The Healthcare Alternative and the opportunity of your life…… THIS IS NOT INSURANCE AND IS NOT INTENDED TO REPLACE ANY INSURANCE

The Healthcare AlternativeThe Healthcare Alternativeand the opportunity of your life……and the opportunity of your life……

THIS IS NOT INSURANCE AND IS NOT INTENDED TO REPLACE ANY INSURANCE

Premium Premium MedicalMedical Service Service CardCard

Why is PMSC an alternative in the U.S.?Why is PMSC an alternative in the U.S.? Over 60 million people live without health care benefits Over 60 million people live without health care benefits

at this time in the U.S. (according to the 2007 census ).at this time in the U.S. (according to the 2007 census ). Over 20 million Non-residents in the U.S. are without Over 20 million Non-residents in the U.S. are without

healthcare benefits.healthcare benefits. Thousands of people loose their jobs and benefits every Thousands of people loose their jobs and benefits every

month. Others drop their insurance coverage due to the month. Others drop their insurance coverage due to the rising costs of monthly premiums.rising costs of monthly premiums.

Hundreds of thousands of people are declined for health Hundreds of thousands of people are declined for health insurance coverage due to pre-existing conditions.insurance coverage due to pre-existing conditions.


Our Company was incorporated in San Juan, Puerto Rico in Our Company was incorporated in San Juan, Puerto Rico in September 2006.September 2006.

Our Central and Service offices are located in Carolina, P.R.Our Central and Service offices are located in Carolina, P.R. Our U.S. Marketing Offices are located in Orlando Florida.Our U.S. Marketing Offices are located in Orlando Florida. PMSC has over 700 active representatives in PR & EU.PMSC has over 700 active representatives in PR & EU. We have been the fastest growing health care benefits We have been the fastest growing health care benefits

company in Puerto Rico over the past 2 years. company in Puerto Rico over the past 2 years.

THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCE.INSURANCE.


Meet New BenefitsMeet New Benefits New Benefits has been servicing customized discount and insurance health New Benefits has been servicing customized discount and insurance health

benefit programs since 1990.benefit programs since 1990.

With over 3,000 groups and 11 million members, they are known for their With over 3,000 groups and 11 million members, they are known for their stability and fully integrated, single source solution for medical and lifestyle stability and fully integrated, single source solution for medical and lifestyle benefits.benefits.

Their flexibility, variable data print on-demand membership kits, full-spectrum Their flexibility, variable data print on-demand membership kits, full-spectrum administration, compliance expertise and responsive culture distinguish them administration, compliance expertise and responsive culture distinguish them in the industry.in the industry.

THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCE.INSURANCE.


PHYSICIAN & HOSPITAL with MEDICAL HEALTH ADVISOR

With the Physician program, members and their families can save 10% to 40% at participating family physicians and specialists throughout the United States. Members have national access to over 300,000 provider locations and thousands of Hospitals. Benefits also include Imaging, Lab and Diagnostics, Medical Supplies, and Emergency facilities.

All potential providers are rigorously screened, and must pass strict criteria and standards of excellence prior to joining the network. Since there are no age or health restrictions, anyone can receive savings with the physician Visit/Hospital Referral Network. A Medical Health Advisor helps members navigate more easily through the complexities of the healthcare and insurance systems. Members can call a toll-free number and talk to their own Personal Health Advocate who will work with them to resolve any issues or problems that they encounter.

THIS IS NOT INSURANCE AND IS NOT INTENDED TO REPLACE ANY INSURANCE.


Our services also provide alternative medicine to our Our services also provide alternative medicine to our members:members:

The integration of alternative medicine into conventional western medicine is quickly The integration of alternative medicine into conventional western medicine is quickly revolutionizing the landscape of the American healthcare system. revolutionizing the landscape of the American healthcare system.

Patients and providers are increasingly using alternative methods of care that do not rely on Patients and providers are increasingly using alternative methods of care that do not rely on invasive procedures or long term use of pharmaceuticals. invasive procedures or long term use of pharmaceuticals.

The Alternative Medicine Network is one of the nation's leading providers of integrative The Alternative Medicine Network is one of the nation's leading providers of integrative medicine. Our national network of over 16,000 practitioners provides care to millions of medicine. Our national network of over 16,000 practitioners provides care to millions of members all across the country. members all across the country.

