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Insulet

podd · NASDAQ Healthcare
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Industry Medical - Devices
Employees 501-1000
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FY2019 Annual Report · Insulet
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Table of Contents

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, 2019

☐ 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 001-33462

INSULET CORPORATION

(Exact name of Registrant as specified in its charter)

Delaware

(State or Other Jurisdiction of
Incorporation or Organization)

100 Nagog Park

Acton

Massachusetts

(Address of Principal Executive Offices)

04-3523891

(I.R.S. Employer
Identification No.)

01720

(Zip Code)

Registrant’s telephone number, including area code: (978) 600-7000

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

Title of Each Class

Trading Symbol(s)

Name of Each Exchange on Which Registered

Common Stock, $0.001 Par Value Per Share

PODD

The NASDAQ Stock Market, LLC

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  ☒

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

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 and post such files).    Yes  ☒   No  ☐

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting 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 is a shell company (as defined in Rule 12b-2 of the Exchange Act).    Yes  ☐    No  ☒

The aggregate market value of the common stock held by non-affiliates of the registrant computed by reference to the last reported sale price of the Common Stock as reported
on The NASDAQ Global Market on June 30, 2019 was approximately $7.2 billion.

The number of shares of common stock outstanding as of February 20, 2020 was 62,863,402.

The registrant intends to file a proxy statement pursuant to Regulation 14A within 120 days of the end of the fiscal year ended December 31, 2019. Portions of such proxy
statement are incorporated by reference into Part III of this Annual Report on Form 10-K.

DOCUMENTS INCORPORATED BY REFERENCE

 
 
 
 
 
 
 
 
 
 
 
 
 
TABLE OF CONTENTS

Business

Risk Factors

Unresolved Staff Comments

Properties

Legal Proceedings

Mine Safety Disclosures

Market for Registrant's Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

Selected Financial Data

Management's Discussion and Analysis of Financial Condition and Results of Operations

Quantitative and Qualitative Disclosures About Market Risk

Financial Statements and Supplementary Data

Changes in and Disagreements with Accountants on Accounting and Financial Disclosure

Controls and Procedures

Other Information

Directors, Executive Officers and Corporate Governance

Executive Compensation

Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Certain Relationships and Related Transactions, and Director Independence

Principal Accounting Fees and Services

Exhibits, Financial Statement Schedules

Form 10-K Summary

SIGNATURES

PART I

Item 1

Item 1A

Item 1B

Item 2

Item 3

Item 4

PART II

Item 5

Item 6

Item 7

Item 7A

Item 8

Item 9

Item 9A

Item 9B

PART III

Item 10

Item 11

Item 12

Item 13

Item 14

PART IV

Item 15

Item 16

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PART I

Item 1. Business

Overview

Insulet  Corporation  (“we”  or  the  “Company”)  is  primarily  engaged  in  the  development,  manufacture  and  sale  of  its  proprietary  Omnipod®  System,  an
innovative, discreet and easy-to-use continuous insulin delivery system for people with insulin-dependent diabetes, which we have been selling since 2005.
The  Omnipod  System  consists  of  the  following:  the  Omnipod  Insulin  Management System  (“Omnipod”)  and  the  Omnipod  DASHTM Insulin  Management
System (“Omnipod DASH” or “DASH”), our next generation digital mobile Omnipod platform.

There are two primary types of insulin therapy practiced today: multiple daily injection (“MDI”) therapy using syringes or insulin pens; and pump therapy
using insulin pumps. Insulin pumps are used to perform continuous subcutaneous insulin infusion and typically use a programmable device and an infusion
set  to  administer  insulin  into  the  person’s  body.  Insulin  pump  therapy  has  been  shown  to  provide  people  with  insulin-dependent  diabetes  with  numerous
advantages relative to MDI therapy. We estimate that approximately one-third of the Type 1 diabetes population in the United States and even less of the Type
1 diabetes population outside the United States use insulin pump therapy. An even smaller portion of the Type 2 diabetes population in and outside of the
United States who are insulin-dependent use insulin pump therapy. We believe these factors present a significant available market for the Omnipod System
globally. The Omnipod System features two discreet and easy-to-use devices: a small, lightweight, self-adhesive disposable tubeless Omnipod device (“Pod”)
that is worn on the body for up to three days at a time, and its wireless companion, the handheld Personal Diabetes Manager (“PDM”). The Pod can be worn
in multiple locations, including the abdomen, hip, back of upper arm, upper thigh or lower back and, because it is waterproof, there is no need to remove it
when  showering,  swimming  or  performing  other  activities.  The  Omnipod  System  communicates  wirelessly,  provides  for  virtually  pain-free  automated
cannula insertion and eliminates the need for traditional MDI therapy or the use of traditional pump and tubing. We believe that the Omnipod System’s unique
proprietary design and features allow people with insulin-dependent diabetes to manage their diabetes with unprecedented freedom, comfort, convenience and
ease. Omnipod DASH, launched in 2019, features a secure Bluetooth enabled Pod and PDM with a color touch screen user interface supported by smartphone
connectivity.

In  addition  to  the  diabetes  market  space,  we  have  partnered  with  pharmaceutical  and  biotechnology  companies  to  tailor  the  Omnipod  System  technology
platform for the delivery of subcutaneous drugs across other therapeutic areas. Most of our drug delivery revenue consists of sales of Pods to Amgen for use
in  the  Neulasta®  Onpro®  kit,  an  innovative  delivery  system  for  Amgen’s  white  blood  cell  booster  to  help  reduce  the  risk  of  infection  after  intense
chemotherapy.

Market Opportunity: Management of Diabetes

Diabetes  is  a  chronic,  life-threatening  disease  for  which  there  is  no  known  cure.  It  is  caused  by  the  body’s  inability  to  produce  or  effectively  utilize  the
hormone  insulin,  which  prevents  the  body  from  adequately  regulating  blood  glucose  levels.  Glucose,  the  primary  source  of  energy  for  cells,  must  be
maintained at certain concentrations in the blood in order to permit optimal cell function and health. In people with diabetes, blood glucose levels fluctuate
between very high levels, a condition known as hyperglycemia, and very low levels, a condition called hypoglycemia. Hyperglycemia can lead to serious
short-term complications, such as confusion, vomiting, dehydration and loss of consciousness and long-term complications, such as blindness, kidney disease,
nervous system disease, occlusive vascular diseases, stroke and cardiovascular disease, or death. Hypoglycemia can lead to confusion, loss of consciousness
or death.

Diabetes is typically classified as either Type 1 or Type 2:

•

•

Type 1 diabetes is characterized by the body’s nearly complete inability to produce insulin. It is frequently diagnosed during childhood or adolescence.
Individuals with Type 1 diabetes require daily insulin therapy to survive. We estimate that three to four million people have Type 1 diabetes in the
countries we currently serve.

Type  2  diabetes,  the  more  common  form,  is  characterized  by  the  body’s  inability  to  either  properly  utilize  insulin  or  produce  enough  insulin.
Historically, Type 2 diabetes has occurred in later adulthood, but its incidence is increasing among the younger population, due primarily to increasing
obesity. Initially, many people with Type 2 diabetes attempt to manage their diabetes with improvements in diet, exercise and/or oral medications. As
their diabetes advances, some individuals progress to multiple drug therapies, which often include insulin therapy. We estimate that approximately five
to six million people have Type 2 diabetes in the countries we currently serve.

Throughout this Annual Report on Form 10-K, we refer to both Type 1 diabetes and insulin-requiring Type 2 diabetes as insulin-dependent diabetes.

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Diabetes Management Challenges

Diabetes is often frustrating and difficult for people to manage. Blood glucose levels can be affected by the carbohydrate and fat content of meals, exercise,
stress,  illness  or  impending  illness,  hormonal  releases,  variability  in  insulin  absorption  and  changes  in  the  effects  of  insulin  on  the  body.  For  people  with
insulin-dependent  diabetes,  many  corrections,  consisting  of  the  administration  of  additional  insulin  or  ingestion  of  additional  carbohydrates,  are  needed
throughout the day in order to maintain blood glucose levels within normal ranges. Achieving this result can be very difficult without multiple daily injections
of insulin or insulin pump therapy. Individuals with diabetes attempting to control their blood glucose levels tightly to prevent the long-term complications
associated  with  fluctuations  in  blood  glucose  levels  are  at  greater  risk  for  overcorrection  and  the  resultant  hypoglycemia.  As  a  result,  many  people  have
difficulty managing their diabetes. Additionally, the time spent managing fluctuations in blood glucose levels and the fear associated with hypoglycemia can
be incredibly stressful for individuals with diabetes and their families.

Current Insulin Therapy

People with insulin-dependent diabetes need a continuous supply of insulin, known as basal insulin, to provide for background metabolic needs. In addition to
basal insulin, people with insulin-dependent diabetes require supplemental insulin, known as bolus insulin, to compensate for carbohydrates ingested during
meals or snacks or for a high blood glucose level.

MDI therapy involves the administration of fast-acting insulin before meals (bolus) to lower blood glucose levels to a healthy range. MDI therapy may also
require a separate injection of a long-acting (basal) insulin, to control glucose levels between meals; typically, once or twice per day. By comparison, insulin
pump therapy uses only fast-acting insulin to fulfill both mealtime (bolus) and background (basal) requirements. Insulin pump therapy allows individuals to
customize their bolus and basal insulin doses to meet their insulin needs throughout the day and is intended to more closely resemble the physiologic function
of a healthy pancreas.

Insulin  pump  therapy  has  been  shown  to  provide  numerous  advantages  relative  to  MDI  therapy.  For  example,  insulin  pump  therapy  eliminates  individual
insulin injections (approximately five per day), delivers insulin more accurately and precisely than injections, often improves HbA1c (a common measure of
blood glucose levels) over time, provides greater flexibility with meals, exercise and daily schedules, and can reduce severe low blood glucose levels.

We  believe  that  these  distinct  advantages,  including  technological  advancements  and  increased  awareness  of  insulin  pump  therapy  as  compared  to  other
available insulin therapies will continue to generate demand for insulin pump devices.

Our Solution: The Omnipod System

The Omnipod System is an innovative continuous insulin delivery system that provides all the benefits of insulin pump therapy in a way no conventional
insulin pump can. The Omnipod System’s innovative design and differentiated features allow people with insulin-dependent diabetes to live their lives and
manage their diabetes, with unprecedented freedom, comfort, convenience and ease.

The Omnipod System is a discreet two-part design, the Pod and the PDM, that eliminates the need for the external tubing required with conventional pumps.

Pod

Omnipod PDM

Omnipod DASH PDM

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•

•

The  Pod  is  a  small,  lightweight,  self-adhesive  device  that  the  user  fills  with  insulin  and  wears  directly  on  the  body.  The  Pod  delivers  precise,
personalized doses of insulin into the body through a small flexible tube (called a cannula), based on instructions that the user programs into the
Pod’s wireless companion, the PDM.

The PDM is a wireless, handheld device that programs the Pod with the user’s personalized insulin-delivery instructions and, wirelessly monitors the
Pod’s operation.

The  Omnipod  System  provides  continuous  insulin  delivery  at  preset  rates,  eliminating  the  need  for  individual  insulin  injections  and  the  interruptions  that
come with them. In addition, insulin delivery can be changed with the press of a button to adapt to snacks or unexpected changes in daily routine.

The Omnipod System works much like the pancreas of a person without diabetes by delivering insulin in two ways:

•

•

A small, constant background supply of insulin is delivered automatically at a programmed rate, all day and night.

An extra dose of insulin can be delivered when needed to match the carbohydrates in a meal or snacks or to correct high blood glucose.

We have designed the Omnipod System to fit within the normal daily routines of users. The Omnipod System consists of just two devices as opposed to up to
seven for conventional tubed insulin pumps. As a result, the Omnipod System is easy to use, which reduces the training burden on healthcare professionals
and end-users. We believe that the Omnipod System’s overall ease of use, flexibility and substantially lower training burden make it very attractive to people
with  insulin-dependent  diabetes  and  helps  redefine  persons  for  whom  insulin  pump  therapy  is  appropriate,  allowing  healthcare  professionals  to  prescribe
pump therapy to a broader group of people with diabetes.

The Omnipod System’s unique patented design and proprietary manufacturing process allow us to provide pump therapy at a relatively low or no up-front
investment compared to conventional tubed insulin pumps. Our pricing model, which includes little or no initial investment, reduces the risk to third-party
payors of significant up-front investments commonly associated with traditional tubed insulin pumps.

Several publications over the past decade have found that compared to multiple daily injections therapy, the use of the Omnipod System by individuals with
both  Type  1  and  Type  2  diabetes  across  all  age  groups  is  associated  with  good  glycemic  control  and  reduced  frequency  and  severity  of  hypoglycemic
episodes. These results are consistent with other published literature of other continuous subcutaneous insulin infusion devices like the Omnipod System. In
addition,  research  in  adults  with  Type  1  diabetes  has  found  that  compared  to  prior  treatment  modality,  the  use  of  the  Omnipod  System  is  associated  with
improved quality of life. We believe that this data is clinically meaningful to healthcare providers and provides support for the use of the Omnipod System in
the treatment of both Type 1 and Type 2 diabetes.

We have partnered with Glooko Inc. (“Glooko”) to connect our Omnipod System user data with Glooko’s comprehensive diabetes data management system
(including  Glooko  and  Diasend  in  selected  regions).  Glooko  provides  a  cloud-based  application  for  clinicians  and  users  accessible  through  a  kiosk,  home
computer or a mobile application on the user’s smartphone that provides users and their health care providers access to insulin delivery trends, blood glucose
levels and other integrated data.

Third-Party Reimbursement

In  the  United  States,  our  products  are  sold  directly  to  wholesalers,  private  healthcare  organizations,  healthcare  facilities,  mail  order  pharmacies  and
independent  retailers.  These  entities,  and  the  Company  in  some  cases,  seek  reimbursement  from  health  insurance  companies  and/or  government
administrative payors. The Omnipod System is also marketed and sold through distributors, as well as marketed to physicians and consumers. Our products
are  subject  to  regulatory  changes  and  competition  in  technological  innovation,  price,  convenience  of  use,  service  and  product  performance.  Consumers
generally have commercial insurance, Medicare or Medicaid coverage that pays for the product.

In  Europe,  in  connection  with  of  our  assumption  of  direct  operations  in  2018,  we  have  worked  with  local  healthcare  systems  to  transition  coverage  and
payment processes for the Omnipod System as required. In certain non-U.S. locations in which we sell through a distributor or intermediary, our distribution
partners and local intermediaries establish appropriate reimbursement contracts with healthcare systems in those countries and provinces.

Markets and Distribution Methods

The Omnipod System is currently available in the United States, Canada and in certain countries in Europe and the Middle East. We sell the Omnipod System
directly to consumers, through distribution partners and most recently in the U.S. through the pharmacy channel. For the year ended December 31, 2019,
approximately 65% of our Omnipod System sales were through intermediaries.

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Revenue for customers comprising more than 10% of total revenue was as follows:

Amgen, Inc.

Ypsomed Distribution AG and affiliates

Cardinal Health Inc. and affiliates

* Represents less than 10% of revenue for the period.

Years Ended December 31,

2019

*

*

11%

2018

12%

*

12%

2017

15%

22%

11%

Our sales and marketing efforts are focused on customer retention and growing user, clinician and payor demand for the Omnipod System. We have a uniform
sales and marketing approach, aligned across users, physicians and providers, to capitalize on the unique benefits of our Omnipod System technology. We
have three areas of focus:

•

•

•

Build consumer awareness about the features and benefits that the Omnipod System provides.

Build  physician  support  by  increasing  the  clinical  evidence  that  demonstrates  the  benefits  that  the  Omnipod  System  provides  and  improving  the
monitoring data available to physicians providing diabetes care.

Provide payors with the clinical and economic justification for why the Omnipod System provides a unique value to the people whom they insure.

Training

We believe that training consumers how to use the Omnipod System is an important factor to promote successful outcomes and customer retention. We have
streamlined  and  standardized  our  training  by  developing  improved  online  resources  and  increased  our  field  clinician  team  to  directly  train  new  Omnipod
System users.

Customer Support

We  seek  to  provide  our  customers  with  high  quality  customer  support,  from  product  ordering  to  insurance  investigation,  order  fulfillment  and  ongoing
support. We have integrated our customer support systems with our sales, reimbursement and billing processes and offer support by telephone and through
our website to provide customers with seamless and reliable support.

Competition

The  diabetes  medical  device  market  is  highly  competitive,  subject  to  rapid  change  and  significantly  affected  by  new  product  introductions.  The  Omnipod
System competes for consumers in the insulin delivery market. Because most new Omnipod System end-users come from MDI therapy, which currently is the
most prevalent method of insulin delivery, we believe that we primarily compete with companies that provide products and supplies for MDI therapy. To a
smaller  extent,  we  also  compete  with  companies  in  the  insulin  pump  market,  which  today  consists  of  conventional  tubed  pump  companies,  including
Medtronic MiniMed, a division of Medtronic public limited company (“Medtronic”), and Tandem Diabetes Care Inc. (“Tandem”). In addition, we compete
with Roche Holdings Ltd. (“Roche”) and The Ypsomed Group (“Ypsomed”) outside the United States. Medtronic historically has held the majority share of
the  conventional  tubed  insulin  pump  market  in  the  United  States.  The  competitive  landscape  in  our  industry  continues  to  undergo  significant  change.  In
addition  to  the  established  insulin  pump  competitors,  several  companies  are  working  to  develop  and  market  new  insulin  pumps  and  smart  pens.  These
companies  are  at  various  stages  of  development  and  the  number  of  such  companies  often  changes  as  they  enter  or  exit  the  market.  Our  non-insulin  drug
delivery product line also competes with drug delivery device companies such as West Pharmaceutical Services, Inc.

Research and Development

Our research and development efforts are primarily focused on making improvements to the Omnipod System, including adding features and functionality
that will deliver economic value, convenience and simplicity to users, and improving our supply chain operations. These efforts include:

Omnipod HorizonTM Automated Insulin Delivery System (“Omnipod Horizon”)

We are developing an automated insulin delivery system that utilizes the DASH mobile platform to allow the Pod, our automated insulin delivery algorithm
located on the Pod and the glucose sensor values obtained directly from a third party’s continuous glucose monitor to predict glucose levels into the future and
automatically adjust the insulin dose required to help reduce the occurrence of blood glucose highs and lows. We plan to launch Omnipod Horizon with a
continuous  glucose  monitor  manufactured  by  Dexcom,  Inc.;  however,  we  have  signed  a  development  agreement  to  integrate  Abbott  Diabetes  Care,  Inc.’s
continuous glucose monitor in the future. Omnipod Horizon is intended to be controllable through a secure mobile app on the user’s smartphone (i.e.

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“phone control”). In July 2018, we announced positive results from a clinical trial finding that Omnipod Horizon performed well and was safe for over five
days  of  use  in  adults,  adolescents  and  children  with  Type  1  diabetes  and  in  December  2019,  we  began  patient  enrollment  in  our  pivotal  trial.  Omnipod
Horizon was granted designation in the U.S. Food and Drug Administration’s (“FDA”) breakthrough device program, which is a program intended to help
people have more timely access to certain medical devices and device-led combination products that provide for more effective treatment or diagnosis of life-
threatening  or  irreversibly  debilitating  diseases  or  conditions  by  expediting  the  development  and  review  process.  We  believe  that  recent  and  ongoing
developments in the use of Continuous Glucose Monitoring technology and Automated Insulin Delivery algorithms in conjunction with insulin pump therapy
will continue to provide people with insulin-dependent diabetes benefits that will make insulin pump therapy an even more attractive treatment alternative to
existing MDI therapy.

Paramount to our ability to deliver phone control is our commitment to cyber and information security. Omnipod DASH is the first FDA-cleared insulin pump
certified under the Diabetes Technology Society’s “Standard for Wireless Diabetes Device Security” cybersecurity assurance standard and program, known as
DTSec. This certification is a cybersecurity standard intended to raise confidence in the security of network connected medical devices through independent
expert evaluation. In addition, Omnipod DASH is International Standards Organization (“ISO”) 27001 certified, which is the international standard for best
practice in an information security management system globally. With the DTSec and ISO 27001 certifications, Omnipod DASH is globally recognized for
incorporating the highest standards for cyber and information security and safety, including secure data transfer between the Pod and PDM, as well as secure
cloud storage.

Manufacturing and Quality Assurance

We  believe  a  key  contributing  factor  to  the  overall  attractiveness  and  success  of  the  Omnipod  System  is  the  disposable  nature  of  the  Pod.  In  order  to
manufacture  sufficient  volumes  and  achieve  a  cost-effective  per  unit  production  price  for  the  Omnipod,  we  have  designed  the  Omnipod  System  to  be
manufactured through automation.

During 2019, we began producing product from our new highly automated manufacturing facility in Acton, Massachusetts. We expect that, following start up
related activities, the new facility will allow us to lower our manufacturing costs, increase supply redundancy, add capacity closer to our North American
customer base and support growth. To date, we have invested approximately $320 million in property, equipment and infrastructure related to the new facility.
We expect to continue to expand our investment in this facility in 2020 to support the growth of our business.

We also continue to produce our devices on varying degrees of semi-automated manufacturing lines at a facility in China, operated by a subsidiary of Flex
Ltd. (“Flex”) pursuant to a multi-year materials supply agreement. The agreement expires in December 2022 and is subject to an automatic renewal thereafter,
unless otherwise canceled by the parties under the contract terms.

We  continue  to  invest  in  improvements  and  efficiencies  to  our  entire  supply  chain,  including  improvements  in  automation  at  our  suppliers  and  contract
manufacturer.

Raw Materials

We use a diverse and broad range of raw materials in the assembly and manufacturing of the Omnipod System. We purchase all our raw materials and select
components used in the manufacturing of our products from external suppliers. In addition, we purchase some supplies from a single or limited number of
sources for reasons of proprietary know-how, quality assurance, cost-effectiveness, or constraints resulting from regulatory requirements. We work closely
with our suppliers to ensure continuity of supply while maintaining high quality and reliability.

We rely on a limited number of suppliers for certain of the components and sub-assemblies used in the manufacture of the Omnipod System, including with
respect to application-specific integrated circuit chips, bluetooth low-energy chips and other specialized parts. The design of certain of these components and
sub-assemblies (including, in some instances, the raw materials used to manufacture the same) is proprietary and the intellectual property rights with respect
thereto may be owned exclusively by one party. Where such ownership exists, we are sole sourced with the supplier controlling such intellectual property
rights. These sole sourced components are critical to the design and functionality of the Omnipod System. In the case of sole sourced parts, we manage risk
through holding inventory ourselves and at the supplier to ensure continuity of supply and low risk of disruption. We purchase other components and sub-
assemblies from manufacturers with whom we are at least dual sourced.

Quality Assurance

We utilize outside vendors for the supply of components, sub-assemblies and various services used in the manufacture of the Omnipod System. Our outside
vendors produce the components to our specifications, and they are audited periodically by our Quality Assurance Department to confirm conformity with the
specifications, policies and procedures for the Omnipod System. Our Quality Assurance Department also inspects and tests the Omnipod System at various
steps in the manufacturing cycle to

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facilitate  compliance  with  our  specifications.  We  have  received  approval  of  our  Quality  Management  System  from  the  BSI  Group  London,  U.K.,  an
accredited Notified Body for CE Marking and the ISO. Processes utilized in the manufacture, test and release of the Omnipod System have been verified and
validated as required by the FDA and other regulatory bodies. As a medical device manufacturer and distributor, our manufacturing facilities and the facilities
of our suppliers are subject to periodic inspection by the FDA and certain corresponding state agencies.

Intellectual Property

To  maintain  a  competitive  advantage,  we  believe  we  must  develop  and  preserve  the  proprietary  aspect  of  our  technologies.  We  rely  on  a  combination  of
copyright, patent, trademark, trade secret and other intellectual property laws, non-disclosure agreements and other measures to protect our proprietary rights.
We  require  our  employees,  consultants  and  advisers  to  execute  non-disclosure  agreements  in  connection  with  their  employment,  consulting  or  advisory
relationships with us, where appropriate. We also require employees, consultants and advisers who work on our products to agree to disclose and assign to us
all inventions conceived during their work with us that are developed using our property or relate to our business. Despite any measures taken to protect our
intellectual property, unauthorized parties may attempt to copy aspects of the Omnipod System or to obtain and use information that we regard as proprietary.

Patents

As of December 31, 2019, we had over 200 patents in the United States and in certain other countries, with expiration dates ranging from 2021 through 2042,
and had over 100 patent applications pending. The issued patents and pending patent applications cover, among other things:

•

•

•

•

•

•

the basic architecture of the Omnipod System, including the pump and the PDM;

the Omnipod shape memory alloy drive system;

the Omnipod System cannula insertion system; 

communication features between system components for the Omnipod System and next generation products;

software, such as apps, for controlling the Omnipod System and next generation products; and

various  novel  aspects  of  the  Omnipod  System,  potential  future  generations  of  Omnipod  Systems,  and  other  mechanisms  for  the  delivery  of
pharmaceuticals.

Trademarks 

We have registered various trademarks associated with our business with the United States Patent and Trademark Office on the Principal Register and in other
appropriate jurisdictions. Our trademarks include OMNIPOD®, DASHTM, Omnipod CONTROLTM, Omnipod DISPLAYTM, Omnipod VIEWTM, OMNIPOD
U-200TM, OMNIPOD U-500TM, HORIZONTM, Pod PalsTM and PodderTM.

Government Regulation

United States FDA Regulation

The Omnipod System is a medical device subject to extensive and ongoing regulation by the FDA and other federal, state, and local regulatory bodies. FDA
regulations govern, among other things, product design and development, preclinical and clinical testing, manufacturing, labeling, product storage, pre-market
clearance or approval, advertising and promotion, sales and distribution, post-market adverse event reporting, post-market surveillance, complaint handling,
repair or recall of products and record keeping.

FDA’s Pre-Market Notification 510(k) and Pre-Market Approval Requirements.  Unless an exemption applies, each medical device we seek to commercially
distribute in the United States will require either prior 510(k) clearance or pre-market approval (“PMA”) from the FDA. We have obtained 510(k) clearance
for the Omnipod and Omnipod DASH Systems and expect that PMA approval may be needed for some of our future products. We may be required to obtain
a new 510(k) clearance or pre-market approval for significant post-market modifications to our products. Both the 510(k) clearance and PMA processes can
be expensive and lengthy and entail significant user fees, unless an exemption is available.

510(k) Clearance. To obtain 510(k) clearance for any of our potential future devices (or for certain modifications to devices that have previously received
510(k) clearance), we must submit a pre-market notification demonstrating that the proposed device is substantially equivalent to a previously cleared 510(k)
device.  The  FDA’s  510(k)  clearance  pathway  generally  takes  three  to  twelve  months  from  the  date  the  application  is  completed  but  can  take  significantly
longer. After a medical device receives 510(k) clearance, any modification that could significantly affect its safety or effectiveness, or that would constitute a
significant change in its intended use, requires a new 510(k) clearance or, depending on the modification, could require a PMA application. The FDA requires
each manufacturer to make this determination initially, but the FDA can review any such decision and can disagree with a manufacturer’s determination. If
the FDA disagrees with a manufacturer’s determination regarding whether a new pre-market

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submission is required for the modification of an existing device, the FDA can, at its discretion, require the manufacturer to cease marketing and/or recall the
modified device until 510(k) clearance or PMA is obtained. In addition, in these circumstances, we may be subject to significant regulatory fines or penalties
for failure to submit the requisite 510(k) or PMA application(s).

PMA.  Devices  deemed  by  the  FDA  to  pose  the  greatest  risk,  such  as  life-sustaining,  life-supporting  or  implantable  devices,  and  devices  deemed  not
substantially equivalent to a previously cleared 510(k) device generally require a PMA before they can be commercially distributed. A PMA application must
be supported by extensive data, including technical information, pre-clinical and clinical trials, manufacturing information and labeling, to demonstrate the
safety and effectiveness of the device to the FDA’s satisfaction. After a PMA application is complete, the FDA begins an in-depth review of the submitted
information, which generally takes between one and three years, but may take significantly longer. During this review period, the FDA may request additional
information  or  clarification  of  information  already  provided.  Also,  during  the  review  period,  an  advisory  panel  of  experts  from  outside  the  FDA  may  be
convened to review and evaluate the application and provide recommendations to the FDA as to the approvability of the device. The FDA conducts a pre-
approval  inspection  of  the  manufacturing  facility  to  ensure  compliance  with  Quality  System  Regulations  (“QSR”),  which  impose  elaborate  design
development, testing, control, documentation and other quality assurance procedures in the design and manufacturing process. The FDA may approve a PMA
application with post-approval conditions intended to ensure the safety and effectiveness of the device including, among other things, restrictions on labeling,
promotion, sale and distribution, and collection of long-term follow-up data from people in the clinical study that supported approval. Failure to comply with
the conditions of approval can result in materially adverse enforcement action, including the loss or withdrawal of the approval. After pre-market approval, a
new  pre-market  approval  application  or  application  supplement  may  be  required  in  the  event  of  modifications  to  the  device,  its  labeling,  intended  use  or
indication or its manufacturing process. PMA supplements often require submission of the same type of information as a PMA application, except that the
supplement  is  limited  to  information  needed  to  support  any  changes  from  the  device  covered  by  the  original  PMA  application,  and  may  not  require  as
extensive clinical data or the convening of an advisory panel.

Clinical Trials. Clinical trials are almost always required to support a PMA application and may also be required to support 510(k) submissions. If the device
presents  a  “significant  risk”  to  human  health  as  defined  by  the  FDA,  the  FDA  requires  the  device  sponsor  to  submit  an  investigational  device  exemption
(“IDE”) to the FDA and obtain IDE approval prior to commencing the human clinical trials. The IDE must be supported by appropriate data, such as animal
and  laboratory  testing  results,  showing  that  it  is  safe  to  test  the  device  in  humans  and  that  the  testing  protocol  is  scientifically  sound.  The  IDE  must  be
approved in advance by the FDA for a specified number of people, unless the product is deemed a “non-significant risk” device, in which case IDE approval
from  the  FDA  would  not  be  required,  although  the  clinical  trial  would  need  to  meet  other  requirements  including  Institutional  Review  Board  (“IRB”)
approval. Clinical trials for a significant risk device may begin once an IDE is approved by the FDA and the appropriate IRB at each clinical trial site.

Our clinical trials must be conducted in accordance with FDA regulations and federal and state regulations concerning human subject protection, including
informed  consent  and  healthcare  privacy.  A  clinical  trial  may  be  suspended  by  the  FDA  or  at  a  specific  site  by  the  relevant  IRB  at  any  time  for  various
reasons, including a belief that the risks to the trial participants outweigh the benefits of participation in the clinical trial. Even if a clinical trial is completed,
the results of our clinical testing may not demonstrate the safety and efficacy of the device or may be equivocal or otherwise not be sufficient for us to obtain
approval of our product.

Ongoing  Regulation  by  the  FDA.    After  a  device  is  placed  on  the  market,  regardless  of  its  classification  or  premarket  pathway,  numerous  regulatory
requirements apply. These include, but are not limited to:

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establishment registration and device listing;

QSR,  which  requires  manufacturers,  including  third  party  manufacturers,  to  follow  stringent  design,  testing,  control,  documentation  and  other
quality assurance procedures during the development and manufacturing process;

labeling  regulations  and  FDA  prohibitions  against  the  promotion  of  products  for  uncleared,  unapproved  or  “off-label”  uses,  and  other
requirements related to promotional activities;

medical  device  reporting  regulations,  which  require  that  manufacturers  report  to  the  FDA  if  their  device  may  have  caused  or  contributed  to  a
death or serious injury or malfunctioned in a way that would likely cause or contribute to a death or serious injury if the malfunction were to
recur;

corrections  and  removals  reporting  regulations,  which  require  that  manufacturers  report  to  the  FDA  field  corrections  and  product  recalls  or
removals if undertaken to reduce a risk to health posed by the device or to remedy a violation of the federal Food, Drug and Cosmetic Act that
may present a risk to health. In addition, the FDA may order a mandatory recall if there is a reasonable probability that the device would cause
serious adverse health consequences or death; and

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post-market surveillance regulations, which apply when necessary to protect the public health or to provide additional safety and efficacy data for
the device.

Failure to comply with applicable regulatory requirements can result in enforcement actions by the FDA and other regulatory agencies, which may include
any of the following sanctions: untitled letters or warning letters, fines, injunctions, consent decrees, civil or criminal penalties, recall or seizure of our current
or future products, operating restrictions, partial suspension or total shutdown of production, refusal of or delay in granting 510(k) clearance or PMA of new
products or modified products, rescinding previously granted 510(k) clearances or withdrawing previously granted PMAs, or refusal to grant import or export
approval of our products.

We are subject to announced and unannounced inspections by the FDA, and these inspections may include the manufacturing facilities of our subcontractors.
If, as a result of these inspections, the FDA determines that our equipment, facilities, laboratories or processes do not comply with applicable FDA regulations
and conditions of product approval, the FDA may seek civil, criminal or administrative sanctions and/or remedies against us, including the suspension of our
manufacturing operations. Since approval of the Omnipod System, we have been subject to FDA inspections of our facility on multiple occasions.

International Product Regulations

International sales of medical devices are subject to foreign government regulations, which may vary substantially from country to country. The time required
to obtain approval by a foreign country may be longer or shorter than that required for FDA clearance or approval, and the requirements may differ. There is a
trend towards harmonization of quality system standards among the European Union, United States, Canada and various other industrialized countries.

