Yes, for a specific premium load of 9%, no new lasers will be imposed at the next renewal and
the specific rate increase at the next renewal will not exceed 50%, provided renewal terms are on
a like-to-like basis (contract type, specific deductible, commission level, plan design, enrollment, PPO, etc.). If/when this option is renewed, the 9% premium load again applies and is exclusive of the 50% rate cap.