1. Health Discount Plan Exclusively From

2. Past Current New Insurance Out Of Pocket $ Premium Deductible Out Of Pocket $ Money Time Access Insurance Out Of Pocket $ Insurance Out Of Pocket $ New Approach Reduces Out of Pocket Costs

3. The Johnsons: One Familys Example $1,924 Current NeedsNew ApproachSavings 4 Urgent Care 2 Emergency Room 7 Dr visits 6 Phone Calls 1 Emergency Room 6 Dr visits $1096 3 with no dental insurance Save on 3 cleanings $203 No vision insurance2 sets of glasses $193 3-Tier Rx benefitNon-formulary drug $432

4. Benefits and Pricing ©2010 New Benefits, Ltd. 2/15/2014 | 4 This is NOT Insurance. BenefitHealthLifestyleComplete Consult A Doctor TM Dental Vision Pharmacy Diabetic Vitamins Hearing LifeLock Legal Roadside Assistance Price$11.99$16.50$21.99 Best Value! Not available in KS, VT, UT, WA

5. Consult A Doctor TM On-demand healthcare via phone or email – 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 needlessly wait for a doctor again! 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 in to your local pharmacy for pickup | 5 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

6. Dental Savings of 15% to 50%* on most dental procedures Over 92,500 participating Aetna dentists nationwide** Save on routine dental services such as x rays and fillings. Orthodontics, Periodontics & Endodontics No limit on the number of visits *Actual costs and savings vary by provider and geographical area. ** According to the Aetna Enterprise Provider Database as of November 1, 2010. | 6 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

7. Vision 20% to 60% savings on eyewear Over 12,000 participating vision locations nationwide Most frames, lenses and specialty items are available 10% to 30% savings on eye exams Accepted by LensCrafters, JCPenney, EyeMasters, Pearle Vision, Sears, Sterling Optical, Target, and more 10% to 40% savings on mail order replacement contacts Save 40% to 50% off the overall national average on LASIK surgery | 7 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

8. Pharmacy | 8 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Save 10% to 85% on short term, acute care medications such as antibiotics & pain killers Over 60,000 chain & independent pharmacies nationwide including Wal-Mart, Rite-Aid, CVS, Walgreens, Kroger, etc. Open Formulary (includes new & experimental drugs) In 2009 members saved more than $51 million with an average savings of 33% Mail-Order program with guaranteed lowest pricing on maintenance medications (will beat AARP by 10%) Discount drug pricing tool – www.rxpricequotes.comwww.rxpricequotes.com Not available in KS, VT, UT, WA

9. Save dramatically over retail prices of diabetic supplies Product packages from $29.99 to $169.99/month Packages include glucose meter, control solution, test strips, lancets & lancing device 60% less than average competitor price Featuring Glucolab TM products Diabetic Services | 9 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

10. Extra 10% savings on 12,000+ nutritional or health products Online or phone ordering Discounts on skin care products via Dermstore.com Vitamins | 10 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

11. Savings online & in-store with Newport Audiology, TruHearing & Beltone Free hearing screening 35% discount at Newport Audiology 37-58% discount at TruHearing 15% savings at Beltone 40-60% off National Retail Pricing through Mail Order Hearing | 11 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

12. LifeLock Identity Alert: early detection/notification of your personal information used to apply for credit or services WalletLock: helps cancel/replace contents of a lost wallet eRecon: patrols web for illegal trading of your information TrueAddress: notifies change of address request for you Free annual credit reports; fewer pre-approved credit card solicitations; 24-hour customer service $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 LifeLock | 12 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

13. Legal Care | 13 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Nationwide network of 20,000 attorneys Plan attorneys charge $125.00 per hour, or when appropriate, 40% off their usual & customary hourly rate Referred attorney will provide 9 free services*, including: Unlimited initial phone consultations for new legal matters Review independent legal documents (6 pg max per new matter) When appropriate, write letters on members behalf When appropriate, make phone calls on members behalf Assistance solving government problems such as welfare / INS Assistance with small claims court representation Free simple will with annual updates * Costs and filing fees additional, specific definitions apply. Not available in KS, VT, UT, WA

14. Roadside Assistance | 14 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. 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 Fuel, Oil, Fluid and Water Delivery Service Lock-Out, Flat Tire, Battery & Collision Assistance 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) Not available in KS, VT, UT, WA

15. Product Advantages Strategic part of the Total Benefits Solution Offset growing out of pocket expenses Reduce Loss Ratio Make HSA/HRA/FSA funds go farther Dont need to leave work / home to consult a physician No limit on number of visits Benefit for insured & uninsured One price for cardholder & dependents | 15 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA

16. Questions? | 16 ©2010 New Benefits, Ltd. 2/15/2014 This is NOT Insurance. Not available in KS, VT, UT, WA