THE LEADING PROVIDER OF COMPLIANCE-GRADE SOFTWARE AND GEOCODING

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2 RATA Associates, LLC RATA Associates, LLC THE LEADING PROVIDER OF COMPLIANCE-GRADE SOFTWARE AND GEOCODING RATA Associates was founded in 1987 with the primary goal of providing the financial services industry with a cost-effective software and service solution specifically designed to reduce the time, cost and compliance burdens associated with the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) reporting requirements. John R. Woloshen RATA Associates, LLC founder and Chief Executive Officer John R. Woloshen is highly experienced in HMDA/CRA compliance, banking software and software development in general. His success has been achieved through applied creativity, hard work, attention to detail and an uncompromising insistence on doing the job right. John s dedication to quality has resulted in a consistently high level of customer satisfaction with all of RATA s products and services. Before founding RATA Associates, John held executive positions with The Bendix Corporation and American Management Systems. John A. Woloshen Executive Vice President/COO John A. Woloshen joined RATA Associates in 1989 as VP of Sales and Marketing. For more then 10 years John was in charge of marketing RATA s DOS compliance software, overseeing the geocoding services department, maintaining 3rd party relationships, and managing various aspects of the business. In October of 2000, John was promoted to Executive Vice President/COO and was placed in charge of all operations. Since that time, RATA has re-established itself as the technology leader in the Regulatory Compliance arena. RATA s attention to detail and quality of products is a direct reflection of both John and his father s family ethics, values and commitment. John earned a BS degree in finance from Richard Stockton College, NJ and has attended continuing education programs throughout his tenure.

3 RATA Comply Cutting-Edge User Interface Comply has been designed to look and feel like industry-standard office applications, so that users are up-to-speed in no time. RATA Comply WHY JUST REPORT WHEN YOU CAN COMPLY Process-Oriented Approach Comply has been designed to use an event-driven process to track your LAR data through its compliance lifecycle. RATA Enterprise Reliability Advanced Quality Assurance and testing processes have been utilized to ensure that the software is trouble-free. Built on the.net Framework Comply is built on Microsoft s advanced.net Framework and leverages its next-generation performance and flexibility. Advanced Database Design Comply utilizes Microsoft SQL Server, which provides extensive performance and scalability advantages over competing technologies.

4 Import Wizard Import Wizard IMPORTING LOAN DATA HAS NEVER BEEN EASIER Comply uses a Wizard approach for most aspects of the system to ensure that you get the results intended. With the system s Import Wizard, you are guided through the process of importing your applications from any origination system. Define Your Data Import Comply allows you to create Import Definitions which define how an origination file should be imported into the system. This saves you time when importing data because all files are handled properly and consistently. Multiple Import Methods Provide Flexibility The intelligent Import Wizard provides options for how the files should be imported. Users can select the following options alone or in combination: Add new applications Update existing applications Delete applications Data Integrity Checks The Import Wizard analyzes the data being imported and provides the user a summary to confirm the actions performed. The entire process is designed to take the complexity out of importing your LAR data.

5 Export Wizard Export Wizard USE YOUR LAR DATA IN OTHER SYSTEMS The Export Wizard guides you through the process of creating a file that may contain any LAR, geographic and demographic data from the Comply system in a variety of formats. This allows you to use your LAR data in other systems for additional analysis, reporting or other data manipulation. Define Your Data Export Export Definitions allow you to define what data is exported from the system. Any or all system fields can be selected for export.

6 Editing Applications Editing Applications EDIT YOUR LAR DATA IN A VARIETY OF WAYS With Comply, editing your LAR data couldn t be easier. You can edit your data using a variety of methods. The software allows for manual changes, partial updates using data imports, global changes of filtered subsets and imports of Comply EC corrections from individual branches. Single-Application View / Datagrid View Users have the option of viewing their data in the standard Single-Application View or in the Datagrid View with the ability to easily sort and organize their data with the familiar look and feel of a spreadsheet. Multi-User Capability Because of the Enterprise nature of Comply, depending on your configuration, multiple users can edit data at the same time to increase efficiency and spread out the work load. Event History The Event History keeps track of user activity so that the system administrator can track key changes that have been made to the system.

7 Edit Checks Edit Checks FULL ADHERENCE TO FFIEC EDITS A core function of Comply is adherence to the FFIEC Quality and Validity edit check rules. The XML-based edit check engine ensures full compliance to all published guidelines and allows for easy updating based on regulatory changes. QCOK Quality Issues A common problem with Quality edit checks is the fact that many are correct and cannot be eliminated. To solve this, you can use Comply s advanced QCOK functionality to verify these edits as correct and remove them from future edit reports. Distribution of Edit Check Reports Filtered edit reports may be exported in hard copy or electronic form for distribution to branches. Corrections made with RATA s Comply EC software can be easily imported back into the system to eliminate manual adjustments.

