Alliance for Affordable Services

THE POWER OF NUMBERS

C O N S U M E R E D G E

TABLE OF CONTENTS

Consumer Edge 2

Top Benefits 2

Benefits That are Included in Your Cost of Membership 3

How Much Money Could You Save? 4

Legislative Advocacy 5

Top Legislative Issues 5

GET STARTED 6 - 9

Kick Start Your Savings 7

Important Things You Can Do Right Now 8

BUSINESS BENEFITS 11 - 15

It All Adds Up to Savings 11

Top Business Benefits 12

More for Your Money 14

PERSONAL BENEFITS 16 - 21

Get More Out of Life 17

Top Personal Benefits 18

Enhance Your Lifestyle! 19

HEALTH BENEFITS 22 - 28

Because Health Matters 23

Top Health Benefits 25

Stretch Your Health Care Dollars 27

APPLICATIONS 29 - 32

Alliance Membership Application 29

Association 105® Application 31

GET THE POWER OF NUMBERS WORKING FOR YOU

CONSUMER EDGE

The Alliance for Affordable Services leverages the power of numbers to help you

save time and money. Alliance Members have access to benefits to help them save

money in both their business and personal lives. Take a moment to review the

benefits available to you and learn how the power of numbers can work for you.

n MEMBERSHIP

The Alliance stands strong with hundreds of thousands of members from across

the nation. With the ability to unite small-business owners and individuals, the

Alliance has created a group with the clout to negotiate valuable savings.

n BENEFITS

Providing a variety of business, personal and health care benefits to members is the

purpose of the Alliance for Affordable Services. Helping members save money in

both their professional and personal lives is part of what the Alliance is all about.

You don’t have to be in corporate America to have access to great benefits at

substantial savings.

n ADVOCACY

Representing members’ voices in Washington, D.C., the Alliance helps advocate

for legislative change to help improve the lives of small-business owners and

individuals. The Alliance informs and empowers consumers to get involved and

make a difference.

“Our family saved over

$6,038 in taxes with the Association

105® HRA benefit!”David W.

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BENEFITS

n Access to AffordableHealth Insurance

n Accidental Death Benefit

n Alliance Scholarship Program

n Association Rx Card

n Business ConsultantAdvice Line

n Home OfficeProtection

n HospitalConfinement andER Benefits

n MedicalDiscount Programs

n Online Tax Advice

n Roadside Assistance

n Tax Saving Programs

ALLIANCE MEMBER SERVICES | 1-800-733-2242 | WWW.AFFORDABLESERVICES.ORG2

ALLIANCE MEMBER SERVICES | 1-800-733-2242 | WWW.AFFORDABLESERVICES.ORG

CONSUMER EDGE

VALUABLE MEMBER BENEFITS THAT AREINCLUDED IN YOUR COST OF MEMBERSHIP


n Alliance ConsumerClub Rewards

n Business Consultant Advice Line

n Business InterruptionExpense Program

n Discount Dental

n Emergency Room Benefit

n Emergency Helicopter

n EPIC Hearing

n Heart Attack Benefit

n Home Office Protection

n Hospital Confinement Benefit

n Hotel Access Card

n Identity Theft Restoration

n Legal Club of America® —Family Plan

n Legal Club of America® — Small-Business Plan

n Medical Travel Assistance

n Nurse Advice Hotline

n Online Tax Consultant


n Tax Savings for the Self-Employed

AND ADDITIONAL SAVINGS...n ABS Financial 10% Discount n Hewlett-Packard Up to 10% Savings

n A-Systems Accounting Software 50% Savings n Hospital Savings Card Average Savings up to 25%

n CAREINGTON HealthWise 20% to 45% Savings n Incorporation Services 20% Savings

n ConferencePlus Up to 70% Savings n International Paymaster 35% to 40% Savings

n Countrywide Home Loans Up to $500 Off Closing Costs n Jones International University 10% Savings

n Credit and Debit Card Processing $295 Fee Waived n Office Supplies Up to 80% Savings

n Debt Review and Consolidation 40% Discount n Portable Storage 10% Savings

n DellTM Up to 5% Discount n Printing Services 10% to 30% Savings

n Dent Zone 40% Savings n Rental Cars 5% to 20% Savings

n DHL Express Up to 24% Savings n Travel & Entertainment 5% to 30% Savings

n Direct Labs Up to 70% Savings n Vision Savings 40% Savings

n Health Connection 20% to 60% Savings n Vitacost.com Up to 75% Savings

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CONSUMER EDGE

HOW MUCH MONEY COULD YOU SAVE?It won’t take you long to see that your Alliance Membership will pay for itself! By taking advantage of the products and services that are available, you open a world of savings. Here is how much money you could save using a sampling of the Alliance benefits you have access to:

