Review how SilverPoint collects, uses, and protects information submitted through the website and related HealthShield inquiries. Privacy Policy Effective Date: January 1, 2024 SilverPoint values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, and disclose your information and your rights under the California Consumer Privacy Act (CCPA). 1. Information We Collect We may collect the following types of personal information: Identifiers: Name, email address, phone number, mailing address. Employment Information: Job title, company name. Other Information: Any information you provide through forms, surveys, or correspondence. We collect this information directly from you, or automatically through website interactions. 2. How We Use Your Information We use your information for the following purposes: To provide our services and respond to your inquiries. To improve our website, products, and services. To comply with legal obligations. To send marketing communications (with your consent, where required). To protect against fraud, unauthorized transactions, and other illegal activities. 3. Sharing Your Information We may share your information with: Legal Authorities: When required by law or to protect our rights. Business Transfers: In connection with a merger, sale, or transfer of assets. We do not sell your personal information. 4. Your Rights Under CCPA As a California resident, you have the following rights: Right to Know: Request details about the personal information we collect, use, and disclose. Right to Delete: Request deletion of your personal information, subject to certain exceptions. Right to Opt-Out of Sale: We do not sell personal information, but you have the right to opt out if this changes. Right to Non-Discrimination: You will not be penalized for exercising your privacy rights. To exercise your rights, contact us at Privacy@SilverPointHealth.com 5. Security Measures We implement appropriate technical, organizational, and administrative measures to protect your information against unauthorized access, loss, or misuse. However, no system is completely secure, and we cannot guarantee absolute security. 6. Changes to This Privacy Policy We may update this Privacy Policy from time to time. When we make changes, we will revise the "Effective Date" at the top of this page. We encourage you to review this policy periodically. 7. Contact Us If you have any questions or concerns about this Privacy Policy, please contact us at: Email: support@SilverPointHealth.com Or send mail to: SilverPoint c/o Compliance Officer 1368 Paseo Verde Pkwy Ste 200 Henderson, NV 89012

Access SilverPoint reference links for HealthShield, IRS Section 125, Preventive Healthcare Plans, compliance context, and supporting resources. Reference Links PLEASE NOTE: The links provided here offer extensive information on IRS Section 125 Cafeteria Plans, which have existed since 1978. While comprehensive, these resources may include exhaustive details beyond what is practical for most employers. At SilverPoint Strategies, we offer fully administered, turnkey solutions to minimize administrative burdens for your HR team. Our expert guidance ensures seamless implementation, allowing you to achieve maximum savings and employee benefits with minimal effort. Investopedia.com About the Section 125 (or Cafeteria) Plan Business.com What Are the Benefits of a Section 125 Plan? Workforce.com Understanding Section 125 Plans (Cafeteria Plans): Overview, Usage, and Establishment IRS.gov Tax Treatment of Employer-Funded, Insured, Fixed-Indemnity Wellness Policy Section 125 – Cafeteria Plans -- Modification of Application of Rule Prohibiting Deferred Compensation Under a Cafeteria Plan Section 105. - Amounts Received Under Accident and Health Plans (Also Section 213. - Medical, Dental, etc., Expenses) Publication 502, Medical and Dental Expenses [Detailed Section 213, Including 213(d)] Section 106. -- Contributions by Employer to Accident and Health Plans Frequently asked questions about medical expenses related to nutrition, wellness and general health More Info (Blog)

HealthShield by SilverPoint is an IRS Section 125-based Preventive Healthcare Plan that helps employers enhance benefits and save $681 per qualified employee annually. HealthShield is a Preventive Healthcare Plan that unlocks employer savings and enhances employee benefits with zero upfront or out-of-pocket costs. IRS-Compliant Strategies: HealthShield utilizes IRS Section 125* to provide employees with preventive healthcare benefits on a pre-tax basis, lowering taxable wages and increasing take-home pay. This then lowers the amount of taxable wages and reduces payroll tax due for employers, at an average annual savings of $681 per employee - returning significant profit back to their organizations. Seamless Integration: HealthShield complements your existing primary medical insurance, seamlessly adding value without altering or replacing your current coverage. Payroll Cycle Alignment: HealthShield operates seamlessly within the employer’s established payroll cycle - whether weekly, bi-weekly, or otherwise - eliminating the need for special accommodations. Comprehensive Compliance: Fully compliant with IRS, ACA, and HIPAA, regulations across all 50 states, ensuring peace of mind for employers and employees alike. * Visit our Reference Links page for more background on IRS Section 125 "Cafeteria" Plans and related general information. Save Big: Save an average of $681 annually per qualified employee on payroll taxes, with savings reflected as early as your next payroll cycle. Boost Productivity: Healthier employees mean fewer absences, improved morale, and better retention. Seamless Integration: No disruption to existing processes, with automated compliance and reporting tools for stress-free administration. Stronger Engagement and Retention: Empower your workforce with benefits that promote healthier lifestyles, improve morale, and enhance long-term loyalty while attracting and retaining top talent. Primary Medical Cost Reduction: Using HealthShield reduces claims on your primary medical plan, which can significantly lower those renewal costs - delivering even greater long-term savings. Immediate Financial Benefits: Employers realize savings with no added expenses or out-of-pocket costs - with continuous net-positivity. Immediate Savings: Every payroll cycle without HealthShield is money left on the table. Save an average of $681 annually per qualified employee on payroll taxes, or $26.19 per payroll cycle - based on a bi-weekly payroll cycle. The Cost of Waiting: Each payroll cycle without HealthShield means missing out on tens or even hundreds of thousands in savings annually - act now to reclaim your profits. Savings Calculator (Enter custom # of Employees and Payroll Cycle) Sample Savings Fixed Pre-Tax Deduction and Reward: Each participating employee’s paycheck includes a fixed pre-tax deduction and reward, lowering taxable income while increasing take-home pay. Employer Payroll Tax Savings: Employers immediately save on payroll taxes for each qualified employee, with the reduced taxable payroll - easily tracked every payroll cycle. No Out-of-Pocket Costs: The fixed $35 service fee per employee - only paid once savings are realized and confirmed - will always be less than the employer’s payroll tax savings, ensuring financial benefits from day one. Transparency at a Glance: Both the deduction and reimbursement are displayed on employee paystubs, while employers track reduced payroll tax liabilities in real-time. Guaranteed Outcomes: HealthShield ensures 100% guaranteed net-positive outcomes for both employers and employees. Comprehensive Wellness: 24/7 access to Telehealth services, mental health resources, addiction support, and personalized health coaching, all with no co-pays. Increased Take-Home Pay: Employees see more money in their pocket each and every payroll cycle. Automated Checks: Automated eligibility checks with every payroll cycle ensure ongoing compliance without additional HR effort. Guaranteed Continuity: Benefits extend for six weeks at no cost if an employee's income or tax structure temporarily changes. Seamless Requalification: Employees are automatically reassessed each payroll cycle to ensure continued eligibility without administrative hassle. Proven ROI: Employers save an average of $681 annually per qualified employee, with payroll tax savings realized as early as the next payroll cycle. Tailored Advocacy: Specializing exclusively in Preventive Healthcare Plans, we leverage our deep industry expertise to align employers with the best-fit solution, ensuring optimal benefits and ROI. White-Glove Service: From consultation and implementation to ongoing participation, we handle every detail with precision, creating a seamless experience for employers and employees alike. Only Top-Tier Providers: All partners are rigorously vetted, HIPAA compliant, fully funded, insured, and approved by the Department of Insurance in all 50 states - guaranteeing reliability and compliance. Guaranteed Compliance: Our dynamic processes adapt to ensure employees remain net-positive with uninterrupted coverage. Seamless Integration: By bolting onto your existing primary medical plan, HealthShield enhances benefits without disrupting your current offerings. Additionally, by reducing claims on your primary medical plan, HealthShield helps lower primary medical plan renewal costs over time - providing even greater long-term savings. SilverPoint is the strategic team behind HealthShield by SilverPoint, helping employers evaluate, implement, and optimize an IRS Section 125-based Preventive Healthcare Plan that strengthens benefits while creating measurable payroll tax savings. Our role is to simplify the moving parts that matter most: provider alignment, compliance coordination, payroll integration, employee eligibility, implementation, and ongoing support. HealthShield is designed to complement existing primary medical coverage, not replace it, while helping employers reduce cost pressure and support healthier, more engaged teams. With a white-glove approach and a focus on measurable ROI, SilverPoint guides employers from first conversation through rollout and beyond. We help organizations unlock the value of HealthShield with clarity, precision, and a team-first process built around long-term results. Aaron Galuppo Co-Founder & CEO Gavin Walker Chief Financial Officer Javier Alvarez Co-Founder & Chief Marketing Officer New posts on the first Wednesday of every month. 