8 Filtering Filtering EXTENSIVE SEARCH AND FILTERING CAPABILITIES With Comply, it has never been easier to filter and search through your LAR data. Data Manager Filter your data by Reporting Entity, Region(s) or Branch(es). Time Filter View your LAR data by month(s), quarter(s) or any custom date range. Quick Find Find your applications based on a single LAR field and value. Field Filters Easily create queries using multiple LAR fields and logical conditions. Advanced Filter Wizard Granular search capabilities based on multiple select criteria. Save Filters The Comply system allows you to save Field Filters and Advanced Filters so that they can be easily accessed at a later time. No need to redefine complex criteria.

9 Wizards Wizards IMPORT / EXPORT / FILTER / REPORT / MAP / SUBMIT Comply s Wizards guide you through multi-step processes, eliminating user error. Whether you are Importing, Exporting, Filtering, Reporting, Mapping or Submitting, you are only a Wizard away from your desired result.

10 Geocoding Geocoding SEAMLESS ACCESS TO COMPLIANCE-GRADE GEOCODING Comply offers seamless access to GeoPlus, RATA s premier Compliance-grade geocoding solution for Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) reporting requirements.

11 The Geocoding Process in Comply WEB SERVICES MAKE IT A SNAP RATA s premier GeoPlus Compliance-grade geocoding service has proven itself to be the industry standard. GeoPlus affords an economical means of obtaining the highest quality geocoding results possible. By using a multitude of geocode data sources, CASS certified automated standardization, as well as, highly trained geocoding personnel to manually standardize and interactively correct the difficult addresses, GeoPlus ensures that the best quality result is returned for every address. GeoPlus Guaranty In the event you are audited and geocode data provided by RATA is called into question, RATA will provide processing documentation and substantiate the results returned. RATA is so confident in the quality of the GeoPlus results that it is backed by the $50,000 GeoPlus Guaranty. Seamless Integration Comply offers seamless integration with GeoPlus. When exporting data for geocoding, eligible address data is encrypted using 128-bit AES encryption algorithms and transmitted to RATA s geocoding server. Once geocoding has been completed, Comply s live update feature will retrieve, update and complete the geocoding process.

12 Analysis Analysis MAKING SENSE OF IT ALL Analyzing your HMDA/CRA information has never been easier. With Comply s advanced reporting functionality, critical reports and statistics are only a few clicks away. FFIEC Disclosure Tables Official Regulatory Reports Loan Summary Reports Custom Tables Reports Charts and Graphs Peer-2-Peer Analysis Performance Evaluation (PEV) Reports

13 Mapping Mapping A PICTURE IS WORTH A THOUSAND WORDS Comply s powerful mapping engine allows you to create a variety of maps to illustrate lending patterns and trends. Map features within Comply can be customized to suit your individual requirements. Geographic Service Areas Define Geographic Service Areas or Official Assessment Areas to the tract level and illustrate the associated income or minority levels. Application Dispersion Mapping Using the Geographic Service Area as a base, loan information can be plotted as a thematic layer. Single Application Mapping Property location for a single address is highlighted on a street-level map.

14 Submission Submission CHECK TWICE, SUBMIT ONCE Comply uses a Wizard approach for the submission process to facilitate a 100% successful submission of your LAR data on the first try. By using preemptive logic and a guided path, the Comply Submission Wizard prevents routine mistakes and the possibility of submitting erroneous data. Check One The Pre-Submission Sentry quickly audits your LAR data to ensure that four key elements required for submission have been successfully completed. If any of these elements fail, the submission is postponed until corrections are made. Check Two As the Submission Wizard guides the user through the process, the user is required to acknowledge that key steps have been completed prior to creation of the submission file. These virtual checks are recorded in the Event History to provide accountability. The FFIEC encryption engine has been integrated into Comply. This eliminates the need to use any programs outside of Comply to complete the submission process and ensures that your data is safe to submit via or other delivery methods.

15 Enterprise Features Enterprise Features SCALABLE, RELIABLE AND FLEXIBLE Due to the scalable Enterprise design architecture of the Comply software, it can be easily tailored to any institution regardless of size and/or configuration. Whether utilized as a single or multi-user tool, Comply can efficiently and reliably solve your compliance needs. User Types The Comply administrator can assign various User Types based on the user s responsibilities. These User Types include: Administrator, Power User, Standard User and Analysis User. Scalability Comply can be installed as a Desktop, Client/Server or Business Server configuration to meet an institution s needs.

