Unlock the Power of IBS with Innovative New Products and Features. IBS Product Management Team April 2017

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1 Unlock the Power of IBS with Innovative New Products and Features IBS Product Management Team April 2017

2 IBS Self-Service Onboarding (SSOT) Jenny Badreddine IBS Product Line Manager 2

3 IBS Self-Service Onboarding (SSOT) A new utility within IBS Insight Mass Exchange on steroids Specific focus on onboarding Multiple services at once Group services together Create multiple customers and deposit/loan accounts at once Fund accounts and do simple maintenance Useful for small portfolio acquisitions or niche products 3

4 IBS Self-Service Onboarding (SSOT) Key Features Verify whether the customer on the account to upload is an existing customer Add a new customer if needed Generate account numbers if needed Add new account(s) Add customers to account relationships Pass the customer number to other applications as needed Group correct functions together 4

5 IBS Self-Service Onboarding (SSOT) Benefits Significantly improves the time needed to onboard multiple accounts Familiar spreadsheet technology - no lengthy learning curve to use the tool is required Ease of use - no incremental hardware or software purchase is needed Flexibility - staff can perform the onboarding at one time, or in a phased approach 5

6 IBS Financial Transaction Management (FTM) Marcia Corner IBS Product Line Manager

7 IBS Financial Transaction Management (FTM) Customize standard formatted screens (aka templates) to enter one or multiple dollar transactions that make up a business activity Leverage existing and defined IBS Deposit, IBS Loan and general ledger transactions Entitle users to unique templates based on their roles IBS Financial Transaction Management Deposits Lending General Ledger 7

8 IBS Financial Transaction Management (FTM) Key Features Use one method of entry to post dollar transactions across multiple systems Predefine fields on each template Eliminate cheat sheets of transaction codes and general ledger account numbers Reduce keystrokes Manage workflows when approvals are necessary on specific transactions Enforce a balanced set of entries per each transaction grouping 8

9 IBS Financial Transaction Management (FTM) Benefits Greater data accuracy reduce transaction errors Faster balancing save time reconciling complex transactions Controlling access entitle templates for individual users and business activities Ease of use clearly formatted screen guides user for only authorized, entitled transactions Increased productivity save time entering transactions within multiple applications Paperless banking reduce the use of tickets 9

10 IBS Dashboards Amy Klapper IBS Product Line Manager

11 IBS Dashboards Visualization tool of key banking metrics Intuitive view of bank s performance Grouped in categories and subcategories 11

12 IBS Dashboards Key Features Consistent data points from Deposits, Loans, CIS, and General Ledger are analyzed and displayed Loans past due Deposit accounts, closed Deposit accounts, opened with average new account balances Top overdrawn accounts General ledger loan to deposit ratios Channel view of data (ACH, ATM, CeB, BeB, Mobile Banking, Teller) Transactions by channel estatement tracking and monitoring for adoption rates or campaigns Drill down capabilities via reports for a deeper dive of information 12

13 IBS Dashboards Benefits Quick, at a glance, visualization of bank performance Easy to use pre-defined library of key metrics common for a bank Reduces time fast and efficient query functions Flexible can filter data on what is important to you Direct access to data if need to drill down further, access is right at your fingertips Easy to use tool for the day-to-day manager or executive management 13

14 IBS Loans Account Line of Credit (ALC) Carl Bahneman IBS Product Line Manager

15 IBS Loans Account Line of Credit (ALC) ALC is a multi-purpose line of credit Leverages the architecture of the Total Line of Credit (TLC) product Multiple fixed rate notes underneath an account Card and/or check access Adds functionality common to credit card products Consumer focused and Reg Z compliant Gives you another tool to help you compete in your market Provides a total customer view of the various loans in this relationship Ability to pay the loan to maximize efficiency and mitigate risk 15

