August 24, 2022

Clarice Marie Domingo Decano

48C M Gonzales St Barangka
Marikina City, 1803

Dear Clarice Marie,

Congratulations! We are delighted to confirm our offer of employment with Optum Global Solutions
(Philippines) Inc.

We are truly excited that you have decided to join our team at Optum Global Solutions (Philippines) Inc.
part of UnitedHealth Group and its affiliates which is a Global Fortune 5 corporation and the largest
integrated healthcare and well-being organization in the world. UnitedHealth Group employs more than
240,000 talented individuals worldwide with over 115,000 of those working with Optum, just like
yourself. You are joining a truly progressive organization who aims to be the best by employing and
developing the very best. At Optum, we understand the value of hiring and developing top talent, and
have developed a comprehensive and competitive Total Rewards package that reflects our commitment
to your growth and success.

The values that underpin each employee's success are embedded in our culture. These values are:
Integrity, Compassion, Relationships, Innovation and Performance and we trust that you will be both
delighted to join such an organization and encouraged to live by these principles.

We wish you a long, happy and successful career and see this offer as simply the first step in our journey
together.

Welcome to Optum!

Regards,

The Talent Acquisition Team

 Your Employment Contract

We are pleased to offer you employment with Optum Global Solutions (Philippines) Inc. ("Company") with
its principal place of business at 6th, 7th, 8th, 9th and 10th Floors, UHG Science Hub, Tower 1, Campus
Avenue corner Turin St., McKinley Hill Cyberpark, Fort Bonifacio, Taguig City, Philippines on the terms set
out in this Employment Contract.

1. Commencement and Term of Employment

1.1 Your employment is intended to be for an indefinite term, subject to you obtaining the necessary work
permit [e.g., alien employment permit ("AEP"), if applicable] and work visa from the relevant government
authorities and maintaining the same in good standing, for your employment or continued employment, as
the case may be, with the Company. Your employment will commence on August 26, 2022, provided you
have submitted and completed all the pre-employment requirements.

1.2 Your employment is subject to:

(a) the Company's satisfaction, in its sole discretion, with the results of a background and reference check
and verification of your salary and employment history which check and verification you hereby consent to.
If such check and verification are conducted through a third party service provider, you agree and
acknowledge that personal information about you may be disclosed to such third party;

For the avoidance of doubt, you understand and agree the Company does not recognize the employee's
length of service in any other company or employer for the purpose of calculating any time-related
statutory or contractual benefits and in determining seniority rights.

(b) your submission to and satisfactory passing of your pre-employment medical examination, consistent
with Company policy and legal requirements, and your submission of all the pre-employment documents
listed in the contingent offer letter or relayed to you by the Company through other means within the
deadlines set by the Company.

(c) your successful completion of a six (6) months or 180 calendar days probationary period commencing
on August 26, 2022 and ending on February 25, 2023 unless sooner terminated for any of the cause
provided by law or this Contract. Your employment is subject to the Company's standards for regularization
of employment, which you hereby acknowledge to have received and to be aware of. These standards are
outlined in Annex "A", which is attached hereto and made integral part of this Contract. During the
probationary period, the Company will evaluate your performance. Your immediate superior or such other
representative appointed by the Company may conduct the evaluation. Your evaluation by the Company
may or may not be made in writing. You hereby agree that it is the prerogative of the Company to evaluate
your performance and decide whether you are qualified to be a regular employee. If you fail to meet the
standards for regularization of employment set by the Company, your appointment may be terminated by
the Company subject to the notification provisions as described below. During the probation period you will
be eligible for benefits in accordance with relevant Company policies. During probationary period your
employment may be terminated in accordance with the Labor Code of the Philippines ("Labor Code"). At
the end of the probationary period, upon complying with the standards for regularization of the Company,
you may become a regular employee. Upon regularization, you agree to be governed by the same terms
and conditions of this agreement as well as other rules and regulations to be issued by the Company; and

(d) termination pursuant to the terms of this agreement, relevant policy and the requirements of
applicable law.
2. Terms and Scope of Employment

2.1 You will be employed in the position of Collections Rep - SWAT - Quezon City, NCR. You will initially
report to the Mgr Recovery/ReSols, or such other person as required by the Company from time to time.

2.2 Your place of work will be in MANILA, Philippines or any such other location, including the premises
of the Company's customers, as the Company may designate from time to time. By signing this contract,
you agree that the Company may change your place of work, in its absolute discretion, to another
location.

2.3 You agree, as a condition of your employment and prior to the date of your commencement, that you
will execute the Company's "Confidentiality and Intellectual Property Agreement", accompanying this
Contract (Annex "B").

3. Duties

3.1 Your duties and responsibilities are outlined in Annex "C", which is attached hereto and made an
integral part of this Contract. Your duties and responsibilities may change according to the needs of the
Company. You hereby recognize the right and prerogative of the Company to change your duties and
responsibilities according to the Company's needs. Any change shall also form an integral part of this
Contract as if agreed upon at the time of the execution of this Contract.

3.2 You agree that, during your employment with the Company and in addition to those set forth in
Annex C, you must:

(a) perform to the best of your abilities and knowledge the duties assigned to you by the Company from
time to time, whether during or outside Business Hours and at such places as the
Company requires;

(b) serve the Company faithfully and diligently to the best of your ability;

(c) use all reasonable efforts to promote the interests of the Company;

(d) act in the Company's best interests;

(e) comply with all laws applicable to your position and the duties assigned to you; and

(f) report to the person or persons nominated by the Company from time to time.

3.3 Without limiting your duties to the Company, you must not:

(a) act in conflict with the Company's best interests; or

(b) compete with the Company, or any affiliates (together, the "UnitedHealth Group").

3.4 You agree that, the Company, at its sole discretion, may assign you additional tasks or to a new
manager; modify or remove your assigned duties; or change the place of your employment or your
working schedule and to modify your reporting structure, without additional compensation to you, in
accordance with the Company's needs
4. Salary

4.1 For all services you render, you shall receive a gross salary as set forth in Annex "D", which is attached
hereto and made an integral part of this Agreement. The said salary shall be paid in arrears, one-half on
the 15th of the month and the other one-half at the end of the month.

4.2 Depending on the Company's economic standing, you may be given incentives or bonuses apart from
the amount you are legally entitled to under the 13th Month Pay Law or any other laws.

4.3 Despite as provided in the above paragraph, the right to, and any payments of, incentives and bonuses
will be in accordance with applicable Company policies and this agreement. The above paragraph do not
in any way imply that you have a right or entitlement to receive any incentive or bonus payment or
participate in any scheme which provides for such payments.

4.4 Your basic salary and any payment in respect of the legally mandated thirteenth (13th) Month Pay will
be paid according to local payroll practices, subject to any tax or other deduction provided or permitted by
law in force from time to time, such as Social Security System, Philippine Health Insurance Corporation and
Home Development Mutual Fund (Pag-IBIG Fund) contributions.

4.5 Except for the taxes and contributions mandated by law to be withheld by the Company or for the
government filings required by law to be made by the Company in connection with the salary and other
compensation and benefits arising from this employment, all other taxes and contributions and filings shall
be your responsibility and shall be made by you. Your salary may be reviewed from time to time in
accordance with Company policy, but will not necessarily be increased. This basic salary is paid in
satisfaction of all services rendered by you under this Contract to the extent permitted by law.

5. Discretionary Benefits

5.1 The Company may, at its discretion, from time to time provide you with other benefits. Unlike your
salary, the Company may cease providing these benefits or change the basis on which it provides them at
its discretion and you do not have an entitlement to continue to receive these benefits or to receive any
other payment or benefit in lieu.

5.2 Unless you are advised in writing that a benefit or item of compensation is part of your base salary, it
will be a discretionary benefit to which this clause applies.

