Velcro USA Inc. 95 Sundial Avenue Manchester, NH 03103 USA Tel: (+1) 603 669 4880 programs and works closely with the client to make sure their needs are met. The third person on the day to day team is the Benefit Analyst who supports the client and team by managing renewal requests for proposals, preparing monthly claim reports and managing ad hoc requests for the client. In addition to the day to day service team, each of our clients has access to our team of subject matter experts in the areas of marketing and employee communications, compliance, human resource technology, data analytics and wellness to help them in whichever area they require assistance. These resources are available for consultation in their areas of expertise and once engaged develop one on one relationships with our clients. 6. Describe the proposed team that would work with Velcro Companies and provide information about the qualifications and expertise of each team member, including any related experience. See question 2 in the ‘Your Company’ section above to read the full bios of your EBS service team. 7. How often does your team meet with your clients and for what purposes? Every organization has their own unique set of wants and needs when it comes to their relationship with their broker. Although our strongest relationships are with those clients who really want to be engaged with us and partner with us to manage and improve their current benefit program, we do like to leave it up to the client to determine how often and in what setting they would like to meet with us. Whether our clients prefer in-person meetings quarterly, or phone meetings monthly, we will adapt to what suits your organization best. Whatever type of schedule you determine, you can count on us to be working throughout the plan year to ensure your renewal runs smoothly, your employees are getting the communications they need to understand their benefits offerings, and you are supported in all areas of your benefits programs. Below is a suggested timeline of the plan year – beginning with a kickoff meeting that is held at the beginning of the broker-client relationship, and every year immediately following your renewal. In addition to the suggested meetings below, we meet with our clients throughout the year whenever a situation calls for it. Here’s how we would support our clients throughout the year: Bi-Weekly Benefits Meetings | We feel it is important to keep communications ongoing and monthly meetings are an effective way to make sure EBS and the client are on the same page, pending issues are addressed/resolved and any new issues are identified. In Velcro’s case, Cigna hosts bi-weekly service meetings in which EBS participates. EBS and Velcro use this time as an opportunity to catch up on any open items between EBS and the Velcro team. Quarterly Review Meetings | At the quarterly meetings, EBS comes equipped with your plan- specific data from the current and prior year(s) and we illustrate to you how your overall plan designs are working (or are not working). Data analytics and industry trends play a major role in these meetings. We also use these meetings for educational purposes (e.g., Self-funding 101). Pre-Renewal Meeting | Together, EBS and the client will review benchmark, discuss new and existing product offerings, employee contribution strategies and pre-renewal estimates. This is also an opportunity to discuss funding alternatives and risk tolerance. Renewal Meeting(s) | The renewal process usually takes several meetings/conference calls to move through to completion. During the renewal process, we feel it is important to have a standing weekly check in call to be sure that all deadlines are met and alternatives presented. We will discuss a full negotiation, alternative plan design(s), alternative funding strategies and a strategy for reducing any proposed renewal action. We will also decide on what types of employee 6