Welcome Employee! LibertySmart gives you advantages you have never had before!

For the first time, your specific health care needs are identified before management has to guess and generalize for the whole group. Everyone's needs are different. LibertySmart's tools free you to identify what you specifically need and then helps you make smart decisions in setting up your personalized health care spending for you and your family. Bottom line, you can save money and hassle. Now, that's smart!

Everyone is always searching for ways to get or earn more money. Once your employer enrolls with LibertySmart, you are provided with unique advantages under established IRS Revenue Rulings (104, 105 and 106). LibertySmart's goal is to inform you on more than 450 possible medical and preventive health care allowances to help maintain your health and that of your family's. At the same time you save money. Taking advantage of these allowances and focusing on preventive health care and financial security before retirement, your health, wealth and productivity can increase.

LibertySmart's program makes sure your benefit dollars accrue and roll over from year to year and will not be lost. Your benefit funds can be used for emergencies and other unexpected qualified medical expenses or insurance co-pays and deductibles or additional non-group insurance premiums, such as dental and vision insurance,, as well as qualified preventive items such as gym passes and needed nutritional supplementation.

Consider the following circumstances where LibertySmart's Program can help you make smart choices:

• Does any family member have a history of cancer that might indicate you or your children need to take preventive measures?
• Does any family member have a history of heart disease, high blood pressure, high cholesterol that they could avoid through taking preventive measures now?
• Are any family members overweight or obese, have diabetes and/or other medical concerns that a medical care provider could provide written recommendations for treatment and changes to follow for prevention and treatment?
• Does your family have a dentist that would prescribe specific tooth paste, mouth wash or dental floss to use to prevent tooth decay?
• Does your family have an eye doctor that has recommended and written down items for over-the-counter purchases such as eye drops, etc?
• Does a family member have allergies? If allergies are part of your family's lives, has their allergist recommended, in writing, over-the-counter products?
• Has your family's physician provided assurance and longevity to your joints and spine by recommending the proper shoes and inserts to protect feet, ankles, and joints and back from stress of physical exercise?
• Have prevention and maintenance diets, along with nutritional supplements, been recommended by your doctor for continued good health?

Learn how LibertySmart utilizes pre-tax dollar benefit programs to pay for health care, including tests and procedures performed by licensed health care professionals that are not covered by your group health insurance.

As soon your employer is enrolled,
you receive LibertySmart's proprietary Annual Health Spending Planner

This is a huge advantage! In the privacy of your home, it walks you through over 450 exemplary items and services that you may be able to purchase with pre-tax benefit dollars when acting under the direction of your qualified licensed health care provider.

Discovering your specific preventive and medical needs through the LibertySmart Health Spending Planner, is a key to optimizing current benefit programs to meet your personal needs. Complete your Planner as soon as possible to determine how much you can save and increase your own spendable health care dollars.

LibertySmart advantages are summarized this way:

• As an employee, you can use pre-tax dollars for allowable health care items you may already be purchasing with after-tax out-of-pocket monies, thus increasing your health care dollars.
• Eliminate income taxes on health dollars moved to pre-tax benefit dollars instead of out-of-pocket.
• With attention to "preventive" health care, you and your family's health and well being can increase, thus increasing energy, performance, and quality of life.
• With better health, life can be more enjoyable and extended.

LibertySmart advantages are easily managed by each employee receiving and using a
"LibertySmart" Benefit Card like a "Stored Value or Debit Card" for the purchase and
easy accounting of preventive and medical expenses.

ENJOY ALL THE ADVANTAGES WHILE CUTTING COSTS - NOT BENEFITS