Our Team:Manoj Miranda:Has worked in the Healthcare banking industry for close to 8 years. He has held senior management roles at National Australia Bank and Westpac and helped start up their banking proposition to the industry. Manoj has leading industry presence in the NSW healthcare banking industry market. Prior to this Manoj worked for GE Commercial and Macquarie Bank in various Credit roles. Given the 20 years’ experience in the finance sector in both Sales and Credit roles, asset finance, commercial and residential lending Manoj can bring a wealth of experience to the healthcare market. Credentials include a Master of Business (Finance) and MBA (Professional Accounting). He has also completed an Advance Diploma in Financial Planning.Contact Manoj MirandaPhone: +61 0475 085 964Simon Johnson:Has worked in the Banking & Finance Industry since 1994 and most recently the Healthcare banking industry for more than 7 years. He has held Senior Relationship Management roles at National Australia Bank, CBA Corporate, Westpac (Healthcare) and ANZ (Health). Simon has extensive experience & presence in the NSW Healthcare Banking Industry and strong modality knowledge in areas such as: Pharmacy & Pharmacy Groups, G.P’s & Medical Practices / Centres & Super Clinics, Specialist Medical Practitioners, Dentists & Dental Practices, Radiology & Allied Health, Veterinarians and Vet Practices (large & small), Hospitals & Day Hospital & Aged Care Facilities. Simon’s Credentials include a Banking & Finance Degree (Commerce), Certificate IV Finance & Mortgage Broking and a member of the MFAA (Mortgage & Finance Association of Australia). Contact Simon Johnson Phone: +61 0412 960 073

Our Team:Greg Sworden:Has been a professional banker since 2004 and has been specialising in the healthcare industry for the last 8 years. He has held key business development roles in both NAB and Bankwest.Part of Greg’s success in the healthcare industry has undoubtedly been due to his commitment to treating every client individually and acting with integrity. This skill can translate into providing you with a better banking experience.He is committed on delivering excellent service with a range of alternative loan structuring to save your business both time and money.Contact Greg SwordenPhone: +61 0478 030 245

What We Do:Healthcare Capital Management works exclusively with businesses and health professionals in the healthcare industry. We’ll partner with you to help deal with any current & future needs / challenges facing your business. We will help you manage your business effectively and provide important insight needed for your industry.

Healthcare Capital Management provides holistic finance solutions to the Healthcare industry. We can assist you at any stage of your personal or business life cycle. Whether starting up a new business, purchasing a business or expanding your existing business we can help. We pride ourselves in ensuring we provide the highest quality of business acumen and the integrity with all of our dealings with our valued clients.

Our Model:

• We provide a professional, knowledgeable & discreet review of your current banking arrangements and an obtain a solid understanding of your current & future personal / business needs & goals.• We have access to the whole finance market & we work for

you, and not the banks, to ensure you receive the right outcome for you and your business.• We can provide you with all available finance & banking options

and alternative structure’s to ensure you receive the most suitable & cost effective deal.• We are completely transparent in all our dealings with our

clients, we get paid by the banks – that’s our arrangement.

Our Services:

Specialised Finance Solutions for the Healthcare Industry such as: Commercial & Business Finance for purchases, acquisitions & partnership buy outs Home Loans - Up to 90% LVR with no LMI (must meet industry qualifying criteria) Equipment Finance - Medical equipment; Specialist Medical, Pharmacy, Dental, Vet, Motor

vehicle; and Fitouts Insurance & Superannuation review – Business & Personal protection, Super Fund & SMSF

Health Modalities / Industry: Pharmacists and Pharmacies Doctors & Medical practices / centres & super clinics Dentists and dental practices Radiology & Allied Health Veterinarians and Vet practices Hospitals & Day Hospitals Aged care centres

Our Services / examples:

Insurance Premium Funding• A large pathology / medical service provider has a lump sum insurance premium that was going to affect their cash

flow.• Our solution was to spread payments over an 11 month period resulting in a more sustainable cash flow for the

business.

Reducing non-tax Deductable Interest• To help reduce the non-tax deductible interest, we linked our customer’s owner occupied home to the commercial debt.• In doing so, we transferred the principle repayments from the commercial loan to the non-tax deductible home loan,

thus reducing non-tax deductible interest quickly.

Pharmacy Purchases – negotiation at every step• $5m pharmacy purchase in which we negotiated the structure of ownership of the pharmacy, lease and borrowings.• We negotiated the correct insurance level between the insurer & bank and negotiated a favourable fixed rate for the

loan.

