EMDEON CONSUMER BILLING & PAYMENT SOLUTIONS

EMDEON CONSUMER BILLING & PAYMENT SOLUTIONS

Collect More, Faster. With Emdeon Consumer Connect TM, our comprehensive suite of Consumer Billing & Solutions, you can start collecting more consumer payments. Faster. By leveraging the efficiency of web-based applications and automating manual processes, inefficient paper-based workflows can be virtually eliminated at your organization. By automating the collection of payments received at the point-of-service, through the mail, online and over-the-phone, you can reduce the cost of accepting and processing payments. Leveraging our advanced statement printing and mailing services can also help accelerate payment and reduce billing costs. Using Emdeon solutions, you can bypass time-consuming in-house systems and manual processes to expedite statement delivery. Our online billing and payment portal also expedites the billing process using email notifications to alert consumers in real-time that their newest bill can be accessed online. This portfolio of services addresses the challenges associated with billing consumers and collecting what you are owed by providing the tools you need to move money from your customer s pocket to your bank account faster. Emdeon Consumer Connect Fast, full-color statement printing and mailing Convenient return mail management Automated lockbox services Easy-to-access electronic storage of billing files Cost-effective online billing and payment receipt Integrated point-of-service payment collection Economical pay-by-phone service Secure credit card processing Accelerate Outbound Billing Emdeon ExpressBill Services Emdeon Return Mail Manager Emdeon Document Archive Contact Us Today! 877.EMDEON.6 (877.363.3666)

More Value with End-to-End Solutions Engineered for seamless compatibility, Emdeon Consumer Connect solutions ensure accurate, consistent customer billing and payment information across all communications. Interoperable solutions also work together to increase efficiencies and reduce customer service calls. Whether you are seeking a partner to produce and deliver insurance cards, financial statements, utility bills or any other type of customer communication personalized for your business, Consumer Connect can empower your organization with the right solutions to accelerate payment of customer-owed amounts. Expand Inbound Channels Emdeon Merchant Services Emdeon Consumer Lockbox Emdeon ecashiering Emdeon Consumer Pay Online Emdeon Voice Pay At Emdeon, we re here to help. To transform the way you run your business today, call us at 877.EMDEON.6 (877.363.3666) for a complimentary review. 03

Emdeon ExpressBill Services TM Expedites consumer receivables cash flow by improving statement readability and accelerating delivery Emdeon ExpressBill Services is your one-stop source for fast, effective statement design, processing, full-color printing and mailing. Simplifies billing processes and streamlines staff workflows Finds and corrects address information before it enters the mail stream Highlights important statement information in color and leverages statement design best practices to improve statement readability and encourage prompt payment Accelerates statement delivery to improve cash flow Can print dynamic statement messaging to eliminate the need for additional mailings File Transfer Automates the process of uploading statement files to Emdeon to expedite statement printing and mailing Can receive billing files through secure FTP, web upload and VPN Can receive billing files 24 hours a day, seven days a week and multiple files can be sent daily Statement Design Data Cleansing Printing Sorting, Insertion and Mailing Transforms your statement to improve readability and maximize impact leveraging the expertise of Emdeon statement designers Offers many standard statement templates to choose from Can leverage intelligent business rules defined by your organization to simplify consumer billing data presented on the statement Leverages best-practices to design statements that encourage swift action and prompt payment Updates address information leveraging the USPS Coding Accuracy Support System (CASS), Delivery Point Validation (DPV) and NCOALink TM software Removes duplicate records and those records associated with undeliverable mail or deceased individuals using the Emdeon Global Suppression Database Can apply client-specific suppression criteria Prints full-color statements on 8½ x 11 inch 24 pound paper Can quickly print both the front and the back of the statement including variable information at a breakthrough speed of 400-feet per minute Eliminates pre-printed forms and reduces inventory storage using roll-fed printers Can print custom messages directly on statements Inserts the statement into the envelope using a system that can process up to 22,000 envelopes per hour Automates the collation of mail pieces by ZIP code using high-speed MLOCR (Multi-Line Optical Character Reader) mail sorting machines Inserts mail into the USPS mail stream normally within the next business day from successful file receipt Enables accurate postage forecasting using indicia-based first-class postage at a fixed rate Leverages a standard #10 double window security envelope for outgoing mail and a standard #9 single window envelope for the returned remittance Emdeon is a non-exclusive Limited Service Provider Licensee of the USPS. The following trademarks are owned by the USPS : NCOA Link, U.S. Postal Service and USPS. AD #2.10

