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"| TeELVUE CORPORATION Quote#: Q-017253
| 16000 Horizon Way, Suite 100 Quote Issued: 6/23/2022
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| Mr. Lauret, NU O8054 Quote Expiration: 7/23/2022

TelVue Terms & Conditions

The products ("Products") and services (“Services”) provided by Tel Vue Corporation (TELVUE) to you (“Customer”) are subject to the following terms and
conditions ("Terms and Conditions”). By placing an order with TEL VUE. Customer agrees to be bound by these terms and conditions. These Terms and
Conditions shall apply to all quotations and offers made and accepted by TEL VUE. The Terms and Conditions contained herein are subject to change at any time
by TELVUE in its sole discretion and without notice to any potential purchaser of the TelVue's products and services. No purchase order submitted under these
quoted Terms and Conditions shall be deemed to create a binding contract unul such time ats Tel Vue accepts such purchase order. Tel Vue reserve the right to
decline any purchase order based on this quote at its sole discretion. Customer agrees that these Terms and Conditions may in some instances conflict with some
of the terms and conditions affixed to the purchase order or procurement document issued by the Customer. In that case. the Terms and Conditions contained
herein shall govern and acceptance of Customer's order is expressly conditioned upon Customer's acceptance of these Terms and Conditions whether the
Customer accepts the Terms and Conditions by written acknowledgment. implication, or acceptance and payment of Products or Services purchased. TELVUE's
fulure to object to provisions contained in any communication from Customer to the contrary shall not be deemed a waiver of the provisions of these Terms and
Conditions. TELVUE will use commercially reasonable efforts to ship Products to Customer's address listed on the TELVUE Quote Form, and to provide
Services to Customer's authorized users in accordance with the scheduled date specified by TELVUE. Customer acknowledges and agrees that delivery schedules
are subject to change. TELVUE will notify Customer of any anticipated delay of thirty (30) or more days in delivery of the Products or Services purchased.
Products are delivered F.O.B. TELVUE shipping point. Customer shall pay all shipping charges, including without limitation. transportation charges and
Insurance premiums, and shall be responsible for all taxes, duties and other government assessments. Customer shall pay TEL VUE tor any product or service fee
(collectively, "FEES") set forth on TELVUL’s Quote Form, Payment shall be made in U.S. dollars in the U.S. where Customer has established credit, and the
terms of payment will be "NET 30° -- thity (30) days trom invoice date unless otherwise indicated on the invoice. Any FEES not paid by Customer when due
shall hear interest until paid ata tate of one and one-half percent (1.5%) per month (eighteen percent (18%) per annum), or the maximum rate permitted by kiw,
Whichever is fess. Customer shall be reyponsible tov the costs, including without limitation, attorneys’ fees and court costs, incurred by TELVUE in connection
with TELVUE's collection of any past-due FEES. Customer shall bear and be solely responsible for the payment of all taxes levied or assessed in connection with
the Products and Services, if any. including without limitation. all sales, use, rental reeeipt. personal property, import and monthly or other taxes (but excluding
taxes based solely upon TELYUE's income). In addition to any other remedy available to it, PFELWGE may suspend or terminate the Services, in whole or in part,
upon Customer's failure to timely pay the FEES without incurring any liability to Customer or others associated with Customer. All FEES paid and charges made
prior to any termination as provided herein are nonretundable, Termination of the Services shall not release Customer from any obligation to pay accrued charges
on FEES. TELVUE may increase its FEES for any TEL VUE-provided content and third-party software to the extent that its licensors raise their fees to TEL VUE
upon not less than thirty (30) days prior written notive to the Customer. [f the increases exceed ten percent (10%) of the then current FEES. Customer may choose
to delete the TELVUE-provided content or third-party software. as applicable. TEL VUE reserves the right to begin charging Services FEES if the Services are not
launched by Customer within one hundred twenty (120) days of the order date through no fault of TELVUE, Customer shall comply with all export faws and
restricuons and regulations of the Department of Commerce or other United States or foreign agency or authority. and shall not export. or allow the export or
re-export ol the Products or any Confidential Information or any direct product thereof in violation of any such restrictions. laws or regulations. or to Afghanistan,
the People’s Republic of China or any Group Q. S. W. Y. or Z country specified in the then current Supplement No. | to Section 770 of the U.S. Export
Adnuaisuation Regulations (or any successor supplement or regulations): Customer shall obtain and bear all expenses relating to any necessary licenses and/o1
eXemplions with respect to the export from the U.S. of all material or items deliverable by TEL VUE to any location and shall demonstrate to TEL VUE
compliuce with all applicable laws and regulations prior to delivery thereof by TELVWUE. TELVUE warrants to Customer that the Products or Services offered
by TELVUE pursuant to these Terms and Conditions shall conform to the specifications for such Products or Services mutually agreed to by the partes in writing
at the time of shipment. The warranty period for hardware-based Products shall be twelve (12) months from the diate of shipment. Customer's sole remedy for
breach of the foregoing warranties shall be Limited to Product replacement. or if replacement 1s inadequate. or in TELVUE'’s sole discretion impractical, to refund
the purchase price. TELVUE PROVIDES THE PRODUCTS AND SERVICES "AS IS" AND MAKES NO WARRANTY THAT THE PRODUCTS OR
SERVICES WILL BE UNINTERRUPTED. TIMELY. SECURE. OR ERROR FREE: NOR DOES TELVUE MAKE ANY WARRANTY AS TO THE
RESULTS THAT MAY BE OBTAINED FROM THE PRODUCTS OR SERVICES OR AS TO THE ACCURACY OR RELIABILITY OF ANY CONTENT
OBTAINED THROUGH THE PRODUCTS OR SERVICES. EXCEPT AS SET FORTH HEREIN, OR IN A WRITTEN AGREEMENT BETWEEN THE
PARTIES THAT EXPRESSLY AMENDS TEL VUE'S WARRANTY. AND SUBJECT TO APPLICABLE LAW. TELVUE MAKES NO OTHER. AND
EXPRESSLY DISCLAIMS ALL OTHER. REPRESENTATIONS. WARRANTIES. CONDITIONS OR COVENANTS. EITHER EXPRESS OR IMPLIED
(INCLUDING WITHOUT LIMITATION. ANY EXPRESS OR IMPLIED WARRANTIES OR CONDITIONS OF FITNESS FOR A PARTICULAR
PURPOSE. MERCHANTABILITY. DURABILITY. TITLE. ACCURACY OR NONINFRINGEMENT) ARISING OUT OF OR RELATED TO THE
PERFORMANCE OR NONPERFORMANCE OF THE SERVICES. INCLUDING. BUT NOT LIMITED TO, ANY WARRANTY RELATING TO THIRD
PARTY SERVICES. ANY WARRANTY WITH RESPECT TO THE PERFORMANCE OF ANY HARDWARE OR SOFTWARE USED IN PERFORMING

