For all agent sales materials, login to your Back Office and click on the Info Tab at a1healthcare.com/manage For Sales Agent Use Only

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1 For all agent sales materials, login to your Back Office and click on the Info Tab at a1healthcare.com/manage For Sales Agent Use Only

2 Review the following details of the plan: Training Objectives o American Business Association My Association Saving Benefit True Care Auto Buying Service 24-Hour Emergency Roadside Assistance Lenscrafters Vision Club Gateway Medicard o Insured Benefits Advanced Dental High & Low Plan Underwritten by United Concordia Dental o Limitations and Exclusions Select Access Agent Trainingv1 2

3 American Business Association This plan is available through an American Business Association (ABA) membership. The American Business Association (ABA) is a growing group of members, consisting of consumers, small business owners, self-employed individuals, and their families. Through the collective purchasing power of all our members, we developed a comprehensive program that enables our members to receive a wide variety of discounts, privileges and other services. The privileges of this membership are specifically designed to provide our members with the opportunity to save money on future purchases of numerous goods, services and insurance coverage.

4 Health Depot Association Benefits Benefits Consumer Discounts My Association Saving Benefits My Association Saving Benefits provides members with exclusive perks and over $4,500 in savings on everything from pizza and the zoo, to movie tickets, oil changes, hotels, and car rentals! And, with over 102,000 available discounts across 10,000 cities in the United States and Canada, you ll never be far from savings! Member Auto Buying Service Save time and money shopping for a new or used car through True Car's network of thousands of Certified Dealers. Members receive exclusive pricing and price protection, so you will be guaranteed to receive the lowest price and will experience hassle-free buying at home and at the dealer. Gateway Medicard In an emergency, getting vital health information to medical personnel quickly could be critical. Your Gateway Medicard keeps your personal medical profile handy at all times. Carry it with you at work, on vacation, or just walking in your neighborhood. LensCrafters Vision Club Through this program, you and your eligible family members will receive a 20% discount on all purchases at any LensCrafters locations nationwide. The discount may be used by all family members, with unlimited usage! 24-Hour Emergency Roadside Assistance Association Members can gain peace of mind on the road by registering for Emergency Roadside Assistance. You will be covered for the first $50 per occurrence for each covered emergency expense, including towing, flat tire assistance, battery service and lock-out service. You are responsible for paying providers directly for any charges over $50 per occurrence and for any non-covered expenses.

5 Insured Benefits

6 United Concordia Dental United Concordia is a leading national dental carrier that delivers high-quality, cost-effective dental programs. Headquartered in Harrisburg, PA, the company has approximately six million members and a network of more than 100,000 unique dentists at 240,000 access points nationwide. United Concordia has a company wide commitment to superior customer service, which is evident in the design, implementation, administration and servicing of its dental benefits programs.

7 Benefits are effective the first of the month after the first payment is processed. Representative listing of covered services certificate of coverage provides a detailed description of benefits. 1 Dependent children covered to age Reimbursement is based on our schedule of maximum allowable charges (MACs). Network dentists agree to accept our allowances as payment in full for covered services. Non-network dentists may bill the member for any difference between our allowance and their fee (also known as balance billing). United Concordia Dental s standard exclusions and limitations apply.

8 Benefits are effective the first of the month after the first payment is processed. Representative listing of covered services certificate of coverage provides a detailed description of benefits. 1 Dependent children covered to age Reimbursement is based on our schedule of maximum allowable charges (MACs). Network dentists agree to accept our allowances as payment in full for covered services. Non-network dentists may bill the member for any difference between our allowance and their fee (also known as balance billing). United Concordia Dental s standard exclusions and limitations apply.

9 Limitations & Exclusions Exclusions and limitations may differ by state as specified below. Only American Dental Association procedure codes are covered. EXCLUSIONS The following services, supplies or charges are excluded: 1. Started prior to the Member s Effective Date or after the Termination Date of coverage under the Group Policy (for example but not limitation, multi-visit procedures such as endodontics, crowns, bridges, inlays, onlays, and dentures). 2. For house or hospital calls for dental services and for hospitalization costs (facility-use fees). 3. For treatment of fractures and dislocations of the jaw. 4. For treatment of malignancies or neoplasms. 5. Replacement or repair of lost, stolen or damaged prosthetic or orthodontic appliances. 6. For treatment and appliances for bruxism (night grinding of teeth). 7. Those not Dentally Necessary or not deemed to be generally accepted standards of dental treatment. If no clear or generally accepted standards exist, or there are varying positions within the professional community, the opinion of the Company will apply. LIMITATIONS Covered services are limited as detailed below. Services are covered until 12:01 a.m. of the birthday when the patient reaches any stated age: 1. Full mouth x-rays one (1) every 5 year(s) Bitewing x-rays one (1) set(s) per 12 months under age nineteen (19) and one (1) set(s) per 18 months age nineteen (19) and older Oral Evaluations: Comprehensive and periodic two (2) of these services per 12 months. Once paid, comprehensive evaluations are not eligible to the same office unless there is a significant change in health condition or the patient is absent from the office for three (3) or more year(s). Limited problem focused and consultations one (1) of these services per dentist per patient per 12 months. Detailed problem focused one (1) per dentist per patient per 12 months per eligible diagnosis Prophylaxis two (2) per 12 months. One (1) additional for Members under the care of a medical professional during pregnancy. 5. Fluoride treatment one (1) per 12 months under age fourteen (14). For a full list of limitations and exclusions, please refer to the Product Flyer and Policy Certificate. THIS PLAN DOES NOT MEET THE MINIMUM ESSENTIAL HEALTH BENEFIT REQUIREMENTS FOR PEDIATRIC ORAL HEALTH AS REQUIRED UNDER THE FEDERAL ACA.

10 Overview A one-time membership fee is collected by the ABA with the first month's dues. After enrolling, members receive: Welcome including access to Member Portal Access to ID Cards and fulfillment materials at a1healthcare.com/members or by calling (800) Members have 30 days to review all membership materials or make any changes. The 30-day period begins on the member s effective date. First of the month effective dates only. If a member chooses to cancel their membership within the 30-day period, they will receive a full refund of monthly membership dues.

11 Contact Information Submit all claims to: United Concordia Companies, Inc Dental Claims P.O. Box Harrisburg, PA Customer Service Toll-Free at Agent Services (800) Collections & Payments (800) Commission Inquiries

12 For all agent sales materials, login to your Back Office and click on the Info Tab at a1healthcare.com/manage For Sales Agent Use Only