Welcome to Intelligent Bank ing Solutions, Inc.

1. Welcome to Intelligent Banking Solutions, Inc. Collections and Asset Recovery Solutions Since 1989 We hope you enjoy your visit, and encourage you to please contact us directly if you have any questions, comments, or suggestions.

2. One User or 100, we’ve got you covered with our great software and great support IBS IntroducesCARM-Pro CARM-Pro is the powerful next-generation IBS Debt Management software developed for collection and recovery industries across the US.

3. Why CARM-Pro? • Faster • Easier to use • Easier to configure • More powerful • User satisfaction • IBS superior technology Collections Software for the future

4. CARM-Prois based on outstanding functionality with these benefits: Modular User Interface 32-bit architecture SQL database engine Enhanced end-user configurable enhancements, features and improvements described in detail during this presentation

5. CMS-Pro is the preferred choice by collections professionals looking for the rich functionality and ease of use in a familiar Windows environment. Provides complete management reporting to track productivity and performance. IBS remains your debt management partner as your organization grows.. IBS clients are in 43 states + D.C., with over 1,200 users.

6. ARM-Pro is the Asset Recovery Module Together, ARM + CMS equals CARM-Pro ARM was developed to work in tandem with our Collection Management System, CMS, to provide complete and comprehensive collections used by collection specialists and delinquent account management.

7. What is the IBS Asset Recovery Manager-Pro(ARM), and why should I be interested in it? If you have charged-off accounts, bankrupt customers, special asset accounts, Other Real Estate Owned by your financial institution, or any special asset that requires financial service tracking, ARM may be just what you are looking for.

8. CARM-Pro combines the best of both worlds • For a powerful and flexible organizational solution specifically designed for debt management that automates and tracks every task associated with the collection of delinquent accounts. • A total delinquent account management system provides complex recording of account activity • Developed by industry specialists

9. 1 2 The Main screen utilizes 3 Windows for Data, Relationships, Events. 3

10. Easy to use screens User-friendly layout is delivered with your views and preferences- Now you can track and control delinquent accounts no matter how complex they have become…

11. Tabs open more views To access additional Account information when you need it.

12. Bankruptcy and other information can be accessed by clicking open these tabs to keep you focused on your work so you can make intelligent collections assessments.

13. We help you set up these views so they relate to your language and contain vital information.

14. Search 5 Ways • Search Name • Account Number • Customer Number • Phone Number • SSN or TIN

15. Journal Messages Permanently. Every activity is tracked easily and routinely- everything you need to know about what has happened in this account is all right here.

16. 1 of 3 Journal Entry Options • Select from a drop-down pick list

17. Type in a custom entry 2 of 3 Journal Entry Options • Type in a custom journal entry- make it as long as you like, 1000’s of characters long

18. Automatic journal message 3 of 3 Journal Entry Options Journal messages can be automatically entered for you just by selecting from specified activity such as sending a letter, placing a call, etc

19. Sending a letter is so easy, you will be amazed … click! At How Many More Letters You Will Be Sending Out.

20. Sending Letters Select your own letters from a drop-down box. You tell us what fields you want to fill in the blanks. These are familiar Word-Documents queued in a mail-merge, we recommend that you print these later and keep working. You can go back in and edit or change them anytime.

21. Assignments and Additional Work Lists • CARM-Pro Queues a group of associated accounts. • A collector can have one queue, multiple queues, or multiple collectors can share the same queue. • A collector can select his/her worklists to work dynamically according to compliance and internal policies. • IBS Administrator training teaches you how to use the queue and work list builder.

22. Advanced Functionality • CARM-Pro Queues a group of Integrated Internet browser Window • www.ibshome.com immediate access • letter launching via tool bar (select and go) • standard message selection via tool bar, • select and go • standard message selection via tool bar, mouse click or speed keys

23. Hardware/Software Requirements • 128MB RAM (256 recommended) • 4 GB hard drive or larger, 500 MB hard disk space available • Network card, Mouse or Pointing Device • CD-Rom or DVD Drive • Monitor super VGA (800x600), or higher • Tape backup, recommended • Microsoft Internet Explorer 6.0 (SP1) or higher • SQL Server™ – over 10 users and CARM-Pro Server Tools (Client is required to provide Microsoft SQL Server server and client access licenses/software) Less than 5 Users- MSDE 2KX • Windows 2000 Data center Server or Higher • Pentium processor 300mhz or higher • Microsoft .NET Framework v1.1

24. Hardware/Software Requirements for less than 10 Users SQL Server – under 11 users: MSDE (Microsoft Desktop Engine) (can be used for less than 11 users, when installed by IBS) and CARM-Pro Server Tools Can be used for 10 or less users use if the database is less then 2Gigabytes in size. This is a freely distributable (by IBS) desktop version of Microsoft SQL Server 2000 with the above restrictions and no GUI front end to manage the SQL server. No Minimum required, start with 1 License and grow

25. Toggle Collectors WorkList Work List Selections

26. User Preferences

27. Advanced IT Information Your Computing Environment may affect CARM-Pro import speed. You do not need a designated server to run our software, but by all means ask one of our experienced technical people if you run into capacity constraints.

