<SEC-DOCUMENT>0001214659-24-010000.txt : 20240528
<SEC-HEADER>0001214659-24-010000.hdr.sgml : 20240528
<ACCEPTANCE-DATETIME>20240528113518
ACCESSION NUMBER:		0001214659-24-010000
CONFORMED SUBMISSION TYPE:	PX14A6G
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20240528
DATE AS OF CHANGE:		20240528
EFFECTIVENESS DATE:		20240528

SUBJECT COMPANY:	

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			UNITEDHEALTH GROUP INC
		CENTRAL INDEX KEY:			0000731766
		STANDARD INDUSTRIAL CLASSIFICATION:	HOSPITAL & MEDICAL SERVICE PLANS [6324]
		ORGANIZATION NAME:           	02 Finance
		IRS NUMBER:				411321939
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		PX14A6G
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-10864
		FILM NUMBER:		24988194

	BUSINESS ADDRESS:	
		STREET 1:		UNITEDHEALTH GROUP CENTER
		STREET 2:		9900 BREN ROAD EAST
		CITY:			MINNEAPOLIS
		STATE:			MN
		ZIP:			55343
		BUSINESS PHONE:		9529361300

	MAIL ADDRESS:	
		STREET 1:		9900 BREN ROAD EAST
		CITY:			MINNETONKA
		STATE:			MN
		ZIP:			55343

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED HEALTHCARE CORP/
		DATE OF NAME CHANGE:	20000309

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNITED HEALTHCARE CORP
		DATE OF NAME CHANGE:	19920703

FILED BY:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Educational Foundation of America
		CENTRAL INDEX KEY:			0001928322
		ORGANIZATION NAME:           	
		IRS NUMBER:				133424750
		STATE OF INCORPORATION:			NY
		FISCAL YEAR END:			1222

	FILING VALUES:
		FORM TYPE:		PX14A6G

	BUSINESS ADDRESS:	
		STREET 1:		4801 HAMPDEN LANE
		STREET 2:		SUITE 106
		CITY:			BETHESDA
		STATE:			MD
		ZIP:			20814
		BUSINESS PHONE:		646-640-6032

	MAIL ADDRESS:	
		STREET 1:		4801 HAMPDEN LANE
		STREET 2:		SUITE 106
		CITY:			BETHESDA
		STATE:			MD
		ZIP:			20814
</SEC-HEADER>
<DOCUMENT>
<TYPE>PX14A6G
<SEQUENCE>1
<FILENAME>j524247px14a6g.htm
<TEXT>
<HTML>
<HEAD>
     <TITLE></TITLE>
</HEAD>
<BODY STYLE="font: 10pt Times New Roman, Times, Serif">

