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American Health Advantage

TERMS & CONDITIONS

This program is not insurance or a health insurance policy. It is a discount
membership program offered by Careington International Corporation. Careington
International Corporation is not a licensed insurer, health maintenance organization, or
other underwriter of health care services. No portion of any provider's fees will be
reimbursed or otherwise paid by Careington International Corporation. Careington
International Corporation is not licensed to provide and does not provide medical
services or items to individuals. You will receive discounts for medical services at certain
health care providers who have contracted with the plan. You are obligated to pay for all
health care services at the time of your appointment.

Limitations and Conditions:

Savings are based upon the provider's normal fees. Actual savings will vary depending
upon location and specific services or products purchased. Please verify such services
with each individual provider. The discounts contained herein may not be used in
conjunction with any other discount plan or program. All listed or quoted prices are
current prices by participating providers and subject to change without notice. Any
procedures performed by a non-participating provider are not discounted. From time to
time, certain providers may offer products or services to the general public at prices
lower than the discounted prices available through this program. In such an event,
members will be charged the lowest price. Discounts on professional services are not
available where prohibited by law. This plan does not discount all procedures. Providers
are subject to change without notice and services may vary in some states. It is the
member's responsibility to verify that the provider is a participant in the plan. At any time
Careington International Corporation has the right to eliminate a participating
professional from the respective network in which they are associated and may
substitute provider networks at its sole discretion. Careington International Corporation
cannot guarantee the continued participation of any provider. If he or she leaves the
plan, you will need to select another provider. Providers contracted by Careington
International Corporation are solely responsible for the professional advice and
treatment rendered to members and Careington International Corporation disclaims
any liability with respect to such matters. Services and service providers may change or
be discontinued at anytime with notice as required by law.