1. Corporate Employee Benefits: Medical Insurance Programme MyGlobalBenefits Provided by Aviva Ltd, SingaporeAdministered by Expat Insurance Pte Ltd

2. Coverage Highlights High Annual Limits of US$2M No Deductible or Cost Sharing Required by Employee Global Coverage, excluding elective treatment in USA Full Accident & Emergency Treatment Covered in USA Fully Covered Outpatient Benefits Freedom of Choice for Care Full Coverage for all Pre-Existing Conditions

3. Summary of Core Benefits Hospitalization & Day Surgery Room & Board in Private Hospital, Single-BedFully Covered X-rays, Lab Tests, Medicine, DiagnosticsFully Covered Surgeon's Fees (includes pre & post-surgery)Fully Covered Professional & Specialist FeesFully Covered Parental AccommodationFully Covered Cancer & Kidney DialysisFully Covered Organ TransplantFully Covered Emergency Benefits Medical Evacuation & RepatriationFully Covered Local Ambulance ServicesFully Covered ER or A&E TreatmentFully Covered Dental Treatment, Accidental Damage OnlyFully Covered Outpatient Benefits Physician & Specialist ConsultationsFully Covered Prescribed Physiotherapist & Speech TherapyFully Covered Alternative Medicine: chiropractor, osteo, homeopath)$1,500 Medicine & DrugsFully Covered X-rays, Lab Tests, Medicine, DiagnosticsFully Covered Wellness Benefits, 1 visit per year$300 Cancer & Kidney DialysisFully Covered

4. Claims Process Inpatient, Hospitalisation, Surgery Call the 24-Hour Assistance Hotline: +65 6322 2567 Provide the following details: Name of Patient, Date of Birth Name of Hospital, Date of Admission, Attending Doctor/Surgeon

5. Claims Process Inpatient, Hospitalisation, Surgery Logon to: expatinsurance.com.sg/reflectgeo Download & Complete Pre-Hospitalisation Form Upon approval, Aviva will arrange for direct settlement with the Hospital/Provider.

6. Claims Process Outpatient & Reimbursement Claims Logon to: expatinsurance.com.sg/reflectgeo Download & Complete Medical Claim Form Post Claim Form & Original Invoice/Receipts to: Aviva Ltd Customer Service – Group Health Claims 4 Shenton Way, #01-01 SGX Centre 2, Singapore 068807

7. Claims Process Outpatient & Reimbursement Claims Aviva will credit your preferred bank account in the currency of your choice. *Note: All claims must be submitted within 120 days. Timeline: Upon receipt of claim form and receipts by post, Aviva will process within two weeks time.

8. Reflect Geophyscial will pay 100% of employee premiums. Employees have the option to add their Spouse and/or Children to the plan at rates subsidized 50% by Reflect Geophysical. Coverage for your Family

9. Premium for your Family Add Your SpouseAdd Your Spouse & Children USD 1,360USD 3,400 For non-USA based staff and families: For USA based staff and families: Add Your SpouseAdd Your Spouse & Children USD 3,706USD 9,235

10. Adding your Family No application or paperwork required: To add your Spouse & Children to the MyGlobalBenefits Programme, send a copy of each member’s passport to: reflectgeo@expatinsurance.com.sg Two deadlines for addition of your dependents: 1 December 2010 1 January 2011

11. Information Portal Your Personal Portal can be found at: (available from 8 November) -Employee Benefit Handbooks -Summary of Benefits, Policy Wording & Definitions -Claim Forms -Procedures -Emergency Contact Numbers www.expatinsurance.com.sg/reflectgeo

12. +65 6401 9201 reflectgeo@expatinsurance.com.sg www.expatinsurance.com.sg/reflectgeo 20 Upper Circular Road The Riverwalk, #B1-52 Singapore 058416 Questions?