Primary Vision Care Services (PVCS) was founded by an optometrist with a vision
    to improve access to quality vision care at the best possible price 
    facilitated by a simple administration process.
                
                
                    The PVCS Vision Care Concept: Quality Eye Care WHEN NEEDED!
                
                
                    Sometime in the history of vision care coverage, a decision was made to limit 
    benefits to once a year. Countless individuals seeking care under this 
    limitation have complained and suffered as a result. No company had addressed 
    the issue until PVCS was established. The key element in the PVCS VisionAdvantage benefit design is continuing eligibility, or the ability to 
    receive covered services after the initial service at no additional cost. PVCS’ 
    philosophy of "access to eye care services when needed" is the single 
    most important element in delivering QUALITY in a vision care benefit. A 
    significant number of current plan members take advantage of this benefit, and 
    thoroughly endorse PVCS as a result. Plan providers are especially pleased 
    with this concept as it allows them the earliest possible access to solve the 
    patient’s problem and the opportunity to monitor the result. Along with this 
    concept is continuing eyewear coverage. As many pair of glasses and/or an annual supply of 
    contact lenses within the plan year will all covered by the plan wholesale purchase benefit.
                
                
                    VisionAdvantage – The PVCS Plan That Meets Vision Care Needs
                
                
                    Improving access to quality vision care at the best possible price 
    facilitated by a simple administration process provides agents with an 
    excellent selling focus for their clients.
                
                
                    
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                            VisionAdvantage features respond directly to the employer and employee 
            demands for vision plans - quality eye care services, choice in eyewear 
            materials, reasonable cost, independent doctors, convenient locations, and 
            simple administration.
                        
                        
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                            VisionAdvantage is offered through a cooperative of quality doctors to 
            contracted organizations as a benefit for their employees. This unique concept 
            of cooperative services by independent Optometrists offers the lowest possible 
            price for quality services with the most convenient pay arrangement possible.
                        
                        
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                            VisionAdvantage is eligible for administration under the provisions of 
            Internal Revenue Service Code 125 (Cafeteria Plans).
                        
                        
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                                VisionAdvantage is streamlined, simple, and easy-to-understand; start-up 
    and administration of the plan has been established for convenience and 
    hassle-free use by all concerned: Agent, employer, employee, and doctor.
           
                        
                        
 
            
                
                    
                        - Agents will find VisionAdvantage provides an excellent stand-alone vision 
            care product, or an outstanding supplemental vision care product, to be included 
            in their client’s benefits portfolio. VisionAdvantage is an easy plan to 
            explain and understand. The agent is not burdened with difficult plan options or 
            combinations of services and materials cluttered with varying co-payments to 
            keep straight and to explain. The plan concept of continuous service or "access 
            to service when you need it" is a huge marketing tool; no more once a year 
            use limitation. The plan’s simplicity of services, materials, and cost helps 
            sell itself. The panel of doctors through which VisionAdvantage is 
            available contributes additional integrity and quality to an already excellent 
            plan; further, the ability of PVCS to expand coverage and recruit network panel 
            doctors is exceptional due to PVCS' reputation.
                        
                        
- The employer client will find VisionAdvantage is a comprehensive, easy to 
            understand plan with unique cost containment features and ease of 
            administration.
                        
                        
- The client’s employees and dependents will find VisionAdvantage provides 
            a wide choice of doctors, continuing quality service, selection of 
            materials, wholesale prices, and ease of obtaining and using services.
                        
                        
- For all plan participants, VisionAdvantage’s administrative approach 
            reduces paperwork to a minimum.
                        
                        
 
                
                
                
                    Commissions and Payments
                
                
                    Agent commissions are paid on the gross revenues generated by the agent and paid 
    to PVCS on or before the monthly due date. PVCS issues a monthly commission 
    check to the agent based on the monthly gross revenue (Agent has no need to bill 
    PVCS) reducing the time from monthly premium revenue received by PVCS to 
    commission paid to agent to a minimum.
                
                
                    The Company
                
                
                    PVCS is an Oklahoma-based, small business corporation that has provided 
    essential vision care services to tens of thousands since 1994. Headquartered in 
    Lawton, Oklahoma, the company conducts business and provides services throughout 
    Oklahoma and many surrounding states. Since its beginning, PVCS has grown into a 
    responsive vision care service organization with over 500 participating doctors.
                
