2. Its Not Just The Economy! Economics 101 1.Of course when the economy turns around it will help your business. 2.However, there has been dramatic change in Supply (doctors) and Demand (patients) over the past decade in cash pay healthcare (CPHC). 3.All markets go though 3 economic stages: 1. Emerging Markets, 2. Maturing Markets and 3. Commoditization of Markets. 4.We are entering the commoditization stage of CPHC which means your fees are heading down due to more doctors and less patients. 5.A better economy isn't going to grow your practice or your revenue! So what is your plan? How are you going to grow YOUR practice in the Future?

3. Are You Familiar With The Infinite Banking Concept? There Are Those That Pay The Bank And Those That Are The Bank 1.Americans on average, only save 5 % of what they earn, yet spend 34.5% of what they earn on interest payments i.e., cars or homes. 2.What if you could reduce the amount you spend on interest and reposition that money into savings? 3.How do I find the money to be my own bank? Its called Comprehensive Finance!

4. How Do You Find the Money To Apply The Infinite Banking Concept? Consider These Three Questions: 1.How many patients are walking out of your door because they cannot obtain third party financing each month? 2.What is your percentage of new patients having a procedure that are being referred from existing patients? 3.What is your total cost associated with each patient that walks out of your door because they cannot obtain third party financing? Let’s review each of these three questions….

5. How Do You Find the Money To Apply The Infinite Banking Concept? 1.How many patients are walking out of your door because they cannot obtain third party financing each month? 1.Statistically third party financing companies turn down 40% of patients that apply. 2.There are also a percentage of patients who know they have suspect credit and are just telling the doctor they need to think about having the procedure completed. How many Procedures are Potentially walking out your door?

6. How Do You Find the Money To Apply The Infinite Banking Concept? 2.What is your percentage of new patients having a procedure that are being referred from existing patients? 1.Every practice has a ratio of new procedures being generated from existing post procedure patients. 2.We assume a 50% ratio of patient-to-patient post procedure referrals. 3.Statistically this means that every two procedures preformed generates one new procedure coming from a patient referral.

7. How Do You Find the Money To Apply The Infinite Banking Concept? 3. What is your total cost associated with each patient that walks out of your door because they cannot obtain third party financing? 1.Cost of marketing for any new patient acquired in most practices is $350 to $500. 2.However, this cost must also include staff and physician time.

8. How Do You Find the Money To Apply The Infinite Banking Concept? Let’s make these assumptions at $4000 per procedure: 1.Two patients per month are walking out your door 2.Your patient-to-patient referral rate is 50% (1 out of 2) 3.Cost of each patient walking out your door is $500

9. How Do You Find the Money To Apply The Infinite Banking Concept? Total Loss of Revenue Per Month Two lost procedures per month cost (2x$4000=$8,000) Your patient-to-patient referral rate cost (1x$4000=$4000) Patients walking out the door cost (2x$500=$1,000) Total Loss of Revenue Per Month $13,000 Total Loss of Revenue Each Year$156,000

10. Recapture Lost Revenue Comprehensive Healthcare Finance Is a unique and revolutionary program that provides a solution to patients walking out your door who cannot get 3 rd party financing Is a 100% turn key program creating an installment payment finance company inside your practice Is owned 100% by you Owning your own finance company under a DBA allows you to do more procedures, allows you to charge interest at your state’s approved rates and allows you the opportunity to deploy the infinite banker concept for yourself!

11. Recapture Lost Revenue Historically Doctor In-House Financing Has Failed 1.Patients believe that doctors are rich and they can afford it if they don’t pay them. That’s why we set-up a DBA to prevent this. 2. When physicians offer in-house financing, patient complaint’s increase and they still do not pay the doctor. That’s why we set-up a DBA to prevent this. 3.Physicians do not have the infrastructure to bill patients, so that why we do all the billing and collections with this program. 4.Good will turns into ill will when patients stop talking about their great result and start discussing how they are being harassed by the doctor’s staff for non-payment. That’s why we set-up a DBA and we do all the billing and collections with this program.

12. Recapture Lost Revenue Credit Worthiness Versus Payment Worthiness 1.Third party finance companies have substantial risk associated with financing any patient procedure. 2. Everyone knows during tough times potential patients may get behind on some financial obligations that hurt their credit worthiness and credit scores. 3.Many of these people have solved their financial issues, and our system identifies which patients are paying their bills and are “payment worthiness”.

