• Identify Possible Fraudulent Items - Clients can be established as positive pay customers. Once established, all paid items not issued are reported, and optional customer notifications produced. Reports and notices can also be produced for items presented not issued. These items are identified by a program that compares issued checks on file to Item Entry blocks.
• Minimize Losses - All items are accounted for once entered into CRS. Thus, the potential for item losses is eliminated. To minimize the number of items which require processing, paid checks are accepted and held until corresponding "issued" transactions have been entered.
• Generate a Complete Audit Trail - A complete audit trail enforces complete accountability for all items issued, paid, voided or deleted.
• Reverse or Delete Checks - Clients can reverse or delete any check, regardless of whether it has been paid.
• Track Transactions - All transactions entered in CRS can be traced to their original point of entry in a transaction block.
• Reduce Clerical Functions - Automation of reconcilement functions saves time and reduces the level of resources devoted to clerical functions.
• Reporting - CRS generates reconcilement reports that provide an institution with a complete transaction record. In addition, CRS generates exception reports for tracking unusual transactions.

• The Credit Bureau Reporting Code controls the reporting status of notes by automatically defining the status, such as a paid account, account delinquent 60 days, or account charged off.
• The Credit Bureau Type Code categorizes notes and DDA loans by purpose and type of borrower. The standard values for Credit Bureau Type Codes are listed as "Account Type Codes" in the "Credit Reporting Resource Guide".

When establishing new accounts, Credit Bureau Reporting Codes and Credit Bureau Type Codes are automatically assigned according to Note Class. Alternative values can be entered in place of the default values on individual accounts. If the credit bureau uses control numbers, one will be assigned to uniquely identify the processing center for the reporting institution.

• Over 100 report formats for the statement of condition.
• Options for graphing, ratio analysis, and yield calculations.
• The module transfers account history information of each member institution account into a holding company account.
• History information of "like" accounts can be combined into one holding company account, or transferred to individual holding company accounts.

ALM Holding Company Reporting
The ALM Holding Company reports utilize all the reporting features of ALM:

• On-line interactive reporting, which allows comparisons to be made between any combination of two holding company accounts, types or categories, through a display terminal
• Full scale stock reporting using eight form types, with capabilities for ratio analysis and yield calculations
• On-line modeling and balance projection, which allows future "what if" strategies to be tested on holding company accounts through a display terminal
• The balances and rates of "like" accounts can be combined into one holding company account, or transferred to individual holding company accounts.

• Multi-institution, multi-sorter, multi-proof
• Transaction blocking concept
• Recurring transaction warehousing
• Item translation, special capture, masking
• Exact fractional float calculation
• Exception handling through special capture and masking
• Commingled capture, cash letter and bulk filing
• Electronic in-clearings
• Slow-speed and high-speed cash letters
• Non-descriptive and descriptive transactions
• Permanent and temporary blocks, locked blocks, secured blocks
• Universal check-digit verification
• Full transaction assignment and distribution
• Total on-line capture, reject reentry and balancing
• On-line reject reentry concurrent with item capture
• Complete audit trail
• Thorough and flexible reporting
• Integrated with all ITI transaction processing modules
• Multi-level security access

• Multiple Accounting and Remittance Methods, including Net Yield, Schedule/Schedule, Actual/Actual,
• Schedule/Actual, and Actual/Actual (365)
• Automatic Posting to Principal and Interest Custodial Accounts
• Automatic Posting to Taxes and Insurance Custodial Accounts
• Remittance Tracking
• Automatic Calculation of Funds Owed to Investor from Payoffs
• Reporting by Investor, Remittance Type, Pool
• Automatic Investor Reporting
• Reconciliation Reporting for Mortgage Backed Securities (MBS)
• LCM Reports
  • Daily reports are generated by investor for a summary of funds transfers. -
  • Investor reports are automatically printed each period at the time designated. The reports include a recap of all transactions for the period and reconciling reports for custodial accounts.

• Individual customers - retirement plans, such as individual, spousal and SEP, combined by tax ID number. For example, customer inquiries are used to review all the retirement accounts belonging to a tax ID number.
• Retirement account plans - plans are used to automatically combine multiple accounts of the same type, such as individual, spousal and SEP. For example, plan inquiries are used to review all retirement accounts classified as
• individual IRA accounts.
• Individual savings accounts and certificates of deposit.
• Tax reporting information.
• Beneficiaries.

Features of the Retirement Reporting Module

• Consolidation of Premier Savings and COD retirement accounts – Account information is accumulated by retirement plan.
• On-line inquiry – Consolidated inquiries of customer, plan, account, and tax information, as well as distribution and beneficiary data.
• Required minimum distribution calculator – Including calculations based on single life expectancy, joint life expectancy, or Minimum Distribution Incidental Benefit (MDIB).
• Customer notification – Custom options provide flexible production of notices, reviews, and statements
• Comprehensive reporting – Standard and custom reports detail account activity and analysis.
• Plan level parameters – Separate plan types control processing for IRAs, SEPs, Keoghs, Conduits, and other categories.