BAS Health Advantage Guard Membership Agreement:

To simplify this Agreement for you, the following definitions will apply:

The words you, your, and yours, mean all persons responsible for complying with this Agreement, including the person who applied to open the account and the person to whom we address billing statements.

The word card means one or more cards or other access devices, such as account numbers, that we have issued to you under this Agreement. The words we, us, and our mean Bargain Advantage Society (hereafter referred to as "BAS"), located at 433 Market St Suite B05, Camden, NJ 08102

The words authorized user means any person to who you give permission to use your account.

Membership Fee:

Your membership fee is $24.95 per month. You must contact us by telephone at 1 800 969 9967 if you choose to cancel.

Payment:

On the 1st of each month, the account that you have specified will be charged the payment due.

Arbitration:

PLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING ARBITRATION. ARBITRATION REPLACES THE RIGHT TO GO TO COURT, INCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN ARBITRATION, AN ARBITRATOR INSTEAD OF A JUDGE OR JURY RESOLVES A DISPUTE. ARBITRATION PROCEDURES ARE SIMPLER AND MORE LIMITED THAN COURT PROCEDURES.

Agreement To Arbitration:

Either you, or we may, without the other's consent, elect mandatory, binding arbitration for any claim, dispute, or controversy between you and us (called "Claims").

How Arbitration Works:

How does a party initiate arbitration? The party filing an arbitration must choose one of the following three arbitration firms and follow its rules and procedures for initiating and

pursuing an arbitration:

American Arbitration Association, JAMS, and National Arbitration Forum. Any arbitration hearing that you attend will be held at a place chosen by the arbitration firm in the same city, as the U.S. District Court closest to our headquarters, which is currently located in Camden, New Jersey, or at some other place to which you and we agree in writing. You may obtain copies of the current rules of each of the three arbitration firms and forms and instructions for initiating an arbitration by contacting them as follows:

American Arbitration Association
Web Site: http://www.adr.org/
335 Madison Avenue, Floor 10New York, NY 10017-4605

JAMS
Web Site: http://www.jamsadr.com/
1920 Main Street, Suite 300 Irvine, CA 92610

National Arbitration Forum
Web Site: http://www.arbitration-forum.com/
P.O. Box 50191 Minneapolis, MN 55405

At any time you or we may ask an appropriate court to compel arbitration of Claims, or to stay the litigation of Claims pending arbitration, even if such Claims are part of a lawsuit, unless a trial has begun or a final judgment has been entered. Even if a party fails to exercise these rights at any particular time, or in connection with any particular Claims, that party can still require arbitration at a later time or in connection with any other Claims.

Telephone and Monitoring Recording:
From time to time we may monitor and record your telephone calls regarding your account with us to assure the quality of our service.

Closing Your Membership Account:
You must contact us by telephone at 1 800 969 9967 if you choose to cancel.

Changing This Agreement:
We can change this Agreement, including all fees at any time. We can also add or delete provisions relating to your account and to the nature, extent, and enforcement of the rights and obligations you or we may have relating to this Agreement. These charges are binding on you. However, if the change will cause a fee, rate or minimum payment to increase, we will mail you written notice at least fifteen (15) days before the beginning of the billing period in which the change becomes effective.