OCTOBER 2022

MEMBER

TERMS & CONDITIONS

Acute Plus Promotions, LLC

AcutePlus

™

Equine Membership Program

Palm Beach Equine Clinic

This is not insurance.

OCTOBER 2022

MEMBER TERMS AND CONDITIONS

The Plan will provide the following benefits:

I. Membership Plans

The Plan will provide for each of Your Horses listed on the Horse Ownership Schedule one of

the following:

1. Bronze Medical Care, Surgical and Mortality for horses between one (1) and

eighteen (18) years of age, unless a horse has been a member of any plan level for

at least a minimum of a year then it will be permitted to continue at the Bronze level

through age nineteen (19). (Bronze Plan). The Bronze Plan will credit the Owner

for Medical Care and Surgery(ies) as set-forth on Exhibit A up to an aggregate

annual amount of Five Thousand Dollars ($5,000) for each of Your Horses listed

for the Bronze Plan during the applicable Coverage Period.

2. Silver Medical Care, Surgical and Mortality for horses between one (1) and

eighteen (18) years of age. (Silver Plan). The Silver Plan will credit the Owner for

Medical Care and Surgery(ies) as set-forth on Exhibit A up to an aggregate annual

amount of Five Thousand Dollars ($5,000) for each of Your Horses listed for the

Silver Plan during the applicable Coverage Period. In addition, the Silver Plan

will credit an Owner the lesser of Fifty Thousand Dollars ($50,000) or the fair

market value of each of Your Horses listed for the Silver Plan that dies during said

Coverage Period; provided, however, that (i) any Plan death benefit shall be

excess of any other equine mortality insurance in full force and effect for such horse

at the time of its death; (ii) there shall be a fifty percent (50%) reduction in death

benefit for any horse whose death arises out of or is in any way whatsoever related

to (1) a Chronic Condition or (2) laminitis and (iii) no Plan death payment will be

made that would result in an Owner receiving a double benefit of any type

whatsoever for the death of Your Horse.

3. Gold Medical Care, Surgical and Mortality for horses between one (1) and eighteen

(18) years of age. (Gold Plan). The Gold Plan will credit the Owner for Medical

Care and Surgery(ies) as set-forth on Exhibit A up to an aggregate annual amount

of Seven Thousand Five Hundred Dollars ($7,500) for each of Your Horses listed

for the Gold Plan during the applicable Coverage Period. In addition, the Gold

Plan will credit an Owner the lesser of One Hundred Thousand Dollars ($100,000)

or the fair market value of each of Your Horses listed for the Gold Plan that dies

during said Coverage Period; provided, however, that (i) any Plan death benefit

shall be reduced by and payable after any amount that the Owner receives from

equine mortality insurance or any other benefit plan in full force and effect for such

horse at the time of its death; (ii) there shall be a fifty percent (50%) reduction in

death benefit for any horse whose death arises out of or is in any way whatsoever

related to (1) a Chronic Condition or (2) laminitis and (iii) no Plan death payment

will be made that would result in an Owner receiving a double benefit of any type

whatsoever for the death of Your Horse.

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4. Platinum Medical Care, Surgical and Mortality for horses between one (1) and

eighteen (18) years of age. (Platinum Plan). The Platinum Plan will credit the

Owner for Medical Care and Surgery(ies) as set-forth on Exhibit A up to an

aggregate annual amount of Seven Thousand Five Hundred Dollars ($7,500) for

each of Your Horses listed for the Platinum Plan during the applicable Coverage

Period. In addition, the Platinum Plan will credit an Owner the lesser of One

Hundred Fifty Thousand Dollars ($150,000) or the fair market value of each of

Your Horses listed for the Platinum Plan that dies during said Coverage Period;

provided, however, that (i) any Plan death benefit shall be excess of any other

equine mortality insurance in full force and effect for such horse at the time of its

death; (ii) there shall be a fifty percent (50%) reduction in death benefit for any

horse whose death arises out of or is in any way whatsoever related to (1) a Chronic

Condition or (2) laminitis and (iii) no Plan death payment will be made that would

result in an Owner receiving a double benefit of any type whatsoever for the death

of Your Horse.

II. Membership Plan Benefits

The Bronze, Silver, Gold and Platinum Plans will provide an Owner with the benefits set forth on

Exhibit B. Utilization through the Plan or provided proof of the current status of the Minimum

Routine Benefits, as defined below, is a prerequisite for all Medical Care, Surgical and mortality

credits under the Plan unless a medical waiver issued in writing by a licensed veterinarian is

provided that prohibits adherence to the Minimum Routine Benefits for medical reasons.

