Terms and Conditions of your CashPPO Membership

By enrolling in CashPPO, you are agreeing that your enrollment shall be governed by the following Terms and Conditions (this "Agreement"), effective upon the date of your enrollment. CashPPO is a trademark owned by HealthDataInsights Inc., a Nevada corporation ("HMI").

1. HMI will maintain regular updates of participating providers listed on its website. Cardholder shall excuse HMI from any liability for errors in such listing. Cardholder is responsible for choice of provider, verification that the provider is a current participant in the Program, and payment for any and all goods or services from any Program provider.

2. Cardholder's savings are based on the provider's usual and customary fees, or on national or regional fees for the service or product. Cardholder's actual savings will vary depending upon location and the specific products or services purchased. All listed or quoted CashPPO prices are current prices only and are subject to change without notice. From time to time certain providers may offer certain products or services to the general public at prices lower than the CashPPO price. In that event, members should always be charged the lower price.

3. Program benefits may vary in some states. CashPPO providers are subject to change without notice. The Program may be discontinued or modified at any time. CashPPO discounts cannot be used in conjunction with any other discount program.

4. The CashPPO Benefit Program is a discount program only and is NOT INSURANCE. No portion of any provider's fee will be reimbursed or otherwise paid by HMI. Cardholder is solely responsible for payment. HMI shall not be responsible for review of any Program purchase, which is solely between Cardholder and participating providers. HMI'S ONLY OBLIGATION UNDER THIS AGREEMENT IS TO ADMINISTER THE ENROLLMENT OF CARDHOLDERS AND PARTICIPATING PROVIDERS.

5. HMI and its vendors have negotiated provider discounts to acquire the best possible discounts, much the way large companies do for their employees. Although HMI or its vendors screen participating providers to ensure appropriate credentials and qualifications to provide goods and services, HMI does not guarantee and cannot be responsible for the quality of such service or products purchased by Cardholder. The information on the CashPPO Site is aggregated from data provided by third party suppliers. HMI makes no independent effort to verify this data or otherwise ascertain its accuracy or timeliness. Indeed, it may not be completely accurate or current. For example, a physician may have moved or narrowed his or her area of practice or geographic directions may be wrong. You agree that HMI cannot take responsibility for such data errors and you agree that you will independently verify such information before relying upon it.

6. HMI may delegate its responsibilities to administrators it may appoint as it deems reasonably necessary to perform its obligations under the Program. Any such administrators and all participating providers are independent contractors; they are not employees, partners, agents of , or joint ventures with, HMI.

7. This Agreement shall be for a term of one year from the date of enrollment subject to payment of the cardholder fee. Unless cancelled by Cardholder or HMI, Cardholder's membership will automatically renew each year. Each renewal of Cardholder's membership shall constitute a separate and distinct membership contract for the applicable period.

8. This is the entire agreement between Cardholder and HMI with respect to CashPPO. Any representation, warranty, promise, or condition not expressly stated here shall not be binding. HMI reserves the right to amend this Agreement at any time by posting any such amendment and notice thereof on its website. The parties agree that they will make no claim at any time or place that this Agreement has been orally altered or modified.

9. This Agreement and its interpretation and enforcement shall be governed and controlled by the laws of the State of Nevada.

10. If any part of this Agreement is held to be unenforceable or void for any reason, it shall be severed from the Agreement, which shall not affect the validity of the remaining provisions.

11. In the event the Employee Retirement Income Act of 1974 ("ERISA") is deemed to apply to a Cardholder's benefits under the Program, this Agreement is not intended to make HMI or its administrators a Program Administrator or fiduciary within the meaning of ERISA.

12. There are no persons who are intended by the parties to be third party beneficiaries under this Agreement, and no action to enforce the terms of this Agreement may be brought against either party by any person who is not a party hereto.

13. Any dispute arising from or related to this Agreement shall be resolved by binding, non-appealable private arbitration conducted in accordance with the Rules of the American Arbitration Association in Las Vegas, Nevada. This provision shall survive termination of this Agreement, and its interpretation shall be subject to the Federal Arbitration Act.

Kentucky Residents: This contract is not an insurance policy and is not protected by the Kentucky Life and Health Guaranty Association.

All Others: This contract is not an insurance policy and is not protected or regulated by the insurance laws of any state.