5.3 The Company's current discretionary benefits include those as set forth in Annex "D".

6. Vacation Entitlement, Paid Holidays and other benefits

6.1 You will be entitled to vacation leave as set forth in Annex "D". The Company reserves the right to
change the same, subject to applicable law.

6.2 You are entitled to public holidays in accordance with the laws of the Philippines. Such public holidays
do not form part of your annual vacation entitlement. Nevertheless, by signing this Agreement, you hereby
agree that the Company may move the celebration of a holiday to another date, at the complete discretion
of the company. You also acknowledge that you have received a copy of and agreed to, the Company's
flexi-holiday policy.

6.3 Vacation days and public holidays that are considered regular holidays will be paid as actual
workdays.
6.4 Upon termination of your employment for any reason whatsoever, your outstanding accrued vacation
days shall not be paid to you, unless otherwise provided by law.

6.5 You shall also be entitled to other benefits and leaves, whenever applicable, under Company policies.

6.6 A summary of your benefits and entitlements is provided in Annex "D" of this employment contract.

7. Hours of Work

7.1 The working hours under this Contract will be forty (40) hours per week. You may be required to work
in excess of or outside normal working hours as necessary to perform your duties and responsibilities. You
may also be required to work on irregular hours as assigned and necessary for the nature of your work. By
signing this Contract, you hereby agree that the Company may implement Flexi hours, subject to applicable
laws.

7.2 By signing this Contract, you thereby consent to render work outside your normal working hours,
including overtime work, whenever required by the Company. You further understand that overtime pay
and any other premium pay for work rendered outside your normal working hours shall be paid only if such
work is expressly requested or approved, as the case may be, by your supervisor or manager, and you are
legally entitled to such additional pay under Philippine law.

In cases of managerial employees, managerial staff and other exempt employees, the salary payable to
them is already an adequate compensation in case they are required to work for any additional hours and
they shall not be entitled to any additional payment in this regard.

The Company shall pay overtime pay and other additional compensation to its employees in accordance
with Philippine law and the provisions of this Contract.

7.3 You will have two (2) rest days per week, the schedule of which will be determined by the
Company. While there may be a day or days in a week (other than your scheduled weekly rest days) when
you will not be required to report for work, such day or days will not be considered additional rest day or
rest days, but will be considered normal work day or work days without work.

7.4 The Company will operate in a 24 x 7 working environment and you agree to be assigned to or work
in any shift / days, subject to the complete discretion of the Company.

7.5 Subject to other relevant company policies, you will be paid a night shift differential premium
corresponding to the time you have rendered work between 10pm to 6am.

8. Business Travel

8.1 Your duties may require you to engage in travel on behalf of the Company including travel outside the
Philippines. As a consequence, you must work any additional hours as required. You expressly agree to
accept such reasonable travel and hours of work without additional compensation, subject to applicable
law.

8.2 Business travel and assignments outside of the Philippines will be notified to you in advance, but you
agree that you will not refuse such travel and assignments without imperative reasons.

9. Expenses

Authorized Company expenses will be reimbursed to you in accordance with Company policy in place from
time to time, upon your presentation of documentary evidence of each expense acceptable to the Company.
10. Disability and Sick Leave

10.1 You will be entitled to paid sick leave in accordance with the Company's policy in place from time to
time, subject to applicable law. Such leave will not accrue from year to year and you will not be entitled to
any payment in respect of such leave on termination of your employment.

10.2 You are required to notify the Company immediately of every absence from work and its probable
duration. Upon request by the Company, you must promptly provide the Company with reasons for the
absence.

10.3 Without limiting its statutory rights, before granting paid or unpaid sick leave, or during or after any
period of sick leave, the Company may, to the extent permitted by law:

(a) require you to provide the Company with satisfactory evidence confirming your illness or injury;
and/or

(b) require you to be examined by a medical practitioner nominated by the Company in respect of the
illness or injury, who will provide a report to the Company.

10.4 Upon termination of your employment, any accrued but untaken sick leave will not be paid to you.

11. Termination of Employment Relationship

11.1 Your employment may be terminated by the Company for just and authorized causes pursuant to
Articles 297 to 299 of the Labor Code of the Philippines.

11.2 In addition to the just and authorized causes for the termination of employment enumerated in
Articles 297 to 299 of the Labor Code of the Philippines, the following acts and/or omissions shall, without
limitation, similarly constitute just and authorized grounds for the termination of your employment by the
Company and/or grounds for the Company to impose disciplinary measures against you:

(a) intentional or unintentional violation of the policies, rules and regulations of the Company;

(b) commission of an act which effects a loss of confidence on the part of the Company with regard to
your ability to satisfactorily perform the duties and requirements of your
employment;

(c) serious misuse or abuse of the Company's property, facilities and/or resources;

(d) commission of an act which may constitute a crime or offense against a supervisor, co-employee or
the Company or its representatives;

(e) failure to attain a satisfactory grade in two consecutive performance evaluation made by the
Company or its representatives;

(f) intentional or unintentional disregard of the disciplinary measures or sanctions imposed by the
Company or its representatives;

(g) directly or indirectly participating, engaging and/or entering into personal business arrangement
involving products and/or services of the Company or products and/or services of the
competitors of the Company;
(h) intentional or unintentional violation or breach of confidentiality of information belonging to the
Company, including any breach of the 'Confidentiality and Proprietary Information
Agreement';

(i) failure to meet the standards for regularization;

(j) abandonment;

(k) failure to submit the all required pre-employment documents listed in the contingent offer letter or
relayed by the Company through other means, or to complete the pre-employment medical examination,
within the deadlines set by the Company;

(l) unsatisfactory result of any background or database searches carried out on you on a periodic basis,
including but not limited to: checks relating to serious and organised crimes with regulatory authorities,
law enforcement agencies, compliance authorities, web and media searches; global sanctions and
watchlist check; checks as against worldwide economic sanctions lists and government sanctions and
debarment lists; and
(m) other similar acts, omissions, and/or events.

11.3 The termination of your employment howsoever arising shall not affect such of the terms hereof as
are expressed to operate or have effect thereafter and shall be without prejudice to any right of action
already accrued to the Company in respect of any breach or default by you.

11.4 If your employment is terminated for any reason:

(a) the Company may set-off amounts you owe the Company against any amounts the Company owes
you at the date of termination except for amounts the Company is by law not
entitled to set-off;

(b) you must return all the Company's property (including property leased by the Company) to the
Company on termination including all written or machine readable material, software,
computers, credit cards, keys and vehicles;

(c) your obligations contained within the "Confidentiality and Intellectual Property Agreement" that you
are required to sign in connection with your employment, continue after the
termination of your employment;

(d) you must not record or retain any confidential information in any form after termination; and

(e) you must return your Alien Certificate of Registration Identification Card and AEP Card to the
Company for the cancellation by the proper authorities. In certain cases, you may be
required to downgrade your visa to a temporary visitor's or 9(a) visa.

11.5 Subject to applicable law, the Company may suspend you without pay while investigating any
matter which the Company believes could lead to the Company exercising its rights or taking any other
disciplinary action.

11.6 Subject to law, other provisions of this agreement and termination policy of the Company, you may
terminate this employment contract by serving a mandatory written notice on the Company of at least
one (1) month in advance. Nonetheless, upon the complete discretion of the Company, this 30-day notice
requirement may be waived by the Company by requiring you to pay a sum at least equal to your base
salary for 30 days instead.
11.7 Upon the termination of the employee's employment, for whatever reason, the Company will be
entitled to deduct from any payments then due or becoming due to the employee (whether in respect of
any period before such termination or not) any moneys which may then be or become due thereafter
from the employee to the Company.

