Overview of Capabilities May 1, 2008

1. Overview of Capabilities May 1, 2008

2. Business Travel Overview Business travel is complex, stressful and demanding. Business travelers need a resource to assist them and peace of-mind insurance protection while they are on the road. Business travelers need AIG Travel Guard AIG Travel Guard combines 24/7 personal assistance with critical Insured benefits. We are a traveler’s Lifeline while traveling. Whatever you need, whenever you need it, AIG Travel Guard is there.

3. Business Travel Overview Health 64% of travelers develop some illness abroad1. 1 in 30 travelers require some kind of emergency care while traveling abroad 2. Convenience Domestic business travel continues to rise – increasing nearly 6% during 2006 over the previous year3. Security 30.7% of travelers surveyed fear the prospect of being mugged while traveling1. 1 Source: Journal of Travel Medicine, November 2007 2 Source: The Merck Manual for Healthcare Professionals, 2007 3 Travel Industry Association of America, 2007

4. About AIG • World’s largest insurance provider • Located in 130 countries and jurisdictions worldwide • More than 110,000 employees worldwide • Member companies write a wide range of general and life insurance products for commercial, institutional and individual customers

5. What We Do Travel Insurance • Annual • Per Trip • Business plans • Medical evacuation plans Services • Medical assistance • Concierge/personal assistance • Business Assistant • Travel assistance • Pre-trip travel advice • Security assistance • “Whatever you need, whenever you need it”

6. Customer Program Examples American Express Provide 47 travel and emergency medical assistance services for 30 million card members Increased satisfaction ranking to one of their highest customer benefit plans “World Class Service” provider

7. Customer Program Examples Wells Fargo – Preferred Customer Program Personal Assistant Services Emergency Travel Assistance Personal Travel Reservation Assistance Automatic Travel Accident Insurance

8. Customer Program Examples General Electric Provide total travel bookings for their travel membership groups Designed a program of travel services and insured benefits for all members Improved member retention results

9. Customer Program Examples Walt Disney Designed travel services and insurance as a value-added guest benefit and revenue stream for Disney We have provided insurance and services since 1991

10. Our Clients CRUISE LINES Discovery World Cruises Explorer Shipping Sea Dream Yacht Club Star Clippers MEMBERSHIP GROUPS Affinion Group American Express Card Services GE Perfect Getaways Interval International Marriott Vacation Club RCI TOUR OPERATORS Abercrombie & Kent Classic Vacations Europe Express & EEI Travel Micato Safaris Off the Beaten Path Orient Express Perillo Tours Travcoa Travel Bound AIRLINE PACKAGE PROGRAMS AeroMexico Vacations Air France Holidays Delta Airlines Vacations South African Airways Holidays Southwest Airlines Vacations Transat Holidays United Vacations Virgin Atlantic Vacations CRUISE SPECIALISTS All Aboard Travel America’s Vacation Store Cruise.com Cruise411 Encore Cruises National Leisure Group AIRLINES Air Asia American Airlines (Japan) ANA British Airways Cathay Pacific DHL flybe Frontier Airlines Hawaiian Airlines JAL JetStar Lan Chile Airlines Qantas Singapore Airlines SkyBus Spirit Airlines Sun Country Airlines Thompson Fly/TUI Tiger Airways Virgin Atlantic Wizz Air • RESORTS & LODGING • Bahia Principe • Club Med • SuperClubs • Walt Disney Travel Company • STUDENT TRAVEL • Hostelling International • Jump Street Educational Tours • MPO Educational Tours • Rainbow Educational Tours • School Voyageurs • Schoolgrouptravel.com • STA • StudentCity.com • PROPERTY MANAGEMENT • Breckenridge Resort Chamber • Carolina Designs Realty • Century 21 Thomas • Corolla Classic Vacations • Delaware North Co. • Park City Mountain Reservations • ResortQuest International • Seaside Vacations, Inc. • Twiddy & Company • Vail – Beaver Creek INTERNET TRAVEL 1800 CheapSeats CarRentals.com Cheap Tickets (Cruise) CheapCarribean.com Columbus Direct Cruise.com Disney.com EasyClickTravel.com EzRez Expedia GoToday.com HyperTech Solutions ICruise.com InsureMyTrip.com Kantetix OneTravel.com Opodo Orbitz (Cruise) Priceline Revelex Rooms.com SinglesCruise.com Trav Tech Travelocity WalMart.com Yahoo! Travel (Cruise)

