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DISCLOSURES

Medicare Advantage Plans

UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its
intellectual property. These fees are used for the general purposes of AARP.
AARP and its affiliates are not insurers. Plans are insured through
UnitedHealthcare Insurance Company or one of its affiliated companies, a
Medicare Advantage organization with a Medicare contract and a Medicare-approved
Part D sponsor. Enrollment in the plan depends on the plan’s contract renewal
with Medicare.

This information is not a complete description of benefits. Contact
UnitedHealthcare for more information. Limitations, copayments, and restrictions
may apply.

Preferred Care Network is insured through UnitedHealthcare Insurance Company or
one of its affiliated companies, a Medicare Advantage organization with a
Medicare contract and a Medicare-approved Part D sponsor. Enrollment in the plan
depends on the plan's contract renewal with Medicare.

This information is not a complete description of benefits. Contact us for more
information. Limitations, copayments, and restrictions may apply.

Preferred Care Partners is insured through UnitedHealthcare Insurance Company or
one of its affiliated companies, a Medicare Advantage organization with a
Medicare contract and a Medicare-approved Part D sponsor. Enrollment in the plan
depends on the plan’s contract renewal with Medicare.

This information is not a complete description of benefits. Contact us for more
information. Limitations, copayments, and restrictions may apply.

UnitedHealthcare® Medicare Advantage Plans

UnitedHealthcare® Dual Special Needs Plans

Plans are insured through UnitedHealthcare Insurance Company or one of its
affiliated companies. For Medicare Advantage and/or Prescription Drug Plans: A
Medicare Advantage organization with a Medicare contract and/or a
Medicare-approved Part D sponsor. For Dual Special Needs Plans: A Medicare
Advantage organization with a Medicare contract and a contract with the State
Medicaid Program. Enrollment in the plan depends on the plan's contract renewal.

UnitedHealthcare® The Villages® Medicare Advantage Plan

UnitedHealthcare The Villages Medicare Advantage Plan is insured through
UnitedHealthcare Insurance Company or one of its affiliated companies
(UnitedHealthcare), a Medicare Advantage organization with a Medicare contract.
Enrollment in the plan depends on the plan’s contract renewal with
Medicare. UnitedHealthcare pays royalty fees to Holding Company of The Villages,
Inc. (The Villages) for the use of its intellectual property. The Villages and
its affiliates are not insurers.

This information is not a complete description of benefits. Contact us for more
information. Limitations, copayments, and restrictions may apply.

Benefits, premium and/or copayments/coinsurance may change each plan/benefit
year.

The Formulary, pharmacy network, and/or provider network may change at any time.
You will receive notice when necessary.

UnitedHealthcare® Group Medicare Advantage

Plans are insured through UnitedHealthcare Insurance Company or one of its
affiliated companies, a Medicare Advantage organization with a Medicare contract
and a Medicare-approved Part D sponsor. Enrollment in the plan depends on the
plan’s contract renewal with Medicare. This information is not a complete
description of benefits. Contact the plan for more information. Limitations,
copayments, and restrictions may apply.

Benefits, premium and/or copayments/coinsurance may change each plan/benefit
year.

The Formulary, pharmacy network, and/or provider network may change at any time.
You will receive notice when necessary.

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Medicare Supplement Insurance Plans

UnitedHealthcare Insurance Company and affiliates pay royalty fees to AARP for
the use of intellectual property. These fees are used for the general purposes
of AARP. AARP and its affiliates are not insurers. Insured by UnitedHealthcare
Insurance Company or an affiliate (collectively “UnitedHealthcare”). Refer to
your Certificate of Insurance for your Insurer. For New York Certificate
holders: Insured by UnitedHealthcare Insurance Company of New York. For
Washington Certificate holders: Insured by UnitedHealthcare Insurance Company.

Links are provided solely as a convenience and not as an endorsement of the
content of the third-party site or any products and services offered on that
site. The Plan is not responsible for the content on any linked site or any link
contained in a linked site and does not make any representations regarding the
content or accuracy of the materials on such sites.

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Medicare Prescription Drug Plans

AARP® MedicareRx Plans

Plans are insured through UnitedHealthcare Insurance Company or one of its
affiliated companies, a Medicare-approved Part D sponsor. Enrollment in the plan
depends on the plan’s contract renewal with Medicare. UnitedHealthcare Insurance
Company pays royalty fees to AARP for the use of its intellectual property.
These fees are used for the general purposes of AARP.

AARP® MedicareRx Plans

UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its
intellectual property. These fees are used for the general purposes of AARP.
AARP and its affiliates are not insurers. Plans are insured through
UnitedHealthcare Insurance Company or one of its affiliated companies, a
Medicare-approved Part D sponsor. Enrollment in the plan depends on the plan’s
contract renewal with Medicare.

This information is not a complete description of benefits. Contact
UnitedHealthcare for more information. Limitations, copayments, and restrictions
may apply.

Premium and/or copayments/coinsurance may change on January 1 of each year.

The Formulary and pharmacy network may change at any time. You will receive
notice when necessary.

This information is available for free in other languages. Please contact our
UnitedHealthcare Customer Service Advocates for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más
información comuníquese con nuestro Servicio al Cliente.

This information is not a complete description of benefits. Contact us for more
information. Limitations, copayments, and restrictions may apply.

Premium and/or copayments/coinsurance may change on January 1 of each year.

The Formulary and pharmacy network may change at any time. You will receive
notice when necessary.

This information is available for free in other languages. Please contact our
UnitedHealthcare Customer Service Advocates for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más
información comuníquese con nuestro Servicio al Cliente.

