BIO-INSURANCE

STEM CELL MANAGEMENT SERVICES; INCLUDING THE COLLECTION, PROCESSING, AND CRYOPRESERVATION OF HUMAN CELLS, BIOLOGICAL TISSUE, STEM CELLS, UMBILICAL CORDS AND PLACENTAS FOR THE PURPOSE OF POTENTIALLY REINFUSING SAID SAMPLES INTO EITHER THE ORIGINAL DONOR OR OTHERS IN ORDER TO TREAT A DISEASE, AILMENT OR FOR OTHER MEDICAL PROCEDURES LATER IN THE FUTURE; UNDERWRITTING A SPECIALTY INSURANCE POLICY BASED UPON THE SAME PROCESSES AND SAMPLES