An AFS Access or Independence Membership can provide you and your family members with Accidental Death Benefits (ADB). The Common Carrier benefit will be paid in lieu of any other benefits for Accidental Death.

Independence Single Membership - Primary Member Only

• Accidental Death Benefit - $40,000
• Common Carrier ADB - $60,000

Independence Family Membership

• Accidental Death Benefit
• Primary Member - $40,000
• Spouse - $20,000
• Dependent Children - $5,000
• Common Carrier ADB
• Primary Member - $60,000
• Spouse - $20,000
• Dependent Children - $20,000

This benefit is not available in MD, ME, NC, and SD.

In the event of an emergency, Independence Members receive up to $200 in ambulance coverage for actual expenses incurred for the use of the Ground Ambulance Service Benefit. Reimbursement includes one trip per year to or from a Hospital as a result of an accident or sickness. This benefit is included in the cost of your membership.

This coverage provides:

• $200 benefit maximum
• Ground Ambulance Service to or from hospital as a result of accident or sickness
• One trip per year

Administered by EnvisionSavings

The Association Rx Card network includes over 60,000 pharmacies throughout the U.S. The network includes national chains as well as thousands of independent pharmacies. Up to 65% savings on generic medications with overall average savings of 40% across brand and generic medications combined.

Choose one of two programs:

• Individual - $13.95 per month
• Family - $23.95 per month

Visit www.AssociationRxCard.com* for more details on drug pricing and participating pharmacies.

*THIS IS NOT INSURANCE - DISCOUNTS ONLY.

Administered by EnvisionSavings. Member is required to pay the entire amount of the discounted rate. Pricing is subject to change without notice. Pricing is only for quantities stated; additional quantities may incur higher costs. May not be available in all states. Not available in SC. TN Residents: Members may cancel the Association Rx Card program within thirty (30) days of joining the program, and shall be refunded any and all program fees paid during the initial program membership.

Administered by Careington International Corporation

AFS Members can save 15% to 60% on virtually all dental procedures. Since the dental program is administered by Careington International Corporation, you now have access to one of the largest dental networks nationwide. Members will pay the discounted rate at the time of service. Please read the program instructions carefully to maximize your savings.

• Receive unlimited access to care with no limits on the number of visits.
• Procedures range from cleanings and fillings to root canals and crowns.
• Orthodontics are available for both children and adults.
• All dentists must meet highly selective credentialing standards.
• Visit any participating dentist on the plan and change providers at any time. Work in progress must be completed by the provider who started the initial work.
• Payments are set according to a schedule of services and fees are due at time of service.

To locate a provider, visit www.careington.com/afs

Note: Percentage of savings may vary by location and procedure.

The Discount Dental Plan is available for:

• Individuals = $8 per month
• Families = $12 per month

The Liberty Membership plan includes the Discount Dental Plan at no additional cost. Visit the Plans page for more information

THIS PLAN IS NOT INSURANCE and is not intended to replace health insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c.111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at www.careington.com/afs A written list of participating providers is available upon request. You may cancel within the first 30 days after effective date or receipt of membership materials (whichever is later) and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Plan Organization and administrator: Careington International Corporation, 7400 Gaylord Parkway, Frisco, TX 75034; phone 800-441-0380.

This benefit is not available in Vermont or Washington.

Serious medical conditions such as heart disease, prostate cancer, diabetes, thyroid disease and more, can go undetected for up to two years - without noticeable symptoms. The earlier a problem is detected, the easier and more likely it is to be treatable. You now have direct access to major clinical labs across the USA for those important blood tests – and at discounted prices. Take charge of your health and fitness today!

It is simple: a doctor's appointment is not necessary. All blood tests offered at a savings of up to 80% off typical lab costs and through the same CLIA-certified accredited labs used by your physician.

DirectLabs® services include: Lab, blood, urine, saliva, hair, and fecal tests.

This benefit is not available in MD, NJ, NY and RI.

As an Independence Member you, your spouse and dependents have access to reimbursement up to $4,000 per person for medical evacuation or return of mortal remains if an injury or illness occurs. This service is included in the cost of membership.

Coverage not available in MD, ME, NC, SD

Emergency Helicopter Transportation benefit provides coverage for medical evacuation or return or mortal remains if injury or illness occurs while such person is more than one (1) mile from his/her primary residence. The medical evacuation or repatriation must be ordered by a physician or local Emergency Medical Services (EMS) personnel.

The preceding is only meant to be a brief summary and is not a contract. The policy contains certain limitations, reductions, and exclusions. If there are any conflicts between this document and the policy, the policy shall govern. Please refer to the policy for complete coverage details. Coverage may not be available in all states. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is description only. Actual coverage is subject to the language of the policy as issued (Policy # 9907-08-33). Exclusions Apply. Chubb, Box 1615, Warren, NJ 07061-1615.Note: EPIC Hearing Service Plan is not insurance but EPIC will coordinate any Managed Medicare or Insurance supplemental programs to help reduce your out-of-pocket expense.

The EPIC Hearing Service Plan (HSP) is a program offered to members for hearing diagnostics and evaluation, and for hearing aids. There are no monthly premiums, no enrollment forms, nor any access fees. Simply call the toll-free number for referral to a qualified hearing care professional, and enjoy quality care at fixed and pre-negotiated prices for all hearing care needs.

