Moving Healthcare Forward

Disclosures

This plan is NOT insurance. This plan provides discounts at certain healthcare providers for medical services. This plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all healthcare services but will receive a discount from those healthcare providers who have contracted with the discount plan organization. This discount card program contains a 30 day cancellation period. FL, LA, MS, ND, OK, RI, SC, SD and TX Residents: Member shall receive a full refund of membership fees, excluding registration fee, if membership is cancelled within the first 30 days after the effective date. AR and TN Residents: A refund of all fees will be issued if membership is cancelled within the first 30 days. MD Residents: The membership fee and one-time registration fee (minus $5.00) will be refunded if cancelled within the first 30 days and upon return of the discount card. MA Residents: The plan is not insurance coverage and does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. Discount Medical Plan Organization: New Benefits, Ltd., Attn: Compliance Department, PO Box 671309, Dallas, TX 75367-1309, (800)800-7616. The range of discounts for medical or ancillary services provided under the plan will vary depending on the type of provider and medical or ancillary service received. The discount medical card program makes available, before purchase and upon request, a list of program providers, including the name, city, state and specialty of each program provider located in the cardholder’s service area.

This program not available in VT, WA, KS, UT

Renco Puts the Missing Pieces in your Healthcare Puzzle!

We’ll spend the next few minutes filling in each of the pieces and show you how you can save $ while improving your family’s healthcare.

A Nationwide Privately held Company Located In Oklahoma City, OK

Founded in 1999

Awarded Best Company in our

industry for Yukon OK 3 years in a row

A Rating with the BBB

•Owns and operates Renco Direct, Renco Rx Aid, and Oasis Spa

Who we are…

Ren Schuffman – CEO

Monty Barnett – President

Rachael Schuffman – Corporate Secretary

RENCO LEADERSHIPDorie Sosan – Corporate Manager

Patty McNutt – Rx ManagerDaniel Purifoy – IT Director

RENCO LEADERSHIP

OUR MISSION

Our mission is to be recognized as the premier national discount programs, moving healthcare forward for all Americans

• Cutting edge product development

• Imaginative design and customization

• Partnering with new and existing industry to solve

the healthcare crisis

HEALTHCARE TRENDS

1 in 4 Americans say healthcare is the top issue in the nation today

After catastrophic health coverage, disability and long term care, the following benefits are considered most important by Americans according to USA Today

+ PRESCRIPTION DRUGS+ ROUTINE MEDICAL TREATMENT+ VISION CARE+ DENTAL CARE+ MENTAL HEALTH

THESE BENEFITS ARE NOT INSURANCE

+ EASY TO USE

+ NO HEALTH RESTRICTIONS

+ USE IMMEDIATELY UPON RECEIPT OF CARD

+ NO LIMIT ON NUMBER OF VISITS

+ NO PAPERWORK

MedPlusMedical Health Advisor

Physician Visit/Hospital

Long Term/Elder Care

Nurse Hotline

Travel Assistance*

MEDICAL HEALTH ADVISOR

+ Navigate the healthcare and insurance systems

+ Find the best doctors, hospitals and other providers

+ Resolve insurance claims and billing issues

+ Save time and money on healthcare bills

+ Locate and research current treatments for a medical condition

+ Explain test, treatment and medications

+ Health Cost Estimator — a pre-service pricing decision support tool

PHYSICIAN VISIT/HOSPITAL

+ 10% to 40 % savings on physician visits at over 300,000 offices nationwide and 10% to 40% savings at thousands of hospitals and outpatient facilities.

+ Network includes family physicians and specialists (e.g. OB/GYNs, Pediatricians, Cardiologists, Dermatologists and Cosmetic Surgeons).

+ Discounts off usual charges for blood tests and all other lab testing

+ Discounts of 10% to 60%* off usual charges for MRI and CT procedures

Over 2,900 outpatient radiology facilities in all 50 statesHospital benefit not available in Maryland and VermontThis program is not available in VT, WA, KA, UT

LONG-TERM/ELDER CARE

+ Care Management Associates are available 24 hours a day, 7 days a week, to provide assistance with elder care concerns, answer long-term care questions and help locate local assistance.

+ Members can save 4% to 25% at 5,500 providers when seeking home health agencies or assisted living facilities.

+ Comprehensive website that offers features such as skill sheets, condition research, caregiver advice, two minute test, care giver tools, resource finder and member reports.

+ 3,500 nurses and social workers provide telephonic and in-home evaluations (for an additional discounted hourly or package fee).