www.telvue.com | 16000 Horizon Way, Suite 100, Mt. Laurel, NJ 08054 | Phone. 1-(800)-885-8886 | Email: sales@telvue.com

‘| TetVueE CORPORATION Quote#: Q-017253
| 16OO0O Horizon Way, SuITE 100 Quote Issued: 6/23/2022
c>

Mt. LAurREL, NU 08054 Quote Expiration: 7/23/2022

SERVICES AND ANY WARRANTY CONCERNING THE RESULTS TO BE OBTAINED FROM THE SERVICES. THIS DISCLAIMER AND
EXCLUSION SHALL APPLY EVEN IF THE EXPRESS WARRANTY AND LIMITED REMEDY SET FORTH HEREIN FAILS OF ITS ESSENTIAL
PURPOSE. To the extent that TELVUE data is transmitted over the Internet, Customer acknowledges and agrees that TEL VUE has no control over the

functioning of the Internet and TELVUE makes no representations or warranties of any kind regarding the performance of the Internet.

TELVUE and Customer are independent contractors in the performance of these Terms and Conditions, and each party is solely responsible for all of its
employees and agents and its labor costs and expenses arising in connection therewith. Customer is responsible for and will indemnify TEL VUE trom any and all
claims. liabilities. damages, debts. settlements. costs, attorney's fees. expenses and liabilities of any type whatsoever that may arise in connection with the
purchase and use of Products or Services and on account of Customer's activities. or those of its employees or agents, including without limitation, providing
unauthorized representations or warranties (or failing to effectively disclaim all warranties and liabilities on behalf of TEL VUE) to its customers or breaching any

term, representation or warranty of these Terms and Conditions.