Business Potential Savings

Association 105® HRA n Tax savings for the self-employed (must qualify) $4,047Credit & Debit Card Processing n Enrollment fee waived $295DHL Express n Overnight mail services $187Business Consultant Advice Line n Advice on small-business issues $150Hewlett-Packard n Technology equipment $144QuickBooks®

n Financial software $124Burns Graphics n Printing and promotional services $81ABS Financial Services n Tax services $60

PersonalReal Estate Transactions n Buying and selling / residential or commercial $900North American Van Lines n Moving services $750Alliance ConsumerClub Rewards n Credit towards travel and consumer products $600Countrywide Home Loans n Mortgage lending $500Emergency Roadside Assistance n Roadside services $65Hotel Discount Program n Hotel savings $8Identity Theft Restoration n Service to restore your identity $50

HealthDiscount Dental Program $143Accidental Death & Dismemberment Benefit $64HealthWise Advantage Card n Medical savings program $59Hospital Confinement for Accident $59Emergency Room Benefit $28

Total potential savings for just these benefits: $8,314Potential Member Savings are based on a January 2006 pricing study administered by J. Shelton Associates, dba Shelton Creative, an integrated, full-service branding and marketing agency based in Dallas, Texas. The Potential Member Savings are annual and represent the sum of commonly used benefits available to Alliance Members. For more information on your Alliance benefits, please refer to www.AffordableServices.org.


CONSUMER EDGE

L E G I S L AT I V E A D V O C A C YMAKE A DIFFERENCE – JOIN THE ALLIANCE ACTION TEAM!

The power of numbers is a critical element in making change happen. That is why the Alliance Action Team was created. Action Team Membersreceive regular e-mail updates from Washington, D.C., and special alerts whenit is time to put the numbers to work and make a difference. Over the years,the Alliance has helped bring about positive change for small-business owners and individuals.

To join the Alliance Action Team visit www.AffordableServices.org and click on the Advocacy link.

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LEGISLATIVE

ISSUES

As your voice on CapitolHill, the Alliance advocates for importantlegislation that allowsyou to keep more ofyour hard-earned money.Some examples include:

n Health Care Reform

n Estate Tax Reform

n Social Security Reform

n Simplification of Private Pension Rules

n EquipmentExpensing

n Capital Gains Tax

n Minimum Wage Increase

n Business MealsDeduction

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K I C K S TA RT Y O U R S AV I N G S

Consumer Edge Benefits

Check out all the things to

do in the first 30 daysto maximize the valueof your membership.Turn the page to find out how.

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“I have used Roadside

Assistance six or seven

times over the course of

my membership. Each

time they have been

very courteousand there’s never any

waiting around. It’s a

great service!”Clark B.

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CONSUMER EDGE

I M P O RTA N T T H I N G S Y O U

C A N D O R I G H T N O W !n Set up your Alliance Web Account

Get streamlined access to your benefits. Log on to www.AffordableServices.org and click on “Set Up Account.”

n Check out the Tax Savings for Small-Business Owners* No matter how your business is structured — sole-proprietorship, partnership, LLC or small corporation — you may qualify for this unique tax-saving program. The typical client saves an averageof $3,800 in taxes. Make a quick phone call to Association 105® HRA at 1-866-550-5525 to see if youqualify and to receive estimated tax savings.

n Subscribe to your member e-letterReceive up-to-date information on your benefits and legislative issues that could impact you! Simplylog in to www.AffordableServices.org and set up your Web Account to start receiving the Alliance

Advance e-letter.

n Activate your Legal Club of America® accounts* You have access to a variety of legal services for business or personal needs included in the cost of yourmembership. Call 1-800-305-6816 to activate the Small-Business and Family Legal Plans. Rememberto identify yourself as an Alliance Member.

n Enroll your dependents in the Roadside Assistance program*Emergency roadside service is available for you and your immediate family 24-hours-a-day, 7-days-a-week at no additional cost to you. Call 1-800-523-4582 to enroll your spouse and dependents on your plan.

* Although these benefits are included in your membership, you must activate via phone or online.


CONSUMER EDGE

n Get your car door fixed!You get one free door ding repair within the first 120 days of membership from Dent Zone, and save 40% on additional door ding repairs ($125 average retail value). Call 1-877-336-8879 or visit www.pdrlinx.com, and identify yourself as an Alliance Member.

n Call the Business Consultant Advice LineGet unlimited business guidance from professional consultants at no additional cost to you. Call Alliance Member Services and ask for the Business Consultant Advice Line. Or visit www.AffordableServices.org to submit a question.

n Order your Hotel Access CardCall Alliance Member Services and request Benefit #1147, which is included in the cost of your membership. You’ll save up to 50% on hotel stays. Additional directories are $6.95 each.

n Get rewarded for being an Alliance MemberVisit www.AffordableServices.org and click the ConsumerClub Rewards link to access your Rewards Cash that isredeemable for partial payments on hotels, DVDs, airlines, restaurant offers and more.

n Online Tax AdviceUnlimited access to tax advice is at your fingertips at no additional charge to you. Visit www.AffordableServices.orgto submit a question.

n START SAVING!!! Visit www.AffordableServices.org for more great ways to get the most out of your Alliance Membership!Remember to identify yourself as an Alliance Member and mention any promo codes when requesting information from benefit providers.