*This program is not available in VT, WA, KA, UT

NURSE HOTLINE

+ Toll-free telephone access to experienced registered nurses, 24 hours a day, 365 days a year.

+ Answers to questions about prescription and over-the-counter medication usage and interaction.

+ Audio health information library with over 100 health-related topics in English and Spanish.

+ Services for non-English speaking callers and the hearing impaired.

TRAVEL ASSISTANCE

+ Emergency Evacuation/Repatriation

+ Family Visitation (Transport and Accommodations)

+ Minor Children Return/Escort

+ Vehicle Return up to $1,000

+ 24 Hour Information Service

+ Medical Monitoring

+ Guarantee of Medical Expenses

+ Language Assistance

+ International Medical Referral

+ Emergency Legal Assistance

+ Insurance Coordination

+ Mortal Remains Transport

+ Lost Document Service

+ Emergency Delivery of Prescription Items

+ Emergency Cash Transfer

+ And more

*Travel Assistance not available to CT, OR, FL and WA residents

DentalPlus

Alternative Medicine

Chiropractic

Consult A Doctor™

Medical Supplies

Pharmacy

Renco Rx Aid

Diabetic SuppliesDental Care

Hearing AidsVision Care

Vitamins

Pet Care

DENTAL CARE

+ Savings of 15% to 50%* on most dental services

+ Orthodontics, Periodontics & Endodontics

+ Over 92,500** participating Aetna dentists nationwide

+ No limit on the number of visits

*Actual costs and savings vary by provider, service and geographical area. ** According to the Aetna Enterprise Provider Database as of November 1, 2010.Dental Benefit is not available in VT, WA, KA, UT

ALTERNATIVE MEDICINE

+ 10% to 30% savings

+ Over 16,000 providers in the network

+ Network consists of acupuncturists, massage therapists, nutritional counselors, meditation, relaxation technique practitioners and several other modalities

+ No limits on the number of visits

Alternative medicine benefit not available in VT, WA, KA, UT

CHIROPRACTIC CARE

+ 30% to 50% savings on diagnostic services and treatments

+ Free initial consultation

+ Over 3,000 participating chiropractors nationwide

+ No limits on the number of visits

Chiropractic Benefit is not available in VT, WA, KA, UT

.

CONSULT A DOCTOR™

+ On-demand healthcare – wherever and whenever you need, as often as you need.

+ Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate. Never wait for a doctor again!

+ Our network of physicians is U.S.-based, licensed, board-certified, rigorously credentialed and experienced.

+ Access to a physician from anywhere via telephone or e-mail , 24 hours a day, 7 days a week

+ Prescriptions phoned into your local pharmacy for pickup.

Disclaimers: Consult A Doctor™ does not replace the primary care physician. Consult A Doctor™ is not insurance. Consult A Doctor™ does not prescribe controlled medications. Consult A Doctor™ will not prescribe medications for Oklahoma residents.

DIABETIC SUPPLIES

+ Many different product packages to choose from based on testing requirements. Product packages are designed for everyday testing.

+ Product packages are priced from $29.99/month to $169.99/month, which is 60% off the average competitors' retail prices.

+ Save an additional 15% off on any single order items including test strips, lancets, lancing device, and more.

+ Toll-free ordering, regular shipments and convenient home delivery on all diabetic supplies.

HEARING AIDS

Beltone Network+ Over 1,350 Beltone locations nationwide+ Save 15% on over 70 models of Beltone hearing

devices.+ Free hearing test.

Mail Order Service+Over 100 makes and models+Save 40% to 60% off National Average Retail Pricing+Free 45-day in-home trial period.+Low member prices on factory fresh batteries

Newport Audiology Centers+35% discount off hearing aid prices at over 2,000 locations+100% Service Satisfaction during the first 60 days

MEDICAL SUPPLIES

+ Save 20% to 50% and receive a $5 discount on orders of $100 or more

+ Toll-free and online ordering for convenient home delivery on a wide range of health and wellness products.

PHARMACY – RETAIL

+ Save 10% to 85% on short term, acute care medications such as antibiotics and pain killers.

+ Over 60,000 chain and independent pharmacies nationwide including: Wal-Mart, Rite-Aid, CVS, Walgreens, Kroger and many more.

+ For 2010– we processed more than 4 million prescriptions and saved members more than $70 million with an average savings of 37%.

+ Discount drug pricing tool – www.rxpricequotes.com

Pharmacy discounts are Not Insurance, and are Not Intended as a Substitute for Insurance. The discount is only available at participating pharmacies.