As a voluntary program, EPIC HSP has no enrollment restrictions and is available to all members of the extended family. The toll-free hotline connects you to an EPIC professional ready to answer all questions and to guide you through the hearing care process. No forms and no upfront fees – just access to care at fixed, low prices. Members and their families will save 20% – 60% off manufacturer brand products.

In addition, EPIC's battery program will ship batteries directly to your home. The cost savings is greater than 40% from standard retail store pricing.

As part of your membership benefits, AFS is pleased to offer the ExtraCare® Health Card, a valuable benefit that can help you and your family save on more than 1,300 CVS/pharmacy brand health-related items.

Members will receive two ExtraCare Health key tags in the mail that can be used by the entire family at any of the more than 6,300 CVS/pharmacy stores nationwide and online at www.CVS.com. Just present the key tag at the register and automatically receive 20% off thousands of CVS/pharmacy Brand health-related items valued at $1 or more (excluding sale items). Eligible items include:

• Allergy Remedies
• Cold Remedies
• Pain Relievers
• Stomach Remedies
• First Aid
• Eye and Ear Care
• Baby Care
• Home Diagnostics

CVS/pharmacy brands are of the same high quality as national brands, but cost much less. Members can save 20% - 40% as compared to a national brand when using the ExtraCare Health Card to purchase the already low priced CVS/pharmacy brand health-related products.

Most of us travel without knowing where to turn during a medical emergency away from home. But Assist America provides you with peace of mind for worry-free travel, knowing you are protected by an array of powerful assistance resources 24/7, anywhere in the world.

The following benefits are available to AFS Members at no additional cost when traveling 100 or more miles from home:

• Medical Consultation - Calls to Assist America are evaluated by medical staff and referred to English-speaking doctors and/or hospitals.
• Hospital Admission Assistance - Assist America will assist with hospital admission outside the United States by validating a member's health coverage or advancing funds to the hospital.
• Emergency Medical Evacuation - Assist America will utilize whatever mode of transport, equipment and medical personnel necessary to evacuate you to the nearest facility capable of providing a high standard of care.
• Medical Repatriation - If a member still requires medical assistance upon being discharged from a hospital, Assist America will repatriate him/her home or to a rehabilitation facility with a medical or non-medical escort, as necessary.
• Prescription Assistance - If a member needs a replacement prescription while traveling, Assist America will help in filling that prescription.
• Compassionate Visit - If a member is traveling alone and will be hospitalized for more than seven days, Assist America will provide economy, round-trip, common carrier transportation to the place of hospitalization for a designated family member or friend.
• Care of Minor Children - Assist America will arrange for the care of children left unattended as a result of a medical emergency and pay for any transportation costs involved in such arrangements.

Call Assist America in the event of an emergency. All services must be arranged and provided by Assist America. No claims for reimbursement will be accepted.

Many other services are available, including emergency trauma counseling, legal referrals, return of mortal remains and much more.

All Assist America services are subject to certain restrictions and are outlined in detail in the Assist America Medical Transport Summary (which supersedes all prior Assist America/Care by Air information). The above information is a partial explanation of these services, offered at the sole discretion of AFS. AFS reserves the right to withdraw or change this offer without notice.

Assist America pays for all of the assistance services it arranges and provides. No claims for reimbursement will be accepted.

It can be a financial strain to be hospitalized for any length of time due to an accident. As an Independence Member, you can rest easier knowing that you have a hospital confinement benefit for accidents included as a part of your membership package. In the event of a covered in-patient stay, you and your family's benefit dollars can be used wherever you need it the most.

Accident Only In-Hospital Benefits:

• Principal Member - $600/day
• Spouse/Domestic Partner* - $500/day
• Dependent Children* - $400/day
• Max. Days Per Year - 100 days
• Benefit Begins - 2nd Consecutive Day - Retroactive to 1st
• Waiting Period - N/A; must be confined two days
• Exclusion/Pre-Existing Conditions - N/A

*Coverage for Spouse and Dependent Children not available with Independence Single Membership.

A covered person is limited to one eligibility either as 1) Primary Member OR 2) Spouse OR 3) dependent child.

Coverage not available in: CO, MD, ME, NC, ND, NH, NJ, NY, SD, VT, WA

*Accident Only In-Hospital benefits are payable if a covered accident results in you being confined to a hospital. If an insured person is age 70 or older on the date of an Accident then the Benefit Amount for Accident Only In-Hospital benefits will be reduced 50% of the Benefit Amount shown above. Accident Only In-Hospital benefits may not be available in all states.

The preceding is only meant to be a brief summary and is not a contract. The policy contains certain limitations, reductions, and exclusions. If there are any conflicts between this document and the policy, the policy shall govern. Please refer to the policy for complete coverage details. Coverage may not be available in all states. Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. This literature is description only. Actual coverage is subject to the language of the policy as issued (Policy # 9907-08-34). Exclusions Apply. Chubb, Box 1615, Warren, NJ 07061-1

Day(s) of Confinement means a day of hospital confinement as an inpatient.

Instant Care, a leading provider of Personal Emergency Response Systems, will provide you 24/7 Emergency Response (fire, police, medical) when you need it and 24-hour access to a Nurse Helpline. This valuable service helps prevent medical emergencies, reduces health care costs, and promotes independence for those who live alone.

AFS Members pay only $31.96 per month, a 20% discount.

AFS Independence Membership provides you and your spouse* with Member and Dependent Group Term Life Insurance Coverage from Metropolitan Life Insurance Company (MetLife). No additional contribution is required in order for this insurance protection to be provided.

