Brokers Web Health Insurance Affiliate ProgramGenerate 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 queriesEvery click on a paid listing represents revenue to our partnersNo 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 revenue-share model, providing market-based value for clicks generated

2

(1) 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 category2) 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

3

Example of BW Affiliate Implementation

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

4

(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 PageHealth Insurance Search Landing Page Health Insurance Search Results PageHealth Insurance Search Results Page

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

5

Brokers Web Brokers Web AffiliateAffiliate

Health Insurance Health Insurance AdvertisersAdvertisers

Quality Clicks

Sales Conversions

Premium CPCsRevenue Share on Click Revenue

PPC MarketplacePPC Marketplace

Brokers Web CPC Bid Rates

BW commands the highest health insurance CPC rates on the webReal-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 stateCertain auctions routinely average greater than $10 per click for top bidsNo other PPC platform provides a comparable level of visibility

Average gross CPCs across all states in October 2008:

6

Category CPCIndividual and Family $4.63 Short-Term $3.37 Group $3.18 Student $3.83 Medicare Supplemental $1.91 Dental $0.52

Affiliate Implementation Options

BW provides options for the level of implementation it desiresPartners able to integrate 100% of BW's health insurance search capability on partner's website

User will never leave partner's siteHealthCare.com delivers pre-packaged web files for easy implementationPartner 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

7

Affiliate Implementation Options (cont’d)

8

LLiigghhtt IImmpplleemmeennttaattiioonn BBrraannddeedd –– SSttaannddaarrdd BBrraannddeedd –– CCuussttoomm

What Is It? Simplest way of becoming a Brokers Web affiliate by directing traffic to HIF.com

Simplest way for partner to integrate BW functionality on partner’s site

Partner designs a unique look and feel using the BW functionality

How Does It Work?

- Partner provided with code for HIF.com banners or link to HIF.com

- Any activity on HIF.com from partner’s links counted as partner’s click revenue

- Partner provided with standard, pre-configured web files containing code for landing page and search results page

- Partner may further customize standard files if they so choose

- Partner provided with the codes to build a customized user experience

- Implementations permissible so long as they adhere to T’s & C’s

Branding HIF.com Partner Partner

Traffic User directed to HIF.com User stays on Partner’s website

User stays on Partner’s website

Benefits - Simplest way to integrate - Can serve as first-step

implementation

- Partner-branded and hosted solution with minimal technical resources

- Can serve as starting point for further customization and optimization

- Unique user experience - Partner can employ

proprietary testing and optimization

Fully-Transparent Online Reporting

BrokersWeb.comHourly-updated reporting on partner performance Detail by queries, clicks and revenue, segregated by URLPartner may also export report into spreadsheet file (see below)

9

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

10

Market-Based Value for Your Health Insurance Queries

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

11

Per-Click versus Per-Lead & Per-Application, “It’s all about the math”

PPeerr AApppplliiccaattiioonn AAffffiilliiaattee PPrrooggrraammss

PPeerr LLeeaadd AAffffiilliiaattee PPrrooggrraammss

BBrrookkeerrss WWeebb AAffffiilliiaattee PPrrooggrraamm

Defined Action Completed Application Qualified Lead Valid Click

Assumed Conversion Rate (% of Queries)

2% (Only applications who go through full

online application count towards revenue)

25% (Combines lead capture and lead

qualification rates)

90% (CTR on HIF.com is over 100%)

Affiliate Payout $40 per Application $7 per Lead

$2.25 per click (based on BW average for

Individual/Family clicks, net of 50% Partner revenue share)

Illustrative Affiliate Revenue per 100 Queries

$80.00 $175.00 $202.50

Expected Revenue = Queries * Rate of Monetization * Payout

Affiliate Revenue Share

HealthCare.com pays affiliates on a revenue-share basisTrue 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 point55% when gross click revenue for the previous month exceeds $10,00060% when gross click revenue for the previous month exceeds $30,000

NOTE: Click quality by affiliate is tracked closelyHealthCare.com closely tracks conversions for Brokers Web advertisersConversions tracked for each click generated by affiliatesConversion tracking is necessary because premium CPCs imply highest-converting clicksHealthCare.com will communicate directly with affiliates whose click quality becomes an issue

12

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 howard@healthcare.com, or Contact Us at http://www.brokersweb.com/Contact_us.aspx

Howard YehVP, Corporate Development

HealthCare.com, Inc.howard@healthcare.com

(786) 472-2966

13

Appendix: Affiliate Examples

Health Insurance Search Landing Pagehttp://www.wellness.com/resultpage.asp?source=wellness.com&prodid=200&st=FL&button=

14

Wellness.com

Appendix: Affiliate Examples

Custom search box across all content pageshttp://www.online-health-insurance.com/

15

Online-Health-Insurance.com

Appendix: Affiliate Examples

Parked domain page hosted at HealthCare.comhttp://www.geteasyinsurance.com/

16

GetEasyInsurance.com (parked domain)