European Large Corporate Offering Aetna Global Benefits

[Presentation Topic Title Goes Here] New partnership — new possibilities § New partnership of AGB and Goodhealth — leveraging the best of both worlds § Largest U. S. -based expatriate insurer with over 335, 000 members in over 100 countries – Global presence, local footprint: Dubai, Shanghai, London, Ireland, Hong Kong, Jakarta and the U. S. – One-stop solution for globally-mobile employees – Comprehensive products and services – Targeted and flexible offerings – Next generation of first-class service – Focus on total health and quality of care 2

[Presentation Topic Title Goes Here] Moving up in the world …together § New force in the global marketplace delivering MORE together! – More products – More global presence – More local knowledge – More service capabilities – More clinical knowledge – More resources – More data and technology – More diversity 3

Why an international plan? Healthy employees = successful assignments Compensation and benefits are key to the success of expatriate assignments Carefully selected and simplified global benefits package + Appropriate and prompt handling of member health concerns Successful Assignment 4

[Presentation Topic Title Goes Here] Top expatriate concerns* ISSUE Relocation Pre-Trip Planning: • Web-based tools • International Health Advisory Team Cost of living Direct-settlement of high-cost, complex medical procedures Repatriation • Up to 90 -day extension of policy upon return home • Consistent access to care Family issues *Results from AGB Demonstrated Value project AGB SOLUTION • Provide employee assistance cover for employees and families • Comprehensive routine care cover for all members Cultural training • Help assignee to overcome language barriers for treatment • Support from a multilingual staff • Online tools including medical phrase and drug translation databases, cultural and travel tips and security information Support system • Integration of global resources and strategic partners to assist assignees with escalated health issues while overseas • Toll-free telephone service provided to all members and providers 24 X 7 X 365 5

[Presentation Topic Title Goes Here] Top employer concerns* ISSUE Serving employees 24/7 member support: • Reduces administrative burden • Peace of mind • Consistent, quality of care across all employee populations Cost of assignment *Results from AGB Demonstrated Value project AGB SOLUTION • Competitively priced • Bespoke benefit portfolio • Consumer approach puts employer in the driver’s seat Repatriation • Up to 90 -day extension of policy upon return home • Consistent access to care • Lessening of administrative and cost burden of switching employees to new plan Compensation & benefits • Dedicated Implementation Manager to oversee the organisational installation easing the burden on the employer and HR team • Dedicated account manager to work directly with the employer to obtain/maintain total benefit satisfaction • Multiple plan design, funding and pricing options available to meet the employer’s specific needs 6

[Presentation Topic Title Goes Here] Aetna: It begins with the people who use our services Aetna’s Values 7

[Presentation Topic Title Goes Here] The AGB experience Flexibility THE MISSION… Innovation The AGB Experience Building global connections for healthy and successful international assignments Integration First-class service 8

[Presentation Topic Title Goes Here] Inside the AGB experience § Flexibility – Plan design options – Customisable benefits solutions § Innovation – Solutions for international assignment concerns through Demonstrated Value research – International Health Advisory Team (IHAT) – Global presence with direct-settlement contracts in countries important to our members – Wellness, disease management and maternity management tools and resources § Integration – Dedicated account management, single solution (one rate, one bill, one claim platform), plan portability, single point-of-contact, easy access to care § First-class service for members and employers 9

[Presentation Topic Title Goes Here] Suite of products and programmes Flexible plan designs deliver personalised solutions § Customisable medical cover with optional features of Dental, Prescription Drugs and Vision § Wide array of additional products and services: – Emergency Assistance – Life – Long-term Disability (LTD) – Accidental Death and Personal Loss (AD&PL) – Informed Health Line® – International Employee Assistance Programme – International Disease Management and International Maternity Management Programmes 10

[Presentation Topic Title Goes Here] Solutions across all stages of health 11

[Presentation Topic Title Goes Here] A holistic view of health and wellness § International Health Advisory Team (IHAT) – Integrated model of clinical resources to assist members in eliminating barriers to accessing care – Single point of contact for all member health needs across continuum of care and stages of assignment § International Disease Management Programme: diabetes, asthma, coronary artery disease – Voluntary programme, tailored support through IHAT for managing chronic condition and accessing care and medications across borders § International Maternity Programme – Voluntary programme, tailored support through IHAT providing resources and support for planning for a healthy pregnancy and delivery 12

[Presentation Topic Title Goes Here] Dedicated service and support Employers § Designated Account Management § Local support § Single point of contact for case installation § Satisfaction measurement tools § Friendly service, responsive delivery § Tools and resources for benefits programme management 13

[Presentation Topic Title Goes Here] Dedicated service and support Members § 24/7, multilingual global member service — we’re awake when they’re awake! § Claim reimbursement in 100+ currencies § Cheque, wire and electronic funds transfer (EFT) capabilities § International Health Advisory Team (IHAT): pre-trip planning, case management and more § Secure website at www. aetnaglobalbenefits. com – Pre-trip planning tools – Security and health news – International provider directory – Claim forms and claims data – Wellness Centre 14

[Presentation Topic Title Goes Here] Why AGB An open road to a world of unlimited possibilities § 30+ years international expertise § 97 percent client retention for the past eight years § “Best of two worlds” with AGB and Goodhealth – 1, 200+ customers – 325, 000+ members in 100+ countries – Comprehensive portfolio – Global reach, local support § Consultative and strategic solutions § Next generation service philosophy 15

[Presentation Topic Title Goes Here] About us About Aetna Global Benefits (AGB), the international division of Aetna Inc. , is a provider of comprehensive health benefits solutions for multinational employers and government agencies. AGB's offerings include medical, dental, vision, life, disability, emergency assistance and health management programs for employees and high net worth individuals who live, work or travel internationally. With the recent acquisition of Goodhealth Worldwide, AGB is the industry's largest and most prominent U. S. -based international benefits carrier, supporting more than 350, 000 members worldwide from offices throughout the U. S. , Europe, Asia and the Middle East. Aetna Health Insurance Company of Europe Limited, trading as Aetna Global Benefits, is regulated by the Irish Financial Regulator and is a member of the Aetna group of companies, a wholly owned subsidiary of Aelan Inc. Goodhealth Worldwide (Europe) Limited. Registered Address: 76 Shoe Lane, London EC 4 A 3 JB. Registered in England & Wales. Registered No. 04548434. FSA Registered No. 310030. An Aetna Company. Authorised and Regulated by the Financial Services Authority. Plans and programmes are offered, underwritten or administered by Aetna Health Insurance Company of Europe, Ltd. , Aetna Life & Casualty (Bermuda) Ltd. or Aetna Life Insurance Company (Aetna). 16