ALLIANCE MEMBER SERVICES | 1-800-733-2242 | WWW.AFFORDABLESERVICES.ORG 9

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IT ALL ADDS UP TO SAVINGS

Business Benefits

Small-business owners recognize that

running a business requires managing

time, money and resources. That is

why the Alliance offers members

many significant benefits

at no additional chargeand discounts to help your bottom line.

“My favoriteAlliance benefit is the

Business Consultant

Advice Line. Being able to have someone

guide me through questions

related to taxes, financing

and marketing can make

a real difference.”

Dan S.


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BUSINESS BENEFITS

n Tax Savings for the Self-EmployedQualifying members can deduct up to 100% of their health insurance premiums and non-insured medical expenses from state, federal and self-employment taxes with the services provided by Association 105® HRA.

The average Association 105® customer saves over $3,800 in taxes per year. By enrolling now, the service is offered at no additional charge to you during your first year of Alliance Membership — a $199 value.

Find out if you qualify and get estimated tax savings. Take a couple of minutes and call 1-866-550-5525, 8 a.m. to 6 p.m., CST, Monday - Thursday, and 8 a.m. to 5 p.m. on Friday. You can also receive more information at www.association105.com or by email at [email protected].

n Legal Club of America® – Small-Business Plan*Alliance Members have access to a national network of attorneys in all 50 states that provide members with free and discounted legal care, through the Legal Club of America®

Small-Business Plan. Attorney-provided, free legal services — a $290 retail value — include:

• Monthly review by a plan attorney of up to five legal documents (10 pages each)• Two initial phone calls per month made on behalf of your business • Initial collection letters per month (10 maximum)• Consultation for each new legal matter (30-minutes each)• Registered agent for your business

Call Legal Club of America at 1-800-305-6816 to activate this complimentary benefit today or to discuss limitations that may apply. Be sure to mention your Consumer EdgeMembership. Visit www.AffordableServices.org for additional information.

* This program is not insurance coverage. May not be available in all areas.

n Online Tax ConsultantGet unlimited advice from Certified Public Accountants, on all your tax questions, at no additional charge to you. Visit www.AffordableServices.org to submit your questions and receive an answer within 48 hours.

NOTE: The Online Tax Consultant available on the Alliance Web site provides financial and business information pertinent to small-business owners and individuals through Allen & Robertson, LLP Certified Public Accountants and is not operated by, nor is the informationfurnished by, the Alliance. It is not intended to replace the role of the tax professional in your

business matters. It is recommended and important that users consult with their own business professionals for advice regarding their specific facts and circumstances.

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BUSINESS

BENEFITS

n Tax Savings

n Business InterruptionExpense Program

n Business andTax Advice

n Credit and DebitCard Processing

n Overnight Shipping

n Home OfficeProtection

n Identity TheftRestoration

n Small-Business Legal Plan

n Printing andOffice Supplies

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BUSINESS BENEFITS

n Business Interruption Expense ProgramIf you become temporarily disabled as a result of an occupational injury, your business expenses do not stop. That is whythe Alliance provides this benefit at no additional cost to you. You have access to up to $1,000 for up to 3 months to helpyou keep your business going. Eligible business expenses include:

• Rent or mortgage* • Business equipment leasing cost• Property taxes* • Utilities*

For additional information or to file a claim, please call 1-800-656-6267, 9 a.m. to 5 p.m. EST, Monday - Friday. Identify yourself as an Alliance Member.

* Only that portion scheduled as a tax deductible business expense with the IRS. For a copy of the policy contact Alliance Member Services.

n Home Office ProtectionSince a traditional homeowner’s insurance policy provides limited protection for those items in a home office, the Allianceoffers the Home Office Protection Plan included in the cost of your membership. Coverage includes, but is not limited to:

• $7,500 per occurrence for home office equipment ($2,500 maximum per item with some special limits)• No deductible if other coverage exists ($100 deductible if there is no other coverage)• $1,500 for electrical equipment per policy period• $1,000 for tools per policy period• Up to $1,500 for temporary relocation of your home business (maximum $500 per month)• $20,000 business liability coverage (at residence)

Contact Alliance Member Services to request a copy of the policy. For additional information on how to file a claim, please call 1-800-656-6267, 9 a.m. to 5 p.m. EST, Monday - Friday. Identify yourself as an Alliance Member.

This is a brief description of the Home Office Protection and Business Interruption Expense Program coverages offered under the Blanket HomeBusiness Personal Effects Master Policy #SE121944 and applies only to Alliance Members in good standing with the association. This coverage is excess and subject to limitations and exclusions.

“These Alliance benefits are wonderful and they really do help members

save money.”Earnest C.

