specimen - usa team corp

SecureLife Handbook

United Service Association For Health CareFounded 1983, Washington DC

Plans for Individuals and Families

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Membership in USA+ is NOT insurance nor is it meant to represent an insurancecontract.

Approval of your membership application provides guaranteed acceptance on allbenefits included in the membership package except as specifically provided inthe terms of the individual benefits.

IntroductionA Closer Look . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1Provider Directory . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2How to Use Your Benef its . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3USA+ Internet Site . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3

SecureLife MeMbersInsurance BenefitsTerm Life Insurance $10,000 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .4Ameritas Group Vision Service Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5

Protection Benef itsDignity Memorial Funeral Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6Emergency Helicopter Rescue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7

Legal Benef itsConsolidated Legal Concepts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .8

SecureLife siLver MeMbersInsurance BenefitsTerm Life Insurance $10,000 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9Ameritas Group Vision Service Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10

Protection Benef itsDignity Memorial Funeral Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11Emergency Helicopter Rescue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12Medical Alert System . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13

Legal Benef itsConsolidated Legal Concepts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14

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SecureLife 20 MeMbersInsurance BenefitsTerm Life Insurance $20,000 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15Ameritas Group Vision Service Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16

Protection Benef itsDignity Memorial Funeral Services . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17Emergency Helicopter Rescue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18

Legal Benef itsConsolidated Legal Concepts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19

Additional InformationUnited Service Association For Health Care Foundation . . . . . . . . . . . . . . . . . . . . . . . . . .20USA+ Benef its Protector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21USA+ Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23Privacy Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25Membership Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26

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A Closer Look…Take a close look at everything you have as a member of UsA+. The privileges of membership include all of the

benef its available with your particular membership program as well as many "extras."

Customer service

Our customer support staff is second-to-none. We are committed to serving all UsA+ members with a positive,

CAN DO attitude. We pledge to honor you by conducting business with integrity, by being respectful of your time,

and by treating you with honesty and sincerity. We will constantly strive to be the BEST, and to offer you the best.

integrity Of service and Care

Over the course of time our provider relationships have grown and flourished as the needs of our customers have

grown. Integrity of service and sound business practices have solidif ied our standing with these large provider organ-

izations, and is the reason we are able to bring you the most amazing and aggressive savings options in the country.

We do good business because it matters and we care.

Welcome To Our family

The truth is we are more than just another benef its company. Many of our customers and employees have been with

us from the beginning. “Stability” and “family” are the terms we hear from employees and customers alike. We hope

you will always feel at home with us. Let us know your needs and we will f ind an answer for you. Having UsA+ ben-

ef its is like having a little piece of home with you wherever you go.

The internet

Have a hands-on approach to your membership. When you are in the process of learning something new about the

many benef its you now have at your f ingertips, take a minute and search the website, www.usahc.com for details and

descriptions. You will be pleasantly surprised at all the money you can save.

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Provider DirectoryAmeritas Group Vision Service Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-877-7195

Consolidated Legal Concepts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-541-9701

Dignity Memorial Funeral, Cremation,

and Cemetery Arrangements . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-495-1230

Emergency Helicopter Rescue . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-USA-1187

Medical Alert System (Life Station) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-446-3300

Term Life Insurance Benef its . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-USA-1187

United Service Association

For Heath Care Benef its Protector . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-USA-1187


For Health Care Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-USA-1187


For Heath Care Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .800-USA-1187

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How To Use Your Benef itsNow is the time to immediately start saving with United Service Association For Health Care. Using your new

membership is as easy as 1-2-3.

Your personal UsA+ membership cards have been mailed to you. You will f ind your UsA+ membership number on

the front of your card which you will need to access your benef its.

Take time to read through the handbook and familiarize yourself with your benef its. You’ll f ind your handbook is easy

to use and f illed with helpful information. All new benef its are announced in the semi-annual magazine—Total Health

& Wellness—which you will automatically receive.

We have tried to make your benef its “User Friendly” by providing you with several convenient ways to access them.

We ask that you call 1-800-UsA-1187 to familiarize yourself with your UsA+ membership. We have designed our

web site, www.usahc.com, to give you easy access as well.

That’s it! We know you’ll enjoy your United Service Association For Health Care membership—a collection of benef its

guaranteed to bring you year-round value and savings.

USA+ Internet SiteWe’ve made it easy for you to access your UsA+ benefits. As a matter of fact, it’s right at your f ingertips! Visit

the UsA+ Internet Site and browse through each of the benef it sections at www.usahc.com. This site allows you

to instantly tap into information on your benef its, with the convenience of requesting some of your benef its directly

online.

To locate the providers on the UsA+ web site…

• Go to UsA+’s address at www.usahc.com

• Select the “Members Only” tab, and when prompted, enter your user ID and password (login instructionslisted on the webpage).

Recent research shows that approximately 272 million* people in the United States and Canada have access to the

Internet, and that number is consistently growing. So if you are one of the several million people online, navigate your

way to UsA+ and enjoy the savings opportunities that are waiting for you.

* http://www.internetworldstats.com/stats.htm - March 2011

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Term Life Insurance Benefit $10,000How you benefitPays the benef iciary up to the benef it amount listed for the member ’s death.

How to file a claimShould a loss occur the beneficiary should contact USA+ Member Services at 1-800-872-1187.

This insurance benefit is underwritten by Citizens Security Life Insurance Company. Reduction in the Principal Sum for ages 70 and up.

Coverage is not provided for Secure Life 10 members over the age of 64. Coverage becomes effective 12 months after the effective date of the

membership.

The principal sum reduction schedule for Secure Life 10 is as follows:

18-69 100%

70-74 50%

75-79 25%

80-85 10%

85+ 0%

For additional information including benefits, exclusions and limitations, please refer to the Certificate of Insurance included with your Membership Kit.

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Ameritas Group Vision Service PlanMembers of United Service Association For Health Care will have access to a quality vision plan throughVision Service Plan, administered by Ameritas.

How you benefit• Free eye exam once per year per family member from participating providers!

• 20% discount on lenses, frames, and other hardware!

• Up to a 25% discount on laser surgery!

• One of the largest networks in the nation.

• There are over 32,000 provider access points nationwide.

• There is a VSP provider within ten miles of the homes of 90% of the United States population!

