Brokers Web Health Insurance Affiliate Program Generate More Revenue for Health Insurance Queries Health Insurance PPC Advertising through HealthCare.com November 2008

Brokers Web PPC Advertising Network Only health insurance-specific pay-per-click affiliate program 250+ advertisers with coverage across all categories and states Network anchored by HealthInsuranceFinders.com Affiliate program extends PPC ads to 3rd-party websites Highest rate of monetization for health insurance queries Every click on a paid listing represents revenue to our partners No forms nor personal information required to generate revenue Gross average of $ 4 per click on paid listings across Brokers Web (1) HealthCare.com pays affiliates from gross CPC revenue on a r evenue-share model , providing market-based value for clicks generated Current bid prices are available real-time at http://www.brokersweb.com/allbids.aspx . Average gross CPC for the Individual/family category, the relevant comparison point against competing health insurance affiliate program was $4.63 per click in October 2008.

Only health insurance-specific pay-per-click affiliate program

250+ advertisers with coverage across all categories and states

Network anchored by HealthInsuranceFinders.com

Affiliate program extends PPC ads to 3rd-party websites

Highest rate of monetization for health insurance queries

Every click on a paid listing represents revenue to our partners

No forms nor personal information required to generate revenue

Gross average of $ 4 per click on paid listings across Brokers Web (1)

HealthCare.com pays affiliates from gross CPC revenue on a r evenue-share model , providing market-based value for clicks generated

Current bid prices are available real-time at http://www.brokersweb.com/allbids.aspx . Average gross CPC for the Individual/family category, the relevant comparison point against competing health insurance affiliate program was $4.63 per click in October 2008.

How It Works Users choose: 1) Health insurance category 2) Location (city or zip), and 3) Hit “Get Quotes” button Users returned with paid listings of providers of health insurance quotes who pay on a CPC basis to be shown on category and location-specific search results "Click-Through-Rate" on paid listings (after search is initiated) varies across affiliate partners and is a function of query quality Average CTR across Brokers Web network was 110% in October 2008

Users choose:

1) Health insurance category

2) Location (city or zip), and

3) Hit “Get Quotes” button

Users returned with paid listings of providers of health insurance quotes who pay on a CPC basis to be shown on category and location-specific search results

"Click-Through-Rate" on paid listings (after search is initiated) varies across affiliate partners and is a function of query quality

Average CTR across Brokers Web network was 110% in October 2008

Example of BW Affiliate Implementation http ://www.healthcare.com/health-insurance-quote / 1 Note: While HealthCare.com owns Brokers Web, the implementation of Brokers Web on www.healthcare.com uses the same partner codes that are available to third-party BW affiliates. Health Insurance Search Landing Page Health Insurance Search Results Page

http ://www.healthcare.com/health-insurance-quote / 1

Note: While HealthCare.com owns Brokers Web, the implementation of Brokers Web on www.healthcare.com uses the same partner codes that are available to third-party BW affiliates.

Why Does It Work? Targeted nature of Brokers Web network yields the highest conversion rates for health insurance advertisers Advertisers willing to pay premium CPCs on BW's bidding platform HealthCare.com is dedicated to consistent click quality for our advertisers and chooses its affiliates carefully End result is an efficient advertising marketplace and ecosystem in which all sides are generating value Brokers Web Affiliate Health Insurance Advertisers Quality Clicks Sales Conversions Premium CPCs Revenue Share on Click Revenue PPC Marketplace

Targeted nature of Brokers Web network yields the highest conversion rates for health insurance advertisers

Advertisers willing to pay premium CPCs on BW's bidding platform

HealthCare.com is dedicated to consistent click quality for our advertisers and chooses its affiliates carefully

End result is an efficient advertising marketplace and ecosystem in which all sides are generating value

Brokers Web CPC Bid Rates BW commands the highest health insurance CPC rates on the web Real-time bid rates available at http :// www.brokersweb.com/allbids.aspx Bids vary by category and by state, with a unique auction for each combination of insurance category and state Certain auctions routinely average greater than $10 per click for top bids No other PPC platform provides a comparable level of visibility Average gross CPCs across all states in October 2008: Category CPC Individual and Family $4.63 Short-Term $3.37 Group $3.18 Student $3.83 Medicare Supplemental $1.91 Dental $0.52

BW commands the highest health insurance CPC rates on the web

Real-time bid rates available at http :// www.brokersweb.com/allbids.aspx

Bids vary by category and by state, with a unique auction for each combination of insurance category and state

Certain auctions routinely average greater than $10 per click for top bids

No other PPC platform provides a comparable level of visibility

Average gross CPCs across all states in October 2008:

Affiliate Implementation Options BW provides options for the level of implementation it desires Partners able to integrate 100% of BW's health insurance search capability on partner's website User will never leave partner's site HealthCare.com delivers pre-packaged web files for easy implementation Partner can further customize in accordance with their preferences For partners who cannot allocate technical resources for hosted option, partner can redirect traffic to HealthInsuranceFinders.com and still receive credit as affiliate The table on the following slide outlines the three types of implementations: "Light" implementation "Branded – Standard" implementation "Branded – Custom" implementation

BW provides options for the level of implementation it desires

Partners able to integrate 100% of BW's health insurance search capability on partner's website

