1. Fern Computer Services - International Savings and Loans Systems

2. Worldwide User Base

3. High Reliability, Availability & Seviceability Scalable, Flexible and Easy to Use All data from one consistent source Integrated Management and Operation System Link to external systems (ATM, Bank, Sub- offices) more easily Professional information and processing system

4. Abacus Integrated Structure

5. Most Advanced System Available

6. Main Modules: General Ledger; Banking for Savings & Loans Banking for Savings & Loans Built in Crystal Report Writer Built in Crystal Report Writer Internet Banking Internet Banking In built Governance for Management Money Laundering Security: ID / Photos / Signatures Abacus Overview Integrated Management and Financial System

7. Abacus Deployment

8. Integrated Innovation Fern integrates all data processing, financial management and member services into one efficient business system for your members’ total needs. Members – Internet Banking CU365 Services & Control – Cubis / Abacus Integrated System for Smart Credit Unions Board, Management & Staff Document Imaging Customer R’ship Mgmt Financial Control Savings Loans Credit Scoring Web Services & XML New Product Design

9. Benefits to users … Save time and money Lower operational costs Increase efficiency Improve client contact Add power to back-end systems Increase services for clients