• Find a VSP provider near you at ameritasgroup.com.

eligibilityFor Memberships with an effective date on the f irst of the month, no waiting period is required. ForMemberships with an effective date after the f irst of the month, eligibility will occur on the f irst of the nextmonth.

How to use your benefitEasy as 1…2…3…

By using a VSP provider, there is no paper work or claim to f ile. The member simply makes an appointment with a VSP doctor, states that they have VSP coverage, and visits the doctor. VSP handles the rest! Your Ameritas VSP identif ication number can be found on your ID card.

Vision Service Plan brings tremendous value to the United Service Association For Health Care Benef its! For more information, call the VSP Member Services number at 1-800-877-7195 or visit the USA+ website www.usahc.com and select the “Members Only” tab and when prompted, enter your user ID and password (login instructions listed on webpage) for online benef it information.

These benefits are provided to USA+ members by a group policy issued by Ameritas Life Insurance Corp. Certain terms and conditions apply and benefits are subject

to the Exclusions and Limitations. See the Certificate of Coverage for the details.

Ameritas Group, a division of Ameritas Life Insurance Corp. a UNIFI Company, offers group dental and eye care products nationwide. Ameritas Group’s dental and

eye care products (9000 Ed. 01-05) are issued by Ameritas Life. Specim

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secure Life 10 - Protection benef its

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Dignity MemorialFuneral, Cremation and Cemetery Benef it

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How you benefitUSA+ members receive extra value with the Dignity Memorial® Funeral, Cremation and Cemetery Benef it.

Dignity Memorial is a nationwide network of over 1,800 funeral, cremation, and cemetery serviceproviders who deliver exceptional standards of care at affordable prices. UsA+ members receive thesevaluable benef its:

• A minimum of 10% savings on funeral or cremation services and merchandise through Dignity

Memorial aff iliated cemeteries.1

• A free Funeral Protection Certif icate for your children and grandchildren worth up to $2,500.2

• A free Personal Planning Guide.3

• Access to our extensive Grief Management Library and Family Safety Programs.• Funeral and cremation preplanning services that are transferable to any Dignity Memorial location

throughout the United States.4

• Substantial savings on bereavement airfares.• The Dignity Memorial 100% Service Guarantee.• Benef its that can be used for USA+ Members, spouses, parents, grandparents, children and grand-

children.

How to use your benefitTo locate the Dignity Memorial provider nearest you, call 1-800-495-1230, provide your zip code and

identify yourself as a USA+ Member. When visiting your local Dignity Memorial provider to arrange servic-

es or to preplan your wishes, just present your USA+ membership card to the funeral service professional

you are working with.

1 Where available by law. 10% savings is not available in New York or Louisiana and applies to goods and

ser-vices as listed on the general price list. The 10% discount does not apply to cash advance items noralready discounted Dignity Memorial plans. Cemetery benef it is not available in all states.2

Not available to Maryland residents. The Funeral Protection Certif icate can be obtained by contactingUSA+.3

Available at most local Dignity Memorial providers.4

Must be over 75 miles from the location where prearrangements were made.5

USA+ Members must show their membership card to be eligible to receive these benef its.

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Helicopter Emergency BenefitHow you benefitIn the event that an eligible member suffers from a “certified injury”resulting from an accident that requires a helicopter emergency medical transport, this program will reimburse the insured/provider up to a maximum of$7,000.00 per occurrence, no deductible.

Reimbursement includes expenses incurred from the cost of “Medically Necessary” or “Life Threatening” helicop-ter transport from the scene of an accident to the nearest medical facility capable of treating the injuries or fromone medical facility to another medical facility.

*Accident is defined as a sudden, unexpected, unusual, specific event which occurs at an identifiable time andplace, but shall also include exposure resulting from a mishap to a conveyance in which the Insured is travel-ing.State exclusion may apply.

Provisions:• One benefit will be payable per occurrence. • Coverage is worldwide.• Benefit in excess of all other valid collectable insurance. • Transportation by helicopter only.LIMITATIONS AND EXCLUSIONSThe following conditions represent coverage exclusions:1. Suicide or attempted suicide;2. Intentionally self-inflicted injuries;3. War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war;4. Participation in any military maneuver or training exercise;5. Mental or emotional disorders, unless hospitalized;6. Being under the influence of drugs or intoxicants, unless prescribed by a Physician;7. Commission or the attempt to commit a criminal act;8. Participation as a professional in athletics;9. Pregnancy and childbirth (except for complications of pregnancy);10. Bodily injury or sickness which can be treated locally

How to use your benefit• Call 911 or the local equivalent. Local EMS protocols will make the determination for necessity and type

of medical transportation that best fits each situation.• To file a claim or for more information please call member services at 800-446-7142. Claims - The claimant (either the insured or someone acting for the insured) must notify the company or its designated agent in writing about the claim. Correspondence should be sent to:

Emergency Travel Assist4825 Royal LaneIrving, Texas 75063

Such notification should included the insured’s name, the participating organizations name and the policynumber. The claimant should notify the company with Twenty (20) days after a covered loss occurs or as soon as reasonably possible.

Notice of Claim - Written notice of claim must be given to the company or designated representative within Twenty (20) days after a covered loss first begins or as soon as reasonably possible. Notice should includethe insured’s name and polciy number.

Proof of Loss - The claimant must send the company or its designated representative proof of los within Ninety (90) days after a covered loss occurs or as soon as reasonably possible.Late Reporting of Claims - Not withstanding any of the above, no claim will be accepted if it is more then270 days after the date of travel assistance.

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Consolidated Legal ConceptsUSA+ members can choose from a network of over 20,000 attorneys and 6,900 law firms experienced indealing with the areas of the legal system.

How you benefitMembers are entitled to the following services:• One free half-hour, in-off ice consultation per month with a participating attorney. (Before each consultation a new

referral must be obtained from CLC. Each consultation must pertain to separate matters) • Preparation of a simple Will or the review of an existing Last Will and Testament at no charge. (One per fam-

ily membership)• Unlimited initial telephone consultations for up to thirty minutes each.• Additional rate reduction of 25% for consultation.• 25% rate reduction on numerous legal matters such as: traff ic ticket defense, uncontested divorce, real estate

closings, small business incorporation, collection letters, and bankruptcy proceedings.

Legal services covered under this plan include business, personal, criminal, and Income Tax/IRS matters. All courtcosts, f ines, and other expenses, if any, are paid by USA+ members.