Emdeon Return Mail Manager TM Expedites consumer receivables cash flow by quickly identifying updated addresses and mailing corrected statements previously returned as undeliverable Emdeon Return Mail Manager eliminates 100% of return mail handling by routing undeliverable mail to Emdeon s processing facility to identify the current address and resend the updated statement. Eliminates undeliverable mail handling to save staff valuable time Automates undeliverable mail processing and quickly mails a subsequent, corrected statement if an updated address is identified Provides comprehensive undeliverable mail reporting to update internal billing systems Returned Mail Acceptance Returned Mail Scanning Returns undeliverable physical mail pieces to Emdeon s processing facility Scans each barcode in the return address window and destroys the original statement Ties the scanned barcodes to the original print file and customer account Address Correction Sends the customer information to a National Database to search for an updated address if the returned record has not been processed in the last 90 days Suppresses records in future mailings if unsuccessful skip traces have been conducted within the last 90 days Statement Remailing Reporting Remails the statement if a successful skip trace has been conducted within the last 90 days and an updated address has been identified Distributes a return mail report that can include Social Security Number, Customer Name, Account Number, Address, City, State, ZIP code, Invoice Number and Amount At Emdeon, we re here to help. To transform the way you run your business today, call us at 877.EMDEON.6 (877.363.3666) for a complimentary review. 05

Emdeon Consumer Lockbox TM Expedites consumer receivables cash flow by accelerating the processing, depositing and posting of consumer payments received through the mail Emdeon Consumer Lockbox automates the process of sorting, opening, posting, depositing and managing consumer payments received through the mail. Greater bank flexibility enables you to keep your community banking relationships Helps you get paid more quickly by automating payment processing and depositing Greater deposit flexibility enables you to split singular mailed payments and deposit funds into multiple accounts Helps you save money by reducing the number of exceptions leveraging historical statement data Processing Processes and scans all envelope contents including the remittance stub, checks, etc. Leverages historical consumer statement data to significantly reduce the number of exceptions normally caused by missing statement remittance information Reads the scanline printed on the statement to identify the account information Depositing Deposits funds into your existing accounts enabling you to keep your community banking relationships Automates payment acceptance and can deposit check and credit card payments into one or more bank accounts Can split singular mailed payments according to business logic and deposit the funds into multiple accounts Posting Automates the process of posting consumer payments by providing a downloadable 835 or custom remittance file Offers advanced lockbox management capabilities allowing payments to be applied to multiple accounts Reporting Archives scanned images for seven years for long-term access Provides web-based workflow tools to manage customer communications received through the mail such as change of address request, insurance updates and general correspondence

Emdeon Document Archive TM Expedites consumer receivables cash flow by helping your staff view images of historical statements online to quickly resolve billing related questions Emdeon Document Archive provides online access to exact replicas of consumer statements printed by Emdeon as PDF documents and offers document printing capabilities from the desktop of authorized users. For organizations that prefer to store and access the statement images using their own proprietary systems instead, Emdeon can deliver the files to a secure FTP site for file retrieval. Accelerates response time to consumer billing inquiries Eliminates the hassle of digging through mounds of paperwork to find copies of historical statements File Conversion Converts statement files to PDF images for online viewing Online Archive Stores images, graphics and shading in the electronic image to identically match the original printed document Archives statement images for one year of online archive or for a longer period of time at an additional charge Can send statement images as PDF or TIFF files to the client via secure FTP for storage within an internal imaging system Online Access Allows staff to reprint the statement using their own desktop printer or submit a request to Emdeon to initiate statement reprinting and mailing Provides searchable access to records by name, account number or mail date At Emdeon, we re here to help. To transform the way you run your business today, call us at 877.EMDEON.6 (877.363.3666) for a complimentary review. 07

Emdeon Consumer Pay Online TM Expedites consumer receivables cash flow by automating payment acceptance by providing an online billing, account management and payment portal for customers Emdeon Consumer Pay Online is a customizable website that allows consumers to conveniently view and pay their bill virtually anytime, anywhere using a web browser. Can significantly lower billing costs by allowing consumers to voluntarily go paperless and turn off their printed bill Expedites the billing process using email notifications to alert consumers virtually real-time that their newest bill can be accessed online Can reduce Accounts Receivable (AR) days Can lower call volume by providing a self-service payment option available 24/7 Can improve profitability by lowering the administrative costs associated with accepting payments Web Portal Design Provides a web portal that can be customized to leverage your organization s colors and logo Allows consumers to opt out of receiving paper statements in the future Displays important account information such as current balance and images of historical statements Allows consumers to set up automatic recurring payment plans Acceptance Allows consumers to configure the portal to lower the balance if the customer meets the discount eligibility requirements at the time of payment to offer a prompt pay discount* Accepts credit, debit card or check payments Posting Automates the process of posting payments by providing a downloadable file Provides automated reports that can be reported back to the client in a daily payment posting file Reporting Provides information about the total number of unique site visits, number of enrolled users, secure communications received and the number of address and insurance changes Can access the consumer view of portal to assist with online billing inquiries * Emdeon Consumer Pay Online customers are not required to implement balance discounts. Balance discounts/credits offered to consumer are incurred by the customer. Emdeon does not reimburse customers for balance discounts provided to consumer.

