WORLD TRAVELERS OF AMERICA

ARRANGING ASSOCIATION AND EMPLOYEE BENEFITS PROGRAMS AND DISCOUNTS WITH PARTICIPATING VENDORS, NAMELY ON TRAVEL SERVICES, AIRFARE, LODGING, PRODUCTS, DINING, CAR RENTAL, ENTERTAINMENT, TELEPHONE, TRAVEL ASSISTANCE SERVICES, SUBSCRIPTIONS TO TRAVEL MAGAZINES AND OTHER PUBLICATIONS; ARRANGING FOR CREDIT CARDS AND OTHER FINANCIAL PRODUCTS INSURANCE SERVICES WITH PARTICIPATING VENDORS

DEVELOPMENT AND ADMINISTRATION OF ASSOCIATION AND MEMBER BENEFITS PROGRAM