RB 2000 RB2000RB MABS Management Meeting UPDATES on RB2000 January 28, 2003 Unit 511, PDCP Landco Center Davao City

RB 2000 RB2000RB PRESENTATION OUTLINE Objective Brief History Features Investments Status On-going Activities Next Steps Rollout Companies

RB 2000 RB2000RB Objective At the end of this presentation, the MABS technical staff shall be made aware on the following: Features of RB2000 Status of the development On-going activities Next Steps Rollout Companies This presentation however, does not include the actual demonstration of RB2000 system.

RB 2000 RB2000RB BRIEF HISTORY 1 st Qtr 1998 – Start of MABS Program 3 rd Qtr 1998 – MIS Enhancements of PBs 4 th Qtr 1998 – MABS tasked by USAID/RBAP to develop a system 2 nd Qtr 1999 –RBAP/MABS developed systems specifications 3 rd Qtr 1999 – Bidding for a developer 4 th Qtr 1999 – Development contract awarded to ASEC – ISSEC and MB Phil (rollout companies) 1 st Qtr 2000 – Start development May 2001 – GLM Certified for “early” rollout March 19, 2002 – RB2000 Version 1.0 certified for rollout

RB 2000 RB2000RB FEATURES Windows-Based Client Server Technology LAN & WAN Capable Wizard-Type “Menu Driven” Setup & Installation Scalable & Portable Data Integrity (Real-time Rollback & Commit – SQL) Online Context-Sensitive Help

RB 2000 RB2000RB FEATURES Client Information Filing System Microfinance support and reports BSP Reports Multi-currency Audit Trail Easy in-house maintenance facility

RB 2000 RB2000RB FEATURES Financial Product Design (FPD) Deposit Manageme nt Module (DMM) Loan Managemen t Module (LMM) General Ledger Interface (GLI) General Ledger Module (GLM)

RB 2000 RB2000RB FEATURES – FPD Customize and maintain bank product with minimal help from the developers Customize the behavior of each transactions Easy creation and maintenance of codes & tables Parameterized Form Printing: passbook, ledgers, etc… User-defined bank charges, penalties, etc…

RB 2000 RB2000RB FEATURES – FPD Flexible Deposit Interest Computation User-defined Depositor Type Maintaining Balance Parameterized Bank Charges / Penalties for Deposit & Loan User-defined Loan Amortization Type User-defined Loan Notices Printing

RB 2000 RB2000RB FEATURES – Deposit Module Standard deposit module functionality present: Tellering Transactions Back-Office Transactions Miscellaneous Transactions Vault, Cashier & Tellers Cash Transferring Auto-Debit & Auto-Credit Facility Etc… Inter-branch deposit & transfers transactions User-defined report format Online Picture & Signature Verification ATM Connectivity/Interface ready

RB 2000 RB2000RB FEATURES – Loan Module Standard loan module functionality present : Flexible Amortization Schedule & Type User-definable Loan Classification/Categorization Customized Loan Package offering Standard loan repayment and specified repayment transactions Auto-debit of loan payment from client’s deposit account Etc… Capturing of client’s information as early as when the loan is applied User-definable Microfinance Loan Product Individual Loans Group Loans (Grameen-type)

RB 2000 RB2000RB FEATURES – General Ledger Interface Deposit Products Transaction Codes GLI Template Loan Products Transaction Codes GLI Template Miscellaneous Products Transaction Codes GLI Template

RB 2000 RB2000RB FEATURES – General Ledger Fully parameterized Chart of Accounts User-definable Financial Statements & Other Schedules formats Bank-wide consolidation of reports through online or through dial up methodology Parameterized BSP report 1 formatting Integrated with Deposit and Loans Modules via GL/I Electronic reporting Report Generator

RB 2000 RB2000RB FEATURES – 1 BSP Reporting BANK ( RB2000 ) Convention al Diskette

RB 2000 RB2000RB Minimum Configuration IBM Compatible Computer Intel Pentium IV 1.8Ghz 512KB Cache 256MB RAM 80GB Hard disk CD R/W (Backup) 100/10BaseT Ethernet Card Standard Peripherals Recommended Configuration Branded Computer Intel Pentium IV or higher 512KB Cache 256MB RAM 80GB Hard disk CD R/W (Backup) 100/10BaseT Ethernet Card Standard Peripherals INVESTMENT – Hardware / Server

