Welcome to Intelligent Banking Solutions, Inc'

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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.
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IBS Introduces CARM-Pro?
One User or 100, weve 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.

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Why CARM-Pro??

• Faster
• Easier to use
• Easier to configure
• More powerful
• User satisfaction
• IBS superior technology

Collections Software for the future
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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

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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.
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Together, ARM CMS equals CARM-Pro
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.

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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.

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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

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The Main screen utilizes 3 Windows for
Data, Relationships, Events.
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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
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Tabs open more views
To access additional Account information when you
need it.
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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.
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We help you set up these views so they relate to
your language and contain vital information.
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Search 5 Ways

• Search Name
  

• Account Number

• Customer Number

• Phone Number

• SSN or TIN

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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.
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1 of 3 Journal Entry Options

• Select from a drop-down pick list

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Type in a custom entry
2 of 3 Journal Entry Options

• Type in a custom journal entry- make it as long
  as you like, 1000s of characters long

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

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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

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Hardware/Software Requirements

• 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

• 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

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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
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Work List Selections
Toggle Collectors WorkList
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User Preferences
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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.

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Advanced IT Information

• Your new software is delivered already set up and
  configured with your accounts, your views and
  preferences, your letters, and reports.

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Central AdministrationConfigurations
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Central AdministrationAssignments Filters
Assignments and Filters
Advanced Filters.. Account Assignments.
Run Account Assignments
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Central Administration Security
Security
User Status
User info
User Licenses
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Standard Reports

• CARM-Pro Standard
• comes with 25 standard reports

At IBS we are committed to quality, training, and
service
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25 Standard Reportsplus any you can dream of
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
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Custom Reports

• Unlimited

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Services
Updates
Training
Support

• Contact our top-notch professional team
• 830AM-500PM Monday thru Friday (EST)

603-526-4358 ext.210
Support_at_ibshome.com
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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 thats 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
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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.
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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

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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 dont have it, the IBS technical team can
  build interfaces to almost ANY system anytime.

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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

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CARM-Pro?
Ask us about our exciting introductory promotion
www.ibshome.com
IBS The intelligent collections alternative
Contact us sales_at_ibshome.com
Optimize your ultimate collections
power today.
sales_at_ibshome.com