Save an average of $681 annually per employee with HealthShield by SilverPoint - built on IRS Section 125. HealthShield helps employers unlock payroll tax savings and enhance employee benefits - all at zero upfront or out-of-pocket cost. 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

Save an average $681 annually per employee with HealthShield by SilverPoint - built on IRS Section 125. HealthShield helps employers unlock payroll tax savings and enhance employee benefits - all at zero upfront or out-of-pocket cost. Terms & Conditions Effective Date: January 1, 2024 These Terms and Conditions ("Terms") govern your use of our website, including the self-scheduling calendar and appointment reminders service. By using our website, you agree to be bound by these Terms and Conditions. If you do not agree with these Terms, please do not use the website. 1. Introduction Welcome to SilverPoint. Our services allow you to schedule appointments via our self-scheduling calendar and opt-in to receive SMS reminders. By using our website, you agree to comply with and be bound by these Terms and Conditions and our Privacy Policy. 2. Account Registration To use our self-scheduling calendar and SMS reminder services, you may be required to create an account or provide your phone number for SMS communications. You agree to provide accurate, current, and complete information during the registration process and to keep your account information updated. 3. Self-Scheduling Appointments Our website provides a calendar feature that allows you to schedule appointments. By selecting an available time slot and confirming your appointment, you are entering into a booking agreement with us. Once your appointment is confirmed, you will receive an appointment confirmation, and we will reserve the scheduled time for you. You are responsible for ensuring that the details of your appointment, such as date and time, are correct. If you need to make changes to your scheduled appointment, please follow the instructions on the website or contact us directly. 4. SMS Appointment Reminders By providing your phone number, you opt-in to receive SMS reminders for your upcoming appointments. The reminders will be sent to the phone number you provide. You acknowledge that you may receive automated SMS messages related to your scheduled appointments, including reminders and updates. Standard message and data rates may apply. You are responsible for any charges incurred by receiving SMS messages. You may opt-out of receiving SMS reminders by contacting us or using the opt-out instructions included in the messages. Your phone number will only be used for appointment-related communications and will not be shared with third parties without your consent, except as required by law. 5. Cancellation and Rescheduling If you need to cancel or reschedule your appointment, please do so in accordance with the instructions on the website or by contacting us directly. Please review our cancellation policy for specific details regarding refunds or any fees associated with cancellations. 6. Privacy and Data Collection We take your privacy seriously. Our use of your personal information is governed by our Privacy Policy. By using our services, you consent to the collection and use of your data as described in the Privacy Policy. 7. User Obligations By using our services, you agree to the following: You will not engage in any activity that interferes with or disrupts our website or services. You will provide accurate, current, and complete information. You will comply with all applicable laws and regulations when using our website and services. 8. Limitations of Liability To the fullest extent permitted by applicable law, SilverPointHealth.com, its affiliates, employees, or agents will not be held liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use the services provided on this website. 9. Modifications We reserve the right to modify, update, or discontinue any part of our website, including the self-scheduling and SMS reminder services, at any time. Any changes to these Terms will be posted on this page with an updated effective date. Your continued use of the website following any changes to these Terms constitutes your acceptance of those changes. 10. Governing Law These Terms and Conditions are governed by and construed in accordance with the laws of the United States of America/Nevada, without regard to its conflict of law principles. Any disputes relating to these Terms will be resolved exclusively in the courts located in Nevada. 11. Contact Us If you have any questions about these Terms and Conditions, or if you need assistance with your appointment, 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

Save an average of $681 annually per employee with HealthShield by SilverPoint - built on IRS Section 125. HealthShield helps employers unlock payroll tax savings and enhance employee benefits - all at zero upfront or out-of-pocket cost. HEALTH SHIELD + QuestSelect™ Watch the 2.5-minute explainer video below Access and print your Member ID card HERE * Your QuestSelect Member ID is the same ID# found on your Personal Health Dashboard homepage Find a Quest Diagnostics location HERE

Save an average of $681 annually per employee with HealthShield by SilverPoint - built on IRS Section 125. HealthShield helps employers unlock payroll tax savings and enhance employee benefits - all at zero upfront or out-of-pocket cost. We can’t find the page you’re looking for This page doesn’t exist. Go to Home and keep exploring. Go to Home

Save an average of $681 annually per employee with HealthShield by SilverPoint - built on IRS Section 125. HealthShield helps employers unlock payroll tax savings and enhance employee benefits - all at zero upfront or out-of-pocket cost. 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)

Save an average of $681 annually per employee with HealthShield by SilverPoint - built on IRS Section 125. HealthShield helps employers unlock payroll tax savings and enhance employee benefits - all at zero upfront or out-of-pocket cost. 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 organziations. 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. As an independent advisor, SilverPoint Strategies is your first point of contact - working solely in your best interest to align you with the most comprehensive and value-added provider. Specializing exclusively in SPC Plans, we leverage deep expertise to simplify the complexities of compliance, payroll integration, and provider selection - so you can focus on what matters most: growing your business. By continuously monitoring an ever-evolving market, SilverPoint ensures access to the latest innovations, helping your organization stay ahead of emerging trends and opportunities. This focus on adaptability allows us to consistently present clients with the most impactful solutions, tailored to their unique needs. With a commitment to white-glove service and meticulous attention to detail, SilverPoint Strategies provides seamless guidance through every step of the process, from initial consultation to implementation and beyond. We are your trusted partner for maximizing ROI, enhancing employee benefits, and fostering healthier, more engaged workplaces. 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 HealthShield@SilverPointHealth.com (747) 444-2962 1368 Paseo Verde Pkwy Ste 200 Henderson, NV 89012

Save an average of $681 annually per employee with HealthShield by SilverPoint - built on IRS Section 125. HealthShield helps employers unlock payroll tax savings and enhance employee benefits - all at zero upfront or out-of-pocket cost. Pharmacy Care Formulary View / Download .pdf