!!New!Solu)ons!for!!Managing!Cash!Flow!

!

Consulta*on!&!Service!Overview!

What!We!Do!!

①  We$have$been$delivering$progressive!cash9flow!solu*ons!to$$businesses,$medical$offices$and$organiza8ons$of$all$sizes$since$1970$

②  We$have$assisted$over$200,000!clients!in$resolving$$$$$$$$$$$$$$6$billion$in$ABR$over$the$past$decade,$helping$them$to$eliminate$their$need$for$tradi8onal$collec8on$agencies$$$$$$and$aEorneys$

③  Our$services$are$based$on$fixed9fee!pricing!of$around$$10$per$account,$depending$on$account$volume$

④  TSI$is$fully!compliant!with$all$regula8ons$affec8ng$$$$$$$$$$$1st$&$3rd$party$collec8ons,$and$we$provide$a$hold$harmless$agreement$to$every$client$

⑤  Our$services$allow$you$to$react!quickly!and!appropriately!to$slow$paying$accounts$and$avoid$the$serious$issues$associated$with$accounts$receivable$

$

$$

Making Cash Flow®

!!Industry!Feedback!

Making Cash Flow®

$$!“In!addi*on!to!the!superior!collec*on!rate!and!speed!of!!!!!recovery,!Transworld’s!low!fees!provide!the!client!with!a!!!!!!!

30%!9!70%!savings.”!!$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$

$ $ $ $ $ $$$!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!“Transworld!gets!credit!for!the!highest!!

! !! ! ! ! !!!!!!!recovery!rate!in!the!industry.”!

!

!

“This!company!has!a!collec*on!rate!of!well!over!50%.!!!!!!!!!!!!!!!!!!!!!!

The!typical!collec*on!firm!only!gets!20%!and!keeps!!!!!!!!!!!!!!!!!

25%950%!of!recovered!funds.”!

$$

$$$$$$$$$$$$$$$$ $ $ $ $ $ $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$“Transworld!Systems,!Inc.!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!has!a!BeSer!Business!Bureau!

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!ra*ng!of!A+”!

Can$you$think$of$anything$in$your$business$that$you$are$doing$exactly$the$same$as$you$did$five$or$ten$years$ago?$$

Where$has$technology$made$a$difference$in$your$business?$$

Are$you$openBminded$about$new$ideas$for$solving$old$problems?$

Some!of!Our!Clients!!

Making Cash Flow®

A!Healthcare!Leader!!

Over!20,000!medical!prac*ces,!hospitals!&!dental!

prac*ces!na*onwide!trust!Transworld!Systems!

Making Cash Flow®

B$Consistent,$effec8ve$followBup$can$be$challenging$and$expensive$B$Different$kinds$of$debtors$require$different$kinds$of$responses$$B$Most$businesses$would$prefer$to$never$use$a$collec8on$agency$at$all$B$The$older$an$account$gets,$the$harder$it$is$to$collect$

!!!!!Let’s!Agree!on!a!Few!Things!

Making Cash Flow®

!Let’s!Review!Your!Current!Situa*on$

!

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Four!Kinds!of!Payers!!

Making Cash Flow®

Type!!!

1.   Reliable!

2.   Distracted!

3.   Disrespec]ul!

4.   Professional!!!!!!!!!!!Debtors!

!

!

Why!They!Pay!!!!!

1.   Statement!

2.   Reminders!

3.   Third!Party!Impact!

4.   Professional!!!!!!!!!Collectors!

!

!

*$The$good$news$is$that$over$90%$of$all$customers$(or$pa8ents)$$$$$$fall$into$the$first$two$categories$for$most$businesses.$

$The!Problem!!

Making Cash Flow®

STATEMENT

Challenges!with!the!Tradi*onal!Approach:!!

BDebtors$know$they$owe,$but$may$not$care$BIt$is$very$expensive$to$follow$up$inBhouse$($31.60)$BCustomers$less$likely$to$respond$as$8me$goes$on$BNo$cap$on$8me$or$money$spent$on$follow$up$BNo$way$to$create$real$urgency$with$slow$payers$$$

!!!!!!!!!!!Reliable!!!!!!!!Distracted!!!!!!!Disrespec]ul!!!!!!!!!!Professional!!! !!!!!!!!!

