Powered by Access Plans USA. Copyright © 2007 USA Healthcare Savings. All Rights Reserved. Not For Use In Florida. 1 Bringing the Nation Access to Affordable

Powered by Access Plans USA. Copyright © 2007 USA Healthcare Savings. All Rights Reserved. Not For Use In Florida.

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Bringing the Nation

Access to Affordable Health Care

OPPORTUNITY BRIEFING

STANDARD REV102507


Our Nation’s Health Care Dilemma

• Health care is a critical and growing issue for individuals and families across our nation

• Over 46 million in the U.S. are uninsured• 8.5% of people with incomes over $75,000 are uninsured• Less than 60% of U.S. population participates in employer-sponsored medical insurance

• How are we to help the increasing numbers of people who are:

• Uninsured• Underinsured• Uninsurable

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The Health Care Dilemma

• Medical costs are increasing faster than the average inflation rate

• Hospital bills in the thousands…$$$$• Doctor bills in the hundreds or thousands…$$$$• Children who need care and check-ups• Parents and grandparents who pass up care…just

because it costs too much

• Access to affordable health care is one of the most critical needs we face

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Baby Boomer Trend(Born between 1946 and 1964)

Time Line

1970

1976

2001

2010

BabyBoomer

Generation

64yr old

18 Year Trend

37 55

1986

$6,000

$5,000

$4,000

$3,000

$2,000

$1,000

1987 1991 1995 1999 2002

$5,415

Per Capita Healthcare Cost Growth

Source: Healthcare Financing Administration

$1,759


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USA Healthcare Savings Is Part of Access Plans USA, Inc.

• 10 years of service

to this industry• Nasdaq public company:

(trading symbol: AUSA)• Founding Member:

Consumer Health Alliance


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Strong Corporate Team• Ian Stuart – Interim President & CEO

– Joined the company in 2004. He has a strong financial management background. From 1991 to 2004, he was employed by Citigroup.

• Mike Owens – Chief Marketing Officer– Joined the company in 2002. For the past 8 years, he has served as

an officer of a number of insurance and marketing companies.

• Robert Bintliff – Chief Financial Officer– With Access Plans USA since August 2004. Previously, he held

executive management positions at several public and private companies. He has 30 years of experience as a CPA.

• Lee Ruiz – General Counsel– With Access Plans USA since December 2003. Previously, he

served as General Counsel and a senior executive at companies that provide online bill management services, managed care and corporate health services.


OUR SOLUTION

• USA Healthcare Savings has a solution that provides:

• Real savings

• Real access to health care

• Real patient advocacy

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State AvailabilityStates where ALL products are available NOW*

*Certain components of a program may not be available in states where the program as a whole is available.

OUR QUALITY PRODUCTS


OUR QUALITY Products*

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Total Care Plus*•Dental insurance •$2,000 Excess Accident Medical Benefit**•$2,000 Accidental Death & Dismemberment**•3-month membership continuation for involuntary unemployment•Patient Advocacy•24-Hr Nurse Hotline**•InstaCare Emergency Card

Discounts on:•Hospital, Physician and Ancillary Services•Alternative Care•Prescription Drugs•Dental, Vision & Hearing

$99.95/month

Total Care*•$2,000 Excess Accident Medical Benefit**•$2,000 Accidental Death & Dismemberment**•3-month membership continuation for involuntary unemployment•Patient Advocacy•24-Hr Nurse Hotline**•InstaCare Emergency Card

Discounts on:•Hospital, Physician and Ancillary Services•Alternative Care•Prescription Drugs•Dental, Vision & Hearing

$69.95/month

Essential Care*•24-Hr Nurse Hotline**•3-month membership continuation for involuntary unemployment

Discounts on:•Physicians•Ancillary Services•Alternative Care•Prescription Drugs•Dental•Vision •Hearing

$49.95/month

BasicMed**Patient Advocacy

Discounts on:•Hospitals and Physicians•Prescriptions

$39.95/month

*Programs not available in all states or may vary in some states. **Not available in some states.

Prescription Plus*Discounts on:•Prescription Drugs•Vision •Hearing

$9.95/month

Dental Plus*•24-Hr Nurse Hotline**

Discounts on:•Dental •Alternative Care•Prescription Drugs•Vision •Hearing

$19.95/month

ChoiceCard*•InstaCare Emergency Card•24-Hr Nurse Hotline**

Discounts on:•Long-term Care Services•Dental •Prescription Drugs•Vision & Hearing

$24.95/month

Total Care Series(Depending on State, program may be marketed under the Care Entrée brand name.)

Most Popular

Discount Medical Program


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Total Care Series State AvailabilityStates where Total Care Series products are available NOW*


In Yellow states, program is marketed under the Care Entrée brand name.


