Hi,
The crucial difference between the permeabilities of the membrane to sodium [low permeability] and to potassium [high permeability] is the INITIAL factor that generates the negative potential on the inside of the membrane relative to the outside [this movement is brought about by simple diffusion [as sodium is principally an extracellular cation [so tends to move in], while potassium is principally intracellular [so tends to move out]]]. [1st 2 points in mak scheme]
The 3rd point in the mark scheme i.e. movement of 3 Na+ out of the cell in exchange for 2 K+ into the cell [so net inward negative] is an active process that needs ATP [sodium-potassium pump or Na+, K+, ATP-ase] AND COMES LATER [in a sense tho in miilliseconds] so MAINTAINS the negative potential inside after it is INITIATED by the first 2 points in the mark scheme.
I hope this makes things easier for you!
M [specialist biology tutor]