Upon the termination of the employee's employment, for whatever reason, the employee shall forthwith
return all property belonging to the Company including but not limited to, documents, equipment and
other working materials. The Company reserves the right to make deductions for any items not returned
or damage to any such items.

By signing this contract, you hereby consent to the withholding of and deduction from your salary and
from other amounts to be paid in severance as expressed above.

12. Redundancy and Other Authorized Causes to Terminate Employment

12.1 If your employment is terminated for redundancy, retrenchment, installment of labor saving
devices, closure, or disease, you agree that:

(a) clauses 11.3 and 11.4 (above) will apply; and

(b) you are not entitled to any payment from the Company except for:

(i) any remuneration due to you but unpaid at the date of termination; and

(ii) any amount required under applicable law to be paid.

13. No Conflict of Interest

13.1 You warrant that:

(a) you have not entered into any other agreement or arrangement which may be in conflict with the
terms and conditions of your employment with the Company, or which would preclude you from fully
performing your job responsibilities for the Company; and

(b) your performance of your duties for the Company does not and will not breach any obligation you have
to keep in confidence: proprietary information; knowledge or data acquired by you in confidence or in trust
prior to your employment by the Company; and you will not disclose to the Company or induce the Company
to use any confidential or proprietary information or material belonging to any previous employers or others.

(c) you do not have any outside business interest including non-Company-related work whether paid or
unpaid, business ventures, directorships, partnerships or a direct or indirect financial interest which has
the potential to be in conflict with your employment with the company or the interests of UnitedHealth
Group and its affiliates or their partners, customers and suppliers; or

(d) engaging in any activity that might compete directly or indirectly with the company or the
UnitedHealth Group and its affiliates or might pose a conflict of interest with your employment; or

(e) having or gaining an interest including a direct or indirect financial interest (for example, ownership
of shares or ownership or investment in an outside business), which might pose a conflict of interest with
your employment; or

(f) any other employment, activity, or undertaking which may create conflict of interest or may interfere
with your employment.
13.2 During your employment with the Company, you agree not to become associated as an owner,
employee, agent, consultant, officer or partner or in any other capacity with any business which furnishes
services or products similar to those of the company or any member of the UnitedHealth Group and its
affiliates or which in any way otherwise competes with any member of the company the UnitedHealth
Group and its affiliates. While you are employed by the Company, you also agree not to become a
director of any company or business, without the Company's prior written consent.

13.3 You hereby represent and warrant that you are not subject to any restrictions, agreement,
arrangement, contract (including but not limited to, any non-compete restriction), understanding, court
order or otherwise that would directly or indirectly prevent, restrict or prohibit you from working in the
Company, from entering into this Agreement or from fully performing your duties and responsibilities
pursuant to this Agreement. You shall indemnify, defend and hold the Company and its representatives
harmless from and against any and all claims, made or threatened, arising from any such restrictions,
agreement, arrangement, contract (including but not limited to, any non-compete restriction),
understanding, court order or otherwise that directly or indirectly prevents, restricts or prohibits you from
working in the Company, from entering into this Agreement or from fully performing your duties and
responsibilities pursuant to this Agreement. You shall also indemnify the Company for any amount of
damages that the latter may suffer thereby.

13.4 Prior to signing this Contract, you shall terminate all business relationships, employment or concerns
with which you may be personally involved with.

14. Non-competition and Non-solicitation

14.1 For three (3) months after the date of the termination of your employment you must not and must
not prepare to, within the Metro Manila: participate in; assist with; or otherwise be directly or indirectly
involved as a member, shareholder (other than a shareholding of less than five percent (5%) in a
company listed on any recognized stock exchange), unit holder, director, consultant, adviser, contractor,
principal, agent, manager, employee, beneficiary, partner, associate, trustee or financier of, any business
or activity:

(a) that is the same or similar to a part or parts of a business: (A) carried on by the Company or a
member or members of the UnitedHealth Group and its affiliates and (B) in which you worked at any time
during the 12 months prior to the date of the termination of your employment; or

(b) for any person, company or other entity that competes with the Company or any member of the
UnitedHealth Group and its affiliates.

14.2 During and for twelve (12) months after your employment with the Company ends, regardless of the
reason that it ends, you must not solicit, canvass, approach or accept any approach from directly or
indirectly, either alone or in concert with others:

(a) any existing or potential customer, client, supplier, vendor, or contractor of the Company or the
UnitedHealth Group and its affiliates with whom you worked, had material dealings, or gained knowledge
of within the twelve (12) months prior to the termination of your employment; or

(b) any employee of the Company or any other member the UnitedHealth Group and its affiliates is
employed in a senior, managerial, technical, supervisory, sales or marketing capacity.

14.3 You agree that any breach, violation or evasion of this provision will result in immediate and
irreparable injuries and harm to the Company or the UnitedHealth Group and its affiliates and you agree
that the Company or the UnitedHealth Group and its affiliates seeking to enforce this agreement will have
recourse to the remedies of injunction and specific performance, or either of such remedies, as well as all
other legal or equitable remedies to which such company may be entitled.

15. Compliance with the Foreign Corrupt Practices Act and Domestic Anti-Corruption and
Anti-Bribery Laws

15.1 Compliance with the U.S. Foreign Corrupt Practices Act ("FCPA"). You agree that you will not:

(a) use, offer or promise to use any funds or thing of value for any unlawful contribution, gift,
entertainment, or any other unlawful payment or expenses relating to political activity, or;

(b) make, offer to make, or promise to make any unlawful contribution, gift, or any other payment of
money or anything of value to any foreign or domestic Government official or employee, or to any foreign
or domestic political party or campaign or any candidate for foreign or domestic political office.

15.2 Compliance with Philippine anti-corruption and anti-bribery laws. You agree that you will not:

(a) directly or indirectly bribe a Government official or employee, or otherwise directly or indirectly give,
offer or promise to give or offer any gift, present, share, percentage, or pecuniary or material benefit or
interest, for yourself or for the Company, to a Government official or employee by reason of the said
official's or employees' office; or,

(b) directly or indirectly persuade, induce or influence a Government official or employee to do or omit to
do any act in violation of the lawful duties of such official, to secure an improper advantage, whether for
yourself or the Company, or to commit an offense or violation of rules/regulations.

15.3 In this clause, "Government" is defined as any domestic or foreign government, department, agency
or instrumentality, including any corporation, company, or other organization owned or controlled by any
domestic or foreign Government, or any public international organization and/or any domestic or foreign
political party.

15.4 The Company which is part of UnitedHealth Group may terminate this agreement with you at its sole
discretion at any time if the Company or UnitedHealth Group determines that you have breached this
provision, or have otherwise engaged in any action or conduct in violation of the FCPA or any other
applicable anti-bribery or anti-corruption law or regulation in any jurisdiction.

15.5 At its sole discretion, the Company which is part of UnitedHealth Group may decide to disclose to
the U.S. and/or any other Government the facts of any violation of this provision by you.

16. Employee Personal Information

16.1 The Company understands that privacy of information is important to you. The Company does not
sell or otherwise share personally identifiable information except as provided below.

