May 23, 2022

Paul Giordan Villanueva Libatique

1536 F. Tubera St.
Tondo
Manila

Dear Paul Giordan,

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 May 27, 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 May 27, 2022
and ending on November 26, 2022 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 Cust Service Rep - UNET, MCK. You will initially report to the Service Acct Mgr
Sr, 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 Giancarlo Patelo by May 27,
2022. If this Contract is not signed and returned by you by May 27, 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 Paul Giordan Villanueva Libatique
Vice President - Human Capital Partner
May 23, 2022
___________________________
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 Cust Svc 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:

May 23, 2022
______________________________ _______________________________
Paul Giordan Villanueva Libatique Date

Annex "C"

Name : Paul Giordan Villanueva Libatique

Title / Status : Cust Service Rep - UNET, MCK

Place of Assignment : Manila, Philippines

Reports to : Service Acct Mgr Sr

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 us and discover the exceptional training, support and opportunities to grow that you'd expect from a Fortune 6
leader.
Primary Responsibilities
• Assist customers with payment processing, invoice explanation, payment due dates and billing questions
• Create documentation for external customers and payers in regard to premium balances as well as billing statements
• Contact customers by phone or in writing to verify data, apprise of billing issues as well as assist with resolution for
outstanding balances
• Maintain timely, accurate documentation for all appropriate transactions
• Maintain payment status and billing records through corrections and adjustments
• Consistently meet established productivity, schedule adherence, and quality standard
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. 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:

May 23, 2022
______________________________ _______________________________
Paul Giordan Villanueva Libatique Date

Annex "D"

Compensation
Monthly Basic Salary 17,500
Salary Grade 22
Allowances/Premium Payments
13 month pay
th
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
Transportation Allowance PHP 900

The transportation allowance is given by reason of your assignment to the McKinley office. It is understood that your
entitlement thereto shall cease once you are assigned in other work location.

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:

_____________________________ May 23, 2022

_______________________________
Paul Giordan Villanueva Libatique 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
May 23, 2022
____________________________________
Paul Giordan Villanueva Libatique

____________________________________
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 May 23, 2022

____________________________________
Paul Giordan Villanueva Libatique

____________________________________
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
Features of the Retireme nt Pla n
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

•
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.