Oct. 7, 2002

Georgia Board of Regents Chooses HTH Worldwide Health Plan for International Students and Scholars at 34 Campuses

Radnor, PA (October 7, 2002) -- HTH Worldwide, the leading provider of international health programs and online health and security information to the international education community, announced today that it has been awarded a contract by the University System of Georgia Board of Regents to make available insurance and online health information to nearly 14,000 international students and scholars at all of its 34 institutions. Georgia is the third statewide contract that HTH Worldwide holds. HTH Worldwide currently serves more than 300 university and other institutional clients.

Every year, nearly 1 million international students enter the U.S., and 200,000 U.S. students study abroad. International education continues to grow steadily despite increased security concerns around the world.

"We are pleased to have negotiated a new policy option for our institutions to consider in providing health insurance services to our international students," said Richard C. Sutton, Ph.D., Senior Advisor for Academic Affairs and Director of International Programs, University System of Georgia Board of Regents.

The University System of Georgia contract enhances HTH Worldwide's position as a leader in providing international student coverage to large, state sponsored systems. Through HTH Worldwide, Georgia's international students and scholars gain online access to a wide range of global health and security information as well as assistance services via innovative web-based tools at hthstudents.com. International student advisors at each campus can increase productivity and ease the burden of plan administration by using online tools for enrollment and claims functions available at hthadvisors.com.

"HTH is delighted to be chosen as Georgia Board of Regents' preferred provider of international health programs," said Elaine Del Rossi, Chief Sales Officer, HTH Worldwide Insurance Services. "We intend to meet the special demands of an extensive state system while providing the innovative and personalized customer service and support for which we are known."

HTH recently announced its expansion into online banking through an agreement with the TheBancorp.com Bank, a FDIC Insured financial services company. This arrangement enables HTH to offer a full range of banking products and services through a customized website, HTHWorldwideBank.com, which expands HTH's online tools and resources for the international student and traveler.

HTH is the leading provider of primary health insurance for over 120,000 international students and also provides web-based personal health and security knowledge tools to thousands of global business and leisure travelers. The company's growing global online physician community gives members access to contracted providers in over 145 countries, and HTH's health and security tools cover nearly 500 popular destinations in the U.S. and abroad. www.hthworldwide.com.