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This is your agreement as Cardholder with Sterling Value Added. It is effective on the date of acceptance of Cardholder’s application for enrollment in the Sterling Value Added Plan (“Plan”) and for a period of 12 months following this date for an annual membership plan or for thirty days for a monthly membership plan. This Plan is administered on behalf of Sterling Value Added by Best Benefits, Inc.

Sterling Value Added shall provide Cardholder with a listing of participating providers. Cardholder shall excuse Sterling Value Added from any liability for errors in such listings. Providers are subject to change without notice. Cardholder is responsible for choice of provider, verification that the provider is a current participant in the Plan and for payment for goods and services. No portion of any provider’s fee will be reimbursed or otherwise paid by Sterling Value Added. Cardholder is solely responsible for payment. Savings are based on the provider’s usual fees or on national or regional fees for the service or product. Actual savings will vary depending upon your location and the specific products or services purchased. Providers may offer certain products or services to the general public at prices lower than the Sterling Value Added price. In that event, members will always be charged the lower price. Sterling Value Added is a discount program and not insurance. Sterling Value Added discounts cannot be used in conjunction with any other network based program.

Although Sterling Value Added screens participating providers to ensure appropriate credentials and qualifications to provide goods and services, Sterling Value Added does not otherwise guarantee nor is responsible for the quality of such service or product purchased by Cardholder.

Payment of membership fee is made by the billing source authorized by you in accordance with the payment terms to which you agreed. Sterling Value Added reserves the right to increase or decrease the enrollment fee for each renewal membership term effective upon renewal of your membership. Membership is not transferable. Only you and your immediate family may use the membership. “Immediate family” means you, your spouse and children living at your home. Should a single member wish to add family members, call the customer service number shown on the membership I. D. Card.

Life and Health Guaranty Association. This contract is not an insurance policy and is not protected by any Life and Health Guaranty Association.

Complaint Procedure. Member may file a complaint regarding the availability of contracted discounts or services or other matters relating to the contractual obligations of the program. Complaints regarding quality of services or products will be addressed to Best Benefits, 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631.

Termination and Cancellation. You may terminate this agreement and your membership at any time by calling us at the toll free number on your membership card or you may notify us in writing at Member Services, 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631. Your cancellation will be effective promptly upon the receipt of your cancellation notice and you will no longer be billed for your membership.

Florida residents: This agreement and its interpretation and enforcement shall be governed and controlled by the laws of the State of Florida. Any dispute arising from or related to this agreement shall be resolved by a voluntary private arbitration conducted in accordance with the Rules of the American Arbitration Association in Leon County, Florida. This provision shall survive the termination of this agreement and its interpretation shall be subject to the Federal Arbitration Act.

South Dakota residents: If you cancel the program you are not obligated to make any further payments under the program, nor are you entitled to any benefits under the program for any period of time after the last month for which payment has been made.

Disclosure: This is NOT a health insurance policy. The plan provides discounts at certain health care providers of medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. This plan is administered by Best Benefits, Inc., (a discount medical plan organization) at 8420 W. Bryn Mawr, Suite 700, Chicago, IL 60631, 1-800-308-0374. You have the right to cancel this agreement within 30 days of the effective date for a full refund of fees paid.






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   2005