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BUSINESS BENEFITS

M O R E F O R Y O U R M O N E YTHE ALLIANCE ALSO GIVES YOU ACCESS TO THESE ADDITIONAL BUSINESS BENEFITS:Be sure to mention your Alliance Membership and promo codes when using your benefits.

n ABS Financial ServicesPrepaid tax services at a 10% discount. Call 1-615-883-8828 or email [email protected] and mention your Alliance Membership.

n Alliance Advance E-letterMonthly news about benefits, legislative updates and a chance to win prizes. To receive your copy at no additional charge to you, set up an Alliance Web Account and register your e-mail address.

n Alliance GuidanceYour quarterly member magazine delivered to your door at no additional charge to you.

n Alliance Web SiteIn-depth, online resources at www.AffordableServices.org.

n AlphaGraphicsSave 10% off the retail list prices on design, printing and copying at participating locations nationwide. To finda location near you, call 1-800-955-6246 and mention yourAlliance Membership.

n A-Systems AccountingSave 50% off the retail price on Visual BookkeeperTM

or JobView® accounting software for only $39.95. Call 1-800-365-6790 and mention your Alliance Membership.

n Bad Check CollectionElectronic check recovery systems with no monthly service fee. Call 1-888-626-3966 and mention promo code#100 for your one-time, discounted set-up fee — only $67.

n Burns Graphics, Inc.Up to 30% off printing and promotional products.Call 1-888-805-3000 and mention your AllianceMembership to receive your discount or visithttp://alliance.burnsgraphics.com.

n Business Consultant Advice LineUnlimited access to business consultants at no additional cost to you. Call Alliance Member Services or visit www.AffordableServices.org to submit your questions online.

n Click&CopyrightDiscounted online copyright registration services.Call 1-866-992-5425 or visit www.clickandcopyright.comand refer to promo code Alliance.

n Click&IncSave 20% on business incorporation services. Call 1-866-992-5425 or visit www.clickandinc.com and refer to promo code Alliance.

n ConferencePlus™Save up to 70% on all your conferencing needs. Call 1-866-891-5340.

n Credit and Debit Card ProcessingReceive discounted rates on state-of-the-art credit cardprocessing. The $295 standard enrollment fee is waivedfor Alliance Members. Call 1-800-783-7833 and identify yourself as an Alliance Member.

n Dell™Save up to 5% on your purchases from Dell. Call 1-800-677-9725 for more information.

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BUSINESS BENEFITS

n DHL Express — Overnight ShippingSave up to 24% on air express delivery services. Call 1-888-758-8955 and mention promo code #N80-YAFC. Or visit www.airexpressadvantage.com.

n E & O CoverageProtect your business with affordable liability coverage for any act, error or omission that arises from your professional service in the event of litigation. Annual limits range from $100,000 to $1 million. For more information, call 1-888-249-9002, 9 a.m. to 5 p.m. EST,Monday - Friday, or visit www.crescentinsurance.com.

n General Liability ProtectionProtect yourself with affordable coverage in the event a claim is made against you for bodily injury or propertydamage alleged to have been caused by your business operations or products. Call 1-888-249-9002, 9 a.m. to 5 p.m.EST, Monday - Friday. Or visit www.crescentinsurance.com.

n Hewlett-PackardSave up to 10% on all HP products. Call 1-888-221-9146 and mention promo code ALL1. Or visit www.hp.com/store/alliance.

n International Paymaster Systems, Inc.Save up to 40% on this completely paperless payroll system.Call 1-866-886-1793 and mention your Alliance Membership.

n Members OnlineDiscounted rates on Web site development, hosting andWeb-to-print direct mail services. Call 1-800-563-6771 oremail [email protected].

n National Credit SystemsFlat-fee credit collection services plus you receive 100%of amount recovered. Call 1-800-363-7215, ext. 6400, orvisit www.ncsplus.com/theall.

n NeatReceiptsSave 20% plus free ground shipping on this software and scanner combination that helps you digitize and manage receipts. Alliance Member price $179.95. Call 1-866-632-8732 or visit www.neatreceipts.com/alliance.

n OppenheimerFunds — Single KSM PlanRetirement plans designed for the self-employed with no set up fees. Call 1-866-264-8103 or visitwww.NationalRetirementPlans.com.

May not be available in all states. Some restrictions may apply. For complete details, visit www.AffordableServices.org.

n Penny-Wise Office Products Up to 80% off list prices on over 40,000 items. Call 1-800-942-3311 or visit www.penny-wise.com and mention promo code AAH.

n QuickBooks®

Save 20% on this best selling software. Visitwww.AffordableServices.org for more information.

n SamplePay®

Reduce payroll processing costs by as much as 70%.Professional payroll assistance for Association 105®

HRA participants only. Call 1-800-370-9607 or visit www.samplepay.com.

n Telcorp InternationalAffordable telecommunications rates and services. Call 1-866-796-1227 and identify yourself as an Alliance Member.

n TurboTax OnlineSave 15% on the #1 online tax preparation program. Visit www.AffordableServices.org and click on theTurboTax link.

