Whilst the Company has enjoyed reasonable success with its existing product line, ADS has also taken into account the size of the potential market for other related application software. In this regard, the Company is in the process of expanding its product line, particularly targeting the general insurance and health insurance markets. ADS plans to have application software packages available for these markets towards the end of 2002 and into 2003. The Company will also be redeveloping its COVER and BROKER software packages into Oracle-based applications. ADS is also open to the exploration of potential joint ventures that will result in the provision of large-scale offshore software engineering services to international partners.

Though primarily a software developer and vendor,ADS has not missed the significance of the emergence of the Internet and its potential to credibly lower the cost of access to sophisticated application software. To this end, the Company is geared to commission application service provider (ASP) facilities on demand. This features web-enabled versions of its CIS-LIFE, CIS-PENSION, and CIS-GROUP application software packages to be joined by other CIS applications currently in development. ASP facilities are available to customers in the USA and other English-speaking countries, leading off with the Company's flagship CIS-LIFE application. An ASP facility is particularly suitable for companies with limited resources to commit to IT who are in need of world-class functionality. Because of the boundless reach of the Internet, an ASP facility offers the potential to bring together administration, intermediaries, and customers in a way that is impossible with traditional channels. Another advantage is that this offers a credible alternative for companies contemplating the partial or complete outsourcing of their administration to third party administered (TPA) facilities.

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