In partnership with employers, providers, or payors - Paytient provides an interest-free, pay over time financial technology for members' out-of-pocket healthcare expenses (e.g. deductibles, copays). Given increased financial stress from COVID-19, we think payors and providers who are able to help employers manage premiums while also addressing affordability of out-of-pocket costs will emerge as leaders. We partner with health plans or providers to give each member a co-branded credit card with a pre-set credit limit (e.g., $5,000) that can only be used for out-of-pocket healthcare expenses. When a