$5,000 Guaranteed Issue Term Life Insurance* Guaranteed Issue Term Life Insurance to age 65 (Guaranteed Issue Term Life Insurance requires no medical exam or tests). The benefit amount shown is paid to your beneficiary or beneficiaries in the event of your death. Benefit payment is subject to the definitions, limitations, exclusions and other provisions within the Certificate. Spouse benefit is 50% ($2,500) of benefit amount shown and dependent benefit is 20% ($1,000) of benefit amount shown. Dependent child(ren) must be at least 15 days or older to become eligible for coverage. * Underwritten by Hartford Life and Accident Insurance Company. LAB AND IMAGING BENEFIT Our lab website offers direct-to-consumer medical lab tests that provides a convenient, confidential, reliable and affordable way for consumers to take control of their healthcare costs. Order your own lab test now and get the results confidentially, no doctor’s visit required! 24 HOUR COUNSELING HOTLINE You and your immediate family members have unlimited access to a master level therapist via a toll-free number. Diabetic Supplies 10% to 60% Saving on Diabetic Supplies. These items include : test strips, glucose meters, lancing devices, lancets, and MORE! CallMD™ Get sound medical advice from the comfort of your own home! 24 hours a day, 7 days a week! As a Member you will receive four (4) toll-free physician telephone consultations per individual and if you have the family plan you and your family have access to eight (8) toll-free consultations. You have access to a nationwide network of medical doctors and registered nurses available to discuss your medical issues and prescribe medicine. eDocAmerica 24 hours a day, 7 days a week!With eDocAmerica, you simply e-mail your questions about personal and family health issues and concerns to board-certified physicians, licensed psychologists, dentists, pharmacists, dieticians and fitness trainers with complete confidentiality. Responses received within 24 hours. TIERED CHIROPRACTIC PLAN Tier 1: Save 20% to 50% at Participating Providers on adjustments, therapy, x-rays, exams and specialized procedures when visiting one of our participating providers. Tier 2:In the event a Tier 1 chiropractor is not available in your area, a secondary schedule participating provider will be presented to you. Save 5% to 20% at our large network of participating providers.

TIERED DENTAL PLAN A multi-tiered dental fee-for-service program, where you have access to dentists under 3 scenarios. Tier 1 At select participating schedule (A) Tier 1 general practitioners across the country, you will receive a no-charge exam* and x-rays in conjunction with a paid annual cleaning. Participating providers abide by a fee schedule of fixed payments for most procedures with no annual limits, deductibles, or co-pays. There are no waiting periods or pre-existing condition limitations on this plan, and all services including orthodontics are available immediately upon the effective date. Fixed schedule procedure rate savings are 25% - 60% on dental care, as compared to the American Dental Association surveys of usual and customary fees. Tier 2 In the event a Tier 1 provider is not available in a given area, a secondary schedule participating dentist may be available at some of the lowest rates of any national dental network. Tier 3 In the event a Tier 1 or Tier 2 dentist is not available in your area, please call a Customer Care Consultant for assistance in accessing a Tier 3 provider where available. *In conjunction with annual check-up prophylaxis (cleaning) provided by participating selected general practitioners of Tier 1. Discount Medical Plans are provided by Patriot Health Florida, Inc., a discount medical plan organization. The features are not health insurance policies and are not available in all areas. The features provide discounts at certain health care providers for medical services and do not make payments directly to the providers of medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791. 800-292-3797. Discount medical Plans are not available in MT, ND, and VT. LEGAL COUNSELING SERVICESThis benefit provides you with five (5) initial telephone consultations with a licensed attorney per year (1 per legal matter). It also provides you with one 1/2 hour office consultation, unlimited online consultations (where available) with a local attorney.

TIERED PRESCRIPTION DRUG PLAN This program is accepted at over 50,000 participating pharmacies nationwide, including all the leading national chains! Simply visit a participating pharmacy, present your membership card and pay the pharmacy directly. Members have the potential to save thousands of dollars annually on the member’s prescription charges. Tier 1 Drugs at up to a $10.00 maximum cost.* Tier 2 Drugs at up to a $20.00 maximum cost.* Tier 3 All other Drugs are available for your benefit at negotiated rates. Your program also provides additional options to lower your cost on Tier 3 drugs through an independent mail order service** or free drug program.*** *Drugs are subject to be added or deleted without notice. A nominal handling fee may apply. **Optional usage through an independent mail order service. ***Free drug programs available for pre-qualified low income families directly through drug manufacturers when and where available. NOTE: Prices on Tiers 1, 2 & 3 are based on a 1 pill per day dosage, 30 day supply. Discount is only available at participating pharmacies. Please see prescription drug member guidebook for complete information and drug listings by Tier. TIERED VISION PLAN Tier 1 & Tier2 At select participating vision outlets, a no-charge* eye glass vision exam is available once annually per family. You also receive contracted rates of 10% to 50% on eyeglasses, non-prescription sunglasses, eye exams and contact lenses (excluding disposables) at participating independent and retail optical locations nationwide. Most frames, lenses, and specialty items are available. Ophthalmology & LASIK Features : Save 20% to 60% on medical eye exams and surgical procedures including LASIK at participating ophthalmology locations. *Prescription must be filled by the provider performing the no-charge exam if glasses are required.