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Self-Pay Management and Revenue Technologies

Solutions for Patients who:

• Are uninsured.• Have low credit scores.• Have high deductibles.• Have chosen or require elective procedures not covered by their insurance.• Are temporarily short on cash.

Solutions for Providers who:

• Are currently paying fees to initiate patient loans.• Have patients who can’t qualify for financing.• Are concerned about bad checks / non-payment.• Are paying over 2% in credit card processing fees.

“We can both SAVE you Money & MAKE you Money!”

S.M.A.R.T. Medical Services

In 1999, we introduced the nation’s first full-service Patient Loan Processing Company

We specifically targeted the $84 billion dollar Healthcare Self-Pay Industry. WHY? Other patient loan companies in the industry are tied to one bank & one loan decision. And they all

charge healthcare providers loan origination fees from 5%-35% of the procedure cost – meaning your net is somewhere between 65 – 95% of your cost.

In addition, most companies, if not all, require patient credit scores of 700+ to qualify for a loan. This leaves many patients unable to obtain financing. That means less income for you. We felt there had to be a better way!

The success of S.M.A.R.T. is based on our ability to get more patients approved because we use multiple lenders. Our lenders accept credit scores as low as 620!

In addition, we always pay our healthcare providers 100% of their procedure cost with NO provider loan origination fees… ever!

How successful are we? By 2004, two of the world’s largest banks had made offers to acquire us! Ultimately, the original business was sold.

After 2 years of R&D, S.M.A.R.T. Medical Services emerged as the first company offering full-spectrum financial services for the healthcare industry. S.M.A.R.T. added valuable new programs to further improve your bottom line.

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We’ve Added Valuable New Services as S.M.A.R.T. Medical Services

Patient Loan Program: This is the foundation of our company. We have the ability to get more patients approved because we use multiple lenders who can accept credit scores as low as 620! In addition, we always pay our healthcare providers 100% of their procedure cost with NO provider loan origination fees…ever! More approvals = more income for our healthcare providers!

NEW! In-House Financing Program: We designed this program specifically for patients with credit scores under 620. The healthcare provider secures the loan & keeps all the interest. We do all the billing and accounts receivables. After 12 months, providers have the option to convert patient accounts to cash. (Our lenders buy the loans from you.)

NEW! Check Guarantee Program: Accept patient personal checks without worry of non-payment ever again!

NEW! Credit Card Processing Program: Our processing fee is under 2% of the total charge amount. The industry average is over 3%. We can save you at least 33% off what you are currently paying in processing fees, amounting to $1,000’s per year in savings!

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We can save you at least $14,000 annually in loan origination fees!

If you have three or more patients/month that enroll in patient financing, based on industry averages, we can save you at least $14,000 a year in loan origination fees! HOW?

We don’t charge our healthcare providers loan origination fees! Ever! Other companies in our industry charge 5% - 35% origination fees to healthcare providers. We don’t do that. We believe that loan fees should be the responsibility of the borrower – like all other loans.

Our process We partnered with Experian: Through the use of their technology, we can offer lightning fast pre-qualifications for patient loans. A Personal Finance Manager is assigned to your office: They review the Experian pre-qualification info & let your office know the results. If qualified, the info is forwarded to… Multiple Lenders: These companies then compete for the loan and offer their best rates possible for each of your patients. Approval information is then forwarded back to… Your assigned Personal Finance Manager: They will review each of the lender bids, select the most favorable terms and forward that information to the borrower for acceptance. Upon acceptance, you get paid!

* For patients with credit scores as low as 620.

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Virtually Anyone Visiting your Office can be Offered a Financing Program!

What happens if a patient can’t qualify for a loan through a lender?

S.M.A.R.T. offers another financing solution! This program allows healthcare providers to offer financing to virtually anyone! This is a major benefit to your patients and a major boost to your bottom-line! (More patient procedures = More income).

How it Works S.M.A.R.T. supplies the healthcare provider with the patient’s credit information.

The provider offers their patient in-house financing at 18% interest. (It’s up to the provider if they choose to charge interest or not.)

S.M.A.R.T. handles all of the billing and accounts receivables for a 6% service fee.

After 12 months of on-time payments by the borrower/patient, the healthcare provider can sell the loan to our lenders with no recourse.

* This program was designed for patients with credit scores below 620.

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Accept Personal Checks with NO Risk of Non-Payment!

“Do you ever have patients request a little extra time to pay?”

Because of the unanimous response we’ve received to this question, S.M.A.R.T. designed a worry free program that virtually anyone can take advantage of!

Through a partnership with one of the country’s largest Check Processing Companies, S.M.A.R.T. can offer anyone with a checking account what amounts to a 45 day loan.

How it Works

Patients can write up to 4 personal checks - all must be drafted with the same date. Check information is compared by our vendor against a national database of bad check writers and

either disapproved or guaranteed for 45 days on that basis. The 1st check must be deposited within 5 days & the last check by the 45th day. Our vendor will

guarantee all will be good within the 45 days even if the account is closed. Now you can accept personal checks with no risk of non-payment! Worry free!

* For virtually ALL patients regardless of credit score!

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S.M.A.R.T. can Reduce your Credit Card Processing Fees by more than 33% !

The average total cost (including hidden fees) for credit card processing in the Healthcare Industry is over 3%.

At 3%, if you are processing $500,000 in credit cards annually, it is costing you $15,000 a year in fees!

S.M.A.R.T. can reduce your combined credit card processing fees to under 2% !

At 2%, if you process $500,000 in credit cards annually, it will now only cost you $10,000 a year in fees! A savings of $5,000 each year!

This service alone is reason to partner with S.M.A.R.T. Medical Services!

It pays for our enrollment fee MANY times over!

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S.M.A.R.T. can both SAVE you Money and MAKE you Money!

We can SAVE you money in two ways:

1. Unlike other companies, we never charge our providers loan origination fees. If you currently enroll 3 or more patients per month in patient loans, based on industry averages, we can save you at least $14,000 per year in fees!

2. S.M.A.R.T. can reduce your credit card processing fees by more than 33% ! If you are paying the industry average of 3.1%+ and processing $500,000 in charges annually, it is costing you over $15,000 a year in fees! We can reduce your rate to under 2%, saving you $5,000 each year!

We can MAKE you money in three ways:

1. We can get more patients approved for loans because we use multiple lenders who can accept credit scores as low as 620! (Other companies require 700+.) More approvals = more procedures = more income!

2. Our In-House Financing Program provides a financing solution for patients who can’t qualify for a loan through a lender. Once again, more approvals = more $$ !

3. Our 45 Day Check Guarantee Program provides yet another financing solution for patients who are temporarily short on cash.

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S.M.A.R.T. Medical Services2775 E. Oakland Park Blvd., Suite #10Ft. Lauderdale, FL 33306www.SmartMedServices.comtel (800) 383-1003 (Mention ID# 3278)fax (888) 310-3010

Self-Pay Management and Revenue Technologies

For More InformationContact:

John Hanlintel: (949) 748-8252

fax: (949) 748-8253email: jhanlin@SmartMedServices.com

“We can both SAVE you Money & MAKE you Money!”