CELTS

1. Efficiency Tools, Inc. P.O. Box 117764 Carrollton, Texas 75011 7764 Phone 972 672-6407 CELTS CELTS CELTS CELTS Collection Exchange & Loan Tracking System Let Efficiency Tools help you save some time.

2. CELTS is an enterprise level application capable of supporting multiple sites or single locations. CELTS is modular which allows you to purchase only the components you want to use. This presentation focuses on Collection Items and Floor Plan Tracking. However, the system also includes the following: • Temporary Checks & Loan Coupons • Cashier’s Checks • EFT Dispute Tracking and Resolution • Wire Transfer with BSA Tracking

3. Save time by inputting transaction, customer or correspondent bank information one time and getting all of your proof ready processing documents from that single input Efficiency Tools, Inc. P.O. Box 117764 Carrollton, Texas 75011 7764 Phone 972 672-6407

4. Save recurring customer information or correspondent bank contact information for future use by simply clicking a button on the collection item input screen. After doing that you will only have to key in the first few characters of the customer or correspondent’s short name to pull in all the associated information. Find the customer or bank by typing the first few characters of their short name Save the customer or bank by simply clicking a button while you are inputting a draft

5. Efficiency Tools, Inc. P.O. Box 117764 Carrollton, Texas 75011 7764 Phone 972 672-6407 Position all document output that will be mailed for alignment with your window envelopes so you do not need to print envelopes for any of you letters or notices associated with collection items or floor plans.

6. Use the preprogrammed reports listed below or request changes to reports to meet your needs Enterprise Level Cash Collections Non-Cash Collections Incoming Collections • Cash Collection Outstanding • Cash Collections Authorizations • Non-Cash Outstanding • Incoming Outstanding • Floor Plan Outstanding • Cash Collection Outstanding • Cash Collections Activity • Cash Paid Items • Cash Collection Float & Activity • Non-Cash Collection Outstanding • Non-Cash Collections Activity • Non-Cash Paid Items • Incoming Collection Outstanding • Incoming Collection Activity • Incoming Paid Items • Cashier/Official Checks Issued Floor Plans • Floor Plan Summary/Detail • Floor Plan Activity • Floor Plan Curtailments/Pay off due • Floor Plan Titles on Trust

7. Efficiency Tools, Inc. P.O. Box 117764 Carrollton, Texas 75011 7764 Phone 972 672-6407 While you are saving time, CELTS has these features that help you and your customers avoid losses. • Tracking that compares every cash collection item VIN to all prior cash collections providing notification of any matched items • Tracking that compares every floored item VIN to all prior floored items providing notification of any matched items • Due date monitoring of incoming collection items with daily notice of anything that must be returned or paid • Daily notices of outgoing collection items that are due or over due to be returned • Tracers that can be printed ready to mail to all banks that hold over due collection items • Floor Plan loan agreement curtailment terms and maximum days floored can be loaded into the system for notification and to track compliance

8. This is some of the Bank or Branch information that can be easily changed by authorized users. • Each locations unique contact information • A reprint password required to reprint documents such as Cashier’s checks • Each locations prime rate which can be used to accumulate interest cost associated with each floored item • Each locations cost of funds which can be used to evaluate the cost of float and profitability of each relationship

9. Use forms like these for the following: Efficiency Tools, Inc. P.O. Box 117764 Carrollton, Texas 75011 7764 Phone 972 672-6407 • Designate a bank as a clearing house member so your documents will match what is required for the clearing house • Customize a customer’s service charges collections or floor fees • Change the General Ledger account numbers or tran codes for clearing accounts, fees or cash collections • Setup user’s with profiles that restrict them to the functions in the system you want them to access

10. Specifications and Options • The system can be entirely installed on a local computer and directed to backup the database to a server. • The system can be installed on local computers that are directed through Windows ODBC to a database on a local or remote server. • The entire system can be installed on a single or multiple application servers and the entire program can be run at branch locations through terminal services or via services such as Citrix. • The database used for the system can be as simple as an Access database for small users or Microsoft SQL for larger environments. • If you opt for the Access database environment you will not have to have Access on the computer that is running the database. However, if you are running a Microsoft SQL database, we recommend the full version of SQL server. • The processing documents can be MICR encoded through the use of MICR toner cartridges or you can preprint the MICR on outbound items and rely on the optically read characters. • The system runs under all operating environments from Windows 98 through Windows XP with the exception of Windows ME. It is time to make some decisions

11. Efficiency Tools, Inc. P.O. Box 117764 Carrollton, Texas 75011 7764 Phone 972 672-6407 The History of CELTS Around 1988 a community bank needed help tracking their Cash Collection Items. They were unable to find something to do what they needed. So the President of the bank created a DOS based application to accomplish what he need. When the bank was sold, he decided to rewrite the application and build a company around it. In 1994 Efficiency Tools was founded and began selling a DOS based program that tracked Cash, Non-Cash and Incoming collection items. Since then the application has grown through the early Windows environment to what you see today. In 1996 one of our client banks asked if we could add the capacity to track floor plans. With them servings as our Beta site we added Floor Plans to the system. The capacity to print Temporary Checks and Loan Payment coupons along with Cashier’s Checks was added around 1999. Then in just the last eighteen months we have added two modules partially driven by regulatory change (EFT Disputes and Wire Transfers). The software has been installed in nearly 200 locations and is currently used by banks housed in one location and banks with over 100 branches. Many of our clients have been purchased by the likes of Compass and other large banks. However we still serve over 60 installations with a combined total of over 200 branches.

12. Efficiency Tools, Inc. P.O. Box 117764 Carrollton, Texas 75011 7764 Phone 972 672-6407 Fax 972 492-5860 paultidwell@efftools.com For information about Efficiency Tools or any of our software products contact Paul Tidwell using the information above