists, the notion of insurance is not a new concept to the world, but no package fits quite right. It would be nice to look to your employer to help you out in this kind of situation, right? Except… Many companies, both Western and Thai who hire in the country, only provide employee benefits that work in line with the Social Security Fund under Thai law. Firstly though, you must contribute for a minimum of three months before you can avail yourself of “free medical care” and even that is only for certain registered hospitals. Secondly, only limited personal health insurance is included as part of the Social Security program. For many expats living and working in Thailand, this coverage is insufficient for potential needs. More comprehensive insurance packages aren’t even on many business’ radar as an appropriate employee benefit. Decent expat insurance in Thailand can practically become a luxury purchase. Bupa Global, Cigna Global, and integraGlobal (for example) seem largely aimed at above average pay brackets. Which makes health coverage inaccessible for those earning hourly working salaries. Affordable health insurance is not always an option, and if you can afford it, it can be a heavily bureaucratic ordeal to wade through. But wait. There are public health facilities in Thailand, right? And yes, it’s true. It’s possible to get decent medical services without insurance, but such government-funded hospitals are typically crowded, which means waiting times can be long. Plus, the best doctors tend to practice in private hospitals rather than public facilities. Government hospitals also tend to lack the latest medications and be manned by doctors and nurses fresh from university too. So, we’re back to hunting for that needle in a haystack that is appropriate coverage for your circumstances. Travel insurance only tends to work for a limited amount of time, and typically your origin country needs to be your dominant address for liable cover. So, no good if you’re actually living and working in Thailand full time. Many foreigners recognize that Social Security, if they’re lucky enough to even have this as a baseline, just isn’t going to cut it long-term. Moreover, aside from worry-free surgeries, having appropriate insurance removes half the anxiety of going into a hospital. So, what to do? Well, there’s a new option on the market. Recognizing that a large portion of its audience is missing out on options in this space, specially licensed non-bank entity DeeMoney has teamed up with AXA Thailand to offer registered members one month of free coverage when they make a minimum transfer once a month—talk about effortless! DeeMoney is intent on not only providing a cost-effective and streamlined money transfer experience but strive to provide additional benefits too which will make members’ journeys all the more rewarding. This is yet another initiative implemented by DeeMoney to demonstrate its ‘customer first’ value. The programme is aptly called, “More care with every transfer.” The free cover will commence on the 1st of the month following your initial transfer. So, if you take advantage of DeeMoney to make repeat monthly salary remittance transactions above 50,000 THB, you can gain ongoing coverage for a principal sum of up to 50,000 THB if you are in an accident. The coverage reduces to 25,000 THB if the accident is a result of driving or traveling as a passenger on a motorbike. If you transfer less than 50,000 THB baht (cumulatively), you will still receive a principal sum of 25,000 THB if you are in an accident and 12,500 THB for any motorbike-related incidents. The expression, “health is the greatest wealth,” is more important than ever in today’s fast-paced world. The truth of the matter is though that we also like options for our monetary wealth too! And moving money globally has never been so important in Thailand—especially given that the country’s expatriate population numbers between 500,000 and 1 million (in terms of legal estimates only). DeeMoney is the only non-bank money transfer service provider in Thailand to offer insurance cover to its customers. Insurance is a big expense for foreigners living in Thailand and this partner initiative with AXA Thailand is just one of many additional benefits that DeeMoney has planned for its customers. Transfer THB to your origin country with DeeMoney to make huge savings on your international salary remittance transactions. Don’t let Thai local banks bleed you for fees of 1,300 THB or more. Pay a single low-cost fee of 150 THB for transactions up to 800,000 THB. Plus, by opting into DeeMoney for FREE insurance coverage when you make an international transfer, you can make your THB do more for you here and there! To register and start taking advantage of this free coverage underwritten by AXA Insurance PLC, just pop into a DeeMoney branch or sign up here.

