Solutions

Objectives for Today

Introduce my company

Get an understanding of your business

Share our innovative cash-flow solutions

Discuss recommendations & next steps

What We Do for Our Clients

1. We have been providing progressive cash-flow solutions to businesses and medical practices of all sizes since 1970.

2. We have helped over 200,000 clients eliminate their need for traditional collection agencies and collected $280M last year alone.

3. Our services are based on fixed-fee pricing that is between $6 and $16 per account, depending on account volume.

4. Our services are fully compliant with all regulations affecting 1st & 3rd party collections.

5. Our services allow our clients to react quickly and appropriatelyto slow paying accounts.

Some of Our Clients

Plus over 30,000 other clients nationwide

We Are the Leading Provider of Medical & Dental Cash Flow Solutions

• We represent over 20,000 medical and dental practiced nationally

• Many organizations and associations have endorsed and recommended our diplomatic and effective collection solutions

• We are the regulatory compliance leader in healthcare account resolution

• Our serviced interface seamless with

most practice management software.

Let’s Talk about Your Business

Accounts Receivable Checklist

1. How many bills do you send each month?

2. When do you consider an account to be delinquent?

3. Talk me through your internal follow-up process.

4. Aging report snapshot:

1. Are you working with a collection agency or attorney?

2. If you redesigned your billing process, what would you change?

3. Who, in addition to yourself, will make a decision about TSI?

Let’s Agree on a Few Things

Consistent and effective follow-up can be challenging and expensive

Most business would prefer to never have to use a collection agency or attorney at all

The older an account gets, the harder it is to collect

Early Intervention Pays Off

Account Collectability

030

6M90

60

1Y

Total Days Delinquent

10%

30%

70%

90%

Collecting Money is Harder Than Ever

One in Three People have an

Account in CollectionsThe Average Collection Agency

Recovery Rate Last Year was 12.8%

FICO Has Just Deemphasized

Medical Debt on Credit Scores

The typical U.S. Consumer

has Twelve Active Creditors

Cash Flow can be a Big Problem

The Four Customer Payer Types

Here is what we know:

➔ You deal with all four

➔ They all require a different approach

➔ It is a mistake to treat them all the same

How to Collect from All Four Typesof Payers

Statement

Reminders

3rd Party Impact

Professional

CollectorDeliberate

Disrespectful

Distracted

Dutiful Pay upon receipt

Objective: Get to the Disrespectful and Deliberate Payers as quickly and inexpensively as possible

1st Party Reminders (Accelerator)

3rd Party Demands (Profit Recovery)

Late Stage(Collections)

For Distracted Accounts

• We make 5 contacts in your company/practice’s name• Over a 35 day timeframe• You pay flat fee typically between $6 - $16 per account• Less expensive than sending statements/letters/phone calls• We do all the work, but the contacts are coming from you• Best utilized around 31-50 days

1st Party Reminders (Accelerator)

For Disrespectful Payers

• We make 5 Collection Demands from a third party.

• Recoveries occur as soon as a 3rd party is involved

• You pay flat fee between $6.00 - $16.00 per account depending on volume for five 3rd Party demands

• Best utilized in the 45-90 day range

• Options include Messenger and Direct Connect

• All money goes directly to your company/practice – this is instant cash flow

3rd Party Demands (Profit Recovery)

We Even Say “Thank You” for Paying

Optional & Free

Profit Recovery

For Deliberate Debtors

• National team of professional collectors will turn up the heat on overdue accounts

• Services include: skip-tracing, asset discovery & legal efforts

• All recovered funds are now directed to the collector

• Contingency based fee structure –No Collection/No Charge

• Once an account is placed in TSI Collections, you will want to leave any type of payment arrangement with your debtors to us and refer them to TSI

• Best utilized on 120+ day accounts, mailskips and accounts unresponsive during Profit Recovery

• You can directly assign accounts to TSI Collections

It is time for the professional debtors to deal with

professional collectors.

Late Stage(Collections)

Progressive Account Resolution

The Right Solution at the Right Time

Your Statement or Invoice

Late Stage

3rd Party Demands

1st Party Reminders Accelerator

Profit Recovery

Collections

Easy to Use

• Online client portal for submitting accounts & reporting

*demo available on request

• Free client launch & support

• 24/7 Access

• Free training for your staff

In Conclusion, Our Solutions:

• Collect more money … much faster

• Reduce your internal follow-up expenses

• Give you a staged approach to your receivables

• Are 100% guaranteed to work for you

• Have the fastest ramp-up time in the industryYou will see results in a matter of days, not weeks or months

Performance Reports

Let’s Look at Some Results

Accelerator

Results by Industry

How Accelerator Works

B2C

• These are aggregated recommended use results from our 1000’s of B2C clients.