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Personal Benefits

There is more to life than just

work, and when you are out of the

office the Alliance is still with

you. When you need help on the

road of life, you can count

on the Alliance to be there.

“The first time I decided

to use my Alliance benefits

was when I was going on

a trip. I needed to book

a rental car and a light

popped on in my head. ‘I

have rental benefits through

the Alliance.’ I used the

benefit, and the savings were wonderful.”

Regina H.

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PERSONAL BENEFITS

n Roadside AssistanceIncluded in the cost of your membership! You have access to emergency roadside service for you and your family members. Whether you have a flat tire, lock your keysin the car or need a tow, remember that help is just a phone call away, 24-hours-a-day.

You will receive a brochure in your Alliance Welcome Package detailing the services available. For more information or to add a spouse or dependent to this service, call 1-800-523-4582. For emergency roadside service, call 1-800-567-5015.

n ID Theft Restoration ServiceIdentity theft can have a devastating impact on victims. But if it ever happens to you,Identity Theft 911® knows exactly what to do to help you solve your problem. Youhave access to Identity Theft 911® at no additional cost to you. A personal advocatewill work with you from the first call you make to report the identity theft until thecrisis is resolved. Identity Theft 911® will notify the appropriate agencies and businesses of the problem, help you properly file all crucial reports, clear up fraudulent activities from your credit file, create a comprehensive case file for claims handling and law enforcement, and much more.

If you believe your identity has been compromised, call 1-888-249-9002 to be immediately referred to a fraud specialist from Identity Theft 911®.

n Legal Club of America® – Family PlanFree and discounted services on family law needs included in the cost of your membership, retail value of $144. Call 1-800-305-6816 to activate. Mention yourAlliance Membership.

n Alliance ConsumerClub RewardsGet rewarded just for being a member! When you join the Alliance you receive $250in Rewards Cash in your online account. An additional $50 will be deposited eachmonth you remain an active member. Use it for partial payment towards the lowestrates for hotels, magazines, DVD movies, movie tickets, software, American Airlines offers, restaurant offers and more!

For more information, visit www.AffordableServices.org and click on the ConsumerClub Rewards link in the Benefits Section.

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PERSONAL

BENEFITS

n ID Theft Restoration

n Legal Club Family Plan

n Alliance Scholarship Program

n Paintless Dent Repair


n Rental Car Savings

n Save on Real Estate Transactions

n Special Rates for Homeowners andAuto Insurance

n Hotel DiscountPrograms



PERSONAL BENEFITS

E N H A N C E Y O U R L I F E S T Y L E !YOUR ALLIANCE MEMBERSHIP ALSO GIVES YOU ACCESS TO THESE VALUABLE BENEFITS:Be sure to mention your Alliance Membership and promo codes when using your benefits.

n 1-800-FlowersSave 15% on flowers and gifts. Call 1-888-755-7474and reference account #130040531.

n Alliance Scholarship ProgramIn 2006, the Alliance Scholarship Program awarded$176,000 to 107 dependents of Alliance Members.

• Open to legal dependents of Alliance Members ages 16-28

• Both high school graduates and current college students may apply

• Renewal scholarships are available for up to threeconsecutive years. Renewal candidates must maintain a 3.5 GPA

• Deadline for both first-time and renewal applicants is June 15

To receive an application, contact Alliance MemberServices and request benefit #1422. Or you can download one from www.AffordableServices.org.

n Amusement Park DiscountsSave on amusement park tickets nationwide. Contact Alliance Member Services or order online at www.AffordableServices.org.

n Auto Coupon BookOver $1,000 in discounts on parts, tires, brakes,repairs, services and more. Contact Alliance MemberServices to order your coupon book for only $8 each.Request benefit #1961 or order online atwww.AffordableServices.org.

n Budget Rent-a-CarSave 5% to 20% off standard daily, weekly and weekend rates. Call 1-800-455-2848 and mentionpromo code BCD #V672903 or visit www.budget.com.

n Countrywide Home LoansReceive up to $500 off closing costs. Call 1-800-641-3694and mention your Alliance Membership. Subject tounderwriting guideline limits.

n Debt Review and ConsolidationSave 40% on creation of a repayment plan specificallydesigned for your situation. Call 1-877-332-8722 orvisit www.auriton.org. Mention your AllianceMembership to receive your discount.

n Dent Zone Paintless Dent RepairReceive one door ding repair at no additional charge toyou during the FIRST 120 DAYS of your ConsumerEdge Membership. Plus save up to 40% on additional door ding repairs. For information, call 1-877-336-8879or visit www.pdrlinx.com.

n Discount Movie Tickets*Save money on movie tickets from theaters nationwide. Contact Alliance Member Services ororder online at www.AffordableServices.org.

• AMC Theaters • Loews/Cineplex Theater$5.50 ticket $6.00 ticketbenefit #118 benefit #377

• Regal Entertainment$6.00 ticketbenefit #910

* Minimum of 10 tickets per theater plus $4.00 shipping.

