Save on Products and Services That People Need and Use!

Transcription

1 PREMIUM PROGRAM HANDBOOK Save on Products and Services That People Need and Use!

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3 HEALTH ADVOCACY SERVICES WELCOME TO ABBA! Congratulations on joining the ABBA community! By becoming a ABBA member, you re saving on your personal healthcare, prescription medications, pet care and more. For your convenience, we have included a Table of Contents below that will assist you with navigating through this brochure. It will help get you familiarized with all the new lifestyle benefits you now have at your fingertips. Member Benefit Basic Choice MedChoice Premium Premium Plus Page Number TeleHealth Services 1 2 Prescription Assistance 4 Legal Care Solutions 5 Hospital Bill Audit 6 Health Care Advocacy 7 Technical Support 7 Pet Care Savings 8 Entertainment & Travel Discounts 8 Roadside Assistance 9 Licensed Clinical Counseling 10 ID Theft Monitoring Resolution & Insurance 1 10 My Notification Services 11 Financial Education & Credit Counseling 11 Professional Tax Preparation, Advice & Audit Assistance 12 Comprehensive Wellness Testing & Profile 13 Career Defender 14 Health Benefits See Additional Brochure Terms & Conditions Currently not available in all states 100% RISK-FREE REVIEW & MONEY-BACK PLEDGE If you decide that you are not satisfied for any reason you can cancel and receive a FULL refund provided you have not used your benefits, and return your fulfillment materials postage paid.* You must request cancellation within the first 10 days of the Effective Date shown on your ABBA membership card. (*See Terms and Conditions for complete details) 1

4 TELEHEALTH SERVICES PROVIDED BY: SEEING A DOCTOR IS NOW JUST A CALL OR CLICK AWAY! Interactive MD (imd) is like having a doctor on demand. imd is a technologically advanced service that allows you to consult with a doctor by phone or computer at any time. Interactive MD is an ideal 21st century healthcare option that s convenient, cost-effective, and user-friendly. Speak with a doctor live while traveling or from the comfort of your own home or office day or night. WHEN AND WHY TO USE INTERACTIVE MD: Mobility issues Too sick to drive Car in the shop Can t find a babysitter Dislike waiting rooms Can t miss work Primary Care Physician N/A After Hours & Weekends Traveling Non-ER Medical Questions Manage ongoing conditions Complement existing healthcare COMMON CONDITIONS HANDLED THROUGH INTERACTIVE MD Acid reflux Acne Allergies Asthma Birth control Family planning Bladder infection Bronchitis Cellulitis Cold & Flu Constipation Diarrhea Diabetes Gout Hair Loss Headache Heartburn Hemorrhoids High blood pressure Infections Joint ache & pains Nausea Pneumonia (mild) Rashes Shingles Sinus conditions Sore throat Stable herpes 2 Thyroid conditions Urinary tract infection Yeast infection Pediatric Care (Ages 6yrs and up) Cold & Flu Constipation Hemorrhoids Fever Nausea Pink eye Stomach viruses Vomiting

5 TELEHEALTH SERVICES INTERACTIVE MD IS AVAILABLE TO YOU IN TWO WAYS: ELECTRONIC HEALTH RECORD Video Conference See a provider using your computer and a webcam over the internet. Medical Consultations - Done by phone or video conferencing, licensed physicians will provide you with a thorough assessment, and can discuss a wide range of common medical issues and/or conditions. Each consultation will cost $40. (subject to change) Phone Call Speak to a doctor and receive consultation any time over the phone. An Electronic Health Record stores essential health information including the results of your health screenings and lab tests, consultation notes from your doctors, as well as the medications you take. It is an important tool as the more information your doctors have about you and your medical history, the more effectively and efficiently they can diagnose and treat you. Your Electronic Health Record also helps to ensure that your doctors know what prescriptions you are currently taking, and any drug allergies you may have, which in turn can prevent dangerous drug reactions and interactions. Please note: Medical professionals using the imd platform must abide by various laws, rules and regulations which may impact their ability to (a) diagnose and recommend treatment for certain conditions, and (b) prescribe medication in the absence of an in-person examination. Please see Terms & Conditions for more information about telemedicine services. Video and phone consultations subject to state availability, and all applicable laws, rules and regulations. You must complete a Medical Assessment and History Questionnaire prior to your scheduled medical consultation. Prescriptions will only be issued when indicated and approved by a physician and as permitted by law in your state. Interactive MD is not intended to replace your primary care physician. Interactive MD is not health insurance. Interactive MD physicians do NOT prescribe controlled medications. If you have an emergency, please dial 911. All Interactive MD services are HIPAA Compliant. HOW TO ACCESS To have a virtual consultation with the next available doctor: BY PHONE Call and have your subscriber ID available. OR ONLINE Go to and Login on the right of the page using your username and password. If you have not yet set-up your Interactive MD account call Customer Service and they will help you. If you do not remember your password just click Forgot Password and we will you a new one. Step 1 - Complete your electronic health record. Step 2 - Select the type of consultation: advice or full diagnostic visit. Step 3 - Choose how you would like to connect, by video or phone. When you are ready to start, just click on Schedule a Consult. Our system will locate the next available professional. Just sit back and wait, as a doctor will be connecting with you shortly. 3

6 PRESCRIPTION EXPENSE ASSISTANCE (RX ADVOCACY) I NEED MY MEDICATIONS TO SURVIVE, BUT MY PRESCRIPTION COSTS ARE KILLING ME FINANCIALLY. At ABBA we hear this grievance on a daily basis. But, what many of our members don t realize is this, there ARE funding options out there that can assist them with the hurtful cost of maintenance and preventative drugs. That s where our Prescription Expense Assistance Department comes in. They work diligently on your behalf to identify any prescription savings you may be eligible for, including: Free Medications Discounted Medications Small co-pays Mail order options ABBA RX ADVOCATES LEAVE NO STONE UNTURNED... Our Trained Experts Will Search Every Available Option To Help You Save On Your Prescription Medications: Manufacturers Charities Mail Order Programs $TART $AVING TODAY! See if you qualify for prescription assistance in one of three ways: BY MAIL Complete the following enclosed documents: Prescription Assistance Form Authorization for Use and Disclosure of Protected Health Information Upon completing the forms, mail them to ABBA using the enclosed prepaid envelope. BY FAX Complete the following enclosed documents: Prescription Assistance Form Authorization for Use and Disclosure of Protected Health Information Upon completing both forms, kindly fax them to ABBA at: ONLINE Visit us online at /rxassistance/ to fill out the necessary forms. Your forms will be submitted online automatically upon completion. Prescription Assistance Form When you have completed the included forms, please call Member Services at to start your medication review with one of our Prescription Specialists. He or she will verify your information, explain the process and answer any questions you may have. Our RX Advocates will then go to work for you to try to obtain any savings on medications for which you may be eligible for. This process will take upwards of 2 to 4 weeks. WHAT OUR MEMBERS ARE SAYING ABOUT THE ABBA RX ADVOCACY PROGRAM: I was paying over $350 PER MONTH for meds. With help from my new RX advocacy program, I will now be paying $60 every 6 months for all of my medications, including FREE insulin! I have one prescription that costs $383 per month and had to travel very far to get it. With this program, I am now getting it absolutely free, plus I receive a 90-day supply through the mail. - Paul C, Chicago, IL - Sharon W, Des Moines, IA 4