The  primary  regulatory  body  in  Europe  is  that  of  the  European  Union,  which  includes  most  of  the  major  countries  in  Europe.  Other  countries,  such  as
Switzerland, have voluntarily adopted laws and regulations that mirror those of the European Union with respect to medical devices. The European Union has
adopted  numerous  directives  and  standards  regulating  the  design,  manufacture,  clinical  trials,  labeling  and  adverse  event  reporting  for  medical  devices,
including the Medical Device Directive (“MDD”) and the Medical Device Regulation (“MDR”), which will replace MDD in May 2020. Devices that comply
with  the  requirements  of  a  relevant  directive  will  be  entitled  to  bear  the  CE  conformity  marking,  indicating  that  the  device  conforms  to  the  essential
requirements of the applicable directives and, accordingly, can be commercially distributed throughout Europe. The method of assessing conformity varies
depending  on  the  class  of  the  product,  but  normally  involves  a  combination  of  self-assessment  by  the  manufacturer  and  a  third-party  assessment  by  a
“Notified Body.” This third-party assessment may consist of an audit of the manufacturer’s quality system and specific testing of the manufacturer’s product.
An  assessment  by  a  Notified  Body  of  one  country  within  the  European  Union  is  required  for  a  manufacturer  to  commercially  distribute  the  product
throughout the European Union. Outside of the European Union, regulatory approval needs to be sought on a country-by-country basis for us to market our
products.

We  have  obtained  the  right  to  affix  the  CE  Mark  to  the  Omnipod  and  Omnipod  DASH  Systems.  The  CE  Mark  gives  us  authorization  to  distribute  these
products throughout the European Union and in other countries that recognize the CE Mark. We have been distributing the Omnipod in certain countries in
Europe through intermediaries or directly to end-users since 2010 and have been distributing Omnipod throughout Canada since receiving Health Canada
approval in 2009.

Other Regulations

Licensure. Several states require that durable medical equipment (“DME”) providers be licensed in order to sell products in that state. Certain of these states
require, among other things, that DME providers maintain an in-state location. In order to sell our product through the pharmacy channel in the United States,
we are required to work with intermediaries who have the appropriate pharmacy license for the applicable market in which we provide consumers with access
to our product through the pharmacy.

In addition, we are subject to certain state laws regarding professional licensure. We believe that our certified diabetes educators are in compliance with all
such  state  laws.  However,  if  our  educators  or  we  were  to  be  found  non-compliant,  we  may  need  to  modify  our  approach  to  providing  education,  clinical
support and customer service.

Federal Anti-Kickback and Self-Referral Laws.  The federal healthcare Anti-Kickback Statute prohibits the knowing and willful offer, payment, solicitation or
receipt of any form of remuneration (anything of value) in return for, or to induce:

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the referral of an individual;

furnishing or arranging for the furnishing of items or services reimbursable under Medicare, Medicaid or other federal health care programs; or

the  purchase,  lease,  or  order  of,  or  the  arrangement  or  recommendation  of  the  purchasing,  leasing,  or  ordering  of,  any  item  or  service
reimbursable under Medicare, Medicaid or other federal health care programs.

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The federal Anti-Kickback Statute has been interpreted to apply to arrangements between drug and medical device manufacturers and suppliers on one hand
and prescribers, patients, purchasers and formulary managers on the other. Liability under the statute may be established without a person or entity having
actual knowledge of the statute or specific intent to violate it. In addition, claims resulting from a violation of the federal Anti-Kickback Statute constitute
false or fraudulent claims for purposes of the federal civil False Claims Act, which is addressed below. Although there are a number of statutory exemptions
and regulatory safe harbors protecting certain common business practices from prosecution and administrative sanctions, the exemptions and safe harbors are
drawn narrowly, and practices that involve remuneration that may be perceived as inducing the prescription, purchase, or recommendation of the Omnipod
System may be subject to scrutiny under the law. For example, we provide the initial training to users necessary for appropriate use of the Omnipod System
either through our own diabetes educators or by contracting with outside diabetes educators that have completed a Certified Pod Trainer training course. We
compensate outside diabetes educators for their services at contracted rates deemed to be consistent with the market. We have structured our arrangements
with diabetes educators and other business practices to comply with statutory exemptions and regulatory safe harbors whenever possible, but our practices
may be subject to scrutiny if they fail to strictly comply with the criteria in the exemption or regulatory safe harbor. Moreover, there are no safe harbors for
many  common  practices  such  as  providing  reimbursement  assistance,  coding  and  billing  information  or  other  customer  assistance  and  product  support
programs. If any of our practices, arrangements or programs are found not to be in compliance with the federal Anti-Kickback Statute, we could be subject to
significant  criminal,  civil  and  administrative  penalties,  including  imprisonment,  fines,  damages,  and  exclusion  from  Medicare,  Medicaid  or  other
governmental programs, any of which could have a material adverse effect on our business and results of operations.

Federal law also includes a provision commonly known as the “Stark Law,” which prohibits a physician from referring Medicare or Medicaid patients to an
entity for the furnishing of certain “designated health services,” including durable medical equipment, in which the physician has an ownership or investment
interest or with which the physician has entered into a compensation arrangement. Violation of the Stark Law could result in denial of payment, disgorgement
of reimbursements received for items and services referred by a physician with a noncompliant arrangement, civil damages and penalties, and exclusion from
Medicare, Medicaid or other governmental programs. Although there are a number of statutory and regulatory exceptions protecting certain common business
practices implicating the Stark Law, and we have structured our arrangements with physicians and other providers to comply with these exceptions, these
arrangements may not expressly meet the requirements for applicable exceptions from the law.

Federal  Civil  False  Claims  Act.    The  federal  civil  False  Claims  Act  imposes  penalties  against  any  person  or  entity  who,  among  other  things,  knowingly
presents, or causes to be presented, a false or fraudulent claim for payment of government funds or knowingly making, using or causing to be made or used a
false record or statement material to a false or fraudulent claim. Actions under the False Claims Act may be brought by the Attorney General or as a qui tam
action  by  a  private  individual  in  the  name  of  the  government.  Violations  of  the  False  Claims  Act  are  subject  to  the  imposition  of  significant  per  claim
penalties, three times the amount of damages that the federal government sustained and possible exclusion from participation in federal health care programs
like Medicare and Medicaid. We believe that we are in compliance with the federal government’s laws and regulations concerning the filing of claims for
reimbursement. However, many drug and medical device manufacturers have been investigated or subject to lawsuits by whistleblowers and have reached
substantial  financial  settlements  with  the  federal  government  under  the  False  Claims  Act  for  a  variety  of  alleged  improper  marketing  activities,  including
providing free product to customers with the expectation that the customers would bill federal programs for the product; or causing submission of false claims
by providing inaccurate coding or billing information to actual or prospective purchasers. Our business practices could be subject to scrutiny and enforcement
under the federal False Claims Act. We also may be subject to other federal false claim laws, including federal criminal statutes that prohibit making a false
statement to the federal government.

Civil Monetary Penalties Law.  We are subject to the federal Civil Monetary Penalties Law, which prohibits, among other things, the offering or transferring
of remuneration to a Medicare or Medicaid beneficiary that the person knows or should know is likely to influence the beneficiary’s selection of a particular
supplier  of  Medicare  or  Medicaid  payable  items  or  services.  Noncompliance  can  result  in  significant  civil  monetary  penalties  for  each  wrongful  act,
assessment of three times the amount claimed for each item or service and exclusion from the federal healthcare programs.

Federal Health Care Fraud Statutes. We are also subject to a federal health care fraud statute that, among other things, imposes criminal and civil liability for
executing  a  scheme  to  defraud  any  health  care  benefit  program  including  non-governmental  programs,  and  prohibits  knowingly  and  willfully  falsifying,
concealing or covering up a material fact or making any materially false or fraudulent statement or representation, or making or using any false writing or
document with knowledge that it contains a materially false or fraudulent statement in connection with the delivery of or payment for health care benefits,
items or services. Violations of these statutes can result in significant civil, criminal and administrative penalties, fines, damages, and exclusion from federal
health care programs.

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State  Fraud  and  Abuse  Laws  and  Marketing  Restrictions.    Many  states  have  also  adopted  anti-kickback,  anti-referral  laws,  and  false  claims  laws  and
regulations analogous to the federal civil Anti-Kickback Statute and federal False Claims Act. In some cases, these state laws apply regardless of the payor,
including private payors. We believe that we are in conformance with such laws. Moreover, several states have imposed requirements to disclose payments to
health care providers, restrictions on marketing and other expenditures, and requirements to adopt a code of conduct or compliance program with specific
elements. Liability under such laws could result in fines and penalties and restrictions on our ability to operate in these jurisdictions.

Administrative Simplification of the Health Insurance Portability and Accountability Act of 1996.  The Health Insurance Portability and Accountability Act of
1996 (“HIPAA”) mandated the adoption of standards for the exchange of electronic health information to encourage overall administrative simplification and
enhance the effectiveness and efficiency of the healthcare industry. Ensuring privacy and security of patient information is one of the key factors driving the
legislation. If we are found to be in violation of HIPAA, we could be subject to civil or criminal penalties.

General  Data  Protection  Regulation. The  General  Data  Protection  Regulation  (“GDPR”)  is  a  comprehensive  update  to  the  data  protection  regime  in  the
European Economic Area that imposes requirements relating to, among other things, consent to process personal data of individuals, the information provided
to individuals regarding the processing of their personal data, the security and confidentiality of personal data, notifications in the event of data breaches and
use  of  third  party  processors.  If  we  fail  to  comply  with  these  standards,  we  could  be  subject  to  criminal  penalties  and  civil  sanctions,  including  fines  and
penalties for noncompliance.

California Consumer Privacy Act. The  California  Consumer  Privacy  Act  (“CCPA”)  is  a  consumer  privacy  law,  which  provides  certain  privacy  rights  and
consumer  protection  for  residents  of  the  state  of  California  that  became  effective  in  January  2020.  These  consumer  rights  include  the  right  to  know  what
personal information is collected, the right to know whether the data is sold or disclosed and to whom, the right to request a company to the delete personal
information collected, the right to opt-out of the sale of personal information and the right to non-discrimination in terms of price or service when a consumer
exercises a privacy right. If we fail to comply with these regulations, we could be subject to civil sanctions, including fines and penalties for noncompliance.

Patient Protection and Affordable Care Act.  The Patient Protection and Affordable Care Act as amended by the Health Care and Education Reconciliation
Act of 2010 (“ACA”) enacted significant changes to the provision of and payment for healthcare in the United States. Under the ACA and related laws and
regulations, federal and state government initiatives are focused on limiting the growth of healthcare costs and implementing changes to healthcare delivery
structures. These reforms are intended in part to put increased emphasis on the delivery to patients of more cost-effective therapies and could adversely affect
our business. Some of the provisions of the ACA have yet to be fully implemented, and certain provisions have been subject to judicial and Congressional
challenges. In addition, there have been efforts to repeal or replace certain aspects of the ACA and to alter the implementation of the ACA and related laws. It
is unclear how the ACA and its implementation, as well as efforts to repeal or replace, or invalidate, the ACA, or portions thereof, will affect our business.
Additional legislative changes, regulatory changes, and judicial challenges related to the ACA remain possible. While some uncertainty exists regarding the
future aspects of the ACA, we expect that the ACA will continue to have a significant impact on the delivery of healthcare in the United States and on our
business in the near term.

Physician Payments Sunshine Act.  The Physician Payments Sunshine Act, implemented as the Open Payments program, requires manufacturers of drugs and
devices for which payment is available under Medicare, Medicaid, or the Children’s Health Insurance Program (with certain exceptions) to report annually to
the Centers for Medicare & Medicaid Services (“CMS”) information related to direct or indirect payments and other transfers of value provided to physicians
and teaching hospitals, as well as ownership and investment interests held by physician and their immediate family members. Beginning in 2022, applicable
manufacturers  also  will  be  required  to  report  information  regarding  payments  and  transfers  of  value  provided  to  physician  assistants,  nurse  practitioners,
clinical nurse specialists, certified nurse anesthetists and certified nurse-midwives. Our failure to disclose reportable payments could subject us to penalties
and materially adversely impact our business and financial results.

As these laws and regulations continue to evolve, we lack definitive guidance as to the application of certain key aspects of these laws and regulations as they
relate to certain of our arrangements and programs, including those with providers with respect to user training. We cannot predict the final form of these
federal and state regulations or the effect their application will have on us. As a result, our provider and training arrangements may ultimately be found not to
be in compliance with applicable federal law. Moreover, these laws continue to evolve. The Bipartisan Budget Act of 2018 increased the criminal and civil
penalties  that  can  be  imposed  for  violating  certain  federal  health  care  laws,  including  the  Anti‑Kickback  Statute.  Additionally,  in  2019,  the  United  States
Department  of  Health  and  Human  Services’  Office  of  the  Inspector  General  (“OIG”)  issued  a  proposed  rule  to  remove  protection  from  the  discount  safe
harbor  to  the  federal  healthcare  Anti-Kickback  Statute  for  manufacturers  rebates  to  pharmacy  benefit  managers  (or  “PBMs”),  Medicare  Part  D  plans  and
Medicaid managed care organizations (“MCOs”). The rule also proposes a new safe harbor for point-of sale-reductions offered by manufacturers to Part D
plans, Medicaid MCOs and their PBMs, and a

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new  safe  harbor  for  certain  fees  manufacturers  pay  to  PBMs  for  services  to  the  manufacturers.  If  finalized,  the  rule  will  be  one  of  the  most  significant
amendments to the Anti-Kickback Statute regulatory safe harbors in decades and likely will transform manufacturer interactions with Part D plans, Medicaid
MCOs and their PBMs.

Ensuring  that  our  business  arrangements  and  interactions  with  healthcare  professionals,  third‑party  payors,  customers  and  others  comply  with  applicable
healthcare laws and regulations requires substantial resources. Because of the breadth of these laws and the narrowness of the exceptions or safe harbors, it is
possible that some of our business activities could be subject to challenge under one or more of these laws. Such a challenge could have a material adverse
effect on our business, financial condition and results of operations. Even if we are not found to have violated the law, responding to lawsuits, government
investigations or enforcement actions, defending any claims raised, and paying any resulting settlement amounts would be expensive and time-consuming,
and could have a material adverse effect on our reputation and business operations.

U.S. Foreign Corrupt Practices Act (“FCPA”). We are also subject to FCPA and similar anti-bribery laws in non-U.S. jurisdictions, which generally prohibit
companies and their intermediaries from making improper payments to non-U.S. officials for the purpose of obtaining or retaining business. Because of the
predominance  of  government-sponsored  healthcare  systems  around  the  world,  our  customer  relationships  outside  of  the  United  States  may  be  with
governmental  entities  and  therefore  subject  to  such  anti-bribery  laws.  Our  policies  mandate  compliance  with  these  anti-bribery  laws.  We  operate  in  many
parts of the world that have experienced governmental corruption to some degree, and in certain circumstances strict compliance with anti-bribery laws may
conflict with local customs and practices. Despite our training and compliance programs, our internal control policies and procedures may not protect us from
reckless or criminal acts committed by our employees or agents.

Employees

As of December 31, 2019, we had 1,350 full-time employees.

Company Information

Insulet  Corporation  is  a  Delaware  corporation  formed  in  2000.  Our  principal  office  is  located  at  100  Nagog  Park,  Acton,  Massachusetts,  01720  and  our
website address is http://www.insulet.com. We make available free of charge on our website our annual reports on Form 10-K, quarterly reports on Form 10-
Q, current reports on Form 8-K, proxy statements and amendments to those reports as soon as reasonably practicable after we electronically file or furnish
such  materials  to  the  U.S.  Securities  and  Exchange  Commission  (“SEC”).  We  have  also  posted  the  charters  for  our  Audit  Committee,  Compensation
Committee  and  Nominating,  Governance  and  Risk  Committee,  as  well  as  our  Code  of  Business  Conduct  and  Ethics,  under  the  heading  “Corporate
Governance”  in  the  Investors  section  of  our  website.  The  information  on  our  website  is  not  incorporated  in  this  report  by  reference.  In  addition,  the  SEC
maintains  a  website  (http//www.sec.gov)  that  contains  reports,  proxy  and  information  statements,  and  other  information  regarding  issuers  that  file
electronically with the SEC.

Item 1A. Risk Factors

Risks Relating to Our Business

Although we achieved profitability in 2018, we previously incurred significant losses since inception and cannot assure you that we will sustain
profitability.

Prior to 2018 and since our inception in 2000, we incurred significant losses. Our losses from continuing operations for the years ended December 31, 2017,
2016 and 2015 were $26.8 million, $27.2 million and $61.6 million, respectively. The extent of any future losses and the timing of profitability are uncertain,
and we may not sustain profitability. As of December 31, 2019, we had an accumulated deficit of $672.0 million.

We may experience significant fluctuations in our quarterly results of operations.

The fluctuations in our quarterly results of operations have resulted, and may continue to result, from numerous factors, including:

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delays in shipping due to capacity constraints;

practices of health insurance companies and other third-party payors with respect to reimbursement for our current or future products;

market acceptance of our products;

our ability to manufacture our products efficiently, or at all;

transitions in our distribution channel;

timing of regulatory approvals and clearances;

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new product introductions;

competition; and

timing of research and development expenditures.

These factors, some of which are not within our control, may cause the price of our stock to fluctuate substantially. If our quarterly results of operations fail to
meet  or  exceed  the  expectations  of  securities  analysts  or  investors,  our  stock  price  could  drop  suddenly  and  significantly.  We  believe  the  quarterly
comparisons of our financial results should not be the only indication of our future performance.

We currently rely on sales of the Omnipod System, and tailored versions of the Omnipod System in our drug delivery product line, to generate nearly all
our revenue. The failure of the Omnipod System to achieve and maintain significant market acceptance or any factors that negatively impact sales of this
product will adversely affect our business, financial condition and results of operations.

Our main product is the Omnipod System, which we introduced to the market in 2005. We expect to continue to derive nearly all our revenue from the sale of
this product. Accordingly, our ability to continue to generate revenue is highly reliant on our ability to market and sell the Omnipod System and to retain
consumers who currently use the product. Our sales of the Omnipod System may be negatively impacted by many factors, including:

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the failure of the Omnipod System to achieve and maintain wide acceptance among opinion leaders in the diabetes treatment community, insulin-
prescribing physicians, third-party payors and people with insulin-dependent diabetes;

manufacturing problems or capacity constraints;

actual or perceived quality problems;

reductions in reimbursement rates or coverage policies relating to the Omnipod System by third-party payors;

claims that any portion of the Omnipod System infringes on patent rights or other intellectual property rights owned by other parties;

adverse regulatory or legal actions relating to the Omnipod System;

damage,  destruction  or  loss  of  any  of  the  facilities  where  our  products  are  manufactured  or  stored  or  of  the  equipment  therein  or  failure  to
successfully open or expand new facilities;

conversion rate of referrals to actual sales of the Omnipod System;

the inability of users to continue paying for our products;

attrition rates of consumers who cease using the Omnipod System;

competitive pricing and related factors; and

results of clinical studies relating to the Omnipod System or our competitors’ products.

If any of these events occurs, our ability to generate revenue could be significantly reduced.

Our ability to sustain profitability may depend on our ability to sustain or further reduce the per unit cost of producing the Omnipod System by increasing
customer orders, increasing manufacturing volume and productivity and reducing raw material and overhead costs per unit.

To sustain profitability, we may need to, among other things, sustain or further reduce the per unit cost of the Omnipod System. If we are unable to sustain or
further reduce raw material and manufacturing overhead costs through volume purchase discounts, negotiation of improved pricing and increased productivity
and production capacity, our ability to sustain profitability could be negatively affected. The occurrence of one or more factors that negatively impact the
manufacturing or sales of the Omnipod System or increase our raw material costs could prevent us from sustaining our desired increase in manufacturing
volume, which would prevent us from sustaining and further increasing profitability.

Adverse changes in general economic conditions in the United States and outside of the United States, predominantly in Europe, could adversely affect
us.

We  are  subject  to  the  risks  arising  from  adverse  changes  in  general  economic  market  conditions.  A  U.S.  or  global  recession,  could  negatively  impact  our
current and prospective customers, adversely affect the financial ability of health insurers to pay claims, adversely impact our ability to pay our expenses and
ability to obtain financing of our operations, cause delays or other problems with key suppliers and increase the risk of counterparty failures.

Healthcare spending in the United States, Canada and Europe could be negatively affected in the event of a downturn in economic conditions. For example,
U.S. consumers who have lost their jobs or healthcare coverage may no longer be covered by an employer-

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sponsored  health  insurance  plan  and  consumers  reducing  their  overall  spending  may  eliminate  purchases  requiring  co-payments.  Since  the  sale  of  the
Omnipod System to a new user is generally dependent on the availability of third-party reimbursement and may require the user to make a significant co-
payment, an economic downturn could reduce the referrals generated by our sales force and thereby reduce our sales orders. Similarly, existing users could
cease  purchasing  the  Omnipod  System  and  return  to  MDI  or  other  less-costly  therapies,  which  would  cause  our  consumer  attrition  rate  to  increase.  Any
decline in new orders or increase in our consumer attrition rate would reduce our revenue, which in turn would make it more difficult to achieve our per-unit
cost-savings goals, which we are attempting to attain in part through increases in our manufacturing volume.

Healthcare reform laws could adversely affect our revenue and financial condition.

During the past several years, the U.S. healthcare industry has been subject to an increase in governmental regulation at both the federal and state levels.
Efforts to control healthcare costs, including limiting access to care, alternative delivery models and changes in the methods used to determine reimbursement
scenarios and rates, are ongoing at the federal and state government levels. There are provisions of law that provide for the creation of a new public-private
Patient-Centered Outcomes Research Institute tasked with identifying comparative effectiveness research priorities, including establishing a research project
agenda and contracting with entities to conduct the research. Research findings published by this institute are publicly disseminated. It is difficult at this time
to determine whether a comparative effectiveness analysis impacting our business will be done, and assuming one is, what impact that analysis will have on
the Omnipod System or our future financial results.

The  ACA  and  related  healthcare  reform  laws,  regulations  and  initiatives  have  significantly  increased  regulation  of  managed  care  plans  and  decreased
reimbursement to Medicare managed care. Some of these initiatives purport to, among other things, require that health plan members have greater access to
drugs not included on a plan’s formulary. Moreover, to alleviate budget shortfalls, states have reduced or frozen payments to Medicaid managed care plans.
We cannot accurately predict the complete impact of these healthcare reform initiatives, but they could lead to a decreased demand for our products and other
outcomes that could adversely impact our business and financial results.

Some of the provisions of the ACA have yet to be fully implemented, and certain provisions have been subject to judicial and Congressional challenges. In
addition, there have been efforts to repeal or replace certain aspects of the ACA and to alter the implementation of the ACA and related laws. For example,
the Tax Cuts and Jobs Act that was signed into law on December 22, 2017 eliminated the shared responsibility payment for individuals who fail to maintain
minimum essential coverage under section 5000A of the Internal Revenue Code of 1986, commonly referred to as the “individual mandate”, effective January
1, 2019. Further, the Bipartisan Budget Act of 2018 among other things, amended the Medicare statute, effective January 1, 2019, to reduce the coverage gap
in most Medicare drug plans, commonly known as the “donut hole,” by raising the manufacturer discount under the Medicare Part D coverage gap discount
program to 70%. It is unclear how the ACA and its implementation, as well as efforts to repeal or replace, or invalidate, the ACA, or portions thereof, will
affect  our  business.  Additional  legislative  changes,  regulatory  changes,  and  judicial  challenges  related  to  the  ACA  remain  possible.  It  is  possible  that  the
ACA, as currently enacted or as it may be amended in the future, and other healthcare reform measures that may be adopted in the future, could have an
adverse effect on our industry generally and on our ability to maintain or increase sales of any of our products.

We may need to raise additional funds in the future, and these funds may not be available on acceptable terms or at all.

Our capital requirements will depend on many factors, including:

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revenue generated by sales of our current products and any other future products that we may develop;

costs associated with capital expenditures, including adding further manufacturing capacity;

costs associated with expanding our sales and marketing efforts globally;

expenses we incur in manufacturing and selling our products;

costs of developing new products or technologies and enhancements to our products;

costs associated with any expansion;

costs  of  complying  with  regulatory  requirements,  including  obtaining  and  maintaining  FDA  approval  or  clearance  of  our  current  or  future
products;

costs associated with litigation; and

the number and timing of any acquisitions or other strategic transactions.

We believe that our current cash, cash equivalents and short-term investments of $376.1 million, together with the cash to be generated from expected product
sales, will be sufficient to meet our projected operating requirements through at least the end of 2020.

We may in the future seek additional funds from public and private stock offerings, borrowings under credit lines or other sources.

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We may need to raise additional debt or equity financing to repay our outstanding Senior Convertible Notes. If we issue equity or debt securities to raise
additional funds, our existing stockholders may experience dilution, and the new equity or debt securities may have rights, preferences and privileges senior
to  those  of  our  existing  stockholders.  In  addition,  if  we  raise  additional  funds  through  collaboration,  licensing  or  other  similar  arrangements,  it  may  be
necessary to relinquish valuable rights to our potential future products or proprietary technologies or grant licenses on terms that are not favorable to us.

Our ability to raise additional capital may be adversely impacted by current economic conditions, including the effects of any disruptions to the credit and
financial markets. As a result of these and other factors, we do not know whether additional capital will be available when needed, or on terms favorable to us
or our stockholders.

If  we  are  unable  to  raise  additional  capital  due  to  these  or  other  factors,  we  may  need  to  further  manage  our  operational  expenses,  including  potentially
curtailing planned product development activities. In addition, we may not be able to execute our business plan, take advantage of future opportunities or
respond  to  competitive  pressures  or  unanticipated  customer  requirements.  If  any  of  these  events  occur,  it  could  adversely  affect  our  business,  financial
condition and results of operations.

We may not be able to generate sufficient cash to service our indebtedness represented by our Convertible Senior Notes. We may be forced to take other
actions to satisfy our obligations under our indebtedness or we may experience a financial failure.

As of December 31, 2019, we had outstanding principal amounts due of $1.2 billion on our Convertible Senior Notes, which mature between 2024 and 2026.
Our  ability  to  make  scheduled  payments  or  to  refinance  the  Convertible  Senior  Notes  or  other  debt  obligations  depends  on  our  financial  and  operating
performance, which is subject to prevailing economic and competitive conditions and to certain financial, business and other factors beyond our control. We
cannot  assure  you  that  we  will  maintain  a  level  of  cash  flows  from  operating  activities  sufficient  to  permit  us  to  pay  the  principal,  premium,  if  any,  and
interest on our indebtedness. If our cash flows and capital resources are insufficient to fund our debt service obligations, we may be forced to reduce or delay
capital  expenditures,  sell  assets  or  operations,  seek  additional  capital  or  restructure  or  refinance  our  indebtedness,  including  the  outstanding  Convertible
Senior Notes. We cannot assure you that we would be able to take any of these actions, that these actions would permit us to meet our scheduled debt service
obligations or that these actions would be permitted under the terms of our future debt agreements. In the absence of sufficient cash from operating results and
resources, we could face substantial liquidity problems and might be required to dispose of material assets or operations to meet our debt service and other
obligations. We may not be able to consummate those dispositions or obtain sufficient proceeds from those dispositions to meet our debt service and other
obligations when due.

We are dependent upon third-party suppliers, making us vulnerable to supply problems and price fluctuations.

We rely on suppliers who manufacture the components for and perform assembly of the Pods and PDMs. In addition, a subsidiary of Flex in China performs
assembly and supplies a significant portion of all finished Omnipod Systems. We do not have long-term supply agreements with all our suppliers, and, in
many cases, we, or Flex on our behalf, make purchases based on individual purchase orders. In some cases, our agreements with suppliers can be terminated
by  either  party  upon  short  notice.  Additionally,  our  suppliers  may  encounter  problems  during  manufacturing  for  a  variety  of  reasons,  including  failure  to
follow  specific  protocols  and  procedures,  failure  to  comply  with  applicable  regulations,  equipment  malfunction,  component  part  supply  constraints  and
environmental factors, any of which could delay or impede their ability to meet our demand. Our reliance on these third-party suppliers also subjects us to
other risks that could harm our business, including:

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we are not a major customer of many of our suppliers, and these suppliers may therefore give other customers’ needs higher priority than ours;

we may not be able to obtain an adequate supply in a timely manner or on commercially reasonable terms;

our suppliers may make errors in manufacturing that could negatively affect the safety or efficacy of our products, cause delays in shipment or
negatively affect our reputation;

we may have difficulty locating and qualifying alternative suppliers for our sole-source supplies;

switching components may require product redesign and submission to the FDA of a new 510(k);

our suppliers manufacture products for a range of customers, and fluctuations in demand for the products these suppliers manufacture for others
may affect their ability to deliver products to us in a timely manner;

thefts of our trade secrets and intellectual property could occur with the third-party supply process;

the occurrence of a fire, natural disaster or other catastrophe, impacting one or more of our suppliers, may affect their ability to deliver products
to us in a timely manner; and

our  suppliers  may  encounter  financial  hardships  unrelated  to  our  demand,  which  could  inhibit  their  ability  to  fulfill  our  orders  and  meet  our
requirements.

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We may not be able to quickly establish additional or alternative suppliers, particularly for our sole-source suppliers, in part because of the FDA approval
process and because of the custom nature of various parts we require. Any interruption or delay in obtaining products from our third-party suppliers, or our
inability to obtain products from alternate sources at acceptable prices in a timely manner, could impair our ability to meet the demand of our customers and
cause them to cancel orders or switch to competing products.

If we are required to pay sales tax on sales of certain products, our results of operations could be adversely affected.

We believe that sales of most diabetes supplies are exempt from sales tax in most U.S. jurisdictions. However, if it is subsequently determined that sales of
one or more of our products are subject to sales tax in such jurisdictions, our obligation to pay such sales taxes could materially adversely affect our financial
results.

Our financial condition or results of operations may be adversely affected by international business risks.

We sell the Omnipod System in Europe, Canada and the Middle East. Our operations outside of the United States are subject to risks that are inherent in
conducting business under non-U.S. laws, regulations and customs. Sales outside the United States made up 34% of our revenues in 2019 and we expect non-
U.S.  sales  to  contribute  significantly  to  our  future  growth.  If  the  U.S.  dollar  strengthens  in  relation  to  the  currencies  of  other  countries  where  we  sell  our
products, such as the euro, our U.S. dollar reported revenue and income will decrease. Changes in the relative values of currencies occur regularly and, in
some instances, may have a significant effect on our operating results. We also rely on third-party suppliers located outside the United States. For example, a
significant portion of our Omnipod Systems are manufactured at a facility in China operated by Flex.

Our efforts to introduce or expand our current or future products in foreign markets may not be successful, in which case we may have expended significant
resources without realizing the expected benefit. Ultimately, the investment required for expansion into foreign markets could exceed the results of operations
generated from this expansion.

In addition to the risks discussed elsewhere in the risk factors included in this Item 1A, other risks associated with doing business internationally, include:

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political instability and actual or anticipated military or political conflicts;

economic instability and inflation or recession;

trade protection measures, such as tariff increases, and import and export licensing and control requirements;

negative consequences from changes in or interpretations of tax laws;

difficulty in establishing, staffing and managing non-U.S. operations;

difficulties  associated  with  foreign  legal  systems,  including  increased  costs  associated  with  enforcing  contractual  obligations  in  foreign
jurisdictions;

changes in foreign currency exchange rates;

minimal or diminished protection of intellectual property in some countries;

changes in regulatory requirements;

failure to fulfill foreign regulatory requirements on a timely basis or at all in order to market the Omnipod System or other future products;

availability of, and changes in, reimbursement within prevailing foreign health care payment systems;

adapting to the differing laws and regulations, business and clinical practices, and consumer preferences in foreign markets;

difficulties in managing foreign relationships and operations, including any relationships that we establish with foreign partners, distributors or
sales or marketing agents; and

difficulty in collecting accounts receivable and longer collection periods.

In addition, expansion into foreign markets imposes additional burdens on our executive and administrative personnel, research and sales departments and
general  management  resources.  Our  future  success  will  depend  in  large  part  on  our  ability  to  anticipate  and  effectively  manage  these  and  other  risks
associated  with  doing  business  outside  of  the  United  States.  Any  of  these  factors  may  have  a  material  adverse  effect  on  our  production  capacity  and,
consequently, our business, financial condition and results of operations.

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Most  of  our  customer  relationships  outside  of  the  United  States  are  with  governmental  entities  and  we  could  be  materially  and  adversely  affected  by
violations of the U.S. Foreign Corrupt Practices Act and similar worldwide anti-bribery laws in non-U.S. jurisdictions.

The FCPA and similar worldwide anti-bribery laws in non-U.S. jurisdictions generally prohibit companies and their intermediaries from making improper
payments to non-U.S. officials for the purpose of obtaining or retaining business. Because of the predominance of government-sponsored healthcare systems
around the world, most of our customer relationships outside of the United States are with governmental entities and are therefore subject to such anti-bribery
laws. Our policies mandate compliance with these anti-bribery laws. We operate in parts of the world that have experienced governmental corruption to some
degree,  and  in  certain  circumstances  strict  compliance  with  anti-bribery  laws  may  conflict  with  local  customs  and  practices.  Despite  our  training  and
compliance programs, our internal control policies and procedures may not always protect us from reckless or criminal acts committed by our employees or
agents. Violations of anti-bribery laws, or allegations of such violations, could disrupt our business and result in a material adverse effect on our results of
operations, financial condition and cash flows.

The long-term impacts on our business of the United Kingdom’s recent withdrawal from the European Union are unknown.

On January 31, 2020, the U.K. left the European Union. This withdrawal, commonly referred to as “Brexit” could potentially disrupt the free movement of
goods, services and people between the U.K. and the European Union, undermine bilateral cooperation in key geographic areas and significantly disrupt trade
between the U.K. and the European Union or other nations as the U.K. pursues independent trade relations. In addition, Brexit could lead to legal uncertainty
and potentially divergent national laws and regulations as the U.K. determines which European Union laws to replace or replicate. The effects of Brexit will
depend  on  any  agreements  the  U.K.  makes  to  retain  access  to  European  Union  or  other  markets  either  during  a  transitional  period  or  more  permanently.
Because this is an unprecedented event, it is unclear what long-term economic, financial, trade and legal implications the withdrawal of the U.K. from the
European Union will have and how such withdrawal could affect our business and applicable regulations in the U.K. and Europe. In addition, Brexit may lead
other European Union member countries to consider referendums regarding their European Union membership. Any of these events, along with any political,
economic and regulatory changes that may occur, could cause political and economic uncertainty in Europe and internationally and harm our business and
financial results.