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PERSONAL BENEFITS

“Thank you so much for awarding me the

scholarshipto help make it possible

to attend UNC Greensboro. I appreciate it so much

and will try my best to keep my grades up.”

Jarred J.

n EnterpriseSave up to 10% off the standard daily rates. Call 1-800-593-0505 and refer to the Alliance CorporateAccount #09A6281. Or visit www.enterprise.com.

n Golf Savings CertificatesDiscounts on green fees and/or golf accessories. Contact Alliance Member Services to order yourNational Golfers Network (NGN) directory for only$2.99, request benefit #1410. Or order online atwww.AffordableServices.org.

n Grocery Coupon Order BookSelect up to $1,000 in coupons for the name-brand products you use. Contact Alliance Member Servicesto order your coupon book for $4.95. Request benefit#1549. Or order online at www.AffordableServices.org.

n HertzSave up to 15% off daily, standard daily, weekly andweekend rates. Call 1-800-654-2200 or visitwww.hertz.com and mention ID #1217645.

n Homeowners and Auto InsuranceSpecial program rates from Travelers for AllianceMembers. Call 1-800-842-5936 and mention your

Alliance Membership or visit www.travelers.com/aas.

n Hotel Access CardSave up to 50% on hotels with your complimentary hotel directory and card. Contact Alliance MemberServices and request benefit #1147. Additional directories available for $6.95 each, request benefit#337. Or order online at www.AffordableServices.org.

n Hotel Discount ProgramSave an additional 10% off the “Best Available Rate” at participating locations throughout the world. To receive your discount, mention promocode 62042 at time of reservation.

• AmeriHost 1-800-996-2087• Days Inn 1-800-268-2195• Howard Johnson 1-800-769-0939• Knights Inn 1-800-682-1071• Ramada 1-800-462-8035• Super 8 Motels 1-800-889-9706• Travelodge 1-800-545-5545• Wingate Inns 1-877-202-8814

n Jones International University® (JIU®)Save 10% on tuition. Call 1-800-811-5663 or visitwww.jonesinternational.edu/aas. Identify yourself as an Alliance Member to receive your discount.

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PERSONAL BENEFITS

n Montrose TravelSave up to 30% on airfare and up to 50% on cruises. Call 1-888-359-7265 or visit www.alliance.membersonvacation.com.

n North American Van LinesSave at least 50% on your interstate move. Call 1-800-873-2673, ext. 155. Mention your Alliance Membership and promo code ALSV. Some restrictions may apply.

n PetCare Pet Insurance Programs10% off accident and illness coverage for cats and dogs. For a quote or to enroll, call 1-866-275-7387 or visit www.covermewithcare.com. Mention promocode BR 1039-287. May not be available in all states.

n PODSSave 10% on your initial delivery and on your firstmonth of storage. Call 1-866-846-0900 and mentionpromo code ALL3. Or visit www.pods.com/Alliance.Some restrictions may apply.

n Save on Real Estate TransactionsReceive a 20% rebate* on the selling or listing side of the real estate commission when you buy or sellproperty. Call 1-800-540-6251 and identify yourself as an Alliance Member.

* Rebates are subject to state law and changes occur regularly. Most states allow rebates. You must contact Member Benefit Services before contacting an agent. No rebate is available if you call an agent directly.

n TicketGuardianTM

Reimbursement program that pays you back for thecosts incurred when you receive a traffic citation.Contact Alliance Member Services and request benefit #2055. For only $10 plus a small registrationfee, you can receive $600 in ticket reimbursements.

n TributeDirectTM

Save up to 70% on funeral products, monuments,and planning services. Call 1-866-823-7774 and mention your Alliance Membership and account #833.

n Virtual Pro ShopSave 10% to 15% on golf equipment and apparel.Call 1-888-546-5713 and mention your AllianceMembership and ID #1006051. Or visitwww.linksworldwide.com/Alliance and use

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BE C A U S E HE A LT H MAT T E R S

Health Benefits

Whether it’s a medical emergency

or simply preventative health care,

your Alliance Benefits can help

you get the most for your

healthcare dollars. Access to

affordable health insurance

and numerous other health benefits

to give you peace of mind.

“I’m glad that we have the

$500 ER benefit for

fractures and dislocations. I

was rollerblading and took a

spill. I dislocated my right

shoulder and ended up in the

ER. The $500 is going to

come in handy. Thanks to the

Alliance, I do not have to worry

about my bills next week.”

John K.

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HEALTH BENEFITS

n Medical Discount Program*Reduce your healthcare costs with the CAREINGTON HealthWise Advantage Card. For only $25 per month, AllianceMembers can start saving on the following services:

• Physician Savings Program – Save 20% to 45%** on medical services, imaging services and much more at participatingprovider office visits through PHCS network. Program members saved an overall average of 40% in 2006.