7 PROVIDED BY: LEGAL CARE SOLUTIONS PUT THE LAW ON YOUR SIDE WITH LEGAL CLUB OF AMERICA Caught speeding to work? Want to incorporate your new business? Finally bought that dream house and need a lawyer to represent you at your closing? Whatever the case may be, you now have the law on your side with ABBA S LEGAL CARE SOLUTIONS plan. With unlimited access to a proprietary network of attorneys in all 50 states, members will receive both free and discounted legal care, simply by picking up the phone. With legal care solutions by Legal Club of America, you can get peace of mind when it comes to resolving most legal problems you may encounter. EXAMPLES OF FREE LEGAL SERVICES INCLUDED WITH MEMBERSHIP: Initial phone and face-to-face consultations for each new legal matter (no time limit). Plan attorneys will prepare a Living Will for you and your family and update the Will annually. Plan attorneys will help subscribers represent themselves in small claims court. EXAMPLES OF GREATLY DISCOUNTED SERVICES: Legal Services Subscriber Rate Non-Subscriber Rate Traffic Ticket Defense $89.00 $ Name Change $ $ Simple Will with Minors Trust $ $ Chapter 7 Bankruptcy $ $1, Non-Support (Spouse/Child) $ $1, Simple Divorce $ $1, Regular Incorporation $ $ Personal Real Estate Closing $ $ HOW TO ACCESS CONTACT US Call Member Services at , Monday-Friday, 9:00-5:30pm EST, for a list of available attorneys in your area. Be sure to have your Subscriber Number available. ATTORNEY ASSIGNMENT A participating Legal Club of America attorney will be assigned to you. SCHEDULE A CONSULTATION By phone, or in-person, schedule your free consultation on a need-be, case-to-case basis. Disclaimer: When you call for your free legal consultation, please be sure to mention Legal Club of America to receive your free or discounted legal services. 5

8 HOSPITAL BILL AUDIT PROTECTS YOU AGAINST OVERBILLING Over 35 million people in the U.S. are admitted to a hospital each year with each visit averaging close to $20,000. Besides medical costs, many of these bills are as high as they are because of significant errors within the bills themselves. Unfortunately, many people don t do anything to correct them because they can t even recognize the errors - let alone explain them - or get the hospitals to correct them. But, as an ABBA member, you can rest assured that we are here to shield you against overbilling if you are hospitalized. HOW DO WE PROTECT YOU? ABBA has contracted the services of compliance analysts, medical billing specialists and a team of highly-skilled physicians who will audit your eligible hospital stay bill* with the aid of a unique and powerful software platform. The steps they take to safeguard you financially include: 1. Prior to paying your bill, ABBA will have their team review or audit your itemized hospital stay bill and related records. 2. Identify excessive, unwarranted, non-compliant and otherwise invalid charges. 3. Create a detailed medical bill review report or MBR that identifies billing errors, challenges invalid charges, recommends appropriate adjustments and explains the reasons for each challenge and adjustment. NEXT STEPS? Once your audit is complete, ABBA s Analysts will send you an MBR, along with a sample letter to your hospital billing department explaining the MBR findings and challenged charges. You should then immediately send your own letter to the hospital with a copy of the MBR, as well as payment for the undisputed portion of your bill. Remember, it is imperative that you get your bill audited first, as it is much more difficult to get your hospital to adjust a bill and refund monies already paid. Also important: it is crucial that you request Audit support and complete all of the steps in the process as quickly as possible, as each State requires that any challenge to a hospital bill must take place within a stipulated time period to be classified as a disputed bill, in order for that bill to be held in abeyance until the audit is complete. HOW TO ACCESS As soon as you receive your bill for a hospital stay, please call Member Services at , so that an ABBA Member Advocate can forward, and then explain how to download the following documents to file an audit: 99 Customer Agreement 99 HIPAA Privacy Agreement 99 Customer Information Form 99 Itemized Medical Bill & Information Release Form 99 Medical Records Release Authorization Form 99 Sample Audit Advisory Letter to Hospital (with UB-04 Request) *Detailed terms and conditions for the Hospital Bill Audit service, which will be included in the Customer Agreement, may be viewed on the ABBA web site and are available upon request from Member Services. You must be an ABBA Member in good standing for a continuous period of 180 days (the Waiting Period ) before you or your eligible spouse or dependent may use the Hospital Bill Audit service. Only one eligible person (either you or, if any, your spouse or eligible dependent) may use the Hospital Bill Audit service one time only once during each calendar year that you remain an ABBA Member in good standing. The Hospital Bill Audit service may only be used for hospital bills incurred by one eligible person during and directly related to their stay as an admitted patient in a hospital for more than 24 continuous hours. 6

9 HEALTH ADVOCACY SERVICES ITS LIKE HAVING YOUR OWN HEALTH INSURANCE SECRETARY We can assist you and your covered dependents to navigate the healthcare system and decode clinical and administrative issues. Subscribing to HEALTH ADVOCACY SERVICES is like having your own health insurance secretary that can assist you to: Deal and communicate with Insurance companies Negotiate medical bills Help with Diagnosis-Based Assistance Programs and associated costs Review hospital bills Locate support groups Assist with completing qualification applications HOW TO ACCESS Call Member Services at Please have your Member Number available. TECHNICAL SUPPORT TECHNOLOGICALLY CHALLENGED? WE CAN HELP. Not sure how to upload or print? Ever received an error message and didn t understand what it meant? We all struggle with today s technology. But have no fear technologically-challenged members TECH SUPPORT is here! 1 hour of Free Service each month Certified, licensed technicians Small or large challenges: software installation, virus issues, apps help and more Secure, remote environment: Online, Chat Service, Phone Support is a toll-free phone call away at: Tech support available M-F 8am-8pm CST and Saturdays 8am - 2pm CST. Subscribers can purchase additional service at the cost of $0.99 per minute HOW TO ACCESS For more information regarding Technical Support services: Call

