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By enrolling in VSP’s Individual Vision Care Policy, you indicate you have read the following terms and conditions of the plan.

Terms & Conditions

THIS POLICY PROVIDES VISION BENEFITS ONLY.

Careington International Corp. (“Careington”) provides customer service, billing services, and fulfillment services for this VSP product offering.

Content on this page provides a brief description of the important features of your policy. It is not all-inclusive. Please refer to your policy for the actual terms and conditions that apply. In the event there are discrepancies with the information on this page, the terms and conditions of the policy will govern.

Monthly Installment Option: If you selected the monthly installment payment option for the benefit term, you agreed to pay the required premiums for the full policy term:

Monthly payment installments are billed one month in advance. If you choose the same month effective date, your first payment will cover two installment periods, the current month and the next month, simultaneously. Your next payment will be withdrawn the following month on or around the reoccurring auto-payment date you select.

Renewal: This Policy is renewable at the option of the Policyholder and will automatically renew so long as premiums are paid in a timely manner, the Policyholder has not performed an act or practice that constitutes fraud and VSP continues to offer this plan. VSP will not cancel coverage under the Policy because of a Covered Person’s health status requirements for vision care services. We will mail a renewal letter to you on or around sixty (60) days prior to your auto-renewal. Non-receipt of the renewal letter does not constitute cancellation of this policy. To make changes to your current plan, call Member Services at 800.785.0699 prior to your policy renewal date. If payment is not received for any reason, VSP may cancel your plan after thirty (30) days from when your premium was due.

Right to Return the Policy: You are permitted to return the Policy within thirty (30) days of its delivery to you and have the premium paid refunded, less the processing fee, if after examination of the Policy you are not satisfied with it for any reason. If you return the Policy to VSP at its home office it shall be void from the beginning. This means that you will be responsible for payment in full of any services received or materials purchased from the Policy effective date to the date the Policy is voided. You must submit a written cancellation request to VSP Member Services at: %EMAIL%

Other Insurance Coverage: VSP cannot coordinate plan benefits payable under this Policy with any other private or government insurance plan, including any other plan underwritten by VSP.

Grace Period: Unless, not less than thirty (30) days prior to the premium due date VSP has delivered to the Policyholder, or has mailed to the Policyholder’s last address as shown by VSP’s records, written notice of its intention not to renew this Policy beyond the period for which the premium has been accepted, a grace period of thirty-one (31) days will be granted for the payment of each premium falling due after the first premium.

Limitations, Exclusions & Exceptions:

Some brands of spectacle frames and lenses may be unavailable for purchase as Plan Benefits, or may be subject to additional limitations. Covered Persons may obtain details regarding frame brand availability from their VSP Preferred Provider or by calling VSP’s Customer Care Division at 800-877- 7195.Copayments and other out-of-pocket expenses apply to the eye examination and/or to the purchase of most materials. Services or materials of a cosmetic nature are not covered under this policy. Medical services and supplies are not covered under this policy. Each person covered under this policy will have higher out of pocket expenses if they use a doctor who is not part of VSP’s provider network.

Healthy Vision Association:

Membership in the Healthy Vision Association gives you access to enroll in an individual vision insurance plan from VSP Vision Care and other discount programs on goods, services and information. Visit www.healthyvisionassociation.com for details on the discount programs. Membership in the Healthy Vision Association is available in all states; however, the Association does not have individual vision insurance policies available in Florida, New York, Oregon, or Washington.

If You Elect to Purchase the Dental Discount Plan the Following Terms and Conditions Apply

This Dental Discount Plan is a discount membership program. Careington is not a licensed insurer, health maintenance organization, or other underwriter of health care services. No portion of any dental provider’s fees will be reimbursed or otherwise paid by Careington. Careington is not licensed to provide and does not provide medical services or items to individuals. You will receive discounts for services at certain healthcare providers who have contracted with the plan. You are obligated to pay for all health care services at the time of service. Savings are based upon the dental provider’s normal fees. Actual savings will vary depending upon location and specific services or products purchased. You are responsible to verify such services with each individual dental provider. The plan’s discounts may not be used in conjunction with any other discount plan or program. All listed or quoted prices are current prices by participating dental providers and subject to change without notice. Any procedures performed by a non- participating dental provider are not discounted. From time to time, certain dental providers may offer products or services to the general public at prices lower than the discounted prices available through this Dental Discount Plan. In such 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 dental procedures. Dental providers are subject to change without notice and services may vary in some states. It is the member’s responsibility to verify that the dental provider participates in the plan. At any time Careington may substitute a provider network at its sole discretion. Careington cannot guarantee the continued participation of any dental provider. If the dental provider leaves the plan, you will need to select another dental provider. Dental providers contracted by Careington are solely responsible for the professional advice and treatment rendered to members and Careington disclaims any liability with respect to such matters.

Renewal Conditions:

By joining a plan, you are authorizing Careington to bill your credit card or checking account for the plan you have selected. This charge shall renew until you notify Careington in writing of its cancellation. By joining you indicate you have read the terms and conditions of the plan. <i>This plan will automatically renew at the end of your membership term, and your credit card or bank account will be automatically charged or drafted for the appropriate amount.</i>

Termination Conditions:

Careington reserves the right to terminate plan members from its plan for any reason, including non-payment. If Careington terminates the plan or your membership for a reason other than non-payment, you will receive a pro-rata refund of your membership fees.

Cancellation Conditions:

You have the right to cancel within the first 30 days after receipt of membership materials (FL residents: your 30 days begin after the effective date) and receive a full refund, less the processing fee, if applicable. If for any reason during this time period you are dissatisfied with the plan and wish to cancel and obtain a refund, you must submit a written cancellation request. Careington will accept cancellation requests at any time and will stop collecting membership fees in a reasonable amount of time, but no later than 30 days after receiving a cancellation notice. Please send a cancellation letter and a request for refund with your name and member ID to Member Services, Careington International Corporation, P.O. Box 2568, Frisco, TX 75034 or fax to 888-335-7330. You may also submit cancellation requests by email: %EMAIL% When you cancel, you will continue to have access to the plan for the remainder of the period for which you have paid; your membership will terminate at the end of that period. The preceding sentence does not apply to quarterly, semi-annual or annual memberships in ND and OK, where you will receive a pro-rata refund whenever you cancel.

Description of Services:

Please see the enclosed materials for a specific description of the programs included in your plan.