Failure  to  secure  or  retain  adequate  coverage  or  reimbursement  for  our  products  by  third-party  payors  could  adversely  affect  our  business,  financial
condition and results of operations.

We expect that sales of the Omnipod System will be limited unless a substantial portion of the sales price of the Omnipod System is paid for by third-party
payors, including private insurance companies, health maintenance organizations, preferred provider organizations, federal and state government healthcare
agencies  and  other  managed  care  providers.  We  currently  have  contracts  establishing  reimbursement  for  the  Omnipod  System  with  national  and  regional
third-party payors that provide reimbursement in all 50 states. While we anticipate entering into additional contracts with other third-party payors, we cannot
assure you that we will be successful in doing so. In addition, these contracts can generally be terminated by the third-party payor without cause. Healthcare
market initiatives in the United States may also lead third-party payors to decline or reduce reimbursement for the Omnipod System. Moreover, compliance
with administrative procedures or requirements of third-party payors may result in delays in processing approvals by those payors for consumers to obtain
coverage for the use of the Omnipod System. Coverage decisions and rates of reimbursement increasingly require clinical evidence showing an improvement
in user outcomes. Generating this clinical evidence requires substantial time and investment and there is no guarantee of a desired outcome.

We are an approved Medicare supplier and, in 2018, CMS issued guidance clarifying that Medicare Part D Plan Sponsors may provide coverage for products
such as the Omnipod System under the Medicare Part D prescription drug program. As a result, we must negotiate with third-party payors in order to provide
our product through the pharmacy channel in the United States to users who are covered under Medicare Part D. Compliance with administrative procedures
or requirements of these third-party payors may result in delays in processing approvals by those payors for consumers to obtain Medicare Part D coverage
for the use of the Omnipod System. Medicaid coverage decisions are made by the governing authorities in each state. As the Medicaid coverage process and
stakeholders are unique to each state, the timeline to gain coverage in each state may vary.

We expect to sell Omnipod DASH primarily through the pharmacy channel in the United States, which may require new or amended agreements with our
intermediaries and payors. The availability of Omnipod DASH may be limited or restricted if we are unable to secure the same level of reimbursement that
we currently have for the Omnipod.

As we expand our sales and marketing efforts outside of the United States, we face additional risks associated with obtaining and maintaining reimbursement
from foreign health care payment systems on a timely basis or at all.

Failure to secure or retain adequate coverage or reimbursement for the Omnipod System by third-party payors could have a material adverse effect on our
business, financial condition and results of operations.

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We face competition from numerous competitors, many of whom have far greater resources than we have, which may make it more difficult for us to
achieve  significant  market  penetration  and  which  may  allow  them  to  develop  additional  products  for  the  treatment  of  diabetes  that  compete  with  the
Omnipod System.

The  medical  device  industry  is  intensely  competitive,  subject  to  rapid  change  and  significantly  affected  by  new  product  introductions  and  other  market
activities of industry participants. The Omnipod System competes with several existing insulin delivery devices as well as other methods for the treatment of
diabetes. Medtronic has been the market leader for many years and has the majority share of the conventional insulin pump market in the United States. Other
suppliers we compete with include Tandem in the United States and Roche and Ypsomed outside the United States.

Many  of  our  competitors  are  large,  well-capitalized  companies  with  more  market  share  and  resources  than  we  have.  As  a  result,  they  can  spend  more
aggressively on product development, marketing, sales and other product initiatives than we can. Many of these competitors have:

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significantly greater name recognition;

different and more complete reimbursement profiles;

established relations with healthcare professionals, customers and third-party payors;

larger and more established distribution networks;

greater experience in conducting research and development, manufacturing, clinical trials, marketing and obtaining regulatory approval; and

greater financial and human resources for product development, sales and marketing and patent litigation.

We also compete with MDI therapy, which is substantially less expensive than pump therapy. MDI therapy involves a user injecting themselves with both
long-acting and short-acting insulin with a syringe or insulin pen. While we believe that pump therapy, in general, and the Omnipod System, in particular,
have  significant  competitive  and  clinical  advantages  over  traditional  MDI  therapy,  improvements  in  the  effectiveness  of  MDI  therapy  may  result  in  fewer
people with insulin-dependent diabetes converting from MDI therapy to pump therapy than we expect and may result in negative price pressure.

In addition to the established insulin pump competitors, several companies are working to develop and market new insulin “patch” pumps and other methods
for the treatment of diabetes. These companies are at various stages of development and the number of such companies continuously changes as they enter or
exit the market on an ongoing basis.

Our current competitors or other companies may at any time develop additional products for the treatment of diabetes. If an existing or future competitor
develops a product that competes with or is superior to the Omnipod System, our revenue may decline. In addition, some of our competitors may compete by
changing  their  pricing  model  or  by  lowering  the  price  of  their  insulin  delivery  systems  or  ancillary  supplies.  If  these  competitors’  products  were  to  gain
acceptance by healthcare professionals, people with insulin-dependent diabetes or third-party payors, a downward pressure on prices could result. If prices
were to fall, our results of operations could be materially adversely impacted.

We  rely  on  the  proper  function,  availability  and  security  of  our  product  and  information  technology  systems  and  a  cyber-attack  or  other  breach  or
disruption of our product or these systems could have a material adverse effect on our business and results of operations.

We rely on information technology systems to process, transmit and store electronic information in our day-to-day operations. The form and function of such
systems may change over time as our business needs change. The nature of our business involves the receipt and storage of personal and financial information
regarding our customers. We use our information technology systems to manage or support a variety of business processes and activities, including sales,
shipping,  billing,  customer  service,  procurement  and  supply  chain,  manufacturing  and  accounts  payable.  In  addition,  we  use  enterprise  information
technology systems to record, process, and summarize transactions and other financial information and results of operations for internal reporting purposes
and  to  comply  with  financial  reporting,  legal,  and  tax  regulatory  requirements.  Our  information  technology  systems  may  be  susceptible  to  damage,
disruptions or shutdowns due to computer viruses, attacks by computer hackers, failures during the process of upgrading or replacing software, databases or
components thereof, power outages, hardware failures, telecommunication failures, user errors or catastrophic events. Any failure by us to maintain or protect
our information technology systems and data integrity, including from cyber-attacks, intrusions, disruptions or shutdowns, could result in the unauthorized
access to customer data and personally identifiable information, theft of intellectual property or other misappropriation of assets or the loss of key data and
information, or otherwise compromise our confidential or proprietary information and disrupt our operations. Additionally, the FDA has warned that insulin
pumps may have cybersecurity vulnerabilities and could be manipulated by hackers, causing danger to diabetes patients. If our product is breached or our
information technology systems are breached or suffer severe damage, disruption or shutdown and we are unable to effectively resolve the issues in a timely
manner, our business and operating results may be materially and adversely affected.

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If our efforts to maintain the privacy and security of our customer, third-party payor, employee, supplier or Company information are not successful, we
could incur substantial additional costs and become subject to litigation, enforcement actions and reputational damage.

Our  business,  like  that  of  most  medical  device  manufacturers,  involves  the  receipt,  storage  and  transmission  of  customer  information  and  payment  and
reimbursement information, as well as confidential information about third-party payors, our employees, our suppliers and our Company. Our information
systems are vulnerable to an increasing threat of continually evolving cybersecurity risks. Unauthorized parties may attempt to gain access to our systems or
information  through  fraud  or  other  means  of  deceiving  our  employees  or  third-party  service  providers.  Hardware,  software  or  applications  we  develop  or
obtain from third parties may contain defects in design or manufacture or other problems that could unexpectedly compromise information, device security.
The  methods  used  to  obtain  unauthorized  access,  disable  or  degrade  service  or  sabotage  systems  are  also  constantly  changing  and  evolving,  and  may  be
difficult to anticipate or detect for long periods of time. We have implemented and regularly review and update processes and procedures to protect against
unauthorized access to or use of secured data and to prevent data loss. However, the ever-evolving threats mean we must continually evaluate and adapt our
systems and processes, and our efforts may not be adequate to safeguard against all data security breaches, misuse of data or sabotage of our systems. Any
future significant compromise or breach of our data security, whether external or internal, or misuse of customer, third-party payor, employee, supplier or
Company data, could result in significant costs, lost sales, fines, lawsuits and damage to our reputation. In addition, as the regulatory environment related to
information security, data collection and use, and privacy becomes increasingly rigorous, with new and constantly changing requirements applicable to our
business, compliance with those requirements could also result in additional costs.

Technological breakthroughs in diabetes monitoring, treatment or prevention could render the Omnipod System obsolete.

The diabetes treatment market is subject to rapid technological change and product innovation. The Omnipod System is based on our proprietary technology,
but  a  number  of  companies,  medical  researchers  and  pharmaceutical  companies  are  pursuing  new  delivery  devices,  delivery  technologies,  sensing
technologies,  procedures,  drugs  and  other  therapeutics  for  the  monitoring,  treatment  and/or  prevention  of  insulin-dependent  diabetes.  For  example,  FDA
approval of a commercially viable “closed-loop” or “hybrid closed-loop” system that combines continuous “real-time” glucose sensing or monitoring and
automatic continuous subcutaneous insulin infusion in a manner that delivers appropriate amounts of insulin on a timely basis with reduced user direction
could have a material adverse effect on our revenue and future profitability. Medtronic commercially launched a “hybrid closed-loop” system in 2017, and in
January 2020 Tandem announced the commercial launch of an automated insulin delivery system, which could negatively impact our business. In addition,
the National Institutes of Health and other supporters of diabetes research are continually seeking ways to prevent, cure or improve the treatment of diabetes.
Any technological breakthroughs in diabetes monitoring, treatment or prevention could render the Omnipod System obsolete, which would have a material
adverse effect on our business, financial condition and results of operations.

Our own new product development initiatives may prove to be ineffective or not commercially successful.

We  have  ongoing  initiatives  to  develop  products  to  improve  the  treatment  of  Type  1  and  Type  2  diabetes.  We  may  be  unable  to  effectively  introduce  and
market  new  products  or  may  fail  to  keep  pace  with  advances  in  technology.  The  healthcare  industry  is  characterized  by  continuous  technological  change,
resulting in changing consumer preferences and requirements. The success of our business depends on our ability to introduce new products and adapt to
these  changing  technologies  and  consumer  demands.  To  compete  in  the  marketplace,  we  must  make  substantial  investments  in  new  product  development
whether internally or externally through licensing or acquisitions. Even if we can develop, manufacture and obtain regulatory and reimbursement approvals
for  our  new  products,  the  success  of  those  products  depends  on  market  acceptance.  Market  acceptance  for  our  new  products  could  be  affected  by  several
factors, including:

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the availability of alternative products from our competitors;

the price of our products;

the timing of our market entry; and

our ability to market and distribute our products effectively.

Our failure to introduce new and innovative products in a timely manner could have a material adverse effect on our business, results of operations, financial
condition and cash flows.

If  our  existing  license  agreement  with  Abbott,  which  allows  us  to  incorporate  a  blood  glucose  meter  into  the  Omnipod,  is  terminated  or  if  Abbott’s
FreeStyle meter is less desirable to current and potential users, our business may be materially adversely impacted.

Our  rights  to  incorporate  the  FreeStyle  blood  glucose  meter  into  the  Omnipod  are  governed  by  a  development  and  license  agreement  with  Abbott.  This
agreement provides us with a non-exclusive, fully paid, non-transferable and non-sublicensable license under

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patents and other relevant technical information relating to the FreeStyle blood glucose meter through January 2023. The agreement may be terminated prior
to 2023 in the event of certain breaches by either party. Breach of the contract by us could lead to damages and result in a loss of the license. Such a loss in
the near-term could require us to either remove the blood glucose meter from PDMs sold in the future, which could impair the functionality of the Omnipod,
or attempt to incorporate an alternative blood glucose meter into the PDM, either of which would require significant development and regulatory activities
that might not be completed in time to prevent an interruption in the availability of the Omnipod to consumers. These could result in a material adverse effect
on our business, financial condition and results of operations.

The FreeStyle blood glucose meter in our PDM is only approved for use with FreeStyle test strips in the United States. Not all third-party payors reimburse
users  for  the  purchase  of  FreeStyle  test  strips  to  the  same  extent  as  they  reimburse  users  for  other  brands  of  test  strips.  The  absence  or  reduction  in  such
reimbursement or availability of the test strips may make the Omnipod less desirable to current and potential users.

In the future, we may need additional agreements or licenses to intellectual property or other rights in order to sell our current product or commercialize new
products. If we cannot obtain these agreements, licenses, or other rights, we may not be able to sell, develop or commercialize these products. Our rights to
use technologies licensed to us by third parties are not entirely within our control, and we may not be able to continue selling the Omnipod or sell future
products without these rights.

Our non-insulin drug delivery product line faces challenges which, if not met, may impair its future success.

Our non-insulin drug delivery product line involves the development, manufacture and sale of a modified Omnipod System for delivery of a specific drug
other than insulin. Most of our commercialized drug delivery revenue consists of sales of a customized version of our product for use in Amgen’s Neulasta
Onpro kit. The marketing and sales initiatives driving this product line differ markedly from those on which we rely for our sales of Omnipod Systems to treat
diabetes since the non-insulin drug delivery devices depend on marketing and sales to pharmaceutical companies, not to users and clinicians. We expect that
the future results of our non-insulin drug delivery product line will face several challenges, including:

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•

•

our identification of drug delivery opportunities for a modified Omnipod System;

our achievement of satisfactory development and pricing terms with the pharmaceutical companies that sell such drugs;

our development of appropriate modifications to our Omnipod System technology to address the needs and parameters required for the respective
drug-delivery opportunities;

• manufacturing issues relating to the modified Omnipod System;

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•

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long lead-times associated with the development, regulatory approvals and ramp up applicable to the use of modified Omnipod Systems for the
delivery of such drugs;

relatively small number of modified Omnipod Systems needed to address each drug-delivery opportunity;

uncertainties regarding the market acceptance of such drugs and the modified Omnipod Systems as appropriate delivery devices;

uncertainties relating to the success of the pharmaceutical companies in marketing and selling such drugs as well as the modified Omnipod Systems
as the appropriate delivery devices;

intense competition in the drug-delivery industry, including from competitors which have substantially greater resources than we do;

demand of non-insulin drugs, including the impact of generics and biosimilars;

• maintaining appropriate gross margins; and

•

regulatory requirements and reimbursement rates associated with such drugs.

If we are unsuccessful in overcoming one or more of these challenges, or if our agreement with Amgen is terminated, our financial results could be materially
and adversely impacted.

The patent rights on which we rely to protect the intellectual property underlying our products may not be adequate, which could enable third parties to
use our technology and would harm our continued ability to compete in the market.

Our success will depend in part on our continued ability to develop or acquire commercially valuable patent rights and to protect these rights adequately. Our
patent position is generally uncertain and involves complex legal and factual questions. The risks and uncertainties that we face with respect to our patents
and other related rights include the following:

•

•

the pending patent applications we have filed or to which we have exclusive rights may not result in issued patents or may take longer than we
expect to result in issued patents;

the claims of any patents that are issued may not provide meaningful protection;

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•

•

we may not be able to develop additional proprietary technologies that are patentable; and

other companies may design around technologies we have patented, licensed or developed.

We also may not be able to protect our patent rights effectively in some foreign countries, such as China, where we rely on a third-party contract manufacturer
to produce our product. Additionally, for a variety of reasons, we may decide not to file for patent protection. Our patent rights underlying our products may
not be adequate, and our competitors or users may design around our proprietary technologies or independently develop similar or alternative technologies or
products that are equal or superior to ours without infringing on any of our patent rights. In addition, the patents licensed or issued to us may not provide a
competitive  advantage.  The  occurrence  of  any  of  these  events  may  have  a  material  adverse  effect  on  our  business,  financial  condition  and  results  of
operations.

Other  rights  and  measures  we  have  taken  to  protect  our  intellectual  property  may  not  be  adequate,  which  would  harm  our  ability  to  compete  in  the
market.

In addition to patents, we rely on a combination of trade secrets, copyright and trademark laws, confidentiality, non-disclosure and assignment of invention
agreements and other contractual provisions and technical measures to protect our intellectual property rights. Despite these measures, any of our intellectual
property rights could be challenged, invalidated, circumvented or misappropriated. While we currently require employees, consultants and other third parties
to sign confidentiality, non-disclosure or assignment of invention agreements, or a combination thereof where appropriate, any of the following could still
occur:

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•

•

•

the agreements may be breached;

we may have inadequate remedies for any breach;

trade secrets and other proprietary information could be disclosed to our competitors; or

others may independently develop substantially equivalent or superior proprietary information and techniques or otherwise gain access to our
trade secrets or disclose such technologies.

If our intellectual property is disclosed or misappropriated, it would harm our ability to protect our rights and have a material adverse effect on our business,
financial condition and results of operations.

We may need to initiate lawsuits to protect or enforce our patents and other intellectual property rights, which could be expensive and, if we lose, could
cause us to lose some of our intellectual property rights, which would harm our ability to compete in the market.

We  rely  on  patents  to  protect  a  portion  of  our  intellectual  property  and  our  competitive  position.  The  patent  laws  that  relate  to  the  scope  of  claims  in  the
technology fields in which we operate are still evolving and, consequently, certain patent positions in the medical device industry are generally uncertain. In
order  to  protect  or  enforce  our  patent  rights,  we  may  initiate  patent  litigation  against  third  parties,  such  as  infringement  suits  or  interference  proceedings.
Litigation may be necessary to:

•

•

•

•

assert claims of infringement;

enforce our patents;

protect our trade secrets or know-how; or

determine the enforceability, scope and validity of the proprietary rights of others.

Any lawsuits that we initiate could be expensive, take significant time and divert management’s attention from other business concerns. Litigation also puts
our patents at risk of being invalidated or interpreted narrowly and our patent applications at risk of not being issued. Additionally, we may provoke third
parties  to  assert  claims  against  us.  We  may  not  prevail  in  any  lawsuits  that  we  initiate,  and  the  damages  or  other  remedies  awarded,  if  any,  may  not  be
commercially  valuable.  The  occurrence  of  any  of  these  events  could  have  a  material  adverse  effect  on  our  business,  financial  condition  and  results  of
operations.

Claims  that  our  current  or  future  products  infringe  or  misappropriate  the  proprietary  rights  of  others  could  adversely  affect  our  ability  to  sell  those
products and cause us to incur additional costs.

Substantial litigation over intellectual property rights exists in the medical device industry, and we have settled infringement suits in the past. We expect that
we  could  be  increasingly  subject  to  third-party  infringement  claims  as  our  revenue  increases,  the  number  of  competitors  grows  and  the  functionality  of
products and technology in different industry segments overlaps. Third parties may currently have, or may eventually be issued, patents on which our current
or future products or technologies may infringe. Any of these third parties might make a claim of infringement against us.

Such  litigation,  regardless  of  its  outcome,  could  result  in  the  expenditure  of  significant  financial  resources  and  the  diversion  of  management’s  time  and
resources. In addition, such litigation could cause negative publicity, adversely affect prospective users, cause product shipment delays, limit or prohibit us
from manufacturing, marketing or selling our current or future products, require

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us to develop non-infringing technology, make substantial payments to third parties or enter into royalty or license agreements, which may not be available on
acceptable  terms  or  at  all.  If  a  successful  claim  of  infringement  were  made  against  us  and  we  could  not  develop  non-infringing  technology  or  license  the
infringed or similar technology on a timely and cost-effective basis, our revenue could decrease substantially, and we could be exposed to significant liability.
A court could enter orders that temporarily, preliminarily or permanently enjoin us or our customers from making, using, selling, offering to sell or importing
our current or future products, or could enter an order mandating that we undertake certain remedial activities.

We are subject to extensive government regulation, which could restrict the sales and marketing of our products and could cause us to incur significant
costs.

Our medical device products and operations are subject to extensive regulation by the FDA and various other federal, state, local and foreign government
authorities. Government regulation of medical devices is meant to assure their safety and effectiveness, and includes regulation of, among other things:

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•

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design, development and manufacturing;

testing, labeling, content and language of instructions for use and storage;

clinical trials;

regulatory clearances and approvals including premarket clearance and approval;

product safety;

advertising and promotion;

• marketing, sales and distribution;

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•

conformity assessment procedures;

product traceability and record keeping procedures;

product complaints, complaint reporting, recalls and field safety corrective actions;

post-market surveillance, including reporting of deaths or serious injuries and malfunctions that, if they were to recur, could lead to death or serious
injury;

post-market studies; and

product import and export.

The regulations to which we are subject are complex and have tended to become more stringent over time. Regulatory changes could result in restrictions on
our ability to carry on or expand our operations, higher than anticipated costs or lower than anticipated sales.

Before a new medical device, or a significant modification of a medical device, including a new use of or claim for an existing product, can be marketed in
the United States, it must first receive either 510(k) clearance or PMA from the FDA, unless an exemption applies. In the 510(k) clearance process, the FDA
must determine that a proposed device is “substantially equivalent” to a device legally on the market, known as a “predicate” device, with respect to intended
use, technology and safety and effectiveness, in order to clear the proposed device for marketing. Clinical data is sometimes required to support substantial
equivalence.  In  December  2012,  we  received  501(k)  clearance  for  our  Omnipod.  We  have  since  obtained  clearance  for  modified  versions  of  this  device,
including Omnipod DASH, which was recently cleared by the FDA to be used as an integrated insulin pump in an interoperable automated insulin delivery
system. We may be required to obtain a new 510(k) clearance or PMA for significant further post-market modifications to the Omnipod System. Obtaining
510(k) clearance or PMA for medical devices can be expensive and lengthy, and entail significant user fees, unless an exemption is available. The FDA’s
process for obtaining 510(k) clearance usually takes three to twelve months, but it can last longer. In the PMA approval process, the FDA must determine that
a proposed device is safe and effective for its intended use based, in part, on extensive data, including but not limited to, technical, pre-clinical, clinical trial,
manufacturing and labeling data. The process for obtaining PMA is much more costly and uncertain and it generally takes from one to three years, or longer,
from the time the application is filed with the FDA. Modifications to products that are approved through a PMA application generally need FDA approval.
Some of our future products may require PMA approval. In addition, the FDA may demand that we obtain a PMA prior to marketing future changes of our
existing Omnipod System. Further, we may not be able to obtain additional 510(k) clearances or PMAs for new products or for modifications to, or additional
indications for, the Omnipod System in a timely fashion or at all. Delays in obtaining future clearances could adversely affect our ability to introduce new or
enhanced products in a timely manner, which in turn could harm our revenue and future profitability.

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We also are subject to numerous post-marketing regulatory requirements, which include quality system regulations related to the manufacture of our devices,
labeling regulations and medical device reporting regulations. The last of these regulations requires us to report to the FDA if our devices cause or contribute
to a death or serious injury, or malfunction in a way that would likely cause or contribute to a death or serious injury if the malfunction recurred. If we fail to
comply with present or future regulatory requirements that are applicable to us, we may be subject to enforcement action by the FDA, which may include any
of the following sanctions:

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•

untitled letters, warning letters, fines, injunctions, consent decrees and civil penalties;

customer notification, or orders for repair, replacement or refunds;

voluntary or mandatory recall or seizure of our current or future products;

administrative detention by the FDA of medical devices believed to be adulterated or misbranded;

operating restrictions, suspension or shutdown of production;

refusing our requests for 510(k) clearance or PMA of new products, new intended uses or modifications to the Omnipod System;

rescinding 510(k) clearance or suspending or withdrawing PMAs that have already been granted; and

criminal prosecution.

The occurrence of any of these events may have a material adverse effect on our business, financial condition and results of operations.

In addition, the FDA may change its clearance and approval policies, adopt additional regulations or revise existing regulations, or take other actions that may
prevent or delay approval or clearance of our products under development or impact our ability to modify our currently approved or cleared products on a
timely basis. For example, as part of the 21st Century Cures Act enacted in December 2016 and the FDA Reauthorization Act of 2017, Congress enacted
several reforms that further affect medical device regulation both pre- and post-approval. While those changes are still being implemented by the FDA, this
serves as an example of the rapidly changing regulatory environment in which we operate. In addition, regulatory requirements may change in the future in a
way that adversely affects us. For instance, the FDA is in the process of reviewing the 510(k) approval process and criteria and has announced initiatives to
improve the current pre- and post-market regulatory processes and requirements associated with infusion pumps and other home use medical devices. As part
of this effort, the FDA is reviewing the adverse event reporting and recall processes for insulin pumps. Any change in the laws or regulations that govern the
clearance and approval processes relating to our current and future products could make it more difficult and costly to obtain clearance or approval for new
products, or to produce, market and distribute existing products.

The  Omnipod  is  also  sold  in  Canada  and  certain  countries  in  Europe  and  the  Middle  East.  As  a  result,  we  are  required  to  comply  with  additional  foreign
regulatory requirements. As we expand our sales efforts internationally, we may need to obtain additional foreign approval certifications.

There is no guarantee that the FDA will grant 510(k) clearance or PMA approval of our future products, and failure to obtain necessary clearances or
approvals for our future products would adversely affect our ability to grow our business.

Some of our new or modified products will require FDA clearance of a 510(k) or FDA approval of a PMA. The FDA may refuse our requests for 510(k)
clearance or premarket approval of new products or may not clear or approve these products for the indications that are necessary or desirable for successful
commercialization. Even early stage review may result in issues. For example, the FDA has issued guidance intended to explain the procedures and criteria
used  in  assessing  whether  510(k)  and  PMA  submissions  should  be  accepted  for  substantive  review.  Under  the  “Refuse  to  Accept”  guidance,  the  FDA
conducts an early review against specific acceptance criteria to inform 510(k) and PMA submitters if the submission is administratively complete, or if not, to
identify the missing element(s). Submitters are given the opportunity to provide the FDA with the identified information. If the information is not provided
within a defined time, the submission will not be accepted for FDA review. Significant delays in receiving clearance or approval, or the failure to receive
clearance or approval for our new products would have an adverse effect on our ability to expand our business.

If  we,  our  contract  manufacturer  or  our  component  suppliers  fail  to  comply  with  the  FDA’s  quality  system  regulations,  the  manufacturing  and
distribution of our devices could be interrupted, and our product sales and operating results could suffer.

We,  our  contract  manufacturer  and  our  component  suppliers  are  required  to  comply  with  the  FDA’s  QSR,  which  is  a  complex  regulatory  framework  that
covers the procedures and documentation of the design, testing, production, control, quality assurance, labeling, packaging, sterilization, storage, shipping and
servicing of our devices. Compliance with applicable regulatory requirements is subject to continual review and is monitored rigorously through periodic,
sometimes unannounced, inspections by the FDA. We cannot assure you that our facilities or our contract manufacturers’ or component suppliers’ facilities
would pass

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any  future  quality  system  inspection.  If  our  or  any  of  our  contract  manufacturers  or  component  suppliers’  facilities  fails  a  quality  system  inspection,  the
manufacturing  or  distribution  of  our  devices  could  be  interrupted,  and  our  operations  disrupted.  Failure  to  take  adequate  and  timely  corrective  action  in
response  to  an  adverse  quality  system  inspection  could  force  a  suspension  or  shutdown  of  our  labeling  operations  or  the  manufacturing  operations  of  our
contract manufacturers, or a recall of our devices.

If  we,  or  our  manufacturers,  fail  to  adhere  to  QSR  requirements,  this  could  delay  production  of  our  products  and  lead  to  fines,  difficulties  in  obtaining
regulatory clearances, recalls, enforcement actions, including injunctive relief or consent decrees, or other consequences, which could have a material adverse
effect on our financial condition or results of operations.

If  our  products,  or  malfunction  of  our  products,  cause  or  contribute  to  a  death  or  a  serious  injury,  we  will  be  subject  to  medical  device  reporting
regulations, which can result in voluntary corrective actions or agency enforcement actions.

Under the FDA medical device reporting regulations, medical device manufacturers are required to report to the FDA information that a device has or may
have caused or contributed to a death or serious injury or has malfunctioned in a way that would likely cause or contribute to death or serious injury if the
malfunction  of  the  device  or  one  of  our  similar  devices  were  to  recur.  Any  such  adverse  event  involving  our  products  could  result  in  future  voluntary
corrective  actions,  such  as  recalls  or  customer  notifications,  or  agency  action,  such  as  inspection  or  enforcement  action.  Adverse  events  involving  our
products have been reported to us in the past, and we cannot guarantee that they will not occur in the future. Any corrective action, whether voluntary or
involuntary, will require the dedication of our time and capital, distract management from operating our business and may harm our reputation and financial
results.

Our  current  or  future  products  may  be  subject  to  product  recalls  even  after  receiving  FDA  clearance  or  approval.  A  recall  of  our  products,  either
voluntarily or at the direction of the FDA, or the discovery of serious safety issues with our products, could have a significant adverse impact on us.

The FDA and similar governmental bodies in other countries have the authority to require the recall of our products if we or our contract manufacturers fail to
comply  with  relevant  regulations  pertaining  to  manufacturing  practices,  labeling,  advertising  or  promotional  activities,  or  if  new  information  is  obtained
concerning the safety or efficacy of these products. For example, under the FDA’s medical device reporting regulations, we are required to report to the FDA
any incident in which our product may have caused or contributed to a death or serious injury or in which our product malfunctioned and, if the malfunction
were to recur, would likely cause or contribute to death or serious injury. Repeated product malfunctions may result in a voluntary or involuntary product
recall. A government-mandated recall could occur if the FDA finds that there is a reasonable probability that the device would cause serious, adverse health
consequences  or  death.  A  voluntary  recall  by  us  could  occur  as  a  result  of  any  material  deficiency  in  a  device,  such  as  manufacturing  defects,  labeling
deficiencies,  packaging  defects  or  other  failures  to  comply  with  applicable  regulations.  In  general,  if  we  decide  to  make  a  change  to  our  product,  we  are
responsible  for  determining  whether  to  classify  the  change  as  a  recall.  It  is  possible  that  the  FDA  could  disagree  with  our  initial  classification.  The  FDA
requires that certain classifications of recalls be reported to the FDA within 10 working days after the recall is initiated. If a change to a device addresses a
violation  of  the  federal  Food,  Drug,  and  Cosmetic  Act,  that  change  would  generally  constitute  a  medical  device  recall  and  require  submission  of  a  recall
report to the FDA.

Recalls  of  any  of  our  products  would  divert  managerial  and  financial  resources  and  have  an  adverse  effect  on  our  reputation,  results  of  operations  and
financial condition, which could impair our ability to produce our products in a cost-effective and timely manner in order to meet our customers’ demands.
We may also be subject to liability claims, be required to bear other costs, or take other actions that may have a negative impact on our future sales and our
ability to generate profits. Companies are required to maintain certain records of recalls, even if they are not reportable to the FDA. We may initiate voluntary
recalls involving our products in the future that we determine do not require notification of the FDA. If the FDA disagrees with our determinations, they could
require us to report those actions as recalls. A future recall announcement could harm our reputation and negatively affect our sales. In addition, the FDA
could take enforcement action for failing to report the recalls when they were conducted.

If the third parties on which we rely to conduct our clinical trials and to assist us with pre-clinical development do not perform as contractually required
or expected, we may not be able to obtain regulatory clearance or approval or commercialize our products.

We rely on third parties, such as contract research organizations, medical institutions, clinical investigators, contract laboratories and other third parties to
conduct  some  of  our  clinical  trials  and  pre-clinical  investigations.  If  these  third  parties  do  not  successfully  carry  out  their  contractual  duties  or  regulatory
obligations  or  meet  expected  deadlines,  or  if  the  quality  or  accuracy  of  the  data  they  obtain  is  compromised  due  to  the  failure  to  adhere  to  our  clinical
protocols or regulatory requirements or for other reasons, our pre-clinical development activities or clinical trials may be extended, delayed, suspended or
terminated, and we may not be able to obtain regulatory approval for, or successfully commercialize, our products on a timely basis, or at all, and our business
and operating results may be adversely affected. Furthermore, our third-party clinical trial investigators may be delayed in conducting our clinical trials for
reasons outside of their control.

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We may be subject to enforcement action if we engage in improper marketing or promotion of our products.

Our promotional materials and training methods must comply with FDA and other applicable laws and regulations, including the prohibition of the promotion
of unapproved, or off-label, use. Doctors may use our products off-label, as the FDA does not restrict or regulate a doctor’s choice of treatment within the
practice of medicine. However, if the FDA determines that our promotional materials or training constitutes promotion of an off-label use, it could request
that we modify our training or promotional materials or subject us to regulatory or enforcement actions, including the issuance of an untitled letter, a warning
letter, injunction, seizure, civil fine or criminal penalties. It is also possible that other federal, state or foreign enforcement authorities might take action if they
consider  our  promotional  or  training  materials  to  constitute  promotion  of  an  off-label  use,  which  could  result  in  significant  fines  or  penalties  under  other
statutory authorities, such as laws prohibiting false claims for reimbursement. In that event, our reputation could be damaged, and adoption of the products
could  be  impaired.  Although  our  policy  is  to  refrain  from  statements  that  could  be  considered  off-label  promotion  of  our  products,  the  FDA  or  another
regulatory agency could disagree and conclude that we have engaged in off-label promotion. In addition, the off-label use of our products may increase the
risk of product liability claims. Product liability claims are expensive to defend and could divert our management’s attention, result in substantial damage
awards against us, and harm our reputation.

If we were found to be noncompliant with state DME licensure rules, we could lose our licensure in that state, which could prohibit us from selling our
current or future products directly to consumers in that state.

