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Employer pays monthly fees for all employees Key disadvantage = Pay regardless of usage 100 employees x $15/m = $1,500/month 100 employees x 12 months = $18,000/year 4

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OVBA is an Exclusive Provider Organization with a Network of Optometrists and Ophthalmologist Key Advantage = You pay only for what you use Statistics prove that 20% to 25% use benefits At 25% and 100 Employees – Costs are $3,500 6

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Let’s talk about annual costs At 25% and 100 Employees – Costs are $3,500 Meaning $3,500 instead of $18,000 with capitation Total savings $14,500 / per year 8

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$149 for single and $159 for line bifocal Eye Exam = one comprehensive per year Frame = One standard – retail value of $120 Lenses = $49 or Contact $155 – complete service - Free 3 month follow up and 1 trial pair soft contacts 10

Employees join an organized group Pay their own administrative fees Pay their own services and goods 11

Employer pays only administration fee Employee family can join the eye care program Employees pay their own services and goods 12

Applying deductible to employees will significantly reduce employer costs. Employer pays only for eye care consumption by employees (no capitation fee) Minimal administration fee per employee applies 13

85% savings to employers when the existing insurance policy covers the eye exam in conjunction with the employee’s deductible 14

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From San Diego to San Francisco We have 87 professionals ready to service you 16

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1.Providers comply under contract to offer selection and great variety of designer frames 2.Members have access to all locations 3.Members can easily upgrade their Lenses & Frames 4.Discounts between 40% and 60% apply 18

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Tailored package for industrial, computer eyewear Mobile eye care services at the work location 20

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Employees have options of joining OVBA Group Employees can get 2 nd and 3 rd pair at OVBA rate No extra cost to the Employer 22

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Prices of products predetermined and cannot be altered by the provider Consistent monitoring of pricing in favor of employee Prices of the product not predetermined and subject to be set by provider No monitoring of pricing in favor of employee 24

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Has 24 hour access to all activities Can add and delete members/employees All billing and monthly charges done free 26

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All family members can join OVBA They get the same benefits as employees No cost to the employer 28

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