Travel Risk Management Today’s Challenges in a Risky Environment April 25, 2012

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33 It’s a dangerous world

4 Source: Business Travel Report, 2007 / Also cited in Global Medical Risks 86% of travelers believe that their firm has a legal obligation to support them while abroad 50% + would consider taking legal action in the event of an emergency being mishandled 38% of travelers said they never do any research on the country they visit 78% of travelers said they never carry an emergency phone number

65% of international travelers report a health problem during their trip Of these, 8% will seek medical care while traveling or immediately upon return 5 Source: Global Business Travel Association

Control Unexpected Traveler Expenses 6 Travel Delay HotelMeals U.S. $149$88 Non-U.S. $203$141 Medical Office VisitER Visit U.S. $199$922 Medical Evacuation International back to US $10,000 - $75,000  Who do your clients travelers call for assistance?  Who pays for it? Source: 2012 Corporate Travel Index, Business Travel News Source: US Department of Health & Human Services Source: US Department of Ste, 2011

7 Travel Guard InsuranceNumber of TravelersAgency Commission $259 (per person/per year) 100$6, $12, 950 1,000$64,750 Generate Additional Revenue Increase Your Bottom Line Competitive Advantage Annual Plan with 24/7 Assistance Services Security Evacuation Coverage Free access to Travel Security website

8 About Travel Guard North America A Chartis company Worldwide leader in travel insurance and assistance Products and services for leisure and business travelers alike, to solve problems and manage risks Emergency services through wholly- owned assistance centers in Asia, Europe and the Americas More than 2 million calls to the service centers each year

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Scott Ackerman Vice President – Sales For More Information: Catherine Tripplehorn Director of Corporate Accounts

Travel Guard, a Chartis company and worldwide leader in travel insurance and assistance, provides products and services to millions of travelers around the globe, including a wide range of emergency services through its wholly-owned assistance centers located in Asia, Europe and the Americas. Travel Guard helps leisure and business travelers alike solve problems and manage risks. Travel Guard’s global reach, unparalleled service quality and proven operational capabilities allow clients to receive best-in-class care. Travel Guard’s suite of technology platforms enables seamless integration with all major travel distribution systems and supplier channels. The travel insurance products marketed by Travel Guard are underwritten by insurance company subsidiaries and affiliates of Chartis Inc. Thank you!