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">United States Securities and Exchange Commission<BR>
Washington, D.C. 20549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">NOTICE OF EXEMPT SOLICITATION<BR>
Pursuant to Rule 14a-103</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name of the Registrant: UnitedHealth Group, Inc.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Name of persons relying on exemption: The Educational Foundation of
America and Planned Parenthood Federation of America</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Address of persons relying on exemption: 4801 Hampden Lane, Suite 106,
Bethesda MD 20814</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Written materials are submitted pursuant to Rule 14a-6(g) (1) promulgated
under the Securities Exchange Act of 1934. Submission is not required of this filer under the terms of the Rule but is made voluntarily
in the interest of public disclosure and consideration of these important issues.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="font-size: 1pt; border-top: Black 1pt solid">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 40%; font-size: 10pt; text-align: left">&nbsp;<IMG SRC="efa_smlogo.jpg" ALT=""></TD>
    <TD STYLE="width: 60%; font-size: 10pt; text-align: left"><IMG SRC="planparent_logo.jpg" ALT=""></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PROXY MEMORANDUM</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%; border-collapse: collapse">
  <TR STYLE="vertical-align: top">
    <TD STYLE="width: 10%"><FONT STYLE="font-family: Times New Roman, Times, Serif">TO:</FONT></TD>
    <TD STYLE="width: 90%"><FONT STYLE="font-family: Times New Roman, Times, Serif">Shareholders of UnitedHealth Group, Inc.</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">RE:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Item No. 4 (&ldquo;Shareholder Proposal Requiring a Political Contributions Congruency Report&rdquo;)</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">DATE:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">May 28, 2024</FONT></TD></TR>
  <TR STYLE="vertical-align: top">
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">CONTACT:</FONT></TD>
    <TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Shelley Alpern, Rhia Ventures at Corporate.Engagement&lt;at&gt;rhiaventures.org</FONT></TD></TR>
  </TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="border-top: Black 1pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>This is not a solicitation of authority to vote your proxy. Please
DO NOT send us your proxy card; the co-filers are not able to vote your proxies, nor does this communication contemplate such an event.
The co-filers urge shareholders to vote for Item No. 4 following the instructions provided on management's proxy mailing. </I></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Educational Foundation of America and Planned Parenthood Federation
of America urge shareholders to <B>vote YES</B> on Item No. 4 on the 2024 proxy ballot of UnitedHealth Group, Inc. (&ldquo;UHG&rdquo;
or the &ldquo;Company&rdquo;). The Resolved clause states:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">Shareholders request the Board annually publish a report,
at reasonable expense, analyzing the congruence of UnitedHealth&rsquo;s political and electioneering expenditures during the preceding
year against its publicly stated company values and policies. The report should state whether UnitedHealth has made, or plans to make,
changes in contributions or communications as a result of identified incongruencies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 1 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The full text of the proposal is appended at the end of this document.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>About the Co-Filers</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Educational Foundation of America (&ldquo;EFA&rdquo;) and Planned
Parenthood Federation of America (&ldquo;PPFA&rdquo;) are long-term shareholders in Alphabet and the proponents of this proposal. EFA
is a private family foundation supporting creative initiatives working toward sustainability, justice, and equity through grant making
and impact investing. EFA supports nonprofit organizations working in the arts, the environment, democracy, and reproductive health and
justice.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">PPFA works to protect and expand access to sexual and reproductive
health care and education, as well as provide support to its member affiliates, which are separately incorporated public charities that
collectively operate nearly 600 Planned Parenthood health centers across the U.S. Through its support of affiliate health centers - which
serve all patients with care and compassion, with respect, and without judgment - as well as its education and advocacy work, PPFA strives
to ensure equitable access to health care, and to maintain its status as a trusted source of reliable education and information that allows
people to make informed health decisions.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Summary</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">We urge you to cast a YES vote in support of this proposal. We support
this proposal because UHG political spending practices are contradicting its efforts and high aspirations in corporate responsibility,
ultimately jeopardizing its business interests. The proposed report aims to formalize increased transparency and accountability in the
Company's political spending procedures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Our proposal discusses several important areas where UHG has been supporting
politicians and political organizations whose priorities conflict with UHG&rsquo;s organizational objectives. The examples chosen are
not exhaustive. Investors would be well served by a greater accounting of why the Company chooses to donate money to candidates and organizations
advocating for policies that harm its operational and sustainability objectives and jeopardize UHG&rsquo;s reputation and brand in addition
its organizational goals.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Supreme Court has interpreted the constitution as permitting political
spending by corporations, but it has also emphasized the rights of investors to use shareholder democracy to ensure accountability for
this spending. In our deeply divided and highly volatile political environment, shareholders must insist upon a more responsible and coherent
political spending strategy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In the pages below, we will argue the following points in favor of
the proposal.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">1.</TD><TD>UHG&rsquo;s political contributions appear to be incongruent with its stated values and business interests.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">2.</TD><TD>Reporting on corporate political spending and values congruency is becoming a best practice across industries.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">3.</TD><TD>Current disclosures do not address the concerns raised in the shareholder proposal.</TD></TR></TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<P STYLE="margin-top: 0; margin-bottom: 0"></P>

<!-- Field: Page; Sequence: 2 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">4.</TD><TD>Satisfying the proposal would increase transparency without compromising Home Depot&rsquo;s commitment to bipartisan participation
in the political process.</TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in">5.</TD><TD>UHG has failed to address reputational risks associated with misaligned political spending.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investors should be aware UHG&rsquo;s opposition statement contains
an accurate but misleading statistic that exaggerates the level of decline in shareholder for this proposal from 2022 to 2023. While the
absolute number of votes cast did indeed drop by 25%, the overall percent of votes cast in favor of the proposal declined by a difference
of 10% year over year, roughly the same level of decline for ESG proposals across the board in that timeframe.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1pt">&nbsp;</P>

