Frank Gillingham

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.

HTH Worldwide is a leader in helping world travelers gain access to quality healthcare services all around the globe. HTH combines ongoing research, a contracted global community of physicians and hospitals, advanced Internet applications, and wide experience in international health insurance to ensure customers' health, safety and peace of mind. Founded in 1997 as Highway To Health, Inc., HTH Worldwide has grown to become a leading provider of international health insurance programs and an innovator in online healthcare information, medical assistance and insurance services around the globe. Presently, HTH annually provides health insurance products or services to over 650,000 individuals who travel, study or live outside of their home country. HTH Worldwide is the parent entity of Worldwide Insurance Services, Inc., d/b/a HTH Worldwide Insurance Services, a licensed broker and third party administrator, and HTH Re, Ltd., a Class 3 Bermuda-based reinsurance facility. Taken together, these resources make HTH an important specialty insurer and a leader in assisting world travelers gain access to quality healthcare worldwide. HTH specializes in insurance product development, marketing and distribution. HTH also invests in the development of unique assets to assist the global traveler, including a directly contracted international network of medical practitioners and facilities in over 180 countries outside the U.S. The Company's provider network, in combination with online tools and databases and telephonic assistance, comprise Global Health and Safety Services.