Introduction 50 2021 Sustainability Report A Modern, High-Performing Health System Our People and Culture Environmental Health Responsible Business Practices Performance Data Optum Pay impact on providers 83% reported improved cash flow. 79% reported improved administrative and office efficiencies. For UnitedHealthcare members, the newly released UCard combines the health plan ID, over-the-counter benefits, healthy food benefits and rewards into an all-in- one member card that can be used to check into the doctor, shop for healthy food and spend reward dollars. More than 6 million Medicare Advantage members are expected to have the UCard by 2023. The same bias for simplicity extends to providers. We believe integrating the end-to- end health banking and payments experience will help providers be paid accurately more often, faster and with less administrative burden, making payments simpler, more convenient and more affordable for consumers. Optum Financial is building a frictionless health payment system to give providers more time and resources to care for their patients. Optum Pay accelerates claims payments, improves accuracy and reduces administrative work.