Disclosures: THIS DISCOUNT PLAN IS NOT INSURANCE. THIS IS NOT A MEDICARE PRESCRIPTION DRUG PLAN*. This plan provides discounts at certain health care providers for medical services. The range of discounts will vary depending on the type of provider and service. The plan does not make payments directly to the providers of medical services. Plan members are obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. Before purchase, you may access a list of participating health care providers at www.smarthealthadvantage.com. Upon request the plan will make available a written list of participating health care providers. You have the right to cancel within the first 30 days after receipt of membership materials and receive a full refund, less a processing fee not to exceed the amount permitted by your state. Discount Medical Plan Organization and Administrator:

Note: Hospital discounts are not available in Maryland or West Virginia.

Note to Texas Consumers: Regulated by the texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; telephone 800-803-9202 or 512-463-6599; website: www.license.state.tx.us/complaints.

Note to Utah Residents: The discount programs are not protected by the Utah Life and Health Guaranty Association.

* Medicare statements applies to MD residents when pharmacy discounts are part of the program.