10% to 30% savings on all treatments and services 10% to 30% savings on all treatments and services

Over 35 different practitioner disciplines. Services include Acupuncture, Nutritional Counseling, Over 35 different practitioner disciplines. Services include Acupuncture, Nutritional Counseling, Massage Therapy, and Holistic Medicine as well as popular Exercise and Movement specialties Massage Therapy, and Holistic Medicine as well as popular Exercise and Movement specialties including Yoga, Tai Chi, Pilates and more . including Yoga, Tai Chi, Pilates and more .

No limits on the number of visits No limits on the number of visits

THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCETHIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCE


CHIROPRACTIC CHIROPRACTIC

Members save 30% to 50% at over 3,000 participating Doctors Members save 30% to 50% at over 3,000 participating Doctors of Chiropractic nationwideof Chiropractic nationwide. .

Free initial consultation 50% savings on diagnostic services 50% savings on x-rays Free initial consultation 50% savings on diagnostic services 50% savings on x-rays performed on-site (if necessary) 30% savings on treatment and other services performed on-site (if necessary) 30% savings on treatment and other services Unlimited access to care with no limits on the number of visits Over 3,000 providers Unlimited access to care with no limits on the number of visits Over 3,000 providers nationwide Each chiropractor’s license and insurance are carefully verified before nationwide Each chiropractor’s license and insurance are carefully verified before being accepted in the network Items such as vitamins and durable goods are priced being accepted in the network Items such as vitamins and durable goods are priced at the doctor’s discretion.at the doctor’s discretion.

Chiropractic is not available to VT residents. Chiropractic is not available to VT residents.

THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCEINSURANCE


DIABETIC SUPPLIESDIABETIC SUPPLIES

Through the VIP Health & Wellness program, members save dramatically over the Through the VIP Health & Wellness program, members save dramatically over the retail price of their diabetic supplies. Plans include a premier Glucose Meter, control retail price of their diabetic supplies. Plans include a premier Glucose Meter, control solution, test strips, lancets and lancing device. Supplies are shipped regularly at no solution, test strips, lancets and lancing device. Supplies are shipped regularly at no additional cost. additional cost.

Many different plans to choose from based on testing requirements. Plans are Many different plans to choose from based on testing requirements. Plans are designed for everyday testing. Plans are priced from $29.99/month to designed for everyday testing. Plans are priced from $29.99/month to $169.99/month, which is 60% off the average competitors’ retail prices. Save an $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 additional 15% off on any single order items including test strips, lancets, lancing device, and more. Toll-free ordering, regular shipments and convenient home device, and more. Toll-free ordering, regular shipments and convenient home delivery on all diabetic supplies. Free shipping on supplies when plan option is delivery on all diabetic supplies. Free shipping on supplies when plan option is selectedselected. .



Products Retail Cost Member Cost Percent Savings HDI IQ-1 box $70.68 $0.00 100%Test Strips-6 boxes $252.00 $95.83 62%Control Solution $13.65 $9.28 32%Lancing Device $19.80 $8.92 55%Lancets-3 boxes $31.08 $22.90 26%Alcohol Pads-3 boxes $14.94 $12.62 16%Total $402.15 $149.55 63%

THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCE


DENTAL CAREDENTAL CARE

Members save 15% to 50%* on everything from general Members save 15% to 50%* on everything from general dentistry and cleanings to root canals, crowns and dentistry and cleanings to root canals, crowns and orthodontia. orthodontia.

Over 71,000 ** dental practice locations. Save on routine dental services such as x-rays Over 71,000 ** dental practice locations. Save on routine dental services such as x-rays and fillings. Save on specialty care such as orthodontics and periodontics where and fillings. Save on specialty care such as orthodontics and periodontics where available. Dentists are credentialed and recredentialed on an ongoing basis. Before available. Dentists are credentialed and recredentialed on an ongoing basis. Before scheduling an appointment, the member will call the number on the back of their card to scheduling an appointment, the member will call the number on the back of their card to speak with a Patient Advocacy representative. The representative will contact providers speak with a Patient Advocacy representative. The representative will contact providers in the network to ensure the dental office understands the Dental Care discount card and in the network to ensure the dental office understands the Dental Care discount card and is accepting new patients. is accepting new patients.

The representative will then contact the member to provide several different dental care The representative will then contact the member to provide several different dental care locations so the member may select the provider that most meets their specific needs locations so the member may select the provider that most meets their specific needs and book an appointment. Dental benefit is not available to VT residents. *Actual costs and book an appointment. Dental benefit is not available to VT residents. *Actual costs and savings vary by provider and geographical area. ** According to the Aetna and savings vary by provider and geographical area. ** According to the Aetna Enterprise Provider Database as of November 1, 2006.Enterprise Provider Database as of November 1, 2006.