<!-- Field: Rule-Page --><DIV STYLE="margin-top: 3pt; margin-bottom: 3pt; width: 100%"><DIV STYLE="border-top: Black 1pt solid; font-size: 1pt">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt">1.</TD><TD>UHG&rsquo;s political contributions appear to be incongruent with its stated values and business interests</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Health Care Policy</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In its opposition statement to this proposal, UHG states that it grounds
its political contributions in three core public policy priorities: achieving universal coverage, improving health care and actionable
policy solutions. The Company&rsquo;s document &ldquo;A Path Forward&rdquo; also lists as priorities improving health care affordability,
enhancing the health care experience, and driving better outcomes.<SUP>1</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yet, between 2017 and 2023, UHG contributed nearly $320,000 to the
organization leading efforts to strike down the Affordable Care Act (ACA), the Republican Attorney Generals Association.<SUP>2</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In its first ten years, the ACA expanded health care coverage to 20
million Americans,<SUP>3</SUP> growing UHG&rsquo;s business.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">UHG has also been supporting politicians working to undermine access
to reproductive health care. Most UHG plans offer group clients to insure abortion where it is legal to do so. But based on publicly available
records, we estimate that in the 2020 and 2022 two election cycles, the company and its employee PAC donated at least $5.3 million to
politicians and political organizations working to weaken abortion access.<SUP>4</SUP> For example, this sum includes:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">Approximately $125,000 to legislators who voted for Texas SB 8<SUP>5</SUP>,
which made it <B>illegal to insure</B> in-state abortions beyond 6 weeks of pregnancy, in the 2020 and 2022 election cycles, and through
2023.</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">A $1,000 contribution to a state lawmaker who recently co-sponsored a bill
to punish abortion with the death penalty.<SUP>6</SUP></FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>1</SUP> https://www.unitedhealthgroup.com/newsroom/research-reports/the-path-forward.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>2</SUP> https://www.unitedhealthgroup.com/people-and-businesses/standards.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>3</SUP> https://www.americanprogress.org/article/10-ways-aca-improved-health-care-past-decade/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>4</SUP> Data analysis was prepared for the proponent by Sustainable
Investments Institute.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>5</SUP> Id., and research conducted by Rhia Ventures.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>6</SUP> https://www.unitedhealthgroup.com/people-and-businesses/standards.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 3 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">At least 80% ($1.2 million) of UHG&rsquo;s contributions in the South
went to anti-abortion politicians in the 2020-22 election cycles.<SUP>7</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 1pt">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Democratic Values</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Following the January 6, 2021 attack on the Capitol, UHG said it would
pause political donations to federal candidates &ldquo;to ensure they continue to align with our company&rsquo;s values.&rdquo;<SUP>8</SUP>
The pause didn&rsquo;t last, despite the fact that none of these politicians have renounced their actions on that day. According to our
research, <B>UHG has contributed at least $250,000 to members of the House who denied election certification on January 6</B>.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Environmental Sustainability and Climate Change</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">UnitedHealth has stated:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 23pt">A healthy planet is the foundation for a healthy society,
down to the water we drink and the air we breathe. We have the opportunity to contribute to a stable climate and improve planetary health
while building a better health care system for future generations. Recognizing the risks climate change poses to human health, we are
committed to setting net-zero science-based emission reduction targets through the Science Based Targets initiative (SBTi) to ensure our
actions are based on current climate science.<SUP>9</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Still, the Company is a member of the U.S. Chamber of Commerce, a powerful
opponent of climate regulations that promotes regulatory frameworks that would slow the transition towards a lower-carbon economy.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As reported by the Change the Chamber Coalition, the Chamber of Commerce
has been actively working to support fossil fuel companies and undermine efforts to shift to a less carbon intensive economy. Actions
in 2021 included: issuing statements and amicus briefs in support of fossil fuel infrastructure developments, co-hosting press calls with
the American Petroleum Institute to call for drilling on federal lands and seeking to delay action from the Securities and Exchange Commission
in its intention to develop reporting requirements related to climate change.<SUP>10</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>7</SUP> https://siinstitute.org/reports.html (the data covers
the 2020 to 2022 election cycle as of mid-2022)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>8</SUP> https://bit.ly/3MCpGQI</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>9</SUP> https://sustainability.uhg.com/environmental-health/net-zero-operations.html</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>10</SUP> https://bit.ly/3FsKCWa</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 4 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In 2022, the Chamber continued to undermine climate change advocacy
efforts. InfluenceMap, a think tank that monitors corporate climate lobbying, found that in 2022, 25 out of 39 policy positions the Chamber
took on climate policy last year were negative.<SUP>11 </SUP>The Chamber has continued to oppose legislative and regulatory attempts at
climate regulation, including the Inflation Reduction Act. InfluenceMap explained that &ldquo;there has been no material improvement in
the US Chamber&rsquo;s climate change lobbying over the past 5 years, despite an evolution in the group&rsquo;s high-level PR messaging
around climate.&rdquo;<SUP>12</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Other companies have taken action to address incongruences between
the Chamber&rsquo;s views and their own. For example, after the Chamber filed a lawsuit against the Environmental Protection Agency (EPA)
for its ruling on regulating greenhouse gas emissions, Nike Inc. stepped away from its membership, stating that it &ldquo;fundamentally
disagrees with the U.S. Chamber of Commerce on the issue of climate change and their recent action challenging the Environmental Protection