10 PET CARE SAVINGS We used to offer discounts of 5-35% at a variety of petretailers, but we were seeing very little usage. We ve removed them from our own retail plans and will be retiring them for groups at the end of the year. We are keeping the two most ONLINE popular ones: 1. Go to ROVER.COM Rover.com $50 credit on Rover.com PetCareRx.com 15% off all orders at PetCareRx.com, includingprescriptions, preventatives, food and supplies. HOW 2. Log into the website with your subscriber number and your zip code. 3. Click on Pet Assure Benefit at the bottom of the page. 4. Follow the link to access the benefit, create your login and password, and register for your complimentary P.A.L.S. Tag. OR TO ACCESS 5. Show your subscription card with Pet Assure logo at participating merchants. BY PHONE For more info on P.A.L.S. tags, or any other participating practices, call ENTERTAINMENT & TRAVEL SAVINGS The ABBA Entertainment & Travel Savings plan provided by Entertainment FV offers its members powerful discounts on pretty much anything and everything lifestyle related. Don t want to pay full price for your oil change? We don t blame you. Want to rent that vacation condo for less? No problem! With Entertainment FV and ABBA on your side, we ll help you live life to the fullest, and save you some green in-between. SAVE MONEY WITH DISCOUNTS ON THOUSANDS OF LOCAL & NATIONAL SERVICES, INCLUDING: Travel Movie Tickets Restaurants & Dining HOW ACCESS TO For more information on the full range of discounts and savings available: Hotels & Vacations Shopping Events & Attractions Call Car Rentals Golf Dry Cleaning Log into: > Entertainment PROVIDED BY: Floral Savings Oil Changes 8

11 PROVIDED BY: IDENTITY THEFT PROTECTION ROADSIDE ASSISTANCE TRAVEL AID IN YOUR TIME OF NEED We ve all been there - all of a sudden your car won t start! If only our batteries could warn us they re about to go kaput, right?! Or, you re putting groceries in the car and the next thing you know, you realize you locked your keys in with your milk and eggs. It happens to all of us. You most certainly are not alone. That s why having a ABBA Roadside Assistance plan from Allstate is critical. It puts you back in the driver s seat, in minimal time, with minimal or no costs. TOWING / LOCKOUT / EMERGENCY ROADSIDE ASSISTANCE Get up to $100 toward Towing and Emergency Road Service. Tow at no cost to the dispatched mechanical service provider, or a destination of your choice; up to $ /7 toll-free dispatch service includes jump starts, gas delivery and flat tire changes; up to $100. Locked out? Disabled vehicle? Out of Gas? Call for service. HIT-AND-RUN REWARD BENEFIT - UP TO $5,000 An amount up to your benefit limit will be paid as a reward to the witness(es) who provide(s) information leading to the arrest and conviction of the accident felony offender (no lesser or different offense) of anyone responsible for bodily injury to you, your spouse or other designated driver, because of a hit-and-run accident. REIMBURSEMENT LEGAL DEFENSE BENEFIT - UP TO $750 The Legal Defense benefit provides payment for attorney fees up to the benefit limit to defend you in court if you are charged with certain moving violations of motor vehicle laws while driving an eligible vehicle. You may choose any attorney (other than yourself or a family member) to represent you. TRIP INTERRUPTION - UP TO $750 If your vacation or personal trip is interrupted as a result of a collision involving your eligible vehicle, you may qualify for reimbursement of certain expenses incurred within 72 hours of the collision; certain restrictions apply. BY PHONE Call HOW TO ACCESS 9

12 LICENSED CLINICAL COUNSELING PROVIDED BY: BEHAVIORAL HEALTH ASSISTANCE 24/7 Whether you re having financial, substance abuse, family or work related difficulties, sometimes it just helps to have someone to speak to. With the ABBA LICENSED CLINICAL COUNSELING plan, members are eligible to phone a Licensed Clinical Counselor at any hour - in complete confidentiality days a year via a dedicated toll free number. STRESSED AND NEED TO TALK WITH SOMEONE NOW? HERE S HOW: Call toll-free, to speak with a Licensed Clinical Counselor. Counselor will conduct an initial assessment. You will receive guidance when your needs are determined by the Counselor. Counselor will then align the appropriate resource(s) for you, be it additional help from a local Provider, or community agency - and more. IDENTITY THEFT PROTECTION PROVIDED BY: KEEP WHO YOU ARE - UNDER WRAPS - WITH INFOARMOR The phone rings and it s your credit card company. Someone just charged a $2,000 flat screen to your account but it wasn t you. In today s technologically advanced world, computer hacking and online fraud is ever increasing, leaving us all vulnerable to identity theft. Since the best defense is a good offense, it s time to protect yourself with the ABBA ID THEFT PROTECTION plan from InfoArmor. MONITORING ID Theft Monitoring searches and monitors your past history, as well as real time identity frauds or threats. Monitoring is secure and hassle-free, and identity alerts are actionable. $ RESOLUTION Upon notification of an identity theft incident or breach, a Privacy Advocate will act on your behalf, as a dedicated case manager. Once an alert is received, members should immediately call InfoArmor at: INSURANCE If your identity is stolen despite taking the necessary precautions above, you may receive up to $25,000 in indemnity to cover any lost wages or legal expenses incurred as a result of said ID Theft. 10

13 MY NOTIFICATION SERVICES EMERGENCY MEDICAL AND CONTACT NOTIFICATION SERVICES Did you know that a disabling accident occurs every 2 seconds in the United States? On average, it takes 6 hours to notify a family member of this type of medical emergency. According to a recent study by the American Psychological Association in Washington, D.C., 50% of all Americans will be involved in a traumatic event in their lifetime. That s where My Notification Services comes in. BENEFIT HIGHLIGHTS INCLUDE: If you are involved in an accident, My Notification Services will notify up to 9 of your closest contacts via phone, , text, or all three immediately after they are contacted by emergency services personnel. This offers you peace of mind knowing that your friends and family have been notified of your whereabouts. With 22 multi-lingual call centers throughout the United States and Puerto Rico, emergency notifications can be transmitted in up to 75 different languages. HOW TO ACCESS Please call Member Services at to receive instructions on how to enroll in this program. Once you complete the registration process, you will receive a kit in the mail which includes an ID card, a sticker to put on the back of your driver s license, and a sticker to place on your vehicle so that emergency services personnel can properly notify your contacts if disaster strikes. You must call Member Services to enroll. LIKE HAVING A PERSONAL FINANCIAL ADVISOR With this benefit, Legal Club of America will provide you and your family with personalized financial and credit counseling services 24/7, 365 days per year. Whether you re buying or renting a home, having debt problems, or setting up a trust; this program is designed to provide you and your family with the necessary guidance and tools needed to make better financial decisions, all of which is provided by 1,000 experienced Financial Counselors. BENEFIT HIGHLIGHTS INCLUDE: FINANCIAL EDUCATION & CREDIT COUNSELING FREE CONSULTATIONS a complete financial assessment will include a review and analysis of your household income, expenses, assets and liabilities. Available by phone or online chat sessions. CREDIT & DEBT COUNSELING BY CERTIFIED CREDIT COUNSELORS assisting you in creating a livable budget to balance income and expenses, and provide specific advice on how to deal with creditors. Money management and budgeting techniques are offered to help you gain control of finances, while creating an action plan for you to become debt free. ONLINE TOOLS, ARTICLES, COURSES & COUNSELING SESSIONS receive answers to questions on loans, budgeting, debt and more. Become educated in the areas of credit and money management. HOUSING ADVISORY SERVICES get advice on homeownership, mortgages and refinancing. HOW TO ACCESS Call Member Services at with questions, or to file a claim. Please have your Member Number available. 11

