1. Member understands that Qualified Health is not an insurance plan or policy. No payments to medical providers or members will be made by Qualified Health. Actual savings may vary, depending upon location and specific services rendered. Members will only realize substantial savings on doctor visits when there is laboratory work or diagnostic testing involved.

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2. Qualified Health provides savings to its members on healthcare services through a number of medical networks. In order to access these networks and the related discounts, member or member's dependants must pay the medical providers promptly. Payments on all medical bills are due and payable at the time of service. If a member has difficulty using the program, our Member Services department is available for assistance. Qualified Health offers timely resolution for questions, complaints and grievances in the same manner the complaint was received. The toll free number to file a complaint is (888) 300-0700 or you may write to Qualified Health Customer Service, P.O. Box 100820 Brooklyn, NY 11210-0820.

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3. As a service to members, Qualified Health may provide network rate information to medical providers under this program. If the information provided results in an underpayment to a medical provider, member agrees to pay the medical provider for any shortages within ten (10) days of notice to such member of the inappropriate reimbursement. If the information provided results in an overpayment to a medical provider, Qualified Health will assist member to the best of its ability to collect any such amount from the appropriate party.

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4. Neither Qualified Health, nor any of its affiliates, nor any network accessed shall be liable for any payment to a provider accessed under the Qualified Health program, or any refusal of participating providers to accept the network prices offered under this program. Qualified Health, its affiliates or any network accessed is not an insurer, guarantor or underwriter of the responsibility or liability of Member for Member's or Member's dependant's medical care or any other goods or services provided to Member or Member's dependents.

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5. A limited directory of participating providers is provided to member on enrollment. The providers listed in this directory are subject to change without notice. Member should call Qualified Health's Member Services department for current provider information.

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6. Participating Medical Providers are independent contractors and Qualified Health, its affiliates and its contracted networks are not responsible for health care provided or the omission of the provision of health care by any provider. Qualified Health does not practice medicine or in any manner interfere with or participate in the provider-patient relationship. All health care decisions are between the patient and a provider. The selection of a provider is the obligation and decision of the patient and is not based upon the credentialing or any recommendation by Qualified Health, its affiliates or its contracted networks.

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7. Memberships in terminated status for greater than 30 days will be assessed a $20 reenrollment fee.

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8. Payments for the Qualified Health program are due in advance. Payments will be debited from your account on or about the anniversary of your effective date, unless alternative arrangements have been made. A service charge of $20.00 for all NSF checks and automatic debits. Member waives the right to charge back on credit card and bank drafts accounts. If you choose to cancel your program, it is your responsibility to return your membership cards to Qualified Health along with written notice of cancellation at least five days prior to the anniversary of your effective date. Members will be charged an additional month program fee if less than five (5) business days notice is received. Verbal notice does not constitute cancellation.

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9. Returned checks, insufficient fund notices on bank drafts or denial by member's credit card company for payment of the periodic program fee is deemed evidence of non-payment by a member and may cause termination of membership at the discretion of the Accounting Department. Members failing to fulfill their financial obligation to Qualified Health may be subject to attorney's fees and reasonable costs of collection.

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10. Qualified Health reserves the right to terminate any member for failure to pay a medical provider accessed under the Qualified Health program under the terms provided.

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11. Members may cancel their Qualified Health program at any time upon written notice to the company and return of the ID cards. Cards should be mailed to: Qualified Health Accounting Department, P.O. Box 100820, Brooklyn NY 11210-0820. Program fees on enrollments cancelled within the first 30 days of enrollment date may be eligible for refund if the Qualified Health ID card is returned to the company within five business days prior to the anniversary date of member enrollment. Failure to activate cards does not constitute termination of the service agreement. The enrollment fee is non-refundable. Any savings received under the program will reduce the refunded amount.

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12.Some elements of this program are provided through membership in an association that provides valuable benefits to consumers. As a program member, you are automatically enrolled in the association, which is always a not-for-profit national organization, committed to helping consumers save money. Sales representatives receive compensation from the association for promoting and selling memberships in the association. The association contracts with the providers of services. We investigate these providers but cannot warrant or guarantee their performance. As always, the association invites and encourages your suggestions on ways its programs can be increasingly beneficial to its members. Membership in the association is not contingent upon health status. Each member, by applying for our program and maintaining membership in the program, hereby designates and appoints the secretary of the association in office at any particular time from this point forward as his or her proxy and agent and attorney-in-fact to receive all notices of meetings of the members, to attend and vote on my behalf at any and all meetings of the members, to execute consents and to otherwise act for the member in the same manner and with the same effect as if the member were personally present. Further, each member authorizes the proxy to substitute any other person to act under this proxy, to revoke any substitution, and to file this proxy and any substitution or revocation with the association. This proxy is a voluntary designated appointment and the member has a right to receive all notices of meetings of members and to attend such meetings and vote thereat. In such event, the member will notify the Secretary of the association of such desires.

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