Notwithstanding the foregoing and subject to all other terms and conditions herein, so long as

Your Horse is current on Minimum Routine Benefits as provided by a licensed, In-Network

Veterinarian, or within the past thirteen (13) months Your Horse has received the Minimum

Routine Benefits from any licensed veterinarian that is not an In-Network Veterinarian and You

can provide written proof thereof, Your Horse shall be eligible for Medical Care, Surgical and

mortality credits under the Plan. A Vet Report must be provided before Medical Care, Surgical

and mortality credits can be given.

III. CONSIDERATION EXCHANGE.

In return for receiving the applicable annual Bronze, Silver, Gold or Platinum fee payment for

each of Your Horses listed on the Horse Ownership Schedule, the Plan will credit You as

explained in the below Plan terms, conditions, exclusions and limitations. Any failure to pay the

Plan fee, however invoiced (either monthly or annually) and at the discretion of the Plan

Administrator, may be considered a material breach and Your Horse may become ineligible for

the Plan Benefits as a result of such breach.

IV. DEFINITIONS.

Defined terms are in bold print throughout the Plan for ease of reading.

A. Accident means a sudden, unpreventable event that causes Injury to Your

Horse(s).

-4-

B. Acute Care means providing short-term, usually immediate, Medical Care arising

out of or stemming from an Accident, Illness or Injury to Your Horse.

C. Authorized Permitted Party means a third party authorized by the Owner to

utilize the Plan for a participating horse. Authorization may be granted or removed

via the Plan website or through some other form of written correspondence (i.e.,

letter, email).

D. Behavioral Problems means a horse exhibiting abnormal responses to stimuli, not

caused by an underlying medical condition, including, but not limited to,

aggression, anxiety and destructive and/or compulsive behavior.

E. Chronic Conditions means any Injury or Illness that includes Clinical

Symptoms persisting for greater than ninety (90) days anytime in the preceding

twelve (12) months.

F. Clinical Examination means a thorough examination performed by a licensed and

registered veterinarian encompassing all body systems of the horse. Examination

can also be referred to as “full physical, physical consultation, full examination or

veterinary examination.”

G. Clinical Symptoms means any manifested abnormality in or deviation from the

regular healthy state or function of a horse. Symptoms include any abnormality

that is readily detectable by a thorough and complete Clinical Examination.

H. Condition(s) means any manifestations of Clinical Symptoms consistent with a

diagnosis or diagnoses, regardless of the number of incidents or areas of the body

affected.

I. Diagnostic Test(s) means any tests used to determine the overall health of Your

Horse. Diagnostic Tests can be used as a way to detect certain abnormalities.

They can also validate the current health of Your Horse.

J. Hospitalization means charges for boarding Your Horse at a veterinary clinic as

required by a licensed veterinarian for an acute medical condition to deliver nursing

care, to administer Medication to or monitor Your Horse.

K. Illness means sickness, disease and any changes to Your Horse’s normal healthy

state; any condition other than Your Horse’s normal healthy state.

L. Injury(ies) means physical harm or damage to Your Horse arising from normal

activity, competition, or an Accident.

M. In-Network Veterinarian means those veterinarians listed on Exhibit C who are

participating in the AcutePlus program by way of offering the Plans and have an

administration agreement with the Plan Administrator that is in full force and

effect.

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N. Medication means any veterinarian recommended medications prescribed by a

veterinarian and approved by the Food and Drug Administration (“FDA”) for

veterinary use.

O. Medical Care means any Medical Treatment for any Accident, Injury, Illness

as set forth on Exhibit A. Medical Care also includes euthanasia of a horse by any

veterinarian if the horse suffers an Injury or is afflicted with an expressly painful

or debilitating disease that first manifests itself during the Plan Period and a

veterinarian or his/her designee certifies in writing that the suffering of the horse is

incurable and so excessive that immediate destruction is imperative for humane

reasons. The certification must satisfy all the euthanasia guidelines of the American

Association of Equine Practitioners.

P. Medical Treatment means any treatment provided by a veterinarian to treat Your

Horse which is:

1. Set forth on the Member Benefits Schedule;

2. Consistent with symptoms or diagnoses;

3. Appropriate and meets generally accepted veterinary practice standards;

4. Not for the convenience of an Owner, a veterinarian or other provider; and

5. Consistent with the most appropriate supply or level of services which can

safely be provided to the horse.

