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[Enrique Rosales, Commercial Banking Relationship Manager, Wells Fargo] Another thing we've heard from our clients. We're looking to merge but need to find the right partner. How do we choose someone who aligns with our vision?

[Manny Losada, CEO & President, Optimal Healthcare Solutions] Great question.  Because I've lived it for the last year and a half as we transition and integrated with, the Keralty organization. 

So, as Optimal, we've been involved with a privately held business, in the medical distribution supply chain space. As ownership was sunsetting, that asked me to come and run and grow the business. Five years went by, add another two for COVID. So, we went through the period where the theme and the mission of the company was to keep Optimal operational.

So as that happened, the investment side of the business and the merger discussions started. My commitment to our team was to preserve the fabric of Optimal and selection of a partner. As we went through, 14 to 15 private equity venture capital firms, I quickly knew that this was not the path. And, even consulting with Wells Fargo at the time, my plans, through that process, we narrowed down to more of a strategic.  And when you talk of or with strategic, you have to find somebody that speaks your language. And in our case, it's both English and Spanish. And, through a reference in the industry, we were connected with, the Keralty organization.  As they were looking to expand the U.S. business, our Optimal story by fate started to come together. As I was explaining what our intent for the future would be, it started to match up to their needs. And I think we're just at the beginning, now we're getting started.

[Enrique Rosales] That's great to hear and thanks for the background. I think it's very relevant for a lot of our clients. 

[Rosa Viasana, Director of Quality and Inventory, Optimal Healthcare Solutions] I would definitely say that having trust from the beginning, Manny said, we will never enter into a partnership where our company is in jeopardy. It is always going to be someone that's going to protect the people and someone that's going to protect the assets and ensure that we can grow. And, even if we had to grow slowly, that we were going to grow with a solid foundation. And he was adamant about that from the beginning. Absolutely guiding us down the right path. So, I think that says a lot. 

[Alsacia Pulliza, Lead Controller, Optimal Healthcare Solutions] For these, companies that are looking for a new partner just take the time, right. Just look for the correct people or the correct company to join your company. And I think that that's a key. That happened with Optimal, right? They took the time to find the correct partner, and it has been amazing, really.

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[©2025 Wells Fargo & Company]

PM-06042026-6489312.1.24

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Simplify, innovate, and thrive.

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Adopting instant payments as part of your business strategy can help simplify financial transactions and give you a competitive advantage. If you aren’t already thinking about these innovative payment platforms, you may be missing opportunities.

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Instant payments:

• 24/7/365 convenience
• Lightning-fast settlement
• Built-in flexibility

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Instant payments are contextual, immediately available, and can reduce the manual handling of complex transactions, offering convenience and flexibility.

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Instant payment methods:

• FedNow
• RTP®
• Push to card
• Zelle

RTP® is a registered service mark of The Clearing House Payments Company L.L.C.

Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

For your protection, Zelle should only be used for sending money to customers and vendors who you trust.

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There are many methods you can use to integrate instant payments. What’s most important is that you use them in a way that works for your business.

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• Revenue
• Customer experience
• Operational efficiency

[Voiceover]

The right payment platforms and providers can help drive new revenue growth, improve your customer experience and even enhance operational efficiency.

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Where are your opportunities?

[Voiceover]

Consider the following opportunities for your organization to incorporate instant payments into your business strategy.

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Strengthen business relationships

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Instant payments help you move toward complete digital transactions. By reducing cash and checks and providing faster settlement, you can strengthen your relationships with your vendors and suppliers.

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Pay your supplier and contract workers instantly  

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With the ease of digital convenience, you can pay your suppliers instantly when needed.

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Reduce paperwork and follow-up required for reconciliation

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And with the strong remittance data built into instant payments, you reduce the amount of paperwork and follow-up required for reconciliation.

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Delight your customers with speed and convenience  

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In today’s world, your customers most likely expect quick response and immediate action. Instant payments can be a strategic tool to help meet those expectations.

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Critical payments and on-demand transactions

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For example, a customer can pay at their convenience, choosing when and how they pay.

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Instant refunds and adjustments

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And you can build a secure customer service process for quicker refunds when needed.

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Offer easy upgrades

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Instant payments can also help facilitate online purchases, upgrades and enhancements for your customers.

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Simplify life for your valued employees

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Instant payments promote efficiency and simplify tasks for employees.

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Real-time payments for workers give you a competitive edge

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Tasks such as paying contract workers can be completely digital, so payments are made in real time. That gives you an edge when competing for these workers.

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Disburse per diems safely, quickly

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You can also automate and track per diems for travel – reducing complications associated with lost, stolen, or misplaced cash or checks.

Internally and externally, instant payments have the power to transform your business.

Wells Fargo can work with you to explore best practices and strategic ways to incorporate instant payments in your organization.

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Simplify, innovate, and thrive.

Instant Payment Simplified^SM

Wells Fargo

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