14 TAX PREP, ADVICE & AUDIT ASSISTANCE PROVIDED BY: FINANCIAL GUIDANCE FROM LEGAL CLUB OF AMERICA Legal Club of America provides you with a comprehensive tax program that includes preparing a tax return for you for FREE, unlimited tax-related advice, as well as a discounted tax schedule preparation. Moreover, all tax and financial guidance is provided by experts such as tax attorneys, financial analysts, CPA s, former Auditors and/or Enrolled Agents certified by the IRS - NOT by customer service reps. EXAMPLES OF TAX PREP, ADVICE & AUDIT SERVICES INCLUDE: Live, 1-on-1, direct answers to tax questions over the phone when using tax software programs. Experts that can review audits, and experts that assist and advise members who are audited. Access to a Tax Advisor, no matter your income bracket, for a tax consultation. Review of your prior year s tax return. Financial and tax implication advice on everyday financial matters such as: Retirement Planning, Capital Gains, IRA s, Roth IRA s, 401k plans, Divorce, Real Estate Planning, Inheritance, Investment Timing & Strategies and more. TYPICAL QUESTIONS ANSWERED BY EXPERTS SHOULD I OPEN UP A ROTH OR A TRADITIONAL IRA? SHOULD I ITEMIZE DEDUCTIONS? WHICH TAX FORM DO I FILE WITH? I HAVE A HOME-BASED BUSINESS, WHAT DEDUCTIONS CAN I TAKE? TO DOWNLOAD OR VIEW A LIST OF DISCOUNTED PRICING EXAMPLES FOR THE PREPARATION OF FORM SCHEDULES AND VARIOUS TAX DOCUMENTS, GO TO HOW TO ACCESS BY PHONE CALL US Call Member Services at ,Monday- Thursday, 9am 6:30pm EST and Friday 10am 3pm EST. Be sure to have your Subscriber Number available. 12

15 COMPREHENSIVE WELLNESS TESTING & PROFILE BECAUSE WE WANT YOU TO BE HEALTHY The Comprehensive Wellness Test & Profile is probably one of the most valuable benefits you are entitled to as a ABBA member*. At no additional cost, the CWP consists of over 50 individual blood tests that will provide a thorough, bio-chemical assessment of your overall health. Thusly, the results will yield and indicate the proper functioning of most of the major organ systems of your body. Blood tests should be a part of your annual wellness routine, as they can help spot a wide variety of health problems, including early detection and treatment. Being tested annually can also save money, prevent further health problems, and even save lives. Tests performed as part of the CWP include: Complete Blood Count (CBC) Kidney Panel Thyroid Profile with TSH HOW TO ACCESS AND WHAT TO EXPECT Call Member Services at for further instructions. IMPORTANT: Please DO NOT schedule a lab visit without contacting Member Services. Additionally, we recommend that you fast (do not eat) 8 hours before you have your blood drawn. Lipid Profile (cholesterol: HDL, LDL, risk ration, triglycerides) Liver Panel Fluids & Electrolytes Minerals & Bone Glucose (Diabetes) *You must have a continuous active membership in good standing for at least 180 days in order to use this benefit. Testing is not available to members residing in NY, NJ, RI, HI and AK. BLOOD TEST BENEFIT INCLUDES THE FOLLOWING PANELS: Blood & Fluids Lipid Profile Liver Profile Kidney Panel Complete Blood Count WBC RBC Hemoglobin Hematocrit Lymphocytes Monocytes MCH MCHC MCV Neutrophils Platelets Cholesterol, Total HDL LDL Cholesterol/HDL Ratio Triglycerides Alanine aminotransferase (ALT or SGPT) Albumin Albumin / Globulin Ratio Alkaline phosphatase Aspartate aminotransferase (AST or SGOT) Bilirubin, Total Globulin, Total Lactate Dehydrogenase (LDH) GGT Urea Nitrosen (BUN) Creatinine, Serum Uric acid Bun / Creatinine Fluids & Electrolytes Chloride, Serum Potassium Sodium, Serum Carbon Dioxide Diabetes Glucose, Blood Sugar levels Thyroid Panel Total T-4 (Thyroxin) T-3 Uptake Free-Thyroxin Index (FTI) T-7 TSH Bone & Minerals Iron, Total Calcium Phosphorus 13

16 IDENTITY THEFT PROTECTION CAREER DEFENDER TOOLS TO AID WITH JOB SECURITY Career Defender is an online leader in job protection and career advancement whose goal is to help you achieve greater job security and job mobility through training, education, legal support and insurance. In these tough economic times, Career Defender aims to assist you through advanced resume creation, submission tools, salary reports and employee best practices information. Whether you re looking to understand some of the potential risks you may be facing in your industry, or you re looking to grow your knowledge of certain software programs; their helpful career advice and program benefits can help. JOB ASSESSMENT Job Security Score, Salary Calculator, Salary Report and Personality Test. EDUCATION & TRAINING Career Advice Videos, Career Best Practices Articles, Software Training Videos and Online Degree Search. INCOME PROTECTION Tips to negotiate a higher salary and Employment Law FAQ s. UNEMPLOYED? Career Defender will help you find a job with their Online Resume Builder, Nationwide Job Search help, US Employment Data records and Twitter Resume Creator. HOW TO ACCESS ONLINE Log on to your secure member portal at, using your ABBA Username and password. Then click on the Career Defender link within the Member Benefits section of the site. Once there, click any of the icons to access a specific benefit. If you experience any difficulties, please click on the Report a Problem button on the right side of the website, or call Member Services at and have your Member Number ready. 14

