Sunny Benefits is a modern benefits and rewards platform that brings payments, benefits and member engagement together in a single, white-label experience. We combine a filtered-spend Visa Flex Card, broad benefit capabilities (dental, vision, pharmacy, transportation and more), and an integrated rewards dashboard so members see live balances, rewards and benefits in one place. Sunny reduces vendor fragmentation by consolidating rewards and benefits interactions, adds gamification and health content to boost engagement, and delivers actionable reporting so employers and partners can measure quality and utilization. Our Costco partnership and open-loop retail network expand everyday purchasing power while MCC and item-level controls ensure spend is aligned to plan rules. Sunny supports employers with 24/7 online self-service, IVR, and plan CSR, while our data and segmentation capabilities turn member buying dynamics into program improvements.