USA+ members can also choose from a network of attorneys experienced in dealing with abuses and unfair prac-tices in the credit system. These attorneys are trained to utilize procedures provided in the Fair Credit ReportingAct to audit and clean up credit reports. For one specially discounted price, members will receive a variety of cred-it services personalized to meet your specif ic f inancial needs.

CLC offers a fast, convenient way for USA+ members to have their state and federal income taxes prepared at a dis-count by Certif ied Public Accountants (CPAs). This tax return preparation service is provided through a toll free num-ber and can be accessed from the convenience of your office or home. Through a comprehensive interview, the CPAswill determine your taxable income and maximize your tax deductions.

How to use your benefit

To utilize any of the services available through CLC, simply call 1-800-541-9701. You will receive the name,address, and telephone number of the appropriate participating attorney in your area, or the toll-free numberfor the tax service. You must provide your USA+ membership number, address, telephone number, and a briefdescription of your legal matter to receive the referral. CLC must make the attorney referral on each legal mat-ter before the discount can be given. To receive your discount, present your USA+ membership card to the par-ticipating attorney or CPA.

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secure Life silver - insurance benef its

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Term Life Insurance Benefit $10,000 How you benefitPays the benef iciary up to the benef it amount listed for the member ’s death.



Coverage is not provided for Secure Life Silver members over the age of 84. Coverage becomes effective 12 months after the effective date of

the membership.

The principal sum reduction schedule for Secure Life Silver is as follows:

18-69 100%

70-74 50%

75-79 25%

80-85 10%

85+ 0%


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eye care products (9000 Ed. 01-05) are issued by Ameritas Life. Spe

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services as listed on the general price list. The 10% discount does not apply to cash advance items noralready discounted Dignity Memorial plans. Cemetery benef it is not available in all states.2

Not available to Maryland residents. The Funeral Protection Certif icate can be obtained by contactingUSA+.3

Available at most local Dignity Memorial providers.4

Must be over 75 miles from the location where prearrangements were made.5

USA+ Members must show their membership card to be eligible to receive these benef its.

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Medical Alert System Call any day, any time.

How you benefit

• More than 30 years experience.• Our own UL® Listed Monitoring Center.• CSAA® Certif ied Care Specialists• No long-term contract• Cancel at any time without penalty• No Deposit or Hidden Fees• FREE shipping• FREE system repair or replacement• Simple 10 minute setup• 24/7 customer service support

How to use your benefitUsing your medical alert system couldn’t be simpler. Your waterproof help button which can be worn as a wristband, belt clip or neck pendant, is designed to be with you at all times. In the event of an at-home emergency, simply press the help button to connect to a Care Specialist in our Monitoring Center.

To order service call 1-800-446-3300 or access the website at:www.lifeaid.com/partner-order-form.php?cid=600165

anytime and identify yourself as a USA+ member for a special USA+ price. The Life Station website offers the product on their website at a monthly price of $27.95 ($26.95 for seniors). USA+ members can pur-chase the service for $22.50 per month. Sign-up, billing and collection, service, etc. is all handled by Life Station.

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Consolidated Legal ConceptsUSA+ members can choose from a network of over 20,000 attorneys and 6,900 law firms experienced indealing with the areas of the legal system.

How you benefit

Members are entitled to the following services:• One free half-hour, in-off ice consultation per month with a participating attorney. (Before each consultation a new

referral must be obtained from CLC. Each consultation must pertain to separate matters) • Preparation of a simple Will or the review of an existing Last Will and Testament at no charge. (One per fam-

ily membership)• Unlimited initial telephone consultations for up to thirty minutes each.• Additional rate reduction of 25% for consultation.• 25% rate reduction on numerous legal matters such as: traff ic ticket defense, uncontested divorce, real estate

closings, small business incorporation, collection letters, and bankruptcy proceedings.

Legal services covered under this plan include business, personal, criminal, and Income Tax/IRS matters. All court

costs, f ines, and other expenses, if any, are paid by USA+ members.

USA+ members can also choose from a network of attorneys experienced in dealing with abuses and unfair prac-tices in the credit system. These attorneys are trained to utilize procedures provided in the Fair CreditReporting Act to audit and clean up credit reports. For one specially discounted price, members willreceive a variety of credit services personalized to meet your specif ic f inancial needs.

CLC offers a fast, convenient way for USA+ members to have their state and federal income taxes prepared at adiscount by Certif ied Public Accountants (CPAs). This tax return preparation service is provided through a toll freenumber and can be accessed from the convenience of your off ice or home. Through a comprehensive interview,the CPAs will determine your taxable income and maximize your tax deductions.

How to use your benefitTo utilize any of the services available through CLC, simply call 1-800-541-9701. You will receive the name,address, and telephone number of the appropriate participating attorney in your area, or the toll-free numberfor the tax service. You must provide your USA+ membership number, address, telephone number, and a briefdescription of your legal matter to receive the referral. CLC must make the attorney referral on each legal mat-ter before the discount can be given. To receive your discount, present your USA+ membership card to the par-ticipating attorney or CPA.

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Term Life Insurance Benefit $20,000 How you benefitPays the benef iciary up to the benef it amount listed for the member ’s death.


Coverage is not provided for Secure Life 20 members over the age of 64. Coverage becomes effective 12 months after the effective date of the

membership.

The principal sum reduction schedule for Secure Life 20 is as follows:

18-69 100%

70-74 50%

75-79 25%

80-85 10%

85+ 0%



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eye care products (9000 Ed. 01-05) are issued by Ameritas Life.

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services as listed on the general price list. The 10% discount does not apply to cash advance items noralready discounted Dignity Memorial plans. Cemetery benef it is not available in all states.

2 Not available to Maryland residents. The Funeral Protection Certif icate can be obtained by contacting

USA+.

3 Available at most local Dignity Memorial providers.

4 Must be over 75 miles from the location where prearrangements were made.

5 USA+ Members must show their membership card to be eligible to receive these benef its.

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secure Life 20 - Legal benef its

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Consolidated Legal ConceptsUSA+ members can choose f rom a network of over 20,000 at torneys and 6 ,900 lawf i rms exper ienced in deal ing wi th the areas of the legal system.