• Most of our clients use Accelerator after their 1st or 2nd statement.

• All of our reminders are 1st

party contacts, using the name of your business.

• All money goes directly to you from your customer or patient.

Accelerator Recommended Use Results Per 100 Accounts Entered

Market Sector - B2C

Cost & Usage Summary

Total Investment: $1,340.76

Average Cost Per Account : $13.41

Average Balance: $694.00

Average Age of Accounts Entered (Days): 36

Recovery

Total Dollars Entered: $69,400.27

Less Mail Skips: $123.01

Less Accounts Still Active: $4,345.07

Net Dollars Entered: $64,932.19

Total Performance $53,158.88

Paid in Full: $40,802.15

Cancelled (Fully Resolved): $3,563.95

Suspended: $5,707.14

Partial Payments: $3,085.64

Recovery Rate Percentage on Net Dollars Entered: 81.87%

Percent of Accounts Responding: 72.52%

Return on Investment:

Cost of getting paid as a percentage of the amount recovered: 2.52%

R.O.I: 3965%

For every dollar invested, Transworld Systems Accelerator returned: $39.65

For every account entered, Transworld Systems Accelerator returned: $531.59

This agency is licensed by the NYC Department of Consumer Affairs. License number 1303526. 144c07_0813

B2BCommercial

• These are aggregated recommended use results from our B2B/Commercial clients.

• Most of our B2B clients use Accelerator before their 2nd statement.

• All of our reminders are 1st

party contacts, using the name of your business.

• All money goes directly to you from your customer.

Accelerator Recommended Use Results Per 100 Accounts Entered

Market Sector - B2B

Cost & Usage Summary

Total Investment: $1,378.40

Average Cost Per Account : $13.78

Average Balance: $2,297.27

Average Age of Accounts Entered (Days): 41

Recovery

Total Dollars Entered: $229,727.25

Less Mail Skips: $40.92

Less Accounts Still Active: $6,359.42

Net Dollars Entered: $223,326.91

Total Performance $197,789.70

Paid in Full: $137,684.29

Cancelled (Fully Resolved): $16,004.84Cancelled (Fully Resolved): $16,004.84

Suspended: $15,950.53

Partial Payments: $28,150.05

Recovery Rate Percentage on Net Dollars Entered: 88.57%

Percent of Accounts Responding: 85.57%

Return on Investment:

Cost of getting paid as a percentage of the amount recovered: 0.70%

R.O.I: 14349%

For every dollar invested, Transworld Systems Accelerator returned: $143.49

For every account entered, Transworld Systems Accelerator returned: $1,977.90

This agency is licensed by the NYC Department of Consumer Affairs. License number 1303526. 144c01_0813

Five Questions to Start Collecting

1. Where would you want us to start collecting?30 • 45 • 60 • 75 • 90 days

2. Start with 1st Party Reminders or Collection Agency Demands?3. How many accounts will you have each month at that age?4. How many to collect now?5. Recommended test systems:

50 Accounts $16.00 $800

100 Accounts $14.25 $1,425250 Accounts $13.25 $33,12500 Accounts $11.75 $5,8751000 Accounts $10.75 $10,750

*All systems good for 2 years*All systems subject to Performance Guarantee*Clients can reorder at any time during 2 years

Fixed Fee Pricing

Approx. Number ofAccounts per Month

Total Number of Accounts

(24 months)Cost Per Account

2 50 16.00

4 100 14.25

10 250 13.25

20 500 11.75

40 1,000 10.75

100 2,500 10.25

200 5,000 9.40

400 10,000 8.35

600 15,000 7.75

1000 25,000 7.25

2000 50,000 6.75

3000 75,000 6.50

4000 100,000 6.25

6000 150,000 5.95

8000 200,000 5.60

Selling Resources

We Interface with the Top Billing Software Platforms

The Creditor Bill of Rights

I. All businesses deserve to be paid on time.

II. Extending credit is a courtesy and should not bring financial or regulatory risk to a business.

III. All businesses should be able to focus on what they do best, free from the burden of collections.

IV. Unpaid bills negatively impact employment, prices, expansion, the cost of borrowing, and opportunity.

V. Businesses should not have to forfeit their profit margins to get help with their cash-flow.

VI. Late-paying customers should be held accountable to their obligations in a dignified, lawful and respectful manner.

We Are The Compliance Leader

HIPAA

FDCPA

TCPA

State Regs.www.tsico.com

TSI Collections Benefits

• We utilize some of the most sophisticated technology in the industry.