16.2 You consent to the processing and use of your Personal Data held by the Company for legal,
personnel, administrative and/or management purposes. You further consent to the transfer of your
Personal Data to other members of the UnitedHealth Group and its affiliates and to other third parties
including those who provide products or services to the Company (such as benefit providers and payroll
administrators), legal counsel, regulatory authorities, potential or future employers and potential
purchasers of the Company or the business in which you work provided that the transfer is for one of the
purposes referred to above, even where the recipient of the data is located in a country or territory which
does not maintain adequate data protection standards but where the Company has nevertheless installed
reasonable technical safeguards to avoid unauthorized access.
16.3 I further consent to my Personal Data being stored on a central database in the USA or wherever it
may be located in the future, which is accessible by persons from the company or the UnitedHealth
Group its affiliates and other third parties mentioned abovein a number of different countries or
territories, including countries and territories which do not maintain adequate data protection standards.
For the purposes of this consent, "Personal Data" includes, but is not limited to: name, address and
contact details, date of birth, marital status, educational background, employment application, history
with the company, job title, areas of expertise, details of salary and benefits, social security number,
bank details, performance appraisals, salary reviews, records relating to holiday and other leave, working
time records, details of any shares of common stock or directorships of the Company or any other
member of the UnitedHealth Group held by you, details of all stock options, phantom stock options, or
any entitlement to shares of common stock of the Company or any other member of the UnitedHealth
Group awarded, cancelled, exercised, vested, unvested or outstanding in your favour and other
management records. Personal Data also includes Sensitive Personal Data relating to your health
(including information in the employee medical questionnaire, records of sickness absence, medical
certificates and reports).

17. Monitoring of Use of Information Technology and Communications

17.1 You acknowledge that the Company's local and wide area network infrastructure and its
telecommunications system and its components, including telephones, mobile phones, facsimile
machines, photocopiers, printers, personal organizers, computers and servers, as well as the applications
running on and services provided by these systems including paper-based documents that are generated,
e-mail and voicemail, Internet and Intranet, and file storage facilities ("IT systems") and all oral
communications, telephone conversations, information and messages or any part of a message (whether
in the form of data, texts, images, speech or any other form) transferred via and/or stored on the IT
systems, including any recording and/or copies made of such communications, and any attachments to
such communications ("Communications") made via the IT systems are the property of the
Company. The IT systems must be used only to conduct Company business and to enhance your
productivity.

17.2 You acknowledge that the Company has the right to monitor, record, or access any Communications
made via the IT systems, electronic files or paper-based files, or other uses or applications of the IT
systems for compliance with Company policies. You should have no expectation of privacy when using
company IT systems.

18. Applicable Law

This agreement is to be governed and construed by the laws of the Manila, Philippines and the parties
irrevocably and unconditionally submit to the exclusive jurisdiction of the courts of the Philippines.

19. No Waiver

The failure by the Company at any time to insist on performance of any provision of the agreement set
out in this letter is not a waiver of its right at any later time to insist on performance of that or any other
provision of the agreement set out in this letter.

20. Reference or Background Checks

The offer of employment and any consequent employment relationship is contingent upon satisfactory
reference and/or background checks, as well as verification of your employment and salary history, and
background and database searches carried out on you on a periodic basis, including but not limited to:
checks relating to serious and organised crimes with regulatory authorities, law enforcement agencies,
compliance authorities, web and media searches; global sanctions and watchlist check; checks as against
worldwide economic sanctions lists and government exclusion and debarment lists. You consent that
Subject to applicable law, any false information provided by you may be a ground to terminate your
employment with no compensation to you.

21. Severability

The Company and you mutually agree that the provisions of this Contract are severable, and if any one
provision is found to be unenforceable in whole or in part, the remainder of the agreement will remain
valid and enforceable. The Company and you further agree that the court should modify any provision to
make it enforceable.

22. Successors and Assigns

The Company will have the right to assign this Contract and all covenants and agreements herein will
inure to the benefit of and be enforceable by such successors and assigns. This Contract is personal to
you and cannot be assigned by you in whole or in part.

23. Variation and Exercise of Rights

23.1 This Contract may only be altered in writing signed by each party. The Company reserves the right,
in the event of there being any variance in any terms and conditions of employment or in such policies
and direction that may be circulated and communicated to you, to construe such variance in the manner
that best reconciles such difference having regard to the objectives and purpose of your employment
under this agreement. The Company's construction and reconciliation of such variance will be final.

23.2 Any variation to this Contract must be in writing and agreed by both parties. The exercise of any
right or discretion by the Company under the agreement set out in this Contract or in connection with
your employment is in its absolute discretion and is not subject to any implied restrictions (including any
implied term of mutual trust and confidence).

24. Company's Policies and Procedures

You agree that during your employment with the Company, you will comply with the Company's policies
and procedures in place from time to time. These policies and proceduresapply to you and the Company
may adopt, vary or rescind these policies from time to time in its absolute discretion and without any
limitation (implied or otherwise) on its ability to do so. You further agree that it is incumbent upon you to
make yourself aware of any and all Company policies, rules and regulations, whether printed, posted,
available electronically or in any other form of communication.

25. Entire Agreement

25.1 This Contract and the Confidentiality and Intellectual Property Agreement set out the entire
agreement and understanding between the Company and you relating to your employment and merge all
prior discussions between the parties, including but not limited to any and all statements made by any
officer, employee or representative of the Company or any member the UnitedHealth Group and its
affiliates regarding the Company or any member of the UnitedHealth Group and its affiliates financial
condition or future prospects.

25.2 You understand and acknowledge that, except as set out in this Contract and in the Confidentiality
and Intellectual Property Agreement, (i) no other representation or inducement has been made to you,
(ii) you have relied on your own judgment and investigation in accepting your employment, and (iii) you
have not relied on any representation or inducement made by any officer, employee or representative of
the company or any member of the UnitedHealth Group and its affiliates.
26. Miscellaneous

Headings are for ease of reference only and do not affect the meaning of the agreement set out in this
letter. Unless expressly indicated otherwise, references to monetary amounts are references to an
amount expressed in the currency of the Philippines.

To accept the Company's offer, please sign the second copy of this Contract and return it to Josefin
Espiritu by August 26, 2022. If this Contract is not signed and returned by you by August 26, 2022
signifying your acceptance of this offer, this offer of employment will lapse. You should retain the other
copy of this Contract for your own records.

On behalf of Optum Global Solutions (Philippines) Inc.

AGREED AND EXECUTED By:

___________________________
Rainier Y. Tan Clarice Marie Domingo Decano
Vice President - Human Capital Partner
___________________________
Date

Annex "A"
STANDARDS FOR REGULARIZATION OF EMPLOYMENT

External Appearance

• You must keep yourself neat, presentable and well groomed at all times. You must carry yourself
in a dignified and respectful manner.

Attendance & Punctuality

• You must be able to strictly observe scheduled workdays, work hours and break periods. You
must be able to report to work regularly and on time. Frequent absences, tardiness or
"undertime" is strictly forbidden.

Job Competence

• You must prove your knowledge and understanding of the nature, details and demands of your
job. You must be able to demonstrate ease in learning the rudiments of your job and in
understanding instructions.
Attitude

• You must demonstrate a sincere interest and enthusiasm in your job. You must show a positive
outlook towards the Company, its business, operations, beliefs and concerns. You must show
willingness to learn and to overcome job difficulties. You must be able to perform your job with
a positive attitude even while working under stress. This includes having the quality of initiative,
responsibility and foresight.

Discipline

• You must be able to comply with the Company's rules and regulations. You must be able to
show maturity in accepting criticisms and remarks regarding your work and attitude.

Attitude towards Co-employees and Superiors

• You must be able to show respect to your superiors, co-employees and others in general. You
must be able to work well with others. This includes the ability to cooperate and to work as part
of a team.

Background Checks and Database Searches

• You must be able to complete and pass all background checks that the Company will conduct,
including reference check and verification of your identity, education and your salary and
employment history, and all background and database searches carried out on you on a periodic
basis, including but not limited to: checks relating to serious and organised crimes with
regulatory authorities, law enforcement agencies, compliance authorities, web and media
searches; global sanctions and watchlist check; checks as against worldwide economic sanctions
lists and United States debarment lists.

Completion of Pre-Employment Requirements

• You must be able to submit all the pre-employment documents listed in the contingent offer
letter or relayed to you by the Company through other means, and to complete the pre-
employment medical examination, within the deadlines set by the Company.

Work Quality as Billing Rep

• You must be able to prove to the satisfaction of the Company advanced skills, initiative and
competence in your duties and responsibilities.