Medicare evaluates plans based on a 5-Star rating system. Star Ratings are
calculated each year and may change from one year to the next.

UnitedHealthcare® MedicareRx for Groups

Plans are insured through UnitedHealthcare Insurance Company or one of its
affiliated companies, a Medicare-approved Part D sponsor. Enrollment in the plan
depends on the plan’s contract renewal with Medicare. This information is not a
complete description of benefits. Contact the plan for more information.
Limitations, copayments, and restrictions may apply. Premium and/or
copayments/coinsurance may change on January 1 of each year.

The Formulary and pharmacy network may change at any time. You will receive
notice when necessary.

This information is available for free in other languages. Please contact
Customer Service for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más
información comuníquese con nuestro Servicio al Cliente.

HealthSelectSM Medicare Rx

Plans are insured through UnitedHealthcare Insurance Company or one of its
affiliated companies, a Medicare-approved Part D sponsor. Enrollment in the plan
depends on the plan’s contract renewal with Medicare. This information is not a
complete description of benefits. Contact the plan for more information.
Limitations, copayments, and restrictions may apply. Premium and/or
copayments/coinsurance may change on January 1 of each year.

The Formulary and pharmacy network may change at any time. You will receive
notice when necessary.

This information is available for free in other languages. Please contact
Customer Service for additional information.

Esta información está disponible sin costo en otros idiomas. Para obtener más
información comuníquese con nuestro Servicio al Cliente.

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Preferred Retail Pharmacy Network
Member may use any pharmacy in the network but may not receive preferred retail
pharmacy pricing. Pharmacies in the Preferred Retail Pharmacy Network may not be
available in all areas. Copays apply after deductible.

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Walgreens – Preferred Retail Pharmacy

Member may use any pharmacy in the network but may not receive the same pricing
as Walgreens, the plan’s preferred retail pharmacy. Walgreens pharmacies may not
be available in all areas.

UnitedHealthcare contracts directly with Walgreens for this plan; AARP and its
affiliates are not parties to that contractual relationship.

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Preferred Mail Service Pharmacy

2023 Savings benefit

Savings compared to Network Non-Preferred Retail Pharmacy and apply during the
initial coverage period, which begins after the payment of your required
deductible (if any) and ends when the total cost of your drugs (paid by
UnitedHealthcare, you and others) reaches $4,660.

NOTE: If you are receiving Extra Help from Medicare or have Medicaid, your
copays may be lower or you may have no copays.

OptumRx is an affiliate of UnitedHealthcare Insurance Company. You are not
required to use OptumRx home delivery for a 90-/100- day supply of your
maintenance medication. If you have not used OptumRx home delivery, you must
approve the first prescription order sent directly from your doctor to OptumRx
before it can be filled. New prescriptions from OptumRx should arrive within 5
business days after they receive the complete order. Contact OptumRx anytime at
1-877-266-4832 (TTY 711). $0 copay may be restricted to particular tiers,
preferred medications, or home delivery prescriptions during the initial
coverage phase and may not apply during the coverage gap or catastrophic stage.

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Preferred Mail Service Pharmacy

2021 Savings benefit

NOTE: If you are receiving Extra Help from Medicare, your copays may be lower or
you may have no copays.

OptumRx is an affiliate of UnitedHealthcare Insurance Company. You are not
required to use OptumRx home delivery for a 90-/100- day supply of your
maintenance medication. If you have not used OptumRx home delivery, you must
approve the first prescription order sent directly from your doctor to OptumRx
before it can be filled. New prescriptions from OptumRx should arrive within ten
business days from the date the completed order is received, and refill orders
should arrive in about seven business days. Contact OptumRx anytime at
1-877-266-4832 (TTY 711). $0 copay may be restricted to particular tiers,
preferred medications, or home delivery prescriptions during the initial
coverage phase and may not apply during the coverage gap or catastrophic stage.

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Preferred Mail Service Pharmacy

2020 Savings benefit

NOTE: If you are receiving Extra Help from Medicare or have Medicaid, your
copays may be lower or you may have no copays.

OptumRx is an affiliate of UnitedHealthcare Insurance Company. You are not
required to use OptumRx home delivery for a 90-/100- day supply of your
maintenance medication. If you have not used OptumRx home delivery, you must
approve the first prescription order sent directly from your doctor to OptumRx
before it can be filled. New prescriptions from OptumRx should arrive within
within 5 business days after they receive the complete order. Contact OptumRx
anytime at 1-877-266-4832 (TTY 711). $0 copay may be restricted to particular
tiers, preferred medications, or home delivery prescriptions during the initial
coverage phase and may not apply during the coverage gap or catastrophic stage.

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Renew Active™

Participation in the Renew Active™ by UnitedHealthcare program is voluntary.
Consult your doctor prior to beginning an exercise program or making changes to
your lifestyle or health care routine. Renew Active includes standard fitness
membership and other offerings. Fitness membership, equipment, classes,
personalized fitness plans, caregiver access and events may vary by location.
Certain services, classes, events and online fitness offerings are provided by
affiliates of UnitedHealthcare Insurance Company or other third parties not
affiliated with UnitedHealthcare. Participation in these third-party services
are subject to your acceptance of their respective terms and policies. AARP
Staying Sharp is the registered trademark of AARP. Medicare’s Largest Gym
Network/The largest gym network of all Medicare fitness programs is based upon
comparison of competitors’ website data as of March, 2021. UnitedHealthcare is
not responsible for the services or information provided by third parties. The
information provided through these services is for informational purposes only
and is not a substitute for the advice of a doctor. The Renew Active program
varies by plan/area. Access to gym and fitness location network may vary by
location and plan.