Several states require that DME providers be licensed in order to sell products to customers in that state. Certain of these states require, among other things,
that  DME  providers  maintain  an  in-state  location.  Although  we  believe  we  are  in  compliance  with  all  applicable  state  regulations  regarding  licensure
requirements,  if  we  were  found  to  be  noncompliant,  we  could  lose  our  licensure  in  that  state,  which  could  prohibit  us  from  selling  our  current  or  future
products directly to consumers in that state.

We are subject to federal, state and foreign laws prohibiting “kickbacks” and false or fraudulent claims, and other fraud and abuse laws, transparency
laws,  and  other  health  care  laws  and  regulations,  which,  if  violated,  could  subject  us  to  substantial  penalties.  Additionally,  any  challenge  to  or
investigation into our practices under these laws could cause adverse publicity and be costly to respond to, and thus could harm our business.

Our relationships with customers and third-party payors are subject to broadly applicable fraud and abuse and other health care laws and regulations that may
constrain our sales, marketing and other promotional activities by limiting the kinds of financial arrangements, including sales programs and certain customer
and  product  support  programs,  we  may  have  with  hospitals,  physicians,  customers  or  other  potential  purchasers  of  medical  devices.  These  laws  include,
among others, the federal healthcare Anti-Kickback Statute, the federal civil False Claims Act, other federal health care false statement and fraud statutes, the
Open Payments program, the Civil Monetary Penalties Law, and analogous fraud and abuse and transparency laws in most states, as described in “Item 1—
Business—Government Regulation”.

We conduct various marketing and product training activities that involve making payments to healthcare providers and entities. While we believe and make
every  effort  to  ensure  that  our  business  arrangements  with  third  parties  and  other  activities  and  programs  comply  with  all  applicable  laws,  these  laws  are
complex and our activities may be found not to be compliant with one of these laws, which may result in significant civil, criminal and/or administrative
penalties, fines, damages, and exclusion from participation in federal health care programs. Even an unsuccessful challenge or investigation into our practices
could cause adverse publicity, and be costly to respond to, and thus could have a material adverse effect on our business, financial condition and results of
operations.  Our  compliance  with  Medicare  and  Medicaid  regulations  may  be  reviewed  by  federal  or  state  agencies,  including  the  OIG,  CMS,  and  the
Department of Justice, or may be subject to whistleblower lawsuits under federal and state false claims laws. To ensure compliance with Medicare, Medicaid
and other regulations, government agencies conduct periodic audits of us to ensure compliance with various supplier standards and billing requirements.

If we are found to have violated laws protecting the confidentiality of health information, we could be subject to civil or criminal penalties, which could
increase our liabilities and harm our reputation or our business.

There are a number of federal and state laws protecting the confidentiality of certain health information and restricting the use and disclosure of that protected
information. In particular, the U.S. Department of Health and Human Services promulgated privacy rules under HIPAA. These privacy rules protect medical
records and other personal health information by limiting their use and disclosure, giving individuals the right to access, amend and seek accounting of their
own health information and limiting most use and disclosures of health information to the minimum amount reasonably necessary to accomplish the intended
purpose. If we are found to be in violation of the privacy rules under HIPAA, we could be subject to civil or criminal penalties, which could increase our
liabilities, harm our reputation and have a material adverse effect on our business, financial condition and results of operations.

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We are subject to complex and evolving U.S. and foreign laws and regulations regarding privacy, data protection, and other matters. Many of these laws
and regulations are subject to change and uncertain interpretation, and could result in claims, changes to our business practices, monetary penalties,
increased cost of operations, or declines in user growth or engagement, or otherwise harm our business.

We are subject to a variety of laws and regulations in the United States and abroad that involve matters central to our business, including laws and regulations
relating to privacy and data protection, rights of publicity, content, intellectual property, advertising, marketing, distribution, data security, data retention and
deletion, personal information, electronic contracts and other communications, competition, protection of minors, consumer protection, telecommunications,
product  liability,  taxation,  economic  or  other  trade  prohibitions  or  sanctions,  corrupt  practices,  fraud,  waste  and  abuse  restrictions,  and  securities  law
compliance. The introduction of new products or expansion of our activities in certain jurisdictions may subject us to additional laws and regulations. For
example,  data  protection  laws  passed  by  the  federal  government,  many  states  and  foreign  countries  require  notification  to  users  when  there  is  a  security
breach of personal data. In the state of California, the CCPA, which provides certain privacy rights and consumer protection for residents of the state became
effective January 2020. These consumer rights include the right to know what personal information is collected, the right to know whether the data is sold or
disclosed and to whom, the right to request a company to the delete personal information collected, the right to opt-out of the sale of personal information and
the right to non-discrimination in terms of price or service when a consumer exercises a privacy right. If we fail to comply with these regulations, we could be
subject to civil sanctions, including fines and penalties for noncompliance.

In addition, foreign data protection, privacy, and other laws and regulations can be more restrictive than those in the United States. Data localization laws in
some  countries  generally  mandate  that  certain  types  of  data  collected  in  a  particular  country  be  stored  and/or  processed  within  that  country.  We  could  be
subject to audits in Europe and around the world, particularly in the areas of consumer and data protection, as we continue to grow and expand our operations.
Legislators and regulators may make legal and regulatory changes, or interpret and apply existing laws, in ways that make our products less useful to users,
require  us  to  incur  substantial  costs,  expose  us  to  unanticipated  civil  or  criminal  liability,  or  cause  us  to  change  our  business  practices.  These  changes  or
increased  costs  could  negatively  impact  our  business  and  results  of  operations  in  material  ways.  For  example,  the  GDPR  imposes  requirements  in  the
European Economic Area relating to, among other things, consent to process personal data of individuals, the information provided to individuals regarding
the  processing  of  their  personal  data,  the  security  and  confidentiality  of  personal  data,  notifications  in  the  event  of  data  breaches  and  use  of  third  party
processors. If we fail to comply with these standards, we could be subject to criminal penalties and civil sanctions, including fines and penalties and amounts
could be significant.

Product  liability  suits  and  other  litigation,  whether  or  not  meritorious,  could  be  brought  against  us.  These  suits  could  result  in  expensive  and  time-
consuming litigation, payment of substantial damages, and an increase in our insurance rates.

If our current or future products are defectively designed or manufactured, contain defective components or are misused, or if someone claims any of the
foregoing, whether or not meritorious, we may become subject to substantial and costly litigation. Misusing our devices or failing to adhere to the operating
guidelines of the Omnipod System or other products based on the Omnipod System technology could cause significant harm to users, including death. In
addition, if our operating guidelines are found to be inadequate, we may be subject to liability. Product liability claims could divert management’s attention
from our core business, be expensive to defend and result in sizable damage awards against us. While we believe that we are reasonably insured against these
risks,  we  may  not  have  sufficient  insurance  coverage  for  all  future  claims.  Any  product  liability  claims  brought  against  us,  with  or  without  merit,  could
increase our product liability insurance rates or prevent us from securing continuing coverage, could harm our reputation in the industry and could reduce
revenue.  Product  liability  claims  in  excess  of  our  insurance  coverage  would  be  paid  out  of  cash  reserves  harming  our  financial  condition  and  adversely
affecting our results of operations.

Our ability to grow our revenue depends in part on our retaining a high percentage of our customers.

A key to driving our revenue growth is the retention of a high percentage of our customers. We have developed retention programs aimed at both healthcare
professionals and consumers, which include appeals assistance, ongoing customer communications, newsletters, support, training and an automatic re-order
program for certain customers. We have had a satisfactory customer retention rate; however, we cannot assure you that we will maintain this retention rate in
the future. Current uncertainty in global economic conditions, competition, higher levels of unemployment, changes in insurance reimbursement levels and
negative financial news may negatively affect product demand. If demand for our products fluctuates as a result of economic conditions or otherwise, our
ability to attract and retain customers could be harmed. The failure to retain a high percentage of our customers could negatively impact our revenue growth
and may have a material adverse effect on our business, financial condition and results of operations.

We  have  sponsored,  and  expect  to  continue  to  sponsor,  market  studies  seeking  to  demonstrate  certain  aspects  of  the  efficacy  of  the  Omnipod  System,
which may fail to produce favorable results.

To help improve, market and sell the Omnipod System, we have sponsored, and expect to continue to sponsor market studies to assess various aspects of the
Omnipod System’s functionality and its relative efficacy. The data obtained from the studies may be

27

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unfavorable  to  the  Omnipod  System  or  may  be  inadequate  to  support  satisfactory  conclusions.  In  addition,  in  the  future  we  may  sponsor  clinical  trials  to
assess certain aspects of the efficacy of the Omnipod System. If future clinical trials fail to support the efficacy of our current or future products, our sales
may be adversely affected and we may lose an opportunity to secure clinical preference from prescribing clinicians, which may have a material adverse effect
on our business, financial condition and results of operations.

If future clinical studies or other articles are published, or diabetes associations or other organizations announce positions that are unfavorable to the
Omnipod System, our sales efforts and revenue may be negatively affected.

Future  clinical  studies  or  other  articles  regarding  our  existing  products  or  any  competing  products  may  be  published  that  either  support  a  claim,  or  are
perceived to support a claim, that a competitor’s product is clinically more effective or easier to use than the Omnipod System or that the Omnipod System is
not as effective or easy to use as we claim. Additionally, diabetes associations, healthcare providers that focus on diabetes or other organizations that may be
viewed as authoritative could endorse products or methods that compete with the Omnipod System or otherwise announce positions that are unfavorable to
the Omnipod System. Any of these events may negatively affect our sales efforts and result in decreased revenue.

Our Omnipod System inventory is produced and maintained in a limited number of locations.

Our manufacturing of the Omnipod System is conducted in two locations, at our U.S. manufacturing facility in Massachusetts and on manufacturing lines
owned by us at a facility located in China, operated by a subsidiary of Flex. Political or financial instability, currency fluctuations, the outbreak of pandemics
such  as  the  Coronavirus,  labor  unrest,  transport  capacity  and  costs,  port  security,  weather  conditions,  natural  disasters  or  other  events  that  could  slow  or
disrupt port activities and affect foreign trade are beyond our control and could materially disrupt our supply of product from China, increase our costs, and/or
adversely affect our results of operation. In addition, substantially all our U.S. Omnipod System inventory is held at a single location in Massachusetts and
our European Omnipod System inventory is maintained by a third-party logistics entity primarily in a single location in the Netherlands. We take precautions
to  ensure  that  Flex  and  the  third-party  logistics  entity  safeguard  our  assets,  including  insurance  and  health  and  safety  protocols  and  off-site  storage  of
computer  data.  However,  a  natural  or  other  disaster,  such  as  a  fire  or  flood,  could  cause  substantial  delays  in  our  operations,  damage  or  destroy  our
manufacturing equipment and/or inventory and cause us to incur additional expenses. The insurance we maintain may not be adequate to cover our losses in
any particular case. With or without insurance, damage to our facility, manufacturing equipment, inventory or other property or to any of our suppliers, may
have a material adverse effect on our business, financial condition and results of operations.

If we are unable to obtain sufficient components or raw materials on a timely basis or if we experience other manufacturing difficulties, including not
effectively managing the start-up and commissioning of new manufacturing lines, our business may be adversely affected.

The manufacture of our product requires the timely delivery of sufficient amounts of quality components and materials. We manufacture our products in two
locations, at our U.S. manufacturing facility in Massachusetts and on manufacturing lines owned by us at a facility located in China, operated by a subsidiary
of Flex. We acquire our components and materials from many suppliers in various countries. We work closely with our suppliers to ensure the continuity of
supply, but we cannot guarantee these efforts will always be successful. Further, while efforts are made to diversify our sources of components and materials,
in certain instances we acquire components and materials from a sole supplier. In addition, due to the stringent regulations and requirements of the FDA and
other  similar  non-U.S.  regulatory  agencies  regarding  the  manufacture  of  our  products,  we  may  not  be  able  to  quickly  establish  additional  or  replacement
sources  for  some  components  or  materials.  A  reduction  or  interruption  in  supply,  and  an  inability  to  develop  alternative  sources  for  such  supply,  could
adversely affect our ability to manufacture our products in a timely or cost-effective manner, and our ability to make product sales.

The  manufacture  of  our  product  is  highly  exacting  and  complex,  due  in  part  to  strict  regulatory  requirements.  Problems  in  the  manufacturing  process,
including equipment malfunction, failure to follow specific protocols and procedures, defective raw materials and environmental factors, could lead to launch
delays, product shortage, unanticipated costs, lost revenues and damage to our reputation. A failure to identify and address manufacturing problems prior to
the release of products to our customers may also result in a quality or safety issue. Significant manufacturing problems or inability to obtain key components
and materials could have a material adverse effect on our business, results of operations, financial condition and cash flows. In addition, as we commence
operation  of  new  manufacturing  lines,  we  could  experience  quality  issues  and  unexpected  operational  delays  that  decrease  our  gross  margins  and  cause  a
shortage of product supply.

Our success will depend on our ability to attract and retain personnel.

Over  the  last  several  years,  we  have  made  significant  changes  to  our  senior  management  team  and  to  many  other  positions  throughout  the  Company.  We
believe we will benefit substantially from the leadership and performance of these new and promoted employees. Our success will depend on our ability to
retain our employees, both domestically and abroad, and to attract and retain additional qualified personnel in the future. In addition, it is important to the
success of the Company that the transition of new and promoted

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employees and executives be largely seamless. Competition for senior management personnel, and other highly skilled personnel is intense and there can be
no assurances that we will be able to retain our personnel. The loss of the services of members of our senior management, and other highly skilled personnel
could prevent or delay the implementation and completion of our objectives or divert management’s attention to seeking qualified replacements.

Additionally, the sale and after-sale support of the Omnipod System is logistically complex, requiring us to maintain an extensive infrastructure of field sales
personnel, diabetes educators, customer support, insurance specialists, and billing and collections personnel. We face considerable challenges in recruiting,
training,  managing,  motivating  and  retaining  these  employees,  including  managing  geographically  dispersed  teams.  If  we  fail  to  maintain  and  grow  an
adequate pool of trained and motivated personnel, our reputation could suffer, and our financial position could be adversely affected.

If we do not effectively manage our growth, our business resources may become strained and we may not be able to deliver the Omnipod System in a
timely manner, which could harm our results of operations.

As we continue to expand our sales internationally, we will need to obtain regulatory approvals and reimbursement agreements with government agencies or
private  third-party  payors  in  those  countries.  Failure  to  obtain  such  agreements  would  limit  our  ability  to  successfully  penetrate  those  foreign  markets.  In
addition,  the  geographic  expansion  of  our  business  will  require  additional  manufacturing  capacity  to  supply  those  markets  as  well  as  additional  sales  and
marketing resources.

We expect to continue to increase our manufacturing capacity, our personnel and the scope of our U.S. and international sales and marketing efforts. This
growth, as well as any other growth that we may experience in the future, will provide challenges to our organization and may strain our management and
operations  resources.  In  order  to  manage  future  growth,  we  will  be  required  to  improve  existing,  and  implement  new,  sales  and  marketing  efforts  and
distribution channels. The form and function of our enterprise information technology systems will need to change and be improved upon as our business
needs change. We will need to manage our supply chain effectively, including the development of our U.S. manufacturing, our relationship with Flex and
other suppliers going forward. We may also need to partner with additional third-party suppliers to manufacture certain components of the Omnipod System
and complete additional manufacturing lines in the future. A transition to new suppliers may result in additional costs or delays. We may misjudge the amount
of time or resources that will be required to effectively manage any anticipated or unanticipated growth in our business or we may not be able to manufacture
sufficient inventory, or attract, hire and retain sufficient personnel to meet our needs. If we cannot scale our business appropriately, maintain control over
expenses or otherwise adapt to anticipated and unanticipated growth, our business resources may become strained, we may not be able to deliver the Omnipod
System in a timely manner and our results of operations may be adversely affected.

If  we  choose  to  acquire  or  invest  in  new  businesses,  products  or  technologies,  instead  of  developing  them  ourselves,  these  acquisitions  or  investments
could disrupt our business and could result in the use of significant amounts of equity, cash or a combination of both.

From  time  to  time  we  may  seek  to  acquire  or  invest  in  new  businesses,  products  or  technologies,  instead  of  developing  them  ourselves.  Acquisitions  and
investments involve numerous risks, including:

•

•

•

•

•

•

•

•

•

•

the inability to complete the acquisition or investment;

disruption of our ongoing businesses and diversion of management attention;

difficulties in integrating the acquired entities, products or technologies;

risks associated with acquiring intellectual property;

difficulties in operating the acquired business profitably;

the inability to achieve anticipated synergies, cost savings or growth;

potential loss of key employees, particularly those of the acquired business;

difficulties in transitioning and maintaining key customer, distributor and supplier relationships;

risks associated with entering markets in which we have no or limited prior experience; and

unanticipated costs.

In addition, any future acquisitions or investments may result in one or more of the following:

•

•

•

•

•

dilutive issuances of equity securities, which may be sold at a discount to market price;

the use of significant amounts of cash;

the incurrence of debt;

the assumption of significant liabilities;

increased operating costs or reduced earnings;

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Table of Contents

•

•

•

financing obtained on unfavorable terms;

large one-time expenses; and

the  creation  of  certain  intangible  assets,  including  goodwill,  the  write-down  of  which  in  future  periods  may  result  in  significant  charges  to
earnings.

Any of these factors could materially harm our stock price, business, financial condition and results of operations.

We need to expand our distribution network to maintain and grow our business and revenue. If we fail to expand and maintain an effective sales force or
successfully develop our relationships with intermediaries, our business, prospects and brand may be materially and adversely affected.

We  currently  promote,  market  and  sell  the  majority  of  the  Omnipod  System  through  our  own  direct  sales  force.  However,  we  also  utilize  domestic  and
international intermediaries to distribute our product to end-users. We cannot assure you that we will be able to successfully develop our relationships with
third-party intermediaries. If we fail to do so, our sales could fail to grow or could decline, and our ability to grow our business could be adversely affected.
Intermediaries that are in the business of selling other medical products may not devote a sufficient level of resources and the support required to generate
awareness of our products and grow or maintain product sales. If our intermediaries are unwilling or unable to market and sell our products, or if they do not
perform to our expectations, we could experience delayed or reduced market acceptance and sales of our products.

The price of our common stock may be volatile.

The market price of our common stock is affected by a number of factors, including:

•

•

•

•

•

•

•

•

•

•

•

•

failure to maintain and increase production capacity and reduce per unit production costs;

changes in the availability of third-party reimbursement in the United States or other countries;

volume and timing of orders for our products;

developments in administrative proceedings or litigation related to intellectual property rights;

issuance of patents to us or our competitors;

the announcement of new products or product enhancements by us or our competitors;

the announcement of technological or medical innovations in the treatment or diagnosis of diabetes;

changes in governmental regulations or in the status of our regulatory approvals or applications;

publication of clinical studies relating to our products or a competitor’s product;

quarterly variations in our or our competitors’ results of operations;

changes in earnings estimates or recommendations by securities analysts; and

general  market  conditions  and  other  factors,  including  factors  unrelated  to  our  operating  performance  or  the  operating  performance  of  our
competitors.

At times, the fluctuations in the market price of our common stock have been unrelated or disproportionate to our operating performance. In particular, the
U.S.  equity  markets  have  at  times  experienced  significant  price  and  volume  fluctuations  that  have  affected  the  market  prices  of  equity  securities  of  many
technology companies. Broad market and industry factors such as these could materially and adversely affect the market price of our stock, regardless of our
actual operating performance.

Conversion of any of our Convertible Senior Notes may dilute the ownership interest of existing stockholders or depress our stock price.

The conversion of some or all our Convertible Senior Notes may dilute the ownership interests of existing stockholders. Any sales in the public market of any
of  our  common  stock  issuable  upon  such  conversion  could  adversely  affect  prevailing  market  prices  of  our  common  stock.  In  addition,  the  anticipated
conversion of the Convertible Senior Notes into a combination of cash and shares of our common stock could depress the price of our common stock.

Our ability to use net operating loss carryforwards may be subject to limitation.

Section 382 of the U.S. Internal Revenue Code of 1986, as amended, imposes an annual limit on the amount of net operating loss carryforwards that may be
used to offset taxable income when a corporation has undergone significant changes in its stock ownership or equity structure. Our ability to use net operating
losses may be limited by prior changes in our ownership and may be further limited by the issuance of common stock in connection with the conversion of
our Convertible Senior Notes, or by the consummation of other transactions. As a result, if we earn net taxable income, our ability to use net operating loss
carryforwards to offset U.S. federal taxable income may become subject to limitations, which could potentially result in increased future tax liabilities for us.

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Item 1B. Unresolved Staff Comments

None.

Item 2. Properties

Our owned global headquarters, which encompasses our U.S. manufacturing and office facility in Acton, Massachusetts is approximately 300,000 square feet.
We also lease a total of approximately 200,000 square feet of office, research and development and warehousing space and other related facilities primarily in
the U.S., Europe and Canada.

Item 3. Legal Proceedings

The information required by this Item is provided under “Legal Proceedings” in Note 13 to the consolidated financial statements included under Item 8 of this
Form 10-K and is incorporated herein by reference.

Item 4. Mine Safety Disclosures

Not applicable.

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PART II

Item 5. Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities

MARKET FOR REGISTRANT’S COMMON EQUITY

Our common stock is listed on The NASDAQ Global Market (“NASDAQ”) under the trading symbol PODD.

As of February 20, 2020, there were 9 registered holders of record of our common stock. The number of beneficial stockholders of our shares is greater than
the number of stockholders of record.

Performance Graph

The following graph shows the cumulative total return on $100 invested in each of our common stock, the NASDAQ Composite Index and the NASDAQ
Health Care Index for the five-year period beginning on December 31, 2014, and ending on December 31, 2019, assuming reinvestment of all dividends. The
historical stock price performance on the graph below is not necessarily indicative of future stock price performance.

Insulet Corporation

NASDAQ Composite

NASDAQ Health Care

2014

2015

2016

2017

2018

2019

100 $

82 $

82 $

150 $

172 $

372

100 $

106 $

114 $

146 $

140 $

100 $

107 $

89 $

108 $

103 $

189

130

$

$

$

The material in this performance graph is not soliciting material, is not deemed filed with the SEC and is not incorporated by reference in any filing of Insulet
Corporation under the Securities Act of 1933, as amended or the Securities Exchange Act of 1934, as amended, whether made on, before or after the date of
this filing and irrespective of any general incorporation language in such filing.

Dividends

We currently intend to retain any earnings to finance research and development and the operation and expansion of our business and do not anticipate paying
any cash dividends for the foreseeable future.

Issuer Purchases of Equity Securities

None.

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Item 6. Selected Financial Data

The following table presents selected financial and other data for Insulet Corporation. The consolidated statement of operations data set forth below for 2019,
2018 and 2017, and the consolidated balance sheet data as of December 31, 2019 and December 31, 2018, are derived from our audited consolidated financial
statements included elsewhere in this annual report. The consolidated statement of operations data for 2016 and 2015 and the consolidated balance sheet data
as of December 31, 2017, December 31, 2016 and December 31, 2015 are derived from our audited consolidated financial statements that are not included in
this annual report.

The selected historical financial data presented below should be read in conjunction with our consolidated financial statements and accompanying notes and
“Management’s Discussion and Analysis of Financial Condition and Results of Operations” included elsewhere in this annual report.

(in millions, except per share data)

2019

2018

2017

2016

2015

Years Ended December 31,

Consolidated Statement of Operations Data:

Revenue

Gross profit
Operating income (loss) (1)
Income (loss) from continuing operations (2)
Income (loss) from continuing operations per share:

Basic

Diluted

Weighted-average number of shares:

Basic

Diluted

Consolidated Balance Sheet Data:

Total assets

Convertible debt, net

Shareholders’ equity

$

$

$

$

$

$

$

$

$

738.2   $

480.3   $

50.0   $

11.6   $

0.19   $

0.19   $

60.6  

62.3  

1,142.9   $

887.9   $

75.9   $

563.8   $

370.2   $

27.4   $

3.3   $

0.06   $

0.05   $

58.9  

61.0  

928.7   $

592.0   $

212.1   $

463.8   $

277.2   $

(7.4)   $

(26.8)   $

(0.46)   $

(0.46)   $

58.0  

58.0  

816.7   $

566.2   $

158.5   $

367.0   $

211.1   $

(10.7)   $

(27.2)   $

(0.48)   $

(0.48)   $

57.3  

57.3  

456.6   $

332.8   $

63.2   $

263.9

133.3

(48.7)

(61.6)

(1.08)

(1.08)

56.8

56.8

275.1

172.0

34.1

(1)  2018  includes  a  charge  of  $12.6  million  for  severance  costs  associated  with  the  retirement  of  the  Company’s  former  CEO,  of  which  $8.2  million

represented stock-based compensation expense resulting from the accelerated vesting of equity awards.

(2) 2019 includes an $8.7 million loss on extinguishment of debt.

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Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations

The following discussion and analysis of our financial condition and results of operations should be read in conjunction with our selected financial data
and our consolidated financial statements and the accompanying notes included in this annual report. The following discussion may contain forward-looking
statements that reflect our plans, estimates and beliefs, which are subject to risks, uncertainties and assumptions. Our actual results could differ materially
from  those  discussed  in  these  forward-looking  statements.  Factors  that  could  cause  or  contribute  to  these  differences  include  those  discussed  under  the
headings “Risk Factors” and “Forward-Looking Statements.”

Overview

We are primarily engaged in the development, manufacture and sale of our proprietary Omnipod System, an innovative, continuous insulin delivery system
for people with insulin-dependent diabetes. There are two primary types of insulin therapy practiced today: MDI therapy using syringes or insulin pens; and
pump therapy using insulin pumps. Insulin pumps are used to perform continuous subcutaneous insulin infusion, or insulin pump therapy, and typically use a
programmable device and an infusion set to administer insulin into a person’s body. Insulin pump therapy has been shown to provide people with insulin-
dependent diabetes with numerous advantages relative to MDI therapy. The Omnipod System features a small, lightweight, self-adhesive disposable tubeless
Omnipod device that is worn on the body for up to three days at a time and its wireless companion, the handheld PDM. The Omnipod System, which features
two  discreet  and  easy-to-use  devices,  communicates  wirelessly,  provides  for  virtually  pain-free  automated  cannula  insertion  and  eliminates  the  need  for
traditional MDI therapy or the use of traditional pump and tubing. We believe that the Omnipod System’s unique proprietary design and features allow people
with insulin-dependent diabetes to manage their diabetes with unprecedented freedom, comfort, convenience and ease.

The Omnipod is currently available in the United States, Canada and certain countries in Europe and the Middle East. We sell the Omnipod through direct
sales to consumers or through our distribution partners and most recently in the U.S. through the pharmacy channel.

In  addition  to  the  diabetes  market  space,  we  have  partnered  with  pharmaceutical  and  biotechnology  companies  to  tailor  the  Omnipod  System  technology
platform  for  the  delivery  of  subcutaneous  drugs  across  other  therapeutic  areas.  Most  of  our  drug  delivery  revenue  currently  consists  of  sales  of  Pods  to
Amgen  for  use  in  the  Neulasta  Onpro  kit,  an  innovative  delivery  system  for  Amgen’s  white  blood  cell  booster  to  help  reduce  the  risk  of  infection  after
intense chemotherapy.

Our mission is to improve the lives of people with diabetes. To assist in achieving this mission, we are focused on the following strategic objectives:

•

•

•

•

delivering consumer-focused innovation;

ensuring the best customer experience globally;

expanding our global footprint; and

driving operational excellence.

In the first half of 2019, we began production at our new highly automated manufacturing facility in Acton, Massachusetts, which also serves as our new
global  headquarters.  We  expect  that,  following  start  up  related  activities,  the  new  facility  will  allow  us  to  lower  our  manufacturing  costs,  increase  supply
redundancy,  add  capacity  closer  to  our  largest  customer  base  and  support  growth.  As  of  December  31,  2019,  we  had  made  cumulative  investments  of
approximately $320 million in property, plant and infrastructure related to the new facility. We expect to continue to expand our investment in this facility in
2020 to support the growth of our business.

Additionally, in the first half of 2019, we completed a full market launch of Omnipod DASH in the United States. Omnipod DASH is our next-generation
digital  mobile  Omnipod  platform,  featuring  a  secure  Bluetooth  enabled  Pod  and  PDM  with  a  color  touch  screen  user  interface  supported  by  smartphone
connectivity. In December of 2019, we introduced DASH to select European markets.

In late 2019, we completed our pre-pivotal trial for Omnipod Horizon, a closed loop control system that utilizes the DASH mobile platform to allow the Pod
to communicate with a continuous glucose monitor and help control insulin delivery utilizing an algorithm located on the Pod. In December 2019, we began
patient enrollment in our pivotal trial. We expect to launch Omnipod Horizon in the second half of 2020. While we expect Horizon to contribute to our long-
term revenue growth, we do not expect it to meaningfully contribute to growth in 2020.

Our  long-term  financial  objective  is  to  sustain  profitable  growth.  To  achieve  this  goal,  we  expect  our  efforts  in  2020  to  focus  primarily  on  the  launch  of
Omnipod Horizon in the United States. In order to support our continued growth and the expected launch of Omnipod Horizon, in 2020 we also plan to focus
on  the  startup  of  our  second  manufacturing  line  in  our  Acton  facility  and  the  installation  of  a  third  U.S.  manufacturing  line,  which  we  expect  to  begin
production on in 2021. Additionally, in 2020, we

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expect to enter five new countries in Western Europe and the Middle East and further roll out DASH in Europe and Canada to expand the commercial sale of
Omnipod and our global footprint. While we expect these new countries to contribute to our long-term revenue growth, we do not expect them to have a
meaningful  contribution  in  2020.  Finally,  we  plan  to  continue  our  product  development  efforts  and  expand  awareness  of  and  access  to  our  products.
Achieving  these  objectives  is  expected  to  require  additional  investments  in  certain  initiatives  and  personnel,  as  well  as  enhancements  to  our  supply  chain
operation capacity, efficiency and effectiveness.

Results of Operations

(In millions)

Revenue

U.S. Omnipod

International Omnipod

Total Omnipod

Drug Delivery

Total revenue

Cost of revenue

Gross profit

Gross margin

Operating expenses:

Research and development

Sales and marketing

General and administrative

Total operating expenses

Operating income (loss)

Interest expense, net of portion capitalized

Loss on extinguishment of debt

Interest and other income, net

Income (loss) before income taxes

Income tax expense

Net income (loss)

NM = Not meaningful

Years Ended December 31,
  Change $

2018

Change %  

2018

Years Ended December 31,
  Change $

2017

Change %

$

2019

420.4

253.1

673.5

64.7

738.2

257.9

480.3

  $

  $

323.5

172.0

495.5

68.3

563.8

193.6

370.2

96.9  

81.1  

178.0  

(3.6)  

174.4  

64.3  

110.1  

  $

  $

30 %   $

47 %  

36 %  

(5)%  

31 %  

33 %  

30 %  

323.5

172.0

495.5

68.3

563.8

193.6

370.2

271.6

120.0

391.6

72.2

463.8

186.6

277.2

65.1%  

65.7%    

65.7%  

59.8%    

129.7

185.1

115.5

430.3

50.0

(34.6)

(8.7)

7.8

14.5

(2.9)

90.5

146.2

106.1

342.8

27.4

(28.9)

—  

6.7

5.2

(1.9)

$

11.6

  $

3.3

  $

39.2  

38.9  

9.4  

87.5  

22.6  

(5.7)  

(8.7)  

1.1  

9.3  

(1.0)  

8.3  

43 %  

27 %  

9 %  

26 %  

82 %  

20 %  

NM  

16 %  

179 %  

53 %  

90.5

146.2

106.1

342.8

27.4

(28.9)

—  

6.7

5.2

(1.9)

75.7

124.2

84.7

284.6

(7.4)

(21.2)

(0.6)

2.6

(26.6)

(0.2)

252 %   $

3.3

  $

(26.8)

  $

51.9  

52.0  

103.9  

(3.9)  

100.0  

7.0  

93.0  

14.8  

22.0  

21.4  

58.2  

34.8  

(7.7)  

0.6  

4.1  

31.8  

(1.7)  

30.1  

19 %

43 %

27 %

(5)%

22 %

4 %

34 %

20 %

18 %

25 %

20 %

470 %

36 %

NM

158 %

120 %

850 %

112 %

Comparison of the Years Ended December 31, 2019 and December 31, 2018

Revenue

Total revenue for 2019 increased $174.4 million, or 31%, to $738.2 million, compared with $563.8 million  in  2018  due  to  strong  growth  in  our  U.S.  and
International Omnipod revenue. U.S. Omnipod revenue increased $96.9 million, or 30%, to $420.4 million, primarily due to higher volumes as we continue to
expand awareness of and access to the Omnipod, and increased sales through the pharmacy channel, which has higher average selling prices due in part to the
fact that we offer the PDM for no charge. International Omnipod revenue increased $81.1 million, or 47%, to $253.1 million, primarily due to the continued
adoption  of  our  product  and  more  favorable  pricing  as  a  result  of  our  shift  to  direct  sales  of  the  Omnipod  in  Europe  in  July  2018.  Drug  Delivery
revenue decreased $3.6 million, or 5%, to $64.7 million, compared with 2018.

For 2020, we expect strong Omnipod revenue growth driven by continued market penetration and continued volume growth of Omnipod DASH, primarily in
the  U.S.  pharmacy  channel,  partially  offset  by  lower  Drug  Delivery  revenue,  due  to  a  lower  demand  forecast.  Internationally,  we  expect  higher  revenues
primarily due to increasing sales volume as a result of greater awareness and availability of the Omnipod and further roll out of Omnipod DASH in Europe
and Canada. In the U.S., we expect higher revenues primarily due to an increase in sales volume as a result of expanded payor coverage, greater awareness
and availability of the Omnipod, commercial expansion strategies and the move into the pharmacy channel.

