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Hanger Inc

hngr · OTC Healthcare
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Sector Healthcare
Industry Medical - Care Facilities
Employees 5001-10,000
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FY2020 Annual Report · Hanger Inc
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 10-K

☒  ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the fiscal year ended December 31, 2020

or

☐   TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from              

to

Commission File Number 1-10670
HANGER, INC.
(Exact name of registrant as specified in its charter)

Delaware 
(State or other jurisdiction of 
incorporation or organization)

10910 Domain Drive, Suite 300, Austin, TX 
(Address of principal executive offices)

84-0904275 
(I.R.S. Employer 
Identification No.)

78758 
(Zip Code)

Securities registered pursuant to Section 12(b) of the Act:

Registrant’s phone number, including area code (512) 777-3800

Title of each class
Common Stock, par value $0.01 per share

Trading Symbol
HNGR

Name of each exchange on which registered
New York Stock Exchange

Securities registered pursuant to Section 12(g) of the Act: None

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes ⌧ No ☐

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes ☐ No ⌧

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934

during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements
for the past 90 days. Yes ⌧ No ☐

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of

Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ⌧ 
No ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an 
emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growth company” in 
Rule 12b-2 of the Exchange Act.

Large accelerated filer ☐

Accelerated filer ⌧

Non-accelerated filer ☐

Smaller reporting company ☐

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new

or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal 
control over financial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or 
issued its audit report x

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes ☐ No ⌧

The aggregate market value of common stock held by non-affiliates on June 30, 2020, was approximately $376.8 million. 

As of February 17, 2021 the registrant had 38,147,988 shares of its Common Stock outstanding.

DOCUMENTS INCORPORATED BY REFERENCE

Part III of this Form 10-K incorporates information by reference from the registrant’s definitive proxy statement or amendment hereto to be filed within

120 days after the close of the fiscal year covered by this annual report.

    
    
    
Table of Contents

Hanger, Inc.
Part I

Item 1. Business
Item 1A. Risk Factors
Item 1B. Unresolved Staff Comments
Item 2. Properties
Item 3. Legal Proceedings
Item 4. Mine Safety Disclosures

INDEX

Part II

Part III

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities
Item 6. Selected Financial Data
Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations
Item 7A. Quantitative and Qualitative Disclosures about Market Risk
Item 8. Financial Statements and Supplementary Data
Item 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure
Item 9A. Controls and Procedures
Item 9B. Other Information

Item 10. Directors, Executive Officers and Corporate Governance
Item 11. Executive Compensation
Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters
Item 13. Certain Relationships and Related Transactions, and Director Independence
Item 14. Principal Accountant Fees and Services

Part IV  

Item 15. Exhibits and Financial Statement Schedules
Item 16. Form 10-K Summary

Signatures

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ITEM 1.         BUSINESS.

Business Overview

General

PART I

Hanger, Inc. (“we,” “our,” or “us”) is a leading national provider of products and services that assist in enhancing or restoring the physical capabilities
of  patients  with  disabilities  or  injuries,  and  we  and  our  predecessor  companies  have  provided  orthotic  and  prosthetic  (“O&P”)  services  for  nearly
160 years. We provide O&P services, distribute O&P devices and components, manage O&P networks, and provide therapeutic solutions to patients
and businesses in acute, post-acute, and clinic settings. We operate through two segments - Patient Care and Products & Services.

Our Patient Care segment is primarily comprised of Hanger Clinic, which specializes in the design, fabrication, and delivery of custom O&P devices
through 704 patient care clinics and 112 satellite locations in 46 states and the District of Columbia, as of December 31, 2020. We also provide payor
network contracting services to other O&P providers through this segment.

Our  Products  &  Services  segment  is  comprised  of  our  distribution  services  and  therapeutic  solutions  businesses.  As  a  leading  provider  of  O&P
products in the United States, we engage in the distribution of a broad catalog of O&P parts, componentry, and devices to independent O&P providers
nationwide.  The  other  business  in  our  Products  &  Services  segment  is  our  therapeutic  solutions  business,  which  develops  specialized  rehabilitation
technologies and provides evidence-based clinical programs for post-acute rehabilitation to patients at approximately 4,000 skilled nursing and post-
acute providers nationwide.

For the years ended December 31, 2020, 2019, and 2018, our net revenues were $1,001.2 million, $1,098.0 million, and $1,048.8 million, respectively.
We recorded net income of $38.2 million and $27.5 million for the years ended December 31, 2020 and  2019, respectively, and a net loss of $0.9
million for the year ended December 31, 2018.

The following table summarizes the percentage of net revenues derived from each of our two operating segments:

For the Years Ended December 31, 
2019

2020

2018

Patient Care
Products & Services

 83.1 %  
 16.9 %  

 82.5 %  
 17.5 %  

 81.8 %
 18.2 %

See  Note  T  -  “Segment  and  Related  Information”  to  our  consolidated  financial  statements  in  this  Annual  Report  on  Form  10-K  for  additional
information about our segments.

Industry Overview

We estimate that approximately $4.3 billion is spent in the United States each year for prescription-based O&P products and services through O&P
clinics. Orthotic devices, or “orthoses,” are externally applied devices used to modify the structural and functional characteristics of the neuromuscular
and  skeletal  system.  These  devices  typically  are  provided  to  patients  suffering  from  musculoskeletal  disorders,  such  as  ailments  of  the  back,
extremities, or joints; injuries from sports; or conditions such as cerebral palsy, scoliosis, and stroke. Prosthetic devices, or “prostheses,” are artificial
devices that replace a missing limb or portion of a limb. These devices are provided to patients with amputated or congenitally absent limbs to replace
the function and appearance of a limb so that patients can resume activities of daily living and work. The most prevalent causes for amputations are
from complications due to diabetes, trauma associated with accidents, physical injury, or infection.

The industry derives its primary revenue from the evaluation, fabrication, and fitting of custom O&P devices to serve patients needing both new and
replacement  devices.  Additionally,  O&P  clinics  typically  provide  patients  with  other  non-custom  orthotic  products,  diabetic  shoes  and  inserts,  and
support patients through the repair and adjustment of their devices.

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We  believe  our  Patient  Care  segment  currently  accounts  for  approximately  21%  of  the  market,  providing  a  comprehensive  portfolio  of  orthotic,
prosthetic, and post-operative solutions to patients in acute, post-acute, and patient care clinic settings. We estimate that the next largest provider of
O&P services in the United States is the U.S. Department of Veterans Affairs (the “VA”), which operates 79 O&P clinics on behalf of its covered
veteran patients. In addition to serving veterans through their own facilities, in certain markets the VA is also a client of Hanger Clinic. Approximately
9% of Hanger Clinic’s revenue is derived from services provided to veteran patients through contracts with the VA.

The  O&P  patient  care  services  market  in  the  United  States  is  highly  fragmented  and  is  characterized  by  regional  and  local  independent  O&P
businesses operated predominantly by independent operators, but also including two O&P product manufacturers with substantial international patient
care services operations.  We estimate that our top ten competitors have an average of approximately 37 clinics each, with the smallest having 22 and
the  largest  having  69  clinics.  The  remainder  of  the  market  is  served  by  individual  practitioners  and  smaller  regional  or  market-based  firms  with
approximately  twenty  or  fewer  clinics.  Based  on  this,  we  do  not  believe  that  any  single  competitor  accounts  for  2%  or  more  of  the  nation’s  total
estimated O&P clinic revenues.

The  industry  is  characterized  by  stable,  recurring  revenues,  primarily  resulting  from  new  patients  as  well  as  the  need  for  periodic  replacement  and
modification of O&P devices. We anticipate that the demand for O&P services will continue to grow as the nation’s population increases, and as a
result  of  several  trends,  including  the  aging  of  the  U.S.  population,  there  will  be  an  increase  in  the  prevalence  of  disease-related  disability  and  the
demand  for  new  and  advanced  devices.  We  believe  the  typical  replacement  time  for  prosthetic  devices  is  three  to  five  years,  while  the  typical
replacement time for orthotic devices varies, depending on the device.

We estimate that approximately $1.8 billion is spent in the United States each year by providers of O&P patient care services for the O&P products,
components, devices, and supplies used in their businesses.  Our Products & Services segment distributes to independent providers of O&P services.
 We estimate that our distribution sales account for approximately 9% of the market for O&P products, components, devices, and supplies (excluding
sales to our Patient Care segment).

We estimate the market for rehabilitation technologies, integrated clinical programs, and clinician training in skilled nursing facilities (“SNFs”) to be
approximately $150 million annually. We currently provide these products and services to approximately 25% of the estimated 15,000 SNFs located in
the U.S. We estimate the market for rehabilitation technologies, clinical programs, and training within the broader post-acute rehabilitation markets to
be approximately $400 million annually. We do not currently provide a meaningful amount of products and services to this broader market.

Business Strategy

Our goal is to be the provider of choice for patients, referring physicians, and customers seeking products and services that enhance human physical
capabilities.  Our  strategy  is  to  pursue  the  creation  of  an  integrated  therapeutic  solutions  model  that  will  have  a  strong  focus  in  custom  O&P  and
immediately adjacent markets to provide our patients and customers with a spectrum of services that address their individual needs. To foster growth,
we intend to focus on initiatives that will differentiate Hanger from our competitors.

Government-led  health  care  reform  is  driving  significant  changes  to  our  business  environment,  with  focus  on  lowering  health  care  costs  while
improving  patient  outcomes  and  satisfaction.  As  a  result,  our  strategy  is  focused  on  enhancing  the  quality  of  care  to  elevate  patient  satisfaction,
investing in processes and technologies to measure and report on patient outcomes and connectedness, and further increasing our profile with referring
health  care  providers  and  payors.  In  addition,  we  are  committed  to  reducing  the  cost  of  this  care  by  undertaking  several  initiatives  that  include
establishing  device  standards  that  provide  the  highest  function,  durability,  and  comfort  at  the  lowest  cost,  reconfiguring  our  supply  chain  and
fabrication processes, streamlining internal administrative processes, and reducing back-office functions performed within patient care clinics.

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Business Description

Patient Care

Our Patient Care segment employs approximately 1,600 clinical prosthetists, orthotists, and pedorthists, which we refer to as clinicians, substantially
all of which are certified by either the American Board for Certification (“ABC”) or the Board of Certification of Orthotists and Prosthetists, which are
the two boards that certify O&P clinicians. To facilitate timely service to our patients, we also employ technicians, fitters, and other ancillary providers
to assist our clinicians in the performance of their duties. Through this segment, we additionally provide network contracting services to independent
providers of O&P.

Patients are typically referred to Hanger Clinic by an attending physician who determines a patient’s treatment and writes a prescription. Our clinicians
then consult with both the referring physician and the patient with a view toward assisting in the selection of an orthotic or prosthetic device to meet
the patient’s needs. O&P devices are increasingly technologically advanced and custom designed to add functionality and comfort to patients’ lives,
shorten the rehabilitation process, and lower the cost of rehabilitation.

Based on the prescription written by a referring physician, our clinicians examine and evaluate the patient and either design a custom device or, in the
case of certain orthotic needs, utilize a non-custom device, including, in appropriate circumstances, an “off the shelf” device, to address the patient’s
needs. When fabricating a device, our clinicians ascertain the specific requirements, componentry, and measurements necessary for the construction of
the device. Custom devices are constructed using componentry provided by a variety of third party manufacturers that specialize in O&P, coupled with
sockets and other elements that are fabricated by our clinicians and technicians, to meet the individual patient’s physical and ambulatory needs. Our
clinicians and technicians typically utilize castings, electronic scans, and other techniques to fabricate items that are specialized for the patient. After
fabricating the device, a fitting process is undertaken and adjustments are made to ensure the achievement of proper alignment, fit, and patient comfort.
The fitting process often involves several stages to successfully achieve desired functional and cosmetic results.

Given the differing physical weight and size characteristics, location of injury or amputation, capability for physical activity and mobility, cosmetic,
and other needs of each individual patient, each fabricated prosthesis and orthosis is customized for each particular patient. These custom devices are
commonly fabricated at one of our regional or national fabrication facilities.

We  have  earned  a  reputation  within  the  O&P  industry  for  the  development  and  use  of  innovative  technology  in  our  products,  which  has  increased
patient comfort and capability and can significantly enhance the rehabilitation process.  We utilize multiple scanning and imaging technologies in the
fabrication process, depending on the patient’s individual needs, including our proprietary Insignia scanning system.  The Insignia system scans the
patient and produces an accurate computer-generated image, resulting in a faster turnaround for the patient’s device and a more professional overall
experience.

In  recent  years,  we  have  established  a  centralized  revenue  cycle  management  organization  that  assists  our  clinics  in  pre-authorization,  patient
eligibility, denial management, collections, payor audit coordination, and other accounts receivable processes.

The principal reimbursement sources for our services are:

● Commercial  private  payors  and  other  non-governmental  organizations,  which  consist  of  individuals,  rehabilitation  providers,  commercial
insurance  companies,  health  maintenance  organizations  (“HMOs”),  preferred  provider  organizations  (“PPOs”),  hospitals,  vocational
rehabilitation centers, workers’ compensation programs, third party administrators, and similar sources;

● Medicare, a federally funded health insurance program providing health insurance coverage for persons aged 65 or older and certain persons

with disabilities;

● Medicaid,  a  health  insurance  program  jointly  funded  by  federal  and  state  governments  providing  health  insurance  coverage  for  certain
persons  requiring  financial  assistance,  regardless  of  age,  which  may  supplement  Medicare  benefits  for  persons  aged  65  or  older  requiring
financial assistance; and

●

the VA.

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We typically enter into contracts with third party payors that allow us to perform  O&P services  for a referred  patient  and to be reimbursed for our
services.  These  contracts  usually  have  a  stated  term  of  one  to  three  years  and  generally  may  be  terminated  without  cause  by  either  party  on  60  to
90  days’  notice,  or  on  30  days’  notice  if  we  have  not  complied  with  certain  licensing,  certification,  program  standards,  Medicare  or  Medicaid
requirements, or other regulatory requirements. Reimbursement for services is typically based on a fee schedule negotiated with the third party payor
that  reflects  various  factors,  including  market  conditions,  geographic  area,  and  number  of  persons  covered.  Many  of  our  commercial  contracts  are
indexed to the commensurate Medicare fee schedule that relates to the products or services being provided.

Government reimbursement, comprised of Medicare, Medicaid, and the VA, in the aggregate, accounted for approximately, 57.7%, 57.5%, and 56.5%
of our net revenue in 2020, 2019, and 2018, respectively. These payors set maximum reimbursement levels for O&P services and products. Medicare
prices are adjusted each year based on the Consumer Price Index for All Urban Consumers (“CPI-U”) unless Congress acts to change or eliminate the
adjustment.  The  CPI-U  is  adjusted  further  by  an  efficiency  factor  known  as  the  “Productivity  Adjustment”  or  the  “Multi-Factor  Productivity
Adjustment” in order to determine the final rate adjustment each year. The Medicare price adjustments for 2021, 2020, 2019, and 2018 were 0. 2%,
0.9%, 2.3%, and 1.1%, respectively. There can be no assurance that future adjustments will not reduce reimbursements for O&P services and products
from these sources.

We,  and  the  O&P  industry  in  general,  are  subject  to  various  Medicare  compliance  audits,  including  Recovery  Audit  Contractor  (“RAC”)  audits,
Comprehensive  Error  Rate  Testing  (“CERT”)  audits,  Targeted  Probe  and  Educate  (“TPE”)  audits,  Supplemental  Medical  Review  Contractor
(“SMRC”) audits, and Unified Program Integrity Contractor (“UPIC”) audits.  TPE audits are generally pre-payment audits, while RAC, CERT, and
SMRC audits are generally post-payment audits.  UPIC audits can be both pre- or post-payment audits, with a majority currently pre-payment.  TPE
audits  replaced  the  previous  Medicare  Administrative  Contractor  audits.    Adverse  post-payment  audit  determinations  generally  require  Hanger  to
reimburse  Medicare  for  payments  previously  made,  while  adverse  pre-payment  audit  determinations  generally  result  in  the  denial  of  payment.    In
either case, we can request a redetermination or appeal, if we believe the adverse determination is unwarranted, which can take an extensive period of
time to resolve, currently up to six years or more.

Products & Services

Through  our  wholly-owned  subsidiary,  Southern  Prosthetic  Supply,  Inc.  (“SPS”),  we  distribute  O&P  components  to  independent  O&P  clinics  and
other customers. Through our wholly-owned subsidiary, Accelerated Care Plus Corp. (“ACP”), our therapeutic solutions business is a leading provider
of rehabilitation  technologies and integrated clinical programs to skilled nursing and post-acute rehabilitation providers. Our value proposition is to
provide our customers with a full-service “total solutions” approach encompassing proven medical technology, evidence-based clinical programs, and
ongoing consultative education and training. Our services support increasingly advanced treatment options for a broader patient population and more
medically  complex  conditions.  We  currently  serve  approximately  4,000  skilled  nursing  and  post-acute  providers  nationwide.  Through  our  SureFit
subsidiary, we also manufacture  and sell therapeutic  footwear for diabetic  patients  in the podiatric  market.  We also operate  the Hanger Fabrication
Network, which fabricates custom O&P devices for our patient care clinics, as well as for independent O&P clinics.

Through  our  internal  “supply  chain”  organization,  we  purchase,  warehouse,  and  distribute  over  475,000  SKUs  from  more  than  300  different
manufacturers  through  SPS or  directly  to  our  own clinics  within  our  Patient  Care  segment.    Our  warehousing  and  distribution  facilities  in  Nevada,
Georgia,  Illinois,  and  Texas  provide  us  with  the  ability  to  deliver  products  to  the  vast  majority  of  our  customers  in  the  United  States  within  two
business days.  The distribution facility we formerly operated in Pennsylvania ceased operations in September 2020.

Our supply chain organization enables us to:

●

●

●

●

centralize our purchasing and thus lower our material costs by negotiating purchasing discounts from manufacturers;

better manage our patient care clinic inventory levels and improve inventory turns;

improve inventory quality control;

encourage our patient care clinics to use the most clinically appropriate products; and

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coordinate new product development efforts with key vendors.

Effects of the COVID-19 Pandemic

Beginning in the last two weeks of March 2020, our business volumes began to be adversely affected by the COVID-19 pandemic.  As federal, state,
and local authorities implemented social distancing and suppression measures to respond to an increasing number of nationwide COVID-19 infections,
we  experienced  a  decrease  in  our  patient  appointments  and  general  business  volumes.    In  response,  during  the  last  week  of  March  2020,  we  made
certain changes to our operations, implemented a broad number of cost reduction measures, and delayed certain capital investment projects.  Although
our business volumes have shown gradual improvement from their initial significant decline, the adverse impact of the COVID-19 pandemic on our
business continued into the fourth quarter of 2020 and beyond.  These volume effects, our operating responses, and the effects of COVID-19 on our
financial condition are discussed in Item 1A. “Risk Factors,” Item 7. “Management’s Discussion and Analysis of Financial Condition and Results of
Operations,” and the “Financial Condition, Liquidity and Capital Resources” sections below.

Competition

The business of providing O&P patient care services is highly competitive in the markets in which we operate. In the prosthetic business, we compete
with regional and local O&P providers for referrals from physicians, therapists, employers, HMOs, PPOs, hospitals, rehabilitation centers, out-patient
clinics, and insurance companies on both a local and regional  basis. In the orthotic business, we compete  with other patient care service providers,
including  device  manufacturers  that  have  independent  sales  forces,  on  the  basis  of  quality  and  timeliness  of  patient  care,  location  of  patient  care
clinics, and pricing for services. Additionally, two international O&P product manufacturers each own regional and local O&P patient care services
business in the United States.

Although we serve a significant portion of the O&P patient care market, referral decisions made by surgeons, physicians, and other medical providers
are generally made on a local basis, based on their individual evaluation of the relative quality of care provided by us and our local market competitors.
Therefore, our national scale may not provide a competitive advantage in any particular market in which we operate.

We also compete with regional and local O&P providers for the retention and recruitment of qualified O&P clinicians. In some markets, the demand
for clinicians exceeds the supply of qualified persons.

Our  Products  &  Services  segment  competes  with  other  distributors,  manufacturers  that  sell  their  products  directly,  and  providers  of  equipment  and
services on a regional and national basis that have similar sales forces and products. Some of our distributor competitors are also dedicated to the O&P
industry, but many others are large medical product distributors who also distribute O&P products, particularly orthotic products.

Competitive Strengths

We believe that the combination of the following competitive strengths will help us to grow our businesses by increasing our net revenues, net income
and market share:

●

Leading market position in both the O&P market place and the post-acute rehabilitation markets;

● National scale of operations, which better enables us to:

●

●

●

establish our brand name and generate economies of scale;

identify and implement best practices throughout our organization;

consistently  apply  the  rigorous  claims  documentation  standards  required  for  reimbursement  and  facilitate  reimbursement  through  a
revenue cycle management organization;

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collect, aggregate, and publish our statistically significant clinical outcomes and patient satisfaction data and metrics;

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offer a single network solution to national and regional shared fabrication facilities;

identify, test, and deploy emerging technology; and

increase our influence on, and input into, regulatory trends;

● Distribution of, and purchasing power for, O&P components and finished O&P products, which better enables us to:

●

negotiate greater volume-based purchasing discounts from manufacturers and freight providers;

● manage Hanger Clinic inventory levels on a national scale through centralized purchasing controls;

●

●

access prefabricated and finished O&P products;

promote the usage by our patient care clinics of products that have met or exceeded Hanger Clinic standards of quality and patient care
that also expand our profit margins; and

●

expand the external client base of the distribution business in our Products & Services segment;

●

Proven ability to rapidly incorporate technological advances in the fitting and fabrication of O&P devices;

● History  of  integrating  small  and  medium  sized  O&P  business  acquisitions,  including  152  O&P  businesses  between  1997  and  2020,

representing over 400 patient care clinics;

● Highly trained clinicians, with whom we provide the highest level of continuing education and training through programs designed to inform

them of the latest technological developments in the O&P industry;

●

Experienced and committed management team; and

● Beneficial  government  relations  efforts,  which  enable  us  to  educate  legislators  on  the  medical  benefits  and  cost  effectiveness  of  O&P

services.

Suppliers

We purchase prefabricated O&P devices, components, and materials from hundreds of suppliers across the country, which are utilized by our clinicians
and technicians in the fabrication of O&P products.  These devices, components, and materials are used in the products we offer in our patient care
clinics throughout the United States.  As of December 31, 2020, one supplier accounted for 10% or more of our annual purchases, with 15.9% of our
annual purchases by dollar amount in 2020.

Sales and Marketing

In our Patient Care segment, our individual clinicians in local patient care clinics historically have conducted our sales and marketing efforts, primarily
through their interaction with and provision of prosthetic or orthotic services to the patients of referring surgeons, physicians, and other providers.  Due
primarily to the fragmented nature of the O&P industry, the success of a particular patient care clinic has been largely a function of its local reputation
for quality of care, responsiveness, and length of service in the local communities.

To augment the efforts of the business segment personnel, we have developed a centralized sales and marketing department whose efforts target the
following:

● Marketing and Public Relations. Our objective is to increase the visibility of the “Hanger” brand by building relationships with major referral

sources. We also continue to explore creating alliances with certain vendors to market products and services on a nationwide basis.

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Business Development. We have dedicated personnel in most of our operating regions who are responsible for arranging seminars, clinics,
and  forums  to  educate  and  consult  with  patients  and  to  increase  the  local  community’s  awareness  of  the  “Hanger”  brand.  These  business
development managers also meet with local referral and contract sources to help our clinicians develop new relationships in their markets.

We additionally provide certain insurance contract access and administrative services to independent O&P providers through our specialty health care
company, Linkia.

Marketing of our services is conducted on a national basis through a dedicated sales force, print and e-commerce catalogs, and exhibits at industry and
medical meetings and conventions. We use directed marketing to segments of the health care industry, such as orthopedic surgeons, vascular surgeons,
physical and occupational therapists, patient care managers, and podiatrists, by providing specialized catalogs focused on their medical specialty.

In  our  Products  &  Services  segment,  we  employ  dedicated  sales  professionals  that  call  on  independent  O&P  providers,  as  well  as  SNFs,  and  are
generally responsible for a geographic region or a specific product line.

Acquisition Strategy

Our  strategy  is  to  achieve  long-term  growth  through  disciplined  diversification  of  our  revenue  streams,  including  geographic  expansion  or  the
broadening of our continuum of care through the acquisitions of high quality O&P providers.  Despite our national size, we are underrepresented in
certain regional and local markets, and as such, one of the primary drivers in executing our acquisition strategy is expanding our ability to serve new
patients  in  new  geographic  markets.  Acquisitions  in  our  markets  can  be  competitive  because  we  often  compete  with  multiple  potential  buyers,
including two international O&P product manufacturers who have each entered the U.S. patient care market.

Once  an  acquisition  is  consummated,  we  integrate  and  generally  centralize  certain  key  functions  including  IT,  marketing,  sales,  finance,  and
administration to ensure that we can optimize cross-selling opportunities and realize cost efficiencies.

In certain of our historical acquisitions, in addition to cash paid at closing, the purchase price has included unsecured subordinated promissory notes
(“Seller  Notes”)  and  contingent  consideration  terms  (“earnouts”)  associated  with  the  achievement  of  certain  designated  collection  targets  for  the
acquired  business.  Earnouts  can  be  used  to  compromise  between  our  valuation  and  seller’s  expectations  regarding  purchase  price,  while  providing
protection from our overpayment if historical collections are not an accurate indicator of post-closing financial performance of the acquired business.
Currently, there are no outstanding earnouts related to our historical acquisitions.

Our  evaluation  of  the  acquired  business  is  based  on  various  factors,  including  specialized  know-how,  reputation,  geographic  coverage,  competitive
position, and service and product offerings, as well as our experience and judgment.

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Acquisition Activity

During 2020, we completed the following acquisitions of O&P clinics, none of which were individually material to our financial position, results of
operations, or cash flows:

●

In the second quarter of 2020, we acquired all of the outstanding equity interests of an O&P business for total consideration of $46.2 million
at fair value, of which $16.8 million was cash consideration, net of cash acquired, $21.9 million was issued in the form of notes to the former
shareholders,  $3.5  million  in  the  form  of  a  deferred  payment  obligation  to  the  former  shareholders,  and  $4.0  million  in  additional
consideration.  Of the $21.9 million in notes issued to the former shareholders, approximately $18.1 million of the notes were paid in October
2020 in a lump sum payment and the remaining $3.8 million of the notes are payable in annual installments over a period of three years on
the anniversary date of the acquisition.  Total payments of $4.0 million under the deferred payment obligation are due in annual installments
beginning in the fourth year following the acquisition and for three years thereafter.  Additional consideration includes approximately $3.6
million  in  liabilities  incurred  to  the  shareholders  as  part  of  the  business  combination  payable  in  October  2020  and  is  included  in  Accrued
expenses  and  other  liabilities  in  the  consolidated  balance  sheet.    The  remaining  $0.4  million  in  additional  consideration  represents  the
effective settlement of amounts due to us from the acquired O&P business as of the acquisition date.  We completed the acquisition with the
intention of expanding the geographic footprint of our patient care offerings through the acquisition of this high quality O&P provider.

●

In  the  fourth  quarter  of  2020,  we  completed  the  acquisitions  of  all  the  outstanding  equity  interests  of  four  O&P  businesses  for  total
consideration of $7.1 million, of which $4.9 million was cash consideration, net of cash acquired, $1.9 million was issued in the form of notes
to shareholders at fair value, and $0.3 million in additional consideration.

During 2019, we completed the following acquisitions of O&P clinics, none of which were individually material to our financial position, results of
operations, or cash flows:

●

●

●

●

In the first quarter of 2019, we completed the acquisition of all the outstanding equity interests of an O&P business for total consideration of
$32.8  million,  of  which  $27.7  million  was  cash  consideration,  net  of  cash  acquired,  $4.4  million  was  issued  in  the  form  of  notes  to
shareholders at fair value, and $0.7 million in additional consideration.

In the second quarter of 2019, we completed the acquisition of all the outstanding equity interests of an O&P business for total consideration
of  $0.5  million,  of  which  $0.2  million  was  cash  consideration,  net  of  cash  acquired,  and  $0.3  million  was  issued  in  the  form  of  notes  to
shareholders at fair value.

In the third quarter of 2019, we completed the acquisition of all the outstanding equity interests of one O&P business and acquired the assets
of another O&P business for total consideration of $3.3 million, of which $3.0 million was cash consideration, net of cash acquired, and $0.3
million was issued in the form of notes to shareholders at fair value.

In the fourth quarter of 2019, we completed the acquisition of all the outstanding equity interests of one O&P business and acquired the assets
of another O&P business for total consideration of $7.8 million, of which $5.0 million was cash consideration, net of cash acquired, and $2.8
million was issued in the form of notes to shareholders at fair value.

Acquisition-related costs are included in general and administrative expenses in our consolidated statements of operations. Total acquisition-related
costs incurred during the years ended December 31, 2020 and 2019 were $0.9 million and $1.5 million, respectively, which includes those costs for
transactions that are in progress or not completed during the respective period. Acquisition-related  costs incurred for acquisitions completed during
the years ended December 31, 2020 and 2019 were $0.6 million and $1.0 million , respectively.

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Government Regulation

The  operations  of  our  business  are  subject  to  a  variety  of  federal,  state,  and  local  governmental  regulations.  We  make  compliance  with  applicable
regulations  a  corporate  priority  through,  among  other  things,  our  compliance  programs,  policies  and  procedures,  manuals,  and  personnel  training.
Despite  these  efforts,  we  cannot  provide  assurance  that  we  will  be  in  absolute  compliance  with  all  regulations  at  all  times.  Failure  to  comply  with
applicable governmental regulations may result in significant penalties, including exclusion from the Medicare and Medicaid programs, which would
have a material adverse effect on our business and financial results.

Fraud and Abuse. Violations of fraud and abuse laws are punishable by criminal and/or civil sanctions, including, in some instances, False Claims Act
liability (discussed below), imprisonment, and exclusion from participation in federal health care programs, including Medicare, Medicaid, VA health
programs,  and  the  Department  of  Defense’s  TRICARE program,  formerly  known  as  CHAMPUS. These  laws,  which  include  but  are  not  limited  to
federal and state anti-kickback laws, false claims laws, physician self-referral laws, and federal criminal health care fraud laws, are discussed in further
detail  below. We believe  our billing  practices,  operations,  and compensation  and financial  arrangements  with referral  sources  and others  materially
comply  with  applicable  federal  and  state  requirements.  However,  we  cannot  assure  that  such  requirements  will  always  be  interpreted  by  a
governmental authority in a manner consistent with our interpretation and application. The failure to comply with any of these requirements, even if
inadvertent, could require us to alter our operations with and/or refund payments to the governmental authority. Such refunds could be significant and
could also lead to the imposition of significant penalties. Even if we successfully defend against any action against us for violation of these laws or
regulations, we would likely be forced to incur significant legal expenses and divert our management’s attention from the operation of our business.
Any of these actions, individually or in the aggregate, could have a material adverse effect on our business and financial results.

Anti-Kickback Laws. Our operations are subject to federal and state anti-kickback laws.  The federal Anti-Kickback Statute (Section 1128B(b) of the
Social Security Act) prohibits persons or entities from knowingly and willfully soliciting, offering, receiving, or paying any remuneration in any form
(including any kickback, bribe, or rebate) directly or indirectly, overtly or covertly, in cash or in kind in return for, or to induce, the referral of persons
eligible  for benefits  under a  federal  health  care  program  (including  Medicare,  Medicaid,  the  VA health  programs,  and TRICARE), or the  ordering,
purchasing, leasing, or arranging for, or the recommendation of purchasing, leasing, or ordering of, items or services that may be paid for, in whole or
in part, by a federal health care program.  Courts have held that the statute may be violated when even one purpose (as opposed to a primary or sole
purpose) of the remuneration is to induce referrals or other business.

Recognizing that the Anti-Kickback Statute is broad and may technically prohibit beneficial commercial arrangements, the Office of Inspector General
of the Department of Health and Human Services has developed regulations addressing certain business arrangements that will offer protection from
scrutiny under the Anti-Kickback Statute. These “Safe Harbors” describe activities which may be protected from prosecution under the Anti-Kickback
Statute, provided that they meet all of the requirements of the applicable Safe Harbor regulation. For example, the Safe Harbors cover activities such as
offering discounts to health care providers and contracting with physicians or other individuals or entities that have the potential to refer business to us
that would ultimately be billed to a federal health care program, so long as the discount is properly disclosed and appropriately reflected in any claims
or charges.

Failure to qualify for Safe Harbor protection does not mean that an arrangement is illegal. Rather, the facts and circumstances of the arrangement must
be analyzed to determine whether there is improper intent to pay or receive remuneration in return for referrals. Conduct and business arrangements
that do not fully satisfy one of the Safe Harbors may result in increased scrutiny by government enforcement authorities. In addition, some states have
anti-kickback laws that vary in scope, and may apply regardless of whether a federal health care program is involved.

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Our operations and business arrangements include, for example, discount programs or other financial arrangements with individuals and entities, such
as lease arrangements with hospitals and certain participation agreements. Therefore, our operations and business arrangements are required to comply
with the anti-kickback  laws. Although our business arrangements  and operations  may not always satisfy  all  the criteria  of a Safe Harbor, we make
compliance with federal and state anti-kickback statutes a corporate priority. Nonetheless, we cannot assure that the government’s interpretation of a
Safe  Harbor  provision  will  always  be  consistent  with  our  own,  and  our  arrangements  may  be  subject  to  scrutiny  under  anti-kickback  laws.
Noncompliance with such laws can result in a number of enforcement actions, including the imposition of civil monetary penalties and exclusion from
federal health care programs.

In addition, some states have anti-kickback laws that vary in scope, and may apply regardless of whether a federal health care program is involved.
 State  anti-kickback  laws  may  extend  similar  anti-kickback  prohibitions  to  other  payors,  including  commercial  payors,  and  these  state  laws  do  not
always contain the same safe harbors as the federal regulatory scheme.

Medical Device Regulation. We provide, distribute, and lease products that are subject to regulation as medical devices by the U.S. Food and Drug
Administration (“FDA”) under the Federal Food, Drug and Cosmetic Act (“FDCA”) and accompanying regulations. In our Patient Care segment, with
the exception of two products which have been cleared for marketing as prescription medical devices under section 510(k) of the FDCA, we believe
that the products we provide, including O&P medical devices, accessories, and components, are not Class III devices and thus are exempt from the
FDA’s regulations for pre-market clearance or approval requirements and from most requirements relating to the quality system regulation (except for
certain record keeping and complaint handling requirements). In our Products & Services segment, ACP manufactures, leases, and sells a number of
rehabilitation devices that have been cleared or approved for marketing under section 510(k) of the FDCA, and are subject to the requirements of the
quality system regulation.  All of our device businesses are required  to adhere to regulations  for medical  devices regarding  adverse event reporting,
establishment registration, and product listing, and we are subject to inspection by the FDA for compliance with all applicable requirements. Labeling
and  promotional  materials  also  are  subject  to  scrutiny  by  the  FDA  and,  in  certain  circumstances,  by  the  Federal  Trade  Commission.  Our  medical
device  operations  are  subject  to  inspection  by  the  FDA  for  compliance  with  applicable  FDA  requirements,  and  the  FDA  has  in  the  past  raised
compliance  concerns  in  connection  with  these  investigations.  We  make  compliance  with  applicable  FDA  requirements  a  corporate  priority,  but  we
cannot  assure  that  we will  be found to  be in compliance  at all  times.  Noncompliance  could  result  in a variety  of civil  and/or  criminal  enforcement
actions, including issuance of a Warning Letter, seizure, examination, and inspection of our products and a civil injunction or criminal prosecution,
which could have a material adverse effect on our business and results of operations.

Physician  Self-Referral  Laws.  We  are  also  subject  to  federal  and  state  physician  self-referral  laws.  With  certain  exceptions,  the  federal  Medicare
physician self-referral law (the “Stark Law”) (Section 1877 of the Social Security Act) prohibits a physician from referring Medicare beneficiaries to
an entity for “designated health services” including durable medical equipment and supplies, and prosthetic and orthotic devices and supplies, if the
physician or the physician’s immediate family member has a financial relationship with the entity. A financial relationship includes both ownership or
investment  interests  and  compensation  arrangements.  An  entity  that  furnishes  designated  health  services  pursuant  to  a  prohibited  referral  may  not
present or cause to be presented a claim or bill for such designated health services. Penalties for violating the Stark Law include denial of payment for
the service, an obligation to refund any payments received, civil monetary penalties, potential False Claims Act litigation, and the possibility of being
excluded from the Medicare or Medicaid programs.

Despite the general prohibition on such physician financial relationships, the Stark Law and regulations promulgated by the Centers for Medicare &
Medicaid services provide a number of exceptions from the prohibitions.

With  respect  to  compensation  arrangements,  there  are  exceptions  under  the  Stark  Law  that  permit  physicians  to  maintain  certain  business
arrangements, such as personal service contracts and equipment or space leases, with health care entities to which they refer patients for designated
health  services.   All of  the  elements  of  a  Stark Law exception  must  be  met  in  order  for  the  exception  to  apply.   Further,  unlike  the  Anti-Kickback
Statute,  under  the  Stark  Law,  billing  prohibitions  can  result  without  specific  intent  to  induce  referrals.    We  strive  to  assure  that  our  compensation
arrangements  with  physicians  comply  with  the  Stark  Law,  either  because  the  physician’s  relationship  fits  fully  within  a  Stark  Law  exception  or
because  the  physician  does  not  generate  prohibited  referrals.    If,  however,  we  receive  a  prohibited  referral,  our  submission  of  a  bill  for  services
rendered  pursuant to such a referral  could subject  us to the  prohibitions  under the Stark Law and applicable  state  self-referral  laws, including  false
claims liability, potential exclusion, and imposition of civil monetary penalties.  State self-referral laws may extend the prohibitions of the Stark Law
to  Medicaid  beneficiaries,  and  there  are  some  indications  that  the  federal  government  may  similarly  expand  the  reach  of  the  law,  including  certain
adverse court decisions, to which we were not a party.

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False  Claims  Laws.  We  are  also  subject  to  federal  and  state  laws  prohibiting  individuals  or  entities  from  knowingly  presenting,  or  causing  to  be
presented,  claims  for  payment  to  third  party  payors  (including  Medicare  and  Medicaid)  that  are  false  or  fraudulent,  are  for  items  or  services  not
provided  as  claimed,  or  otherwise  contain  misleading  information.  Our  revenue  cycle  management  function  is  responsible  for  the  preparation  of
documents for the submission of reimbursement claims to third party payors for items and services furnished to patients. In addition, our personnel
may, in some instances, provide advice on billing and reimbursement to purchasers of our products. Also, prosecutors and so-called “qui tam” relators
(whistleblowers) may claim that a regulatory violation or wrongfully-retained overpayment may be the basis of False Claims Act litigation. Successful
relators can receive a share of the recovery in a False Claims Act case ranging from 15% to 30%, depending on whether the government “intervenes”
in  the  case.  Penalties  in  a  False  Claims  Act  case  may  include  double  or  triple  damages  plus  penalties  ranging  from  $11,665  to  $23,331  per  claim.
While we endeavor to assure that our billing practices comply with applicable laws, if claims submitted to payors are deemed to be false, fraudulent, or
for items or services not provided as claimed, we may face liability for presenting or causing to be presented such claims.

Certification and Licensure. Our clinicians and/or certain operating units may be subject to certification or licensure requirements under the laws of
some  states.  Most  states  do  not  require  separate  licensure  for  clinicians.  However,  several  states  currently  require  clinicians  to  be  certified  by  an
organization  such  as  the  ABC.  The  ABC  conducts  a  certification  program  for  clinicians  and  an  accreditation  program  for  patient  care  clinics.  The
minimum requirements for new certified clinicians are a college degree, completion of an accredited master’s degree program, residency at a patient
care  clinic  under  the  supervision  of  a  certified  clinician,  and  successful  completion  of  certain  examinations.  Certified  clinicians  are  required  to
participate in a prescribed number of hours of specialized continuing education courses to maintain their certifications. Minimum requirements for an
accredited patient care clinic include the presence of a certified clinician and specific site and equipment requirements.

While we make compliance with state licensure requirements a corporate priority, we cannot assure that we will be in compliance at all times with
these requirements,  or how they may be interpreted  or re-interpreted  by the various state and local agencies.  Failure to comply with state licensure
requirements  could  result  in  suspension  or  termination  of  licensure,  civil  penalties,  termination  of  our  Medicare  and  Medicaid  agreements,  and
repayment of amounts received from Medicare and Medicaid for services and supplies furnished by an unlicensed individual or entity.

Confidentiality  and  Privacy  Laws.  The  Administrative  Simplification  Provisions  of  the  Health  Insurance  Portability  and  Accountability  Act
(“HIPAA”), and their implementing regulations, set forth privacy standards and implementation  specifications concerning the use and disclosure of
individually identifiable health information (referred to as “protected health information”) by health plans, health care clearinghouses, and health care
providers that transmit health information electronically in connection with certain standard transactions (“Covered Entities”). HIPAA further requires
Covered Entities to protect the confidentiality of protected health information by meeting certain security standards and implementation specifications.
In  addition,  under  HIPAA,  Covered  Entities  that  electronically  transmit  certain  administrative  and  financial  transactions  must  utilize  standardized
formats and data elements. HIPAA imposes civil monetary penalties for noncompliance, and criminal penalties for knowing violations of the privacy
standards;  violations  of  such  standards  committed  under  false  pretenses;  or  with  the  intent  to  sell,  transfer,  or  use  protected  health  information  for
commercial advantage. Certain agents of Covered Entities (“business associates”) also have HIPAA responsibilities and liabilities. We have business
associates  and  are  business  associates  to  other  Covered  Entities.  We  believe  that  we  are  subject  to  the  Administrative  Simplification  Provisions  of
HIPAA  and  have  made  it  a  corporate  priority  to  meet  applicable  standards  and  implementation  specifications.  The  new  requirements  have  had  a
significant effect on the manner in which we handle health data and communicate with payors.

In addition, state confidentiality and privacy laws may impose civil and/or criminal penalties for certain unauthorized or other uses or disclosures of
protected  health  information.  We  are  also  subject  to  these  laws.  While  we  endeavor  to  assure  that  our  operations  comply  with  applicable  laws
governing the confidentiality and privacy of protected health information, we could face liability in the event of a use or disclosure of protected health
information in violation of one or more of these laws.

Human Capital Management

Hanger is a company of people serving people, with the collective purpose of empowering human potential together. We believe the exceptional talent
and clinical focus of our clinicians, as well as the strength of our overall workforce, have significantly contributed to our success as a leading provider
of O&P products and services. Our values include Integrity, Patient-Focused, Outcomes, Collaboration, and Innovation. Our Hanger vision, culture,
and values, taken together, provide a roadmap for the employee profile we seek.

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As  an  essential  business  that  enables  human  mobility  through  our  patient  care  services,  we  have  continued  to  operate  our  business  throughout  the
period impacted by the COVID-19 pandemic. We have taken measures to promote employee safety and minimize virus transmission in order to help
our employees and clinicians continue to lead safe and productive lives during the outbreak, including expanded procedures in our O&P clinics and
operational locations related to personal safety, cleaning and medical screening measures and remote working arrangements. For additional discussion
surrounding the impact of the COVID-19 pandemic, please refer to the “Effects of the COVID-19 Pandemic” section of this document.

Our  Board  of  Directors  and  its  committees  receive  regular  updates  about  our  performance  from  our  senior  management  team,  including:  talent
acquisition,  development,  and  performance  management,  including  hiring,  promotion  and  leadership  data;  diversity  and  inclusion  (“D&I”)  metrics
with respect to representation, hiring and leadership; and total rewards data based on compensation studies and market data.

Talent Acquisition, Development & Performance Management

Attracting  and  developing  talented  employees  devoted  to  patient  care  is  core  to  the  success  we  have  enjoyed  for  nearly  160  years.  Many  of  our
employees are patient-facing clinical talent, who are driven by a desire to serve their patients. Our position as a leading provider in the O&P industry,
combined with the depth of expertise across our organization, offers a unique value proposition for our network of clinicians. We have assembled a
dedicated workforce of clinical talent and expertise, which serves as a vast network within which our O&P professionals are able to collaborate across
the  nation.  Our  industry  luminaries  share  experiences  and  advice  freely  across  the  country,  through  hands-on  training  at  our  annual  Hanger  LIVE
education and business meeting, through virtual and live workshops, and personal consults across the country.

We invest in talent development programs for our employees with annual training events held for clinical talent, as well as virtual training programs
for  clinical  and  support  staff.  Hanger  LIVE  is  an  annual  event  offering  over  100  training  sessions  on  topics  ranging  from  clinical  outcomes,  best
practices and resources, leadership skills, and the latest in O&P technology. Historically, this event has been offered onsite for approximately 1,500
attendees, including employees and exhibitors. In 2021, we held our first virtual Hanger LIVE event, enabling all our employees to participate in the
various business and clinical education sessions.

With approximately two million patient encounters per year, we have a built-in feedback loop to indicate how our development efforts improve patient
outcomes.  Internally, and through external partnerships, we strive for innovation in patient care through technology, research, and training.  We focus
on delivering  value-based  outcomes for our patients  and provide our clinicians  with the tools and information  to make evidence-based  decisions in
today’s healthcare environment.  To that end, we have published multiple research studies to share our clinical findings with our approximately 1,600
clinicians and the broader O&P community at large to educate, inform, and better prepare them to serve patients utilizing the best available scientific
evidence, clinical techniques, and recommendations.

We focus on the attraction and retention of all employees.  We grow our talent base through organic hiring, acquisition of patient care clinics, and our
clinical residency program.  We hire approximately 60 to 70 residents per year and offer a formal training program supported by our extensive clinical
expertise with approximately 1,600 clinical providers in 46 states and the District of Columbia.  Residents have the opportunity to relocate to any of
our 816 patient care clinics across the nation. Given the nationwide reach and diversity of patients served, clinicians have the ability to specialize in
different areas of O&P based on their interests, as well as have the opportunity to work with some of the best clinicians in their areas of expertise at
Hanger.

Diversity and Inclusion

Diversity and Inclusion are core tenets of our corporate culture, one that embraces a diverse workforce and the realization of the critical role it plays in
our  success.    Hanger  strives  to  build  a  culture  of  diversity  and  inclusion  through  its  human  resource  practices  and  policies  and  actively  works  to
eliminate discrimination and harassment.  Our commitment to diversity and inclusion begins with our Board of Directors and executive officers, with
over 50% and 40%, respectively,  identifying  as female  or as a person of color.  Through our ongoing investments  in expanding diversity,  we have
increased  the  amount  of  female  representation  in  incoming  resident  classes  to  over  50%,  which  we  believe  is  an  important  first  step  in  advancing
underrepresented demographics in the O&P industry.  We are also investing in developing our female, racial and ethnic minority team members as part
of our succession planning efforts to increase diversity in leadership positions.

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We foster a culture of diversity and inclusion through our sponsorship of programs such as affinity groups that include Women in Leadership, Hanger
Disability Awareness Network, Hanger Veterans Network, Hanger LGBTQ Network, and PAUSE (People Aligned United to Serve Everyone).  We
have  instituted  a  Diversity  and  Inclusion  Council,  consisting  of  twelve  employees,  and  chaired  by  our  Chief  Executive  Officer,  which  identifies
specific  actions  we  can  take  to  increase  diversity  and  foster  inclusion  at  Hanger  and,  more  broadly,  in  the  O&P  profession.    We  have  instituted  a
Diversity and Inclusion Pledge with specific actions to accelerate and elevate our own efforts and invited O&P industry peers and partners to join us in
this charge.  We have a D&I Ambassadors program open to all employees who are interested in sharing ideas and getting involved in this movement.
Our Chief Human Resources Officer is responsible for developing and integrating our D&I Plans throughout the Company.

Total Rewards

Our  pay  strategy  includes  an  emphasis  on  performance,  factors  of  role,  individual  skills  and  abilities,  alignment  with  external  shareholders,  and
competitive offerings in markets in which we compete for talent.  We continue to invest in our workforce through competitive salaries and incentive
programs  aimed  at  short-term  and  long-term  performance.    Our  health  and  welfare  benefits  include  medical,  dental,  vision,  life  and  disability
insurance,  and  prescription  drug  benefits.    We  offer  health  savings  accounts,  flexible  spending  accounts,  access  to  financial  planners,  a  retirement
savings plan with company match, telemedicine, and various paid time off programs, including pay for time spent volunteering or on military duty.
 We have launched a wellness program designed to promote holistic well-being across eight dimensions: physical, financial, occupational, spiritual,
emotional, social, intellectual, and environmental, and are in the process of implementing a wellness portal that will be personalized to reflect each
employee’s specific health and welfare interests.

Employees

As of December 31, 2020, we employed approximately 4,700 people.

Insurance

We  currently  maintain  insurance  coverage  for  professional  liability,  product  liability,  general  liability,  directors’  and  officers’  liability,  workers’
compensation,  executive  protection,  property  damage,  and  other  lines  of  insurance.  Our  general  liability  insurance  coverage  is  $1.0  million  per
occurrence,  with a $25.0 million  umbrella  insurance  policy.  The coverage  for  professional  liability,  product liability,  and workers’  compensation  is
self-insured  with  both  individual  specific  claim  and  aggregate  stop-loss  policies  to  protect  us  from  either  significant  individual  claims  or  dramatic
changes in our loss experience. Based on our experience and prevailing industry practices, we believe our coverage is adequate as to risks and amount.

Our Website

Our  website  is  http://www.hanger.com.  We  make  available  free  of  charge,  on  or  through  our  website,  our  Annual  Report  on  Form  10-K,  Current
Reports on Form 8-K, Section 16 filings (i.e., Forms 3, 4, and 5), proxy statements, and other documents as required by applicable law and regulations
as  soon  as  reasonably  practicable  after  electronically  filing  such  reports  with  the  U.S.  Securities  and  Exchange  Commission  (“SEC”).  The  SEC
maintains an Internet site (http://www.sec.gov) that contains reports, proxy and information statements, and other information regarding issuers that
file electronically with the SEC. Our website also contains the charters of the Audit Committee, Corporate Governance and Nominating Committee,
Compensation Committee, and Quality, and Compliance Committee of our Board of Directors; our Code of Business Conduct and Ethics for Directors
and  Employees,  which  includes  our  principal  executive,  financial,  and  accounting  officers;  as  well  as  our  Corporate  Governance  Guidelines.
Information contained on our website is not part of this report.

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Information About Our Executive Officers

The following tables set forth information regarding our current executive officers. The ages listed for all executive officers are as of December 31,
2020.

Name
Vinit K. Asar
Peter A. Stoy
Thomas E. Kiraly
C. Scott Ranson
Regina Weger
James H. Campbell
Thomas E. Hartman
Mitchell D. Dobson
Keri L. Jolly
Gabrielle B. Adams

Age
54
46
60
56
48
62
58
49
53
52

Office with the Company

President and Chief Executive Officer
Executive Vice President, Chief Operating Officer and President, Patient Care Segment

  Executive Vice President and Chief Financial Officer
  Executive Vice President, Corporate Services and Chief Information Officer

Senior Vice President and President, Products & Services Segment
Senior Vice President and Chief Clinical Officer
Senior Vice President, General Counsel and Secretary
Senior Vice President and Chief Compliance Officer
Senior Vice President and Chief Human Resources Officer

  Vice President and Chief Accounting Officer

Vinit  K.  Asar has  been  our  Chief  Executive  Officer  and  President  since  May  2012,  and  served  as  our  President  and  Chief  Operating  Officer  from
September  2011  to  May  2012.  Mr.  Asar  also  served  as  our  Executive  Vice  President  and  Chief  Growth  Officer  from  December  2008  to
September  2011.  Mr.  Asar  came  to  Hanger  from  the  Medical  Device  &  Diagnostic  sector  at  Johnson  &  Johnson,  having  worked  at  the  Ethicon,
Ethicon-Endo-Surgery, Cordis and Biosense Webster franchises. During his eighteen year career at Johnson & Johnson, Mr. Asar held various roles of
increasing  responsibility  in  Finance,  Product  Development,  Manufacturing,  and  Marketing  and  Sales  in  the  United  States  and  in  Europe.  Prior  to
joining Hanger, Mr. Asar was the Worldwide Vice-President at Biosense Webster, the Electrophysiology division of Johnson & Johnson, responsible
for the Worldwide Sales, Marketing and Services organizations. Mr. Asar has a B.S.B.A from Aquinas College and a M.B.A. from Lehigh University.

Peter A. Stoy has been our Executive Vice President, Chief Operating Officer and President of our Patient Care Segment since November 2020.  Prior
to joining Hanger, Mr. Stoy was East Region President of Sodexo, a food services and facilities management company where he was responsible for
all operations, including thousands of provider and hospital-based support service employees.  Prior to that, Mr. Stoy served in leadership positions at
McKesson  Corporation  from  2014 to  2018,  where  he  oversaw  the  multibillion  dollar  McKesson  U.S. Pharmaceutical  Health  System  segment.   Mr.
Stoy also held senior positions in hospital sales and pharmaceutical distribution during his 13-year employment at Cardinal Health.  Mr. Stoy serves on
the Board of Directors of TransSouth Logistics.  Mr. Stoy holds a Master of Business Administration from Franklin University and a BA from Ohio
University.  Mr. Stoy has been designated as a Fellow of the American College of Healthcare Executives (FACHE).

Thomas E. Kiraly has been our Executive Vice President and Chief Financial Officer since January 2015. Mr. Kiraly joined Hanger in October 2014 as
Executive  Vice  President.  Prior  to  joining  Hanger,  Mr.  Kiraly  served  as  the  Executive  Vice  President,  Chief  Financial  Officer  and  Treasurer  of
Sheridan  Healthcare,  Inc.,  a  provider  of  anesthesia,  radiology,  emergency  department,  and  neonatology  services  from  2013  to  2014.  From  1999  to
2011, Mr. Kiraly served as Executive  Vice President,  Chief Financial  Officer  and Treasurer  and led the financial  accounting,  procurement  and real
estate functions of Concentra, Inc., a provider of urgent care, occupational health care, and other health care services. In 2010, when Concentra, Inc.
was acquired by Humana, Inc., a Fortune 100 provider of insurance, health and well-being and related health care services, Mr. Kiraly transitioned to
the  position  of  Vice  President  of  Finance  for  Humana,  responsible  for  corporate  financial  forecasting,  analysis,  internal  reporting,  and  accounting
operations until 2013. From 1988 to 1999, Mr. Kiraly served as Executive Vice President and Chief Financial Officer of BRC Holdings, Inc., where he
led the financial accounting, human resources and legal functions of this publicly-traded  provider of information technology services to health care
firms and local governments. Mr. Kiraly earned his Master of Business Administration from the University of Texas in Austin, Texas and his Bachelor
of Arts in Speech Communication from California State University in Northridge, California.

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C.  Scott  Ranson has  been  our  Executive  Vice  President,  Corporate  Services  and  Chief  Information  Officer  since  May  2018.  He  joined  Hanger  as
Senior Vice President and Chief Information Officer in July 2015. Mr. Ranson joined Hanger after 14 years of service as the Chief Information Officer
for Brookdale Senior Living Inc., a publicly traded senior housing solution provider, from 2001 to June 2015. Previously, Mr. Ranson served as the
Director of Software for Marketing Specialists Company, where he led the successful implementation of an ERP system and e-commerce strategies,
and as Vice President of Information Technology for Atlas Marketing Company, Inc. Mr. Ranson earned his Bachelor of Science degree in Business
Administration, Business Management, Computer Information Systems from Ashland University in Ohio.

Regina A. Weger is our Senior Vice President and President of our Products & Services Segment since November 2020.  Ms. Weger has been with
Hanger  for  over  20  years  and  most  recently  served  as  President  of  Southern  Prosthetic  Supply  (“SPS”)  within  our  products  &  services  segment.
 Previously, she had roles of Vice President and General Manager responsible for the daily operational business activities, and Vice President, Sales
and Marketing and Director of Sales, leading the functions of sales, marketing, and customer service.  Ms. Weger was also appointed to the board of
directors  for  the  National  Association  for  the  Advancement  of  Orthotics  and  Prosthetics  for  2020.    She  attended  Brenau  University  in  Gainesville,
Georgia.

James H. Campbell, PhD. has been our Senior Vice President and Chief Clinical Officer since October 2018. Previously, he held the position of Chief
Clinical Officer since joining Hanger in 2015. Prior to joining Hanger, Dr. Campbell spent seventeen years with Becker Orthopedic, a leading world-
wide  supplier  of  orthotic  components  and  central  fabrication,  and  has  forty  years  of  experience  in  the  Orthotics  and  Prosthetics  profession  with
distinction in leadership and research. Dr. Campbell is a named inventor on five issued U.S. Patents, and has served on the Board of Directors of the
American Orthotic and Prosthetic Association as well as the American Academy of Orthotists & Prosthetists (“AAOP”), from which he received the
Distinguished Practitioner Award in February 2013. Dr. Campbell is a Certified Orthotist, a Fellow of the AAOP, and a member of the International
Society  for  Prosthetics  &  Orthotics.  Dr.  Campbell  holds  a  Higher  Diploma  in  Prosthetics  and  Orthotics  and  a  PhD  in  Bio-Engineering  from  the
University of Strathclyde in Glasgow, Scotland.

Thomas E. Hartman is our Senior Vice President, General Counsel and Secretary. He was appointed Senior Vice President in 2015 and Secretary in
2014, and  has served  as  Vice President  and  General  Counsel since  2009. Mr. Hartman  joined  Hanger from  Foley & Lardner,  LLP where he  was a
partner  in  Foley’s  Business  Law  Department.  Mr.  Hartman’s  practice  at  Foley  was  focused  on  securities  transactions,  securities  law  compliance,
mergers  and  acquisitions,  and  corporate  governance.  Prior  to  joining  Foley  in  1995,  Mr.  Hartman  was  a  business  law  associate  at  Jones  Day.
Mr.  Hartman  received  his  J.D.  from  the  University  of  Wisconsin  in  Madison,  and  a  Bachelor  of  Science  in  Engineering  (Industrial  &  Operations
Engineering) from the University of Michigan in Ann Arbor.