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Health & Wellness

This website provides Health & Wellness information, content and articles that
is brought to you by third party vendors. (e.g., Talix, Healthwise, HealthDay,
Visual Health Solutions) Content is for general informational purposes only and
not intended to be medical advice or a substitute for professional health care.
See your physician for medical advice personalized to your situation. The
information should not be used for emergency or urgent care needs. In an
emergency, call 911 or go to the nearest emergency room. Nurses, wellness
coaches, and other representatives from UnitedHealthcare cannot diagnose
problems or recommend treatment. All decisions about medications, vision care,
and health and wellness care are between you and your health care provider.
Consult your physician before beginning an exercise program or making major
changes in your diet or health care regimen.

UnitedHealthcare, AARP and their Affiliates do not recommend or endorse specific
tests, procedures or advice or other information found in the content provided
by third party vendors. Specifically, UnitedHealthcare, AARP and their
Affiliates disclaim all responsibility or liability, loss or risk personal or
otherwise which may be incurred as a consequence directly or indirectly as a
result of the use or application of the information contained in third party
vendor articles on this site.

If third party vendor content and articles contain links- those links are made
available so that you will have an opportunity to obtain information from other
third party website(s). Links are provided solely as a convenience and not as an
endorsement of the content of the third-party site or any products or services
offered on that site. UnitedHealthcare Insurance Company is not responsible for
the content on any linked site or any link contained in a linked site.
UnitedHealthcare does not make any representations regarding the content or
accuracy of the materials on such sites.

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Health & Wellness

UnitedHealthcare does not recommend or endorse specific tests, procedures or
advice or other information found in the content provided by third party
vendors. Specifically, UnitedHealthcare disclaims all responsibility or
liability, loss or risk personal or otherwise which may be incurred as a
consequence directly or indirectly as a result of the use or application of the
information contained in third party vendor articles on this site.

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UCard

Terms and Conditions for

Funds Accessible with UCard

The following Terms and Conditions for Funds Accessible with UCard (“Agreement”)
describe the terms and conditions that apply to your use of the UCard or S3™
barcodes with access to select S3™ funds, including rewards (“Rewards”), the
healthy savings benefits (“Food”), the utilities benefit (“Utilities”) and/or
the over-the-counter benefits (“OTC”) offered as part of an S3® Program that can
be redeemed at S3® Retailers using a UCard, provided by a health plan or other
entity sponsoring your benefits (“Program Sponsor”) (“Card”). This Agreement is
between you (the “Cardholder,” “you,” “your”) and Solutran, LLC (“Program
Servicer,” “we,” “us,” “our”), an affiliate of UnitedHealthcare. These Terms &
Conditions are not applicable to the UnitedHealthcare Member ID information
included on the UCard. By participating in Rewards or accessing Rewards funds,
you agree to be bound by this Agreement, including any future amendments to the
Agreement, and the Reward Program Terms of Service at
https://member.uhc.com/medicare/content/medicare/about/rewards-terms.html. To
request a hard copy of the Terms of Service, contact Customer Service. If you
do not agree with this Agreement, you may not use or accept Rewards.
IMPORTANT: PLEASE READ THIS AGREEMENT CAREFULLY. IT CONTAINS IMPORTANT
INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS. IT ALSO CONTAINS A BINDING
ARBITRATION PROVISION AND WAIVER OF JURY TRIAL AND CLASS ACTIONS FOR DISPUTES
ARISING OUT OF YOUR USE OF A CARD.

FEE SCHEDULE

You agree that the fees listed below may be withdrawn directly from the Rewards
accessible with your Card, including from subsequent amounts that may be loaded
by your Program Sponsor. We reserve the right to change these fees in
accordance with the terms of this Agreement. All dollar amounts stated in this
Agreement are in U.S. Dollars (“USD”) unless expressly stated otherwise.

SERVICE FEE ------------------------------------------------- $2.50*

* A monthly service fee of $2.50 will be assessed to the Rewards accessible with
your Card beginning 12 months after the last reward funds deposit. This fee
will be assessed to your Card each month as long as there are Rewards accessible
with the Card. If the Rewards accessible with your Card total less than the
$2.50 fee available, we will debit the remaining available balance of the Card
and, unless your Card is reloadable by your Program Sponsor, your Card will be
terminated.

Service Fees will no longer apply or be assessed to the Rewards accessible with
your Card for activity in 2024. Service Fees may be assessed or applied to your
Rewards in accordance with this section for activity through December 31, 2023.

1. About Your Card. You are being issued a Member ID that has an S3TM barcode
to access S3TM funds provided by your Program Sponsor. The S3TM funds for
Rewards, OTC, Utilities, and/or Food accessible by the S3 TM barcode will be
referred to as “Funds” throughout this Agreement. The Program Servicer is
responsible for servicing, distributing, operating and maintaining the Card
program. The Program Servicer’s affiliates and related entities bear no
responsibility or liability for any Cards, and you hereby knowingly release such
affiliates and related entities from any and all liability or claims of any
nature whatsoever arising in connection with the Card.