                
                    
                        - PVCS is an Oklahoma Corporation
                        
                        
- PVCS is not an insurance company. Rather, it is regulated by the Oklahoma State 
            Department of Health as a Qualified Utilization Review Program under the 
            provisions of OAL 310:657.
                        
                        
- PVCS provides and manages a unique vision plan called VisionAdvantage.
                        
- PVCS offers VisionAdvantage Plan through a cooperative of quality, 
            independent optometrists & opthalmologists, to contracting organizations as a benefit for their 
            employees.
                        
                        
 
                
                
                
                    Organization and Management Team
                
                                
                
                     
                
                
                    CEO/President - Our Company President and Chief Executive Officer, Richard S. 
    Swales, O.D., brings to the company and the management team, the strength of 
    many years of experience of practicing and providing vision care services, and 
    designing and managing the PVCS Vision Care Services Plan as Plan Administrator. 
    He is acutely aware of both doctor and patient frustrations with existing, 
    routine vision care benefit plans; this insight led him to create the PVCS 
    concept in vision care. He is committed and dedicated to providing effective 
    leadership and support to all PVCS programs and contracts.
                
                
                    Finance and Administration - John Purcell, our Vice President, Finance & 
    Administration, reports directly to Dr. Swales. Mr. Purcell has many years of 
    experience, in military and commercial program management, finance and 
    administration. He has established and implemented the current operating systems 
    philosophy, policy and processes; developing and implementing claims processing 
    policy and procedures; and, servicing the day-to-day PVCS program operations and 
    management functions. He has the background, extensive knowledge of the plan, 
    and expertise to provide outstanding program leadership to all PVCS contracts.
                
                
                    Under Mr. Purcell's direct program management are Client Services Specialists 
    and Accounting personnel to insure that clients (employer, employee, and doctor) 
    are efficiently and effectively serviced.
                
                
                    Professional Relations - Dr. Swales concurrently acts as the Vice President, 
    Professional Relations and Medical Director. Being a successful, highly 
    experienced practicing optometrist gives him deep insight into the routine and 
    non-routine situations that may arise within the day-to-day technical operation 
    of vision care. He has the expertise and comfort level to deal with doctors on a 
    professional, one on one basis, while maintaining the patient's best interests, 
    and the employers concerns for service and cost effectiveness and efficiency. 
    This combination of functions provides added strength to the plan.
                
                
                    Marketing and Business Development - Vice President, Marketing, Thomas 
    Rheinlander, has 40 years of extensive experience in human resources, benefit 
    administration, management services, and marketing background. He joined the 
    PVCS management team to establish and provide new and innovative approaches to 
    business development and marketing of the plan. He is available to support all 
    PVCS programs and contracts.
                
                
                    This organizational structure represents a cost-effective mix of technical, 
    management, supervisory, and administrative skills combined in a streamlined 
    organization that can be easily tailored to meet and support the requirements of 
    any client.
                
                                
                
                    PVCS has been engaged in the vision care services for 25 years. We 
    know how to perform and deliver vision care services. We have a significant in-place provider 
    network of over 450 locations. Additionally, PVCS has a 
    demonstrated ability to expand coverage and recruit panel doctors in a short 
    period of time when the demand or requirement arises.
                
                
                    WHY SELECT PRIMARY VISION CARE SERVICES, INC?
                
                    The most compelling reasons for selecting Primary Vision Care Services, Inc
                
                Specific Experience
                
                    PVCS has many years of company and panel combined direct experience providing 
    outstanding quality and cost effective vision care service.
                
                Mobilization Experience
                
                    PVCS has started and successfully operated over 100 contracts, on time, within 
    budget.
                
               
                Doctor Participation
                
                    PVCS recruits independent optometrists who meet rigid standards. We are proud of 
    the panel of network doctors provided through the plan. We have been able to 
    recruit panel members for new coverage areas in exceptionally short periods of 
    time due to the plan's reputation.
                
                Management Resources
                
                    PVCS has an in-place outstanding management team experienced in vision care 
    services and program management. These managers have demonstrated superior 
    knowledge, skills, creativeness, leadership, and customer orientation.
                
                Our success is measured by customer satisfaction
                
                    PVCS quality support program and internal audit programs are designed to ensure 
    customer satisfaction. We pledge customer satisfaction.
                
                
                    PVCS is confident that our VisionAdvantage Plan
                        provides an outstanding quality vision care service benefit at a fair and 
    reasonable price and welcomes the opportunity to answer any questions.