17 TERMS AND CONDITIONS DEFINED TERMS. ANY CAPITALIZED TERM USED BUT NOT DEFINED IN THIS MEMBERSHIP HANDBOOK SHALL HAVE THE MEANING ASSIGNED TO SUCH TERM IN THE BY-LAWS OF AMERICA S BUSINESS BENEFIT ASSOCIATION ( ABBA or the Association ). PURPOSE OF ASSOCIATION. America s Business Benefit Association s purpose is to enhance the quality of life for members by providing group buying power on consumer goods and services, business benefits, and health-related purchases, including access to health care insurance benefits. In its 25 years of providing benefits, services and advocacy for individuals and families, ABBA has grown its organization to be a nationally recognized and well-respected association of the self-employed, sole proprietors, families and individuals. MEMBERSHIP & ELIGIBILITY. The members of the Association (collectively Members and each a Member ) shall consist of such persons as may be qualified for and admitted to Membership by the acceptance and approval by the Association of an application for Membership. To be eligible for ABBA Membership and Membership benefits programs ( Programs ), at the time of enrollment you must be a legal U.S. resident, 18 years of age or older, and have a professed interest in the association as demonstrated by your decision to join, and meet such other qualifications for Membership established from time to time by the Association s Board of Directors. Membership may not be transferred or inherited. Membership is not conditioned on any health-status related factor relating to an applicant or Member, or relating to any applicant s or Member s spouse or dependents. The Association has different classes of Membership (collectively Classes and each a Class ), each having different privileges and benefits. Members have such rights as are set forth in the By-Laws of the Association, as the same may be amended from time to time (the By-Laws ). Membership benefits provided to each Class of Membership (collectively, Benefits ) are set forth in the ABBA Membership Handbook. ABBA reserves the right to amend Benefits at any time for any reason. RISK-FREE REVIEW PERIOD. Please review the ABBA Membership Handbook relevant to your Class and your Benefits. You are entitled to a ten (10) day risk-free review period to evaluate your Membership ( the Review Period ). To be eligible, you must request cancellation within the first ten (10) days of the Effective Date as indicated on your ABBA Membership Card. To receive a full refund of your initial payment, you must return all received packaged materials within thirty (30) days of your Effective Date to: ABBA c/o Member Services, 5300 Broken Sound Blvd NW #200, Boca Raton, FL An amount up to $25.00 will be withheld from your refund until such time as your packaged materials are returned. Return packages must be sent by trackable means, and proof of delivery does not constitute proof of receipt. Eligible refunds are processed as soon as they are received and will normally appear on your bank or credit card account within ten (10) days of processing. GOVERNING DOCUMENTS. The By-Laws and these ABBA Membership Terms and Conditions (the Membership Terms ) may be amended from time to time in accordance with the ABBA Amended and Restated Articles of Incorporation and By-Laws, or as may be required to comply with any applicable laws, regulations or rules of any government authority or agency. The terms and conditions for any Benefit ( Benefit Terms ) may be amended from time to time as required or permitted by the source or provider of the Benefit, or as may be required to comply with any applicable laws, regulations or rules of any government authority or agency. At any given time, the current By-Laws and Membership Terms as the same may have been amended (collectively, the Governing Documents ) may be obtained by contacting ABBA and/ or the provider of the Benefit(s).By becoming and remaining a Member, you acknowledge and agree that you have reviewed and accepted all of the terms and conditions of the Governing Documents on behalf of yourself and your covered dependents. In addition, you will be deemed to have received notice of and reviewed and accepted any and all amendments to the Governing Documents once such amendments have been posted on the Website or sent to you or explained to you by a representative or agent of ABBA. DUES AND FEES. All new Members must pay an initial application processing and enrollment fee in an amount as may be established by the Association for the Member s Class. ABBA Members, who cancel Membership and then re-enroll after the date in which their current ABBA Membership is terminated, shall be classified as new Members, and shall be required to pay the initial 15 application and enrollment fee when they re-enroll. Members who upgrade or downgrade their Membership prior to the termination of their Membership, shall not be classified as new Members and shall not be required to pay an additional application processing and enrollment fee. Benefit fees and Association dues are hereinafter collectively referred to as Charges. In order to maintain Membership in the Association, you must pay the monthly Charges. Payment of all monthly Charges is due in advance and will be automatically drafted from or charged to the account or credit card that you have authorized ABBA or its agent to draft or charge at the time of your enrollment or thereafter (your Billing Account ). The Association reserves the right to terminate any Membership and deny any and all privileges and benefits for lack of timely payment of any Charges, or failure to satisfy any other Membership requirement. Charges may be changed for all Members of any Class (but not individually), as the Association s Board of Directors determines is necessary, appropriate or desirable in its discretion, with notification to be provided as soon as reasonably practical. Charges collected from the Members are held and disbursed on behalf of the Association by a licensed third-party administrator in order to ensure timely payment of any fees or premiums due and payable by, on behalf of or for the benefit of ABBA to the sources, providers or underwriters of the Benefits and otherwise as may be required by applicable laws, regulations or rules of any government authority or agency. AUTHORIZATION, PROCESSING AND CONFIRMATION OF CHARGES AND PAYMENTS. By becoming and remaining a Member, you agree to and authorize all Charges against your Billing Account appropriate to your Membership Class that you have selected or later select. Each month s Charges will generally, but not necessarily, be handled as a single withdrawal from or charge to your Billing Account. If you do not effectively cancel during the Risk-Free Review Period, you will be deemed to have confirmed your continuing authorization for all Charges that accrue while you are a Member to be withdrawn from or charged to your Billing Account, including withdrawals and Charges that may be processed after you cease to be a Member for Dues or Fees that accrued while you were a Member. Depending on the Effective Date that you selected, Charges will be submitted on or about either the 5th, 10th, 15th, 20th or 25th of each month for the next month (your Billing Date ). The payment of your initial application processing and enrollment fee and each payment of monthly Charges or other Fees will be deemed confirmed on the date five business days after the date of the receipt of such payment from your Billing Account by automatic bank draft or credit card. INSURED BENEFITS. ABBA offers a variety of primary benefits and services to its Members, as well as certain other benefits and services that are only provided to those Members who choose to join specific Membership Classes and select certain Associate Benefits or Premium Benefits (collectively, Additional Benefits ). These Additional Benefits may include certain insurance coverage ( Insured Benefits ) provided by licensed insurance companies (each an Insurance Carrier ) under master group policies issued to the Association (each a Policy ). ABBA IS NOT AN INSURANCE COMPANY AND IS NOT RESPONSIBLE OR LIABLE FOR ANY INSURED BENEFITS OR CLAIMS UNDER ANY POLICIES. THE INSURANCE CARRIER ISSUING/ UNDERWRITING ANY POLICY IS SOLELY RESPONSIBLE AND LIABLE FOR INSURED BENEFITS AND CLAIMS UNDER SUCH POLICY. The benefits, terms, conditions, limitations and exclusions of each Insured Benefit are set forth in the relevant Master Group Policy, a copy of which is maintained at all times in the records of the Association and available for review at the offices of the Association upon request. Coverage under each Policy, and the essential features of such coverage, is evidenced by and described in a certificate of coverage for such Policy (the Certificate ) which will be delivered to each Member covered under the Policy. If you have joined or join a Membership Class and select Additional Benefits that include any Insured Benefit(s), you should have or receive a Certificate issued under the terms of the relevant Policy or Policies. If you believe that you have any Insured Benefit for which you do not receive a Certificate, it is critical that you contact Member Services immediately. ACTIVATION AND TERM. Your Membership in the Association is on a month to month basis, with the monthly periods running from 12:00 am Eastern Time on your Effective Date through 11:59 pm Eastern Time the day before