Certain TELVUE Products and Services require a full-time Internet connection for proper operation. An Internet connection may also be required for remote
TELVUE support. Customer is responsible for providing Internet access that meets TEL VUE's requirements. Customer shall provide TELVUE with access to
Customer's technical personnel. facilities. systems, databases and information as necessary or appropriate for TEL VUE to perform its obligations under these
Terms and Conditions. Customer shall] be solely responsible for all content supplied by Customer. Customer represents and warrants to TELVUE that such
content will not violate or infringe any copyright. patent. wademark, trade secret. confidentiality or other proprietary right of any third party. License granted to
Customer is for the object code version of the Products or Services and TELVUE-provided content only. Customer has no rights to the source code tor the
Products or Services or any TELVUE-provided content. Customer shall not permit anyone under Customer's direction or control to, reverse engineer,
disassemble, de-compile or remove any identifying mark of TELVUE or its licensors from the Products, Services or any TELVUE-provided content or attempt to
do so. Customer may not modify. adapt. translate or create derivative works of the Products, Services or any TELV UE-provided content without TELVUE's
express written consent. The Services are licensed as a single product. TELVUE-provided content may be used only in conjunction with the Services. TELWUE
shall retain all Proprictary Rights in and to the aforementioned and to any discoveries, improvements, inventions (whether or not patentable}, ideas or know how
that is conceived, learned. or reduced to practices by TEL VUE in the course of performance under these Terms and Conditions. Both patties agree that all system
designs. computer programs, data, processes, trade secrets, inventions (whether or not patentable). algorithms. Know-how, and ideas and all other business.
marketing. technical and financial information they obtain from the other party constitute "Confidential Information” of the disclosing party if marked as such
when disclosed in writing. or if disclosed orally, designated as such within LO days of oral disclosure. Except as expressly and unambiguously allowed under these
Terms and Conditions, TEL VUE and Customer agree to hold in confidence and not use or disclose the other party’s Confidential Information. The receiving party
shall not be obligated for any information which itcan document: ts in or (through no improper action or inaction by the receiving party) enters the public domain
(and is readily available without substantial effort), or was rightfully a its possession or known by it prior to receipt from the disclosing party, or was rightfully
disclosed to it by another person without restriction, or was independently developed by it by persons without access to such information and without use of any
Confidenual Information of the disclosing party. or Is required to be disclosed pursuant to local or federal statutes and/or regulations. These obligations shall
continue for a period of three (3) years Irom disclosure. TELVUE WILL NOT BE LIABLE WITH RESPECT TO OR ARISING OUT OF ANY SUBJECT
MATTER OF THESE TERMS AND CONDITIONS UNDER ANY CONTRACT. NEGLIGENCE. STRICT LIABILITY OR OTHER THEORY FOR ANY
AMOUNTS IN EXCESS IN THE AGGREGATE OF THE AMOUNTS PAID TO TELVUE HERE UNDER OR ANY INCIDENTAL. INDIRECT. SPECIAL.
PUNITIVE OR CONSEQUENTIAL DAMAGES. INCLUDING. BUT NOT LIMITED TO, LOST OF PROFITS. BUSINESS REVENUES OR SAVINGS.
LOST DATA OR COST OF PROCUREMENT OF SUBSTITUTE GOODS. TECHNOLOGY OR SERVICES. TELVUE SHALL HAVE NO LIABILITY FOR
ANY FAILURE OR DELAY DUE TO MATTERS BEYOND ITS REASONABLE CONTROL. THE ENTIRE RISK ARISING OUT OF THE USE AND/OR
PERFORMANCE OF THE PRODUCTS OR SERVICES REMAINS WITH CUSTOMER, IN NO EVENT SHALL TELVUE OR ITS LICENSORS OR ANY
OF THEIR OFFICERS. DIRECTORS, EMPLOYEES. AGENTS OR AFFILIATES BE LIABLE FOR ANY CONSEQUENTIAL. INCIDENTAL. DIRECT.
INDIRECT. SPECIAL. PUNITIVE. OR OTHER DAMAGES WHATSOEVER (INCLUDING. WITHOUT LIMITATION, DAMAGES FOR LOSS OF
BUSINESS PROFITS. BUSINESS INTERRUPTION. LOSS OF BUSINESS INFORMATION. OR OTHER PECUNIARY LOSS) ARISING OUT OF USE OF
OR INABILITY TO USE ANY PRODUCTS OR SERVICE, EVEN IF TELVUE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR
ARE OTHEWISE FORSEEABLE. IN THE EVENT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR
CONSEQUENTIAL OR INCIDENTAL. DAMAGES. THESE LIMITATIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Tel Vue Hardware Warranty and Tel Vue Care Extended Warranty Terms and Conditions - Tel Vue Corporation (Tel Vue) will at its option, either repair, replace or
upgrade software and/or firmware on any product manufactured by Tel Vue which proves to be defective in materials or workmanship or fails to meet the
specifications which are in effect on the date of shipment or such other specifications as may have been expressly agreed upon in writing for a period of one (1)

