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Note to Site Users:: As a user of hthstudents.com, you are entitled to have access to the online interactive resources and features brought to you by Highway to Health, Inc. d/b/a HTH Worldwide ("HTH"). Your online access to the HTH features shall be exclusively through HTH Advisors web site (the "HTH Site"). Prior to accessing the HTH interactive resources you must accept the terms of use set forth in this Site Use Agreement. If you agree to what you read below, you should click on the button that says "Yes, I accept the terms of the Site Use Agreement". By doing so, you indicate that you understand and intend this Agreement to be the legal equivalent of a signed, written and binding contract.

Your access to hthstudents.com is either through a direct sign in using your hthadvisors.com username and password or by linking to the site from hthadvisors.com. In either case, your first visit to hthstudents.com will require you to accept the terms of the Site Use Agreement. Through the use of a cookie, subsequent visits to the site using the same computer will not require you to re-accept the terms, although the terms will still apply. You acknowledge, agree, and warrant that you will not provide access to your hthadvisors.com password to any other individuals. You agree that any user of your Password is bound by the terms set forth in this Agreement and that you will use the interactive resources in a manner consistent with applicable laws and regulations and in accordance with the terms in this Agreement. You acknowledge and agree that the use of the term "you" or "your" in this Agreement shall apply to you as an individual user as well as any other person for whom you, on such person's behalf, are accessing HTH's online interactive resources (e.g. an advisor assisting an insured student to access the tools and services). Any person who has gained access to HTH's on-line interactive resources through your username and password shall be bound by the terms and conditions of this Site Use Agreement.

1. Relationship Between HTH and other Entities

You acknowledge that HTHand any other corporate entities through which you may gain access to the HTH Site are separate entities. Your use of the HTH resources and services shall be subject to the terms and conditions of this Agreement which is a contractual agreement between you and HTH. No other corporate entity is a party to this Agreement.

2. Agreement Between You and HTH Worldwide

HTH's range of interactive tools and resources, include the following: (i) "CityHealth Profiles(sm)" provide information about healthcare services in destinations around the World; (ii) "Doctor Search" provides you with the ability to research and identify healthcare "Providers" who have been selected by HTH to participate with HTH; (iii) "Tools" will help you obtain local prescription and over-the-counter drug translations and medical terms and phrase translations; (iv) "Security Profiles" contain destination based security information; (v) "Travel Health Info" contains news stories and features which are relevant to an international assignee and traveler; and (vi) any such other tools, services or resources developed or made available by HTH (collectively, any and all such tools, services and resources which are currently available and those which may become available in the future shall be referred to as "HTH Interactive Resources").

Certain users shall have access to additional HTH interactive services such as: (i) "Well Prepared(sm)" pursuant to which certain individuals can create an online, personalized portfolio of critical health information and initiate relationships and schedule appointments with healthcare providers in the applicable host country; and (ii) "Informed Choice(sm)" pursuant to which certain individuals, once settled in the host country, can request additional information to help them identify options for diagnosing and treating unanticipated conditions that may require specialty care (collectively referred to as "Global Access Services(sm)").

Use of the HTH Interactive Resources and Global Access Services(sm) constitute acceptance to the terms and conditions set forth herein. The services and features may be delivered to you in a variety of ways, including: (i) direct access through the HTH Site; (ii) through a link from a co-designed, co-branded website; and/or (iii) in some cases, through a customer service representative (Service Representative).

For the purposes of this Agreement, all such forms of delivery of the HTH Interactive Resources and/or Global Access Services(sm) shall be deemed to be through the HTH Site. The terms hereof apply no matter what form of delivery is actually utilized. In addition, for purposes of this Agreement, references to the HTH Interactive Resources shall be construed to include Global Access Services(sm).

3. Use of the HTH Website and HTH Interactive Resources

You agree not to use the HTH Interactive Resources, the information (including information about healthcare providers) and data of any nature whatsoever contained in the HTH Interactive Resources (all such information and data shall be referred to as the "Content") or the HTH Site for any purpose that is unlawful or prohibited by the terms and conditions of this Agreement. The Content and the HTH Site contains valuable, proprietary content owned by HTH that is protected by state, federal, and international law, including, without limitation, copyright and trade secret laws. You may use such proprietary information solely in connection with your personal, non-commercial use of the HTH Interactive Resources. Any other use is strictly prohibited.

Certain Registered Users will have the ability to communicate appointment requests to Providers (the "Appointment Request Feature"). The Appointment Request Feature is provided solely to assist you to request and to schedule legitimate medical appointments with Providers. Any speculative, false or fraudulent appointment requests are strictly prohibited. You understand and agree that overuse or abuse of the Appointment Request Feature may result in your being denied access to the Appointment Request Feature.