Emdeon ecashiering TM Expedites consumer receivables cash flow by simplifying Point-of-Service payment acceptance and supporting revenue management strategies to proactively collect more, earlier in the consumer encounter Emdeon ecashiering is a web-based tool that allows employees to accept consumer payments from virtually anywhere in your organization linking real-time payment acceptance information across your organization. Simplifies enterprise-wide revenue management Supports proactive strategies to collect receivables earlier in the encounter Can facilitate an increase in the speed of payment capture Saves time by automating manual payment posting Provides dashboard reporting of payment activity Acceptance Accepts various payment methods such as credit cards, check cards, echecks and ACH transactions in addition to physical payments such as cash, checks and money orders Allows real-time approvals and processing of credit card transactions Allows organizations to configure portal to offer prompt pay discounts* Can print a paper receipt and email a digital receipt to the customer Can schedule recurring payments and provide refunds Accepts real-time consumer payments from all locations within the enterprise including the call center and point-of-service Posting Reporting Automates the process of posting consumer payments by providing a downloadable file Safeguards cash by requiring users with the feature enabled to count the cash in their drawer at the beginning and ending of each shift Supervisors can generate reports to view payment activity by date or account number and create custom reports Tracks collection performance by departments, groups or even at the individual level * Emdeon ecashiering customers are not required to implement balance discounts. Balance discounts/credits offered to consumer are incurred by the customer. Emdeon does not reimburse customers for balance discounts provided to consumers. At Emdeon, we re here to help. To transform the way you run your business today, call us at 877.EMDEON.6 (877.363.3666) for a complimentary review. 09

Emdeon Voice Pay TM Expedites consumer receivables cash flow by automating payment acceptance by providing a pay-by-phone service for customers Emdeon Voice Pay is an automated, interactive phone service that allows consumers to make payments towards their outstanding balance from virtually anywhere, anytime over the phone. Reduces the cost of accepting consumer payments by redirecting calls normally handled by customer service Improves consumer satisfaction by providing an additional self-service payment channel available 24/ 7 which is especially useful for customers without Internet access at home Increases staff productivity by automating payment collection Acceptance Can accept various payment methods such as credit cards, check cards, echecks and ACH transactions Allows real-time approvals and processing of credit card transactions Utilizes payment information captured through phone keypad responses Provides a standard script with custom script development available to meet your specific needs Posting Reporting Automates the process of posting payments by providing a downloadable file Generates reports to view payment activity by date or account number and create custom reports Contact Us Today! 877.EMDEON.6 (877.363.3666)

Emdeon Merchant Services TM Improves profitability by lowering the cost of accepting consumer payments Emdeon Merchant Services is a secure and reliable debit and credit card acceptance solution available in conjunction with the acquiring and processing services of Chase ech, a global leader in payment processing.* Turnkey integration with Emdeon Consumer Connect Solutions Improves profitability by lowering the overall cost of payment processing Offers secure and reliable payment processing Simplifies reconciliation with centralized, online reporting Turnkey Integration Integrates with Emdeon Consumer Connect solutions to help process consumer payments received at the point-of-service (POS), online, over the phone or through the mail Efficient Routing Provides access to the leading credit card networks and routes transactions more efficiently to help you keep more of what you collect Advanced Reporting for Reconciliation** Provides front-end (pre-settled) batch and transaction detail, settled transaction detail, funding data, interchange qualification data, retrieval and chargeback data Enables visibility of chargeback activity to maximize reversal potential Ensures that best business practices are followed to keep card acceptance costs low through interchange qualification level monitoring Reduces risk of potential fraudulent activity through the use of reports and alerts * Emdeon Merchant Services is a credit and debit card processing solution offered by Emdeon Business Services, LLC. Chase ech is only one of the credit card processors that can integrate with Emdeon Consumer Connect. Please consult an Emdeon representative for information about all available credit card processing services. Merchant Services capabilities listed are applicable when selecting Chase ech s processing services. If you select Chase ech for your acquiring and processing needs, all merchants are subject to credit approval by Chase ech. A more detailed application may be required. **Advanced reporting capabilities available with Chase ech s online reporting tools. At Emdeon, we re here to help. To transform the way you run your business today, call us at 877.EMDEON.6 (877.363.3666) for a complimentary review. 11

Emdeon Consumer Connect TM Emdeon ExpressBill Services TM Fast, four-color statement printing and mailing Emdeon Return Mail Manager TM Convenient return mail management Emdeon Consumer Lockbox TM Automated lockbox services Emdeon Document Archive TM Easy-to-access electronic storage of billing files Emdeon Consumer Pay Online TM Cost-effective online billing and payment receipt Emdeon ecashiering TM Integrated point-of-service payment collection Emdeon Voice Pay TM Economical pay-by-phone service Emdeon Merchant Services TM Secure credit card processing Emdeon delivers professional and economical automated billing and document mail services for the diverse commercial market. To learn more about our company and our services, visit our website at www.emdeon.com. 2012 Emdeon Business Services LLC. All rights reserved. EMDA1010382 rev 2.12 3055 Lebanon Pike, Suite 1000 Nashville, TN 37214 USA 877.EMDEON.6 (877.363.3666)