Member Term Life Insurance Coverage

• Primary Member - $5,000
• Spouse* - $2,500

A 120-day waiting period is required. At age 60 group life insurance benefits reduce 75% and then cancel at age 65. In certain circumstances a conversion privilege to an individual policy may apply (subject to changes from group coverage in terms and conditions including changes in premium costs).

Members may designate a beneficiary for their life insurance benefits by filling out and returning a Beneficiary Designation Form.

Like most group life insurance policies, MetLife group policies contain certain exclusions, limitations, terms and conditions for keeping them in force. Please contact Americans for Financial Security Member Services for complete details or to obtain a copy of the policy.

Coverage is provided through a group life insurance policy issued by Metropolitan Life Insurance Company, New York, N.Y. (MetLife) to the Americans for Financial Security, Group Policy (Form GPNP99-ASSN) sitused in the District of Columbia, with certificates of insurance (Form GCERT2000) issued to each insured Member. Life insurance coverage of members in other states will be subject to any applicable legal requirements of such states.

*Coverage for Spouse not available with Independence Single Membership.

Not available in ME, WA.

Imagine the convenience and safety of having prescription medications delivered right to your door. For a new prescription, simply send in a completed mail service order form along with the original prescription from your doctor and any applicable payment.

• No deductibles
• No annual maximums
• No drug exclusions
• No claim forms to file
• Order refills via phone or online
• Receive new prescriptions within 14 business days
• Save on 90-day supplies of your maintenance prescription drugs, like those used for high blood pressure or allergies

THIS IS A DISCOUNT PROGRAM AND IS NOT INSURANCE. DISCOUNTED FEES ARE DUE AT TIME OF SERVICE. DISCOUNTS ARE ONLY AVAILABLE FROM PARTICIPATING PHARMACIES. Administered by CVS Caremark, Inc., 7034 Alamo Downs Parkway, San Antonio, TX 78238.

MEDPro provides prescription assistance services to individuals and families in need of relief from paying retail costs for medications. Many individuals and families without prescription coverage, limited prescription coverage or having a medical hardship, have difficulty paying for their medications and don’t know where to get help. Prescription Assistance Programs alone cannot solve all the problems facing the uninsured or underinsured but it can help ease the financial burden many face with the high cost of prescription medications.

You can count on MEDPro to:

• Conduct an initial evaluation of your particular situation
• Match your individual prescriptions to the appropriate programs
• Review and verify the eligibility requirements for each program
• Let you know the options and recommend the programs that meet your needs

With the MEDPro program Association members will have access to over 4,000 medications – 70% more than MEDPro’s competitors. Medications are purchased in a 90 day supply but some are available in a 30 day supply.

Qualification is based on income and when you apply you will receive a complimentary case evaluation. The approval process takes 24 - 48 hours. Once approved in the program, there will be a one-time setup fee of $25 . You will next receive an enrollment packet to complete and return to MedPro. When MedPro receives your completed enrollment forms, the remainder of the enrollment process takes 4 to 6 weeks. The program is ongoing for 12 months, after which time you will need to re-enroll* and re-verify income. An administrative fee of $20 per medication will be charged each month. The average customer purchases 3 to 5 medications per month.

This is not an insurance program. MEDPro is an administrative services company only. Information provided is utilized for these programs only.

*A $20 enrollment fee will apply.

If you experience a medical emergency, a subscription to My Notification Service will notify your friends and family, and apprise medical staff of your current medications and conditions you may have. Members will receive a wallet ID card and stickers for the back of a license or photo ID. Services include:

• Notification of up to nine contacts -- such as family, friends, or business associates -- by phone, text message, or email
• Forwarding of potentially life-saving medical information to any hospital to assist in your treatment

AFS Members save 40% off retail and pay a low annual rate of only $17.97 per person. Other plans and rate options are available.

Teladoc is a national network of board certified physicians providing cross coverage consultations 24 hours a day, 365 days a year. Teladoc physicians use electronic health records and telephone consultations to diagnose, recommend treatment and write short-term prescriptions. Teladoc does not replace the existing primary care physician relationship, but instead enhances it with an efficient, cost-effective alternative for minor medical problems.

You can access this service wherever you happen to be: your home, office, hotel room, or vacation campsite. Simply make a phone call, and in most cases, speak to a doctor in less than an hour.

Call Teladoc:

• When your physician is not available
• For non-emergent medical care
• After normal hours of operation
• When on vacation or a business trip
• For second opinions

Teladoc treats conditions like:

• Sinus infections
• Respiratory conditions
• Urinary tract infections
• Allergies
• Bronchitis
• Sore throat
• Pink eye
• Cold or flu

©2017 Teladoc, Inc. All rights reserved. Teladoc and the Teladoc logo are trademarks of Teladoc, Inc. and may not be used without written permission. Teladoc does not replace the primary care physician. Teladoc does not guarantee that a prescription will be written. Teladoc operates subject to state regulation and may not be available in certain states. Teladoc does not prescribe DEA controlled substances, nontherapeutic drugs and certain other drugs which may be harmful because of their potential for abuse. Teladoc physicians reserve the right to deny care for potential misuse of services.

In Arkansas and Delaware, the first visit must be by video and future visits can be by phone or video.

AFS Members enjoy a 20% discount from 1-800-flowers.com^® throughout the year.

