2014-318 HR - UnitedHealthCare for United HealthCare Application for Excess Loss Insurance Policy $1,625,322

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Interest will be paid at the one month London Interbank Offered Rate(LIBOR)in effect on the first business day of each applicable month. Payments to Pharmacies. In connection with prescription drug claims, there may be a timing difference between when United withdraws funds from Customer's claims account and when United issues payments to pharmacies and other payees. United may retain interest earned on these amounts during this time. Interest is expected to be paid at overnight deposit rates by United's banking institution. Customer Compliance.Customer agrees that during the term of this Agreement,neither Customer nor the Plan will negotiate or arrange or contract in any way for Rebates on or the purchase of prescription drug products from any manufacturer with respect to the pharmacy benefits. If Customer or the Plan does, United may, without limiting United's right to other remedies, immediately terminate Customer's and Plan's entitlement to Rebates (including forfeiture of any Rebates. earned but not paid) and/or terminate the pharmacy benefit services. Termination of pharmacy benefit services shall constitute a change in the Agreement as described in the Service Fees Section such that United has the right to increase the services fees for medical management services under this Agreement. In addition, Customer agrees to reasonably cooperate with United in order to obtain Rebates. Customer will encourage Customer's Participants to use a Network Pharmacy. Customer will also encourage Customer's Participants to electronically access the PDL on United's website,and encourage Participants to share the PDL with their physicians or refer their physicians to the PDL on United's website Section 5—Benefit Determinations and Appeals Section 5.1 Claim Procedures. Customer appoints United a named, fiduciary under the Plan with respect to (i) performing initial benefit determinations and payment,and(ii)performing the fair and impartial review of first level internal appeals, and (iii) performing the fair and impartial review of second level internal appeals. As such, Customer delegates to United the discretionary authority to (i) construe and interpret the terms of the Plan, (ii) to determine the validity of charges submitted to United under the Plan, and (iii) make final, binding determinations concerning the availability of Plan benefits under the Plan's internal appeal process. If it is determined that a benefit is payable,United will issue a check for, or otherwise credit the benefit payment to the appropriate payee. If United denies a Plan benefit claim, the claimant shall have the appeal rights set forth in the Summary Plan Description, and/or which are required under applicable law. If United determines that all or a part of the benefit is not payable under the Plan,United will notify the claimant of the adverse benefit determination and of the claimant's right to appeal the adverse benefit determination. This notification will be designed to comply with applicable requirements for adverse benefit determination notices. If, after the exhaustion of the two levels of internal appeal with United, United determines that the Plan benefit is still not available,United will notify the claimant that the adverse benefit determination has been upheld.This notice will be designed to comply with the applicable requirements for adverse benefit determination notices. This determination will be final and binding on the claimant,and all other interested parties,except as otherwise provided under the external review program described in Section 5.2. Appeals of Urgent Care Claims Notwithstanding the foregoing, with respect to Urgent.Care Claims, United will conduct one review of a denied Urgent Care Claim and issue a final determination as soon as possible,in accordance with applicable law. Section 5.2 External Review Program. United will notify claimants of the option to request an external review of adverse benefit determinations following the required internal appeal process. United will, in accordance with applicable law: (i)provide claimant with the necessary procedures to obtain the review(ii)coordinate submission of the claimant's case to an independent review organization, and(iii) notify the claimant of the final external review decision. A fee will apply beyond the maximum number of free reviews,as listed in Exhibit B, Service Fees. 7