LOAN ANALYSIS SOFTWARE Robust, Intuitive, Designed by Bankers

The ALL-IN-ONE LOAN ANALYSIS Solution for Ag, Commercial, and Consumer LOAN ANALYSIS

Country Banker Benefits . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Consistent and Uniform Data Formatting and Analysis across all Lenders and Entire Portfolio Ease of Use and Quick Learning Curve for New Lenders; a robust data base that functions much like spreadsheet and word processing programs Increased customer relationships based on depth of knowledge you have of their operation and information you share with them that has value Lenders save time and have confidence in their numbers Regulators value the format of reports and the solid narratives and data in loan presentations

IMMEDIATE ACCESS TO REPORT OUTPUT FOR: . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Trends Ratios Scorecards Risk-Based Pricing Cash Flow Proforma Loan Presentation Documents

GLOBAL FINANCIAL ANALYSIS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Consolidation of multiple related borrowers for true GLOBAL ANALYSIS Global Analysis can be done across industry lines - Ag, Commercial and Consumer

AG and COMMERCIAL RATIO ANALYSIS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Core Ratios Debt Service Coverage Ratio Weighted Cost of Capital Sensitivity/Shock Analysis Global Collateral Sensitivity Analysis Liquidity Solvency Profitability Ratios Repayment Capacity (EBITDA) Sales to Assets Return on Assets Return on Investments Inventory Financial Efficiency Accounts Receivable Accounts Payable

SHOCKS & SENSITIVITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Sensitivity and Shocks require only three variables Change to Revenue Change to Expense Change to Interest Rate Results are immediate identifying impact to each category and results to Line of Credit on a month-to-month basis. Standard and user-defined shock and sensitivity of ANY parameter can be applied recalculating immediate results and impact to earnings and debt service capacity.

DATA - FULL ACCESS and OWNERSHIP . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Never down due to lack of internet access, Never slow access due to internet issues, Data not aggregated with others, Data fully accessible by remote access and in other formats Data Remains ON SITE and under Bank Control

UNSURPASSED FLEXIBILITY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Quick or in-depth analysis Ratios & pricing/scoring defined by you Global analysis Customized loan presentations COUNTRY BANKER - tangible results COUNTRY BANKER offers true customization that doesn’t put you in a “box”.

ON-SITE TRAINING . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . COUNTRY BANKER clients receive on-site training using customer data – trainees benefit from hands-on instruction! We are committed to helping clients implement successful systems with responsive technical support by phone or email.

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