1 2 3 4 Contact Us Today for a Free No-Obligation Consultation First Name* Last Name* Email* Phone* Company Name* Company Website URL* Let's Get Started JAVIER ALVAREZ Corporate Benefits Advisor Javier@SilverPointStrategies.com (747) 444-2962 Need Help with Your Benefits? Plan Members can reach a Benefits Specialist at (800) 306-3112 Monday through Friday, 8 AM to 5 PM CST. For HealthShield or SilverPoint Business Inquiries, Please Use the Contact Details Below HealthShield@SilverPointHealth.com (747) 444-2962 1368 Paseo Verde Pkwy Ste 200 Henderson, NV 89012

Healthcare is evolving faster than ever, and 2024 has proven to be a pivotal year for change. From cutting-edge technology to new approaches in patient care, the trends shaping the industry today will have lasting impacts on how healthcare is delivered and experienced. Employers, providers, and employees alike need to stay ahead of the curve to navigate this dynamic landscape successfully. Let’s dive into the four biggest shifts reshaping the healthcare industry this year. 1. AI-Powered Diagnostics Are Raising the Bar Artificial intelligence (AI) is no longer a futuristic concept - it’s revolutionizing healthcare diagnostics. From analyzing radiology images with near-perfect accuracy to predicting disease risks based on patient data, AI tools are improving early detection and outcomes. For employers, this means healthier teams with fewer costly medical emergencies. For employees, access to AI-driven diagnostics fosters a sense of empowerment and trust in their healthcare journey. 2. Telehealth Expands Beyond Primary Care Telehealth isn’t just for routine doctor visits anymore. In 2024, we’re seeing its reach extend into specialized fields like mental health therapy, physical rehabilitation, and chronic disease management. Virtual platforms now offer integrated care solutions, helping employees manage their health from the comfort of their homes. Employers investing in telehealth solutions benefit from reduced absenteeism and lower overall claims on primary medical plans. It’s a win-win for both workforce well-being and the bottom line. 3. The Rise of Proactive Preventive Care Preventive care has always been a priority, but 2024 is witnessing a shift toward truly proactive approaches. Biometric screenings, DNA-based health risk assessments, and wearable tech are providing individuals with actionable insights long before a health issue becomes critical. For organizations, promoting proactive care means fewer costly claims and healthier, more engaged employees. These trends highlight the importance of fostering a culture where prevention is celebrated and supported. 4. Mental Health Is Taking Center Stage The stigma around mental health is breaking down, and the healthcare industry is responding with robust offerings for therapy, mindfulness training, and workplace stress management. Employers who embrace this trend are creating more resilient, productive teams. In fact, companies providing mental health resources often see measurable improvements in retention and engagement. Prioritizing mental health isn’t just the right thing to do - it’s smart business. 2024 is a transformative year for healthcare, and the organizations that embrace these trends will be better positioned for long-term success. From AI-driven breakthroughs to a renewed focus on mental and preventive health, the opportunities to innovate are endless. Staying ahead of these trends isn’t just about keeping up - it’s about leading the charge toward a healthier, more sustainable future for everyone involved. About HealthShield by SilverPoint HealthShield by SilverPoint is a best-in-class Preventive Healthcare Plan (PHP) built on IRS Section 125 to help employers unlock meaningful payroll tax savings while enhancing employee benefits. Employers save an average of $681 per qualified employee annually, with savings realized as early as the next payroll cycle. Designed to integrate with existing primary medical coverage, HealthShield complements current benefits rather than replacing them. The program adds preventive care value without disruption or out-of-pocket cost, while also helping reduce claims pressure on primary medical plans and supporting long-term renewal-cost control. From consultation and implementation to ongoing support, the SilverPoint team provides white-glove guidance at every stage. With a focus on compliance, provider alignment, measurable ROI, and a guaranteed net-positive structure, HealthShield helps employers reduce costs, strengthen benefits, and support healthier, more engaged workplaces. Contact us today for a free, no-obligation consultation.