OUR QUALITY PRODUCTS*

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GOLD 1Discounts on:•Prescriptions•Diabetic Supplies•Durable Medical Equipment•24-Hr Nurse Hotline**

Financial Services:•Real Estate Rebate•401K Retirement Plan

Legal & Business:•Professional Business Advice

Travel & Entertainment:•Car & RV Rental

$9.95/month

GOLD 2Discounts on:•Dental•Vision •Hearing•Prescriptions•Diabetic Supplies•Durable Medical Equipment•24-Hr Nurse Hotline**




$19.95/month

GOLD 3

Discounts on:•Hospital•Physicians•Ancillary Services•Lab Services•Diagnostic Imaging•Podiatric & Pediatric•Chiropractic•Alternative Medicine•Dental•Vision •Hearing•Prescriptions•Diabetic Supplies•Durable Medical Equipment•24-Hr Nurse Hotline**




$69.95/month

Most Popular

*Programs not available in all states or may vary in some states. **Not available in some states.

Gold Series(medical discount and services programs)


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Gold Series State AvailabilityStates where Gold Series products are available NOW*




13*Programs not available in all states or may vary in some states.

(not a medical discount program)

Valuable insurance supplement feature for people who have health insurance—providing dental insurance,

vision insurance, disability income and MORE!

$59.00/month--Individual $79.00/month—Family


Health/Wellness Savings*

Consumer Savings*

Business Savings* Automatic InsuredBenefits*

•GymAmerica

•Vitamins & Nutritional Supplements

•Medical Info Card

•NHS Online Health Survey

•Discount Cybermall Shopping •Hotel Discounts (Quest)

•Car Rental Discounts

•Floral Discounts

•Magazine Discounts

•Global Long Distance

•Moving Discounts

•Office Supplies Discounts

•Customized Websites

•Internet Access

•Office Equipment Financing

•Payroll Processing

•File System by File Solutions

•Background Reports

•Dental Insurance - Up to $1,000/yr benefit per covered person

(immediate benefits)

•Accident Medical Insurance - Up to $5,000

(Not available in NY, OR, WA)

•Accidental Death & Dismemberment - Up to $10,000

(Not available in NY, OR, WA)

•Accidental Disability Income - $1,000/Month

(Not available in CT, OR, WA) •Critical Illness Coverage - $2,500

(Not available in OR, WA) •Vision Insurance - FREE annual exam per covered person at network provider

•Emergency Rescue Plan - Up to $4,000

(Not available in FL)

Individual Plan: $59 per mo. | Family Plan: $79 per mo. One-time enrollment fee (All Plans): $25


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AmeriValue Plan State AvailabilityStates where AmeriValue program is available NOW*




16*Programs not available in all states or may vary in some states.

NEW RX Program

USA Healthcare Savings

4-Tier Prescription Drug Program

(Rx discount program)

Cost and savings depend on the drug prescribed. To make the most of this plan, members should ask their physicians to prescribe medications in the first three

tiers (30-day supply):

•Tier 1 -- preferred brand and generic drugs --- $10 or less •Tier 2 -- preferred brand and generic drugs --- $20 or less •Tier 3 -- preferred brand and generic drugs --- $40 or less•Tier 4 -- non-preferred brand & generic drugs: ---Negotiated disct

$19.95/month Individual OR Family


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4-Tier Prescription State AvailabilityStates where 4-Tier program is available NOW*



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Doctors and Hospitals

Medical Networks(with negotiated lower fee schedules)

Insurance Companies

Members

Through the USA Healthcare Savings program, you can access the same medical networks as insurance companies use.


OUR QUALITY PRODUCTS

• Medical discounts• Wellness programs• Advocacy program

• USA Healthcare Savings is in our members' corner, to help them save money on health care

• Additional insured features available,* including:• $2,000 Accident Medical• $2,000 Accidental Death & Dismemberment• Dental Insurance

* Not all programs available in all states 19


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OUR PRODUCTSOUR PRODUCTShave never been better, more have never been better, more

needed needed or more importantor more important

to families in the U.S. than to families in the U.S. than RIGHT NOW!RIGHT NOW!

And that provides And that provides an EXCEPTIONAL OPPORTUNITY an EXCEPTIONAL OPPORTUNITY

for YOU!for YOU!


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1. Direct SalesYour Own Efforts – Traditional Sales

2. Business BuildingTeam Efforts – People Helping People Multiply your sales results*

3. Revenue SharingSharing in Pool of Revenue from Entire Company

Three Streams Of Income Part Time & Full Time Career Opportunities

*Your commission overrides are based on sales of memberships, not recruitment.


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1. DIRECT SALESNew Memberships – 1st Month Example

Membership100% of CV



YOUYOU

Example: Total Care Membership: 1st Month commission—100% of Commissionable Value

(CV = Commissionable Value)

$62.00 $62.00 $62.00


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New Memberships – 2nd and Subsequent Months Example

Membership20% of CV

Membership20% of CV

Membership20% of CV

YOUYOU

Example: Total Care Membership: 2nd and Subsequent Months commission—20% of Commissionable Value


$12.40 $12.40 $12.40


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New Memberships – 2nd and Subsequent Months Example

Example: Total Care Membership: 2nd and Subsequent Months commission—20% of Commissionable Value


Your Residual Income from memberships can grow, year after year.