16 Customer Support Customer Support THE GLUE THAT HOLDS IT TOGETHER RATA Associates strongly believes that a software solution is only as good as the support behind it. RATA strives to exceed the customers expectations in every way. To meet this challenge, RATA supports Comply in multiple ways. Telephone Support RATA Associates prides itself in providing top-notch telephone support. When you call for support, you will always talk to a person that can evaluate your issue and find the best support resource to deal with your situation. Fast and efficient responses by qualified people! On Site Training For larger institutions that would like a more personal touch, RATA is proud to offer on site training. These one or two day events can be customized to meet your institution s unique operational methods. Annual User Conference They say that it all comes down to the RATAtude, and the best place to experience the true RATAtude is at the Annual RATA User Conference. The User Conference offers training, networking and client input into new features and future development paths.

17 Customer Support Comply Support Web Site The RATA Comply web site has been designed to be both informative and productive. On the support site, you will find Technical Information, Questions and Answers, Resource Documents, Product Downloads and much more... This is one web site that you will definitely want to add to your Favorites! Web-Based Training Although the Comply software is extremely easy to use, RATA offers free web-based training to help you get the most value out of your system. Training is hosted by a qualified instructor and is facilitated in real-time using a web-based demonstration software. Basic, Intermediate and Custom courses are available.

18 System Configurations System Configurations IMPLEMENTING THE RIGHT SOLUTION Whether your institution is large or small, high volume or low volume, centralized or decentralized, there is a Comply system to perfectly meet your needs. We know that every institution is different, and therefore, has slightly different needs. Our technical staff will gather information from both your Compliance and IT departments to help you figure out the best configuration for your unique needs.

19 System Requirements System Requirements WHAT S NEEDED TO RUN COMPLY Desktop Version: Client PC For use with: Comply Lite / Standard / Professional System Hardware Requirements Processor: 800 MHz GHz Intel Pentium III-class Minimum; 2.0 GHz Pentium 4 or higher Recommended Memory: 512 MB RAM Minimum; 1 GB RAM Recommended Display: 800 x 600, 256 colors Minimum; 1024 x 768 or higher-resolution, 32-bit color Recommended Hard Disk: 1.5 GB of available hard disk space Minimum; 2 GB Recommended Drive: CD-ROM or DVD-ROM drive Mouse: Microsoft Mouse or compatible pointing device Network: WAN/LAN connectivity to Host PC: 256 Kbps Minimum; 100 Mbps Recommended Internet Internet functionality requires access to dial-up or broadband Internet access System Software Requirements OS: Microsoft Windows 2000 with SP4, Windows XP Professional with SP1 or later Other: Microsoft.NET Framework v1.1 (included with Comply installation) Desktop Version: Host PC For use with: Comply Lite / Standard / Professional System Hardware Requirements Processor: Memory: Display: Hard Disk: Drive: Mouse: Network: Internet 800 MHz GHz Intel Pentium 4-class Minimum; 3.0 GHz Pentium 4 or higher Recommended 512 MB RAM Minimum; 1 GB RAM Recommended 800 x 600, 256 colors Minimum; 1024 x 768 or higher-resolution, 32-bit color Recommended 2.5 GB - 5 GB of available hard disk space Minimum; 4 GB - 15 GB Recommended CD-ROM or DVD-ROM drive Microsoft Mouse or compatible pointing device If serving remote clients: 10 Mbps Ethernet Minimum; 100 Mbps Recommended Internet functionality requires access to dial-up or broadband Internet access System Software Requirements OS: Microsoft Windows 2000 with SP4, Windows XP Professional with SP1 or later Database: Microsoft Data Engine 2000 (MSDE; included with Comply installation); SQL Server Optional Other: Microsoft.NET Framework v1.1 (included with Comply installation) Client / Server Version: Server For use with: Comply Enterprise Lite / Enterprise Std. / Enterprise with Business Server System Hardware Requirements Processor: 2.0 GHz GHz Intel Pentium 4-class Minimum; Dual 3.0 GHz Intel Xeon or higher Recommended Memory: 2 GB - 4 GB RAM Minimum; 2 GB - 8 GB RAM Recommended Display: 800 x 600, 256 colors Minimum; 1024 x 768 or higher-resolution, 32-bit color Recommended Hard Disk: 5 GB - 25 GB of available hard disk space Minimum; 30 GB GB Recommended Drive: CD-ROM or DVD-ROM drive Mouse: Microsoft Mouse or compatible pointing device Network: 10 Mbps Ethernet Minimum; 100 Mbps Recommended Internet Internet functionality requires access to dial-up or broadband Internet access System Software Requirements OS: Microsoft Windows 2000 Server with SP4, Windows Server 2003, or later Database: Microsoft SQL Server 2000 Other: Microsoft.NET Framework v1.1 (included with Comply installation)

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