Feature Focus. Actions. History. Search. Menu Desktop System Management. Collection Queues. Collection Queues Refresh Queues

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1 Account Management Search Actions History Menu System Management Collection Queues Collection Queues Refresh Queues Using the queue screen, the queue refresh can be previewed in a pop-up window allowing you to view the queue changes before they are saved. Account Assignments Account Types Administrative Settings Alerts Archive Data Case Types Categories Cost Centers Exports Field Configurations GL Accounts Hyperlinks Interest Rates NACHA Pending Transactions Share Types Third Party Audit Transaction Codes Users Address Book Collections Collection Queue Refresh Collection Queue Work Ord Collection Queues Promise Approval Recovery Approval Communication Connectors Dialers Groups Solutions Workflow Preview Refresh Auto Days DQ $0.00 $ Auto Days DQ $0.00 $ Auto Days DQ $102, $102, Auto 90+ Days DQ $208, $208, Auto Recovery $ $ Charged Off Credit Cards $ $ Collection Professionals $0.00 $ Credit Card Days DQ $12, $12, Credit Card Days DQ $12, $12, Credit Card Days DQ $1, $1, Credit Card 90+ Days DQ $4, $10, Search Actions History Menu Collection Queues System Management Collection Queues Refresh Queues Preview Refresh Account Assignments Name Account Types Auto Days DQ Administrative Settings Auto Days DQ Alerts Auto Days DQ Archive Data Auto 90+ Days DQ Case Types Auto Recovery Categories Charged Off Credit Cards Cost Centers Collection Professionals Exports Credit Card Days DQ Field Configurations Credit Card Days DQ Active Old Accounts New Accounts % Change Right Account, Right Time A key to improving profitability as a department is being able to efficiently manage all of the accounts that are consistently moving in and out of delinquency. The Akcelerant Framework for provides managers with unprecedented control over account movement and status through advanced queuing and other account management tools. The queuing engine in the Framework is extremely powerful and sophisticated, automating the process of getting the right account to the right collector at the right time. In addition, accounts that need special attention can easily be assigned to any queue, ensuring they are handled by the most qualified individual or group. Queues can be built using nearly every field in the database by any user (who has been given permission) at any time, dramatically reducing dependency on in-house IT staff, and providing managers with unprecedented control over managing risk in their delinquency portfolio. Manage Modify Monitor Manage risk, resources and workload with detailed queue information. Modify any queue criteria, permissions, account sorting or assignment, all in real-time! Monitor your entire department s account workload, all from one screen.

2 Case Management The Akcelerant Framework can be used to create cases and checklists to better manage specialty processes such as bankruptcy (illustrated to the right), foreclosure, fraud, repossession and more. Toolbox Type to filter Bankruptcy - Proof of Claim Bankruptcy - Reaffirmation Bankruptcy - Dates and Flags Bankruptcy Filing Case Flex - Bankruptcy Case Review Co-Filter Documents History Expenses Filter Letter History Meetings Other Creditor Primary Prior Bankruptcy Secondar 1 Tustee Workflow History Area: Collections Case # BK Account Relationships (2 total) Bankruptcy Account # Sabrina Turner Bankruptcy - Chapter 7 Account # Sabrina Turner Summary Checklist Account Relationships Workflow History Summary Checklist Account Relationships Workflow History Save Print Completed Section Item Completed Date Completed By Workflow Primary Owner: Sabrina Turner Created By: Jeffrey Brown Secondary Owner: Created On: 4/25/2009 9:06:20 AM Last Review: 7/1/ :00:00 AM Related Accounts 7/12/ :52:19PM Kurt Wagner Idenify all accounts affected by the filing Next Review: 7/2/ :00:00 AM Move Accounts to Bankruptcy Queue 4/25/ :36:51AM Jeffrey Brown Confirm that all affected accounts have been removed from regular queues and moved to the Bankruptcy queue. Stop Mail 4/25/ :37:22AM Jeffrey Brown Flag all affected accounts to ensure that no mail is sent Cancel Credit Lines 4/25/ :37:53AM Jeffrey Brown Cancel credit lines for all accounts affected by this filing Post Petition Advances 4/25/ :38:22AM Jeffrey Brown Recent Comments Determine whether or not there has been any credit advance activity on any affected account since the date of the bankruptcy filing Date User Comments Co-Signer 4/25/ :38:45AM Jeffrey Brown Determine whether or not there is a co-signer for any of the affected accounts, and 07/01/ :51 PM Kurt Wagner whether or not they are a party to the filing. 