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Debtors!

An!Op*mized!Solu*on!!

Making Cash Flow®

STATEMENT

STATEMENT

ppppppp pppppppppppppp

A!New!Solu*on!to!an!Old!Problem:!!

BAn$appropriate$response$for$each$type$of$debtor$$BTransi8ons$from$1st$Party$reminders$to$Collec8on$Demands$BAllows$you$to$automate$&$control$your$en8re$ABR$process$BFixedBfee$based$services,$averaging$$10$per$account$BYou$can$create$real$urgency$when$it$becomes$necessary$

Hello.$$This$is$not$a$telemarke8ng$call.$$This$is$<TSI$Client$Name>$calling$regarding$your$account$and$a$leEer$we$recently$sent$you$on$<Date>.$$This$message$is$for$<Debtor$Name>.$$$$

Please$contact$us$at$your$earliest$convenience$at$<Phone>$and$reference$your$account$number$<Account>.$$Again,$that’s$<TSI$Client$Name>$at$<Phone>.$$$$

Thank$you$for$your$immediate$aEen8on$to$this$maEer.$To$be$connected$directly$to$your$creditor,$press$1.$

Reminder!1!&!3:!

Friendly!!

Reminder!

LeSers!

Reminder!2!&!4:!

Friendly!!

Reminder!

Calls!

For!those!that!need!a!simple!reminder!to!pay!

Making Cash Flow®

Most!people!have!paid!by!now.!!Those!who!haven’t!need!a!

consequence,!a!real!reason!to!respond!

!Increasing!Urgency!

Making Cash Flow®

Time!to!Move!to!Stage!3!!

Making Cash Flow®

STATEMENT

!!!!!!!!!!Reliable!!!!!!!!!!!!!!!!Distracted!!!!!!!!!!!!!!Disrespec]ul!!!!!!!!!!!!!Professional!!! !!!!!!!!!

!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!Debtors!

Collec*ons!Demand!1!

Demand!2!!!

Collec*on!!

Call!

$$$$$$$$Create!a!real!consequence,!without!paying!a!percentage!

Hello.$$This$is$an$important$message$from$Transworld$Systems,$a$debt$collec8on$company.$$This$is$an$aEempt$to$collect$a$debt$and$any$informa8on$obtained$will$be$used$for$that$purpose.$$$

We$are$calling$in$reference$to$a$leEer$we$sent$you$on$<Date>$regarding$our$client$<TSI$Client$Name>.$$Please$return$the$call$to$<TSI$Client$Name>$at$<Phone>.$Again,$that�s$<TSI$Client$Name>$at$<Phone>.$$$

When$calling$please$refer$to$your$id$code$<Account>.$$$

Transworld$Systems$is$a$debt$collec8on$company$and$any$informa8on$obtained$will$be$used$for$that$purpose.$$To$be$connected$directly$to$your$creditor,$press$1.$$

Thank$you.$

Making Cash Flow®

!

Collec*ons!Demand!3!

!

!

Demand!4!!!

Collec*on!!

Call!

!

Hello.$This$is$an$important$message$from$Transworld$Systems,$a$debt$collec8on$company.$This$is$an$aEempt$$to$collect$a$debt$and$any$informa8on$obtained$will$be$used$for$that$purpose.$$$

We$are$calling$in$reference$to$a$leEer$we$sent$you$on$<Date>$regarding$our$client$<TSI$Client$Name>.$$Please$return$the$call$to$<TSI$Client$Name>$at$<Phone>.$Again,$that�s$<TSI$Client$Name>$at$<Phone>.$$$

When$calling$please$refer$to$your$id$code$<Account>.$$$

Transworld$Systems$is$a$debt$collec8on$company$and$any$informa8on$obtained$will$be$used$for$that$purpose.$$To$be$connected$directly$to$your$creditor,$press$1.$$

Thank$you.$

!!!!!!!!Increasing$urgency$creates$greater$chance$of$recovery$

Making Cash Flow®

Collec*ons!Demand!

