1. 2007 International Conference Washington, D.C. ~ November 7-9, 2007 Beat the Clock! New Hopes and Risks in Anti-Aging Medicine

2. Beat The Clock! Panel Members  MODERATOR: Ron Rumin, Vice President Worldwide Facilities  Cynthia Hine, Vice President Hylant Group  Nancy Huddlestun, AVP & Senior Underwriter General Star  Kathleen Johnson, Senior Claims Attorney Shand Morahan & Company  Edward Kuhn, Owner & Agent Liability Insurance Solutions  Dr. Charles Turner, Owner & Practitioner Innovative Medicine

3. Good Morning The goal for this morning is to better understand the fastest growing segment in the healthcare arena… Medi-Spas

4. Origin of Medi-Spas 5 years ago Medi-Spas were unheard of… Today, it is the new Starbucks… there is one on every corner

5. BOTOX Babe

6. Types of Medi-Spas There are 3 basic categories of Medi-Spas: 1.Aesthetics / Cosmetic Spas Botox Injections Dermal Fillers / Creams Lasers Chemical Peels and Microdermabrasion Cellulite Treatments Contour threadlifts

7. Types of Medi-Spas (cont’d) 2. Wellness/Preventative Medicine Spas Healthy Aging Stress Management Smoking Cessation Weight Management Disease Screening Exercise Immunizations

8. Types of Medi-Spas (cont’d) 3. Anti-Aging/Alternative Medicine Nutritional Supplements Ayurvedic Therapies Biomagnetic Therapy Acupuncture

9. Underwriting the Risk How is this new type of “Facility” changing the way Underwriters underwrite?  Key underwriting considerations Medical Director Documents Procedures Who are the practitioners?

10. Underwriting the Risk (cont’d)  Claims View When Underwriting Documentation What types of procedures? Who performs them? How are they credentialed?

11. Prospective Insureds & the PL Marketplace Who are the prospective Insureds? Overview of the Professional Liability marketplace for these accounts

12. What is a viable Medi-Spa Account? What are the markets willing to write?  Medical Director Only Physician vs. Non-Physician Owned  True Medi-Spa  Integrative Practice Physicians in Transition

13. Claims Perspectives What types of claims are Medi- Spas generating?  Burns  Hyperpigmentation  To the extreme: Death Cases

14. Just a Fad, or Here to Stay?? What’s the future? Crystal ball time  Market saturation  Financial issues

15. Open Forum What do YOU think?

16. Thank you for Coming Special “Thank You” to the Panel Members Who participated today