Q. Minimum Routine Benefits means an annual physical exam, EEE/WEE/WN

vaccine, tetanus vaccine, flu/rhino vaccine and a Coggins test that must be given at

least annually to Your Horse in order to receive the full benefits of the Plan unless

a medical waiver issued in writing by a licensed veterinarian is provided that

prohibits adherence to these protocols for medical reasons.

R. Out of Network Veterinarian means a licensed veterinarian not listed on Exhibit

S. Owner, You or Your means the owner of Your Horse(s) listed on the Horse

Ownership Schedule including Owner’s spouse or domestic partner, authorized

lessee as so identified under a written lease agreement, and Authorized Permitted

Parties.

T. Performance Exam includes everything in the Physical Exam and additionally

includes veterinary assessment and recommendations related to the discipline Your

Horse competes in. This may include soundness evaluation, flexion testing and

recommendation for performance related injections, nutrition, training and other

health related options that will benefit an equine athlete.

U. Physical Exam is a core annual veterinary exam by a licensed veterinarian and

includes evaluation of Your Horse’s heart, lungs and eyes, and general vital signs.

V. Plan means the Bronze, Silver, Gold or Platinum Membership Plans in which a

Member enrolls on an annual basis and includes all of its terms, conditions,

exclusions and limitations.

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W. Plan Administrator means AcutePlus Promotions, LLC, the administrator of the

Plan.

X. Plan Period means for each of Your Horses for which the applicable fee is timely

paid, the time period set-forth on the Horse Ownership Schedule.

Y. Plan Sponsor means Palm Beach Equine Clinic, LLC.

Z. Reasonable and Customary Fees means costs and expenses that are within the

range of usual charges for the same or a similar service or Supplies billed by most

veterinarians in the same geographic location as the treating veterinarian, or

justified by all the attending circumstances, including but not limited to: the time

required to perform the service or procedure, the severity of the Condition(s)

treated, and the complexity of treatment of a particular case.

AA. Supplies means any non-excluded item that is medically required as determined by

a veterinarian that is safe and effective for its intended use and that omission would

adversely affect Your Horse.

BB. Surgery(ies) or Surgical means procedures that treat diseases or Injuries by

operative manual and instrumental treatment.

CC. Traumatic Injury defined as an acute concussive Injury or Accident that effectively

interferes with the normal biomechanics of the horse.

DD. Vaccination(s) means the administration of an industry-recognized commercial

equine vaccine.

EE. Vet Report means the required administrative report provided by the Plan

Administrator to be completed by a licensed veterinarian to document the

information associated with a Medical Care, Surgical or mortality credit under the

Plan.

FF. Your Horse(s) means the horse(s) listed on the Horse Ownership Schedule.

V. CREDITS.

A. Medical Care and Surgical

In the event Your Horse requires Medical Care and/or Surgery(ies) during the Plan

Period, the Plan will credit You for all Reasonable and Customary Fees including Medication

rendered as part of Acute Care by a licensed veterinarian and Hospitalization up to the applicable

limit of credits set-forth on the Member Credit Schedule. However, any credit for Medical Care

and/or Hospitalization shall be a maximum of 1) eighty percent (80%) if provided by an In-

Network Veterinarian; 2) seventy percent (70%) if provided by an Out-of-Network

Veterinarian and 3) forty percent (40%) for Diagnostic Test(s) including Bone scan, MRI and CT

scan.

-7-

B. Equine Mortality

For members enrolling a new horse into one of the Plans, Your Horse must have received

the Minimum Routine Benefits either from an In-Network Veterinarian or Out Of Network

Veterinarian within thirty (30) days prior to the first day of the Plan Period or within the first

thirty (30) days of the Plan Period. For any horse that received its Minimum Routine

Benefits from an Out Of Network Veterinarian before the Plan Period started supporting

documentation of the Minimal Routine Benefits must be provided. . You shall be eligible to

receive the equine mortality benefit pursuant to the Member Credit Schedule in the event of the

death of Your Horse resulting from any Accident, Illness or Injury occurring after the first thirty

(30) days of the Plan Period. No new horse enrolled in any Plan shall be eligible for a mortality

benefit during its initial thirty (30) days of a Plan Period (this shall be known as the “Waiting

Period”). Uninterrupted, consecutive renewal Plan Periods are not subject to the Waiting Period.