How you benefit

Members are entitled to the following services:• One free half-hour, in-off ice consultation per month with a participating attorney. (Before each con-

sultation a new referral must be obtained from CLC. Each consultation must pertain to separate mat-ters)

• Preparation of a simple W ill or the review of an existing Last W ill and Testament at no charge.(One per family membership)

• Unlimited initial telephone consultations for up to thir ty minutes each.• Additional rate reduction of 25% for consultation.• 25% rate reduction on numerous legal matters such as: traff ic ticket defense, uncontested divorce,

real estate closings, small business incorporation, collection letters, and bankruptcy proceedings.

Legal services covered under this plan include business, personal, criminal, and Income Tax/IRS mat-ters. All court costs, f ines, and other expenses, if any, are paid by USA+ members.

USA+ members can also choose from a network of attorneys experienced in dealing with abuses andunfair practices in the credit system. These attorneys are trained to utilize procedures provided in theFair Credit Reporting Act to audit and clean up credit reports. For one specially discounted price,members will receive a variety of credit services personalized to meet your specif ic f inancial needs.

CLC offers a fast, convenient way for USA+ members to have their state and federal income taxesprepared at a discount by Certif ied Public Accountants (CPAs). This tax return preparation service isprovided through a toll free number and can be accessed from the convenience of your off ice orhome. Through a comprehensive interview, the CPAs will determine your taxable income and maxi-mize your tax deductions.

How to use your benefitTo utilize any of the services available through CLC, simply call 1-800-541-9701. You will receive the name,

address, and telephone number of the appropriate participating attorney in your area, or the toll-free number

for the tax service. You must provide your USA+ membership number, address, telephone number, and a brief

description of your legal matter to receive the referral. CLC must make the attorney referral on each legal mat-

ter before the discount can be given. To receive your discount, present your USA+ membership card to the par-

ticipating attorney or CPA.

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United Service AssociationFor Health Care Foundation

How you benefit

Through membership in UsA+, you have the opportunity to contribute to the United Service AssociationFor Health Care Foundation and assist worthwhile charities, community programs and national researchprojects.

Each year, UsA+ returns much needed grant money back into members’ local communities by awardingCommunity Service Grants nationwide. This program, now in its nineteenth year, has awarded over 6 milliondollars to worthwhile local organizations.

The UsA+ Foundation receives its funding from UsA+ membership dues. One dollar per month from eachmembership is donated to the UsA+ Foundation. This money is then given in the form of grants to charitablecauses.

Charitable organizations that receive funds from UsA+ member contributions include: American DiabetesAssociation, Cystic Fibrosis Foundation, Muscular Dystrophy Association, and St. Jude Children’s ResearchHospital® just to name a few.

Throughout the year, funded programs are featured in Total Health & Wellness magazine. These articlesspotlight how grant recipients are utilizing foundation monies to make a difference.

The United Service Association For Health Care Foundation can receive donations from businesses, otherfoundations, and individuals. If you want to make an additional tax-free donation, please send it to:

United Service Association For Health Care FoundationP.O. Box 200905Arlington, TX 76006-0905

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secure Life 20 - Additional information

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USA+ Benefits ProtectorHow you benefitMany individuals lose their job due to a company re-location, company downsizing or as the result of natu-ral disasters. For most individuals, loss of employment also means a monetary loss.

The Benefits Protector program helps cushion the impact of economic downturns that occur. Should you loseyour job through no fault of your own, we will be there for you. Your membership dues will be waived andyour membership benefits will continue for three (3) months. (Certain Terms and Conditions Apply)

Terms and Conditions

eligibilityThe member is eligible to apply for this benef it only if the loss of employment is not the result of miscon-duct connected with the Member’s work or if the member did not voluntarily quit his/her job. This benef itis not applicable to those individuals that were un-employed when they joined the association.

Waiting PeriodThe Benefits Protector Program is available to Members that have been a Member of USA+ in good standingfor at least six (6) months. Please refer to the Membership Agreement for additional information on GoodStanding.

benefit ActivationThe member must notify USA+ within 20 days of the loss of employment. Notice must be submitted to USA+at the following address:

P O Box 200905Arlington, Texas 76006-0905

Upon receipt of the written request, USA+ will send the member a Benef its Requests form to complete andreturn to USA+.

Proof of LossOnly those applications where USA+ is able to validate and conf irm the reason why the Member lostemployment will be accepted. If loss of employment was the result of misconduct connected with theMember’s work or if the member quit his/her job voluntarily, the member is not entitled to receive this ben-efit.

effective Date:The effective date of the Benef its Protector will be equal to the last paid to date of the Member ’s USA+membership prior to the loss of employment.

Termination Date:The termination date of the Benef its Protector is 90 calendars days from the effective date.

To continue benef its beyond this date, the member must submit the required membership dues. Please referto the Membership Agreement for additional information on retaining your membership benef its.

exclusionsThis benef it can be activated by the primary member only. Dependents, including spouse and child, are noteligible to activate this benef it.

This benef it is available only once in a 12-month period. The initial benef it period begins after the Memberhas been a member in good standing for six (6) months. The 12-month period begins on the terminationdate of the last usage period and continues for 12 continuous months.

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How to use your benefit1. Notify USA+ within 20 days of the loss of employment. Notice must be submitted to USA+ at the follow

ing address:P O Box 200905

Arlington, Texas 76006-0905

2. Upon receipt of your written request, USA+ will send you a Benef its Requests application to complete andreturn to USA+.

3. When the completed form is received, USA+ will contact your former employer and validate the reasonfor separation.

4. If the employer conf irms that the loss of employment was not the result of misconduct connected withyour work and you did not volantarily quit, you will receive a letter from USA+ confirming the continuation of your USA+ membeship.

5. If the employer is not able to conf irm your loss of employment, you will receive a letter from USA+ stating that we are unable to continue your membership.

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USA+ Scholarship ProgramUnited Service Association For Health Care (USA+) is a non-profit corporation chartered in Washington,

D.C., in 1983. The organization was formed to promote the adoption of equitable health care policy in the

United States, engage in nonpartisan research, study and analysis for the benefit of the general public

regarding the health care system and on occasion; publish the results of our research.

USA+ is committed to the promotion of equal access to health care for all Americans. In order to ensure

equal access to health care, it is important that there are sufficient medical providers available to serve the pub-

lic. For that reason, USA+ developed a scholarship program. This program will provide scholarships to out-

standing high school seniors that show promise of continued academic performance. This program is only

available to dependent children and grandchildren of USA+ members and will allow deserving students to

attain their educational goals.