Agreed to and accepted by:

______________________________ _______________________________
Clarice Marie Domingo Decano Date
 Annex "C"

Name : Clarice Marie Domingo Decano

Title / Status : Collections Rep - SWAT - Quezon City, NCR

Place of Assignment : MANILA, Philippines

Reports to : Mgr Recovery/ReSols

Normal work schedule : The Company may vary the work schedule depending on the
needs of its businesses.

JOB DESCRIPTION, MAIN DUTIES AND RESPONSIBITIES:

All of us have a short list of the things that make a job great. If your list includes being able to make a
difference, count us in as your next place to work. UnitedHealth Group is a Fortune 6 leader in health
care at a time when health care is evolving for everyone. Our billing teams are part of an important chain
of events that impact the lives of our members in positive ways. Join this group and we'll have an impact
on you. Apply now and discover the exceptional training, support and opportunities to grow that you'd
expect from a Fortune 6 leader.
Primary Responsibilities
• Interact with customers to gather support data to ensure invoice accuracy and also work through
specific billing discrepancies
• Provide input to policies, systems, methods and procedures for the effective management and control
of the premium billing function
• Educate customers regarding the availability of receiving invoices and remitting payments through
online applications
• Monitor outstanding balances and take appropriate actions to ensure clients pay as billed
• Manage the preparation of invoices and complete reconciliation of billing with accounts receivables
What makes this a special challenge? For one, we want to create a quality experience for every person
we serve. So the bar is high for accuracy, communications style and effectiveness. Also, you'll need to be
researching and resolving problems before, during and after calls within a high volume, demanding
environment.

OTHER DUTIES AND RESPONSIBILITIES:

a) Abide by and perform to the best of your abilities all functions, duties and responsibilities to be
assigned by the Company in due course;

b) Comply with the orders and instructions given from time to time by the Company through its
authorized representatives;

c) Shall not disclose any confidential information in respect of the affairs of the Company to any
unauthorized person;

d) Perform any other administrative or non-administrative duties as assigned by any representative of the
Company from time to time either through direct written order or by oral assignment.
Agreed to and accepted by:

______________________________ _______________________________
Clarice Marie Domingo Decano Date

Annex "D"

Compensation
Monthly Basic Salary 28,000
Salary Grade 23
Allowances/Premium Payments
13th month pay 1 month basic salary (pro rated for the first year)
Rice Allowance PHP 1,500 per month
Meal Allowance PHP 1,500 per month
Clothing Allowance PHP 300 per month
Laundry Allowance PHP 300 per month
Note: The compensation and benefits listed herein are confidential information and or
illustration only. You shall not divulge or disclose any compensation or benefits, including
your own, to any one, except to authorized personnel of the Company.

Further, subject to applicable law, the Company reserves the right to change the basis of or
discontinue the benefits listed herein. With your signature below, you agree that the
Company may change or withdraw any of these benefits through a supplementary annexure
to Annex "D", without need of obtaining your consent or amending your employment
contract.

Agreed to and accepted by:

_____________________________ _______________________________
Clarice Marie Domingo Decano Date

CONFIDENTIALITY AND INTELLECTUAL PROPERTY AGREEMENT

A. Introduction

This Agreement confirms certain terms of my employment with Optum Global Solutions (Philippines)
Inc. ("Company"), and is a material part of the consideration for my employment by the Company and
the compensation received by me from the Company from time to time. The headings contained in this
Agreement are for convenience only, have no legal significance, and do not change or limit this
Agreement in any manner.

B. Definitions

1. The "Group"
In this Agreement, the "Group" refers to the Company, UnitedHealth Group, and each of their respective
subsidiaries and affiliated companies. "Group Member" refers to any member of the Group.
2. "Proprietary Information"
In this Agreement, "Proprietary Information" is information: that was, is or will be developed, created, or
discovered by or on behalf of a Group Member; or that became, becomes or will become known by; or
was, is or will be conveyed to a Group Member, which has commercial value in a Group Member's
business.

"Proprietary Information" includes, but is not limited to: (i) information or material that gives or could
give a Group Member some competitive advantage or the disclosure of which could be detrimental to a
Group Member's interest; (ii) Inventions; (iii) information regarding Inventions, products, services, plans
for research and development and actual research and development, Intellectual Property Rights,
marketing and business plans, budgets and forecasts, financial statements, contracts, prices, competitors,
suppliers, customers, manufacturing, design and engineering processes, product lines, (iv) information
regarding the personal data, skills and/or compensation of a Group Member's employees, contractors,
and any other service providers of a Group Member; (v) the existence of any business discussions,
negotiations, or agreements between a Group Member and any third party; (vi) any other confidential
information of a Group Member; and (vii) any confidential knowledge, data or information of a third party
that a Group Member is under a duty to keep confidential. For the avoidance of doubt, Proprietary
Information does not include any information which is or which becomes publicly available (other than as
a result of a breach of confidentiality by or involving me).

3. "Group Documents and Materials"

In this Agreement, "Group Documents and Materials" are documents or other media or tangible items
that refer to, relate to, contain or embody Proprietary Information or any other information concerning
the business, operations or plans of any Group Member, whether such documents, media or items have
been prepared by me or by others.
"Group Documents and Materials" include, but are not limited to, blueprints, drawings, photographs,
charts, graphs, notebooks, computer files, disks, tapes or printouts, sound recordings, any media or items
from which it is possible to represent words, figures or symbols in a visible form and other printed,
typewritten or handwritten documents, sample products, prototypes and models.

4. "Intellectual Property Rights"

In this Agreement, "Intellectual Property Rights" are patents, patent rights, copyright, mask work rights,
trade secret rights, trademark rights, any application or right to apply for registration of any of those
rights and all other intellectual property rights.

5. "Inventions"
In this Agreement, "Inventions" include, but are not limited to, trade secrets, inventions, ideas,
processes, software programs and subroutines, source and object code, algorithms, technology, data,
formulas, programs, other works of authorship, know-how, improvements, discoveries, developments,
designs, and techniques, whether or not patentable.

C. Assignment and Confidentiality of Proprietary Information

I acknowledge and understand that Group Members possess and will possess Proprietary Information and
it is important to their businesses. I acknowledge and understand that my employment creates a
relationship of confidence and trust between the Company and me with respect to Proprietary
Information.

All: (a) Proprietary Information; (b) and Intellectual Property Rights and other rights anywhere in the
world in connection with Proprietary Information, created, produced or developed by me, either jointly
with others or alone: (A) in the course of my employment; (B) during my employment and relating to the
actual or anticipated business or research or development of the Company or any other Group Member;
or (C) with the use of any other Proprietary Information or any of the Company's or any other Group
Member's time, material or facilities, is and will be the sole property of the Company to the maximum
extent permitted by applicable law. Should I have any right, title or interest to such Intellectual Property
Rights by operation of law, I hereby irrevocably and unconditionally agree to assign to the Company, and
agree to waive in favor of the Company, any and all Intellectual Property Rights and other rights, title
and interest that I may have or acquire in such Proprietary Information.

At all times, both during my employment and after its termination, I will keep confidential and will not
use or disclose any Proprietary Information or anything relating to it without the prior written consent of
a duly authorized officer of the Company, except as may be necessary in the ordinary course of
performing the duties of my employment.

I agree that I will not, during my employment with the Company, improperly use or disclose any
proprietary information or trade secrets of any former employer or other person or entity and that I will
not bring onto the premises of the Company any unpublished document or proprietary information
belonging to any such employer, person, or entity unless consented to in writing by such employer,
person, or entity.