RB 2000 RB2000RB Minimum Configuration IBM Compatible Computer Intel Celeron KB Cache 128MB RAM 40GB Hard disk CD ROM (Optional) 100/10BaseT Ethernet Card Standard Peripherals Recommended Configuration Branded / Compatible Intel Pentium IV or higher 256KB Cache 256MB RAM 40GB Hard disk CD ROM (Optional) 100/10BaseT Ethernet Card Standard Peripherals INVESTMENT – Hardware / Workstation

RB 2000 RB2000RB INVESMENT – Software RB2000 License (Free) MS SQL Version SBS (Small Business Server) RB2000 Installation Cost 1 Includes installation charges per module Transportation, lodging, & out-of-pocket expense Bank staff cost i.e. overtime, meals, electricity, etc… Licensing 2 of workstations (MS Windows 98Me or higher) 1 Accredited RB2000 Rollout Companies 2 Licensing of software is now a standard business practice to adhere to Intellectual Property Rights and the Anti-Piracy Law

RB 2000 RB2000RB LOCATION# BANKS# BRANCHES LUZON3657 VISAYAS1116 MINDANAO912 TOTAL5685 STATUS – Installations

RB 2000 RB2000RB ONGOING ACTIVITIES MABS & RBAP MIS SteerCom monitors rollout One (1) year warranty period (version 1.0) Enhance Loan Functionality (Early Repayment of Loan) BSP Additional Reports and Reports format changes as of July 1, 2002 Personal Digital Assistant (PDA) 3 Loan Collection Interface

RB 2000 RB2000RB ONGOING ACTIVITIES – Loans Partial Payments applied to Principal Balance on term loans Partial payments applied to principal only on amortized loans; no adjustments to amortization schedule Partial payments applied to principal only on amortized loans; adjust amortization schedule Partial payments applied to both principal & interest on amortized loans; no adjustments Partial payments applied to both principal & interest on amortized loans; adjust amortization schedule Early Repayment Features

RB 2000 RB2000RB ONGOING ACTIVITIES – 3 PDA Personal Digital Assistant (PDA) is a term for any small mobile hand-held device that provides computing and information storage and retrieval capabilities for personal or business use, often for keeping schedule calendars and address book information handy. Several MFIs throughout the world are now using PDAs in their operations. More than a year ago, a MABS participant bank in Mindanao piloted the use of PDA for their daily & weekly collections. To-date, there are already 2 banks using the PDA. One MABS partner bank followed in Luzon. Both banks are satisfied and already have realized a lot of tangible and intangible benefits using the PDA.

RB 2000 RB2000RB ONGOING ACTIVITIES – Loans Changes to BSP report formats as at July 2001 AGRI/AGRA Reports SME Reports Others BSP Reports

RB 2000 RB2000RB NEXT STEPS Develop 24/7 RB2000 on-line support Develop RB2000 website for FAQs, discussion groups Plan for RB2000 Version 2.0 enhancements

RB 2000 RB2000RB RB2000 ROLLOUT COMPANIES Automated Systems & Equipment Corporation (ASEC) Integrated Systems (ISSEC) Microbanker Philippines (MBPhil)

RB 2000 RB2000RB RB2000 ROLLOUT COMPANIES Automated Systems & Equipment Corporation Unit 607 Park Avenue Mansion Park Avenue, Pasay City Metro Manila Telephone: Fax: Contact Person: Mr. Florentino A. Roque President ASECASEC

RB 2000 RB2000RB RB2000 ROLLOUT COMPANIES Integrated Systems Services & Equipment Corporation U Cityland Shaw Tower Shaw Blvd. corner St. Francis Sts. Mandaluyong City, Philippines 1550 Telephone: Fax: Contact Person: Mr. Larry Adeva VP Marketing / Director ISSECISSEC

RB 2000 RB2000RB RB2000 ROLLOUT COMPANIES Microbanker Philippines, Incorporated 3/F Doña Mercedes Bldg. #584 San Andres St., Malate 1004 Manila, Philippines Telephone: Fax: Contact Person: Mac Franceau S. Panuncialman General Manager MBPHILMBPHIL