Benefit Package 2. Discount Dental Plan utilizing a national network. Discount Vision Care Plan utilizing a national network.

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1 Benefit Package 2 Discount Dental Plan utilizing a national network. Discount Vision Care Plan utilizing a national network. MedTestForLess Prepaid Diagnostic, X-ray and Laboratory Savings Program. Online Shopping Mall. National Funeral Protection Plan Alternative Health and Fitness Network. Hearing Program with walk-in and mail order savings. Vitamins. Roadside Assistance Program Cost: $23.00 Per Member Per Month Fulfillment Fee In addition to the Per Member Per Month Fee there will be a $45.00 onetime fee for fulfillment. Billing Fee There is a billing fee of $4.00 per package per month.

2 EXPLAINATION OF BENEFIT PACKAGE 1 1. Discount Dental Plan Utilizing a National Network Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns and orthodontia. Over 71,000** available dentist practice locations nationwide. Save on routine dental services such as x-rays and fillings Save on specialty care such as orthodontics and periodontics where available. Dentists are credentialed and recredentialed on an ongoing basis. We ensure a positive experience for members by reducing confusion with provider recognition and participation. The member will want to utilize their card and enjoy the savings time and time again. Before scheduling an appointment, the member will call the number on the back of their card to speak with a Member Services representative. The representative will provide the member several different dental care locations so the member may select the provider that most meets their specific needs and book an appointment. THIS PLAN IS NOT AVAILABLE TO RESIDENTS OF VERMONT. Actual costs and savings vary by provider and geographical area. ** According to the Provider Database as of November 1, Vision Care Plan Utilizing a National Network. This Vision Plan has contracted with over 12,000 eye care locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures. This provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, and EyeMasters. Savings of 20% to 60% on prescription eyewear

3 Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations. Savings of 10% to 30% on eye exams Save 40% to 55% off the overall national average on LASIK surgery (PRK and CK available at select locations) Most frames, lenses and specialty items such as tints, coatings and UV protection are available No limit on the number of times membership may be used during the year Two guarantees - 30-day unconditional money-back guarantee and low price guarantee on eyeglasses. Members may nominate their own eye care professional to join the network. THIS PLAN IS NOT AVAILABLE TO RESIDENTS OF VERMONT. 3. MedTestForLess Prepaid Diagnostic, X-ray and Laboratory Program. An effective way of S T R E T C H I N G Your Healthcare Dollars! MedTestForLess is an innovative program for millions of individuals across the country. MedTestForLess is NOT INSURANCE. It s a pre-paid diagnostic, x-ray, and lab program that can save members valuable dollars. You can order lab (blood or urine) tests online at: or via the toll free number. Diagnostic and X-ray tests must be ordered using our toll free number ( MEDTEST) or All testing is ordered on a pre-paid basis (you pay when ordering) because this is how we save you valuable dollars. You will be expected to pre-pay (via Automatic Checking or Credit Card) when ordering. For any diagnostic test, you ll need to have your doctor s prescription ready when you order tests. Your doctor s office may order tests for you (either on line for lab tests, or via toll free number for all tests). In either case, we provide simple instructions for both on line and toll free number ordering. You or your doctor s office will need to have your Automatic Checking or Credit Card information handy when you order. The procedure takes just minutes. It s that simple.

4 4. Online Shopping Mall. Harnessing the Power of Online Spending Totally FREE Fundraising/Income Opportunity! This program is really FREE. There s no cost to you EVER. There s nothing to SELL. All you have to do is shop in any one of 1,000 plus stores on Your own personal MALL and buy whatever your and your family need or want. Share it with your supporters, friends or family, They will receive the same FREE shopping mall allowing you to make money their spending as well. There are no meetings and no qualifying games. All tools are free and we give you everything you need. 5. National Funeral Protection Plan This program is the nation s first national funeral planning and assistance program. The largest direct to the consumer wholesaler of funeral products and services stands ready to assist you at your time of need. Membership includes online or telephonic funeral planning, funeral/cremation information and referral services. Savings of 40% to 70% on caskets, markers, and funeral merchandise and 24x7 web support. Completely transferable. Use it at any funeral home or cemetery in the United States (cannot be denied by local Funeral Home by Federal Law established in 1984). THIS IS NOT INSURANCE

5 6. Alternative Health and Fitness Program Alternative Medicine * Spa & Health Club Memberships * Healthy Living & Self Help Programs * Concierge Services Since 1994, this company has been developing programs that inspire lifestyle changes and encourage healthy behaviors to facilitate disease prevention and management. Members receive substantial discounts on treatments from alternative medicine providers and other health related services Over 9,000 providers participate in this program that encompasses over 50 modality listings. These listing include: Acupuncture, Massage Therapy, Yoga, Traditional Chinese Medicine, Herbology, Chiropractic, Acupressure, Shiatsu, Tai Chi, Biofeedback, Naturopathic Medicine, Aromatherapy, Meditation and much more. This program offers a full suite of consumer-driven healthy living benefits to encourage optimum health and well being. Members are guaranteed acceptance and there are no claims forms to complete. A Provider Nomination program is in place to assure member satisfaction and online self-help programs provide solutions to: smoking cessation, weight loss, alcohol control, and life/work balance issues. This progam s concierge philosophy guarantees member satisfaction. Discounts on fitness clubs and day spa services are included. In addition to our reduced fee Alternative Care Network and other discount programs, our website also links our members to some of the most informative and helpful healthcare sites on the web. We will continue to add these valuable sites as our research team deems them valuable.

6 7. Hearing Program with Walk-in and Mail-order Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 58% in retail locations nationwide and discounts of 40% to 60% through the mail order program. Retail Hearing Aids: Free hearing screening! Belcare and Lifetime Care program 2,000 provider locations across the U.S., made up of a cross section of audiologists, hearing specialists and professionals Your hearing aids can be cleaned, inspected and adjusted at any participating provider office across the country Save 15% to 58% on all digital hearing aids at locations nationwide Free hearing screening Two-year warranty on all included products and a 45-day trial period Mail Order Hearing Aids Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing instruments. 45-day in-home trial period. Receive the lowest price available. 45-day in-home trial period and one full year factory warranty Any make/model hearing aid less than five years old may be repaired with a six month warranty for just $90.00 or with a 12-month warranty for just $ !"# $% & '()) )

7 8. Vitamins Savings Program The Internet and mail order service provides an extensive catalog with savings on nutritional and health needs. Members can request catalogs and place orders through a convenient toll-free number or via the Internet for an extra savings of 10% on over 6,000 products, sale prices included. Additional 10% discount off our already low prices on all vitamins and nutritional supplements Toll-free telephone or online ordering and convenient home delivery on vitamins and nutritional supplements Over 6000 products in stock everyday. Orders leave our warehouse within 48 hours 9. ROADSIDE ASSIST Roadside Assistance is available 24 hours a day, 365 days a year to assist members when owned or leased vehicles are disabled as a result of unavoidable circumstances. Members will only have to pay for any non-covered expenses or covered costs in excess of the 15 miles per occurrence maximum. Coverage is extended to the member, spouse, and dependent children up to 21 years of age permanently residing at registered address when driving any vehicles that they own or lease for 12 months or longer. Highlights Available 24 hours a day, 365 days a year Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges Covers Member, spouse and dependent children up to age 21 permanently residing at registered address when driving any vehicles they own or lease (12 months or longer) Towing Assistance Flat Tire Assistance Fuel, Oil, Fluid and Water Delivery Service Lock-out Assistance Battery Assistance Collision Assistance Roadside Assist FAQ