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., credit cards, cars or homes. 2.You would have to make a 690% return on your savings to equal what was spent on the 34.5% in interest to others. 3.What if you could reduce the amount you spend on interest and reposition that money into savings? 4.How do I find the money to be my own bank? Its called Comprehensive Finance!

4. There Are Those That Pay The Bank And Those That Are The Bank You Are Already In The Banking (Patient Financing) Business 1.You are currently brokering patient financing with no commissions being paid to you. 2.In exchange for your distribution they take 10% of your fees. 3.They take the absolute best credit worthy patients and then let you believe that everyone else are not worthy to be your patient. 4.They have made thousands and thousands and thousands of dollars from interest payments from YOUR patients that you have provided them under this business arrangement. Is This Really A Good Deal For You?

5. Are You Familiar With The Infinite Banking Concept? The Ultimate Goal Is To Become Your Own Infinite Banker 1.Stop brokering patient financing and start offering your own patient financing! 2.Target credit worthy and payment worthy patients! 3.Develop a strategy for your practice based on your level of risk tolerance! 4.Accumulate the funds in your own financing company to start loaning money to yourself for equipment, automobiles, investment property or any purchases you have been borrowing money.

6. The Ultimate Goal Is To Become Your Own Infinite Banker 1. Stop Brokering Patient Financing And Start Offering Your Own Patient Financing With Comprehensive Healthcare Finance CHF Is a 100% turn key program creating an installment payment finance company inside your practice. CHF is a unique and revolutionary program that overcomes all the issues that were associated with doing your own financing. CHF Is owned 100% by you. Owning your own finance company under a DBA (Doing Business As) under the Compassionate Finance Trademark 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!

7. Historically Doctor In-House Financing Has Failed…Why? 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.

8. The Ultimate Goal Is To Become Your Own Infinite Banker 2. Target Credit Worthy And Payment Worthy Patients! Third party finance companies choose the pick of the litter of your credit worthy patients for huge profits. Your patients are forced to fit into their ivory tower criteria of one size fits all, for example if their criteria is a credit score of 650 anyone with a 649 is turned down. Our proprietary Payment Worthiness System identifies patients who might not be credit worthy but are paying their bills on time.

9. The Ultimate Goal Is To Become Your Own Infinite Banker 3. Develop A Strategy For Your Practice Based On Your Level Of Risk Tolerance! Most practices today are dependant on third party financing companies for cash flow and patient acquisition. Minimize risk by financing both credit and payment worthy patients. Focus on recapturing lost revenue with payment worthiness patients. Payment worthiness patients provides the least risk to initiate the program even though this sounds counter intuitive.

10. CF’s 5 Level Payment Worthiness System Minimizes your Risk The 5 Level Payment Worthiness System (5LPWS) CF uses 9 data points including traditional credit scores, unique fraud detection software, peeks at the patient’s payment history inside their checking account and 6 other data points which all helps determines 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”

11. The Ultimate Goal Is To Become Your Own Infinite Banker 4. Accumulate The Funds In Your Own Financing Company To Start Loaning Money To Yourself For Equipment, Automobiles, Investment Property Or Any Purchases You Been Borrowing Money. Reposition what you pay in interest to others and start paying yourself the interest. Start down the road today towards being your own infinite banker.

12. 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.

13. 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.

14. 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?

15. 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.

16. 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!

17. 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%.

18. Summary Rethink How You Approach Financing In Your Practice 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.Initially take a few patients per month who are approved by other third party financing companies and finance them yourself. 4.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. 5.Monetize your paper in one year if you choose! 6.Start generating practice revenue when your not at work! Getting Started is easy!

19. 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!