Introduction of MediSmart Ltd. FOUNDATION:1999 REGISTERED CAPITAL:11 million HUF OWNERS: Mr. IVÁN BOLGÁR, Mr. ISTVÁN GELENCSÉR SCOPE OF ACTIVITY: HEALTH FUND SERVICES CARD SYSTEM SERVICES

Business Area of MediSmart Ltd. HEALTH FUND INSURANCE COMPANIES DIRECTED PATIENT CARE MODEL ORGANISERS HEALTH CARE SERVICE PROVIDERS SPORT SERVICE PROVIDERS

for Health Funds Service Organisation Card Issuing Card Accepting POS organisation Electronic Accounting Information System Services (catalogues internet) MediSmart Service I

. Number of Health Funds: 32 Number of Members: 150,000 Service Provider 1 Number of Service Providers, approximately EP1EP2EP3EP..n Traditional Health Fund System I Service Provider 2 Service Provider 3 Service Provider n

330 Service Providers Ep1Ep2Ep3Ep..n MediSmart MediSmart Health Fund System I 4 Health Funds Service Provider 1 Service Provider 2 Service Provider 3 Service Provider 330

MediSmart Health Fund System II Doctor Pharmacist Health Fund Doctor Card Client Therapeutical Aids Electronic Data Flow, and Accounting Electronic Data Flow and Accounting Electronic Data Flow POS Electronic Accounting ElectronicVerificaiton Electronic Data Flow. Electronic Card Acceptance and Accounting MediSmart Card POS Pharmacist Card

MediSmart System Voluntary Health Funds Co-operations Data Centre GIRO Banks Medical Service Provider (Diagnosis,Therapy) Medical Service Provider (Therapy, Filtering) Prescription and Voucher Accepting Sites (Pharmacy, Optician) Other Service Providers : Natural Therapy, Sport, Recrreation Wellness, Dental Cares Medismart Card Management Information System Clearing System Service Management cc

Card Issuing Health Care Fund Card Ordering Database of Fund Members Card Management Information System Medismart Card Management Card production Personalisation Database of card Balance Clearing System GIRO CC & MC Balance

Card Structure System Identifier Medismart Card Service Code Service Area Card Issuer File Code List Reference Card Content Security Codes Insurance Codes Insurance Area Accident Insurance Firm Health Fund OEP MOK Cade Health Care Data Emergency Data Other Medical Data Prescriptions Vouchers MOK Code Personal Identifiers Name Availability Data of Relatives.

Access to Card Data Dedicated Card Reader+Dedicated Card Service Provider Terminal and Card Service Log Fund Member Identification R Medical terminal and MOK Card Emergency Data R/W Insurance Data R/W Prescription Data R/W Medical Terminal and MOK Card and Fund Member PIN Medical Data R/W Insurance Terminal and Insurance Card Insurance Data R Insurance Parameters R/W Health Fund Terminal and Health Fund Card Health Fund Data R Helath Fund Parameters R/W

Using a Medical Service Functions Patient Admission Emergency Data Rec. Diagnosis and Therapy Filtering Prescription, Voucher Preparation Tools MS Doctor Service SW MOK Card, Patient Card Operations Certificate Prep. Communication with the Co- operation Systems Co-operation Systems Card Reading Card Writing Control Certificate Prep. Communication with the Co- operation Systems Control Card Writing Card Reading

Using Other Services Functions Purchase Certificate Issuing Authorisation Balance Management Tools POS Communication Infrastructure Service Card Operations Card Reading Control Authorisation Certificate Issuing Co-operation Systems Local Cashier Machine System Local Bank Card Accepting POS Local Communication System CC Gmbh. GIRO Bankkártya Rt.

Accounting Health Fund Fund Member Balance Card Management Information System Service management Medismart Clearing System Transmission of Balance GIRO Bankkártya Rt. Authorisation - Card Control - Balance Control - Balance Activation - Permit Issuing Service Provider Service Purchase Authorisation Permit Issuing Transaction Report Invoicing controll Invoicing

1.1 Voluntary Health Fund System „Health is not the lack os illness. Health is the condition of complete physicla dn social well being.” WHO definition It is free of tax if the company pays for its employee Annual payment up to maximum 600,000 HUF/fund member It is free of tax if the company pays for its employee Annual payment up to maximum 600,000 HUF/fund member Tax allowance, if the payer the fund member itself; maximum 300,000 HUF/fund member Tax advantage 100,000 HUF/fund member Tax allowance, if the payer the fund member itself; maximum 300,000 HUF/fund member Tax advantage 100,000 HUF/fund member Total annual payment maximum 900,000 HUF Total tax benefit: 400,000 HUF Total annual payment maximum 900,000 HUF Total tax benefit: 400,000 HUF

1.2.Traditional Health Fund System II. Voluntary Health Fund Prescript Diagnosis Invoices Prescript Invoices Doctor Pharmacy Invoices PAPER BASE ACCOUNTING Accounting Cash Accounting Cash

1.3. Traditional Health Fund System I. Health Fund 1 Health Fund 2Health Fund fund members... Contractual relationship Accounting relationship Service Provider 1 Service Provider 2 Service Provider 3 Service Provider n

3.1 Medismart Card Structure I. Insurance Insurance Social Security data file Social Security data file Social Security benefits file Social Security benefits file Accident Insurance data file Accident Insurance data file Accident Insurance events file Accident Insurance events file Accident Deterioriation file Accident Deterioriation file Persons to be notified file Persons to be notified file Health fund data file Health fund data file Beneficiaries file Beneficiaries file Health Care Data Emergency data file -Transplantations -Risk Factors -Allergies Other medical data -Previous chronic data -Previous treatments -Examinations -Findings -

3.1 Medismart Card Structure I Presciption Directory - Presciption file - Presciption log Serviced - Card Issuing File - Card Management File - System Directory

1.4 Traditional Health Fund System I Health Fund 1 Health Fund Service Provider 1 Service Provider 2 Service Provider 3 Service Provider n Health Fund 2…..Health Fund 32Medismart Co-operation System - Card Consulting Costumer service - GIRO Authorisation, Balance management - Banks Card Accepting Networks Medismart service - Card Issuing - Accounting - Organising Card Accepting Place - Information System

2.1 Medismart Card Issuing Card Issuing Right: CEN/TC 224 EN 1867:1997, 1367 Brief explanation of card usage: - insurance card - loyalty card - debit/credit card Category: Cardholders: - health care personal usage - patient/insured person  Usage: - Administrative - Medical - Identification - Loyalty  Geographical: national  Issuer Identification Number:

2.2 MediSmart Card Type: dual card, chip card with magnetic stripe. Manufacturer: Oberthur Card Systems Magnetic track: track1, Track 2 Chip: 8 Kbyte Security: DES, on-line PIN verification

-Reading personal data -Reading insurance data GIRO Pre-authorisation Balance debit MOK card Giving Pin Reading health care data 5.2 The Medismart card and the doctor I. Patent Admission Permit Medismart doctor software

Filtering, data recording Recording emergency data GIRO AuthorisationPermit Permit receipt + signature Medismart doctor software Transactions file 5.1 Card system Operation System start Balance Medismart Health Fund Charge account

Therapy - Applied Treatments - Prescriptions, Vouchers - Hospitalisation Slips MOK card Diagnosis Data GIRO Authorisation 5.3 The Medismart card and the doctor II Patient Dismissal PIN Permit MediSmart Transactions File Charge Account Invoice Account