The Card is a prepaid card that is being provided to you by a Program Sponsor
pursuant to applicable program documents. The Card allows you to access certain
Funds on the Card loaded by the Program Sponsor, not the Program Servicer. The
Funds available with your Card may expire in accordance with Section 9 below.
The Program Sponsor is responsible for ensuring Funds are available to be loaded
to the Card. You do not have the ability to add or load Funds to the Card. The
Card is not a gift card and is not connected in any way to a personal checking
or savings account or any other financial account you may have. The Card is not
a credit card. You will not receive any interest on the Funds associated with
the Card. Your Card is not accepted at Automated Teller Machines (“ATMs”) and
cannot be used to obtain cash from an ATM, a point-of-sale terminal (“POS”), or
by any other means, except as required by law. Only your Program Sponsor may
load additional Funds that can be accessed with your Card. You may not load any
value to your Card. The Card(s) issued to you remain the property of the
Program Servicer and must be surrendered upon request.

Your Program Sponsor may provide you additional documents that govern the types
of Funds available to you, any potential limitations on those Funds, and the
qualifications necessary to earn Funds accessible by a Card. Those program
documents may also describe additional healthy product promotions and or plan
benefits that may be accessible with your Card. These additional
promotions/plan benefits are separate and distinct from the Funds you have
earned as a reward and expire in accordance with your applicable program
documents. Your Program Sponsor is responsible for funding your redemptions of
these additional promotions. We are not a party to any of your program
documents and are not responsible for the program documents or the underlying
program through which you have received the Card.

2. Card Activation and Registration. You must activate your Card before it can
be used to access the Rewards or other plan benefit funds. You may activate
your Card by visiting activate.uhc.com or calling 1-866-757-1864 . Your failure
to activate and use the Card results in the loss of all rights that you may
have to use the Card and access the underlying Rewards. By
registering, activating, and using a Card, you agree to only use the Card for
personal, family, or household purposes and in accordance with the terms of this
Agreement.

3. Authorization. You are an authorized user of the Card. You do not have any
rights in or to the Funds accessible with a Card, except the right to use the
Card and access the Card Funds in accordance with the terms of this Agreement
and your program documents. You will be responsible for all transactions and
fees incurred by another person whom you have permitted to have access to your
Card, and we will treat all actions by such other persons as if you have
authorized the activity. You should retain receipts of all authorized
transactions. Receipts of your transactions may be required if we are
investigating a report of a lost or stolen Card, errors, or unauthorized
transactions.

You are not authorized to use your Card for any inappropriate, fraudulent or
abusive transactions including, but not limited to, providing Card access to
inappropriate individuals, using or attempting to use the Card in any manner not
approved in your Evidence of Coverage or other program documents, or in
violation of this Agreement. You do not have the right to stop payment on any
transaction resulting from the use of your Card.

4. Use and Redemption. Cards are redeemable only for qualified purchases of
goods and services at select Merchants that have agreed to accept the Cards and
have the equipment necessary to process S3™-branded card transactions
(“Merchants”), as long as you do not exceed the value available on your Card.
The Merchants may change from time to time. If you use your Card without
presenting your physical or digital Card (i.e. mail order, by telephone, or by
Internet), the legal effect will be the same as if you presented the physical or
digital Card in person. Cards are not redeemable towards previously purchased
goods or services. Cards may be redeemable only for certain goods or services,
or may be restricted from redemption for certain goods or services, including
but not limited to alcohol, tobacco, firearms or gift cards, as determined by
applicable law, rules and regulations, and applicable Evidence of Coverage or
program documents provided by your Program Sponsor. Except as may otherwise be
required by law, your Card cannot be: i) redeemed for cash; ii) used to obtain
cash in any transaction; iii) used for illegal transactions; or, iv) used to set
up recurring payments. We may refuse to process any transaction for security
reasons or if we believe the transaction may violate the terms of this Agreement
or applicable law. By using a Card, you agree to only use the Card for
personal, family, or household purposes and in accordance with the terms of this
Agreement.

You authorize us to reduce the value available on your Card by the amount of
each transaction and any applicable fees or charges. You are not allowed to
exceed the available amount through an individual transaction or a series of
transactions. Attempting to use the Card when there are insufficient funds
accessible with it may result in your transaction being declined or the Merchant
allowing you to pay for the balance of the transaction with another method of
payment. If, for any reason, you conduct a transaction that manages to exceed
the available balance on your Card, you agree that we may deduct the amount of
the overdraft and any applicable fees or charges from any reward funds
subsequently loaded by your Program Sponsor for access with your Card.

5. Priority of Funds.

When you use your Card to purchase a qualified item or service, you authorize us
to apply available Funds to each transaction in the following priority. If you
purchase an item covered by your OTC or Food benefit, your OTC and Food benefit
funds will be applied first. When your OTC and Food benefits are expired or
have been exhausted, or any time that you are purchasing an item not covered by
your OTC or Food benefits, your Card will next apply any available Rewards to
purchase the item, unless the item is otherwise not eligible for purchase under
the Rewards program terms.

6. Utilities Payments.

Your Program Sponsor may allow your Card to be used to make certain utility
payments. Consult the program documents provided by your Program Sponsor to
determine if you can make payments to your utility company. Utility payments may
be conducted online, by telephone or at an S3 retailer such as Walmart. When you
make a utility payment online or by telephone you are requesting us to make
payment to your utility company. You are not making a payment directly to your
utility company and your utility company will not receive, process, or credit
your utility account until we conduct a backend process to submit your payment
to the utility company. We will send your payment to the utility company as
soon as we practically can, which may take 7-10 business days before we mail the
payment. Once mailed, the utility company may take additional time to receive,
process and apply the payment to your utility account. This adds on even more
time. The total time to make a payment to a biller is typically one to two
weeks. This does not account for the processing time once the biller receives
the check and applies it to your account. The online or telephone bill pay
services should not be used if your utility bill is due immediately or within
the period of time we need to process and mail the payment to your utility
company.