Award

USA+ will award f ive (5) scholarships each academic school year. The scholarships are payable at $1,250 persemester and $2,500 per school year, for a total of four semesters (Fall and Spring) and a total award of$5,000. The award is only applicable to students whose degree program is in a medical related f ield.

eligibility

Members that have maintained good standing for at least six consecutive months are eligible to submit ascholarship application on behalf of their dependent children and grand children.

Good standing

Good Standing shall mean the status of a Member whose Membership dues have been paid current and noMembership dues are or have been past due. If the Member neglects to pay the required dues in any givenmonth, the Member is not eligible.

scholarship Award Criteria

Applicants scheduled course of study must be a medical related f ield and the recipient must be a full timestudent (minimum of 12 hours per semester). The selection criteria that will be used will include the follow-ing:

• Academic achievement, including grades, rank in class, standardized test scores and achievement test

scores.

• Student must have a minimum GPA of 3.0

• Community/extracurricular involvement

• Leadership

• Participation in specif ic activities

• Awards and recognition

• Work history

• Personal or family attributes

• Field of Study: Must be health care related, such as: Nursing, Radiology, School of Medicine,Nuclear medicine, etc

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Application Process

Applications are available year round and can be obtained by contacting USA+ at 800-872-1187. Applicantsshould complete and submit an application and attach the following documents:

• ACT or SAT scores

• High school diploma

• Letter of acceptance from the educational program director

• High school transcripts

The application should be submitted by June 30th and should be mailed to:United Service Association For Health CareScholarship Review CommitteeP.O. Box 200905Arlington, TX 76006

scholarship Notification Process

The scholarship review committee will review the applications. Final determination regarding the award willbe made by July 23rd and notif ication letters will be sent via US mail. Award checks will be made payableto the college/university.

scholarship renewal Award Criteria

After the initial award is extended for the f irst semester, in order to continue to receive an award for the fol-lowing subsequent semester, the student must provide a certif ied copy of their transcript that reflects a min-imum GPA of 3.0 with at least 12 hours earned. The information should be submitted to:

United service Association for Health Carescholarship review Committee

P.O. box 200905Arlington, TX 76006

This process must be completed for the three semesters that follow the initial application and award process.

Promotion/Publicity

Award recipients will be listed in the USA+ Total Health and Wellness Magazine. Employees of USA+ and contract-ed marketing companies and their dependents are not eligible for this program.

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Privacy Policy

Your right to privacy is very important. We recognize that when you choose to provide us with

information about yourself you trust us to act in a responsible manner. We believe this informa-

tion should only be used to help us provide you better service. That's why we have put a policy

in place to protect your personal information. Below is a summary of our policy.

The Informat ion We Col lect United Service Association For Health Care (USA+) collects personally identif iable informationfrom our members at time of enrollment. This information may include: Name, social securitynumber, phone number, date of bir th, billing address and shipping address and billing/paymentinformation.

How Do We Protec t the Conf ident ia l i ty and Secur i ty of Your In format ion?We maintain physical, electronic and procedural safeguards to ensure your personal informationis treated responsibly and in accordance with our privacy policy. Our policy includes restrictingaccess to those who need to know this information in order to provide products or services toyou.

To Whom We D isc lose Persona l ly Ident i f iab le Informat ionIn order for you to be able to utilize the benef its, we may disclose personally identif iable infor-mation that is required in order to conf irm your eligibility status. However, there are times whenUSA+ will be required to provide your personal information without your authorization. Examplesinclude, but are not limited to: requests from law enforcement, in response to a subpoena, inanswer to a court order, in response to a request from your state Department of Insurance. Wemay also disclose your personal information when we, in our sole discretion, believe that disclo-sure is necessary to prevent violations of the law, injury to a person or property.

How You Can Change Your Informat ion and PreferencesBecause your account information is stored offline for added security, there is no provision foryou to manually edit your account. You are unable to directly update, correct or delete yourinformation. Please contact USA+ to modify your information by using any of the following meth-ods:1. Email – www.usahc.com2. Send mail to – 1901 N. Hwy 360, Grand Prairie, Texas 750503. Call USA+ at 1-800-872-1187

Not i f i ca t ion of ChangesIf we change our Privacy Policy, we will post the changes on our web site, so you will always beaware of what information we collect, how we use it, and under which circumstances, if any, wedisclose it. We are dedicated to protecting your personal information, and will make every rea-sonable effort to keep that information secure.

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United service Association Membership Agreement

Member understands that this is NOT an insurance plan or program. This Agreement is made andentered into by and between United Service Association For Health Care (hereinafter referred toas “USA+”) and each Member and Eligible Person (as hereafter defined). USA+ agrees to makeavailable certain programs and services to the Member as described herein, during the termhereof, subject to the conditions, exclusions and limitations set forth in USA+’s agreement witheach Provider of such programs and services.

Article I—Definitions

1.01 “Membership Dues” shall mean the monies payable to USA+ for the services provided tothe Member. Member shall have the option of remitting Membership Dues on a monthly,quarterly (monthly dues multiplied by 3), semi-annual (monthly dues multiplied by 6) orannual bas is (month ly dues mul t ip l ied by 12) .

1.02 “Member ” sha l l mean a person who (a) makes appl icat ion for membersh ip in USA+and whose appl icat ion for such membersh ip has been accepted; and (b) becomesand remains a dues-pay ing Member in good s tanding of USA+ as ev idenced by therecords of USA+.

1.03 “Good Standing” shall mean the status of a Member whose Membership Dues have beenpaid current and no Membership Dues are past due. If the Member neglects to pay therequired dues in any given month, the Member is not eligible to receive any benef its andor services that would have been available if the Member were in good standing.Furthermore, any services received where a Member was not in good standing shall not becovered.

To resume a status of Good Standing, Member must pay any and all unpaid MembershipDues. Additionally, any Member whose status is other than Good Standing for more than 45consecutive days will be required to complete a new enrollment application, any associat-ed forms, and pay any required enrollment fees.

1.04 “Agreement Term” shall mean the period of time the Member timely pays the requiredMembership Dues. The Agreement Term ends when the Member is no longer in GoodStanding and/or the Member has submitted a written request to cancel the membership.

1 .05 “E l ig ib le Person” means the act ive dues pay ing Member.