year from the date of original purchase. With optional TelVue Care. the equipment owner can extend these terms for up to four additional years. Certain products

www.telvue.com | 16000 Horizon Way, Suite 100, Mt. Laurel. NJ 08054 | Phone: 1-(800)-885-8886 | Email. sales@telvue.com

— \ "| TeELrVueE CORPORATION Quote#: Q-017253
-_ I1\6OO0O Horizon Way, Suite 100 Quote Issued: 6/23/2022
. <a> | Mt. LAurReEL, NU O8054 Quote Expiration: 7/23/2022

that are not manufactured but are resold by TelVue will carry the original OEM warranty for that product. In the case of a failure, the customer will be responsible
for round trip shipping costs to Tel Vue and up to a $500 maximum factory repair service deductible. This warranty does not cover damage resulting from (i) use
or installation other than in strict accordance with manufacturer's written instructions, (11) disassembly or repair by someone other than the manufacturer or a
manufacturer-authorized repair center, (iii) misuse. misapplication or abuse. (iv) alteration. (v) lack of reasonable care or (vi) acts of God. A $500 reactivation fee

will apply to a lapsed warranty for Tel Vue Care on equipment. Tel Vue Care is not transferrable without written permission trom TelVue.

If any provision of these Terms and Conditions is held unenforceable by a court of competent jurisdiction, that provision shall be limited or eliminated to the
minimum extent necessary so that the Terms and Conditions shall otherwise remain in full force and effect and enforceable. These Terms and Conditions shall! be
governed by and construed under the laws of the State of New Jersey and the United States without regard to the conflicts of laws provisions thereof and without
regard to the United Nations Convention on Contracts for the International Sale of Goods. The parties agree that venue for any action of any kind shall be
Burlington County, New Jersey. Any waiver or amendment to these Terms and Conditions shall be effective only if made in writing and signed by a
representative of the respective parties. authorized to bind the parties. The prevailing party in any action to enforce these Terms and Conditions shall be entitled to
recover costs and expenses. including. without limitation, attorneys’ fees. Notices given under these Terms and Conditions shall be in writing and considered to be
received upon the earlier of actual receipt or five (5) days after mailing if mailed postage prepaid by regular mail, or one (1) day after such notice is sent by major
commercial rapid delivery courier or facsimile transmission. Any delay or failure by either party to exercise any right or remedy will not constitute a waiver of

that party to thereafter enforce sach rights.

INFOVUE - Terms & Conditions: InfoVue is sold under additional terms and conditions related to various optional information services available. These terms
and conditions are contained on the Tel Vue web site. [tis the responsibility of the Customer/User to review those terms and conditions and to ensure compliance
with them. Phe terms and conditions for InfoVue can be found at:

https www. telvue.com/wp-content uploads/Info V ue-End-User-Licensing- Perms-and-Conditions-2015-5-4.pdft

The information contained in this quote ty confidential and proprietary to TelVue Corporation and may not be disclosed to third parties or duplicated. in whole or

In part, without the prior consent of TelWue Corporation.

www.telvue.com | 16000 Horizon Way, Suite 100, Mt. Laurel. NJ 08054 | Phone: 1-(800)-885-8386 | Email: sales@telvue.com