Mitchell D. Dobson has been our Senior Vice President and Chief Compliance Officer since October 2018. Mr. Dobson has been with Hanger for more
than twenty- five years, and most recently served as the Vice President and Compliance Officer for Hanger’s patient care segment. He previously held
various compliance and regulatory-related roles within Hanger. Mr. Dobson is also a certified prosthetist/orthotist, and practiced as a clinician for more
than  a  decade.  He  is  currently  a  Fellow  of  the  American  Academy  of  Orthotists  and  Prosthetists.  Mr.  Dobson  holds  a  Bachelor  of  Science  in
Prosthetics and Orthotics from the University of Texas Southwestern Medical Center at Dallas and a Certificate in Healthcare Compliance from The
George Washington University.

Keri L. Jolly joined Hanger, Inc. as Senior Vice President and Chief Human Resources Officer in July 2018. Ms. Jolly previously served as senior vice
president, human resources at Baylor Scott & White Health, a private healthcare provider, from May 2016 to November 2017. Prior to that, Ms. Jolly
served  as  the  chief  human  resources  officer  for  Global  Power  Equipment  Group,  a  public  global  manufacturing  and  services  company,  from
October 2014 to May 2016. From September 2012 to October 2014, Ms. Jolly served as the chief human resources officer at Vertex Group, a private
IT  services  and  business  process  outsource  provider  for  the  utilities  industry.  Ms.  Jolly’s  previous  professional  experience  includes  progressive
leadership roles in human resources positions for companies in a variety of industries. Ms. Jolly obtained her Master of Business Administration from
the University of Minnesota and her Bachelor of Arts degree in Business from the University of St. Thomas.

Gabrielle B. Adams has been our Vice President and Chief Accounting Officer since April 2017. Ms. Adams joined Hanger as its Vice President -
Accounting  in  February  2015.  Prior  to  joining  Hanger,  Ms.  Adams  served  as  Chief  Financial  Officer  at  the  Texas  Bankers  Association,  a  trade
association supporting the banking industry in Texas, from 2012 to 2015. Previously, Ms. Adams served in various roles of increasing responsibility at
EZCorp,  Inc.,  a  publicly  traded  provider  of  pawn  loans  and  operator  of  pawn  stores,  from  1999  to  2012,  including  serving  as  Vice  President  of
Financial Planning and Analysis, Director of Internal Audit, and Assistant Controller. Ms. Adams holds a degree in accounting from the University of
Texas at Austin and is a licensed CPA in the State of Texas.

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There are no family relationships between any of the executive officers.

ITEM 1A.         RISK FACTORS.

Set forth below are certain risk factors that could adversely affect our business, results of operations, and financial condition. You should carefully read
the following risk factors, together with the consolidated financial statements, related notes, and other information contained in this Annual Report on
Form 10-K. This Annual Report on Form 10-K contains forward-looking statements  that contain risks and uncertainties.  Please read the cautionary
notice regarding forward-looking statements in Item 7. under the heading “Management’s Discussion and Analysis of Financial Condition and Results
of Operations” in connection with your consideration of the risk factors and other important factors that may affect future results described below.

I.

Risks Related to the Healthcare Industry

Health care reform has initiated significant changes to the United States health care system and we expect to see further changes in the health care
system in the future.

Various  health  care  reform  provisions  became  law  upon  enactment  of  the  Patient  Protection  and  Affordable  Care  Act,  Pub.  L.  No.  111-148,  on
March  23,  2010  (the  “Affordable  Care  Act”).  The  reforms  contained  in  the  Affordable  Care  Act  have  impacted  our  business.  Continued  political,
economic, and regulatory influences are subjecting the health care industry in the United States to fundamental change. Further changes relating to the
health  care  industry  and  in  health  care  spending  may  adversely  affect  our  revenue.  We  anticipate  that  Congress  will  continue  to  review  and  assess
alternative health care delivery and payment systems and may in the future propose and adopt legislation effecting additional fundamental changes in
the  health care  system.  Although efforts  at replacing  the Affordable  Care Act and overhauling  the health  care system  have stalled  in Congress, the
change  of  administration  and  control  of  the  Senate  following  the  2020 election  cycle  suggests  that  the  risk  of  repeal  of  the  Affordable  Care  Act  is
reduced. We cannot assure you as to the ultimate content, timing or effect of changes, nor is it possible at this time to estimate the impact of potential
legislation on our business. However, although the specific reforms to the current health care system cannot be accurately predicted at this time, such
changes  could  have  a  considerable  impact  on  how  health  care  is  reimbursed,  particularly  on  the  coverage  for  certain  types  of  services  and  on  the
reimbursement levels provided by government sources.

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Changes in government reimbursement levels could adversely affect our Patient Care segment’s net revenue, cash flows, and profitability.

We derived approximately 57.7%, 57.5%, and 56.5% of our net revenue for the years ended December 31, 2020, 2019, and 2018, respectively, from
reimbursements  for  O&P  services  and  products  from  programs  administered  by  Medicare,  Medicaid,  and  the  VA.    Each  of  these  programs  set
reimbursement  levels  for  the  O&P  services  and  products  provided  under  their  program.    If  these  agencies  reduce  reimbursement  levels  for  O&P
services and products in the future, our net revenues could substantially decline.  In addition, the percentage of our net revenues derived from these
sources may increase as the portion of the U.S. population over age 65 continues to grow, making us more vulnerable to reimbursement reductions by
these organizations.  Reduced government reimbursement levels could result in reduced private payor reimbursement levels because fee schedules of
certain third party payors are indexed to Medicare reimbursement levels.  Furthermore, the health care industry is experiencing a trend towards cost
containment as government and other third party payors seek to impose lower reimbursement rates and negotiate reduced contract rates with service
providers.  This trend could adversely affect our net revenues.  For example, the Medicare contractor for Pricing, Data Analysis and Coding (referred
to as “PDAC”) recently announced verification requirements and code changes that has reduced the reimbursement level for certain prosthetic feet, and
the VA is in the process of reassessing the method it uses to determine reimbursement levels for O&P services and products provided under certain
miscellaneous  codes.    Additionally,  a  number  of  states  have  reduced  their  Medicaid  reimbursement  rates  for  O&P  services  and  products,  or  have
reduced  Medicaid  eligibility,  and  at  any  time  some  number  of  other  states  are  reviewing  Medicaid  reimbursement  policies  generally,  including  for
prosthetic and orthotic devices.  Similarly, the federal government is continually evaluating potentially significant changes to the Medicaid program,
including,  but  not  limited  to  changing  the  nature  and  scope  of  Medicaid  reimbursement.    Any  significant  reduction  in  reimbursement  levels  under
programs administered by Medicare, Medicaid, or the VA could have a material adverse effect on our net revenues.

Medicare provides for reimbursement for O&P products and services based on prices set forth in fee schedules for ten regional service areas. Medicare
prices are adjusted each year based on the CPI-U unless Congress acts to change or eliminate the adjustment. The Medicare price changes for 2021,
2020, 2019, and 2018 were 0. 2%, 0. 9%, 2.3%, and 1.1%, respectively. The Affordable Care Act (“ACA”) changed the Medicare inflation factors
applicable to O&P (and other) suppliers. The annual updates for years subsequent to 2011 are based on the percentage increase in the CPI-U for the
12-months ended in June of the previous year. Section 3401(m) of the ACA required that for 2011 and each subsequent year, the fee schedule update
factor  based  on  the  CPI-U  for  the  12-months  ended  in  June  of  the  previous  year  is  to  be  adjusted  by  the  annual  change  in  economy-wide  private
nonfarm business multifactor productivity (the “MFP Adjustment”). The MFP Adjustment may result in the percentage increase being less than zero
for a year and may result in payment rates for a year being less than such payment rates for the preceding year. If the U.S. Congress were to legislate
additional modifications to the Medicare fee schedules, our net revenues from Medicare and other payors could be adversely and materially affected.

Regular challenges to the ACA occur in the federal courts.  One round of litigation in the U.S. Fifth Circuit Court of Appeals potentially challenges the
entirety of the ACA.  See Texas v. United States, No. 19-10011 (5th Cir. Jan. 9, 2020) California v. Texas, Case 19-840 and a consolidated case, oral
arguments before the United States Supreme Court were heard on November 10, 2020.  On February 10, 2021, the Department of Justice notified the
United States Supreme Court of the reversal of its previous position that the now-defunct tax provision in the ACA cannot be severed from the rest of
the law, thus making the entire ACA unconstitutional.  If any challenges to the ACA are successful, it may have a material adverse effect on our net
revenues.

Alternative models of reimbursement for durable medical equipment, prosthetics, orthotics and supplies (“DMEPOS”) may also affect our business.
The  Medicare  Prescription  Drug,  Improvement,  and  Modernization  Act  of  2003  requires  that  Medicare  replace  the  current  fee  schedule  payment
methodology for certain DMEPOS items and services with “single payment amounts” determined through a competitive bidding process, and CMS
has issued regulations finalizing the methodology for adjusting fee schedule amounts for such items. See 79 Fed, Reg. 66120, 66123 (November 6,
2014).  The  types  of  DMEPOS  most  applicable  to  us  include  certain  off-the-shelf  (“OTS”)  orthotics.  Under  the  DMEPOS  Competitive  Bidding
Program, suppliers compete to submit bids for selected products, and the Medicare suppliers offering the best price, in addition to meeting applicable
quality and financial standards, are awarded contracts to supply the designated products and services to Medicare beneficiaries in specified competitive
bidding  areas.  Although  our  product  offerings  currently  subject  to  competitive  bidding  do  not  comprise  a  significant  portion  of  our  business,  it  is
possible  that  the  DMEPOS  Competitive  Bidding  Program  may  expand  to  include  other  types  of  products  we  offer,  or  that  other  payors  will  adopt
similar models for reimbursement, which could negatively affect our net revenue.

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The Budget Control Act of 2011 required, among other things, mandatory across-the-board reductions in Federal spending, or “sequestration”.  While
delayed by the American Taxpayer Relief Act of 2012, President Obama issued a sequestration order on March 1, 2013.  For services provided on or
after  April  1,  2013,  Medicare  fee-for-service  claim  payments,  including  those  for  DMEPOS  as  well  as  claims  under  the  DMEPOS  Competitive
Bidding  Program,  are  reduced  by  2%.    Section  3709  of  the  CARES  Act  temporarily  suspends  the  2%  payment  adjustment  currently  applied  to
Medicare  Fee-For-Service  (FFS)  claims  due  to  sequestration  for  claims  with  dates  of  service  from  May  1  through  December  31,  2020.  The
Consolidated Appropriation Act of 2021, signed into law on December 27, 2020, extends the suspension period to March 31, 2021. On November 2,
2015, President Obama signed the Bipartisan Budget Act of 2015 into law, which provided for two years of increases to discretionary spending to be
offset by an additional year of Medicare sequestration, through 2025.  This is a claims payment adjustment with limited impact on us; no permanent
reductions in the Medicare DMEPOS fee schedule have been made as a result of sequestration, therefore additional reimbursements from Medicaid,
the VA, and commercial payors who use the Medicare fee schedule as a basis for reimbursement have not been impacted.

CMS  may  also  develop  policies  to  limit  Medicare  coverage  of  specific  products  and  services.  Medicare  administrative  contractors  may  issue  local
coverage  determinations  (“LCD”)  that  limit  coverage  for  a  particular  item  or  service,  and  these  determinations  are  generally  coordinated  across  all
applicable  Medicare  administrative  contractors  and  therefore  generally  apply  nationally.  Any  LCD  that  negatively  impacts  orthotic  or  prosthetic
reimbursement would negatively affect our revenue.

Finally,  patients  may  continue  to  move  to  Medicare  Advantage  plans  from  traditional  Medicare  plans,  which  will  change  the  nature  of  the
reimbursement received by us from the traditional Medicare program and may negatively affect our net revenue.

If the average rates that commercial payors pay us decline significantly, then it would have a material adverse effect on our Patient Care segment’s
net revenues, earnings, and cash flows.

We derived approximately 35.7%, 35.8%, and 37.0% of our net revenues for the years ended December 31, 2020, 2019, and 2018, respectively, from
reimbursements for O&P services and products for patients who have commercial payors as their primary payor. We continue to experience downward
pressure on some of our commercial payment rates as a result of general conditions in the market, recent, and future consolidations among commercial
payors, increased focus on O&P services and products and other factors. There is no guarantee that commercial payment rates will not be materially
lower in the future, particularly given the fluctuations in government reimbursement rates.

We are continuously in the process of negotiating new agreements and renegotiating agreements that are up for renewal with commercial payors, who
often begin negotiations with proposed reductions in our reimbursement  rates. Sometimes many significant agreements are up for renewal or being
renegotiated at the same time. In the event that our ongoing negotiations result in overall commercial rate reductions in excess of overall commercial
rate increases, the cumulative effect could have a material adverse effect on our financial results. Consolidations in the commercial payor market have
significantly increased the negotiating leverage of commercial payors. Our negotiations with payors are also influenced by competitive pressures, and
we may experience decreased contracted rates with commercial payors or experience decreases in patient volume as our negotiations with commercial
payors continue. If the average rates that commercial payors pay us decline significantly, or if we see a decline in commercial patients, it would have a
material adverse effect on our revenues, earnings, and cash flows.

We depend on reimbursements by third party payors, as well as payments by individuals, which could lead to delays and uncertainties in the Patient
Care segment’s reimbursement process.

We receive a substantial portion of our payments for health care services on a fee-for-service basis from third party payors, including Medicare and
Medicaid, private insurers, and managed care organizations. We estimate that we have received approximately 93.4%, 93.3%, and 93.5% of our net
revenues  from  such  third  party  payors  during  2020,  2019,  and  2018,  respectively.  We  estimate  that  such  amounts  included  approximately  32.3%,
31.9%, and 31.9% from Medicare in 2020, 2019, and 2018, respectively, 16.2%, 15.8%, and 15.5% from Medicaid programs in 2020, 2019, and 2018,
respectively. In addition, we estimate net revenues from the VA were 9.2%, 9.8%, and 9.1% in 2020, 2019, and 2018, respectively.

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The reimbursement process is complex and can involve lengthy delays. Third party payors continue their efforts to control expenditures for health care,
including proposals to revise reimbursement policies. While we recognize revenue when health care services are provided, there can be delays before
we receive payment. In addition, third party payors may disallow, in whole or in part, requests for reimbursement based on determinations that certain
amounts are not reimbursable under plan coverage, that services provided were not medically necessary, or that additional supporting documentation is
necessary. Retroactive adjustments may change amounts realized from third party payors. Third party payors may require pre-authorizations for certain
services and/or devices, which may result in a delay in our ability to provide services or to provide services at all. Additionally, we may see an increase
in bundled payment models, which can result in delays before we receive payment or no payment at all for certain services.

Changes  in  government  reimbursement  levels  and  policies  such  as  those  described  above  may  also  contribute  to  uncertainties  surrounding  the
reimbursement  process.  We  are  subject  to  governmental  audits  of  our  reimbursement  claims  under  Medicare,  Medicaid,  the  VA,  and  other
governmental  programs  and  may  be  required  to  repay  these  agencies  if  found  that  we were  incorrectly  reimbursed.  Delays  and  uncertainties  in  the
reimbursement process may adversely affect accounts receivable, increase the overall costs of collection and cause us to incur additional borrowing
costs.

We also may not be paid with respect to co-payments and deductibles that are the patient’s financial responsibility. Many of the plans offered on the
state health insurance exchanges have high deductibles and require coinsurance that patients cannot afford to pay. Amounts not covered by third party
payors are the obligations of individual patients from whom we may not receive whole or partial payment. We also may not receive whole or partial
payments from uninsured and underinsured individuals. In such an event, our earnings and cash flow would be adversely affected, potentially affecting
our ability to maintain our restrictive debt covenant ratios and meet our financial obligations.

Additionally,  employer  based  plans  and  other  individual  plans  are  increasingly  relying  on  “high  deductible”  plan  designs.  As  their  participation  in
health plans with these high deductible designs increases, our patients will face greater financial burdens and participatory costs that may affect their
decisions  regarding  the  timing  of  their  replacement  of  their  devices.  Due  to  cost  considerations,  they  may  seek  to  repair  or  refurbish  their  existing
devices and delay the purchase of new replacement devices, which will adversely affect our revenues and our profitability.

The risks associated with third party payors, co-payments, and deductibles and the inability to monitor and manage accounts receivable successfully
could still  have a  material  adverse  effect  on our business, financial  condition,  and results  of operations.  Furthermore,  our  collection  policies  or our
provisions for allowances for Medicare, Medicaid, and contractual discounts and doubtful accounts receivable may not be adequate.

Due to constraints in the growth of our rates of reimbursement, we may face cost pressures that could adversely affect our profitability.

Due to increased pressures on governmental and commercial payors to seek ways of reducing the costs of care, those payors have and may continue to
seek ways to reduce growth in the rate of our reimbursement for the services we provide. This constraint in the rate of growth in reimbursement may
adversely affect our profitability as we experience increases in the wages, materials, and other costs necessary to the conduct of our business. These
cost increases may adversely affect our profitability and our profit margins.

Changes in government reimbursement levels could adversely affect our Products & Services segment’s net revenues, cash flows, and profitability.

Changes in government reimbursement levels could adversely affect the net revenues, cash flows, and profitability of the businesses in our Products &
Services  segment.    In  particular,  a  significant  majority  of  our  therapeutic  services  sales  involve  devices  and  related  services  provided  to  SNFs  and
similar businesses.  Reductions in government reimbursement levels to SNFs have caused, and could continue to cause, such SNFs to reduce or cancel
their use of our therapeutic service equipment and related consultative services negatively impacting net revenues, cash flows, and profitability.  For
example, in July 2011 CMS announced an across the board reduction of approximately 11% in SNF reimbursement levels, which negatively impacted
the demand for our devices and treatment modalities. Although CMS has announced increases in SNF reimbursement  levels in the years since (the
agency announced an increase of 2.2% for fiscal year (“FY”) 2021, 2.4% for FY 2020, 2.4% for FY 2019, 1.0% for FY 2018, and 2.4% for FY 2017),
we  cannot  predict  whether  any  other  changes  to  reimbursement  levels  will  be  implemented,  or  if  implemented  what  form  any  changes  might  take.
 Effective  October  1,  2019,  the  Patient-Driven  Payment  Model  replaced  the  previous  Resource  Utilization  Group  IV  SNF  payment  system  under
Medicare Part A.

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We face periodic reviews, audits, and investigations under our contracts with federal and state government agencies, and these audits could have
adverse findings that may negatively impact our business.

We  contract  with  various  federal  and  state  governmental  agencies  to  provide  O&P  services.    Pursuant  to  these  contracts,  we  are  subject  to  various
governmental reviews, audits, and investigations to verify our compliance with the contracts and applicable laws and regulations.  Any adverse review,
audit, or investigation could result in:

●

●

●

●

refunding of amounts we have been paid pursuant to our government contracts;

imposition of fines, penalties, and other sanctions on us;

loss of our right to participate in various federal programs;

damage to our reputation in various markets; or

● material and/or adverse effects on our business, financial condition, and results of operations.

In recent years, we have seen a significant increase in Medicare audits, including RAC audits, CERT audits, TPE prepayment audits, and UPIC audits.
 In addition, SMRCs are responsible for the identification of improper payment rates through medical record review.  We believe that Medicare audits,
inquiries and investigations will continue to occur from time to time in the ordinary course of our business.  Medicare audits could have a material and
adverse effect on our business financial condition and results of operations, particularly if we are unsuccessful at final adjudication.

II.

Risks Related to Our Operations and Strategy

Cyber attacks, system security risks, data breaches, and other technology failures could adversely affect our ability to conduct business, our results
of operations, and our financial position.

A cyber attack, system security risk, data breach or technology failure could occur and potentially disrupt our business, damage our reputation, and
adversely affect our profitability.  Our IT systems are subject to the risk of computer viruses or other malicious code, unauthorized access, or cyber
attacks  from  a  variety  of  sources,  including  directly,  through  a  vendor  with  access  to  our  IT  systems,  or  through  code  embedded  in  a  program  or
application we run on our IT systems.  The administrative and technical controls and other preventive measures that we take to reduce the risk of cyber
incidents and protect our IT systems may be insufficient to prevent physical and electronic break-ins, cyber attacks, or other security breaches to our
computer systems.  We are not currently in full compliance with the standards prescribed under the Payment Card Industry Data Security Standard,
and  this  could  result  in  heightened  cybersecurity  risk.    In  addition,  disruptions  or  breaches  could  occur  as  a  result  of  natural  disasters,  man-made
disasters, epidemic/pandemic, industrial accident, blackout, criminal activity, technological changes or events, terrorism, or other unanticipated events
beyond our control.  While we have insurance intended to provide coverage from certain losses related to such incidents, and a variety of preventative
security  measures  such  as  risk  management,  information  protection,  and  disaster  recovery  systems,  insurance  may  not  cover  all  losses  and  our
preventive security measures may not be sufficient or adequate to protect our IT systems.  Additionally, we cannot predict the method or outcome of
every  possible  cyber  incident  or  ensure  that  we  have  protected  ourselves  against  every  possible  cyber  threat  in  light  of  the  varied  and  increasingly
complex  breaches  faced  by  companies  on  a  regular  basis.    Problems  with,  or  shortcomings  in,  our  systems  or  plans  could  have  a  material  adverse
impact on our ability to conduct business, our results of operations, and our financial position.

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We utilize information technology systems to support our business. Our multi-year implementation of an enterprise-wide resource planning system,
reliance  upon  multiple  legacy  business  systems,  security  breaches,  or  other  disruptions  to  our  information  technology  systems  or  assets,  could
interfere  with our operations, compromise  security  of our customers’  or suppliers’  information and expose us to liability  which could adversely
impact our business and reputation.

Our operations rely on certain key IT systems, many of which are legacy in nature or may be dependent upon third-party services, to provide critical
connections of data, information, and services for internal and external users. Over the next several years, we expect to implement a new enterprise
resource planning system (“ERP”), which will require significant financial and human resources to deploy. There can be no assurance that the actual
costs for the ERP will not exceed our current estimates or that the ERP will not take longer to successfully implement than we currently expect. The
failure  to  successfully  implement  the  ERP  in  a  timely  manner  may  adversely  affect  our  ability  to  establish  and  maintain  an  effective  control
environment. In addition, potential flaws in implementing the ERP, not adequately training our work force or adapting our systems and processes to
effectively  operate  under  the  ERP,  or  the  failure  of  any  portion/module  of  the  ERP  to  meet  our  needs,  properly  interface  with  legacy  systems  or
provide appropriate controls, may pose risks to our ability to operate successfully and efficiently. There may be other challenges and risks to both our
aging and current IT systems over time due to any number of causes, such as catastrophic events, availability of resources, power outages, security
breaches, or cyber-based attacks, and as we upgrade and standardize our ERP system on a company-wide basis. These challenges and risks could result
in legal claims or proceedings, liability or penalties, disruption to our operations, a material weakness in or failure of our control environment, loss of
valuable data, and damage to our reputation, all of which could adversely affect our business.

Disruptions  in  our  disaster  recovery  systems,  management  continuity  planning,  or  information  systems  could  limit  our  ability  to  operate  our
business effectively, or adversely affect our financial condition and results of operations.

Our IT systems facilitate our ability to conduct our business.  While we have disaster recovery systems in place, these systems may not be adequate,
and  any  disruptions  in  our  disaster  recovery  systems  could,  depending  on  the  magnitude  of  the  problem,  adversely  affect  our  operating  results  by
limiting our capacity to effectively monitor and control our operations.  Despite our implementation of a variety of security measures, our technology
systems  could  be  subject  to  physical  or  electronic  break-ins  and  similar  disruptions  from  unauthorized  tampering.    In  addition,  in  the  event  that  a
significant  number  of  our  management  personnel  were  unavailable  in  the  event  of  a  disaster,  our  ability  to  effectively  conduct  business  could  be
adversely affected.

We  have  made  and  may  continue  to  make  acquisitions,  which  could  divert  the  attention  of  management  and  which  may  not  be  integrated
successfully into our existing business. We may not find suitable acquisitions in the future, which could adversely affect our ability to penetrate
new markets and achieve our growth objectives.

We intend to continue to pursue acquisitions to enter new geographic markets and expand the scope of services we provide. We cannot assure you that
we will identify suitable acquisition candidates, acquisitions will be completed on acceptable terms or at all, our due diligence process will uncover all
potential liabilities or issues affecting our integration process, we will not incur breakup, termination or similar fees and expenses, or we will be able to
successfully integrate the operations of any acquired business. Furthermore, acquisitions in new geographic markets and services may require us to
comply with new and unfamiliar legal and regulatory requirements, which could impose substantial obligations on us and our management, cause us to
expend  additional  time  and  resources,  and  increase  our  exposure  to  penalties  or  fines  for  noncompliance  with  such  requirements.  The  acquisitions
could  be  of  significant  size  and  involve  operations  in  multiple  jurisdictions.  The  acquisition  and  integration  of  another  business  could  divert
management attention from other business activities. This diversion, together with other difficulties we may incur in integrating an acquired business,
could  have  a  material  adverse  effect  on  our  business,  financial  condition,  and  results  of  operations.  In  addition,  we  may  incur  debt  to  finance
acquisitions. Such borrowings may not be available on terms as favorable to us as our current borrowing terms and may increase our leverage.

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We face new competitors in the O&P patient care services market.

The barriers to entry into the O&P patient care services business in the United States are generally low.  In particular, we are aware that two O&P
product  manufacturers,  each  with  international  O&P  patient  care  services  operations,  also  now  operate  O&P  patient  care  services  business  in  the
United States, and could continue to expand their U.S. presence.  These O&P product manufacturers are important suppliers to our O&P patient care
services business as well as our Product & Services segment distribution business.  Other O&P product manufacturers with international O&P patient
care services operations could also choose to enter the U.S. O&P patient care services market, as could other healthcare companies.  These competitors
have significant financial resources, established brands, and other competitive strengths.  The continued expansion of these competitors, and the entry
of new competitors into the O&P patient care services market in the United States, could adversely affect our business, financial condition, or results
of operations.

In addition, these competitors could negatively impact our acquisition strategy in the O&P patient care services market.  In particular, competition for
acquisition candidates could increase the prices we pay to complete acquisitions, and could cause us to lose acquisitions to competitors, either of which
could adversely affect our business, financial condition or results of operations.

The O&P patient care services industry in the United States is consolidating, and this consolidation could adversely affect the distribution business
in our Products & Services segment.

In recent years the O&P patient care services industry in the United States has been consolidating, and that consolidation is accelerating.  The primary
customers  of  the  distribution  business  in  our  Products  &  Services  Segment  are  these  independent  O&P  patient  care  service  providers.    If  the
consolidation of these independent O&P provider customers were to cause them to source their purchases of O&P products, components and supplies
from another supplier, it could adversely affect the net revenue, cash flow and profitability of our distribution business and the Products & Services
segment.

The Company’s financial condition and results of operations for fiscal year 2021 and beyond may continue to be materially adversely affected by
the ongoing coronavirus (“COVID-19”) outbreak.

The outbreak of COVID-19 evolved into a global pandemic in the first quarter of 2020.  The full extent to which the COVID-19 outbreak will continue
to impact our business and operating results will depend on future developments that are highly uncertain and cannot be accurately predicted, including
new medical and other information that may emerge concerning COVID-19 and the actions by governmental entities or others to contain it or mitigate
its impact.  

The COVID-19 pandemic had a significant negative impact on our business and results of operations in 2020.  We experienced a reduction in revenue
due to a decline in the number of patients that we treated in our patient care clinics, as well as a reduction in sales to independent O&P clinics by our
distribution  business.    A  significant  portion  of  this  decline  was  due  to  O&P  patients  determining  voluntarily  to  wait  for  various  reasons,  including
concerns  regarding  their  own  health  and  safety,  for  appointments  and  procedures,  both  with  us  and  with  their  referring  physicians,  that  the  patient
deems to be non-urgent or otherwise able to be deferred or postponed. Although we have seen some recovery in patient volume since April of 2020,
and sequentially since the second quarter of 2020, the progress of the COVID-19 pandemic has been erratic, with infection rates fluctuating in many
regions  throughout  the  United  States,  and  we  are  unable  to  predict  when  the  COVID-19  pandemic  will  no  longer  significantly  impact  our  patient
volumes, both in our own clinics and at independent O&P providers.

Nevertheless, we continue to believe that these patient volume declines primarily reflect a deferral of healthcare services utilization to a later period,
rather  than a permanent  reduction  in demand for our services.   Given the general  necessity  of the services  that our patient  care clinics  provide, we
anticipate  that this deferral  of services  may create  a backlog of demand in the future, in addition to the resumption  of historically  normal levels of
patient activity; however, there is no assurance that either will occur.  To date, we have not experienced significantly extended billing and collection
cycles  as  a  result  of  displaced  employees,  delayed  reimbursement  by  governmental  or  private  payers,  or  delayed  revenue  cycle  management
procedures; however, we cannot predict the impact the ongoing COVID-19 pandemic may have on these areas of our operations in future periods.  We
may also face a shortage in products within our supply chain in the future, which could impact our ability to service our patients in our clinics on a
timely basis or at all.  

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Our management of the impact of COVID-19 has and will continue to require significant investment of time from our management and employees, as
well as resources across our enterprise.  The focus on managing and mitigating the impacts of COVID-19 on our business may cause us to divert or
delay the application of our resources toward existing or new initiatives or investments, which could have a material adverse impact on our results of
operations.

Further, the impacts of COVID-19 have caused significant uncertainty and volatility in the credit markets.  If our access to capital were to become
significantly  constrained,  or  if  costs  of  capital  increased  significantly  due  the  impact  of  COVID-19  including,  volatility  in  the  capital  markets,  a
reduction in our credit ratings or other factors, then our financial condition, results of operations and cash flows could be materially adversely affected.

There  have  been  several  new  sources  of  funding  that  flowed  from  Federal  and  state  sources  to  health  care  providers  and  suppliers  relating  to  the
COVID-19 pandemic. We received approximately $24.0 million in grants under the Public Health and Social Services Emergency Fund, also referred
to as the CARES Act, which established to reimburse providers for lost revenue and health-care related expenses that are attributable to the COVID-19
pandemic. We will be required to attest to and comply with the terms and conditions of any funding that we receive under the Provider Relief Fund,
and  to  track  our  use  of  the  funds  in  order  to  demonstrate  such  compliance.  Guidance  issued  by  the  Department  of  Health  and  Human  Services
surrounding  compliance  requirements  continues  to  emerge  and  evolve,  resulting  in  increased  complexity  in  our  reporting  obligations  related  to  the
payments received under the Provider Relief Fund.  If we fail to appropriately comply with all of the terms and conditions, we may be required to
repay some or all of these amounts and may be subject to other enforcement action, which could have a material adverse impact. Due to the recent
enactment of the CARES Act, the Paycheck Protection Program and Health Care Enhancement Act and other enacted legislation, there is still a high
degree of uncertainty surrounding the implementation of such legislation.  Many of the potential requirements under these sources of funding were not
promulgated pursuant to notice-and-comment rulemaking but were, rather, issued as subregulatory guidance, responses to frequently asked questions
(“FAQs”) and other informal issuances, the content and substance of which changed materially and regularly.  There can be no assurance that the terms
and conditions of provider relief funding or other relief programs will not change or be interpreted in ways that affect our ability to comply with such
terms and conditions in the future (which could affect our ability to retain any funding that we receive), the amount of total stimulus funding we may
ultimately  receive  or  our  eligibility  to  participate  in  any  future  stimulus  funding.  We  continue  to  assess  the  potential  impact  of  the  COVID-19
pandemic and government responses to the pandemic on our business, results of operations, financial position and cash flows.

The  foregoing  and  other  continued  disruptions  to  our  business  as  a  result  of  COVID-19  has  had,  and  is  currently  expected  to  continue  to  have,  a
material adverse effect on our business, results of operations, and financial condition.

Disruption of our supply chain could adversely affect our net revenue, cash flow, and profitability.

We depend on domestic and international outside suppliers and O&P product manufacturers to provide the materials, components, and products we use
in the devices we provide to the patients of our Patient Care segment, and distribute to the customers of our distribution business in our Products &
Services segment.  Disruption of our supply chain could result from a variety of factors that could impact our suppliers, manufacturers, or shipping
carriers.  These factors include, among other things: a natural disaster, including a hurricane, earthquake, or flood; a public health crisis, including a
global or regional pandemic outbreak of disease; adverse weather; a cybersecurity breach or incident; terrorism or other acts of violence; acts of war or
other  armed  conflict;  operational  or  financial  instability  of  one  or  more  key  suppliers,  manufacturers  or  shipping  carriers;  unavailability  of  raw
materials; transportation interruptions or delays; or labor strikes or other labor activities. To date, the effects of the COVID-19 pandemic have not had
a material adverse impact on our supply chain; however, we cannot provide assurance future developments will not result in a significant disruption to
our supply chain. Any discontinuation or interruption in the availability of the materials, components, and products we use and sell in our businesses
from one or more suppliers or manufacturers could increase our cost of materials, or delay or preclude deliveries to our patients and customers, which
could have an adverse effect on our net revenue, cash flow, and profitability.

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Consolidation of manufacturers within the O&P industry may adversely affect our business by increasing prices we pay for certain devices and
components.

We depend on a limited number of manufacturers who supply us with certain key devices and components used in the prostheses we provide to our
patients, particularly with respect to high technology components. These manufacturers are subject to a consolidation trend within the O&P industry.
To the extent  this  trend  continues,  consolidation  amongst  certain  manufacturers  could  result  in a sole or limited  source  for certain  high technology
devices and components used in the devices we provide to patients. Any such consolidation could require us to pay increased prices for such devices
and components, which could significantly reduce our gross margin and profitability and have a material adverse effect on our business.

In order to remain competitive, we are required to make capital expenditures to maintain our systems, properties, and our equipment.

In  order  to  remain  competitive,  we  are  required  to  make  capital  expenditures  to  invest  in  reengineering  our  supply  chain  and  financial  systems,  in
therapeutic equipment for our Products & Services segment, and to refurbish and maintain our property and equipment generally. A substantial portion
of  our  anticipated  capital  expenditure  requirements  over  the  next  several  years  relate  to  updating  and  refreshing  the  physical  and  technology
infrastructure  that  supports  logistics  and  warehousing  of  products  for  both  our  business  segments.  We  also  continue  to  invest  in  refreshing  the
therapeutic equipment portfolio of Accelerated Care Plus in our Products & Services segment, and in upgrading and maintaining the appearance and
function of our patient care clinics and satellite locations in our Patient Care segment. If we are unable to fund any such investment or otherwise fail to
invest in such items, our business, financial condition, or results of operations could be materially and adversely affected.

Our products and services face the risk of technological obsolescence, which, if realized, could have a material adverse effect on our business.

The  medical  device  industry  is  characterized  by  rapid  and  significant  technological  change.  There  can  be  no  assurance  that  third  parties  will  not
succeed in developing and marketing technologies, products or services that are more effective than those that we provide our patients, or that would
render the products and services we provide our patients obsolete or noncompetitive. Additionally, new surgical procedures and medications could be
developed for diabetes, trauma associated with accidents or physical injury, tumors, infection, or musculoskeletal disorders of the back, extremities, or
joints that would replace or reduce the importance of our prosthetic and orthotic products and services. Accordingly, our success will depend upon our
ability to respond to future medical and technological changes that may impact the demand for our prosthetic and orthotic products and services.

We depend on our ability to recruit and retain experienced clinicians.

Our revenue generation is dependent upon referrals from physicians in the communities our patient care clinics serve, and our ability to maintain good
relations  with  these  physicians.    Our  clinicians  are  the  front  line  for  generating  these  referrals  and  we  are  dependent  on  their  talents  and  skills  to
successfully  cultivate  and  maintain  strong  relationships  with  these  physicians.    If  we  cannot  recruit  and  retain  our  base  of  experienced  and  skilled
clinicians,  our  business  may  decrease  and  our  net  operating  revenues  may  decline.    We  may  also  experience  increases  in  our  labor  costs,  if  higher
wages and greater benefits are required to attract and retain qualified healthcare personnel, and such increases may adversely affect our profitability.
 Furthermore, while we attempt to manage overall labor costs in the most efficient way, our efforts to manage them may have limited effectiveness and
may lead to increased turnover and other challenges.

Given the complexities and demands related to reimbursement, we may fail to adequately provide the staffing and systems necessary to ensure we
effectively manage our reimbursement processes.

The nature of our business requires that we are effective in the assessment of patient eligibility, the process of pre-authorization, the recordation and
collection  of  provider  documentation,  the  timely  and  complete  submission  of  claims  for  reimbursement,  the  application  of  cash  receipts  to  patient
accounts, the timely response to payor denials, and the conduct of collection activities. If we fail to provide adequate or qualified staffing, we could
incur reductions in the amount of reimbursement we receive for the O&P services that we provide.

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If we are unable to retain our senior management and key employees, then our business and results of operations and financial position could be
harmed.

Our ability to maintain our competitive position is largely dependent on the services of our senior management and other key employees. Although we
have employment agreements with our senior management, these agreements do not prevent those individuals from ceasing their employment with us
at any  time.  If we are  unable  to  retain  existing  senior  management  and other  key employees,  or  to attract  other  such qualified  employees  on terms
satisfactory to us, then our business could be adversely affected.

Our failure to economically procure necessary components and to conduct timely and effective inventories of the materials and components we use
in our business could result in an adverse effect on our business, financial condition, and results of operations.

Our  business  involves  the  use  of  materials  and  componentry  we  acquire  from  third  party  manufacturers.  If  manufacturers  critical  to  our  business
substantially  increase  the  cost  of  the  components  they  sell  to  us,  then  our  inability  to  acquire  the  necessary  materials  and  components  on  a  cost
effective basis may adversely affect revenues and earnings. Additionally, to successfully perform our business, it is necessary that we conduct timely
and thorough inventories of our raw materials and Work in Process. The conduct of these inventories is costly and time consuming. If we encounter
issues in their conduct, given that our clinicians oversee the inventory processes which occur in our clinics, remedial procedures can disrupt our ability
to see and treat patients, and thereby adversely affect our revenues and profitability.

Insurance coverage for some of our losses may be inadequate and may be subject to the credit risk of commercial insurance companies.

Some of our insurance coverage is through various third-party insurers. To the extent we hold policies to cover certain groups of claims or rely on
insurance coverage obtained by third parties to cover such claims, but either we or such third parties did not obtain sufficient insurance limits, did not
buy an extended reporting period policy, where applicable, or the issuing insurance company is unable or unwilling to pay such claims, we may be
responsible for those losses. Furthermore, for our losses that are insured or reinsured through commercial insurance companies, we are subject to the
“credit risk” of those insurance companies. While we believe our commercial insurance company providers currently are creditworthy, there can be no
assurance that such insurance companies will remain so in the future.

III.

Risks Related to Our Legal and Regulatory Environment

A cybersecurity incident could cause a violation of HIPAA and other privacy laws and regulations or result in a loss of confidential data.

We  are  not  currently  in  full  compliance  with  all  the  requirements  of  the  regulations  issued  under  HIPAA,  and  this  could  result  in  heightened
cybersecurity risk. A cyber attack that penetrates our IT security defenses causing an IT security breach, loss of protected health information or other
data  subject  to  privacy  laws,  loss  of  proprietary  business  information,  or  a  material  disruption  of  our  IT  business  systems,  could  have  a  material
adverse  impact  on our business,  financial  condition,  or results  of operations.  In addition, our future  results  of operations,  as well as our reputation,
could  be  adversely  impacted  by  theft,  destruction,  loss,  or  misappropriation  of  protected  health  information,  other  confidential  data,  or  proprietary
business information.

Our acquisitions require transitions and integration of various information technology systems, and we regularly upgrade and expand our information
technology  systems’  capabilities.  If  we  experience  difficulties  with  the  transition  and  integration  of  these  systems  or  are  unable  to  implement,
maintain,  or  expand  our  systems  properly,  we  could  suffer  from,  among  other  things,  operational  disruptions,  regulatory  problems,  working  capital
disruptions, and increases in administrative expenses. While we make significant efforts to address any information security issues and vulnerabilities
with respect  to the companies we acquire, we may still inherit risks of security breaches or other compromises when we integrate  these companies
within our business.

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We are subject to numerous federal, state, and local governmental regulations, noncompliance with which could result in significant penalties that
could have a material adverse effect on our business.

A  failure  by  us  to  comply  with  the  numerous  federal,  state,  and/or  local  health  care  and  other  governmental  regulations  to  which  we  are  subject,
including the regulations discussed under “Government Regulation” in “ITEM 1. BUSINESS.” above, could result in significant penalties and adverse
consequences, including exclusion from the Medicare and Medicaid programs, which could have a material adverse effect on our business.

Our non-compete agreements and other restrictive covenants involving clinicians may not be enforceable.

We have contracts with clinicians in many states.  Some of these contracts include provisions preventing these clinicians from competing with us both
during and after the term of our relationship with them.  The law governing non-compete agreements and other forms of restrictive covenants varies
from state to state.  Some states are reluctant to strictly enforce non-compete agreements and restrictive covenants applicable to health care providers.
 There can be no assurance  that our non-compete  agreements  related  to affiliated  clinicians  will not be successfully challenged  as unenforceable  in
certain states.  In such event, we would be unable to prevent former affiliated clinicians from competing with us, potentially resulting in the loss of
some of our patients, reducing our revenues and earnings.

We  may  not  be  able  to  adequately  protect  our  intellectual  property  and  other  proprietary  rights  that  are  material  to  our  business  or  to  defend
successfully against intellectual property infringement claims by third parties.

Our ability to compete effectively depends in part upon our intellectual property rights, including but not limited to our trademarks and copyrights, and
our  proprietary  technology.  Our  use  of  contractual  provisions,  confidentiality  procedures  and  agreements,  and  trademark,  copyright,  unfair
competition, trade secret, and other laws to protect our intellectual property rights and proprietary technology may not be adequate. Litigation may be
necessary to enforce our intellectual property rights and protect our proprietary technology, or to defend against claims by third parties that the conduct
of our businesses or our use of intellectual property infringes upon such third-party’s intellectual property rights. Any intellectual property litigation or
claims brought against us, whether or not meritorious, could result in substantial costs and diversion of our resources, and there can be no assurances
that favorable final outcomes will be obtained in all cases. The terms of any settlement or judgment may require us to pay substantial amounts to the
other party or cease exercising our rights in such intellectual property, including ceasing the use of certain trademarks used by us to distinguish our
services  from  those  of  others  or  ceasing  the  exercise  of  our  rights  in  copyrightable  works.  In  addition,  we  may  have  to  seek  a  license  to  continue
practices found to be in violation of a third-party’s rights, which may not be available on reasonable terms, or at all. Our business, financial condition,
or results of operations could be adversely affected as a result.

IV.

Risks Related to Our Common Stock and Capital Structure

We have substantial indebtedness, and our failure to comply with the covenants and payment requirements of that indebtedness may subject us to
increased interest expenses, lender consent and amendment costs, or adverse financial consequences.

As of December 31, 2020, we had approximately $503.1 million in indebtedness. This current level of indebtedness is comprised of approximately
$491.1 million of borrowings under the term loan facility under our Credit Agreement, no borrowings under the revolving credit facility of our Credit
Agreement, and approximately $12.0 million of indebtedness related to other financing obligations and Seller Notes, net of unamortized discount and
debt issuance costs. Under our Credit Agreement, we are required to comply with certain financial covenants and other provisions. In addition to other
requirements, these provisions include requirements that we timely prepare our financial statements and timely receive audits on our annual financial
statements, meet certain financial ratio requirements, and timely pay interest and principal when due. To the extent that we fail to meet our financial
statement  requirements  in  future  periods,  our  operating  trends  do  not  enable  us  to  meet  our  financial  covenant  requirements,  we  are  unable  to  pay
interest or principal when due or we are unable to meet other covenants and requirements contained within our currently existing Credit Agreement,
we may default under the Credit Agreement. A default could result in increases in consent or amendment fees to lenders, increases in interest costs, the
imposition of additional constraints on borrowing by our lenders, or potentially more serious liquidity constraints and adverse financial consequences,
including reductions in the value of our common stock or the necessity of seeking protection from creditors under bankruptcy laws. See the “Liquidity
and Capital Resources” section in this Management’s Discussion and Analysis for further discussion.

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Additionally,  our  current  Credit  Agreement  includes  variable  interest  rates.  In  the  event  that  interest  rates  rise,  we  will  be  required  to  pay  greater
interest expenses, which will have an adverse effect on our income from operations and financial condition.

To remedy issues we may encounter with meeting our debt obligations, or for other purposes, we may find it necessary to seek further refinancing of
our indebtedness, and may do so with debt instruments that are more costly than our existing instruments (and which will rank senior to our equity
securities), or we may issue additional equity securities which may dilute the ownership interests or value of our existing shareholders. These actions
may decrease the value of our equity securities.

The market price of our common stock may fluctuate significantly.

The market price of our common stock may fluctuate significantly. Among the factors that could affect our stock price are:

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industry or general market conditions;

domestic and international economic factors unrelated to our performance;

changes in our referral sources’ or customers’ preferences;

new regulatory pronouncements and changes in regulatory guidelines;

lawsuits, enforcement actions, and other claims by third parties or governmental authorities;

actual or anticipated fluctuations in our quarterly operating results;

changes in securities analysts’ estimates of our financial performance or lack of research and reports by industry analysts;

action  by  activist  shareholders,  institutional  shareholders  or  other  large  shareholders,  including  future  sales  or  purchases  of  our  common
stock;

the entry of a new competitor into one of the markets we serve;

speculation in the press or investment community;

investor perception of us and our industry;

changes in market valuations or earnings of similar companies;

announcements by us or our competitors of significant contracts, acquisitions, or strategic partnerships;

any future sales of our common stock or other securities;

additions or departures of key personnel; and

ability to file future SEC filings timely.

The stock markets have experienced extreme volatility in recent years from a variety of reasons that have been unrelated to the operating performance
of particular companies, including geopolitical, social, healthcare, and other events impacting the global stock markets generally.  These broad market
fluctuations may adversely affect the market price of our common stock.  In the past, following periods of volatility in the market price of a company’s
securities,  class  action  litigation  has  often  been  instituted  against  such  company.    Any  litigation  of  this  type  brought  against  us  could  result  in
substantial  costs  and  a  diversion  of  management’s  attention  and  resources,  which  would  harm  our  business,  results  of  operations,  and  financial
condition.

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If securities or industry analysts do not publish research or publish misleading or unfavorable research about our business, our stock price and
trading volume could decline.

The trading market for our common stock will depend in part on the research and reports that securities or industry analysts publish about us or our
business. If one or more analysts downgrade our stock or publishes misleading or unfavorable research about our business, our stock price would likely
decline. If one or more of these analysts ceases coverage of us or fails to publish reports on us regularly, demand for our stock could decrease, which
could cause our stock price or trading volume to decline.

We do not intend to pay dividends on our common stock and, consequently, your ability  to achieve a return on your investment  will depend on
appreciation in the price of our common stock.

We do not intend to declare and pay dividends on our common stock for the foreseeable future. We currently intend to invest our future earnings, if
any,  to  fund  our  growth,  to  develop  our  business,  and  to  potentially  fund  future  share  repurchases.  Therefore,  you  are  not  likely  to  receive  any
dividends on your common stock for the foreseeable future, and the success of an investment in shares of our common stock will depend upon any
future appreciation in their value. There is no guarantee that shares of our common stock will appreciate in value or even maintain the price at which
shareholders have purchased their shares.

ITEM 1B.         UNRESOLVED STAFF COMMENTS.

None.

ITEM 2.         PROPERTIES.

As of December 31, 2020, we operated or leased 816 patient care locations, comprised of 704 patient care clinics and 112 satellite locations, in 46
states  and  the  District  of  Columbia.  We  own  eight  buildings,  including  seven  buildings  that  house  a  patient  care  clinic  and  one  building  that  is
currently  unoccupied.  Our  patient  care  clinics  occupied  under  leases  have  terms  expiring  between  2021  and  2030.  Our  patient  care  clinics  average
approximately  3,200  square  feet  in  size.  In  total,  including  locations  relating  to  our  non-patient  care  businesses,  administrative,  and  fabrication
locations, as well as storage and other non-occupied space, we currently have 926 locations, of which 918 are under lease.

We believe our leased and owned facilities are adequate for carrying out our current and anticipated future O&P operations. We believe we will be
able  to  renew  such  leases  as  they  expire  or  find  comparable  or  alternative  space  on  commercially  suitable  terms.  See  Note  L  -  “Leases”  to  our
consolidated financial statements in this Annual Report on Form 10-K for additional information regarding our facilities leases.

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The following table sets forth the number of our patient care clinics and satellite locations in each state as of December 31, 2020:

 State
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
District of Columbia
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky

Patient
Care

Patient
Care

Patient
Care

     Locations

State

     Locations

State

     Locations

11
36
6
70
27
13
3
1
49
41
1
37
11
19
15
12

  Louisiana
  Maine
  Maryland
  Massachusetts
  Michigan
  Minnesota
  Mississippi
  Missouri
  Montana
  Nebraska
  Nevada
  New Hampshire
  New Jersey
  New Mexico
  New York
  North Carolina

  North Dakota
  Ohio
  Oklahoma
  Oregon

Pennsylvania
South Carolina
South Dakota

  Tennessee
  Texas
  Utah
  Virginia
  Washington
  West Virginia
  Wisconsin
  Wyoming

15
9
13
8
14
19
11
24
3
10
6
4
10
13
30
27

4
36
10
10
46
14
3
20
42
5
16
20
6
11
5

Other  leased  real  estate  holdings  include  our  distribution  facilities  in  Texas,  Nevada,  Georgia,  Illinois,  and  Pennsylvania  (ceased  operations  as  of
September 30, 2020), our corporate headquarters in Austin, Texas; the headquarters for our therapeutic solutions business in Reno, Nevada, which is
located within our Nevada distribution facility, and the headquarters for our distribution business, located within one of our two distribution facilities
in Alpharetta, Georgia.  We additionally operate twelve separate leased fabrication facilities that assist our patient care locations in the fabrication of
devices.  The fabrication facilities are located in the states of Alabama, Arizona, California, Colorado, Connecticut, Florida, Kansas, Tennessee, and
Texas.  Substantially all of our owned properties are pledged to collateralize bank indebtedness.  See Note M - “Long-Term Debt” to our consolidated
financial statements in this Annual Report on Form 10-K for additional information regarding our outstanding debt and related collateral.

ITEM 3.         LEGAL PROCEEDINGS.

From time to time we are subject to legal proceedings and claims which arise in the ordinary course of our business, and are also subject to additional
payments under business purchase agreements.  In the opinion of management, the amount of ultimate liability, if any, with respect to these actions
will not have a materially adverse effect on our consolidated financial position, liquidity, or results of our operations.

We operate in a highly regulated industry and receive regulatory agency inquiries from time to time in the ordinary course of our business, including
inquiries  relating  to  our  billing  activities.    No  assurance  can  be  given  that  any  discrepancies  identified  during  a  regulatory  review  will  not  have  a
material adverse effect on our consolidated financial statements.

ITEM 4.         MINE SAFETY DISCLOSURES.

Not applicable.

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PART II

ITEM 5.
OF EQUITY SECURITIES.

MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES

The following information in this Item 5 of this Annual Report on Form 10-K is not deemed to be “soliciting material” or to be “filed” with the U.S.
Securities and Exchange Commission (“SEC”) or subject to Regulation 14A or 14C under the Exchange Act or to the liabilities of Section 18 of the
Exchange Act, and will not be deemed to be incorporated by reference into any filing under the Securities Act of 1933 or the Exchange Act, except to
the extent we specifically incorporate it by reference into such a filing.

Market Information

Our common stock trades on the New York Stock Exchange under the symbol “HNGR.”

Holders

At February 17, 2021, there were approximately 149 holders of record of our 38,147,988 shares of outstanding common stock.

Dividend Policy

We have never paid cash dividends on our common stock and our Board of Directors intends to continue this policy for the foreseeable future. We plan
to  retain  earnings  for  use  in  our  business.  The  terms  of  our  credit  agreements  and  certain  other  agreements  limit  the  payment  of  dividends  on  our
common stock and such agreements are expected to continue to limit the payment of dividends in the future.

Any future determination to pay cash dividends will be at the discretion of our Board of Directors and will be dependent on our results of operations,
financial condition, contractual and legal restrictions, and any other factors deemed to be relevant.

Sales of Unregistered Securities

During the year ended December 31, 2020, we did not sell any securities that were unregistered under the Securities Act of 1933.

Issuer Purchases of Equity Securities

During the year ended December 31, 2020, we did not make any purchases of our common stock.

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STOCK PERFORMANCE CHART

The annual changes in the cumulative total shareholder return on our common stock for the five-year period shown in the graph below are based on the
assumption that $100 had been invested in our common stock, the Standard & Poor’s 500 Stock Index, the Standard & Poor’s Small Cap 600 Stock
Index, the Russell 2000 Stock Index, the Standard & Poor’s 500 Health Care Services Index, and the Standard & Poor’s 500 Health Care Facilities
Index on December 31, 2014, and that all quarterly dividends were reinvested at the average of the closing stock prices at the beginning and end of the
quarter. The total cumulative dollar returns shown on the graph represent returns that such investments would have had on December 31, 2020.

Hanger, Inc.
S&P 500 Index - Total Returns
S&P Small Cap 600 Index
Russell 2000 Index
S&P 500 Health Care Services Index
S&P 500 Health Care Facilities Index

2015
 100.00
 100.00
 100.00
 100.00
 100.00
 100.00

$
$
$
$
$
$

2016

 69.91
 111.96
 126.56
 121.31
 89.38
 101.75

$
$
$
$
$
$

$
$
$
$
$
$

As of December 31, 
2018
2017
 115.20
 130.42
 131.15
 123.76
 96.33
 154.38

 95.74
 136.40
 143.30
 139.08
 95.15
 117.11

$
$
$
$
$
$

2019
 167.85
 171.49
 161.03
 155.35
 112.16
 186.97

$
$
$
$
$
$

2020
 133.68
 203.04
 179.20
 186.36
 114.97
 202.24

$
$
$
$
$
$

Our stock price in 2016 was negatively impacted by our common stock’s suspension from trading on February 26, 2016 and subsequent delisting from
trading on the NYSE and the commencement of trading on February 29, 2016 on the OTC. Our stock was relisted on the NYSE on September 11,
2018.

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ITEM 6.         SELECTED FINANCIAL DATA.

The following tables set forth certain selected consolidated financial data for each of the years in the five-year period ended December 31, 2020, and is
derived  from  the  consolidated  financial  statements  of  Hanger,  Inc.  and  its  subsidiaries.  The  Consolidated  Financial  Statements  as  of  December  31,
2020 and 2019 and for each of the years in the three-year period ended December 31, 2020 are included in this Annual Report on Form 10-K. The
selected consolidated balance sheet data as of December 31, 2018, 2017, and 2016 and the consolidated statements of operations data for the years
ended December 31, 2017 and 2016 are derived from our consolidated financial statements, which are not included in this Annual Report on Form 10-
K.  The  selected  consolidated  financial  data  set  forth  below  is  qualified  in  its  entirety  by,  and  should  be  read  in  conjunction  with,  the  consolidated
financial statements and notes thereto and “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in this Annual
Report on Form 10-K.

Year Ended December 31, 

Consolidated Statements of Operations and
Comprehensive Income (Loss):

Net revenues (1)
Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization
Impairment of intangible assets
Income (loss) from operations

Interest expense, net
Loss on extinguishment of debt
Non-service defined benefit plan expense
Income (loss) from continuing operations before income
taxes
Provision (benefit) for income taxes

Income (loss) from continuing operations

Income from discontinued operations, net of income taxes

Net income (loss)

 Total other comprehensive loss
Comprehensive income (loss)

Basic Per Common Share Data:
Income (loss) from continuing operations
Income from discontinued operations, net of income taxes

Basic income (loss) per share

Shares used to compute basic per common share amounts

Diluted Per Common Share Data:
Income (loss) from continuing operations
Income from discontinued operations, net of income taxes

Diluted income (loss) per share

Shares used to compute diluted per common share amounts

$

$

$

$

$

$

$

$

2020

 1,001,150
 315,410
 351,191
 99,854
 118,764
 9,177
 34,847

$

2019

2017
2018
(in thousands, except per share amounts)
 1,098,046
 357,771
 372,225
 134,943
 118,065
 13,689
 35,925

$  1,040,769
 329,223
 361,090
 129,831
 109,342
 36,239
 39,259
 54,735
 (18,950)
 57,688

 1,048,760
 338,017
 364,089
 123,902
 109,552
 16,915
 36,455
 183
 59,647
 37,566
 16,998
 703

 —  

 —  

 71,907
 32,445

 —  

 632

 65,428
 34,258

 —  
 691

2016

$  1,042,054
 332,071
 363,537
 139,024
 106,438
 41,233
 44,887
 86,164
 (71,300)
 45,199
 6,031
 786

 38,830
 638
 38,192

 30,479
 2,954
 27,525

 4,380
 5,238
 (858)

 —  
$

 38,192
 (7,664)
 30,528

$

 —  
$

 27,525
 (8,020)
 19,505

$

 —  
$

 (858)
 (2,482)
 (3,340)

$

 —  

 736

 (77,374)
 27,297
 (104,671)

 (104,671)
 (246)
 (104,917)

 —  
$

$

 (0.02)

$
 —  
$

 (0.02)
 36,765

 (2.89)

$
 —  
$

 (2.89)
 36,271

 (0.02)

$
 —  
$

 (0.02)
 36,765

 (2.89)

$
 —  
$

 (2.89)
 36,271

 0.74

$
 —  
$

 0.74
 37,267

 0.72

$
 —  
$

 0.72
 38,065

 1.01

$
 —  
$

 1.01
 37,949

 0.99

$
 —  
$

 0.99
 38,598

32

 (123,316)
 (15,910)
 (107,406)
 935
 (106,471)
 (26)
 (106,497)

 (2.99)
 0.03
 (2.96)
 35,933

 (2.99)
 0.03
 (2.96)
 35,933

    
    
    
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
  
 
  
 
  
 
  
 
 
 
 
 
 
 
  
 
  
 
  
 
  
 
  
 
 
 
 
 
 
Table of Contents

Consolidated Balance Sheet Data:
Cash and cash equivalents
Working capital (2)
Total assets (2)
Total debt
Shareholders’ equity (deficit)

2020
 144,602
 129,292
 950,751
 503,097
 50,977

$
$
$
$
$

Year Ended December 31, 
2018

2019

2017

$
$
$
$
$

 74,419
 107,249
 842,253
 498,873
 9,504

$
$
$
$
$

 95,114
 154,626
 703,010
 510,673
 (21,924)

$
$
$
$
$

 1,508
 78,666
 640,423
 450,264
 (28,051)

$
$
$
$
$

2016

 7,157
 55,014
 755,104
 472,650
 65,414

(1) For the years ended December 31, 2020, 2019, and 2018, net revenues reflect the adoption of Accounting Standards Update (“ASU”) 2014-09,

Revenue from Contracts with Customers and related clarifying standards. Periods prior to 2018 have not been adjusted.