You can pay certain covered utility bills at certain S3 retailers including your
local Walmart customer service desk or MoneyCenter. Walmart may have limitations
on the utility companies it can make payment to under this service. Please
contact Walmart to see if your utility company is covered and for further
information, including additional fees Walmart may charge for its services and
payment processing timing.

You acknowledge and agree that any payment you request made to a utility company
complies with your Program Sponsor requirements. You acknowledge and agree that
you are solely responsible for providing accurate information about your utility
company, including the entity name, the address where payments must be sent,
your account number, the amount of payment, and any other information we may
request to facilitate the payment. We are not responsible for any delays or
errors caused by providing us with inaccurate information. We are not
responsible for verifying that your requested payment is going to a utility
company.

If the payment you make using your Card does not fully cover your utility bill,
you are responsible for paying the remainder of your utility bill with a
different payment method in accordance with your utility company’s billing
procedures. We are responsible only for submitting the payment to the utility
company in accordance with your instructions. We are not responsible to you or
your utility company for any disputes, disagreements, or errors or omissions
related to the processing, crediting or handling of the payment.

7. Refunds and Returns. If you are entitled to a refund for any reason for
goods or services obtained with your Card, you agree to abide by the return,
refund and transaction policies of the Merchant and to request a credit to the
Card from the Merchant in place of a cash refund where possible. All returns
and/or refunds will be credited with an expiration date thirty days after
processing or the last day of the benefit period, whichever is later. If a
Merchant credits the Card, the funds may not be immediately available. We may
have no control over when a Merchant sends a credit transaction. All disputes
regarding the Merchants return, refund and transaction policies must be handled
directly with the Merchant.

8. Card Balance Inquiry. To check the balance on your Card, please visit
[member.uhc.com/ucard] or call the number on your card. The balance you receive
when inquiring over the telephone or online is an estimate only. In most cases,
the balance is adjusted immediately when you make a purchase, but there may be
occasions when the balance adjustment is delayed.

It is your responsibility to keep track of the amount of Funds accessible with
the Card. You may review your Card balance and a history of your Card
transactions by visiting member.uhc.com/ucard or by downloading
the UnitedHealthcare mobile app.

9. Lost or Stolen Card; Unauthorized Transactions. If your Card is lost or
stolen, you may log in to your account at [member.uhc.com/ucard] and request a
replacement card or call the number on your Card. The Program Servicer is not
responsible for unauthorized use of any Card. Your Card will be deactivated and
any Funds remaining on the Card at the time of the call may be transferred onto
a new Card. If the Funds are transferred onto a new Card, the Funds will be
temporarily unavailable until the new Card is activated. It may take up to 30
days to process and issue a replacement Card.

10. Errors. If you become aware of and/or your mobile or online account shows
transactions that you believe you did not make or contain some other error, you
must notify the Program Servicer immediately by calling the number on the back
of your Card. If you fail to notify the Program Servicer of any potential
errors within sixty (60) days after the information was made available to you,
you may not be entitled to receive any value you lost if we can prove that you
failed to use reasonable care or we could have prevented or limited any further
loss. Notifying the Program Servicer within sixty (60) days after the
information was made available to you is not a guarantee that you will receive a
refund of any value lost. We reserve the right to investigate any claim you may
make regarding a lost or stolen Card or unauthorized transaction, and you agree
to cooperate with such investigation.

11. Rewards Expiration. Your Rewards on your Card do not expire. Your Card may
be used to access the Rewards issued under this Agreement, in addition to
certain additional plan benefits or promotions that your Program Sponsor may
provide you. These additional plan benefits or promotions expire in accordance
with your applicable Evidence of Coverage and other program documents, however,
Rewards do not expire.

12. Termination and Suspension of Access to Funds. You, your Program Sponsor,
and we have the right to suspend or terminate a access to the Funds on your
Card. We may suspend, terminate, cancel or revoke your access to the Funds at
any time and without prior notice, subject to applicable law. For example, we
may suspend, terminate, cancel or revoke your access to Funds: (i) if we believe
you (or an individual authorized by you) have used or may use it for any
unlawful or suspicious purpose; (ii) if you have used or may use it in violation
of this Agreement; (iii) if we are unable to verify the accuracy of any
information you provide to us; (iv) if we believe your actions may cause legal
or financial risk to us or others; or, (v) if your Program Sponsor fails to
provide sufficient funds for loading your Card. We may also suspend, terminate,
cancel or revoke your access to Funds at the request of your Program Sponsor.

You will not be entitled to any of the Funds that remain accessible by a Card
upon termination, suspension, cancelation, or revocation of access to the Funds.

13. Mandatory Binding individual Arbitration. Please read this section
carefully. It affects legal rights that you may otherwise have and requires
individual final and binding arbitration of most disputes instead of resolution
in court regarding any claim you may have against Solutran, LLC as your Program
Servicer. This section does not apply to any claim that you may have against
the Program Sponsor subject to appeals and grievances procedures under the
federal Medicare regulations. This section is not intended to provide you with a
complete explanation of the consequences of arbitration. You should consult
with other appropriate professionals before using your Card.

Arbitration is a substitute for having your claims adjudicated in a court of
law. Arbitration is the submission of a dispute to a neutral arbitrator,
instead of a judge or jury, for a final and binding decision, known as an
“award.” Arbitration provides for more limited discovery than in court, is
subject to limited review by courts, and the result is confidential. Each party
has an opportunity to present evidence to the arbitrator in writing or through
witnesses. An arbitrator can only award the same damages and relief that a
court can award under the law and must honor the terms and conditions in this
Agreement.