Agency is inconsistent with our view that climate change is an issue in need of urgent action.&rdquo;<SUP>13</SUP> Over 100 companies
have quit the Chamber of Commerce as a result of its climate change position.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Further, a Bloomberg analysis found that between 2018 and 2020, for
every dollar UHG contributed to climate-friendly members of Congress, it donated $1.67 to members characterized as &ldquo;ardent obstructionists&rdquo;
of proactive climate policy.<SUP>14</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>Anti-LGBTQ Policy</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">UHG boasts a perfect score on the Corporate Equality Index, which rates
companies on LGBTQ workplace policies. The 2021 Sustainability Report lists examples of &ldquo;partnering with organizations that support
LGBTQ+ equality&rdquo; among the Company&rsquo;s diversity, equity and inclusion initiatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Yet the Company has been a top supporter of attorney generals seeking
to revoke LGBTQ civil rights. For example, UHG was a top donor to former Arizona Attorney General Mark Brnovich, a staunch proponent of
the state&rsquo;s gay marriage ban. It was also a top donor to Georgia Attorney General Chris Carr, a supporter of former President Trump&rsquo;s
&ldquo;religious freedom&rdquo; rules that permitted government-sanctioned discrimination of LGBTQ individuals.<SUP>15</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">These donations conflict with UnitedHealth Group&rsquo;s aspirations
to provide a supportive environment for its LGBTQ employees.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt">2.</TD><TD>Reporting on corporate political spending and values congruency is becoming a best practice across industries</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In an era where transparency and accountability are paramount in fostering
trust between corporations and their stakeholders, comprehensive corporate reporting on the alignment between political activities and
spending is emerging as a best practice. By gaining insights into a company's engagement in the political process, investors can make
more informed decisions, assessing potential risks and opportunities with greater clarity.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>11</SUP> https://politi.co/3MGNdjA</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>12</SUP> https://bit.ly/3EbL9va</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>13</SUP> https://cbsn.ws/3snU08i</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>14</SUP> https://www.bloomberg.com/graphics/2020-election-company-campaign-finance-climate-change/</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>15</SUP> https://bit.ly/3oyKYXu</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 5 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In 2023, AT&amp;T, which ranks in the top 1% of the nation's corporate
political spenders,<SUP>16</SUP> published its first periodic &ldquo;Political Congruency Report&rdquo; in response to a shareholder resolution
calling for such disclosure. The report identifies key legislation to AT&amp;T's political and corporate sustainability priorities, spanning
tax policies to issues impacting its workforce. Through aggregate metrics, the report evaluates the alignment of voting behaviors of political
contribution recipients with the company's priorities, offering insights into the congruence between political contributions and corporate
priorities. AT&amp;T notes that the report &ldquo;helps [it] assess the congruency of votes made by recipients of political contributions
from AT&amp;T and from AT&amp;T&rsquo;s Employee PACs with [its] Political and Corporate Sustainability Priorities.&rdquo;<SUP>17</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Cigna Group, which ranks in the top 1% of political contributors,
similarly committed to expanding its political spending reporting to include metrics that illuminate and track congruency between its
donations and the company&rsquo;s stated business priorities. The new data will be reported annually, beginning in 2024.<SUP>18</SUP>
In its first disclosures of this nature, Cigna not only published metrics reflecting aggregated policy issue alignment for candidates
and political organizations, but also provided a policy responding to persistent misalignment (which Pfizer has not articulated) with
respect to political contributions: &ldquo;Candidates or political organizations that received PAC or corporate contributions and are
rated as misaligned for three or more business policy priorities over two or more legislative terms will be subject to additional review
to determine if any action(s) should be taken, including ceasing future contribution.&rdquo;<SUP>19</SUP> <B>UHG&rsquo;s policies fail
to stipulate any consequences for sustained misalignment.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Relatedly, several companies have released reports delving into the
incongruity between their policy endeavors, operational strategies, and expenditures on lobbying and trade association affiliations. Notably,
some firms committed to combating climate change have undertaken &ldquo;industry association reviews,&rdquo; systematically evaluating
the extent to which their involvement in specific trade associations aligns with their climate objectives. These reviews not only outline
the alignment status &ndash; whether fully, partially, or misaligned &ndash; but also elucidate the methodologies employed by the companies
and their protocols for rectifying any misalignment. <B>If UHG has conducted any such review, it has not been transparent about its methodology,
results, or subsequent outcomes.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt">3.</TD><TD><FONT STYLE="font-size: 10pt">Current disclosures do not address the concerns raised in the shareholder proposal.</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As the above examples make clear, UHG&rsquo;s current disclosures reveal
a pattern of political spending which continuously compromises important elements of the company&rsquo;s professed operational and sustainability
priorities.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In a 2021 speech, then-acting SEC Allison Herren Lee Chair reaffirmed
the salience of political spending disclosure to investment decision-making:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>16</SUP> https://www.opensecrets.org/orgs/at-t-inc/summary?id=d000000076</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>17</SUP> https://tinyurl.com/22a254sk</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>18</SUP> https://tinyurl.com/4445px2h</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>19</SUP> https://www.thecignagroup.com/static/www-thecignagroup-com/docs/annual-political-contributions-2023.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 6 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 0.5in; background-color: white">[P]olitical spending disclosure
is inextricably linked to ESG issues. Consider for instance research showing that many companies that have made carbon neutral pledges,