4. Security of the HTH Site; Use of the Internet

HTH makes reasonable efforts to maintain security of the secure server and will therefore be protected by the Secure Socket Layer (SSL) technology, utilized by most popular browsers, including Netscape and Microsoft Explorer. This technology allows HTH to use advanced encryption tools to protect information transmitted between your computer and our server. Through encryption, the personal information you enter such as your name, address, birth date and information related to why you are requesting an appointment with a physician or other healthcare provider, is converted into code so that it cannot be read as the information travels over the Internet. Despite HTH's reasonable efforts to maintain security, you acknowledge that use of the Internet is solely at your own risk and subject to all applicable local, state, national, and international laws and regulations. Actual or attempted unauthorized use of the HTH Site or the information provided by you or other parties in connection with the HTH Interactive Resources may result in criminal and/or civil prosecution. For your protection, HTH reserves the right to view, monitor, and record activity on the HTH Site without notice or permission from you. Any information obtained from monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity relating to the HTH Site. HTH will also comply with all court orders involving requests for such information.

5. Confidentiality of Information; Authority to Release Information to Providers; Use of Cookies

HTH acknowledges that, in connection with users' use of Global Access Services(sm) (i.e. Appointment Request Feature), some of the information you will provide, either directly through the HTH Site or to the Service Representative, is personal. Any and all information which you provide shall be used by HTH solely in connection with the HTH program.

You acknowledge and agree that any and all information which you provide to HTH relating to an appointment request (either directly onto the HTH Website or to the Service Representative) may be communicated (by phone, fax or e-mail using the Internet) to a Provider designated by you (which may include such Provider's office staff, appointment scheduling assistants, etc.). You acknowledge and understand that, despite the precautions set forth in this Agreement, HTH does not guarantee the confidentiality of such information. You agree to waive any rights of privacy protection, provided under federal, state or local law in connection with such authorized communications.

Even though the information you provide to HTH and/or an Provider during the appointment request process may relate to your medical condition(s), you acknowledge and agree that such information shall not constitute a medical record. As a condition to and in consideration of your ability to utilize the HTH Program, you agree that HTH shall have the authority to release (by way of telephone, fax, and/or e-mail using the Internet) any and all information which you provide, of any nature whatsoever, including but not limited to information relating to any physical and mental conditions (including, if applicable, information relating to AIDS, HIV status, and/or your psychiatric records/information) to the Provider(s) which you designate, whether or not you are ultimately seen by such Provider.

HTH uses "cookies" in connection with your use of the HTH Site. Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognize your browser so that we recognize your acceptance to the terms of this Agreement during your visit and in some cases when you return to the HTH Site.

6. Provider/Patient Relationship.

You understand that in connection with certain features of the HTH Interactive Resources HTH serves only as an intermediary that facilitates connections between Providers and patients. You acknowledge that none of the Providers are employed by or affiliated with HTH, in any way, other than with respect to their agreement to accept requests for appointments from HTH. You acknowledge that the Providers are not obligated to satisfy your appointment requests and that HTH cannot guarantee that your appointment requests will be satisfied. In addition, you acknowledge that you are under no obligation to accept appointment once it has been offered by a Provider. You acknowledge and understand that, if you are in need of emergency medical services, you should contact the local emergency medical services. HTH cannot be relied upon to make appointments in any particular timeframe. You acknowledge that any Provider which you chose to see has the sole responsibility for the professional care provided to you. HTH assumes no responsibility or liability, of any nature whatsoever, for any claims, including but not limited to medical malpractice claims, that may result from your interaction with a Provider.

You acknowledge and agree that HTH is not a medical referral service, and does not recommend or endorse any particular doctors, dentists, healthcare providers, hospitals, medical clinics, physician practices, or medical services of any kind. HTH does not offer advice regarding the quality or suitability of any particular medical treatment or remedy for any medical condition. The Content contained in the HTH Interactive Resources should not be construed, in any manner, as health or medical advice. You also understand that in inviting and accepting healthcare Providers for participation in the HTH Community of Providers, HTH relies, in part, upon information provided by third-parties, including information provided by the Providers themselves. HTH is not and cannot be held liable or responsible for inaccurate, incomplete, or misleading information (collectively, "misinformation") given to it by third parties, whether or not HTH could have discovered such misinformation. HTH does not maintain malpractice insurance coverage on behalf of any of the Providers.

You understand that HTH is not responsible or liable for any costs, expenses, or charges, of any nature whatsoever, in connection with the professional services provided to you by a Provider.

