The tools to help you MIND YOUR OWN BUSINESS

2 Two Phase Conventional Collection Approach Phase I: In-House Collection Efforts Total Cost = $31.60* Day 30Day 60Day 90Day 120Day 150 Statement Phone Call Statement Letter #1 Phone Call Statement Letter #2 Phone Call Statement Letter #3 Phone Call $1.10 $2.96 $1.10 $2.96 $1.10 $2.96 $1.10 $2.96 Phase II: Conventional Contingency Collection Agency Day 180-Intensive Telephone Contact and/or Legal Action 40% - 50% *According to the Dartnell Institute, the average cost of working an account internally over a six month period is $31.60 per account.

3 GreenFlag Profit Recovery Three Phase Approach Phase I: Optimize In-House Procedures Phase II: Early Profit Recovery – “Early In-House Use of Diplomatic Third-Party at a Controlled Cost, without Alienating Patients” Day 30Day 60Day 90Day 100Day 110Day 120Day 130 Statement Letter Statement Letter Phone Call GreenFlag First Demand – Courtesy Notice Second Demand Third Demand Fourth Demand Fifth and Final Demand $1.10 $2.48 $ $ %56% Phase III: Intensive Contingency Collection and/or Legal Action Day 160 – Intensive Telephone Contact and/or Legal Action 40% - 50% We contact your slow paying accounts every 10 days, and we increasing intensity with each demand. You choose the approach – diplomatic or firm All recovered money is paid directly to you You gain the added benefit of third party intervention

4 Transworld Systems Inc. –We’re in the business of profit recovery. We lead the industry in providing businesses with better tools for recovering bad debt and accounts receivables. We’ve been proving it to our customers, including many Fortune 500 companies, since –To date, we have recovered over $800, for less than $7, for Home Instead franchise owners. –Our success rate is more than 4 times that of the industry average.** –Providing local impact with over 100+ offices coast to coast. –We are a Preferred Vendor for Home Instead Senior Care **Based on ACA statistics.

5 What the Experts Say –“...a long term proven record of being able to deliver twice the normal recovery rate at a fraction of the normal cost.” »Shearson Lehman –“Transworld gets credit for the highest recovery rate in the industry.” »Barron’s –“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 is one of the nation’s leading accounts receivable and bad check collectors…they represent many member firms.” »Better Business Bureau –“Transworld charges a fixed fee and the response rate is significantly better than in-house efforts.” »National Rural Health Association

6 Some of our Satisfied Customers…

7 Start Early - Recover More

8 National Statistics Prove It –According to the American Collectors Association, Inc., the average collection agency collects less than 14% of all debts assigned at an average cost of 33% per dollar collected. –Our clients experience a 56% recovery rate at about a cost of approximately 4 cents per dollar collected. –Transworld is averaging 63% recovery rate at only.9% cost for Home Instead franchises nationwide. TSI Collected 56% (company average) TSI Cost: 7¢ per dollar collected (company average) Average Agency Collected 14% (ACA Average) Average Agency Cost: 33% (ACA Average)

9 Convenience Counts Transworld offers you an easy way to submit accounts through our Interactive Website:

10 What We Do For You For a cost of only $9.00 per account (minimum 50 accounts) we provide the impact of third party intervention. Minimize internal efforts, dramatically reducing our clients’ costs. Preserve your valued patient relationships. Minimize the risk of accidental violations of state and federal collection laws and/or harassment suits through the use of a hold harmless agreement. Provide complete monthly reporting on all accounts. “…At first, it sounded too good to be true, but when Transworld showed me they were already working with over 10,000 other practices, I figured they must be doing something right…In the first 90 days, I noticed an increase in my cash flow and I use them every month on my slow paying patients and insurance companies.” -David S. James, D.O., Physician Green Country Physicians Group

11 Local Impact With a network of 100+ offices throughout the United States, TSI will match the zip code of your customer with the nearest regional office. Our demands will have the return address from around the corner of the customer, resulting in a more intimidating approach as they perceive that we have more options available to recover the debt.

12 Written Demands Five Contacts 100+ Offices Nationwide Licensed and Bonded to collect in all 50 states and US Territories Federally mandated dispute disclaimer gives a 30 day response deadline Thank you letter sent when account pays

13 Getting Better Results We recover more than traditional agencies because: We work ALL of the accounts the same way, regardless of the size or the balance. Most percentage-based agencies work only the accounts with higher balances that are the most cost effective for them, leaving the smaller balances uncollected. Our fixed fee, diplomatic service allows you to have us get started early in the process with the increased impact of third party intervention.

Get Started Today! Kent Christensen Pat Rademaker: Tom Gelles: (402)