PrimeSoft Solutions (K) Ltd SAVCO All Versions

What is SAVCO? SAVCO® is a complete integrated software that has all essential components to manage and run a savings and credit organisation It is easily learned and operates on Microsoft Windows 2000, 2003 server, XP, VISTA, Windows 7, 2008 server and any newer versions. It is User Customizable and Fully Parameterized

Customer & Member Full Registers Loans, Deposits & Shares Management What Does SAVCO Contain? Customer & Member Full Registers Loans, Deposits & Shares Management Remittances & Statements Banking Services (FOSA) ATM & SMS Banking Services Fixed Deposits Accounts Commercial Shares Management Customer Products Management Dividends &Saving Interest General Ledger Accounting & Reporting

Customer & Member Details Official Details Identifications Classifications Beneficiaries

Loan Management - Application Loan Application Guarantors Commission Fees Amortization

Loan Processing Flow Entered Into SAVCO Loan Application Printed Copy Sent to Loan Committee Loan Committee Approves or Rejects Loan Approved in SAVCO by Loan Officer Loan Applicant Advised Loan Application Enters Monthly Check off Loan Appraisal

Workbench for Creating &Approving loans Appraisal & Approval Workbench Loan Management - Activities Workbench for Creating &Approving loans Appraisal & Approval Workbench Changing Loan Repayment Values Writing Off Loan Interest Changing Repayment Due Dates Enquiring on Guarantors Generating Due Interest/Principal Payments Penalizing Loan Defaulters Mass Data - Journal Transactions Entry Importing Loan Transactions + Miscellaneous Related Activities

Loan Products to be Used Maximum & Minimum Loan Amount Loan Management – You Can Control/1 Loan Products to be Used Maximum & Minimum Loan Amount Maximum & Minimum No. of Guarantors Maximum & Minimum Repay Periods Loan & Shares Ratio Loan & Savings Ratio (4.x) Loan Full Guarantee Security Number of Loans One can Guarantee How Loan is Written Off

Interest & Principal are Separated Loan Appraisals Loan Management – You Can Control/2 Interest & Principal are Separated Loan Appraisals How Loan Penalty is Calculated Minimum Shares for Eligibility Minimum Savings for Eligibility (4.x) Who to Approve Loans Loan Value a User Can Approve Commissions ,Fees & Penalties Many More User Defined Parameters

Remittances and Statements Transactions Entry for Each Individual One by One or Bulk Entry as Journals Pay Remittances: Loan & Interest Shares , Deposits & Others

Share Product Management – Commercial Shares

Business/Saleable Products & Market Activities

Between certain periods For only certain products Business/Saleable Products & Valuations You can (re)value what to pay the customers for their products by either Between certain periods For only certain products Then post money to customer accounts

Customer Banking Services Defining Accounts Teller Activities Unlimited Service Types Unlimited A/C Types Banking Controls

Minimum Operating Balance Opening & Closing Fees Interest Rate Customer Banking Services – You can Control /1 Minimum Operating Balance Opening & Closing Fees Interest Rate Type of Services and Charged Fees Maximum Balance Dividend Earnings Credit Charge on Outstanding Payments - e.g. for Cards Overdraft Processing, e.g. Maximum, daily or Monthly Charge

Minimum Withdrawal in one Transaction Customer Banking Services – You can Control /2 Minimum Withdrawal in one Transaction Maximum Withdrawal in one Transaction Withdrawal Charges Deposit Charges Withdrawal Intervals in Days - From Last Transaction Minimum Interest Balance Cashiers End of day Reconciliations Many More User Defined Controls

Fixed Deposits Management

Ledger & Cash Book Menu Ledger Accounting Chart Of Accounts Journal Transaction Recurring Journals Asset Register Import Transactions Approval Controls Budget Planning Initialize Budgets Import From Excel Original Budgets Revise Budgets Finalize Budgets Fully Customizable Chart of Accounts Ledger entries are entered in journal format Banking Tellers are controlled from their ledger accounts Real-time Update of all master files Transaction can be imported from Excel Automatic Accounting Reports: Trial Balance, Balance Sheet, Income & Expenditure Statements etc

User Management Controlled by User IDs and Passwords User ID Can Be Define to Expire After a Certain Period Can Control Whether they can Work Over Weekends Can Control Whether they Should Sign After 5 PM Users are Restricted to Windows and Activities They Perform. They can be Allocated a Initial Default Window They can be Allocated a set of Favourite Windows & Tasks Cashiers can be Allocated an Account for Daily Balancing. Cashiers can be Forced to Have Cash Before Operating. Non Cashiers can be Denied Access to Teller Functions User can be Restricted to Own Journals More Restrictions and Controls are Available

Standard Reports Member Driven Teller Driven Customer Driven Reports – Standard, Members & Customers Standard Reports Member Driven Teller Driven Customer Driven

Reports – Summary No Limit on Supported Reports Reports can be Exported to Word, Excel, PDF, etc Average of 280 Reports on a Single Installation Reports Menus Customized to What You Want During Implementation Own Reports Developed Without Charge Fit Reports to Special Printers Without Charge Train on How to Create/Modify Reports During Use New Reports can be sent Via Mail. Write Own Reports - Data Dictionary Available

Implementation IMPLEMENTATION PLAN INSTALLATIONS DATA LOAD TRAINING LIVE USE OWN SUPPORT SUPPORT AGREEMENT

Implementation Tasks Data Loading for Big and Small Databases Import from Excel wherever Possible – Use Templates Training Own or Assisted Training on Own Data. Software Installation Client PCs and Database on Server Free Oracle 10g Express Server for members between 1000 and 3000 Free IBM DB2 C9X for members over 3000 to 20000 Can purchase licences for Oracle & DB2 Databases Maintenance & Support Agreement - Available

Based on Location & Size Cost Breakdown Description Money Installation/Setup & Initial Data Loading Based on Size Computers and Hardware (Network, Printers etc) Customer Sourced Software Products Base Price Expenses & Miscellaneous Based on Location & Size Totals $$$$$$$$

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