HEARING AIDSHEARING AIDS

Enjoy access to a variety of hearing programs providing hearing aid Enjoy access to a variety of hearing programs providing hearing aid discounts of 15% to 58% in retail locations nationwide and discounts discounts of 15% to 58% in retail locations nationwide and discounts

of 40% to 60% through the mail order programof 40% to 60% through the mail order program..

Members may select from 1,350 Beltone locations nationwide to receive a free hearing Members may select from 1,350 Beltone locations nationwide to receive a free hearing

screening and 15% off over 70 models of Beltone Hearing Aids. All technologies and models screening and 15% off over 70 models of Beltone Hearing Aids. All technologies and models are available including state of the art digital hearing aids, along with Completely-In-the-are available including state of the art digital hearing aids, along with Completely-In-the-Canal, In-the Ear and Behind-the-Ear models. BelCare™ standardized 12 point customer Canal, In-the Ear and Behind-the-Ear models. BelCare™ standardized 12 point customer service program ensures consistent delivery of professional and comfortable service, service program ensures consistent delivery of professional and comfortable service, regardless of location.regardless of location.

Free hearing screening Belcare™ and Lifetime Care™ program 2,050 provider locations across the U.S., made up Free hearing screening Belcare™ and Lifetime Care™ program 2,050 provider locations across the U.S., made up of a cross section of audiologists, hearing specialists and professionals Your hearing aids can be cleaned, of a cross section of audiologists, hearing specialists and professionals Your hearing aids can be cleaned, inspected and adjusted at any participating provider office across the country Save 15% to 58% on all digital inspected and adjusted at any participating provider office across the country Save 15% to 58% on all digital hearing aids at locations nationwide Two-year warranty on all included products and a 45-day trial period.hearing aids at locations nationwide Two-year warranty on all included products and a 45-day trial period.

THIS IS NOT INSURANCEAND IS NOT INTENTED TO REPLACE ANY INSURANCETHIS IS NOT INSURANCEAND IS NOT INTENTED TO REPLACE ANY INSURANCE


MEDICAL EQUIPMENT SUPPLIESMEDICAL EQUIPMENT SUPPLIES Medical Supplies Service has been designed to offer members a Medical Supplies Service has been designed to offer members a

convenient solution for ordering medical supplies and equipment. convenient solution for ordering medical supplies and equipment. Through Medical Supplies Service, members will save $5 on orders of Through Medical Supplies Service, members will save $5 on orders of $100 or more retail price on Walkers, Power Mobility Scooters, Hospital $100 or more retail price on Walkers, Power Mobility Scooters, Hospital Beds, Blood Pressure Devices, and much more. Simply order online or Beds, Blood Pressure Devices, and much more. Simply order online or call the toll-free number to speak with a Medical Supplies call the toll-free number to speak with a Medical Supplies representative. representative.

Ambulatory Aids Walkers, Canes, Crutches BAmbulatory Aids Walkers, Canes, Crutches Bathroom Safetyathroom Safety : Shower Chairs, Transfer Benches, Commodes, : Shower Chairs, Transfer Benches, Commodes, Raised Toilet Seats, Safety Bars Raised Toilet Seats, Safety Bars Wheelchairs and Scooters Wheelchairs and Scooters Wheelchair Accessories, Power Mobility Scooters Wheelchair Accessories, Power Mobility Scooters Hospital Beds & AccessoriesHospital Beds & Accessories Electric Beds, Slings, Trapezes Electric Beds, Slings, Trapezes Cushioning & Pressure ReliefCushioning & Pressure Relief Pads, Cushions, Lumbar Pads, Cushions, Lumbar Supports Supports Orthopedic ProductsOrthopedic Products Knee Braces, Arm Slings, Back Supports, Carpal Tunnel Supports. Knee Braces, Arm Slings, Back Supports, Carpal Tunnel Supports.



MEDICAL TRAVEL ASSISTMEDICAL TRAVEL ASSIST Members have access to a global network of practicing physicians, travel Members have access to a global network of practicing physicians, travel

assistance personnel and emergency evacuation benefits when traveling 100 assistance personnel and emergency evacuation benefits when traveling 100 miles from home and suffering a serious injury or illness. Knowing help is miles from home and suffering a serious injury or illness. Knowing help is merely a phone call away provides members with peace of mind. Some of merely a phone call away provides members with peace of mind. Some of these services include: these services include:

Emergency medical evacuation Emergency medical evacuation Repatriation of mortal remains Repatriation of mortal remains Transportation to join a hospitalized family memberTransportation to join a hospitalized family member Return of dependent childrenReturn of dependent children Pre-travel information .Pre-travel information . Monitoring of treatment worldwide Medical and dental referralsMonitoring of treatment worldwide Medical and dental referrals Facilitation of hospital payment Facilitation of hospital payment Transfer of insurance information to medical providers Transfer of insurance information to medical providers Replacement of lost or stolen travel documents Replacement of lost or stolen travel documents Legal referrals Medication, vaccine and blood transfers Legal referrals Medication, vaccine and blood transfers Transfer of funds Transfer of funds Translation services Real-time security intelligence Translation services Real-time security intelligence A complete list of services, exclusions and limitations is available to all members. A complete list of services, exclusions and limitations is available to all members.

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



RETAIL PHARMACYRETAIL PHARMACY

The neighborhood pharmacy program assures members the lowest The neighborhood pharmacy program assures members the lowest price on prescription drugs, saving 10% to 60% on most price on prescription drugs, saving 10% to 60% on most prescriptions. It's simple to use. The member simply presents the prescriptions. It's simple to use. The member simply presents the membership card to the pharmacist with the prescription. The membership card to the pharmacist with the prescription. The pharmacist calculates the discount and the member pays the pharmacist calculates the discount and the member pays the discounted price. No other forms required.discounted price. No other forms required.

10% to 60% savings on most medications. Over 56,000 national and regional pharmacy 10% to 60% savings on most medications. Over 56,000 national and regional pharmacy chains participate as well as independent pharmacies. No pharmacy program is chains participate as well as independent pharmacies. No pharmacy program is complete unless it includes both retail locations where members may fill acute care complete unless it includes both retail locations where members may fill acute care medications and a mail order program so members may optimize their savings by medications and a mail order program so members may optimize their savings by purchasing maintenance prescriptions in 90 day supplies to treat ongoing ailments. Do purchasing maintenance prescriptions in 90 day supplies to treat ongoing ailments. Do not call the pharmacy for price quotes. Prices may change from day to day and they not call the pharmacy for price quotes. Prices may change from day to day and they cannot be given over the telephone. Visit www.rxpricequotes.com to look up drug cannot be given over the telephone. Visit www.rxpricequotes.com to look up drug prices by location. prices by location.

*Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for *Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance.Insurance.


Actual Brand Name Strength/Qty Avg Retail Price Discounted Price Percent Savings

Hydrocodone-APAP 5-500mg/40qty $17.52 $11.01 37%

Hydrochlorothiazide (HCTZ) 25mg/30qty $8.51 $6.53 23%

Amoxicillin 500mg/21 qty $14.00 $10.24 27%

Metformin HCL 500mg/60 qty $23.76 $13.32 44%

Azithromycn 250mg/6 qty $48.45 $30.36 37%

Alprazolam 0.5mg/60 qty $19.78 $11.49 42%

Sulfamethozazole-Trimethprim (SMZ-TMP) 800-160mg/20 qty $14.08 $11.72 17%

Propoxyphene Napsylate-APAP 100-650mg/45 qty $23.31 $14.15 39%

Carisoprodol 350mg/60 qty $37.80 $17.96 52%

Lisinopril 20mg/30 qty $17.18 $11.49 33%

*Pharmacy Discounts are Not Insurance and are Not Intended as a Substitute for Insurance


PETCAREPETCARE

The Pet Care Savings Program is designed to save members money on everything The Pet Care Savings Program is designed to save members money on everything for their special family member - their pet! All the pets in the household can take for their special family member - their pet! All the pets in the household can take advantage of this program. advantage of this program.

The Pet Care Savings Program is not insurance. With the Pet Care Savings The Pet Care Savings Program is not insurance. With the Pet Care Savings Program there is a 25% discount at network veterinarians on most procedures, Program there is a 25% discount at network veterinarians on most procedures, plus savings of 10% to 30% on pet products and services at participating plus savings of 10% to 30% on pet products and services at participating merchants. The Pet Care Savings Program also includes a free pet ID tag and merchants. The Pet Care Savings Program also includes a free pet ID tag and confidential 24-hour pet location service in the event of a lost pet.confidential 24-hour pet location service in the event of a lost pet.