The 1-800-flowers.com Family of Brands has expanded to include Harry & David^®, Fannie May^® fine chocolates, The Popcorn Factory, Cheryl's^® cookies, and more! There is somethign for every occasion, holiday, sentiment, and special event.

• Premium Quality Gift Baskets
• Delicious Gifts of Candy, Fruits, and Cookies
• Fine Bakery Creations
• Fresh-popped Gormet Popcorn and Treats
• The Finest Cuts of Premium Meats
• The Freshest Flowers and a Wide Selection of Plants
• Plus More

Floral and gift orders may be placed 24 hours a day, 7 days a week by phone or through the corporate website. Same day delivery on Florist delivered items when ordered before 1 p.m. in recipient time zone.

AFS has teamed with 1-800-PetMeds^® to save you time and money on pet medications and supplies for dogs, cats, and horses, delivered direct to you

America’s largest and most trusted pet pharmacy, 1-800-PetMeds^® services over one million customers nationwide from one location, guaranteeing the lowest prices on all your pet’s health care needs! AFS Members receive a 10% discount on select products.

Shop 1-800PetMeds for:

• Prescription medications
• Non-prescription medications
• Vitamins
• Supplements
• Pet supplies

1-800-PetMeds^® provides only U.S. FDA/EPA approved pet medications. Their state-of-the-art pharmacy includes specially-trained veterinary pharmacists, pharmacy technicians, and customer care representatives, to make sure your orders are processed accurately and quickly.

You will also enjoy their extraordinary pet pharmacy that will help you with any questions you may have on filling the prescriptions on your pet medicines. And they guarantee your complete satisfaction or your money back! It's easy, just place your order for all your pet needs and receive free shipping on all orders above $49*. They will take care of the rest!

*Does not include food and supplies.

As a new AFS Member, you receive $250 in PremierPoints in your own online account. Plus an additional $50 in Points will be deposited each month you remain an active member. These points translate into savings on thousands of items you already buy!

Use your Points to save on your favorite hotels, enjoy 10% off gift cards to popular retailers and restaurants, and take advantage of huge savings on merchandise from clothing to jewelry, gifts, home décor, and much more. Benefit from everyday savings on brands like Marriott, Macy’s, T.G.I. Friday’s, and many others. Plus, check out the Daily Deal for unbelievable savings on a different item each day while it lasts !

Use your PremierPoints to:

• Save up to 40% on 13,000 hotels and condos worldwide
• Get up to 80% savings on the Daily Deal
• Save an average of 46% on software
• Enjoy 10% off on popular dining and retail gift cards
• Find deals on jewelry, apparel, electronics, cruises, and more

As an AFS Member, you have access to discounts for theme parks and attractions all over the country:

• Busch Entertainment Theme Parks, including Busch Gardens & SeaWorld
• Hershey Park and Zoo America
• Six Flags Theme Parks
• Hurricane Harbor
• Universal Studios
• And more!

Whether you have a flat tire, dead battery or you lock your keys in the car, emergency roadside assistance is just a phone call away. Members simply call the toll-free dispatch number for authorized “sign and go service." Emergency Road Service* provides coverage up to $125 per event if your car becomes disabled and services are performed by a commercial garage, locksmith or wrecker. You must call Association Motor Plan to activate coverage for a spouse and/or dependent children.

• 24-hour service with toll-free access anywhere in the U.S., Canada and Mexico*.
• Trip Interruption Reimbursement Plan provides up to $250 per member ($500 maximum) through the Association Motor Plan if your vehicle is disabled due to a collision that occurs 100 miles or more from home. These funds will reimburse you for meals, lodging, car rental and commercial transportation. Benefit does not apply to parked vehicles, breakdowns or mechanical failures)

Reimbursable and Sign & Go services include:

• Towing
• Jump Start
• Lockout Service
• Winching Out
• Fuel Delivery
• Tire Change
• Delivery/installation of parts at the disablement site

These brief summaries do not constitute a complete description of the benefits available to members. Please refer to the Association Motor Plan benefits and services manual.

*The Emergency Road Service benefit does not provide for the cost of a tire, battery, parts or gasoline. Road service for truck-sized needs is limited to single rear-axle trucks. Refers to single-rear-axle vehicles, dirt bikes and ATVs are excluded from all benefits and services. Dispatch service is not available in Mexico; reimbursement only.

As an AFS member, you can save up to 20% every time you rent with Budget®. Plus, you can always count on the great products and services that make Budget such a smart choice, including:

• Fastbreak^® - With our enhanced paperless rental service, you can skip the lines and Get In, Get Out and Get Going® fast.
• Budget e-Receipts^TM - It's our paperless alternative to rental receipts. Within 24 hours of returning your vehicle, your receipts will be e-mailed to you, free of charge.
• where2^® GPS - Discover new destinations with audible turn-by-turn directions, real-time traffic updates, local restaurants, attractions, and more.
• Budget e-Toll^TM - No more waiting in long toll lines. Now you can pay your tolls electronically by driving through designated electronic toll collection lanes. And it starts at $2.50 a day plus tolls.

The services listed above are optional and some are available at select locations for an additional fee.

Experience Corporate Class on a personal level and save every time you rent with Enterprise Corporate Class Business Membership.

Members receive up to 5%* off standard daily rates at over 6,000 neighborhood and airport locations across North America.

*Discount valid for rentals reserved in advance at participating locations. Up to 5% applies to airport and neighborhood locations. Discounts may vary by location and time of rental. Discount does not apply to taxes, surcharges and optional products and services including damage waiver at $30 or less per day. Other restrictions may apply.

