Noga Lakritz

Healthcare is your second-largest expense. Are you sure youre not overpaying? Bluespine makes sure youre not. We identify, recover, and prevent medical overbilling, delivering real savings and ERISA compliance protection without disrupting benefits or vendor relationships. *The Problem* Up to 80% of medical claims contain billing or coding errors, yet traditional payment integrity systems review less than 1%, typically just high-dollar claims. The rest are auto-paid, often without being checked against your SPDs, negotiated rates, or stop-loss contracts. The result is millions in silent financial leakage every year. Until now, most self-insured employers have had no way to verify what they’re actually paying for. *The Solution* Bluespine leverages the power of AI to help self-insured employers identify medical overbilling and gain control of their healthcare spend. Here’s how: ✅ Reviews 100% of medical and pharmacy claims, not just the highest value ones. ✅ Catches plan-specific violations with precision. Uses AI to generate rules from your SPDs, pricing agreements, and contracts, detecting overbilling errors that traditional payment integrity systems miss. ✅ Helps you demonstrate fiduciary responsibility. Supplies audit-grade, defensible documentation that supports ERISA, CAA, and DOL compliance while strengthening legal and financial oversight. ✅ Recovers overpayments with zero operational friction. Works directly with your TPA or ASO without disrupting employee benefits or adding a burden on your HR team. ✅ Prevents future loss with real-time protection. Allows you to run real-time and post-payment reviews. *The Results* Bluespine clients can save up to 10% of their total healthcare spend. (One uncovered $3.9M in overcharges (9% of total value) across 130,000 claims). Trusted by HR leaders, CFOs, consultants, and auditors alike, Bluespine proves that healthcare costs are NOT out of your control when you have the right tools!

40Seas is a digital trade financing solution built for the global supply chain. We leverage AI and data-driven technology to offer flexible B2B payment options that are disrupting legacy trade financing solutions, making it faster, cheaper, and easier for supply chain players - importers, exporters, freight forwarders and sourcing agencies - to access working capital.

Powered by AI, april offers smarter tax solutions that are built to be white labeled and embedded into existing financial apps. Customers can receive year-round tax insights and opportunities to optimize, preventing unexpected surprises and speeding up the filing process come tax season. By embedding april, our clients have seen increased product engagement, MAU, and significant deposit growth, with an average of 94.8% tax refund deposit capture.

Healthcare is your second-largest expense. Are you sure youre not overpaying? Bluespine makes sure youre not. We identify, recover, and prevent medical overbilling, delivering real savings and ERISA compliance protection without disrupting benefits or vendor relationships. *The Problem* Up to 80% of medical claims contain billing or coding errors, yet traditional payment integrity systems review less than 1%, typically just high-dollar claims. The rest are auto-paid, often without being checked against your SPDs, negotiated rates, or stop-loss contracts. The result is millions in silent financial leakage every year. Until now, most self-insured employers have had no way to verify what they’re actually paying for. *The Solution* Bluespine leverages the power of AI to help self-insured employers identify medical overbilling and gain control of their healthcare spend. Here’s how: ✅ Reviews 100% of medical and pharmacy claims, not just the highest value ones. ✅ Catches plan-specific violations with precision. Uses AI to generate rules from your SPDs, pricing agreements, and contracts, detecting overbilling errors that traditional payment integrity systems miss. ✅ Helps you demonstrate fiduciary responsibility. Supplies audit-grade, defensible documentation that supports ERISA, CAA, and DOL compliance while strengthening legal and financial oversight. ✅ Recovers overpayments with zero operational friction. Works directly with your TPA or ASO without disrupting employee benefits or adding a burden on your HR team. ✅ Prevents future loss with real-time protection. Allows you to run real-time and post-payment reviews. *The Results* Bluespine clients can save up to 10% of their total healthcare spend. (One uncovered $3.9M in overcharges (9% of total value) across 130,000 claims). Trusted by HR leaders, CFOs, consultants, and auditors alike, Bluespine proves that healthcare costs are NOT out of your control when you have the right tools!

40Seas is a digital trade financing solution built for the global supply chain. We leverage AI and data-driven technology to offer flexible B2B payment options that are disrupting legacy trade financing solutions, making it faster, cheaper, and easier for supply chain players - importers, exporters, freight forwarders and sourcing agencies - to access working capital.

Powered by AI, april offers smarter tax solutions that are built to be white labeled and embedded into existing financial apps. Customers can receive year-round tax insights and opportunities to optimize, preventing unexpected surprises and speeding up the filing process come tax season. By embedding april, our clients have seen increased product engagement, MAU, and significant deposit growth, with an average of 94.8% tax refund deposit capture.

EY is building a better working world by creating new value for clients, people, society, the planet, while building trust in the capital markets. Enabled by data, AI and advanced technology, EY teams help clients shape the future with confidence and develop answers for the most pressing issues of today and tomorrow. EY teams in more than 150 countries work across a full spectrum of services in assurance, consulting, tax, strategy and transactions, strengthened by sector experience and diverse ecosystem partners. Find out more about the EY global network: http://ey.com/en_gl/legal-statement

Agmon with Tulchinsky is a law firm staffed with recognized thinkers, strategists and problem-solvers with an in-depth understanding of different areas of the law and vast experience implementing it. As the merger of two of Israel’s most respected law firms in 2012– Agmon & Co and Rosenberg Hacohen & Co - Agmon is today one of the country’s larger law firms, and is ranked among Israel’s top law firms by both international guides Chambers and Partners and Legal 500, as well as domestic legal guides D&B and BDI. Co-founded in 1992 by Zvi Agmon and Dr. Mishael Cheshin, Deputy President of the Supreme Court (Ret.), Agmon & Co. gained a formidable reputation in antitrust law, class actions, administrative law, construction and development, banking and finance, and civil-commercial litigation, and was ranked among Israels leading law firms in these fields.