The workplace isn’t what it used to be. A seismic shift in employee expectations has created a new reality: businesses must rethink how they attract, retain, and engage top talent. One solution stands out: Preventive Healthcare Plans (PHP). Designed to meet the evolving demands of today’s workforce, these plans combine practical savings for employers with tangible benefits for employees. Let’s dive into why PHPs have become a game-changer in employee engagement and retention. Why Benefits Matter More Than Ever Employees today aren’t just looking for a paycheck. They’re prioritizing workplaces that support their overall well-being, and benefits packages are a significant part of that equation. While traditional health insurance might cover the basics, it’s no longer enough to set a company apart. Employees crave flexibility, preventive care, and mental health support - all areas where PHPs excel. Consider this: In 2024, over a third of employees reported being actively on the lookout for new opportunities. That means businesses failing to offer competitive benefits risk losing top talent to organizations with more progressive offerings. How PHPs Revolutionize Employee Engagement PHPs take engagement to the next level with features that resonate with today’s workforce: Comprehensive Wellness: From telehealth consultations to free DNA and biometric screenings, these plans empower employees to take control of their health proactively. Mental Health Focus: Resilience-building programs, virtual therapy, and stress management tools help create a supportive environment where employees thrive. Financial Security: With pre-tax savings and limited out-of-pocket healthcare costs, employees enjoy an immediate boost to their take-home pay. Employees who feel valued are more productive, less likely to call out sick, and far more likely to stick around - it’s that simple. Retention: The Hidden ROI of PHPs Retention isn’t just about keeping seats filled; it’s about cultivating a workforce that’s motivated and aligned with your company’s mission. Here’s how PHPs help: Lower Turnover: By addressing physical, mental, and financial wellness, these plans remove some of the most common stressors that lead to job dissatisfaction. Boosted Loyalty: Employees who see their employer investing in their well-being are far less likely to look elsewhere for work. Sustainable Productivity: A healthier workforce means fewer sick days and greater output - all while creating a culture of care. The Bigger Picture Workplace stress and burnout have been on the rise, with studies showing that a staggering 77% of employees experienced burnout at some point last year. Organizations that prioritize preventive care and wellness send a clear message: “We care about more than just the bottom line - we care about you.” PHPs deliver measurable results. Companies experience lower payroll taxes, reduced medical claims, and higher employee satisfaction, creating a ripple effect of positive outcomes. Ready to Transform Your Workforce? Investing in PHPs isn’t just smart business - it’s a strategic advantage. By addressing the holistic needs of your employees, you’re not only improving their lives but also strengthening the foundation of your organization. That’s what we call a win-win. Explore the potential of PHPs today. Your employees - and your bottom line - will thank you. About HealthShield by SilverPoint HealthShield by SilverPoint is a best-in-class Preventive Healthcare Plan (PHP) built on IRS Section 125 to help employers unlock meaningful payroll tax savings while enhancing employee benefits. Employers save an average of $681 per qualified employee annually, with savings realized as early as the next payroll cycle. Designed to integrate with existing primary medical coverage, HealthShield complements current benefits rather than replacing them. The program adds preventive care value without disruption or out-of-pocket cost, while also helping reduce claims pressure on primary medical plans and supporting long-term renewal-cost control. From consultation and implementation to ongoing support, the SilverPoint team provides white-glove guidance at every stage. With a focus on compliance, provider alignment, measurable ROI, and a guaranteed net-positive structure, HealthShield helps employers reduce costs, strengthen benefits, and support healthier, more engaged workplaces. Contact us today for a free, no-obligation consultation.