Become a VIP Customer and get FREE Premium Products! Get FREE Products that you deserve, from Premium Ribeye to Brazilian Lobster, you can have them for FREE. Just order over 8000THB and become one of our VIP Customers. Why become a VIP Customer? When you become our VIP Customer you get to receive the latest promotions first before we put them online, and every time your order reaches over 8000THB, you will automatically get to choose FREE Premium products. You get to choose which one you would like to have. For Bangkok Customers, we send them the same day except on weekends and holidays. Customers living outside Bangkok, you will receive them 2 days maximum from order date, except on weekends and holidays. Your FREE Premium products are waiting, ORDER NOW!

Become a VIP Customer and get FREE Premium Products! Get FREE Products that you deserve, from Premium Ribeye to Brazilian Lobster, you can have them for FREE. Just order over 8000THB and become one of our VIP Customers. Why become a VIP Customer? When you become our VIP Customer you get to receive the latest promotions first before we put them online, and every time your order reaches over 8000THB, you will automatically get to choose FREE Premium products. You get to choose which one you would like to have. For Bangkok Customers, we send them the same day except on weekends and holidays. Customers living outside Bangkok, you will receive them 2 days maximum from order date, except on weekends and holidays. Your FREE Premium products are waiting, ORDER NOW!

Become a VIP Customer and get FREE Premium Products! Get FREE Products that you deserve, from Premium Ribeye to Brazilian Lobster, you can have them for FREE. Just order over 8000THB and become one of our VIP Customers. Why become a VIP Customer? When you become our VIP Customer you get to receive the latest promotions first before we put them online, and every time your order reaches over 8000THB, you will automatically get to choose FREE Premium products. You get to choose which one you would like to have. For Bangkok Customers, we send them the same day except on weekends and holidays. Customers living outside Bangkok, you will receive them 2 days maximum from order date, except on weekends and holidays. Your FREE Premium products are waiting, ORDER NOW!

Become a VIP Customer and get FREE Premium Products! Get FREE Products that you deserve, from Premium Ribeye to Brazilian Lobster, you can have them for FREE. Just order over 8000THB and become one of our VIP Customers. Why become a VIP Customer? When you become our VIP Customer you get to receive the latest promotions first before we put them online, and every time your order reaches over 8000THB, you will automatically get to choose FREE Premium products. You get to choose which one you would like to have. For Bangkok Customers, we send them the same day except on weekends and holidays. Customers living outside Bangkok, you will receive them 2 days maximum from order date, except on weekends and holidays. Your FREE Premium products are waiting, ORDER NOW!

Become a VIP Customer and get FREE Premium Products! Get FREE Products that you deserve, from Premium Ribeye to Brazilian Lobster, you can have them for FREE. Just order over 8000THB and become one of our VIP Customers. Why become a VIP Customer? When you become our VIP Customer you get to receive the latest promotions first before we put them online, and every time your order reaches over 8000THB, you will automatically get to choose FREE Premium products. You get to choose which one you would like to have. For Bangkok Customers, we send them the same day except on weekends and holidays. Customers living outside Bangkok, you will receive them 2 days maximum from order date, except on weekends and holidays. Your FREE Premium products are waiting, ORDER NOW!