If I were asked to disclose any Proprietary Information pursuant to a legal process or otherwise, I will
promptly give written notice of such disclosure requirement to the Company and assist the Company in
obtaining a protective order or other appropriate remedy from the proper authority. I agree that if the
Company is unable to obtain the protective order or other appropriate remedy in a timely manner and I
am compelled to disclose the Proprietary Information, I will furnish only that portion of the Proprietary
Information that is legally required to be disclosed and will exercise all efforts to obtain reliable
assurances that confidential treatment will be accorded to the information disclosed.

D. Disclosure of Inventions

I will promptly disclose in writing to the Group's legal department all Inventions made or discovered or
conceived or reduced to practice or developed by me, either alone or jointly with others: (A) in the
course of my employment; (B) during my employment and relating to the actual or anticipated business
or research or development of the Company or any other Group Member; or (C) with the use of any
Proprietary Information or any of the Company's or any other Group Member's time, material or facilities.

I will also disclose to the Group's legal department all Inventions made, discovered, conceived, reduced
to practice, or developed by me within six (6) months after the termination of my employment. Such
disclosures will be received in confidence (to the extent such Inventions are not assigned to the Company
under Section (F) below) and do not extend the assignment made in Section (F) below.

I will also promptly inform the Group's legal department if I file any patent applications either alone or in
conjunction with others within a six (6) month period after the end of my employment with the Company.

E. Maintenance and Return of Group Documents and Materials

I acknowledge and understand that Group Members possess and will possess "Group Documents and
Materials" which are important to the businesses of Group Members. All Group Documents and Materials
are and will be the sole property of the relevant Group Members.

I agree that during my employment, I will not remove any Group Documents and Materials from the
business premises of any Group Member or deliver any Group Documents and Materials to any person or
entity outside the Group, except as I am required to do in connection with performing the duties of my
employment. I further agree that, immediately upon the termination of my employment for any reason,
or during my employment if so requested by a Group Member, I will return or procure the return of all
Group Documents and Materials, apparatus, equipment and other physical property of the Group, or any
reproduction of such Group Documents and Materials, apparatus, equipment and other physical property
that are in my possession, custody or control, excepting only (i) my personal copies of records relating to
my compensation; (ii) my personal copy of this Agreement and any other document containing my terms
and conditions of employment; and (iii) third-party documents which do not contain any Proprietary
Information, except where such third-party documents are in my possession, custody or control because
of my employment with the Company.

F. Right to New Ideas

1. Assignment of Inventions to the Group

I agree that all Inventions which I make, discover, conceive, reduce to practice or develop (in whole or in
part, either alone or jointly with others): (A) in the course of my employment; (B) during my employment
and relating to the actual or anticipated business or research or development of the Company or any
other Group Member; or (C) with the use of any Proprietary Information or any of the Company's or any
other Group Member's time, material or facilities, will be the sole property of the Company to the
maximum extent permitted by applicable law. For the avoidance of doubt, I agree that I will not retain
any Intellectual Property Rights in such Inventions. I agree that subject to applicable law, the Company is
entitled to apply in its own name for the registration of patents and/or any other Intellectual Property
Right with respect to any and all such Inventions. I agree that my wages are full and adequate
compensation for my services and for any and all of such Inventions.

I acknowledge and agree that the Company will be the sole owner of all Intellectual Property Rights and
other rights in connection with such Inventions. I further acknowledge and agree that copyright to such
Inventions, including, without limitation, any computer programs, programming documentation, and
other works of authorship, will belong to the Company. Should I have any rights to such Inventions by
operation of law, I hereby irrevocably and unconditionally agree to assign to the Company, and agree to
waive in favor of the Company any and all rights (including Intellectual Property Rights), title and interest
that I may have or acquire in connection with such Inventions. If in the course of my employment, I
incorporate into a Group Member's product, process or machine an existing Invention owned by me or in
which I have an interest, I hereby grant the relevant Group Member a nonexclusive, royalty-free,
irrevocable, perpetual, sublicensable, worldwide license to make, have made, modify, use, market, sell
and distribute such existing Invention as part of or in connection with such product, process or machine.
Where such existing Inventions are owned by me jointly with others, I represent and warrant that I will
have secured or will procure, at no additional cost to the Company, the agreement of the other owner(s)
of the Invention to grant the license referred to in the previous sentence. I agree to make and maintain
adequate and current written records, in a form specified by the Company, of all Inventions assigned or
to be assigned, or, in relation to an existing Invention, licensed to the Company, under this Agreement. I
acknowledge and agree that such records will be Group Documents and Materials.

2. Cooperation
I agree to perform, during and after my employment, all acts deemed necessary or desirable by the
Company to permit and assist it in further evidencing and perfecting the assignments and/or waivers
made to or in favor of the Company under this Agreement and in obtaining, maintaining, defending and
enforcing Intellectual Property Rights and any other rights in connection with Inventions, improvements
to Inventions and Proprietary Information in any and all countries. Such acts may include, but are not
limited to, execution of documents and assistance or cooperation in legal proceedings. I irrevocably
designate and appoint the Company and its duly authorized officers and agents, as my agents and
attorney-in-fact to act for and on my behalf and instead of me, to execute and file any documents,
applications or related findings and to do all other lawfully permitted acts to further the purposes set
forth above in this Subsection (2), with the same legal force and effect as if executed by me.
3. Moral Rights
Any assignment of copyright under this agreement (and any ownership of a copyright as a work made
pursuant to an employer-employee relationship) includes all rights of paternity, disclosure and withdrawal
and any other rights that may be known as or referred to as "moral rights" (collectively "Moral
Rights"). To the extent such Moral Rights cannot be assigned under applicable law and to the extent the
following is allowed by the laws of Philippines, I waive such Moral Rights and voluntarily and
unconditionally consent to all and any acts or omissions of the Company, or persons authorized by the
Company, that may violate or infringe such Moral Rights in the absence of such consent. I agree to
execute any documents, or take any other steps necessary, to effect the waiver or consent if requested
by the Company.

4. List of Inventions
I have attached as Exhibit "A" a complete list of all Inventions or improvements to which I claim
ownership ("Prior Inventions") and that I wish to remove from the operation of this Agreement, and I
acknowledge and agree that such list is complete. If no such list is attached to this Agreement, I
represent that I have no Prior Inventions at the time of signing this Agreement.

I acknowledge that if I give permission for a Prior Invention or a part thereof to be incorporated into any
Invention of a Group Member, then I also grant an exclusive worldwide license to each Group Member to
use, adapt, modify, sell and sublicense the Prior Invention as a component or underlying part of the
Invention of the Group Member.

G. Group Authorization for Publication

Prior to my submitting or disclosing for possible publication or dissemination outside the Group any
material prepared by me that incorporates information that concerns any Group Member's business or
anticipated research, I agree to deliver a copy of such material to the Group's legal department for its
review. Within twenty (20) days following such submission, the Company agrees to notify me in writing
whether it believes such material contains any Proprietary Information or Inventions which are the
property of any Group Member, or could lead to the disclosure or dissemination of any Proprietary
Information or such Inventions, and I agree to make such deletions and revisions as are reasonably
requested by the Company to protect any such Proprietary Information and Inventions. I further agree
to obtain the written consent of the Group's legal department prior to any review of such material by
persons outside the Group.

H. Severability
I agree that if one or more provisions of this Agreement are held to be unenforceable under applicable
law, such provisions will be excluded from this Agreement and the balance of the Agreement will be
interpreted as if such provision were so excluded and will be enforceable in accordance with its terms.

I. Authorization to Notify New Employer

I authorize the Company to notify my new employer about my rights and obligations under this
Agreement following the termination of my employment.

