MyLoans MyLoans is a financing program designed to assist health care providers manage their receivables and provide flexible payment options for their patients. The provider receives funding of receivables thru purchase of patient notes while the bank manages the collections.

Provider Benefits Online Documentation Direct Funding MyLoans is a convenient financing option Provider works directly with patient to establish repayment terms Direct Funding Funding within three days of completed finance agreement Increase cash flow Reduce AR days Payments Made to the Bank Patient more likely to repay final balance Reporting/Funding Active, Past Due and Paid Off Notes Online funding review via PinnBank for Business

Patient Benefits Convenient Financing Option Guaranteed Approval Patient works with you to find the best repayment plan No need to visit the bank Guaranteed Approval Flexible Repayment Terms Payments Options Coupon Book Automatic Payment Online Payment

Service Provider Note Purchase Agreement This agreement defines the “terms” established for patient notes.

Once MyLoans agreement has been finalized, your facility will be setup with user access to the website.

Process Health care provider offers MyLoans financing to patient Website makes it easy to quote term and payment amount Patient and provider agree upon repayment terms Obtain signatures on Medical Finance Agreement Electronic Paper Submit Medical Finance Agreement via MyLoans website Bank will fund within three business days MyLoans website will show status as Funded Email notification

Patient Qualifications No credit check or approval process Required information to start process: Social Security Number Email Authority to sign patient note Co-Signer or Co-Borrower, if necessary

Servicing Welcome Letter Payment Options Collection Letters Mailed to patient once loan has been funded Payment Options Auto Pay Payment Coupon Online Payment Collection Letters Phone Calls

Reassignment Once 60 days past-due the patient note is reassigned Bank will be in contact with provider about payoff Notice to patient that bank is no longer servicing Health care provider will decide further collection action

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