06/11/ :04 AM Jeffrey Brown Filed Proof of Cla Automatic Drafting 4/25/ :30:50AM Jeffrey Brown Cancel any existing automatic drafting from or to any account affected by this filing 06/03/ :35 AM Jeffrey Brown Sent form to back Collateral Determine whether or not the affected accounts are secured or unsecured 05/25/ :22 AM Jeffrey Brown Uploaded Meeting Right of Set-Off 4/25/ :39:25AM Jeffrey Brown 05/20/ :19 PM Jeffrey Brown Meeting of Credito Determine whether or not there is a Right of Set-Off for any of the accounts affected by the filing 05/04/ :09 AM Jeffrey Brown Added Trustee in Tools 04/28/ :37 AM Jeffrey Brown 04/28/ :32 AM Jeffrey Brown 04/25/ :38 AM Jeffrey Brown 04/25/ :37 AM Jeffrey Brown 04/25/ :37 AM Jeffrey Brown Post Comment Uploaded Volunta Upliaded Notice o Meeting of Creditors 5/20/ :19:59PM Jeffrey Brown Determine whether or not to attend te scheduled meeting Attend Meeting of Creditors 6/02/ :25:18PM Sally Host Attend meeting of creditors Schedules Requested 6/03/ :46:30AM Jeffrey Brown Requested copies of filer schedules from court Schedules of Received Copies of requested schedules received from court Fraud/No Fraud Following review of schedules and original account documents, determine whether or not there have appear to have been any fraudulent submissions by filter Attorney Assignment Bankruptcy assigned to attorney for lender Manage Specialty Processes The Akcelerant Framework includes complete case management functionality used to streamline specialty process such as bankruptcy, foreclosure, fraud and repossession. Through the use of customizable screens and hundreds of specialized fields, the Framework ensures your staff can easily locate key case information including expenses, appraisals, court appearances and third-party legal or agency contacts. Once configured, accounts can be linked to cases for easy tracking. Customized checklists with attached workflows can also be created to match a financial institution s individual process. In addition, the Framework allows you to dive deeper into case management through integration with industry-leading service providers and Akcelerant connectors. Examples include the Banko (bankruptcy notifications) and SWBC Loss Mitigation (repo/remarketing data) connectors. Bankruptcy Repossession Other Processes Over 150 case-level fields and four extra screens are included for bankruptcy. For repossession, two specialized screens and over 200 fields are included. Additional case-level fields are also available to support OREO, foreclosure and fraud.

3 Collector Workspace Toolbox Last Update: 4/3 Alerts (2) Area: Collections Queue: (No Queue Selected) Read Only(rwatson) A fluid user interface allows collectors to control the workspace screen layout, while managers can determine which fields will be visible to collectors. Type to filter Account Information Account Relationships Address History Auto Details Banko Matches Collateral Detail Consumter Credit Counseling Decreased Detail Default Flex (Case) Delinquency Detail Documents History Expenses Fiserv Prep Data Fraud Judgment Legal Action Letter History Payment Detail Payment History Phone History Primary Promises Proof of Claim Account Repossession Data Secondary 1 Secondary 2 Auto Details Primary Details Coborrower Details LVM PTP Send Letter Account # DARRYL OHARA Personal Information Related Accounts View: Open Accounts (5) Account #: Balance Account Identifier DQ Amount Days DQ Current Payment Account Type DARRYL OHARRA 100 Lindenwood Drive, $5, $ $0.00 Auto L1 Malvern, PA $1, $ $0.00 Credit Card L2 Home Phone: Work Phone: SSN: XXX-XX-XXXX $2, $ $ Mortgage L3 $3, $ $0.00 Deposit/Savings C Account Identifier Account Overview Address History Letter History Payment History Primary Promises Workflow History Accounts Auto /27/2009 8/27/2009 Refresh Print Date Created Created By Workflow Comments Days DQ DQ Amount 07/17/ :34 Brian Schatzel Promise to Pay Promise to pay notes 15 $ AM 08/13/ :46 PM Admin Admin $ Send Letter 15 Tools Access to Key Information The Akcelerant Framework for provides a comprehensive collector workspace with improved access to key information and a streamlined workflow process that guides the collector in a logical manner. The process flows from one step to the next, saving time and increasing productivity. It provides the collector with only the information management gives them access to, be it high or low level, detailed or basic. Your account holders information is presented in summary, giving the collector a total picture of the account holders portfolio, and empowering them to take the additional steps to completely resolve each situation. The workspace is the place collectors do research before a call, access system integrated tools such as skip tracing and credit reporting, and manage data about an account holder s relationship with the financial institution. While working an account, the workspace provides collectors an easy-to-use environment with key features such as uploading documents to the account holder s record, tracking expenses, looking at related accounts and tracking important case work related specialty processes. Total Picture Easy Access Complete Control All accounts are shown, while delinquent accounts are highlighted for easy visibility. Work card information is present during the entire process for collectors to access. Contains flexibility in each product type over what key information is presented to the collectors.

