3. GEMS offer its members five different benefits options, namely Sapphire, Beryl, Ruby, Emerald and Onyx. GEMS contracts with operational service providers to deliver services to its beneficiaries. GEMS' governance structure consists of a Board of Trustees that directs the Scheme's activities; a Principal Officer, who implements the directives of the Board and is responsible for the day-to-day management of the Scheme; and executives that support the Principal Officer in monitoring and managing the service levels and adherence to contractual obligations by contracted service providers