1. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 SOLUTIONS FOR YOUR BUSINESS ACCOUNTS MANAGEMENT

2. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Transworld Systems Inc. Company Overview In business since 1970 60,000+ clients 100 Offices Nationwide Recovered $2.4 billion in the last 5 years for companies across all industries including Fortune 500 & 100 Companies Success rate of more than 4 times that of the industry average* 24/7 Online account management *Based on ACA Statistics

3. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 What the Experts Say “The numbers speak for themselves – recovery of over $230 million dollars with a 53% recovery rate and an ROI of almost 4,000% with a collection cost of 2.5%.” Steve Hellebush, VP of Business Development, Medical Group Management Association “The company has a collection rate of well over 50%. The typical collection firm gets only 20% and keeps 25% to 50% of recovered funds.” Fortune Magazine “Transworld gets credit for the highest recovery rate in the industry.” Barron’s

4. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Conventional Two Stage Approach Most practices use a conventional, two stage approach: Day 30Day 60Day 90Day 120Day 150 Statement Statement, Letter #1, Phone Calls Statement, Letter #2, Phone Calls Statement, Letter #3, Phone Calls In-House Efforts Percentage Collection Agency Day 180 Intensive telephone contact and/or legal action at a cost of 25-50% of recovered amounts. According to the Dartnell Institute of Business Research, the average cost to work an account over a six month period is $31.60

5. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 GreenFlag Three Stage Approach Transworld Systems In-House Efforts Conventional Collection Methods

6. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 GreenFlag Profit Recovery’s Three Stage Approach Current30 Days60 Days Statement Phone Call Statement Phone Call 90 Days104 Days118 Days132 Days146 Days 180 Days Verbal Demands – Phase II Collections 50% Contingency Fixed fee of typically less than $10 per account. You control the process. Limit internal efforts to less than $10 per account We contact the slow paying accounts every 10-14 days, at the your direction. Making up to 5 contacts, each progressively stronger – Phase I Collections. Optimize In-House Efforts In-House Use of Third Party (GreenFlag) Conventional Collection Methods

7. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Start Early – Recover More Fact: Companies wait to take action because they don’t want to pay a percentage and they don’t want to alienate their patient. Fact: GreenFlag is designed to take action early and diplomatically, recovering earlier and maintaining valuable patient relationships. According to the U.S. Department of Commerce, the older an account, the harder it is to collect.

8. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Start Early – Recover More National Statistics Prove it The American Collectors Association reports an industry recovery rate average of 15% and a collection cost averaging 30%. Transworld Systems’ clients experience a recovery rate averaging 46.8% at a collection cost of 2.7%.

9. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Convenient Online Access Submit accounts online 24/7 via our secure Online Client Portal (OCP) You control when to start, stop, or suspend accounts Complete reporting on all accounts Upload spreadsheets with account information and submit large groups of accounts instantly Easy to learn, helpful tutorials, and superior online support

10. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 The Demands: First Party Letter Client return address: Matches your remittance address First Party Letter: (Option) Intensive Final Notice Remittance Voucher Money goes directly to you (envelope included) First Party Letter “…appears to be from our clients office. Final notice or be placed in collection.”

11. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 The Demands: Third Party Letter Local Impact: Matches zip code of debtor to the nearest TSI regional office You Choose: 2 nd Demand (would follow 1 st party letter) 1 st Demand Remittance Voucher Money comes directly to you (envelope included) Third Party Intervention “…from a collection agency”

12. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 They may get upset ! Because they were turned over to a collection agency, they may call because they are upset. At this point you may read the telephone script we provide you. WE are the bad guys, not YOU ! Which is more effective, you calling your customer or your customer calling you? Report partial payments if necessary and we will follow up with them for the remaining balance due.

13. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 The Demands: Why Do They Work So Well? Return address is from one of our 100 offices nationwide Increasingly more intense, alternating between credit card statement size and full letter size Sent every 14 days, systematically unless client stops service Strategic language = psychological impact Demands sent in varying sizes, and different envelopes Optional, diplomatic thank you letter helps you retain your valued patients.

14. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Thank You Letter At your request, we’ll send a thank you letter to your customer, at no additional cost! This will help your business retain valuable client relationships.

15. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 The Power of Third Party Intervention The debtor knows you are serious about getting your money. The debtor is concerned his debt will affect his ability to get credit. The debtor knows the efforts to collect will continue until he pays. Why is contact from an outside party more effective than in-house efforts?

16. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 The GreenFlag Advantage Standardizes the A/R process for slow paying accounts Our service guarantees these accounts are contacted every 10-14 days Identify and evaluate existing A/R Effective tool for clean-up Completed within 90 days Gives the business the advantage of using a third party, diplomatic approach earlier in the process Preserves client/customer/debtor relationships Reduces internal collection costs and staff overload

17. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Self-Pay Recover Results Example Practice Average Balance Average Age Recovery Rate % Response Cost as a % Women’s Group$241.284.5 mos48.1%70.3%7.6% Neuropsych$466.443.3 mos38.5%40.5%8.8% Birth & Beyond$211.373.7 mos44.3%61.6%11.1% Oncology$348.797.1 mos33.1%42.8%6.9% Surgery$648.643.8 mos35.4%53.2%3.4% Family Med$196.185.9 mos27.9%39.6%12.9% Orthopedic$532.194.3 mos46.2%69.7%3.2% Pain Consultant$381.5910.7 mos31.2%50.2%6.7% Combined Average$378.315.4 mos38.1%53.5%7.6%

18. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 Why it Works We provide the impact of third party for an average of less than $10* per account while minimizing internal efforts Preserve your valued client relationships. Complete monthly reporting on all accounts. Interactive, secure Online Client Portal (OCP) that allows you to submit accounts instantly. Return address is from closest debtor office which is zip code activated. Local impact! Size changes from mailgram to letter every 10 days. Return payment envelope & tear off voucher 1 st, 3 rd and 5 th demands – The only thing we don’t do is lick the stamp! FDCPA Disclaimer at bottom of 1 st Demand *Company Average

19. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 GreenFlag vs. Contingency Agency Assumptions: Accounts Submitted: 5,000 accounts Average Balance:$350 $ Outstanding:$1,750,000 GreenflagProfit Recovery Other Agency Est. Recovery Rate: 25% 14% Est. $ Recovered: $437,500 $245,000 Collection Cost: $7.99/acct35% Total Cost: $39,950 $85,750 Net $ Recovered: $397,550 $159,250 Difference: +$238,300 Secondary Recoveries * : +$98,437.50 Additional profit using GreenFlag Profit Recovery by Transworld Systems, instead of a contingency collection agency alone = $238,300+$98,437.50(secondary)=$336,737.50 *Secondary recoveries for accounts not recovered by TSI forwarding to the contingency agency estimating 15% recovery rate at 50% cost.

20. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 The Power Beyond GreenFlag You decide the next step: Option=Verbal Demands Collection - Phase II Seamless flow from in-house efforts to a contingency agency Your practice benefits from a professional team of well-trained collectors using industry-leading technology from telephone centers throughout the country. You can move to legal action and we pay all attorney and court fees. What happens if debtors don’t pay after the demands?

21. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 System Size Worksheet At what point would you like to use our service? (i.e., 60, 90 days) ___ _____days How many accounts will reach that point every month? _________ Our PROFIT RECOVERY service is good up to 24 months x 24 months Total: ________ Accounts to be referred now: ________ Total number of accounts referred: _________ Total # Accounts __________x Avg. Bal. $ ________ = Total $ Referred ____________ Total $ Referred ________________x_______ (Recovery Rate %) = $ _____________ ________ (Total # Accounts) x $ ________ (Unit Cost) = $_________ (Total Investment) Investment $________ ÷ Avg. Bal. $_________ = ______ (# Accounts to get back investment) ++++++Secondary recoveries!!!!

22. ® 2009 Transworld Systems Inc. (Rev 5/09) All rights reserved. The Transworld Systems and GreenFlag logos are registered service marks of Transworld Systems Inc. NYC License No. 1155022 SOLUTIONS FOR YOUR BUSINESS MANAGEMENT ACCOUNTS