(2) As of December 31, 2020 and 2019, the balance sheet data reflects the adoption of ASU 2016-02, Leases and related clarifying standards. Periods

prior to 2019 have not been adjusted.

For further information regarding the comparability of the financial data presented in the tables above and factors that may impact the comparability of
future results, see “Management’s Discussion and Analysis of Financial Condition and Results of Operations,” as well as the consolidated financial
statements and notes included in this Annual Report and previously filed Annual Reports on Form 10-K.

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ITEM 7.         MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS.

Forward-Looking Statements

This  Annual  Report  on  Form  10-K  including  this  “Management’s  Discussion  and  Analysis  of  Financial  Condition  and  Results  of  Operations”  (or
“Management’s Discussion and Analysis”) contains statements that are forward-looking statements within the meaning of the federal securities laws.
Forward-looking  statements  include  information  concerning  our  liquidity  and  our  possible  or  assumed  future  results  of  operations,  including
descriptions  of  our  business  strategies.  These  statements  often  include  words  such  as  “believe,”  “expect,”  “project,”  “potential,”  “anticipate,”
“intend,” “plan,” “estimate,” “seek,”  “will,” “may,” “would,” “should,” “could,” “forecasts,” or similar words. These  statements  are  based on
certain assumptions that we have made in light of our experience in the industry as well as our perceptions of historical trends, current conditions,
expected future developments, and other factors we believe are appropriate in these circumstances. We believe these judgments are reasonable, but
you should understand that these statements are not guarantees of performance or results, and our actual results could differ materially from those
expressed in the forward-looking statements due to a variety of important factors, both positive and negative, that may be revised or supplemented in
subsequent reports.

These statements involve risks, estimates, assumptions, and uncertainties that could cause actual results to differ materially from those expressed in
these statements and elsewhere in this report.  These uncertainties include, but are not limited to, the financial and business impacts of the COVID-19
pandemic on our operations and the operations of our customers, suppliers, governmental and private payers, and others in the healthcare industry
and  beyond;  federal  laws  governing  the  health  care  industry;  governmental  policies  affecting  O&P  operations,  including  with  respect  to
reimbursement; failure to successfully implement a new enterprise resource planning system or other disruptions to information technology systems;
the  inability  to  successfully  execute  our  acquisition  strategy,  including  integration  of  recently  acquired  O&P  clinics  into  our  existing  business;
changes in the demand for our O&P products and services, including additional competition in the O&P services market; disruptions to our supply
chain;  our  ability  to  enter  into  and  derive  benefits  from  managed-care  contracts;  our  ability  to  successfully  attract  and  retain  qualified  O&P
clinicians; and other risks and uncertainties generally affecting the health care industry.

Readers  are  cautioned  that  all  forward-looking  statements  involve  known  and  unknown  risks  and  uncertainties  including,  without  limitation,  those
described in Item 1A. “Risk Factors” contained in this Annual Report on Form 10-K, some of which are beyond our control. Although we believe that
the assumptions underlying the forward-looking statements contained herein are reasonable, any of the assumptions could be inaccurate. Therefore,
there can be no assurance that the forward-looking statements included in this report will prove to be accurate. Actual results could differ materially
and adversely from those contemplated by any forward-looking statement. In light of the significant risks and uncertainties inherent in the forward-
looking statements included herein, the inclusion of such information should not be regarded as a representation by us or any other person that our
objectives  and  plans  will  be  achieved.  We  undertake  no  obligation  to  publicly  release  any  revisions  to  any  forward-looking  statements  in  this
discussion to reflect events and circumstances occurring after the date hereof or to reflect unanticipated events. Forward-looking statements and our
liquidity, financial condition, and results of operations may be affected by the risks set forth in Item 1A. “Risk Factors” or by other unknown risks and
uncertainties.

Non-GAAP Measures

We refer to certain financial measures and statistics that are not in accordance with accounting principles generally accepted in the United States of
America (“GAAP”). We utilize these non-GAAP measures in order to evaluate the underlying factors that affect our business performance and trends.
These non-GAAP measures should not be considered in isolation and should not be considered superior to, or as a substitute for, financial measures
calculated in accordance with GAAP. We have defined and provided a reconciliation of these non-GAAP measures to their most comparable GAAP
measures. The non-GAAP measure used in this Management’s Discussion and Analysis is as follows:

Same  Clinic  Revenues  Per  Day -  measures  the  year-over-year  change  in  revenue  from  clinics  that  have  been  open  a  full  calendar  year  or  more.
Examples of clinics not included in the same center population are closures and acquisitions. Day-adjusted growth normalizes sales for the number
of days a clinic was open in each comparable period.

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Overview

Business Overview

General

We are a leading national provider of products and services that assist in enhancing or restoring the physical capabilities of patients with disabilities or
injuries, and we and our predecessor companies have provided O&P services for nearly 160 years. We provide O&P services, distribute O&P devices
and  components,  manage  O&P  networks,  and  provide  therapeutic  solutions  to  patients  and  businesses  in  acute,  post-acute,  and  clinic  settings.  We
operate through two segments - Patient Care and Products & Services.

Our Patient Care segment is primarily comprised of Hanger Clinic, which specializes in the design, fabrication, and delivery of custom O&P devices
through 704 patient care clinics and 112 satellite locations in 46 states and the District of Columbia, as of December 31, 2020. We also provide payor
network contracting services to other O&P providers through this segment.

Our  Products  &  Services  segment  is  comprised  of  our  distribution  services  and  therapeutic  solutions  businesses.  As  a  leading  provider  of  O&P
products in the United States, we engage in the distribution of a broad catalog of O&P parts, componentry, and devices to independent O&P providers
nationwide.  The  other  business  in  our  Products  &  Services  segment  is  our  therapeutic  solutions  business,  which  develops  specialized  rehabilitation
technologies and provides evidence-based clinical programs for post-acute rehabilitation to patients at approximately 4,000 skilled nursing and post-
acute providers nationwide.

For the years ended December 31, 2020, 2019, and 2018, our net revenues were $1,001.2 million, $1,098.0 million, and $1,048.8 million, respectively.
We  recorded  net income  of $38.2 million  and $27.5 million  for the years ended December  31, 2020 and 2019, respectively,  and a net loss of $0.9
million for the year ended December 31, 2018.

Industry Overview

We estimate that approximately $4.3 billion is spent in the United States each year for prescription-based O&P products and services through O&P
clinics. We believe our Patient Care segment currently accounts for approximately 21% of the market, providing a comprehensive portfolio of orthotic,
prosthetic, and post-operative solutions to patients in acute, post-acute, and patient care clinic settings.

The  O&P  patient  care  services  market  in  the  United  States  is  highly  fragmented  and  is  characterized  by  regional  and  local  independent  O&P
businesses operated predominantly by independent operators, but also including two O&P product manufacturers with substantial international patient
care services operations.  We do not believe that any single competitor accounts for 2% or more of the nation’s total estimated O&P clinic revenues.

The  industry  is  characterized  by  stable,  recurring  revenues,  primarily  resulting  from  new  patients  as  well  as  the  need  for  periodic  replacement  and
modification of O&P devices. We anticipate that the demand for O&P services will continue to grow as the nation’s population increases, and as a
result  of  several  trends,  including  the  aging  of  the  U.S.  population,  there  will  be  an  increase  in  the  prevalence  of  disease-related  disability  and  the
demand  for  new  and  advanced  devices.  We  believe  the  typical  replacement  time  for  prosthetic  devices  is  three  to  five  years,  while  the  typical
replacement time for orthotic devices varies, depending on the device.

We estimate that approximately $1.8 billion is spent in the United States each year by providers of O&P patient care services for the O&P products,
components, devices, and supplies used in their businesses. Our Products & Services segment distributes to independent providers of O&P services.
We estimate that our distribution sales account for approximately 9% of the market for O&P products, components, devices, and supplies (excluding
sales to our Patient Care segment).

We estimate the market for rehabilitation technologies, integrated clinical programs, and clinician training in skilled nursing facilities (“SNFs”) to be
approximately $150 million annually. We currently provide these products and services to approximately 25% of the estimated 15,000 SNFs located in
the U.S. We estimate the market for rehabilitation technologies, clinical programs, and training within the broader post-acute rehabilitation markets to
be approximately $400 million annually. We do not currently provide a meaningful amount of products and services to this broader market.

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Business Description

Patient Care

Our Patient Care segment employs approximately 1,600 clinical prosthetists, orthotists, and pedorthists, which we refer to as clinicians, substantially
all of which are certified by either the American Board for Certification (“ABC”) or the Board of Certification of Orthotists and Prosthetists, which are
the two boards that certify O&P clinicians. To facilitate timely service to our patients, we also employ technicians, fitters, and other ancillary providers
to assist our clinicians in the performance of their duties. Through this segment, we additionally provide network contracting services to independent
providers of O&P.

Patients are typically referred to Hanger Clinic by an attending physician who determines a patient’s treatment and writes a prescription. Our clinicians
then consult with both the referring physician and the patient with a view toward assisting in the selection of an orthotic or prosthetic device to meet
the patient’s needs. O&P devices are increasingly technologically advanced and custom designed to add functionality and comfort to patients’ lives,
shorten the rehabilitation process, and lower the cost of rehabilitation.

Based on the prescription written by a referring physician, our clinicians examine and evaluate the patient and either design a custom device or, in the
case of certain orthotic needs, utilize a non-custom device, including, in appropriate circumstances, an “off the shelf” device, to address the patient’s
needs. When fabricating a device, our clinicians ascertain the specific requirements, componentry, and measurements necessary for the construction of
the device. Custom devices are constructed using componentry provided by a variety of third party manufacturers that specialize in O&P, coupled with
sockets and other elements that are fabricated by our clinicians and technicians, to meet the individual patient’s physical and ambulatory needs. Our
clinicians and technicians typically utilize castings, electronic scans, and other techniques to fabricate items that are specialized for the patient. After
fabricating the device, a fitting process is undertaken and adjustments are made to ensure the achievement of proper alignment, fit, and patient comfort.
The fitting process often involves several stages to successfully achieve desired functional and cosmetic results.

Given the differing physical weight and size characteristics, location of injury or amputation, capability for physical activity and mobility, cosmetic,
and other needs of each individual patient, each fabricated prosthesis and orthosis is customized for each particular patient. These custom devices are
commonly fabricated at one of our regional or national fabrication facilities.

We  have  earned  a  reputation  within  the  O&P  industry  for  the  development  and  use  of  innovative  technology  in  our  products,  which  has  increased
patient comfort and capability and can significantly enhance the rehabilitation process.  We utilize multiple scanning and imaging technologies in the
fabrication process, depending on the patient’s individual needs, including our proprietary Insignia scanning system.  The Insignia system scans the
patient and produces an accurate computer-generated image, resulting in a faster turnaround for the patient’s device and a more professional overall
experience.

In  recent  years,  we  have  established  a  centralized  revenue  cycle  management  organization  that  assists  our  clinics  in  pre-authorization,  patient
eligibility, denial management, collections, payor audit coordination, and other accounts receivable processes.

The principal reimbursement sources for our services are:

● Commercial  private  payors  and  other  non-governmental  organizations,  which  consist  of  individuals,  rehabilitation  providers,  commercial
insurance  companies,  health  maintenance  organizations  (“HMOs”),  preferred  provider  organizations  (“PPOs”),  hospitals,  vocational
rehabilitation centers, workers’ compensation programs, third party administrators, and similar sources;

● Medicare, a federally funded health insurance program providing health insurance coverage for persons aged 65 or older and certain persons

with disabilities;

● Medicaid,  a  health  insurance  program  jointly  funded  by  federal  and  state  governments  providing  health  insurance  coverage  for  certain
persons  requiring  financial  assistance,  regardless  of  age,  which  may  supplement  Medicare  benefits  for  persons  aged  65  or  older  requiring
financial assistance; and

●

the VA.

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We typically enter into contracts with third party payors that allow us to perform  O&P services  for a referred  patient  and to be reimbursed for our
services.  These contracts usually have a stated term of one to three years and generally may be terminated without cause by either party on 60 to 90
days’  notice,  or  on  30  days’  notice  if  we  have  not  complied  with  certain  licensing,  certification,  program  standards,  Medicare  or  Medicaid
requirements, or other regulatory requirements. Reimbursement for services is typically based on a fee schedule negotiated with the third party payor
that  reflects  various  factors,  including  market  conditions,  geographic  area,  and  number  of  persons  covered.  Many  of  our  commercial  contracts  are
indexed to the commensurate Medicare fee schedule that relates to the products or services being provided.

Government reimbursement is comprised of Medicare, Medicaid, and the VA. These payors set maximum reimbursement levels for O&P services and
products.  Medicare  prices  are  adjusted  each  year  based  on  the  Consumer  Price  Index  for  All  Urban  Consumers  (“CPI-U”)  unless  Congress  acts  to
change or eliminate the adjustment. The CPI-U is adjusted further by an efficiency factor known as the “Productivity Adjustment” or the “Multi-Factor
Productivity Adjustment” in order to determine the final rate adjustment each year. There can be no assurance that future adjustments will not reduce
reimbursements for O&P services and products from these sources.

We,  and  the  O&P  industry  in  general,  are  subject  to  various  Medicare  compliance  audits,  including  Recovery  Audit  Contractor  (“RAC”)  audits,
Comprehensive  Error  Rate  Testing  (“CERT”)  audits,  Targeted  Probe  and  Educate  (“TPE”)  audits,  Supplemental  Medical  Review  Contractor
(“SMRC”) audits, and Unified Program Integrity Contractor (“UPIC”) audits.  TPE audits are generally pre-payment audits, while RAC, CERT, and
SMRC audits are generally post-payment audits.  UPIC audits can be both pre- or post-payment audits, with a majority currently pre-payment.  TPE
audits  replaced  the  previous  Medicare  Administrative  Contractor  audits.    Adverse  post-payment  audit  determinations  generally  require  Hanger  to
reimburse  Medicare  for  payments  previously  made,  while  adverse  pre-payment  audit  determinations  generally  result  in  the  denial  of  payment.    In
either case, we can request a redetermination or appeal, if we believe the adverse determination is unwarranted, which can take an extensive period of
time to resolve, currently up to six years or more.

Products & Services

Through  our  wholly-owned  subsidiary,  Southern  Prosthetic  Supply,  Inc.  (“SPS”),  we  distribute  O&P  components  to  independent  O&P  clinics  and
other customers. Through our wholly-owned subsidiary, Accelerated Care Plus Corp. (“ACP”), our therapeutic solutions business is a leading provider
of rehabilitation  technologies and integrated clinical programs to skilled nursing and post-acute rehabilitation providers. Our value proposition is to
provide our customers with a full-service “total solutions” approach encompassing proven medical technology, evidence-based clinical programs, and
ongoing consultative education and training. Our services support increasingly advanced treatment options for a broader patient population and more
medically  complex  conditions.  We  currently  serve  approximately  4,000  skilled  nursing  and  post-acute  providers  nationwide.  Through  our  SureFit
subsidiary, we also manufacture  and sell therapeutic  footwear for diabetic  patients  in the podiatric  market.  We also operate  the Hanger Fabrication
Network, which fabricates custom O&P devices for our patient care clinics, as well as for independent O&P clinics.

Through  our  internal  “supply  chain”  organization,  we  purchase,  warehouse,  and  distribute  over  475,000  SKUs  from  more  than  300  different
manufacturers  through  SPS or  directly  to  our  own clinics  within  our  Patient  Care  segment.    Our  warehousing  and  distribution  facilities  in  Nevada,
Georgia,  Illinois,  and  Texas  provide  us  with  the  ability  to  deliver  products  to  the  vast  majority  of  our  customers  in  the  United  States  within  two
business days.  The distribution facility we formerly operated in Pennsylvania ceased operations in September 2020.

Our supply chain organization enables us to:

●

●

●

●

●

centralize our purchasing and thus lower our material costs by negotiating purchasing discounts from manufacturers;

better manage our patient care clinic inventory levels and improve inventory turns;

improve inventory quality control;

encourage our patient care clinics to use the most clinically appropriate products; and

coordinate new product development efforts with key vendors.

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Effects of the COVID-19 Pandemic

Beginning in the last two weeks of March 2020, our business volumes began to be adversely affected by the COVID-19 pandemic.  As federal, state,
and local authorities implemented social distancing and suppression measures to respond to an increasing number of nationwide COVID-19 infections,
we  experienced  a  decrease  in  our  patient  appointments  and  general  business  volumes.    In  response,  during  the  last  week  of  March  2020,  we  made
certain changes to our operations, implemented a broad number of cost reduction measures, and delayed certain capital investment projects.  Although
our business volumes have shown gradual improvement from their initial significant decline, the adverse impact of the COVID-19 pandemic on our
business  continued  throughout  2020  and  continues  in  early  2021.    These  volume  effects  and  our  operating  responses  are  discussed  further  in  this
section, and the effects  of COVID-19 on our financial  condition  is discussed in the “Financial  Condition, Liquidity and Capital Resources” section
below.

Effect on Business Volumes

During  the  three-month  periods  ending  March  31,  2020,  June  30,  2020,  September  30,  2020,  and  December  31,  2020,  patient  appointments  in  our
clinics  declined  by  approximately  3%,  33%,  16%,  and  12%,  respectively,  as  compared  to  their  corresponding  periods  in  2019.    For  the  full  year,
patient appointments declined by 17% as compared with the prior year period as a result of the COVID-19 pandemic.  Throughout the pandemic, we
experienced  a  relatively  lower  decline  in  prosthetic  patient  volumes  as  compared  with  orthotic  patient  volumes.    Given  the  higher  relative  price  of
prosthetic devices this resulted in a more favorable product mix, and same-clinic revenues within our Patient Care segment declined at a lower rate
than patient appointments, reflecting decreases of 3.2%, 18.6%, 10.3%, and 10.6%, on a per day basis, for the first, second, third, and fourth quarter,
respectively.  As of the end of December 2020, we had temporarily closed 8 patient care clinics and another 56 clinics were open for reduced hours or
by appointment only.  We believe the generally more acute nature of conditions that lead to the need for prosthetics, the patient age demographics, and
the  relatively  greater  impact  that  the  absence  of  access  to  these  devices  can  have  on  a  patient’s  daily  life  were  the  primary  reasons  that  led  to  the
relatively  lower  decline  in  prosthetic  patients  as  compared  with  orthotic  patients  in  our  Patient  Care  segment  during  the  period.    Billings  for
componentry  delivered  to  independent  providers  of  orthotics  and  prosthetics  by  our  distribution  services  business  decreased  by  approximately  5%,
30%, 10%, and 8% for the first, second, third, and fourth quarters of 2020, respectively.  Our business volumes associated with therapeutic solutions
have also been adversely affected due to access restrictions our skilled nursing facility clients have implemented at their facilities in response to the
COVID-19  pandemic.    Due  to  significant  geographic  product  mix  and  timing  differences,  there  can  be  no  assurance  that  these  volumes  or  billing
amounts will be reflective of our future results and are solely provided for the purposes of giving context to the magnitude of the effect of the COVID-
19 pandemic on our business during the fourth quarter.

In the early months of 2021, vaccines for combating COVID-19 were approved by the US Food and Drug Administration, and the US government
began a phased roll out of these vaccines.  However, the initial quantities of the vaccines have been limited, and the US government has prioritized
distribution to front-line health care workers and other essential workers, followed by individual populations that are most susceptible to the severe
effects of COVID-19.  We currently believe full administration of the vaccine to the broader population is unlikely to occur until the second half of
2021.    Given  the  continuing  impact  of  restrictions  to  mitigate  the  spread  of  COVID-19  and  unknown  challenges  with  regards  to  the  effectiveness,
distribution, and acceptance of COVID-19 vaccines, we believe that the COVID-19 pandemic will continue to affect our business volumes in 2021
when  compared  to  pre-  pandemic  levels.    These  adverse  effects  will  primarily  be  the  result  of  anticipated  continuing  governmental  measures  to
suppress the virus to address periods and locations of virus mutation and reemergence, adverse economic consequences to our patients, and the general
lack of normalcy in the willingness of individuals to engage in activities that might increase their likelihood of their exposure to the virus.

Nevertheless, we do believe that the overall adverse impact will diminish over time, and that our patient appointment and other business volumes will
gradually improve as the prevalence of the virus decreases and social distancing, masking, and testing measures become more routine, and infection
risks subside following the widespread distribution of COVID-19 vaccines.  Additionally, we believe that if a patient is initially unable or unwilling to
come to one of our clinics to receive their prosthetic or orthotic device then their ultimate need for that device is not likely to change, and that we could
accordingly have some favorable volume recovery effect in future periods as the impacts of the COVID-19 pandemic subsides.

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Operating and Cost Reduction Responses

Throughout  the  periods  affected  by  the  COVID-19  pandemic,  given  that  our  services  are  considered  essential,  we  have  continued  to  operate  our
businesses.  However, due to the risks posed to our clinicians, other employees, and patients, we have made certain changes to our operating practices
in  order  to  promote  safety  and  to  minimize  the  risk  of  virus  transmission.    These  have  included  the  implementation  of  certain  patient  screening
protocols and the relocation of certain administrative and support personnel to a “work at home” environment.  We have also changed the operating
days and hours of certain of our clinics to adapt to changes in patient volumes.

Normally, only our material costs and portions of our incentive compensation expenses vary directly with changes in our business volumes from one
period to the next.  This has been due in part to our historical practice of maintaining full-time staffing levels for clinicians and non-exempt employees
in our clinic and support operations.  This operating practice has been necessitated by our desire to provide high levels of accessibility and service to
our patients.

As a result of the COVID-19 pandemic, we found it necessary to reduce our personnel costs in response to significant decreases in business volumes.
 Commencing at the start of April 2020, personnel cost reductions were implemented through (i) an average 32% decrease in the salaries of all of our
exempt employees, the percentage of which varied from lower amounts for lower salaried employees up to reduction amounts ranging from 47% to
100% for our senior leadership team; (ii) the furloughing of certain employees on a voluntary and involuntary basis; (iii) the reduction of work hours
for non-exempt employees; (iv) modification of bonus, commission, and other variable incentive plans; (v) the reduction of overtime expenses; (vi) the
elimination of certain open positions; (vii) a reduction in the use of contract employees, and (viii) the temporary suspension of certain auto allowances.
 We  initially  communicated  to  our  employees  that  reductions  of  exempt  employee  salaries  could  continue  for  up  to  a  six  month  period  ending  on
October 2, 2020 (the “Reduction Period”).  Due to the trends in our business volumes discussed in the Effect on Business Volumes section, on June 8,
2020, and July 11, 2020 we reinstated approximate one-third portions of the salary reduction for our exempt employees, resulting in an average 11%
decrease in salaries for the remainder  of the Reduction Period and, finally, effective  September 19, 2020, we reinstated the remainder of the salary
reduction for our exempt employees.  Throughout the Reduction Period, the salary reductions of our senior leadership team ranged from 15% to 100%,
prior to the full reinstatement of all exempt employees’ salaries in September 2020.  Our decision to reduce employee wages rather than to implement
a more permanent reduction in force was based on our preference to collectively share in the financial hardships caused by the COVID-19 pandemic
rather  than  to  subject  portions  of  our  workforce  to  the  full  financial  burden.    Additionally,  we  believe  this  approach  allowed  us  to  retain  as  many
employees as possible to preserve the experience, culture, and patient service capabilities of our workforce for periods subsequent to the COVID-19
pandemic.   We  have  not  implemented  changes  to  employee  benefits,  nor  do  we currently  intend  to  suspend  our  annual  employer  401(k)  match  for
2020, which we expect to pay in mid-March 2021.

We have undertaken other reductions to our other operating expenses.  However, our largest category of operating expense, rent, utilities, and facilities
maintenance, which amounted to $66.9 million during the twelve months ended December 31, 2020, has proven difficult to meaningfully reduce in
response to the pandemic.

Excluding  reductions  in  componentry  costs,  which  varied  in  a  corresponding  fashion  with  decreases  in  revenue,  these  cost  reduction  measures
provided  operating  cost  savings  in  the  approximate  amounts  of  $35 million  and  $16  million  in  the  second  and  third  quarters  of  2020, respectively.
 These expense savings were temporary  in nature.  Due to the fact that, as of September  2020, we reinstated  the salary reductions  and reduced the
number of employees on furlough, our personnel costs in the fourth quarter of 2020 increased to levels more consistent with the historical periods prior
to the COVID-19 pandemic.

In  addition  to  these  reductions  in  operating  expenses,  we  elected  to  temporarily  delay  the  implementation  of  our  new  supply  chain  and  financial
systems, further discussed in the “New Systems Implementations” section.  We also suspended construction of our new fabrication facility in Tempe,
Arizona, and other projects related to the reconfiguration of our distribution facilities. We anticipate that we will recommence these activities in the
second quarter of 2021. These actions correspondingly delayed portions of our achievement of the financial benefits expected from them into future
periods.

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While we endeavored to rapidly reduce our expenses in response to decreases in patient and business volumes, given that a substantial portion of our
operating expenses are nevertheless fixed in nature, and we have ongoing interest costs associated with our indebtedness, we did not fully offset the
adverse  earnings  effect  associated  with  lost  revenue  during  2020.    Nevertheless,  as  discussed  in  the  “Financial  Condition,  Liquidity  and  Capital
Resources” section below, we do believe that our operating expense and capital project reductions, when accompanied by additional cash sources, cost
mitigation, and liquidity management strategies, will enable us to maintain positive liquidity throughout 2021 and the foreseeable future.

CARES Act

The CARES Act established the Public Health and Social Services Emergency Fund, also referred to as the Cares Act Provider Relief Fund, which set
aside  $178.0  billion  to  be  administered  through  grants  and  other  mechanisms  to  hospitals,  public  entities,  not-for-profit  entities  and  Medicare-  and
Medicaid-  enrolled  suppliers  and  institutional  providers.    The  purpose  of  these  funds  is  to  reimburse  providers  for  lost  revenue  attributable  to  the
COVID-19 pandemic, such as lost revenues attributable to canceled procedures, as well as to provide support for health-care related expenses.  In April
2020, HHS began making payments to healthcare providers from the $178.0 billion appropriation.  These are grants, rather than loans, to healthcare
providers, and will not need to be repaid.

During  2020,  we  recognized  a  total  benefit  of  $24.0  million  in  our  consolidated  statement  of  operations  within  Other  operating  costs  for  the  grant
proceeds we received under the CARES Act (“Grants”) from HHS.

Other Products & Services Performance Considerations

As  discussed  in  our  2019  Form  10-K,  under  Item  7,  “Management’s  Discussion  and  Analysis  of  Financial  Condition  and  Results  of  Operations”,
several of the larger independent O&P providers we served through the distribution of componentry encountered financial difficulties during the year
ended  December  31,  2020,  which  resulted  in  our  discontinuing  distribution  services  to  these  customers.    Generally,  we  believe  our  distribution
customers encounter reimbursement pressures similar to those we experience in our own Patient Care segment and, depending on their ability to adapt
to the increased claims documentation standards that have emerged in our industry, this may either limit the rate of growth of some of our customers,
or  otherwise  affect  the  rate  of  growth  we  experience  in  our  distribution  of  O&P  componentry  to  independent  providers.    During  future  periods,  in
addition  to  the  adverse  effects  of  the  COVID-19  pandemic  discussed  above,  we  currently  believe  our  rate  of  revenue  growth  in  this  segment  may
decrease  as  we  choose  to  limit  the  extent  to  which  we  distribute  certain  low  margin  orthotic  products.    Additionally,  to  the  extent  that  we  acquire
independent  O&P  providers  who  are  preexisting  customers  of  our  distribution  services,  our  revenue  growth  in  this  segment  would  be  adversely
affected as we would no longer recognize external revenue from the components we provide them.

Within our Products & Services segment, in addition to our distribution of products, we provide therapeutic equipment and services to patients at SNFs
and other healthcare provider locations.  Since 2016, a number of our clients, including several of our larger SNF clients, have been discontinuing their
use of our therapeutic  services.  We believe these discontinuances  relate primarily to their overall efforts to reduce the costs they bear for therapy-
related  services  within  their  facilities.    As  a  part  of  those  terminations  of  service,  in  a  number  of  cases,  we  elected  to  sell  terminating  clients  the
equipment  that  we  had  utilized  for  their  locations.    Within  this  portion  of  our  business,  we  have  and  continue  to  respond  to  these  historical  trends
through the expansion of our products and services offerings.

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Reimbursement Trends

In  our  Patient  Care  segment,  we  are  reimbursed  primarily  through  employer-based  plans  offered  by  commercial  insurance  carriers,  Medicare,
Medicaid,  and  the  VA.  The  following  is  a  summary  of  our  payor  mix,  expressed  as  an  approximate  percentage  of  net  revenues  for  the  periods
indicated:

For the Years Ended December 31, 
2019

2020

2018

Medicare
Medicaid
Commercial Insurance / Managed Care (excluding Medicare and Medicaid Managed Care)
Veterans Administration
Private Pay

Patient Care

 32.3 %  
 16.2 %  
 35.7 %  
 9.2 %  
 6.6 %  
 100.0 %  

 31.9 %  
 15.8 %  
 35.8 %  
 9.8 %  
 6.7 %  
 100.0 %  

 31.9 %
 15.5 %
 37.0 %
 9.1 %
 6.5 %
 100.0 %

Patient  Care  constituted  83.1%,  82.5%,  and  81.8%  of  our  net  revenues  for  the  year  ended  December  31,  2020,  2019,  and  2018,  respectively.  Our
remaining  net  revenues  were  provided  by  our  Products  &  Services  segment  which  derives  its  net  revenues  from  commercial  transactions  with
independent O&P providers, healthcare facilities, and other customers. In contrast to net revenues from our Patient Care segment, payment for these
products and services are not directly subject to third party reimbursement from health care payors.

The amount of our reimbursement varies based on the nature of the O&P device we fabricate for our patients. Given the particular physical weight and
size characteristics, location of injury or amputation, capability for physical activity, and mobility, cosmetic, and other needs of each individual patient,
each fabricated prostheses and orthoses is customized for each particular patient. The nature of this customization and the manner by which our claims
submissions are reviewed by payors makes our reimbursement process administratively difficult.

To receive reimbursement for our work, we must ensure that our clinical, administrative, and billing personnel receive and verify certain medical and
health  plan  information,  record  detailed  documentation  regarding  the  services  we  provide,  and  accurately  and  timely  perform  a  number  of  claims
submission and related administrative tasks.  It is our belief the increased nationwide efforts to reduce health care costs has driven changes in industry
trends with increases in payor pre-authorization processes, documentation requirements, pre-payment reviews, and pre- and post-payment audits, and
our  ability  to  successfully  undertake  these  tasks  using  our  traditional  approach  has  become  increasingly  challenging.    For  example,  the  Medicare
contractor  for  Pricing,  Data  Analysis  and  Coding (referred  to  as  “PDAC”) recently  announced  verification  requirements  and  code  changes  that  has
reduced the reimbursement level for certain prosthetic feet, and the VA is in the process of reassessing the method it uses to determine reimbursement
levels for O&P services and products provided under certain miscellaneous codes.

A measure of our effectiveness in securing reimbursement for our services can be found in the degree to which payors ultimately disallow payment of
our claims. Payors can deny claims due to their determination that a physician who referred a patient to us did not sufficiently document that a device
was medically necessary or clearly establish the ambulatory (or “activity”) level of a patient. Claims can also be denied based on our failure to ensure
that a patient was currently eligible under a payor’s health plan, that the plan provides full O&P benefits, that we received prior authorization, or that
we filed or appealed the payor’s determination timely, as well as on the basis of our coding, failure by certain classes of patients to pay their portion of
a claim, or for various other reasons. If any portion of, or administrative factor within, our claim is found by the payor to be lacking, then the entirety
of the claim amount may be denied reimbursement.

During the past five years we have taken a number of actions to manage payor disallowance trends.  These initiatives included: (i) the creation of a
central  revenue  cycle  management  function;  (ii)  the  implementation  of  a  patient  management  and  electronic  health  record  system;  and  (iii)  the
establishment of new clinic-level procedures and training regarding the collection of supporting documentation and the importance of diligence in our
claims submission processes.

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Payor  disallowances  is  considered  an  adjustment  to  the  transaction  price.    Estimated  uncollectible  amounts  due  to  us  by  patients  are  generally
considered implicit  price concessions and are presented as a reduction  of net revenues.  These amounts recorded  in net revenues within the Patient
Care segment for the years ended December 31, 2020, 2019, and 2018 are as follows:

(dollars in thousands)
Gross charges
Less estimated implicit price concessions arising from:

Payor disallowances
Patient non-payments

Payor disallowances and patient non-payments

Net revenues

Payor disallowances
Patient non-payments

Payor disallowances, patient non-payments, and bad debt expense

Payor disallowances %
Patient non-payments %

Percent of gross charges

Our accounts receivable balances for 2016 through 2020 were as follows:

$

$
$

$

$

For the Years Ended December 31, 
2019
 956,852

2020
 870,575

$

$

2018
 900,035

 30,875
 8,097
 38,972
 831,603

 30,875
 8,097
 38,972

$
$

$

$

 40,581
 10,580
 51,161
 905,691

 40,581
 10,580
 51,161

$
$

$

$

 38,410
 4,243
 42,653
 857,382

 38,410
 4,243
 42,653

 3.5 %    
 1.0 %    
 4.5 %    

 4.2 %    
 1.1 %    
 5.3 %    

 4.3 %
 0.4 %
 4.7 %

(dollars in thousands)
Gross charges before estimates for implicit price concessions
Less estimates for implicit price concessions:

Payor disallowances
Patient non-payments
Accounts receivable, gross

Allowance for doubtful accounts

Accounts receivable, net

Payor disallowances %
Patient non-payments %
Allowance for doubtful accounts %

Total allowance %

Revenue Cycle Management

2020
 177,804

$

 (39,343)
 (7,042)
 131,419
 (2,823)
 128,596

$

2019
 229,683

 (58,094)
 (9,589)
 162,000
 (2,641)
 159,359

$

$

As of December 31, 
2018
 206,880

$

$

2017
 216,644

2016
 221,220

$

 (53,378)
 (7,244)
 146,258
 (2,272)
 143,986

 (56,233)

 —  

 160,411
 (14,065)
 146,346

$

$

 (61,137)
 —
 160,083
 (15,521)
 144,562

$

 22.1 %    
 4.0 %    
 1.6 %    
 27.7 %    

 25.3 %    
 4.2 %    
 1.1 %    
 30.6 %    

 25.8 %    
 3.5 %    
 1.1 %    
 30.4 %    

 26.0 %    
 — %    
 6.5 %    
 32.5 %    

 27.6 %
 — %
 7.0 %
 34.6 %

Prior  to  2014,  in  our  Patient  Care  segment,  we  performed  our  eligibility,  patient  pre-authorization,  patient  documentation,  claims  coding,  claims
submission, collection, cash application, and claims audit support activities (our “revenue cycle management” functions) primarily on a decentralized
location by location basis.  Due to the increases experienced in payor disallowances, as well as to address certain procedural requirements of our new
patient  management  and  electronic  health  record  system  and  to  otherwise  improve  the  effectiveness  of  our  revenue  cycle  management  functions,
during 2014 we commenced the process of establishing a centralized revenue cycle management organization with the strategy to gradually transition
these functions from our decentralized clinics to a centralized organization.  We have continued to expand this initiative through fiscal year 2020.

As  discussed  in  the  “Reimbursement  Trends”  section  above,  we  have  experienced  decreases  in  our  payor  disallowances  subsequent  to  the
establishment of our revenue cycle management function when compared to 2014.  In addition to other training and claims documentation initiatives,
we believe  that decreases  we have experienced  in payor disallowances  (as  well as our overall  accounts  receivables  balances)  are  due in part  to our
revenue cycle management initiative.

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Clinic-Level Claims Documentation

In addition to the revenue cycle management  and electronic  health record  and patient  management  systems initiatives  discussed above, in 2016 we
commenced more intensive training and increased our internal clinic-level emphasis on the importance of adherence to procedural and documentation
standards.    The  lack  of  sufficient  documentation  establishing  medical  necessity  and  a  patient’s  degree  of  ability  for  future  activity  is  a  key  factor
utilized  by  payors  when  denying  our  claims  for  reimbursement.    Irrespective  of  a  patient’s  need  and  the  existence  of  a  referral  from  the  treating
physician,  we  have  found  it  increasingly  necessary  to  retrieve  other  supporting  documentation  and  notes  from  referring  physicians  themselves  to
further justify and document their medical determinations relating to the patients they refer to us.  Given that these referring physicians do not work for
us, the retrieval of this additional information to suit payors can be difficult and time-consuming.

We believe our efforts to increase our discipline through this clinic-level claims documentation initiative assisted us in further reducing the level of our
payor disallowances.  However, we also believe these efforts had a one-time indirect effect of reducing our overall revenue growth rate.  In addition to
other  factors  affecting  our same  clinic  sales  trends  in 2016 and early  2017, as clinicians  and their office  administrators  increased  their attention  on
achieving higher documentation standards, we believe we were able to see and treat fewer patients, thereby contributing to our reduced same clinic
patient care net revenue in those years.

We applied these procedural and documentation standards throughout 2020 and plan to continue to do so in 2021.  With the initial implementation
impact behind us, we do not believe the use of these standards was a significant factor on our year-over-year growth in 2020, nor do we expect them to
be in 2021.

Increasing Patient Responsibility for the Cost of Devices

The majority of our devices are provided as replacement devices to patients with devices that are broken or have become worn with age. Prosthetic
devices are typically replaced every three to five years. In recent years, an increasing number of employers have been shifting the cost burdens in their
health plans to employees through use of “high deductible” or “consumer-driven” health plans. These plan designs typically require the patient to bear
a greater portion of the cost of their care in exchange for a lower monthly premium. We believe the increased use of these plans has and will continue
to have the effect of causing patients to delay the replacement of their devices and could accordingly adversely impact our net revenue, and could also
negatively impact our net revenue through higher patient non-payments.

Favorable Settlements

For year ended December 31, 2018, our results of operations and net income benefited from the favorable resolution of two matters.

On  May  15,  2018,  we  received  a  net  favorable  settlement  of  $1.7  million  in  connection  with  our  long  standing  damage  claims  relating  to  the
“Deepwater Horizon” disaster, and the prior adverse effect which it had on our clinic operations along the Gulf Coast in April of 2010. We do not
anticipate further payments in connection with this matter as this settlement constituted a full and final satisfaction of our claims. The benefit of this
settlement has been recognized as a reduction to our general and administrative expenses for the year ended December 31, 2018.

On June 28, 2018, we entered into an agreement with the State of Delaware, and made payment, to satisfy all of the State’s abandoned or unclaimed
property  claims  transactions  represented  within  the  period  of  January  1,  2001  through  December  31,  2012  which  were  reportable  through
December 31, 2017 in the amount of $2.2 million. This agreed upon payment amount was favorable by $0.5 million to the amount we had previously
estimated for these liabilities and had the effect of reducing our general and administrative expenses by this amount for the year ended December 31,
2018.  Additionally,  under  the  terms  of  the  agreement,  we  were  not  required  to  pay  interest  on  the  previously  unremitted  cumulative  abandoned  or
unclaimed property relating to this twelve year period in the amount of $1.5 million, which had the effect of lowering our interest expense for the year
ended December 31, 2018 by this accrued interest amount.

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Acquisitions

During the first quarter of 2021, we completed the acquisitions of four O&P businesses for a total purchase price of $24.4 million.  Total consideration
transferred for these acquisitions is comprised of $19.3 million in cash consideration, $4.1 million in the form of notes to the former shareholders, and
$1.0 million in additional consideration that has been withheld pending resolution of certain matters agreed upon with the seller of one business.

During 2020, we completed the following acquisitions of O&P clinics, none of which were individually material to our financial position, results of
operations, or cash flows:

●

In the second quarter of 2020, we acquired all of the outstanding equity interests of an O&P business for total consideration of $46.2 million
at fair value, of which $16.8 million was cash consideration, net of cash acquired, $21.9 million was issued in the form of notes to the former
shareholders,  $3.5  million  in  the  form  of  a  deferred  payment  obligation  to  the  former  shareholders,  and  $4.0  million  in  additional
consideration.  Of the $21.9 million in notes issued to the former shareholders, approximately $18.1 million of the notes were paid in October
2020 in a lump sum payment and the remaining $3.8 million of the notes are payable in annual installments over a period of three years on
the anniversary date of the acquisition.  Total payments of $4.0 million under the deferred payment obligation are due in annual installments
beginning in the fourth year following the acquisition and for three years thereafter.  Additional consideration includes approximately $3.6
million  in  liabilities  incurred  to  the  shareholders  as  part  of  the  business  combination  payable  in  October  2020  and  is  included  in  Accrued
expenses  and  other  liabilities  in  the  consolidated  balance  sheet.    The  remaining  $0.4  million  in  additional  consideration  represents  the
effective settlement of amounts due to us from the acquired O&P business as of the acquisition date.  We completed the acquisition with the
intention of expanding the geographic footprint of our patient care offerings through the acquisition of this high quality O&P provider.

●

In  the  fourth  quarter  of  2020,  we  completed  the  acquisitions  of  all  the  outstanding  equity  interests  of  four  O&P  businesses  for  total
consideration of $7.1 million, of which $4.9 million was cash consideration, net of cash acquired, $1.9 million was issued in the form of notes
to shareholders at fair value, and $0.3 million in additional consideration.

During 2019, we completed the following acquisitions of O&P clinics, none of which were individually material to our financial position, results of
operations, or cash flows:

●

●

●

●

In the first quarter of 2019, we completed the acquisition of all the outstanding equity interests of an O&P business for total consideration of
$32.8  million,  of  which  $27.7  million  was  cash  consideration,  net  of  cash  acquired,  $4.4  million  was  issued  in  the  form  of  notes  to
shareholders at fair value, and $0.7 million in additional consideration.

In the second quarter of 2019, we completed the acquisition of all the outstanding equity interests of an O&P business for total consideration
of  $0.5  million,  of  which  $0.2  million  was  cash  consideration,  net  of  cash  acquired,  and  $0.3  million  was  issued  in  the  form  of  notes  to
shareholders at fair value.

In the third quarter of 2019, we completed the acquisition of all the outstanding equity interests of one O&P business and acquired the assets
of another O&P business for total consideration of $3.3 million, of which $3.0 million was cash consideration, net of cash acquired, and $0.3
million was issued in the form of notes to shareholders at fair value.

In the fourth quarter of 2019, we completed the acquisition of all the outstanding equity interests of one O&P business and acquired the assets
of another O&P business for total consideration of $7.8 million, of which $5.0 million was cash consideration, net of cash acquired, and $2.8
million was issued in the form of notes to shareholders at fair value.

Acquisition-related costs are included in general and administrative expenses in our consolidated statements of operations.  Total acquisition-related
costs incurred during the years ended December 31, 2020 and 2019 were $0.9 million and $1.5 million, respectively, which includes those costs for
transactions that are in progress or not completed during the respective period.  Acquisition-related costs incurred for acquisitions completed during
the years ended December 31, 2020 and 2019 were $0.6 million and $1.0 million, respectively.

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In  response  to  the  expected  economic  impact  of  the  COVID-19  pandemic,  we  implemented  certain  cost  mitigation  and  liquidity  management
strategies, including the temporary delay of our acquisitions of O&P providers, subject to certain conditions and thresholds in the first amendment to
our  Credit  Agreement  entered  into  in  May  2020,  except  that  certain  acquisitions  are  permitted  after  September  30,  2020,  in  the  event  we  maintain
certain  leverage  and  liquidity  thresholds.    During  the  fourth  quarter  of  2020,  we  recommenced  our  acquisition  of  O&P  providers.    Refer  to  the
“Financial Condition, Liquidity, and Capital Resources” section for additional discussion.

New Systems Implementations

In recent years, we have been undertaking the implementation of a new patient management and electronic health record system at our patient care
clinics, which we completed in the first quarter of 2019.  For the three month period ended March 31, 2019, we expensed $0.8 million in training,
travel, and related implementation costs.  For the years ended December 31, 2019 and 2018, we expensed $4.4 million, and $4.3 million, respectively,
for these implementation expenses.  As we undertake acquisitions of independent O&P providers, we intend to convert these acquired clinics to this
system in the ordinary course of our business.

During  2019,  we  commenced  the  design,  planning,  and  initial  implementation  of  new  financial  and  supply  chain  systems  (“New  Systems
Implementations”), and planned to invest in new servers and software that operate as a part of our technology infrastructure.  In connection with our
new financial and supply chain systems, for the year ended December 31, 2020, we expensed $2.6 million.  We are additionally incurring increased
capital  expenditures  in  connection  with  improvements  to  our  systems’  infrastructure.    In  2021,  we  currently  expect  to  incur  technology-related
implementation expenses for the financial and supply chain projects of approximately $5 to $6 million and approximately $2 to $3 million in lease
termination  and  related  facility  transition  expenses.    In  addition,  we  expect  to  incur  further  significant  cash  outlays  and  capital  expenditures  in
connection  with  our  supply  chain,  financial  systems,  and  technology  infrastructure  initiatives.    For  a  further  discussion  of  our  current  outlook  for
capital expenditures and systems implementation expenditures, refer to the “Financial Condition, Liquidity, and Capital Resources” section below.

As discussed in the “Effects of the COVID-19 Pandemic” section, we elected in 2020 to temporarily delay our New Systems Implementations as part
of  our  efforts  to  preserve  liquidity.    We  anticipate  that  we  will  recommence  these  activities  in  the  second  quarter  of  2021.    This  delay  will
correspondingly push our achievement of the financial benefits expected from the New Systems Implementations into subsequent periods.

In August 2018, the Financial Accounting Standards Board (“FASB”) issued ASU 2018-15, Intangibles - Goodwill and Other - Internal-Use Software
(Topic 350) - Customer’s Accounting for Implementation Costs Incurred in a Cloud Computing Arrangement That Is a Service Contract.  Effective
July  1,  2019,  we  elected  to  early  adopt  the  requirements  of  the  standard  on  a  prospective  basis.    The  new  guidance  aligns  the  requirements  for
capitalizing implementation  costs incurred in a hosting arrangement that is a service contract with the requirements for capitalizing implementation
costs  incurred  to  develop  or  obtain  internal-use  software  (and  hosting  arrangements  that  include  an  internal-use  software  license).    Under  the  new
standard,  certain  of  the  implementation  costs  of  our  new  financial  and  supply  chain  system  will  be  capitalized.    As  of  December  31,  2020,  we
capitalized  $5.1 million of implementation  costs for cloud computing arrangements,  net of accumulated  amortization,  and recorded in other current
assets and other assets in the consolidated balance sheet.

Business Environment and Outlook

Patient Care

In our Patient Care segment, we have a positive view of the long-term need for prosthetic and orthotic devices and services within the markets that we
serve. To address the debilitating effects of injuries and medical conditions such as diabetes, vascular disease, cancer, and congenital disorders, we
believe patients will have a continuing need for the O&P services that we provide. As the population grows and ages, we also believe there will be a
gradual underlying increase in market demand.

To ensure we maintain and grow our share of this market, we believe that it will be necessary for us to find effective means to automate and better
organize our business processes, further improve our reimbursement capabilities, and lower our cost structure in the longer term. Our size may afford
us the ability to achieve economies of scale through purchasing and process automation initiatives that could be difficult for our smaller competitors.
However,  our  size  can  work  against  us  if  we  do  not  succeed  in  effectively  serving  our  referring  physicians  and  in  competing  with  our  individual
competitors in each of the markets that we serve.

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Products & Services

Generally, we believe our distribution customers encounter reimbursement pressures similar to those that we do in our own Patient Care services and,
depending on their ability to adapt to the increased claims documentation standards that have emerged in our industry, that this may either limit the
rate of growth of some of our customers, or otherwise affect the rate of growth we experience in our distribution of O&P componentry to independent
providers.  Additionally, during 2020, we discontinued our distribution of certain low-margin orthotics products to podiatrists.

Within our Products & Services segment, in addition to our distribution of products, we provide therapeutic equipment and services to patients at SNFs
and other healthcare provider locations.  Since 2016, a number of our clients, including several of our larger SNF clients, began to discontinue their use
of our therapeutic services.  We believe these discontinuances relate primarily to their overall efforts to reduce the costs they bear for therapy-related
services within their facilities.  As a part of those terminations of service, in a number of cases, we elected to sell terminating clients the equipment that
we had utilized for their locations, which resulted in our recognition of $1.9 million in equipment sales in 2020, as compared with $2.4 million in 2019
and  $4.1  million  in  2018.    For  the  year  ended  December  31,  2020,  due  to  customer  discontinuances,  we  experienced  a  decrease  of  $3.0  million  in
therapeutic  services  and  supplies  revenue  and  of  $0.5  million  in  therapeutic  equipment  sales,  for  a  total  reduction  of  $3.5  million  in  revenues  we
received  from  therapeutic  equipment  and services.   We recognized  a total  of $45.5 million  in revenues  from  therapeutic  equipment  and services  in
2020.    In  2021,  we  anticipate  a  further  decline  of  approximately  $2  to  $3  million  in  revenue  related  to  these  services.    Within  this  portion  of  our
business, we have and continue to respond to these trends through the expansion of our products and services offerings.

Effect of Delay in Financial Filings

Beginning in the third quarter of 2014, we were delayed in the preparation and filing of our financial statements, until we regained our current filing
status in the second quarter of 2018.  In connection with our efforts to restate our prior financial statements, remediate our material weaknesses, regain
our timely filing status, and undertake related activities, we incurred third party professional fees in excess of the amounts we estimate that we would
have otherwise incurred.  The estimated excess professional fees associated with these efforts are as follows (in thousands):

Year
2018
2019
2020

     Expensed     

$

$

 12,461
 8,548
 1,639

Paid
 (19,551)
 (9,256)
 (4,126)

$

Balance to be Paid
in Future Periods
 3,195
 2,487
 —

During  the  first  quarter  of  2020,  we  incurred  approximately  $1.6  million  in  excess  professional  fees  in  connection  with  the  completion  of  our
remediation activities related to our material weakness.  Given that we completed the remediation of our material weaknesses in financial statement
controls effective with the filing of our 2019 Form 10-K, we do not currently anticipate that we will incur further excess third party professional fees
for these purposes in future periods.

Seasonality

We believe our business is affected by the degree to which patients have otherwise met the deductibles for which they are responsible in their medical
plans during the course of the year. The first quarter is normally our lowest relative net revenue quarter, followed by the second and third quarters,
which are somewhat higher and consistent with one another. Due to the general fulfillment by patients of their health plan co-payments and deductible
requirements  towards  the  year’s  end,  our  fourth  quarter  is  normally  our  highest  revenue  producing  quarter.  However,  historical  seasonality  may  be
impacted by the COVID-19 pandemic and historical seasonal patterns may not be reflective of our prospective financial results and operations .  Please
refer to the “Effects of the COVID-19 Pandemic” section for further discussion.

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Our results are also affected, to a lesser extent, by our holding of an education fair in the first quarter of each year.  This  event is conducted to assist
our clinicians in maintaining their training and certification requirements and to facilitate a national meeting with our clinical leaders.  We also invite
manufacturers of the componentry for the devices we fabricate to these annual events so they can demonstrate their products and otherwise assist in
our training process.  During the first quarter of 2020, 2019, and 2018, we spent approximately $2.3 million in each of these three years, on travel and
other costs associated with this event.  In addition to the costs we incur associated with this annual event, we also lose the productivity of a significant
portion of our clinicians during the period in which this event occurs, which contributes to the lower seasonal revenue level we experience during the
first quarter of each year.

Critical Accounting Policies

Our  analysis  and  discussion  of  our  financial  condition  and  results  of  operations  is  based  upon  the  consolidated  financial  statements  that  have  been
prepared  in  accordance  with  GAAP. The  preparation  of  consolidated  financial  statements  in  conformity  with  GAAP requires  management  to  make
estimates  and  assumptions  that  affect  the  reported  amounts  of  assets  and  liabilities,  disclosure  of  contingent  assets  and  liabilities  at  the  date  of  the
consolidated financial statements, and the reported amounts of revenues and expenses during the reporting period. GAAP provides the framework from
which  to  make  these  estimates,  assumptions,  and  disclosures.  We  have  chosen  accounting  policies  within  GAAP  that  management  believes  are
appropriate  to  fairly  present,  in  all  material  respects,  our  operating  results,  and  financial  position.  Our  significant  accounting  policies  are  stated  in
Note A - “Organization and Summary of Significant Accounting Policies” to the consolidated financial statements included in this Annual Report on
Form 10-K. We believe the following accounting policies are critical to understanding our results of operations and the more significant judgments and
estimates used in the preparation of our consolidated financial statements.

Revenue Recognition

Patient Care Segment

Revenue in our Patient Care segment is primarily derived from contracts with third party payors for the provision of O&P devices and is recognized
upon the transfer of control of promised products or services to the patient at the time the patient receives the device.  At, or subsequent to delivery, we
issue an invoice to the third party payor, which primarily consists of commercial insurance companies, Medicare, Medicaid, the VA, and private or
patient  pay  (“Private  Pay”)  individuals.    We  recognize  revenue  for  the  amounts  we  expect  to  receive  from  payors  based  on  expected  contractual
reimbursement rates, which are net of estimated contractual discounts and implicit price concessions.  These revenue amounts are further revised as
claims are adjudicated, which may result in additional disallowances.  As such, these adjustments do not relate to an inability to pay, but to contractual
allowances, our failure to ensure that a patient was currently eligible under a payor’s health plan, that the plan provides full O&P benefits, that we
received prior authorization, that we filed or appealed the payor’s determination timely, on the basis of our coding, failure by certain classes of patients
to  pay  their  portion  of  a  claim,  or  other  administrative  issues  which  are  considered  as  part  of  the  transaction  price  and  recorded  as  a  reduction  of
revenues.

Our  products  and  services  are  sold  with  a  90-day  labor  and  180-day  warranty  for  fabricated  components.  Warranties  are  not  considered  a  separate
performance  obligation.  We estimate  warranties  based on historical  trends and include them in accrued  expenses and other current  liabilities  in the
consolidated balance sheet. The warranty liability was $2.2 million at December 31, 2020 and $2.5 million at December 31, 2019.

A portion of our O&P revenue comes from the provision of cranial devices. In addition to delivering the cranial device, there are patient follow-up
visits where we assist in treating the patient’s condition by adjusting or modifying the cranial device. We conclude that, for these devices, there are two
performance obligations and use the expected cost plus margin approach to estimate for the standalone selling price of each performance obligation.
The allocated portion associated with the patient’s receipt of the cranial device is recognized when the patient receives the device while the portion of
revenue associated with the follow-up visits is initially recorded as deferred revenue. On average, the cranial device follow-up visits occur less than
90 days after the patient receives the device and the deferred revenue is recognized on a straight-line basis over the period.

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Medicare and Medicaid regulations and the various agreements we have with other third party payors, including commercial healthcare payors under
which  these  contractual  adjustments  and  payor  disallowances  are  calculated,  are  complex  and  are  subject  to  interpretation  and  adjustment  and  may
include multiple reimbursement mechanisms for different types of services. Therefore, the particular O&P devices and related services authorized and
provided,  and  the  related  reimbursement,  are  subject  to  interpretation  and  adjustment  that  could  result  in  payments  that  differ  from  our  estimates.
Additionally,  updated  regulations  and  reimbursement  schedules,  and  contract  renegotiations  occur  frequently,  necessitating  regular  review  and
assessment of the estimation process by management. As a result, there is a reasonable possibility that recorded estimates could change and any related
adjustments will be recorded as adjustments to net revenue when they become known.

Products & Services Segment

Revenue in our Products & Services segment is derived from the distribution of O&P components and the leasing and sale of rehabilitation equipment
and ancillary consumable supplies combined with equipment maintenance, education, and training.

Distribution services revenues are recognized when obligations under the terms of a contract with our customers are satisfied, which occurs with the
transfer of control of our products. This occurs either upon shipment or delivery of goods, depending on whether the terms are FOB Origin or FOB
Destination. Payment terms are typically between 30 to 90 days. Revenue is measured as the amount of consideration we expect to receive in exchange
for transferring products to a customer (“transaction price”).

To the extent that the transaction price includes variable consideration, such as prompt payment discounts, list price discounts, rebates, and volume
discounts, we estimate the amount of variable consideration that should be included in the transaction price utilizing the most likely amount method.
Variable consideration is included in the transaction price if, in our judgment, it is probable that a significant future reversal of cumulative revenue
under the contract will not occur. Estimates of variable consideration and determination  of whether to include estimated amounts in the transaction
price  are  based  largely  on  an  assessment  of  our  anticipated  performance  and  all  information  (historical,  current,  and  forecasted)  that  is  reasonably
available.

We  reduce  revenue  by  estimates  of  potential  future  product  returns  and  other  allowances.  Provisions  for  product  returns  and  other  allowances  are
recorded  as  a  reduction  to  revenue  in  the  period  sales  are  recognized.  We  make  estimates  of  the  amount  of  sales  returns  and  allowances  that  will
eventually  be  incurred.  Management  analyzes  sales  programs  that  are  in  effect,  contractual  arrangements,  market  acceptance,  and  historical  trends
when evaluating the adequacy of sales returns and allowance accounts.

Therapeutic program equipment and related services revenue are recognized over the applicable term the customer has the right to use the equipment
and as the services are provided.  Equipment sales revenue is recognized upon shipment, with any related services revenue deferred and recognized as
the services are performed.  Sales of consumables are recognized upon shipment.

In  addition,  we  estimate  amounts  recorded  to  bad  debt  expense  using  historical  trends  and  these  are  presented  as  a  bad  debt  expense  under  the
operating costs section of our consolidated financial statements.

Accounts Receivable, Net

Patient Care Segment

We establish allowances for accounts receivable to reduce the carrying value of such receivables to their estimated net realizable value.  The Patient
Care  segment’s  accounts  receivables  are  recorded  net  of  unapplied  cash  and  estimated  implicit  price  concessions,  such  as  payor  disallowances  and
patient non-payments, as described in the revenue recognition accounting policy above.

