1. hth Global Health Solutions

2. Agenda About HTH Worldwide Global Health & Safety Services Product Overview Market Opportunities Questions & Answers HTH Worldwide – Agenda

3. HTH Worldwide – Who We Are Leader in helping international employees, students and travelers to identify, access, and pay for quality health care anywhere in the world. What Is HTH Worldwide? HTH currently serves 650,000 globalists

4. September 21, 2006 Religious Riots Break Out in Nigeria Doctor Search City Health Profiles Health Security News Personal Profile and Scheduling Security Profiles Drug Translation Global Health and Safety Databases and Tools

5. Doctor Search Personal Profile & Scheduling Health Security News Drug Translation City Health Profiles Security Profiles Instant Access to Global Resources

6. HTH: Licensed and Admitted All HTH Worldwide plans are Filed and Admitted in the U.S. Better Protection- Regulated under U.S. health laws, E&O coverage Better Benefits- Plain English Definitions, No gray areas Better Service- Elite doctors, appointment scheduling, direct pay Selling Admitted Plans = Peace of Mind HTH Worldwide – Products

7. Travel Medical- Long term Global Citizen: Annual renewable health insurance for long-term episodes of international living: Available to U.S Residents (citizens and foreign nationals) Three tiers of coinsurance 100-80-60 Global Navigator: Annual renewable health plan designed specifically to fit the budget and lifestyle of marine/crew and missionary market: Affordable monthly premium with no loading. No limit on time spent in or out of the U.S. HTH Worldwide – Products

8. Travel Medical- Long term Global Student & US Students Abroad: Renewable health insurance for International Study Available from 1 month - 4 years Available for students up to 64 years of age Less than $50 per month HTH Worldwide – Products

9. Travel Medical- Short term TravelGap Single Trip: travel medical policy with sickness, accident and medical evacuation benefits. Covers illness or injury due to terrorism Pre-existing conditions coverage available Travel Gap Excursion (primary required/covers prex) Travel Gap Voyager (no primary/no pre-ex) TravelGap Multi Trip- annual multi trip health insurance for frequent travelers. Unlimited trips throughout the year (70 day max./trip) One time yearly premium ($89-$199 yearly premium) HTH Worldwide – Products

10. Travel Protection TripProtector- Comprehensive travel insurance to protect your vacation investment. Does not exclude sporting events. Rich medical benefits included (Travel Gap Excursion) Pre-Existing Condition Exclusion is waived if payment is received within 24 hours of final payment. HTH Worldwide – Products

11. Case Study Location: Vietnam Symptoms: Abdominal Pain Outcome: Evacuation to Thailand HTH Worldwide Value: Premium paid for TravelGap® Excursion $23.00 HTH Worldwide – Case Study September 21, 2006 Religious Riots Break Out in Nigeria Clinic services in Vietnam: $1,788.00 Air evacuation to Bangkok: $45,000.00 Hospital care in Thailand: $28,523.00 Patient and non-medical escort: $11,232.00 Total Incurred Expenses $86,543.00

12. HTH Agent Hub Login today at www.hthtravelinsurance.com and select “Agents”www.hthtravelinsurance.com Our password protected agent service center gives you access to: –Your sales history and accumulated commissions –Electronic member ID cards and claim forms –Detailed product FAQs –Customized PDF brochures and flyers –Request forms for print brochures –Online banner ads –PowerPoint presentations –Compelling customer testimonials –The quarterly Compass Newsletter –Global Citizen underwriting guidelines and quoting tools –Webinar archive and registration for upcoming events HTH Worldwide

13. Questions and Answers HTH Worldwide – Plug & Play Customer Service Toll free from inside the US: 888.243.2358 Outside the US (Collect): 610.254.8772 Email: customerservice@hthworldwide.comcustomerservice@hthworldwide.com Dedicated Sales Manager Jill Cappelli 1 888 243 2358 (ext. 8742) or 610 254 8742 jcappelli@hthworldwide.com Agent Support Partnerprogram@hthworldwide.com 1 888 243 2358 (ext. 8746) or 610-254-8746