Welcome to Intelligent Banking Solutions, Inc.

Welcome to Intelligent Banking Solutions, Inc. Collections and Asset Recovery Solutions Since 1989 IBS Introduces CARM-Pro One User or 100, we’ve got you covered with our great software and great support CARM-Pro is the powerful next-generation IBS Debt Management software developed for collection and recovery industries across the US. Why CARM-Pro?       Faster Easier to use Easier to configure More powerful User satisfaction IBS superior technology Collections Software for the future 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  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. ARM-Pro is the Asset Recovery Module 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. Together, ARM + CMS equals CARM-Pro 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. 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 • • 2 1 The Main screen utilizes 3 Windows for Data, Relationships, Events. 3 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… Tabs open more views To access additional Account information when you need it. 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. We help you set up these views so they relate to your language and contain vital information. Search 5 Ways Search Name Account Number Customer Number Phone Number SSN or TIN 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. 1 of 3 Journal Entry Options  Select from a drop-down pick list 2 of 3 Journal Entry Options  Type in a custom journal Typeitin long as you a custom entry- make as like, 1000’s of characters long entry 3 of 3 Journal Entry Options Journal messages can be automatically Automatic journal message entered for you just by selecting from specified activity such as sending a letter, placing a call, etc Sending a letter is so easy, you will be amazed … click! At How Many More Letters You Will Be Sending Out. Sending Letters Select your own letters from a dropdown 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. 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. • • 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 Hardware/Software Requirements  SQL Server™ – over 10 users and CARM-Pro Server Tools (Client is required to provide Microsoft SQL Server server 128MB RAM (256 recommended) and client access licenses/software) Less than 5 Users4 GB hard drive or larger, 500 MB hard disk space available MSDE 2KX  Windows 2000 Data center Server or Higher CD-Rom or DVD Drive  Pentium processor 300mhz or higher Monitor super VGA (800x600), or higher Tape backup,  Microsoft .NET Framework v1.1recommended Microsoft Internet Explorer 6.0 (SP1) or higher Network card, Mouse or Pointing Device 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 Work List Selections Toggle Collectors WorkList User Preferences 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. Advanced IT Information Your new software is delivered already set up and configured with your accounts, your views and preferences, your letters, and reports. Central Administration Configurations Central Administration Assignments & Filters Assignments and Filters Advanced Filters….. Account Assignments…. Run Account Assignments Central Administration Security Security User Status… User info… User Licenses Standard Reports CARM-Pro Standard comes with 25 standard reports… At IBS we are committed to quality, training, and service 25 Standard Reports plus any you can dream of… Account Summary by Accounts by Type Officer Report Collector Activity Report Collector Queue Totals Report Accounts by Delinquency Category Delinquency Category Special Status Accounts Accounts by Type Summary Officer Report with Phone Numbers Officer Summary Chart Officer Summary Accounts by Month of Delinquency Accounts Summary by Month of Delinquency ARM - Detail Report ARM - Summary by Date Report ARM - Charge-off by Date Report ARM Transactions Debit/Credit grouped by ARM - Transactions grouped by Account ARM - Account History Report Custom Reports …Unlimited Services Updates Support Training Configure Contact our top-notch professional team: 8:30AM-5:00PM Monday thru Friday (EST): 603-526-4358 ext.210 Support@ibshome.com Support “Our IBS system is a luxury compared to other systems I have used.” K. Chickvara, Peoples Community Bank, Panama City, FL. “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. “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. “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. Providing annual user support and new software updates Training 1,2, or 3 1. Web Based 2. At IBS Facility 3. At Client “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. “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. Business Partners BISYS COCC FISERV- FIS FISERV-SouthWest FISERV- Summit IPS-Sendero RDSI Texas National Bank Our national direct sales activities are complemented by a library of partners who integrate IBS solutions within their core banking systems. Goldleaf Technologies Noble Systems PSC Information Group Smart Step Solutions, Inc. Westshore Data Current Interfaces 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 COCC Insight Costar (CSC) Eastpoint Tech. EDS Premier EQUIFAX First American Data (FADS) Fiserv Aftech Fiserv CBS Fiserv CL Fiserv FIS Galaxy Starcom Summit UFS Users Vision ICSI OSI DDA Intercept OSI Loan Intrieve Utility ITI DDA Oracle ITI Loans PCS Vision J.Henry Phoenix 20/20 DDA JHenry/SVLKPhoenix JHA Loans Peerless21 RDSI (ITI) Kirchman XP Systems D3000 If we don’t have it, the IBS technical team can build interfaces to almost ANY system anytime. Updates IBS is committed to bringing you value and quality service by continuously improving our products.  New releases of CARM-Pro will be available to you at no additional charge  CARM-Pro is the baseline product for all future development CARM-Pro Ask us about our exciting introductory promotion www.ibshome.com IBS: The intelligent collections alternative Contact us: sales@ibshome.com Optimize your ultimate collections power today. sales@ibshome.com