or otherwise state they support climate-friendly initiatives, have donated substantial sums to candidates with climate voting records
inconsistent with such assertions. Consider also companies that made noteworthy pledges to alter their political spending practices in
response to racial justice protests, and whether, without political spending disclosure requirements, investors can adequately test these
claims, or would have held corporate managers accountable for those risks before they materialized. Political spending disclosure is key
to any discussion of sustainability.<SUP>20</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Inconsistency can pose risk to corporate reputation, brand, and market
share by leaving companies vulnerable to charges of hypocrisy or indifference to their impacts on communities, employees, and the environment.
While intangible, reputation matters. A survey of 2,200 global executives worldwide in 2021 found that, on average, global executives
attribute 63% of their company&rsquo;s market value to their company&rsquo;s overall reputation.<SUP>21</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Investor demand for misalignment accountability is on the rise. More
than 30 &ldquo;values congruency&rdquo; proposals were filed at companies in 2023. Greater action on misalignment has been endorsed by
the Center for Political Accountability, the Erb [Institute] Principles for Corporate Political Responsibility (affiliated with the University
of Michigan), and Leadership Now.<SUP>22</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt">4.</TD><TD>Satisfying the proposal would increase transparency without compromising UHG&rsquo;s commitment to bipartisan participation in the
political process.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In its opposition statement, UHG acknowledges that it &ldquo;might
not agree with every position taken by each recipient of a political contribution.&rdquo; We agree that full alignment is neither possible
nor practical, and that is not the aim of the proposal. It does not call for UHG to cease bipartisan spending nor does it call on the
Company to attribute misalignment on a candidate-specific basis.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Rather, the requested report should to demonstrate to shareholders
that the question of values alignment is thoughtfully balanced against the pressures of short-term political expediency. It presents an
opportunity for the Company to elucidate if, when, and how it engages with lawmakers when values and priorities come into conflict, akin
to its engagement on other business-critical issues.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 4.5pt"></TD><TD STYLE="width: 18pt">5.</TD><TD>UHG has failed to address reputational risks associated with misaligned political spending.</TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>_____________________________</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>20</SUP> https://bit.ly/3vXEH6D</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>21</SUP> https://bit.ly/3rabGRw</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>22</SUP> See https://www.politicalaccountability.net/wp-content/uploads/2022/06/CPA-Zicklin-Model-Code-of-Conduct-for-Corporate-Political-Spending.pdf;
https://erb.umich.edu/wp-content/uploads/2023/03/Erb-Principles-for-CPR_v1_0.pdf; and ps://storymaps.com/collections/1fb98dd367694914a3b0801110bd2234?item=5.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 7 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>In today's landscape, inconsistency in political activity poses
a reputational risk</B>. As a 2020 survey of 2,200 global executives worldwide found, &ldquo;[c]orporate reputation is an invaluable asset
with appreciable impact on a company&rsquo;s bottom line. On average, global executives attribute 63% of their company&rsquo;s market
value to their company&rsquo;s overall reputation.&rdquo;<SUP>23</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">UHG has repeatedly received negative press attention for political
contributions perceived to be in conflict with the Company&rsquo;s values, including the following stories:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&ldquo;Congressman urging Texas to ignore the Supreme Court is backed by
major law firms&rdquo; (Popular Information, 1.31.24)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&ldquo;These 25 rainbow flag-waiving corporations donated $13.5 million to
anti-gay politicians since 2022&rdquo; (Popular Information, 6.5.23)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&ldquo;U.S. businesses say one thing on climate change, but their campaign
giving says another&rdquo; (Bloomberg, 10.23.20) </FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&ldquo;Texas Republican Party has gone off the rails. Corporate America is
along for the ride&rdquo; (Popular Info, 1.27.21)</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&ldquo;GOP election objectors rake in corporate cash&rdquo; (The Hill, 12.14.21),
and</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0.25in"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol">&middot;</FONT></TD><TD><FONT STYLE="font-family: Times New Roman, Times, Serif">&ldquo;Minnesota's biggest companies open their wallets to political candidates,
and risk&rdquo; (Minneapolis Star Tribune, 10.24.20).</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><U>Conclusion</U></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The examples above illustrate why we believe UHG is doing a disservice
to its shareholders and broader stakeholders by failing to align its political expenditures with its policies and values. The list is
not exhaustive.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">The Supreme Court has interpreted the constitution as permitting political
spending by corporations, but it has also emphasized the rights of investors to use shareholder democracy to ensure accountability for
this spending. In our deeply divided and highly volatile political environment, <B>shareholders must insist upon a more responsible and
coherent political spending strategy</B>. UHG&rsquo;s reputation could be at risk, regardless of disclaimers asserting that contributions
do not imply an endorsement of all of the recipients&rsquo; views.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">In sum, preparing the requested report will help ensure that UHG does
more to monitor its political expenditures so that they do not erode shareholder value by diminishing the Company&rsquo;s reputation,
consumer loyalty, employee support and morale, brand, values, and corporate responsibility initiatives.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">_____________________________</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>23</SUP> https://cms.webershandwick.com/wp-content/uploads/2023/02/The-State-of-Corporate-Reputation-in-2020_executive-summary_FINAL.pdf</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 8 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Vote &ldquo;Yes&rdquo; on this Item No. 4.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><I>For questions, please contact us at Corporate.Engagement&lt;at&gt;rhiaventures.org.</I></P>