User will never leave partner's site

HealthCare.com delivers pre-packaged web files for easy implementation

Partner can further customize in accordance with their preferences

For partners who cannot allocate technical resources for hosted option, partner can redirect traffic to HealthInsuranceFinders.com and still receive credit as affiliate

The table on the following slide outlines the three types of implementations:

"Light" implementation

"Branded – Standard" implementation

"Branded – Custom" implementation

Affiliate Implementation Options (cont’d)

Fully-Transparent Online Reporting BrokersWeb.com Hourly-updated reporting on partner performance Detail by queries, clicks and revenue, segregated by URL Partner may also export report into spreadsheet file (see below)

BrokersWeb.com

Hourly-updated reporting on partner performance

Detail by queries, clicks and revenue, segregated by URL

Partner may also export report into spreadsheet file (see below)

BW vs. Competing Health Insurance Programs Competing health insurance programs offer one embedded monetization source with fixed-pricing In contrast, Brokers Web has hundreds of health insurance marketers bidding for top placement at any given time Competition works in your favor in an efficient ad marketplace Brokers Web is the most efficient ad marketplace for health insurance 250+ advertisers bidding for top positions Advertisers use an ROI-driven approach to online marketing Advertisers pay premium CPCs because BW clicks convert higher for them Market-Based Value for Your Health Insurance Queries

Competing health insurance programs offer one embedded monetization source with fixed-pricing

In contrast, Brokers Web has hundreds of health insurance marketers bidding for top placement at any given time

Competition works in your favor in an efficient ad marketplace

Brokers Web is the most efficient ad marketplace for health insurance

250+ advertisers bidding for top positions

Advertisers use an ROI-driven approach to online marketing

Advertisers pay premium CPCs because BW clicks convert higher for them

BW vs. Competing Health Insurance Programs BW pays based on valid clicks (no forms, no registrations, etc.) Partners achieve the highest rate of monetization Coupled with Brokers Web’s industry-leading CPC rates , BW generates the highest expected affiliate payouts Per-Click versus Per-Lead & Per-Application, “It’s all about the math” Expected Revenue = Queries * Rate of Monetization * Payout

BW pays based on valid clicks (no forms, no registrations, etc.)

Partners achieve the highest rate of monetization

Coupled with Brokers Web’s industry-leading CPC rates , BW generates the highest expected affiliate payouts

Affiliate Revenue Share HealthCare.com pays affiliates on a revenue-share basis True partnership model Reporting provides full-transparency on revenues generated together Tiered revenue share payout based on generated gross click revenue and click quality 50% starting point 55% when gross click revenue for the previous month exceeds $10,000 60% when gross click revenue for the previous month exceeds $30,000 NOTE: Click quality by affiliate is tracked closely HealthCare.com closely tracks conversions for Brokers Web advertisers Conversions tracked for each click generated by affiliates Conversion tracking is necessary because premium CPCs imply highest-converting clicks HealthCare.com will communicate directly with affiliates whose click quality becomes an issue

HealthCare.com pays affiliates on a revenue-share basis

True partnership model

Reporting provides full-transparency on revenues generated together

Tiered revenue share payout based on generated gross click revenue and click quality

50% starting point

55% when gross click revenue for the previous month exceeds $10,000

60% when gross click revenue for the previous month exceeds $30,000

NOTE: Click quality by affiliate is tracked closely

HealthCare.com closely tracks conversions for Brokers Web advertisers

Conversions tracked for each click generated by affiliates

Conversion tracking is necessary because premium CPCs imply highest-converting clicks

HealthCare.com will communicate directly with affiliates whose click quality becomes an issue

Getting Started Complete online registration form at on Brokers Web at: https:// www.brokersweb.com/appexsignup.aspx?signup=aps HealthCare.com will approve registrations for relevant affiliate registrations For any additional questions, Email [email_address] , or Contact Us at http:// www.brokersweb.com/Contact_us.aspx Howard Yeh VP, Corporate Development HealthCare.com, Inc. [email_address] (786) 472-2966

Complete online registration form at on Brokers Web at: https:// www.brokersweb.com/appexsignup.aspx?signup=aps

HealthCare.com will approve registrations for relevant affiliate registrations

For any additional questions,

Email [email_address] , or

Contact Us at http:// www.brokersweb.com/Contact_us.aspx

Howard Yeh

VP, Corporate Development

HealthCare.com, Inc.

[email_address]

(786) 472-2966

Appendix: Affiliate Examples Health Insurance Search Landing Page http://www.wellness.com/resultpage.asp?source=wellness.com&prodid=200&st=FL&button = Wellness.com

Health Insurance Search Landing Page

http://www.wellness.com/resultpage.asp?source=wellness.com&prodid=200&st=FL&button =

Appendix: Affiliate Examples Custom search box across all content pages http://www.online-health-insurance.com / Online-Health-Insurance.com

Custom search box across all content pages

http://www.online-health-insurance.com /

Appendix: Affiliate Examples Parked domain page hosted at HealthCare.com http:// www.geteasyinsurance.com/ GetEasyInsurance.com (parked domain)

Parked domain page hosted at HealthCare.com

http:// www.geteasyinsurance.com/