Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. All other product names are trademarks of their respective owners. COMMERCIAL CREDIT SCORING FINANCIAL ANALYSIS RISK MANAGEMENT DECISION SUPPORT COLLECTIONS INSTALLED or HOSTED SOFTWARE SYSTEMS FOR THE HARD DECISIONS CMS: Leader in Credit & Collection Software Credit & Management Systems, Inc. (847) Setting the Standard Since 1985

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. Who is CMS? First credit software provider in 1985 Family of products handling… Credit Applications Credit Management Collections Extensive global implementation experience Over 1600 users Over 90 global firms with sales in excess of $1 billion have chosen CMS

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. Go Beyond Traditional Credit Processes Manual Processes Can Cause… Subjective & Inconsistent Decisions Difficulty delegating Poor Communication Limited analysis CMS delivers… Objective & Consistent Decisions Efficient management with confidence to delegate Easily communicated decisions Complete analytical tools

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. Go Beyond Traditional Credit Processes Spreadsheet Analysis in isolation causes… Missing central data access & collaboration Keeps finance busy with data entry Lacking integration and uniformity of data Difficulty maintaining CMS provides… Accuracy, visibility, and ability to roll-up Speed and efficiency including reporting Less paper shuffling and more analysis

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. Go Beyond Traditional Credit Processes AR Systems Generally Incomplete No decision making No risk assessment No financial analysis CMS supplies… Recommendations Complete scoring using ALL factors Financial analysis

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. Go Beyond Traditional Credit Processes Credit Reports Merely Display data Still requires manual review Agency perspective, not yours Not easily accessible in paper files CMS equips… Tools to apply your polices Automated & repeatable process Use with multiple internal & external sources All credit information available electronically Portfolio management

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. CMS Goes Beyond w/ Full Credit Mgmt All credit data in one place Comprehensive & flexible credit scoring Credit Agency Independence Easy Integration w/ AR & ERP Thorough Credit Limit Recommendations Detailed Financial Analysis Portfolio Mgmt Collection Workflow Prioritization Online credit applications SOX Compliance And more

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. CMS Product Overview Gather Info Score & Decide Portfolio Mgmt Corporate Credit Manager WebDecisioning CMS Financials The Collection Assistant

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. Success Story Examples Handle 30% more w/o adding staff Saved $700K in credit agency expense in a year Easily met SOX compliance Meeting on-going review policy Improved cash flow by $500K through DSO reduction

Copyright © 2006 Credit & Management Systems, Inc. All rights reserved. Contact CMS for More Info Contact us to learn more about how we have helped others like you We can: See if there is a fit with your needs Provide credit & collections process analysis Provide more detailed product information Credit & Management Systems, Inc. (847)