16 IBS Loans Account Line of Credit (ALC) Key Features New automated repayment conversion The Repay Auto Conversion profile contains specific terms regarding the repayment term, payment method, interest rate as well as frequency of rate and/or payment changes for the auto conversion process. New statement (R6087) created to support the account level billing of the ALC Enhanced account billing option The Account Payment Profile segment will dictate how account payments will be posted to an ALC account if the payment amount is either less than or in excess of the billed amount. The account payment profile facilitates the application of the new horizontal payment processing. Support for grace period calculation If the revolver on the ALC structure is grace eligible, a dollar amount is identified that needs to be paid on or before the due date to have interest billed not required to be paid. 16

17 IBS Loans Account Line of Credit (ALC) Benefits No additional cost Expand your competitive product offerings Meets federal compliance guidelines One detailed bill for all loans under the line Provides greater automation and flexibility Conversion from draw to repayment Account payment processing/payment options Increase usage of lines through new functionality Saves your organization time by not requiring further underwriting for fixing the rate on all or a portion of the borrowings Reduces paperwork and overhead required for future borrowings 17

18 IBS Mobile Banker Origination (MBO) Fanny Miner IBS Product Manager

19 IBS Mobile Banker Origination 19

20 IBS Mobile Banker Origination Key Features Fully integrated product catalog offers capability to open products from any branch location of choice Commercial and Retail accounts supported Ability to customize account opening workflow (rules, fields, drop-downs, etc.) to fit your business requirements/needs E-Sign, & Archive forms Ability to send account opening to desktop Origination for exception handling 20

21 IBS Mobile Banker Origination Benefits Highly scalable - broaden and penetrate new markets regardless of geographical location Differentiate your bank in the marketplace bid farewell to queueing Improve the account-opening process by simplifying data entry, managing documentation and disclosures via paperless e-signature processes while maintaining focus in an ever-changing regulatory environment Accurate and consistent, private and secure information 21

22 IBS SmartSign Robb Pinegar IBS Product Line Manager

23 IBS SmartSign Remote esignature capture extending customer signature options and customer flexibility The ability to capture esignatures from one or multiple parties whether in person or remote! 23

24 IBS SmartSign Key Features Captures and manages esignatures outside the bank Disclosure and Consent IBS SmartSign records customer disclosure delivery and consent to conduct electronic transactions, conforming to the requirements of the Uniform Electronic Transaction Act (UETA), and the Federal Electronic Signatures in Global and National Commerce Act (ESIGN). Customized Communications Banks can customize signing request s to customers with their logo, text and additional information Supports esignature capture through following methods: Computer Signature pad (Topaz) Smart phone Tablet 24

25 IBS SmartSign Benefits Reduce time for new account opening Increase security around multiple signature requirements Decrease operational expense and errors Enable paperless banking workflows Archive signatures automatically which improves audit responsiveness and efficiency Improve the customer s origination and servicing experience Mitigate risk through workflow management to ensure all necessary signatures are accounted for 25

26 IBS Sales Management Dashboards Marc Wall IBS Product Line Manager

27 IBS Sales Management Dashboards Available to IBS Sales Management clients as additional add-on Targeted at managers and executives Helps visually track key sales, performance, pipeline, and activity metrics and trends Supported by detailed underlying reports for further analysis 27

28 IBS Sales Management Dashboards Key Features Daily visualizations of information related to sales requests, products, calls, and prospects Drill down into underlying WebIntelligence reports for more detail (interactive viewers) Define and save filters, change chart types to meet user needs Comprehensive dashboards and charts covering: Pipeline open requests, won requests, overdue requests, probability to close, prospect to customer Won / lost won sales, lost sales, top 10 products won Referrals top 10 employee referrals made, top 10 employee referrals won, average time referral to close Campaigns open requests by campaign, won requests by campaign, opened vs. lost by campaign Activity volume by activity type, Call Requests - calls made current month / prior month, calls with expired recall dates, calls by type, calls by campaign 28

29 IBS Sales Management Dashboards Benefits Provide broad access to sales information that is easy to understand and consume Gather insights and uncover underlying trends Effectively manage and track pipeline and opportunities Track and monitor sales performance across organization Recognize and reward employees for sales and referrals Pinpoint and address sales related issues or problems Improve sales productivity and efficiency 29

30 Thank You IBS Product Management