This program provides personalized financial education and counseling through a variety of delivery methods including telephone, live chat sessions, web based courses and tools. For only $46.50 per year through Legal Club^® (retail value $76.00) a 40% savings off of retail, services include:

• Free Consultations – 24 hours a day, 7 days a week
• Credit & Debt Counseling by Certified Credit Counselors
• Five private self-paced courses that teach skills needed for smart money management
• Housing Advisory Services
• Life Events Counseling, 24-hour for crisis and urgent needs management
• Online Tools, Articles, & Resource Materials

AFS Members save up to $1,000 or more simply by using the $1,000 Grocery Coupon online program.

With GrocerySavers, the savings are tremendous!

• Select coupons you want for name-brand products you use
• Program is supported by a money-back guarantee
• Easy ordering online

Members receive one complimentary grocery coupon authorization code*. Additional codes are $4.95 each.

*Depending on membership level

Save up to 15% off daily member benefit rates and 10% off standard daily, weekly and weekend rates at participating Hertz® locations. Special international discounts are also available.

Bonus from Hertz - AFS frequent renters can eliminate unnecessary paperwork and waiting in long lines. Take advantage of the Hertz #1 Club Gold®, the fast easy way to rent a car around the world.

Save on your hotel stay at thousands of hotels and resorts. From the weekend getaway to a fabulous European vacation, this program is your V.I.P. ticket to savings. Save 10% to 70% off the best available rate at 26,000 locations nationwide.

Members receive one complimentary Hotel Access Card*. Additional cards are $6.95 each.

*Depending upon membership level

AFS Members save up to 20% off the “Best Available Rate” at participating Wyndham Hotel Group properties worldwide!

Whether you are looking for an upscale hotel, an all-inclusive resort or something more cost-effective, Wyndham has the right hotel for you… and at the right price. So start saving now.

Reserve your room today at one of these fine hotels:

• Wyndham Hotels & Resorts^®
• Wyndham Grand^® Hotels & Resorts
• Wyndham Garden^® Hotels
• Wingate by Wyndham^®
• Hawthorn Suites by Wyndham^®
• Ramada^®
• Super 8^®
• Baymont Inn & Suites^®
• Days Inn^®
• Microtel Inns & Suites by Wyndham^®
• Howard Johnson^®
• Travelodge^®
• Knights Inn^®
• TRYP by Wyndham^®

©2017 Wyndham Hotel Group, LLC. All rights reserved. All hotels are either franchised by the company, or owned and/or managed by Wyndham Hotel Management, Inc. or one of its affiliates.

*The discount is off of the Best Available Rate and may be less than 20%. “Best Available Rate” is defined as the best, non-qualified, unrestricted, publicly available rate on the brands sites for the date and accommodations requested. Certain restrictions may apply. Offer not valid if hotel is called directly; caller must use toll free number provided. Advanced reservations are required. Offer is subject to availability at participating locations and some blackout dates may apply. Discounted rates vary by location and time of year. Offer is void where prohibited by law and has no cash value. Dolce Hotels and Resorts^® is not a current participant in the member benefit program.

With the Legal Club^® Family Legal Plan, you will have access to a nationwide network of qualified attorneys, which you will be referred to based on the area of law you require, language spoken and geographic location of your case.

Members enjoy numerous free services including:

• Initial phone and one-on-one consultations for each new legal matter
• Document review by legal specialists (6 page maximum per new matter)
• Simple Will preparation with free annual updates for you and your family
• When appropriate, Plan Attorneys will make initial phone calls and write initial letters on your behalf
• Fixed-fee discounts on commonly used legal services
• Discounted hourly rate of $125 for any extended legal care, or when appropriate, a 40% discount off the plan attorney's usual and customary hourly rate

This program is not insurance coverage. May not be available in all areas.

AFS Members have access to valuable features and benefits, including special group discounts on auto and home insurance. With MetLife Auto & Home you can:

• Take advantage of group discounts
• Save more with multi-policy discounts and multi-vehicle savings
• Choose from a variety of insurance policies to fit your coverage needs

Plus, if you decide to choose MetLife Auto & Home, we'll help you make the switch quickly and easily.

Homeowners Insurance not available in Flordia and Massachusetts. MetLife Auto & Home is a brand of Metropolitan Property and Casualty Insurance Company and its affiliates: Metropolitan Casualty Insurance Company, Metropolitan Direct Property and Casualty Insurance Company (CA Certificate of Authority: 6730, Warwick, RI), Metropolitan General Insurance Company, Metropolitan Group Property and Casualty Insurance Company (CA COA: 6393; Warwick, RI) and Metropolitan Lloyds Insurance Company of Texas, all with administrative home offices at 700 Quaker Lane, Warwick, RI 02886. Coverage, rates and discounts are available in most states to those who qualify. 1101-0071 © 2011 MetLife Auto & Home L0111156684(exp1213)(All States)

Through AFS, you can see the box office hits for less! Purchase discounted movie tickets accepted nationwide at these theaters:

• AMC Theaters
• Cinemark Theaters*
• Regal Entertainment

NOTE: Prices are subject to change. Some restrictions apply. All purchases are final: no refunds, no exchanges.

*Includes Cinemark, Century Theatres, CineArts, Tinseltown, and Rave Cinemas

**Includes Edwards Theaters, UA Theaters and Regal Cinemas

Save at least 50% on your interstate move and lower the stress of moving.