Our estimates of payor disallowances utilize the expected value method by considering historical collection experience by each of the Medicare and
non-Medicare  primary  payor  class  groupings.    For  each  payor  class  grouping,  liquidation  analyses  of  historical  period  end  receivable  balances  are
performed  to  ascertain  collections  experience  by  aging  category.    In  the  absence  of  an  evident  adverse  trend,  we  use  historical  experience  rates
calculated  using  an  average  of  four  quarters  of  data  with  at  least  twelve  months  of  adjudication.    We  will  modify  the  time  periods  analyzed  when
significant trends indicate that adjustments should be made.

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Products & Services Segment

Our  Products  &  Services  segment’s  allowance  for  doubtful  accounts  is  estimated  based  on  the  analysis  of  the  segment’s  historical  write-offs
experience, accounts receivable aging and economic status of its customers. Accounts receivable that are deemed uncollectible are written off to the
allowance for doubtful accounts. Accounts receivable are also recorded net of an allowance for estimated sales returns.

Inventories

Inventories are valued at the lower of estimated cost or net realizable value with cost determined on a first-in, first-out (“FIFO”) basis. Provisions have
also been made to reduce the carrying value of inventories for excess, obsolete, or otherwise impaired inventory on hand at period end. The reserve for
excess and obsolete inventory is $6.1 million and $7.6 million at December 31, 2020 and 2019, respectively.

Patient Care Segment

Substantially all of our Patient Care segment inventories are recorded through a periodic approach whereby inventory quantities are adjusted on the
basis of a quarterly physical count.  Segment inventories relate primarily to raw materials and work-in-process (“WIP”) at Hanger Clinics.  Inventories
at Hanger Clinics totaled $30.5 million and $29.4 million at December 31, 2020 and 2019, respectively, with WIP inventory representing $12.0 million
and $10.2 million of the total inventory, respectively.

Raw materials consist of purchased parts, components, and supplies which are used in the assembly of O&P devices for delivery to patients.  In some
cases,  purchased  parts  and  components  are  also  sold  directly  to  patients.    Raw  materials  are  valued  based  on  recent  vendor  invoices,  reduced  by
estimated vendor rebates.  Such rebates are recognized as a reduction of cost of materials in the consolidated statements of operations when the related
devices or components are delivered to the patient.  Approximately 77% and 74% of raw materials at December 31, 2020 and 2019, respectively, were
purchased  from  our  Products  &  Services  segment.    Raw  material  inventory  was  $18.4  million  and  $19.2  million  at  December  31,  2020  and  2019,
respectively.

WIP consists of devices which are in the process of assembly at our clinics or fabrication centers.  WIP quantities were determined by the physical
count  of  patient  orders  at  the  end  of  every  quarter  of  2020  and  2019  while  the  related  stage  of  completion  of  each  order  was  established  by  clinic
personnel.    We  do  not  have  an  inventory  costing  system  and  as  a  result,  the  identified  WIP  quantities  were  valued  on  the  basis  of  estimated  raw
materials,  labor,  and  overhead  costs.    To  estimate  such  costs,  we  develop  bills  of  materials  for  certain  categories  of  devices  that  we  assemble  and
deliver to patients.  Within each bill of material, we estimate (i) the typical types of component parts necessary to assemble each device; (ii) the points
in  the  assembly  process  when  such  component  parts  are  added;  (iii)  the  estimated  cost  of  such  parts  based  on  historical  purchasing  data;  (iv)  the
estimated labor costs incurred at each stage of assembly; and (v) the estimated overhead costs applicable to the device.

Products & Services Segment

Our  Product  &  Service  segment  inventories  consist  primarily  of  finished  goods  at  its  distribution  centers  as  well  as  raw  materials  at  fabrication
facilities,  and  totaled  $45.9  million  and  $38.8  million  as  of  December  31,  2020  and  2019,  respectively.    Finished  goods  include  products  that  are
available for sale to third party customers as well as to our Patient Care segment as described above.  Such inventories were determined on the basis of
perpetual records and a physical count at year end.  Inventories in connection with therapeutic services are valued at a weighted average cost.

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Business Combinations

We  record  tangible  and  intangible  assets  acquired  and  liabilities  assumed  in  business  combinations  under  the  acquisition  method  of  accounting.
 Acquisition  consideration  typically  includes  cash  payments,  the  issuance  of  Seller  Notes  and  in  certain  instances  contingent  consideration  with
payment  terms  based  on the  achievement  of  certain  targets  of the  acquired  business.   Amounts  paid  for  each  acquisition  are  allocated  to the  assets
acquired and liabilities assumed based on their estimated fair values at the date of acquisition inclusive of identifiable intangible assets.  The estimated
fair  value  of  identifiable  assets  and  liabilities,  including  intangibles,  are  based  on  valuations  that  use  information  and  assumptions  available  to
management.    We  allocate  any  excess  purchase  price  over  the  fair  value  of  the  tangible  and  identifiable  intangible  assets  acquired  and  liabilities
assumed to goodwill. We allocate goodwill to our reporting units based on the reporting unit that is expected to benefit from the acquired goodwill.
 Significant management judgments and assumptions are required in determining the fair value of assets acquired and liabilities assumed, particularly
acquired  intangible  assets,  including  estimated  useful  lives.    The  valuation  of  purchased  intangible  assets  is  based  upon  estimates  of  the  future
performance and discounted cash flows of the acquired business.  Each asset acquired or liability assumed is measured at estimated fair value from the
perspective  of  a  market  participant.    Subsequent  changes  in  the  estimated  fair  value  of  contingent  consideration  are  recognized  as  general  and
administrative expenses within the consolidated statements of operations.

Goodwill and Other Intangible Assets, Net

Goodwill  represents  the  excess  of  the  purchase  price  over  the  estimated  fair  value  of  net  identifiable  assets  acquired  and  liabilities  assumed  from
purchased  businesses.    We  assess  goodwill  for  impairment  annually  during  the  fourth  quarter,  and  between  annual  tests  if  an  event  occurs  or
circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount.  We have the option to first
assess  qualitative  factors  for  a  reporting  unit  to  determine  whether  it  is  more  likely  than  not  that  the  fair  value  of  a  reporting  unit  is  less  than  its
carrying amount as a basis for determining whether it is necessary to perform the quantitative goodwill impairment test.  If we choose to bypass this
qualitative  assessment  or  alternatively  determine  that  a  quantitative  goodwill  impairment  test  is  required,  our  annual  goodwill  impairment  test  is
performed by comparing the estimated fair  value of a reporting  unit with its carrying amount (including attributed  goodwill).  We measure  the fair
value of the reporting units using a combination of income and market approaches.  Any impairment would be recognized by a charge to income from
operations and a reduction in the carrying value of the goodwill.  As of October 1, 2020, we performed a quantitative assessment of the Patient Care
reporting unit. The quantitative assessment did not result in the carrying value of the reporting unit exceeding its fair value.

We  apply  judgment  in  determining  the  fair  value  of  our  reporting  units  and  the  implied  fair  value  of  goodwill  which  is  dependent  on  significant
assumptions and estimates regarding expected future cash flows, terminal value, changes in working capital requirements, and discount rates.

We did not have any goodwill impairment  during 2020, 2019, and 2018.  For the year ended December 31, 2018, we recorded impairments of our
indefinite-lived trade name totaling $0.2 million.  We did not have any indefinite-lived trade name impairment during 2020 and 2019.  See Note H -
“Goodwill  and  Other  Intangible  Assets”  to  our  consolidated  financial  statements  in  this  Annual  Report  on  Form  10-K  for  additional  information
regarding this charge.

As described, we apply judgment in the selection of key assumptions used in the goodwill impairment test and as part of our evaluation of intangible
assets tested annually and at interim testing dates as necessary.  If these assumptions differ from actual, we could incur additional impairment charges
and those charges could be material.

Income Taxes

We recognize deferred tax assets and liabilities for net operating loss and other credit carry forwards and the expected tax consequences of temporary
differences between the tax basis of assets and liabilities and their reported amounts using enacted tax rates in effect for the year the differences are
expected to reverse. The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in
which  those  temporary  differences  become  deductible.  The  evaluation  of  deferred  tax  assets  requires  judgment  in  assessing  the  likely  future  tax
consequences of events that have been recognized in our financial statements or tax returns, and future profitability by tax jurisdiction.

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We provide a valuation allowance to reduce our deferred tax assets to the amount that is more likely than not to be realized.  We evaluate our deferred
tax assets quarterly to determine whether adjustments to the valuation allowance are appropriate in light of changes in facts or circumstances, such as
changes in expected future pre-tax earnings, tax law, interactions  with taxing authorities, and developments in case law.  Our material assumptions
include  forecasts  of  future  pre-tax  earnings  and  the  nature  and  timing  of  future  deductions  and  income  represented  by  the  deferred  tax  assets  and
liabilities,  all  of  which  involve  the  exercise  of  significant  judgment.    We  have  experienced  losses  from  2014  to  2017  due  to  impairments  of  our
intangible assets, increased professional fees in relation to our restatement and related remediation procedures for identified material weaknesses, and
increased  interest  and  bank  fees.    These  losses  have  necessitated  that  we  evaluate  the  sufficiency  of  our  valuation  allowance.    We  are  in  a  taxable
income  position  in  2020  and  are  able  to  utilize  net  operating  loss.    We  have  $4.6  million  and  $2.8  million  of  U.S.  federal  and  $153.0  million  and
$136.9 million of state net operating loss carryforwards available at December 31, 2020 and 2019, respectively.  These carryforwards will be used to
offset  future  income  but  may  be  limited  by  the  change  in  ownership  rules  in  Section  382  of  the  Internal  Revenue  Code.    These  net  operating  loss
carryforwards will expire in varying amounts through 2040.  We expect to generate income before taxes in future periods at a level that would allow
for the full realization of the majority of our net deferred tax assets.  As of December 31, 2020 and 2019, we have recorded a valuation allowance of
approximately $2.1 million related to various state jurisdictions.

Based on our assessment of all available positive and negative evidence, which is completed quarterly, on a taxing jurisdiction and legal entity basis,
we determined that it was more likely than not that we would be able to realize the benefit of certain state deferred tax assets and released valuation
allowances  of  $7.1  million  against  our  state  deferred  tax  assets  during  the  fourth  quarter  of  2019.  We  considered  a  number  of  types  of  evidence,
including the nature, frequency, and severity of current and cumulative financial reporting income and losses, sources of future taxable income, future
reversals of existing taxable temporary differences, and prudent and feasible tax planning strategies, weighted by objectivity. Management decided to
release this valuation allowance primarily because the legal entity involved has achieved twelve quarters of cumulative financial reporting income in
2019 and  is  forecasting  future  taxable  income  along  with  other  types  of  favorable  evidence  mentioned  above.  The  Company’s  valuation  allowance
position in 2020 has not changed based on assessment of all available positive and negative evidence.

We believe that our tax positions are consistent with applicable tax law, but certain positions may be challenged by taxing authorities. In the ordinary
course of business, there are transactions and calculations where the ultimate tax outcome is uncertain. In addition, we are subject to periodic audits
and examinations by the Internal Revenue Service and other state and local taxing authorities. In these cases, we record the financial statement effects
of a tax position when it is more likely than not, based on the technical merits, that the position will be sustained upon examination. We record the
largest amount of tax benefit that is greater than fifty percent likely of being realized upon settlement with a taxing authority that has full knowledge of
all relevant information. If not paid, the liability for uncertain tax positions is reversed as a reduction of income tax expense at the earlier of the period
when the position is effectively settled or when the statute of limitations has expired. Although we believe that our estimates are reasonable, actual
results could differ from these estimates. Interest and penalties, when applicable, are recorded within the income tax provision.

Recent Accounting Pronouncements

Refer to the “Recent Accounting Pronouncements” section in Note A - “Organization and Summary of Significant Accounting Policies” in this Annual
Report  on  Form  10-K  for  disclosure  of  recent  accounting  pronouncements  that  are  either  expected  to  have  more  than  a  minimal  impact  on  our
consolidated financial position and results of operation, or that we are still assessing to determine their impact.

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Results of Operations - Year Ended December 31, 2020 Compared to Year Ended December 31, 2019

For the years ended December 31, 2020 and 2019, our consolidated results of operations were as follows:

For the Years Ended 
December 31, 

(dollars in thousands)
Net revenues
Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization

Operating expenses

Income from operations

Interest expense, net
Non-service defined benefit plan expense

Income before income taxes

Provision for income taxes

Net income

2020
$  1,001,150
 315,410
 351,191
 99,854
 118,764
 9,177
 34,847
 929,243
 71,907
 32,445
 632
 38,830
 638
 38,192

$

Percent
Change
     2020 vs 2019  
 (8.8)%
 (11.8)%
 (5.7)%
 (26.0)%
 0.6 %
 (33.0)%
 (3.0)%
 (10.0)%
 9.9 %
 (5.3)%
 (8.5)%
 27.4 %
 (78.4)%
 38.8 %

2019
$  1,098,046  
 357,771  
 372,225  
 134,943  
 118,065  
 13,689  
 35,925  
 1,032,618  
 65,428  
 34,258  
 691  
 30,479  
 2,954  
 27,525  

$

Material costs, personnel costs, and other operating costs reflect expenses we incur in connection with our delivery  of care through our clinics and
other  patient  care  operations,  or  through  the  distribution  of  products  and  services,  and  exclude  general  and  administrative  activities.    General  and
administrative activities reflect expenses we incur that are not directly related to the operation of our clinics or provision of products and services.

Due to  the  substantial  amount  we historically  incurred  for  professional  accounting  and  legal  services,  we  separately  disclose  these  expenses  within
operating expenses.  In connection with our efforts to restate our prior financial statements, remediate our material weaknesses, regain our timely filing
status,  and  undertake  related  activities,  we  have  incurred  third  party  professional  fees  in  excess  of  the  amounts  we  estimate  that  we  would  have
otherwise incurred.

During 2020 and 2019, our operating expenses as a percentage of net revenues were as follows:

Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization

Operating expenses

For the Years Ended 
December 31, 

2020

2019

 31.5 %  
 35.1 %  
 9.9 %  
 11.9 %  
 0.9 %  
 3.5 %  
 92.8 %  

32.6 %
 33.9 %
 12.2 %
 10.8 %
 1.2 %
 3.3 %
 94.0 %

During the previous two years, the number of patient care clinics and satellite locations we operated or leased have been as follows:

Patient care clinics
Satellite locations

Total

52

As of December 31, 
2019
2020

 704
 112
 816

 701
 111
 812

    
    
 
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
    
 
    
    
 
 
 
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Patient care clinics reflect locations that are licensed as a primary location to provide O&P services and which are fully staffed and open throughout a
typical operating week.  To facilitate patient convenience, we also operate satellite clinics.  These are remote locations associated with a primary care
clinic, utilized to see patients, and are open for operation on less than a full-time basis during a typical operating week.

Relevance of Year Ended Results to Comparative and Future Periods.  As discussed in “Effects of the COVID-19 Pandemic” above, commencing late
in the first quarter, our revenues and operating results began to be adversely affected by the COVID-19 pandemic, a trend which continued throughout
2020.  The effects of this public health emergency on our revenues and earnings in the year ended December 31, 2020 impacted the comparison to our
historical financial results.  Due to the uncertainty surrounding the future economic and social impacts of the COVID-19 pandemic, the comparison
may  not  be  indicative  of  future  results.    Please  refer  to  the  “Effects  of  the  COVID-19  Pandemic”  section  above  and  the  “Financial  Condition,
Liquidity, and Capital Resources” section below for additional forward-looking information concerning our current expectations regarding the effect of
the COVID-19 pandemic on our prospective results and financial condition.

Net revenues.  Net revenues for the year ended December 31, 2020 were $1,001.2 million, a decrease of $96.9 million, or 8.8%, from $1,098.0 million
for the year ended December 31, 2019.  Net revenues by operating segment, after elimination of intersegment activity, were as follows:

For the Years Ended  
December 31, 

Change

Percent
Change

(dollars in thousands)
Patient Care
Products & Services

Net revenues

$

2020
 831,603
 169,547  

$  1,001,150

$

$

2019
 905,691
 192,355  

 1,098,046

     2020 vs 2019      2020 vs 2019  

$

$

 (74,088)
 (22,808) 
 (96,896) 

 (8.2)%
 (11.9)%
 (8.8)%

Patient Care net revenues for the year ended December 31, 2020 were $831.6 million, a decrease of $74.1 million, or 8.2%, from $905.7 million for the
same period in the prior year.  Same clinic revenues decreased $91.9 million for the year ended December 31, 2020 compared to the same period in the
prior year, reflecting a decrease in same clinic revenues of 11.0% on a per-day basis.  Net revenues from acquired clinics and consolidations increased
$18.6 million, and revenues from other services decreased $0.8 million.

Prosthetics constituted approximately 56% of our total Patient Care revenues for the year ended December 31, 2020 and 55% for the same period in
the prior year, excluding the impact of acquisitions. Prosthetic revenues were 8.3% lower on a per-day basis than the same period in the prior year,
excluding the impact of acquisitions.  Orthotics, shoes, inserts, and other products decreased by 14.2% on a per-day basis for the same comparative
period,  excluding  the impact  of acquisitions.   Revenues were adversely  affected  during  the period  due to a decline  in patient  appointment  volumes
beginning  in  the  last  two  weeks  of  March  and  continuing  throughout  2020  as  a  result  of  the  continuing  spread  of  COVID-19  viral  infections,
governmental suppression measures implemented in response to the COVID-19 pandemic, and other factors impacting our business volumes discussed
in the “Effects of the COVID-19 Pandemic” section.

Products & Services  net revenues  for the year  ended December  31, 2020 were $169.5 million,  a decrease  of $22.8 million,  or 11.9%, from $192.4
million  for  the  same  period  in  the  prior  year.   This  was primarily  attributable  to  a  decrease  of  $19.4 million,  or  13.5%,  in the  distribution  of  O&P
componentry to independent providers stemming primarily from lower volumes due to the COVID-19 pandemic, as discussed in the “Effects of the
COVID-19  Pandemic”  section  above,  and  a  $3.4  million,  or  7.1%,  decrease  in  net  revenues  from  therapeutic  solutions  as  a  result  of  the  impact  of
historical customer lease cancellations, partially offset by lease installations.

Beginning in the latter half of March 2020, our business volumes began to be adversely affected by the COVID-19 pandemic, and business volumes
were adversely impacted throughout 2020.  We believe that the decline in net revenues in the year ended December 31, 2020 was primarily due to the
continuing spread of COVID-19 viral infections, state and local government restrictions, social distancing and suppression measures adopted by our
patients and customers, and deferral of elective surgical procedures, all of which resulted in a decline in physician referrals and patient appointments.
 For additional discussion, refer to the “Effects of the COVID-19 Pandemic” section.

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Material costs.  Material costs for the year ended December 31, 2020 were $315.4 million, a decrease of $42.4 million or 11.8%, from $357.8 million
for  the  same  period  in  the  prior  year.    Total  material  costs  as  a  percentage  of  net  revenues  decreased  to  31.5%  in  2020  from  32.6%  in  2019  due
primarily to changes in our Patient Care segment business mix.  Material costs by operating segment, after elimination of intersegment activity, were
as follows:

For the Years Ended  
December 31, 

Change

Percent 
Change

(dollars in thousands)
Patient Care
Products & Services

Material costs

2020
 247,384
 68,026  
 315,410

$

$

$

$

2019
 274,801
 82,970  
 357,771

     2020 vs 2019      2020 vs 2019

$

$

 (27,417)
 (14,944) 
 (42,361) 

 (10.0)%
 (18.0)%
 (11.8)%

Patient Care material costs decreased $27.4 million, or 10.0%, for the year ended December 31, 2020 compared to the same period in the prior year as
a  result  of  the reduction  in  segment  net  sales,  offset  by our  acquisitions  and  changes  in  the segment  product  mix.   Patient  Care material  costs  as  a
percent of segment net revenues was 29.7% in 2020 and 30.3% in 2019.

Products & Services material costs decreased $14.9 million, or 18.0%, for the year ended December 31, 2020 compared to the same period in the prior
year.  As a percent of net revenues in the Products & Services segment, material costs were 40.1% in the year ended December 31, 2020 as compared
to 43.1% in the same period 2019.  The decrease in material costs as a percentage of segment net revenues was due to a change in business and product
mix within the segment.

Personnel costs.    Personnel  costs  for  the  year  ended  December  31,  2020  were  $351.2  million,  a  decrease  of  $21.0  million,  or  5.7%,  from  $372.2
million for the same period in the prior year.  Personnel costs by operating segment were as follows:

For the Years Ended
December 31, 

Change

Percent 
Change

(dollars in thousands)
Patient Care
Products & Services
Personnel costs

2020
 302,206

 48,985  

 351,191

$

$

$

$

2019
 319,633

 52,592  

 372,225

     2020 vs 2019      2020 vs 2019

$

$

 (17,427)
 (3,607) 
 (21,034) 

 (5.5)%
 (6.9)%
 (5.7)%

Personnel costs for the Patient Care segment were $302.2 million for the year ended December 31, 2020, a decrease of $17.4 million, or 5.5%, from
$319.6 million for the same period in the prior year.  The decrease in Patient Care personnel costs during the year was primarily due to a decrease in
salary expense of $21.5 million due to cost mitigation efforts implemented as a result of the COVID-19 pandemic, and decreases in benefits costs of
$1.5  million  due  to  reduced  claims  experience,  payroll  taxes  of  $0.9  million,  and  commissions  by  $0.7  million,  offset  by  increases  in  incentive
compensation and other personnel costs of $6.1 million and severance costs of $1.1 million compared to the same period in the prior year.

Personnel costs in the Products & Services segment were $49.0 million for the year ended December 31, 2020, a decrease of $3.6 million, or 6.9%
compared  to  the  same  period  in  the  prior  year.    Salary  expense  decreased  $3.2  million  due  to  cost  mitigation  efforts  as  a  result  of  the  COVID-19
pandemic, and bonus, commissions, and other personnel costs decreased $0.4 million for the year ended December 31, 2020 compared to the same
period in the prior year.

Other operating costs.  Other operating costs for the year ended December 31, 2020 were $99.9 million, a decrease of $35.1 million, or 26.0%, from
$134.9 million for the same period in the prior year.  Other expenses decreased by $26.3 million due to the benefit associated with the recognition of
$24.0  million  in  proceeds  from  Grants  under  the  CARES  Act  included  in  Other  operating  costs,  as  discussed  in  the  “Effects  of  the  COVID-19
Pandemic”  section,  and  an  approximate  $1.9  million  gain  on  the  sale  of  property.    Travel  and  other  expenses  decreased  $11.8  million  due  to  cost
mitigation efforts as a result of the COVID-19 pandemic, and bad debt expense decreased $0.8 million.  The decreases are offset by a $3.8 million
increase in rent expense from new, renewed, and acquired leases as compared to the same period in the prior year.

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General and administrative expenses.  General and administrative expenses for the year ended December 31, 2020 were $118.8 million, an increase of
$0.7  million,  or  0.6%,  from  $118.1  million  for  the  same  period  in  the  prior  year.    This  was  primarily  the  result  of  an  increase  in  share-based
compensation of $4.4 million, due to the modification recognized in the second quarter of certain equity awards granted in 2017, and from an increase
of $1.4 million in incentive compensation and benefits costs, $2.4 million of qualified disaster relief payments to employees, and additional severance
costs of $1.9 million, offset by decreases in salary expense of $6.2 million, as well as a decrease in travel and other expenses of $3.2 million.

Professional accounting and legal fees.  Professional accounting and legal fees for the year ended December 31, 2020 were $9.2 million, a decrease of
$4.5 million from $13.7 million for the same period in the prior year primarily due to targeted efforts to remediate material weaknesses in our internal
controls over financial reporting that occurred during the year ended December 31, 2019 that did not recur in the same period of 2020.

Depreciation and amortization.  Depreciation and amortization for the year ended December 31, 2020 was $34.8 million, a decrease of $1.1 million, or
3.0%, from  the same  period  in the prior  year.   Depreciation  expense  decreased  $2.5 million  and amortization  expense  increased  $1.4 million  when
compared to the same period in the prior year.

Interest expense, net.   Interest  expense  for  the  year  ended  December  31,  2020  was  $32.4  million,  a  decrease  of  $1.8  million,  or  5.3%,  from  $34.3
million for the same period in the prior year.

Provision for income taxes.  The provision for income taxes for the year ended December 31, 2020 was $0.6 million, or 1.6% of income before taxes,
compared  to  a  provision  of  $3.0  million,  or  9.7%  of  income  before  taxes  for  the  year  ended  December  31,  2019.    The  effective  tax  rate  in  2020
consisted principally of the 21% federal statutory tax rate and non-deductible expenses, offset by research and development tax credits and the net tax
benefit  of  the  loss  carryback  claim  granted  under  the  CARES  Act.    The  decrease  in  the  effective  tax  rate  for  the  year  ended  December  31,  2020
compared with the year ended December 31, 2019 is primarily attributable to the recognition of research and development tax credits for the current
and prior years and the tax benefit resulting from the loss carryback provisions granted under the CARES Act.

For  the  year  ended  December  31,  2020,  we  completed  a  formal  study  to  identify  qualifying  research  and  development  expenses  resulting  in  the
recognition of tax benefits of $2.2 million, net of tax reserves, related to the current year and $6.1 million, net of tax reserves, related to prior years.
 We recorded the tax benefit, before tax reserves, as a deferred tax asset.

The  CARES  Act,  which  was  enacted  on  March  27,  2020,  included  changes  to  certain  tax  laws  related  to  the  deductibility  of  interest  expense  and
depreciation,  as  well  as  the  provision  to  carryback  net  operating  losses  to  five  preceding  years.    Accounting  Standards  Codification  (“ASC”)  740,
Income Taxes, requires the effects of changes in tax rates and laws on deferred tax balances to be recognized in the period in which the legislation is
enacted.  As a result of the CARES Act provisions, for the year ended December 31, 2020 we recognized a tax benefit of $4.0 million resulting from
the loss carryback claim to a prior period with a higher statutory rate, which also decreased our current income taxes payable by $17.2 million as of
December 31, 2020.

During the year ended December 31, 2019, we determined that it was more likely than not that we would be able to realize the benefit of certain state
deferred  tax  assets  after  we  achieved  twelve  quarters  of  cumulative  pretax  income  adjusted  for  permanent  differences,  as  well  as  forecasted  future
taxable  income  and  other  positive  evidence,  and  released  $7.1  million  of  the  valuation  allowance  related  to  certain  state  deferred  tax  assets  in  the
fourth quarter of 2019.

Net  income.    Our  net  income  for  year  ended  December  31,  2020  was  $38.2  million  as  compared  to  net  income  of  $27.5  million  for  year  ended
December 31, 2019.

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Results of Operations - Year Ended December 31, 2019 Compared to Year Ended December 31, 2018

For the years ended December 31, 2019 and 2018, our consolidated results of operations were as follows:

(dollars in thousands)
Net revenues
Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization
Impairment of intangible assets

Operating expenses

Income from operations

Interest expense, net
Loss on extinguishment of debt
Non-service defined benefit plan expense

Income before income taxes

Provision for income taxes

Net income (loss)

(1) NM - Not meaningful

For the Years Ended 
December 31, 

2019
$  1,098,046

2018
$  1,048,760

 357,771  
 372,225  
 134,943  
 118,065  
 13,689  
 35,925  
 —  
 1,032,618  
 65,428  
 34,258  
 —  
 691  
 30,479  
 2,954  
 27,525

$

$

 338,017  
 364,089  
 123,902  
 109,552  
 16,915  
 36,455  
 183  
 989,113  
 59,647  
 37,566  
 16,998  
 703  
 4,380  
 5,238  
 (858) 

     Percent (1)

Change
     2019 v 2018  

 4.7 %
 5.8 %
 2.2 %
 8.9 %
 7.8 %
 (19.1)%
 (1.5)%
 (100.0)%
 4.4 %
 9.7 %
 (8.8)%
 (100.0)%
 (1.7)%
 595.9 %
 (43.6)%
NM

Material costs, personnel costs, and other operating costs reflect expenses we incur in connection with our delivery  of care through our clinics and
other  patient  care  operations,  or  through  the  distribution  of  products  and  services,  and  exclude  general  and  administrative  activities.  General  and
administrative activities reflect expenses we incur that are not directly related to the operation of our clinics or provision of products and services.

Due to  the  substantial  amount  we historically  incurred  for  professional  accounting  and  legal  services,  we  separately  disclose  these  expenses  within
operating expenses. In connection with our efforts to restate our prior financial statements, remediate our material weaknesses, regain our timely filing
status,  and  undertake  related  activities,  we  have  incurred  third  party  professional  fees  in  excess  of  the  amounts  we  estimate  that  we  would  have
otherwise incurred.

During 2019 and 2018, our operating expenses as a percentage of net revenues were as follows:

Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization
Impairment of intangible assets

Operating expenses

56

For the Years Ended
December 31, 

2019

2018

 32.6 %  
 33.9 %  
 12.2 %  
 10.8 %  
 1.2 %  
 3.3 %  
NM  
 94.0 %  

 32.2 %
 34.7 %
 11.9 %
 10.4 %
 1.6 %
 3.5 %
NM
 94.3 %

 
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
    
 
 
 
 
 
 
 
 
 
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During the previous two years, the number of patient care clinics and satellite locations we operated or leased have been as follows:

Patient care clinics
Satellite locations

Total

As of December 31, 
2018
2019

 701  
 111  
 812  

 676
 104
 780

Patient care clinics reflect locations that are licensed as a primary location to provide O&P services and which are fully staffed and open throughout a
typical operating week. To facilitate patient convenience, we also operate satellite clinics. These are remote locations associated with a primary care
clinic, utilized to see patients, and are open for operation on less than a full-time basis during a typical operating week.

Net revenues. Net revenues for the year ended December 31, 2019 were $1,098.0 million, an increase of $49.3 million, or 4.7%, from $1,048.8 million
for the year ended December 31, 2018. Net revenues by operating segment, after elimination of intersegment activity, were as follows:

(dollars in thousands)
Patient Care
Products & Services

Net revenues

For the Years Ended 
December 31, 

$

2019
 905,691
 192,355
$  1,098,046

$

2018
 857,382
 191,378
$  1,048,760

Change

Percent
 Change

$

     2019 vs 2018      2019 vs 2018  
 5.6 %
 0.5 %
 4.7 %

 48,309  
 977  
 49,286  

$

Patient Care net revenue for the year ended December 31, 2019 was $905.7 million, an increase of $48.3 million, or 5.6%, from $857.4 million for the
same period in the prior year. Net revenues from acquired clinics, inclusive of consolidations, was $28.9 million. Same clinic revenues increased $18.1
million for the year ended December 31, 2019 compared to the same period in the prior year, reflecting an increase in same clinic revenues of 2.1% on
a per-day basis. Patient care revenues from other services contributed to $1.3 million in growth.

Prosthetics constituted approximately 55% of our total Patient Care revenues for the year ended December 31, 2019 and 54% for the same period in
the prior year, excluding the impact of acquisitions. Prosthetic revenues were 3.2% higher on a per-day basis than the same period in the prior year,
excluding  the  impact  of  acquisitions.  Orthotics,  shoes,  inserts,  and  other  products  increased  by  0.9%  on  a  per-day  basis  for  the  same  comparative
period, excluding the impact of acquisitions.

Products  &  Services  net  revenues  for  the  year  ended  December  31,  2019  were  $192.4  million,  an  increase  of  $1.0  million,  or  0.5%,  from  $191.4
million for the same period in the prior year. This increase was comprised of $7.4 million from the distribution of O&P componentry to independent
providers as the result of new products added to the portfolio, an increase in volume, and new customers, partially offset by a $6.4 million decrease in
net revenues from therapeutic solutions as a result of continued net client cancellations.

Material costs. Material costs for the year ended December 31, 2019 were $357.8 million, an increase of $19.8 million, or 5.8%, from $338.0 million
for the same period in the prior year. Total material costs as a percentage of net revenue increased to 32.6% in 2019 from 32.2% in 2018 due primarily
to changes in our Patient Care segment business mix. Material costs by operating segment, after elimination of intersegment activity, were as follows:

For the Years Ended 
December 31, 

Change

Percent
 Change

(dollars in thousands)
Patient Care
Products & Services

Material costs

2019
 274,801
 82,970  
 357,771

$

$

$

$

57

2018
 258,201
 79,816  
 338,017

     2019 vs 2018      2019 vs 2018

$

$

 16,600

 3,154  
 19,754  

 6.4 %
 4.0 %
 5.8 %

    
    
 
 
 
    
    
 
    
    
 
 
 
    
 
    
    
 
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Patient Care material costs increased $16.6 million, or 6.4%, for the year ended December 31, 2019 compared to the same period in the prior year as a
result of acquisitions. Patient Care material costs as a percent of segment net revenues was 30.3% in 2019 from 30.1% in 2018.

Products  &  Services  material  costs  increased  $3.2  million,  or  4.0%,  for  the  year  ended  December  31,  2019  compared  to  the  same  period  in  the
prior  year.  As  a  percent  of  net  revenues  in  the  Products  &  Services  segment,  material  costs  were  43.1%  in  the  year  ended  December  31,  2019  as
compared  to  41.7%  in  the  same  period  2018.  The  increase  in  material  costs  as  a  percentage  of  segment  net  revenues  was  due  to  a  change  in  the
customer and business mix within the segment.

Personnel costs. Personnel costs for the year ended December 31, 2019 were $372.2 million, an increase of $8.1 million, or 2.2%, from $364.1 million
for the same period in the prior year. Personnel costs by operating segment were as follows:

For the Years Ended 
December 31, 

Change

Percent
Change

(dollars in thousands)
Patient Care
Products & Services
Personnel costs

2019
 319,633
 52,592  
 372,225

$

$

$

$

2018
 312,736
 51,353  
 364,089

     2019 vs 2018      2019 vs 2018  

$

$

 6,897
 1,239  
 8,136  

 2.2 %
 2.4 %
 2.2 %

Personnel costs for the Patient Care segment were $319.6 million for the year ended December 31, 2019, an increase of $6.9 million, or 2.2%, from
$312.7 million for the same period in the prior year. The increase is primarily related to an increase of $3.9 million in salary expense, $1.4 million in
bonus expense, $1.0 million in other personnel costs, and $0.8 million in benefits expense, offset by $0.2 million in lower commission expense, when
compared the same period in the prior year.

Personnel costs in the Products & Services segment were $52.6 million for the year ended December 31, 2019, an increase of $1.2 million, or 2.4%
compared to the same period in the prior year. Salary expense increased $1.4 million, and bonus expense decreased $0.2 million.

Other operating costs. Other operating costs for the year ended December 31, 2019 were $134.9 million, an increase of $11.0 million, or 8.9%, from
$123.9 million for the same period in the prior year. Rent expense increased $2.3 million from new, renewed, and acquired leases and $1.3 million as a
result  of  the  adoption  of  ASC  842,  further  described  in  Note  A  -  “Organization  and  Summary  of  Significant  Accounting  Policies”.  In  addition,
professional  fees  increased  $2.1  million  for  the  year  ended  December  31,  2019  due  to  investments  made  in  certain  revenue  cycle  management
initiatives.  Bad  debt  expense  increased  $1.9  million  due  to  the  impact  of  higher  recoveries  in  the  same  period  in  the  prior  year.  Other  operating
expenses  increased  $1.5  million  due  to  additional  costs  from  acquisitions,  and  other  occupancy  costs  and  all  other  operating  costs  increased  $1.9
million for the year ended December 31, 2019 compared to the year ended December 31, 2018.

General and administrative expenses. General and administrative expenses for the year ended December 31, 2019 were $118.1 million, an increase of
$8.5 million, or 7.8%, from $109.6 million for the same period in the prior year. This increase included a $3.6 million increase in salary expense, a
$1.7 million increase in other expenses, largely due to the impact of favorable settlements of damage claims and state unclaimed property claims in the
prior year,  a $1.1 million  increase  in benefits  related  to higher  claims  costs, a $0.4 million  increase  in other  personnel-related  costs, a $0.3 million
increase in equity-based compensation, and a $1.4 million increase in office and other expenses.

Professional accounting and legal fees. Professional accounting and legal fees for the year ended December 31, 2019 were $13.7 million, a decrease of
$3.2  million  from  $16.9  million  for  the  same  period  in  the  prior  year.  Advisory  and  other  fees  decreased  primarily  due  to  decreased  utilization  of
professional services  as compared to the same period in 2018. This change related  primarily to reductions in the use of third-party  professionals to
assist us in the remediation of our material weaknesses, to regain our timely filing status in August of 2018, and to undertake related activities.

Depreciation and amortization. Depreciation and amortization for the year ended December 31, 2019 was $35.9 million, a decrease of $0.5 million, or
1.5%, from the same period in the prior year. Amortization expense decreased $1.7 million when compared to the prior period as a result of certain
intangible assets becoming fully amortized. Depreciation expense increased $0.9 million when compared to the prior year as a result of additions to
certain fixed assets, and finance lease amortization increased $0.3 million.

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Interest  expense,  net.  Interest  expense  for  the  year  ended  December  31,  2019  was  $34.3  million,  a  decrease  of  $3.3  million,  or  8.8%,  from  $37.6
million for the same period in the prior year. This decrease was primarily due to lower interest rates on outstanding borrowings as a result of our debt
refinancing in March 2018.

Provision for income taxes. The provision for income taxes for the year ended December 31, 2019 was $3.0 million, or 9.7% of income before taxes,
compared  to  a  provision  of  $5.2  million,  or  119.6%  of  income  before  taxes  for  the  year  ended  December  31,  2018.  The  effective  tax  rate  in  2019
consists principally of the 21% federal statutory tax rate and the rate impact from the release of valuation allowance on certain state deferred tax assets
and permanent tax differences. The federal statutory tax rate in 2018 was 21%. The decrease in the effective tax rate for the year ended December 31,
2019 compared with the year ended December 31, 2018 is primarily attributable to the increase in income before taxes and the release of valuation
allowance on certain state deferred tax assets.

During the year ended December 31, 2019, we determined that it was more likely than not that we would be able to realize the benefit of certain state
deferred  tax  assets  after  we  achieved  twelve  quarters  of  cumulative  pretax  income  adjusted  for  permanent  differences,  as  well  as  forecasted  future
taxable  income  and  other  positive  evidence,  and  released  $7.1  million  of  the  valuation  allowance  related  to  certain  state  deferred  tax  assets  in  the
fourth quarter of 2019.

Net income. Our net income for year ended December 31, 2019 was $27.5 million as compared to a net loss of $0.9 million for year ended December
31, 2018.

Financial Condition, Liquidity, and Capital Resources

Liquidity

To provide cash for our operations and capital expenditures, our immediate source of liquidity is our cash and investment balances and any amounts
we have available for borrowing under our revolving credit facility. We refer to the sum of these two amounts as our “liquidity.”

At December 31, 2020, we had total liquidity of $239.4 million, which reflected an increase of $70.2 million, from the $169.2 million in liquidity we
had as of December 31, 2019.  Our liquidity at December 31, 2020 was comprised of cash and cash equivalents of $144.6 million and $94.8 million in
available borrowing capacity under our $100.0 million revolving credit facility.  This increase in liquidity primarily relates to an increase in cash of
$70.2 million, comprised of net cash provided by operations of $155.6 million, which includes approximately $24.0 million in grants from the federal
government under the CARES Act, partially offset by investing cash flows for capital expenditures of $28.1 million, cash paid for acquisitions, net of
cash acquired, of $21.8 million, net cash used in financing activities of $39.5 million and proceeds from the sale of property, plant and equipment of
$3.9  million.    As  of  December  31,  2020,  we  have  repaid  in  full  all  $79.0  million  in  borrowings  made  during  the  year  under  our  revolving  credit
facility.  

Our Credit Agreement contains customary representations and warranties, as well as financial covenants, including that we maintain compliance with
certain leverage and interest coverage ratios.  If we are not compliant with our debt covenants in any period, absent a waiver or amendment of our
Credit Agreement, we may be unable to access funds under our revolving credit facility.  Due to the additional borrowings under our revolving credit
facility in March 2020, which were repaid in full during the third quarter of 2020, and in anticipation of the potential economic impact of the COVID-
19  pandemic,  we  entered  into  an  amendment  to  the  Credit  Agreement  that  provided  for,  among  other  things,  increases  in  the  allowable  level  of
indebtedness we may carry relative to our earnings, changes in the definition of EBITDA used to compute certain financial ratios, certain restrictions
regarding investments and payments we may make until the completion of the first quarter of 2021 and increases in the interest costs associated with
borrowings under our revolving credit facility.  We were in compliance with our debt covenants as of December 31, 2020.

For additional discussion, please refer to the Liquidity Outlook section below.

Working Capital and Days Sales Outstanding

As of December 31, 2020, we had working capital of $129.3 million compared to working capital of $107.2 million as of December 31, 2019.  Our
working capital increased $22.0 million in 2020 when compared to 2019 due to an increase in current assets of $59.2 million, partially offset by an
increase in current liabilities of $37.2 million.

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The  increase  in  current  assets  was  primarily  attributable  to  an  increase  in  Cash  and  cash  equivalents  of  $70.2  million  discussed  in  the  “Liquidity”
section above, an increase in Income taxes receivable of $12.9 million, which relates to income tax relief under the CARES Act, and an increase in
Inventories of $8.2 million.  The increases were offset by decreases in Accounts receivable, net of $30.8 million, discussed further below, and Other
current assets of $1.3 million.

The  increase  in  current  liabilities  was  primarily  attributable  to  an  increase  of  $16.6  million  in  Accounts  payable,  $11.5  million  in  Accrued
compensation related costs attributable to current year increases in incentive compensation, severance, accrued vacation liabilities and approximately
$5.9 million in the current portion of deferred payroll tax liabilities under the CARES Act. These increases were partially offset by the payment of
$34.2 million in annual incentive compensation and the employer 401(k) matching contribution made during the first quarter of 2020, and $7.0 million
in Accrued expenses and other current liabilities.  The majority of the change in Accrued expenses and other current liabilities relates to changes in the
fair value of our interest rate swap of $4.2 million and increases in patient prepayments and deposits of $3.0 million.  The increase also reflects $1.3
million in the Current portion of long-term debt and $0.7 million in the Current portion of operating lease liabilities.

Days sales outstanding (“DSO”) is a calculation that approximates the average number of days between the billing for our services and the date of our
receipt  of  payment,  which  we  estimate  using  a  90  day  rolling  period  of  net  revenue.    This  computation  can  provide  a  relative  measure  of  the
effectiveness  of  our  billing  and  collections  activities.    Clinics  acquired  during  the  past  90-day  period  are  excluded  from  the  calculation.    As  of
December 31, 2020, our DSO was 42 days, as compared to 48 days and 46 days as of December 31, 2019 and 2018, respectively.  We believe that one-
time  administrative  billing  changes  and  the  impact  of  implementing  our  patient  management  and  electronic  health  system  in  certain  of  our  largest
operating regions contributed to collection delays impacting our comparative prior year DSO as of December 31, 2019 by approximately four days.
 The  remainder  of  the  reduction  is  attributable  to  improved  collections  experience  due  to  the  targeted  efforts  of  our  centralized  revenue  cycle
management function.

Sources and Uses of Cash in the Year Ended December 31, 2020 Compared to December 31, 2019

Cash flows provided by operating  activities  increased  $96.7 million  to an inflow of $155.6 million  for the year ended December  31, 2020 from an
inflow of $58.8 million for year ended December 31, 2019.  The most significant increase in cash provided by operating activities was due to a $46.7
million increase in cash provided by Accounts receivable, net which is largely attributable to improvements in our collection activities, consistent with
the  decrease  in  DSO  to  42  days  as  of  December  31,  2020,  compared  to  a  DSO  of  48  days  as  December  31,  2019.    In  addition,  cash  flows  from
operating activities benefited from an increase in Accounts payable of $21.4 million, as well as higher Net income of approximately $10.7 million,
which includes $24.0 million in grants received under the CARES Act, and Share-based compensation expense of $5.0 million. The remainder of the
increase in net cash inflows provided by operating activities related to income taxes of $5.7 million, primarily due to the temporary relief provided
under the CARES Act, and favorable changes in working capital in Other liabilities, Accrued compensation related costs, Accrued expenses and other
current liabilities, and Other current assets and other assets of $15.7 million.  The increases in Accrued compensation related costs and Other liabilities
include $11.8 million in deferred payroll tax liabilities associated with the CARES Act.  These increases in cash flows provided by operating activities
were partially offset by increases in Inventories of $7.8 million, which partially relates to inventories from O&P clinics acquired during the year.

We  believe  the  favorable  working  capital  trends  experienced  during  2020  to  be  largely  temporary,  as  they  related  primarily  to  a  reduction  in  the
amount of our required working capital resulting from decreases in our business volumes associated with the onset of the COVID-19 pandemic, and, to
a lesser extent, our temporary actions to further reduce our net working capital through reductions in accounts receivable and negotiated changes in
payment  terms.    Excluding  cash,  income  taxes  receivable  and  the  current  portion  of  our  long-term  debt,  our  net  investment  in  working  capital
decreased by $59.7 million during 2020.   This decrease contributed to an increase in our reported operating cash flow and cash balances during the
course  of  the  year.      As  such,  our  reported  operating  cash  flow  was  not  indicative  of  what  could  reasonably  be  expected  during  a  normal  year  of
operation.

Given these factors, we are unlikely to experience similar favorable contributions to operating cash flow from working capital improvements in 2021.
 Further,  as the  COVID-19 pandemic  subsides and our business  volumes  return  to more  normal  levels,  we anticipate  the favorable  working capital
trends observed throughout 2020 to reverse in the form of increases to our accounts receivable, inventory, and cash paid to vendors as our credit terms
return to previous arrangements, as well as further reductions as other temporary working capital benefits subside.  For these reasons, and the reasons
discussed in the “Liquidity Outlook” section below, we currently believe that we will experience a net consumption of cash during at least the next six
month period.

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Cash flows used in investing activities decreased $21.3 million to $45.9 million for the year ended December 31, 2020 from $67.2 million for the year
ended  December  31,  2019.    The  decrease  in  cash  used  in  investing  activities  was  primarily  due  to  lower  cash  outflows  of  $14.8  million  for
acquisitions,  net of  cash  acquired,  as approximately  $22.0 million  of the  purchase  price  for acquisitions  closed  in  2020 is  included  as  cash used  in
financing activities, and lower capital expenditures of $5.0 million during the year ended December 31, 2020, partially offset by $1.3 million more in
proceeds from the sale of property, plant and equipment.

Cash  flows  used  in  financing  activities  increased  $27.1  million  to  $39.5  million  for  the  year  ended  December  31,  2020  from  cash  flows  used  in
financing activities of $12.4 million for the year ended December 31, 2019.   This increase in cash used in financing activities was primarily due to
higher cash outflows of $21.6 million related to payments on sellers notes and additional consideration, of which $22.0 million relates to acquisitions
that closed in 2020, $3.2 million of employee taxes on stock-based compensation, and $0.8 million in payments under vendor financing arrangements
that occurred solely in 2020.

Capital Expenditures and Deferred Cloud Implementation Expenditures

During  2020,  we  expended  a  combined  total  of  $28.1  million  for  the  purchase  of  property,  plant,  and  equipment,  and  the  purchase  of  therapeutic
program equipment.  Our capital expenditures relate primarily to our investment in leasehold and other machinery and equipment for our patient care
clinics,  for  equipment  we  use  in  providing  therapeutic  solutions,  as  well  as  for  the  purchase  or  development  of  information  technology  assets  that
support our businesses and corporate activities.  During 2021, we anticipate that we will incur an increase in capital expenditures, and in deferred cloud
implementation expenditures, in connection with our planned reconfiguration of distribution facilities and our related implementation of supply chain
and financial systems.  In 2021, due to these projects, we currently estimate that our capital expenditures will increase to approximately $35 million.
 Of this amount, we estimate that approximately $8 million to $9 million will relate to our distribution and fabrication facility leasehold and equipment
expenditures.    In  addition  to  this  capital  expenditure  amount,  we  estimate  that  we  will  incur  $4  million  to  $6  million  in  incremental  expenditures
related to the implementation of cloud-based supply chain and financial systems that will be deferred in accordance with ASU 2018-15 and will be
included in future expense over the periods of operation of these systems.  These expenditures are anticipated to be separate from and additional to the
operating  expenses  discussed  in  “New  Systems  Implementations”  section  above.    We  currently  expect  similar  levels  of  expenditures  related  to  our
supply chain and financial systems implementations through 2022.

Effect of Indebtedness

On  March  6,  2018,  we  entered  into  a  new  Credit  Agreement  in  order  to  refinance  our  indebtedness,  as  disclosed  in  Note  M  -  “Debt  and  Other
Obligations,” in the notes to the consolidated financial statements contained elsewhere in this report.  Our indebtedness bears reduced rates of interest
compared with those under our prior agreement, and as such, for the year ended December 31, 2020, we incurred interest expense of $32.4 million
compared with the $34.3 million incurred in 2019 and the $37.6 million incurred in 2018.  Cash paid for interest totaled $28.4 million, $29.2 million,
and $31.3 million for the years ended December 31, 2020, 2019, and 2018 respectively.

In May 2020, we entered into an amendment to the Credit Agreement (the “Amendment”) that provided for, amongst other things, an increase in the
maximum Net Leverage Ratio to 5.25 to 1.00 for the fiscal quarters ended June 30, 2020 through March 31, 2021; 5.00 to 1.00 for the fiscal quarters
ended June 30, 2021 through September 30, 2021; and 4.75 to 1.00 for the quarter ended December 31, 2021 and the last day of each fiscal quarter
thereafter.  In addition, the Amendment changed the definition of EBITDA used in the Net Leverage Ratio and minimum interest coverage ratio to
adjust  for  declines  in  net  revenue  attributable  to  the  COVID-19  pandemic.    Borrowings  under  the  revolving  credit  facility  will  bear  interest  at  a
variable  rate  equal  to  the  greater  of  LIBOR  or  1.00%,  plus  3.75%.    In  addition,  the  Amendment  contained  certain  restrictions  and  covenants  that
further limit our ability, and certain of our subsidiaries’ ability, to consolidate or merge, create liens, incur additional indebtedness, dispose of assets, or
consummate acquisitions not financed with the proceeds of an equity offering, except that certain acquisitions are permitted after September 30, 2020,
in  the  event  we  maintain  certain  leverage  and  liquidity  thresholds.    During  the  fourth  quarter  of  2020,  we  recommenced  our  acquisition  of  O&P
providers.

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Scheduled maturities of debt as of December 31, 2020 were as follows (in thousands):

(in thousands)
2021
2022
2023
2024
2025
Thereafter

Total debt before unamortized discount and debt issuance costs, net

Unamortized discount and debt issuance costs, net

Total debt

Liquidity Outlook and Going Concern Evaluation

$

$

 10,368
 8,868
 8,434
 7,734
 472,820
 2,268
 510,492
 (7,395)
 503,097

Our  Credit  Agreement  has  a  term  loan  facility  with  $491.1  million  in  principal  outstanding  at  December  31,  2020,  due  in  quarterly  principal
installments equal to 0.25% of the original aggregate principal amount of $505 million, commencing June 29, 2018, with all remaining outstanding
principal due at maturity in March 2025, and a revolving credit facility with no borrowings and a maximum aggregate amount of availability of $100
million at June 30, 2018 that matures in March 2023.  We chose to borrow $79.0 million from our revolving credit facility in March 2020 to preserve
access  to  these  funds  in  the  event  of  further  instability  in  financial  markets  due  to  the  COVID-19  pandemic,  all  of  which  has  been  repaid  as  of
December 31, 2020.

Historically, our primary sources of liquidity are cash and cash equivalents, and available borrowings under our revolving credit facility.  Due to the
economic and social activity impacts outlined in the “Effects of the COVID-19 Pandemic” section above, we expect the continuing disruption to have
an adverse impact on our operations, financial condition, and results of operations.  While we believe the business disruption will be temporary, we
cannot  predict  the  extent  or  duration  of  the  COVID-19  pandemic,  when  state  and  local  restrictions  will  be  lifted,  the  impact  of  increasing  viral
infections, or when patients will resume their normal healthcare treatment activities.  In response to the expected decline in cash flows from operations,
in March 2020, we implemented certain cost mitigation and liquidity management strategies including, but not limited to, reductions in componentry
purchases, salary reductions for all exempt employees, the furloughing of certain employees, reductions in non-exempt employee hours, reductions in
bonus  and  commission  expenses,  the  temporary  reduction  in  operating  hours  and  days  of  clinics,  reducing  other  operating  expenses,  deferring  the
implementation of our New Systems Implementations, temporarily delaying our acquisition of O&P providers, and extending the payment terms for
certain vendors.  These measures were taken in an effort to preserve liquidity in a manner sufficient to provide for our ability to respond to the adverse
cash flow pressures likely to be caused by the COVID-19 pandemic.  While some of our cost mitigation and liquidity strategies remain in place, as of
the  start  of  the  fourth  quarter,  we  fully  reinstated  the  salary  reductions  for  exempt  employees  and  eliminated  all  but  a  small  number  of  employee
furloughs.  Further, we recommenced our acquisitions of O&P providers in the fourth quarter of 2020.  Please refer to the “Effects of the COVID-19
Pandemic” section above for our current estimates of the amounts of operating and capital expenditure reductions provided through our cost mitigation
and liquidity management measures.

In connection with an acquisition we completed in April 2020, we paid $18.4 million in short term seller notes and $3.6 million in liabilities incurred
in the transaction in October 2020.  Additionally, as discussed above, the favorable working capital trends we experienced throughout 2020 are largely
temporary.  As our business volumes return to more normal levels, we will experience a consumption of cash associated with the funding of accounts
receivable and componentry inventories associated with those increases in revenue.  In addition to these amounts, we anticipate other uses of cash to
fund the reduction of increases in accrued compensation associated with employee bonus, commissions, and payroll taxes.

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While we currently do not anticipate the need to do so, if the COVID-19 pandemic causes adverse cash flow and liquidity trends greater than those we
currently  expect  and  have planned  for,  we may  find  it necessary  to  seek  additional  borrowings  to  fund our  operations.   If  we were to  do so, given
current credit market conditions, we may find that such additional borrowings are not available at that time, and if they are available, that the interest
costs of such borrowings and effects on the costs of our existing borrowings could be significantly higher than the costs we currently pay under our
existing Credit Agreement.  Additionally, while we do not currently have the need or intention to do so, if necessary, we may extend our accounts
payable and payment of other obligations to address any such funding shortage.  While we cannot forecast with certainty the ultimate extent of the
impacts from or the duration of the COVID-19 pandemic, we believe that our operating expense and capital project reductions, when accompanied by
additional cash sources, cost mitigation and liquidity management strategies, will enable us to maintain positive liquidity for the foreseeable future.

CARES Act

The CARES Act established the Public Health and Social Services Emergency Fund, also referred to as the Cares Act Provider Relief Fund, which set
aside  $178.0  billion  to  be  administered  through  grants  and  other  mechanisms  to  hospitals,  public  entities,  not-for-profit  entities  and  Medicare-  and
Medicaid- enrolled suppliers and institutional providers.  The purpose of these funds is to reimburse providers for lost revenue and health-care related
expenses that are attributable to the COVID-19 pandemic.  In April 2020, the U.S. Department of Health and Human Services (“HHS”) began making
payments to healthcare providers from the $178.0 billion appropriation.  These are payments, rather than loans, to healthcare providers, and will not
need to be repaid.

During 2020, we recognized a total benefit of $24.0 million in our consolidated statement of operations within Other operating costs for the Grants
from HHS.  We recognize income related to grants on a systematic and rational basis when it becomes probable that we have complied with the terms
and conditions of the grant and in the period in which the corresponding costs or income related to the grant are recognized.  We recognized the benefit
from the Grants within Other operating costs in our Patient Care segment.  

The  CARES Act  also  provides  for  a  deferral  of  the  employer  portion  of  payroll  taxes  incurred  during  the  COVID-19  pandemic  through  December
2020.  The provisions allow us to defer half of such payroll taxes until December 2021 and the remaining half until December 2022.  We deferred
$11.8  million  of  payroll  taxes  within  Accrued  compensation  related  costs  and  Other  liabilities,  of  which  $5.9  million  is  included  in  Accrued
compensation related costs, in the consolidated balance sheet as of December 31, 2020.

Going Concern Evaluation

ASU  2014-15  Disclosure  of  Uncertainties  about  an  Entity’s  Ability  to  Continue  as  a  Going  Concern requires  that  we  evaluate  whether  there  is
substantial  doubt  about  our  ability  to  meet  our  financial  obligations  when  they  become  due  during  the  twelve  month  period  from  the  date  these
financial statements are available to be issued.  We have performed such an evaluation considering the financial and operational effects of the COVID-
19 pandemic and, based on the results of that assessment, we are not aware of any relevant conditions or events that raise substantial doubt regarding
our ability to continue as a going concern within one year of the date the financial statements are issued.

Off-Balance Sheet Arrangements

We have no off-balance sheet arrangements that may or could have a current or future material effect on our financial condition, revenues or expenses,
results of operations, liquidity, capital expenditures, or capital resources.

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Contractual Obligations

The following table sets forth our contractual obligations and commercial commitments as of December 31, 2020 for each of the indicated periods:

(in thousands)
Debt principal payments
Lease obligations (1)
Interest payments on debt
Other long-term obligations
Total contractual cash obligations

2021
$  10,368
 42,665
 26,458
 17,222
$  96,713

$

2022
 8,868
 37,296
 25,994
 9,234
$  81,392

$

2023
 8,434
 27,491
 25,112
 7,377
$  68,414

$

2024
 7,734
 17,490
 20,555
 4,483
$  50,262

2025
$  472,820
 10,754
 2,976
 3,285
$  489,835

$

$

 2,268
 35,219

 10,736
 48,223

 —  

Total
$  510,492
 170,915
 101,095
 52,337
$  834,839

     Thereafter     

(1) Lease  obligations  include  Operating  and  Finance  leases  included  in  the  consolidated  balance  sheet  as  of  December  31,  2020,  and  in  addition,
payments for lease obligations under lease agreements that have not commenced and, as such, are not reflected in the consolidated balance sheet
as of December 31, 2020.

Dividends

It is our policy to not pay cash dividends on our common stock, and, given our capital needs, we currently do not foresee a change in this policy.  Our
Credit Agreement limits our ability to pay dividends, and we currently anticipate that these restrictions will continue to exist in future agreements that
we may enter.

ITEM 7A.         QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK.