Gross Margin

Gross  margin  was  65.1%  of  revenue  in  2019,  compared  with  65.7%  in  2018.  The  decrease  in  gross  margin  was  primarily  due  to  start-up  costs  and
inefficiencies related to our new U.S. manufacturing operations and product mix, which more than offset favorable distribution channel mix, favorable pricing
following the expiration of our former distribution agreement in Europe and favorable geographic mix. We expect full year 2020 gross margin to be relatively
consistent with 2019, which reflects the benefits of continued

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improvements in manufacturing and supply chain operations and the move into the pharmacy channel in the U.S., offset by start-up costs and inefficiencies as
we continue to ramp up our U.S. manufacturing operations.

Research and Development

Research and development expenses for 2019 increased $39.2 million, or 43%, to $129.7 million, compared with $90.5 million in 2018. This increase was
primarily due to an increase in research and development expenses related to Omnipod DASH and our Omnipod Horizon automated insulin delivery system.
Research and development expenses also increased due to engineering and operational costs, such as training and start up activities, associated with our newly
constructed U.S. manufacturing facility. We expect research and development spending for the full year 2020 to increase compared with 2019.

Sales and Marketing

Sales  and  marketing  expenses  for  2019  increased  $38.9  million,  or  27%,  to  $185.1  million,  compared  with  $146.2  million  in  2018.  This  increase  was
primarily  attributable  to  investments  to  support  our  mid-2018  transition  to  direct  sales  of  Omnipod  in  Europe,  the  expansion  of  our  U.S.  sales  force  and
investments in customer support. We expect sales and marketing expenses for the full year 2020 to increase compared with 2019 due to additional expansion
of our U.S. sales force and customer support personnel to facilitate our continued growth and expected entry into five new countries.

General and Administrative

General and administrative expenses for 2019 increased $9.4 million, or 9%, to $115.5 million, compared with $106.1 million  in  2018.  This  increase  was
primarily attributable to increased personnel-related costs related to 2018 hires to support the establishment of our direct operations in Europe and increased
depreciation related to our new headquarters facility, partially offset by $12.6 million of severance charges in 2018 related to the retirement of our former
CEO, including stock-based compensation expense for the accelerated vesting of equity awards. We expect general and administrative expenses for 2020 to
increase compared with 2019 as we continue to grow our business and make investments in our operating structure to support growth.

Interest Expense, Net of Portion Capitalized

Interest expense, net for 2019 increased $5.7 million, or 20%, to $34.6 million, compared with 2018. Interest expense, net for 2019 includes $9.5 million of
cash  interest  expense  and  $35.6  million  of  non-cash  interest  expense  associated  with  our  convertible  debt,  partially  offset  by  $10.5  million  of  interest
capitalized as part of the cost of our U.S. manufacturing facility. The increase in interest expense, net primarily resulted from a $6.3 million increase in non-
cash interest expense resulting from net impact of the issuance of $800.0 million of 0.375% convertible notes and the repayment of $402.5 million principal
amount of 1.25% convertible notes. We expect interest expense for 2020 to increase compared with 2019 due to the annualized impact of the higher non-cash
interest expense associated with the 0.375% convertible notes, compared with the 1.25% convertible notes.

Loss on Extinguishment of Debt

During 2019, we incurred an $8.7 million loss on extinguishment of debt related to the repurchase of our 1.25% Notes.

Interest and Other Income, Net

Other income, net for 2019 increased $1.1 million, to $7.8 million, compared with $6.7 million in 2018. This increase was primarily due to a $1.8 million
insurance settlement received, partially offset by a decrease in interest income on our investment portfolio.

Income Tax Expense

Income tax expense was $2.9 million and $1.9 million on pre-tax income of $14.5 million and $5.2 million for 2019 and 2018, respectively. Our effective tax
rate was 19.8% and 37.0% for 2019 and 2018, respectively. The decrease in our effective tax rate primarily resulted from an increase in earnings in the U.S.,
which has a full valuation allowance. See Note 18 to the consolidated financial statements for additional information on our income tax expense.

Comparison of the Years Ended December 31, 2018 and December 31, 2017

Revenue

Total revenue for 2018 increased $100.0 million, or 22%, to $563.8 million, compared with $463.8 million in 2017, primarily due to continued growth in our
International and U.S. Omnipod revenue. International Omnipod revenue increased $52.0 million, or 43%, to $172.0 million,  primarily  due  to  both  higher
volumes and pricing as a result of our shift to direct sales of the Omnipod in Europe in July 2018. U.S. Omnipod revenue increased $51.9 million, or 19%, to
$323.5 million due to expanded access to and awareness of the Omnipod System. Our Drug Delivery revenue decreased $3.9 million, or 5%, to $68.3 million,
primarily  reflecting  a  lower  number  of  shipments  during  the  year,  partially  offset  by  the  favorable  impact  of  adoption  of  new  accounting  guidance  that
requires  our  drug  delivery  revenue  to  be  recognized  as  the  product  is  produced  rather  than  at  time  of  shipment  as  further  described  in  Note  2  to  the
consolidated financial statements.

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Gross Margin

Cost  of  revenue  was  65.7%  of  revenue  in  2018,  compared  with  59.8%  in  2017.  The  significant  increase  in  gross  margin  was  primarily  due  to  favorable
pricing resulting from our shift to direct sales in Europe following the expiration of our former distributor agreement and lower product cost as a result of
continued improvements in manufacturing and supply chain operations.

Research and Development

Research  and  development  expenses  for  2018 increased $14.8 million,  or  20%,  to  $90.5  million,  compared  with  $75.7  million  in  2017.  This  increase  in
research and development expenses was primarily due to an increase in expenses related to Omnipod DASH and our Omnipod Horizon automated insulin
delivery  system.  Research  and  development  expenses  also  increased  due  to  engineering  and  operational  costs,  such  as  training  and  start  up  activities,
associated with our newly constructed U.S. manufacturing facility at which production began in 2019.

Sales and Marketing

Sales and marketing expenses for 2018 increased $22.0 million, or 18% to $146.2 million in 2018, compared with $124.2 million in 2017. This increase in
sales  and  marketing  expenses  was  primarily  due  to  investments  to  support  our  mid-2018  transition  to  direct  sales  of  Omnipod  in  Europe  as  well  as  the
expansion of our U.S. sales force and customer support personnel. These increases were partially offset by the capitalization of commission costs related to
new customer contracts in connection with the adoption of new revenue recognition guidance described in Note 2 to the consolidated financial statements.

General and Administrative

General  and  administrative  expenses  for  2018 increased $21.4 million,  or  25%,  to  $106.1 million, compared with $84.7 million  in  2017.  This  increase  in
general and administrative expenses was primarily due to $12.6 million of severance charges associated with the retirement of our former CEO, of which $8.2
million related to stock-based compensation expense for the accelerated vesting of equity awards. General and administrative expenses also increased due to
personnel costs to support the establishment of our direct commercial operations in Europe.

Interest Expense, Net of Portion Capitalized

Interest expense, net for 2018 increased $7.7 million, or 36%, to $28.9 million, compared with to 2017. Interest expense, net for 2018 includes $9.8 million of
cash  interest  expense  and  $29.3  million  of  non-cash  interest  expense  associated  with  our  convertible  debt,  partially  offset  by  $10.2  million  of  interest
capitalized as part of the cost of our U.S. manufacturing facility. The increase in interest expense, net was primarily due to the full year effect of interest
expense associated with our 1.375% Notes, which were issued in November 2017, partially offset by a $7.1 million increase in capitalized interest.

Interest and Other Income, Net

Interest and other income, net increased $4.1 million, to $6.7 million for 2018, compared with 2017. This increase was primarily due to an increase in interest
income on our investment portfolio.

Income Tax Expense

Income tax expense was $1.9 million in 2018, compared with $0.2 million in 2017. The increase of $1.7 million in income tax expense was primarily due to
growth  in  our  international  operations  where  we  do  not  have  net  operating  loss  carryforwards.  See  Note  18  to  the  consolidated  financial  statements  for
additional information on our income tax expense.

Liquidity and Capital Resources

As of December 31, 2019, we had $213.7 million in cash and cash equivalents and $220.8 million of investments in marketable securities. We believe that our
current liquidity will be sufficient to meet our projected operating, investing and debt service requirements for at least the next twelve months.

Convertible Debt

To  finance  our  operations  and  global  expansion,  we  have  periodically  issued  convertible  senior  notes,  which  are  convertible  into  our  common  stock.  In
September 2019, we issued $800.0 million aggregate principal amount of 0.375% Convertible Senior Notes due September 2026. The net proceeds of $780.2
million were used to partially fund the redemption of our 1.25% Convertible Senior Notes due September 2021 and for the purchase of capped call options
(“Capped Calls”) on our common stock. By entering into the Capped Calls, we expect to reduce the potential dilution to our common stock (or, in the event
the conversion is settled in cash, to provide a source of cash to settle a portion of our cash payment obligation) in the event that at the time of conversion our
stock price exceeds the conversion price under the Convertible Senior Notes. The Capped Calls have an initial strike price of $335.90 per share and cover 3.5
million shares of our common stock.

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As of December 31, 2019, the following notes were outstanding:

Issuance Date
November 2017

September 2019

Total

Coupon
1.375%

0.375%

Principal Outstanding
(in millions)

  $

  $

402.5  

800.0  

1,202.5    

Due Date
November 2024

September 2026

Initial Conversion Rate per
Share of Common Stock
10.7315

Conversion Price
per Share of Common Stock
$93.18

4.4105

$226.73

Additional information regarding our debt issuances is provided in Note 12 to the consolidated financial statements.

Summary of Cash Flows

(in millions)
Cash provided by (used in):

Operating activities

Investing activities

Financing activities

Effect of exchange rate changes on cash

Net increase (decrease) in cash and cash equivalents

Years Ended December 31,

2019

2018

  $

  $

98.4   $

(73.6)  

73.5  

1.5  

99.8   $

35.9

(184.5)

(8.7)

(1.4)

(158.7)

The discussion of our operating, financing and investing activities for 2017 has been omitted from this Form 10-K but can be found in Item 7. Management’s
Discussion and Analysis and Results of Operations in our Form 10-K/A for the fiscal year ended December 31, 2018 filed with the Securities and Exchange
Commission on February 28, 2019.

Operating Activities

Net cash provided by operating activities of $98.4 million in 2019  was  primarily  attributable  to  net  income,  as  adjusted  for  non-cash  interest,  stock-based
compensation, depreciation and amortization, partially offset by a $19.7 million working capital cash outflow. The working capital outflow was driven by a
$30.2 million increase in inventories and a $21.9 million increase in prepaid expenses and other assets, partially offset by a $36.2 million increase in accounts
payable, accrued expenses and other current liabilities, primarily driven by timing of payments. The increase in inventories was primarily due to an increase
in  raw  materials  and  finished  goods  related  to  the  startup  of  our  U.S.  manufacturing  plant  and  an  increase  in  work-in-process  to  support  demand  for  our
product. The increase in prepaid expenses and other assets was primarily driven by an increase in operating lease assets resulting from new leases entered into
during the year and an increase in deferred commissions.

Net cash provided by operating activities of $35.9 million in 2018 was primarily attributable to net income, as adjusted for stock-based compensation, non-
cash interest, depreciation and amortization, partially offset by a $52.8 million working capital cash outflow. The working capital outflow was driven by a
$38.8 million increase in inventories to support higher demand for our product and a $22.9 million increase in accounts and unbilled receivables driven by our
shift to direct sales of the Omnipod in Europe and the adoption of new revenue guidance on January 1, 2018, which resulted in recording $13.4 million of
unbilled revenue at December 31, 2018.

Investing Activities

Net cash used in investing activities was $73.6 million and $184.5 million in 2019 and 2018, respectively.

Capital Spending—Capital expenditures were $163.7 million and $157.4 million for 2019 and 2018, respectively, primarily associated with the construction
of our manufacturing and corporate headquarters facility in Acton, Massachusetts. We expect capital expenditures for 2020 to be relatively consistent with
2019 as we continue to expand manufacturing capacity to support our growth and the launch of Omnipod Horizon. We expect to fund our capital expenditures
using a combination of existing cash and investments as well as cash generated from operations.

Purchases  and  Sales  of  Investments—During  2019,  net  sales  of  marketable  securities  were  $97.3  million,  compared  with  net  purchases  of  marketable
securities  of  $22.1 million  for  2018.  The  increase  in  net  sales  of  marketable  securities  was  driven  by  a  shift  in  a  portion  of  our  investment  portfolio  to
investments that are classified as cash equivalents in order to satisfy future cash needs.

Financing Activities

Net cash provided by financing activities was $73.5 million in 2019, compared with net cash used in financing activities of $8.7 million in 2018.

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Debt  Issuance  and  Repayment—As  previously  discussed  under  “Convertible  Debt”  during  2019,  we  received  net  proceeds  of  $780.2  million  from  the
issuance of our 0.375% Notes. We used $663.6 million of the proceeds to partially fund the redemption of our 1.25% Notes and $85.4 million to purchase
Capped Calls. During 2018, we paid $6.7 million to settle all our outstanding 2% Notes.

Option  Exercises  and  Issuance  of  Shares  Under  Employee  Stock  Purchase  Plan  (“ESPP”)—Total  proceeds  from  option  exercises  and  the  issuance  of
common stock under our ESPP increased $35.1 million to $50.9 million in 2019, compared with $15.8 million in 2018. This increase was primarily driven by
option  exercises  stemming  from  the  retirement  of  our  former  CEO  and  the  departure  of  other  executives,  partially  offset  by  a  $9.2  million  decrease  in
payments of withholding taxes related to net restricted share settlements. The decrease in tax payments was driven by a reduction in the vesting of restricted
shares  in  2019,  compared  with  2018,  which  was  also  due  to  the  retirement  of  our  former  CEO  and  departure  of  other  executives  in  2018  and  2019,
respectively.

Commitments and Contingencies

Contractual Obligations—A summary of our contractual obligations and commitments for debt, operating lease obligations and other obligations
at December 31, 2019 is presented in the following table:

(in millions)
Operating lease obligations

Debt obligations

Interest payments

Purchase obligations (1)

Total contractual obligations

  $

Total

2020

2021

2022

2023

2024

Thereafter

  $

20.6   $

1,202.5  
46.9  
158.7  
1,428.7   $

4.7   $
—  
8.5  
115.8  
129.0   $

5.0   $
—  
8.5  
40.9  
54.4   $

4.7   $
—  
8.5  
2.0  
15.2   $

2.3   $
—  
8.5  
—  
10.8   $

2.4   $

402.5  
7.8  
—  
412.7   $

1.5

800.0

5.1

—

806.6

(1) 

Purchase  obligations  include  commitments  for  the  purchase  of  Omnipod  System  components,  commitments  related  to  establishing  additional
manufacturing capabilities and other commitments for purchases of goods or services in the normal course of business. These commitments are derived
from purchase orders, supplier contracts and open orders based on projected demand information.

Following the expiration of an agreement with a former European distributor on June 30, 2018, we were required to pay a quarterly per-unit fee for Omnipod
sales to certain customers of the former European distributor for a one-year period through June 30, 2019. The methodology applicable for determining the
total fee under the distribution agreement is subject to an active arbitration proceeding in Switzerland. The final amount of the fee could vary significantly
depending  on  the  number  of  customers  who  count  for  purposes  of  calculating  the  fee  under  the  terms  of  the  agreement;  accordingly,  this  fee  has  been
excluded from the contractual obligations table above. We estimate that the final aggregate fee for the applicable twelve-month period could be in the range
of $5 million to $55 million. We paid $3.8 million and $1.3 million of this fee during 2019 and 2018, respectively.

Off-Balance Sheet Arrangements

As of December 31, 2019, we had various outstanding letters of credit and bank guarantees totaling $2.9 million, none of which are individually significant.
The  Company  has  restricted  cash  that  serves  as  collateral  for  these  outstanding  letters  of  credit  and  bank  guarantees  that  is  included  in  cash  and  cash
equivalents on the consolidated balance sheet.

Critical Accounting Policies and Estimates

The  preparation  of  our  consolidated  financial  statements  in  conformity  with  U.S.  GAAP  requires  management  to  use  judgment  in  making  estimates  and
assumptions  that  affect  the  reported  amounts  of  assets,  liabilities,  revenue  and  expenses,  and  related  disclosure  of  contingent  assets  and  liabilities.  The
following  accounting  policies  are  based  on,  among  other  things,  judgments  and  assumptions  made  by  management  that  include  inherent  risks  and
uncertainties. Management’s estimates are based on the relevant information available at the end of each period.

Revenue Recognition

We recognize revenue when a customer obtains control of the promised products in an amount that reflects the net consideration to which we expect to be
entitled.  We  sell  products  both  direct  to  consumers  and  through  distributors  who  resell  the  products  to  consumers.  Transaction  price  is  typically  based  on
contracted  rates  less  any  estimates  of  claim  denials  and  historical  reimbursement  experience,  guidelines  and  payor  mix,  and  less  estimated  variable
consideration adjustments including rebates. Recognizing revenue requires us to exercise judgment and use estimates that can have a significant impact on the
amount  and  timing  of  revenue  we  report.  We  exercise  significant  judgment  when  we  determine  the  transaction  price,  including  variable  consideration
adjustments. The amount of variable consideration that is included in the transaction price is included in revenue only to the extent that it is probable that a
significant reversal in the amount of the cumulative revenue recognized will not occur in a future period. We estimate reductions to our revenues for rebates
paid  to  distributors  in  the  United  States  and  Canada  and  pharmacy  benefit  managers  (“PBM”)  in  the  United  States.  Rebates  are  based  on  contractual
arrangements, which may vary. Our estimates are based on products

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sold, historical experience, trends and, as available, channel inventory data. Rebates charged against gross sales amounted to $59.1 million, $34.1 million and
$16.1 million in 2019, 2018 and 2017, respectively. Provisions for rebates, sales discounts and returns, are accounted for as a reduction of sales when revenue
is recognized and are included within accounts receivable trade or accrued expenses and other current liabilities on our consolidated balance sheets, based
upon  the  recipient  of  the  rebate.  If  the  actual  amounts  of  consideration  that  we  receive  differ  from  our  estimates,  we  would  adjust  our  estimates  and  that
would affect reported revenue in the period that such variances become known.

Our drug delivery product line includes sales of a modified version of the Omnipod to pharmaceutical and biotechnology companies who use our technology
as a delivery method for their drugs. Revenue from the drug delivery product was $64.7 million for 2019. Revenue for this product line is recognized as the
product is produced. Accounting for drug delivery revenue requires us to select a method to measure progress towards the satisfaction of the performance
obligation. This election of the most meaningful measure of progress by which to recognize drug delivery revenue requires the application of judgment. We
elected the input method and selected a blend of cost and time to produce as the measure of progress. Accordingly, revenue is recognized over time using a
blend of costs incurred to date relative to total estimated costs at completion and time incurred to date relative to total production time to measure progress
toward the satisfaction of our performance obligations. We believe that both incurred cost and elapsed time reflect the value generated, which best depicts the
transfer  of  control  to  the  customer.  Contract  costs  include  third  party  costs  as  well  as  an  allocation  of  manufacturing  overhead.  Changes  from  quarter  to
quarter in quantity and stage of production of in-process inventory could have a significant quarterly impact on revenue.

Product Warranty

We provide a four-year warranty on our PDMs sold in the United States and Europe and a five-year warranty on PDMs sold in Canada and may replace Pods
that  do  not  function  in  accordance  with  product  specifications.  We  estimate  our  warranty  obligation  at  the  time  the  product  is  shipped  based  on  historical
experience and the estimated cost to service the claims. Warranty expense is recorded in cost of goods sold in the consolidated statements of operations. Costs
to service the claims reflect the current product cost. Since we continue to introduce new products and versions, the anticipated performance of the product
over the warranty period is also considered in estimating warranty reserves. Changes to the actual replacement rates, which are evaluated quarterly, could
have a material impact on our estimated warranty reserve.

Accounts Receivable and Allowance for Doubtful Accounts

We maintain an allowance for doubtful accounts for estimated losses resulting from the inability of our customers to make required payments. We evaluate
the collectability of our accounts receivable based on a combination of factors. We regularly analyze customer accounts, review the length of time receivables
are outstanding, review historical loss rates and assess current economic trends that may impact the level of credit losses in the future. Our allowance for
doubtful accounts has generally been adequate to cover our actual credit losses. However, since we cannot reliably predict future changes in the financial
stability of our customers, we may need to increase our reserves if the financial conditions of our customers deteriorate.

Contingencies

We  are  involved  in  various  legal  proceedings  that  arise  in  the  ordinary  course  of  business  as  further  discussed  in  Note  13  to  our  consolidated  financial
statements,  including  an  ongoing  arbitration  proceeding  with  a  former  European  distributor.  Accruals  recorded  for  various  contingencies  including  legal
proceedings, self-insurance and other claims, are based on judgment, both regarding the probability of losses and range of loss, and, where applicable, include
the  consideration  of  opinions  of  internal  and/or  external  legal  counsel.  When  a  range  is  established  but  a  best  estimate  cannot  be  made,  we  record  the
minimum loss contingency amount, which could be zero. An estimate is often initially developed substantially earlier than the ultimate loss is known and is
reevaluated each accounting period. As information becomes known, additional loss provision is recorded when either a best estimate can be made, or the
minimum loss amount is increased. When events result in an expectation of a more favorable outcome than previously expected, our best estimate is changed
to a lower amount. We record receivables from third-party insurers up to the amount of the related liability when we have determined that existing insurance
policies will provide reimbursement. In making this determination, we consider applicable deductibles, policy limits and the historical payment experience of
the insurance carriers.

Accounting Standards Issued and Not Yet Adopted as of December 31, 2019

In  December  2019,  the  Financial  Accounting  Standards  Board  (“FASB”)  issued  ASU  2019-12,  Income  Taxes  (Topic  740):  Simplifying  the  Accounting  for
Income Taxes. ASU 2019-12 eliminates certain exceptions in the current guidance regarding the approach for intraperiod tax allocations, the methodology for
calculating income taxes in an interim period and the recognition of deferred tax liabilities for outside basis differences. This new guidance also simplifies the
accounting for franchise taxes and enacted changes in tax laws or rates and clarifies such things as the accounting for transactions that result in a step up in
the tax basis of goodwill. The guidance is effective for us beginning in the first quarter of 2021 with early adoption permitted. We are currently evaluating the
impact of this guidance on our consolidated financial statements.

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In January 2017, the FASB issued ASU 2017-04, Simplifying the Test for Goodwill Impairment (“ASU 2017-04”). ASU 2017-04 requires an entity to measure
the impairment of goodwill assigned to a reporting unit as the amount by which the carrying value of the assets and liabilities of the reporting unit, including
goodwill, exceeds the reporting unit’s fair value. The guidance is effective for us beginning in the first quarter of 2020. Early adoption is permitted. We do not
expect the adoption of this guidance to impact our consolidated financial statements.

In June 2016, the FASB issued ASU 2016-13, Credit Losses (Topic 326) (“ASU 2016-13”). ASU 2016-13 requires financial assets measured at amortized
cost, such as our trade receivables and contract assets, to be presented net of expected credit losses, which may be estimated based on relevant information
such as historical experience, current conditions and future expectation for each pool of similar financial assets. The new guidance also requires enhanced
disclosures related to trade receivables and associated credit losses. The guidance is effective for us beginning in the first quarter of 2020. The adoption of this
guidance is not expected to have a material impact on our consolidated financial statements.

Forward-Looking Statements

This  Annual  Report  on  Form  10-K  contains  forward-looking  statements.  Forward-looking  statements  relate  to  future  events  or  our  future  financial
performance. We generally identify forward looking statements by terminology such as “may,” “will,” “should,” “expects,” “plans,” “anticipates,” “could,”
“intends,” “targets,” “projects,” “contemplates,” “believes,” “estimates,” “predicts,” “potential” or “continue” or the negative of these terms or other similar
words.  These  statements  are  only  predictions.  We  have  based  these  forward-looking  statements  largely  on  our  current  expectations  and  projections  about
future events and financial trends that we believe may affect our business, results of operations and financial condition.

Forward-looking statements involve risks, uncertainties and assumptions. Actual results may differ materially from those expressed in these forward-looking
statements. You should not put undue reliance on any forward-looking statements.

The risk factors discussed in “Risk Factors” could cause our results to differ materially from those expressed in forward-looking statements. In addition, there
may be other risks and uncertainties that we are unable to predict at this time or that we currently do not expect to have a material adverse effect on our
business. We expressly disclaim any obligation to update these forward-looking statements other than as required by law.

Item 7A. Quantitative and Qualitative Disclosures about Market Risk

Interest Rate Risk

The  primary  objectives  of  our  investment  strategy  are  to  preserve  principal,  maintain  proper  liquidity  to  meet  operating  needs  and  maximize  yields.  To
minimize  our  exposure  to  an  adverse  shift  in  interest  rates,  we  invest  mainly  in  cash  equivalents  and  short-term  investments  in  a  variety  of  securities,
including money market funds, U.S. Treasury debt and corporate debt securities. Due to the short-term nature of our investments, we believe that we have no
material exposure to interest rate risk.

Market Price Sensitive Instruments

As of December 31, 2019, we had outstanding debt related to our convertible senior notes recorded on our consolidated balance sheet of $887.9 million, net
of unamortized discount and issuance costs totaling $314.6 million. Changes in the fair value of our outstanding debt, which could be impacted by changes in
interest rates, are not recorded in these consolidated financial statements as the debt is accounted for at cost less unamortized discount and issuance costs. The
fair value of the debt, which was $1.35 billion as of December 31, 2019, is also impacted by changes in our stock price.

In order to reduce potential equity dilution, in connection with the issuance of $800.0 million aggregate principal amount of 0.375% Notes, we entered into
capped  call  options  “Capped  Calls”.  We  expect  the  Capped  Calls  to  reduce  the  potential  dilution  to  our  common  stock  (or,  in  the  event  the  conversion  is
settled  in  cash,  to  provide  a  source  of  cash  to  settle  a  portion  of  our  cash  payment  obligation)  in  the  event  that  at  the  time  of  conversion  our  stock  price
exceeds  the  conversion  price  under  the  0.375%  Notes.  The  Capped  Calls  have  an  initial  strike  price  of  $335.90  per  share  and  cover  3.5  million  shares  of
common stock.

Foreign Currency Exchange Risk

Foreign currency risk arises from our investments in subsidiaries owned and operated in non-U.S. countries. Such risk is also a result of transactions with
customers in countries outside the United States. Approximately 34% of our revenue was denominated in foreign currencies for the year ended December 31,
2019. As our business in regions outside of the United States continues to increase, we will be increasingly exposed to foreign currency exchange risk related
to our foreign operations. The cost of revenue related to revenue generated outside of the United States is primarily denominated in U.S. dollars; however,
operating costs related to these revenues are largely denominated in the same respective currencies, thereby partially limiting our transaction risk exposure.
Fluctuations in the rate of exchange between the United States dollar and foreign currencies, primarily the Euro, British Pound and Canadian Dollar, could
adversely affect our financial results, including our revenues, revenue growth rates, gross margins, income and losses as well as assets and liabilities.

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We have intercompany receivables and payables from our foreign subsidiaries that are denominated in foreign currencies, principally the Euro, the British
pound and the Canadian dollar. Fluctuations from the beginning to the end of a reporting period result in the revaluation of our foreign currency-denominated
intercompany  receivables  and  payables,  generating  currency  translation  gains  or  losses.  Net  realized  and  unrealized  gains  (losses)  from  foreign  currency
transactions  are  included  in  interest  and  other  income,  net  in  the  consolidated  statement  of  operations  and  amounted  to  $0.6  million  for  the  year  ended
December 31, 2019.

Item 8. Financial Statements and Supplementary Data

Our financial statements as of December 31, 2019 and 2018 and for each of the three years in the period ended December 31, 2019, and the Report of the
Registered Independent Public Accounting Firm are included in this report as listed in the index.

INDEX TO CONSOLIDATED FINANCIAL STATEMENTS

Report of Independent Registered Public Accounting Firm

Consolidated Balance Sheets as of December 31, 2019 and 2018

Consolidated Statements of Operations for the Years ended December 31, 2019, 2018 and 2017

Consolidated Statements of Comprehensive Income (Loss) for the Years Ended December 31, 2019, 2018 and 2017

Consolidated Statements of Stockholders’ Equity for the Years ended December 31, 2019, 2018 and 2017

Consolidated Statements of Cash Flows for the Years ended December 31, 2019, 2018 and 2017

Notes to Consolidated Financial Statements

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Board of Directors and Shareholders
Insulet Corporation

Report of Independent Registered Public Accounting Firm

Opinions on the financial statements and internal control over financial reporting
We  have  audited  the  accompanying  consolidated  balance  sheets  of  Insulet  Corporation  (a  Delaware  corporation)  and  subsidiaries  (the  “Company”)  as  of
December 31, 2019 and 2018, and the related consolidated statements of operations, comprehensive income (loss), changes in stockholders’ equity, and cash
flows  for  each  of  the  three  years  in  the  period  ended  December  31,  2019,  and  the  related  notes  and  schedule  (collectively  referred  to  as  the  “financial
statements”). We also have audited the Company’s internal control over financial reporting as of December 31, 2019, based on criteria established in the 2013
Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (“COSO”).

In our opinion, the financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December 31,
2019 and 2018, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2019 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, 2019, based on criteria established in the 2013 Internal Control-Integrated Framework issued by
COSO.

Basis for opinions
The  Company’s  management  is  responsible  for  these  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 the accompanying Management’s Annual Report on Internal Control
Over  Financial  Reporting.  Our  responsibility  is  to  express  an  opinion  on  the  Company’s  financial  statements  and  an  opinion  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 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 financial statements included performing procedures to assess the risks of material misstatement of the 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 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  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.

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 (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect
the  transactions  and  dispositions  of  the  assets  of  the  company;  (2)  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  (3)  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  matters  communicated  below  are  matters  arising  from  the  current  period  audit  of  the  financial  statements  that  were  communicated  or
required to be communicated to the audit committee and that: (1) relate to accounts or disclosures that are material to the financial statements and (2) involved
our  especially  challenging,  subjective,  or  complex  judgments.  The  communication  of  critical  audit  matters  does  not  alter  in  any  way  our  opinion  on  the
financial statements, taken as a whole, and

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we are not, by communicating the critical audit matters below, providing separate opinions on the critical audit matters or on the accounts or disclosures to
which they relate.

Revenue Recognition - Drug Delivery
As described in Note 4 to the consolidated financial statements, the Company’s revenue from drug delivery was $64.7 million for the year ended December
31, 2019. Drug delivery revenue is recognized over time based on the Company’s determination of the pattern over which control transfers to the customer.
This transfer of control begins during the manufacturing process and continues through the final quality control inspection process until there is complete
satisfaction of the performance obligation. We identified drug delivery revenue recognition and the associated unbilled receivable as a critical audit matter.

The principal considerations for our determination that this matter is a critical audit matter are as follows:

Accounting for drug delivery revenue requires the Company to select a method to measure progress towards the satisfaction of the performance obligation.
This election of the most meaningful measure of progress by which to recognize drug delivery revenue requires the application of significant Management
judgment. The Company elected the input method and selected a blend of cost and time to produce for measure of progress. Given the nature of the revenue
being  recognized,  additional  audit  effort  including  modification  of  the  nature  and  extent  of  our  procedures  beyond  that  of  the  Company’s  other  revenue
streams was required.

Our audit procedures included, but were not limited to, the following:

• We tested the design and operating effectiveness of controls relating to Management’s estimate of the measure of progress.

•

•

For the measure of progress, we inspected evidence related to the cost and length of the production cycle.

For revenue recognized on in-process or finished goods inventory not yet shipped to the customer (and the related unbilled receivable), we inspected
customer orders, binding customer forecasts, inventory records, and confirmed inventory quantities directly with third parties when applicable.

Convertible Debt Offering and Note Repurchase
As described in Note 12 to the consolidated financial statements, the Company completed a private placement offering of $800 million in 0.375% Convertible
Senior Notes (the “New Notes”), with the proceeds partially used to repurchase the previously outstanding 1.25% Convertible Senior Notes (the “Existing
Notes”). We identified these transactions as a critical audit matter.

The principal considerations for our determination that this matter is a critical audit matter are as follows.

Accounting  for  the  convertible  debt  offering  and  the  repurchase  of  the  Existing  Notes  was  a  significant  unusual  transaction  that  required  extensive  audit
effort.  This  included  the  involvement  of  technical  accounting  specialists  to  evaluate  Management’s  conclusions  surrounding  the  bifurcation  of  the  notes
between  debt  and  equity  and  the  extinguishment  conclusion  for  the  repurchase  of  the  Existing  Notes.  Additionally,  valuation  specialists  were  included  to
determine  the  fair  value  of  the  equity  component  of  the  New  Notes  and  the  fair  value  of  the  Existing  Notes  utilized  in  the  determination  of  the  loss  on
extinguishment. This included the evaluation of the market yield input, which was derived using a Binomial Option Pricing Model.

Our audit procedures included, but were not limited to, the following:

• We tested the control design and operating effectiveness related to the accounting for the transaction including Management’s evaluation of the

qualifications of specialists and review of the work performed by the specialists.

• We traced all key terms, and amounts to source documents, including the related offering memorandums and purchase agreements.

• We supplemented the engagement team with technical accounting specialists to confirm Management’s accounting conclusions including the

determination that the New Notes be bifurcated between debt and equity as well as the determination that the repurchase of a portion of the Existing
Notes be accounted for as an extinguishment of debt.

• With the assistance of valuation professionals with specialized skills and knowledge, we tested Management’s valuation of both the New Notes and
the Existing Notes which included a recalculation of the related amounts and an assessment of the appropriateness of the methodology, inputs, and
assumptions used.

/s/ GRANT THORNTON LLP

We have served as the Company’s auditor since 2016.