To ensure your AFS discount, you must call Cord Moving and Storage Company. The van line company will have a local agent contact you. If you contact the local company yourself, you are not guaranteed the AFS discount.

Some restrictions may apply.

Save up to 60% on entertainment, travel, and shopping at hundreds of retail partners through Working Advantage.

Working Advantage provides AFS Members with access to discounts on:

• Movie tickets
• Amusement parks
• Broadway theatre
• Sporting events
• Health & fitness
• Office supplies
• And much more

Pets get sick. They get hurt, too. And though you can't predict when something will happen, you can be prepared when it does with pet insurance from Nationwide.

Pet insurance from Nationwide is affordable, comprehensive, and easy to use. Coverage is available for accidents, illnesses, and preventive care.

Receive preferred pricing when you enroll through AFS. Save up to 15% when you enroll multiple pets.

Why Nationwide?

• Highest overall payouts
• Lowest average premiums
• Use any veterinarian

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply. Insurance plans are offered and administered by Veterinary Pet Insurance Company in California and DVM Insurance Agency in all other states. Underwritten by Veterinary Pet Insurance Company (CA), Brea, CA, an A.M. Best A+ rated company (2016); National Casualty Company (all other states), Columbus, OH, an A.M. Best A+ rated company (2016). Nationwide and the Nationwide N and Eagle are service marks of Nationwide Mutual Insurance Company. ©2017 Nationwide.

AFS Members qualify for special program rates from PODS^®. AFS Members save 10% on initial delivery and the first month's storage! Plus receive a 5% discount on long distance moves.

Moving:

• Pack at your own pace
• Ground-level loading
• No renting or driving a truck

Storage:

• Secure, clean Storage Center
• Lock it, and you keep the only key
• Pack once - no repacking

Available only at participating locations. Offer void where prohibited by law. Please call or visit our website for service locations and details of offer. Must mention promotional code at time of order. Cannot be combined with any other offer. For local moves, 10% off initial local delivery and first month's storage, except when better discounts are in place locally. Additional mileage charges may apply if outside our standard delivery area. For moves between two different PODS company-owned and/or franchisee territories. 5% off first month's storage, administrative fees, and transportation costs. Some restrictions may apply.

Sylvan’s personalized approach to learning builds the exact skills, habits and attitudes your child needs to experience success in school and in life. As an AFS Member, you receive 50% off the Sylvan Skills Assessment. This assessment pinpoints your child’s strengths and needs and the results are used to create a personalized learning plan tailored to those specific needs. In addition to the assessment discount, as a valued member of AFS, you also receive 15% off your child’s Sylvan program. In addition, with Sylvan your child’s success is guaranteed.*

Sylvan Learning is the premier provider of pre-K -12 tutoring services in North America. With nearly 900 locations in the United States, Sylvan provides individualized tutoring services both in centers and online in subjects including math, language arts, writing, study skills and more.

*Guarantee based upon the results of the initial and follow up Sylvan Skills Assessment^®. Valid at participating locations only and for certain programs only. As your local Sylvan for complete details. Some restrictions apply.

ADP^®RUN^SM was specifically developed for the small and emerging business in order to provide cost-effective and efficient payroll and Human Resource services.

• Reduce time, and save money – ADP handles your payroll tax deposits and returns (940, 941, SIT and SUI) and delivers paychecks (or offers direct deposit)
• Flexible hours reporting via internet, phone or mobile phone (iPhone, Android, Blackberry)
• 30% discounted rates for AFS Members
• ADP assumes liability for timeliness and accuracy of payroll tax deposits and filings. Perfect for 1-2 employee S-corps
• Inquire about HR411 Complete for employee handbooks, online background checks and access to a licensed HR consultant
• Pay-by-Pay Worker’s Compensation Insurance...quotes available upon request
• Simple IRA available for les than $400 a year. Tax credits apply.

Association Members save 50% off the retail price of A-Systems' comprehensive accounting/business management software for small business. Over 40 sessions of multimedia training valued at $200 is included at no charge. A-Systems Corporation has been creating affordable accounting software for small businesses since 1978. This software provides smaller companies with the same kind of business management tools used by big companies. A-Systems makes these tools easy to use, so a novice bookkeeper can look like a professional.

At BizFilings.com, you can incorporate your dream business in less than 10 minutes. BizFilings' affordable step-by-step process makes forming a corporation or LLC easy, so you can spend more time running your business. Use a full range of business filing and compliance products, including:

• Incorporation Services
• Business License Packages
• Doing Business As (DBA) Registration

With more than 500,000 satisfied entrepreneurs and counting, you can count on BizFilings to get the job done right.

Protection of your business assets is essential for long-term success. AFS is pleased to provide access to its members with The Hartford Insurance Company.

Comprehensive General Liability Coverage with:

• Per occurrence/general aggregate limits up to $2,000,000/$4,000,000, umbrella limits up to $25 million, damage to premises, completed products coverage, advertising injury, additional insured coverage, legal defense costs outside the policy limits, contract liability and corporate subsidiaries coverage, and more.

Flexible Property Coverage and limits that can be tailored to your specific needs:

• Buildings, business personal property, computers & data, equipment breakdown, accounts receivable, travel/transit, debris removal, business income, electronic vandalism, green coverage, civil authority, and much more.

