YEARS OVER OF EXPERIENCE VUMI LOCATIONS ABOUT VUMI

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2 VUMI LOCATIONS ABOUT VUMI VIP Universal Medical Insurance Group (VUMI) is an international health insurance company that offers exclusive major medical insurance products and VIP medical services to private and corporate clients worldwide. VUMI products are designed to give you unique benefits, extensive global coverage, protect your assets and most importantly give you the peace of mind that you are covered at all times anywhere in the world. Headquartered in Dallas,Texas and with additional offices across the U.S. and Latin America, VUMI is privately owned and part of an international healthcare group. The group has more than 30 years of experience in the healthcare industry and employs more than 120 professionals from multiple nationalities. VUMI AFFILIATED COMPANIES... Assured Benefits Administrators (ABA): Full service third party administrator (TPA). Independent Medical Systems (IMS): U.S. PPO network and PPO management services. National Healthcare Solutions, Inc. (NHSI): International cost-containment company servicing many of the largest insurers in the world. OVER 30 YEARS OF EXPERIENCE BY BEING PART OF AN INTERNATIONAL HEALTHCARE GROUP, VUMI OFFERS MANY UNIQUE COMPETITIVE ADVANTAGES: Expertise in U.S. and international claims management Exclusive provider discounts Own domestic and international provider and hospital networks In-house administration of benefits and costs control measures

3 FINANCIAL PERFORMANCE Since its inception, VUMI has reported profitable growth and a steady increase in clients. In 2014, VUMI had its best year reporting a revenue growth of 190% and a client increase over 250%. VUMI and its affiliated companies reported revenues in 2014 of US$18.1 million and a projected revenue of US$39 million for KEY FINANCIAL RESULTS VUMI consolidated revenue for 2014 exceeded US$12.5 million in the international insurance portfolio resulting in a 190% growth compared to VUMI and its affiliates processed approximately US$219 million in claims in 2014 averaging US$600 thousand per day. Combined, the group has 79,205 clients providing coverage to nearly 50M individuals worldwide. THE VUMI ADVANTAGE A remarkable VIP experience that cares for you OUR COMMITMENT TO YOU: A full range of premium services and products A highly dedicated and responsive team accountable to your needs A company that is committed and investing in the Latin America and Caribbean markets Service in multiple languages including Spanish, English, and Portuguese VUMI and its affiliated companies adjusted 2014 EBITDA was approximately US$2.8 million. More than a 250% growth in international insured clients compared to VUMI REVENUE SECOND MEDICAL OPINION VIP A peace of mind for you Remote access to the expertise of a worldwide network of over 50,000 renowned medical specialists. Receive a comprehensive report that includes the opinion of specialists, chosen specifically for each case on the medical condition, with recommendations of diagnosis and treatment plan. Ability to make informed decisions about the treatment to follow. A VUMI doctor who will be an intermediary to guide you through the process and help you understand the results Personalized service in which VUMI doctors will guide you through the underwriting, claim and Second Medical Opinion processes: VUMI doctors available by phone or Skype to interview clients VIP Protocol from admission to discharge Smart and flexible underwriting with multiple options to the applicant Immediate response to the underwriting evaluation Reasonable premium renewal increases due to effective cost control Hospital providers affiliated in 5 continents Loyalty program that eliminates deductible over the years Wellness program that includes preventive care and Bariatric Surgery benefits

4 OPERATING PARTNERS Jackson International links patients in need of expert treatment for complex medical and surgical care with one of the top-rated health systems in the United States. Advance Medical is a leading international healthcare services provider of expert second medical opinions. STRENGTH & PROTECTION YOU CAN TRUST VUMI products are reinsured by PartnerRe, a leading global reinsurance company with more than 20 years of experience providing multiline reinsurance to major insurance companies worldwide. PartnerRe is financially solid and has strong credit ratings including A+ by A.M. Best, A1 by Moody s amongst others. In 2014, PartnerRe s total revenues were $6.5 billion. At March 31, 2015, total assets were $22.5 billion with a total capital of $8.0 billion. VUMI is a debt free company that has adopted and incorporated strict capitalization policies and cost-control measures and employs licensed actuaries, insurance managers and certified public accountants. VIP Universal Medical Insurance Group, Ltd. (VUMI) is registered in the Turks & Caicos Islands (TCI), a British Overseas Territory, controlled and regulated by the United Kingdom. A leading international consulting, financial advisory and accounting organization with a global network of 1,328 offices in 151 countries. A leader in the management of prescription benefits with more than two decades in the market with a network of 60,000 pharmacies in the USA, including major nationwide retail chains like Walgreens, Wal-Mart and CVS. A.M. Best A+ Moody s A1 Standard & Poor s A+ Fitch CREDIT RATINGS AA- VUMI is a company headquartered in Dallas, Texas. In any case of discrepancy, controversy, claim or disagreement, the appealing and arbitration process will take place in Dallas. TCI has a strong legal system based on the English common law and a insurance legislation that provides both flexibility to accommodate client needs, and protection from a secured government that is highly regulated and supported by the United Kingdom. It also uses the US dollar as its currency, has no income, capital, inheritance or general sales tax. Approximately, 20,000 offshore enterprises are licensed in T&C which includes more than 3,000 insurance companies and intermediaries. The TCI regulators follow the financial standards of the National Association of Insurance Commissioners (NAIC), an association of the U.S. State regulators. One of the world s largest providers of actuarial and related products and services. System integration services with more than 20 years of experience worldwide. CONTACT US info@vumigroup.com Telephone number: Main Toll Free: VUMI (8864)

5 VIP Universal Medical Insurance Group, Limited Insurance Company registered in Turks & Caicos Islands, a British Overseas Territory. Administration services provided by VIP Universal Medical Insurance Group, LLC. a company registered in Dallas, Texas USA N. Central Expressway. Suite Dallas, TX Telephone number: Main Toll Free: VU MI (8864) Fax: USA Toll Free Fax: i n f v u m i g r o u p. c o m w w w. v u m i g r o u p. c o m