• Chiropractic Care – 10% to 30% savings from over 28,000 providers

• Prescription Eyewear – Save 15% to 45% on eyeglasses, lenses, contacts, LASIK and more at over 40,000 eye-care professionals

• Alternative Medicine – Save 10% to 30% at over 12,000 practitioners

• Diabetic Care – Save 20% to 40% on diabetic monitoring supplies and medications

• Vitamins – 25% discount

• Hearing Services – Save 5% to 60% at over 1,600 providers

• Long Term Care – Save 5% to 30% at more than 3,300 providers

• Child and Elder Care – Unlimited access to telephone consultations with expert counselors

• Emergency Medical Information – provides a critical link to expediting medical information to healthcare professionals

• Wellness Program – Online, interactive health and wellness programs

For more information or to join, please contact Alliance Member Services. When you join the program, you will receive twoidentification cards and a detailed information booklet on how to maximize your health care savings. If you need any assistance with the services, please refer to the information booklet for the appropriate phone numbers.

** Percentage of savings may be higher or lower depending on procedure codes and provider location.

n Discount Dental Program*• Save 20% to 60% at over 62,000 providers nationwide on all dental procedures• Unlimited access to care with no limits on the number of visits• Orthodontics available for both children and adults• Administered by CAREINGTON International• Included in the cost of your membership

For more information on this program, contact CAREINGTON at 1-800-290-0523 and identify yourself as an AllianceMember. To locate a provider, visit www.careington.com/alsv.

Please note: You will receive dental program materials separate from your Alliance Welcome Package.

* THESE ARE DISCOUNT PROGRAMS AND NOT INSURANCE. You are responsible for paying all fees at the time of service. These plans are administered by CAREINGTON International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034. Not available in all states.



HEALTH BENEFITS

n Emergency Helicopter TransportationReimbursement up to $4,000 per occurrence per person for Emergency Medical Transportation by helicopter in accordance with local EMS protocols. Call 1-800-446-7142 for information or to file a claim. This service is included in the cost of your membership.

The above information is only meant to be a brief summary and is not a contract. Certain terms and conditions apply. Claims for Medically Necessary transports from one medical facility to another medical facility are subject to review by Lifeguard's Medical Officer.

n Association Rx CardThe Association Rx Card is accepted at over 42,000 pharmacies throughout the U.S. for both your name-brand and generic medications. Choose from two plans:

• Individual – $13.95 per month• Family – $23.95 per month

This program offers four tiers of savings:

• Tier I Preferred Generic Drugs – up to $10 payment • Tier II Preferred Brand Name Generic Drugs – up to $20 payment • Tier III Preferred Brand Name Generic Drugs – up to $50 payment • Tier IV Brand Name Drugs with Special Network Pricing

Visit www.AssociationRxCard.com for more details on tier drug pricing.

For more information or to sign up for the Association Rx Card, contact Alliance Member Services. Your Association Rx materials will be sent separate from your Alliance Welcome Package.

THIS IS A SAVINGS PROGRAM AND NOT INSURANCE. Fees due at time of service.

TOP

HEALTH

BENEFITS

n $5,000 Heart Attack Benefit


n Association Rx Cardn Discount

Dental Programn Emergency

HelicopterTransportation

n Emergency RoomBenefit (fracturesand dislocations)

n Hospital ConfinementCoverage

n Medical SavingsProgram

n Medical Travel Assistance

n Nurse Advice Hotline

25


HEALTH BENEFITS

n Benefits to Help You Reduce the Financial Impact of Unexpected Accidents or Sickness You can rest easier knowing you have protection included in the cost of your membership. These benefits are payabledirectly to you.

Insurance coverage underwritten by National Union Fire Insurance Company of Pittsburgh, PA, a member of the AIG Companies®. The Policy contains certainlimitations, reductions and exclusions. Please refer to the Policy for complete coverage details. For more information or to receive a claim form or copy of thepolicy, contact Alliance Member Services.

n Access to Affordable Health InsuranceAs the number one need for small-business owners and individuals without benefits, the Alliance provides access to healthand life insurance benefits through Mid-West National Life Insurance Company of Tennessee and The MEGA Life andHealth Insurance Company. These plans feature freedom of choice in doctors and hospitals, customized coverage to fityour needs and budget, a dedicated field force to explain the coverage face-to-face with members, and many plan options.

Your Licensed Insurance Agent can provide more details on the insurance coverage and help you tailor a plan that is right for you.

Association group plans, where available, require association membership. See your Policy/Certificate for complete details including theexclusions and limitations. Company market and plan availability varies by state. Administrative Office: North Richland Hills, TX.