May not be available in all states. Applications subject to underwriting. Coverage is subject to terms and conditions of Policy.

Professional Errors & Omissions Liability Coverage

E & O coverage can protect your business with exclusive liability coverage for any act, error or omission that arises from your professional service in the event of litigation. Your AFS Membership provides access to a variety of insurance companies that offer premier liability coverage. Coverage is subject to the terms and conditions of the policy.

Easy application process and prompt processing.

• Annual limits ranging between $100,000 to $1 million any one loss and in the aggregate [including costs and expenses]
• Average minimum deductible of $2,500
• Available with or without existing errors and omission coverage or if current coverage is near expiration date
• Affordable premiums based on your profession

Application subject to underwriting guidelines. Coverage is subject to terms and conditions of Policy. May not be available in all states.

Electronic Check Recovery Services

Receive 100% of the face amount of NSF checks collected without having to contact your customers or send collection letters. American Business Solutions has revolutionized the collection of NSF checks through its electronic check recovery system.

• No machines to buy or lease
• No monthly services or annual fees
• Reduce the number of bad checks by up to 30%

You must contact American Business Solutions to activate this service before processing can begin. Banking industry rules do not allow processing of any checks received prior to sign up.

The AFS Shipping Program, managed by PartnerShip®, offers business members significant discounts on domestic and international small package shipments through FedEx, as well as substantial discounts on copying and printing services at select FedEx Office locations nationwide. The program enrollment is FREE, with no obligations and no minimum shipping requirements to participate.

Small Package Shipments

• Save up to 27%* on select FedEx Express^® services
• Save up to 15% on select FedEx Ground^® services
• Save up to 10% on select FedEx Home Delivery^® services

Print & Copy Services

• Save 20% on select black and white and color printing and copying
• Save 10% on select finishing services, signs, and graphics

Please note: FedEx discounts are only available to business members, and are subject to FedEx terms and conditions.

*Includes a bonus 5% online processing discount. For full FedEx offer, terms, contact your association or PartnerShip. All FedEx shipments are subject to the applicable FedEx Service Guide at fedex.com. FedEx service marks used by permission.

AFS Members can save on freight costs through MESCA’s specifically designed program for shipping, e-commerce and fulfillment solutions. Your business can select from an array of service options, including:

• Less Than Truckload (LTL) discounts
• Small package discounts
• Full truckloads throughout the U.S., Canada, and Mexico
• Logistics and Supply Chain Solutions
• Transportation Management Systmes (TMS) technology

Let MESCA Freight Services manage your freight...so you can manage your business.

Hewlett-Packard (HP), the world's largest technology provider, is an AFS partner. Benefits include:

• Exclusive pricing on select business products, including PCs, notebooks, printers, and more
• Custom builds not available to the general public
• Free U.S. Ground shipping
• Private shopping website for AFS Members
• Dedicated U.S.-based representatives to answer your questions

>Members have access to America’s premier provider of identity theft resolution services with CyberScout and the Lifestages^® Identity Management Services. Use the proactive tools and recovery assistance to quickly respond to an identity or fraud crisis. Benefit from essential identity theft protection and resolution services, educational tips and resources.

This service is included in the cost of your membership, no matter how often you need to talk to a fraud specialist. Services include:

• Proactive services — if your wallet or purse is lost or stolen, or anytime you suspect your identity might be vulnerable, an experienced fraud specialist will place a free fraud alert, when appropriate, and offer guidance.
• Resolution services — provides step-by-step guidance through the identity resolution process from start to finish. Your personal fraud specialist works with you to help prepare notification letters, work with government agencies and creditors, and stop fraudulent bills and charges. Victims of identity theft are provided with one year of free fraud-monitoring services.
• Document replacement assistance — provides help in replacing lost, stolen or destroyed identity documents, including Social Security cards, birth certificates, passports and driver’s licenses.
• Access to identity protection tips and tools — help keep you and your family safe.

AFS Members have access to a national network of attorneys in every field of law that provide members with free and discounted legal services. The small-business plan enables you to have a legal expert review documents, make calls and follow-up calls, write letters and other documents on your behalf, consult with you on arising legal matters, and represent you on out-of-court and in-court legal hearings.

Attorney-provided free legal services include:

• Quarterly review by a plan attorney of up to five independent documents (10 pages each)
• Two initial phone calls per month made on behalf of your business
• Initial collection letters per quarter (10 maximum)
• Consultation for each new legal matter (30-minutes each)

The plan also features:

• Guaranteed low hourly rates
• Contingency fee discounts

This program is not insurance coverage. May not be available in all areas.

A low-cost, easy and effective method for collecting on delinquent accounts is available with your AFS Membership. For one flat fee per account, NCSPlus will take action on your behalf. Simply complete a pre-ordered NCSPlus Claim Form (one form per delinquent account), and return to NCS for processing. No matter how old the account is and regardless of the balance due, NCSPlus has the solution.

Choose from three programs based on the delinquent account balances. Each program includes

• Letter from a debt collection attorney
• No commissions or additional costs — you keep 100% of the money recovered
• Unpaid claims can be reported by request to Experian, TransUnion and Equifax credit bureaus at no additional charge to you
• No expiration date on claims ordered

Minimum number of accounts required.

Take advantage of TSYS’ FREE, no-obligation payment processing savings analysis. And with specially negotiated rates for AFS members, you can be confident you are getting the best possible rates for your business. In fact, in 2015 businesses saved an average of $1,205 per year after switching to TSYS.