J. Entire Agreement
This Agreement and my employment agreement set out the entire agreement and understanding
between the Company and me relating to my employment and merge all prior discussions between us,
including but not limited to any and all statements made by any officer, employee or representative of
any Group Member regarding any Group Member's financial condition or future prospects. I understand
and acknowledge that, except as set out in this Agreement and in the employment agreement between
the Company and me, (i) no other representation or inducement has been made to me, (ii) I have relied
on my own judgment and investigation in accepting my employment (iii) I have not relied on any
representation or inducement made by any officer, employee or representative of any Group Member,
and (iv) I have had an opportunity to seek independent advice (including legal advice) about the nature,
effect and extent of this Agreement. No modification of or amendment to this Agreement nor any waiver
of any rights under this Agreement will be effective unless in writing signed by a member of the Group's
legal department and me. I understand and agree that any subsequent change or changes in my duties,
salary or compensation will not affect the validity or scope of this Agreement.

K. Effective Date
This Agreement will be effective as of the first day of my employment and will be binding upon me, my
heirs, executor, assigns and administrators and will inure to the benefit of the Group Members, their
subsidiaries, successors and assigns. Unless replaced by a similar agreement, this Agreement remains in
full force and effect if my employment is transferred to any other Group Member. In that event, the
Group Member that employs me will be automatically substituted for the Company with respect to this
Agreement.

L. Further Assignment
For the avoidance of doubt, I irrevocably and unconditionally consent and waive any objection to the
further assignment by the Company, to any other Group Member, of any of the rights, titles and interests
(including Intellectual Property Rights) assigned by me to the Company under this Agreement.

M. Governing Law
This Agreement will be interpreted and enforced in accordance with the laws of the Philippines.

N. Priority
For the avoidance of doubt, in the event of any inconsistencies between the obligations in this Agreement
and any other employment related document, this Agreement will prevail.
I HAVE READ THIS AGREEMENT CAREFULLY AND I UNDERSTAND AND ACCEPT THE OBLIGATIONS
WHICH IT IMPOSES UPON ME WITHOUT RESERVATION. NO PROMISES OR REPRESENTATIONS HAVE
BEEN MADE TO ME TO INDUCE ME TO SIGN THIS AGREEMENT. I SIGN THIS AGREEMENT
VOLUNTARILY AND FREELY.

Date
____________________________________
Clarice Marie Domingo Decano

____________________________________
Employee Signature

____________________________________
Employee ID

Acknowledged and agreed by Optum Global Solutions (Philippines) Inc.

Rainier Y. Tan
Vice President - Human Capital Partner
 EXHIBIT A

1. The following is a complete list of all Inventions or improvements to Inventions relevant to the subject
matter of my employment that have been made or discovered or conceived or first reduced to practice by
me or jointly with others prior to my employment that I wish to remove from the operation of this
Confidentiality and Intellectual Property Agreement:

• No Inventions or improvements.
• See below; any Inventions regarding the following:
• Additional sheets attached.

2. The following is a complete list of all patents and patent applications listing me as an inventor,
including any patent or patent application filed by me or jointly with others prior to my employment:

• No patents or patent applications.

• See below:

3. I propose to bring to my employment the following materials and documents of a former employer:

• No materials or documents.
• See below:

Date
____________________________________
Clarice Marie Domingo Decano

____________________________________
Employee Signature

____________________________________
Employee ID
 Employee Benefits Brochure

All of us at Optum are bound by more than our mission and our culture. While we’re each one of a kind,
we share an incredible enthusiasm for living. So when it comes to recognizing the hard work of our
employees, we’ve put together programs and options that fully address their unique lifestyles and needs.
From fitness to financial planning, it’s our way of saying thanks for doing your life’s best work.SM

We offer competitive health and well-being options and we contribute significantly to the cost of benefits
for you and your family. So no matter when or where you begin your career with Optum, you’ll find a wide
range of benefits — options that offer greater flexibility to tailor your benefits to your individual needs.

Read on and learn about the benefits we offer our employees as part of their Total Rewards. Learn more
about your career options by visiting https://careers.unitedhealthgroup.com/.

Cash Compensation

Fixed Cash Allowances

Rice, meal, clothing, laundry, transportation and car allowances form part of the fixed cash allowances
provided. Transportation and car allowances are provided based on an employee’s job grade and
location.

Guaranteed Bonus

It is also known as the 13th-month pay and is paid to all Optum employees. This bonus is equivalent to
one month’s basic salary subject to applicable pro-ratio based on actual number of days rendered in a
year.

Variable Compensation Plan

Every employee has an opportunity to participate in a variable compensation plan, which is an important
part of total compensation opportunity.

Our philosophy is Pay-for-Performance. This intends to differentiate pay between “exceeds” and “meets”
performers.

There are 2 types of variable compensation plan - Rewarding Results Plan and Quarterly Variable
Compensation. These are not guaranteed and payouts are based on different factors. An employee may
only be enrolled in one type of incentive plan.

Rewarding Results Plan (RRP)

The majority of employees are eligible for Rewarding Results Plan. This is paid annually during Common
Review.
The RRP is an opportunity to receive cash awards for achieving results. It is a tangible link between the
success of the company and the individual. Each employee has a target incentive or funding rate which
is the basis in establishing the budget.

At the end of the performance year, the Manager, based upon a multitude of factors including: base
salary, grade level funding factor, entity rating, and new hire proration if applicable, distribute rewards to
employees based on their individual performance against their goals.

Quarterly Variable Compensation

A large portion of our Operations employees are eligible for the Quarterly Variable Compensation plan
(QVC). The QVC ties directly to our pay for performance philosophy. It rewards employees who have a
direct, positive impact on customer experience.

QVC payout is based on the achievement of a set of clearly defined performance expectations for
employees. This intends to drive the quality of the customer experience by rewarding top performers
with frequent incentive payouts when they achieve and exceed our efficiency, quality and customer-
satisfaction expectations.

Pay Review

The company undertakes an annual performance-related salary review called Common Review. As a
result of the salary review, employees may receive a salary increase called merit increase. The merit
increase is not an entitlement and is subject to an individual’s performance and achievement of
objectives.

Holiday Pay and Rest Day Premium

Holiday pay and rest day premiums are provided as per the applicable statutory premium rates
depending on the employee’s eligibility.

Overtime Pay

Employees who are eligible for overtime are those who do not hold supervisory or managerial
responsibilities/positions and are required to work on holidays or beyond their stipulated regular work
hours. Overtime pay will apply only to individuals who work beyond regular work hours.

Night Shift Premium

Employees at salary grades 20 – 26 who are required to work between 10PM and 6AM are eligible for the
Night Shift Differential. This is an additional compensation of 10% of an employee’s regular wage per
hour.

Benefits

Retirement Plan

The retirement plan is designed to secure your future as you help make the health system work better
for everyone. Eligible employees are automatically enrolled in the program. The plan rewards tenure,
encourages voluntary contribution, and commitment in doing your life’s best work.
Types of Contribution

Core Employer Contribution The company will contribute a percentage of the monthly basic
salary of employees whose tenure is 2 years and 1 day.

Employee Voluntary Contribution
Employer Matching Contribution
Employees may contribute a percentage of their monthly basic
salary to their retirement account
Additional contribution made by the company to match your
voluntary contributions. Scales in proportion to the participant
contribution

Features of the Retirement Plan

• Retirement benefit will be paid in lump sum. Please refer to the Hub Retirement Policy page for
more details.
• The program rewards tenure and saving up for your future. Employer matching contribution
scales with your employee voluntary contribution.
• Encouraging Inclusion & Diversity: Flexibility for employees to nominate common gender
partners as beneficiaries

Health and Wellness

Medical Plan (HMO Type)

• In-patient and Outpatient cover for eligible employees (18 to 65 years old) and enrolled
dependents subject to maximum benefit limit per illness and defined exclusions
• Covers up to max of 3 eligible dependents at same benefit limit as the employee’s ( Refer to
policy for the dependents’ eligibility and hierarchy)
• Spouse and children are covered at 100% premium paid by the Company while parents (not over
65 years of age) are covered at 50-50 sharing on premium
• Co-pay on actual claims amount applies when services are availed at identified major hospitals
• Flexible Options – Additional coverages that can be availed at the expense of the employee
(Refer to policy for full details of the options)
o Top-Up Options: ability to increase inpatient benefit cover at very minimal cost.
o Voluntary Solutions: ability to cover additional dependents in excess of the 3 allowed at
lower cost than retail

Outpatient Medicines, Dental and Optical Reimbursement

• Employees are provided allowances in the form of reimbursement for outpatient

medicines, dental and optical.
• Reimbursement limits are applied on a per family unit basis
• Eligible dependents are those also covered under the HMO

Annual Physical Exam

The Company covers expenses for routine medical check-up of all employees every year.