PHARMACY – MAIL ORDER

+ Guaranteed lowest pricing on maintenance medications.

+ Prices average 10% below AARP.

+ Minimum of $5 off best local retail price quote – brand or generic over $10.00 Guaranteed!*

+ Open Formulary (includes new and experimental drugs).

+ Outstanding quality control.

+ Home delivery with no postage or dispensing fees.

+ Toll-free number for price quotes and ordering.*The $5.00 guaranteed savings cannot be used in conjunction with other discount or insurance cards. *Pharmacy discounts are not insurance and are not intended as a substitute for insurance.

PHARMACY – $20 Rx

The $20 Name Brand Program

If you income qualify you can receive your expensive name brand prescriptions for just $20 each per month. NO MONTHLY PROGRAM COST

$7,480 $44,100 $36,620 $29,140 $21,660 Viagra

$7,480 $44,100 $36,620 $29,140 $21,660 Chantix

$11,220 $66,150 $54,930 $43,710 $32,490 Prozac

$11,220 $66,150 $54,930 $43,710 $32,490 Prevacid

$11,220 $66,150 $54,930 $43,710 $32,490 Cymbalta

$11,220 $66,150 $54,930 $43,710 $32,490 Cialis

$11,220 $66,150 $54,930 $43,710 $32,490 Actos

$14,960 $88,200 $73,240 $58,280 $43,320 Nasonex

$14,960 $88,200 $73,240 $58,280 $43,320 Clarinex Reditabs

Per Dependant Household of 4Household of 3Household of 2Household of 1 Examples of Medication

Over 4000 dosages and prescriptions are available. Member must meet all income and program qualifying requirements.

VISION

+ 20% to 60% savings on eyewear.

+ Over 12,000 participating Coast to Coast Vision™ locations nationwide.

+ Most frames, lenses and specialty items are available.

+ 10% to 30% savings on eye exams.

+ No limit on the number of times membership may be used during the year.

+ Accepted by LensCrafters, JCPenney, EyeMasters, Pearle Vision, Sears, Sterling Optical and Target.

Vision Benefit is not available in VT, WA, KA, UT

VISION (OPHTHALMOLOGY)

+ 10% to 30% savings on eye exams.

+ Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).

+ Nationwide network of Laser Surgery Centers and independent ophthalmologists.

+ PRK and LASIK

VISION (MAIL ORDER CONTACTS)

+ Convenient toll-free ordering

+ 10% to 40% savings on mail order replacement contacts.

+ Most major brands of soft & gas permeable lenses are available including:

DisposableAcuvueDurasoftEncoreFreshlookBiomedicSoflensOptima

Gas PermeableBostonFluoropermFocus

VITAMINS

+ Toll-free and online shopping. Choose from brand names you know and trust such as Country Life, Natures Way, Twinlab and Enzymatic Therapy.

+ Up to 80% savings on the retail price of over 12,000 products.

+ Timely, convenient home delivery of vitamins, supplements and a wide variety of natural health products.

+ All purchases include a 30-day unconditional money-back guarantee.

PET CARE SAVINGS

+ Save 25% on most procedures with each visit to a network veterinarian.

+ Save 10% to 35% at participating providers on pet services such as boarding, doggie day care, training, pet sitting and grooming.

+ Save 10% to 35% at participating merchants on pet supplies such as food, beds, toys, treats and vitamins.

+ Free pet ID tag and 24 hour location service for lost pets.

+ Savings for most animals regardless of age or health.

LIFESTYLE BENEFITSLegal Services

Roadside Assistance

Dining Discounts

Recreation Discounts

Golf Savings

Hotel Savings

Movie Tickets

DINING DISCOUNTS

+ Members of the Dining Program are entitled to savings of up to 50% at dining establishments ranging from casual family eateries to fast food establishments.

+ The Dining Program is the more affordable way to dine at favorite restaurants.

+ Members search online for participating restaurants and follow the instructions or print out a coupon.

+ Dining discount members save at places such as Papa Johns, Cold Stone Creamery, Hickory Farms, Tony Roma’s, Carvel, Wawa, Planet Hollywood, Cici’s Pizza and Mrs. Fields.

GOLF SAVINGS

+ Members save up to 50% on greens fees at courses throughout the U.S., such as Hilton Head, Myrtle Beach, Pine Hurst and Palm Springs, and many international countries including Canada, the Republic of Ireland and Scotland.

+ Members may also receive savings at driving ranges, as well as on golf lessons, stay-and-play packages, and golf vacation packages.