Notwithstanding the mandatory individual arbitration terms contained in this
Agreement, all parties retain the right to seek relief in small claims court for
disputes or claims within the scope of its jurisdiction.

A. ARBITRATION AGREEMENT, CLASS ACTION WAIVER, PUNITIVE DAMAGES WAIVER

You and Program Servicer agree that any dispute, whether at law or equity,
arising out of or relating to this Agreement or your use of the Card, regardless
of the date of accrual of such dispute, shall be resolved in its entirety by
individual (not classwide or collective) binding arbitration, except that you or
the Program Servicer may take claims to small claims court if they qualify for
hearing by such a court.

You and Program Servicer agree that any arbitration under this Agreement will
take place on an individual basis and that class, mass, consolidated or combined
actions or arbitrations or proceedings as a private attorney general are not
permitted.

YOU AND PROGRAM SERVICER AGREE TO WAIVE THE RIGHT TO TRIAL BY JURY.

YOU AND THE PROGRAM SERVICER AGREE AND UNDERSTAND THAT THIS ARBITRATION
AGREEMENT MEANS THE PARTIES ARE GIVING UP THE RIGHT TO BRING CLAIMS IN COURT OR
HAVE A JURY RESOLVE THE DISPUTE.

This agreement to arbitrate extends to claims that you assert against other
parties, including without limit claims against Program Servicer’s affiliates
and related entities.

The Agreement evidences a transaction in interstate commerce and the Federal
Arbitration Act governs the interpretation and enforcement of this agreement to
arbitrate.

This agreement to arbitrate shall survive termination of this Agreement.
Notwithstanding anything to the contrary, if any part of this agreement to
arbitrate is deemed invalid or inapplicable, the remainder of the agreement to
arbitrate shall still be considered valid and enforceable. If any part of this
agreement to arbitrate is deemed invalid or inapplicable, you and Program
Servicer both waive, to the fullest extent allowed by law, any claims to recover
punitive or exemplary damages and any right to pursue any claims on a class,
mass, consolidated, or combined basis.

B. ARBITRATION PROCEDURES

Arbitration shall be conducted by the American Arbitration Association (“AAA”)
in accordance with its Consumer Arbitration Rules (the “AAA Rules”). The AAA
Rules and instructions for how to initiate an arbitration are available from AAA
at https://www.adr.org or 1-800-778-7879.

Payment of all filing, administration and arbitrator fees will be governed by
the AAA Rules. Reasonable attorneys’ fees and expenses will be awarded only to
the extent such allocation or award is available under applicable law.

Any arbitration will take place in or near the county where claimant resides and
will be determined by a single arbitrator; provided, however, that upon request
by either party, the arbitration shall be conducted via telephone to the extent
permitted by the AAA Rules. The arbitration may award on an individual basis
the same damages and relief as a court (including injunctive relief).

Judgment on the award may be entered in any court of competent jurisdiction.

14. Limitation of Liability. PROGRAM SERVICER MAKES NO WARRANTIES, EXPRESS OR
IMPLIED, WITH RESPECT TO CARDS INCLUDING, WITHOUT LIMITATION, ANY EXPRESS OR
IMPLIED WARRANTY OR MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. IN THE
EVENT THAT A CARD IS NON-FUNCTIONAL, YOUR SOLE REMEDY, AND OUR SOLE LIABILITY,
SHALL BE THE REPLACEMENT OF SUCH CARD. CERTAIN STATE LAWS DO NOT ALLOW
LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OR CERTAIN
DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS,
EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU.

WE ARE NOT RESPONSIBLE FOR THE QUALITY, SAFETY, LEGALITY, OR ANY OTHER ASPECT OF
ANY GOODS OR SERVICES YOU PURCHASE WITH THE CARD. WE WILL NOT BE LIABLE IF: 1)
THROUGH NO FAULT OF OURS, YOUR CARD HAS INSUFFICIENT FUNDS AVAILABLE TO PROCESS
YOUR INTENDED TRANSACTION; 2) A MERCHANT REFUSES TO ACCEPT YOUR CARD; 3) A
MERCHANT’S POINT-OF-SALE TERMINAL OR EQUIPMENT IS NOT FUNCTIONING PROPERLY, AND
YOU KNEW OR SHOULD HAVE KNOWN ABOUT THE PROBLEM WHEN YOU ATTEMPTED TO CONDUCT A
TRANSACTION; 4) YOU ATTEMPT TO CONDUCT A TRANSACTION AFTER YOUR CARD HAS BEEN
DEACTIVATED, SUSPENDED OR TERMINATED FOR ANY OF THE REASONS STATED IN THIS
AGREEMENT, INCLUDING FOR A CARD THAT HAS BEEN REPORTED AS LOST, STOLEN, OR
DAMAGED; 5) THERE IS A “HOLD” PLACED ON YOUR CARD OR YOUR FUNDS ARE SUBJECT TO
SOME LEGAL OR ADMINISTRATIVE PROCESS; 6) WE HAVE REASON TO BELIEVE THE REQUESTED
TRANSACTION IS UNAUTHORIZED; 7) DESPITE REASONABLE PRECAUTIONS, CIRCUMSTANCES
BEYOND OUR CONTROL PREVENT THE COMPLETION OF THE TRANSACTION; 8) YOUR PROGRAM
SPONSOR DID NOT PROPERLY FUND THE ACCOUNT ACCESSIBLE WITH YOUR CARD IN A TIMELY
MANNER; 9) THE PROGRAM SPONSOR DID NOT PROVIDE YOU WITH REQUIRED DISCLOSURES,
ACCOUNT INFORMATION, PROGRAM DOCUMENTS, OR OTHER SERVICES, EVEN IF THOSE
RESPONSIBILITIES ARE REFERRED TO IN THIS AGREEMENT; OR, 10) ANY OTHER EXCEPTION
STATED IN OUR AGREEMENT WITH YOU APPLIES.