11. TravelINSURANCE

12. Insurance Product Overview • MedEvac (Annual or Per Trip Program) • Business Travel Guard (Annual Program)

13. Insurance Products Travel Guard MedEvac • Transportation home or to hospital of choice • Medical expense coverage • Emergency medical assistance & evacuation plan sold on an annual or per trip basis • Coverage to second home • MedEvac Plus option to add on other insurance features such as trip cancellation, baggage & delay coverage on a per trip basis

14. Insurance Products Business Travel Guard • $2,500 Trip Interruption (return air only) • $1,500 Trip Delay ($150/day/5 hour delay) • $500 Missed Connection • $2,500 Baggage & Personal Effects – covers business items • $1,000 Baggage Delay ($100/day) • $50,00 Medical expense coverage • $25,000 Accidental Death and Dismemberment • $500,000 Evacuation (maximum 2 per year) • Transportation home or to hospital of choice • Emergency Travel Assistance • Emergency Medical Assistance • Worldwide Travel Assistance • Concierge Services • Business Assistant • Personal Security Assistance • Optional trip cancellation insurance

15. AssistanceSERVICES

16. Travel Medical Assistance Emergency medical evacuation transportation assistance Physician/hospital/dental/vision referrals Repatriation of mortal remains Return travel arrangements Emergency prescription replacement Dispatch of doctor or specialist Medical evacuation quote In-patient and out-patient medical case management Qualified liaison for relaying medical information to family members Arrangements of visitor to bedside of hospitalized insured Eyeglasses and corrective lens replacement assistance Direct billing to medical providers Medical cost containment/expense recovery and overseas investigation Medical bill audits Shipment of medical records Medical equipment rental/replacement

17. Travel Emergency Assistance • Flight re-bookings • Hotel re-bookings • Rental vehicle booking • Emergency return travel arrangements • Roadside Assistance • Rental Vehicle Return • Guaranteed hotel check-in

18. Worldwide Travel Assistance Lost baggage search; stolen luggage replacement assistance Lost passport/travel documents assistance ATM locator Emergency cash transfer assistance Travel information including visa/passport requirements Emergency telephone interpretation assistance Urgent message relay to family, friends or business associates Up-to-the-minute travel delay reports Long-distance calling cards for worldwide telephoning Inoculation information Embassy or Consulate Referral Currency Conversion or purchase Up-to-the-minute information on local medical advisories, epidemics, required immunizations and available preventive measures Up-to-the-minute travel supplier strike information Legal referrals/bail bond assistance Worldwide public holiday information

19. Concierge Services Restaurant referrals and reservations Event Ticketing Ground transportation coordination Golf tee time reservations and referrals Wireless device assistance Latest worldwide weather and ski reports Floral Services Latest sports scores Find, wrap, and deliver one-of-a-kind gifts Movie and theater information Latest stock quotes Special occasion reminders and gift ideas Lottery results Local activity recommendations

20. Business Assistant Emergency dictation and business correspondence assistance Business service location assistance (quick printers, internet cafes, overnight delivery, etc.) “411” Global Directory Service Wireless accessory replacement assistance Business conference call coordination Urgent messaging to clients, colleagues and family members Up-to-the minute travel delay and departure reports Driving and walking directions worldwide Emergency return travel arrangements

21. Personal Security Assistance Security Security and safety advisories, global risk analysis and consultation specialist Deployment of consultants to extract client to safety SMS alert messaging Confidential storage of personal and medical profile for use in emergency situations Immediate security support On-line security web information Identity Theft Assist Identity theft victim by ordering and reviewing credit bureau records on their behalf Investigate financial accounts where identity theft is suspected Interact with law enforcement to pursue prosecution of criminals Review account activity to identify any suspicious activities Review and resolve victim’s issues

22. AIG Travel Guard Difference • We never close – open 24 hours a day, 7 days a week • All calls answered within 30 seconds • Staffed for general Customer Service, Travel service and Emergency Medical service • Medical referrals and assistance provided within 5 minutes and assistance continues until the emergency has ended and the client has returned home • Claims are initiated on the first phone call • All claims checks mailed within 24 hours of receipt of final documentation • 90% of all claims paid within 14 days • “The Fairness Principle”

23. AIG Travel Guard Difference • Customer service is our expertise and we strive to provide astonishing customer care • Unique “wrap-around” assistance philosophy cannot be matched by any other company • Every assistance call is handled with extreme attention to detail

24. Contact Data Susan Weiss Director of Sales AIG Travel Guard 800-826-7791 ext. 13590 715-340-3411 Susan.Weiss@AIG.com