Company Overview. Global Recovery Alliance AG specializes in international credit management & medical debt collection.

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1 Company Overview Global Recovery Alliance AG specializes in international credit management & medical debt collection. Global Recovery Alliance provides a single point of contact for American, Canadian and International Healthcare Providers around the world who are searching for a reliable and cost efficient solution for International medical debt collection issues. Global Recovery Alliance has set new industry standards for multicultural, multilingual and multinational credit management and medical debt collections. Global Recovery Alliance has it s head office near Zürich, Switzerland and has at it s disposal over 20 in-house languages as well as a fully developed network of 3rd party agents, legal & medical panels, diplomatic links and governmental contacts in many, if not most, countries around the world. Global Recovery s specializations Can be broadly classed as follows: - International Travel & Medical Insurance - Government & Embassy Negotiations - International Self-Pay & Guarantors - Elective Treatment Cost Overruns - Non-Contractual Discounts A large variety of in-house and external services such as private investigations, skip tracing & verification, assets & means checks and a proven network of international legal services support the international services offered by Global Recovery Alliance. Global Recovery Alliance stringently adheres to a strict code of practice and maintains strong relationships and memberships with industry related regulatory institutions such as the Healthcare Financial Managers Association (H.F.M.A), The American Association (A.C.A) The USA Government Services Program and The Healthcare Services Program. As Global Recovery Alliances clients are healthcare providers, Global Recovery Alliance is acutely aware of the sensitive nature of medical debt collections. Global Recovery Alliances collection charges are on a contingency fee basis. If Global Recovery Alliance are unsuccessful in collecting, no charge is made.

2 Why choose Global Recovery Alliance? We appreciate that you will be looking for an established and specialized International agency. Look no further than Global Recovery Alliance which, whilst being both innovative and progressive is also mature, dependable and vastly experienced. The quality and worldwide recognition for which Global Recovery Alliance has become known is based on results, reliability, service levels and professionalism. This coupled with the recommendations and references from clients has allowed Global Recovery Alliance to become recognised as a trusted world leader in International medical recoveries and account receivables management. Importantly we are working successfully with many different organisations throughout the United States of America and Canada. In fact 11 of the top 20 North American hospitals* have already enjoyed the benefits of using the International collection services of Global Recovery Alliance. Global Recovery Alliance s in-house collections specialists are expected to have at least university degree level education. Global Recovery Alliance also has at least 20 nationalities and languages allowing us to speak the language of your patients, wherever in the world they live. Whenever possible, correspondence with your patients both written and spoken is in their own language. We listen to our clients needs and then custom build a service to suit. We deliver a tailored service for all of our clients because apart from performance and quality of service, no two clients seek exactly the same service for their International collections. Global Recovery Alliance continuously invests in the most up to date hardware and software as part of an ongoing commitment to excellence. Our processes and procedures are constantly monitored, evaluated and updated to ensure full advantage is taken of currently available resources and technology. * Source: US News Honour Roll Top 100 US Hospitals 2003

3 Policies and Procedures The Health Insurance Portability and Accountability Act of 1996 (HIPAA). Global Recovery Alliance is committed to protecting the privacy and security of all Protected Health Information (PHI) that it receives or creates in the course of handling patient accounts on behalf of it s clients. To emphasize this unwavering commitment to protecting the privacy of your patients and to H.I.P.A.A. We have implemented H.I.P.A.A Policy & Procedures company wide. Global Recovery Alliance ensures only the minimum necessary PHI is used to complete the assigned task, which is the function of payment (45 CFR b). We provide all employees with comprehensive ongoing two-tier education with regular training updates. Our specially trained administration staff handle, process and store all incoming PHI and very importantly, levels of system privileges control access to client data. Collection Services Agreement The Global Recovery Alliance s Collection Services Agreement details the full nature of the future relationship between your organisation and Global Recovery Alliance and it highlights the services you can expect from Global Recovery Alliance and equally, what Global Recovery Alliance expects from you. Business Associate Agreement As defined by the 1996 H.I.P.A.A act, the Business Associate Agreement enables you as the covered entity to provide Global Recovery Alliance, the business associate, with the relevant demographic and PHI which is needed in order to perform the function of payment. The function of payment is of course the process of recovering unpaid medical accounts. The completion of a Business Associate Agreement is a natural and necessary part of the contractual process.