Boston, Massachusetts
February 25, 2020

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INSULET CORPORATION

CONSOLIDATED BALANCE SHEETS

(in millions, except share and per share data)

ASSETS

Current Assets

Cash and cash equivalents

Short-term investments

Accounts receivable trade, less allowance for doubtful accounts of $3.8 and $3.6

Unbilled receivable

Inventories

Prepaid expenses and other current assets

Total current assets

Long-term investments

Property, plant and equipment, net

Other intangible assets, net

Goodwill

Other assets

Total assets

LIABILITIES AND STOCKHOLDERS’ EQUITY

Current Liabilities

Accounts payable

Accrued expenses and other current liabilities

Total current liabilities

Convertible debt, net

Other liabilities

Total liabilities

Commitment and Contingencies (Note 13)

Stockholders’ Equity

Preferred stock, $.001 par value:

Authorized: 5,000,000 shares at December 31, 2019 and 2018.
Issued and outstanding: zero shares at December 31, 2019 and 2018.

Common stock, $.001 par value:

Authorized: 100,000,000 shares at December 31, 2019 and 2018.
Issued and outstanding: 62,685,492 and 59,188,758 shares at December 31, 2019 and 2018, respectively.

Additional paid-in capital

Accumulated deficit

Accumulated other comprehensive loss

Total stockholders’ equity

Total liabilities and stockholders’ equity

As of December 31,

2019

2018

$

213.7   $

162.4  

69.3  

13.5  

101.0  

31.1  

591.0  

58.4  

399.4  

13.2  

39.8  

41.1  

1,142.9   $

54.5   $

103.2  

157.7  

887.9  

21.4  

1,067.0  

$

$

113.9

175.0

63.3

13.4

71.4

24.3

461.3

140.8

258.4

10.4

39.6

18.2

928.7

25.5

90.2

115.7

592.0

8.9

716.6

—  

—

0.1  

749.0  

(672.0)  

(1.2)  

75.9  

$

1,142.9   $

0.1

898.5

(683.6)

(2.9)

212.1

928.7

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

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INSULET CORPORATION

CONSOLIDATED STATEMENTS OF OPERATIONS

(in millions, except share and per share data)

Revenue

Cost of revenue

Gross profit

Operating expenses:

Research and development

Sales and marketing

General and administrative

Total operating expenses

Operating income (loss)

Interest expense, net of portion capitalized

Loss on extinguishment of debt

Interest and other income, net

Income (loss) before income taxes

Income tax expense

Net income (loss)

Net income (loss) per share:

Basic

Diluted

Years Ended December 31,

2019

2018

2017

$

738.2   $

563.8   $

257.9  

480.3  

129.7  

185.1  

115.5  

430.3  

50.0  

(34.6)  

(8.7)  

7.8  

14.5  

(2.9)  

193.6  

370.2  

90.5  

146.2  

106.1  

342.8  

27.4  

(28.9)  

—  

6.7  

5.2  

(1.9)  

$

$

$

11.6   $

3.3   $

0.19   $

0.19   $

0.06   $

0.05   $

463.8

186.6

277.2

75.7

124.2

84.7

284.6

(7.4)

(21.2)

(0.6)

2.6

(26.6)

(0.2)

(26.8)

(0.46)

(0.46)

Weighted-average number of common shares outstanding:

Basic

Diluted

60,593,846  

58,859,574  

62,304,348  

61,008,024  

58,003,434

58,003,434

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

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CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (LOSS)

INSULET CORPORATION

(in millions)

Net income (loss)

Other comprehensive income (loss), net of tax

Foreign currency translation adjustment, net of tax

Unrealized gain (loss) on available-for-sale securities, net of tax

Total other comprehensive income (loss), net of tax

Total comprehensive income (loss)

Years Ended December 31,

2019

2018

2017

11.6   $

3.3   $

(26.8)

0.6  

1.1  

1.7  

(2.2)  

(0.2)  

(2.4)  

13.3   $

0.9   $

0.5

(0.3)

0.2

(26.6)

$

$

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

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INSULET CORPORATION

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

(in millions, except share data)
Balance, December 31, 2016

Exercise of options to purchase common stock

Issuance of shares for employee stock purchase plan

Stock-based compensation expense

Restricted stock units vested, net of shares withheld for
taxes

Allocation to equity for conversion feature on 1.375%
Notes, net of issuance costs

Extinguishment of conversion feature on 2% Notes, net of
issuance costs

Net loss

Other comprehensive income

Balance, December 31, 2017

Exercise of options to purchase common stock

Issuance of shares for employee stock purchase plan

Stock-based compensation expense

Restricted stock units vested, net of shares withheld for
taxes

Extinguishment of conversion feature on 2% Notes, net of
issuance costs

Adoption of ASC 606 (Note 2)

Net income

Other comprehensive loss

Balance, December 31, 2018

Exercise of options to purchase common stock

Issuance of shares for employee stock purchase plan

Stock-based compensation expense

Restricted stock units vested, net of shares withheld for
taxes

Conversion feature of 0.375% Notes, net of issuance costs

Extinguishment of conversion feature on 1.25% Notes, net
of issuance costs

Issuance of shares for debt repayment

Purchase of capped call options

Net income

Other comprehensive income

Balance, December 31, 2019

Common Stock

  Amount

Shares
57,457,967   $

  Additional

Paid-in
Capital

Accumulated
Deficit

Accumulated Other
Comprehensive
Loss

Total
Stockholders’
Equity

0.1   $

744.2   $

(680.5)   $

(0.7)   $

505,207  

59,134  

—  

297,040  

—  

—  

—  

—  

58,319,348  

409,428  

46,343  

—  

—  

—  

—  

—  

—  

—  

—  

0.1  

—  

—  

14.0  

1.8  

31.9  

(4.0)  

117.5  

(39.2)  

—  

—  

866.2  

12.8  

3.0  

37.5  

413,639  

—  

(17.8)  

—  

—  

—  

—  

59,188,758  

1,340,297  

51,502  

—  

229,770  

—  

—  

1,875,165  

—  

—  

—  

—  

—  

—  

—  

0.1  

—  

—  

—  

—  

—  

—  

—  

—  

—  

—  

(3.2)  

—  

—  

—  

898.5  

46.6  

4.3  

28.7  

(8.6)  

207.8  

(642.3)  

299.4  

(85.4)  

—  

—  

—  

—  

—  

—  

—  

—  

(26.8)  

—  

(707.3)  

—  

—  

—  

—  

—  

20.4  

3.3  

—  

(683.6)  

—  

—  

—  

—  

—  

—  

—  

—  

11.6  

—  

—  

—  

—  

—  

—  

—  

—  

0.2  

(0.5)  

—  

—  

—  

—  

—  

—  

—  

(2.4)  

(2.9)  

—  

—  

—  

—  

—  

—  

—  

—  

—  

1.7  

62,685,492   $

0.1   $

749.0   $

(672.0)   $

(1.2)   $

63.1

14.0

1.8

31.9

(4.0)

117.5

(39.2)

(26.8)

0.2

158.5

12.8

3.0

37.5

(17.8)

(3.2)

20.4

3.3

(2.4)

212.1

46.6

4.3

28.7

(8.6)

207.8

(642.3)

299.4

(85.4)

11.6

1.7

75.9

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

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INSULET CORPORATION

CONSOLIDATED STATEMENTS OF CASH FLOWS

(in millions)

Cash flows from operating activities

Net income (loss)

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

Years Ended December 31,

2019

2018

2017

$

11.6   $

3.3   $

(26.8)

Depreciation and amortization

Non-cash interest expense

Stock-based compensation expense

Loss on extinguishment of convertible debt

Provision for bad debts

Other

Changes in operating assets and liabilities:

Accounts and unbilled receivable

Inventories

Deferred revenue

Prepaid expenses and other assets

Accounts payable, accrued expenses and other current liabilities

Other long-term liabilities

Net cash provided by operating activities

Cash flows from investing activities

Capital expenditures

Acquisition of intangible assets

Purchases of investments

Receipts from the maturity or sale of investments

Net cash used in investing activities

Cash flows from financing activities

Principal payments of capital lease obligations

Proceeds from issuance of convertible debt, net of issuance costs

Purchase of capped call options

Repayment of convertible debt

Proceeds from exercise of stock options and issuance of common stock under employee stock purchase
plan

Payment of withholding taxes in connection with vesting of restricted stock units

Net cash provided by (used in) financing activities

Effect of exchange rate changes on cash

Net increase (decrease) in cash and cash equivalents

Cash and cash equivalents, beginning of year

Cash and cash equivalents, end of year

Supplemental cash flow information

Cash paid for interest, net of amount capitalized

Cash paid for taxes

Purchases of property, plant and equipment included in accounts payable and accrued expenses

27.9  

35.6  

28.7  

8.7  

4.5  

1.1  

(10.9)  

(30.2)  

2.0  

(21.9)  

36.2  

5.1  

98.4  

(163.7)  

(7.2)  

(150.6)  

247.9  

(73.6)  

—  

780.2  

(85.4)  

(663.6)  

50.9  

(8.6)  

73.5  

1.5  

99.8  

113.9  

15.6  

29.3  

37.5  

—  

3.4  

(0.4)  

(22.9)  

(38.8)  

(3.8)  

(11.6)  

21.2  

3.1  

35.9  

(157.4)  

(5.0)  

(191.4)  

169.3  

(184.5)  

—  

—  

—  

(6.7)  

15.8  

(17.8)  

(8.7)  

(1.4)  

(158.7)  

272.6  

213.7   $

113.9   $

13.9

18.0

31.9

0.6

1.9

0.1

(26.3)

1.7

1.1

(3.3)

27.3

1.2

41.3

(73.8)

(3.4)

(298.0)

164.4

(210.8)

(0.3)

391.6

—

(98.5)

15.8

(4.1)

304.5

0.4

135.4

137.2

272.6

—   $

2.5   $

13.3   $

—   $

0.8   $

11.4   $

2.5

0.5

3.8

$

$

$

$

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

49

 
 
 
 
   
   
 
   
   
 
   
   
 
   
   
 
   
   
 
 
   
   
 
   
   
INSULET CORPORATION

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

Note 1. Nature of the Business

Insulet  Corporation  (the  “Company”)  is  primarily  engaged  in  the  development,  manufacture  and  sale  of  its  proprietary  Omnipod  System,  an  innovative,
continuous insulin delivery system for people with insulin-dependent diabetes. The Omnipod System features a small, lightweight, self-adhesive disposable
tubeless Omnipod device that is worn on the body for up to three days at a time (the “Pod”), and its wireless companion, the handheld Personal Diabetes
Manager  (“PDM”).  The  Omnipod  System,  which  features  two  discreet,  easy-to-use  devices,  communicates  wirelessly,  provides  for  virtually  pain-free
automated cannula insertion and eliminates the need for multiple daily injections using syringes or insulin pens or the use of traditional pump and tubing. The
Omnipod System consists of two product lines: the Omnipod Insulin Management System (“Omnipod”) and its next generation Omnipod DASHTM Insulin
Management System (“Omnipod DASH” or “DASH”). Omnipod DASH features a secure Bluetooth enabled Pod and PDM with a color touch screen user
interface supported by smartphone connectivity.

The Company generates most of its revenue from sales of the Omnipod System, which is sold in the U.S., Europe, Canada and the Middle East. The Omnipod
System is sold either directly to end-users or indirectly through intermediaries. Intermediaries include independent distributors who resell the Omnipod to
end-users and wholesalers who sell the Company’s product to end-users through the pharmacy channel in the United States.

In addition to selling the Omnipod System for insulin delivery, the Company also partners with global pharmaceutical and biotechnology companies to tailor
the Omnipod System technology platform for the delivery of subcutaneous drugs across other therapeutic areas. The majority of the Company’s drug delivery
revenue consists of sales of Pods to Amgen for use in the Neulasta Onpro kit, an innovative delivery system for Amgen’s white blood cell booster to help
reduce the risk of infection after intense chemotherapy.

Note 2. Summary of Significant Accounting Policies

Basis of Presentation

The accompanying financial statements reflect the consolidated operations of Insulet Corporation and its subsidiaries. The consolidated financial statements
have  been  prepared  in  United  States  dollars,  in  accordance  with  accounting  principles  generally  accepted  in  the  United  States  of  America  (GAAP).  The
preparation of the consolidated financial statements in conformity with GAAP requires management to make use of estimates and assumptions that affect the
reported amount of assets and liabilities, disclosure of contingent assets and liabilities, and the reported amounts of revenues and expenses. Actual results may
differ from those estimates.

Principles of Consolidation

The consolidated financial statements include the accounts of the Company and its wholly owned subsidiaries. All intercompany balances and transactions
have been eliminated.

Reclassification of Prior Period Amounts

Certain reclassifications have been made to prior period amounts to conform to the current period financial statement presentation. Software license costs
have been reallocated from general and administrative expenses to research and development and sales and marketing expenses based on license usage. These
reclassifications have no effect on previously reported net income.

Foreign Currency Translation

For the foreign subsidiaries of the Company, assets and liabilities are translated into U.S. dollars using exchange rates as of the balance sheet date, and income
and expenses are translated using the average exchange rates in effect for the related month. The net effect of these translation adjustments is reported in
accumulated other comprehensive loss within stockholders’ equity on the consolidated balance sheet. Net realized and unrealized gains (losses) from foreign
currency transactions are included in interest and other income, net in the consolidated statement of operations and were $0.6 million and $1.0 million for the
years ended December 31, 2019 and 2018, respectively. The amount for 2017 was insignificant.

Cash and Cash Equivalents

The  Company  considers  all  highly  liquid  investments  with  maturities  of  90  days  or  less  at  the  time  of  purchase  to  be  cash  equivalents.  Cash  equivalents
include money market mutual funds, commercial paper and U.S. government and agency bonds that are carried at cost, which approximates their fair value.
Restricted cash that serves as collateral for outstanding letters of credit are included in cash and cash equivalents on the consolidated balance sheet.

Investments in Marketable Securities

Short-term and long-term investment securities consist of certificates of deposit, commercial paper, U.S. government and agency bonds and corporate bonds.
Theses available-for-sale marketable securities are carried at fair value and unrealized gains and losses

50

are included as a component of other comprehensive loss in stockholders’ equity on the consolidated balance sheet. Investments with a stated maturity date of
more  than  one  year  from  the  balance  sheet  date  and  that  are  not  expected  to  be  used  in  current  operations  are  classified  as  long-term  investments  on  the
consolidated  balance  sheet.  The  Company  reviews  investments  for  other-than-temporary  impairment  when  the  fair  value  of  an  investment  is  less  than  its
amortized cost. If an available-for-sale security is other than temporarily impaired, the loss is included in other income, net in the consolidated statement of
operations.

Accounts Receivable and Allowance for Doubtful Accounts

Trade accounts receivable consist of amounts due from third-party payors, customers and intermediaries and are presented net of an allowance for doubtful
accounts. The allowance for doubtful accounts reflects an estimate of losses inherent in the Company’s accounts receivable portfolio determined based on
historical experience, specific allowances for known troubled accounts and other available evidence. Accounts receivable are written off when management
determines they are uncollectible.

Inventories

Inventories are stated at the lower of cost or net realizable value, with cost determined under the first-in, first-out method. The Company reduces the carrying
value of inventories for those items that are potentially excess, obsolete or slow-moving based on changes in customer demand, technology developments or
other economic factors in order to state inventories at net realizable value. Factors influencing these adjustments include inventories on hand compared to
estimated  future  usage  and  sales.  Work  in  process  is  calculated  based  upon  a  buildup  of  cost  based  on  the  stage  of  production.  Manufacturing  variances
attributable to abnormally low production are expensed in the period incurred.

Contract Acquisition Costs

The Company incurs commission costs to obtain a contract related to new customer starts. These costs are capitalized as contract assets in other assets, net of
the short-term portion included in prepaid and other current assets. Costs to obtain a contract are amortized as sales and marketing expense on a straight-line
basis  over  the  expected  period  of  benefit,  which  considers  future  product  upgrades  for  which  a  commission  would  be  paid.  These  costs  are  periodically
reviewed for impairment.

Fair Value Measurements

Fair value is defined as the price that would be received from the sale of an asset or paid to transfer a liability in the principal or most advantageous market in
an  orderly  transaction  between  market  participants  on  the  measurement  date.  When  estimating  fair  value,  the  Company  may  use  one  or  all  the  following
approaches:

• Market  approach,  which  is  based  on  market  prices  and  other  information  from  market  transactions  involving  identical  or  comparable  assets  or

liabilities.

•

•

Cost  approach,  which  is  based  on  the  cost  to  acquire  or  construct  comparable  assets  less  an  allowance  for  functional  and/or  economic
obsolescence.

Income approach, which is based on the present value of the future stream of net cash flows.

To measure fair value of assets and liabilities, the Company uses the following fair value hierarchy based on three levels of inputs:

Level 1 — observable inputs, such as quoted prices in active markets for identical assets or liabilities;

Level 2 — significant other observable inputs that are observable either directly or indirectly;

Level 3 — significant unobservable inputs for which there is little or no market data, which require the Company to develop its own assumptions.

Certain  of  the  Company’s  financial  instruments,  including  cash  and  cash  equivalents,  accounts  receivable,  accounts  payable,  accrued  expenses  and  other
liabilities are carried at cost, which approximates their fair value because of their short-term maturity. See Notes 5 and 12 for financial assets and liabilities
held at carrying amount on the consolidated balance sheet and Note 6 for investments measured at fair value on a recurring basis.

Property, Plant and Equipment

Property, plant and equipment is stated at cost less accumulated depreciation. Major improvements are capitalized, while routine repairs and maintenance are
expensed as incurred. Depreciation for property, plant and equipment, other than land and construction in progress, is based upon the following estimated
useful lives using the straight-line method:

Building and building improvements

Leasehold improvements

Machinery and equipment

Furniture and fixtures

Lesser of lease term or useful life of asset

20 to 39 years

2 to 15 years

3 to 5 years

51

The  Company  assesses  the  recoverability  of  assets  whenever  events  or  changes  in  circumstances  suggest  that  the  carrying  value  of  an  asset  may  not  be
recoverable. The Company recognizes an impairment loss if the carrying amount of a long-lived asset is not recoverable based on its undiscounted future cash
flows. The impairment loss is measured as the difference between the carrying amount and the fair value of the asset.

Business Combinations

The  Company  recognizes  the  assets  and  liabilities  assumed  in  business  combinations  based  on  their  estimated  fair  values  at  the  date  of  acquisition.  The
Company allocates the purchase price in excess of net tangible assets acquired to identifiable intangible assets. The Company assesses the fair value of assets,
including intangible assets, using a variety of methods and each asset is measured at fair value from the perspective of a market participant. Assets recorded
from the perspective of a market participant that are determined to not have economic use for the Company are expensed immediately. Any excess purchase
price over the fair value of the net tangible and intangible assets acquired is allocated to goodwill. Transaction costs and restructuring costs associated with a
business combination are expensed as incurred.

Goodwill and Other Intangible Assets

Goodwill  represents  the  excess  of  the  purchase  price  of  an  acquired  entity  over  the  amounts  assigned  to  assets  and  liabilities  assumed  in  a  business
combination. The Company performs an assessment of its goodwill for impairment annually on October 1 or whenever events or changes in circumstances
indicate there might be impairment. Goodwill is evaluated for impairment at the reporting unit level.

The  Company  may  assess  its  goodwill  for  impairment  initially  using  a  qualitative  approach  to  determine  whether  conditions  exist  that  indicate  it  is  more
likely than not that the fair value of a reporting unit is less than its carrying value. If management concludes, based on its assessment of relevant events, facts
and  circumstances  that  it  is  more  likely  that  not  that  a  reporting  unit’s  carrying  value  is  greater  than  its  fair  value,  then  a  quantitative  analysis  will  be
performed to determine if there is any impairment. Alternatively, the Company may elect to initially perform a quantitative analysis instead of starting with a
qualitative analysis. In performing the quantitative test, the Company utilizes a two-step approach. The first step compares the carrying value of the reporting
unit to its fair value. If the reporting unit’s carrying value exceeds its fair value, the Company would perform the second step and record an impairment loss to
the extent that the carrying value of the reporting unit’s goodwill exceeds its implied fair value.

Intangible assets acquired in a business combination are recorded at fair value, while intangible assets acquired in other transactions are recorded at cost and
are  stated  at  cost  less  accumulated  amortization.  Intangible  assets  with  finite  useful  lives  are  amortized  using  the  straight-line  method  over  the  following
estimated useful lives of the assets:

Customer relationships

Internal-use software

Intellectual property

5 - 10 years

3 - 10 years

15 years

Amortization expense is included in operating expenses in the consolidated statement of operations. The Company reviews intangible assets for impairment
by comparing the fair value of the assets, estimated using an income approach, with their carrying value. If the carrying value exceeds the fair value of the
intangible asset, the Company recognizes an impairment equal to the difference between the carrying value of the asset and the present value of future cash
flows. The Company assesses the remaining useful life and the recoverability of intangible assets whenever events or circumstances indicate that the carrying
value of an asset may not be recoverable using undiscounted cash flows.

Leases

The  Company  determines  if  an  arrangement  includes  a  lease  at  inception.  Lease  agreements  generally  have  lease  and  non-lease  components,  which  are
accounted for separately. At lease commencement, the Company recognizes operating lease liabilities equal to the present value of the lease payments and
operating lease assets representing the right to use the underlying asset for the lease term. The Company assesses if it is reasonably certain to exercise lease
options to extend or terminate the lease for inclusion or exclusion in the lease term when the Company measures the lease liability. As the Company’s leases
do not provide an implicit rate, the Company uses an incremental borrowing rate based on the information available at lease commencement in determining
the present value of lease payments. The Company’s incremental borrowing rate estimates a secured rate that reflects the term of the lease, the nature of the
underlying  asset  and  the  economic  environment.  The  Company  excludes  leases  with  an  expected  term  of  one  year  or  less  from  recognition  on  the
consolidated balance sheet. Operating lease assets includes lease payments made prior to lease commencement and excludes lease incentives and initial direct
costs  incurred.  Lease  expense  is  recognized  on  a  straight-line  basis  over  the  lease  term  and  is  included  in  general  and  administrative  expenses  in  the
consolidated statements of operations.

52

Contingencies

The  Company  records  a  liability  on  the  consolidated  balance  sheet  for  loss  contingencies  when  a  loss  is  considered  probable  and  the  amount  can  be
reasonably estimated. If the reasonable estimate of a known or probable loss is a range, and no amount within the range is a better estimate than any other, the
minimum amount of the range is accrued. If a loss is reasonably possible but not known or probable, and can be reasonably estimated, the estimated loss or
range of loss is disclosed. 

Product Warranty

The Company provides a four-year warranty on its PDMs sold in the United States and Europe and a five-year warranty on PDMs sold in Canada and may
replace Pods that do not function in accordance with product specifications. The Company estimates its warranty obligation at the time the product is shipped
based on historical experience and the estimated cost to service the claims. Warranty expense is recorded in cost of goods sold in the consolidated statements
of  operations.  Costs  to  service  the  claims  reflect  the  current  product  cost.  Since  the  Company  continues  to  introduce  new  products  and  versions,  the
anticipated performance of the product over the warranty period is also considered in estimating warranty reserves.

Revenue Recognition

Effective January 1, 2018, the Company adopted ASU 2014-09, Revenue from Contracts with Customers, and its related amendments (collectively referred to
as ASC 606) using the modified retrospective method for all contracts not completed as of the date of adoption. The cumulate effect of applying the new
revenue  standard  resulted  in  a  $20.4 million  decrease  to  the  opening  balance  of  accumulated  deficit  upon  adoption,  primarily  related  to  how  revenue  is
recognized for the Company’s drug delivery product line and the capitalization of contract acquisition costs such as commissions. Financial information for
2017 has not been restated and continues to be reported under the guidance in effect prior to the adoption of ASC 606.

Revenue is recognized when a customer obtains control of the promised products. The amount of revenue recognized reflects the consideration the Company
expects to be entitled to receive in exchange for these products. To achieve this core principle, the Company applies the following five steps:

•

•

•

•

•

Identify  Contracts  with  Customers.  The  Company’s  contracts  with  its  direct  customers  generally  consist  of  a  physician  order  form,  a  customer
information form and, if applicable, third-party insurance (payor) approval. Contracts with the Company’s intermediaries are generally in the form of
master service agreements against which firm purchase orders are issued. At the outset of the contract, the Company assesses the customer’s ability and
intention to pay, which is based on a variety of factors including historical payment experience or, in the case of a new intermediary, published credit,
credit  references  and  other  available  financial  information  pertaining  to  the  customer  and,  in  the  case  of  a  new  direct  customer,  an  investigation  of
insurance eligibility.

Identify Performance Obligations. The  performance  obligations  in  contracts  for  the  delivery  of  the  Omnipod  to  new  end-users,  either  directly  to  end-
users or through intermediaries, primarily consist of the PDM and the initial and subsequent quantity of Pods ordered. In the Company’s judgment, these
performance  obligations  are  capable  of  being  distinct  and  distinct  in  the  context  of  the  contract  in  that  the  customer  can  benefit  from  each  item  in
conjunction with other readily available resources and the transfer of the PDM and the Pods is separately identifiable in the contract with the customer.

Determine Transaction Price. The price charged for the PDM and Pods is dependent on the Company’s pricing as established with third party payors and
intermediaries. The Company provides a right of return for sales of its Omnipod to new end-users. The Company also provides for certain rebates and
discounts for sales of its product through intermediaries. These rights of return, discounts and rebates represent variable consideration and reduce the
transaction price at the outset of the contract based on the Company’s estimates, which are primarily based on the expected value method using historical
and other data (such as product return trends or forecast sale volumes) related to actual product returns, discounts and rebates paid in each market in
which the Omnipod is sold. Variable consideration is included in the transaction price if it is probable that a significant future reversal of cumulative
revenue  under  the  contract  will  not  occur;  otherwise,  the  Company  reduces  the  variable  consideration.  The  variable  consideration  in  the  Company’s
contracts is not typically constrained and the Company’s contracts do not contain significant financing components.

Allocate Transaction Price to Performance Obligations. The Company allocates the transaction price to each performance obligation based on its relative
stand-alone selling price, which is determined based on the price at which the Company typically sells the deliverable or, if the performance obligation is
not typically sold separately, the stand-alone selling price is estimated based on cost plus a reasonable profit margin or the price that a third party would
charge for a similar product or service.

Recognize Revenue as Performance Obligations are Satisfied. The  Company  transfers  the  Omnipod  at  a  point  in  time,  which  is  determined  based  on
when  the  customer  gains  control  of  the  product.  Generally,  intermediaries  in  the  U.S.  obtain  control  upon  shipment  based  on  the  contractual  terms
including right to payment and transfer of title and risk of ownership. For sales directly to end-users and international intermediaries, control is generally
transferred at the time of delivery based on customary business practices related to risk of ownership, including transfer of title.

53

The Company’s drug delivery product line includes sales of a modified version of the Omnipod to pharmaceutical and biotechnology companies who use the
Company’s technology as a delivery method for their drugs. For the majority of this product line, revenue is recognized as the product is produced pursuant to
the customer’s firm purchase commitments as the Company has an enforceable right to payment for performance completed to date and the inventory has no
alternative  use  to  the  Company.  Judgment  is  required  in  the  assessment  of  progress  toward  completion  of  in-process  inventory.  The  Company  recognizes
revenue over time using a blend of costs incurred to date relative to total estimated costs at completion and time incurred to date relative to total production
time to measure progress toward the satisfaction of its performance obligations. The Company believes that both incurred cost and elapsed time reflect the
value generated, which best depicts the transfer of control to the customer. Contract costs include third party costs as well as an allocation of manufacturing
overhead.

Collaborative Arrangements

The Company enters into collaborative arrangements for ongoing initiatives to develop products. Although the Company does not consider any individual
alliance to be material, the following more notable alliance is described below.

Concentrated Insulin Delivery: In May 2013, the Company entered into an agreement with Eli Lilly and Company (“Eli Lilly”) to develop a new version of
the Omnipod System specifically designed to deliver Eli Lilly’s Humulin® R U-500 insulin, a concentrated form of insulin used by people with highly insulin
resistant  Type  2  diabetes.  In  January  2016,  the  Company  entered  into  a  development  agreement  with  Eli  Lilly  to  develop  a  new  version  of  the  Omnipod
System, specifically designed to deliver Eli Lilly’s Humalog® 200 insulin, a concentrated form of insulin that provides the same dose of insulin in half the
volume of Eli Lilly’s Humalog® U-100 insulin. Under the terms of these arrangements, the parties share the responsibility of the permissible costs that are
incurred. Any amounts incurred in excess of the permissible shared costs that are the responsibility of one party becomes due and payable by the other party.
Consideration received and payments made by the Company under the terms of the arrangements are recorded within research and development expenses.

Shipping and Handling Costs

The  Company  does  not  typically  charge  its  customers  for  shipping  and  handling  costs  associated  with  shipping  its  product  to  its  customers  unless  non-
standard shipping and handling services are requested. These shipping and handling costs are included in general and administrative expenses and were $9.7
million, $6.6 million and $5.0 million for the years ended December 31, 2019, 2018 and 2017, respectively.

Stock-Based Compensation

The Company measures stock-based compensation expense at the grant date based on the fair value of the award and recognizes the compensation expense
over the requisite service period, which is generally the vesting period. The amount of stock-based compensation expense recognized during a period is based
on the portion of the awards that are expected to vest. Forfeitures are estimated at the time of grant and revised, if necessary, in subsequent periods if actual
forfeitures differ from those estimates.

Income Taxes

The Company recognizes deferred tax assets and liabilities for the expected future tax consequences of events that have been included in the consolidated
financial  statements.  Deferred  tax  assets  and  liabilities  are  determined  based  on  differences  between  the  financial  reporting  and  tax  bases  of  assets  and
liabilities  and  are  measured  using  the  enacted  tax  rates  that  will  be  in  effect  in  the  years  in  which  the  differences  are  expected  to  reverse.  The  Company
reviews its deferred tax assets for recoverability considering historical profitability, projected future taxable income, and the expected timing of the reversals
of existing temporary differences and tax planning strategies. A valuation allowance is provided to reduce the deferred tax assets if, based on the available
evidence, it is more likely than not that some or all the deferred tax assets will not be realized. The effect of a change in enacted tax rates on deferred tax
assets and liabilities is recognized in income in the period that includes the enactment date.

Concentration of Credit Risk

Financial  instruments  that  subject  the  Company  to  credit  risk  primarily  consist  of  cash  and  cash  equivalents,  short-term  and  long-term  investments  in
marketable securities and accounts receivable. The Company maintains most of its cash, and short-term and long-term investments with a limited number of
financial institutions that have a high investment grade credit rating.

In addition to manufacturing the Omnipod System, the Company also purchases Omnipod Systems from Flex Ltd. As of both December 31, 2019 and 2018,
liabilities  to  this  vendor  represented  10%  of  the  combined  balance  of  accounts  payable  and  accrued  expenses  and  other  current  liabilities.  See  Note  4  for
customer concentration.

Recently Adopted Accounting Standards

Effective January 1, 2019, the Company adopted Accounting Standards Update (“ASU”) No. 2016-02, Leases (Topic 842) (“ASU 2016-02”). ASU 2016-02
and its related amendments (collectively referred to as ASC 842). ASC 842 requires lessees to recognize

54

operating  lease  liabilities  and  operating  lease  assets,  representing  the  right  to  use  the  underlying  asset  for  the  lease  term,  on  the  balance  sheet  for  leases
classified as operating leases. The Company adopted ASC 842 on January 1, 2019 using the modified retrospective method, whereby the new guidance is
applied prospectively as of the date of adoption and prior periods are not restated. The Company elected the practical expedients that permit the Company to
not reassess (1) whether any expired or existing contracts are or contain leases, (2) the lease classification for any expired or existing leases, and (3) any initial
direct costs for existing leases as of the effective date. Upon the adoption, the Company recorded operating lease liabilities of $10.8 million  and  operating
lease assets of $8.8 million on its consolidated balance sheet. The difference between the value of the lease obligations and the operating lease assets was
primarily attributable to a $1.1 million cease-use liability established in 2018 associated with the Company’s former headquarters, which was reclassified to
an operating lease liability upon adoption of ASC 842. See Note 11 for additional information regarding leases.

Effective  January  1,  2019,  the  Company  early  adopted  ASU  2018-15,  Customer’s  Accounting  for  Implementation  Costs  Incurred  in  a  Cloud  Computing
Arrangement That Is a Service Contract (“ASU 2018-15”). ASU 2018-15 requires certain costs to implement a cloud computing arrangement that is a service
contract  to  be  capitalized  consistent  with  the  rules  applicable  to  internal-use  software  capitalization  projects.  The  Company  adopted  this  new  guidance
prospectively. The Company defers eligible costs related to the implementation of cloud computing arrangements within other current and non-current assets
and amortizes such costs over the expected term of the hosting arrangement to the same income statement line as the associated cloud operating expenses.
Adoption of this standard resulted in the Company capitalizing $3.6 million of cloud computing implementation costs for the year ended December 31, 2019.

Note 3. Segment and Geographic Data

The  Company  operates  under  one  reportable  segment.  Operating  segments  are  defined  as  components  of  an  enterprise  for  which  separate  financial
information  is  available  that  is  evaluated  on  a  regular  basis  by  the  chief  operating  decision-maker  (“CODM”)  in  deciding  how  to  allocate  resources  to  an
individual segment and in assessing performance of the segment. The Company has concluded that its Chief Executive Officer (“CEO”) is the CODM as the
CEO  is  the  ultimate  decision  maker  for  key  operating  decisions,  determining  the  allocation  of  resources  and  assessing  the  financial  performance  of  the
Company.  These  decisions,  allocations  and  assessments  are  performed  by  the  CODM  using  consolidated  financial  information,  as  the  Company’s  current
product offering primarily consists of the Omnipod System and drug delivery devices based on the Omnipod platform.