It is a condition precedent to any equine mortality benefit, however, that in the event of the

death of Your Horse other than by euthanasia as set forth above that the Plan shall be given the

opportunity at its own expense to arrange for and conduct a postmortem and necropsy examination

of the deceased horse by a veterinarian chosen by the Plan.

VI. EXCLUSIONS – MEDICAL CARE, SURGICAL AND MORTALITY.

Credit requests in any way arising from:

A. Any death, Injury or Illness of Your Horse intentionally caused by You or any

agent of You.

B. Any treatments and/or elective procedures, Vaccinations, cosmetic procedures,

preventive procedures, performance enhancing treatments or procedures, joint

injections, or procedures normally associated with the maintenance of a healthy

animal.

C. Conditions or Behavioral Problems arising from a specific activity if the same or

a similar activity occurred prior to the Coverage Period and displayed the

propensity for the activity to reoccur and cause death, Injury or Illness to Your

Horse.

D. Any diseases (such as internal parasites) preventable by Vaccination or

deworming.

E. Any complications of Conditions excluded or limited by this Plan.

F. Abnormalities where Clinical Symptoms were apparent prior to the applicable

Coverage Period. This includes Conditions that are or would be detectable by a

routine physical examination by a licensed veterinarian.

G. Arising from the lack of use and/or implementation of preventive health care

products and/or methods where such products and/or methods would be in

accordance with generally accepted veterinary standards. Preventive healthcare

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includes: Vaccinations, deworming, dental care, massage or chiropractic

treatment, regular farrier services, grooming and prudent regular care.

H. Arising from special diets, horse foods, vitamins, supplements, grooming, farrier,

shampoo and bathing (including medicated baths) not at the direction of any

veterinarian.

I. Arising out of nuclear fission, nuclear fusion, or radioactive contamination.

J. Conditions or death (including euthanasia) arising from, or aggravated or

worsened by, any specific activity in which either an In-Network Veterinarian or

Out Of Network Veterinarian has advised You in writing that Your Horse

should cease or suspend such activity for a specific period of time in order to give

Your Horse time to heal and/or recover from such Condition(s)

K. Any experimental or investigational treatments or Medications.

L. Breeding, castration, or postoperative complications associated with any aspect of

breeding or foaling, or any Condition relating to breeding.

M. Diagnostic Tests for Conditions excluded by this Plan or unrelated to Medical

Care. However, Diagnostic Tests for Conditions not excluded by this Plan or that

are related to Medical Care shall be credited as set-forth on Exhibit A.

N. Conditions caused by war or war activities whether war be declared or not, civil

war, martial law, insurrection, revolution, invasion, bombardment, or any use of

military force, usurped power or confiscation, nationalization, or damage of

property by any government, military, or other authority.

O. Feeding or housing.

P. Behavioral Problems, training, therapy or Medications for Behavioral

Problems.

Q. Any Illness or Injury arising from Your decision to not follow any veterinarian’s

advice.

R. Any Bronze, Silver, Gold or Platinum Membership Plan benefit that arises out of

Your Horse being entered or raced in any claiming, selling, or combination race at

any time during the applicable Plan Period.

S. Any birth defects, developmental conditions, growth conditions, nutritional

conditions, and congenital conditions, including but not limited to, undescended

testicles, umbilical hernia, epilepsy, glaucoma, cataracts, and blindness,

irrespective of whether said defects and conditions are evident or have manifested

themselves prior to the Plan Period.

T. Any intentional destruction of Your Horse other than as provided for in Bronze,

Silver, Gold or Platinum Membership Plan.

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U. Chronic Conditions, except for Diagnostic Tests as set-forth on Exhibit A.

VII. GENERAL CONDITIONS.

A. The applicable Plan fee payment for each of Your Horses listed on the Horse

Ownership Schedule is due and payable monthly by credit or debit card through the

Plan website. The Plan Period shall commence upon the payment of the first

month’s fee and shall be for a term of one (1) year, subject to the Member’s

payment of the Plan fee and all other terms and conditions described herein.

However, the Plan shall only credit for Medical Care and Surgeries arising out of

any Accident, Injury or Illness that first occurs thirty (30) days after the Plan

Period commences. Uninterrupted, consecutive renewal Plan Periods are not

subject to an additional waiting period. In addition, any failure to pay in full the

applicable monthly Plan fee for any of Your Horses listed on the Horse Ownership

Schedule will result in no further Plan benefits of any type whatsoever for said

horse unless the Plan Sponsor, in its sole discretion and upon terms and conditions

acceptable to the Plan Sponsor, agrees to reinstate the applicable Plan for the

horse.