<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">THE FOREGOING INFORMATION MAY BE DISSEMINATED TO SHAREHOLDERS VIA TELEPHONE,
U.S. MAIL, E-MAIL, CERTAIN WEBSITES AND CERTAIN SOCIAL MEDIA VENUES, AND SHOULD NOT BE CONSTRUED AS INVESTMENT ADVICE OR AS A SOLICITATION
OF AUTHORITY TO VOTE YOUR PROXY. PROXY CARDS WILL NOT BE ACCEPTED. PLEASE DO NOT SEND YOUR PROXY TO TARA HEALTH FOUNDATION. TO VOTE YOUR
PROXY, PLEASE FOLLOW THE INSTRUCTIONS ON YOUR PROXY CARD.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 9 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>Political Expenditures Misalignment with Company
Values</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>WHEREAS:</B> Public data collected by OpenSecrets.org show that
UnitedHealth Group (&ldquo;UnitedHealth&rdquo;) and its employee PAC rank in the top 1% of political donors.<SUP>24</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">As long-term shareholders of UnitedHealth, we support transparency
and accountability in corporate electoral spending. Informed disclosure is in the best interest of the company and its shareholders. As
the Supreme Court recognized in its 2010 <I>Citizens United</I> decision, such transparency &ldquo;permits citizens and shareholders to
react to the speech of corporate entities in a proper way&rdquo; and &ldquo;enables the electorate to make informed decisions and give
proper weight to different speakers and messages.&rdquo;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Greater political spending transparency is associated with increased
investment levels, both domestic and foreign, and decreased investment volatility.<SUP>25</SUP> Increased institutional investment, increased
analyst following, and decreased analyst forecast error and forecast dispersion are all positively correlated with greater transparency.<SUP>26</SUP></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">UnitedHealth publicly discloses a policy on corporate political spending
and its direct contributions to candidates, parties, and committees. However, greater transparency is warranted because our company does
not disclose information regarding misalignment between its political spending and the company&rsquo;s publicly stated values and vision
as articulated in its Sustainability Report and related ESG disclosures. Investors are unable to determine if UnitedHealth is directing
its political expenditures in a way that is consistent with company values and interests and mitigates reputation risk.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">To minimize values misalignment and reputation and brand risk, UnitedHealth
should establish clear policies and reporting on such misalignment.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>RESOLVED:</B> Shareholders request the Board annually publish a
report, at reasonable expense, analyzing the congruence of UnitedHealth&rsquo;s political and electioneering expenditures during the preceding
year against its publicly stated company values and policies. The report should state whether UnitedHealth has made, or plans to make,
changes in contributions or communications as a result of identified incongruencies.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>_____________________________</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>24</SUP> https://www.opensecrets.org/orgs/unitedhealth-group/summary?id=D000000348</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>25</SUP> https://doi.org/10.1016/j.jcorpfin.2018.08.014</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><SUP>26</SUP> https://www.sciencedirect.com/science/article/abs/pii/S0929119918301135</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