Geographic information about revenue, based on delivery location, is as follows:

(in millions)
United States

All other

Total

Years Ended December 31,

2019

2018

2017

$

$

485.1   $

253.1  

738.2   $

391.8   $

172.0  

563.8   $

Geographic information about long-lived assets, net, excluding goodwill and other intangible assets is as follows:

(in millions)
United States

China

Other

Total

As of December 31,

2019

2018

$

$

363.0   $

35.9  

0.5  

399.4   $

55

343.8

120.0

463.8

232.3

25.6

0.9

258.8

 
 
 
 
 
Table of Contents

Note 4. Revenue and Contract Acquisition Costs

The following table summarizes the Company’s disaggregated revenues:

(in millions)
U.S. Omnipod

International Omnipod

Total Omnipod

Drug Delivery

Total revenue

Revenue for customers comprising 10% or more of total revenue was as follows:

Amgen, Inc.

Ypsomed

Cardinal Health Inc. and affiliates

* Represents less than 10% of revenue for the period.

Years Ended December 31,

2019

2018

2017

420.4   $

323.5   $

253.1  

673.5  

64.7  

172.0  

495.5  

68.3  

738.2   $

563.8   $

271.6

120.0

391.6

72.2

463.8

$

$

Years Ended December 31,

2019
*

*

11%

2018
12%

*

12%

2017
15%

22%

11%

Deferred revenue related to unsatisfied performance obligations was included in the following consolidated balance sheet accounts in the amounts shown:

(in millions)
Accrued expenses and other current liabilities

Other liabilities

Total deferred revenue

As of December 31,

2019

2018

  $

  $

3.2   $

1.0  

4.2   $

1.2

0.9

2.1

Revenue  recognized  for  the  year  ended  December  31,  2019  included  in  deferred  revenue  at  the  beginning  of  2019  was  $1.2 million.  Revenue  recognized
during the 2018 included in deferred revenue at the beginning of 2018 was $2.4 million. No revenue was recognized for the years ended December 31, 2019
and 2018 from performance obligations satisfied or partially satisfied in previous periods.

Contract acquisition costs, representing capitalized commission costs related to new customers, net of amortization, were included in the following
consolidated balance sheet accounts in the amounts shown:

(in millions)
Prepaid expenses and other current assets

Other assets

Total capitalized contract acquisition costs, net

As of December 31,

2019

2018

  $

  $

9.5   $

19.9  

29.4   $

7.3

16.0

23.3

The Company recognized $8.8 million and $6.9 million of amortization of capitalized contract acquisition costs for the years ended December 31, 2019 and
2018, respectively.

56

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Table of Contents

Note 5. Cash and Cash Equivalents

The following tables provide a summary of cash and cash equivalents as of December 31, 2019 and 2018 and the level in the fair value hierarchy in which
those measurements fall:

(in millions)

December 31, 2019

Cash

Money market mutual funds

Commercial paper

Restricted cash

Total cash and cash equivalents

December 31, 2018

Cash

Money market mutual funds

Restricted cash

Total cash and cash equivalents

Fair Value Measurements

Total

Level 1

Level 2 (1)

$

$

$

$

85.3   $

115.5  

10.0  

2.9  

213.7   $

64.0   $

47.2  

2.7  

113.9   $

85.3   $

115.5  

2.9  

203.7   $

64.0   $

47.2  

2.7  

113.9   $

—

—

10.0

10.0

—

—

—

(1) Fair value was determined using market prices obtained from third-party pricing sources.

Note 6. Investments

The Company’s short-term and long-term investments in debt securities had maturity dates that range from two months to two years at December 31, 2019.
Realized gains or losses in each of the three years ended December 31, 2019, 2018 and 2017 were insignificant.

The  following  tables  provides  amortized  costs,  gross  unrealized  gains  and  losses,  fair  values  and  the  level  in  the  fair  value  hierarchy  for  the  Company’s
investments at December 31, 2019 and 2018:

(in millions)

December 31, 2019
U.S. government and agency bonds

Corporate bonds

Certificates of deposit

Commercial paper

Total short-term investments

U.S. government and agency bonds

Corporate bonds

Certificates of deposit

Total long-term investments

December 31, 2018
U.S. government and agency bonds

Corporate bonds

Certificates of deposit

Total short-term investments

U.S. government and agency bonds

Corporate bonds

Certificates of deposit

Total long-term investments

Amortized Cost

Gross Unrealized
Gains

Gross Unrealized
Losses

Fair Value

Level 1

Level 2 (1)

$

$

$

$

$

$

$

$

94.7   $

0.3   $

—   $

95.0   $

85.0   $

51.0  

6.3  

10.0  

0.1  

—  

—  

—  

—  

—  

51.1  

6.3  

10.0  

—  

—  

162.0   $

0.4   $

—   $

162.4   $

85.0   $

52.9   $

0.1   $

(0.1)   $

52.9   $

42.9   $

2.8  

2.7  

—  

—  

—  

—  

2.8  

2.7  

—  

—  

58.4   $

0.1   $

(0.1)   $

58.4   $

42.9   $

113.0   $

56.2  

6.5  

175.7   $

90.5   $

46.7  

3.7  

—   $

—  

—  

—   $

(0.5)   $

112.5   $

69.6   $

(0.2)  

—  

56.0  

6.5  

—  

—  

(0.7)   $

175.0   $

69.6   $

0.1   $

(0.2)   $

90.4   $

64.1   $

—  

—  

—  

—  

46.7  

3.7  

—  

—  

140.9   $

0.1   $

(0.2)   $

140.8   $

64.1   $

10.0

51.1

6.3

10.0

77.4

10.0

2.8

2.7

15.5

42.9

56.0

6.5

105.4

26.3

46.7

3.7

76.7

(1) Fair value was determined using market prices obtained from third-party pricing sources.

57

 
 
 
 
   
   
 
 
 
 
 
 
   
   
   
   
   
 
 
 
   
   
   
   
   
 
   
   
   
   
   
 
 
   
   
   
   
   
Note 7. Inventories

At the end of each period, inventories were comprised of the following:

(in millions)
Raw materials

Work-in-process

Finished goods

    Total inventories

Note 8. Property, Plant and Equipment, Net

Property, plant and equipment at cost and accumulated depreciation were as follows: 

(in millions)
Land

Building and building improvements

Machinery and equipment

Furniture and fixtures

Leasehold improvements

Construction in process

Total property, plant and equipment

Less: accumulated depreciation

Property, plant and equipment, net

As of December 31,

2019

2018

$

$

23.3   $

40.3  

37.4  

101.0   $

As of December 31,

2019(1)

2018

  $

2.5   $

116.9  

194.8  

12.7  

1.6  

161.5  

490.0  

(90.6)  

  $

399.4   $

10.4

30.2

30.8

71.4

2.5

44.2

93.3

6.3

1.4

176.1

323.8

(65.4)

258.4

(1)  Reclassification  of  prior  period  amounts  were  made  from  furniture  and  fixtures  to  building  and  building  improvements  to  conform  with  current  period
financial statement presentation.

Depreciation expense related to property and equipment was $25.2 million, $13.8 million and $12.7 million for the years ended December 31, 2019, 2018 and
2017, respectively. Construction in process primarily consists of manufacturing equipment located at the Company’s U.S. manufacturing facility in Acton,
Massachusetts, which is expected to be placed into service during 2020.

Note 9. Goodwill and Other Intangible Assets, Net

Goodwill

The changes in the carrying amount of goodwill for 2019 and 2018 were as follows:

(in millions)
Beginning balance

Foreign currency adjustment

Ending balance

58

Years Ended December 31,

2019

2018

$

$

39.6   $

0.2  

39.8   $

39.8

(0.2)

39.6

 
 
 
 
 
 
 
 
 
 
 
 
 
Intangible Assets, Net

The gross carrying amount, accumulated amortization and net book value of intangible assets at the end of each period were as follows:

(in millions)
Customer relationships (1)
Internal-use software

Intellectual property

Total intangible assets

Gross Carrying
Amount

2019

Accumulated
Amortization

  Net Book Value

Gross Carrying
Amount

2018

Accumulated
Amortization

As of December 31,

$

$

9.9   $

12.0  

1.0  

22.9   $

(2.8)   $

(6.8)  

(0.1)  

(9.7)   $

7.1   $

5.2  

0.9  

13.2   $

6.1   $

11.3  

—  

17.4   $

  Net Book Value
4.2

(1.9)   $

(5.1)  

—  

(7.0)   $

6.2

—

10.4

(1) Includes customer relationships acquired from the Company’s former European distributor. See Note 13.

Intangible asset amortization expense was $2.7 million, $1.8 million and $1.2 million for the years ended December 31, 2019, 2018 and 2017, respectively.
Amortization expense associated with the intangible assets included on the Company’s balance sheet as of December 31, 2019 is expected to be as follows:

Years Ending December 31,
2020

2021

2022

2023

2024

Thereafter

Total

Note 10. Accrued Expenses and Other Current Liabilities

The components of accrued expenses and other current liabilities were as follows:

(in millions)
Employee compensation and related costs

Professional and consulting services

Accrued rebates

Supplier purchases

Value added taxes payable

Other

Accrued expenses and other current liabilities

Reconciliations of the changes in the Company’s product warranty liability were as follows:

(in millions)
Product warranty liability at beginning of year

Warranty expense

Warranty claims settled

Product warranty liability at end of year

59

(in millions)

  $

  $

As of December 31,

2019

2018

45.8   $

19.3  

7.5  

2.4  

1.8  

26.4  

103.2   $

Years Ended December 31,

2019

2018

6.4   $

13.4  

(11.3)  

8.5   $

$

$

$

$

2.9

2.4

1.9

1.3

1.2

3.5

13.2

37.8

14.9

2.8

7.7

8.5

18.5

90.2

5.3

7.8

(6.7)

6.4

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Note 11. Leases

As of December 31, 2019,  the  Company  leased  certain  office  spaces,  laboratory  space,  warehouse  space  and  automobiles,  all  of  which  were  classified  as
operating leases. Certain of the Company’s operating leases include escalating rental payments, some include the option to extend for up to 5 years, and some
include options to terminate the leases at certain times within the lease term. As of December 31, 2019, the Company included options to extend certain leases
for 5 years in the measurement of the lease liability.

As of December 31, 2019,  operating  lease  assets  and  operating  lease  liabilities  were  included  in  the  following  consolidated  balance  sheet  accounts  in  the
amounts shown:

Operating lease asset:

Other assets

Operating lease liabilities:

Accrued expenses and other current liabilities

Other liabilities

   Total

(in millions)

16.1

3.6

14.4

18.0

  $

  $

  $

The Company’s total operating lease cost was $4.3 million for the year ended December 31, 2019. Total rental expense was $3.3 million and $2.8 million for
the years ended December 31, 2018 and 2017, respectively. Cash paid for amounts included in the measurement of lease liabilities was $3.6 million for the
year ended December 31, 2019. Operating lease liabilities arising from obtaining operating lease assets was $9.8 million for the year ended December 31,
2019.

Maturities of lease liabilities as of December 31, 2019 are as follows:

Years Ending December 31,
2020

2021

2022

2023

2024

Thereafter

    Total future minimum lease payments

Less: imputed interest

    Present value of future minimum lease payments

(in millions)

  $

  $

4.5

5.0

4.7

2.3

2.4

1.5

20.4

(2.4)

18.0

As  of  December  31,  2019,  the  weighted  average  remaining  lease  term  for  operating  leases  was  4.4 years  and  the  weighted-average  discount  rate  used  to
determine the operating lease liability was 5.9%.

Note 12. Convertible Debt, Net

The components of outstanding convertible debt consisted of the following: 

(in millions)
1.25% Convertible Senior Notes, due September 2021

1.375% Convertible Senior Notes, due November 2024

0.375% Convertible Senior Notes, due September 2026

Unamortized debt discount

Debt issuance costs

Total convertible debt, net

0.375% Convertible Senior Notes

As of December 31,

2019

2018

—   $

402.5  

800.0  

(294.8)  

(19.8)  

887.9   $

345.0

402.5

—

(143.6)

(11.9)

592.0

$

$

In September 2019, the Company issued $800.0 million aggregate principal amount of 0.375% Convertible Senior Notes due September 2026 (the “0.375%
Notes”). The notes are convertible into the Company’s common stock at an initial conversion rate of 4.4105 shares of common stock per $1,000 principal
amount of the notes, which is equivalent to a conversion price of $226.73

60

 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
per share, subject to adjustment under certain circumstances. The notes will be convertible June 1, 2026 through August 28, 2026 and prior thereto under
certain circumstances.

The Company recorded a debt discount of $213.0 million related to the 0.375% Notes resulting from the allocation of a portion of the proceeds to the fair
value of the conversion feature reflecting a nonconvertible debt borrowing rate of 5.29%  per  annum.  The  Company  also  incurred  debt  issuance  costs  and
other expenses of $19.8 million, of which $5.3 million was reclassified as a reduction to the value of the conversion feature allocated to equity. The remaining
$14.5 million of debt issuance costs was recorded as a reduction of debt on the consolidated balance sheet. The net proceeds of $780.2 million were used to
fund  the  redemption  of  the  Company’s  1.25%  Convertible  Senior  Notes  due  September  2021  (the  “1.25%  Notes”)  and  to  purchase  capped  call  options
(“Capped Calls”), both of which are discussed below.

Additional  interest  of  0.5%  per  annum  is  payable  if  the  Company  fails  to  timely  file  required  documents  or  reports  with  the  Securities  and  Exchange
Commission (“SEC”). If the Company merges or consolidates with a foreign entity, the Company may be required to pay additional taxes. The Company
determined that the higher interest payments and tax payments required in certain circumstances were embedded derivatives that should be bifurcated and
accounted for at fair value. The Company assessed the value of the embedded derivatives at December 31, 2019 and determined it had nominal value.

In conjunction with the issuance of the 0.375% Notes, the Company paid $85.4 million to enter into Capped Calls on the Company’s common stock with
certain counterparties, which was recorded as a reduction to additional paid-in capital on the consolidated balance sheet. By entering into the Capped Calls,
the Company expects to reduce the potential dilution to its common stock (or, in the event the conversion is settled in cash, to provide a source of cash to
settle a portion of its cash payment obligation) in the event that at the time of conversion its stock price exceeds the conversion price under the 0.375% Notes.
The Capped Calls have an initial strike price of $335.90 per share, which represents a premium of 100% over the last reported sale price of the Company’s
common stock of $167.95 per share on the date of the transaction. The Capped Calls cover 3.5 million shares of common stock.

1.375% Convertible Senior Notes

In November 2017, the Company issued and sold $402.5 million in aggregate principal amount of 1.375% Convertible Senior Notes, due November 15, 2024
(the “1.375%  Notes”).  The  notes  are  convertible  into  the  Company’s  common  stock  at  an  initial  conversion  rate  of  10.7315  shares  of  common  stock  per
$1,000 principal amount of the notes, which is equivalent to a conversion price of $93.18 per share, subject to adjustment under certain circumstances. The
notes will be convertible August 15, 2024 through November 13, 2024 and prior thereto only under certain circumstances.

The Company recorded a debt discount of $120.7 million related to the 1.375% Notes resulting from the allocation of a portion of the proceeds to the fair
value of the conversion feature reflecting a nonconvertible debt borrowing rate of 6.8% per annum. The Company also incurred debt issuance costs and other
expenses of $10.9 million, of which $3.3 million was reclassified as a reduction to the value of the conversion feature allocated to equity. The remaining $7.6
million of debt issuance costs was presented as a reduction of debt on the consolidated balance sheet.

Additional interest of 0.5% per annum is payable if the Company fails to timely file required documents or reports with the SEC. If the Company merges or
consolidates with a foreign entity, the Company may be required to pay additional taxes. The Company determined that the higher interest payments and tax
payments required in certain circumstances were embedded derivatives that should be bifurcated and accounted for at fair value. The Company assessed the
value of the embedded derivatives at each balance sheet date and determined it had nominal value.

1.25% Convertible Senior Notes

In  2019,  the  Company  repurchased  its  $345.0  million  principal  amount  ($312.0  million  net  of  discount  and  issuance  costs)  1.25%  Notes  for  total
consideration of $963.0 million comprised of $663.6 million in cash and $299.4 million  representing  the  fair  value  of  the  1.87 million  shares  issued.  The
Company allocated $642.3 million of the settlement to the fair value of the equity component and $320.7 million to the debt component, which resulted in an
$8.7 million loss on extinguishment.

2% Convertible Senior Notes

In 2017, the Company repurchased $63.4 million in principal of its 2% Convertible Senior Notes due June 2019 (the “2% Notes”). The Company called the
remaining 2% Notes in 2018 and settled the outstanding principal and conversion feature for $6.7 million in cash. The Company allocated $3.2 million of the
settlement to the fair value of the equity component and $3.5 million to the debt component, which was consistent with the carrying value of the notes as of
the settlement date, resulting in no gain or loss on extinguishment.

61

Fair Value

The carrying amount and the estimated fair value of the Company’s convertible debt, which is based on the Level 2 quoted market prices as of December 31,
2019 and 2018 are as follows:

(in millions)

1.25% Convertible Senior Notes

1.375% Convertible Senior Notes

0.375% Convertible Senior Notes

Total

2019

As of December 31,
2,019

2018

Carrying
Value

Estimated
Fair Value (1)

Carrying 
Value

Estimated
Fair Value (1)

—  

306.9  

581.0  

—  

512.8  

840.0  

301.0  

291.0  

—  

$

887.9   $

1,352.8  

$

592.0   $

483.9

426.0

—

909.9

(1) Fair value was determined using market prices obtained from third-party pricing sources.

Note 13. Commitments and Contingencies

Legal Proceedings
Between May 5, 2015 and June 16, 2015, three class action lawsuits were filed by shareholders in the U.S. District Court, for the District of Massachusetts,
against  the  Company  and  certain  individual  current  and  former  executives  of  the  Company.  Two  suits  subsequently  were  voluntarily  dismissed.  Arkansas
Teacher Retirement System v. Insulet, et al., 1:15-cv-12345, (“ATRS”) alleged that the Company (and certain executives) committed violations of Sections
10(b) and 20(a) and Rule 10b-5 of the Securities Exchange Act of 1934 by making allegedly false and misleading statements about the Company’s business,
operations, and prospects. On February 8, 2018, the parties executed a binding stipulation of settlement, under which all claims were released, and a payment
was  made  to  the  plaintiffs  and  the  class  they  purport  to  represent.  On  August  6,  2018,  the  Court  issued  an  order  approving  the  settlement,  but  took  the
plaintiffs’  motion  for  fees  and  expenses  under  advisement,  which  motion  remains  pending.  The  Company  had  previously  accrued  fees  and  expenses  in
connection  with  this  matter  for  the  amount  of  the  final  settlement  liability  that  was  not  covered  by  insurance,  which  amount  was  not  material  to  the
Company’s consolidated financial statements.

In  addition,  on  April  26,  2017,  a  derivative  action  (Walker  v.  DeSisto,  et  al.,  1:17-cv-10738)  (“Walker”)  was  filed,  and  on  October  13,  2017,  a  second
derivative  action  (Carnazza  v.  DeSisto,  et  al.,  1:17-cv-11977)  (“Carnazza”)  was  filed,  both  on  behalf  of  the  Company,  each  by  a  shareholder  in  the  U.S.
District Court for the District of Massachusetts against the Company (as a nominal defendant) and certain individual current and former officers and directors
of the Company. The allegations in the actions are substantially similar to those alleged in the securities class action. The actions seek, among other things,
damages, disgorgement of certain types of compensation or profits, and attorneys’ fees and costs. On July 11, 2018, the parties executed a binding stipulation
of  settlement,  under  which  all  claims  were  released,  and  a  payment  of  attorneys’  fees  and  reimbursement  of  expenses  will  be  paid  to  plaintiffs’  counsel,
subject to the Court’s approval. On July 13, 2018, the plaintiffs filed a motion for preliminary approval of the settlement, which is pending. The Company
expects that such fees and expenses payable to plaintiff’s counsel will be covered by the Company’s insurance.

The  Company  is,  from  time  to  time,  involved  in  the  normal  course  of  business  in  various  legal  proceedings,  including  intellectual  property,  contract,
employment and product liability suits. The Company does not expect the outcome of these proceedings, either individually or in the aggregate, to have a
material adverse effect on its results of operations.

Fees to Former European Distributor
Following the expiration of an agreement with a former European distributor on June 30, 2018, the Company was required to pay a quarterly per-unit fee for
Omnipod sales to certain customers of the former European distributor for a one-year period through June 30, 2019. The Company recognized a liability and
an  associated  intangible  asset  for  this  fee  as  qualifying  sales  occurred.  The  methodology  applicable  for  determining  the  total  fee  under  the  distribution
agreement  is  subject  to  an  active  arbitration  proceeding  in  Switzerland.  The  final  amount  of  the  fee  could  vary  significantly  depending  on  the  number  of
customers who count for purposes of calculating the fee under the terms of the agreement. The Company estimates that the final aggregate fee is in the range
of $5 million to $55 million. As of December 31, 2019 and 2018, the Company had accrued $2.7 million and $2.9 million, respectively, for fees related to
Omnipod devices sold to qualifying customers. The associated gross intangible asset for the fee was $7.8 million and $4.2 million as of December 31, 2019
and 2018, respectively.

62

 
 
 
 
 
Note 14. Stock-Based Compensation

Equity Award Plan

In May 2017, the Company adopted the 2017 Stock Option and Incentive Plan (the “2017 Plan”), which replaced its previous stock option and incentive plan
(the “2007 Plan”). The 2017 Plan provides for a maximum of 5.2 million shares to be issued, in addition to the number of shares related to awards outstanding
under  the  2007  Plan  that  are  terminated  by  expiration,  forfeiture  or  cancellation.  The  shares  can  be  issued  as  stock  options,  restricted  stock  units,  stock
appreciation rights, deferred stock awards, restricted stock, unrestricted stock, cash-based awards, performance share awards or dividend equivalent rights. As
of December 31, 2019, 3.9 million shares remain available for future issuance under the 2017 Plan.

Stock-Based Compensation

Compensation cost related to stock-based awards recognized for the years ended December 31, 2019, 2018 and 2017 was recorded as follows:

(in millions)

Cost of revenue

Research and development

Sales and marketing

General and administrative

Total

Stock Options

Year Ended December 31,

2019

2018

2017

$

$

1.0   $

9.1  

7.8  

10.8  

28.7   $

0.8   $

8.2  

7.6  

20.9  

37.5   $

0.5

5.9

8.8

16.7

31.9

Options are granted to purchase common shares at prices that are equal to the fair market value of the shares on the date the options are granted. Options
generally vest in equal annual installments over a period of four years and expire 10 years after the date of grant. The grant-date fair value of options, adjusted
for estimated forfeitures, is recognized as expense on a straight-line basis over the requisite service period, which is generally the vesting period.

The following summarizes the activity under the Company’s stock option plans:

Outstanding at December 31, 2018

Granted

Exercised

Forfeited and canceled

Outstanding at December 31, 2019

Vested, December 31, 2019

Vested or expected to vest, December 31, 2019

Number of
Options

Weighted Average
Exercise Price

Weighted Average
Remaining Contractual
Term (in years)

Aggregate
Intrinsic
Value
(in millions)

3,077,624   $

125,640  

(1,345,386)  

(128,366)  

1,729,512   $

1,361,514   $

1,689,570   $

39.16    

93.16    

35.02    

51.55    

45.39  

38.71  

44.59  

  $

  $

  $

  $

5.4

4.7

5.3

119.2

217.6

180.4

213.9

The aggregate intrinsic value of options exercised for the years ended December 31, 2018 and 2017 was $23.5 million and $11.8 million, respectively.

The  Company  uses  the  Black-Scholes  pricing  model  to  determine  the  fair  value  of  options  granted.  The  calculation  of  the  fair  value  of  stock  options  is
affected by the stock price on the grant date, the expected volatility of the Company’s stock over the expected term of the award, the expected life of the
award, the risk-free interest rate and the dividend yield. The assumptions used in the Black-Scholes pricing model for options granted during each year, along
with the weighted-average grant-date fair values, were as follows:

63

 
 
 
 
 
 
 
   
   
   
Risk-free interest rate

Expected life of options (in years)

Dividend yield

Expected stock price volatility

Fair value per option

Years Ended December 31,

2019

1.8% - 2.6%  

4.4 - 4.8

—%

2018
2.2% - 2.9%

4.5 - 5.4

—%

2017
1.7% - 1.9%

4.7 - 5.3

—%

40.1% - 40.5%  

38.7% - 40.7%  

38.5% - 39.1%

$

34.98   $

30.34   $

17.28

As  of  December  31,  2019,  there  was  $7.6  million  of  unrecognized  compensation  cost  related  to  non-vested  stock  options.  This  cost  is  expected  to  be
recognized over a weighted average period of 2.4 years.

Restricted Stock Units

Restricted  Stock  Units  (“RSUs”)  generally  vest  in  equal  annual  installments  over  a  three-year  period.  The  grant-date  fair  value  of  RSUs,  adjusted  for
estimated forfeitures, is recognized as expense on a straight-line basis over the requisite service period, which is generally the vesting period. The Company
determines the fair value of restricted stock units based on the closing price of its common stock on the date of grant.

RSU activity is as follows:

Outstanding at December 31, 2018

Granted

Vested

Forfeited

Outstanding at December 31, 2019

Number of
Shares

Weighted
Average
Fair Value

416,811   $

218,810  

(231,647)  

(51,687)  

352,287   $

56.51

96.62

50.13

71.32

83.44

The  weighted-average  grant-date  fair  value  per  share  of  RSUs  granted  was  $96.62, $76.03 and $46.13  for  the  years  ended  December  31,  2019, 2018  and
2017, respectively. The total fair value of RSUs vested was $11.6 million, $14.7 million and $11.4 million for the years ended December 31, 2019, 2018 and
2017, respectively.

As of December 31, 2019, there was $18.9 million of unrecognized compensation cost related to time-based RSUs, which is expected to be recognized over a
weighted-average period of 1.9 years.

Performance Stock Units

Performance stock units (“PSUs”) generally vest over a three-year period from the grant date and include both a service and performance component. Stock-
based payments that contain performance conditions are recognized when such conditions are probable of being achieved. Certain of these performance stock
units could ultimately vest at up to 200% of the target award depending on the achievement of the performance criteria.
PSU activity is as follows:

Outstanding at December 31, 2018

Granted

Vested

Forfeited

Outstanding at December 31, 2019 (1)

Number of
Shares

Weighted
Average
Fair Value

335,396   $

81,118  

(93,088)  

(24,270)  

299,156   $

53.17

95.91

34.27

62.32

73.35

(1) Based on 200% achievement of the performance metrics, approximately 172,000 shares of Insulet were earned for awards that were granted in 2017 for the

performance period ended December 31, 2019. These shares vested in February 2020.

The weighted-average grant-date fair value per share of PSUs granted was $95.91, $75.07 and $50.02 for the years ended December 31, 2019, 2018 and 2017,
respectively. The total fair value of PSUs vested was $3.2 million, $7.6 million and $0.9 million  for  the  years  ended  December  31,  2019, 2018  and  2017,
respectively.

64

 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2019, there was $12.2 million of unrecognized compensation cost related to PSUs, which is expected to be recognized over a weighted-
average period of 1.9 years.

Employee Stock Purchase Plan

The Employee Stock Purchase Plan (“ESPP”) authorizes the issuance of up to 880,000 shares of common stock to participating employees. Employees that
participant  in  the  Company’s  ESPP  may  annually  purchase  up  to  a  maximum  of  800  shares  per  offering  period  or  $25,000  worth  of  common  stock  by
authorizing payroll deductions of up to 10% of their base salary. The purchase price for each share purchased is 85% of the lower of the fair market value of
the common stock on the first or last day of the offering period. The Company issued 51,502, 46,343 and 59,134 shares of common stock for the years ended
December 31, 2019, 2018 and 2017,  respectively,  to  employees  participating  in  the  ESPP.  As  of  December  31,  2019, 547,075  shares  remain  available  for
future issuance under the ESPP Plan.

The  Company  uses  the  Black-Scholes  pricing  model  to  determine  the  fair  value  of  shares  purchased  under  the  ESPP.  The  calculation  of  the  fair  value  of
shares  purchased  is  affected  by  the  stock  price  on  the  purchase  date,  the  expected  volatility  of  the  Company’s  stock  over  the  expected  term,  the  risk-free
interest rate and the dividend yield. The estimated fair value of shares purchased under the ESPP were based on the following assumptions:

Risk-free interest rate

Expected term (in years)

Dividend yield

Expected stock price volatility

Years Ended December 31,

2019

1.6% - 2.3%  

2018
2.1% - 2.5%

2017
1.1% - 1.5%

0.5

—%

0.5

—%

0.5

—%

27.5% - 31.4%  

23.4% - 27.0%  

22.9% - 26.7%

The weighted average grant date fair value of the six-month option inherent in the ESPP was $46.30, $26.01, and $15.18, for the years ended December 31,
2019, 2018 and 2017, respectively.

As  of  December  31,  2019,  there  was  $1.0 million  of  unrecognized  compensation  cost  related  to  the  ESPP.  This  cost  is  expected  to  be  recognized  over  a
weighted average period of 0.4 years.

Note 15. Accumulated Other Comprehensive Loss

Changes in the components of accumulated other comprehensive loss, net of tax, were as follows:

(in millions)
Balance, December 31, 2016

Other comprehensive income (loss)

Balance, December 31, 2017

Other comprehensive loss

Balance, December 31, 2018

Other comprehensive income

Balance, December 31, 2019

Note 16. Defined Contribution Plan

Foreign Currency
Translation Adjustment  

Unrealized Losses on
Available-for-sale
Securities

Accumulated Other
Comprehensive Loss

  $

(0.5)   $

(0.2)   $

0.5  

—  

(2.2)  

(2.2)  

0.6  

(0.3)  

(0.5)  

(0.2)  

(0.7)  

1.1  

  $

(1.6)   $

0.4   $

(0.7)

0.2

(0.5)

(2.4)

(2.9)

1.7

(1.2)

The Company maintains a tax-qualified 401(k) retirement plan in the United States. The Company generally makes a matching contribution equal to 50% of
each employee’s elective contribution to the plan up to six percent of the employee’s eligible pay. In addition, the Company offers defined contribution plans
for eligible employees in its foreign subsidiaries. The total amount contributed by the Company to these defined contribution plans was $5.3 million, $3.6
million and $3.0 million for the years ended December 31, 2019, 2018 and 2017, respectively.

65

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Note 17. Interest Expense

Interest expense, net of portion capitalized was follows: 

(in millions)

Contractual coupon interest

Accretion of debt discount

Amortization of debt issuance costs

Capitalized interest

Interest expense, net of portion capitalized

Note 18. Income Taxes

The U.S. and foreign components of income (loss) before income taxes were as follows:

(in millions)
U.S.

Foreign

Income (loss) before income taxes

Income tax expense consists of the following: 

(in millions)
Current:

State

Foreign

Total current expense

Deferred:

Federal

Foreign

Total deferred expense

Income tax expense

Years Ended December 31,

2019

2018

2017

9.5   $

32.8  

2.8  

(10.5)  

34.6   $

9.8   $

26.7  

2.6  

(10.2)  

28.9   $

6.3

15.9

2.1

(3.1)

21.2

Years Ended December 31,

2019

2018

2017

2.5   $

12.0  

14.5   $

(3.0)   $

8.2  

5.2   $

(27.7)

1.1

(26.6)

Years Ended December 31,

2019

2018

2017

0.2   $

3.4  

3.6  

(0.1)  

(0.6)  

(0.7)  

2.9   $

0.2   $

2.1  

2.3  

—  

(0.4)  

(0.4)  

1.9   $

0.1

0.6

0.7

(0.3)

(0.2)

(0.5)

0.2

$

$

$

$

$

$

Reconciliations of the federal statutory income rate to the Company’s effective income tax rate are as follows:

U.S. statutory rate

Foreign rate differential

State taxes, net of federal benefit

Tax credits

Stock-based compensation

Loss on extinguishment of debt

Non-deductible officers’ compensation

Permanent items

Foreign income taxed in the U.S.

Change in valuation allowance

Other

Effective income tax rate

Years Ended December 31,

2019

2018

21.0 %  

4.2

1.3

(15.4)

(158.7)

14.8

1.9

3.0

19.0

130.6

(1.9)

21.0 %  

(2.4) —

2.9

(13.7)

(159.1)

—  

81.3

16.8

26.1

67.0

(2.9)

2017

34.0 %

0.3

10.2

13.3

33.6

—

(20.2)

(14.0)

—

(57.9)

(0.3)

19.8 %  

37.0 %  

(1.0)%

66

 
 
 
 
 
 
 
 
 
 
   
   
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As of December 31, 2019, 2018 and 2017 the Company had no uncertain tax positions.

In general, it is the Company’s practice and intention to reinvest the earnings of its non-U.S. subsidiaries in those operations. As of December 31, 2019, the
Company  has  chosen  to  indefinitely  reinvest  its  earnings  of  its  non-U.S.  subsidiaries,  except  Canada.  To  the  extent  the  Company  repatriates  its  foreign
earnings,  certain  withholding  taxes  and  state  taxes  may  apply.  The  Company  has  recorded  a  deferred  tax  liability  for  tax  that  could  be  incurred  upon
repatriation of the Canada earnings, the amount of which is not significant. A deferred tax liability related to the repatriation of the indefinitely reinvested
earnings would not be material to the Company’s consolidated financial statements.

The  Company  files  federal,  state  and  foreign  tax  returns,  which  are  subject  to  examination  by  the  relevant  tax  authorities.  The  tax  filings  relating  to  the
Company’s  federal  and  state  tax  returns  are  currently  open  to  examination  for  tax  years  2016  through  2018  and  2015  through  2018,  respectively.  The
Company is currently under exam in Ontario, Canada. In addition, the Company generated tax losses from inception in 2000. These years may be subject to
examination if the losses are carried forward and utilized in future years.

