Introduction, Products, Key Differentiators and Customer Benefits Summary

Introduction, Products, Key Differentiators and Customer Benefits Summary

Versabanq Products AMS (Asset Management System) Commercial/Non-Commercial Real Estate, Corporate and Public Finance, Structured Finance, Consumer Financing Fixed/floating rate, term/revolving loans Complex syndicated loans Bulk lease/receivables purchasing Retail mortgage pools Treasury assets: bonds, common/preferred stocks, BA, MBS Any conceivable type of lending transaction DMS (Deposit Management System) GIC, RRSP, TFSA Savings products Chequing Accounts CDIC Data And Systems Compliant CANNEX and electronic transfers connect to any supplier of deposits in Canada Alternative/secondary source of liquidity 2

AMS Features Functional/Operational: Complex, fully automated syndicated loans with maximum flexibility: Manage all lead and participant roles Administers complex amortization schedules, fee types and interest rates Manages full lifecycle including changes to syndication structure as required All types of leasing: For any term and all payment and residual types Multiple draw lease schedules Lease umbrella for multi-lease clients; also handles loans and leases for same client Automatically handles customized tax structures Multi-currency Automated accounts receivable purchasing and retail mortgage pool purchasing and management Extremely flexible, customizable amortization schedule Pipeline reports, email notifications EFT/Cheque production & printing Invoice production & printing Exposure management Data warehouse / Self-served reporting Automated policy compliance test Budget / Forecasting / Modelling Customizable risk ratings framework Automatic ratings via S&P Application: Shared across departments Full loan lifecycle management and workflow enforcement Audit trails / notes Customized search & grouping Standard risk weights / Fully Basel II/III compliant Custom risk ratings and reporting Automatic ratings via S&P 3

DMS Features Functional/Operational: Broker based model not dependent on branch and heavy resource base Fully automated broker communications model Allows investment products, deposits, clients, agents and cheques to all be managed centrally Innovative, highly efficient source of alternative or secondary deposit gathering Extremely elastic model - highly rate sensitive to allow maximum control over both total volume and matching of deposit durations Custom reports, email notifications Application: Electronic data interchange - deposits, statements, confirmation reports, government forms etc. handled between institutions using industry standard EDI and/or custom formats Shared across departments Lifecycle / workflow enforcement Audit trails / notes Customized search & grouping Pre-Authorized Deposit (PAD) capabilities Cheque production & printing Web portal to view chequing account balances Indirect cheque clearing model 4

Technology Summary Standalone application GUI - based, SQL client-server Real-time Flexible access controls Integrates with any commercial accounting package or core banking system Web - based user interface for web portal management Secure web API for electronic access to statements 5

AMS Architecture Secure Datacenter Data Warehouse MS SQL Database exported data Other bank software Any Accounting System Middleware Firewall AMS GUI Clients S&P Ratings 6

DMS Architecture DMS GUI Clients Secure Datacenter Middleware MS SQL Database exported data Other bank software Any Accounting System Middleware Firewall Web Portal And API (Internet) Web Clients 7

AMS and DMS Key Differentiators AMS: Basel II/III compliance built into the solution no additional applications, bolt-ons or reporting required. Represents a substantial savings in time, money human resources. Extremely flexible and versatile custom designed to automatically manage extremely complex, innovative lending and leasing. Very stable, yet easily modified to accommodate new products, reports etc. All-in-one solution for full loan origination and management lifecycle. Can also be deployed by module (e.g., syndications or leasing), integrated to 3 rd party legacy core system. Data warehouse flexible reporting to empower decision makers by providing accurate and timely information. DMS: Highly innovative and exceptionally efficient approach to gathering deposits. Can be main or alternative source of liquidity/deposit gathering. Fully automated, broker-based model. Web based client portal and API. Both: Intuitive, easy to use PC-based solutions with built-in workflow, designed with latest technology employing innovative middleware to maximize flexibility and facilitate integration as required. 8