21505 Invoice 16011
TelVue Corporation Date 6/17/2022
16000 HORIZON WAY JUN 2 4 2022 Page 1
SUITE 100
MT. LAUREL NJ 08054
Bill To: Ship To:
City of Nashua City of Nashua
Accounts Payable, PO Box 2019 Accounts Payable, PO Box 2019
229 Main Street 229 Main Street
Nashua NH 03061-2019 Nashua NH 03061-2019
Purchase Order No.__| Customer ID Salesperson ID Shipping Method Payment Terms _|Req Ship Date __| Master No. |
wong, 6(24/27 | 705778 Net 30 6/17/2022 18,181
Ordered Shipped __| 8/0 ttem Number Description Discount __| Unit Price Ext. Price
1 1 TELVUE CARE SUPPOR| TelVue Care Support Coverage $0.00 $15,500.00 $15,500.00
Subtotal! $15,500.00
Misc $0.00
Tax $0.00
Freight $0.00
Trade Discount $0.00
Telvue Corporation Total $15,500.00

www.telvue.com
Fadaral Tay IN#: 29.2596160

T E LWuU E Dan Joworisak <djoworisak@telvue.com>
(Gol

RE: Nashua TelVue Care

1 message

Johnson, Pete <johnson.pete@nashuanh.gov> Mon, Jun 20, 2022 at 4:08 PM
To: Dan Joworisak <djoworisak@telvue.com>

Hi Dan,
The city has decided to go with the 2 Year TelVue care extension discussed below for $15,500.

Can you please send me a quote/invoice for that amount ASAP. | would like to get that into our system for payment.
Our cutoff for the current fiscal year is coming quickly. | have enough to pay the full amount this time around from
our ‘21-'22 budget.

Once | get that into our system, the city will send/fax you a P.O.
if you have any questions, please let me know.
Thanks!

Pete

Peter Johnson
Education Channel Access Administrator

Member of the NH Coalition for Community Media

MF City of Nashua - IT Division 2
f Nashua ETV Channel 99
nd ‘ http://nashua.ezstream.com

229 Main St|PO Box 2019|Nashua, NH 03061-2019

T: 603.589.3158| M: 603.689.8320

johnson.pete@nashuanh.gov | www.nashuanh.gov

City of Nashua

Purchasing Department

Administrative Services Division (603) 589-3330
229 Main Street - Nashua, NH 03060 Fax (603) 594-3233

June 29, 2022
Memo #23-303

TO: Mayor Donchess
Finance Committee

SUBJECT: Smart Shopper Benefits Program in the amount not to exceed $40,000 funded from
59600 SmartShopper Program/Benefits Fund

Please see attached communications from Kimberly Kleiner, Director of Administrative Services, dated June
27, 2022 for project specific details related to this purchase. Below please find a summary of the purchase

approval request:

Item:
Value:
Vendor:

Department:
Source Fund:

Ordinance:

Smart Shopper Benefits Program

not to exceed $40,000

Sapphire Digital

113 Benefits

59600 SmartShopper Program/ Benefits Fund

Pursuant to NRO § 5-83 Professional Services (A} In the purchase of accounting,
architectural, auditing, engineering, legal, medical and ambulance services and
purchases of independent professional consultant services for personnel, data
processing, actuarial, planning, management and other comparable purchases
competitive bidding shall not be required.

The Board of Public Works (3/25/22 BPW meeting), Administrative Services Division: Benefits
Department, and the Purchasing Department respectfully request your approval of this contract.

Regards,

Kelly Parkinson

Purchasing Manager

Ce: K Kleiner
J Graziano

City of Nashua

Administrative Services Division

(603) 589-3020
229 Main Street - Nashua, NH 03060

To: Mayor Donchess
Finance Committee

Date: June 27, 2022
Re: SmartShopper Contract FY23

This request is for the approval of a contract with Sapphire Digital for the City of Nashua’s
SmartShopper Program for one year.

Funding: Benefits Fund 13.6600.890-— 59600 SmartShopper Program.

The City of Nashua has contracted with Sapphire Digital for its annual SmartShopper program for the
past three years. The City will pay any incentives earned by employees and outlined in Attachment
B. The City will also pay Sapphire Digital 30% of the Claims amount saved by the City. Anthem, the
City’s health provider will pay Sapphire .20 per member per month. For FY22, the City has saved
$48,699 in claims, through the end of May. For the same time period, the city has paid $6,800
directly to our employees in incentives. The program has resulted in $270,614 in claims savings
since its inception and paid $42,000 in incentives. We are requesting a one year contract and will

evaluate the programs growth next spring.