Our future financial results are subject to a variety of risks, including interest rate risk.  As of December 31, 2020, the interest expense arising from the
$491.1 million of outstanding borrowings under both our term loan facility  under our Credit Agreement and our revolving credit  facility under our
Credit Agreement was subject to variable interest rates, partially offset by interest income subject to variable interest rates generated from our $144.6
million of cash equivalents as of that date.  As of December 31, 2020, we had $19.4 million of fixed rate debt which included subordinated Seller notes
and the deferred payment obligation, and financing leases.  As of December 31, 2020, there were no borrowings under our revolving credit facility.

Set  forth  below  is  an  analysis  of  our  financial  instruments  as  of  December  31,  2020  that  were  sensitive  to  changes  in  interest  rates.    The  table
demonstrates the changes in estimated annual cash flow related to the outstanding balance under the revolving and term loan facilities and the interest
rate swap, calculated for an instantaneous shift in interest rates, plus or minus 50 BPS, 100 BPS, and 150 BPS.  As of December 31, 2020, the interest
rate on the term loan facilities was 3.65% based on a LIBOR rate of 0.15%, with an interest rate floor of 0%, and an applicable margin of 3.50%.

Cash Flow Risk
(in thousands)
Term Loan and Revolver and
Swap

Annual Interest Expense Given an
Interest Rate Decrease of X Basis Points
(50 BPS)
(150 BPS)     

(100 BPS)     

No Change in 
     Interest Rates     

Annual Interest Expense Given an
Interest Rate Increase of X Basis Points
150 BPS
50 BPS

100 BPS     

25,499

25,499

25,499

25,781

26,737

27,692

28,648

64

    
    
    
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
    
    
    
    
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ITEM 8.         FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA.

INDEX TO FINANCIAL STATEMENTS

Hanger, Inc.

Report of Independent Registered Public Accounting Firm
Consolidated Balance Sheets as of December 31, 2020 and 2019
Consolidated Statements of Operations for the Three Years Ended December 31, 2020
Consolidated Statements of Comprehensive Income (Loss) for the Three Years Ended December 31, 2020
Consolidated Statements of Changes in Shareholders’ Equity (Deficit) for the Three Years Ended December 31, 2020
Consolidated Statements of Cash Flows for the Three Years Ended December 31, 2020
Notes to Consolidated Financial Statements

66
68
69
70
71
72
74

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Report of Independent Registered Public Accounting Firm

To the Board of Directors and Shareholders of Hanger, Inc.

Opinions on the Financial Statements and Internal Control over Financial Reporting

We have audited the accompanying consolidated balance sheets of Hanger, Inc. and its subsidiaries (the “Company”) as of December 31, 2020 and
2019, and the related consolidated statements of operations, comprehensive income (loss), changes in shareholders’ equity (deficit) and cash flows for
each of the three years in the period ended December 31, 2020, including the related notes (collectively referred to as the “consolidated financial
statements”). We also have audited the Company's internal control over financial reporting as of December 31, 2020, based on criteria established in
Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of the Company as
of December 31, 2020 and 2019, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2020
in conformity with accounting principles generally accepted in the United States of America. Also in our opinion, the Company maintained, in all
material respects, effective internal control over financial reporting as of December 31, 2020, based on criteria established in Internal Control -
Integrated Framework (2013) issued by the COSO.

Change in Accounting Principle

As discussed in Note A to the consolidated financial statements, the Company changed the manner in which it accounts for leases in 2019.

Basis for Opinions

The Company's management is responsible for these consolidated financial statements, for maintaining effective internal control over financial
reporting, and for its assessment of the effectiveness of internal control over financial reporting, included in Management’s Report on Internal Control
over Financial Reporting appearing under Item 9A. Our responsibility is to express opinions on the Company’s consolidated financial statements and
on the Company's internal control over financial reporting based on our audits. We are a public accounting firm registered with the Public Company
Accounting Oversight Board (United States) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S.
federal securities laws and the applicable rules and regulations of the Securities and Exchange Commission and the PCAOB.

We conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain
reasonable assurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud, and whether
effective internal control over financial reporting was maintained in all material respects.

Our audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement of the consolidated
financial statements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a
test basis, evidence regarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting
principles used and significant estimates made by management, as well as evaluating the overall presentation of the consolidated financial statements.
Our audit of internal control over financial reporting included obtaining an understanding of internal control over financial reporting, assessing the risk
that a material weakness exists, and testing and evaluating the design and operating effectiveness of internal control based on the assessed risk. Our
audits also included performing such other procedures as we considered necessary in the circumstances. We believe that our audits provide a
reasonable basis for our opinions.

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Definition and Limitations of Internal Control over Financial Reporting

A company’s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial
reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company’s
internal control over financial reporting includes those policies and procedures that (i) pertain to the maintenance of records that, in reasonable detail,
accurately and fairly reflect the transactions and dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are
recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and
expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (iii) provide
reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that could have
a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any
evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the
degree of compliance with the policies or procedures may deteriorate.

Critical Audit Matters

The critical audit matter communicated below is a matter arising from the current period audit of the consolidated financial statements that was
communicated or required to be communicated to the audit committee and that (i) relates to accounts or disclosures that are material to the
consolidated financial statements and (ii) involved our especially challenging, subjective, or complex judgments. The communication of critical audit
matters does not alter in any way our opinion on the consolidated financial statements, taken as a whole, and we are not, by communicating the critical
audit matter below, providing a separate opinion on the critical audit matter or on the accounts or disclosures to which it relates.

Payor Disallowances

As described in Notes A and D to the consolidated financial statements, the Company’s estimate of implicit price concessions related to payor
disallowances was $39.3 million as of December 31, 2020. The estimate for payor disallowances utilizes the expected value method by considering
historical collection experience by each of the Medicare and non-Medicare primary payor class groupings. For each payor class grouping, liquidation
analyses of historical period-end receivable balances are performed by management to ascertain collections experience by aging category. In the
absence of an evident adverse trend, management uses historical experience rates calculated using an average of four quarters of data with at least
twelve months of adjudication. Management will modify the time periods analyzed when significant trends indicate that adjustments should be made.

The principal considerations for our determination that performing procedures relating to payor disallowances is a critical audit matter are the
significant judgment by management to determine the estimate of payor disallowances. This in turn led to a high degree of auditor effort in performing
procedures and evaluating audit evidence relating to management’s estimate.

Addressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the
consolidated financial statements. These procedures included testing the effectiveness of controls relating to the estimated payor disallowances,
including controls over the completeness and accuracy of the underlying data. These procedures also included, among others, testing management’s
process for determining the estimate of payor disallowances. Testing management’s process included evaluating the appropriateness of the expected
value method; evaluating the reasonableness of the time periods analyzed by management to develop the estimate and evaluating the reasonableness of
payor class groupings; and testing the completeness and accuracy of the accounts receivable balance, aging of accounts receivable balance by payor
class groupings and the historical collection experience.

/s/PricewaterhouseCoopers LLP

Austin, Texas
March 1, 2021

We have served as the Company’s auditor since 1987.

67

HANGER, INC.
CONSOLIDATED BALANCE SHEETS
(dollars in thousands, except par value and share amounts)

Table of Contents

ASSETS
Current assets:

Cash and cash equivalents
Accounts receivable, net
Inventories
Income taxes receivable
Other current assets
Total current assets

Non-current assets:

Property, plant, and equipment, net
Goodwill
Other intangible assets, net
Deferred income taxes
Operating lease right-of-use assets
Other assets
Total assets

TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY
Current liabilities:

Current portion of long-term debt
Accounts payable
Accrued expenses and other current liabilities
Accrued compensation related costs
Current portion of operating lease liabilities

Total current liabilities

Long-term liabilities:

Long-term debt, less current portion
Operating lease liabilities
Other liabilities
Total liabilities

Commitments and contingent liabilities (Note R)
Shareholder’s equity:

Common stock, $0.01 par value; 60,000,000 shares authorized; 38,321,796 shares issued and 38,178,975 shares
outstanding at 2020, and 37,602,873 shares issued and 37,460,052 shares outstanding at 2019, respectively
Additional paid-in capital
Accumulated other comprehensive loss
Accumulated deficit
Treasury stock, at cost; 142,821 shares at 2020 and 2019, respectively

Total shareholder’s equity
Total liabilities and shareholders’ equity

As of December 31, 
2019
2020

$

$

$

$

144,602
128,596
76,429
12,888
12,357
374,872

84,873
277,223
18,431
54,877
124,741
15,734
950,751

10,085
65,091
62,861
72,541
35,002
245,580

493,012
104,589
56,593
899,774

383
365,503
(20,215)
(293,998)
(696)
50,977
950,751

$

$

$

$

74,419
159,359
68,204
—
13,673
315,655

84,057
232,244
17,952
70,481
110,559
11,305
842,253

8,752
48,477
55,825
61,010
34,342
208,406

490,121
88,418
45,804
832,749

376
354,326
(12,551)
(331,951)
(696)
9,504
842,253

The accompanying notes are an integral part of the consolidated financial statements.

68

    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
HANGER, INC.
CONSOLIDATED STATEMENTS OF OPERATIONS
 (dollars in thousands, except share and per share amounts)

Table of Contents

Net revenues
Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization
Impairment of intangible assets

Income from operations

Interest expense, net
Loss on extinguishment of debt
Non-service defined benefit plan expense

Income before income taxes

Provision for income taxes

Net income (loss)

Basic and Diluted Per Common Share Data:

Basic income (loss) per share
Weighted average shares used to compute basic earnings per common share
Diluted income (loss) per share
Weighted average shares used to compute diluted earnings per common share

The accompanying notes are an integral part of the consolidated financial statements.

69

$

$

For the Years Ended December 31, 
2019
1,098,046
357,771
372,225
134,943
118,065
13,689
35,925
—
65,428
34,258

2020
1,001,150
315,410
351,191
99,854
118,764
9,177
34,847
—
71,907
32,445

—  
632
38,830
638
38,192

$

—  
691
30,479
2,954
27,525

$

2018
1,048,760
338,017
364,089
123,902
109,552
16,915
36,455
183
59,647
37,566
16,998
703
4,380
5,238
(858)

1.01
37,948,796
0.99
38,598,330

$

$

0.74
37,267,188
0.72
38,064,617

$

$

(0.02)
36,764,551
(0.02)
36,764,551

$

$

$

$

    
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

HANGER, INC.
CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)
(in thousands)

For the Years Ended December 31, 
2019

2020

2018

Net income (loss)

Other comprehensive loss:

Unrealized loss on cash flow hedges, net of tax benefit of ($2,103), ($2,278), and ($922),
respectively
Unrealized (loss) gain on defined benefit plan, net of tax (benefit) provision of ($326),
($259), and $142, respectively

Total other comprehensive loss
Comprehensive income (loss)

$

$

$

38,192

$

27,525

$

(858)

(6,634)

$

(7,201)

$

(2,936)

(1,030)
(7,664)
30,528

$

(819)
(8,020)
19,505

$

454
(2,482)
(3,340)

The accompanying notes are an integral part of these consolidated financial statements.

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HANGER, INC.
CONSOLIDATED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (DEFICIT)
For the Three Years Ended December 31, 2020
(dollars and share amounts in thousands)

Balance, December 31, 2017
Cumulative effect of a change in accounting for revenue
recognition
Balance, January 1, 2018
Net loss
Share-based compensation expense
Issuance in connection with the exercise of stock options
Issuance of common stock upon vesting of restricted
stock units
Effect of shares withheld to cover taxes
Reclassification of certain tax effects from accumulated
other comprehensive loss
Total other comprehensive loss
Balance, December 31, 2018
Cumulative effect of a change in accounting for leases
(Note A)
Balance, January 1, 2019
Net income
Share- based compensation expense
Issuance in connection with the exercise of stock options 
Issuance of common stock upon vesting of restricted
stock units
Effect of shares withheld to cover taxes
Total other comprehensive loss
Balance, December 31, 2019
Cumulative effect of a change in accounting for credit
losses
Balance, January 1, 2020
Net income
Share-based compensation expense
Issuance in connection with the exercise of stock options
Issuance of common stock upon vesting of restricted
stock units
Effect of shares withheld to cover taxes
Total other comprehensive loss
Balance, December 31, 2020

Common

Additional
Paid-in
    Shares, Balance    Stock, Par Value     Capital
$ 333,738

Common

36,372

365

$

Accumulated
Other

Comprehensive Accumulated Treasury
     Deficit

Loss

     Stock      Total

$

(1,686)

$

(359,772)

$

(696)

$(28,051)

—
36,372

$
—  
—  
5

544
—  

—
—
36,921

$

—  
$

36,921
—
—
104

435
—
—
37,460

$

37,460

—  
$
—  
—
7

712
—  
—
38,179

$

—
365
—  
—  
—

—
$ 333,738

$
—  

13,065
64

6
—  

(6)
(2,906)

—
(1,686)

$
—  
—  
—

—
—  

(756)
(360,528)
(858)

$

—  
—

—
—  

—
(696)

(756)
$(28,807)
—  
(858)
—   13,065
64
—

—
—  

—
(2,906)

—
—
371

—
—
$ 343,955

$

(363)
(2,482)
(4,531)

$

363
—
(361,023)

$

—
—
(696)

—
(2,482)
$(21,924)

—  
$

—  
371
—
—
1

$ 343,955
—
13,414
1,098

4
—
—
376

(4)
(4,137)
—
$ 354,326

$

—  
376
—  
—
—

$ 354,326

—  
$
—  

18,448
92

7
—  
—
383

(7)
(7,356)
—
$ 365,503

$

—  
$

(4,531)
—
—
—  

$

1,547
(359,476)
27,525
—
—  

—
—
(8,020)
(12,551)

$

(12,551)

—  
$
—  
—
—

—
—  

(7,664)
(20,215)

$

—
—
—
(331,951)

(239)
(332,190)
38,192
—
—

—
—
—
(293,998)

$

$

$

—  

(696)
—
—
—  

1,547
$(20,377)
27,525
13,414
1,099

—
—
—
(696)

—
(4,137)
(8,020)
$ 9,504

(696)

—  

(239)
$ 9,265
—   38,192
18,448
—
92
—

—
—  
—
(696)

—
(7,356)
(7,664)
$ 50,977

The accompanying notes are an integral part of the consolidated financial statements.

71

    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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HANGER, INC. 
CONSOLIDATED STATEMENTS OF CASH FLOWS 
(dollars in thousands)

Cash flows provided by operating activities:

Net income (loss)

Adjustments to reconcile net income (loss) to net cash from operating activities:

Depreciation and amortization
Provision (benefit) for doubtful accounts
Impairment of intangible assets
Share-based compensation expense
Deferred income taxes
Amortization of debt discounts and issuance costs
Loss on extinguishment of debt
Gain on sale and disposal of fixed assets
Changes in operating assets and liabilities, net of acquisitions:

Accounts receivable, net
Inventories
Other current assets and other assets
Income taxes receivable
Accounts payable
Accrued expenses and other current liabilities
Accrued compensation related costs
Other liabilities
Operating lease liabilities, net of amortization of right-of-use assets

Changes in operating assets and liabilities:

Net cash provided by operating activities
Cash flows used in investing activities:
Acquisitions, net of cash acquired
Purchase of property, plant, and equipment
Purchase of therapeutic program equipment leased to third parties under operating leases
Proceeds from sale of property, plant and equipment
Other investing activities, net
Net cash used in investing activities
Cash flows (used in) provided by financing activities:

Borrowings under revolving credit agreement
Repayments under revolving credit agreement
Payment of seller notes and additional consideration
Payment of employee taxes on stock-based compensation
Borrowings under term loan, net of discount
Repayment of term loan
Payments under vendor financing arrangements
Payment of financing lease obligations
Payment of debt issuance costs
Proceeds from exercise of options
Payment of debt extinguishment costs

Net cash (used in) provided by financing activities
Increase (decrease) in cash, cash equivalents and restricted cash
Cash, cash equivalents, and restricted cash, at beginning of period
Cash, cash equivalents, and restricted cash, at end of period

$

72

For the Years Ended December 31, 
2019

2018

2020

$

38,192

$

27,525

$

(858)

34,847
295
—  

18,448
17,432
2,085

—  

(3,134)

35,925
1,131

—  

13,414
(3,226)
1,623

—  

(1,614)

34,378
(6,258)
(628)
(13,757)
14,674
217
11,349
4,778
2,649
47,402
155,567

(21,801)
(24,500)
(3,592)
3,890
135
(45,868)

79,000
(79,000)
(25,415)
(7,356)
—
(5,050)
(825)
(748)
(214)
92
—
(39,516)
70,183
74,419
144,602

$

(12,329)
1,568
(2,611)
1,248
(6,725)
(1,242)
5,780
(1,883)
262
(15,932)
58,846

(36,585)
(26,433)
(6,672)
2,598
(66)
(67,158)

—
—  

(3,821)
(4,137)
—
(5,050)
—
(474)
—
1,099
—
(12,383)
(20,695)
95,114
74,419

$

36,455
(733)
183
13,065
3,452
2,837
16,998
(2,713)

3,238
1,750
4,459
12,700
6,511
(16,550)
1,713
(3,980)
—
9,841
78,527

(1,978)
(18,984)
(9,835)
4,237
(598)
(27,158)

3,000
(8,000)
(2,599)
(2,906)
501,467
(435,660)
—
(1,207)
(6,757)
64
(8,436)
38,966
90,335
4,779
95,114

    
    
    
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

Reconciliation of Cash, Cash Equivalents, and Restricted Cash
Cash and cash equivalents, at beginning of period
Restricted cash, at beginning of period
Cash, cash equivalents, and restricted cash, at beginning of period

Cash and cash equivalents, at end of period
Restricted cash, at end of period
Cash, cash equivalents, and restricted cash, at end of period

$

$

$

$

Years Ended December 31,
2019

2020

2018

74,419

$
—  
$

74,419

144,602

$
—  
$

144,602

95,114

$
—  
$

95,114

74,419

$
—  
$

74,419

1,508
3,271
4,779

95,114
—
95,114

A reconciliation of the change in operating lease liabilities, net of amortization of right-of-use assets is as follows:

(in thousands)
Operating lease liabilities
Amortization of right-of-use assets
Operating lease liabilities, net of amortization of right-of-use assets

The supplemental disclosure requirements for the statements of cash flows are as follows:

(in thousands)
Cash paid during the period for:

Interest paid
Income tax (refunds received) paid

Non-cash financing and investing activities:

For the Years Ended December 31, 
2019

2018

2020

$

$

(37,343)
39,992
2,649

$

$

(36,911)
37,173
262

$

$

—
—
—

For the Years Ended December 31, 
2019

2020

2018

$

28,411
(2,979)

$

29,192
5,100

$

31,312
(11,131)

Seller notes, deferred payment obligations and additional consideration related to acquisitions
Purchase of property, plant and equipment in accounts payable at period end
Purchase of property, plant and equipment through vendor financing
Additions to property, plant and equipment acquired through financing obligations
Retirements of financed property, plant and equipment and related financing obligations

31,579
3,955

—  
—  
—  

7,885
2,998
2,200

—  
—  

1,120
5,018
—
1,523
4,460

The accompanying notes are an integral part of the consolidated financial statements.

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HANGER, INC.
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
As of and for the Years Ended December 31, 2020, 2019, and 2018

Note A — Organization and Summary of Significant Accounting Policies

Description of Business

Hanger, Inc. (“we,” “our,” or “us”) is a leading national provider of products and services that assist in enhancing or restoring the physical capabilities
of patients with disabilities or injuries. We provide orthotic and prosthetic (“O&P”) services, distribute O&P devices and components, manage O&P
networks,  and  provide  therapeutic  solutions  to  patients  and  businesses  in  acute,  post-acute,  and  clinic  settings.  We  operate  through  two  segments,
Patient Care and Products & Services.

Our Patient Care segment is primarily comprised of Hanger Clinic, which specializes in the design, fabrication, and delivery of custom O&P devices
through 704 patient care clinics and 112 satellite locations in 46 states and the District of Columbia as of December 31, 2020.  On a regular basis, we
have been opening, closing, and merging patient care locations and satellite locations.  During the year ended December 31, 2020, we have opened or
acquired  59 and closed or consolidated 55 patient care locations.

Our  Products  &  Services  segment  is  comprised  of  our  distribution  services  and  therapeutic  solutions  businesses.  As  a  leading  provider  of  O&P
products in the United States, we engage in the distribution of a broad catalog of O&P parts, componentry, and devices to independent O&P providers
nationwide.  The  other  business  in  our  Products  &  Services  segment  is  our  therapeutic  solutions  business,  which  develops  specialized  rehabilitation
technologies and provides evidence-based clinical programs for post-acute rehabilitation to patients at approximately 4,000 skilled nursing and post-
acute providers nationwide.

Principles of Consolidation

Our consolidated financial statements include our accounts and those of our wholly-owned subsidiaries. All intercompany transactions and balances
have been eliminated in the accompanying consolidated financial statements.

Use of Estimates and Assumptions

The  preparation  of  consolidated  financial  statements  in  conformity  with  accounting  principles  generally  accepted  in  the  United  States  of  America
(“GAAP”) requires the use of estimates and assumptions that affect the reported amounts of revenues, expenses, assets, liabilities, and contingencies.
 Although actual results in subsequent periods may differ from these estimates, such estimates are developed based on the best information available to
management and based on management’s best judgments at the time.  We base our estimates on historical experience, observable trends, and various
other assumptions that we believe are reasonable under the circumstances.  All significant assumptions and estimates underlying the amounts reported
in  the  consolidated  financial  statements  and  accompanying  notes  are  regularly  reviewed  and  updated  when  necessary.    Changes  in  estimates  are
reflected  prospectively  in  the  consolidated  financial  statements  based  upon  on-going  actual  trends,  or  subsequent  settlements  and  realizations
depending  on  the  nature  and  predictability  of  the  estimates  and  contingencies.    Interim  changes  in  estimates  related  to  annual  operating  costs  are
applied prospectively within annual periods. Although we believe that our estimates are reasonable, actual results could differ from these estimates.

The  most  significant  assumptions  and  estimates  underlying  these  consolidated  financial  statements  and  accompanying  notes  involve  revenue
recognition  and  accounts  receivable  valuation,  inventories,  accounts  payable  and  accrued  liabilities,  impairments  of  long-lived  assets  including
goodwill, income taxes, business combinations, leases, and stock-based compensation.

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Revenue Recognition

Patient Care Segment

Revenue in our Patient Care segment is primarily derived from contracts with third party payors for the provision of O&P devices and is recognized
upon the transfer of control of promised products or services to the patient at the time the patient receives the device.  At, or subsequent to delivery, we
issue an invoice to the third party payor, which primarily consists of commercial insurance companies, Medicare, Medicaid, the VA, and private or
patient  pay  (“Private  Pay”)  individuals.    We  recognize  revenue  for  the  amounts  we  expect  to  receive  from  payors  based  on  expected  contractual
reimbursement rates, which are net of estimated contractual discounts and implicit price concessions.  These revenue amounts are further revised as
claims are adjudicated, which may result in additional disallowances.  As such, these adjustments do not relate to an inability to pay, but to contractual
allowances, our failure to ensure that a patient was currently eligible under a payor’s health plan, that the plan provides full O&P benefits, that we
received prior authorization, that we filed or appealed the payor’s determination timely, on the basis of our coding, failure by certain classes of patients
to  pay  their  portion  of  a  claim,  or  other  administrative  issues  which  are  considered  as  part  of  the  transaction  price  and  recorded  as  a  reduction  of
revenues.

Our products and services are sold with a 90-day labor and 180-day warranty for fabricated components.  Warranties are not considered a separate
performance obligation.  We estimate warranties based on historical trends and include them in accrued expenses and other current liabilities in the
consolidated balance sheet. The warranty liability was $2.2 million at December 31, 2020 and $2.5 million at December 31, 2019.

A portion of our O&P revenue comes from the provision of cranial devices.  In addition to delivering the cranial device, there are patient follow-up
visits where we assist in treating the patient’s condition by adjusting or modifying the cranial device.  We conclude that, for these devices, there are
two  performance  obligations  and  use  the  expected  cost  plus  margin  approach  to  estimate  for  the  standalone  selling  price  of  each  performance
obligation.  The allocated portion associated with the patient’s receipt of the cranial device is recognized when the patient receives the device while the
portion of revenue associated with the follow-up visits is initially recorded as deferred revenue.  On average, the cranial device follow-up visits occur
less than 90 days after the patient receives the device and the deferred revenue is recognized on a straight-line basis over the period.

Medicare and Medicaid regulations and the various agreements we have with other third party payors, including commercial healthcare payors under
which  these  contractual  adjustments  and  payor  disallowances  are  calculated,  are  complex  and  are  subject  to  interpretation  and  adjustment  and  may
include multiple reimbursement mechanisms for different types of services.  Therefore, the particular O&P devices and related services authorized and
provided,  and  the  related  reimbursement,  are  subject  to  interpretation  and  adjustment  that  could  result  in  payments  that  differ  from  our  estimates.
 Additionally,  updated  regulations  and  reimbursement  schedules,  and  contract  renegotiations  occur  frequently,  necessitating  regular  review  and
assessment  of  the  estimation  process  by  management.    As  a  result,  there  is  a  reasonable  possibility  that  recorded  estimates  could  change  and  any
related adjustments will be recorded as adjustments to net revenue when they become known.

Products & Services Segment

Revenue in our Products & Services segment is derived from the distribution of O&P components and the leasing and sale of rehabilitation equipment
and ancillary consumable supplies combined with equipment maintenance, education, and training.

Distribution services revenues are recognized when obligations under the terms of a contract with our customers are satisfied, which occurs with the
transfer of control of our products.  This occurs either upon shipment or delivery of goods, depending on whether the terms are FOB Origin or FOB
Destination.    Payment  terms  are  typically  between  30 to  90  days.    Revenue  is  measured  as  the  amount  of  consideration  we  expect  to  receive  in
exchange for transferring products to a customer (“transaction price”).

To the extent that the transaction price includes variable consideration, such as prompt payment discounts, list price discounts, rebates, and volume
discounts, we estimate the amount of variable consideration that should be included in the transaction price utilizing the most likely amount method.
 Variable consideration is included in the transaction price if, in our judgment, it is probable that a significant future reversal of cumulative revenue
under the contract will not occur.  Estimates of variable consideration and determination of whether to include estimated amounts in the transaction
price  are  based  largely  on  an  assessment  of  our  anticipated  performance  and  all  information  (historical,  current,  and  forecasted)  that  is  reasonably
available.

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We  reduce  revenue  by  estimates  of  potential  future  product  returns  and  other  allowances.    Provisions  for  product  returns  and  other  allowances  are
recorded  as  a  reduction  to  revenue  in  the  period  sales  are  recognized.    We  make  estimates  of  the  amount  of  sales  returns  and  allowances  that  will
eventually  be  incurred.    Management  analyzes  sales  programs  that  are  in  effect,  contractual  arrangements,  market  acceptance,  and  historical  trends
when evaluating the adequacy of sales returns and allowance accounts.

Therapeutic program equipment and related services revenue are recognized over the applicable term the customer has the right to use the equipment
and as the services are provided.  Equipment sales revenue is recognized upon shipment, with any related services revenue deferred and recognized as
the services are performed.  Sales of consumables are recognized upon shipment.

In  addition,  we  estimate  amounts  recorded  to  bad  debt  expense  using  historical  trends  and  these  are  presented  as  a  bad  debt  expense  under  the
operating costs section of our consolidated financial statements.

Material Costs

Material  costs in our Patient Care segment reflect  purchases of orthotics  and prosthetic  componentry  and other related  costs in connection with the
delivery of care through our clinics and other patient care operations.  Material costs in our Products & Services segment reflect purchases of orthotics
and prosthetic materials and other related costs in connection with the distribution of products and services to third party customers.

Personnel Costs

Personnel costs reflect salaries, benefits, incentive compensation, contract labor, and other personnel costs we incur in connection with our delivery of
care through our clinics and other patient care operations, or distribution of products and services, and exclude similar costs incurred in connection
with general and administrative activities.

Other Operating Costs

Other operating costs reflect costs we incur in connection with our delivery of care through our clinics and other patient care operations or distribution
of products and services.  Marketing costs, including advertising, are expensed as incurred and are presented within this financial statement caption.
We  incurred  approximately  $1.9  million,  $3.8  million,  and  $3.8  million  in  advertising  costs  during  the  years  ended  December  31,  2020, 2019,  and
2018, respectively.  Other costs include rent, utilities, and other occupancy costs, general office expenses, bad debt expense, and travel and clinical
professional education costs, and exclude similar costs incurred in connection with general and administrative activities.

During  2020,  we  recognized  a  total  benefit  of  $24.0  million  in  our  consolidated  statement  of  operations  within  Other  operating  costs  for  the  grant
proceeds we received under the CARES Act (“Grants”) from HHS. We recognize income related to grants on a systematic and rational basis when it
becomes  probable  that  we  have  complied  with  the  terms  and  conditions  of  the  grant  and  in  the  period  in  which  the  corresponding  costs  or  income
related to the grant are recognized. We recognized the benefit from the Grants within Other operating costs in our Patient Care segment.

General and Administrative Expenses

General and administrative expenses reflect costs we incur in the management and administration of our businesses that are not directly related to the
operation  of  our  clinics  or  provision  of  products  and  services.   These  include  personnel  costs  and  other  operating  costs  supporting  our  general  and
administrative  functions.    We  incurred  approximately  $0.3  million,  $0.9  million,  and  $1.5  million  in  advertising  costs  during  the  years  ended
December 31, 2020, 2019, and 2018, respectively.

Professional Accounting and Legal Fees

We  recognize  fees  associated  with  audits  of  our  financial  statements  in  the  fiscal  period  to  which  the  audit  relates.   All  other  professional  fees  are
generally recognized as an expense in the periods in which services are performed.  Please see the “Accounts Payable and Accrued Liabilities” section
for legal fees associated with legal contingencies.

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Depreciation and Amortization

Depreciation and amortization expenses reflect all depreciation and amortization expenses, whether incurred in connection with our delivery of care
through our clinics, our distribution of products and services, or in the general management and administration of our business.

Cash and Cash Equivalents

We consider all highly liquid investments with original maturities of three months or less at the date of purchase to be cash equivalents.  We maintain
cash  balances  in  excess  of  Federal  Deposit  Insurance  Corporation  (“FDIC”)  limits  at  certain  financial  institutions.    We  manage  this  credit  risk  by
concentrating  our  cash  balances  in  high  quality  financial  institutions  and  by  periodically  evaluating  the  credit  quality  of  the  primary  financial
institutions holding such deposits.  With short maturities, the investments present insignificant risk of changes in value because of interest rate changes
and are readily convertible to cash.  Historically, no losses have been incurred due to such cash concentrations.

Accounts Receivable, Net

Patient Care Segment

We establish allowances for accounts receivable to reduce the carrying value of such receivables to their estimated net realizable value.  The Patient
Care  segment’s  accounts  receivables  are  recorded  net  of  unapplied  cash  and  estimated  implicit  price  concessions,  such  as  payor  disallowances  and
patient non-payments, as described in the revenue recognition accounting policy above.

Our estimates of payor disallowances utilize the expected value method by considering historical collection experience by each of the Medicare and
non-Medicare  primary  payor  class  groupings.    For  each  payor  class  grouping,  liquidation  analyses  of  historical  period  end  receivable  balances  are
performed  to  ascertain  collections  experience  by  aging  category.    In  the  absence  of  an  evident  adverse  trend,  we  use  historical  experience  rates
calculated  using  an  average  of  four quarters  of  data  with  at  least  twelve  months  of  adjudication.    We  will  modify  the  time  periods  analyzed  when
significant trends indicate that adjustments should be made.

Estimates  for  patient  non-  payments  are  calculated  utilizing  historical  collection  experience  of  patient  receivables,  as  well  as  current  and  future
economic conditions. A liquidation analysis of historical period end receivable balances for patients is performed to ascertain collection experience by
aging category over the same time horizons as payor disallowances.

Products & Services Segment

Our  Products  &  Services  segment’s  allowance  for  doubtful  accounts  is  estimated  based  on  the  analysis  of  the  segment’s  historical  write-offs
experience, accounts receivable aging and economic status of its customers.  Accounts receivable that are deemed uncollectible are written off to the
allowance for doubtful accounts.  Accounts receivable are also recorded net of an allowance for estimated sales returns.

Inventories

Inventories are valued at the lower of estimated cost or net realizable value with cost determined on a first-in, first-out (“FIFO”) basis. Provisions have
also been made to reduce the carrying value of inventories for excess, obsolete, or otherwise impaired inventory on hand at period end. The reserve for
excess and obsolete inventory is $6.1 million and $7.6 million at December 31, 2020 and 2019, respectively.

Patient Care Segment

Substantially all of our Patient Care segment inventories are recorded through a periodic approach whereby inventory quantities are adjusted on the
basis of a quarterly physical count. Segment inventories relate primarily to raw materials and work-in-process (“WIP”) at Hanger Clinics. Inventories
at Hanger Clinics totaled $30.5 million and $29.4 million at December 31, 2020 and 2019, respectively, with WIP inventory representing $12.0 million
and $10.2 million of the total inventory, respectively.

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Raw materials consist of purchased parts, components, and supplies which are used in the assembly of O&P devices for delivery to patients.  In some
cases,  purchased  parts  and  components  are  also  sold  directly  to  patients.    Raw  materials  are  valued  based  on  recent  vendor  invoices,  reduced  by
estimated vendor rebates.  Such rebates are recognized as a reduction of cost of materials in the consolidated statements of operations when the related
devices or components are delivered to the patient.  Approximately 77% and 74% of raw materials at December 31, 2020 and 2019, respectively, were
purchased  from  our  Products  &  Services  segment.    Raw  material  inventory  was  $18.4  million  and  $19.2  million  at  December  31,  2020  and  2019,
respectively.

WIP consists of devices which are in the process of assembly at our clinics or fabrication centers.  WIP quantities were determined by the physical
count  of  patient  orders  at  the  end  of  every  quarter  of  2020  and  2019  while  the  related  stage  of  completion  of  each  order  was  established  by  clinic
personnel.    We  do  not  have  an  inventory  costing  system  and  as  a  result,  the  identified  WIP  quantities  were  valued  on  the  basis  of  estimated  raw
materials,  labor,  and  overhead  costs.    To  estimate  such  costs,  we  develop  bills  of  materials  for  certain  categories  of  devices  that  we  assemble  and
deliver to patients.  Within each bill of material, we estimate (i) the typical types of component parts necessary to assemble each device; (ii) the points
in  the  assembly  process  when  such  component  parts  are  added;  (iii)  the  estimated  cost  of  such  parts  based  on  historical  purchasing  data;  (iv)  the
estimated labor costs incurred at each stage of assembly; and (v) the estimated overhead costs applicable to the device.

Products & Services Segment

Our  Product  &  Service  segment  inventories  consist  primarily  of  finished  goods  at  its  distribution  centers  as  well  as  raw  materials  at  fabrication
facilities,  and  totaled  $45.9  million  and  $38.8  million  as  of  December  31,  2020  and  2019,  respectively.    Finished  goods  include  products  that  are
available for sale to third party customers as well as to our Patient Care segment as described above.  Such inventories were determined on the basis of
perpetual records and a physical count at year end.  Inventories in connection with therapeutic services are valued at a weighted average cost.

Fair Value Measurements

We follow the authoritative guidance for financial assets and liabilities, which establishes a framework for measuring fair value and requires enhanced
disclosures about fair value measurements. The authoritative guidance requires disclosure about how fair value is determined for assets and liabilities
and establishes a hierarchy by which these assets and liabilities must be categorized, based on significant levels of inputs. The determination of where
assets and liabilities fall within this hierarchy is based upon the lowest level of input that is significant to the fair value measurement.

Level 1 consists of securities for which there are quoted prices in active markets for identical securities;

Level  2  consists  of  securities  for  which  observable  inputs  other  than  Level  1  inputs  are  used,  such  as  quoted  prices  for  similar  securities  in  active
markets  or  quoted  prices  for  identical  securities  in  less  active  markets  and  model-derived  valuations  for  which  the  variables  are  derived  from,  or
corroborated by, observable market data; and

Level 3 consists of securities for which there are no observable inputs to the valuation methodology that are significant to the measurement of the fair
value.

The determination of where assets and liabilities fall within this hierarchy is based upon the lowest level of input that is significant to the fair value
measurement.

Derivative Financial Instruments

We are exposed to certain risks arising from both our business operations and economic conditions.  We manage economic risks, including interest
rate,  liquidity,  and  credit  risk  primarily  by  managing  the  amount,  sources,  and  duration  of  our  debt  funding  and  the  use  of  derivative  financial
instruments.  Our derivative financial instruments are used to manage differences in the amount, timing, and duration of our known or expected cash
payments principally related to our borrowings.

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Our objectives in using interest rate derivatives are to add stability to interest expense and to manage our exposure to interest rate movements.  To
accomplish these objectives, we primarily use interest rate swaps as part of our interest rate risk management strategy.  Interest rate swaps designated
as cash flow hedges involve the receipt of variable amounts from a counter party in exchange for us making fixed-rate payments over the life of the
agreements without exchange of the underlying notional amount.  In accordance with ASC 815, “Derivatives and Hedging,” we record all derivatives
in the consolidated balance sheets as either assets or liabilities measured at fair value.  The change in the fair value of derivatives designated and that
qualify  as  cash  flow  hedges  is  recorded  on  our  consolidated  balance  sheet  in  accumulated  other  comprehensive  loss  net  of  tax  and  is  subsequently
reclassified into earnings in the period that the hedged forecasted transaction affects earnings.  During the years ended December 31, 2020 and 2019,
such derivatives were used to hedge certain variable cash flows associated with existing variable-rate debt.

Insurance Recoveries Receivable

We incur legal and other costs with respect to a variety of issues on an ongoing basis.  We record a related receivable when costs are reimbursable
under applicable insurance policies, we believe it is probable such costs will be reimbursed and such reimbursements can be reasonably estimated.  We
record the benefit of related receivables from the insurer as a reduction of costs in the same financial statement caption in which the related loss was
recognized in our consolidated statements of operations.  Loss contingency reserves, which are recorded within accrued liabilities, are not reduced by
estimated insurance recoveries.

Property, Plant, and Equipment, Net

Property, plant, and equipment are recorded at cost less accumulated depreciation and amortization. The cost and related accumulated depreciation of
assets  sold,  retired,  or  otherwise  disposed  of  are  removed  from  the  respective  accounts,  and  any  resulting  gains  or  losses  are  included  in  the
consolidated statements of operations. Depreciation is computed for financial reporting purposes using the straight-line method over the useful lives of
the related assets estimated as follows: furniture and fixtures, equipment, and information systems, principally five years, buildings ten to forty years,
finance leases over the shorter of the useful life or lease term, and leasehold improvements over the shorter of ten years or the lease term. We record
maintenance and repairs, including the cost of minor replacements, to maintenance expense which is included within “Other operating costs” in our
consolidated  statements  of  operations.    Costs  of  major  repairs  that  extend  the  effective  useful  life  of  property  are  capitalized  and  depreciated
accordingly.

We capitalize the costs of obtaining or developing internal use software, including external direct costs of materials and services and directly related
payroll costs.  Amortization begins when the internal use software is ready for its intended use.  Costs incurred during the preliminary project and post-
implementation stages, as well as maintenance and training costs, are expensed as incurred.

Business Combinations

We  record  tangible  and  intangible  assets  acquired  and  liabilities  assumed  in  business  combinations  under  the  acquisition  method  of  accounting.
 Acquisition  consideration  typically  includes  cash  payments,  the  issuance  of  Seller  Notes  and  in  certain  instances  contingent  consideration  with
payment  terms  based  on the  achievement  of  certain  targets  of the  acquired  business.   Amounts  paid  for  each  acquisition  are  allocated  to the  assets
acquired and liabilities assumed based on their estimated fair values at the date of acquisition inclusive of identifiable intangible assets.  The estimated
fair  value  of  identifiable  assets  and  liabilities,  including  intangibles,  are  based  on  valuations  that  use  information  and  assumptions  available  to
management.    We  allocate  any  excess  purchase  price  over  the  fair  value  of  the  tangible  and  identifiable  intangible  assets  acquired  and  liabilities
assumed to goodwill. We allocate goodwill to our reporting units based on the reporting unit that is expected to benefit from the acquired goodwill.
Significant management judgments and assumptions are required in determining the fair value of assets acquired and liabilities assumed, particularly
acquired  intangible  assets,  including  estimated  useful  lives.    The  valuation  of  purchased  intangible  assets  is  based  upon  estimates  of  the  future
performance and discounted cash flows of the acquired business.  Each asset acquired or liability assumed is measured at estimated fair value from the
perspective  of  a  market  participant.    Subsequent  changes  in  the  estimated  fair  value  of  contingent  consideration  are  recognized  as  general  and
administrative expenses within the consolidated statements of operations.

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Goodwill and Other Intangible Assets, Net

Goodwill  represents  the  excess  of  the  purchase  price  over  the  estimated  fair  value  of  net  identifiable  assets  acquired  and  liabilities  assumed  from
purchased  businesses.    We  assess  goodwill  for  impairment  annually  during  the  fourth  quarter,  and  between  annual  tests  if  an  event  occurs  or
circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount.  We have the option to first
assess  qualitative  factors  for  a  reporting  unit  to  determine  whether  it  is  more  likely  than  not  that  the  fair  value  of  a  reporting  unit  is  less  than  its
carrying amount as a basis for determining whether it is necessary to perform the quantitative goodwill impairment test.  If we choose to bypass this
qualitative  assessment  or  alternatively  determine  that  a  quantitative  goodwill  impairment  test  is  required,  our  annual  goodwill  impairment  test  is
performed by comparing the estimated fair  value of a reporting  unit with its carrying amount (including attributed  goodwill).  We measure  the fair
value of the reporting units using a combination of income and market approaches.  Any impairment would be recognized by a charge to income from
operations and a reduction in the carrying value of the goodwill.  As of October 1, 2020, we performed a quantitative assessment of the Patient Care
reporting unit. The quantitative assessment did not result in the carrying value of the reporting unit exceeding its fair value.

We  apply  judgment  in  determining  the  fair  value  of  our  reporting  units  and  the  implied  fair  value  of  goodwill  which  is  dependent  on  significant
assumptions and estimates regarding expected future cash flows, terminal value, changes in working capital requirements, and discount rates.

We did not have any goodwill impairment  during 2020, 2019, and 2018.  For the year ended December 31, 2018, we recorded impairments of our
indefinite-lived trade name totaling $0.2 million. We did not have any indefinite-lived trade name impairment during 2020 and 2019. See Note H -
“Goodwill  and  Other  Intangible  Assets”  to  our  consolidated  financial  statements  in  this  Annual  Report  on  Form  10-K  for  additional  information
regarding this charge.

As described, we apply judgment in the selection of key assumptions used in the goodwill impairment test and as part of our evaluation of intangible
assets tested annually and at interim testing dates as necessary. If these assumptions differ from actual, we could incur additional impairment charges
and those charges could be material.

Long-Lived Asset Impairment

We evaluate the carrying value of long-lived assets to be held and used for impairment whenever events or changes in circumstance indicate that the
carrying amount may not be recoverable. The carrying value of a long-lived asset group is not recoverable if it exceeds the sum of the undiscounted
cash flows expected to result from the use and eventual disposition of the asset group.  We measure impairment as the amount by which the carrying
value  exceeds  the  estimated  fair  value.  Estimated  fair  value  is  determined  primarily  using  the  projected  future  cash  flows  discounted  at  a  rate
commensurate with the risk involved. Long-lived assets to be disposed of by sale are classified as held for sale when the applicable criteria are met,
and recognized within the consolidated balance sheet at the lower of carrying value or fair value less cost to sell. Depreciation on such assets is ceased.

Long-Term Debt

Long-term debt is recorded on our consolidated balance sheets at amortized cost, net of discounts and issuance expenses.  Debt issuance costs incurred
in connection with long-term debt are amortized utilizing the effective interest method, through the maturity of the related debt instrument. Discounts
and costs incurred pertaining to the long-term debt are classified as a reduction of debt, and the costs incurred to obtain the revolving credit facility are
recorded as deferred charges and are classified within other assets in the consolidated balance sheets.  Amortization of these costs is included within
“Interest expense, net” in the consolidated statements of operations.

Accounts Payable and Accrued Liabilities

Accounts payable relating to goods or services received is based on various factors including payments made subsequent to period end, vendor invoice
dates, shipping terms confirmed by certain vendors or other third party documentation. Accrued liabilities are recorded based on estimates of services
received  or  amounts  expected  to  be  paid  to  third  parties.    Accrued  legal  costs  for  legal  contingencies  are  recorded  when  they  are  probable  and
estimable.

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Self-Insurance Reserves

We maintain insurance programs which include employee health insurance; workers’ compensation; and product, professional, and general liability.
Our  employee  health  insurance  program  is  self-funded,  with  a  stop-loss  coverage  on  claims  that  exceed  $0.8  million  for  any  individually  covered
claim. We are responsible for workers’ compensation, product, professional and general liability claims up to $0.5 million per individual incident. The
insurance and self-insurance accruals reflect the estimate of incurred but not reported losses, historical claims experience, and expected costs to settle
unpaid  claims  and  are  undiscounted.  We  record  amounts  due  from  insurance  policies  in  “Other  assets”  while  recording  the  estimated  liability  in
“Accrued expenses and other current liabilities” in our consolidated balance sheets.

Leases

We lease  a majority  of our patient  care  clinics  and warehouses  under lease  arrangements,  certain  of which contain  renewal  options, rent  escalation
clauses, and/or landlord incentives.  Rent expense for noncancellable leases with scheduled rent increases and/or landlord incentives is recognized on a
straight-line basis over the lease term, including any applicable rent holidays, beginning on the lease commencement date.  We exclude leases with a
term of one year or less from our balance sheet, and do not separate non-lease components from our real estate leases.  Our leases may include variable
payments for maintenance, which are expensed as incurred.

In addition, we are the lessor of therapeutic program equipment to patients and businesses in acute, post-acute, and clinic settings.  The therapeutic
program equipment and related services revenue are recognized over the applicable term the customer has the right to use the equipment and as the
services are provided.  These operating lease agreements are typically for twelve months and have a 30-day cancellation policy. Equipment acquired
under a finance lease is recorded at the present value of the future minimum lease payments. We do not separate non-lease components, consisting
primarily of training, for these leases.

Income Taxes

We recognize deferred tax assets and liabilities for net operating loss and other credit carry forwards and the expected tax consequences of temporary
differences between the tax basis of assets and liabilities and their reported amounts using enacted tax rates in effect for the year the differences are
expected to reverse.  The ultimate realization of deferred tax assets is dependent upon the generation of future taxable income during the periods in
which  those  temporary  differences  become  deductible.    The  evaluation  of  deferred  tax  assets  requires  judgment  in  assessing  the  likely  future  tax
consequences of events that have been recognized in our financial statements or tax returns, and future profitability by tax jurisdiction.

We provide a valuation allowance to reduce our deferred tax assets to the amount that is more likely than not to be realized.  We evaluate our deferred
tax assets quarterly to determine whether adjustments to the valuation allowance are appropriate in light of changes in facts or circumstances, such as
changes in expected future pre-tax earnings, tax law, interactions  with taxing authorities, and developments in case law.  Our material assumptions
include  forecasts  of  future  pre-tax  earnings  and  the  nature  and  timing  of  future  deductions  and  income  represented  by  the  deferred  tax  assets  and
liabilities,  all  of  which  involve  the  exercise  of  significant  judgment.    We  have  experienced  losses  from  2014  to  2017  due  to  impairments  of  our
intangible assets, increased professional fees in relation to our restatement and related remediation procedures for identified material weaknesses, and
increased interest and bank fees.  These losses have necessitated that we evaluate the sufficiency of our valuation allowance.

We are in a taxable  income position in 2020 and are able to utilize  net operating  loss.  We have $4.6 million  and $2.8 million  of U.S. federal  and
$153.0  million  and  $136.9  million  of  state  net  operating  loss  carryforwards  available  at  December  31,  2020  and  2019,  respectively.    These
carryforwards will be used to offset future income but may be limited by the change in ownership rules in Section 382 of the Internal Revenue Code.
 These net operating loss carryforwards will expire in varying amounts through 2040.  We expect to generate income before taxes in future periods at a
level that would allow for the full realization of the majority of our net deferred tax assets.  As of December 31, 2020 and 2019, we have recorded a
valuation allowance of approximately $2.1 million related to various state jurisdictions.

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Based on our assessment of all available positive and negative evidence, which is completed quarterly, on a taxing jurisdiction and legal entity basis,
we determined that it was more likely than not that we would be able to realize the benefit of certain state deferred tax assets and released valuation
allowances  of  $7.1  million  against  our  state  deferred  tax  assets  during  the  fourth  quarter  of  2019.  We  considered  a  number  of  types  of  evidence,
including the nature, frequency, and severity of current and cumulative financial reporting income and losses, sources of future taxable income, future
reversals of existing taxable temporary differences, and prudent and feasible tax planning strategies, weighted by objectivity. Management decided to
release this valuation allowance primarily because the legal entity involved has achieved twelve quarters of cumulative financial reporting income in
2019 and  is  forecasting  future  taxable  income  along  with  other  types  of  favorable  evidence  mentioned  above.  The  Company’s  valuation  allowance
position in 2020 has not changed based on assessment of all available positive and negative evidence.

We believe that our tax positions are consistent with applicable tax law, but certain positions may be challenged by taxing authorities.  In the ordinary
course of business, there are transactions and calculations where the ultimate tax outcome is uncertain.  In addition, we are subject to periodic audits
and examinations by the Internal Revenue Service and other state and local taxing authorities.  In these cases, we record the financial statement effects
of a tax position when it is more likely than not, based on the technical merits, that the position will be sustained upon examination.  We record the
largest amount of tax benefit that is greater than fifty percent likely of being realized upon settlement with a taxing authority that has full knowledge of
all relevant information.  If not paid, the liability for uncertain tax positions is reversed as a reduction of income tax expense at the earlier of the period
when the position is effectively settled or when the statute of limitations has expired.  Although we believe that our estimates are reasonable, actual
results could differ from these estimates.  Interest and penalties, when applicable, are recorded within the income tax provision.

Interest Expense, Net

We record interest expense net of interest income. In our consolidated statements of operations, interest income was not material in the years ended
December 31, 2020, 2019, and 2018.

Share-Based Compensation

We primarily issue restricted common stock units under one active share-based compensation plan. Shares of common stock issued under this plan are
issued from our authorized and unissued shares.

We measure and recognize compensation expense, net of actual forfeitures, for all shares based payments at fair value.  Prior to the adoption of ASU
2016-09, compensation expense was measured and recognized net of estimated forfeitures.  Our outstanding awards are comprised of restricted stock
units,  performance-based  restricted  stock  units,  and  stock  options.    The  restricted  stock  units  are  subject  to  a  service  condition  or  vesting  period
ranging from one to four years. The performance-based restricted stock units include performance  or market and service conditions.  The performance
conditions are primarily based on annual earnings per share targets and the market condition utilized in the Special Equity Plan is based on the three
year absolute Common Stock price compounded annual growth rate (“CAGR”).

The fair value of each employee stock option award is estimated on the date of grant using the Black-Scholes option-pricing model.  The expected
dividend yield is derived from the annual dividend rate on the date of grant.  The expected stock volatility is based on an assessment of our historical
weekly stock prices as well as implied volatility.  The risk-free interest rate is based on U.S. government zero coupon bonds with maturities similar to
the  expected  holding  period.    The  expected  holding  period  was  determined  by  examining  historical  and  projected  post-vesting  exercise  behavior
activity.  Forfeitures are recognized as they occur.

Compensation  expense  associated  with  restricted  stock  units  and  options  is  recognized  on  a  straight-line  basis  over  the  requisite  service  period.
 Compensation expense associated with performance-based restricted stock units is primarily recognized on a graded vesting over the requisite service
period when the performance condition is probable of being achieved.  The compensation expense associated with the performance-based restricted
stock subject to market conditions is recognized on a straight-line basis over the requisite service period.

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Segment Information

We have two segments: Patient Care and Products & Services. Except for the segment specific policies described above, the segments follow the same
accounting policies as followed in the consolidated financial statements. We apply the “management approach” to disclosure of segment information.
The management approach designates the internal organization that is used by management for making operating decisions and assessing performance
as the basis of our reportable segments. The description of our reportable segments and the disclosure of segment information are presented in Note T -
“Segment and Related Information” to these consolidated financial statements.

Intersegment  revenue represents  sales of O&P components from our Products & Services segment to our Patient Care segment and are recorded  at
prices that approximate material cost plus overhead.

Recent Developments Regarding COVID-19

We are subject to risks and uncertainties as a result of the outbreak of the novel coronavirus (“COVID-19”) pandemic (“COVID-19 pandemic”). The
extent and duration of the impact of the COVID-19 pandemic on our operations and financial condition are highly uncertain and difficult to predict, as
viral infections continue to increase and information is rapidly evolving. We believe that our patients are deferring visits to our O&P clinics as well as
elective surgical procedures, both of which impact our business volumes through decreased patient encounters and physician referrals. Furthermore,
capital  markets  and  the  economy  have  been  disrupted  by  the  COVID-19  pandemic,  and  it  still  remains  possible  that  it  could  cause  a  recessionary
environment impacting the healthcare industry generally, including the O&P industry. The continuing economic disruption has had and could have a
continuing material adverse effect on our business, as the duration and extent of state and local government restrictions impacting our patients’ ability
or  willingness  to  visit  our  O&P  clinics  and  those  of  our  customers,  is  unknown.  The  United  States  government  has  responded  with  fiscal  policy
measures intended to support the healthcare  industry and economy as a whole, including the passage of the Coronavirus Aid, Relief and Economic
Security  Act  (the  “CARES  Act”)  in  March  2020.  We  continue  to  monitor  the  provisions  of  the  CARES  Act  and  their  application  to  us,  as  well  as
future  governmental  policies  and  their  impact  on  our  business;  however,  the  magnitude  and  overall  effectiveness  of  such  policies  to  us  and  the
economy as a whole remains uncertain.

CARES Act

The CARES Act established the Public Health and Social Services Emergency Fund, also referred to as the Cares Act Provider Relief Fund, which set
aside  $178.0  billion  to  be  administered  through  grants  and  other  mechanisms  to  hospitals,  public  entities,  not-for-profit  entities  and  Medicare-  and
Medicaid- enrolled suppliers and institutional providers.  The purpose of these funds is to reimburse providers for lost revenue and health-care related
expenses that are attributable to the COVID-19 pandemic.  In April 2020, the U.S. Department of Health and Human Services (“HHS”) began making
payments to healthcare providers from the $178.0 billion appropriation.  These are grants, rather than loans, to healthcare providers, and will not need
to be repaid.

During  2020,  we  recognized  a  total  benefit  of  $24.0  million  in  our  consolidated  statement  of  operations  within  Other  operating  costs  for  the  grant
proceeds we received under the CARES Act (“Grants”) from HHS.  We recognize income related to grants on a systematic and rational basis when it
becomes  probable  that  we  have  complied  with  the  terms  and  conditions  of  the  grant  and  in  the  period  in  which  the  corresponding  costs  or  income
related to the grant are recognized.

The  CARES Act  also  provides  for  a  deferral  of  the  employer  portion  of  payroll  taxes  incurred  during  the  COVID-19  pandemic  through  December
2020. The provisions allow us to defer half of such payroll taxes until December 2021 and the remaining half until December 2022. We deferred $11.8
million of payroll taxes within Accrued compensation related costs and Other liabilities in the consolidated balance sheet as of December 31, 2020.

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Recent Accounting Pronouncements

Recently Adopted Accounting Pronouncements

During 2020 we adopted the following:

●

●

●

In June 2016, the Financial Accounting Standards Board (the “FASB”) issued Accounting Standards Update (“ASU”) No. 2016-13, Financial
Instruments-Credit  Losses  (Topic  326):  Measurement  of  Credit  Losses  on  Financial  Instruments,  and  related  clarifying  standards,  which
replaces  the  incurred  loss  impairment  methodology  in  current  GAAP  with  a  methodology  that  reflects  expected  credit  losses  and  requires
consideration of a broader range of reasonable and supportable information to inform credit loss estimates. The adoption of this standard on
January 1, 2020 resulted in a cumulative effect adjustment to accumulated deficit of $0.2 million.

In  August  2018,  the  FASB  issued  ASU  No.  2018-13,  Fair  Value  Measurement  (Topic  820),  which  modifies  the  disclosures  on  fair  value
measurements by removing the requirement to disclose the amount and reasons for transfers between Level 1 and Level 2 of the fair value
hierarchy and the policy for timing of such transfers.  The ASU expands the disclosure requirements for Level 3 fair value measurements,
primarily focused on changes in unrealized gains and losses included in other comprehensive income.  There was no material impact on our
consolidated financial position, results of operations, or cash flows due to the adoption on January 1, 2020.

In December 2019, the FASB issued ASU No. 2019-12, Income Taxes (Topic 740): Simplifying the Accounting for Income Taxes.  Among
other provisions, this ASU removes the exception that limited the income tax benefit recognized in the interim period in cases when the year-
to-date loss exceeds the anticipated loss for the year.  Adoption of this standard is effective beginning January 1, 2021, but as early adoption
is permitted, we have selected to adopt this standard effective January 1, 2020.  There was no material impact on our consolidated financial
position, results of operations, or cash flows due to the adoption.

During 2019 we adopted the following:

● Accounting Standards Update (“ASU”) No. 2016-02, Leases (ASC 842), and related  clarifying  standards,  as of January  1, 2019, using the
modified  retrospective  approach.    This  approach  allows  us  to  apply  the  standard  as  of  the  adoption  date  and  record  a  cumulative-effect
adjustment to the opening balance of accumulated deficit at January 1, 2019.  The new lease standard requires lessees to recognize a right-of-
use (“ROU”) asset and a lease liability on the balance sheet for all leases (with the exception of short-term leases, defined as leases with a
term of 12 months or less) at the lease commencement date and recognize expenses on the consolidated statements of operations on a straight-
line basis. The resulting cumulative effect recognized at adoption to accumulated deficit was $1.5 million, net of tax.

Recent Accounting Pronouncements, Not Yet Adopted

In  March  2020,  the  FASB  issued  ASU  No.  2020-04,  Reference  Rate  Reform  (Topic  848):  Facilitation  of  the  Effects  of  Reference  Rate  Reform  on
Financial Reporting.  This ASU, effective beginning on March 12, 2020, provides optional expedients and exceptions for applying GAAP to contracts,
hedging relationships, and other transactions affected by reference rate reform if certain criteria are met.  The amendments in this update apply only to
contracts, hedging relationships, and other transactions that reference London Interbank Offered Rate (“LIBOR”) or another reference rate expected to
be discontinued because of reference rate reform.  The expedients and exceptions provided by the amendments do not apply to contract modifications
made and hedging relationships entered into or evaluated after December 31, 2022, except for hedging relationships existing as of December 31, 2022,
that an entity has elected certain optional expedients for and that are retained through the end of the hedging relationship.  We are currently evaluating
the  effects  that  the  adoption  of  this  guidance,  and  related  clarifying  standards,  will  have  on  our  consolidated  financial  statements  and  the  related
disclosures.

