Disclosures: This plan is NOT insurance. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 671309, Dallas, TX.

Disclosures:

This plan is NOT insurance.

Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department,

PO Box 671309, Dallas, TX. 75367-1309

This plan provides discounts at certain healthcare providers for medical services.

This plan does not make payments directly to the providers of medical services.

The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization.

This discount card program contains a 30 day cancellation period.

Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date.

The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received.

Joel Ray – CEO

Terry Tullo – President

Marti Powles – Executive Vice President

Greg Schlatter – Executive Vice President Business Development

NEW BENEFITS LEADERSHIP

Dulce Bozeman Vice President Client Services

Jeff Edwards Vice President Finance

Bill Gibson Vice President New Business Sales

Liz Gray Vice President Communication Special Projects

Sandy Heard Vice President Human Resources

Kenda Hoffman Vice President Client Marketing

Robert Morfin Vice President Compliance

Wayne Orchard Vice President Vendor Relations

Kenny Simmel Vice President Information Technology

Mike Vance Vice President Print Services

Patty Schulz Vice President Call Center Operations

Stacie Wagner In House Counsel

NEW BENEFITS SENIOR STAFF

COMPANY HISTORY

+Founded in 1990 by Joel Ray, CEO

+Privately held with over 100 employees in Dallas, Texas

+Owns and operates Coast to Coast Vision™, UHS Chiropractic™, New Benefits Pharmacy, miQuotes.com

+Supports over 3,000 private label groups

+Services 20+ million members

+Registered, bonded and licensed in states where required by law to sell discount medical benefits

+On-site print shop with state-of-the-art printers providing variable data, print-on-demand membership kits

OUR MISSION

Our mission is to be recognized as the premier national wholesaler of meaningful discount programs and technologically advanced turnkey solutions delivering

• “Dazzling” service and responsiveness

• Flexible support and administration

• Imaginative design and customization

• Innovative printed materials

HEALTHCARE TRENDS

1 in 4 Americans say healthcare is the top issue in the nation today

After catastrophic health coverage, disability and long term care, the following benefits are considered most important by Americans according to USA Today

+ PRESCRIPTION DRUGS+ ROUTINE MEDICAL TREATMENT+ VISION CARE+ DENTAL CARE+ MENTAL HEALTH

HEALTH BENEFITS

*Pharmacy discounts are not insurance and not intended as a substitute for insurance. Hospital discounts are not available in MD and VT. Travel Assist is not available for OR, CT, FL & WA residents. Dental, Vision, Chiropractic, Long-Term/Elder Care and Physician Visit benefits are not available to VT residents.

Consult A Doctor™ Hearing Aids & Products

Nurse Hotline VIP Health &

Wellness

Pharmacy – Retail & Mail Order (Vitamins & Diabetic

supplies)

Dental Care Medical Supplies

Vision Care Family Consultation

LifeLock Identity (employee only)

Roadside Assistance

Legal Club Direct (Legal Club of America)

LIFESTYLE BENEFITS

THESE BENEFITS ARE NOT INSURANCE

+ EASY TO USE

+ NO HEALTH RESTRICTIONS

+ USE IMMEDIATELY UPON RECEIPT OF CARD

+ NO LIMIT ON NUMBER OF VISITS

+ NO PAPERWORK

HEALTH BENEFITS

CONSULT A DOCTOR™

+ On-demand healthcare – wherever and whenever you need, as often as you need.

+ Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Never wait for a doctor again!

+ Our network of physicians is U.S.-based, licensed, board-certified, rigorously credentialed and experienced.

+ Access to a physician from anywhere via telephone or e-mail , 24 hours a day, 7 days a week

+ Prescriptions phoned into your local pharmacy for pickup.

Disclaimers: Consult A Doctor does not replace the primary care physician. Consult A Doctor is not insurance. Consult A Doctor does not prescribe controlled medications.

NURSE HOTLINE

+ Toll-free telephone access to experienced registered nurses, 24 hours a day, 365 days a year.

+ Answers to questions about prescription and over-the-counter medication usage and interaction.

+ Audio health information library with over 100 health-related topics in English and Spanish.

+ Services for non-English speaking callers and the hearing impaired.

PHARMACY – RETAIL

+ Save 10% to 60% on short term, acute care medications such as antibiotics and pain killers.

+ Over 60,000 chain and independent pharmacies nationwide including: Wal-Mart, Rite-Aid, CVS, Walgreens, Kroger and many more.

