Available Benefits

1. Innovative Strategies to Reduce Healthcare Costsand other Value Added Benefits Proprietary and Confidential

2. Managing Healthcare Costs Employers continue to seek creative solutions to reduce healthcare costs, decrease absenteeism and increase productivity They have been forced to restructure their benefit plans, often reducing benefits and raising deductibles and co-pays This leaves some gaps in coverage and more exposure for employees This also leaves some strategic opportunities Proprietary and Confidential

3. Managing Healthcare Costs One creative solution that can fill in these gaps and minimize exposure for employees is the HealthPerx™ Card, which offers a range of affordable healthcare benefits. These benefits offer the entire family thousands of dollars in savings. At the same time it offers the employer those creative solutions they seek - reduced absenteeism, increased productivity and decreased overall healthcare costs. Proprietary and Confidential

4. 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. Proprietary and Confidential

5. Benefit Choices Proprietary and Confidential

7. Individuals often leave work for minor issues which results in loss of productivity and unnecessary costs

8. Individuals overuse Urgent Care and ERs TeleHealthcan provide immediate access to healthcare to every individual wherever they are, whenever they need it, without any added cost. The most efficient and cost effective method to deliver telemedicine is by phone. Proprietary and Confidential

9. Studies Show Physician telephone consults … have been proven to replace 45%-64% of doctor office visits and 15%-35% of hospital ER visits. Source: TelaDoc 2007 Survey and Consult A Doctor Survey Results 2010 Costs can be reduced as the healthcare system moves from in-person physical exams to virtual visits. The average ER visit is $1024 and primary care office visit is $140. Source: BCBS 2007: Health Cost Estimator Patient satisfaction with telemedicine is high…due to convenience, comfort , privacy…and the security of having 24-hour access. Source: Us Department of Commerce, Office of Technology The Challenge: Most telemedicine services require a co-pay. This represents a significant barrier resulting in low usage rates. We have eliminated that barrier. Proprietary and Confidential

11. When your physician is not available

12. For non-emergent medical conditions or questions

13. After normal business hours, nights, weekends

14. When on vacation or in the field

15. Requesting prescriptions or refills

16. Survey Results (Jan.-Jun. 2010)

17. Patient calls for Consult a Doctor™ services are diagnosed and treated successfully over 94% of the time (the other 6% cannot be treated by phone) with 98% satisfaction rating.

18. 64% of callers would have gone to physician and 15% to the ER—a significant savings of time and money.Disclosures Consult A DoctorTM physicians do not prescribe controlled medications. Consult A DoctorTM is not insurance. Consult A DoctorTM does not replace your primary care physician. Proprietary and Confidential

20. Progressive—trained in telemedicine

21. Quality Care—board certified and state licensed

22. US Based—available anytime, anywhere, for anyone

23. Compassionate—professional and knowledgeable

25. Bronchitis

26. Allergies

27. Sinus and respiratory infections

28. Headaches, stomach aches, diarrhea

29. Urinary tract infections

30. Prescription refills

31. Second OpinionsProprietary and Confidential

33. Diagnosis, treatment and prescriptions when appropriate

34. Never wait for a doctor again

35. All physicians U.S.-based, licensed, board-certified, rigorously credentialed and experienced

36. Saves Employers: Can reduce absenteeism, increase productivity and decrease overall healthcare costs

37. Saves Employees: Can save thousands of dollars a yearProprietary and Confidential

38. Return on Investment Expected ROI for this program ONLY calculates the Consult A Doctor benefit. All other benefits are simply considered value-added in this example. Assumptions: Company Contribution of $7.95 PEPM Usage based on 2.4 members per family Average office visits 3.07 per person per year Average ER visits .405 per person per year Productivity value measured on employees With 20% participation: Receive $1.86 for every $1 invested With 33% participation: Receive $3.07 for every $1 invested With 50% participation: Receive $4.65 for every $1 invested Imagine if every corporation strongly encouraged a “call first” policy Disclosures: Office and ER visits taken from CDC Nat’l. Center for Health Statistics. Costs per office and ER visit based on BCBS negotiated rates. Reductions in office and ER visits based on actual survey results. Proprietary and Confidential