4 Communications File Edit View Insert Format Tools Table Window Help Adobe PDF Acrobat Comments Save To docmaster... docmaster Settings... About docmaster... Arial Improve efficiency using the letter creation Screen.* Create letter and form templates by inserting merge fields into a Word document and adding your logo. Account Account Type Auto Bankruptcy Borrower CCCS Charge Off Coborrower 1 Coborrower 2 Coborrower 3 Collateral Credit Card Customer Deceased Deposit Forclosure Fraud Guarantor Home Equity Legal Lookup 1 Lookup 10 Lookup 2 Lookup 3 Lookup 4 Lookup 5 Choose a field from the list and click Insert to add it to the template Save this letter template and close the letter editor Open an existing Word document to use as a letter template Preview this letter with the following account number <<CURRENT_DATE>> <<FULL_NAME_60>> <<ADDRESS_1_66>>,<<CITY_AND_STATE_AND POSTAL_88>> Re: Account # <<ACCOUNT_NUMBER_54>> Dear XXXXX Our records indicate that as of today s date, your chacking account has a nega $ <<BALANCE_251>> We hope you have already made sufficient deposits to bring you account to balance. However, if your account is still negative when we review it ten business the date of this notice, we will be forced to take any available funds from your these do not cover the amount negative then we will close the account and rep to Telecheck Recovery Service. Also any cards on the account, ATM or Debit Ca disabled. Written correspondence should be directed to: Akcelerant Federal Credit Union Stay in Complete Contact Staying in contact with your account holders is key to any successful department. Letters and s can act as the additional reminder your account holders need to make their payments as quickly as possible. The Akcelerant Framework for gives you the ability to contact account holders whenever you see fit. All templates can be built into your pre-defined workflows, giving collectors the necessary tools to send a letter and other communications to account holders. All letters, s and forms are created from templates you define as a manager (or by anyone with the necessary permission) and are stored in the Framework database for easy retrieval. You can rest assured that all correspondence from your institution will say exactly what you want it to, eliminating the human error that can result from copying. *Content in letter template does not represent an actual letter. Store Templates Edit Templates Send Messages Letter, form and templates can be created and stored in our database. The letter template editor makes it easy to build new or modify existing communications. Configure communications to run on demand or with automated queues to stay in consistent contact with account holders.

5 Reporting & Analysis Search Actions History Using the Akcelerant Framework s reporting screen, management can set all criteria for reports, and have them run at anytime, be it instantly, or on a schedule. Home Queues Dashboards Views Reports Administration Collections Negative Shares Recovery Reports Create Name Last Modified Modified By Predefined Report Account Auto Days DQ 09/17/ :24 AM Price, Mark Account Balances 05/09/ :35 PM Admin, Admin Account By Days DQ Pie Chart 05/09/ :06 PM Admin, Admin Account By Type Bar Chart 05/09/ :06 PM Admin, Admin Accounts with co-borrowers 03/19/ :51 PM Admin, Admin Balloon Payment Report 05/09/ :37 PM Admin, Admin CCUCC report 05/09/ :19 PM Admin, Admin Charge Off Board Report 05/20/ :41 PM Watson, Robert 05/20/2009 2:42 PM Watson, Robert Charge Off Recovery by Account Type Charge Off Recovery by Assignment 05/20/ :48PM Admin, Admin Collection Queue Summary Collector Production Enhances - All Users Collector Production Enhanced - Single User Comment Audit Report Criteria Queue Info Criteria Queue Summary Data Dictionary Delinquency Delinquency Summary Past Due Summary Promises Due by Date Promises to Pay Reason Code Listing Repossessions Scheduled Report Example Security Groups Spotlight Test Workflow Queue Info Create Reports Anytime The Akcelerant Framework for contains powerful reporting functionality that allows management to create reports anytime based on a large selection of fields and criteria. Reporting and analysis is delivered through three key features: views, dashboards and reports. Views are fast and easy queries into the Framework database that return a focused list of accounts, dashboards are summaries of key performance indicators that assist with monitoring progress, and reports are comprehensive views of data. There are virtually an unlimited number of reports that can be created within the Framework, and the application comes preloaded with a variety of reporting templates, allowing you to get started right away! Reports can also be easily created by administrators and scheduled to run on demand or at pre-specified times such as daily, monthly or yearly. Reports can be created without IT involvement, making the Framework a true business person s tool. Multiple Formats No Need for IT Permission Driven Reports are available in multiple formats: HTML, XML, MS Excel, and more... Reports are created by management; no need for IT support. Reports are assigned by management, so only those authorized may view the reports.