4 Company Structure GRA Principal Contact Details: CEO Name: Paul Wallis Direct Dial: International Sales and Marketing Name: Patrizia Baumann-Di Paolantonio Direct Dial: Collections Management Name: Stephen Mansfield James Miller Direct Dial: CEO Administrative Head Finance Department Administrators Personnel/HR Dept Invoicing Payroll Information Technology Support Sales & Marketing International Client Support Healthcare Legal Assistance Collections Manager Client Support Commercial Compliance Department Healthcare International Trade Account Administrators Account Administrators Finance/Insurance Governmental

5 Services Overview Global Recovery Alliance s worldwide collection services charge includes most third party work commissioned by Global Recovery Alliance during the collection process. Clients receive a detailed monthly report outlining the actions taken on each case so the client can stay up to date and fully informed with individual case progress. Major clients enjoy the benefits of a dedicated Account Administrator for all day-to-day contact and information requests. Global Recovery Alliance ensures where possible that all contact with patients (written and spoken) is in their own language and by someone who knows the cultural procedures, norms and legal system of the particular country in question. No Fee, No Upfront Costs This contingency fee is a negotiable percentage of collections made and is based roughly on the following criteria: - The age of the accounts - The estimated potential volume of collections submitted - Geographical location of the debt - Language and cultural requirements If, after all reasonable efforts of collection have been made, a successful result is not forthcoming, Global Recovery Alliance will provide the client with a prelitigation report. This report enables the client to assess whether the patient is in a position to settle his/her indebtedness if legal proceedings were to be started and successfully concluded. Should litigation become necessary, Global Recovery Alliance will provide a detailed quote of the envisaged costs and timescales and can oversee the whole legal process in the country in question. Written confirmation to proceed with legal action is required from the client at this point i.e. before any costs are incurred. All of these benefits are provided to our clients with no upfront charge or membership fee (excepting any jointly agreed legal costs) and as previously mentioned, nothing will be owed to Global Recovery Alliance if a collection is not made.

6 Sample Medical Placement Form Creditor/Business Office: Insurance Company: Full Address : Hospital: Contact Person : Full Address: Country: Telephone: Facsimile: Patient Name: Guarantor if Applicable: Full Address Telephone: Facsimile: Discharge Date: Currency of Payment: Total Invoiced Amount: Payments Received to Date: Total Amount Overdue: Is the amount overdue under dispute? Y/N: Comments/ Notes If yes, please give details: Country: Telephone: Facsimile: Mobile Telephone: Copies of Documentation Required (Where appropriate) Admission Documents/Agreements Comments/ Notes Insurance Details Terms and Conditions Itemised Billing Invoices Statements of Account Correspondence with the Patient.

7 Aggregate Continental Recovery 11% 9% Andorra Albania Austria Belarus Belgium Bosnia And Herzegovina Bulgaria Croatia Cyprus Czech Republic Denmark Estonia Finland France Georgia Germany Greece Hungary Iceland Ireland Italy Latvia Liechtenstein Lithuania Luxembourg Macedonia Malta Monaco Netherlands Norway Poland Portugal Romania Russia Serbia And Montenegro Slovakia Slovenia Spain Sweden Switzerland Turkey Ukraine United Kingdom 3% 10% Algeria Angola Botswana Cameroon Central African Republic Congo Côte d Ivoire Egypt Equatorial Guinea Ethiopia Gambia, The Ghana Guinea Kenya Libya Madagascar Mali Mauritius Morocco Mozambique Namibia Nigeria Rwanda Senegal Seychelles Sierra Leone Somalia South Africa Tanzania Trinidad And Tobago Tunisia Uganda Zambia Zimbabwe 4% 30% 12% 6% 5% 5% 5% Successfully Negotiated & Recovered From: Armenia Bahrain Bangladesh Brunei Cambodia China India Indonesia Iraq Japan Jordan Kuwait Korea, North Korea, South Laos Lebanon Maldives Malaysia Mongolia Nepal Oman Pakistan Philippines Saudi Arabia Singapore Sri Lanka Syria United Arab Emirates Vietnam Yemen Antigua And Barbuda Argentina Bahamas Barbados Belize Bolivia Brazil Chile Costa Rica Cuba Dominica Dominican Republic Ecuador El Salvador Grenada Guatemala Guyana Haiti Honduras Jamaica Nicaragua Panama Paraguay Peru Saint Kitts And Nevis Saint Lucia Trinidad And Tobago Uruguay Venezuela Canada Mexico United States Australia Fiji Maldives New Zealand Papua New Guinea Samoa

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