+ For 2009– we processed more than 3 million prescriptions and saved members more than $51 million with an average savings of 33%.

+ Discount drug pricing tool – www.rxpricequotes.com

Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies.

PHARMACY – MAIL ORDER

+ Guaranteed lowest pricing on maintenance medications.

+ Prices average 10% below AARP.

+ Minimum of $5 off best local retail price quote – brand or generic over $10.00 Guaranteed!*

+ Open Formulary (includes new and experimental drugs).

+ Outstanding quality control.

+ Home delivery with no postage or dispensing fees.

+ Toll-free number for price quotes and ordering.*The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards. *Pharmacy discounts are not insurance and are not intended as a substitute for insurance.

DENTAL CARE

+ Savings of 15% to 50%* on most dental procedures

+ Orthodontics, Periodontics & Endodontics

+ Over 81,000 participating Aetna dentists nationwide**

+ No limit on the number of visits

*Actual costs and savings vary by service, provider and geographical area. ** According to the Aetna Enterprise Provider Database as of June 1, 2009.Dental Benefit is not available to VT residents.

VISION

+ 20% to 60% savings on eyewear.

+ Over 12,000 participating Coast to Coast Vision™ locations nationwide.

+ Most frames, lenses and specialty items are available.

+ 10% to 30% savings on eye exams.

+ No limit on the number of times membership may be used during the year.

+ Accepted by LensCrafters, JCPenney, EyeMasters, Pearle Vision, Sears, Sterling Optical and Target.

Vision Benefit is not available to VT residents.

VISION (MAIL ORDER CONTACTS)

+ Convenient toll-free ordering

+ 10% to 40% savings on mail order replacement contacts.

+ Most major brands of soft & gas permeable lenses are available including:

DisposableAcuvueDurasoftEncoreFreshlookBiomedicSoflensOptima

Gas PermeableBostonFluoropermFocus

VISION (OPHTHALMOLOGY)

+ 10% to 30% savings on eye exams.

+ Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).

+ Nationwide network of Laser Surgery Centers and independent ophthalmologists.

+ PRK and LASIK

HEARING AIDS

Beltone Network+ Over 1,350 Beltone locations nationwide+ Save 15% on over 70 models of Beltone

hearing devices.+ Free hearing test.

Mail Order Service+Over 100 makes and models+Save 40% to 60% off National Average Retail Pricing+Free 45-day in-home trial period.+Low member prices on factory fresh batteries

Newport Audiology Centers+35% discount off hearing aid prices at over 2,000 locations+100% Service Satisfaction during the first 60 days

VITAMINS

+ Toll-free and online shopping. Choose from brand names you know and trust such as Country Life, Natures Way, Twinlab and Enzymatic Therapy.

+ Up to 80% savings on the retail price of over 12,000 products.

+ Timely, convenient home delivery of vitamins, supplements and a wide variety of natural health products.

+ All purchases include a 30-day unconditional money-back guarantee.

DIABETIC SUPPLIES

+ Many different product packages to choose from based on testing requirements. Product packages are designed for everyday testing.

+ Product packages are priced from $29.99/month to $169.99/month, which is 60% off the average competitors' retail prices.

+ Save an additional 15% off on any single order items including test strips, lancets, lancing device, and more.

+ Toll-free ordering, regular shipments and convenient home delivery on all diabetic supplies.

MEDICAL SUPPLIES

+ Save 20% to 50% and receive a $5 discount on orders of $100 or more

+ Toll-free and online ordering for convenient home delivery on a wide range of health and wellness products.

FAMILY CONSULTATION SERVICES

+ Talk to experienced counselors who can provide knowledgeable answers to questions about child and elder care services.

+ Save countless hours finding a care provider to meet your specific needs.

+ Receive a personalized referral packet with detailed provider profiles within 48 to 72 hours.

+ Receive easy-to-read educational materials providing notes and guidebooks covering a broad range of dependant care topics.

