United Health Care Lending

1. Where does credit line come from? (immediate needs to finance 100M for 2013 eventual needs to finance 1B for 2018)

2. 72 hrs payment to DSP

3. 200 dentists /doctors by 2013 year end

3.1. 200 per month

3.1.1. = dentists x patients monthly x applicable discount rate and amount financed

3.2. 30K patients per year

4. 10/23/12 Conversation

4.1. patient qualified

4.1.1. 3-5 days to get card

4.1.1.1. Dentist/Doctor processes through existing Merchant Account

4.1.1.1.1. Track Card Activity

4.1.1.1.2. Trigger ACH to UHL

5. Products

5.1. Wellness Program

5.1.1. Patient Portal Digital Wallet

5.1.1.1. 60% Cascading Payments (consumer payments)

5.1.1.2. 30% InHouse Finance

5.1.1.3. 10% Outside Financing

5.1.2. $300 initial payment

5.1.2.1. 10 payments of $95 each

5.1.2.1.1. monthly meds $20

5.1.3. Patient Portal POS

5.2. Procedure Financing

5.2.1. Credit Scores $1000 12mo.

5.2.1.1. > 680

5.2.1.1.1. Prime Decision / Rebrand

5.2.1.2. > 560 < 680

5.2.1.2.1. Lending Consultant / Rebrand

5.2.1.3. > 560 - Check Pay / Rebrand

5.2.1.3.1. 70%

5.2.1.3.2. 20% down

5.2.1.3.3. $800 Financed