The components of the net deferred tax asset at the end of each year are as follows:

(in millions)
Deferred tax assets:

Net operating loss carryforwards

Tax credits

Provision for bad debts

Depreciation and amortization

Capital loss carryforwards

Stock-based compensation

Other

Total deferred tax assets

Deferred tax liabilities:

Prepaid assets

Depreciation and amortization

Amortization of debt discount

Capitalized contract acquisition costs

Other

Total deferred tax liabilities

Net deferred tax asset before valuation allowance

Valuation allowance

Net deferred tax asset

As of December 31,

2019

2018

$

144.6   $

15.2  

1.2  

—  

12.7  

8.9  

12.6  

195.2  

(2.1)  

(2.2)  

(73.4)  

(7.1)  

(5.0)  

(89.8)  

105.4  

(104.4)  

$

1.0   $

124.9

13.0

1.1

3.5

12.6

9.3

6.4

170.8

(2.0)

—

(35.7)

(5.8)

(0.8)

(44.3)

126.5

(126.3)

0.2

The valuation allowances for deferred tax assets of $104.4 million and $126.3 million at December 31, 2019 and 2018, respectively, relate primarily to U.S.
tax loss carryforwards that management believes are not more likely than not to be utilized. The $21.9 million decrease in the Company’s valuation allowance
during the year ended December 31, 2019 was primarily due to the issuance of convertible debt discussed in Note 12.

The Company’s net operating loss carryforwards consist of the following:

(in millions)
Gross federal net operating loss carryforwards

State operating loss carryforwards

Total

Years Ended December 31,

2019

2018

$

$

607.4   $

298.8  

906.2   $

528.1

246.4

774.5

For U.S. federal tax purposes, $66.8 million of the net operating losses have an indefinite carryforward period. The remaining federal carryforwards, if not
utilized,  will  begin  to  expire  in  2020  and  will  continue  to  expire  through  2037,  and  the  state  carryforwards  will  continue  to  expire  through  2038.  The
utilization of such net operating loss carryforwards and the realization of tax benefits in future years depends predominantly upon the Company’s ability to
generate taxable income. Research and

67

 
 
 
   
 
   
 
 
development and other tax credits were $16.1 million and $13.0 million at December 31, 2019 and 2018, respectively. If not utilized, federal research and
development credits will begin to expire in 2022.

Note 19. Net Income (Loss) Per Share

Basic net income (loss) per share is computed by dividing net income (loss) by the weighted average number of common shares outstanding for the period.
Diluted  net  income  (loss)  per  share  is  computed  using  the  weighted  average  number  of  common  shares  outstanding  and,  when  dilutive,  common  share
equivalents from outstanding stock options and restricted stock units (using the treasury-stock method), and potential common shares from the Company’s
convertible notes (using the if-converted method).

The table below sets forth the components used in the computation of basic and diluted net income (loss) per share:

(in millions, except share and per share data)
Numerator:

          Net income (loss)

Denominator:

Years Ended December 31,

2019

2018

2017

$

11.6   $

3.3   $

(26.8)

         Weighted average number of common shares outstanding, basic

60,593,846  

58,859,574  

58,003,434

Effect of dilutive common share equivalents

           Stock options

           Restricted stock units

1,486,973  

1,678,535  

223,529  

469,915  

—

—

Weighted average number of common shares outstanding, diluted

62,304,348  

61,008,024  

58,003,434

Net income (loss) per share:

Basic

Diluted

$

$

0.19   $

0.19   $

0.06   $

0.05   $

(0.46)

(0.46)

The number of common share equivalents excluded from the computation of diluted net income (loss) per share because either the effect would have been
anti-dilutive, or the performance criteria related to the units had not yet been met were as follows:

2.00% Convertible Senior Notes

1.25% Convertible Senior Notes

1.375% Convertible Senior Notes

0.375% Convertible Senior Notes

Unvested restricted stock units

Outstanding stock options

Years Ended December 31,

2019

2018

2017

—  

—  

4,319,429  

3,528,400  

430,593  

12,820  

—  

5,910,954  

4,319,429  

—  

289,974  

236,648  

78,783

5,910,954

4,319,429

—

994,364

3,377,220

Total common share equivalents excluded from computation of diluted net income
(loss) per share

8,291,242  

10,757,005  

14,680,750

68

 
 
 
 
   
   
 
   
   
 
   
   
 
   
   
 
 
 
 
Note 20. Quarterly Data (Unaudited)

(in millions, except per share data)
Revenue

Gross profit

Net income

Net income per share:

                  Basic

                  Diluted

March 31

June 30

September 30 (1)

December 31 (2)

2019 Quarters Ended

159.6   $

106.7   $

4.4   $

0.07   $

0.07   $

177.1   $

116.4   $

1.4   $

0.02   $

0.02   $

192.1   $

123.1   $

0.8   $

0.01   $

0.01   $

209.4

134.1

5.0

0.08

0.08

$

$

$

$

$

(1) Net income includes a $6.4 million loss on extinguishment of debt incurred in connection with the repurchase of the Company’s 1.25% Convertible Senior

Notes.

(2) Net income includes a $2.3 million loss on extinguishment of debt incurred in connection with the repurchase of the Company’s 1.25% Convertible Senior

Notes.

(in millions, except per share data)
Revenue

Gross profit

Net income (loss)

Net income (loss) per share:

                  Basic

                  Diluted

2018 Quarters Ended

March 31

June 30

September 30 (3)

December 31

123.6   $

75.8   $

(6.6)   $

(0.11)   $

(0.11)   $

124.2   $

82.1   $

(1.7)   $

(0.03)   $

(0.03)   $

151.1   $

102.0   $

1.7   $

0.03   $

0.03   $

164.9

110.3

9.9

0.17

0.16

$

$

$

$

$

(3) Net income includes a charge of $12.6 million for severance costs associated with the retirement of the Company’s former CEO, of which $8.2 million

represented stock-based compensation expense for the accelerated vesting of share-based equity awards.

69

 
 
 
 
 
   
   
   
 
 
 
 
 
   
   
   
Table of Contents

SCHEDULE II — VALUATION AND QUALIFYING ACCOUNTS

The following table sets forth activities in the Company’s accounts receivable reserve, reserve for rebates and deferred tax valuation allowance accounts:

Description

(in millions)
Year Ended December 31, 2019

Allowance for doubtful accounts

Reserve for rebates

Deferred tax valuation allowance

Year Ended December 31, 2018

Allowance for doubtful accounts

Reserve for rebates

Deferred tax valuation allowance

Year Ended December 31, 2017

Allowance for doubtful accounts

Reserve for rebates

Deferred tax valuation allowance

Balance at
Beginning of
Period

Additions Charged 
to Costs and
Expenses

Deductions

Balance at
End
of Period

3.6   $

8.6   $

126.3   $

2.5   $

6.3   $

127.9   $

2.9   $

1.4   $

191.9   $

  $

  $

  $

  $

  $

  $

  $

  $

  $

70

4.5   $

59.1   $

43.6   $

3.4   $

34.1   $

13.9   $

1.9   $

16.1   $

14.2   $

(4.3)   $

(55.6)   $

(65.5)   $

(2.3)   $

(31.8)   $

(15.5)   $

(2.3)   $

(11.2)   $

(78.2)   $

3.8

12.1

104.4

3.6

8.6

126.3

2.5

6.3

127.9

 
 
 
 
 
   
   
   
   
   
   
   
   
   
   
   
   
Table of Contents

ITEM 9. CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.

Item 9A. Controls and Procedures

Disclosure Controls and Procedures
Our management, with the participation of our chief executive officer and chief financial officer, evaluated the effectiveness of our disclosure controls and
procedures  as  of  December  31,  2019.  The  term  “disclosure  controls  and  procedures,”  as  defined  in  Rules  13a-15(e)  and  15d-15(e)  under  the  Securities
Exchange Act of 1934, as amended (the “Exchange Act”) means controls and other procedures of a company that are designed to ensure that information
required to be disclosed by a company in the reports that it files or submits under the Exchange Act is recorded, processed, summarized and reported, within
the  time  periods  specified  in  the  Securities  and  Exchange  Commission’s  rules  and  forms.  Disclosure  controls  and  procedures  include,  without  limitation,
controls and procedures designed to ensure that information required to be disclosed by a company in the reports that it files or submits under the Exchange
Act  is  accumulated  and  communicated  to  the  company’s  management,  including  its  principal  executive  and  principal  financial  officers,  as  appropriate  to
allow timely decisions regarding required disclosure. Management recognizes that any controls and procedures, no matter how well designed and operated,
can  provide  only  reasonable  assurance  of  achieving  their  objectives  and  management  necessarily  applies  its  judgment  in  evaluating  the  cost-benefit
relationship  of  possible  controls  and  procedures.  Based  on  the  evaluation  of  our  disclosure  controls  and  procedures  as  of  December  31,  2019,  our  chief
executive officer and chief financial officer concluded that, as of such date, our disclosure controls and procedures were effective at a reasonable assurance
level.

Changes in Internal Control Over Financial Reporting
There were no changes in our internal control over financial reporting during the three months ended December 31, 2019 that have materially affected, or are
reasonably likely to materially affect, our internal control over financial reporting.

Management’s Annual Report on Internal Control Over Financial Reporting
Our  management  is  responsible  for  establishing  and  maintaining  adequate  internal  control  over  financial  reporting.  Management’s  assessment  included  an
evaluation of the design of the Company's internal control over financial reporting and testing of the operational effectiveness of our internal control over
financial  reporting.  Our  management  assessed  the  effectiveness  of  our  internal  control  over  financial  reporting  as  of  December  31,  2019.  In  making  this
assessment,  our  management  used  the  criteria  set  forth  by  the  Committee  of  Sponsoring  Organizations  of  the  Treadway  Commission  2013  (“COSO”)  in
Internal Control — Integrated Framework (the COSO criteria). Based on our assessment, we believe that our internal controls over financial reporting were
effective as of December 31, 2019.

The effectiveness of our internal control over financial reporting as of December 31, 2019 has been audited by Grant Thornton LLP, an independent registered
public accounting firm. Their report is included in Item 8 of this Form 10-K.

ITEM 9B. OTHER INFORMATION

None.

PART III

Item 10. Directors, Executive Officers and Corporate Governance

The  information  required  by  this  Item  will  be  set  forth  in  our  definitive  proxy  statement  for  our  2020  Annual  Meeting  of  Stockholders  (the  “Proxy
Statement”) and is incorporated herein by reference.

Item 11. Executive Compensation

The information required by this Item will be set forth in the Proxy Statement and is incorporated herein by reference.

71

Table of Contents

Item 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters

Other than as set forth below, the information required by this Item will be set forth in the Proxy Statement and is incorporated herein by reference.

Securities Authorized for Issuance Under Equity Compensation Plans

The following table sets forth information regarding securities authorized for issuance under our equity compensation plans as of December 31, 2019. 

Plan Category
Equity compensation plans approved by security holders (1)

Equity compensation plans not approved by security holders (3)

Total

Number of securities to be
issued upon exercise of
outstanding options,
warrants and rights
(a)

Weighted average
exercise price of
outstanding options,
warrants and rights
(b)

Number of securities
remaining available for
future issuance
(excluding securities
reflected in column (a))
(c)

1,246,226   $

483,286   $

1,729,512   $

49.19  

35.59  

45.39  

3,936,268 (2) 

—  

3,936,268  

(1) Includes our 2017 Stock Option and Incentive Plan and our Amended and Restated 2007 Stock Option and Incentive Plan. Outstanding restricted stock
units  convert  to  common  stock  without  the  payment  of  consideration.  As  of  December  31,  2019, 651,443  restricted  stock  units  were  outstanding.  The
weighted-average exercise price of outstanding options as of such date issued under these Plans (excluding restricted stock units) was $49.19.  For  more
information relating to our equity compensation plans, see Note 14 to our consolidated financial statements.

(2) Includes 3,936,268 shares available for future issuance under our 2017 Stock Option and Incentive Plan.

(3) Consists of the following inducement grants made to certain executive officers upon their initial hire by the Company:

• one inducement grant of 499,468 shares of non-qualified stock option awards made to Patrick J. Sullivan in September 2014 (109,468 of which have

been exercised as of December 31, 2019);

• one inducement grant of 79,936 non-qualified stock options made to Shacey Petrovic upon being hired by us in February 2015; and

• one inducement grant of 30,511 non-qualified stock options made to Michael Spears (17,161 of which have been exercised as of December 31, 2019)

upon being hired by us in July 2015.

These  non-qualified  stock  option  awards  were  granted  outside  of  our  Amended  and  Restated  2007  Stock  Option  and  Incentive  Plan  in  compliance  with
Nasdaq Listing Rule 5635.

Item 13. Certain Relationships and Related Transactions, and Director Independence

The information required by this Item will be set forth in the Proxy Statement and is incorporated herein by reference.

Item 14. Principal Accounting Fees and Services

The information required by this Item will be set forth in the Proxy Statement and is incorporated herein by reference.

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PART IV

Item 15. Exhibits, Financial Statement Schedules

(a) Financial Statements and Schedules

(1) and (2) The required information is set forth in Item 8—“Financial Statements and Supplementary Data.”

(3) Exhibit Index:

Number

Description

3.1

3.2

4.1

4.2

4.3

4.4

4.5

10.1*

10.2*

10.3*

10.4*

10.5*

10.6*

10.7*

10.8*

10.9*

Eighth Amended and Restated Certificate of Incorporation of the Registrant (Incorporated by reference to Exhibit 3.1 to our Registration
Statement on Form S-8 (No. 333-144636) filed July 17, 2007)

Amended and Restated By-laws of the Registrant (Incorporated by reference to Exhibit 3.1 to our Current Report on Form 8-K, filed
February 26, 2016) 

Specimen Stock Certificate (Incorporated by reference to Exhibit 4.1 to Amendment No.2 to our Registration Statement on Form S-1 (File
No. 333-140694) filed April 25, 2007)

Indenture, dated as of November 10, 2017, between Insulet Corporation and Wells Fargo Bank, National Association, as Trustee
(Incorporated by reference to Exhibit 4.1 to our Current Report on Form 8-K, filed on November 13, 2017)

Form of 1.375% Convertible Senior Notes due 2024 (included in Exhibit 4.2)

Indenture, dated as of September 6, 2019, between Insulet Corporation and Wells Fargo Bank, National Association, as Trustee
(Incorporated by reference to Exhibit 4.1 to our Current Report on Form 8-K filed September 9, 2019).

Form of 0.375% Convertible Notes due 2026 (included in Exhibit 4.1 to our Quarterly Report on Form 10-Q for the fiscal quarter ended
September 30, 2019, filed November 5, 2019)

Insulet Corporation 2017 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.1 to our Current Report on Form 8-K
filed May 19, 2017) 

Form of Insulet Corporation 2017 Stock Option and Incentive Plan Incentive Stock Option Agreement for Employees (Incorporated by
reference to Exhibit 10.4 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2017, filed August 4, 2017)

Form of Insulet Corporation 2017 Stock Option and Incentive Plan Non-Qualified Stock Option Agreement for Employees (Incorporated
by reference to Exhibit 10.5 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2017, filed August 4, 2017)

Form of Insulet Corporation 2017 Stock Option and Incentive Plan Restricted Stock Unit Agreement for Employees (Incorporated by
reference to Exhibit 10.6 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2017, filed August 4, 2017)

Form of Insulet Corporation 2017 Stock Option and Incentive Plan Performance Vesting Restricted Stock Unit Agreement for Officers
(Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the fiscal quarter ended September 30, 2017, filed
November 3, 2017)

Form of Insulet Corporation 2017 Stock Option and Incentive Plan Non-Qualified Stock Option Agreement for Directors (Incorporated by
reference to Exhibit 10.2 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2017, filed August 4, 2017)

Form of Insulet Corporation 2017 Stock Option and Incentive Plan Restricted Stock Unit Agreement for Directors (Incorporated by
reference to Exhibit 10.3 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2017, filed August 4, 2017)

Third Amended and Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Appendix A to our Definitive Proxy
Statement on Schedule 14A filed on April 2, 2015)

Form of Vice President Restricted Stock Unit Agreement with Performance Component under the Insulet Corporation Third Amended and
Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the
fiscal quarter ended March 31, 2017, filed May 9, 2017)

10.10*

Form of Employee Restricted Stock Unit Agreement with Performance Component under the Insulet Corporation Third Amended and
Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.2 to our Quarterly Report on Form 10-Q for the
fiscal quarter ended March 31, 2017, filed May 9, 2017)

73

Table of Contents

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*

10.25*

10.26*

10.27*

Form of Executive Officer 3 Year Performance Vesting Restricted Stock Unit Agreement under the Insulet Corporation Third Amended
and Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.3 to our Quarterly Report on Form 10-Q for
the fiscal quarter ended March 31, 2017, filed May 9, 2017)

Form of Vice President 3 Year Performance Vesting Restricted Stock Unit Agreement under the Insulet Corporation Third Amended and
Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.4 to our Quarterly Report on Form 10-Q for the
fiscal quarter ended March 31, 2017, filed May 9, 2017)

Form of Executive Officer Cliff Vesting Performance Restricted Stock Unit Agreement under the Insulet Corporation Third Amended and
Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.5 to our Quarterly Report on Form 10-Q for the
fiscal quarter ended March 31, 2017, filed May 9, 2017) 

Form of International 3 Year Vesting Restricted Stock Unit Agreement under the Insulet Corporation Third Amended and Restated 2007
Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.6 to our Quarterly Report on Form 10-Q for the fiscal quarter
ended March 31, 2017, filed May 9, 2017) 

Form of Executive Officer 3 Year Incentive Stock Option Agreement under the Insulet Corporation Third Amended and Restated 2007
Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.7 to our Quarterly Report on Form 10-Q for the fiscal quarter
ended March 31, 2017, filed May 9, 2017) 

Form of International Non-Qualified Stock Option Agreement under the Third Amended and Restated 2007 Stock Option and Incentive
Plan (Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2016, filed
August 4, 2016)

Form of Non-Qualified Stock Option Agreement for Non-Employee Directors under the Third Amended and Restated 2007 Stock Option
and Incentive Plan (Incorporated by reference to Exhibit 10.3 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30,
2016, filed August 4, 2016)

Form of Vice President Incentive Stock Option Agreement (Three Year Vest) under the Third Amended and Restated 2007 Stock Option
and Incentive Plan (Incorporated by reference to Exhibit 10.4 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30,
2016, filed August 4, 2016) 

Form of Non-Executive Employee Time Vesting Restricted Stock Unit Agreement under the Insulet Corporation Third Amended and
Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.59 to our Annual Report on Form 10-K for the
fiscal year ended December 31, 2015, filed February 29, 2016)

Form of Non-Executive Employee Incentive Stock Option Agreement under the Insulet Corporation Third Amended and Restated 2007
Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.60 to our Annual Report on Form 10-K for the fiscal year ended
December 31, 2015, filed February 29, 2016)

Form of Section 16 Officer Time Vesting Restricted Stock Unit Agreement under the Insulet Corporation Third Amended and Restated
2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.61 to our Annual Report on Form 10-K for the fiscal year
ended December 31, 2015, filed February 29, 2016)

Form of Section 16 Officer Incentive Stock Option Agreement under the Insulet Corporation Third Amended and Restated 2007 Stock
Option and Incentive Plan (Incorporated by reference to Exhibit 10.62 to our Annual Report on Form 10-K for the fiscal year ended
December 31, 2015, filed February 29, 2016)

Form of Vice President Time Vesting Restricted Stock Unit Agreement under the Insulet Corporation Third Amended and Restated 2007
Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.63 to our Annual Report on Form 10-K for the fiscal year ended
December 31, 2015, filed February 29, 2016)

Form of Vice President Incentive Stock Option Agreement under the Insulet Corporation Third Amended and Restated 2007 Stock Option
and Incentive Plan (Incorporated by reference to Exhibit 10.64 to our Annual Report on Form 10-K for the fiscal year ended December 31,
2015, filed February 29, 2016)

Form of Canada Non-Qualified Stock Option Agreement for Company Employees under the Insulet Corporation Second Amended and
Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the
fiscal quarter ended June 30, 2015, filed August 12, 2015) 

Form of Canada Time Vesting Restricted Stock Unit Agreement under the Insulet Corporation Second Amended and Restated 2007 Stock
Option and Incentive Plan (Incorporated by reference to Exhibit 10.2 to our Quarterly Report on Form 10-Q for the fiscal quarter ended
June 30, 2015, filed August 12, 2015)

Form of Incentive Stock Option Agreement under the Insulet Corporation Third Amended and Restated 2007 Stock Option and Incentive
Plan (Incorporated by reference to Exhibit 10.4 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2015, filed
August 12, 2015)

74

Table of Contents

10.28*

10.29*

10.30*

10.31*

10.32*

10.33*

10.34*

10.35*

10.36*

10.37*

10.38*

10.39*

10.40*

10.41*

10.42*

10.43*

10.44*

10.45*

10.46*

Form of Incentive Stock Option Agreement under the Second Amended and Restated 2007 Stock Option and Incentive Plan - 2015 Sales
Plan (Incorporated by reference to Exhibit 10.51 to our Annual Report on Form 10-K for the fiscal year ended December 31, 2014, filed
February 26, 2015)

Form of Non-Qualified Stock Option Agreement for Shacey Petrovic under the Second Amended and Restated 2007 Stock Option and
Incentive Plan (Incorporated by reference to Exhibit 10.53 to our Annual Report on Form 10-K for the fiscal year ended December 31,
2014, filed February 26, 2015)

Form of UK Non-Qualified Stock Option Agreement for Employees at the Vice President Level and Above under the Second Amended
and Restated 2007 Stock Option and Incentive Plan (Incorporated by reference to Exhibit 10.56 to our Annual Report on Form 10-K for
the fiscal year ended December 31, 2014, filed February 26, 2015)

Form of Non-Qualified Stock Option Agreement for Patrick J. Sullivan under the Second Amended and Restated 2007 Stock Option and
Incentive Plan (Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the fiscal quarter ended September 30,
2014, filed November 5, 2014)

Form of Non-Qualified Stock Option Agreement for Company Employees under the Second Amended and Restated 2007 Stock Option
and Incentive Plan (Incorporated by reference to Exhibit 10.4 to our Quarterly Report on Form 10-Q for the fiscal quarter ended
September 30, 2014, filed November 5, 2014)

Form of Non-Qualified Stock Option Agreement for Non-Employee Directors under the Second Amended and Restated 2007 Stock
Option and Incentive Plan (Incorporated by reference to Exhibit 10.5 to our Quarterly Report on Form 10-Q for the fiscal quarter ended
September 30, 2014, filed November 5, 2014)

Form of Incentive Stock Option Agreement under the Second Amended and Restated 2007 Stock Option and Incentive Plan (Incorporated
by reference to Exhibit 10.7 to our Quarterly Report on Form 10-Q for the fiscal quarter ended September 30, 2014, filed November 5,
2014)

Form of Incentive Stock Option Agreement for Section 16 Officers under the Second Amended and Restated 2007 Stock Option and
Incentive Plan (Incorporated by reference to Exhibit 10.10 to our Quarterly Report on Form 10-Q for the fiscal quarter ended September
30, 2014, filed November 5, 2014)

Form of Non-Qualified Stock Option Agreement for Section 16 Officers under the Second Amended and Restated 2007 Stock Option and
Incentive Plan (Incorporated by reference to Exhibit 10.11 to our Quarterly Report on Form 10-Q for the fiscal quarter ended September
30, 2014, filed November 5, 2014)

Form of Incentive Stock Option Agreement under the Second Amended and Restated 2007 Stock Option and Incentive Plan - October
2014 New Hires (Incorporated by reference to Exhibit 10.15 to our Quarterly Report on Form 10-Q for the fiscal quarter ended September
30, 2014, filed November 5, 2014)

Form of Non-Qualified Stock Option Agreement for Michael Levitz, David Colleran and Michael Spears (Incorporated by reference to
Exhibit 10.1 to our Registration Statement on Form S-8 (No. 333-208387) filed December 8, 2015)

Amended and Restated Executive Severance Plan, effective as of January 1, 2019 (Incorporated by reference to Exhibit 10.1 to our Current
Report on Form 8-K filed October 22, 2018)

Insulet Corporation Employee Stock Purchase Plan (Amended and Restated February 27, 2019) (Incorporated by reference to Exhibit 10.1
to our Current Report on Form 8-K filed May 30, 2019)

Form of Employee Non-Competition and Non-Solicitation Agreement by and between Insulet Corporation and each of its executive
officers (Incorporated by reference to Exhibit 10.17 to Amendment No. 2 to our Registration Statement on Form S-1 (File No. 333-
140694), filed April 25, 2007)

Offer Letter between Shacey Petrovic and Insulet Corporation, dated September 10, 2018 (Incorporated by reference to Exhibit 10.1 to our
Current Report on Form 8-K filed September 14, 2018)

Offer Letter between Wayde D. McMillan and Insulet Corporation, dated January 3, 2019 (Incorporated by reference to Exhibit 10.1 to our
Current Report on Form 8-K filed on January 7, 2019)

Employment Agreement by and between Insulet Corporation and Patrick J. Sullivan dated September 16, 2014 (Incorporated by reference
to Exhibit 10.2 to our Current Report on Form 8-K filed September 16, 2014)

Retirement Agreement between Patrick J. Sullivan and Insulet Corporation, dated September 10, 2018 (Incorporated by reference to
Exhibit 10.2 to our Current Report on Form 8-K filed September 14, 2018)

Letter Agreement between Brad Thomas and Insulet Corporation, dated April 27, 2018 (Incorporated by reference to Exhibit 10.1 to our
Current Report on Form 8-K filed May 1, 2018)

10.47+

Materials Supplier Agreement between Insulet Corporation and Flextronics Medical Sales and Marketing, Ltd, dated September 1, 2016
(Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the fiscal quarter ended June 30, 2016, filed
November 4, 2016)

75

Table of Contents

10.48+

10.49+

10.50+

10.51

10.52+

10.53+

10.54

10.55*

21.1#

23.1#

24.1#

31.1#

31.2#

32.1**

101

+

*

#

**

First Amendment to Materials Supplier Agreement between Insulet Corporation and Flextronics Medical Sales and Marketing, Ltd,
entered into on June 29, 2018 and made effective as of January 1, 2018 (Incorporated by reference to Exhibit 10.1 to our Quarterly Report
on Form 10-Q for the fiscal quarter ended June 30, 2018, filed August 2, 2018)

Settlement and Cross-License Agreement, dated September 18, 2013, by and among the Company and Medtronic Inc., Medtronic
MiniMed Inc., and Medtronic Puerto Rico Operations Co. (Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-
Q for the fiscal quarter ended September 30, 2013, filed November 7, 2013)

Master Equipment and Services Agreement between Insulet Corporation and ATS Automated Tooling Systems Inc., dated August 31,
2016 (Incorporated by reference to Exhibit 10.2 to our Quarterly Report on Form 10-Q for the fiscal quarter ended September 30, 2016,
filed November 4, 2016) 

Purchase and Sale Agreement by and between 100 Nagog Park Limited Partnership and Insulet Corporation, dated December 16, 2016
(Incorporated by reference to Exhibit 1.1 to our Current Report on Form 8-K filed December 20, 2016 (Items 1.01 and 9.01) 

Supply Agreement, dated November 21, 2013, between Amgen and Insulet Corporation, as amended by Amendment No. 1 through
Amendment No. 14 (Incorporated by reference to Exhibit 10.18 to our Annual Report on Form 10-K for the fiscal year ended December
31, 2016, filed February 28, 2017)

Amendment No. 16, entered into effective as of August 15, 2018, to Supply Agreement, dated November 21, 2013, between Amgen Inc.
and Insulet Corporation (Incorporated by reference to Exhibit 10.1 to our Quarterly Report on Form 10-Q for the fiscal quarter ended
September 30, 2018, filed November 1, 2018)

Form of Capped Call Transactions Confirmation (Incorporated by reference to Exhibit 10.1 to our Current Report on Form 8-K filed
September 9, 2019).

Offer Letter between John W. Kapples and Insulet Corporation, dated January 22, 2019 (Incorporated by reference to Exhibit 10.2 to our
Quarterly Report on Form 10-Q filed May 3, 2019).

Subsidiaries of the Registrant

Consent of Independent Registered Public Accounting Firm (Grant Thornton LLP)

Power of Attorney (included on signature page)

Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 by Chief Executive Officer

Certification pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 by Chief Financial Officer

Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, by Chief
Executive Officer and Chief Financial Officer

The following materials from Insulet Corporation’s Annual Report on Form 10-K for the year ended December 31, 2019 formatted in
XBRL (eXtensible Business Reporting Language): (i) the Consolidated Balance Sheets; (ii) the Consolidated Statements of Operations;
(iii) the Consolidated Statements of Comprehensive Income (Loss); (iv) the Consolidated Statements of Stockholders’ Equity; (v) the
Consolidated Statements of Cash Flows

Confidential treatment granted as to certain portions of this exhibit.

Management contract or compensation plan.

Filed herewith.

Furnished herewith.

Item 16. Form 10-K Summary

None.

76

Table of Contents

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has caused this report to be signed on its behalf by
the undersigned thereunto duly authorized.

February 25, 2020

February 25, 2020

INSULET CORPORATION

(Registrant)

/s/ Shacey Petrovic

Shacey Petrovic

Chief Executive Officer
(Principal Executive Officer)

/s/ Wayde McMillan

Wayde McMillan

Chief Financial Officer
(Principal Financial Officer)

77

 
 
 
 
 
 
 
 
 
 
 
Table of Contents

POWER OF ATTORNEY AND SIGNATURES

We, the undersigned officers and directors of Insulet Corporation, hereby severally constitute and appoint Shacey Petrovic and Wayde McMillan, and each of
them singly, our true and lawful attorneys, with full power to them and each of them singly, to sign for us in our names in the capacities indicated below, on
all amendments to this Report, and generally to do all things in our names and on our behalf in such capacities to enable Insulet Corporation to comply with
the provisions of the Securities Exchange Act of 1934, as amended, and all requirements of the Securities and Exchange Commission.

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 on February 25, 2020.

Signature

/s/    Shacey Petrovic

Shacey Petrovic

/s/    Wayde McMillan

Wayde McMillan

/s/    Lauren Budden

Lauren Budden

/s/    Sally Crawford

Sally Crawford

/s/    John A. Fallon, M.D.

John A. Fallon, M.D.

/s/    James R. Hollingshead

James R. Hollingshead

/s/    Jessica Hopfield

Jessica Hopfield

/s/    David A. Lemoine

David A. Lemoine

/s/    Michael R. Minogue

Michael R. Minogue

/s/    Corinne H. Nevinny

Corinne H. Nevinny

/s/    Timothy J. Scannell

Timothy J. Scannell

Title
Chief Executive Officer

(Principal Executive Officer)

Chief Financial Officer

(Principal Financial Officer)

Chief Accounting Officer and Controller

(Principal Accounting Officer)

Director

Director

Director

Director

Director

Director

Director

Director

78

  
 
  
 
  
 
 
 
 
  
 
 
  
 
 
 
 
 
  
 
 
  
 
 
  
 
 
  
 
 
 
SUBSIDIARIES OF THE REGISTRANT

EXHIBIT 21.1

Name of Entity

Sub-Q Solutions, Inc.

Insulet MA Securities Corporation

Insulet Singapore Private Limited

Insulet Canada Corporation

Insulet Consulting (Shenzhen) Co., Ltd.

Insulet International Holdings Ltd.

Insulet International Ltd.

Insulet Austria GmbH

Insulet France SAS

Insulet Germany GmbH

Insulet Netherlands B.V.

Insulet Netherlands Holdings B.V.

Insulet Switzerland GmbH

Insulet Mexico, S. de R.L. de C.V.

State/Country of Organization

Delaware

Massachusetts

Singapore

Canada

China

United Kingdom

United Kingdom

Austria

France

Germany

Netherlands

Netherlands

Switzerland

Mexico

 
 
 
 
  
  
  
  
 
 
 
 
 
 
 
 
 
 
 
Consent of Independent Registered Public Accounting Firm

EXHIBIT 23.1

We have issued our report dated February 25, 2020, with respect to the consolidated financial statements, schedule, and internal control over financial
reporting included in the Annual Report of Insulet Corporation on Form 10-K for the year ended December 31, 2019.  We consent to the incorporation by
reference of said report in the Registration Statements of Insulet Corporation on Forms S-3 (No. 333-158354 and 333-172782) and on Forms S-8 (No. 333-
231860, 333-144636, 333-153176, 333-183166, 333-202689, 333-208387 and 333-218125).

/s/ GRANT THORNTON LLP

Boston, Massachusetts

February 25, 2020

EXHIBIT 31.1

I, Shacey Petrovic, certify that:    

CERTIFICATION

1.

2.

3.

4.

I have reviewed this Annual Report on Form 10-K of Insulet Corporation;

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) 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;

b) 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;

c) 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

d) Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s

most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) 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) 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

b) 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.

/s/ Shacey Petrovic

Shacey Petrovic
Chief Executive Officer

Date:

February 25, 2020

 
 
 
 
 
 
 
 
EXHIBIT 31.2

I, Wayde McMillan, certify that:

CERTIFICATION

1.

2.

3.

4.

I have reviewed this Annual Report on Form 10-K of Insulet Corporation;

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 most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) 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.

/s/ Wayde McMillan

Wayde McMillan
Chief Financial Officer

Date: February 25, 2020

 
 
 
 
 
 
 
 
 
 
 
 
CERTIFICATION PURSUANT TO
18 U.S.C. SECTION 1350,
AS ADOPTED PURSUANT TO
SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

EXHIBIT 32.1

Pursuant to 18 U.S.C. § 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned officers of
Insulet Corporation, a Delaware corporation (the “Company”), does hereby certify with respect to the Annual Report of the Company on Form
10-K for the fiscal year ended December 31, 2019, as filed with the Securities and Exchange Commission (the “Report”) that, to their
knowledge:

(1) The Report fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the
Company.

/s/ Shacey Petrovic                                     

Shacey Petrovic
Chief Executive Officer

Date: February 25, 2020

/s/ Wayde McMillan

Wayde McMillan
Chief Financial Officer

Date: February 25, 2020