1. Meaningful Discount Plans Save on everyday needs. Go to www.layandwilliams.com For a complete explanation of these non-insurance benefits.

2. $9.95 Per Month For The Entire Family Premier Plan Dental Vision Pharmacy Card Teladoc Nurse Hotline Roadside Assistance

3. $14.95 Per Month For The Entire Family Premier Plus Plan Dental Vision Pharmacy Card Teladoc Nurse Hotline Roadside Assistance Lifeloc Proactive Identity Theft Chiropractic Care Pet Care Savings Alternative Health & Wellness

4. $17.95 Per Month For The Entire Family Everything Plan Dental Vision Pharmacy Card Teladoc Nurse Hotline Roadside Assistance Lifeloc Proactive Identity Theft Chiropractic Caare Pet Care Savings Alternative Health & Wellness Golf Discounts Movie Ticket Discounts Hotel Discounts Condo Savings

5. Vision Coast to Coast (CTC) Vision has contracted with over 12,000 eyecare locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures. The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, LensCrafters, and EyeMasters. Highlights Savings of 20% to 60% on prescription eyewear. Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations. Savings of 10% to 30% on eye exams. Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations). Most frames, lenses and specialty items such as tints, coatings and UV protection are available. No limit on the number of times membership may be used during the year. Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on eyeglasses Members may nominate their own eye care professional to join the network. Vision Benefit is not available to VT residents.

6. Dental Care Highlights Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns and orthodontia. Over 76,000 ** dental practice locations. Save on routine dental services such as x-rays and fillings. Save on specialty care such as orthodontics and periodontics where available. Before scheduling an appointment, the member will call the number on the back of their card to speak with a Patient Advocacy representative.The representative will contact providers in the network to ensure the dental office understands the Dental Care discount card and is accepting new patients. The representative will then contact the member to provide several different dental care locations so the member may select the provider that most meets their specific needs and book an appointment. Dental benefit is not available to VT residents. *Actual costs and savings vary by provider and geographical area. ** According to the Aetna Enterprise Provider Database as of October 1, 2008. The discount program provides access to the Aetna Dental Access network. This network is administered by Aetna Life Insurance Company (ALIC). Neither ALIC nor any of its affiliates offers or administers the discount program. Neither ALIC nor any of its affiliates is an affiliate, agent, representative or employee of discount program. Dental providers are independent contractors and not employees or agents of ALIC or its affiliates. ALIC does not provide dental care or treatment and is not responsible for outcomes.

7. Pharmacy RETAIL PHARMACY The retail pharmacy program assures the lowest price on prescription drugs, saving 10% to 60% on most prescriptions. It's simple to use. Simply present your membership card to the pharmacist when you pick up your prescription. The pharmacist calculates the discount and you pay the discounted price. No forms are required. Highlights 10% to 60% savings on most medications. Over 60,000 national and regional pharmacy chains participate as well as independent pharmacies. No pharmacy program is complete unless it includes both retail locations for urgent care medications and a mail order program when purchasing long term maintenance prescriptions in 90 day supplies to treat ongoing ailments. As prices may change from day to day and cannot be given over the telephone, go to www.rxpricequotes.com to look up drug prices by location. **Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies MAIL ORDER PHARMACY To ensure you always save money on long term prescription drugs, our mail order program was created to complement the retail pharmacy benefit. Since most maintenance medications are purchased in 90 day supplies, now you can maximize savings with the convenience of home delivery (at no additional charge). Highlights Prices average 10% below AARP mail order pricing If you find a lower retail price from a local retail pharmacy, the Mail Order Prescription Plan will beat that price by $5.00* on brand name and generic medications priced at $10.00 or more. Not valid in conjunction with other discount or insurance cards. Prescriptions are delivered right to your door; no postage or dispensing fees added. Unlike competitive programs that restrict available medications to their "approved" list, our Mail Order Prescription Plan is an "open formulary", so doctors may prescribe the most effective medication to treat the member's ailment or condition. *The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards. **Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies

8. Teladoc TelaDoc is a national network of board certified physicians providing cross coverage consultations 24 hours a day, 365 days a year. TelaDoc physicians use medical records and telephone consultations to diagnose, recommend treatment and write short term prescriptions, when appropriate. TelaDoc does not replace the existing primary care physician relationship, but instead enhances it with an efficient, cost- effective alternative for minor medical problems. Members can access this service wherever they happen to be: home, office, hotel room, or vacation campsite. Members simply make a phone call and, in most cases, speak to a doctor within three hours. On-Demand access to healthcare Telephone access to a physician from any phone, 24 hours a day, 7 days a week Physicians diagnose routine medical problems and prescribe short-term medication when appropriate A physician will contact the member within three hours No more waiting until next week to receive medical attention No outrageous fees or unexpected charges No consultation fee far less expensive than the cost of a primary care physician visit ($80 $100 average) Most medical issues can be resolved from any remote location Reduce the number of hours spent away from work therefore increasing productivity Easy method of payment debit/credit card or ACH (if utilizing phone registration) Prescriptions phoned into the member's local pharmacy You may complete your Medical History Disclosure online for FREE. There is a $12 charge if this is completed over the phone. Patient access to portable electronic health records with HIPAA compliant secure servers. Portable Electronic Health Record (EHR) - FREE TelaDoc does not prescribe DEA controlled substances or lifestyle drugs. TelaDoc is not available to visitors or residents of the state of OK. TelaDoc provides services for members 10 years of age or older. TelaDoc does not replace your primary care physician.

9. Nurse Hotline Good health starts with asking questions and knowing where to go for the answers. Nurse Hotline offers toll-free access to experienced registered nurses, 24 hours a day, 365 days per year. Our hotline nurses are an immediate, reliable and caring source of health information, education and support. Our nurses provide information based on physician-approved guidelines, including: General information on all types of health concerns Answers about medication usage and interaction Translation services for non-English speaking callers TTY/TTD access for the hearing impaired Computerized record keeping system Medical Director on staff Better-informed, healthier individuals are key to reducing healthcare costs. Nurse Hotline gives you necessary information to help with healthcare. In addition to preventing unnecessary emergency room visits, you receive quick, sound medical information from trained RNs.

10. Roadside Assistance Roadside Assistance is available 24 hours a day, 365 days a year to assist members when owned or leased vehicles are disabled as a result of unavoidable circumstances. Members will only have to pay for any non-covered expenses or covered costs in excess of the 15 miles per occurrence maximum. Coverage is extended to the member, spouse, and dependent children up to 21 years of age permanently residing at registered address when driving any vehicles that they own or lease for 12 months or longer. Highlights Available 24 hours a day, 365 days a year Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges Covers Member, spouse and dependent children up to age 21 permanently residing at registered address when driving any vehicles they own or lease (12 months or longer) Towing Assistance Flat Tire Assistance Fuel, Oil, Fluid and Water Delivery Service Lock-out Assistance Battery Assistance Collision Assistance

11. Hearing Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 58% in retail locations nationwide and discounts of 40% to 60% through the mail order program. Retail Hearing Aids Members may select from 1,350 Beltone locations nationwide to receive a free hearing screening and 15% off over 70 models of Beltone Hearing Aids. All technologies and models are available including state of the art digital hearing aids, along with Completely-In-the-Canal, In-the Ear and Behind-the-Ear models. BelCare standardized 12 point customer service program ensures consistent delivery of professional and comfortable service, regardless of location. Mail Order Hearing Aids Save 40% to 60% off average National Retail Pricing on over 100 models of name brand hearing instruments. Receive the lowest price available. 45-day in-home trial period and one full year factory warranty Any make/model hearing aid less than five years old may be repaired with a six month warranty for just $90.00 or with a 12-month warranty for just $115.00 (digital or analog programmable aids are slightly more, depending upon model). Hearing Equipment We offer a complete line of products designed specifically for people who are experiencing hearing and/or vision loss including, amplified corded and cordless telephones, large display alarm clocks, portable telephone amplifiers, amplified telephone ring signaler personal communication systems and a TV listening system. Members receive a 25% discount on over 17 products. All products include full warranty support, a 30-day money-back guarantee and toll-free tech support.