1.06 “Member ’s Handbook” shall mean the materials provided to the Member by USA+ upon theperson being accepted as a Member of USA+.

1.07 “Prov ider ” means any person, company, cor por at ion or profess ional ava i lab lethrough the USA+ Prov ider Networks which prov ide Eligible Services to Members.

1.08 “Retail Price” shall mean the usual and customary fees charged by a USA+ Provider to mem-bers of the general public.

1.09 “Savings” shall mean an amount less than the retail price charged by a USA+ Provider.Savings may vary.

Article ii—services Available to Members

2.01 Subject to the limitations and restrictions contained in this Agreement, USA+ will use itsbest efforts to provide to all Eligible Persons during the Agreement Term certain programsand services. The Member understands and agrees that USA+ will use its best efforts tocause to continue the programs and services provided as of the date the Member is admit-ted as a Member of USA+ and USA+ is under no obligation whatsoever to increase or

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enhance the programs and services.

2.02 USA+ may at any time and for any reason discontinue, cancel, amend, supplement or alterany one or more of the programs or services now or hereafter provided to the Member.

2.03 Each Member will be provided with a description of the programs and services availableand each Provider of the programs and services. In order to be eligible to participate in aparticular program or service, the Member must strictly comply with the terms and provisions of theprogram as described in the Member’s Handbook. Failure to do so may result in a loss of benefit or dis-count to the Member.

Article III—Limit of Liability of Association

3.01 USA+ MAKES NO REPRESENTATION OR WARRANTIES CONCERNING THE PROGRAMS ANDSERVICES, THEIR VALUE OR WORTH, OR THE PRODUCT(S) OR SERVICE(S) PURCHASED ORUSED BY THE MEMBER OR ANY ELIGIBLE PERSON AND ANY AND ALL IMPLIED WAR-RANTIES ARE HEREBY DISCLAIMED BY USA+.

3.02 USA+ shall not be liable or responsible to any Member or Eligible Person for any act, fail-ure to act or any conduct whatsoever of any Provider of program(s) or service(s).

3.03 USA+ shall not be liable to any Member, Eligible Person or any person accompanying orrelated to a Member or Eligible Person in connection with utilization of any of the programsor services.

Article IV—General Provisions

4.01 MEMBERS RIGHT TO CANCEL - All USA+ Members are entitled to a free-look period of 10days. The free-look period begins on the date the Member receives the Member ’sHandbook and ends after 9 additional calendar days have elapsed, or such longer periodas may be required by state law. Should the Member elect to cancel and submits a cancel-lation request to USA+ while in the free-look period, the Member's membership will be can-celled and all dues paid to USA+ will be refunded to the Member. Cancellation requestsreceived after the expiration of the free-look period are accepted, but will not result in arefund. All requests to cancel must be submitted to USA+ in writing, and signed by theMember. It is recommended that you mail the notice of cancellation by certif ied mail, returnreceipt requested. Upon receipt of the cancellation request, USA+ will process theMember's request within 10 business days and cease all billing to the Member.

4.02 USA+ will provide identif ication cards to all Members for their use in connection with theprograms and services. This card, as well as other forms of identif ication should be carriedby the Members at all times to provide proof of the right to utilize the programs and serv-ices.

4.03 All arrangements, if any are necessary, to use any of the programs or services must bemade by the Member and the Provider of the program or service.

4.04 The Member shall not contract, authorize or engage any service or expense in the name ofor on behalf of USA+. USA+ is under no obligation to reimburse the Member should theMember independently authorize, contract or make payment for any service. USA+ has notand will not undertake a review of any such agreement(s) between a Member and aProvider(s).

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4.05 The foregoing Member ’s Agreement constitutes the entire agreement between USA+ andthe Member. If any provision is declared void or unenforceable under any law, that provi-sion is severable and the remainder of the Agreement shall remain in full force and effect.If any legal action is brought by either party to this Member ’s Agreement, it is expresslyagreed that the party in whose favor f inal judgment shall be rendered shall be entitled to recover from the other party reasonable attorney’s fees in addition to any other relief thatmay be awarded. This Agreement is performable in Dallas County, Texas and any action orsuit brought to enforce or construe this Agreement shall be brought in Dallas County, Texas.This Agreement shall be governed and construed in accordance with the laws of the stateof Texas. This Agreement cannot be assigned by the Member without prior written consentof USA+. For further information, call USA+ at 1-800-USA-1187.

4.06 Liability” USA+ only negotiates discounts with Providers and provides a payment mecha-nism through which Members may receive savings. USA+ does not provide any medical services, products, products liability, or guarantees of any kind for any Member. Providersare independent contractors and are not employees or agents of USA+. The f inal selectionof the medical professional and/or medical facility and the approval or disapproval of med-ical treatment is the Member ’s choice alone. Should a Member have questions regarding aProvider ’s qualif ications, the Member should contact the Provider directly. USA+ does notinterfere with the Provider-Member/Doctor-Patient relationship and assumes no responsi-bility for any medical advice given by any Provider nor shall USA+ be liable for the negli-gence or other wrongful acts or omissions of any Provider providing services pursuant tothis Agreement. The Member shall have no recourse against USA+ by virtue of its availability for refer-ral to a Provider. Upon occasion a Provider may offer special pricing for services, or Members may be eli-gible for savings through other plans. Members have the option of choosing to pay the Provider directlyor utilizing an alternate plan instead of USA+. USA+ does not guarantee a specific charge from any spe-cific Provider.

4.07 As a Member, you have 10 days from the date of service to notify USA+ Member Services if you believeyou did not receive your savings. In order to review your complaint, you will need to submit your originalreceipt as proof of service, along with a letter stating the charge that you expected to incur, and submit toUSA+. Upon receipt, USA+ will contact the Provider and the results of our findings will be forwarded toyou.


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Membership Agreement Additional State Information Regarding Your Right To Cancel

Colorado

"PURCHASER'S RIGHT TO CANCEL:" "THE PURCHASER MAY CANCEL THIS CONTRACTFOR ANY REASON AT ANY TIME PRIOR TO THE CLOSE OF BUSINESS ON THE NEXTBUSINESS DAY FOLLOWING THE DAY THE PURCHASER SIGNS THE MEMBERSHIP CON-TRACT BY DELIVERING OR MAILING TO THE BUYERS' CLUB WRITTEN NOTICE OF CAN-CELLATION. NOTICE OF CANCELLATION, IF SENT BY MAIL, IS DEEMED TO BE GIVENAS OF THE DATE THE MAILED NOTICE IS POSTMARKED."