ANY PROCEEDING BY YOU TO ENFORCE AN OBLIGATION, DUTY OR RIGHT ARISING OUT OF
THESE TERMS AND CONDITIONS OR APPLICABLE LAW WITH RESPECT TO YOUR CARD MUST BE
COMMENCED WITHIN TWELVE (12) MONTHS AFTER THE CAUSE OF ACTION OCCURS.

15. Assignment. We may transfer, sell, or assign our rights under this
Agreement. You may not transfer, sell or assign your Card or your rights or
obligations under this Agreement.

16. No Resale. Cards may not be resold without express written authorization
from the Program Servicer. A Card is not valid and will not be honored, and we
will not be liable, if a Card is obtained from unauthorized distributors or
resellers, including through Internet auction sites.

17. Governing Law. Except where federal laws, rules and regulations govern, the
laws of the State of Delaware, without regard to principles of conflict of laws,
shall govern this Agreement and use of your Card.

18. Changes to Agreement. Program Servicer reserves the right to change this
Agreement from time to time in its discretion, subject to applicable law.
Please review ucard.uhc.com for current versions of terms and conditions. You
will be notified of any change in the manner required by applicable law;
however, we may make changes for security purposes without providing you prior
notice of such change.

19. Fraud. Program Servicer reserves the right to refuse to honor a Card where
Program Servicer suspects that the Card was obtained or used fraudulently.

20. Severability. Whenever possible, each provision of this Agreement shall be
interpreted in such manner as to be effective and valid under applicable law. If
any provision of this Agreement so construed is held to be invalid, illegal, or
otherwise unenforceable, such provision shall be deemed severed from this
Agreement and all other provisions shall remain in full force and effect.

21. Telephone Recording. We may monitor and/or record telephone calls between
you and us or our vendors or other service providers to assure the quality of
our customer service.

22. Non-Waiver. The failure by either party at any time to enforce any of the
provisions of this Agreement or any right or remedy available hereunder or at
law or in equity, or to exercise any option herein provided, shall not
constitute a waiver of such provision, right, remedy or option or in any way
affect the validity of this Agreement. The express waiver of any default by
either party shall not be deemed a continuing waiver but shall apply solely to
this instance to which such express waiver is directed.

23. Business Days. For purposes of this Agreement, our business days are Monday
through Friday, not including any Federal Holidays.

24. Disclosure of Information. We may disclose information to third parties
about your Card or the transfers that you make from it: i) where it is necessary
to provide service associated with your Card and fulfill our obligations to your
Program Sponsor; ii) to verify the existence and condition of your Card for a
third party, including a Merchant or a bank; iii) in accordance with our
applicable web Privacy Policies; iv) for any reasonable security purposes; v) to
comply with any government agency, court orders, or other legal
request; or vi) otherwise as necessary to fulfill our obligations under this
Agreement.

25. Non-Discrimination and Language Assistance. We do not treat members
differently because of sex, age, race, color, disability or national origin.

If you think you were treated unfairly because of your sex, age, race, color,
disability or national origin, you can send a complaint to the Civil Rights
Coordinator.

• Online: UHC_Civil_Rights@uhc.com

• Mail: Civil Rights Coordinator. UnitedHealthcare Civil Rights Grievance.
P.O. Box 30608, Salt Lake City, UT 84130

You must send the complaint within 60 days of when you found out about it. A
decision will be sent to you within 30 days. If you disagree with the decision,
you have 15 days to ask us to look at it again. If you need help with your
complaint, please call the member toll-free phone number listed on your ID card.

You can also file a complaint with the U.S. Dept. of Health and Human Services.

• Online: https://ocrportal.hhs.gov/ocr/portal/lobby.jsf

Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.

• Phone: Toll-free 1-800-368-1019, 1-800-537-7697 (TDD)

• Mail: U.S. Dept. of Health and Human Services. 200 Independence Avenue. SW
Room 509F, HHH Building, Washington, D.C. 20201

English: We have free interpreter services to answer any questions you may have
about our health or drug plan. To get an interpreter, please call us using the
toll-free number on your member identification card. Someone who speaks your
language can help you. This is a free service.

Spanish: Contamos con servicios gratuitos de intérprete para responder cualquier
pregunta que pudiera tener sobre nuestro plan de salud o de medicamentos. Para
obtener los servicios de un intérprete, llámenos al número de teléfono gratuito
que figura en su tarjeta de identificación de miembro. Una persona que habla su
idioma podrá ayudarle. Es un servicio gratuito.

Chinese Mandarin:
我们提供免费口译服务，解答您对我们的健康或药物计划的任何疑问。如需寻找一名口译员，请使用您的会员身份证上的免费电话号码联系我们。一名与您讲相同语言的人可以为您提供帮助。这是一项免费服务。

Chinese Cantonese:
我們提供免費的口譯服務，可回答您可能對我們的健康或藥物計劃的任何問題。如需口譯員，請撥打您的會員識別卡上的免付費電話號碼聯絡我們。會說您的語言的人可協助您。這是免費服務。

Tagalog: Mayroon kaming libreng serbisyo ng interpreter para sagutin anumang
tanong na maaaring mayroon ka tungkol sa kalusugan o plano ng gamot. Para
makakuha ng interpreter, pakitawagan kami gamit ang libreng numero sa iyong kard
ng pagkakakilanlan ng kasapi. Sinumang nagsasalita ng wika mo ay puwedeng
makatulong sa iyo. Ang serbisyong ito ay libre.