Mid-West is licensed in all states except ME, NH, NY, VT. (Mid-West Policies MW-25906, MW-25907, MW-25939, and MW-SG528-4MA or your state variation) MEGA is licensed in all states except NY. (MEGA Policies 26025, and 26026 or your state variation)

Hospital Hospital Accidental Common Carrier Emergency Room HeartConfinement Confinement Death Accidental (fractures and Attack

Accident Illness or Dismemberment Death dislocations only)

Principal $200/day $200/day $10,000 $20,000 $500 $5,000MemberSpouse $100/day No coverage $5,000 $10,000 $500 $5,000

DependentChildren

Max Days/Year 180 days 10 days — — any ER visit once per lifetimeBenefit Begins 1st overnight stay 2nd overnight stay — — upon ER admission —

$50/day No coverage $2,500 $5,000 $500 No coverage

26


HEALTH BENEFITS

S T R E T C H Y O U R H E A LT H C A R E D O L L A R SYOUR ALLIANCE MEMBERSHIP GIVES YOU ACCESS TO THESE BENEFITS: Be sure to mention your Alliance Membership and promo codes when using your benefits.

n Direct LABSSave up to 70% off retail prices on high-quality, low-cost laboratory services. Call 1-800-908-0000 and mention promo code Alliance to register and prepay for services.

n EPIC Hearing Services Plan (HSP)EPIC HSP provides a new standard for hearing care atfixed, low prices. Access to this plan is included in thecost of your membership. To enroll call 1-888-249-9002.

n Health ConnectionSave 20% to 60% on fitness club memberships, self-help programs and alternative medicine solutionsfor only $24.95 per year. Call 1-800-634-2968 from 8:30 a.m. to 7:30 p.m. EST, Monday - Friday. Mentionyour Alliance Membership.

n Hospital Savings CardSave up to 25% and more at over 70% of the hospitals inthe U.S. To join for only $15 per month, contact AllianceMember Services. Hospital Savings Card materials willbe sent separately from your Alliance Welcome Package.

THIS IS A DISCOUNT PROGRAM AND NOTINSURANCE. You are responsible for paying all fees at the time of service. This plan is administered byCAREINGTON International Corporation, 7400 GaylordParkway, Frisco, TX 75034. Not available in all states.

n Ideal Health — Customized VitaminsEnjoy special discounts on in-home testing to determinespecific vitamins your body needs. Call 1-866-801-3457 for more information.

“My family uses the Discount Dental Program

administered by CAREINGTON. We are happy

with the savings we get and are

pleased with how large the network is.”

Richard R.

27


HEALTH BENEFITS

n Mail Service PharmacySave on 90-day supplies of your prescription medications. Call 1-877-348-0578 or visithttp://mymeds.advanceRx.com.

THIS IS A DISCOUNT PROGRAM AND NOTINSURANCE. You are responsible for paying all fees atthe time of service. Caremark, Inc., 7034 Alamo DownsParkway, San Antonio, TX 78238.

n Medical Travel AssistanceWhen traveling more than 100 miles from home, emergency help is never more than a phone call away.This benefit is available at no additional charge to you.Services include:

• Medical Consultation• Emergency Evacuation• Medically Supervised Repatriation• Prescription Assistance• Transportation to Join a Patient• And More

To access, call 1-888-965-9500 inside the U.S. or 1-817-416-4960 outside the U.S. and identify yourself asan Alliance Member. Limitations and exclusions apply. All arrangements must be made through Lifeguard’sTravel Assistance Center and pre-approved.

n Nurse Advice HotlineMedical information and advice from registered nurses isavailable 24-hours-a-day at no additional cost to you. Call1-866-364-1319 and mention your Alliance Membership.

n Vision Discount PlanSave up to 40% on glasses, lenses, contact lenses andLASIK PRK at participating providers nationwide likeLensCrafters, Sears, Target, JCPenney and some Pearle Vision Centers. To verify participation, call 1-866-723-0391, mention plan #9233024 and identify yourself as an Alliance Member.

THIS IS A DISCOUNT PROGRAM AND NOTINSURANCE. You are responsible for paying all fees at the time of service. EyeMed Vision Care, LLC, 4000 Luxottica Place, Mason, OH 45040.

n Vitacost.comSave up to 75% off retail prices on vitamins and supplements. Choose from over 300 brands and 6,000items in stock. Call 1-800-793-2601 and mention promo code WZ48BAS or visit www.vitacost.com.

This publication is intended for the exclusive use of members of the Alliance for Affordable Services. The benefits explained herein are offered at the sole discretion of the Alliance and may vary by availability, vendorand state of residence of the member. Vendors reserve the right to withdraw or change their offers without notice.The benefit descriptions have been taken from the benefit providers’ marketing materials and members shouldcarefully examine benefit information before choosing any benefit. The Alliance makes no affirmation of fact orpromise relating to the goods and services and specifically declaims any warranty, expressed or implied, as to themerchantability of the goods and services reflected. To be entitled to the Alliance benefits, you must be a member in good standing and dues must be in current status.

©2007 Alliance for Affordable Services

P.O. Box 612547 n Dallas, TX 75261-2547

www.AffordableServices.org

Member Services: 1-800-733-2242

Fax: 1-800-847-8889

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