• All accounts are scrubbed for bankruptcies, recently deceased, and the National Change of Address (NCOA) database.

• Accounts are skip-traced electronically to ensure we are using the most up-to-date contact information available.

• All accounts are initially scored and segmented before being worked. This ensures optimal results are achieved.

Late Stage(Collections)

The Impact of Uncollected Money

$1,000 $5,000 $10,000 $25,000 $50,000 $100,000

Net

Profit

2% 50,000 250,000 500,000 1,250,000 2,500,000 5,000,000

3% 33,333 166,667 333,333 833,333 1,666,667 3,333,333

4% 25,000 125,000 250,000 625,000 1,250,000 2,500,000

5% 20,000 100,000 200,000 500,000 1,000,000 2,000,000

6% 16,667 83,333 166,667 416,667 833,333 1,666,667

7% 14,286 71,429 142,857 357,143 714,286 1,428,571

8% 12,500 62,500 125,000 312,500 625,000 1,250,000

9% 11,111 55,556 111,111 277,778 555,556 1,111,111

10% 10,000 50,000 100,000 250,000 500,000 1,000,000

15% 6,667 33,333 66,667 166,667 333,333 666,667

20% 5,000 25,000 50,000 125,000 250,000 500,000

If Your Uncollected Amount is:

Additional Revenue

Required to Offset Loss

Accelerator

Reminder 1:Diplomatic Letter

Reminder 2:Diplomatic Call

This is <TSI Client Name>with a courtesy call regarding your account and a letter we recently sent you on <Date>.

This message is for<Debtor Name>.

Please contact us at your earliest convenience at

<Phone> and reference your account number <Account>.

Again, that’s <TSI Client Name> at <Phone>.

Thank you for your immediate attention to this matter. To be

connected directly to your creditor, press 1.

Accelerator

Contact 3:Diplomatic

Reminder Letter

Contact 4:

Diplomatic

Reminder Call

Hello. This is not a telemarketing call. This is <TSI

Client Name> calling for the second time regarding your

account and a letter we recently sent you on <Date>. This

message is for <Debtor Name>.

Please contact us at your earliest convenience at <Phone> and

reference your account number <Account>. Again, that’s <TSI

Client Name> at <Phone>. Thank you for your immediate

attention to this matter. To be connected to a representative,

please press 1.

Puts patient on notice that they may be subject to further

Collection activity if they don’t pay now.

Accelerator

Contact 5:Final Warning Letter

Profit Recovery

Demand 1

Letter with Diplomatic,

Intensive or

Bad Check Options

Profit Recovery

Profit Recovery Call:

Hello. This is an important message from Transworld Systems, a debt collection

company. This is an attempt to collect a debt and any information obtained will be

used for that purpose.

We are calling in reference to a letter we sent you on <Date> regarding our client

<TSI Client Name>. Please return the call to <TSI Client Name> at <Phone>. Again,

that’s <TSI Client Name> at <Phone>. When calling please refer to your id code

<Account>.

Transworld Systems is a debt collection company and any information obtained

will be used for that purpose. Thank you. To be connected to a representative,

please press 1.

Demand 2

Letter or Call

Driving Urgency

Profit Recovery

Demand 3

Demand 4

Letter or Call

Profit Recovery Call:

Hello. This is an important message from Transworld Systems, a debt collection

company. This is an attempt to collect a debt and any information obtained will be

used for that purpose.

We are calling in reference to a letter we sent you on <Date> regarding our client

<TSI Client Name>. Please return the call to <TSI Client Name> at <Phone>. Again,

that’s <TSI Client Name> at <Phone>. When calling please refer to your id code

<Account>.

Transworld Systems is a debt collection company and any information obtained will

be used for that purpose. Thank you. To be connected to a representative, please

press 1.

Profit Recovery

Profit Recovery

Demand 5

Profit Recovery

Thank You Letter

Optional (and free) Thank You

Letter