French: Nous disposons de services d’interprétation gratuits pour répondre à
toutes les questions que vous pourriez vous poser sur notre régime d’assurance
maladie ou d’assurance-médicaments. Pour recevoir l’aide d’un interprète,
veuillez nous appeler en composant le numéro gratuit figurant sur votre carte
d’identification de membre. Quelqu’un parlant votre langue peut vous aider. Ce
service est gratuit.

Vietnamese: Chúng tôi có dịch vụ thông dịch viên miễn phí để trả lời các câu hỏi
mà bạn có về chương trình sức khoẻ hay thuốc của chúng tôi. Để gặp thông dịch
viên, vui lòng gọi cho chúng tôi theo số điện thoại miễn phí trên thẻ nhận dạng
thành viên của bạn. Người nói cùng ngôn ngữ với bạn có thể giúp bạn. Đây là dịch
vụ miễn phí.

German: Wir verfügen über kostenlose Dolmetscherdienste, um alle Fragen zu
beantworten, die Sie über unseren Gesundheits- oder Medikamentenplan haben
mögen. Um einen Dolmetscher zu erhalten, rufen Sie uns bitte unter der
kostenfreien Nummer auf Ihrem Mitgliedsausweis an. Jemand, der Ihre Sprache
spricht, kann Ihnen helfen. Dies ist eine kostenlose Dienstleistung.

Korean: 건강 또는 의약품 플랜에 관한 질문에 답변해드리기 위해 무료 통역 서비스를 제공합니다. 통역 서비스를 이용하려면, 가입자 ID
카드에 있는 수신자 부담 전화번호로 전화해 주십시오. 한국어를 사용하는 통역사가 도움을 드릴 수 있습니다. 이 서비스는 무료입니다.

Russian: Если у Вас возникнут какие-либо вопросы о нашем плане медицинского
страхования или плане по приобретению препаратов, мы предоставим Вам бесплатные
услуги устного перевода. Для того чтобы воспользоваться услугами устного
перевода, пожалуйста, свяжитесь с нами по бесплатному номеру телефона,
указанному на Вашей идентификационной карте участника плана. Сотрудник, который
говорит на Вашем языке, сможет Вам помочь. Данная услуга предоставляется
бесплатно.

:Arabic لدينا خدمات ترجمة فورية للرد على أي أسئلة قد تكون لديك حول الخطة الصحية
أو خطة الأدوية الخاصة بنا. للحصول على مترجم، اتصل بنا باستخدام رقم الهاتف
المجاني على بطاقة تعريف عضويتك. سيساعدك شخص ما يتحدث لغتك. هذه خدمة مجانية.

Hindi: हमारे स्वास्थ्य या दवा प्लान के बारे में आपके किसी भी प्रश्न का उत्तर
देने के लिए हमारे पास मुफ्त दुभाषिया सेवाएं मौजूद हैं। दुभाषिया पाने के लिए,
कृपया अपने सदस्य पहचान पत्र पर टोल-फ्री नंबर का उपयोग करके हमें कॉल करें। आपकी
भाषा बोलने वाला कोई व्यक्ति आपकी मदद कर सकता है। यह एक निःशुल्क सेवा है।

Italian: Mettiamo a disposizione un servizio di interpretariato gratuito per
rispondere a eventuali domande sul nostro piano sanitario o farmaceutico. Per
avvalersi di un interprete, si prega di chiamare il numero verde riportato sulla
tessera identificativa. Una persona che parla italiano potrà fornire
l’assistenza richiesta. Il servizio è gratuito.

Portuguese: Dispomos de serviços de intérprete gratuitos para esclarecer
quaisquer dúvidas que tenha sobre o nosso plano de saúde ou medicação. Para
obter um intérprete, contacte-nos através do número gratuito no seu cartão de
identificação de membro. Alguém que fala a sua língua pode ajudá-lo(a). Este é
um serviço gratuito.

French Creole: Nou gen sèvis entèprèt gratis pou reponn tout kesyon ou gendwa
genyen konsènan plan sante oswa medikaman nou an. Pou jwenn yon entèprèt, tanpri
rele nou apati nimewo apèl gratis ki sou kat idantifikasyon kòm manm ou an. Yon
moun ki pale lang ou ka ede ou. Sa se yon sèvis gratis.

Polish: Oferujemy bezpłatne usługi tłumaczeniowe, aby odpowiedzieć na wszelkie
pytania dotyczące naszego planu ubezpieczenia zdrowotnego lub planu refundacji
leków. Aby skorzystać z pomocy tłumacza, proszę zadzwonić pod bezpłatny numer
telefonu podany na karcie identyfikacyjnej członka planu. Osoba posługująca się
Pana/Pani językiem Panu/Pani pomoże. Usługa ta jest bezpłatna.

Japanese:
当社の医療または処方薬プランに関する質問にお答えするために、無料の通訳サービスをご利用いただけます。通訳が必要な場合には、会員IDカードに記載されているフリーダイヤル番号を使用して、当社までお問い合わせください。お客様の言語を話す通訳者がお手伝いいたします。これは無料のサービスです。

26. Headings. The descriptive headings in this Agreement are inserted for
convenience only and do not constitute a part of this Agreement.

27. Contacting Us. You may submit general inquiries to us by
visiting: member.uhc.com/ucard or calling the number on the back of your Card.

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