12. Vitamins & Diabetic Supplies VITAMINS Vitacost.com is your one-stop shop for thousands of top brand vitamins, supplements, herbs, organics and natural health care products at up to 80% off retail everyday. Choose from over 400 brands and 12,000 items in stock and enjoy savings of 10% on already low prices. Members can place orders online or toll free by phone. Most orders ship the same day and every order is backed by the exclusive 5-star guarantee. Highlights Toll-free and online shopping with friendly and knowledgeable customer service representatives Timely, convenient home delivery of vitamins, supplements, and a wide variety of natural health products All purchases include a 30-day unconditional money- back guarantee Choose from brand names you know and trust such as Natures Way, Twinlab , Enzymatic Therapy and Country Life All purchases include a 30-day unconditional money-back guarantee DIABETIC SUPPLIES Through the VIP Health & Wellness program, members save dramatically over the retail price of their diabetic supplies. Product packages include a premier Glucose Meter, control solution, test strips, lancets and lancing device. Supplies are shipped regularly at no additional cost. Highlights Many different product packages to choose from based on testing requirements. Product packages are designed for everyday testing. Product packages are priced from $29.99/month to $169.99/month, which is 60% off the average competitors retail prices. Save an additional 15% off on any single order items including test strips, lancets, lancing device, and more. Toll-free ordering, regular shipments and convenient home delivery on all diabetic supplies. Free shipping on supplies when package option is selected. DERMSTORE.COM DermStore.com is the premier online retail destination for skin care brands ranging from spa exclusive brands, physician-strength brands and hard-to-find specialty brands along with expert advice and esthetician recommended regimens. Highlights Save 15% on more than 300 brands and over 12,000 products Thousands of product reviews Free Shipping on all purchases Free 2-Day Shipping on purchases over $100 Free Samples of popular skin care products with every order Auto Refills program allows you to receive your favorite skin care products every 30, 60 or 90 days, plus you get your 5th refill Free! 100% Color Guarantee, a 30-day money-back guarantee on your cosmetics if your buy the wrong color/shade Skin Resource Center for skin care articles, a skin care ingredient dictionary, expert advice from our dermatologists and estheticians, skin care application tips and videos, interviews from industry experts and much more

13. LifeLock Over 10 million Americans will be victims of identity theft this year. LifeLock is the leader in proactive identity theft protection, protecting over 1 million members nationwide. LifeLock is a proactive service that works to reduce the risk of identity theft and backs it up with a $ 1 million total service guarantee, in the event your identity is compromised. LifeLock requests free fraud alerts with the major credit bureaus on your behalf and then renews them every 90 days. LifeLock also requests a copy of your free annual credit report, which will be sent directly to you. LifeLock also helps reduce junk mail and removes you from the pre-approved credit offer lists. LifeLocks WalletLock service is also included with your membership. If you lose your wallet, a WalletLock specialist will help contact each credit card, bank or document issuing company, cancel your affected accounts and complete the paperwork and steps necessary to replace your lost documents (excluding money and pictures), including your credit/debit cards, drivers license, Social Security card, insurance cards, checkbook even travelers checks - at no additional cost to you. LifeLocks eRecon service also works to protect you by searching criminal websites for online selling and trading of your information and notifying you if anything is found; and TrueAddress will notify you when a change of address is filed in your name. Highlights Free Fraud alerts are requested on your behalf to the major credit bureaus - when anyone tries to use your credit the merchant is advised to take extra precautions to verify its you and only you making the request. A reduction in junk mail. Fewer pre-approved credit card solicitations. WalletLock assists you in the event your wallet is lost or stolen. eRecon searches for your information being sold or traded online. TrueAddress notifies you when a change of address is filed in your name. $1 million total service guarantee if your identity is stolen while youre a client, we will do whatever it takes to recover your good name and spend up to $1 Million to do it.