LIFELOCK

+ LifeLock Identity Alert™ System – provides early notification by email, postal mail, and/or phone whenever they detect your personal information being used to apply for many forms of credit or services

+ WalletLock™ helps cancel and replace the contents of a lost or stolen wallet. eRecon™ patrols the web and notifies you of illegal selling or trading of your information. TrueAddress™ notifies you when a change of address is requested in your name

+ Free annual credit reports from the three major credit-reporting agencies

+ Fewer pre-approved credit card solicitations.+ 24-hour customer service+ $1 million total service guarantee – as a LifeLock member, if

you become a victim of identity theft because of a failure in their service, they will help you fix it at their expense, up to $1,000,000 (Restrictions apply. See lifelock.com for details)

ROADSIDE ASSISTANCE

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

LEGAL CARE DIRECT

+ Nine free services which include:Unlimited initial phone consultations for new legal mattersInitial one-on-one consultations for new legal mattersDocument review (6 pages or less)Letters written on the member’s behalf Phone calls made on member’s behalfAssistance with governmental programsAssistance with small claims court representationFree simple will with free annual updatesFree living will

+ Eight commonly used legal services deeply discounted, such as traffic ticket defense, name change, simple divorce, simple trust and more.

+ Plan attorneys will either charge $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater.

EVERYONE BENEFITS!

Member Demographics– All Age Groups– Seniors– Travelers– The Insured With High Deductible Plans– The Non-insured

DIFFERENTIATORS

+ Dazzling Customer Service

+ Patient Advocacy Program

+ Money Back Guarantees

+ VIP Client Desk

+ Vendor Due Diligence and Test Calls

+ Innovative Technology Offering Maximum Flexibility

+ Compliance Department Monitoring State

Legislative Requirements

+ HIPAA Compliant

+ Founding Member of Consumer Health Alliance

DIFFERENTIATORS

MEMBERSHIP FULFILLMENT

• Full color laminated card - designed to your graphic specifications

• Every member receives 2 cards

• The card is showcased in a window envelope for a custom look without the expense of pre-printing

• Completely automated card printing and lamination process

• Kits include: "Welcome letter", "How to use" benefit information, and Personalized Provider Listings for each member’s zip code.

!!!!!! NEED TO TAKE OUT PUCTURES ON TOP !!!!!!!!!!!!

NEED THE BOOK FOR OSC / PEOPLES HEALTH EXPRESS

WHAT MEMBERS SAY…

“I was prescribed Clomiphene Citrate, which isn't covered by my insurance. I went to my local CVS pharmacist, who told me the retail price would be $162.00. I did a search online with my discount card and found a pharmacy two doors down selling it for $72.00.” — Raul L. from FL ADD  INFO ON THE PRODUCT ON OSC USES PRODUCTS !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!“I wanted to take a moment to say thanks for your discount medical program. It is beyond my best expectations. I used it today and I have to tell you it was everything you said it was and more. I had a tooth infection, I called TelaDoc and in less than 5 minutes a doctor called, in 1 hour I picked up a script. UNREAL. I’ll tell everyone I know how awesome this program is.” — Greg J. from CA “The cheapest I could find my insulin was $64.00. In using your program I have managed to get four vials and it only cost me $11.64. I’m on Medicare Part A and Part B, but it’s not being paid for yet. I want to thank you for doing this for me.” — Dawn W. from IL “I love TelaDoc!  I used it when I had poison ivy. I was only sorry I hadn’t used it days earlier.  It was easy, quick and very convenient.  I called TelaDoc at 7:30 p.m. and had my prescription ready at CVS at 9:00 p.m. Then, I used my discount card for my prescription for steroids and they were half price.” — Celeste C. from TX “I discovered that my orthodontist happens to be a registered provider. Unfortunately, four of my seven kids have already had braces, so there was nothing I could do where they are concerned. BUT, just for showing him my card, the orthodontist literally ERASED OVER $1,100.00 from the remaining bill on my two kids currently in braces.” — Bob C. from UT

WHAT OUR CLIENTS SAY…

“Superior efficiency coupled with exceptional responsiveness is the reason why New Benefits excels in a sea of competition.” — Assurant Group “Tens of thousands of our customers are benefiting significantly from the unique products developed by New Benefits.” — Pioneer Services

“I continue to be impressed with New Benefits. Each employee that I have been privileged to work with has proven that they embrace change and execute with urgency. It is truly a pleasure doing business with New Benefits.” — Consumer Benefits Association of America

“We have been a client of New Benefits for 8 years.  Each year, they raise the bar with regard to service, attention to detail, responsiveness and flexibility.  It is no surprise they are a leader in the discount benefit industry. Each employee, from the member service representative to the account executive to the CEO, exudes professionalism and dependability. ”— Transamerica Worksite Marketing CHANGE ABOVE FOR PRODCUCTGS IN OSC PROGRAM !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!