B. You must be the Owner of Your Horse. If an Owner dies, becomes unable to care

for his/her horse(s) or ownership or medical responsibility of Your Horse passes to

another , the Plan will continue without interruption, if, and only if, (i) the Plan

Administrator and Plan Sponsor are notified in writing of the transfer of

ownership (or the owner’s incapacitation) and are able to verify such prior to the

administration of any additional benefits, and (ii) payment for the Plan is current.

Should payment for the Plan not be current at the time ownership or medical

responsibility for Your Horse changes hands, Your successor may bring payment

current within thirty (30) days from the date of the transfer of ownership or medical

responsibility at which point your successor shall be deemed the Owner of Your

Horse and eligible for all benefits under the Plan. Should your successor fail to

bring the account current within the first thirty (30) days of the successor’s

ownership of Your Horse, Your Horse will not be eligible for any benefits under

the Plan. Any transfer of ownership or change in ownership representation or

change in medical responsibility that is recognized by the Plan Administrator and

Plan Sponsor is subject to all other terms and conditions of this Plan.

C. A horse is covered under this Plan only (i) if it is listed on the Horse Ownership

Schedule, (ii) during the applicable Plan Period for said horse, and (iii) the

applicable monthly Plan fee has been paid for said horse.

D. During the Plan Period you must implement all reasonable means possible in the

care and protection of Your Horse(s), and undertake all necessary means to protect

Your Horse(s) from aggravation and/or recurrence of any Injury, Illness or

disease after onset of any Injury, Illness or disease.

E. A condition precedent to any credit under the Plan is that Your Horse is in sound

health and free from any Illness, disease, lameness, Injury, or disability of any type

whatsoever at the start of the Plan Period.

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F. Notice of a credit request for Medical Care and Surgical under this Plan must be

given by You or Your agent to the Plan Administrator as soon as practicable, but

in no event later than thirty (30) days after the Medical Treatment is rendered.

G. As a condition precedent to any mortality benefit, you or your agent must have

called, regardless of day or time, the Plan Administrator at 1-855-502-7587. In

the event of unexplained death of Your Horse you must notify the Plan

Administrator within (3) three hours. In the event that euthanasia is required you

must call the Plan Administrator prior to euthanasia, approval from Plan

Administrator is required. Failure to provide this notice may result in the denial of

a mortality benefit.

H. Any credit under the terms and conditions of the Plan will be made either at the

time of service, but not later than ninety (90) days after submission of the request

unless applicable state law provides for a shorter period.

I. In order to process a request for a credit, You must allow the Plan Sponsor or Plan

Administrator to contact any of Your previous veterinarians and provide the Plan

Sponsor or Plan Administrator with the necessary written authorization to obtain

all information and/or documentation the Plan Sponsor or Plan Administrator

may reasonably require. In the event information/documentation relating to the

history of the horse is missing or incomplete, the request for a credit will not be

processed.

J. In the event of any disagreement between You and the Plan Sponsor with regards

to a credit request, the matter will be referred to an independent third-party

veterinarian selected by the Plan Sponsor. This independent third-party

veterinarian’s decision shall be final and binding on all parties.

K. Every action or proceeding of any type whatsoever against the Plan Sponsor and/or

Plan Administrator for a benefit by virtue of these Terms is absolutely barred

unless commenced within ninety (90) days after the end of the last Plan Period set

forth on the Horse Ownership Schedule unless applicable state law requires a longer

period.

L. The Plan is excess and non-contributory over any other plan or insurance of any

type whatsoever available to Your Horse for any Medical Care that is covered by

both the Plan and any other plan or insurance.

VIII. ADDITIONAL CONDITIONS.

A. Misrepresentation and Fraud. This Plan is null and void if You intentionally or

negligently have concealed or misrepresented any material fact or circumstance of

any type whatsoever concerning this Plan or Your Horse(s). The Plan does not

provide any credits or benefits for any Owner who has concealed or misrepresented

any such material facts or circumstances at any time whatsoever. The Plan

Administrator and/or Plan Sponsor have the right to reject any membership or

benefits should such person or entity have a history of misrepresentation, fraud,or

animal neglect or abuse.