Healthcare is at a tipping point. With rising costs and shifting employee expectations, the old playbook - reacting to problems as they arise - is no longer cutting it. The future of employee wellness is proactive, data-driven, and deeply personalized. As we explore this transformation, one thing becomes clear: companies that lead this change will not only reduce costs but also create workplaces where employees thrive. The Cost of Staying Reactive For decades, the healthcare model has been reactive - addressing problems after they’ve already impacted employee health and productivity. This approach has led to skyrocketing costs, disengaged workforces, and unsustainable outcomes for employers and employees alike. The good news? A better way is emerging. Proactive healthcare models focus on prevention and early intervention, helping employees stay healthy and employers save money. The Rise of Preventive Care Preventive care is no longer just an option; it’s a necessity. Advances in technology and data analytics are empowering employees to take charge of their health like never before: Wearable Technology: Devices like smartwatches and fitness trackers provide real-time insights into health metrics, from heart rate to sleep patterns. DNA-Based Screenings: Personalized health insights allow employees to understand genetic predispositions and make informed lifestyle choices. Telehealth Evolution: Virtual care has expanded beyond consultations to include physical therapy, chronic condition management, and mental health support. By addressing potential health issues before they escalate, companies can reduce absenteeism, lower insurance claims, and create a healthier, more engaged workforce. A Win-Win for Employers and Employees Proactive wellness isn’t just good for employees - it’s a game-changer for businesses. Companies investing in these programs are seeing measurable results: Cost Savings: Reduced claims and lower renewal premiums. Higher Retention: Employees who feel supported are less likely to leave. Increased Productivity: Healthier employees are more engaged and effective. Why 2024 Is the Year to Act The shift to proactive care is no longer a matter of “if” but “when.” Employers who delay risk falling behind in a competitive job market, where benefits can make or break recruitment and retention efforts. Innovative programs like Preventive Healthcare Plans (PHPs) are leading the charge, offering employers a seamless way to integrate proactive care into their benefits strategy. By combining tax savings with cutting-edge wellness resources, PHPs deliver immediate value and long-term impact. The move from reactive to proactive healthcare is reshaping the future of employee wellness. Companies that embrace this shift will not only control costs but also build stronger, healthier, and more resilient teams. As we navigate 2024, the question isn’t whether to invest in proactive care - it’s how quickly you can get started. The time to lead this transformation is now. About HealthShield by SilverPoint HealthShield by SilverPoint is a best-in-class Preventive Healthcare Plan (PHP) built on IRS Section 125 to help employers unlock meaningful payroll tax savings while enhancing employee benefits. Employers save an average of $681 per qualified employee annually, with savings realized as early as the next payroll cycle. Designed to integrate with existing primary medical coverage, HealthShield complements current benefits rather than replacing them. The program adds preventive care value without disruption or out-of-pocket cost, while also helping reduce claims pressure on primary medical plans and supporting long-term renewal-cost control. From consultation and implementation to ongoing support, the SilverPoint team provides white-glove guidance at every stage. With a focus on compliance, provider alignment, measurable ROI, and a guaranteed net-positive structure, HealthShield helps employers reduce costs, strengthen benefits, and support healthier, more engaged workplaces. Contact us today for a free, no-obligation consultation.