10 memberships…….$ 120/month20 memberships…....$ 240/month50 memberships…....$ 620/month 100 memberships…..$1,200/month200 memberships…..$2,400/month500 memberships…..$6,000/month


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2. BUSINESS BUILDING7 Levels, PLUS Infinity Bonus Level

$12.40*

$2.48*

$2.48*

$2.48*

$2.48*

$2.48*

$2.48*

$2.48*

$3.72*

*Based on CV of $62.00


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You are Sue’s Enroller and Bill is Sue’s Placement Sponsor

Level-2SueSue

BillBill

YOUYOU

Level-1

4%4%4%4%

10%10%10%10%10%10%10%10%

You place Sue under Bill

Team Building

All commission percentages are based on sales of memberships, not recruitment.


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Building Your TeamAdditional Promotional Level Advancements

PROMOTION

CRITERIA

1st Line IMRs Minimum Members Total Downline in Each Line Members

District Manager

3 5 50

Area Manager

3 10 100

Division Manager

3 15 250

Regional Director 3 25 500

Senior Director 5 50 500

Nat. Sales Director 5 100 1,000

Sr. Nat. Sales Director 10 100 10,000


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3. Revenue Sharing Pools Qualified management levels share in bonus

pools

Regional Director

Senior Director

National Sales Director

Sr National Sales Director

Share in all Bonus Pools

Share in all Bonus Pools

Share in Bonus Pools 1 & 2

Share in Bonus Pools 1 & 2

1st bonus pool collects 1% of revenue in excess of a specified number of members.

2nd bonus pool collects 2% of revenue in excess of a specified number of members.

3rd bonus pool collects 2% of revenue in excess of a specified number of members.

Bonus pools are shared among all eligible participants according to their eligibility status.


Chairman’s Roundtable Benefits

* Earn a quarterly bonus equal to 1% of your downline’s revenues, THROUGH INFINITY (down to the level of another Chairman’s Roundtable Member), assuming that you remain an Active Senior Director or higher.

* Receive recognition in:– Company newsletters

– Company-sponsored functions

* Receive other special opportunities only available to Chairman’s Roundtable Members

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IMR Support Tools• Your New IMR Kit

• Welcome Letter• Mission Statement• How To Use This Kit• Member & Representative Recruiting DVDs• Brief Description of Products • How to Begin---Your 1st 30 Days• Recruiting IMRs• Using Our Website Tools• Compensation Program• Awards, Incentives and Recognition• Policies and Procedures• FAQs• Glossary• Forms and Tools

• Product Brochures• IMR Recruiting Brochure• Sample Member Guide

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IMR Support -- Training• Training Webcasts Weekly

• Tuesday & Thursdays, 8:00 p.m. Central

• Web conferencingTelephone connection

for those who do not

have Internet access

Toll Free Conference Call

>Dial in: 888.387.8686

>Conference ID: 9769183 31


IMR Award and Recognition Programs• Quick Start Incentive Program

•USA Healthcare Savings wants you to hit the ground running. To reward you for your quick success, we created the Quick Start Incentive Program. Upon reaching certain goals within a time frame, you will earn rewards!

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Time Frame Achievement REWARD

1st 30 Days * Sign up 5 new USA Healthcare memberships

AND

* Sponsor one new IMR

One pack each of promotional and product brochures, and a set of recruiting and training DVDs

USA Healthcare Logo golf shirt.

1st 60 Days * Sign up 7 new USA Healthcare memberships

AND

* Sponsor two new IMRs

A USA Healthcare deluxe padfolio

Two packages each of promotional and product brochures and a set of product and opportunity DVD CDs.


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Be a USA Healthcare Savings Independent

Marketing Representative (IMR) and Find Exceptional Opportunity!

• Independent---You set your own hours, your own

goals, your own income

• Marketing---You meet people, help with their

needs, bring them solutions

• Representative---You reflect an organization

committed to access to affordable health care


Your SUCCESS Path As An IMR

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--SELL Product

--RECRUIT IMRs

--TRAIN Your IMRs

--BUILD DEPTH & BREADTH in Your IMR Organization

You build your organization—and your income—by recruiting other representatives who sell memberships….this is what our program is all about. You don’t make money by simply recruiting others…you earn commissions and overrides only when you or your team actually sell our quality programs.


Your SUCCESS Path As An IMR

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JOIN JOIN TODAY!!!TODAY!!!


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Bringing the Nation Bringing the Nation Access to Affordable Health CareAccess to Affordable Health Care

Delivering Plans that Delivering Plans that Save the Consumer on Save the Consumer on

Reliable Health CareReliable Health Care

Providing You Providing You an Exceptional Opportunity for Growthan Exceptional Opportunity for Growth


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www.accessplansusa.com

Nasdaq: AUSA

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Powered by Access Plans USA. Copyright © 2007 USA Healthcare Savings. All Rights Reserved. Not For Use In Florida. 1 Bringing the Nation Access to Affordable