Same day international transfers and No-Fee cardless ATM withdrawals Targeting financial services to expat, digital nomad and cryptocurrency communities, the fintech challenger Everex.io came with a new and interesting service of using blockchain for instant cross-border transfer and domestic money exchange. Serving currency corridors between USD, EUR, crypto and THB, Everex offers huge savings on currency exchange, transfers, and most importantly, free cardless ATM withdrawals. When you run out of cash and it’s time to get a new stash, that’s when most of us get caught with 200-220 THB ATM international withdrawal fees that are charged by banks on the top of the currency exchange rate, which may reach additional 4-5%. Everex found a way to deliver THB only for around 1% over interbank currency conversion rates. There are no additional fees or commission, whether you do transfer to Thai bank account or request cardless ATM withdrawal. And what’s cool is а real same day delivery and no withdrawal fees. Bank account or card is not required to use this service. How it Works Sign up and verify your identity. After verification, add THB to your wallet by depositing the quoted amount in EUR or USD. If you are a crypto friendly person, you can use DAI (USD) or EVX token to send to your wallet address. Once Everex team receives your funds, THB will appear in your Everex wallet within minutes. If you transfer EVX or DAI it will appear on your Everex balance automatically. To receive cash in THB, locate Withdrawal function in the wallet and specify how you want to receive it: via ATM or Thai bank account. If you select Cardless ATM, note that there is 20,000 THB limit per transaction. For bank account withdrawal the limit is 30,000 THB. No bank account or card is required for ATM withdrawals. Nor you will pay any withdrawal fees. This service is available in any major city in Thailand, including Bangkok, Pattaya, Phuket, Chiang Mai and other popular destinations. Do you first transfer with Everex Wallet. For more details visit Everex site. Get the app |>

Same day international transfers and No-Fee cardless ATM withdrawals Targeting financial services to expat, digital nomad and cryptocurrency communities, the fintech challenger Everex.io came with a new and interesting service of using blockchain for instant cross-border transfer and domestic money exchange. Serving currency corridors between USD, EUR, crypto and THB, Everex offers huge savings on currency exchange, transfers, and most importantly, free cardless ATM withdrawals. When you run out of cash and it’s time to get a new stash, that’s when most of us get caught with 200-220 THB ATM international withdrawal fees that are charged by banks on the top of the currency exchange rate, which may reach additional 4-5%. Everex found a way to deliver THB only for around 1% over interbank currency conversion rates. There are no additional fees or commission, whether you do transfer to Thai bank account or request cardless ATM withdrawal. And what’s cool is а real same day delivery and no withdrawal fees. Bank account or card is not required to use this service. How it Works Sign up and verify your identity. After verification, add THB to your wallet by depositing the quoted amount in EUR or USD. If you are a crypto friendly person, you can use DAI (USD) or EVX token to send to your wallet address. Once Everex team receives your funds, THB will appear in your Everex wallet within minutes. If you transfer EVX or DAI it will appear on your Everex balance automatically. To receive cash in THB, locate Withdrawal function in the wallet and specify how you want to receive it: via ATM or Thai bank account. If you select Cardless ATM, note that there is 20,000 THB limit per transaction. For bank account withdrawal the limit is 30,000 THB. No bank account or card is required for ATM withdrawals. Nor you will pay any withdrawal fees. This service is available in any major city in Thailand, including Bangkok, Pattaya, Phuket, Chiang Mai and other popular destinations. Do you first transfer with Everex Wallet. For more details visit Everex site. Get the app |>

An Evening With Dane Swan at The Clubhouse Sports Bar & Grill – 29th August 2019 The Thailand Tigers Australian Rules Football Club & Stagetime Comedy Club present…. AFL LEGEND DANE SWAN Collingwood 2010 Premiership player & 2011 Brownlow Medalist LIVE in Bangkok! A sportman’s night with one of Australia’s most loved sporting stars from modern times for one night only. Don’t miss the chance to hear from the man himself in the intimate setting of The Clubhouse’s upstairs bar. Plus special guests including Essendon Premiership Player Ricky Olarenshaw! This event is limited to just 50 tickets and will sell out well in advance so book early! Thursday, 29th August @ 8pm Early Bird ฿800 Standard ฿1000 At the door ฿1300 (subject to availability) VIP ฿1600 – Limited to 15 (Includes front section seating and tables, free flow drinks and meet and greet with Swanny). The Clubhouse Sports Bar & Grill, Sukhumvit 23, Bangkok. #live #daneswan #bangkok #afl #aflasia #sukhumvit #thailand ———————————————————————————————————– TICKETS: https://bangkok.oneplace.events/nightlife/an-evening-with-dane-swan ———————————————————————————————————–