Pitney Bowes all-in-one mailstation 2^TM digital mailing system with its built-in-scale lets you weigh and calculate postage at the touch of a button. You get exact postage every time - no guesswork. You can download postage 24/7 either online or thru an analog phone line! No more trips to the post office! Increased productivity and reduced costs makes the Pitney Bowes® mailstation 2 a valuable small business postage meter.

As an AFS Member, you receive special pricing and bonuses on telephone and Internet services.

• Toll-free numbers - keep your existing number or new service
• Interstate outbound long distance rates as low as 3.3 cents for residential and business
• Cell phone programs with NO CONTRACT - keep your existing number
• All services on one easy-to-read bill

AFS Members have unlimited access to ProTalk^® business consultants. Over the years the ProTalk team has consulted with over 80,000 small-business owners saving them over $7 million in professional fees. Existing and aspiring enterpreneurs can get answers to questions such as:

• Starting a new business or expanding an existing one
• Buying or selling a business
• Marketing and advertising plans
• Dealing with government regulations
• Copyrights, trademarks, and patents

No matter what your questions are, the team of ProTalk consultants are available to help your business grow.

AFS Members have online access to CPA advice on all your tax questions at no additional charge. ProTax offers complete and confidential answers to your questions within two business days.

AFS has teamed with Intuit^®, the makers of QuickBooks^® financial software. QuickBooks gives you the power to manage your business more effectively by providing you with fast, easy and integrated solutions to meet the needs of your business. Whether you’re looking for financial, customer or retail management software, QuickBooks has a solution for you

If you’ve ever bought or sold a home, you know that every penny counts. Now, through special arrangements for AFS Members, you can save hundreds or even thousands of dollars on your next real estate transaction.

As a member you can receive a 20% rebate* on the selling or listing side of the real estate commission when you buy or sell your residential property, investment property, or land using Member Benefit Services. When you call Member Benefit Services, you will be matched with an agent with valuable expertise in the local market.**

We also offer members moving services from recognized local and nationwide van line carriers at preferred discount rates.

*Rebates are subject to state law and changes occur regularly. Most states allow rebates. Please contact Member Benefit Services for up-to-date information.

**To take advantage of the program, you must call Member Benefit Services before contacting an agent. No rebate is available if you call an agent directly.

AFS Members have a one-stop shop for tax advantaged benefit plans. Select the one below that best suits your needs:

• Micro-business Member
• BASE^® HRA - Qualifying members can deduct up to 100% of their health insurance premiums and non-insured medical expenses from federal, state, and self-employed taxes. The typical Section 105 BASE® Health Reimbursement Arrangement (HRA) customer saves more than $4,500 on average in taxes per year. Save $44 and enroll at the special AFS Member rate of only $280 for the first year — regularly $324.
• SamplePay^® - Professional payroll assistance for BASE® HRA clients only. Reduce payroll assistance costs by as much as 70%. AFS Members pay only $180 per year.
• Employer With Multiple Employees
• BASE^® 125 Cafeteria Plan - This plan offers Premium Only Plan (POP), Flexible Spending Account (FSA), and Dependent Care Assistance Plan (DCAP). The setup fee for AFS Members is $250, a $100 savings.
• BASE^® Integrated HRA - BASE® Integrated HRA is a solution for employers with a group health insurance plan in place who are looking to reduce the overall cost of insurance coverage. This reimbursement program is designed to assist employees with medical expenses. The setup fee for AFS Members is only $250, a $100 discount.

NOTE: The Affordable Care Act may not allow the reimbursement of health insurance premiums based on your business size and plan design. BASE^® HRA, BASE^® 125 Cafeteria Plan, BASE^® Integrated HRA, BASE^® Excepted Benefits HRA, and SamplePay^® are offered by Benefit Administration for the Self-Employed^TM (BASE^®). BASE^® HRA, BASE^® 125 Cafeteria Plan, BASE^®Integrated HRA, and SamplePay^® are registered trademarks of BASE^®.

This program provides affordable, yet comprehensive, technical services from remote and on-site support to data backup and protection against security threats. Members may purchase for $179.50 per year through Legal Club^® (retail value $299.40) a savings of 40% off of retail. Services include:

• One hour per month secure remote technical support
• Onsite technical support available at an additional cost
• 5 Gigabytes data backup
• Key-logging defense system
• Firewall protection
• Internet and system cleaner
• File shredder
• Free teleconferencing

AFS Members receive up to a $15 discount on the #1 online tax preparation program. TurboTax® Online makes filing your taxes easy...and it’s quick and affordable, too.

• Prepare your taxes for free and pay only when you're ready to print or file
• No software to install
• File electronically and get your refund faster

Most fraud takes place under the radar. Victims can be damaged and even ruined financially before they even know what happened.

Members can have access to increased identity protection with this tri-bureau credit monitoring that provides a single report from the three major credit-reporting agencies, enabling you to take quick, proactive action to minimize damage when fraud is detected. This web-based monitoring service scours public and private databases for the presence and possible misuse of your identity and credit data and sends alerts to you about potential unscrupulous activity.

Services include:

• Free monitoring and alert service.
• Access to annual 3-in-1 credit reporting that merges information the credit bureaus - TransUnion, Experian, and Equifax - including credit scores.
• Unlimited access to a fraud specialist to assist you with any suspicious discoveries. If you do become a victim of identity theft, your membership also includes access to identity theft resolutions services.