Our office is pleased to offer you flexible payment plans to make your family’s dental care affordable and convenient. CareCredit is a patient financing company with programs designed to help patients get the treatments they need. Our affiliation with CareCredit® provides access to interest free and low interest patient payment plans to fit any budget. Ask our office staff how you can apply now for this payment alternative, and start your treatment today.

Our practice offers a flexible payment program called CareCredit. With CareCredit you can:

• Start treatment immediately
• Enjoy low monthly payments
• Finance up to 100% of the treatment cost
• Choose between several payment options
• Pay no money upfront
• Pay no annual fees

Ideal for co-payments, deductibles and treatment not covered by insurance, CareCredit is a revolving charge account that is easy to use and takes minutes to apply. You can:

• Complete the short application in just a few minutes
• Receive a response within seconds
• Use it for the whole family for ongoing treatment without reapplying
• Save your other credit cards for household or unplanned expenses

• If you pay at least the minimum monthly payment as follows

• Pay your promotional balance in full by the end of the promotional period, then no interest will be charged on your promotional purchase

• Low interest rate, 48 month extended term
• For treatment fees over $1,500
• Low monthly payments

Estimated monthly payment based on 12.96% APR, 48 months.

*No Interest Payment Plans
No Interest If Paid Within 3, 6, or 12 Months*. Minimum monthly payments required. Valid on purchases of at least $300 for 3 months, $700 for 6 months or $1000 or more for 12 months when you use your CareCredit credit card.

Applies to purchases of $300, $700, or $1000 or more made on the CareCredit consumer credit card account. Under the promotion, no finance charges will be assessed on the promotional purchase as long as: (1) you pay the promo purchase amount in full within 3, 6 or 12 months (the”promo period”), and (2) you pay, when due, the minimum monthly payment on your account, which includes a required minimum monthly payment on the promo purchase. If you fail to satisfy either of the above conditions, all special promo terms will be terminated and finance charges will be assessed on the promo purchase amount from the date of the purchase. Optional credit insurance/debt cancellation charges on your promo purchase are not deferred and are not subject to the promotional terms. Standard account terms apply to non-promotional purchases. Variable APR is 22.98% as April 16, 2004. Fixed APR of 24.75% applies if the minimum payment is not made within one month of the payment due date. Minimum finance charge is $1.00. Existing cardholders should see their credit card agreement for standard terms. Offer is subject to credit approval by GE Money Bank.

**Extended Payment Plan
24 Months, 36 Months, 48 Months Fixed Payment/9.90% APR Valid on purchases of $1000 or more when you use your CareCredit credit card.

Applies to purchases of $1000 or more on a CareCredit consumer credit card account. Fixed minimum monthly payments equal to 4.61% for 24 months, 3.22% for 36 months or 2.53% for 48 months of the promotional purchase amount will be required each month until the promotional purchase is paid in full, in addition to any other required minimum payment. Finance charges will be applied to the promotional balance at the fixed daily periodic rate of .0271% (corresponding fixed ANNUAL PERCENTAGE RATE of 9.90%) until the promotional balance is paid in full. If minimum monthly payments on your account (including optional insurance/debt cancellation charges) are not paid when due, all special promotional terms may be terminated. Standard account terms apply to non-promotional purchases. Optional credit insurance/debt cancellation charges on your promo purchase are not subject to the promotional terms. Variable APR is 22.98% as of April 16, 2004. Fixed APR of 24.75% applies if the minimum payment is not made within one month of the payment due date. Minimum finance charge is $1.00. Existing cardholders should see their credit card agreement for standard terms. Offer is subject to credit approval by GE Money Bank.

***Payment Estimator Disclosure
The information is an estimate of the amount you must pay per month if you would like to make equal payments to pay off your promotional purchase within the promotional period. This estimate assumes that you do not make additional purchases, that you make the estimated monthly payment on the due date each month, and that you do not incur any additional fees (e.g. voluntary credit insurance, late fees, dishonored check fees, etc). You can always pay more than the estimated monthly payment; the more you pay each month, the quicker the balance will be repaid. Of course, subject to your Credit Limit and other terms in your Credit Card Agreement, you can make additional purchases. Please see your Credit Card Agreement for a full description of the terms governing your account.