2. LOANS PORTFOLIO MANAGEMENT Ability to create thousands of loan products and categorise them per industry, purpose, length of loan period and income of the target groups. Loan application, approval, collateral, Loan Guarantors and disbursement with the ability to give each borrower, special consideration in as far as interest rate, penalty rate, loan period. Automatic interest calculation of interest (Flat rate, Declining Balance, Armotisation), and penalty calculation Group/Member lending, and ability to track individual’s and group’s portfolio

3. LOANS PORTFOLIO MANAGEMENT CONT’D Repayment frequency: Daily, weekly, bi-weekly, monthly, bi- monthly, quarterly, semi-yearly, yearly, and any other user- defined frequency. Highlighting tending to bad debt loans, write-off and recovery of written-off loans. The loan module is linked to the Savings and Shares module, and hence the automatic management of Compulsory Savings and Shares. Loan Loss Provisions Repayment schedule, skipping defined holidays Loan Repayments from Savings Accounts Borrower can take multiple loan simultaneously

4. LOANS PORTFOLIO MANAGEMENT CONT’D Savings Plus tracks loans on daily, monthly, quartely and Annually, giving the following: Arrears reports and corresponding Arrears Rates Repayment reports and corresponding repayment rates Ageing reports and loan loss allowances Due payments as at any date of choice Portfolio Analysis by gender

5. SAVINGS & SHARES MGT Managing savings products (compulsory savings, fixed deposits, free savings, etc) and defining their attributes such as interest rate, opening balance, minimum balance, maturity period, transactional and monthly ledger fees, etc. Awarding interest periodically. With-Holding Tax on Interest automatic calculation Automatic and triggered loan repayments from member’s savings Payment to any other account from savings Purchase and transfer of shares, sharing dividends

6. Customisable Chart of Accounts The chart of accounts presents an easy ready-made hierarchy of categorized accounts from the top level accounts such as assets, liabilities, expenses, income and equity to finer details of specific accounts. The ability to create and define your own accounts under the above categories makes this module a joy to use. Each account is linked to the General Ledger, guaranteeing that the financial statements are always ready at any time.

7. Teller & Cash Managemt Transfering cash to and from Tellers, SAFE and the Institutions Bank Accounts Bank and Teller Accounts Reconciliation on Daily Basis Bulk Transactions Upload from Excel files

8. FOREX & STOCK MGT Buying of Foreign Currencies Selling of foreign currencies Automatic capture of profit realised on each sell Buying and selling of other stock

9. HR & PAYROLL MODULE Tracking employees’ details Salary, allowances and deductions management Leave management

10. SMS BANKING Clients can access their loan, shares, savings balances and other accounts related info on their phone Inquiries and comments can also be sent by SMS, replied to by the bank’s personnel Categorisation of the SMS complaints and comments to enable Management decisions

11. INTERNET BANKING Clients can access their loans, shares, savings statements from any where in the world as long as they have internet access. Clients can access the loan calculator and Scheduler online Clients are able to apply for loans right from their account. The systems advises them about the products available and how much they can borrow based on their savings, shares, and loan balances

12. ATM CONNECTIVITY Savings Plus has capability to connect to ATM Infrastructure to enable clients access their account balances, deposit, withdrawal and request for mini-statements.

13. Other Functionalities Tracking loans and accounts payable, and their installment payments Fixed asset registry with automatic depreciation, and provision to sell them Reserve funds and provision to transfer to payable accounts. Tracking receivables and their corresponding collections Tracks expenses and any other incomes from all sources

14. BUDGET & REPORTING Savings Plus comes with hundreds of reports that include Portfolio, Savings, Shares, General Ledger, Audit Trail, Financial Statements, etc. The portfolio reports include Due Payments as at any day and Ageing reports, whose ranges are user defined. Budget Controls by each account, on monthly and Annual Basis, producing the relevant reports such as Budget Perfomance and Variance Reports.

15. Online & Offline Branch Reconciliation Savings Plus comes with hundreds of reports that include Portfolio, Savings, Shares, General Ledger, Audit Trail, Financial Statements, etc. The portfolio reports include Ageing reports, whose ranges are user defined.

16. OUR CONTACT Future Link Technologies (FLT) Limited P. O Box 14697, KAMPALA – UGANDA Tel: +256-414-531274 Mob: +256-774-638790, +250782369321 Email: info@fl-t.com, support@savingsplus.infoinfo@fl-t.comsupport@savingsplus.info Website: www.savingsplus.info, www.fl-t.comwww.savingsplus.info