A Worldwide Assistance leader Worldwide Assistance Services, Inc.

“You don’t have worldwide assistance unless you have Worldwide Assistance!” ISE Cards –WA October 21, 2005

Discussion topics Worldwide Assistance, your best partner Medical Benefits Non-medical Benefits Available Benefits Comprehensive Travel Assistance Current Medical Case Flow Process

Worldwide Assistance is your best partner! “The world’s oldest and most experienced assistance company.” - Leading the world of assistance since 1963! 208 Countries and Territories Covered 39 around-the-clock Alarm Centers in 34 countries 4,500 employees 250 Agent Offices Constant Activity (2004 group data) 41.7 million telephone calls (1 call/second) 7.4 million assistance cases opened (one case every 5 seconds) 8,000 transports annually worldwide Exceptional capabilities Truly international scope affords innovative market- focused solutions. Ability to assist under exceptionally difficult circumstances. Tightly controlled inter-office structure provides the most consistent and controlled service approach. Owned by Generali Insurance – resources for innovation. Financial stability assures long-term business partnerships. Clinical advantages 20-year old partnership with George Washington University’s Department of Emergency Medicine means medical travel assistance dedicated to the patient. 400 medical professionals in the group. Network Advantages Shared resources and worldwide “on the ground” presence. Proprietary database represents over 400,000 active provider relationships. Customer Service Advantages WA’s expertise and service provide quality support to ISE members. We can customize based on your needs! We support your business development! Name Recognition. Worldwide.

Medical Benefits Monitoring of Medical Conditions Medical Referrals Evacuation (limited to $5,000 CSL) Repatriation Medical coverage up to $2,000. Basic

Non-Medical Benefits Legal Referral Embassy/Consular Referrals Lost Baggage/Items Assistance Travel Agency Benefits – change of itinerary/tickets, etc. Lost passport assistance Basic

Available Additional Services, Medical Return of Mortal Remains Return of Traveling Companion Transport Escort Benefit Visit by family member/friend Coordination/Assistance with Medical Payment Advance of medical expenses Medical emergency expense guarantee/ advance overseas

Available Additional Services, Non- Medical Advance of Cash Emergency Message Relay Phone Interpretation and Translation Services Advance of Bail Pre-trip/travel information Cultural Information Ski reports, etc.

Available Benefits Additional medical and transport coverage – inbound and outbound – optional to the member. Web-enabled Services Security Services – Alert Headlines – Country/City Profiles – Political Evacuation Nurse Hotline Identity Theft Assistance

International Medical Referrals Security Services ID Theft Assistance Medical Management Evacuation Visit by family member/friend Return of Traveling Companion Nurse hotline Security briefs ID Theft Assistance Return of Mortal Remains Repatriation Political Evacuation ID Theft Assistance US Medical Referrals Travel Agency Advance of Medical Payment Advance of Cash Prescription Transfer Vehicle Return Pet Return Lost Baggage/Items Lost Passport Cultural Information Embassy/Consular Referrals Web Enabled Services Legal Referrals Phone Interpretation and Translation Claims settlements PPO Discounting COMPLEXCOMPLEX SIMPLESIMPLE Before STANDARDSTANDARD AfterDuring Comprehensive Travel Assistance MedicalNon-MedicalAvailable

Medical Case Flow Process Medical Contact (MD to MD)  Assessment of patient condition  Transport recommendation  Update to ACE advising of travel recommendation as applicable WA Coordinator  Opens file, obtains info  Notifies via phone call and/or e- mail Franz Jost.  Obtains MC/RNC as quickly as possible.  Provides continuing feedback to Franz Jost and manages updates. Transport Coordination  Coordinator arranges transport  Contacts providers for update  Provides payment guarantee/ coordination  Arranges receiving end  Coordinates admission  Conducts follow-up on transport  Periodic updates to ISE throughout Call from Member/ Friend In-patient Repatriation Evacuation  WA advises claim to be submitted to ISE Card.  Up to $2,000 expense guarantee  WA may guarantee inpatient/outpatient expenses with approval from Franz Jost up to designated amount.  WA re-invoices ISE in case of advance  Provider bills reviewed and payments prepared  WA bills ISE (med. necessary transport) or member (on request)  EOB and check mailed to provider/patient General Notes & Protocol  Standard toll free/collect number  WA authorized by to arrange for emergency transport services after verification of eligibility  Up to $5,000 coverage  Member has up to $2,000 in medical expense coverage. Adjudication not through WA. Payments to Providers of Medical Transports Review and settlement to WA Claims reports, case management reports to ISE upon request  Continued Medical Monitoring  WA updates Franz Jost  Closes case file once resolved (no medical expense involvement) No Transport Nurse Contact (RN to MD/RN) (Applies if invasive procedure)  Contacts provider for information/coordination  Updates to Franz Jost  Follow up Outpatient Medical Claim

For more information: Please contact Helmut Terjung Director of Client Services

Thank You!