18 TERMS AND CONDITIONS your Effective Date of the following month (a Monthly Period ). Benefits, including Insured Benefits will be activated on your Effective Date, provided your initial payment of Charges has been confirmed. Insured Benefits are activated in accordance with the applicable Policy and Certificate, as may also be summarized in the relevant Class Handbook, if any; provided, however, that in the event of any conflict between any such Class Handbook and the Certificate, the Certificate of Coverage governs. The term of your Membership may continue so long as you continue to meet the qualifications of Membership established by the Association and pay all required Charges in full and in a timely manner. USE OF BENEFITS. You must be actively enrolled and be current on all payment of Charges in order to use or receive any Benefits. You agree that you will use your Membership and Benefits only for yourself or your covered Dependent Family Members. Dependent Family Members are your spouse, immediate family members under the age of 26 who are living with and are financially dependent upon you. In some cases, Dependent Family Members may also include handicapped family members who are incapable of selfsupport and are dependent on you for support and maintenance. Please refer to the Certificates applicable to the Associate or Premium program(s) in which you are enrolled to determine coverage available for Dependent Family Members. CHANGES IN BENEFITS. Notwithstanding anything herein to the contrary, any Benefits, including Insured Benefits, may be modified, changed, replaced, substituted, discontinued or eliminated as the Association s Board of Directors, in its sole discretion, deems necessary, appropriate or desirable, and as permitted in the By-Laws. Should your Benefits materially change, you will be notified as soon as reasonably possible. Information will be placed on the Association s Website at to provide Members with current Benefit information, as well as other pertinent Membership information, and you shall be deemed to have received notice of any such information once it is posted. As a courtesy, such material change notifications will be ed to you at your last address on file. CANCELLATION AND TERMINATION. After the Risk-Free Trial Period, you can cancel your Membership at any time by submitting a Cancellation Request to the Association. To effect a cancellation as of the last day of a given Monthly Period, your verified Cancellation Request must be received by Member Services prior to the 25th day of that Monthly Period (the Cancellation Deadline ). Once received, your cancellation will be processed and will become effective as of midnight on the last day of the Monthly Period for the month you submitted a timely Cancellation Request. If your Cancellation Request is NOT received prior to the Cancellation Deadline of the Monthly Period in which it is delivered, then your Membership will continue through the end of the next Monthly Period and you will be responsible for the full payment of all Charges owed for that next Monthly Period. Please note: Because of the automated nature of ABBA s billing system, if your Cancellation Request is received after to the 20th day of the Monthly Period, but not at least five days prior to your Billing Date, Charges may unavoidably be processed against your Billing Account on or about your Billing Date, in which event such charges will be refunded to your Billing Account no later than thirty (30) days after the date of your Cancellation Request. Non-payment of any Charges will result in automatic termination of your Membership, and Benefits as of the end of the last Monthly Period for which you paid all Charges in full. If you are terminated for nonpayment, you may be given a grace period of up to thirty-one days from the date your payment was due in which to reactivate your membership by paying all applicable Charges in full. Notwithstanding anything herein to the contrary, the Board of Directors of the Association or its authorized Delegate (the Board ) may terminate your Membership at any time, in its sole discretion, in accordance with the Bylaws. In the event of such termination, your Membership and Benefits will be retroactively terminated effective as of the end of the prior Monthly Period and any Dues you have paid applicable to any later point in time will be refunded to you. NOTICE OF MEETINGS AND ACTIONS. All notices required to be given by the Association to you of any meeting or action of the Association under applicable law or in accordance with the Association s Articles of Incorporation or By-Laws will be posted on the Website. Upon acceptance or use of any Benefits or by continuing your Membership beyond the Risk-Free Review Period, you shall be deemed to have waived any right to delivery of individual notice of any such meeting or action of the Association unless you inform the Association to the contrary in writing. LIMITATION OF LIABILITY & DISCLAIMER OF WARRANTIES. You agree that any claim with regard to Benefits provided to Association Members as a result of their Association membership, including discount programs and wellness testing, shall be made only against the providers of such Benefits and not the Association, its affiliates or contractors (collectively, the Companies ), whose sole obligation hereunder is to provide and facilitate Member access to and receipt of such benefits from the providers of such benefits. The Companies assume no liability with regard to any benefits provided, or to be provided, by any third party. The Companies are not merchants, manufacturers or direct providers of the Benefits and do not give any warranties, expressed or implied, as to description, quality, merchantability, fitness for any particular purpose, productiveness or any other matter, as to the Benefits, the thirdparty providers of Benefits, or any other services or merchandise purchased or received by you through, or in connection with, your Membership in the Association. You acknowledge that you are not relying on the Companies skills or judgments in selecting any third-party provider or Benefits or services available to you. In the event that any product or service purchased or received by you is cancelled, modified, defective or otherwise unsatisfactory to you, you will look solely to the provider, seller, merchant, or manufacturer of the product or service for any repair, exchange, refund, or satisfaction of the claim. It is further understood that all Benefits are subject to the availability of such Benefits, which may change without notice for reasons beyond the reasonable control of the Companies. GENERAL RELEASE. You on behalf of yourself and all of your covered Dependent Family Members hereby forever release, acquit and discharge each of the Companies and their respective officers, directors, employees and agents from any and all liabilities, claims, demands, actions and causes or action that you, or your covered Dependent Family Members may have by reason of any monetary damage or personal injury sustained as a result of or in connection with the provision or lack thereof of any and all Benefits or other benefits, services, or merchandise made available through or as a result of your Membership in the Association. The sole recourse available to you and your covered Dependent Family Members shall be cancellation of your Membership and any refund available as provided in the Risk-Free Review Period section of these Terms and Conditions. PAYMENT TO PROVIDERS FOR PRODUCTS AND SERVICES. You agree that you and your covered Dependent Family Members are solely responsible for payment of any amounts due for products or services obtained by you or your covered Dependent Family Members in connection with your Membership. Failure to make prompt payment of the amounts due may result in the termination of your Membership. None of the Companies shall be considered either a guarantor or payor for any products or services provided to any Member by any third party. USE OF MEMBER INFORMATION. Keeping your financial and personal information secure is one of our most important responsibilities. ABBA has established a Privacy Policy in furtherance of this responsibility. The Privacy Policy is available to all Members at, and you may request a copy of the Privacy Policy in writing by calling Member Services. INTERACTIVE MD makes no warranties or representations of any kind, whether expressed or implied for the Services. Your use of INTERACTIVE MD Services is at your sole risk. Neither INTERACTIVE MD, its employees, directors, affiliates, agents, third party information providers, merchants licensers or the like, warrant that INTERACTIVE MD Services will be uninterrupted, timely, secure or error free; nor do they make any warranty as to the results that may be obtained from the use of the Services or as to the accuracy, reliability or content of any information, service or merchandise contained in or provided through the INTERACTIVE MD Services, unless otherwise expressly stated in this Agreement. 16

