Your Company is considering improvements to its employee benefits plan to be implemented in the next fiscal year. You are the and you have been asked to provide the Committee established for the purpose of making recommendations to the Executives on the following benefit plans including the tax implications to the employees:-

i. Low interest loan benefits including loans for home purchases and home relocation loans (10 marks)

ii. Financial counselling (3 marks).

iii. Gifts(2 marks)