5!

Making Cash Flow®

!!Thank!You!LeSer!!!(op8onal)$$

Making Cash Flow®

!!!!Placing!Accounts!is!Easy!

•  Submit$through$our$secure$Online$Client$Portal$(OCP)$24/7$•  Upload$accounts$oneBbyBone$or$in$a$batch$format$•  View$or$stop$accounts,$report$payments$and$pull$

performance$reports$all$from$your$custom$client$portal$•  You$are$in$control$of$your$accounts$at$all$8mes$

Making Cash Flow®

Seeng!Up!Your!System!!

Making Cash Flow®

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Transworld!Collec*ons!!!!

Servicing$the$few$highBrisk$accounts$that$go$uncollected:$$

•  Na8onwide$team$of$professional$collectors$who$will$turn$up$the$heat$on$these$overdue$accounts$

•  Services$include$skipBtracing,$asset$discovery,$consumer$and$commercial$collec8ons,$&$legal$efforts$

•  Con8ngency$based$fee$structure$•  You$pay$only$for$dollars$recovered$on$these$highBrisk$

accounts$•  Submit$the$accounts$and$pull$repor8ng$directly$from$

your$Online$Client$Portal$(OCP)$

$It$is$8me$for$the$professional$

debtors$to$deal$with$$professional$collectors$

Making Cash Flow®

!!!!

!

Sales!

Resources

Making Cash Flow®

What!the!Experts!Say:!!

Making Cash Flow®

On!The!Challenges!of!Collec*ng!Internally:!$

!

!

!

"Despite$the$fact$that$cash$is$the$lifeblood$of$a$business$BB$the$fuel$that$keeps$the$engine$running$BB$most$business$owners$do$not$truly$have$a$handle$on$their$cash$flow”$$

!!!$

$

“It$costs$businesses$approximately$$31.60$to$recover$a$past$due$account.”$!

!!

$“American$businesses$have$a$growing$amount$of$their$capital$8ed$

up$in$accounts$receivable,$poten8ally$making$it$harder$for$them$to$kickBstart$growth.$$

$$$“53%$of$surveyed$small$business$owners$said$they$are$experiencing$

cashBflow$problems.”$!

Dartnell’s Institute of Business!

Benefit!Summary!!!!

TSI’s$key$benefits:$$

•  Innova8ve$staged$approach$to$cashBflow$management$•  FixedBfee$based$•  Lower$your$internal$followBup$and$collec8on$expenses$$•  24/7$client$access$to$ac8vity$and$performance$reports$•  Service$all$of$your$accounts,$regardless$of$age,$balance$

or$loca8on$•  Our$processes$are$compliant$with$all$state$and$federal$

requirements (FDCPA, HIPAA, TCPA, & others) •  Your$personal$Account$Execu8ve$will$make$sure$you$get$

the$best$possible$results$from$our$services$$•  Our$Performance$Guarantee$$$

Making Cash Flow®

Unit!Cost!on!Monthly!Usage!!!!

Making Cash Flow®

Es*mated!Usage!Per!

Month!Number!of!Accounts:! !!Price!per!Account:!

9000+$ 200,000$ $5.25$$6000$B$9000$ 150000B199999$ $5.50$$5000$B$$6000$ 100000B149999$ $5.75$$3000B4000$ 75000B99999$ $5.99$$2000B2500$ 50000B74999$ $6.25$$1000B1500$ 25000B24999$ $6.75$$750B900$ 15000B24999$ $7.25$$500B700$ 10000B14999$ $7.75$$250B400$ 5000B9999$ $8.75$$100B250$ 2500B4999$ $9.50$$40B50$ 1000B2499$ $9.99$$20B40$ 500B999$ $10.99$$10B15$ 250B499$ $12.50$$3B5$ 100B249$ $13.25$$

Regulatory!Compliance!!!!