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Note B — Earnings Per Share

Basic earnings per common share is computed using the weighted average number of common shares outstanding during the period.  Diluted earnings
per  common  share  is  computed  using  the  weighted  average  number  of  common  shares  outstanding  during  the  period  plus  any  potentially  dilutive
common  shares,  such  as  stock  options,  restricted  stock  units,  and  performance-based  units  calculated  using  the  treasury  stock  method.    Total  anti-
dilutive shares excluded from the diluted earnings per share were 3,831 as of December 31, 2020, zero as of December 31, 2019, and 17,894 as of
December 31, 2018.

Our Credit Agreement (as defined below) restricts the payment of dividends or other distributions to our shareholders by us or any of our subsidiaries.
 See Note M - “Debt and Other Obligations” within these consolidated financial statements.

The reconciliation of the numerators and denominators used to calculate basic and diluted net income (loss) per share are as follows:

(in thousands, except per share data)
Net income (loss)

Weighted average shares outstanding - basic
Effect of potentially dilutive restricted stock units and options(1)
Weighted average shares outstanding - diluted

Basic income (loss) per share

Diluted income (loss) per share

For the Years Ended December 31, 
2019

2018

2020

$

38,192

$

27,525

$

(858)

37,948,796
649,534
38,598,330

37,267,188
797,429
38,064,617

36,764,551
—
36,764,551

$

$

1.01

0.99

$

$

0.74

0.72

$

$

(0.02)

(0.02)

(1)

In  accordance  with  ASC  260  -  Earnings  Per  Share,  during  periods  of  a  net  loss,  shares  used  to  compute  diluted  per  share  amounts  exclude
potentially dilutive shares related to unvested restricted stock units and unexercised options.  For the year ended December 31, 2018, potentially
dilutive shares of 709,309 shares were excluded, as we were in a net loss position.

Note C — Revenue Recognition

Patient Care Segment

Revenue in our Patient Care segment is primarily derived from contracts with third party payors for the provision of O&P devices and is recognized
upon the transfer of control of promised products or services to the patient at the time the patient receives the device.  At, or subsequent to delivery, we
issue an invoice to the third party payor, which primarily consists of commercial insurance companies, Medicare, Medicaid, the VA, or Private Pay
individuals.  We recognize revenue for the amounts we expect to receive from payors based on expected contractual reimbursement rates, which are
net of estimated contractual discounts and implicit price concessions.  These revenue amounts are further revised as claims are adjudicated, which may
result in additional disallowances.

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The following table disaggregates revenue from contracts with customers in our Patient Care segment for the years ended December 31, 2020, 2019,
and 2018:

(in thousands)
Patient Care Segment

For the Years Ended December 31, 
2019

2018

2020

Medicare
Medicaid
Commercial Insurance / Managed Care (excluding Medicare and Medicaid Managed
Care)
Veterans Administration
Private Pay

Total

$

$

268,226
135,134

296,738
76,769
54,736
831,603

$

$

289,099
143,438

323,499
89,035
60,620
905,691

$

$

273,833
132,938

316,243
78,328
56,040
857,382

The impact to revenue related to prior period performance obligations was not material for the years ended December 31, 2020, 2019, and 2018.

Products & Services Segment

Revenue in our Products & Services segment is derived from the distribution of O&P components and from therapeutic solutions which includes the
leasing and sale of rehabilitation equipment and ancillary consumable supplies combined with equipment maintenance, education, and training.

The following table disaggregates revenue from contracts with customers in our Product & Services segment for the years ended December 31, 2020,
2019, and 2018:

(in thousands)
Products & Services Segment

Distribution services, net of intersegment revenue eliminations
Therapeutic solutions

Total

Note D — Accounts Receivable, Net

For the Years Ended December 31, 
2019

2020

2018

$

$

124,045
45,502
169,547

$

$

143,400
48,955
192,355

$

$

135,995
55,383
191,378

Accounts  receivable,  net  represents  outstanding  amounts  we  expect  to  collect  from  the  transfer  of  our  products  and  services.    Principally,  these
amounts  are  comprised  of  receivables  from  Medicare,  Medicaid,  and  commercial  insurance  plans.    Our  accounts  receivable  represent  amounts
outstanding  from  our  gross  charges,  net  of  contractual  discounts,  sales  returns,  and  other  implicit  price  concessions  including  estimates  for  payor
disallowances  and patient non-payments.

We are exposed to credit losses primarily through our accounts receivable. These receivables are short in nature because their due date varies between
due  upon  receipt  of  invoice  and  90  days.  We  assess  our  receivables,  divide  them  into  similar  risk  pools,  and  monitor  our  ongoing  credit  exposure
through active review of our aging buckets. Our activities include timely account reconciliations, dispute resolution, and payment confirmations. We
also employ collection agencies and legal counsel to pursue recovery of defaulted receivables.

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As  part  of  the  new  accounting  standard  discussed  in  Note  A  –  “Organization  and  Summary  of  Significant  Accounting  Policies,”  our  expected  loss
methodology was developed using historical liquidation rates, current and future economic and market conditions, and a review of the current status of
our patients and customers’ trade accounts receivable balances. We also grouped our receivables into similar risk pools to better measure the risks for
each pool. After evaluating the risk for each pool, we determined that additional credit loss risk was immaterial for the Patient Care segment. For the
Products & Services segment, an allowance for doubtful accounts is recorded, which is deducted from gross accounts receivable to arrive at “Accounts
receivable, net.” As of December 31, 2020, we have considered the current and future economic and market conditions resulting in an increase to the
allowance for doubtful accounts by approximately $0.3 million since December 31, 2019.

Accounts receivable, net as of December 31, 2020 and 2019 is comprised of the following:

(in thousands)
Gross charges before estimates for implicit
price concessions
Less estimates for implicit price concessions:

Payor disallowances
Patient non-payments
Accounts receivable, gross

Allowance for doubtful accounts

Accounts receivable, net

As of December 31, 2020
Products &

As of December 31, 2019
Products &

     Patient Care      Services

     Consolidated      Patient Care      Services

     Consolidated

$

156,504

$

21,300

$

177,804

$

202,132

$

27,551

$

229,683

(39,343)
(7,042)
110,119

—  
$

110,119

$

—
—
21,300
(2,823)
18,477

$

(39,343)
(7,042)
131,419
(2,823)
128,596

(58,094)
(9,589)
134,449

—  
$

134,449

$

—
—
27,551
(2,641)
24,910

$

(58,094)
(9,589)
162,000
(2,641)
159,359

Approximately  46.8%  and  50.1%  of  gross  charges  before  estimates  for  payor  disallowances  and  patient  non-payments,  is  due  from  the  Federal
Government (Medicare, Medicaid, and the VA) at December 31, 2020 and 2019, respectively.

The following table summarizes activities by year for the allowance for doubtful accounts:

(in thousands)
Balance at December 31, 2017

Cumulative Effect of ASC 606
Additions
Reductions
Recoveries

Balance at December 31, 2018

Additions
Reductions
Recoveries

Balance at December 31, 2019

Additions
Reductions
Recoveries

Balance at December 31, 2020

87

Allowance for 
Doubtful 
Accounts

$

$

14,065
(9,894)
630
(1,155)
(1,374)
2,272
1,877
(762)
(746)
2,641
1,869
(114)
(1,573)
2,823

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
 
 
 
 
 
 
 
 
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The following tables represent gross charges before estimates for payor disallowances and patient non-payments, by major payor classification and by
aging categories reduced by implicit price concessions and allowance for doubtful accounts to accounts receivable, net as of December 31, 2020 and
2019, respectively:

December 31, 2020
(in thousands)
Patient Care

0-60 
Days

61-120 
Days

121-180
Days

Over 180
Days

Total

Commercial insurance (excluding Medicare and Medicaid Managed
Care)
Private pay
Medicaid
VA

Non-Medicare
Medicare

$

$

43,069
850
13,569
4,291
61,779
27,572

$

10,743
401
2,705
692
14,541
5,169

$

5,335
309
1,390
263
7,297
2,915

12,316
281
3,771
279
16,647
20,585

$

71,463
1,841
21,435
5,525
100,264
56,241

Products & Services accounts receivable, before allowance

14,091

4,598

841

1,769

21,299

Gross charges before estimates for implicit price concessions and
allowance for doubtful accounts

103,442

24,308

11,053

39,001

Less estimates for implicit price concessions
Accounts receivable, before allowance

Allowance for doubtful accounts
Accounts receivable, net

December 31, 2019
(in thousands)
Patient Care

0-60
Days

61-120
Days

121-180
Days

Over 180
Days

Commercial insurance (excluding Medicare and Medicaid Managed
Care)
Private pay
Medicaid
VA

Non-Medicare
Medicare

$

$

46,771
1,081
13,779
4,465
66,096
36,654

$

12,599
535
3,903
1,015
18,052
8,181

$

7,050
435
2,314
353
10,152
5,191

18,120
569
8,068
565
27,322
30,484

$

$

177,804
(46,385)
131,419
(2,823)
128,596

Total

84,540
2,620
28,064
6,398
121,622
80,510

Products & Services accounts receivable, before allowance

15,898

7,345

2,103

2,205

27,551

Gross charges before estimates for implicit price concessions and
allowance for doubtful accounts

118,648

33,578

17,446

60,011

229,683
(67,683)
162,000
(2,641)
159,359

$

Less estimates for implicit price concessions
Accounts receivable, before allowance

Allowance for doubtful accounts
Accounts receivable, net

Note E — Inventories

Our inventories are comprised of the following:

(in thousands)
Raw materials
Work in process
Finished goods

Total inventories

As of December 31, 
2019
2020

19,716
12,040
44,673
76,429

$

$

20,574
10,165
37,465
68,204

$

$

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Note F — Property, Plant, and Equipment, Net

Property, plant, and equipment, net were comprised of the following:

(in thousands)
Land
Buildings
Furniture and fixtures
Machinery and equipment
Equipment leased to third parties under operating leases
Leasehold improvements
Computers and software

Total property, plant, and equipment, gross

Less: accumulated depreciation and amortization

Total property, plant, and equipment, net

As of December 31, 
2019
2020

454
3,044
14,514
25,759
26,136
139,301
80,770
289,978
(205,105)
84,873

$

$

634
4,110
13,835
25,438
29,217
131,617
75,540
280,391
(196,334)
84,057

$

$

Total  depreciation  expense  was  approximately  $28.2  million,  $30.6  million,  and  $29.7  million  for  the  years  ended  December  31,  2020,  2019,  and
2018, respectively.

The following table summarizes our investment in equipment leased to third parties under operating leases:

(in thousands)
Program equipment
Less: Accumulated depreciation

Net book value

Note G — Acquisitions

2020 Acquisition Activity

As of December 31, 
2019
2020

$

$

26,136    $
(11,429)  
14,707    $

29,217
(12,972)
16,245

During 2020, we completed the following acquisitions of O&P clinics, none of which were individually material to our financial position, results of
operations, or cash flows:

●

In the second quarter of 2020, we acquired all of the outstanding equity interests of an O&P business for total consideration of $46.2 million
at fair value, of which $16.8 million was cash consideration, net of cash acquired, $21.9 million was issued in the form of notes to the former
shareholders,  $3.5  million  in  the  form  of  a  deferred  payment  obligation  to  the  former  shareholders,  and  $4.0  million  in  additional
consideration.  Of the $21.9 million in notes issued to the former shareholders, approximately $18.1 million of the notes were paid in October
2020 in a lump sum payment and the remaining $3.8 million of the notes are payable in annual installments over a period of three years on
the anniversary date of the acquisition.  Total payments of $4.0 million under the deferred payment obligation are due in annual installments
beginning in the fourth year following the acquisition and for three years thereafter.  Additional consideration includes approximately $3.6
million  in  liabilities  incurred  to  the  shareholders  as  part  of  the  business  combination  payable  in  October  2020  and  is  included  in  Accrued
expenses  and  other  liabilities  in  the  consolidated  balance  sheet.    The  remaining  $0.4  million  in  additional  consideration  represents  the
effective settlement of amounts due to us from the acquired O&P business as of the acquisition date.  We completed the acquisition with the
intention of expanding the geographic footprint of our patient care offerings through the acquisition of this high quality O&P provider.

●

In  the  fourth  quarter  of  2020,  we  completed  the  acquisitions  of  all  the  outstanding  equity  interests  of  four  O&P  businesses  for  total
consideration of $7.1 million, of which $4.9 million was cash consideration, net of cash acquired, $1.9 million was issued in the form of notes
to shareholders at fair value, and $0.3 million in additional consideration.

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We accounted for these transactions under the acquisition method of accounting and have reported the results of operations of each acquisition as of
the respective dates of the acquisitions.  We based the estimated fair values of intangible assets on an income approach utilizing the excess earnings
method for customer relationships.  The income approach utilizes management’s estimates of future operating results and cash flows using a weighted
average cost of capital that reflects market participant assumptions.  Other significant judgments used in the valuation of tangible assets acquired in the
acquisition  include  estimated  selling  price  of  inventory  and  estimated  replacement  cost  for  acquired  property,  plant,  and  equipment.    For  all  other
assets acquired and liabilities assumed, the fair value reflects the carrying value of the asset or liability due to their short maturity.  We recorded the
excess of the fair value of the consideration transferred in the acquisitions over the fair value of net assets acquired was recorded as goodwill.  The
goodwill reflects  our expectations  of favorable  future growth opportunities,  anticipated  synergies  through the scale  of our O&P operations,  and the
assembled  workforce.    We  expect  that  substantially  all  of  the  goodwill,  which  has  been  assigned  to  our  Patient  Care  reporting  unit,  will  not  be
deductible for federal income tax purposes.

Acquisition-related costs are included in general and administrative expenses in our consolidated statements of operations. Total acquisition-related
costs incurred during the years ended December 31, 2020 and 2019 were $0.9 million and $1.5 million, respectively, which includes those costs for
transactions that are in progress or not completed during the respective period. Acquisition-related costs incurred for acquisitions completed during the
years ended December 31, 2020 and 2019 were $0.6 million and $1.0 million, respectively.

We have not presented pro forma combined results for these acquisitions because the impact on previously reported statements of operations would not
have been material individually or in the aggregate.

Purchase Price Allocation

For acquisitions  that occurred  after  the second quarter  of 2020, we have performed  a preliminary  valuation  analysis of the fair market  value  of the
assets acquired and liabilities assumed in the acquisitions.  The final purchase price allocations will be determined when we have completed and fully
reviewed the detailed valuations and could differ materially from the preliminary allocations.  The final allocations may include changes in allocations
of acquired intangible assets as well as goodwill and other changes to assets and liabilities, including deferred taxes.  The estimated useful lives of
acquired intangible assets are also preliminary. We have finalized the purchase price allocation within the measurement period for acquisitions that
have been completed prior to the third quarter of 2020.

The aggregate purchase price of these acquisitions was allocated on a preliminary basis as follows:

(in thousands)
Cash paid, net of cash acquired
Issuance of seller notes at fair value
Deferred payment obligation at fair value
Additional consideration, net
Aggregate purchase price

Accounts receivable
Inventories
Customer relationships (Weighted average useful life of 5.0 years)
Non-compete agreements (Weighted average useful life of 5.0 years)
Other assets and liabilities, net

Net assets acquired

Goodwill

$

$

21,709
23,766
3,468
4,319
53,262

4,224
2,276
6,358
200
(4,561)
8,497
44,765

Right-of-use assets and lease liabilities related to operating leases recognized in connection with acquisitions completed for the year ended December
31, 2020 was $5.5 million.

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2019 Acquisition Activity

During 2019, we completed the following acquisitions of O&P clinics, none of which were individually material to our financial position, results of
operations, or cash flows:

●

●

●

●

In the first quarter of 2019, we completed the acquisition of all the outstanding equity interests of an O&P business for total consideration of
$32.8  million,  of  which  $27.7  million  was  cash  consideration,  net  of  cash  acquired,  $4.4  million  was  issued  in  the  form  of  notes  to
shareholders at fair value, and $0.7 million in additional consideration.

In the second quarter of 2019, we completed the acquisition of all the outstanding equity interests of an O&P business for total consideration
of  $0.5  million,  of  which  $0.2  million  was  cash  consideration,  net  of  cash  acquired,  and  $0.3  million  was  issued  in  the  form  of  notes  to
shareholders at fair value.

In the third quarter of 2019, we completed the acquisition of all the outstanding equity interests of one O&P business and acquired the assets
of another O&P business for total consideration of $3.3 million, of which $3.0 million was cash consideration, net of cash acquired, and $0.3
million was issued in the form of notes to shareholders at fair value.

In the fourth quarter of 2019, we completed the acquisition of all the outstanding equity interests of one O&P business and acquired the assets
of another O&P business for total consideration of $7.8 million, of which $5.0 million was cash consideration, net of cash acquired, and $2.8
million was issued in the form of notes to shareholders at fair value.

The notes issued to shareholders are unsecured and payable in installments over a period of 3 to 5 years.

The aggregate purchase price of these acquisitions was allocated as follows:

(in thousands)
Cash paid, net of cash acquired
Issuance of seller notes at fair value
Additional consideration, net(1)

Aggregate purchase price

Accounts receivable
Inventories
Customer relationships (Weighted average useful life of 4.7 years)
Non-compete agreements (Weighted average useful life of 4.9 years)
Other assets and liabilities, net

Net assets acquired

Goodwill

$

$

35,909
7,835
626
44,370

4,128
2,081
7,038
350
(2,983)
10,614
33,756

(1) Approximately $0.7 million of additional consideration represents payments made during the third quarter related to certain tax elections with the
seller, offset by an immaterial amount of favorable working capital adjustments.

Right-of-use assets and lease liabilities related to operating leases recognized in connection with acquisitions completed for the year ended December
31, 2019 was $5.2 million.

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Note H — Goodwill and Other Intangible Assets

Goodwill

Under the provisions of ASC 350-10, Intangibles-Goodwill and Other, goodwill is not amortized.  Rather, an entity’s goodwill is subject to periodic
impairment testing.  ASC 350 requires that an entity assign its goodwill to reporting units and test each reporting unit’s goodwill for impairment at
least on an annual basis and between annual tests if an event occurs or circumstances change that would more likely than not reduce the fair value of a
reporting unit below its carrying amount.  Accordingly, we perform our goodwill test annually as of October 1 and between annual tests whenever we
identify  certain  triggering  events  or  circumstances  that  would  more  likely  than  not  reduce  the  fair  value  of  any  of  our  reporting  units  below  its
respective carrying value.  Additionally, we consider income tax effects from any tax deductible goodwill on the carrying amount of the reporting unit
when measuring the goodwill impairment loss, if applicable.

The goodwill impairment test compares a reporting unit’s fair value to its carrying amount to identify any potential impairment. We apply judgment in
determining  the  fair  value  of  our  reporting  units  for  purposes  of  performing  the  goodwill  impairment  test.  We  rely  on  widely  accepted  valuation
techniques, including discounted cash flow and market multiple analysis approaches, which capture both the future income potential of the reporting
unit and the market behaviors and actions of market participants in the industry that includes the reporting unit.  These types of analyses require us to
make  assumptions  and  estimates  regarding  future  cash  flows,  industry-specific  economic  factors,  and  the  profitability  of  future  business  strategies.
 The discounted cash flow approach uses a projection of estimated operating results and cash flows that are discounted using a weighted average cost
of capital.  Under the discounted cash flow approach, the projection uses management’s best estimates of the amount and timing of expected future
cash  flows  impacted  by  economic  and  market  conditions  over  the  projected  period  for  each  reporting  unit.    Significant  estimates  and  assumptions
include  terminal  value  growth  rates,  changes  in  working  capital  requirements,  and  weighted  average  cost  of  capital.    The  market  multiple  analysis
estimates fair value by applying revenue and earnings multiples to the reporting unit’s operating results.  The multiples are derived from comparable
publicly traded companies with similar operating and investment characteristics to the reporting units.

We evaluate the reasonableness of the estimated fair value of our reporting units by reconciling the aggregate fair value of our reporting units to our
total  market  capitalization  as  of  our  impairment  testing  date,  taking  into  account  an  appropriate  control  premium.    The  determination  of  a  control
premium requires the use of judgment and is based upon control premiums observed in comparable market transactions.

The changes in the carrying value of goodwill for the years ended December 31, 2020 and 2019 are as follows:

(in thousands)
Balance at December 31, 2018
Additions from acquisitions
Measurement period adjustments
(1)

Balance at December 31, 2019
Additions from acquisitions
Measurement period
adjustments(2)

Goodwill,

   Gross

Patient Care
Accum.
   Impairment   

Goodwill, Goodwill,

Net

   Gross

Products & Services
Accum.
   Impairment   

Goodwill,
Net

Goodwill,
Gross

Consolidated
Accum.
   Impairment   

Goodwill,
Net

$ 627,410 $
35,926

(428,668) $ 198,742
35,926

—

$ 139,299 $

(139,299) $

—

—

— $ 766,709 $
—

35,926

(567,967) $ 198,742
35,926

—

(2,424)
660,912
45,144

(165)

—
(428,668)
—

(2,424)
232,244
45,144

—
139,299
—

—
(139,299)
—

—
—
—

(2,424)
800,211
45,144

—
(567,967)
—

(2,424)
232,244
45,144

—

(165)
(428,668) $ 277,223

—

—

$ 139,299 $

(139,299) $

—
— $ 845,190 $

(165)

—

(165)
(567,967) $ 277,223

Balance at December 31, 2020

$ 705,891 $

(1) Measurement  period  adjustments  relate  to  2019  and  2018  acquisitions  of  approximately  $2.1  million  and  $0.3  million,  respectively,  and  are

primarily attributable to adjustments to the preliminary allocations of customer relationship intangibles.

(2) Measurement  period  adjustments  relate  to  2020  and  prior  years  acquisitions  of  approximately  $0.2  million  and  are  primarily  attributable  to

adjustments to the preliminary allocations of acquired assets.

See Note G - “Acquisitions” within these consolidated financial statements for details surrounding goodwill acquired during the years ended December
31, 2020 and 2019.

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As  of  October  1,  2020,  we  performed  a  quantitative  assessment  of  goodwill  impairment  for  the  Patient  Care  reporting  unit,  which  resulted  in  our
determination that it was more likely than not that the carrying value of the reporting unit was less than its fair value.  As of October 1, 2019, and 2018,
we performed a qualitative assessment of goodwill impairment for the Patient Care reporting unit, which resulted in our determination that it was more
likely than not that the carrying value of the reporting unit was less than its fair value.

Other Intangible Assets

Under the provisions of ASC 360-10, Property, plant, and equipment, an intangible asset that has a finite life should be amortized over its estimated
useful life and should be tested for recoverability by comparing the net carrying value of the asset or asset group to the undiscounted net cash flows to
be  generated  from  the  use  and  eventual  disposition  of  that  asset  or  asset  group  when  events  or  changes  in  circumstances  indicate  that  its  carrying
amount may not be recoverable.  If the carrying amount of a definite-lived asset or asset group is not recoverable, the fair value of the asset or asset
group is measured and if the carrying amount exceeds the fair value, an impairment loss is recognized.

Under  the  provisions  of  ASC  350,  Intangibles-goodwill  and  other, an  indefinite-lived  intangible  asset  is  not  amortized  but  should  be  tested  for
impairment annually and between annual tests if events or changes in circumstances indicate that it is more likely than not that the asset is impaired.
 The indefinite-lived intangible asset impairment standard allows an entity first to assess qualitative factors to determine if a quantitative impairment
test is necessary.  Further testing is only required if the entity determines, based on the qualitative assessment, that it is more likely than not that an
indefinite-lived intangible asset’s fair value is less than its carrying amount.  We perform our annual test for recoverability as of October 1.

The balances related to other intangible assets as of December 31, 2020 and 2019 are as follows:

(in thousands)
Customer lists
Trade name
Patents and other intangibles
Definite-lived intangible assets
Indefinite-lived trade name

Total other intangible assets

(in thousands)
Customer lists
Trade name
Patents and other intangibles
Definite-lived intangible assets
Indefinite-lived trade name

Total other intangible assets

As of December 31, 2020

Gross
Carrying
Amount

Accumulated
     Amortization     

Accumulated
Impairment

Net Carrying
Amount

16,879
255
9,011
26,145
9,070
35,215

$

$

(5,845)
(176)
(5,810)
(11,831)
—
(11,831)

$

$

— $
—  
—  
—
(4,953)
(4,953)

$

11,034
79
3,201
14,314
4,117
18,431

As of December 31, 2019

Gross
Carrying
Amount

Accumulated 
     Amortization     

Accumulated
Impairment

Net Carrying
Amount

32,772
255
9,188
42,215
9,070
51,285

$

$

(22,726)
(151)
(5,503)
(28,380)
—
(28,380)

$

$

— $
—  
—  
—
(4,953)
(4,953)

$

10,046
104
3,685
13,835
4,117
17,952

$

$

$

$

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The  fair  value  of  acquired  customer  list  intangibles  is  estimated  using  an  excess  earnings  model.  Key  assumptions  utilized  in  the  valuation  model
include pro-forma projected cash flows adjusted for market-participant assumptions, forecasted customer retention rates, and discount rates. Existing
customer  intangibles  are  amortized  using the straight-line  method  over an estimated  useful  life  of  four to ten years. The fair value of non-compete
agreements are estimated using a discounted cash flow model. The related intangible assets are amortized, using the straight-line method, over their
contractual  term  which  ranges  from  two to  twelve  years.  Other  definite-lived  intangible  assets  are  recorded  at  cost  and  are  amortized,  using  the
straight-line method, over their estimated useful lives of up to nineteen years. The fair value associated with trade names is estimated using the relief-
from-royalty method with the primary assumptions being the royalty rate and expected revenues associated with the trade names.  These assets, some
of which have indefinite lives, are primarily included in the Products & Services segment.  Indefinite-lived trade name intangible assets are assessed
for impairment in the fourth quarter of each year, or more frequently if events or changes in circumstances indicate that the asset might be impaired.
There was no impairment on our indefinite-lived trade name for the years ended December 31, 2020 and 2019, respectively.  The impairment on our
indefinite-lived  trade name was $0.2 million for the year ended December 31, 2018. Trade name intangible assets with definite lives are amortized
over their estimated useful lives of up to ten years.

Amortization expense related to other intangible assets was approximately $6.0 million, $5.0 million, and $6.7 million for the years ended December
31, 2020, 2019, and 2018, respectively.

Estimated aggregate amortization expense for definite-lived intangible assets for each of the next five years ended December 31, and thereafter is as
follows:

(in thousands)
2021
2022
2023
2024
2025
Thereafter
Total

Note I — Other Current Assets and Other Assets

Other current assets consist of the following:

(in thousands)
Non-trade receivables
Prepaid maintenance
Prepaid insurance
Other prepaid assets

Total other current assets

$

$

3,895
3,827
3,584
2,094
906
8
14,314

As of December 31, 

2020

2019

$

$

6,063  
2,942
266
3,086
12,357  

$

$

6,711
2,767
264
3,931
13,673

Non-trade  receivables  primarily  relate  to  vendor  rebate  receivables,  tenant  improvement  allowance  receivables  under  previous  lease  accounting
guidance, and other non-trade receivables. Prepaid maintenance primarily relates to prepaid software and hardware maintenance, and software license
fees.  Prepaid insurance is for product and general liability insurance.  Other prepaid assets includes future rent expense paid in advance of the rental
period, employer’s portion of health savings accounts, board member fees, tax and accounting services, unit commitments to fulfill our obligation with
one of our product suppliers, education and training for our annual Hanger LIVE event held in the first quarter of each fiscal year, telecommunication,
broker fees, and other miscellaneous prepaid expenses.

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Other assets consist of the following:

(in thousands)
Implementation costs for cloud computing arrangements
Cash surrender value of company-owned life insurance
Finance lease right-of-use assets
Deposits
Non-trade receivables
Other

Total other assets

As of December 31, 

2020

2019

$

$

4,811
3,973
3,016
2,144
1,274
516
15,734

$

$

1,964
3,253
1,488
1,893
2,398
309
11,305

Implementation costs for cloud computing arrangements relate to capitalized costs of our new financial and supply chain systems.  The cash surrender
value  of  company-owned  life  insurance  (“COLI”)  funded  our  Defined  Contribution  Supplemental  Executive  Retirement  Plan  (“DC  SERP”)  at
December 31, 2020 and December 31, 2019.  See Note Q - “Employee Benefits” for additional information.  Finance lease right-of-use assets relate to
the recognition of right-of-use assets in connection with finance leases.  Deposits primarily relate to security deposits made in connection with property
leases.    Non-trade  receivables  primarily  relate  to  estimated  receivables  due  from  our  various  business  insurance  policies.    Other  relates  to  prepaid
maintenance fees, prepaid license fees, and revolver facility fees.

Note J — Accrued Expenses and Other Current Liabilities and Other Liabilities

Accrued expenses and other current liabilities consist of:

(in thousands)
Patient prepayments, deposits, and refunds payable
Accrued sales taxes and other taxes
Derivative liability
Insurance and self-insurance accruals
Accrued professional fees
Accrued interest payable
Other current liabilities

Total

As of December 31, 

2020

2019

$

$

27,195  
9,863
7,686
7,651
1,016
440
9,010
62,861  

$

$

24,183
8,543
3,516
8,033
2,533
266
8,751
55,825

Patient  prepayment  deposits  and  refunds  includes  funds  received  for  devices  not  yet  delivered  to  a  patient  and  refunds  for  overpayments.    Taxes
primarily includes accrued sales, property, and franchise tax liabilities. Derivative liability relates to our cash flow hedge; refer to Note O - “Derivative
Financial  Instruments.”    Accrued  insurance  primarily  relates  to  accruals  for  estimated  losses  for  certain  self-insured  risks  including  property,
professional and general liability, and employee health care costs.  Accrued professional fees primarily relate to accruals for professional accounting
and legal fees.  Accrued interest payable relates to interest on our debt obligation.  Other current liabilities are primarily related to accruals for deferred
revenue and warranty liabilities.

Other liabilities consist of:

(in thousands)
Supplemental executive retirement plan obligations
Derivative liability
Long-term insurance accruals
Deferred payroll taxes
Unrecognized tax benefits
Other
Total

95

As of December 31, 

2020

2019

$

$

21,503  
14,388
7,326
5,918
5,465
1,993
56,593  

$

$

20,851
9,821
7,424
—
5,296
2,412
45,804

    
    
 
 
 
 
    
    
 
 
 
 
    
    
 
 
 
 
 
 
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Supplemental  executive  retirement  plan  obligations  include  obligations  due  on  both  the  Defined  Benefit  Supplemental  Executive  Retirement  Plan
(“DB SERP”) and DC SERP.  See Note Q - “Employee Benefits” within these consolidated financial statements.  Derivative liability relates to our
cash flow hedge; refer to Note O - “Derivative Financial Instruments.”  Unrecognized tax benefits represent the difference between tax positions that
we  expect  to  take,  or  take  on  our  income  tax  returns  and  the  benefit  we  recognize  on  our  financial  statements.    Deferred  payroll  taxes  represents
deferred liabilities associated with the CARES Act.  Other includes asset retirement obligations, which is the liability to return a leased building to the
state before it was occupied, fair market value lease differential liability, and other long-term accrued expenses.

Note K — Income Taxes

Components of provision for income taxes are as follows:

(in thousands)
Current:
Federal
State

Total current
Deferred:
Federal
State

Total deferred
Total provision for income taxes

Years Ended December 31, 
2019

2018

2020

$

$

(16,986)
192
(16,794)

15,169
2,263
17,432
638

$

$

5,461
719
6,180

1,803
(5,029)
(3,226)
2,954

$

$

669
1,117
1,786

1,497
1,955
3,452
5,238

A reconciliation of the federal statutory tax rate to our effective tax rate applicable to continuing operations is as follows:

Federal statutory tax rate
State and local income taxes
Research and development credits
Change in uncertain tax positions
Tax benefit from net operating loss carryback
Permanent items
State tax rate change effect on deferred balance
Other tax credits
Tax audit adjustments
Change in valuation allowance
Other
Tax provision

Years Ended December 31, 
2019

2020

2018

21.0 %
4.5 %
(28.0)%
6.9 %
(10.2)%
5.4 %
1.7 %
(0.1)%
— %
— %
0.4 %
1.6 %

21.0 %
6.0 %
— %
0.2 %
— %
2.3 %
— %
(0.1)%
0.9 %
(22.5)%
1.9 %
9.7 %

21.0 %
26.6 %
— %
5.5 %
— %
27.9 %
27.7 %
(5.6)%
8.7 %
9.5 %
(1.7)%
119.6 %

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The significant components of our deferred tax assets and liabilities are presented in the following table:

(in thousands)
Deferred tax assets:
Lease liabilities
Accrued expenses
Provision for doubtful accounts and implicit price concessions
Deferred benefit plan compensation
Research and development credits
Net operating loss carryforwards
Share-based compensation
Inventory reserves
Refund liabilities
Interest on seller notes
Interest expense
Intangibles
Property, plant, and equipment
Other

Deferred tax assets
Less: Valuation allowance
Total deferred tax assets
Deferred tax liabilities:

Lease assets
Goodwill
Property, plant, and equipment
Prepaid expenses

Total deferred tax liabilities
Net deferred tax assets

As of December 31, 

2020

2019

$

$

35,801
15,611
13,291
11,199
9,637
8,907
3,437
2,945
2,518
844
603
582
—
1,349
106,724
(2,112)
104,612

32,069
9,368
7,198
1,100
49,735
54,877

$

$

31,432
12,789
18,547
8,834
—
7,636
4,016
2,554
2,346
961
8,946
1,236
9,797
893
109,987
(2,065)
107,922

28,360
7,960
—
1,121
37,441
70,481

We provide a valuation allowance to reduce our deferred tax assets to the amount that is more likely than not to be realized.  We have $4.6 million and
$2.8 million of U.S. federal net operating loss carryforwards available as of December 31, 2020 and 2019, respectively. We have $153.0 million and
$136.9 million of state net operating loss carryforwards available as of December 31, 2020 and 2019, respectively.  These carryforwards will be used
to offset future income but may be limited by the change in ownership rules in Section 382 of the Internal Revenue Code.  These net operating loss
carryforwards will expire in varying amounts through 2040.

We establish valuation allowances when necessary to reduce deferred tax assets to amounts expected to be realized.  As of December 31, 2020 and
2019, we have recorded a valuation allowance of approximately $2.1 million related to various state jurisdictions.  In our assessment of the valuation
allowance, we consider a number of types of evidence on a taxing jurisdiction and legal entity basis in each reporting period, including the nature,
frequency, and severity of current and cumulative financial reporting income and losses, sources of future taxable income, future reversals of existing
taxable temporary differences, and prudent and feasible tax planning strategies, weighted by objectivity.  Based on our consideration of all available
positive and negative evidence, we determined that it was more likely than not that we would be able to realize the benefit of certain state deferred tax
assets after we achieved twelve quarters of cumulative pretax income adjusted for permanent differences, as well as forecasted future taxable income
and other positive evidence, and released $7.1 million of the valuation allowance related to certain state deferred tax assets in the fourth quarter of
2019. The Company’s valuation allowance position in 2020 has not changed based on assessment of all available positive and negative evidence.

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The following schedule presents the activity in the valuation allowance:

(in thousands)
Year
2020
2019
2018

Balance at
Beginning of Year

Acquisitions

Provision

Released

Balance at
End of Year

$
$
$

2,065  
8,930  
8,754  

$
$
$

—  
—  
—  

$
$
$

47  
238  
204  

$
$
$

—  
7,103  
28  

$
$
$

2,112
2,065
8,930

A reconciliation of our liability for unrecognized tax benefits is as follows:

(in thousands)
Unrecognized tax benefits, at beginning of the year
Additions for tax positions related to the current year
Increase related to prior year positions
Decrease related to prior year positions
Decrease for lapse of applicable statute of limitations

Unrecognized tax benefits, at end of the year

2020

2019

2018

$

$

$

4,331
1,026
1,891
(352)

—  
$

6,896

4,765
247
—
(337)
(344)
4,331

$

$

4,860
257
—
(352)
—
4,765

As of December 31, 2020, the total amount of unrecognized tax benefits that, if recognized, would affect the effective tax rate is approximately $5.3
million. We expect unrecognized tax benefits to decrease by $4.1 million within the next twelve months due to the lapse of statute limitations.  We
recognize accrued interest and penalties related to unrecognized tax benefits as a component of income tax expense.  As of December 31, 2020, 2019,
and 2018, the amount of accrued interest and penalties was approximately $1.2 million, $1.0 million, and $0.8 million, respectively.

We are subject to income tax in the U.S. federal, state, and local jurisdictions.  We are no longer subject to U.S. federal income tax examinations for
years prior to 2016.  However, due to net operating loss carryforwards, tax authorities have the ability to adjust those net operating losses related to
closed  years.    We  believe  the  ultimate  resolution  of  income  tax  examinations  will  not  have  a  material  adverse  effect  on  our  consolidated  financial
position, results of operations, or liquidity.

For the  year  ended  December  31, 2020,  we completed  a  study  of  qualifying  research  and  development  expenses  resulting  in  the  recognition  of  tax
benefits of $2.2 million, net of tax reserves, related to the current year and $6.1 million, net of tax reserves, relating to the prior years.  We recorded the
tax benefit, before tax reserves, as a deferred tax asset.

The  CARES  Act,  which  was  enacted  on  March  27,  2020,  includes  changes  to  certain  tax  laws  related  to  the  deductibility  of  interest  expense  and
depreciation,  as  well  as  the  provision  to  carryback  net  operating  losses  to  five  preceding  years.    ASC  740,  Income  Taxes,  requires  the  effects  of
changes in tax rates and laws on deferred tax balances to be recognized in the period in which the legislation is enacted.  As a result of the CARES Act
provisions, for the year ended December 31, 2020 we recognized a tax benefit of $4.0 million resulting from the loss carryback claim to a prior period
with a higher statutory rate, which also decreased our current income taxes payable by $17.2 million as of December 31, 2020.

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Note L — Leases

The information pertaining to leases on the consolidated balance sheet is as follows:

Classification

As of December 31, 

2020

2019

(in thousands)
Assets
Operating lease right-of-use assets
Finance lease right-of-use assets

Total lease assets

Liabilities
Current

Operating
Finance
Noncurrent
Operating
Finance

Total lease liabilities

  Operating lease right-of-use assets
  Other assets

  Current portion of operating lease liabilities
  Current portion of long-term debt

  Operating lease liabilities
  Long-term debt, less current portion

The components of lease cost recognized in the consolidated statement of operations are as follows:

(in thousands)
Operating lease cost
Finance lease cost

Amortization of right-of-use assets
Interest on lease liabilities

Sublease income
Short-term lease cost
Variable lease cost
Total lease cost

$

$

$

$

124,741
3,016
127,757

35,002
707

104,589
2,472
142,770

$

$

$

$

110,559
1,488
112,047

34,342
370

88,418
1,135
124,265

For the Years Ended
2019
2020

$

47,242  

$

44,081

615
99
(248)
472
5,590
53,770  

$

312
28
(240)
613
5,476
50,270

$

Maturities of our lease liabilities, by year and in the aggregate, under operating and financing obligations with terms of one year or more at December
31, 2020 are as follows:

(in thousands)
2021
2022
2023
2024
2025
Thereafter

Total lease payments

Imputed interest

Total

Finance
Leases

Operating
Leases

$

$

819  
733  
674  
638  
474  
144  
3,482  
(303) 
3,179

$

$

99

$

     Total Leases
42,646
37,277
27,472
17,470
10,734
35,219
170,818
(28,048)
142,770

$

41,827  
36,544  
26,798  
16,832  
10,260  
35,075  
167,336  
(27,745) 
139,591

    
    
    
    
    
 
 
 
 
    
    
 
 
    
    
 
 
 
 
 
 
 
 
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The lease term and discount rates are as follows:

Weighted average remaining lease term (years)

Operating leases
Finance leases

Weighted average discount rate

Operating leases
Finance leases

Supplemental cash flow information related to leases is as follows:

(in thousands)
Cash flows for amounts included in the measurement of lease liabilities:

Operating cash flows from operating leases
Operating cash flows from finance leases
Financing cash flows from finance leases

Right-of-use assets obtained in exchange for lease obligations:

Operating leases
Finance leases

Right-of-use assets acquired and lease liabilities assumed in acquisitions

December 31, 

2020

2019

5.91
4.72

5.16 %
4.03 %

3.98
5.17

5.29 %
4.01 %

For the Years Ended December 31, 

2020

2019

$

$

44,814
99
556

49,380
2,393
5,469

44,111
28
325

41,065
1,245
5,189

We have reclassified supplemental cash flow information in the prior year to present Right-of-use assets acquired and lease liabilities assumed in
acquisitions consistent with the presentation in the current year.

Note M — Debt and Other Obligations

Debt consists of the following:

(in thousands)
Debt:

Term Loan B
Seller notes
Deferred payment obligation
Finance lease liabilities and other

Total debt before unamortized discount and debt issuance costs

Unamortized discount and debt issuance costs, net

Total debt

Current portion of long-term debt:

Term Loan B
Seller notes
Finance lease liabilities and other

Total current portion of long-term debt

Long-term debt

100

As of December 31, 
2020

As of December 31, 
2019

$

$

491,113
11,510
4,000
3,869
510,492
(7,395)
503,097

5,050
4,060
975
10,085
493,012

$

$

496,163
9,005
—
2,033
507,201
(8,328)
498,873

5,050
3,175
527
8,752
490,121

 
    
    
 
  
  
 
 
 
  
  
 
 
    
    
 
  
  
 
 
 
 
 
  
 
  
 
 
 
 
    
    
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Refinancing of Credit Agreement and Term B Borrowings

On March 6, 2018, we entered into a new $605.0 million Senior Credit Facility (the “Credit Agreement”). The Credit Agreement provides for (i) a
revolving  credit  facility  with  an  initial  maximum  aggregate  amount  of  availability  of  $100.0  million  that  matures  in  March  2023  and  (ii)  a  $505.0
million  Term  Loan  B  facility  due  in  quarterly  principal  installments  commencing  June  29,  2018,  with  all  remaining  outstanding  principal  due  at
maturity in March 2025.  Availability under the revolving credit facility is reduced by outstanding letters of credit, which were approximately $5.2
million as of December 31, 2020.  We may (a) increase the aggregate principal amount of any outstanding tranche of term loans or add one or more
additional tranches of term loans under the loan documents, and/or (b) increase the aggregate principal amount of revolving commitments or add one
or more additional revolving loan facilities under the loan documents by an aggregate amount of up to the sum of (1) $125.0 million and (2) an amount
such  that,  after  giving  effect  to  such  incurrence  of  such  amount  (but  excluding  the  cash  proceeds  of  such  incremental  facilities  and  certain  other
indebtedness, and treating all commitments in respect of revolving indebtedness as fully drawn), the consolidated first lien net leverage ratio is equal to
or less than 3.80 to 1.00, if certain conditions are satisfied, including the absence of a default or an event of default under the Credit Agreement at the
time of the increase and that we obtain the consent of each lender providing any incremental facility.

Net proceeds from our initial borrowings under the Credit Agreement, which totaled approximately $501.5 million, were used in part to repay in full
all previously existing loans outstanding under our previous credit agreement and Term B credit agreement during the first quarter of 2018. Proceeds
were  also  used  to  pay  various  transaction  costs  including  fees  paid  to  respective  lenders  and  accrued  and  unpaid  interest.  The  remainder  of  the
proceeds are being used to provide ongoing working capital and capital for other general corporate purposes.

In connection with the Credit Agreement, we paid debt issuance costs of approximately $6.8 million. As part of the repayment of amounts outstanding
under our prior credit agreements, we paid a call premium totaling approximately $8.4 million and expensed outstanding unamortized discount and
debt  issuance  costs  totaling  approximately  $8.6  million.    The  call  premium  and  unamortized  debt  issuance  costs  on the  prior  credit  agreements  are
included in “Loss on Extinguishment of Debt” in the consolidated statements of operations for the year ended December 31, 2018.

In March 2020, we borrowed $79.0 million under our revolving credit facility, which was due in March 2023. In June 2020, we repaid $57.0 million in
borrowings under this revolving credit facility, and in September 2020, we repaid the remaining $22.0 million in borrowings under the facility. We had
approximately $94.8 million in available borrowing capacity under our $100.0 million revolving credit facility as of December 31, 2020.

Our obligations under the Credit Agreement are currently guaranteed by our material domestic subsidiaries and will from time to time be guaranteed
by, subject in each case to certain exceptions, any domestic subsidiaries that may become material  in the future.  Subject to certain exceptions, the
Credit  Agreement  is  secured  by  first-priority  perfected  liens  and  security  interests  in  substantially  all  of  our  personal  property  and  each  subsidiary
guarantor.

Borrowings under the Credit Agreement bear interest at a variable rate equal to (i) LIBOR plus a specified margin, or (ii) the base rate (which is the
highest of (a) Bank of America, N.A.’s prime rate, (b) the federal funds rate plus 0.50% or (c) the sum of 1% plus one-month LIBOR) plus a specified
margin.  For  the  years  ended  December  31,  2020  and  2019,  the  weighted  average  interest  rate  on  outstanding  borrowings  under  our  Term  Loan  B
facility  was  approximately  4.1%  and  5.8%,  respectively.  We  have  entered  into  interest  rate  swap  agreements  to  hedge  certain  of  our  interest  rate
exposures, as more fully disclosed in Note O - “Derivative Financial Instruments.”

We  must  also  pay  (i)  an  unused  commitment  fee  ranging  from  0.375%  to  0.500%  per  annum  of  the  average  daily  unused  portion  of  the  aggregate
revolving  credit  commitments  under  the  Credit  Agreement,  and  (ii)  a  per  annum  fee  equal  to  (a)  for  each  performance  standby  letter  of  credit
outstanding  under  the  Credit  Agreement  with  respect  to  nonfinancial  contractual  obligations,  50%  of  the  applicable  margin  over  LIBOR  under  the
revolving credit facility in effect from time to time multiplied by the daily amount available to be drawn under such letter of credit, and (b) for each
other letter of credit outstanding under the Credit Agreement, the applicable margin over LIBOR under the revolving credit facility in effect from time
to time multiplied by the daily amount available to be drawn for such letter of credit.

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The Credit  Agreement  contains  various restrictions  and covenants,  including:  i)  requirements  that  we maintain  certain  financial  ratios  at prescribed
levels, ii) a prohibition on payment of dividends and other distributions and iii) restrictions on our ability and certain of our subsidiaries to consolidate
or  merge,  create  liens,  incur  additional  indebtedness,  dispose  of  assets,  or  consummate  acquisitions  outside  the  healthcare  industry.    The  Credit
Agreement includes the following financial covenants applicable for so long as any revolving loans and/or revolving commitments remain outstanding
under  the  Credit  Agreement  (some  of  which  were  amended  in  May  2020  by  the  Amendment  (as  defined  and  described  below)):  (i)  a  maximum
consolidated first lien net leverage ratio (“Net Leverage Ratio”) (defined as, with certain adjustments and exclusions, the ratio of consolidated first-lien
indebtedness to consolidated net income before interest, taxes, depreciation, amortization, non-cash charges and certain other items (“EBITDA”) for
the most recently ended period of four fiscal quarters for which financial statements are available) of 4.50 to 1.00 for the fiscal quarters ended June 30,
2020 through March 31, 2021; 4.25 to 1.00 for the fiscal quarters ended June 30, 2021 through March 31, 2022; and 3.75 to 1.00 for the fiscal quarter
ended June 30, 2022 and the last day of each fiscal quarter thereafter; and (ii) a minimum interest coverage ratio (defined as, with certain adjustments,
the ratio of our EBITDA to consolidated interest expense to the extent paid or payable in cash) of 2.75 to 1.00 as of the last day of any fiscal quarter.

The Credit Agreement also contains customary events of default.  If an event of default under the Credit Agreement occurs and is continuing, then the
lenders  may  declare  any  outstanding  obligations  under  the  Credit  Agreement  to  be  immediately  due  and  payable;  provided,  however,  that  the
occurrence of an event of default as a result of a breach of a financial covenant under the Credit Agreement does not constitute a default or event of
default  with  respect  to  any  term  facility  under  the  Credit  Agreement  unless  and  until  the  required  revolving  lenders  shall  have  terminated  their
revolving  commitments  and  declared  all  amounts  outstanding  under  the  revolving  credit  facility  to  be  due  and  payable.    In  addition,  if  we  or  any
subsidiary  guarantor  becomes  the  subject  of  voluntary  or  involuntary  proceedings  under  any  bankruptcy,  insolvency  or  similar  law,  then  any
outstanding  obligations  under  the  Credit  Agreement  will  automatically  become  immediately  due  and  payable.    Loans  outstanding  under  the  Credit
Agreement will bear interest at a rate of 2.00% per annum in excess of the otherwise applicable rate (i) upon acceleration of such loans, (ii) while a
payment event of default exists or (iii) upon the lenders’ request, during the continuance of any other event of default.

In May 2020, we entered into an amendment to the Credit Agreement (the “Amendment”) that provided for, amongst other things, an increase in the
maximum Net Leverage Ratio to 5.25 to 1.00 for the fiscal quarters ended June 30, 2020 through March 31, 2021; 5.00 to 1.00 for the fiscal quarters
ended June 30, 2021 through September 30, 2021; and 4.75 to 1.00 for the quarter ended December 31, 2021 and the last day of each fiscal quarter
thereafter.  In  addition,  the  Amendment  changed  the  definition  of  EBITDA  used  in  the  Net  Leverage  Ratio  and  minimum  interest  coverage  ratio  to
adjust for declines in net revenue attributable to the COVID-19 pandemic. Borrowings under the revolving credit facility will bear interest at a variable
rate equal to the greater of LIBOR or 1%, plus 3.75%. In addition, the Amendment contained certain restrictions and covenants that further limit our
ability, and certain of our subsidiaries' ability, to consolidate or merge, create liens, incur additional indebtedness, dispose of assets, or consummate
acquisitions not financed with the proceeds of an equity offering, except that certain acquisitions are permitted after September 30, 2020, in the event
we maintain certain leverage and liquidity thresholds. We capitalized debt issuance costs of $0.2 million in connection with the Amendment, which
were recorded in Other assets.

We were in compliance with all covenants at December 31, 2020.

Subsidiary Guarantees

The obligations under the Credit Agreement are guaranteed by our material domestic subsidiaries, which incorporates subsidiaries that both make up
no  less  than  90%  of  our  total  net  revenues  and  make  up  no  less  than  90%  of  our  total  assets.  Separate  condensed  consolidating  information  is  not
included as the parent company does not have independent assets or operations, and the guarantees are full and unconditional and joint and several.

Other Restrictions

The Credit Agreement limits our ability to, among other things, purchase capital assets, incur additional indebtedness, create liens, pay dividends on or
redeem capital stock, make certain investments, make restricted payments, make certain dispositions of assets, engage in transactions with affiliates,
engage in certain business activities, and engage in mergers, consolidations, and certain sales of assets.

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Seller Notes and the Deferred Payment Obligation

We  typically  issue  subordinated  promissory  notes  (“Seller  Notes”)  as  a  part  of  the  consideration  transferred  when  making  acquisitions.  The  Seller
Notes are unsecured and are presented net of unamortized discount of $0.9 million and $0.4 million as of December 31, 2020 and 2019, respectively.
We measure these instruments at their estimated fair values as of the respective acquisition dates. The stated interest rates on these instruments range
from 2.50% to 3.00%. Principal and interest are payable in quarterly or annual installments and mature through November 2025.

Amounts  due  under  the  deferred  payment  obligation  to  the  former  shareholders  of  an  acquired  O&P  business  are  unsecured  and  presented  net  of
unamortized discount of $0.5 million as of December 31, 2020. The deferred payment obligation was measured at its estimated fair value as of the
acquisition  date  and  accrues  interest  at  a  rate  of  3.0%.  Principal  and  interest  payments  under  the  deferred  payment  obligation  are  due  in  annual
installments beginning in 2024 and for three years thereafter.

Scheduled Maturities of Total Debt

Scheduled maturities of debt at December 31, 2020 were as follows:

(in thousands)
2021
2022
2023
2024
2025
Thereafter

Total debt before unamortized discount and debt issuance costs, net

Unamortized discount and debt issuance costs, net

Total debt

Note N — Fair Value Measurements

Financial Instruments

$

$

10,368
8,868
8,434
7,734
472,820
2,268
510,492
(7,395)
503,097

The carrying value of our outstanding term loan as of December 31, 2020 (excluding unamortized discounts and debt issuance costs of $6.5 million)
was $491.1 million compared to its fair value of $489.9 million.  The carrying value of our outstanding term loan as of December 31, 2019 (excluding
unamortized discounts and debt issuance costs of $7.9 million) was $496.2 million compared to its fair value of $497.4 million.  Our estimates of fair
value are based on a discounted cash flow model and indicative quotes using unobservable inputs, primarily, our risk-adjusted credit spread, which
represents a Level 3 measurement.

We have interest rate swap agreements designated as cash flow hedges and are measured at fair value based on inputs other than quoted market prices
that  are  observable,  which  represents  a  Level  2  measurement.  See  Note  M  –  “Debt  and  Other  Obligations”  and  Note  O  –  “Derivative  Financial
Instruments” for further information.

We believe that the carrying value of the Seller Notes and the deferred payment obligation approximates their fair values based on a discounted cash
flow model using unobservable inputs, primarily, our credit spread for subordinated debt, which represents a Level 3 measurement. The carrying value
of  our  outstanding  Seller  Notes  and  the  deferred  payment  obligation  issued  in  connection  with  past  acquisitions  as  of  December  31,  2020  and
December 31, 2019 was $14.6 million and $8.6 million, net of unamortized discounts of $0.9 million and $0.4 million, respectively.

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Note O — Derivative Financial Instruments

Cash Flow Hedges of Interest Rate Risk

In  March  2018,  we  entered  into  interest  rate  swap  agreements  with  notional  values  of  $325.0  million,  at  inception,  which  reduces  $12.5  million
annually until the swaps mature on March 6, 2024. As of December 31, 2020 and December 31, 2019, our swaps, had a notional value outstanding of
$300.0 million and $312.5 million, respectively.

Changes in Net Loss on Cash Flow Hedges Included in Accumulated Other Comprehensive Loss

The following  table  presents  the activity  of cash flow hedges included  in accumulated  other  comprehensive  loss for the  years  ended December  31,
2020 and 2019:

(in thousands)
Balance as of December 31, 2018
Unrealized loss recognized in other comprehensive loss, net of tax
Reclassification to interest expense, net of tax
Balance as of December 31, 2019
Unrealized loss recognized in other comprehensive loss, net of tax
Reclassification to interest expense, net of tax
Balance as of December 31, 2020

     Cash Flow Hedges

$

$

$

(2,936)
(8,806)
1,605
(10,137)
(13,230)
6,596
(16,771)

The following table presents the fair value of derivative liabilities within the consolidated balance sheets as of December 31, 2020 and December 31,
2019:

(in thousands)
Derivatives designated as cash flow hedging instruments:

Accrued expenses and other current liabilities
Other liabilities

Note P — Share-Based Compensation

As of December 31, 2020
     Liabilities
Assets

As of December 31, 2019
     Liabilities
Assets

$

$

—  
—  

7,686
14,388

$

— $
—

3,516
9,821

On May 17, 2019, the shareholders approved the Hanger, Inc. 2019 Omnibus Incentive Plan (the “2019 Plan”).  The 2019 Plan authorizes the issuance
of (a) up to 2,025,000 shares of Common Stock, plus (b) 243,611 shares available for issuance under the Hanger, Inc. 2016 Omnibus Incentive Plan
(the “2016 Plan”). Upon approval of the 2019 Plan, the 2016 Plan was no longer available for future awards.

On  May  19,  2017,  the  Board  of  Directors  approved  the  Hanger,  Inc.  Special  Equity  Plan  (the  “Special  Equity  Plan”).    The  Special  Equity  Plan
authorized up to 1.5 million shares of Common Stock and operates completely independent from our 2016 Omnibus Incentive Plan. All awards under
the Special Equity Plan were made on May 19, 2017 which consisted of 0.8 million stock options and 0.3 million performance-based stock awards.
 No further grants of awards will be authorized or issued under the Special Equity Plan.

As of December 31, 2020, approximately 1.7 million shares were available for future issuance under the 2019 Plan. The available shares consisted of
(a)  2.0 million  shares  of common stock originally  authorized  for issuance  under the amended  2019 Plan, plus (b) 0.2 million  shares rolled  forward
from the 2016 Plan, plus (c) 0.2 million shares forfeited and added back to the pool, less (d) 0.7 million shares issued for awards.  In 2020, shares
issued under equity plans were issued from authorized and unissued shares.

For  the  years  ended  December  31,  2020,  2019,  and  2018,  we  recognized  share-based  compensation  expense  of  approximately  $18.4  million,
$13.4 million, and $13.1 million. Share-based compensation expense, net of forfeitures, relates to restricted stock units, performance-based restricted
stock units, and options.

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Restricted Stock Units

The summary of restricted stock units, performance-based stock units, and weighted average grant date fair values are as follows:

Employee Service-Based
Awards

Employee Performance-
Based Awards

Director Awards

Nonvested at December 31, 2018
Granted
Vested
Forfeited
Nonvested at December 31, 2019
Granted
Vested
Forfeited
Nonvested at December 31, 2020

Weighted
Average
Grant Date
     Fair Value     

$

$

14.47  
19.14  
14.48  
14.94  
16.32  
21.81  
14.18  
18.97  
18.90  

Units
1,208,628
467,896
(452,306)
(59,994)
1,164,224
427,851
(489,026)
(21,289)
1,081,760

Weighted
Average
Grant Date
     Fair Value     

$

$

17.63
19.16  
18.40  
18.32  
17.82
25.95  
24.36  
19.29  
18.86  

Units
593,099
147,983
(120,953)
(20,645)
599,484
523,972
(541,923)
(260,852)
320,681

Weighted
Average
Grant Date
     Fair Value

Units

61,376
55,752
(61,376)

$

—  

55,752
70,623
(55,752)

—  
$

70,623

18.25
20.09
18.25
—
20.10
17.07
20.09
—
17.07

During the years ended December 31, 2020, 2019, and 2018, approximately 1.1 million, 0.6 million, and 0.7 million of restricted common stock units
with  an  intrinsic  value  of  $21.3  million,  $12.3  million,  and  $12.0  million,  respectively,  became  fully  vested.  As  of  December  31,  2020,  total
unrecognized compensation expense related to unvested restricted stock units and unvested performance based restricted stock units for which we have
concluded  the  performance  condition  was  probable  of  achievement  was  approximately  $31.5  million  and  the  related  weighted-average  period  over
which it is expected to be recognized is approximately 1.5 years. The aggregate granted units have vesting dates through June 2022. The 2020, 2019,
and 2018 aggregate grants had total estimated grant date fair values of $24.1 million, $12.9 million, and $13.3 million, respectively.