Currently there is $40,000 budgeted for FY23 in the SmartShopper line of the Benefits Fund.

Kimberly Kleiner

Kimberly Kleiner
Administrative Services Division Director

Ce: K. Parkinson

SmartShopper

May 2022 Performance Report

Account: CITY OF NASHUA
Program Date: 07/01/19

Executive Summary

Total Population

4,899 Members

2,015 Households

Engagement Summary - Program to Date

2,015

Households

337

Households Activated

248
Households Shopped

107

Households Converted

Program Savings

$312,614

Total Gross Savings

Savings Summary

Timeframe Gross Savings
MTD $10,112
YTD $55,499
PTD $312,614

17%

Activation Rate

74%
Activated Shop Rate

43%

Conversion Rate

Vv

$270,614

Total Claims Savings

Incentives

Paid($) Claims Savings
$1,525 $8,587
$6,800 $48,699
$42,000 $270,614

Benchmarks

6%

Activation

47%
Activated Shop

34%
Shop Conversion

$577

Claims Savings Per Incentive

Incentives Savings Per
Paid(#) Incentive
16 $537
77 $632
469 $577

Page 1 of 6

SmartShopper

Account: CITY OF NASHUA
Program Date: 07/01/19

May 2022 Performance Report

Activations
20 18
15
10 Z
4 4 4
: : oa fl
2 2
; c o ~~ PBeeeieaas —
Mar Apr May Aug Sep Oct Nov Dec Jan Feb Mar Apr May
2021 2021 2021 1004 v2 2021 2021 2021 2021 2021 2022 2022 2022 2022 2022
Shopping
97
100
63 57 65
80
60 37 34
40
: : 7 . it : :
0
Mar Apr May — Jun Jul Aug Sep Oct Nov’ Dec Mar Apr May
2021 2021 2021 2021 2021 2021 2021 2021 2021 2021 ooo 102 2022 2022 2022
Incentives
30 30
20
0
Mar Apr May Jul Aug Sep Oct Mar Apr May
2021 2021 2021 1004 2021 2021 2021 2021 ooo 2024 ooo 102 2022 2022 2022
Claims Savings
$14,325 $13,865 915.243 $14,830
$15,000 $10,114 $11,935 $10,593 50,616 $10,784
$8,088 $8,587
$7,368 $7,354
$10,000
$4,513 $4,882
$5,000 L L
$0
Mar Apr May = Jun Jul Aug Sep Oct Feb Mar Apr May
2021 2021 2021 2021 2021 2021 2021 2021 2021 2024 son 2022 2022 2022 2022

Page 2 of 6

: Account: CITY OF NASHUA
SmartShopper Program Date: 07/01/19

May 2022 Performance Report

aaa }OP Procedure Summary (Jun 2021 - May 2022)

Top Shopping Procedures Top Savings Summary

Lab/Blood Work [I 56 Specialty Rx $38,716

Mammogram a: Lab/Blood Work $27,936

Colonoscopy a:

Physical Therapy $23,306

Colonoscopy $9,745

Physical Therapy | Shoulder Surgery $9,681
Specialty Rx [BB9 MRI| $8,823
X-Ray fz Upper GI | $3,549
Ultrasound | Mammogram | $2,989
ctscan ffi Bone Density {$1,085
Upper GI fio Ultrasound [$753

aaa Missed Opportunity Procedure Summary (Jun 2021 - May 2022)

Top 10 Missed Opportunity Claims Top 10 Missed Opportunity Savings
Lab/Blood Work [nS 392 Lab/Blood Work $1,353,985
X-Ray BR: 304 Physical Therapy $789,506
Ultrasound Moss Colonoscopy $300,646
CT Scan sss Sinus Surgery $260,957
Physical Therapy [515 SpecialtyRx $250,138
mri 511 CTScan $221,393
Colonoscopy 286 MRI $209,749
Specialty Rx |188 Ultrasound — $152,500
Sinus Surgery 77 OB/Gyn $138,624
OB/Gyn [24 X-Ray $129,983

Page 3 of 6