7. Terms of Use; Legal Disclaimer.

Use of any of the Content and use of the HTH Site is entirely at your own risk. The Content and the HTH Site are all provided "as is", without warranty of any kind, either express or implied to the maximum extent permitted by applicable law, including without limitation: (1) any warranties concerning the accuracy, completeness, reliability or availability of Content, products, services or results; and (2) any warranties of title or warranties of merchantability or fitness for a particular purpose.

Utilization of any of the healthcare Providers which participate with HTH or any other entities referenced in the Content or on the HTH Site shall be at your sole discretion. HTH expressly disclaims all representations and warranties and/or liability relating to all interactions, of any nature, you may have with any of the healthcare Providers or other entities referenced in connection with the HTH Interactive Resources or the HTH Site.

Any references to Providers or other entities in the Content, whether or not they participate in the HTH Provider Community, on the HTH Site, or in connection with the HTH Interactive Resources, do not constitute or imply endorsements, recommendations or referrals by HTH. The Providers do not endorse the HTH Provider Community and are not affiliated with and/or endorsed by each other. In addition, you acknowledge that the Content may not be comprehensive and that there may be healthcare services or Providers other than those referenced in the Content or the HTH Interactive Resources or participating in the HTH Provider Community that meet your medical needs.

Neither HTH nor any of its employees, agents, directors, proprietors, partners, representatives, shareholders, attorneys, predecessors, successors and assigns will be liable for any direct, indirect, incidental, special, or consequential damages (including but not limited to lost profits, and damages that result from inconvenience, delay, or loss) arising out of use of, or inability to use, the Content, the HTH Interactive Resources or the HTH Website, even if HTH has been advised of the possibility of such damages or losses and regardless of whether such damages are caused by negligence, gross negligence, and/or recklessness.

HTH expressly disclaims all representations and warranties and/or liability relating to all interactions, of any nature, you may have with any of the healthcare Providers or other entities referenced in the Content, on the HTH Site or participating in the HTH Provider Community. You agree to look solely to such Providers or entities, not HTH in regard to any legal claims of any nature or other matter whatsoever arising out of such interactions.

HTH is not liable for any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of information, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.

The HTH Site and/or the Content may contain links to websites operated by parties other than HTH. Such links are provided for your reference and convenience only. You acknowledge and understand that HTH does not control such websites and you agree that HTH is not responsible for the content of such websites. HTH's inclusion of links to such websites does not imply any endorsement of the material on such websites or any association or affiliation of any nature with their operators.

All Content is: Copyright (c) 1998 - 2018 HTH Worldwide, 933 First Avenue, King of Prussia, PA 19406 U.S.A. and/or its suppliers. All rights reserved. HTH also owns a copyright in the HTH Site as a collective work and/or compilation, and in the selection, coordination, arrangement, and enhancement of its content. Your use of the HTH Site, is for your personal and noncommercial use. You agree not to copy, modify, adapt, reproduce, translate, distribute, transmit, reverse engineer, decompile, or dissemble any aspect of the HTH Site, with the following exception: You may display, print, and store one electronic copy of content provided for your personal use. You may not, without HTH's written permission, "mirror" any material contained on the HTH Site on any other server.

Please be aware that HTH actively and aggressively enforces its intellectual property rights to the fullest extent of the law.

8. General.

This Agreement is governed by the laws of the Commonwealth of Pennsylvania, U.S.A. You consent to the exclusive jurisdiction and venue of courts in Philadelphia, Pennsylvania, U.S.A., in all disputes arising out of or relating to the use of the HTH Interactive Resources and/or the HTH Site. Use of the HTH Interactive Resources and/or the HTH Site is unauthorized in any jurisdiction that does not give effect to all provisions of this Agreement, including without limitation this paragraph.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to the warranty disclaimers and liability limitations set forth in this Agreement, then the invalid or unenforceable provision that most closely matches the intent of the original provision and remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire agreement between you and HTH with respect to your use of the Content and the HTH Interactive Resources and it supersedes all prior or contemporaneous communications of any nature between you and HTH. A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

In your individual capacity you: (i) represent and warrant that you are at least 18 years of age and that you possess the legal authority to enter into this Agreement (for you and on behalf of your family members, if applicable) and to use the HTH Interactive Resources in accordance with the terms and conditions of this Agreement; (ii) represent and warrant that all information supplied by you in registering and utilizing the HTH Interactive Resources is true and accurate; and (iii) Registered Users agree to supervise all usage of the HTH Interactive Resources by any party utilizing your Password.

9. Term and Termination.

The terms and conditions of this Agreement will take effect upon execution (when you click on the button that reads "Yes, I accept the terms of the Site Use Agreement"). The term of this Agreement is for as long as your cookie remains active.

For all other site visitors, the terms of this Agreement shall apply to the term of each site visit.