Earnings Release 3Q09 Presentation

Disclaimer ,[object Object],[object Object],[object Object]

Segments Overview Dental Health Assistance Assistance Services Ranking: #1 17 millions of items Market: B2B e B2B2C Healthcare Administration Ranking: #1 1,34 million of lives Market: B2B Dental HMO Ranking: #3 851K of lives Market: B2B and B2B2C

Tempo – Results by Segments (*) EBITDA excludes non-recurring expenses. Note 1: Conciliation of results found on page 16 of the 3Q09 Earnings Release. ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Highlights

3Q08 3Q09 Tempo – EBITDA Mix Tempo EBITDA’s Breakdown shows an evolution of Tempo’s mix EBITDA (R$ Millions) and EBITDA Margin %

[object Object],[object Object],[object Object],Tempo – Health Segment Highlights (*) EBITDA excludes non-recurring expenses. Note 1: Conciliation of results found on page 16 of the 3Q09 Earnings Release.

[object Object],[object Object],Tempo – Dental Segment Highlights (*) EBITDA excludes non-recurring expenses. Note 1: Conciliation of results found on page 16 of the 3Q09 Earnings Release.

[object Object],[object Object],Tempo – Dental Segment Loss Ratio: **Pro forma results, includes acquisition. Highlights

[object Object],[object Object],[object Object],Tempo – Assistance Segment Highlights (*) EBITDA excludes non-recurring expenses. Adjustments reflect new accounting practices. Refer to the reconciliation page of the Earnings Release Note 1: Conciliation of results found on page 16 of the 3Q09 Earnings Release.

[object Object],[object Object],Tempo – Assistance Segment Highlights Loss Ratio Curve*: * Loss Ratio Calculation includes adjusted cost (refer to table on press release)

Acquisition of Unibanco Saúde Acquisition Overview ,[object Object],[object Object],[object Object],Advantages to Tempo Comercial Operational ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Tempo – Capex Highlight In the third quarter of 2009, Tempo invested R$ 2.4Mn in capital expenditures, which accounts for 12% of EBITDA in the same period. The major expenditures were software due to the implementation of the SAP and the Dental platform.

Tempo Participações Investor Relations +55 -11 - 3336 – 8587 [email_address]

Earnings Release 3Q09 Presentation

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