Save 25% on most in office medical care with each visit to a network veterinarian Save 10% to 30% Save 25% on most in office medical care with each visit to a network veterinarian Save 10% to 30% at participating providers on pet services such as boarding, doggie day care, training, pet sitting and at participating providers on pet services such as boarding, doggie day care, training, pet sitting and grooming Save 10% to 30% at participating merchants on pet supplies such as food, beds, toys, treats grooming Save 10% to 30% at participating merchants on pet supplies such as food, beds, toys, treats and vitamins Free pet ID tag(s) and 24-hour location service for lost pets Available for use with all and vitamins Free pet ID tag(s) and 24-hour location service for lost pets Available for use with all animals, from companion animals such as dogs and cats to exotic animals such as birds and reptiles.animals, from companion animals such as dogs and cats to exotic animals such as birds and reptiles.

THIS IS NOT INSURANCE AND IS NOT INTENDED TO REPLACE ANY THIS IS NOT INSURANCE AND IS NOT INTENDED TO REPLACE ANY INSURANCEINSURANCE


VISIONVISION Coast to Coast (CTC) Vision has contracted with over 12,000 eye care Coast to Coast (CTC) Vision has contracted with over 12,000 eye care

locations nationwide. Members save on eyeglasses, contacts, eye exams and locations nationwide. Members save on eyeglasses, contacts, eye exams and surgical procedures. The CTC provider network is the most comprehensive surgical procedures. The CTC provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as Pearle Vision, JCPenney centers and national chain locations such as Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, Lens Crafters, and Eye Masters.Optical, Sears Optical, Target Optical, Lens Crafters, and Eye Masters.

Savings of 20% to 60% on prescription eyewear Also, save 10% to 20% on contact Savings of 20% to 60% on prescription eyewear Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations. Savings of 10% to 30% lenses (excluding disposables) at participating retail locations. Savings of 10% to 30% on eye exams Save 40% to 50% off the overall national average on LASIK surgery (PRK on eye exams Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK and CK available at select locations) Most frames, lenses and specialty items such as tints, available at select locations) Most frames, lenses and specialty items such as tints, coatings and UV protection are available No limit on the number of times membership coatings and UV protection are available No limit on the number of times membership may be used during the year Two guarantees - 30 day unconditional money-back may be used during the year Two guarantees - 30 day unconditional money-back satisfaction guarantee and low satisfaction guarantee and low price guarantee on eyeglasses Members may nominate their own eye care professional price guarantee on eyeglasses Members may nominate their own eye care professional to join the network.to join the network.



VITAMINSVITAMINS Vitacost.com is your one-stop shop for thousands of top brand Vitacost.com is your one-stop shop for thousands of top brand

vitamins, supplements, herbs, organics and natural health care vitamins, supplements, herbs, organics and natural health care products at up to 80% off retail everyday. Choose from over products at up to 80% off retail everyday. Choose from over 400 brands and 12,000 items in stock and enjoy savings of 10% 400 brands and 12,000 items in stock and enjoy savings of 10% on already low prices. Members can place orders online or toll on already low prices. Members can place orders online or toll free by phone. Most orders ship the same day and every order free by phone. Most orders ship the same day and every order is backed by the exclusive 5-star guarantee.is backed by the exclusive 5-star guarantee.

Toll-free and online shopping with friendly and knowledgeable customer Toll-free and online shopping with friendly and knowledgeable customer service representatives Timely, convenient home delivery of vitamins, service representatives Timely, convenient home delivery of vitamins, supplements, and a wide variety of natural supplements, and a wide variety of natural health products All purchases include a 30-day unconditional money-health products All purchases include a 30-day unconditional money-back guarantee Choose from brand names you know and trust such as back guarantee Choose from brand names you know and trust such as Natures Way, Twinlab ,Enzymatic Therapy and Country Life All Natures Way, Twinlab ,Enzymatic Therapy and Country Life All purchases include a 30-day unconditional money-back guarantee.purchases include a 30-day unconditional money-back guarantee.



Our Service offers the following Our Service offers the following options for only $59.99 monthlyoptions for only $59.99 monthly::

Medical Service Medical Service (Physicians, Hospital Advocate, Vision, (Physicians, Hospital Advocate, Vision, Alternative Medicine, Chiropractor, Vitamins, Diabetics Medical Supplies, Alternative Medicine, Chiropractor, Vitamins, Diabetics Medical Supplies, Radiology and Imaging)Radiology and Imaging)

Dental Care Service Dental Care Service ((Pharmacy, Hearing, Pet Care, durable Pharmacy, Hearing, Pet Care, durable medical supplies and Dental care) medical supplies and Dental care)

THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCE.THIS IS NOT INSURANCE, AND IS NOT INTENDED TO REPLACE ANY INSURANCE.

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The Healthcare Alternative and the opportunity of your life…… THIS IS NOT INSURANCE AND IS NOT INTENDED TO REPLACE ANY INSURANCE