13. Comprehensive Finance’s 5 Level Payment Worthiness System Uses traditional credit worthiness coupled with our unique 5 Level Payment Worthiness System (5LPWS) One of the 9 data points in 5 LPWS includes looking at patient’s payment history inside their checking account to determine the likelihood of a patient making timely and consistent payments. The 5 levels are described below: 1.Level 1 and 2 – High Likelihood of “payment worthiness” 2.Level 3 – Moderate Likelihood of “payment worthiness” 3.Level 4 and 5 – Low Likelihood of “payment worthiness”

14. Why Comprehensive Finance Works 1.A 100% turnkey program, which includes creating a separate DBA, staff training, required software, all billing and collections and on-going support. 2.CF’s current collection rate for all patients across the country is 94.5%. 3.CF uses ACH bank drafts that ensure your patient payments are a priority..ACH bank draft payments come right out of the patient’s checking account. 4.Each patient’s bank becomes CF’s collection partner. If the patient is over drawn with an ACH bank draft the first call comes from the bank telling the patient that their account is overdrawn and they need to make a deposit.

15. Why Comprehensive Finance Works 5.Our Proprietary Five Level Payment Worthiness System easily identifies patients who are “payment worthy” even though they have been declined by a third party finance company. and are not credit worthy. 6.Your risk is substantially less than a third party finance company. Owning a finance company, being managed by CF, means you are not loaning money to your patients. You are providing installment payments plus interest on your professional services. Patients must provide a down payment for any hard cost including facility fees, implant cost etc., which eliminates any out of pocket financial risk for your practice associated with this program. Your risk is only your inventory of available time.

16. Why Comprehensive Finance Works 7.Physicians earn 100% of their professional fees plus interest as patients make their monthly payments. For example: Let’s assume the patient is making $200 monthly payments. Each payment has both principle and interest. The principle is your professional fees which again you will receive 100%. Let’s assume that your professional fee is $160 and the interest is $40 of the $200 monthly payment. Let’s assume the patient is paying 16% interest. SO HOW MUCH DO I KEEP EACH MONTH?

17. Why Comprehensive Finance Works Under this example the physician keeps a total of $190 of the $200, and this is how it breaks down: CF charges a 4% administration fee for doing all the billing and collections and on-going support. Our administration fee is calculated by taking the ratio between the patient’s interest rate and for this example it is 16% and our administration fee is 4%. This 75/25, ratio means 75% of the interest or $30 will be paid to the physician and 25% or $10 will be kept by CF. SUMMARY This means that the physician generates a total of $190 ($160+$30) of the $200 monthly payment while CF keeps only $10.

18. Why Comprehensive Finance Works Increase Practice Revenue With The Power of Interest! 1.Providing installment payments on a $4,000 procedure at 16% interest over 4 years provides practice revenue of $95.25 from the patient each month. 2.Collecting 100% of you professional fees plus interest minus our 4% administration fee accumulates to a total revenue of $5,376. 3.This means that if one in four patients (25% default rate) never makes a single payment you still generate a total of $16,128 (3x$5376=$16,128) which is still more revenue than 4 patients paying you $4000 per procedure (4x$4000=$16000). We will monetize your installment payments in one year with a lump sum payment if you need the cash!

19. Why Comprehensive Finance Works Your Success Leads to Our Success CF’s success is based on the success of your practice’s DBA finance company. We only make on-going money if we are successful in collecting from your patients. Plus, our 4% billing and collection fee is paid from the interest portion of each patient’s payment while you keep 100% of your professional fees and the majority of the interest with an average collection fee of 94.5%.

20. Summary Recapture Lost Revenue 1. Thinking that you don’t want patients who are denied credit is a costly mistake because of our proven payment worthiness system. 2.Grow your practice revenues from patients who are currently walking out your door. 3.Apply the infinite banking philosophy by starting your own finance company which allows you to purchase equipment, real-estate, or anything you wish and pay yourself the Interest instead of the bank. 4.Monetize your paper in one year if you choose! Getting Started is easy!

21. Getting Started Getting Started is Easy: The upfront enrollment fee is only $6495. This program will pay for itself given the amount of revenue that is walking out your door with no third party financing option. Comprehensive Finance is the mechanism to become your own infinite banker. Stop paying interest and start collecting interest!