Compliance$is$one$of$TSI’s$key$benefits$and$corporate$mandates.$$We$are$fully$compliant$with$the$TCPA,$FDCPA$and$HIPAA$requirements.$$$$

How$important$is$priori8zing$compliance$in$today’s$regulatory$environment?$$Here$are$just$a$few$of$the$companies$that$have$had$lawsuits,$judgments$or$seElements$in$just$the$last$year:$$$

$$

Making Cash Flow®

Dell,!Jiffy!Lube,!Google,!Microsoi,!Dish!

Network,!Arrow!Financial,!Sallie!Mae,!

TwiSer,!The!Huffington!Post,!Wilcrest!

Healthcare,!Standard!Mutual!Insurance,!

and!many!more.!

Recommended!Four!Stage!Approach!

Outsourced!

In9House!!

Efforts!!!

!In!

Your!Name!

$$$$$$$

Pre9!!

Collec*on!!

3rd!Party!

Demands!

!

3rd!Party!!

Verbal!

Demands!

90!Days!!!

Demand!!

1!!!!

Courtesy!

no*ce!

100!Days!!!

Demand!

!2!!!!!!!!!!

Call!#1!

110!Days!!!

Demand!!

3!!!!!!

WriSen!

Demand!

120!Days!!!

Demand!!

4!!!!!!!!!!!!

Call!#2!!!!!!!!

130!Days!!!

Demand!

!5!!!!!!!!!

Final!

Demand!

We$contact$slowBpaying$accounts$every$10$days$increasing$intensity$in$each$demand,$without$aliena8ng$your$customers.$

Early!use!of!a!diploma*c!Third!Party!at!a!controlled!

cost.!!You!maintain!control!of!your!accounts.!

150!Days!+!

Intensive!Collec*ons!and/or!Legal!Ac*on!!

This!is!where!professional!debtors!must!deal!with!professional!collectors!

30!Days!!!

Diploma*c!

Reminder!

LeSer!#1!

40!Days!!!

Diploma*c!

Reminder!

!Call!#1!

50!Days!!!

Diploma*c!

Reminder!

LeSer!#2!

60!Days!!!

Diploma*c!

Reminder!!

Call!#2!

70!Days!!!

Final!!

Warning!

LeSer!

Ayer$1st$invoice$or$ini8al$statement,$accounts$go$to$Accelerator!–$limi8ng$internal$efforts$&$expenses.$$You$control$the$whole$process$

Systema*cally!engage!your!customers!with!5!reminders!

Your!

In!House!!

Efforts!

Send!Invoice!or!Ini*al!Statement!

Client!

Tradi*onal!Accounts!Receivable!Model:!$

• $Debtors$know$they$owe,$but$may$not$care!!!

• $Customers$are$less$likely$to$respond$as$aEempts$con8nue$

• $There$is$no$cap$on$the$8me$or$money$spent$on$followBup$

• $Businesses$and$prac8ces$follow$this$model$due$to$the$high$cost$of$collec8on$agencies,$and$fear$of$aliena8ng$their$customers$or$pa8ents$

• $There$is$no$way$for$a$business$to$know$who$is$a$“casual”$delinquency,$and$who$is$a$serious$nonBpayer$$$

0 60 90 120 150 30

The!Challenge!

Making Cash Flow®

Customer!Concern!Level!

The!Solu*on!

0 60 90 120 150 30

!!!!!Accelerator! !!!!!Profit!Recovery!

Accelerator®$

• $1st!Party:$You$are$asking$for$payment,$but$TSI$is$doing$the$work$• $Five$Contacts$in$40$days,$all$in$your$businesses$or$prac8ce$name$• $Caps$8me$and$money$spent$on$follow$up$–$Limits$your$touches$$$• $Standardizes$your$AR$process$• $Accelerator$separates$casual$delinquencies$from$serious$ones$

• $3rd!Party:$Five$Collec8on$Agency$$Demands$in$a$span$of$40B60$days$• $TSI$fills$�bill$collector�$role$• $Every$demand$creates$greater$urgency$• $S8ll$allows$you$to$help$the$debtor$resolve$their$debt$• $Greater$leverage$allows$you$to$control$the$process$(payment$terms,$credit,$etc.)$• $Services$are$fixedBfee$based$

!!!!!!!!!TSI!Collec*ons!

Making Cash Flow®

Urgency!