19 TERMS AND CONDITIONS INTERACTIVE MD also DISCLAIMS ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE and will not be responsible for any damages that may be suffered by you, or viewers of your materials, including loss of data resulting from delays, non-deliveries or service interruptions by any cause or errors or omissions of INTERACTIVE MD. Use of any information obtained by way of INTERACTIVE MD is at your own risk, and INTERACTIVE MD specifically denies any responsibility for the accuracy or quality of information obtained through its services. INTERACTIVE MD makes no warranty that the Services will meet your requirements. INTERACTIVE MD is not responsible for transmission errors or corruption or compromise of data carried over local or interchange telecommunication carriers. Disclaimers YOU ACKNOWLEDGE THAT YOUR USE OR MISUSE OF THE SITE AND THE SERVICES IS AT YOUR SOLE RISK, AND THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL RISK ASSOCIATED THEREWITH. ALL INFORMATION, PRODUCTS, AND SERVICES CONTAINED ON OR PROVIDED THROUGH THIS SITE ARE PROVIDED AS IS WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, INTERACTIVE MD AND ITS MANAGERS, MEMBERS, SHAREHOLDERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS AND REPRESENTATIVES (COLLECTIVELY, AFFILIATES ) HEREBY DISCLAIM ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND FREEDOM FROM COMPUTER VIRUS STRAINS. WITHOUT LIMITING THE FOREGOING, INTERACTIVE MD MAKES NO WARRANTY AS TO THE RELIABILITY, ACCURACY, TIMELINESS, USEFULNESS, ADEQUACY, COMPLETENESS OR SUITABILITY OF THE INFORMATION, PRODUCTS, AND SERVICES PROVIDED HEREUNDER. WITHOUT LIMITATION OF THE FOREGOING, INTERACTIVE MD SPECIFICALLY DISCLAIMS ALL LIABILITY FOR THE ACTS OR OMISSIONS OF ANY PARTICIPATING PHYSICIANS PROVIDING MEDICAL CARE TO SUBSCRIBERS. You acknowledge and agree that we are not responsible for (i) any printing, typographical or technological errors regardless of the matter, media, material or form thereof, (ii) electronic, human, equipment programming or other error, omission, interruption, defect or delay which may occur regardless of the matter, media, material or form thereof, (iii) incorrect, inaccurate, late, lost, stolen, illegible, incomplete or misdirected matters or information regardless of the matter, media, information or form thereof, (iv) technical failures of any kind, (v) inadvertent loss of information; and/or (vi) unauthorized human intervention in any part, material or process or otherwise. INTERACTIVE MD MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT: THE SATISFACTION OF GOVERNMENT REGULATIONS REQUIRING DISCLOSURE OF INFORMATION ON PRESCRIPTION DRUG PRODUCTS; OR ANY TREATMENT, ACTION OR APPLICATION OR PREPARATION OF MEDICATION BASED ON INFORMATION OFFERED OR PROVIDED THROUGH THE SERVICES. INTERACTIVE MD does not endorse the promotions, products or services of any third parties. INTERACTIVE MD does not warrant or validate the information of any third party s advertisements, promotions, communications, or other materials. INTERACTIVE MD does not assume any responsibility or liability for the accuracy of information contained in the Site or as stated above under Third Party Web Sites. Content Disclaimers You should not use information found on this Site to replace a relationship with a physician or other healthcare professional and should not rely on the foregoing as professional medical advice. Always seek the advice of a physician or other qualified healthcare provider concerning questions you have regarding a medical condition, and before starting, stopping or modifying any treatment or medication. In the case of a health emergency, seek immediate assistance from emergency personnel. Never delay obtaining medical advice or disregard medical advice because of something you have or have not read on this Site. NEITHER THIS SITE, NOR INTERACTIVE MD PROVIDES MEDICAL ADVICE. THE PARTICPATING PHYSICIANS ARE NOT EMPLOYEES OF INTERACTIVE MD AND THEY ARE DIRECTLY RESPONSIBLE FOR THE QUALITY AND APPROPRIATENESS OF THE CARE THEY RENDER DIRECTLY TO YOU. The information and the Services provided on or through this Site are intended solely as a general educational aid and to assist you in finding a Participating Physician that, subject to his or her professional responsibilities, may or may not provide you with medical advice. The information and Services are not medical or health care advice for any individual problem or a substitute for medical or other professional advice and services from a qualified health care provider. Nothing contained in this Site is intended to be used for medical diagnosis or treatment or construed, directly or indirectly, as the practice of medicine or providing medical services by INTERACTIVE MD. Information contained in this Site is compiled from a variety of sources and may or may not be considered authored by INTERACTIVE MD. INTERACTIVE MD makes no representation or warranty as to any such Information. Fraud Prevention and Security INTERACTIVE MD may contact you by telephone, mail or to verify your Personal Contact Information. INTERACTIVE MD reserves the right to request further information from you and you agree to provide such further information, to ensure you have not fraudulently completed your registration on the Site or subscription to the Services. If you do not provide this information to INTERACTIVE MD, in the manner requested within fourteen (14) days of such request, INTERACTIVE MD may reject your registration and subscription or suspend your registration and subscription until you satisfactorily comply with INTERACTIVE MD s information request. Intellectual Property INTERACTIVE MD hereby grants you a limited, revocable, non-transferable and non-exclusive license limited solely to viewing or downloading a single copy of the material on the Site and to use the INTERACTIVE MD software to the extent necessary to use the Services solely for your personal, noncommercial use. With the exception of your Electronic Medical Records, INTERACTIVE MD retains all right, title and interest in and to INTERACTIVE MD, the Services and any information, products, documentation, software or other materials on the Site, and any patent, copyright, trade secret, trademark, service mark or other intellectual property or proprietary right in any of the foregoing, except for information on the Site licensed by INTERACTIVE MD, and in that case, the license provider retains all right, title and interest therein. The information available through the Site and the Services is the property of INTERACTIVE MD, or if licensed by INTERACTIVE MD, the license provider. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast, or circulate such information to anyone. Use, reproduction, copying, or redistribution of INTERACTIVE MD s trademarks, service marks and logos is strictly prohibited without the prior written permission of INTERACTIVE MD. The immediately foregoing sentence also applies to any third party trademarks, service marks and logos posted on the Site. Nothing contained on the Site should be construed as granting, by implication, estoppels, waiver or otherwise, any license or right to use any trademarks, service marks or logos displayed on the Site without the written grant thereof by INTERACTIVE MD or the third party owner of such trademarks, service marks and logos. The Site may contain other proprietary notices and copyright information, the terms of which you must and agree to follow. Your Submissions to INTERACTIVE MD INTERACTIVE MD welcomes your comments, suggestions and submissions. Any comments, suggestions and submissions made by you, including but not 17

