UNIVERSAL BENEFITS DISCLOSURES / TERMS AND CONDITIONS.

Compliance Disclosures

A.   This plan is NOT insurance

B.   This discount card program contains a 30 day cancellation period.

C.   AR and TN residents: A refund of all fees will be issued if membership is
      cancelled within the first 30 days.

D.   MD Residents: The membership fee and one-time registration fee (minus $5.00) will
      be refunded if cancelled within the first 30 days and upon return of the discount card.

E.   Discount Medical Plan Organization: New Benefits, Ltd. 14240 Proton Rd. Dallas, TX
      75244,

F.   FL, LA, ND, OK, SC, SD and TX residents: Member shall receive a full refund
      of membership fees, excluding registration fee, if membership is cancelled within
      the first 30 days after receipt of membership materials.

Benefit Disclosures

A.   Hospital Discounts NOT available in MD and VT

B.   Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance

C.   The discount is only available at participating pharmacies.

D.   Dental Benefit is not available to VT residents.

E.   Chiropractic Benefit is not available to VT residents.

F.   Vision Benefit is not available to VT residents.

Terms & Conditions and Refund Policy

1.   Member is defined as primary member, spouse, and all legal dependents. All legal
      dependents are automatically registered and no additional registration is required.

2.   At any time, a participating professional may be eliminated from the respective network in
      which they are associated.

3.   Companies providing benefits and discounts in this program are not a licensed insurer,
      health maintenance organization, or other underwriter of health care services. No portion of
      any provider’s fees will be reimbursed or otherwise paid.

4.   The discounts contained herein may not be used in conjunction with any other discount plan
      or program. All listed or quoted prices are current prices from participating providers and
      subject to change without notice. From time to time, certain providers may offer products
      and/or services to the general public at prices lower than the discounted prices available
      through this program. In such event, members will be charged the lowest price.

5.   Providers are subject to change without notice and programs may vary in some states. This
      is a discount membership program only, not insurance, and may be discontinued or
      modified at anytime. You will receive notice if plan is discontinued or materially modified.

6.   Savings are based upon the provider’s normal fees. Actual savings will vary depending upon
      location and specific services or products purchased.

7.   This program is a referral and discount plan and does not warrant professional services, nor
      is it responsible for the quality of care received. This program makes no warranties express
      or implied concerning services or care provided.

8.   Companies providing benefits and discounts in this program are not licensed to provide and
      do not provide medical services or items to individuals. Providers contracted by each network
      associated with this program are solely responsible for the professional advice and
      treatment rendered to members and each company disclaims any liability with respect to
      such matters.

9.   Refund Policy and 30-day Money Back Guarantee: If you cancel for any reason within 30 days
      of the effective date, you will receive a full refund of paid membership fees. Non-refundable
      one-time fees will be disclosed at the time of application.

* Pharmacy discounts are NOT Insurance, and are not Intended as a Substitute for Insurance
** According to the Aetna Enterprise Provider Database as of November 1, 2006.
*** Dental and Chiropractic benefits are not available to VT residents.