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B. State Law/Dispute Resolution. This Plan shall be governed by the laws of the State

of Florida. Any dispute arising out of or related to these Terms shall be resolved

solely via arbitration conducted pursuant to the Commercial Rules of the American

Arbitration Association. Exclusive venue for any hearing or proceeding shall be in

Palm Beach County, Florida. Each Member, Veterinarian, the Plan Administrator,

and Plan Sponsor consents to Palm Beach County as its sole venue. Entire

Contract. This Plan contains the full and complete agreement between You and

the Plan Sponsor.

C. Limitation of Liability. TO THE MAXIMUM EXTENT PERMITTED BY LAW,

THE PLAN SPONSOR AND PLAN ADMINISTRATOR SHALL NOT BE LIABLE

FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, INDIRECT,

PUNITIVE, INCIDENTAL, OR SPECIAL DAMAGES, LOSS OF PROFITS, DATA

OR REVENUES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR

RELATED TO ONE’S MEMBERSHIP, USE OF THE WEBSITE, OR

MAINTENANCE OF ONE’S PERSONAL INFORMATION.

D. Other Websites. The Plan Administrator’s website may contain links to third-

party websites or services that are not owned or controlled by the Plan

Administrator. The Plan Administrator has no control over, and assumes no

responsibility for, the content, privacy policies, or practices of any third-party

websites or services. Thus, You agree that the Plan Administrator shall not be

responsible or liable, directly or indirectly, for any damage or loss caused or alleged

to be caused by or in connection with use of or reliance on any such content, goods

or services available on or through any such websites or services.

E. Changes. The Plan Administrator reserves the right, in its sole discretion, to

modify or replace these Terms at any time. If a revision is material, the Plan

Administrator will try to provide at least 30 days’ notice prior to any new terms

taking effect. What constitutes a material change will be determined in the Plan

Administrator’s sole discretion.

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Exhibit A

Membership Credit Schedule

Bronze

Silver

Gold

Platinum

Annual Per Horse

Aggregate Limits of

Liability

$5,000

$7,500

$10,000

Annual Per Horse Fee if

Paid Annually

$929

$1,988

$3,516

$5,868

Monthly Per Horse Fee if

Not Paid Annually

$79

$169

$299

$499

Covered Illness / Injuries / Services - Membership Plan Limits per Occurrence up to Annual

Per Horse Aggregate Limits of Liability

Colic - Surgical

$5,000

$7,500

$10,000

Colic – Non-Surgical

$2,500

$3,750

$5,000

Traumatic Injury

$5,000

$7,500

$10,000

Fracture

$5,000

$7,500

$10,000

Upper Respiratory

Infection / Pneumonia

$1,250

$1,875

$2,500

Lacerations / Abrasions /

Punctures / Wounds

Requiring Sutures

$750

$1,125

$1,500

Subsolar Abscess and

Coffin Bone

Osteomyelitis

$500

$750

$1,000

-13-

Acute Onset Laminitis

$750

$1,125

$1,500

Enteritis / Colitis

$1,000

$1,500

$2,000

Choke / Esophageal

Obstruction

$750

$1,500

$2,000

Tendon or Ligament Tear

/ Structural Damage

$1,000

$1,500

$2,000

Ophthalmic Injury – Non-

Surgical

$500

$750

$1,000

Ophthalmic Surgery

$1,500

$2,250

$3,000

Barn call fees associated

with an approved medical

incident.

$50

Medically Necessary

Diagnostics that are

part of immediate care*

$2,000

$3,000

$4,000

* Bone Scan, MRI and CT Scan require pre-approval from Plan Sponsor. The maximum

credit is forty percent (40%) of the actual reasonable and necessary scan charge up to the

maximum diagnostic benefit listed in Schedule A. Credit will be applied to diagnostics

directly related to new Illness, Injury or Accident. . No credit will apply to diagnostics

directly related to imaging of an existing Chronic Condition.

-14-

Exhibit B

Member

Routine

Benefits

Bronze

Silver

Gold

Platinum

In Network

Veterinarian

Out of

Network

Veterinarian*

Loyalty Points

1 point per $1

spent; $0.02

per point

redemption

value

N/C

Digital Records

N/C

Microchip

N/C

Physical Exam

N/C

$95

Performance

Exam

N/C

$150

Vaccine –

FluRhino

N/C

$37

Vaccine -

EEE/WEE/WN/

Vaccine

N/C

$60

Vaccine -

Tetanus

N/C

$12

Vaccine –

Rabies

N/C

$12

Coggins Test

N/C

$59

Complete Blood

Count

N/C

$299

Dental Float

N/C

$184

Barn Call Fee

for Routine Care

- Up to $50**

N/C

* Lesser of actual charge or amount set-forth above.