20 TERMS AND CONDITIONS limited to, messages, notes, feedback, artwork, communications, computer code or creative materials provided to INTERACTIVE MD shall become the exclusive property of INTERACTIVE MD. At the time the comment, suggestion, and/or submission is made it shall act as a full assignment to INTERACTIVE MD of all rights whatsoever (copyright, patentability, and intellectual property). INTERACTIVE MD shall have the right to use said comment, suggestion, and/ or submission as its own for all legal purposes including but not limited to reproduction, disclosure, publishing, distribution and the like without any compensation to you. This section shall not include any personal information submitted by you that would be included as part of the Health Information Portability and Accountability Act of Indemnification YOU AGREE TO DEFEND, INDEMNIFY AND HOLD HARMLESS INTERACTIVE MD AND ITS AFFILIATES FROM AND AGAINST ANY AND ALL RIGHTS, DEMANDS, LOSSES, LIABILITIES, DAMAGES, CLAIMS, CAUSES OF ACTION, ACTIONS AND SUITS (NO MATTER WHETHER AT LAW OR EQUITY), FEES, COSTS AND ATTORNEYS FEES (INCLUDING APPELLATE LEVEL) OF ANY KIND WHATSOEVER ARISING, DIRECTLY OR INDIRECTLY, OUT OF OR IN CONNECTION WITH (I) YOUR USE OR MISUSE OF THE SITE OR THE SERVICES OR ANY INFORMATION POSTED ON THE SITE, (II) YOUR SUBSCRIPTION, (III) YOUR BREACH OF THE TERMS OF USE OR THE PRIVACY NOTICE, (IV) YOUR RELATIONSHIP WITH ANY PARTICIPATING PHYSICIAN, (V) THE CONTENT OR SUBJECT MATTER OF OR ANY INFORMATION YOU PROVIDE TO INTERACTIVE MD, ANY OF ITS AFFILIATES, ANY PARTICIPATING PHYSICIAN OR CUSTOMER SERVICE AGENT, AND/OR (VI) ANY NEGLIGENT OR WRONGFUL ACTION OR OMISSION BY YOU IN THE USE OR MISUSE OF THE SITE OR THE SERVICES OR ANY INFORMATION POSTED ON THE SITE, INCLUDING, WITHOUT LIMITATION, INFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS, PRIVACY RIGHTS, OR NEGLIGENT OR WRONGFUL CONDUCT. Third Party Protection The Indemnification and Disclaimers provisions set forth above are for the benefit of INTERACTIVE MD, and its Affiliates. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf. Fees for Service You agree to pay membership fees and/or Consultation fees, if any ( Fees ), as provided on the INTERACTIVE MD web site. All Fees shall only be payable with a valid credit card ( Valid Payment ), and shall be due prior to your receipt of Services. As further consideration for the Services, you agree to provide certain current, complete and accurate information about them as required by the registration for Services and maintain and update this information as needed, to keep it current, complete and accurate. By completing and submitting the registration form you represent that the statements in the form are true and accurate. You agree that any unpaid balance due hereunder shall bear interest at the rate of 18% per annum, or the maximum allowed by law, and that costs of collection, including court costs and reasonable attorney fees shall be added as principal amounts to such balance. INTERACTIVE MD reserves the right to modify its pricing structure at any time and shall post such modifications on the INTERACTIVE MD web site, prior to their implementation. Scheduled Consultations You understand and agree that by scheduling a Consultation with a Participating Physician through INTERACTIVE MD, you are committing yourself to be available to speak to the Participating Physician at the scheduled time ( Scheduled Consultation ). You understand and agree that all Scheduled Consultations, cancelled with less than twelve (12) hours notice, will be charged any Fees which may be due as you will be deemed to have used the Services. Jurisdiction and Choice of Forum laws of the State of Florida, as amended from time to time, without giving effect to any choice of law rules or principles. You agree that the Terms of Use contract is entered into in the State of Florida. You agree that any litigation filed in relation to the Terms of Use, or to your access to or use of the Services, will be filed in a federal or state court in Palm Beach County, Florida. Any cause of action or claim you may have with respect to INTERACTIVE MD must be commenced within one (1) year after it arises, except to the extent such limitation is not enforceable. To the fullest extent permitted by law, each party to this Terms of Use waives its or his or her right to a jury trial with respect to any dispute or other controversy arising from hereunder or your use of or access to the Services or web site. The Terms of Use, along with your agreement to pay any applicable subscription costs or fees, constitutes the entire understanding of the parties. Waiver Failure to exercise or delay in exercising any right hereunder, or failure to insist upon or enforce strict performance of any provision of this Terms of Use, shall not be considered waiver thereof, which can only be made by signed writing. No single waiver shall be considered a continuing or permanent waiver. Severability The provisions of this Terms of Use are severable, and in the event any provision hereof is determined to be invalid or unenforceable, such invalidity or unenforceability shall not affect the validity or enforceability of the remaining provisions, but such provision shall be reformed, if reasonably possible, only to the extent necessary to make it enforceable. Relationship of Parties Neither you, nor INTERACTIVE MD, its agents or employees, are the representatives of the other party, for any purpose and neither party has the power or authority as agent, employee or any other capacity to represent, act for, bind or otherwise create or assume any obligation on behalf of the other party for any purpose whatsoever. Spam and Compliance with Anti -Spamming Laws INTERACTIVE MD has a strict zero tolerance for unsolicited bulk , unsolicited posting to news groups or other illegal activities. You shall not use or permit any of its employees, agents or affiliates to: market, promote or solicit INTERACTIVE MD products in ways that violate the federal CAN-SPAM Act (Controlling the Assault of Non-Solicited Pornography and Marketing) or any other federal or state laws or regulations. You shall not infringe the rights of others, shall not distribute chain letters or unsolicited bulk electronic mail ( spamming ); propagate computer worms or viruses; use a false identity; attempt to gain unauthorized entry to any site or network; infringe copyrights, trademarks, or other intellectual property rights. You further agree to comply with U.S. export laws concerning the transmission of technical data and other regulated materials via the Worldwide Web. You agree to indemnify and hold INTERACTIVE MD harmless for any and all acts found or suspected to be in violation hereof. You shall indemnify and hold INTERACTIVE MD harmless against and from losses, damages, costs, and reasonable attorney fees, if any, incurred in defending and/or resolving any suits brought against INTERACTIVE MD or any of its employees, shareholders or officers, arising from any claims, by anyone arising out of an alleged violation of any anti-spamming rules, regulations, laws, statutes, and the like. Your account will be terminated for any of the above infractions. By accepting this agreement you are holding INTERACTIVE MD harmless for any and all of these actions and agree to the policies as stated and as amended from time to time. Entire Agreement This Terms of Use, together with any INTERACTIVE MD rules or policies referred to herein, and including your agreement to pay the applicable Fees for subscription to and use of the Services, represents the complete agreement between you and INTERACTIVE MD, and it replaces all prior oral or written communications concerning such subject matter. INTERACTIVE MD may modify this Terms of Use as set forth above. The Terms of Use shall be governed and construed in accordance with the 18

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