HOTEL SAVINGS

+ Members save up to 50% off standard rack rates at thousands of properties both nationally and internationally.

+ Participating national chains include Amerihost, Comfort Inn and Suites, Howard Johnson and Best Western.

LEGAL CARE DIRECT

+ Nine free services which include:Unlimited initial phone consultations for new legal mattersInitial one-on-one consultations for new legal mattersDocument review (6 pages or less)Letters written on the member’s behalf Phone calls made on member’s behalfAssistance with governmental programsAssistance with small claims court representationFree simple will with free annual updatesFree living will

+ Eight commonly used legal services deeply discounted, such as traffic ticket defense, name change, simple divorce, simple trust and more.

+ Plan attorneys will either charge $125.00 per hour, or 40% off their usual and customary hourly rate, whichever is greater.

RECREATION DISCOUNTS

+ Members enjoy up to 50% savings at a wide variety of activities, including family amusement, bowling facilities, laser tag, white-water rafting, museums, arcades, sporting events, cultural events, high adventure trips, and much more.

+ Members receive savings at premier destinations like Orlando, Chicago, San Diego and many more.

+ Preferred rates are also available to members at businesses providing recreational activities and adventures internationally.

MOVIE TICKETS

MOVIE TICKET DISCOUNTSMembers will save up to 40% on movie tickets from major movie chains

throughout the U.S. Tickets do not have an expiration date and are accepted at any of the theaters operated by the company issuing the discount ticket. Members may call toll-free to receive instructions on how to obtain their discounted tickets.

Participating Movie Chains Include:United Artists Regal Cinemas Cinemark USA AMC IMAX And many more...

RECREATION DISCOUNTS

+ Members enjoy up to 50% savings at a wide variety of activities, including family amusement, bowling facilities, laser tag, white-water rafting, museums, arcades, sporting events, cultural events, high adventure trips, and much more.

+ Members receive savings at premier destinations like Orlando, Chicago, San Diego and many more.

+ Preferred rates are also available to members at businesses providing recreational activities and adventures internationally.

ROADSIDE ASSISTANCE

+ Available 24 hours a day, 365 days a year

+ Up to 15 miles towing (up to $80 retail value) per occurrence maximum for covered charges

+ Covers Member, spouse and dependent children up to age 21 permanently residing at registered address when driving any vehicles they own or lease (12 months or longer)

+ Towing Assistance

+ Flat Tire Assistance

+ Fuel, Oil, Fluid and Water Delivery Service

+ Lock-out Assistance

+ Battery Assistance

+ Collision Assistance

EVERYONE BENEFITS!

Member Demographics– All Age Groups– Seniors– Travelers– The Insured With High Deductible Plans– The Non-insured

MEMBERSHIP FULFILLMENT

• Full color laminated card - Every member receives 2 cards

• Kits include: "Welcome letter", "How to use" benefit information, and Personalized Provider Listings for each member’s zip code.

WHAT MEMBERS SAY…“I was prescribed Clomiphene Citrate, which isn't covered by my insurance. I went to my local CVS pharmacist, who told me the retail price would be $162.00. I did a search online with my discount card and found a pharmacy two doors down selling it for $72.00.” — Raul L. from FL “I wanted to take a moment to say thanks for your discount medical program. It is beyond my best expectations. I used it today and I have to tell you it was everything you said it was and more. I had a tooth infection, I called TelaDoc and in less than 5 minutes a doctor called, in 1 hour I picked up a script. UNREAL. I’ll tell everyone I know how awesome this program is.” — Greg J. from CA “The cheapest I could find my insulin was $64.00. In using your program I have managed to get four vials and it only cost me $11.64. I’m on Medicare Part A and Part B, but it’s not being paid for yet. I want to thank you for doing this for me.” — Dawn W. from IL “I love TelaDoc! I used it when I had poison ivy. I was only sorry I hadn’t used it days earlier. It was easy, quick and very convenient. I called TelaDoc at 7:30 p.m. and had my prescription ready at CVS at 9:00 p.m. Then, I used my discount card for my prescription for steroids and they were half price.” — Celeste C. from TX

How Much…

Who is Eligible…

Any other Legal Dependents

You and your Spouse or Significant Other

Any Children under age 26

• You will be activated on the first day of the month (unless other arrangements are made, you will receive a member packet and I.D. cards at that time or within a few days.

• Read through the packet thoroughly and follow the instructions on making appointments.

• Call the appropriate customer service number to confirm your doctor and make sure you have your I.D. card on your first visit.

• Be prepared to pay at the time of service.