A  special  equity  grant  of  performance-based  restricted  stock  units  was  granted  on  May  19,  2017  under  the  Special  Equity  Plan  and  was  initially
granted  to  vest  100%  three  years  after  the  date  of  issuance,  assuming  the  performance  goal  is  achieved.    The  financial  target  for  this  grant  was
originally  to  achieve  a  compounded  annual  growth  rate  (“CAGR”)  of  our  common  stock  price  of  20%  as  of  market  close  on  May  18,  2020.    This
equated to a share price on that date of $22.07 compared to the closing price on the eve of grant of $12.77.  The grant provided for the vesting of 50%
of the original targeted shares if a CAGR of 10% (a stock price of $17.00) is achieved.  The grant also provided for the vesting of up to 200% of the
original targeted shares if a CAGR of 30% (a stock price of $28.06) or more is achieved.  The percentage of vested shares will be interpolated on a
linear basis between 50% and 200% for a CAGR between 10% and 30%.  The stock price at time of award was $12.77, but given market condition
performance criteria, the Monte Carlo Simulation valuation was used to calculate a fair value of $19.29 per share.  The key assumptions used were a
volatility rate of 109.5%, a risk-free interest rate of 1.44%, and a performance period of 3 years.

In  November  2019,  the  special  equity  grant  was  amended  by  adjusting  the  calculation  of  the  CAGR  of  our  common  stock  price  from  the  third
anniversary of the grant date to the average closing price for the 25 trading days ending on and including the last day of the three year performance
period (i.e., May 18, 2020.)  This adjustment was considered a modification per ASC 718, Compensation - Stock Compensation, and therefore, any
incremental fair value arising from the modification of an award with market conditions would be recognized over the remaining service period.  The
valuation concluded there was an additional $34.0 thousand in incremental fair value that will be expensed ratably over the remainder of the service
period.

In May 2020, the special equity grant was amended to modify the performance period ending date for purposes of the compounded annual growth rate
calculation  to  February  20,  2020,  shortening  the  performance  period  to  approximately  33  months,  representing  a  reduction  of  three  months.    This
adjustment was considered a modification per ASC 718, Compensation - Stock Compensation, and, therefore, any incremental fair value arising from
the  modification  of  an  award  with  market  conditions  would  be  recognized  over  the  remaining  service  period.    As  a  result  of  the  modification,  we
recognized an additional $5.9 million in share-based compensation expense during the second quarter of 2020.

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Performance-based  restricted  stock  units  were  granted  on  March  9,  2020.  The  grants  were  made  prior  to  knowing  the  impact  of  the  COVID-19
pandemic on the company's business and industry. The stock units would only be earned if we achieved the adjusted earnings per share ("Adjusted
EPS") performance goal for 2020. If earned, they would vest 25% annually over four years on the anniversary of the grant date, commencing on the
first anniversary. In November 2020, the performance-based grant was amended by adjusting the Adjusted EPS performance goal for these awards to
reflect our July 2020 revised financial forecast for the year, which gave consideration to the challenges we faced during the first half of the year and
the  expected  performance  for  the  remainder  of  the  year,  taking  into  account  the  expected  impact  of  the  COVID-19  pandemic.  In  addition,  it  also
reduced the number of shares the participants could receive pursuant to their previously granted awards to 85% of the original target number.

Options

Certain options were granted in 2017 under the Special Equity Plan.  The fair value of each employee stock option award was estimated on the date of
grant of May 19, 2017 using the Black-Scholes option-pricing model and calculated a grant date fair value of $8.67 per option.  The key assumptions
used were an expected dividend yield of zero, an expected stock volatility of 92.48%, a risk-free interest rate of 1.68%, and an expected term of 4.38
years.

The summary of option activity and weighted average exercise prices are as follows:

Outstanding at December 31, 2018
Granted
Terminated
Exercised
Outstanding at December 31, 2019
Granted
Terminated
Exercised
Outstanding at December 31, 2020

     Shares

Weighted Average
Exercise Price

Aggregate
     Intrinsic Value     

Weighted Average
Remaining
Contractual Term
(Years)

$

681,869
—
(9,913)
(148,851)
523,105

—  
—
(7,193)
515,912

$

$

4,213,950

7,762,878

12.77
—
12.77
12.77
12.77

—  

12.77
12.77   $

4,756,709

7.4

5.6

At  December  31,  2020,  0.5  million  options  were  outstanding  but  not  yet  exercisable  with  a  weighted  average  exercise  price  of  $12.77,  average
remaining contractual terms of 5.6 years and aggregate intrinsic values of approximately $4.8 million. At December 31, 2019, 0.5 million options were
outstanding but not yet exercisable with a weighted average exercise price of $12.77, average remaining contractual terms of 7.4 years and aggregate
intrinsic values of approximately $7.8 million. As of December 31, 2019, there was unrecognized compensation cost related to stock option awards of
$0.7 million.

Note Q — Employee Benefits

Savings Plan

We  maintain  a  401(k)  Savings  and  Retirement  plan  that  covers  all  of  our  employees.  Under  the  plan,  employees  may  defer  a  portion  of  their
compensation  up  to  the  levels  permitted  by  the  Internal  Revenue  Service.    We  recorded  matching  contributions  of  approximately  $6.5  million,
$6.1 million, and $5.8 million under this plan during 2020, 2019, and 2018, respectively, which were included within “Personnel costs” and “General
and administrative expenses” in our consolidated statements of operations.

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Defined Benefit Supplemental Executive Retirement Plan

Effective January 2004, we implemented an unfunded noncontributory DB SERP for certain senior executives.  The DB SERP, which we administer,
calls  for  fifteen  annual  payments  upon  retirement  with  the  payment  amount  based  on  years  of  service  and  final  average  salary.  Benefit  costs  and
liability balances are calculated based on certain assumptions including benefits earned, discount rates, interest costs, mortality rates, and other factors.
We engaged an actuary to calculate the related benefit obligation at December 31, 2020 and 2019 as well as net periodic benefit plan expense for the
years ended December 31, 2020, 2019, and 2018. As of December 31, 2020 and 2019, the average remaining service period of plan participants is 8.5
and 9.5 years, respectively.  We believe the assumptions used are appropriate; however, changes in assumptions or differences in actual experience
may  affect  our  benefit  obligation  and  future  expenses.    Actual  results  that  differ  from  the  assumptions  are  accumulated  and  amortized  over  future
periods, affecting the recorded obligation and expense in future periods.

The DB SERP’s net benefit obligation is as follows:

Change in Benefit Obligation
(in thousands)
Benefit obligation as of December 31, 2017

Service cost
Interest cost
Payments
Actuarial gain

Benefit obligation as of December 31, 2018

Service cost
Interest cost
Payments
Actuarial loss

Benefit obligation as of December 31, 2019

Service cost
Interest cost
Payments
Actuarial loss

Benefit obligation as of December 31, 2020

The funded status of the DB SERP’s net benefit obligation is as follows:

(in thousands)
Unfunded status
Unamortized net loss

Net amount recognized

Amounts Recognized in the Consolidated Balance Sheets:

(in thousands)
Current accrued expenses and other current liabilities
Non-current other liabilities
Total accrued liabilities

$

$

20,793
367
600
(1,913)
(920)
18,927
335
658
(1,913)
1,207
19,214
392
485
(1,913)
1,568
19,746

December 31, 

2020

2019

15,125
4,621
19,746

$

$

15,950
3,264
19,214

December 31, 

2020

2019

1,913
17,833
19,746

$

$

1,913
17,301
19,214

$

$

$

$

We  recorded  gross  actuarial  losses  (gains)  under  the  DB  SERP  of  approximately  $1.6  million,  $1.2  million,  and  $(0.9)  million  in  2020,  2019,  and
2018, respectively, in other comprehensive loss. There were no other components such as prior service costs or transition obligations relating to the DB
SERP costs recorded within other comprehensive loss during 2020, 2019, or 2018.

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The following weighted average assumptions were used to determine the benefit obligation as of December 31 of each year. Net periodic benefit cost
for  each  year  was  determined  using  the  weighted  average  assumptions  as  of  the  prior  year.    We  used  a  third  party  actuarial  specialist  to  assist  in
determining, among other things, the discount rate for all three years presented.

Our assumed weighted average discount rate for the defined benefit plan reflects the hypothetical rate at which the projected benefit obligation could
be effectively settled or paid out to participants. We determine our discount rate based on a range of factors, including a yield curve composed of rates
of return on high-quality, fixed income corporate bonds.

Discount rate
Average rate of increase in compensation

2020

2019

2018

2.0 %  
3.0 %  

2.9 %  
2.5 %  

4.0 %
3.0 %

At December 31, 2020, the estimated accumulated benefit obligation is $19.7 million. Future payments under the DB SERP are as follows:

(in thousands)
2021
2022
2023
2024
2025
Thereafter

$

$

1,913
1,913
1,913
1,913
1,913
10,181
19,746

Defined Contribution Supplemental Executive Retirement Plan

In 2013, we established a defined contribution plan that covers certain of our senior executives.  Each participant is given a notional account to manage
his or her annual distributions and allocate the funds among various investment options (e.g., mutual funds).  These accounts are tracking accounts
only  for  the  purpose  of  calculating  the  participant’s  benefit.    The  participant  does  not  have  ownership  of  the  underlying  mutual  funds.    When  a
participant initiates or changes the allocation of his or her notional account, we will generally make an allocation of our investments to match those
chosen  by  the  participant.    While  the  allocation  of  our  sub  accounts  is  generally  intended  to  mirror  the  participant’s  account  records  (i.e.,  the
distributions  and  gains  or  losses  on  those  funds),  the  employee  does  not  have  legal  ownership  of  any  funds  until  payout  upon  retirement.    The
underlying investments are owned by the insurance company with which we own an insurance policy.

As of December 31, 2020 and 2019, the estimated accumulated benefit obligation is $4.5 million and $3.9 million, respectively, of which $4.0 million
and $3.3 million is funded and $0.5 million and $0.6 million is unfunded at December 31, 2020 and 2019, respectively.

In connection with the DC SERP benefit obligation, we maintain a COLI policy.  The carrying value of the COLI is measured at its cash surrender
value and is presented within “Other assets” in our consolidated balance sheets.  See Note I - “Other Current Assets and Other Assets” for additional
information.

Note R — Commitments and Contingencies

Guarantees and Indemnification

In the ordinary course of our business, we may enter into service agreements with service providers in which we agree to indemnify or limit the service
provider  against  certain  losses  and  liabilities  arising  from  the  service  provider’s  performance  of  the  agreement.    We  have  reviewed  our  existing
contracts containing indemnification or clauses of guarantees and do not believe that our liability under such agreements is material.

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Legal Proceedings

Derivative Litigation

In  February  and  August  of  2015,  two  separate  shareholder  derivative  suits  were  filed  in  Texas  state  court  against  us  related  to  the  announced
restatement of certain of our financial statements. The cases were subsequently consolidated into Judy v. Asar, et. al., Cause No. D-1-GN-15-000625.
 On October 25, 2016, plaintiffs in that action filed an amended complaint, and the case was pending before the 345th Judicial District Court of Travis
County, Texas.

The amended complaint in the consolidated derivative action named us and certain of our current and former officers and directors as defendants.  It
alleged claims for breach of fiduciary duty based, inter alia, on the defendants’ alleged failure to exercise good faith to ensure that we had in place
adequate accounting and financial controls and that disclosures regarding our business, financial performance, and internal controls were truthful and
accurate.  The complaint sought unspecified damages, costs, attorneys’ fees, and equitable relief.

As disclosed in our Current Report on Form 8-K filed with the SEC on June 6, 2016, the Board of Directors appointed a Special Litigation Committee
of  the  Board  (the  “Special  Committee”).    The  Board  delegated  to  the  Special  Committee  the  authority  to  (1)  determine  whether  it  was  in  our  best
interests  to  pursue  any  of  the  allegations  made  in  the  derivative  cases  filed  in  Texas  state  court  (which  cases  were  consolidated  into  the  Judy case
discussed above), (2) determine whether it was in our best interests to pursue any remedies against any of our current or former employees, officers, or
directors as a result of the conduct discovered in the Audit Committee investigation concluded on June 6, 2016 (the “Investigation”), and (3) otherwise
resolve claims or matters relating to the findings of the Investigation.  The Special Committee retained independent legal counsel to assist and advise it
in carrying out its duties and reviewed and considered the evidence and various factors relating to our best interests.  In accordance with its findings
and conclusions, the Special Committee determined that it was not in our best interest to pursue any of the claims in the Judy derivative case.  Also in
accordance with its findings and conclusions, the Special Committee determined that it was not in our best interests to pursue legal remedies against
any of our current or former employees, officers, or directors.

On April 14, 2017, we filed a motion to dismiss the consolidated derivative action based on the resolution by the Special Committee that it was not in
our  best  interest  to  pursue  the  derivative  claims.    Counsel  for  the  derivative  plaintiffs  opposed  that  motion  and  moved  to  compel  discovery.    In  a
hearing held on June 12, 2017, the Travis County court denied plaintiffs’ motion to compel, and held that the motion to dismiss would be considered
only after appropriate discovery was concluded.

The plaintiffs subsequently subpoenaed counsel for the Special Committee, seeking a copy of the full report prepared by the Special Committee and its
independent  counsel.    Counsel  for  the  Special  Committee,  as  well  as  our  counsel,  took  the  position  that  the  full  report  was  not  discoverable  under
Texas law.  Plaintiffs’ counsel filed a motion to compel the Special Committee’s counsel to produce the report.  We opposed the motion.  On July 20,
2018, the Travis County court ruled that only a redacted version of the report was discoverable, and counsel for the Special Committee provided a
redacted  version  of  the  report  to  plaintiffs’  counsel.    Plaintiffs  objected  to  the  redacted  version  of  the  report,  and  on  February  4,  2019,  the  Travis
County court appointed a Special Master to review plaintiffs’ objections to the redacted report.  On March 22, 2019, the Special Master submitted a
report to the Travis County court recommending that the court order that the entire Special Committee report be produced.  On April 2, 2019 we filed
an objection to the Special Master’s report and recommendation, and requested a hearing on the matter.  On June 25, 2019, the Travis County court
rejected the recommendation of the Special Master, and instead ordered that only a limited additional portion of the Special Committee report should
be unredacted.  On July 10, 2019, the updated redacted Special Committee report was provided to plaintiffs through their counsel.

In late October 2019, a non-binding agreement in principle was reached by the parties to settle the consolidated derivative action, the parties entered
into  a  definitive  settlement  agreement  in  late  December  2019,  and  in  January  2020  the  Travis  County  court  issued  an  order  providing  preliminary
approval of the settlement and ordering that notice of the settlement be made to the Company’s shareholders.  On March 10, 2020, the Travis County
court issued an order providing final approval of the settlement and dismissing with prejudice the consolidated derivative action.

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Other Matters

From time to time we are subject to legal proceedings and claims which arise in the ordinary course of our business, and are also subject to additional
payments under business purchase agreements.  In the opinion of management, the amount of ultimate liability, if any, with respect to these actions
will not have a materially adverse effect on our consolidated financial position, liquidity, or results of our operations.

We operate in a highly regulated industry and receive regulatory agency inquiries from time to time in the ordinary course of our business, including
inquiries  relating  to  our  billing  activities.    No  assurance  can  be  given  that  any  discrepancies  identified  during  a  regulatory  review  will  not  have  a
material adverse effect on our consolidated financial statements.

Favorable Settlements

For the year ended December 31, 2018, our results of operations and net income benefited from the favorable resolution of two matters.

On  May  15,  2018,  we  received  a  net  favorable  settlement  of  $1.7  million  in  connection  with  our  long  standing  damage  claims  relating  to  the
“Deepwater Horizon” disaster, and the prior adverse effect which it had on our clinic operations along the Gulf Coast in April of 2010. We do not
anticipate further payments in connection with this matter as this settlement constituted a full and final satisfaction of our claims. The benefit of this
settlement was recognized as a reduction to our general and administrative expenses.

On June 28, 2018, we entered into an agreement with the State of Delaware, and made payment, to satisfy all of the State’s abandoned or unclaimed
property claims transactions represented within the period of January 1, 2001 through December 31, 2012 which were reportable through December
31, 2017 in the amount of $2.2 million. This agreed upon payment amount was favorable by $0.5 million to the amount we had previously estimated
for  these  liabilities  and  had  the  effect  of  reducing  our  general  and  administrative  expenses  by  this  amount.    Additionally,  under  the  terms  of  the
agreement, we were not required to pay interest on the previously unremitted cumulative abandoned or unclaimed property relating to this twelve year
period in the amount of $1.5 million, which had the effect of lowering our interest expense in the year by this accrued interest amount.

Note S — Shareholders’ Equity (Deficit)

Shareholder’s Rights Plan

On  February  28,  2016,  the  Board  of  Directors  declared  a  dividend  of  one  preferred  share  purchase  right  (a  “Right”)  for  each  outstanding  share  of
common stock, par value $0.01 per share (the “Common Stock”).  The dividend was payable to the shareholders of record on March 10, 2016 (the
“Record Date”).  The Rights would not be exercisable until after the public announcement that a person or group of affiliated or associated persons has
acquired or obtained the right or obligation to acquire beneficial ownership of 10% or more of our outstanding Common Stock (“Acquiring Person”) or
following  the  commencement  of  a  tender  offer  or  exchange  offer  that,  if  consummated,  would  result  in  a  person  or  group  becoming  an  Acquiring
Person.    If  a  shareholder’s  beneficial  ownership  of  our  Common  Stock  as  of  the  time  of  the  public  announcement  of  the  Rights  Agreement  and
associated  dividend  declaration  was  at  or  above  the  applicable  threshold,  as  defined  by  the  Rights  Agreement  (including  through  entry  into  certain
derivative positions), that shareholder’s then-existing ownership percentage would be grandfathered, but the rights would become exercisable if at any
time after such announcement, the shareholder increases its ownership percentage.

Once exercisable, each Right allowed its holder to purchase one one-thousandth of a share of Series A Junior Participating Preferred Stock, par value
$0.01 per share (the “Preferred Stock”), for $65.00 (the “Purchase Price”), subject to adjustment.  Prior to exercise, the Right did not give its holder
any dividend, voting, or liquidation rights.  The description and terms of the Rights were set forth in a Rights Agreement, dated as of February 28,
2016, between us and Computershare Inc., as the Rights Agent.

The Rights had certain anti-takeover effects.  The Rights would have caused a substantial dilution to any person or group that attempted to acquire us
without the approval of our Board of Directors.  As a result, the overall effect of the Rights may have been to render more difficult or discourage any
attempt to acquire us even if such acquisition may be favorable to the interests of our shareholders.  Because our Board of Directors could redeem the
Rights and amend the Rights Agreement in any respect prior to a person or group becoming an Acquiring Person, the Rights should not interfere with a
merger or other business combination approved by the Board of Directors.  The Rights were originally set to expire on August 28, 2017.

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Rights Agreement Amendment

On  June  23,  2017,  we  entered  into  an  amendment  (the  “Rights  Agreement  Amendment”)  to  the  Rights  Agreement  to  extend  the  “Final  Expiration
Date” under the Rights Agreement to December 31, 2018.  Pursuant to the terms of the Rights Agreement as amended, we had the ability to redeem the
rights prior to the “Final Expiration Date” or to further amend the Rights Agreement to provide for an earlier “Final Expiration Date”.

The  “Final  Expiration  Date”  under  the  Rights  Agreement  was  not  extended  in  response  to  any  specific  takeover  bid  or  other  proposal  to  acquire
control.

The Rights Agreement expired on its terms on December 31, 2018 and is no longer of any force or effect.

Note T — Segment and Related Information

We have identified two operating segments and both performance evaluation and resource allocation decisions are determined based on each operating
segment’s income from operations. The operating segments are described further below:

Patient Care — This segment consists of (i) our owned and operated patient care clinics, and (ii) our contracting and network management business.
 The  patient  care  clinics  provide  services  to  design  and  fit  O&P  devices  to  patients.    These  clinics  also  instruct  patients  in  the  use,  care,  and
maintenance of the devices.  The principal reimbursement sources for our services are:

● Commercial private payors and other, which consist of individuals, rehabilitation providers, commercial insurance companies, HMOs, PPOs,

hospitals, vocational rehabilitation, workers’ compensation programs, and similar sources;

● Medicare, a federally funded health insurance program providing health insurance coverage for persons aged 65 or older and certain persons
with disabilities, which provides reimbursement for O&P products and services based on prices set forth in published fee schedules (generally
with  either  10  regional  pricing  areas  or  state  level  prices)  for  prosthetics  and  orthotics  and  by  state  for  durable  medical  equipment
(DMEPOS);

● Medicaid,  a  health  insurance  program  jointly  funded  by  federal  and  state  governments  providing  health  insurance  coverage  for  certain
persons  requiring  financial  assistance,  regardless  of  age,  which  may  supplement  Medicare  benefits  for  persons  aged  65  or  older  requiring
financial assistance; and

● U.S. Department of Veterans Affairs.

Our contract  and  network management  business,  known as  Linkia,  is  the  only network  management  company  dedicated  solely  to  serving  the  O&P
market and is focused on managing the O&P services of national and regional insurance companies.  We partner with healthcare insurance companies
by securing a national or regional contract either as a preferred provider or to manage their O&P network of providers.

Products & Services — This segment consists of our distribution business, which distributes and fabricates O&P products and components to sell to
both  the  O&P  industry  and  our  own  patient  care  clinics,  and  our  therapeutic  solutions  business.  The  therapeutic  solutions  business  leases  and  sells
rehabilitation equipment and ancillary consumable supplies combined with equipment maintenance, education, and training.

Corporate & Other — This consists of corporate overhead and includes unallocated expense such as personnel costs, professional fees, and corporate
offices expenses.

The accounting policies of the segments are the same as those described in Note A - “Organization and Summary of Significant Accounting Policies.”

Intersegment revenue primarily relates to sales of O&P components from the Products & Services segment to the Patient Care segment.  The sales are
priced at the cost of the related materials plus overhead.

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We had no foreign and export sales or assets for the years ended December 31, 2020, 2019, and 2018.

For  the  Patient  Care  segment,  government  reimbursement,  comprised  of  Medicare,  Medicaid,  and  the  VA,  in  the  aggregate,  accounted  for
approximately, 57.7%, 57.5%, and 56.5% of their net revenue in 2020, 2019, and 2018, respectively.

Additionally,  for  the  Products  &  Services  segment,  no  single  customer  accounted  for  more  than  10%  of  net  revenues  in  2020,  2019,  or  2018,
respectively.

Summarized financial information concerning our reporting segments is shown in the following tables.

(in thousands)
Net revenue
Third party
Intersegments

Total net revenue

Material costs

Third party suppliers
Intersegments

Total material costs

Personnel expenses
Other expenses
Depreciation & amortization
Impairment of intangible assets

Segment income from operations

Purchase of property, plant and equipment
Purchase of therapeutic program equipment leased to
third parties under operating leases

Patient Care
For the Year Ended December 31, 
2018
2019
2020

Products & Services
For the Year Ended December 31, 
2018
2019
2020

$

$

$

$

$

831,603
—
831,603

221,566
25,818
247,384
302,206
115,924
18,892

$

905,691
—
905,691

250,407
24,394
274,801
319,633
151,140
18,541

—  
$

147,197

—  
$

141,576

857,382
—
857,382

234,409
23,792
258,201
312,736
140,527
19,113
—
126,805

10,607

$

16,102

$

12,781

$

$

$

169,547
189,604
359,151

93,844
163,786
257,630
48,985
24,638
10,173
—
17,725

11,040

— $

— $

— $

3,592

$

$

$

$

$

192,355
203,496
395,851

107,364
179,102
286,466
52,592
28,178
10,650

—  
$

17,965

191,378
192,096
383,474

103,608
168,304
271,912
51,353
24,306
10,197
183
25,523

2,368

6,672

$

$

1,890

9,835

A reconciliation of the total of the reportable segment’s income (loss) from operations to consolidated income from operations is as follows:

(in thousands)
Income (loss) from operations
Patient Care
Products & Services
Corporate & other

Income from operations

Interest expense, net
Loss on extinguishment of debt
Non-service defined benefit plan expense

Income before income taxes

Provision for income taxes

Net income (loss)

2020

2019

2018

$

$

$

147,197
17,725
(93,015)
71,907
32,445

—  
632
38,830
638
38,192

$

$

141,576
17,965
(94,113)
65,428
34,258

—  
691
30,479
2,954
27,525

$

126,805
25,523
(92,681)
59,647
37,566
16,998
703
4,380
5,238
(858)

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A reconciliation of the reportable segment’s net revenue to consolidated net revenue is as follows:

(in thousands)
Net Revenue
Patient Care
Products & Services
Corporate & other
Consolidating adjustments
Consolidated net revenue

2020

2019

2018

$

$

831,603
359,151

$

—  

905,691
395,851

$

—  

(189,604)
1,001,150

$

(203,496)
1,098,046

$

857,382
383,474
—
(192,096)
1,048,760

A reconciliation of the reportable segment’s material costs to consolidated material costs is as follows:

(in thousands)
Material costs
Patient Care
Products & Services
Corporate & other
Consolidating adjustments

Consolidated material costs

2020

2019

2018

$

$

247,384
257,630

$

—  

(189,604)
315,410

$

274,801
286,466

$

—  

(203,496)
357,771

$

258,201
271,912
—
(192,096)
338,017

A  reconciliation  of  the  reportable  segment’s  purchase  of  property,  plant  and  equipment  to  consolidated  purchase  of  property,  plant  and  equipment,
including purchases of therapeutic program equipment leased to third parties under operating leases, is as follows:

(in thousands)
Purchase of property, plant and equipment and therapeutic program equipment
leased to third parties under operating leases
Patient Care
Products & Services

Property, plant and equipment
Therapeutic program equipment leased to third parties under operating leases

Corporate & other

2020

2019

2018

$

10,607

$

16,102

$

12,781

11,040
3,592
2,853

2,368
6,672
7,963

1,890
9,835
4,313

Total consolidated purchase of property, plant and equipment and therapeutic program
equipment leased to third parties under operating leases

$

28,092

$

33,105

$

28,819

A reconciliation of the total of the reportable segment’s assets to consolidated assets is as follows:

(in thousands)
Assets
Patient Care
Products & Services
Corporate & other

Total consolidated assets

Note U — Subsequent Events

2020

2019

$

$

578,319
121,564
250,868
950,751

$

$

552,644
105,673
183,936
842,253

During the first quarter of 2021, we completed the acquisitions of four O&P businesses for a total purchase price of $24.4 million. Total consideration
transferred for these acquisitions is comprised of $19.3 million in cash consideration, $4.1 million in the form of notes to the former shareholders, and
$1.0 million in additional consideration that has been withheld pending resolution of certain matters agreed upon with the seller of one business. Due
to the proximity in time of these transactions to the filing of this Form 10-K, it is not practicable to provide a preliminary purchase price allocation of
the fair value of the assets purchased and liabilities assumed in the acquisitions.  Acquisition-related expenses related to these transactions were not
material.

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Note V — Quarterly Financial Information (Unaudited)

The  following  table  presents  our  unaudited  quarterly  consolidated  results  of  operations  for  each  of  the  eight  quarters  in  the  two-year  period  ended
December 31, 2020. The unaudited quarterly consolidated information has been derived from our unaudited quarterly financial statements on Forms
10-Q, which were prepared on the same basis as our audited consolidated financial statements.  Amounts are computed independently each quarter,
therefore, the sum of the quarterly amounts may not equal the total amount for the respective year due to rounding.

(dollars in thousands, except per share amounts)
Net revenues
Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization

(Loss) income from operations

Interest expense, net
Non-service defined benefit plan expense

(Loss) income before income taxes
(Benefit) provision for income taxes

Net (loss) income

Other comprehensive (loss) income:
Unrealized (loss) gain on cash flow hedges, net of tax
Unrealized gain (loss) on defined benefit plan, net of tax
Comprehensive (loss) income

Basic Per Common Share Data:
Basic (loss) earnings per share

Weighted average shares outstanding - basic

Diluted Per Common Share Data:
Diluted (loss) earnings per share

Weighted average shares outstanding - diluted

Three Months Ended

     March 31, 

2020

June 30, 
2020

     September 30,       December 31, 

2020

2020

$

$

$

$

$

233,739
77,241
89,185
35,886
28,373
3,396
8,831
(9,173)
8,269
158
(17,600)
(1,852)
(15,748)

(8,902)
29
(24,621)

(0.42)
37,541,452

(0.42)
37,541,452

$

$

$

$

$

233,434
69,972
73,822
8,277
31,874
1,749
8,879
38,861
8,636
158
30,067
(987)
31,054

(573)
27
30,508

0.82
37,958,408

0.81
38,325,872

$

$

$

$

$

256,637
81,462
89,727
29,935
31,371
2,264
8,803
13,075
8,013
158
4,904
(1,911)
6,815

1,542
28
8,385

0.18
38,133,598

0.18
38,637,536

$

$

$

$

$

277,340
86,735
98,457
25,756
27,146
1,768
8,334
29,144
7,527
158
21,459
5,388
16,071

1,299
(1,114)
16,256

0.42
38,157,402

0.41
38,911,299

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(dollars in thousands, except per share amounts)
Net revenues
Material costs
Personnel costs
Other operating costs
General and administrative expenses
Professional accounting and legal fees
Depreciation and amortization

(Loss) income from operations

Interest expense, net
Non-service defined benefit plan expense
(Loss) income before income taxes

(Benefit) provision for income taxes

Net (loss) income

Other comprehensive (loss) income:
Unrealized (loss) gain on cash flow hedges, net of tax
Unrealized gain (loss) on defined benefit plan, net of tax
Comprehensive (loss) income

Basic Per Common Share Data:

Basic (loss) earnings per share

Weighted average shares outstanding - basic

Diluted Per Common Share Data:

Diluted (loss) earnings per share

Weighted average shares outstanding - diluted

Three Months Ended

     March 31, 

2019

June 30, 
2019

     September 30,       December 31, 

2019

2019

$

$

$

$

$

236,419
78,377
86,711
33,555
28,282
2,700
8,773
(1,979)
8,538
173
(10,690)
(3,739)
(6,951)

(2,936)
6
(9,881)

(0.19)
37,001,977

(0.19)
37,001,977

$

$

$

$

$

281,098
91,399
91,490
33,741
29,358
3,247
8,760
23,103
8,481
173
14,449
4,414
10,035

(4,688)
6
5,353

0.27
37,299,766

0.26
37,887,559

$

$

$

$

$

279,638
92,034
94,594
32,771
29,834
3,629
9,373
17,403
8,954
173
8,276
2,585
5,691

(1,641)
7
4,057

0.15
37,349,144

0.15
37,986,860

$

$

$

$

$

300,891
95,961
99,430
34,876
30,591
4,113
9,019
26,901
8,285
172
18,444
(306)
18,750

2,064
(838)
19,976

0.50
37,411,847

0.49
38,415,108

ITEM 9.         CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE.

None.

ITEM 9A.         CONTROLS AND PROCEDURES.

Evaluation of Disclosure Controls and Procedures

Disclosure  controls  and  procedures  (as  defined  in  Rules  13a-15(e)  and  15d-15(e)  under  the  Exchange  Act)  are  designed  to  ensure  that  information
required to be disclosed in reports filed or submitted under the Exchange Act is recorded, processed, summarized, and reported within the time periods
specified  in  the  SEC  rules  and  forms,  and  that  such  information  is  accumulated  and  communicated  to  management,  including  the  Chief  Executive
Officer and the Chief Financial Officer, to allow timely decisions regarding required disclosures.

Management, under the supervision and with the participation of our Chief Executive Officer and Chief Financial Officer, conducted an evaluation of
the effectiveness  of the design and effectiveness  of our disclosure  controls and procedures  as of December 31, 2020. Based on that evaluation, our
Chief Executive Officer and Chief Financial Officer have concluded that our disclosure controls and procedures were effective  as of December 31,
2020.

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Management’s Report on Internal Control over Financial Reporting

Management,  under  the  supervision  of  our  Chief  Executive  Officer  and  Chief  Financial  Officer,  is  responsible  for  establishing  and  maintaining
adequate  internal  control  over  financial  reporting.    Internal  control  over  financial  reporting  (as  defined  in  Rules  13a-15(f)  and  15d-15(f)  under  the
Exchange Act) is a process designed by, or under the supervision of our Chief Executive Officer and Chief Financial Officer and effected by our board
of directors, management and other personnel to provide reasonable assurance regarding the reliability  of financial reporting and the preparation of
financial statements for external purposes in accordance with GAAP.

Internal  control  over  financial  reporting  includes  those  policies  and  procedures  which  (a)  pertain  to  the  maintenance  of  records  that,  in  reasonable
detail,  accurately  and  fairly  reflect  the  transactions  and  dispositions  of  assets,  (b)  provide  reasonable  assurance  that  transactions  are  recorded  as
necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, (c) provide reasonable assurance
that receipts and expenditures are being made only in accordance with appropriate authorization of management and the board of directors, and (d)
provide  reasonable  assurance  regarding  prevention  or  timely  detection  of  unauthorized  acquisition,  use  or  disposition  of  assets  that  could  have  a
material effect on the financial statements.

Internal control over financial reporting has inherent limitations.  Internal control over financial reporting is a process that involves human diligence
and compliance and is subject to lapses in judgment and breakdowns resulting from human failures.  Internal control over financial reporting also can
be circumvented by collusion or improper management override.  Because of such limitations, there is a risk that material misstatements will not be
prevented or detected on a timely basis.  However, these inherent limitations are known features of the financial reporting process.  Therefore, it is
possible to design into the process safeguards to reduce, though not eliminate, this risk.  Also, projections of any evaluation of effectiveness to future
periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies
or procedures may deteriorate in the future.

Our management, under the supervision and with the participation of our Chief Executive Officer and Chief Financial Officer, conducted an evaluation
of the effectiveness  of our internal  control over  financial  reporting  as of December  31, 2020, based on the criteria  established  in Internal  Control -
Integrated  Framework  (2013)  issued  by  the  Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission,  and  has  concluded  that  we
maintained effective internal control over financial reporting as of December 31, 2020.

PricewaterhouseCoopers LLP has issued a report on the effectiveness of the Company’s internal control over financial reporting as of December 31,
2020, which is included in Part II, Item 8 of this annual report.

Changes in Internal Control over Financial Reporting

There have been no changes in internal control over financial reporting during the quarter ended December 31, 2020 that have materially affected, or
are reasonably likely to materially affect, the Company’s internal control over financial reporting.

ITEM 9B.         OTHER INFORMATION.

None.

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ITEM 10.         DIRECTORS, EXECUTIVE OFFICERS, AND CORPORATE GOVERNANCE.

PART III

The  information  in  the  sections  titled  “Proposal  1:  Election  of  Directors,”  “Corporate  Governance  Matters,”  “Principal  Stockholders,”  and,  if
necessary, “Delinquent Section 16(a) Reports” in the Proxy Statement for the Annual Meeting of Shareholders to be held on May 20, 2021 (the “2021
Proxy Statement”) is incorporated by reference herein. Information with respect to our executive officers appears in Part I of this Annual Report on
Form 10-K.

Information required under this item with respect to executive officers is contained in Part I of this Form 10-K under the caption “Information About
Our Executive Officers.”

We have adopted a Code of Business Conduct and Ethics (the “Code”) that applies to all our directors, officers and employees. The Code is available
on our website, along with our current Corporate Governance Guidelines, at www.hanger.com. The Code and our Corporate Governance Guidelines
are also available in print to any shareholder who requests a copy in writing from the Corporate Secretary of Hanger. We intend to disclose through our
website any amendments to, or waivers from, the provisions of these codes.

ITEM 11.         EXECUTIVE COMPENSATION.

The information in the sections titled “Compensation Discussion and Analysis,” “Executive Compensation,” “Report of the Corporate Governance and
Nominating Committee,” “Director Compensation,” and “Compensation Committee Interlocks and Insider Participation” in the 2021 Proxy Statement
is incorporated by reference herein.

ITEM 12.         SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER
MATTERS.

The information in the section titled “Principal Stockholders” in the 2021 Proxy Statement is incorporated by reference herein.

ITEM 13.         CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE.

The information in the section titled “Corporate Governance Matters” in the 2021 Proxy Statement is incorporated by reference herein.

ITEM 14.         PRINCIPAL ACCOUNTING FEES AND SERVICES.

The information in the section titled “Proposal 3: Ratification of Appointment of Independent Registered Public Accounting Firm” in the 2021 Proxy
Statement is incorporated by reference herein.

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PART IV

ITEM 15.         EXHIBITS, FINANCIAL STATEMENT SCHEDULES.

(a) Financial Statements and Financial Statement Schedules:

(1)

Financial Statements:

The information required by this Item is incorporated herein by reference to the financial statements set forth under Item 8 “Financial Statements and
Supplementary Data” of Part II of this Form 10-K.

(2)

Financial Statement Schedules:

All schedules are omitted because they are not applicable or the required information is shown in the financial statements or notes thereto.

(3)

Exhibits:

See Part (b) of this Item 15.

(b) Exhibits: The following exhibits are filed herewith or incorporated herein by reference:

Exhibit No.     Document

3.1

3.2

4.1

4.2

4.3

10.1

10.2

10.3

10.4

10.5

10.6

Restated Certificate of Incorporation of Hanger, Inc., dated August 27, 2012. (Incorporated herein by reference to Exhibit 3.1 to the
Current Report on Form 8-K filed by the Registrant on August 29, 2012.)

Amended and Restated By-Laws of Hanger Orthopedic Group, Inc., as amended effective February 2, 2012. (Incorporated herein by
reference to Exhibit 3.1 to the Current Report on Form 8-K filed by the Registrant on February 6, 2012.)

Credit  Agreement,  dated  March  6,  2018,  among  Hanger,  Inc.  and  the  lenders  and  agents  party  thereto.  (Incorporated  herein  by
reference to Exhibit 4.1 to the Current Report on Form 8-K filed by the Registrant on March 6, 2018.)

First  Amendment  to  Credit  Agreement,  dated  as  of  May  4,  2020,  among  Hanger,  Inc.,  the  subsidiary  guarantors  party  thereto,  the
revolving  lenders  party  thereto  and  Bank  of  America,  N.A.,  as  agent.    (Incorporated  herein  by  reference  to  Exhibit  10.1  to  the
Registrant’s Current Report on Form 8-K filed by the Registrant on May 7, 2020.)

Description of Registrant’s Securities (Incorporated herein by reference to Exhibit 4.2 to the Registrant’s Annual Report on Form 10-
K for the year ended December 31, 2019.)

Supplemental  Executive  Retirement  Plan,  as  amended  and  restated  effective  January  1,  2011  (Incorporated  herein  by  reference  to
Exhibit 10.4 to the Registrant’s Annual Report on Form 10-K for the year ended December 31, 2010.)*

Hanger  Orthopedic  Group,  Inc.  2010  Omnibus  Incentive  Plan.  (Incorporated  herein  by  reference  to  Annex  A  to  Registrant’s  Proxy
Statement, dated April 2, 2010, relating to the Registrant’s Annual Meeting of Stockholders held on May 13, 2010.)*

Form  of  Restricted  Stock  Agreement  for  Non-Employee  Directors.  (Incorporated  herein  by  reference  to  Exhibit  10.2  to  the
Registrant’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2010.)*

Form of Restricted Stock Agreement for Executives. (Incorporated herein by reference to Exhibit 10.3 to the Registrant’s Quarterly
Report on Form 10-Q for the quarter ended June 30, 2010.)*

Form of Restricted Stock Agreement for Employees. (Incorporated herein by reference to Exhibit 10.4 to the Registrant’s Quarterly
Report on Form 10-Q for the quarter ended June 30, 2010.)*

Form  of  Non-Employee  Director  Non-Qualified  Stock  Option  Agreement.  (Incorporated  herein  by  reference  to  Exhibit  10.5  to  the
Registrant’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2010.)*

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10.7

10.8

10.9

10.10

10.11

10.12

10.13

10.14

10.15

10.16

10.17

10.18

10.19

10.20

10.21

10.22

10.23

10.24

Form  of  Executive  Non-Qualified  Stock  Option  Agreement.  (Incorporated  herein  by  reference  to  Exhibit  10.6  to  the  Registrant’s
Quarterly Report on Form 10-Q for the quarter ended June 30, 2010.)*

Form  of  Non-Qualified  Stock  Option  Agreement.  (Incorporated  herein  by  reference  to  Exhibit  10.7  to  the  Registrant’s  Quarterly
Report on Form 10-Q for the quarter ended June 30, 2010.)*

Second  Amended  and  Restated  Employment  Agreement,  dated  as  of  March  19,  2019,  between  Thomas  E.  Hartman  and  Hanger
Prosthetics & Orthotics, Inc. (Incorporated herein by reference to Exhibit 10.4 to the Registrant’s Annual Report on Form 8-K filed by
the Registrant on March 20, 2019.)*

Third  Amended  and  Restated  Employment  Agreement,  dated  March  19,  2019,  by  and  between  Vinit  K.  Asar  and  Hanger,  Inc.
(Incorporated herein by reference to Exhibit 10.1 to the Current Report on Form 8-K filed by the Registrant on March 20, 2019.)*

Defined  Contribution  Supplemental  Retirement  Plan,  dated  May  1,  2013.  (Incorporated  herein  by  reference  to  Exhibit  10.1  to  the
Current Report on Form 8-K filed by the Registration on May 13, 2013.)*

Amended and Restated Employment Agreement, dated March 19, 2019, by and between Samuel M. Liang and Hanger Prosthetics &
Orthotics,  Inc.  (Incorporated  herein  by  reference  to  Exhibit  10.3  to  the  Current  Report  on  Form  8-K  filed  by  the  Registrant  on
March 20, 2019.)*

Amended and Restated Employment Agreement, dated March 19, 2019, by and between Thomas E. Kiraly and Hanger Prosthetics &
Orthotics,  Inc.  (Incorporated  herein  by  reference  to  Exhibit  10.2  to  the  Current  Report  on  Form  8-K  filed  by  the  Registrant  on
March 20, 2019.)*

Assignment of Employment Agreement, effective March 1, 2017, by and among Hanger Prosthetics & Orthotics, Inc., Hanger, Inc.
and  Vinit  K.  Asar.  (Incorporated  herein  by  reference  to  Exhibit  10.22  to  the  Annual  Report  on  Form  10-K  for  the  year  ended
December 31, 2014.)*

Assignment of Employment Agreement, effective March 1, 2017, by and among Hanger Prosthetics & Orthotics, Inc., Hanger, Inc.
and  Thomas  E.  Kiraly.  (Incorporated  herein  by  reference  to  Exhibit  10.23  to  the  Annual  Report  on  Form  10-K  for  the  year  ended
December 31, 2014.)*

Hanger, Inc. 2016 Omnibus Incentive Plan. (Incorporated herein by reference to Exhibit 10.1 to the Registrant’s Current Report on
Form 8-K filed by the Registrant on April 18, 2016.)*

Form of Executive Non-Qualified Stock Option Agreement under the 2016 Omnibus Incentive Plan. (Incorporated herein by reference
to Exhibit 10.2 to the Registrant’s Current Report on Form 8-K filed by the Registrant on April 18, 2016.)*

Form  of  Non-Qualified  Stock  Option  Agreement  under  the  2016  Omnibus  Incentive  Plan.  (Incorporated  herein  by  reference  to
Exhibit 10.3 to the Registrant’s Current Report on Form 8-K filed by the Registrant on April 18, 2016.)*

Form  of  Non-Employee  Director  Non-Qualified  Stock  Option  Agreement  under  the  2016  Omnibus  Incentive  Plan.  (Incorporated
herein by reference to Exhibit 10.4 to the Registrant’s Current Report on Form 8-K filed by the Registrant on April 18, 2016.)*

Form of Restricted Stock Unit Agreement for Executives under the 2016 Omnibus Incentive Plan. (Incorporated herein by reference to
Exhibit 10.5 to the Registrant’s Current Report on Form 8-K filed by the Registrant on April 18, 2016.)*

Form of Restricted Stock Unit Agreement for Employees under the 2016 Omnibus Incentive Plan. (Incorporated herein by reference to
Exhibit 10.6 to the Registrant’s Current Report on Form 8-K filed by the Registrant on April 18, 2016.)*

Form of Restricted Stock Unit Agreement for Non-Employee Directors under the 2016 Omnibus Incentive Plan. (Incorporated herein
by reference to Exhibit 10.7 to the Registrant’s Current Report on Form 8-K filed by the Registrant on April 18, 2016.)*

Hanger,  Inc.  2017  Special  Equity  Plan.  (Incorporated  herein  by  reference  to  Exhibit  10.1  to  the  Registrant’s  Current  Report  on
Form 8-K filed by the Registrant on May 23, 2017.)*

Form of Non-Qualified Stock Option Agreement for Executives under the 2017 Special Equity Plan. (Incorporated herein by reference
to Exhibit 10.2 to the Registrant’s Current Report on Form 8-K filed by the Registrant on May 23, 2017.)*

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10.25

10.26

10.27

10.28

10.29

10.30

10.31

10.32

10.33

10.34

10.35

Form of Non-Qualified Stock Option Agreement for Employees under the 2017 Special Equity Plan. (Incorporated herein by reference
to Exhibit 10.3 to the Registrant’s Current Report on Form 8-K filed by the Registrant on May 23, 2017.)*

Form of Performance Share Unit Agreement for Executives under the 2017 Special Equity Plan. (Incorporated herein by reference to
Exhibit 10.4 to the Registrant’s Current Report on Form 8-K filed by the Registrant on May 23, 2017.)*

Form of Performance Share Unit Agreement for Employees under the 2017 Special Equity Plan. (Incorporated herein by reference to
Exhibit 10.5 to the Registrant’s Current Report on Form 8-K filed by the Registrant on May 23, 2017.)*

Hanger,  Inc.  2019  Omnibus  Incentive  Plan.  (Incorporated  herein  by  reference  to  Annex  A  to  the  Company’s  Definitive  Proxy
Statement for its 2019 Annual Meeting of Stockholders.)*

Form of Restricted Stock Unit Agreement for Employees under the 2019 Omnibus Incentive Plan. (Incorporated herein by reference to
Exhibit 4.4 to the Registrant’s Current Report on Form S-8 filed by the Registrant on May 20, 2019.)*

Form  of  Non-Qualified  Stock  Unit  Agreement  for  Employees  under  the  2019  Omnibus  Incentive  Plan.  (Incorporated  herein  by
reference to Exhibit 4.5 to the Registrant’s Current Report on Form S-8 filed by the Registrant on May 20, 2019.)*

Form of Performance Share Unit Agreement for Executives under the 2019 Omnibus Incentive Plan. (Incorporated herein by reference
to Exhibit 4.6 to the Registrant’s Current Report on Form S-8 filed by the Registrant on May 20, 2019.)*

Form of Non-Employee Director Restricted Stock Unit Agreement under the 2019 Omnibus Incentive Plan. (Incorporated herein by
reference to Exhibit 4.7 to the Registrant’s Current Report on Form S-8 filed by the Registrant on May 20, 2019.)*

Form  of  Non-Employee  Director  Non-Qualified  Stock  Option  Agreement  under  the  2019  Omnibus  Incentive  Plan.  (Incorporated
herein by reference to Exhibit 4.8 to the Registrant’s Current Report on Form S-8 filed by the Registrant on May 20, 2019.)*

Amended and Restated Employment Agreement, dated March 11, 2019, by and between Scott Ranson and Hanger, Inc. (Incorporated
herein by reference to Exhibit 10.28 to the Registrant’s Current Annual Report on Form 10-K filed by the Registrant on March 14,
2019.)*

Form  of  Employment  Agreement  by  and  between  certain  executive  officers  and  Hanger,  Inc.  (Incorporated  herein  by  reference  to
Exhibit 10.29 to the Registrant’s Current Annual Report on Form 10-K filed by the Registrant on March 14, 2019.)*

10.36

Employment Agreement, dated November 2, 2020, between Peter A. Stoy and Hanger, Inc.* (Filed herewith.)

21

23

31.1

31.2

32

List of Subsidiaries of the Registrant. (Filed herewith.)

Consent of Independent Registered Public Accounting Firm (Filed herewith.)

Written Statement of the Chief Executive Officer Pursuant to Section 302 of the Sarbanes Oxley Act of 2002. (Filed herewith.)

Written Statement of the Chief Financial Officer Pursuant to Section 302 of the Sarbanes Oxley Act of 2002. (Filed herewith.)

Written Statement of the Chief Executive Officer and Chief Financial Officer Pursuant to 18 U.S.C. Section 1350, as adopted Pursuant
to Section 906 of the Sarbanes Oxley Act of 2002. (Filed herewith.)

101.INS

XBRL Instance Document. (Filed herewith.)

101.SCH

XBRL Taxonomy Extension Schema. (Filed herewith.)

101.CAL

XBRL Taxonomy Extension Calculation Linkbase. (Filed herewith.)

101.LAB

XBRL Taxonomy Extension Label Linkbase. (Filed herewith.)

101.PRE

XBRL Taxonomy Extension Presentation Linkbase. (Filed herewith.)

101.DEF

XBRL Taxonomy Extension Definition Linkbase. (Filed herewith.)

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104

Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101.)

* Management contract or compensatory plan

ITEM 16.         FORM 10-K SUMMARY.

None.

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Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.

SIGNATURES

Dated: March 1, 2021

HANGER, INC.

By:

/s/ VINIT K. ASAR
Vinit K. Asar
Chief Executive Officer

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Pursuant  to  the  requirements  of  the  Securities  Exchange  Act  of  1934,  this  report  has  been  signed  below  by  the  following  persons  on  behalf  of  the
Registrant and in the capacities and on the dates indicated.

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

Dated: March 1, 2021

/s/ VINIT K. ASAR
Vinit K. Asar 
Chief Executive Officer and Director   
(Principal Executive Officer)

/s/ THOMAS E. KIRALY
Thomas E. Kiraly 
Executive Vice President and   
Chief Financial Officer   
(Principal Financial Officer)

/s/ GABRIELLE B. ADAMS
Gabrielle B. Adams 
Vice President - Chief Accounting Officer 
(Principal Accounting Officer)

/s/ ASIF AHMAD
Asif Ahmad 
Director

/s/ CHRISTOPHER B. BEGLEY
Christopher B. Begley 
Director

/s/ JOHN T. FOX
John T. Fox 
Director

/s/ THOMAS C. FREYMAN
Thomas C. Freyman 
Director

/s/ STEPHEN E. HARE
Stephen E. Hare 
Director

/s/ MARK M. JONES
Mark M. Jones 
Director

/s/ CYNTHIA L. LUCCHESE
Cynthia L. Lucchese 
Director

/s/ RICHARD R. PETTINGILL
Richard R. Pettingill 
Director

/s/ KATHRYN M. SULLIVAN
Kathryn M. Sullivan 
Director

123

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
EMPLOYMENT AGREEMENT

Exhibit 10.36

This EMPLOYMENT AGREEMENT (this "Agreement") is dated as of November 2, 2020 (the "Effective Date") by and between HANGER,

INC., a Delaware corporation (the "Company"), and Peter Stoy (the "Executive"). The Company and Executive agree as follows:

WHEREAS, the Company desires to employ the Executive, and the Executive desires to be employed by the Company, as the Company's

Executive Vice President and Chief Operating Officer, pursuant to the terms and conditions set forth herein; and

WHEREAS, capitalized terms that are not defined when first used shall have the meanings given in Section 12.

NOW, THEREFORE, in consideration of the promises and mutual agreements set forth below, both parties agree as follows:

1.

Employment; Term.

The Company agrees to employ the Executive and the Executive agrees to such employment by the Company upon the terms and conditions
set  forth  in  this  Agreement,  for  the  period  beginning  on  the  Effective  Date  and  ending  upon  termination  pursuant  to  Section  4  or  Section  5  (the
"Employment  Period").  The  Executive  represents  and  warrants  that  the  Executive  is  not  subject  to  any  restrictive  covenants  (including,  without
limitation, covenants not to compete and covenants not to solicit) that would prevent the Executive from entering into this Agreement or providing
services on the Company's behalf. The Executive agrees not to use or disclose in the course of the Executive's employment with the Company any
confidential information or trade secrets of any other Person.

2.

Services.

During  the  Employment  Period,  the  Executive  agrees  (i)  to  devote  the  Executive's  best  efforts  and  full  business  time  and  attention  to  the
business affairs of the Company and its affiliates and to the performance of the Executive's duties and responsibilities hereunder (except for periods of
approved absence, including Vacation); (ii) to serve the Company as its Executive Vice President and Chief Operating Officer with such duties and
responsibilities as are customary for such position, and to render such services as the Company's Chief Executive Officer or the Company's Board of
Directors (the "Board of Directors") may from time to time direct; provided, however, that the Executive recognizes and agrees that the Company may
change the Executive's job description as set forth in this Section 2 as a result of a good faith restructuring of the Company's or its affiliates' operations;
(iii) that the Executive will not, except with the prior written consent of the Company, become engaged in or render services for any business other
than the business of the Company or its affiliates; and (iv) that the Executive will follow the written policies and procedures of the Company and its
affiliates, as set forth by the Company and its affiliates from time to time, as well as all applicable laws, rules and regulations, including with respect to
healthcare.  As of the Effective Date, the Company agrees that the Executive’s continued service on the board of directors of TransSouth Logistics
shall not constitute a violation of this Section 2, provided such service does not interfere with the Executive’s duties hereunder.

3.

Salary, Bonus, Equity Compensation, Other Benefits.

In  consideration  for  the  valuable  services  to  be  rendered  by  the  Executive  and  for  the  Executive's  agreement  not  to  disclose  or  use
Confidential Information of the Company as described in Section 6 and not to compete against the Company as described in Section 7, the Company
hereby agrees as follows:

3.1

Salary.    The  Company  will  pay  the  Executive  a  minimum  base  salary  at  the  rate  of  Four  Hundred  Twenty-Five
Thousand  Dollars  ($425,000.00)  per  annum,  payable  in  accordance  with  the  standard  payroll  practices  of  the  Company  (the  "Base  Salary").    The
Executive shall be entitled to such increases in Base Salary during the Employment Period as shall be determined and approved by the Compensation
Committee of the Board of Directors in its sole discretion, taking account of the performance of the Company and the Executive, and other factors
generally  considered  relevant  to  the  salaries  of  executives  holding  similar  positions  with  enterprises  comparable  to  the  Company.    Upon  any  such
increase, the term Base Salary shall mean such increased amount.

3.2

Bonuses.

(a)

In  addition  to  the  Base  Salary,  the  Executive  shall  participate  in  the  Company's  current  bonus  plan  for  senior
corporate officers (the "Bonus Plan"), as approved by the Compensation Committee of the Board of Directors in each calendar year during the term of
this Agreement, commencing with the 2021 calendar year.  The Executive's target bonus is fifty-five percent (55%) of the Base Salary earned during
the calendar year (the "Target Bonus") and is contingent on the Executive meeting certain performance criteria and the Company achieving certain
financial  criteria,  and  up  to  one  hundred  ten  percent  (110%)  of  the  Base  Salary  earned  during  the  calendar  year  (the  "Maximum  Bonus")  if  the
Executive exceeds certain performance criteria and the Company exceeds certain financial criteria all as determined in the reasonable discretion of the
Board  of  Directors  and  its  Compensation  Committee.    The  Executive  shall  be  entitled  to  such  increases  in  the  "Target  Bonus"  and  the  "Maximum
Bonus" during the term hereof as shall be determined and approved by the Compensation Committee of the Board of Directors in its sole discretion,
taking  account  of  the  performance  of  the  Company  and  the  Executive,  and  other  factors  generally  considered  relevant  to  the  salaries  of  executives
holding similar positions with enterprises comparable to the Company.  Notwithstanding the foregoing, in the event that the Executive or the Company
fail to attain their minimum respective  criteria  in any given year, the Board of Directors and its Compensation Committee may, in their reasonable
discretion, decline to award any bonus to the Executive.

(b)

The  bonus  described  in  Section  3.2(a)  shall  be  payable  between  January  1  and  March  15  (inclusive)  of  the
calendar year following the calendar year for which the bonus is determined in accordance with the Company's normal practices.  In the event that the
Executive  is  employed  for  less  than  the  full  calendar  year  in  the  year  in  which  the  Executive's  Termination  Date  occurs  ("Termination  Year"),  the
bonus  payable  to  the  Executive  shall  be  subject  to  Sections  4  and  5  of  this  Agreement  and  calculated  based  on  the  Executive  meeting  certain
performance criteria and the Company achieving certain year-end financial criteria, all as determined by the Compensation Committee of the Board of
Directors, in its sole discretion.  Such bonus shall be pro-rated for the portion of the Termination Year during which the Executive was

2

employed by the Company.  With respect to the bonus for the Termination Year, any bonus payable pursuant to this Section 3.2 shall be payable to the
Executive  between  January  1  and  March  15  (inclusive)  of  the  calendar  year  following  the  calendar  year  for  which  the  bonus  is  determined  in
accordance with the Company's normal practices.