Florida

"MEMBER'S RIGHT TO CANCEL" "IF YOU WISH TO CANCEL THIS CONTRACT, YOUMAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE CLUB. TOPROVE THAT YOU CANCELED, IT IS RECOMMENDED THAT YOU SEND THE NOTICE BYCERTIFIED MAIL. THE NOTICE SHALL STATE THAT YOU DO NOT WISH TO BE BOUNDBY THE CONTRACT AND SHALL BE DELIVERED OR MAILED BEFORE 12 MIDNIGHT OFTHE THIRD BUSINESS DAY AFTER YOU SIGN THIS CONTRACT. THE NOTICE SHALL BEDELIVERED OR MAILED TO:

USA+P.O. BOX 200905

ARLINGTON, TX 76006-0905

IF YOU CANCEL, THE CLUB WILL RETURN, WITHIN 10 DAYS OF THE DATE ON WHICHYOU GIVE NOTICE OF CANCELLATION, A TOTAL REFUND. IT IS RECOMMENDED THATYOU MAIL THE NOTICE OF CANCELLATION BY CERTIFIED MAIL, RETURN RECEIPTREqUESTED; CHECK WITH YOUR POST OFFICE AS TO THE TIME WHEN YOU WILL BEABLE TO MAIL A CERTIFIED LETTER. BE SURE TO KEEP A PHOTOCOPY OF THE NOTICEOF CANCELLATION WHICH YOU MAIL."

Georgia

"MEMBER'S RIGHT TO CANCEL" "IF YOU WISH TO CANCEL THIS CONTRACT, YOUMAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE CLUB. TOPROVE THAT YOU CANCELED, IT IS RECOMMENDED THAT YOU SEND THE NOTICE BYCERTIFIED MAIL. THE NOTICE SHALL STATE THAT YOU DO NOT WISH TO BE BOUNDBY THE CONTRACT AND SHALL BE DELIVERED OR MAILED BEFORE 12 MIDNIGHT OFTHE THIRD BUSINESS DAY AFTER YOU SIGN THIS CONTRACT. THE NOTICE SHALL BEDELIVERED OR MAILED TO:

USA+P.O. BOX 200905


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IF YOU CANCEL, THE CLUB WILL RETURN, WITHIN 10 DAYS OF THE DATE ON WHICHYOU GIVE NOTICE OF CANCELLATION, A TOTAL REFUND. IT IS RECOMMENDED THATYOU MAIL THE NOTICE OF CANCELLATION BY CERTIFIED MAIL, RETURN RECEIPTREqUESTED; CHECK WITH YOUR POST OFFICE AS TO THE TIME WHEN YOU WILL BEABLE TO MAIL A CERTIFIED LETTER. BE SURE TO KEEP A PHOTOCOPY OF THE NOTICEOF CANCELLATION WHICH YOU MAIL."

Iowa

"NOTICE OF CANCELLATION" . YOU MAY CANCEL THIS TRANSACTION, WITHOUTANY PENALTY OR OBLIGATION, WITHIN THREE BUSINESS DAYS FROM THE ABOVEDATE. IF YOU CANCEL, ANY PROPERTY TRADED IN, ANY PAYMENTS MADE BY YOUUNDER THE CONTRACT OR SALE, AND ANY NEGOTIABLE INSTRUMENT EXECUTED BYYOU WILL BE RETURNED WITHIN TEN BUSINESS DAYS FOLLOWING RECEIPT BY THESELLER OF YOUR CANCELLATION NOTICE, AND ANY SECURITY INTEREST ARISING OUTTHE TRANSACTION WILL BE CANCELED. IF YOU CANCEL, YOU MUST MAKE AVAILABLETO THE SELLER AT YOUR RESIDENCE, IN SUBSTANTIALLY AS GOOD CONDITION ASWHEN RECEIVED, ANY GOODS DELIVERED TO YOU UNDER THIS CONTRACT OR SALE;OR YOU MAY IF YOU WISH, COMPLY WITH THE INSTRUCTIONS OF THE SELLERREGARDING THE RETURN SHIPMENT OF THE GOODS AT THE SELLER'S EXPENSE ANDRISK. IF YOU DO NOT AGREE TO RETURN THE GOODS TO THE SELLER OR IF THE SELL-ER DOES NOT PICK THEM UP WITHIN TWENTY DAYS OF THE DATE OF YOUR NOTICEOF CANCELLATION, YOU MAY RETAIN OR DISPOSE OF THE GOODS WITHOUT FUR-THER OBLIGATION. TO CANCEL THIS TRANSACTION, MAIL OR DELIVER A SIGNEDAND DATED COPY OF THIS CANCELLATION NOTICE OR ANY OTHER WRITTENNOTICE, OR SEND A TELEGRAM, TO:

USA+:P.O. BOX 200905


NOT LATER THAN MIDNIGHT OF THIRD BUSINESS DAY. I HEREBY CANCEL THIS TRANS-ACTION. (DATE) (BUYER'S SIGNATURE). "

Kentucky

"MEMBERS' RIGHT TO CANCEL" "KENTUCKY LAW GIVES YOU THREE (3) DAYS TO CAN-CEL YOUR AGREEMENT WITH US. IF YOU WISH TO CANCEL THIS CONTRACT, YOUMAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE COMPANY.CERTIFIED MAIL WOULD PROVIDE GREATER PROTECTION THAN FIRST-CLASS MAIL, BUTIS NOT NECESSARY. IF YOU DELIVER THE NOTICE PERSONALLY, YOU ARE ENTITLED TOA RECEIPT. YOUR NOTICE MUST MAKE KNOWN THAT YOU DO NOT WISH TO BEBOUND BY THE CONTRACT. IF THE NOTICE IS DELIVERED OR MAILED BEFORE MID-NIGHT OF THE THIRD BUSINESS DAY

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Minnesota

"MEMBERS' RIGHT TO CANCEL" "IF YOU WISH TO CANCEL THIS CONTRACT, YOUMAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE CLUB. THENOTICE MUST SAY THAT YOU DO NOT WISH TO BE BOUND BY THE CONTRACTAND MUST BE DELIVERED OR MAILED BEFORE MIDNIGHT OF THE THIRD BUSINESS DAYAFTER YOU SIGN THIS CONTRACT. THE NOTICE MUST BE DELIVERED OR MAILED TO:

USA+P.O. BOX 200905

ARLINGTON, TX 76006-0905IF YOU CANCEL, THE CLUB WILL RETURN, WITHIN TEN DAYS OF THE DATE ONWHICH YOU GIVE NOTICE OF CANCELLATION, ANY PAYMENTS YOU HAVE MADE."