Wellness Program - LiveWell

The Company offers various wellness programs within a holistic approach that cover mind, body, soul and
nutrition and that provide support and resources to help employees take positive action toward a
healthier lifestyle.
Life and Disability Insurance

Group Life Insurance (GLI)

This benefit covers death due to any cause, with a rider for total and permanent disability and terminal
illness living benefit. The amount of insurance coverage is equivalent to two times (2x) the employee’s
annual base salary. All employees are automatically covered up to a no-evidence limit.

Accidental Death and Disablement

This benefit covers death and disability caused by an accident. The amount of insurance coverage in
case of death is equivalent to two times (2x) the employee’s annual base salary while the benefit for
disability is based on the disability benefit schedule specified in the policy.

Paid Time-Off Benefits

Time away from work is an important part of Total Rewards, ensuring employees have time to pursue
their passion, to get better when sick and to take care of personal business.

Benefits Maximum Frequencies

Annual/Vacation Leave 15 days per year
Sick Leave 10 days per year
Bereavement Leave 3 days per occasion
Public Holidays The number of holidays may vary per year
105 days for natural childbirth or cesarean (C-section) delivery
15 additional days for Solo Parent
Maternity Leave
7 days may be allocated to an alternate caregiver
60 days for Miscarriage or Emergency Termination
7 days (when the spouse has delivered a child or suffered
Paternity Leave
miscarriage
Solo Parent Leave 7 days per year (subject to compliance to requirements as per law)
2 months (special leave entitlement for women — with full pay
Magna Carta Leave based on gross monthly compensation — following surgery caused
by gynecological disorders.)
A maximum of 5 working days (Sick leave days may be encashed
Unused Leave Encashment at the end of the calendar year following the rules as stated in the
policy).
Employees may carry forward up to 5 days of unused annual leave
Leave Carry Forward
into the next year. Unused leaves above 5 days are forfeited.

Employee Assistance Program (EAP)

The Company provides an Employee Assistance Program (EAP) which aims to provide confidential
assistance to employees and their families for variety of concerns that are personal, legal and financial in
nature.

Statutory Social Security Benefits

1. Social Security Program

 The social security program provides a package of benefits in the event of death, disability, sickness,
maternity or old age. Employee and employer contributions as defined by law are followed.

2. Salary Protection - Employee Compensation Program

The employee compensation program (ECP) is a government program designed to provide a

package of benefits for employees and their dependents in the event of work-related
contingencies such as sickness, injury disability and health. Optum provides the employer match
as defined by law.

3. Hospitalization/Medical - Philippine Health Insurance

Philhealth Insurance is a health insurance program for SSS members and their dependents for
which employee and employer contributions are made as defined by law. Through this program,
the healthy subsidize the sick who may find themselves in need of financial assistance when they
become hospitalized. Optum provides the employer match as defined by law.

4. Savings and Housing - Home Development Mutual Fund (Pag-IBIG)

The fund offers its members savings, short term loans and access to housing programs. These
programs help finance members for their immediate medical, educational or livelihood needs,
minor home improvement, purchase of appliance and furniture and other related needs. Optum
contributes to the fund as outlined by law.

Recognition
We are committed to creating a culture where positive appreciation and recognition are part of our
everyday behavior. Our global recognition program, Bravo!, enables recognition to be delivered in a
consistent, meaningful, and timely way, and be visible across the organization.

Training and Staff Development

Training (in both technical and soft skills) is offered face-to-face and via web conference. Computer-
based training is also offered to all employees through a learning management system called
LearnSource, which is found on the HRdirect web site: https://hrdirecthelpdesk.uhg.com

LearnSource offers a variety of resources to employees, including a wide range of on-line courses, the
company’s standard operating procedures and advice about how to manage a range of work situations.

Business Book Summaries

LearnSource also provides free access to summaries of many popular business books, and new titles are
added every quarter. The library includes summary reviews of more than 550 leading business books
about leadership, business strategy, customer satisfaction and personal growth. Each summary provides
a concise, chapter-by-chapter synopsis, as well as a critical evaluation of the quality and value of the
corresponding book.

Reimbursement of Professional Registration Fees

The Company, subject to the signing of a payback agreement, may reimburse a maximum of two
registration/membership fees (professional bodies to be confirmed), subject to a maximum overall cap.
This will be at the discretion of management.

Employee Referral Programme

Employees of the company are invited to refer individuals they know who may be suited for advertised
positions. In the event that a candidate referred by an employee is hired, the employee may receive a
cash bonus (depending on position and grade). The referral bonus will be paid after the new hire has
completed three month of employment since the date when he or she joined Optum.
 TERMS AND CONDITIONS OF GRANT OF SIGNING BONUS

These Agreement terms have been agreed between Optum Global Solutions (Philippines) Inc. (“Company”) and
___________ (“Employee”) on the date __________________ (“Date of Contract Signing”).

Both Company and Employee have agreed to record their understanding by way of this document and confirm the
following:

1. The Company will grant a Joining Bonus of PHP 50,000.00 which will be payable in 2 tranches the regular payroll
cycle.

a. 1st payout amounting to PHP 25,000.00 shall be given on the nearest payout after joining date.

b. 2nd payout amounting to PHP 25,000.00 shall be given after your 6th month of employment in OGS.

It is clarified here that crediting of aforesaid payments will be dependent on the payroll input calendar.
Withholding taxes as applicable are to be deducted from the amount of the Joining Bonus.

2. In consideration of the grant of the Joining Bonus, Employee agrees: (a) to remain in continuous employment with
the Company for a period of one (1) year from __August 26, 2022. ("Retention Period"); (b) to repay and return
to the Company the entire amount of the Joining Bonus received without need of demand from the Company
should his/her employment with the Company be terminated either by the Employee or by the Company for any
cause or reason (including the failure of Employee to meet the standards for regularization of employment) prior
to the expiration of the Retention Period and (c) should be in good standing by date of payout, i.e., not under notice
for NCNS/AWOL/absconding/any other active written warning as per company’s corrective action policy; should
pass quality and productivity measures set by the business.

3. Employee is authorizing the Company to deduct the amount of the Joining Bonus due to be returned to the
Company from his/her final salary and from any sum of money that may be due to the Employee. The right of the
Company to make the said deduction is without prejudice to the right of the Company to recover the Retention
Bonus through other legal means should the sum of money due to Employee be insufficient to cover the amount
of Retention Bonus due to be returned to the Company.

4. Nothing in this Agreement shall be deemed to give the Employee the right to be retained in the service of the
Company or to interfere with the right of the Company to impose any disciplinary action, including employment
termination, on Employee in accordance with law.

5. Employee has personally read this arrangement as stated aforesaid and fully understood every word of it and its
meaning and has affixed his/her signature hereunder voluntarily and freely with the full and complete knowledge
of the meaning and intent of this document and of his/her rights under existing laws and rules.

_______________________________
Rainier Y. Tan
Vice President - Human Capital Partner
On behalf of Optum Global Solutions (Philippines) Inc.