(c)

For any year beginning during the twenty-four (24) month period following a Change in Control (the "Change in
Control Period"),  as well as for any year in which a Change in Control  occurs if such Change in Control occurs prior to the grant of annual bonus
opportunities for such year, to assure that Executive will have an opportunity to earn annual incentive compensation, the Executive shall be included in
a bonus plan of the Company which shall satisfy the standards described above and in this Section 3(c) (such plan, the "Post-Change-in-Control Bonus
Plan").    Bonuses  under  the  Post-Change-in-Control  Bonus  Plan  shall  be  payable  with  respect  to  achieving  such  financial  or  other  goals  reasonably
related to the business of the Company as the Company shall establish (the "Goals"), all of which Goals shall be reasonably attainable, by the end of
the year of grant, with approximately the same degree of probability as the most attainable goals under the Company's bonus plan or plans as in effect
at any time during the 180-day period immediately prior to the Change in Control and in view of the Company's existing and projected financial and
business  circumstances  applicable  at  the  time.    The  amount  of  the  bonus  (the  "Bonus  Amount")  that  Executive  is  eligible  to  earn  under  the  Post-
Change-in-Control Bonus Plan shall be no less than one hundred percent (100%) of the Target Bonus for which the Executive was eligible in the year
prior to the Change in Control for achievement of the target Goals, and no less than one hundred percent (100%) of the Maximum Bonus for which the
Executive was eligible in the year prior to the Change in Control for achievement exceeding the target Goals, and in the event the target level of Goals
are not achieved, the Post-Change-in-Control Bonus Plan shall provide for a payment of a Bonus Amount equal to a portion of the Targeted Bonus
reasonably related to that portion of the Goals which were achieved. Notwithstanding the foregoing, if, during a Change in Control Period, employees
of the Company or the successor or acquirer in the Change in Control who are similarly situated to the Executive are eligible for greater bonus amounts
than those  provided  by the  foregoing  sentence,  then  the  Executive  shall  be eligible  for  a Bonus Amount  no less than  that  offered  to  such similarly
situated employees.  In the event that the Executive is employed for less than the full year for which a Post-Change-in-Control Bonus Plan is in effect,
the bonus payable to the Executive shall be determined as described in Section 3.2(b) except that no discretion may be applied to reduce the amount of
the bonus otherwise payable to the Executive and any subjective performance objectives applicable to the bonus shall be deemed satisfied.

As  an  incentive  for  the  Executive's  acceptance  of  employment  with  the  Company,  the  Company  shall  pay
Executive a sign-on bonus of Ninety Thousand Dollars ($90,000) in January of 2021, subject to Executive’s continued employment through the date of
payment.

(d)

3.3

Equity-Based Compensation.

In addition to the compensation described in Section 3.1 and Section 3.2 of this Agreement, the Executive may
have the opportunity to receive equity-based awards relating to Shares in a manner consistent with any equity incentive plan adopted by the Company.
The determination as to the number of shares subject to any such equity-based awards, and the

(a)

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other terms and conditions of such awards, shall be subject to the sole discretion of the Board of Directors or a committee thereof.

(b)

The equity-based awards contemplated by Section 3.3 shall be evidenced by, in addition to the equity incentive
plan under which they are granted, one or more award agreements (each, an "Award Agreement") between the Executive and the Company, which
Award Agreement(s) shall provide for a vesting schedule of not more than four (4) years, in equal parts, of the award granted thereunder, except as
provided  in  Section  3.3(e).    Notwithstanding  any  provisions  now  or  hereafter  existing  under  any  equity  incentive  plan  of  the  Company,  all  equity-
based awards granted to the Executive, including the Sign-On Grant, shall vest in full immediately upon the Termination Date except for termination
of employment pursuant to Section 4.3 or Section 4.5 hereof, and, to the extent the equity-based awards held by the Executive on the Termination Date
include  stock  options,  stock  appreciation  rights  or  similar  awards  with  an  exercise  or  base  price,  the  Executive  (or  the  Executive's  estate  or  legal
representative,  if  applicable)  shall  thereafter  have  twelve  (12)  months  from  such  Termination  Date  to  exercise  such  awards,  if  applicable.    For  the
avoidance of doubt, for purposes of measuring the full vesting prescribed in the preceding sentence with respect to any equity-based awards subject to
performance goals, such performance goals will be deemed satisfied at one hundred percent (100%) of the stated target level for the award.

(c)

Notwithstanding  the  foregoing,  during  any  Change  in  Control  Period,  the  Executive  will  be  entitled  to  receive
annual grants of long-term incentive awards (the "Post-Change-in-Control LTI Grants") that shall satisfy the standards set forth above and that are no
less  favorable  to  the  Executive  than  the  equity  incentive  awards  (excluding  the  Sign-On  Grant)  granted  to  the  Executive  in  the  year  immediately
preceding the Change in Control, including with respect to the grant date fair value of such awards, the applicable performance criteria, the manner in
which the amount of incentive compensation earned is determined, the length of vesting periods or the other terms of such incentive compensation
awards.  In addition, the Post-Change-in-Control LTI Grants shall either (i) relate to, and be settled in, a class of equity that is listed and traded on a
national securities exchange, or (ii) have a grant date fair value no lower than the equity incentive awards most recently granted to the Executive prior
to the Change in Control and be settled in cash at the end of the applicable vesting or performance period.  Notwithstanding the foregoing, if, during a
Change in Control Period, employees of the Company or the successor or acquirer in the Change in Control who are similarly situated to the Executive
receive annual grants of long-term incentive awards with a value greater than those to which the Executive would be entitled pursuant to the foregoing,
then  the  Executive's  Post-Change-in-Control  LTI  Grants  shall  have  a  value  no  less  than  the  long-term  incentive  awards  granted  to  such  similarly
situated  employees.   In  addition,  for purposes  hereof,  any  grants  made  prior  to  a Change  in  Control  that  are  designated  as  special  or  non-recurring
awards shall not be considered in determining the Post-Change-in-Control LTI Grants.

(d)

Any equity-based awards granted to the Executive on or after the Effective Date that are outstanding immediately
prior to a Change in Control shall be subject to the change in control provisions of the applicable equity incentive plan under which they were granted
and  of  the  applicable  award  agreement,  except  as  otherwise  provided  herein.    In  addition,  except  to  the  extent  any  equity  incentive  plan  of  the
Company or any other agreement between the Company and the Executive provides a more favorable result to the Executive, if, after a Change

4

in Control, the Executive's equity incentive awards do not relate to a class of equity that is listed and traded on a national securities exchange, then:

(i)

The Executive shall have the right, exercisable  by written notice to the Company at any time after  the
Change in Control, to receive, in exchange for the surrender of each of the Executive's then-vested stock options, stock appreciation rights or similar
equity-based awards the value of which is based on the appreciation of the value of a Share rather than the full value of a Share, regardless of when
granted, an amount of cash equal to the excess of the Fair Market Value of the Shares subject to such award over the exercise or grant price of such
Shares subject to the award; and

The Executive shall have the right, exercisable  by written notice to the Company at any time after  the
Change in Control, to receive, in exchange for the surrender of each of the Executive's then-vested restricted Shares and each of the Executive's then-
vested restricted stock unit, performance share and performance share unit awards, regardless of when granted, an amount of cash equal to the Fair
Market Value of the number of Shares subject to such awards.

(ii)

(e)

As an incentive for the Executive's acceptance of employment with the Company, the Company shall grant to the
Executive a special grant of restricted stock units having a grant date value for accounting purposes of $200,000 (the "Sign-On Grant").  The Sign-On
Grant shall vest ratably on each of the first four anniversaries of the date of grant subject to the Executive’s continued employment with the Company,
provided that no portion shall vest unless and until the Executive complies with the requirements of Section 3.6.  If the Executive does not comply with
the requirements of Section 3.6, then the Sign-On Grant and any other equity awards granted prior to the second anniversary of the Effective Date will
be  cancelled  without  consideration  as  of  the  second  anniversary  of  the  Effective  Date,  without  regard  to  any  contrary  terms  in  the  equity  award
agreement.  The Sign-On Grant shall be subject to such other terms and conditions as reasonably determined by the Board of Directors or a committee
thereof, consistent with the terms and conditions of the applicable stock incentive plan and grant agreement.

3.4

Benefits.

(a)

The Executive shall be entitled to sick leave, medical and other benefits, including, without limitation, (i) five (5)
weeks  of  Vacation  per  year  (pro-rated  for  the  remainder  of  2020),  (ii)  participation  in  the  Company's  Supplemental  Executive  Retirement  Program
("SERP"), to be effective upon January 1, 2021, provided that notwithstanding the terms of the SERP, no portion of the SERP shall vest unless and
until  the  Executive  complies  with  the  requirements  of  Section  3.6,  and  (iii)  appropriate  officers  liability  insurance  (to  the  extent  commercially
reasonable for the Company to obtain such insurance), all of which are consistent with those received by other similarly-situated senior executives of
the Company and its subsidiaries as determined in the sole discretion of the Compensation Committee of the Board of Directors. The Executive’s level
of contribution in the SERP shall be determined by the Board of Directors or a committee there of.  The Executive shall receive the life insurance equal
to whatever the Company provides to its employees with the premiums for such policy to be paid by the Company, and the Executive shall also receive
the option to participate in the Company's supplemental life and accidental death and dismemberment policies, with the premiums for such

5

policies to be paid by the Executive, all in accordance with the terms and conditions of such policies as generally applied by the Company.

(b)

In  addition  to  the  foregoing,  during  any  Change  in  Control  Period,  the  Executive  shall  be  included:  (i)  to  the
extent  eligible  thereunder  (which  eligibility  shall  not  be  conditioned  on  the  Executive's  salary  grade  or  on  any  other  requirement  which  excludes
persons of comparable status to the Executive unless such exclusion was in effect for such plan or an equivalent plan at least one hundred eighty (180)
days prior to the Change in Control), in any and all plans providing benefits for the Company's salaried employees in general (including but not limited
to  group  life  insurance,  hospitalization,  medical,  dental,  and  long-term  disability  plans)  and  (ii)  in  plans  provided  to  executives  of  the  Company  of
comparable  status  and  position  to  the  Executive  (including  but  not  limited  to  deferred  compensation,  split-dollar  life  insurance,  supplemental
retirement and similar or comparable plans); provided, that in no event shall the aggregate level of benefits under the plans described in clause (i) and
the  plans  described  in  clause  (ii),  respectively,  in  which  the  Executive  is  included  be  less  than  the  aggregate  level  of  benefits  under  plans  of  the
Company of the type referred to in such clauses, respectively, in which Executive was participating immediately prior to the Change in Control; and
provided further, that, the Executive's level of contribution in the SERP (or equivalent benefit) during any Change in Control Period shall not be less
than  the  Executive's  level  of  contribution  in  the  SERP  during  the  year  prior  to  the  Change  in  Control  or  the  year  in  which  the  Change  in  Control
occurred, whichever is greater.

3.5

Determination of Cap or Payment.

(a)

Notwithstanding any other provision of this Agreement, if any portion of any payment under this Agreement, or
under any other agreement or arrangement with the Executive or plan of the Company or one of its subsidiaries or affiliates (in the aggregate, "Total
Payments"), would constitute an "excess parachute payment" and would, but for this Section 3.5, result in the imposition on the Executive of an excise
tax  under  Code  Section  4999  (the  "Excise  Tax"),  then  the  Total  Payments  to  be  made  to  the  Executive  shall  either  be  (i)  delivered  in  full,  or  (ii)
reduced to two hundred ninety-nine and ninety-nine one-hundredths percent (299.99%) of the Executive's "base amount" for purposes of Code Section
280G so that no portion of such Total Payments would be subject to the Excise Tax, whichever of the foregoing results in the receipt by the Executive
of the greatest benefit on an after-tax basis (taking into account the applicable federal, state and local income taxes and the Excise Tax).

(b)

Within  forty  (40)  days  following  a  termination  or  notice  by  one  party  to  the  other  of  its  belief  that  there  is  a
payment or benefit due the Executive that will result in an excess parachute payment, the Company shall obtain, at its expense, the opinion (which
need not be unqualified) of nationally recognized tax counsel ("Tax Counsel") selected by the Compensation Committee of the Board of Directors,
which sets forth  (i)  the "base amount"  within the  meaning  of Code Section 280G; (ii)  the aggregate  present  value  of the payments  in the nature  of
compensation to the Executive as prescribed in Code Section 280G(b)(2)(A)(ii); (iii) the amount and present value of any "excess parachute payment"
within the meaning of Code Section 280G(b)(1); and (iv) the net after-tax proceeds to the Executive, taking into account the tax imposed under Code
Section 4999 if (x) the Total Payments were delivered in full or (y) the Total Payments were reduced in accordance with Section 3.5(a).  Such opinion
shall be addressed to the Company and the Executive and shall be binding upon the Company and the Executive.  If such

6

opinion determines that clause (a)(ii) above applies, then the payments or benefits under this agreement or any other payment or benefit determined by
Tax Counsel to be includable in the Total Payments shall be reduced or eliminated so that under the bases of calculations set forth in such opinion
there  will  be  no  excess  parachute  payment.   In  such  event,  payments  or  benefits  included  in  the  Total  Payments  shall  be  reduced  or  eliminated  by
applying  the following principles, in order:  (1) the payment or benefit with the higher ratio of the parachute payment value to present economic value
(determined using reasonable actuarial assumptions) shall be reduced or eliminated before a payment or benefit with a lower ratio; (2) the payment or
benefit with the later payment date shall be reduced or eliminated before a payment or benefit with an earlier payment date; and (3) cash payments
shall be reduced prior to non-cash benefits; provided that if the foregoing order of reduction or elimination would violate Code Section 409A, then the
reduction  shall  be  made  pro  rata  among  the  payments  or  benefits  to  be  received  by  the  Executive  (on  the  basis  of  the  relative  present  value  of  the
parachute payments).

(c)

For purposes of this Agreement, (i) the value of any noncash benefits or any deferred payment or benefit shall be
determined in accordance with the principles of Code Sections 280G(d)(3) and (4), and (ii) the Executive shall be deemed to pay federal income tax
and employment taxes at the highest stated rate of federal income and employment taxation, and state and local income taxes at the highest stated rate
of  taxation  in  the  state  or  locality  of  the  Executive's  domicile  (determined  in  both  cases  in  the  calendar  year  in  which  the  termination  or  notice
described  in  Section  3.5(b)  is  given,  whichever  is  earlier),  net  of  the  maximum  reduction  in  federal  income  taxes  that  may  be  obtained  from  the
deduction of such state and local taxes.

(d)

If such Tax Counsel so requests in connection with the opinion required by this Section 3.5, the Company shall
obtain,  at  its  expense,  and  the  Tax  Counsel  may  rely  on,  the  advice  of  a  firm  of  recognized  executive  compensation  consultants  as  to  (1)  the
reasonableness of any item of compensation to be received by the Executive solely with respect to its status under Code Section 280G, or (2) the fair
market value of any non-cash benefit.  Such firm shall be selected by the Compensation Committee of the Board of Directors.

or 4999.  If such provisions are repealed without successor, then this Section 3.5 shall be cancelled without further effect.

(e)

This Section 3.5 shall be amended to comply with any amendment or successor provision to Code Sections 280G

3.6

Relocation.    The  Executive  is  required  to  permanently  relocate  the  Executive's  and  the  Executive's  family's  primary
residence to within fifty (50) miles of Austin, Texas (the “Austin Area”) on or before the second anniversary of the Effective Date.  The Executive
shall  be  deemed  to  have  satisfied  this  requirement  if  the  Executive  has  purchased  his  primary  residence,  moved  his  family’s  household  goods,  and
enrolled his minor-aged children in school in the Austin Area by the second anniversary of the Effective Date.  For purposes of any benefits or equity
awards that are contingent on the Executive satisfying the requirement of this Section 3.6, the Executive will be deemed to have met the requirement if
his employment is terminated due to death or total and permanent disability prior to the second anniversary of the Effective Date.  In lieu of a standard
relocation package, the Company shall: (i) pay Executive a total of One Hundred Thousand dollars ($100,000.00), which shall be paid in six equal
monthly installments commencing in November of 2020, provided Executive remains employed with the

7

Company through the installment payment date, and (ii) reimburse Executive for (or pay directly) the costs incurred to move Executive’s household
goods to the Austin Area.

4.

Termination of Employment.

4.1

Death.  The  Executive's  employment  shall  be  terminated  by  the  Executive's  death.    In  the  event  of  the  death  of  the
Executive, the Company shall pay to the estate or other legal representative of the Executive the Base Salary (at the annual rate in effect) and Vacation
as accrued through the Termination Date and the bonus provided for in Section 3.2 for the Termination Year (as well as any then earned but unpaid
bonus for the year preceding the Termination Year, if applicable).  Except as otherwise provided in this Agreement, the rights and benefits of the estate
or  other  legal  representative  of  the  Executive  under  the  benefit  plans  and  programs  of  the  Company  shall  be  determined  in  accordance  with  the
provisions of such plans and programs.

4.2

Disability.  If the Executive shall incur a Disability, the employment of the Executive shall be terminated.  In the event
of  such  termination,  the  Company  shall  pay  to  the  Executive  the  Base  Salary  (at  the  annual  rate  then  in  effect)  and  Vacation  accrued  through  the
Termination  Date  and  the  bonus  provided  for  in  Section  3.2  for  the  Termination  Year  (as  well  as  any  then  earned  but  unpaid  bonus  for  the  year
preceding the Termination Year, if applicable).  Except as otherwise provided under this Agreement, the rights and benefits of the Executive or the
Executive's transferee under the benefit plans and programs of the Company shall be determined in accordance with the provisions of such plans and
programs.

4.3

Due Cause.    The  employment  of  the  Executive  hereunder  may  be  terminated  by  the  Company  at  any  time  for  Due
Cause.    In  the  event  of  such  termination,  the  Company  shall  pay  to  the  Executive  the  Base  Salary  (at  the  annual  rate  then  in  effect)  and  Vacation
accrued through the Termination Date and not theretofore paid to the Executive.  Except as otherwise provided under this Agreement, the rights and
benefits of the Executive or the Executive's transferee under the benefit plans and programs of the Company shall be determined in accordance with
the provisions of such plans and programs.

4.4

Termination by the Company Without Cause.

(a)

The Company may terminate the Executive's employment at any time, for whatever reason it deems appropriate or
without reason; provided, however, that in the event that such termination is not pursuant to Section 4.1 (Death); Section 4.2 (Disability); Section 4.3
(Due Cause); Section 4.5 (Voluntary Termination); or Section 4.6 (Retirement), the Company shall pay to the Executive the Base Salary (at the annual
rate then in effect) and Vacation accrued through the Termination Date and the bonus provided for in Section 3.2 for the Termination Year (as well as
any then earned but unpaid bonus for the year preceding the Termination Year, if applicable).

In addition to the payments described in Section 4.4(a), the Company shall pay to the Executive, on the date that is
six  (6)  months  and  one  day  after  the  Termination  Date,  a  lump  sum  in  an  amount  equal  to  eighteen  (18)  months  (twenty-four  (24)  months  if  the
Termination Date is during a Change in Control Period) of the monthly Base Salary

(b)

8

and an additional bonus payment equal to one and one-half (1.5) times (two (2.0) times, if the Termination Date is during a Change in Control Period)
the Target Bonus for the Termination Year (collectively, the "Severance Payment"). In addition, the Company shall for eighteen (18) months (twenty-
four (24) months if the Termination Date is during a Change in Control Period) following the Termination Date, (i) reimburse the Executive for the
Executive's reasonable costs of medical and dental coverage as provided under COBRA (which shall be extended by six (6) months if the Termination
Date is during a Change in Control Period), (ii) reimburse the Executive for the Executive's reasonable costs incurred in maintaining the Executive's
life and disability coverage, and (iii) reimburse the Executive for similar, applicable benefits granted to the Executive in Section 3.4, each at levels
substantially equivalent to those provided by the Company to the Executive immediately prior to the termination of employment (including such other
benefits as shall be provided to senior corporate officers of the Company in lieu of such benefits from time to time during the eighteen (18) or twenty-
four (24) month payment period, as applicable), on the same basis, including the Company's payment of premiums and contributions, as such benefits
are provided to other senior corporate officers of the Company or were provided to the Executive prior to the termination; provided, however, that no
further contribution to the SERP shall be made to the benefit of the Executive following the Termination Date, in accordance with the SERP's terms.
Reimbursements of expenses which provide for nonqualified deferred compensation under Code Section 409A, if any, shall not be paid before six (6)
months and one day after the Executive's Termination Date.  The amount of expenses eligible for reimbursement, or in-kind benefits provided, during
a taxable year of the Executive may not affect the expenses eligible for reimbursement, or in-kind benefits to be provided in any other taxable year.
 Reimbursements shall be paid on or before the last day of the Executive's taxable year following the taxable year in which the expense was incurred.
 The right to reimbursement hereunder is not subject to liquidation or exchange for another benefit.

In addition, for a period of eighteen (18) months immediately following the Executive's Termination Date, the Executive will be provided
with  outplacement  services  commensurate  with  those  provided  to  other  senior  corporate  officers  of  the  Company  through  a  vendor  selected  by  the
Company. Except as otherwise provided under this Agreement, the rights and benefits of the Executive or the Executive's transferee under the benefit
plans and programs of the Company shall be determined in accordance with the provisions of such plans and programs.

(c)

Notwithstanding Section 4.4(b), in the event that (i) the Executive is not a Specified Employee, then the Company
shall  pay  to  the  Executive  the  Severance  Payment  within  forty-five  (45)  days  from  the  Termination  Date  and  the  six  (6)  month  delay  for
reimbursements  shall  cease  to  apply,  or  (ii)  the  Executive  is  a  Specified  Employee  and  the  death  of  the  Executive  occurs  within  six  (6)  months
following the Termination Date, the Company shall pay to the Executive's estate any unpaid portion of the amounts due to be paid to the Executive
pursuant to Section 4.4(b) within forty-five (45) days following the Executive's death.  If the Executive's estate or legal representative fails to notify the
Company of the death of the Executive such that the Company is unable to make timely payment hereunder, then the Company shall not be treated as
in breach of this Agreement and shall not be liable to the estate or legal representative for any losses, damages, or other claims resulting from such late
payment.

under Section 4.4(b) unless the Executive has first

(d)

Notwithstanding anything in this Agreement to the contrary, the Executive shall not be entitled to any payments

9

duly and timely executed (and not revoked) a form of mutual agreement and general release acceptable to the Company releasing both the Company
and the Executive from certain claims the other party may have in connection with the Executive's employment with the Company and the termination
thereof, to the extent permitted by law.

4.5

Voluntary Termination.  The Executive may terminate the Executive's employment with the Company at any time and
the Company shall pay to the Executive the Base Salary (at the annual rate then in effect) and Vacation accrued through the Termination Date and the
bonus provided for in Section 3.2 for the Termination Year (as well as any then earned but unpaid bonus for the year preceding the Termination Year,
if applicable).  In the event the Executive terminates the Executive's employment under this Section 4.5, written notice of at least thirty (30) days shall
be  provided  to  the  Company  in  accordance  with  the  provisions  of  Section  9.  Except  as  otherwise  provided  under  this  Agreement,  the  rights  and
benefits of the Executive or the Executive's transferee under the benefit plans and programs of the Company shall be determined in accordance with
the provisions of such plans and programs.

4.6

Retirement. In the event of the Executive's Retirement, the Company shall pay to the Executive the Base Salary (at the
annual rate then in effect) and Vacation accrued through the date of Retirement and the bonus provided for in Section 3.2 for the Termination Year (as
well  as  any  then  earned  but  unpaid  bonus  for  the  year  preceding  the  Termination  Year,  if  applicable).    Except  as  otherwise  provided  under  this
Agreement,  the  rights  and  benefits  of  the  Executive  or  the  Executive's  transferee  under  the  benefit  plans  and  programs  of  the  Company  shall  be
determined in accordance with the provisions of such plans and programs.

5.

Good Reason Termination Following Change in Control.

If during a Change in Control Period there occurs:

4.2 (Disability) or Section 4.3 (Due Cause);

(a)

any purported termination of the Executive by the Company not in accordance with Section 4.1 (Death), Section

immediately prior to the Change in Control or at any time thereafter;

(b)

a  material  diminution  of  the  Executive's  responsibilities,  as  compared  to  the  Executive's  responsibilities

(c)

the Company's notification of the Executive of its intent, at least sixty (60) days in advance, to change the location
of  the  Executive's  principal  place  of  employment  with  the  Company  to  a  location  that  is  at  least  fifty  (50)  miles  away  from  the  location  of  the
Executive's principal place of employment prior to such change, unless such new location is no farther from the Executive's then-current residence than
the immediately prior location;

the Company's failure to satisfy the sixty (60) day advance notice of relocation requirement set forth in Section
5(c) above (it being understood that the Executive shall not, in such event, be required to relocate to terminate the Executive's employment pursuant to
this Section 5);

(d)

(e)

any breach by the Company of Section 3.2(c), Section 3.3(c), Section 3.3(d) or Section 3.4(b); or

10

(f)

any other material breach of this Agreement by the Company;

then, at the option of the Executive, exercisable by the Executive within ninety (90) days after the Executive's actual knowledge of the occurrence of
any of the foregoing events, the Executive may resign employment with the Company (or, if involuntarily terminated, give notice of the Executive's
intention to collect benefits under this Agreement) by delivering a notice in writing (the "Notice of Termination") to the Company; provided, however,
that, in the case of a resignation based on a material breach of this Agreement pursuant to Section 5(f), the Company shall have thirty (30) days from
its receipt of the Notice of Termination to cure the breach, if curable, and, if the Company fails to cure the breach within such thirty (30) day period,
then the Executive's resignation shall become effective upon the expiration of such thirty (30) day period.  Upon the Executive's resignation or notice
following  an  involuntary  termination  pursuant  to  the  preceding  sentence,  the  Executive  shall  be  entitled  to  receive  the  Base  Salary  and  Vacation
accrued to the Termination Date and the bonus provided for in Section 3.2 for the Termination Year (as well as any then earned but unpaid bonus for
the year preceding the Termination Year, if applicable).  In addition, the Company shall pay to the Executive on the date that is six (6) months and one
day after the Termination Date the Severance Payment (calculated, for the avoidance of doubt, using twenty-four (24) months of Base Salary and two
(2) times the Target Bonus for the Termination Year).  In addition, the Company shall, for twenty-four (24)  months following the Termination Date,
(i) reimburse the Executive for the Executive's reasonable costs of medical and dental coverage as provided under COBRA (which shall be extended
by  six  (6)  months  if  the  Termination  Date  is  during  a  Change  in  Control  Period),  (ii)  reimburse  the  Executive  for  the  Executive's  reasonable  costs
incurred  in maintaining  the Executive's  life and disability  coverage,  and (iii)  reimburse  the Executive  for similar,  applicable  benefits  granted to the
Executive  in  Section  3.4,  each  at  levels  substantially  equivalent  to  those  provided  by  the  Company  to  the  Executive  immediately  prior  to  the
termination of the Executive's employment (including such other benefits as shall be provided to senior corporate officers of the Company in lieu of
such  benefits  from  time  to  time  during  the  twenty-four  (24)  month  period),  on  the  same  basis,  including  the  Company's  payment  of  premiums  and
contributions,  as  such  benefits  are  provided  to  other  senior  corporate  officers  of  the  Company  or  were  provided  to  the  Executive  prior  to  the
termination; provided, however, that no further contribution to the SERP shall be made to the benefit of the Executive following the Termination Date,
in accordance with the SERP's terms. Reimbursements of expenses which provide for nonqualified deferred compensation under Code Section 409A,
if  any,  shall  not  be  paid  before  six  (6)  months  and  one  day  after  the  Executive's  Termination  Date.    The  amount  of  expenses  eligible  for
reimbursement, or in-kind benefits provided, during a taxable year of the Executive may not affect the expenses eligible for reimbursement, or in-kind
benefits to be provided in any other taxable year.  Reimbursements shall be paid on or before the last day of the Executive's taxable year following the
taxable year in which the expense was incurred.  The right to reimbursement hereunder is not subject to liquidation or exchange for another benefit.

In addition, for a period of eighteen (18) months immediately following the Executive's Termination Date, the Executive will be provided
with  outplacement  services  commensurate  with  those  provided  to  other  senior  corporate  officers  of  the  Company  through  a  vendor  selected  by  the
Company.  Except as otherwise provided under this Agreement, the rights and benefits of the Executive or the Executive's transferee under the benefit
plans and programs of the Company shall be determined in accordance with the provisions of such plans and programs.

11

(g)

Notwithstanding  the  prior  provisions  of  this  Section  5,  in  the  event  that  (i)  the  Executive  is  not  a  Specified
Employee, then the Company shall pay to the Executive the Severance Payment within forty-five (45) days from the Termination Date and the six (6)
month delay for reimbursements shall cease to apply, or (ii) the Executive is a Specified Employee and the death of the Executive occurs within six (6)
months  following  the  Termination  Date,  the  Company  shall  pay  to  the  Executive's  estate  any  unpaid  portion  of  the  amounts  due  to  be  paid  to  the
Executive pursuant to this Section 5 within forty-five (45) days following the Executive's death.  If the Executive's estate or legal representative fails to
notify the Company of the death of the Executive such that the Company is unable to make timely payment hereunder, then the Company shall not be
treated as in breach of this Agreement and shall not be liable to the estate or legal representative for any losses, damages, or other claims resulting from
such late payment.

(h)

Notwithstanding anything contained in this Agreement to the contrary, the Executive shall not be entitled to any
payments under this Section 5 unless the Executive has first duly and timely executed (and not revoked) the form of mutual agreement and general
release acceptable to the Company releasing both the Company and the Executive from certain claims the other party may have in connection with the
Executive's employment with the Company and the termination thereof, to the extent permitted by law.

6.

Confidential Information; Return of Property; Inventions.

Unless the Executive secures the Company's written consent, the Executive will not, during the Employment Period and
for  an  unlimited  period  of  time  thereafter,  disclose,  use,  disseminate,  lecture  upon,  or  publish  Confidential  Information,  whether  or  not  such
Confidential Information was developed by the Executive.

6.1

6.2

"Confidential Information" means information disclosed to the Executive or known by the Executive as a result of the
Executive's  employment  with  the  Company,  not  generally  known  in  the  industry,  about  the  Company's  and/or  its  affiliates'  services,  products,  or
customers,  including,  but  not  limited  to,  clinical  programs,  procedures  and  protocols,  research,  operating  manuals,  business  methods,  financial
strategic planning, client retention, customer and supplier lists, data processing, insurance plans, risk management, marketing, contracting, selling and
employees,  as well as  all  protected  health  information,  as defined  by  the Health  Insurance  Portability  and Accountability  Act  of 1996, as amended
("PHI").

6.3

The Executive agrees to preserve for the Company's exclusive use and deliver to the Company at the termination of the
Executive's employment, or at any other time the Company may request, all equipment and property (including, without limitation, tools, computers,
mobile  communication  devices  and  furniture)  and  all  memoranda,  data,  notes,  plans,  records,  reports  and  other  documents,  whether  in  electronic,
written or other form (and copies thereof), relating to the business of the Company, including, without limitation, PHI, that the Executive may then
possess or have under the Executive's control.

6.4

Limits on Confidentiality Requirements.

making a report with, any governmental authority

(a)

Nothing  in  this  Agreement  is  intended  to  discourage  or  restrict  the  Executive  from  communicating  with,  or

12

regarding  a good faith  belief  of any  violations  of  law or  regulations  based  on information  that  the  Executive  acquired  through  lawful  means  in  the
course of the Executive's employment, including such disclosures protected or required by any whistleblower law or regulation of the Securities and
Exchange Commission, the Department of Labor, or any other appropriate governmental authority.

(b)

Nothing in this Agreement is intended to discourage or restrict the Executive from reporting any theft of Trade
Secrets  pursuant  to  the  Defend  Trade  Secrets  Act  of  2016  (the  "DTSA")  or  other  applicable  state  or  federal  law.    The  DTSA  prohibits  retaliation
against an employee because of whistleblower activity in connection with the disclosure of Trade Secrets, so long as any such disclosure is made either
(i) in confidence to an attorney or a federal, state, or local government official and solely to report or investigate a suspected violation of the law, or (ii)
under seal in a complaint or other document filed in a lawsuit or other proceeding.

(c)

If  the  Executive  believes  that  any  employee  or  any  third  party  has  misappropriated  or  improperly  used  or
disclosed Trade Secrets or Confidential Information, the Executive should report such activity through the Company's Open Door Policy (as provided
in the Employee Handbook and/or any other then applicable policies and procedures of the Company) or Compliance Hotline.  This Agreement is in
addition to and not in lieu of any obligations to protect the Company's Trade Secrets and Confidential Information pursuant to the Employee Handbook
and/or  any  other  then  applicable  policies  and  procedures  of  the  Company  and  Code  of  Business  Conduct  and  Ethics  for  Directors  and  Employees.
Nothing in this Agreement shall limit,  curtail or diminish the Company's statutory rights under the DTSA, any applicable state law regarding  trade
secrets or common law.

7.

Non-Compete.

7.1

The  Executive  recognizes  and  acknowledges  that  by  virtue  of  signing  this  Agreement  and  accepting  employment
hereunder, Executive will receive training materials, Trade Secrets and other Confidential Information and will acquire additional valuable training and
knowledge, enhance the Executive's professional skills and experience, and learn additional proprietary Trade Secrets and Confidential Information of
the Company and its affiliates.  In consideration of the foregoing and this contract of employment, the Executive agrees that the Executive will not,
during  the  Executive's  term  of  employment  and  for  a  period  of  eighteen  (18)  months  after  the  Termination  Date,  directly  or  indirectly  (i)  engage,
whether as principal, agent, investor, representative, stockholder (other than as the holder of not more than five percent (5%) of the stock or equity of
any corporation  the capital stock of which is publicly traded),  employee, consultant, volunteer  or otherwise, with or without pay, in any activity or
business  venture  anywhere  within  the  contiguous  United  States  that  is  competitive  with  the  Business,  (ii)  solicit  or  entice  or  endeavor  to  solicit  or
entice away from the Company and/or its affiliates any director, officer, employee, agent or consultant of the Company and/or its affiliates with whom
the  Executive  had  contact  during  the  Executive's  employment  with  the  Company,  either  on  the  Executive's  own  account  or  for  any  Person,  firm,
corporation or other organization, regardless of whether the Person solicited would commit any breach of such Person's contract of employment by
reason of leaving the Company's or any of its affiliates' service; (iii) solicit or entice or endeavor to solicit or entice away any of the referral sources,
clients  or customers  of the Company and/or  any of its affiliates  with whom the Executive  had contact  during the Executive's  employment  with the
Company for the purpose of competing in the Business, either on the Executive's own account

13

or for any other Person, firm, corporation or organization; (iv) employ or otherwise utilize (whether as a consultant, advisor or otherwise) any Person
who was a director, officer, or employee of the Company and/or its affiliates at any time during the two (2) years preceding the Termination Date and
with whom the Executive had contact during the Executive's employment with the Company, unless such Person's employment was terminated by the
Company and/or its affiliates; or (v) employ or otherwise utilize (whether as a consultant, advisor or otherwise) any Person with whom the Executive
had contact during the Executive's employment with the Company and who is or may be likely to be in possession of any Confidential Information.
 The Executive agrees that the restraints imposed under this Section 7 are reasonable and not unduly harsh or oppressive.  The parties hereto agree that
if,  in  any  proceeding,  the  Court  or  other  authority  shall  refuse  to  enforce  covenants  set  forth  in  this  Section  7,  because  such  covenants  cover  too
extensive a geographic area or too long a period of time, any such covenant shall be deemed appropriately amended and modified in keeping with the
intention of the parties to the maximum extent permitted by law.

7.2

Since a material purpose of this Agreement is to protect the Company's investment in the Executive and to secure the
benefits of the Executive's background and general experience in the industry, the parties hereto agree and acknowledge that money damages may not
be an adequate remedy for any breach of the provisions of Section 6 or this Section 7 and that any such breach will cause the Company irreparable
harm.  Therefore, in the event of a breach by the Executive of any of the provisions of Section 6 or this Section 7, the Company or its successors or
assigns may, in addition to other rights and remedies existing in its favor, apply to any court of law or equity of competent jurisdiction for specific
performance and/or injunctive or other relief in order to enforce or prevent any violations of the provisions of this Agreement.

The Executive specifically authorizes and permits the Company to provide any Person with which the Executive serves
(or may serve) as an employee, director, owner, stockholder, consultant, partner (limited or general) or otherwise with a copy of this Agreement or a
general description of some or all of the terms of this Agreement.

7.3

8.

Miscellaneous.

8.1

Whenever  possible,  each  provision  of  this  Agreement  will  be  interpreted  in  such  manner  as  to  be  effective  and  valid
under applicable law.  The parties agree that (i) the provisions of this Agreement shall be severable in the event that any of the provisions hereof are
for  any  reason  whatsoever  invalid,  void  or  otherwise  unenforceable,  (ii)  such  invalid,  void  or  otherwise  unenforceable  provisions  shall  be
automatically replaced by other provisions which are as similar as possible in terms to such invalid, void or otherwise unenforceable provisions but are
valid and enforceable and (iii) the remaining provisions shall remain enforceable to the fullest extent permitted by law.

This Agreement embodies the complete agreement and understanding among the parties and supersedes and preempts
any prior understandings, agreements or representations by or among the parties, written or oral, which may have related to the subject matter hereof in
any way.

8.2

and their respective successors and assigns.

8.3

This Agreement is intended to bind and inure to the benefit of and be enforceable by the Executive and the Company,

14

8.4

Assignment.

8.4.1

By  the  Company.  The  Company  shall  require  any  successors  (whether  direct  or  indirect,  by  purchase,  merger,
consolidation or otherwise) to all or substantially all of the business and/or assets of the Company to assume and agree to perform this Agreement in
the  same  manner  and  to  the  same  extent  that  the  Company  would  be  required  to  perform  if  no  such  succession  had  taken  place.    As  used  in  this
Agreement,  the  "Company"  shall  mean  the  Company  as  hereinbefore  defined  and  any  successor  to  its  business  and/or  assets  as  aforesaid  which
otherwise becomes bound by all the terms and provisions of this Agreement by operation of law and this Agreement shall be binding upon and inure to
the  benefit  of,  the  Company,  as  so  defined.    The  Company  and  the  Executive  agree  that  the  Company  may  not  assign  this  Agreement  without  the
express, written consent of the Executive.

8.4.2

By  the  Executive.  The  Executive  may  not  assign  this  Agreement  or  any  part  thereof  without  the  prior  written
consent of a majority of the Board of Directors; provided, however, that nothing herein shall preclude one or more beneficiaries of the Executive from
receiving any amount that may be payable following the occurrence of the Executive's legal incompetency or death and shall not preclude the legal
representative  of  the  Executive's  estate  from  receiving  such  amount  or  from  assigning  any  right  hereunder  to  the  person  or  persons  entitled  thereto
under the Executive's will or, in the case of intestacy, to the person or persons entitled thereto under the laws of intestacy applicable to the Executive's
estate.  The term "beneficiaries," as used in this Agreement, shall mean a beneficiary or beneficiaries so designated to receive any such amount or, if
no  beneficiary  has  been  so  designated,  the  legal  representative  of  the  Executive  (in  the  event  of  the  Executive's  incompetency)  or  the  Executive's
estate.

8.5

All questions concerning the construction, validity and interpretation of the Agreement will be governed by the internal
law, and not the law of conflicts, of the State of Texas.  All disputes under this Agreement shall be submitted to and governed by binding arbitration
with an arbitrator from the American Arbitration Association; except only that the Company may seek relief in a court of competent jurisdiction in the
event  of  a  claimed  violation  of  Section  6  or  Section  7  of  this  Agreement.  The  Executive  hereby  agrees  that  any  action  or  proceeding  regarding  or
relating to this Agreement that is properly submitted to a court of competent jurisdiction as described in the preceding sentence shall be subject to the
exclusive jurisdiction of the courts of the State of Texas, County of Travis, or, if it has or can acquire jurisdiction, in the United States District Court
for the Western District of Texas, and each of the parties hereto consents to the jurisdiction of such courts (and of the appropriate appellate courts) in
any  such  action  or  proceeding  and  waives  any  objection  to  venue  laid  therein.    Process  in  any  action  or  proceeding  referred  to  in  the  preceding
sentence may be served on any party hereto anywhere in the world.

Any provision of this Agreement may be amended or waived only with the prior written consent of the Company and
the Executive.  Notwithstanding anything in this Agreement to the contrary, the Company shall unilaterally have the right to amend this Agreement to
comply with Section 409A of the Code.

8.6

counterparts, each of which when executed shall be deemed to

8.7

This  Agreement  may  be  executed  in  one  or  more  counterparts,  and  by  the  different  parties  hereto  in  separate

15

be  an  original  but  all  of  which  taken  together  shall  constitute  one  and  the  same  agreement.    The  parties  further  agree  that  facsimile  signatures  or
signatures scanned into .pdf (or similar) format and sent by e-mail shall be deemed original signatures.

9.

Notices.

Any  notice  to  be  given  hereunder  shall  be  in  writing  and  delivered  personally  or  sent  by  certified  mail,  postage  prepaid,  return  receipt
requested, addressed to the party concerned at the address indicated below or at such other address as such party may subsequently be designated by
like notice:

If to the Company:

Hanger, Inc.
Suite 300
10910 Domain Drive
Austin, Texas 78758
Attention: Senior Vice President & Chief Human Resources Officer

If to the Executive:

Peter Stoy
357 Evian Way
Mount Pleasant, SC 29464

10.

Withholding.

Anything to the contrary notwithstanding, all payments required to be made by the Company hereunder to the Executive or the Executive's
beneficiaries,  including  the  Executive's  estate,  shall  be  subject  to  withholding  of  such  amounts  relating  to  taxes  as  the  Company  may  reasonably
determine it should withhold pursuant to any applicable law or regulation.  In lieu of withholding such amounts, in whole or in part, the Company may,
in its sole discretion, accept other provisions for payment of taxes as permitted by law, provided it is satisfied in its sole discretion that all requirements
of law affecting its responsibilities to withhold such taxes have been satisfied.

11.

Survivorship.

The respective rights and obligations of the parties hereunder shall survive any termination of this Agreement to the extent necessary to the

intended preservation of such rights and obligations.

12.

Definitions.

"Business" shall mean any competitive  business of any of the following: (a) fabricating,  manufacturing,  distributing,
wholesaling  or  retailing  of  orthotics  or  prosthetics,  or  the  operation  of  clinics  to  fit  patients  for  orthotics  or  prosthetics;  (b)  orthotic  and  prosthetic
network management, care and administration; (c) the business of providing rehabilitative

12.1

16

products  (cold  therapy,  continuous  passive  motion,  or  similar  products)  and  services  directly  to  patients;  (d)  integrated  clinical  physical  therapy
programs  for  sub-acute  and  long-term  care  rehabilitation  providers  (including,  without  limitation,  skilled  nursing  facilities,  home  health  agencies,
outpatient  clinics  and  other  rehabilitation  providers),  combining  medical  technology  with  evidence-based  clinical  protocols;  and/or  (e)  or  any  other
related businesses in which the Company and/or its affiliates is engaged during and at the termination of the Employment Period.  For avoidance of
doubt, volunteer work and/or teaching at an educational institution shall not be deemed activities within the Business.

12.2

"Change in Control" shall mean the occurrence of any of the following:

(a)

a person, as defined in Sections 13(d) and 14(d) of the Securities Exchange Act of 1934 (other than the Executive
or a group including the Executive), either (i) acquires twenty percent (20%) or more of the combined voting power of the outstanding securities of the
Company having the right to vote in elections of directors and such acquisition shall not have been approved within sixty (60) days following such
acquisition  by  a  majority  of  the  Continuing  Directors  (as  hereinafter  defined)  then  in  office,  or  (ii)  acquires  fifty  percent  (50%)  or  more  of  the
combined voting power of the outstanding securities of the Company having a right to vote in elections of directors; or

(b)

Continuing Directors shall for any reason cease to constitute a majority of the Board of Directors; or

the Company disposes of all or substantially all of the business of the Company to a party or parties other than a
subsidiary  or  other  affiliate  of  the  Company  pursuant  to  a  partial  or  complete  liquidation  of  the  Company,  sale  of  assets  (including  stock  of  a
subsidiary of the Company) or otherwise; or

(c)

the Board of Directors approves the Company's consolidation or merger with or into any other Person (other than
a wholly-owned subsidiary of the Company), or any other Person's consolidation or merger with or into the Company, which results in all or part of the
outstanding shares of Stock being changed in any way or converted into or exchanged for stock or other securities or cash or any other property.

(d)

 "Continuing Director"  shall  mean  a  member  of  the  Board  of  Directors  who  either  was  a  member  of  the  Board  of
Directors on the date hereof or who subsequently became a Director of the Company and whose election, or nomination for election, was approved by
a vote of at least two-thirds (2/3) of the Continuing Directors then in office.

12.3

"Disability" means that the Executive is unable to engage in any substantial gainful activity by reason of any medically
determinable physical or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than
twelve (12) months.

12.4

"Due Cause"  means  any  of:  (i)  the  repeated  failure  or  refusal  of  the  Executive  to  follow  the  lawful  directives  of  the
Chief Executive Officer of the Company or the Board of Directors (except due to sickness, injury or disabilities), (ii) gross inattention to duty or any
other willful, reckless or grossly negligent act (or omission to act) by the Executive, which, in

12.5

17

the  good  faith  judgment  of  the  Chief  Executive  Officer  of  the  Company  or  the  Board  of  Directors,  materially  injures  the  Company,  including  the
repeated failure to follow the written policies and procedures of the Company, (iii) a material breach of this Agreement by the Executive, including the
failure to timely comply with the requirements of Section 3.6, after written notice and a reasonable opportunity to cure, if curable (provided that such
opportunity  to  cure  will  not  apply  if  the  opportunity  to  cure  described  in  the  following  sentence  following  a  Change  in  Control  applies),   (iv) the
commission by the Executive of a felony or other crime involving moral turpitude or an act of financial dishonesty against the Company or any of its
affiliates.  Following a Change in Control, any determination of Due Cause shall be made only by the Board of Directors or by the board of directors of
the successor or acquirer in the Change in Control, which may terminate the Executive for Due Cause only after providing Executive (a) written notice
that indicates in reasonable detail the facts and circumstances alleged to provide a basis for such termination, (b) a thirty (30) day opportunity to cure
such facts or circumstances, if curable, (c) the opportunity to appear before such board (with the accompaniment of counsel) and provide rebuttal to
such proposed termination, and (d) written notice following such appearance confirming such termination and certifying that the decision to terminate
the  Executive  for  Due  Cause  was  approved  in  good  faith  by  at  least  sixty-six  percent  (66%)  of  the  members  of  such  board;  provided  that  the
requirements of this sentence shall apply only if the termination for Due Cause occurs, or is initiated by delivery of a written notice pursuant to clause
(a), during the Change in Control Period.

12.6

"Fair  Market  Value"  shall  mean,  per  Share  on  a  particular  date,  the  last  sales  price  on  such  date  on  the  national
securities exchange on which the Shares are then traded, as reported in The Wall Street Journal, or if no sales of Shares occur on the date in question,
on the last preceding date on which there was a sale on such exchange. If the Shares are not listed on a national securities exchange, but are traded in
an over-the-counter market, the last sales price (or, if there is no last sales price reported, the average of the closing bid and asked prices) for the Shares
on the particular date, or on the last preceding date on which there was a sale of Shares on that market, will be used. If the Shares are neither listed on a
national securities exchange nor traded in an over-the-counter market, the price determined by the Board of Directors in its discretion shall be used.
 Notwithstanding anything to the contrary herein, following a Change in Control, if the Shares are neither listed on a national securities exchange nor
traded in an over-the-counter market, the price determined by an independent appraisal, performed by an independent appraisal firm selected by the
mutual agreement of the Company and the Executive, will be used to determine Fair Market Value.

a trust, an unincorporated organization and a governmental entity or any department or agency thereof.

12.7

"Person" shall mean and include an individual, a partnership, a joint venture, a corporation, a limited liability company,

12.8

"Retirement" shall mean the Executive's voluntary termination of employment at or after age sixty-five (65), provided
the Executive has given the Company written notice of the Executive's intent to retire no less than one (1) year prior to the scheduled Termination Date
and the Executive has, as of the scheduled Termination Date, been continuously employed with the Company, including any of its direct or indirect
subsidiaries, for a period of no less than

18

five (5) years.

12.9

The Executive will be a "Specified Employee" if the Executive is a key employee (as defined in Code Section 416(i)
but without regard to Code Section 416(i)(5)) of the Company or an affiliate of the Company (within the meaning of Code Section 414(b) or (c)) any
of the stock of which is publicly traded on an established securities market or otherwise, as determined at the time of the Executive's "separation from
service".  The Executive is a key employee under Code Section 416(i) if the Executive meets the requirements of Code Section 416(i)(1)(A)(i), (ii) or
(iii), applied in accordance with the regulations under Code Section 416, but disregarding Code Section 416(i)(5), at any time during the twelve (12)
month period ending on an identification date.  For purposes of determining whether the Executive is a key employee, compensation shall mean wages
within the meaning of Code Section 3401(a) but determined without regard to any rules that limit the amount of remuneration included in wages based
on the nature or location of the employment or services performed.  If the Executive is a key employee as of an identification date, the Executive is
treated  as  a  key  employee  for  the  twelve  (12)  month  period  beginning  on  the  first  day  of  the  fourth  month  following  the  identification  date.    The
identification  date  for  this  Agreement  shall  be  December  31  of  each  year,  such  that  if  the  Executive  satisfies  the  foregoing  requirements  for  key
employee status as of December 31 of a year, the Executive shall be treated as a key employee for the twelve (12) month period starting April 1 of the
following calendar year.

If,  in  a  transaction  constituting  a  "change  in  control"  of  the  Company,  as  determined  by  Code  Section  409A,  the  Company  is
merged with or acquired by another entity, and immediately following such change in control of the Company the stock of either the Company or the
acquirer or successor in such transaction is publicly traded on an established securities market or otherwise, then for the period between the date of
such  transaction  and  the  next  specified  employee  effective  date  of  the  acquirer  or  survivor,  the  acquirer  or  survivor  shall  combine  the  lists  of  the
specified employees of each entity participating in the transaction and re-order the list to identify the top 50 key employees (as well as one percent
(1%) and five percent (5%) owners that are considered key employees) in accordance with Treasury Regulation §1.409A-1(i)(6)(i).

common stock of the Company or any other security used to determine the value of the equity-based compensation of the Executive.

12.10

"Share"  shall  mean  a  share  of  the  common  stock  of  the  Company  or,  following  a  Change  in  Control,  a  share  of  the

12.11

"Termination  Date"  shall  mean  (i)  if  the  Executive's  employment  is  terminated  by  the  Company  for  any  reason
whatsoever,  other  than  death  or  Disability,  the  Executive's  last  day of  work;  (ii)  if the  Executive's  employment  is terminated  by reason  of death  or
Disability,  the  date  of  death  of  the  Executive  or  the  effective  date  of  the  Disability,  as  the  case  may  be;  and  (iii)  if  the  Executive's  employment  is
terminated  by  the  Executive,  the  expiration  date  of  the  applicable  notice  period  that  is  required  pursuant  to  this  Agreement.    Notwithstanding  the
foregoing, no Termination Date shall be earlier than the date as of which the Executive has incurred a "separation from service" within the meaning of
Internal Revenue Code ("Code") Section 409A, as determined by applying the default rules thereof.

process, financial data, or list of actual or

12.12

"Trade Secret" shall mean information, including a formula, pattern, compilation, program, device, method, technique,

19

potential customers or suppliers that: (a) derives independent economic value, actual or potential, from not being generally known to, and not being
readily ascertainable by proper means by, other persons who can obtain economic value from its disclosure or use; and (b) is the subject of efforts that
are reasonable under the circumstances to maintain its secrecy.

Section 3.4(a).

12.13

"Vacation"  shall  mean  the  Executive's  entitlement  to  paid  vacation  pursuant  to  the  Company's  vacation  policy  and

[The next page is the signature page.]

20

IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first written above.

HANGER, INC.

By:

/s/ Vinit Asar

/s/ Peter Stoy

Subsidiaries of Hanger, Inc. as of December 31, 2020

Exhibit 21

Name

Accelerated Care Plus Corp.
Accelerated Care Plus Leasing, Inc.
Advanced O & P Solutions, L.L.C.
Advanced Prosthetics Center, LLC
Boas Surgical, Inc.
Bolak & Associates, Inc.
Center for Orthotic & Prosthetic Care of North Carolina, Inc.
Center for Orthotic & Prosthetic Care of Scranton, LLC
Chicagoland Animal Orthotics & Prosthetics LLC
Hanger, Inc.
Hanger Fabrication Network LLC
Hanger National Laboratories, LLC
Hanger Prosthetics & Orthotics, Inc.
Hanger Prosthetics & Orthotics East, Inc.
Hanger Prosthetics & Orthotics West, Inc.
Innovative Neurotronics, Inc.
Linkia, LLC
MMAR Medical Group, Inc.
Nascott, Inc.
Next Step Orthopaedics, Inc.
Nobbe Orthopedics, Inc.
Reichert Prosthetics & Orthotics, LLC
Riverview Orthotics Prosthetics, Inc.
Rod O'Connor Enterprises, Inc.
Sawtooth Orthotics and Prosthetics, Inc.
Scheck & Siress Prosthetics, Inc.
Southern Prosthetic Supply, Inc.
SureFit Shoes, LLC
Symbiont Logistics, LLC
The Center for Orthotic & Prosthetic Care of Kentucky, LLC
Tidewater Prosthetic Center Inc.
TMC Orthopedic, LP
Verhi, Inc.

State or Other Jurisdiction of Incorporation or
Organization

Delaware
Delaware
Illinois
Nebraska
Pennsylvania
Michigan
North Carolina
Pennsylvania
Illinois
Delaware
Delaware
Delaware
Delaware
Delaware
California
Delaware
Maryland
Texas
Delaware
New Jersey
California
Wisconsin
Pennsylvania
California
Idaho
Illinois
Georgia
Delaware
Delaware
Kentucky
Virginia
Texas
Florida

    
CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

We hereby consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-231610, No. 333-228488 and No. 333-
169203) and Form S-3 (No. 333-248701) of Hanger, Inc. of our report dated March 1, 2021 relating to the financial statements and the effectiveness of
internal control over financial reporting, which appears in this Form 10-K.

Exhibit 23

/s/ PricewaterhouseCoopers LLP

Austin, Texas
March 1, 2021

Certification of Chief Executive Officer
Pursuant to Section 302 of the Sarbanes‑‑Oxley Act and Rule 13a‑‑ 14(a)
or 15d‑‑14(a) under the Securities Exchange Act of 1934

Exhibit 31.1

I, Vinit K. Asar, certify that:

1.

2.

3.

4.

I have reviewed this annual report on Form 10-K of Hanger, Inc.;

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make
the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered
by this report;

Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects
the financial condition, results of operations, and cash flows of the registrant as of, and for, the periods presented in this report;

The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a‑15(e) and 15d‑15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a‑15(f)
and 15d‑15(f)) for the registrant and have:

a)

b)

c)

d)

designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be  designed  under  our
supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to
us by others within those entities, particularly during the period in which this report is being prepared;

designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under
our  supervision,  to  provide  reasonable  assurance  regarding  the  reliability  of  financial  reporting  and  the  preparation  of  financial
statements for external purposes in accordance with generally accepted accounting principles;

evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about
the  effectiveness  of  the  disclosure  controls  and  procedures,  as  of  the  end  of  the  period  covered  by  this  report  based  on  such
evaluation; and

disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s
fourth  fiscal  quarter  that  has  materially  affected,  or  is  reasonably  likely  to  materially  affect,  the  registrant’s  internal  control  over
financial reporting; and

5.

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting,
to the registrant’s auditors, and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a)

b)

all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are
reasonably likely to adversely affect the registrant’s ability to record, process, summarize, and report financial information; and

any  fraud,  whether  or  not  material,  that  involves  management  or  other  employees  who  have  a  significant  role  in  the  registrant’s
internal control over financial reporting.

Dated: March 1, 2021

By: /s/ VINIT K. ASAR
Vinit K. Asar
Chief Executive Officer 
(Principal Executive Officer)

Certification of Chief Financial Officer
Pursuant to Section 302 of the Sarbanes‑‑Oxley Act and Rule 13a‑‑ 14(a)
or 15d‑‑14(a) under the Securities Exchange Act of 1934

Exhibit 31.2

I, Thomas E. Kiraly, certify that:

1.

2.

3.

4.

I have reviewed this annual report on Form 10-K of Hanger, Inc.;

Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make
the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered
by this report;

Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects
the financial condition, results of operations, and cash flows of the registrant as of, and for, the periods presented in this report;

The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined
in Exchange Act Rules 13a‑15(e) and 15d‑15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a‑15(f)
and 15d‑15(f)) for the registrant and have:

a)

b)

c)

d)

designed  such  disclosure  controls  and  procedures,  or  caused  such  disclosure  controls  and  procedures  to  be  designed  under  our
supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to
us by others within those entities, particularly during the period in which this report is being prepared;

designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under
our  supervision,  to  provide  reasonable  assurance  regarding  the  reliability  of  financial  reporting  and  the  preparation  of  financial
statements for external purposes in accordance with generally accepted accounting principles;

evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about
the  effectiveness  of  the  disclosure  controls  and  procedures,  as  of  the  end  of  the  period  covered  by  this  report  based  on  such
evaluation; and

disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s
fourth  fiscal  quarter  that  has  materially  affected,  or  is  reasonably  likely  to  materially  affect,  the  registrant’s  internal  control  over
financial reporting; and

5.

The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting,
to the registrant’s auditors, and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):

a)

b)

all significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are
reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

any  fraud,  whether  or  not  material,  that  involves  management  or  other  employees  who  have  a  significant  role  in  the  registrant’s
internal control over financial reporting.

Dated: March 1, 2021

By: /s/ THOMAS E. KIRALY

Thomas E. Kiraly
Executive Vice President and Chief Financial Officer 
(Principal Financial Officer)

Written Statement of the Chief Executive Officer and Chief Financial Officer
Pursuant to 18 U.S.C. Section 1350, as Adopted
Pursuant to Section 906 of the Sarbanes‑‑Oxley Act of 2002

Exhibit 32

Solely  for  the  purposes  of  complying  with  18  U.S.C.  §1350,  as  adopted  pursuant  to  Section  906  of  the  Sarbanes-Oxley  Act  of  2002,  the
undersigned Chief Executive Officer and Chief Financial Officer of Hanger, Inc. (the “Company”), hereby certify, based on our knowledge, that the
Annual Report on Form 10-K of the Company for the period ended December 31, 2020 (the “Report”) fully complies with the requirements of Section
13(a) or 15(d) of the Securities Exchange Act of 1934 and that information contained in the Report fairly presents, in all material respects, the financial
condition and results of operations of the Company.

/s/ VINIT K. ASAR
Vinit K. Asar
Chief Executive Officer 
(Principal Executive Officer)

/s/ THOMAS E. KIRALY
Thomas E. Kiraly
Executive Vice President and Chief Financial Officer 
(Principal Financial Officer)

Dated: March 1, 2021