MISSOURI

"MEMBER'S RIGHT TO CANCEL" "IF YOU WISH TO CANCEL THIS CONTRACT, YOUMAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE COMPANY.CERTIFIED MAIL WOULD PROVIDE GREATER PROTECTION THAN FIRST-CLASS MAIL, BUTIS NOT NECESSARY. IF YOU DELIVER THE NOTICE PERSONALLY, YOU ARE ENTITLED TOA RECEIPT. YOUR NOTICE MUST MAKE KNOWN THAT YOU DO NOT WISH TO BEBOUND BY THE CONTRACT. IF THE NOTICE IS DELIVERED OR MAILED BEFORE MID-NIGHT OF THE THIRD BUSINESS DAY AFTER YOU SIGN THIS CONTRACT, YOU AREENTITLED TO A REFUND OF THE ENTIRE CONSIDERATION PAID FOR THE CONTRACT. THE NOTICE MUST BE DELIVERED OR MAILED TO:

USA+P.O. BOX 200905


IF YOU CANCEL, THE CLUB IS REqUIRED TO RETURN, WITHIN FOURTEEN DAYS OF THEDATE ON WHICH YOU GIVE NOTICE OF CANCELLATION, ANY PAYMENTS YOU HAVEMADE."

New Hampshire

"MEMBERS' RIGHT TO CANCEL" "IF YOU WISH TO CANCEL THIS CONTRACT, YOUMAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE COMPANY.CERTIFIED MAIL WOULD PROVIDE GREATER PROTECTION THAN FIRST-CLASS MAIL, BUTIS NOT NECESSARY. IF YOU DELIVER THE NOTICE PERSONALLY, YOU ARE ENTITLED TOA RECEIPT. YOUR NOTICE MUST MAKE KNOWN THAT YOU DO NOT WISH TO BEBOUND BY THE CONTRACT. IF THE NOTICE IS DELIVERED OR MAILED BEFORE MID-NIGHT OF THE THIRD BUSINESS DAY AFTER YOU SIGN THIS CONTRACT, YOU AREENTITLED TO A REFUND OF THE ENTIRE CONSIDERATION PAID FOR THE CONTRACT.OTHER CANCELLATION ENTITLES YOU TO A PRO RATA REFUND FOR THOSE DAYSREMAINING ON THE CONTRACT. THE

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NOTICE MUST BE DELIVERED OR MAILED TO:

USA+P.O. BOX 200905


IF YOU CANCEL, THE CLUB IS REqUIRED TO RETURN, WITHIN 10 DAYS OF THE DATEON WHICH YOU GIVE NOTICE OF CANCELLATION, AND PAYMENTS YOU HAVEMADE."

RHODE ISLAND

"YOU, THE CUSTOMER, MAY CANCEL THIS CONTRACT AT ANY TIME PRIOR TOMIDNIGHT OF THE THIRD (3RD) BUSINESS DAY AFTER THE DATE OF THIS CON-TRACT. TO CANCEL YOU MUST NOTIFY THE COMPANY IN WRITING OF YOURINTENT TO CANCEL."

TENNESSEE

"MEMBER'S RIGHT TO CANCEL" "IF YOU WISH TO CANCEL THIS CONTRACT, YOUMAY CANCEL BY DELIVERING OR MAILING A WRITTEN NOTICE TO THE COMPANY.CERTIFIED MAIL WOULD PROVIDE GREATER PROTECTION THAN FIRST CLASS MAIL, BUTIS NOT NECESSARY. IF YOU DELIVER THE NOTICE PERSONALLY, YOU ARE ENTITLED TOA RECEIPT. YOUR NOTICE MUST MAKE KNOWN THAT YOU DO NOT WISH TO BEBOUND BY THE CONTRACT. IF THE NOTICE IS DELIVERED OR MAILED BEFORE TWELVEO'CLOCK MIDNIGHT (12:00) OF THE THIRD BUSINESS DAY AFTER YOU SIGN THISCONTRACT, YOU ARE ENTITLED TO A REFUND OF THE ENTIRE CONSIDERATION PAIDFOR THE CONTRACT. THE NOTICE MUST BE DELIVERED OR MAILED TO:

USA+P.O. BOX 200905


IF YOU CANCEL, THE CLUB IS REqUIRED TO RETURN, WITHIN FOURTEEN (14) DAYS OFTHE DATE ON WHICH YOU GIVE NOTICE OF CANCELLATION, ANY PAYMENTS YOUHAVE MADE."

WISCONSIN

“CANCELLATION AND REFUNDS” WITH A PROVISION UNDER THE CAPTION STAT-ING: “RIGHT TO CANCEL. YOU ARE PERMITTED TO CANCEL THIS CONTRACT UNTILMIDNIGHT OF THE 3RD DAY AFTER THE DATE ON WHICH YOU SIGNED THE CON-TRACT. IF WITHIN THIS TIME PERIOD YOU DECIDE YOU WANT TO CANCEL THISCONTRACT, YOU MAY DO SO BY NOTIFYING USA+ BY ANY WRITING MAILED ORDELIVERED TO USA+ AT THE ADDRESS SHOWN ON THE CONTRACT WITHIN THEPREVIOUSLY DESCRIBED TIME PERIOD. IF YOU DO SO CANCEL, ANY PAYMENTS

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WILL BE REFUNDED WITHIN 20 DAYS AFTER NOTICE OF CANCELLATION IS DELIV-ERED, AND ANY EVIDENCE OF ANY INDEBTEDNESS EXECUTED BY YOU WILL BECANCELED BY USA+ AND ARRANGEMENTS WILL BE MADE TO RELIEVE YOU OFANY FURTHER OBLIGATION TO PAY THE SAME.”

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TC_SecureLife.09.26.12 USAGSPH040110

P.O. Box 200905 • Arlington, TX • 76006-0905 • 1-800-USA-1187 • www.usahc.com

United Service Association For Health Care

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