14. Pet Care The Pet Care Savings Program is designed to save members money on everything for their special family member - their pet! All the pets in the household can take advantage of this program. The Pet Care Savings Program is not insurance. With the Pet Care Savings Program there is a 25% discount at network veterinarians on most procedures, plus savings of 10% to 30% on pet products and services at participating merchants. The Pet Care Savings Program also includes a free pet ID tag and confidential 24-hour pet location service in the event of a lost pet. Highlights Save 25% on most in office medical care with each visit to a network veterinarian Save 10% to 30% at participating providers on pet services such as boarding, doggie day care, training, pet sitting and grooming Save 10% to 30% at participating merchants on pet supplies such as food, beds, toys, treats and vitamins Free pet ID tag(s) and 24-hour location service for lost pets Available for use with all animals, from companion animals such as dogs and cats to exotic animals such as birds and reptiles

15. Chiropractic Members save 30% to 50% at over 3,000 participating Doctors of Chiropractic nationwide. Highlights Free initial consultation 50% savings on diagnostic services 50% savings on x-rays performed on-site (if necessary) 30% savings on treatment and other services Unlimited access to care with no limits on the number of visits Over 3,000 providers nationwide Each chiropractors licensure and insurance are carefully verified before being accepted in the network Items such as vitamins and durable goods are priced at the doctors discretion Members may choose from more than 3,000 participating Chiropractors. Members enjoy a variety of savings and services including a free consultation, 50% savings on diagnostic services, 50% savings on x-rays performed on-site and 30% savings on treatment and other services. Also, members have unlimited access to care with no limits on the number of visits. Each chiropractors license and insurance are carefully verified before being accepted in the network. Items such as vitamins and durable goods are priced at the doctors discretion. Chiropractic is not available to VT residents.

16. Alternative Health & Wellness The integration of alternative medicine into conventional western medicine is quickly revolutionizing the landscape of the American healthcare system. Patients and providers are increasingly using alternative methods of care that do not rely on invasive procedures or long term use of pharmaceuticals. The Alternative Medicine Network is one of the nation's leading providers of integrative medicine. Our national network of over 16,000 practitioners provides care to millions of members all across the country. Highlights 10% to 30% savings on all treatments and services Over 16,000 practitioners in the network Over 35 different practitioner disciplines Services include Acupuncture, Nutritional Counseling, Massage Therapy, and Holistic Medicine as well as popular Exercise and Movement specialties including Yoga, Tai Chi, Pilates and more no limits on the number of visits

17. Golf Program This golf discount program is one of the nation's premier golfer's savings programs. The national network consists of over 2,000 exciting courses throughout the U.S., Canada, and many other international destinations. Discounts are also available for golf lessons, driving ranges, and much more. Highlights Over 2,000 courses available nationwide Save up to 50% off greens fees Save on golf vacation packages to destinations such as Hilton Head, Palm Springs, Myrtle Beach, Scotland, and the Republic of Ireland Save 10% on stay-and-play packages at fine golf resorts or sharpen your game while enjoying 2-for-1 discounts at driving ranges

18. Movie Tickets Members will save up to 40% on movie tickets from major movie chains throughout the U.S. Tickets are valid for at least three months from the date of purchase and are accepted at any of the theaters operated by the company issuing the discount ticket. Members may call toll-free to receive instructions on how to obtain their discounted tickets. Participating Movie Chains Include: United Artists Regal Cinemas Cinemark USA AMC IMAX And many more...

19. Condo Program Why settle for an ordinary hotel room, when there are vacation condo rentals available at discount rates through the Condo Program? From cozy condos to 14-bedroom homes, the Condo Program can accommodate members with extra space and added comfort. The Condo Program offers preferred rates at thousands of properties both in the U.S. and internationally. Save up to 80% on resort condo accommodations listed on the website.