1. PRISMA SYSTEMS SAVCO 3.5 & 4.x

2. 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, 2008 server and any newer versions. User customizable and fully parameterized It is easily learned and operates on Microsoft Windows 2000, 2003 server, XP, VISTA, 2008 server and any newer versions. User customizable and fully parameterized

3. What Does SAVCO Contain? Customer and Member Full Details Loan Management Remittances and Statements Full Share Product Management Business/Saleable Products Activities Dividend Management Customer Banking Services Customer Utilities & Servicing Saving Interest Management Fixed Deposits Management

4. Customer & Member Details Official Details Identifications Classifications Beneficiaries Official Details Identifications Classifications Beneficiaries

5. Loan Management - Application Loan Application Guarantors Commission Fees Amortization Loan Application Guarantors Commission Fees Amortization

6. Loan Processing Flow Entered Into SAVCO 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

7. 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

8. 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

9. 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

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

11. Share Product Management – Commercial Shares

12. Business/Saleable Products & Market Activities

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

14. 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

15. 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

16. Fixed Deposits Management

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

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

19. Reports – Summary No Limit on Supported Reports Reports can be Exported to Word, Excel, PDF, etc Over 265 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

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

21. 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

22. Cost Breakdown DescriptionMoney 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 $$$$$$$$

23. THE END PRISMA SYSTEMS