VALUE BENEFITS OF AMERICA PRESENTING MEMBERSHIP BENEFITS & VERSATILE HEALTH PLANS THAT WORK

VALUE BENEFITS OF AMERICA GENERAL AGENT CENTER creates innovative health products based on consumer needs and market trends.  Serving over 20,000 agents nationwide  Marketing & Customer Service Departments staffed to assist agents needs attentively and efficiently VALUE BENEFITS OF AMERICA, INC., (VBA) is a not-for-profit association that was established for the purposes of promoting the common interest of families by providing educational information regarding health, agriculture, economics and other areas of interest to members as to enhance the quality of life for members by offering benefits and discount services for association members.

VBA MEMBERSHIP BENEFITS UNLIMITED MD HOTLINE CONSULTATIONS MD HOTLINE SAVE ON Rx, DENTAL & MUCH MORE EBC CARD SAVINGS ENJOY DINING, SHOPPING & MUCH MORE DIVIDEND CLUB REWARDS

VBA-NEA MD HOTLINE Have you ever needed a doctor while traveling or on the weekends? Have you ever needed a prescription when your doctor is unavailable? With the new MD Hotline app, the doctor is always in. Access a board certified physician when you need treatment, where you need treatment without all the hassle that comes with a traditional doctor's appointment. The MD Hotline app gives you instant access to a board certified physician, EBC savings and much, much more! Available now for download via I-Tunes or Google Play. Or, Scan the QR Code for immediate download!

VBA MEMBERSHIP BENEFITS – PET ASSURE

VBA MEMBERSHIP BENEFITS - EBC Dental: 15% - 40% Lab Tests: 10% - 50% Diabetic Supplies: 15% - 50% Rx Prescriptions: Up to 65% X-Rays & Imaging: 10% - 50% Hearing: Up to 15% Vision & Lasik: 10% -50% ENHANCED BENEFITS CARD

Procedures Usual FeeSavingsMember Pays Routine Check-up $44.00$10.00$34.00 Four Bitewing X-Rays $56.00$16.00$40.00 Adult Cleaning $80.00$30.00$ Surface White Filling $140.00$60.00$80.00 Single Crown - Porcelain on High Noble Metal $950.00$305.00$ Root Canal - Molar $880.00$210.00$ Full Upper Denture $1,500.00$625.00$ Single Tooth Extraction $145.00$65.00$80.00 EXAMPLE DENTAL SAVINGS Drug Name Regular Price Discounted Price Savings Ambien$57.84$ % Labetalol HCL$9.64$7.7324% Omeprazole 20mg $56.72$ % Lipitor$148.78$ % Hydrocodon- Acetaminophi n $37.46$ % Zyrtec$74.58$ % EXAMPLE Rx SAVINGS

ENHANCED BENEFITS CARD - DENTAL

45.5% ACTUAL DENTAL VISIT BILL DISCOUNTED THROUGH THE FREE ENHANCED BENEFITS CARD

DIVIDEND REWARDS CLUB Dividend club members receive savings on everything from appliances, home decor & furnishings, theme parks, restaurants, clothing & accessories, footwear, department & superstores, and so much more. Save enough money each month while eating out to more than pay for your membership! Members save an extra 20% on top of Restaurant.com’s dining deals that are already as high as 60% off! You may save thousands of dollars each year by shopping the hundreds of Dividend Club Merchants as an Association Member. There are merchants and products for almost all you could need or imagine. Members can save up to 25% off when making a reservation with Avis Worldwide Membership also includes discounts on products and services at FedEx Office. Enjoy a 30% discount on copy services as well as a 10% discount on additional FedEx Office products and services. DIVIDEND CLUB VBA MEMBERSHIP BENEFITS

EMERGENCY AIR AMBULANCE

24 HOUR ACCIDENT PLAN FEATURES  Pays medical expenses after the deductible up to plan maximum per accident per covered person  AD&D up to the plan limit (spouse & children included)  US Citizenship not required – must be a US resident  Issues ages 18 though age 64 (age 19 – 25 if full time student – Dependents)

OUR MARKET  Cover deductible of ACA Plans for Accidents  The 46 Million uninsured in the USA since 2009  Self Employed – Home based companies  Small Business – Without group heath  Temporary and part-timers  Service Industry – Restaurants, Hotels, Bars  Independents: Truckers, construction, landscaping, barbers, beauticians, nurses, real-estate agents, accountants, insurance agents, etc.  Large Employers – don’t want to pay for full major medical  Unemployed – Can’t afford COBRA  Prior Declines – Can’t afford cost of rate-ups  HSA or high deductible plan purchasers

PRODUCT VERSATILITY  Individuals & Families  Online Enrollment  Bank Draft or Credit Card  Guarantee Issue  Combine with High Deductible / ACA plans to fill the benefit gaps in coverage  Stand Alone – Great alternative for those that are not eligible for medical or who can’t afford it

RATES  Option 1: Individual: $29.95 / month Family: $34.95 / month  Option 2: Individual: $39.95 / month Family: $44.95 / month  Option 3: Individual: $44.95 / month Family: $54.95 / month  Option 4: Individual: $54.95 / month Family: $64.95 / month  Option 5: Individual: $74.95 / month Family: $79.95 / month  Option 6: Individual: $84.95 / month Family: $89.95 / month  Option 7: Individual: $94.95 / month Family: $99.95 / month

VALUE BENEFITS OF AMERICA MEMBERHSIP BENEFITS

REGISTER FOR YOUR PRODUCT LINKS STEP 1: Go to: Click “agents” Click “request on-line enrollment link” STEP 2: Scroll to the bottom of the page and click on “click here for registration form” COMPLETE & SUBMIT the registration form STEP 3: Erik Lunt after completing registration:

USING YOUR PERSONAL LINK SELLING MADE EASY! URL TO POTENTIAL CLIENTS INSERT URL ON YOUR WEBSITE YOUR LINK WILL CODE NEW BUSINESS TO YOU AUTOMATICALLY AGENT NAME AGENT PHONE NUMBER AGENT ADDRESS & INFO

THANK YOU FOR YOUR TIME!