<!-- Field: Page; Sequence: 10 -->
    <DIV STYLE="margin-top: 8pt; margin-bottom: 6pt; border-bottom: Black 2px solid"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font-size: 10pt"><TR STYLE="vertical-align: top; text-align: left"><TD STYLE="width: 33%">&nbsp;</TD><TD STYLE="width: 34%; text-align: center">&nbsp;</TD><TD STYLE="width: 33%; text-align: right">&nbsp;</TD></TR></TABLE></DIV>
    <DIV STYLE="break-before: page; margin-top: 6pt; margin-bottom: 8pt"><TABLE CELLPADDING="0" CELLSPACING="0" STYLE="width: 100%"><TR><TD STYLE="text-align: left; width: 100%"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR></TABLE></DIV>
    <!-- Field: /Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>SUPPORTING STATEMENT:</B> Proponents recommend, at management discretion,
that UnitedHealth include in its analysis metrics that illuminate the degree to which political contributions align with stated values
and policy priorities year over year, and present such metrics in the aggregate. Proponents further recommend that the report also contain
management&rsquo;s analysis of risks to our company&rsquo;s brand, reputation, or shareholder value of political spending, including expenditures
for electioneering communications, that conflict with publicly stated company values. &ldquo;Expenditures for electioneering communications&rdquo;
means spending, from the corporate treasury and from its PACs, during the year, directly or through third parties, in printed, internet,
or broadcast communications, which are reasonably susceptible to interpretation as being in support of or in opposition to a specific
candidate.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">###</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">* Please be advised that the shareholder proposal title (&ldquo;Political
Expenditures Misalignment with Company Values&rdquo;) is part of the proposal and word count pursuant to SEC Rule 14a-8(d), and, as is
written herein, shall be included with the proposal in UnitedHealth&rsquo;s final proxy statement.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><B>&nbsp;</B></P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-top: 3pt; margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 2px solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

