To our prospective clients:

On behalf of all of us at Provider Select, we would like to thank you for your interest
in our services. Provider Select has one of the largest privately held networks in the
nation yet keeps our company at a manageable size. This sets us apart from some of
our larger competitors because it enables us to provide a higher degree of personal
attention to each of our constituents.

Aggressively pursuing size as a company’s main goal has been shown to lead to
serious management problems. As a result, Provider Select has concentrated on
quality and performance rather than sheer size. This focus on providing a high-quality
service has strengthened our market share over time.

Over the last twenty years we have seen the PPO industry evolve from only seventy
operational PPOs in the Fall of 1983. None of them had enrollments of more than
2,000 people. Today, thanks to many changes in the regulatory and technological
environment, there are over ten times as many PPOs with millions of covered lives.
In fact, one of the latest research studies finds that PPO penetration rates exceeded
health maintenance organization (HMO) penetration rates in more than 91% of all
counties.

Looking ahead to the next twenty years, Provider Select has made a commitment to
continue to provide all of our constituents with access to the most advanced
innovations and highest quality of service possible. While this information package
will provide you with an overview of Provider Select and its services, no package
can tell you about the most important elements, the people and the corporate culture.
We look forward to meeting with you to fully discuss Provider Select and the
opportunity it represents.


Leila R. Potter

President
Leila R. Potter

©2005 Provider Select, Inc. All rights reserved. Legal Statement