Catch all the LIVE Sports Action this week at Bangkok’s No.1 Sports Bar & Grill! The Clubhouse Sports Bar & Grill UFC 241 LIVE at The Clubhouse Sports Bar & Grill! UFC 241 CORMIER vs. MIOCIC 2 Sunday, 18th August Doors Open @ 8.00am UFC returns to Anaheim with a blockbuster heavyweight championship rematch that will see No.1 ranked pound-for-pound fighter Daniel Cormier defend against former titleholder and No. 1 contender Stipe Miocic. In a can’t miss welterweight thriller, No. 8 ranked Anthony Pettis welcomes back Nate Diaz. CATCH ALL THE ACTION LIVE AT THE CLUBHOUSE BANGKOK! #mma #live #ufc #ufc241 #bangkok #sukhumvit #thailand #sportsbar #mixedmartialarts THE ASHES 2019 LIVE at The Clubhouse Sports Bar & Grill! England v Australia ️ Wed, 14th August - Monday, 19th August Daily @ 4.00pm SHOWN LIVE @ The Clubhouse Sports Bar & Grill! #cricket #live #theashes #bangkok #sukhumvit #thailand #sportsbar #england #australia The Bledisloe Cup - Game 2 - LIVE at The Clubhouse Bangkok! NEW ZEALAND v AUSTRALIA Saturday, 17th August @ 2:30pm Watch the Wallabies take on the All Blacks in Game 2 (and final game) for the Bledisloe Cup 2019 this Saturday 2:30 PM KO down at The Clubhouse Sports Bar & Grill! The Wallabies won Game 1 and as such lead the series 1-0, however, must win both Tests to reclaim the trophy. WATCH LIVE @ The Clubhouse Sports Bar & Grill with the Southerners Sports Club! #southernerssportsclub #southernersrugby #southernerssocial #live #rugby #wallabies #allblacks #bledisloe ENGLISH PREMIERSHIP FOOTBALL LIVE at The Clubhouse Bangkok! Saturday, 17th August 2019 ️ Arsenal v Burnley @ 6.30pm ️ Everton v Watford @ 9.00pm ️ Southampton v Liverpool @ 9.00pm ️ Brighton v West Ham @ 9.00pm ️ Aston Villa v Bournemouth @ 9.00pm ️ Norwich v Newcastle @ 9.00pm ️ Man City v Spurs @ 11.30pm Sunday, 18th August 2019 ️ Sheffield Utd v Crystal Palace @ 8.00pm ️ Chelsea v Leicester @ 10.30pm #live #football #bangkok #sukhumvit #epl #bpl #premier #premierleague #premiership #sportsbar RUGBY: WALES v ENGLAND LIVE at The Clubhouse Bangkok! WALES v ENGLAND Saturday, 17th August @ 8:15pm Wales' 33-19 defeat to England at Twickenham meant the first loss for Warren Gatland's men since February last year, ending a run of 14 wins. The result also scuppered their hopes of replacing New Zealand at No 1 in the World Rugby rankings, but Gatland's side have an immediate opportunity to avenge that result when they host England on Saturday, LIVE at The Clubhouse Bangkok! #southernerssportsclub #southernersrugby #southernerssocial #live #rugby #wales #england This Weekend's LIVE Sport Menu @ The Clubhouse Sports Bar & Grill! #live #sport #bangkok #sukhumvit #thailand #sportsbar THE CLUBHOUSE SPORTS BAR & GRILL The Clubhouse is Bangkok’s No. 1 Sports Bar to enjoy a great night out with friends and really cheer your team on! We have 14 HD TV’s and two Sony HD Projectors across two floors so you’ll never miss any of the action! Our friendly staff can serve you a full international menu including juicy burgers, tasty signature clubhouse wraps or chicken parmigiana. Sit in our air con bar or outside terrace and why not check out our extensive wine menu! Our upstairs lounge is perfect for large group meetings & is available for private bookings!