</BODY>
</HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>efa_smlogo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 efa_smlogo.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
M      !@     0   &     !<&%I;G0N;F5T(#0N,"XU /_; $,  @$! @$!
M @(" @(" @(#!0,# P,#!@0$ P4'!@<'!P8'!P@)"PD(" H(!P<*#0H*"PP,
M# P'"0X/#0P."PP,#/_; $,! @(" P,#!@,#!@P(!P@,# P,# P,# P,# P,
M# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#/_  !$( #0
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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MS[$_6+/5=;?C8^AA(IDV;EW@;BN>0/6J:^*-,DU=M/74;!M07K;"X3SA_P
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!V0$!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>planparent_logo.jpg
<DESCRIPTION>GRAPHIC
<TEXT>
begin 644 planparent_logo.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0!F17AI9@  34T *@    @ ! $:  4
M   !    /@$;  4    !    1@$H  ,    !  (   $Q  (    0    3@
M      !@     0   &     !<&%I;G0N;F5T(#0N,"XU /_; $,  @$! @$!
M @(" @(" @(#!0,# P,#!@0$ P4'!@<'!P8'!P@)"PD(" H(!P<*#0H*"PP,
M# P'"0X/#0P."PP,#/_; $,! @(" P,#!@,#!@P(!P@,# P,# P,# P,# P,
M# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,# P,#/_  !$( $@
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MN;K"P\3%QL?(R<K2T]35UM?8V=KBX^3EYN?HZ>KR\_3U]O?X^?K_V@ , P$
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MC@T>YF13[,70G_OD5]O/AO(,&_98_%/GZI=/DE)KYL^>CFV9XCW\-17+Y_\
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M1G-11X7QM6FIKE3DFU%R2DTKWLODQU,XP\).+O963=G97VNS]CJ*_+W_ (*
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MD$]?<?\ P> ;O^%5? W;][^V-4Q]?)MJ_5LT2?%>&3_D_29\7@W;)*MOYO\
MY$U[W_@V*N+_ .&KZEH_[1WQ*36IM.^U6:72$V_G&/<JN5E#;=V 2.0.>>E<
MW_P;U?\ !5#6/!G[.7QJTOXV^*-9U/PW\&XK358=3NQ-J5W8VTTDD$L&5#22
M(LBQE1SM#MT4#'02>(O^"K7B;X=C2[/PO\.[&SU#3A;0W=M/IB7$$;QA0Z,U
MP=KA3G)!P>U0_LT?LD0_\&_W_!,SXN?$SXQ:+H?Q!\8>.'L["X\-I(+BP="[
M)!:RR.I5P7EDDE(4C" #<1D^35J2KX2>%QU6%:<Y04%!Q<D^;75))76EWH=U
M.$:=>-;#0E3C%2<G).VVFE]=>Q[A;_\ !T5^RK-X@6S;4?'4-NS;3?OX>;[.
MH]2 YEQ]$S[5]$?M!_\ !5WX%_LS?!GP3\0O$WC#=X/^(>?[!U+3K&>^CO $
M#DXC4E, X(8 @@@X((K\O?CE\3?VF?VK/^";?BCQAJ/[+7[/^E?"'7?#4^J6
ME]8K%:ZII5HJEDO(%,Y8,@7>H" L!TP<'Y4_:/NY=3_X(-_LP17$CRQP^./$
M<$:L?N)YQ.T>V6/YU%/A7 5ITTKQ]_DDE.,_LR>Z6C35FFASSK$TXRO9^[S)
MN+CU2V;U6I^X'[-/_!;KX _M:_'+7/ O@O7M6NIO#NDW6MW>L7=A]CTE;2V*
M":02R,&"J'!RR 8!.<5YAXI_X.=/V4_#7C.728]=\7:M;PRF)M3L=!D:RX."
MP+LLC+[A#D=,UC_\%G/@+X)_9=_X(U>/KKX;^!/"GA2^;2M,T>2[TG2(;>Z^
MQ3WMHD\;2HHD977ALL=W?-?'?_!/6/\ :L;_ ()OZ/X1^'O[*?PG\;?#CQ=I
MUXC:WJ%_:K>:V)I)4>68-=HV]3E%W*"HC7'05Q8/)\LKX=XQ)J'-R)2J1CLK
MN5VK-]HKS.G$8_&4ZJP^E[<UU%OK9*R?WL_6;X@_\%0_@7\,?V7=#^,FK>/;
M%/A[XF<0Z7J4%M/<->38<F%8D0R"0>7(&5E!4H0<&OG#1O\ @Y]_93U?Q=#I
MCZSXRL;>:01_VG<: XLTR<9.UC*![^77YE_MC_LG_%3]C'_@AIX=\%?%C06\
M.ZHGQA:^TZT:^M[O_19-*DR0T+NJ@R*_RD@YR<<U]_\ _!5W]D?X91?\$)+S
M7K/P'X1TO7-$\,Z'J5GJ-CI$%M=0S%[1782(@;YU=PV3\VXYYJUD654G3C4<
MJBJ5'",HR5DDTD]G??74G^TL;-2<4H\D5)IIWOK=;Z;'6?\ !:3_ (+=Z3^Q
M)\';+2?ACKFE7WQ/\465EK&D-<:=+>6+:5<&0?:XY!B)F^3*AF(YR5(J/]F+
M_@M=\)OVQ/V8;;X<CQ=J6L_&'5/AW=R:O#)HD]M%+?0Z5)+>'S/+6$?,DA&T
M[3V[5\3_ +8?@O0_%/\ P;'?!7QI?Z'H]SXNLKJST:#6I+.-K^*SCN[Y%MUF
MQO$8"CY<X]J_1C]D_P#9?^&OA'_@EEX1\9:3X \&Z;XMF^$D<TFM6NC6\.H.
M\VC_ +UC.J!RS[FW$G+;CG.:6*P.78; 14H2<U4E'F36LHV6NGP^6^^H4<1B
MJV);4ERN$96UV?;7?S/SD_X(+?\ !7[X*_\ !./]C+Q7H7Q$U/7#X@UCQA-J
M%MINE:8]U,UN;2UC$A8E8U&Y'&"^?EZ5^P?['W_!1GX2_MR?!S5O''@/Q,DN
MB^'69=9&HQ&RFT?:AD)G5^%78"P<$H0K8/RG'YS_ /!K%^S;\//BU^Q1\1-3
M\5>!?"/B749O&$NGM<ZKI,%Y+]F%E:L(0TBL0FZ1S@8&6-?&OP7$GP0^"G_!
M2+PWX7DFT[1])^SZ3;6T;G;';#Q ]H5_\!W="?1C7H9ME."S#'8F-/FC5C*%
MVVG%\TE':UU:_<Y<#CL1A</1<K.$HRLK.ZLF]_,_4SQG_P '.?[*OA'QA-I,
M.N>+M;A@E,3:CIVA.]F2#@LID9'9?=4(/;-?6GP7_;:^%O[0'[.\WQ6\+^,M
M)O/ =I!+/>ZI*QMTTX1+NE6=9 &B9%Y*N <$'D$$_*__  04_9N^'NL_\$@_
MA_'=^%?#NJ+XOMK^;6S<V,4S7[M>7$9$I8$MA%50"> !C%?C_P# ;QGK'@?_
M ()._ME^&]%N+A?#J^*?#D ,;':(Y+Z='Y_VU@A!]0 #Q7FQX?P&*G5H8;FC
M*E.,&VTU)2ERMVLK-;G6\TQ-&,*E:TE.+DDDU:RO;=W/UNUS_@Y^_93T?Q8^
MFQZSXSU"VCD,9U*V\/O]D.#C<-[+*1](Z^O/!W[:OPM\>?LRM\8],\::/-\-
MH;-[V;6V<QPVR(<.)%8!TD5OE,94/NP,9(%?,G_!,#]F3X<:]_P12\"Z7?>%
M?#=SI_B;P7+=:N\UA$S74TR2-+*[%<EPQ.&)RNT8Q@8_%KX9_$/7=/\ ^""_
MQ6T&&\NO[%F^+&CPO$'/E[)+*>5U^ADMK=B/5111X?P&-G.GA>:#IU(P;;3N
MFVKK16>FVJ"IFF)P\8SK6ES1<E9-6:2=MW=:GZ<?ME_\'%G[-'QV_9D^*W@'
M0M8\6?VEXA\+ZEIFFWEQH4D=G=SRV\B1J#DR*&8@9=% SSBN=_X(L_L[ZM^U
M)_P0AO?".B:A:V.H77C"]N$6[9EM;P1O"QBE*@D*?O [6 =$)5@"#[5/^RA\
M,/#G_!OQ)]A\$^$YV;X0_P!LF[;3())WO7TS[0UP9=N[S1*Q;=G(('/%5_\
M@UK_ .46-K_V->I_^T:JO5PU#*ZKP,91Y*L?B:=VD[/96]!4X5JF,@L2T^:#
MV5MVM-V?4G_!//\ 9?UK]DWX%7'AW7KZTNKR^U1]1$%K,\T-DI@@AV!V5=S.
MT+3.51%\R>3:N,$E>[45\/B*TJU1U9[L^BITU3@H1V1^7_\ P=H_\HV/"O\
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MA?QG^T)H6M_"K1]$O]"M_#EO'/.KPS6<UO",O$A"Q,Z.H+, $P!TK[1\8_\
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M>.S_ !>+I.C5Y5%N[M&*N^[LM6=&&RRA0G[2%[VLKMNR[*X4445XIZ!\.?\
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M-UX2.D^&O -S?:;K[:KJ#3(TMS<77EM$G[GS412P4.8RRC:6/A&O_P#!+_\
M:(^+6NW^K7O@SQ+I_G_"37/!:)XK^(MKKUZ=0N8 L001X@MK8OPJ1$@<EMO
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F[*<(V\K[ZZ[^;\O(TIX*-.?/&3O\O+R\CZ6HHHKRSL"BBB@#_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