** Only applies to Barn Calls for Routine Care performed by Plan Sponsor.

Exhibit C

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In-Network Veterinarians:

1. All veterinarians who are employed by:

Palm Beach Equine Clinic, LLC

13125 Southfields Road

Wellington, FL 33414

(561) 793-1599

2. All veterinarians who offer the AcutePlus program Plans to their customers and

have an executed administration agreement with the Plan Administrator that is in

full force and effect.

Doctors:

Bryan Dubynsky, DVM

Candelaria Chuncho, DVM

Charley McColough, BVetMed, MRCVS

Christina Braun, DVM

Daren Tamplin , DVM

David Priest, DVM

Fernando Marqués, DVM, Diplomate ACVIM, Diplomate ACVSMR

Gary Priest, DVM

Gretchen Syburg, DVM

Hilary Clayton, DVM

Jacqueline Janes, DVM

Janet Greenfield, BVMS, MRCVS, CVA, CERPM

John Cooley, DVM

Jordan Lewis, DVM

Jorge Gomez, MVZ, MS, DACVS

Kathleen Timmins, DVM

Katie Atwood, DVM

Laura Hutton, MVB

Marilyn Connor, DVM, CVC

Meredith Mitchell Hustler, DVM

Natalia Novoa, DVM

Paul Wollenman, DVM

Peter Heidmann, DVM, DACVIM

Richard Wheeler, BVetMed, MRCVS

Robert J. Smith, Jr. , DVM

Robert W. Brusie, DVM, DACVS

Ryan Lukens, DVM, CVMMP

Santiago Demierre, V

Sarah Allendorf, BVM&S, MRCVS

Sarah Puchalski, DVM, DACVR

Scott Swerdlin, DVM, MRCVS

Selina Watt, DVM

Sidney Chanutin, DVM

Tyler Davis, BVMS, MRCVS

-16-

Walker Watt, DVM

Weston Davis, DVM, DACVS

William Patterson, DVM

-17-

Horse Ownership Schedule

Owner

Horse Name

Age

Plan Period

Plan

Fee

Paid

Exhibit A

Membership Credit Schedule

Bronze

Silver

Gold

Platinum

Annual Per Horse

Aggregate Limits of

Liability

$5,000

$7,500

$10,000

Annual Per Horse Fee if

Paid Annually

$929

$1,988

$3,516

$5,868

Monthly Per Horse Fee if

Not Paid Annually

$79

$169

$299

$499

Covered Illness / Injuries / Services - Membership Plan Limits per Occurrence up to Annual

Per Horse Aggregate Limits of Liability

-18-

Colic - Surgical

$5,000

$7,500

$10,000

Colic – Non-Surgical

$2,500

$3,750

$5,000

Traumatic Injury

$5,000

$7,500

$10,000

Fracture

$5,000

$7,500

$10,000

Upper Respiratory

Infection / Pneumonia

$1,250

$1,875

$2,500

Lacerations / Abrasions /

Punctures / Wounds

Requiring Sutures

$750

$1,125

$1,500

Subsolar Abscess and

Coffin Bone

Osteomyelitis

$500

$750

$1,000

Acute Onset Laminitis

$750

$1,125

$1,500

Enteritis / Colitis

$1,000

$1,500

$2,000

Choke / Esophageal

Obstruction

$750

$1,500

$2,000

Tendon or Ligament Tear

/ Structural Damage

$1,000

$1,500

$2,000

Ophthalmic Injury – Non-

Surgical

$500

$750

$1,000

Ophthalmic Surgery

$1,500

$2,250

$3,000

Barn call fees associated

with an approved medical

incident.

$50

-19-

Medically Necessary

Diagnostics that are

part of immediate care*

$2,000

$3,000

$4,000

* Bone Scan, MRI and CT Scan require pre-approval from Plan Sponsor. The maximum

credit is forty percent (40%) of the actual reasonable and necessary scan charge up to the

maximum diagnostic benefit listed in Schedule A. Credit will be applied to diagnostics

directly related to new Illness, Injury or Accident.. No credit will apply to diagnostics

directly related to imaging of an existing Chronic Condition.