39. Pharmacy Savings Card The prescription drug benefit network delivers significant discounts on both brand-name and generic drugs at over 60,000 pharmacies across the United States. Members save between 15% and 75% on prescription drug purchases, with an average of 52% off the retail price of most Rx purchases. Even though employees may have a pharmacy benefit, many prescriptions aren’t covered. Ex: cosmetic drugs, appetite suppressants, smoking cessation prescriptions, prenatal vitamins or nutritional supplies, inject-able supplies, contraceptive devices, immunizations and vaccines and many more Our card covers them all. The Pharmacy Savings Card is NOT Insurance. Proprietary and Confidential

41. Generic Navigator - find generic equivalents of a brand name drug and compare prices of the brand drug and generic equivalents available within the discount network.The Pharmacy Savings Card is NOT Insurance. Proprietary and Confidential

42. Pharmacy Savings Card Example of Generic Navigator • How it helps families save money • How it promotes consumerism Drug Selected LIPITOR 40 MG Tablet QTY 30 =$133.18 (discounted price) Generic Alternative GENERIC PRODUCT NOT AVAILABLE N/A Optional Drugs within this Therapeutic Class Speak to your Physician about a therapeutic alternative. SIMVASTATIN 40 MG Tablet QTY 30 =$10.66 PRAVASTATIN SODIUM 40 MG QTY 30 =$13.67 LOVASTATIN 40 MG Tablet QTY 30 =$26.76 LESCOL 40 MG Capsule QTY 30 =$90.81 MEVACOR 40 MG Tablet QTY 30 =$124.02 CRESTOR 40 MG Tablet QTY 30 =$127.01 Proprietary and Confidential

44. Save on cosmetic surgery procedures, including skin resurfacing, acne scars, liposuction, and more.

45. One of the largest physician and hospital networks in the nation.

46. No age or health restrictions.Proprietary and Confidential

48. Find the best doctors, hospitals and other providers

49. Resolve insurance claims and billing issues

50. Save time and money on healthcare bills

51. Locate and research current treatments for a medical condition

52. Help members make informed medical decisions

53. Schedule appointments with hard to reach specialists

54. Secure second opinions to provide peace of mind

55. Identify renowned "best in class" medical institutionsProprietary and Confidential

57. Conflicts at work or home

58. Reliance on alcohol, drugs, tobacco or food

59. Sexual, physical or emotional abuse

60. Loss and grief

62. Counselors follow up and monitor progress until member is satisfied

63. Services are confidential Proprietary and Confidential

65. Over 76,000 dental practice locations.

66. Save on specialty care, orthodontics, endodontics and periodonticswhere available.

67. No limit on number of visits*Actual costs and savings vary by provider and geographical area. ** According to the Aetna Enterprise Provider Database as of October 1, 2008. . Dental Discounts not available to Vermont residents

68. Savings Examples Service Cost* Aetna Cost Savings Adult Cleaning $96 $56 $40 42% Child Cleaning $69 $39 $30 43% Routine Checkup $49 $29 $20 41% Four Bitewing X-rays $61 $34 $27 44% Composite Filling $163 $84 $79 48% Crown $889 $597 $292 33% (porcelain fused to noble metal) Complete Upper Denture $1207 $800 $407 34% Molar Root Canal $1005 $678 $327 33% * This represents average fees for procedures done in Los Angeles, Orlando, Chicago and New York in 2009. Proprietary and Confidential

70. Savings on eye exams and 40-50% off the national average on LASIK surgery and PRK (where available)

71. Savings of 10%-30% on contacts

72. Over 12,000 locations including national chains and independent providersPearle •Sears • JC Penny •Target • LensCrafters • Sterling •EyeMasters• QualSight LASIK Vision Discounts not available to Vermont Residents