Pharmacy fit-out• Based on the strength of the overall group, we were able to provide a stand-alone pharmacy fit out, which is funding of

the fit out secured only by the fit out itself.• The benefits of this approached meant the equity in the group could be used for other ventures given this was on a

Greenfield Site!

Our Services / examples:(cont.)

New Business Working Capital• A pharmacy group that has been in business for over 30 years created a new entity within the group for a new

venture.• We were able to demonstrate the strength of the group and obtained the overdraft with the existing lender

because of our expertise in the market.

Capital Injection via Equipment Finance• A new business approached us seeking finance to fund various equipment to start their business.• We were able to raise funding via an equipment finance loan for the purchase of new equipment and kick start

the venture. Existing Interest Rate• At loan maturity, our customer contacted us to negotiate a better rate with their existing lender.• We were able to obtain a substantially better rate saving the customer in excess of $26,000 per annum.

Owner Occupied Commercial Property Purchase• A customer paid a premium (a slightly higher purchase price than market value), for a commercial property in

which they were the sole tenant.• We were able to link the cash flow of the existing pharmacy as well as an additional property to security to the

loan.

Testimonial's:I have been professionally acquainted with Mr Manoj Miranda for approximately 6 years. During this time Mr Miranda has been in two senior management roles within the health care sector of the banking and finance industry with two of Australia’s top 4 leading banking institutions.The undersigned has found that Mr Miranda understands the banking and finance needs of Healthcare Professionals and is happy to assist them with efficient, reliable, expedient and useful solutions to assist their business and personal finance needs as and when required.Mr. Miranda has attended our business with his team for the purpose of introduction, assisting with understanding our ongoing commercial finance needs and delivering a tailor made solution to meet those needs on time, every time.It is noteworthy that when Mr Miranda moved from one financial institution to another, the undersigned was happy to move business banking and follow Mr Miranda into Mr. Miranda’s new portfolio. This decision was a corporate decision based on Mr Miranda’s professional integrity and commitment to provide ongoing solutions for our business needs. Mr. Miranda has strong insight into the financial needs and requirements of healthcare businesses. He has provided unbiased, unparalleled, and insightful business advice regarding trade sales, equity decisions, mergers and acquisitions and business restructuring to our business, within the scope of this professional capacity. His opinion is highly respected, sought and valued. The undersigned is honoured to be providing Mr Miranda with a professional reference for health-related finance needs for healthcare professionals. Dr I KhanDirector of Medical ServicesPhone: 1300 375 426 (1300 DRKHAN)Fax: +612 97241432Mail: PO Box 29 Manahan. NSW. 2200Clinic: 42 Hill Street, Cabramatta. NSW. 2166Email: drijaz@injurycare.com.auWebsite: www.injurycare.com.au

Testimonial's: (cont.)I have known Manoj Miranda for more than 6 years now.I first met Manoj as a banker for Dental Corp Limited where I was a director during that time I found Manoj to be more than a banker he was an active participant with the company giving advise on all banking matters. He was also one of the key players in arranging a Syndicated loan with a number of Australian banks . The Debt facility was $170 Million.Since my time at Dental Corp and beyond Manoj has remained my banker in a business capacity and also personably. He has arranged personal Mortgage finance for me as well as a number of loans for business including leases. In addition to the above Manoj was also instrumental in working with me on a deal to buy a distribution company in Melbourne. He was key in his advise as to both how to fund the transaction and how we could structure a debt equity deal with the bank. His knowledge of both finance and credit was impeccable in this situation.I have also introduced Manoj to a number of other deals some which where complex in most cases he was able to steer the clients in the right direction to succeed with their debt finance.Having said the above Manoj has shown me that he is prepared to give the facts straight if there is no deal then he will state that clearly and if there is a deal his experience and knowledge can direct in the best way to move forward. He is experienced a straight shooter and has good business knowledge and ethics.NICK THLIVERIS | DIRECTORSOUTHERN CROSS DIAGNOSTICS P/L

Testimonial's: (cont.)

Having worked with Manoj on a number of transactions, I highly recommend his services.Manoj instantly understood my business and what we wanted to do. His experience and understanding made communicating our aims and putting together our banking facilities simple and painless. Manoj can see the big picture and then finds the most efficient way to achieve the outcome.We were able to get on with running our business with complete confidence that Manoj was looking after our best interests and getting things done. His ability to problem solve and push through any delays was remarkable. Manoj is hard working and a pleasure to deal with.Director, Practicare

Important things you should know:

Any advice given is of a general nature only and it not based on any consideration of your objectives, financial situation and needs. To decided if a product is right for you, please carefully ready the Product Disclosure Statement (“PDS”) for the product. A PDS can be obtained from your credit provider(s).