28. Advanced IT Information Your new software is delivered already set up and configured with your accounts, your views and preferences, your letters, and reports.

29. Central AdministrationConfigurations

30. Central AdministrationAssignments & Filters Assignments and Filters Advanced Filters….. Account Assignments…. Run Account Assignments

31. Central AdministrationSecurity Security User Status… User info… User Licenses

32. Standard Reports CARM-Pro Standard comes with 25 standard reports… At IBS we are committed to quality, training, and service

33. Collector Activity Report Collector Queue Totals Report Accounts by Delinquency Category Account by Delinquency Category Summary Special Status Accounts Accounts by Type Accounts by Type Summary Officer Report Officer Report with Phone Numbers Officer Summary Chart Officer Summary Accounts by Month of Delinquency Accounts by Month of Delinquency Summary ARM - Detail Report ARM - Summary by Date Report ARM - Charge-off by Date Report ARM - Transactions grouped by Debit/Credit ARM - Transactions grouped by Account ARM - Account History Report 25 Standard Reportsplus any you can dream of…

34. Custom Reports …Unlimited

35. Configure Services Updates Training Support Contact our top-notch professional team: 8:30AM-5:00PM Monday thru Friday (EST): Support@ibshome.com 603-526-4358 ext.210

36. Support “I called on Monday with a problem and the support person was very helpful and friendly. Then on Tuesday, she called back just to see how things were going. Now that’s truly impressive support!” M. Mitchell, CB Bank, Osage Beach, MO. “Our IBS system is a luxury compared to other systems I have used.” K. Chickvara, Peoples Community Bank, Panama City, FL. “As you are aware, there are people (yours truly included) who are not computer literate. Therefore, finding IBS CMS/ARM systems was like a prayer answered.” A. Stogdale, FCNB Bank, Frederick, MD. “Great people to work with. I deal with three other software providers on a regular basis and I know I can always get a prompt and helpful reply from IBS.” C. Waller, SB Utica, Utica, NY. Providing annual user support and new software updates

37. Training 1,2, or 3 “We have always been extremely pleased with the CARM product and customer support is excellent. Training at your facility was more productive for me because there were no daily distractions.” S. Wright, N. American Savings Bank, Grandview, MO. 1. Web Based 2. At IBS Facility 3. At Client “The User/Admin training was great! It was an opportunity to meet the staff of a very friendly, helpful and professional organization.” C. Talerico, Country Bank, Ware, MA. Our professional instructors will thoroughly train your collections staff or administrator within 1 to three days, ensuring your success. Letters and reports are completed prior to the training visit.

38. Business Partners Our national direct sales activities are complemented by a library of partners who integrate IBS solutions within their core banking systems. BISYS COCC FISERV- FIS FISERV-SouthWest FISERV- Summit IPS-Sendero RDSI Texas National Bank Goldleaf Technologies Noble Systems PSC Information Group Smart Step Solutions, Inc. Westshore Data

39. Current Interfaces COCC Insight Costar (CSC) Eastpoint Tech. EDS Premier EQUIFAX First American Data (FADS) Alltel Horizon Aurum DDI Aurum Miser Aurum Premier Banker System BISYS TotalCS BISYS/CL DW BISYS TotalPlus DDA,IL,ML Cardinal Systems CUSA Certigy COCC Host ICSI Intercept Intrieve ITI DDA ITI Loans J.Henry 20/20 JHenry/SVLK JHA Peerless21 Kirchman D3000 OSI DDA OSI Loan Utility Oracle PCS Vision Phoenix DDA Phoenix Loans RDSI (ITI) XP Systems Fiserv Aftech Fiserv CBS Fiserv CL Fiserv FIS Galaxy Starcom Summit UFS Users Vision If we don’t have it, the IBS technical team can build interfaces to almost ANY system anytime.

40. Updates • New releases of CARM-Pro will be available to you at no additional charge • CARM-Pro is the baseline product for all future development IBS is committed to bringing you value and quality service by continuously improving our products.

41. CARM-Pro Ask us aboutour exciting introductorypromotion www.ibshome.com IBS: The intelligent collections alternative Contact us: sales@ibshome.com Optimize your ultimate collections power today. sales@ibshome.com