Stop Loss Considerations • Complete evaluation of High-Cost Claimants • Market to all viable Stop Loss Carriers • EBS has access to National Carrier Agreements through UBA: o Symetra o Sun Life Advantages include renewal rate cap, no laser o Voya upon renewal, dividend share, etc. • UBA Consortium (The Benecon Group & Everest Re) o Allows Velcro Companies to take advantage of a “pool” of other groups to protect against fluctuations in ISL premium o Can “smooth” out renewal increases over time (e.g., average increase of 10% per year) o If the overall experiences is a strong financial year, portion of premium can be returned o No new lasers upon renewal o Renewal Rate Cap o NO ADMINISTRATIVE FEE (not a Captive) o Value Add Programs:  Predictive Modeling Tools, Diseases Management Programs, Direct Provider Contracting, Cancer Support, Transplant Centers of Excellence, Wellness programs, etc. • Beginning in Q3 2023 EBS will have access to Captive pricing resulting from a partnership with UBA and Pareto Health o ParetoHealthis the largest captive manager in the United States o ParetoHealthmanages over $1B in stop loss premium, over 2,200 Captive member companies and 760,000 lives 2022 EBS Services & Capabilities 57