73. Vision Care Savings Example 1 - New York, NY Regular Exam (Ophthalmologist) $150.00 CTC Member pays: $120.00 Savings: $30.00 20% Conventional Lasik: $5,500.00 CTC Member Pays: $3,600.00 Savings: $1,900.00 35% Example 2 - Dallas, TX Regular Exam (Ophthalmologist) $190.00 CTC Member pays: $133.00 Savings: $57.00 30% Frames (Regular) $89.95 CTC Member Pays: $54.47 Savings: $31.48 35% Progressive / Polycarbonate $209.00 CTC Member pays: $156.75 Savings: $52.25 25% Proprietary and Confidential

76. Receive the lowest price available.

77. 45-day in-home trial period and 1year factory warranty Proprietary and Confidential

78. Other Health Benefits Diagnostic Lab, X-Ray and Imaging Affordable:Deeply Discounted Rates – 40-70%. Never have to pay full price for any lab work, x-rays or imaging again. Savings are bigger than any PPO or insurance company offers. Convenient: Choose the lab location that's best for you…near home, work, or even while traveling. Quality: We use only federally and state certified clinics, including such names as LabCorp. Over 2900 radiology centers in the US. Easy Laboratory Testing: Order your tests online or call us. Have the test(s) performed at the lab and generally within 48 - 72 hours, you will be notified of your test results. It's that easy. No co-pays No deductibles Confidential: Results sent only to you. See how easy it is to order a lab test: http://hlperx.prepaidlab.com/ Proprietary and Confidential

79. Other Benefits Proprietary and Confidential

82. WalletLock™ helps cancel and replace the contents of a lost or stolen wallet

83. eRecon™ patrols the web and notifies you of illegal selling or trading of your information

84. TrueAddress™ notifies you when a change of address is requested in your name

85. Free annual credit reports from the three major credit-reporting agencies

86. 24-hour customer service

87. $1 million total service guarantee –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 Proprietary and Confidential

89. Initial one-on-one consultations for new legal matters

90. Document review (6 pages or less)

91. Letters written on the member’s behalf

92. Phone calls made on member’s behalf

93. Assistance with governmental programs

94. Assistance with small claims court representation

95. Free simple will with free annual updates

96. Free living will—state specificEight 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. Proprietary and Confidential

97. Lifestyle Benefits Tax Help Line Unlimited advice on federal taxation Free tax return preparation for forms 1040 EZ, 1040A and standard 1040 Deep discounts on numerous other tax schedules IRS audit assistance Tax planning Review of prior year's tax return Member portal with tax tips, tax law changes, member advice and much more Pet Care- Receive 25% off all services at participating vets. Free pet tag and 24/7 location service. Receive 10-30% off at participating providers on pet services, such as boarding, doggie day care, training, pet sitting and grooming. Fitness Club Discounts-International Fitness Club Network--Guaranteed lowest rates at over 8,500 quality fitness centers nationwide. Introductory Free Week Trial to all clubs. All meet ACSM guidelines. Proprietary and Confidential

99. Fulfillment Kit and Membership Cards

100. Website Access to benefits and provider locators

101. Onsite member services call center staffed with English and Spanish speaking representatives who can help with enrollment, verify discounts and assist with customer service issues.

102. Compliance Department monitoring state legislative requirements

103. Marketing assistance and brochures

104. Money Back Guarantee

105. All benefits are good for the entire family**LifeLock™ benefit covers cardholder only Proprietary and Confidential

107. Fully insured companies with high deductible plans

108. Limited-liability plans

109. Schools, Government, AssociationsThese low cost benefits complement any insurance plan by offering innovative strategies for reducing absenteeism, increasing productivity, and decreasing overall healthcare costs for the employer while encouraging employees to take more responsibility for their healthcare costs. Proprietary and Confidential

110. Value Proposition Proprietary and Confidential

111. Standard Benefits Package Proprietary and Confidential

112. .lllllllllllllllllllll Health Package Using All Selections Can create any combination the client wants

114. Contact: Sample HealthPerx™ Card Website www.hlperx.com Proprietary and Confidential