6 Workflow Search Actions History System Management Create Copy Edit Delete Print Workflow Name Description Context Last Modified Modified By Point. Click. Create! Workflow in the Akcelerant Framework is extremely powerful, but most of all, very easy to use! Account Assignments Account Types Administrative Settings Alerts Archive Data Case Types Categories Cost Centers Exports Field Configurations GL Accounts Hyperlinks Interest Rates NACHA Pending Transactions Share Types Third Party Audit Transaction Codes Users Address Book Collections Communication Connectors Dialers Groups Solutions Workflow Automated Workflow Batch Workflow Workflow Queues Workflow Reason Codes Post Comment Post a comment to the account history None 06/12/ :42 AM Admin Admin Post first-time Financial Services None 08/02/ :58 AM Mullen Richard appointment Print HELOC Closing Member Solution Center > Lending > Home Equity None 08/02/ :04 AM Mullen Richard Documents Promise to Pay Posts a promise to pay to the account history and changes None 04/30/ :51 PM Schatzel, Brian Next Contact Date Property Inspection Inspection of property following a foreclosure sale Workflow: Promise to Pay Provided General Member Solution Center >General >Non-member Information Save Save and Close Cancel PSCU Pin Reminder General Design Account Types Case Types Security Categories Rebates Review and submission of rebate claim in conjunction with repossession process. Recommended for Review account to determine whether or not to chargeoff Chargeoff Start Workflow Recommended for Recommendation to management by collector for Foreclosure foreclosure of mortgage Recommended for Recommendation to management by collector for Repossession repossession of collateral Review Past Promises Related Accounts Search of records for any accounts related to the bankruptcy filer by SSN Remove Flags Remove fraud flags from all accounts reference by the fraud claim. Remove Interest Member Solution Center > Lending Action After Promise Remove Late Fee Member Solution Center > Lending Review Remove Overdraft Fee Member Solution Center > Lending Remove Restrictions Remove restrictions for all accounts referenced by the fraud claim. Remove Stop Payment on Member Solution Center > Account Check Repairs Determination, authorization, and assignment for completion of requisite repair to collateral Repossession Result of management review of request for authorization Management to repossess collateral Determination Request to Void Corporate Checks Member Solution Center > Account Create Promise to Pay Post Comment Change the Promise Configure Fields Confirm accuracy Solutions When should the account be returned? When should the account be returned? Send letter End Workflow When should the account be returned? End Workflow Create Best Practices The Akcelerant Framework for employs easy to use, graphical workflows to streamline and manage the countless processes associated with s. Utilizing workflow functionality can help you automate tasks, launch/access other systems, control events, follow yes/no decision paths and, best of all, implement best practices. Workflow is an effective way to ensure collectors are not missing steps and can be an excellent training tool, as rich text scripting is supported at each step in a workflow process. Workflow drives efficiency and accountability. Each workflow is tracked with user and time stamps to assist with performance monitoring, as well as creating detailed audit history of the actions performed on every account. Several pre-defined workflows are installed during the implementation process, and assembling a new workflow is easy! Design a workflow graphically with flexible workflow step types. The step types are then linked together, providing a guided path for collectors. End Workflow Step Types Never Miss a Step Integration Worflow step types include: assignment, change field, decision, payment, promise to pay, send letter and more... help keep processes consistent and accurate. Integrate third-parties into your workflow steps!