This application displays all information pertaining to your customers and all their accounts, including deposit and loan accounts, ATM and debit cards, and more. CIM GOLD also features relationship management capabilities that allow you to link other people or accounts to a customer. This functionality lets you see at a glance how those relationships could affect your institution's view of that client.

This system makes it easy to see an overview of customer information and to quickly access the Loan and Deposit systems individually.

With CIM GOLD, you can create follow-up assignments for employees to complete, such as soliciting customers for loans and calling customers on their birthdays or when their certificates mature. You can also create comments and messages tied to account holders that track important information pertaining to that customer.

CIM GOLD conveniently combines all the necessary elements of account management into a single application to help you quickly access and view customer information at any time. For more information, please see Relationship Banking Solutions.

• CIM GOLD combines all your customers’ account information into a single, easy-to-access program.
• Uses a powerful PC interface combined with easy-to-use navigation.
• Allows for flexibility through customization.
• Provides relationship management tools to reveal relationships between customers.
• An online help system to access information via keyword searches or a detailed “How to...” section.

Features of CIS and CIM GOLD include:

• Provides a powerful mechanism for marketing to clients and reporting profitability figures.
• Manages multiple levels of relationships.
• Quickly searches and identifies entities or customers.
• Combines all your customers’ account information into a single, easy-to-access program.
• Uses a powerful PC interface combined with easy-to-use navigation.
• Allows for flexibility through customization.
• Provides relationship management tools to reveal relationships between customers.
• An online help system to access information via keyword searches or a detailed “How to...” section.

With this module, you can offer your customers the power of direct-deposit payroll or the ability to collect fees from their customers through ACH. Your customers can also wire funds and be informed of both incoming and outgoing wires. Don't lose another customer to the competition—get the Commercial Cash Management system from FPS GOLD today.

The Commercial Cash Management module allows you to:

• Secure your institutions with Sockets Layer connections.
• Monitor real-time user access.
• Perform ACH funds out and ACH funds in transactions.
• Wire funds.
• Connect directly to Fed & wire processing.
• Allow Positive Pay.
• Define Multiple-User Security.
• Transfer funds to and from deposit accounts.
• Make loan payments and advances.
• View check images with the FPS GOLD^® Check Imaging system.
• Pay bills with the FPS GOLD^® Bill Payer system (electronically or by FPS GOLD check).

The GOLD HomeBanker^® Internet banking module from FPS GOLD allows you to stay a step ahead of the competition. The GOLD HomeBanker System offers your customers the convenience of accessing all of their accounts from any place, at any time. They'll be able to perform both simple and advanced functions from any Internet connection. Don't lose another customer to the competition—get the GOLD HomeBanker^® system from FPS GOLD today.

With the GOLD HomeBanker module you can:

• Display your institution's logo, colors, etc., for greater market recognition.
• Secure your institution with Sockets Layer connections.
• Monitor real-time user access.
• Print account summaries.
• View, print, and search deposit and loan account history.
• Transfer funds to and from deposit accounts.
• Make loan payments and advances.
• View check images with the FPS GOLD Check Imaging system.
• Pay bills with the FPS GOLD Bill Payer system.

Your customers can also send wires through your bank's Web site if your bank uses this feature. EFT GOLD™ software notifies wire personnel when inbound or outbound wire transfers are pending approval and allows for the approval or disapproval of each one. This software also lets you print wire transfer information, view past wires, post recurring wires, and correct the account numbers of inbound wires that fail.

EFT GOLD also has the unique ability to automatically apply debits and credits to customer accounts once the wire is approved within the program. EFT GOLD is the only program you need to quickly wire your customers' money. Once money is sent, it only takes a few minutes for it to arrive in the intended account.

EFT GOLD is protected by a progressive security system within GOLDVision. This security system determines operator access and is set up by your institution's security officer.

The reports, generated from the Deposit, Loan, and General Ledger Systems, provide in-depth summaries of your bank’s current financial situation.

The EIS uses a PC program that can create graphs and charts based on your data, link to other existing reports, and provide historical information. This information allows you to make accurate, easy comparisons between past and present statistics. With so much valuable information, it will be the first report you’ll want to review each day!

The File Transfer Utility gives you the ability to perform several unique functions, including the ability to upload text files to the Reports Warehouse so you can view them in GOLDView. The File Transfer utility features a FlatFile Wizard, Data Staging Scheduler, and Data Staging Area to simplify text conversion and the processes of downloading and storing reports. The File Transfer Utility functions as a stand-alone PC product, or it can be accessed via GOLDTeller^® software.

With the File Transfer Utility you can:

• Convert delimited text files into fixed-length formats through the FlatFile Wizard.
• Schedule files to be downloaded or uploaded from the host with the Data Staging Scheduler.
• Display/hold files for upload or download for seven days within the Data Staging Area.

The G/L GOLD General Ledger System from FPS GOLD makes bookkeeping a simple task. G/L GOLD helps you handle every aspect of your bank’s accounting process with unparalleled ease and accuracy.

With the G/L GOLD General Ledger System, you can:

• Design your own data entry screens.
• Create, view, and print organizational charts.
• Add, delete, and direct cost centers to responsibility centers; then direct responsibility centers to each other.
• Run financial reports for a responsibility center or any combination of cost centers, all at no additional charge.
• Create standard reports that show detailed general ledger entries.
• Create custom reports to display actual and budget balances, calculate variances and ratios, and more.
• Graph account balances and merge with other graphs for comparison.
• Download data to printers, word processors, or spreadsheet applications.
• Create back- or forward-dated batches of transactions and have them reversed automatically on the first day of the next accounting period.
• Create multiple budget plans for use in comparative reporting.
• Integrate with the following FPS GOLD^® banking systems:
  • Loan System
  • Deposit System
  • Accounting System
  • GOLDTrak^® PC Loan Origination System

GOLD ExceptionManager is a PC product that is designed to save valuable time in processing exception items failing to post to deposit and loan accounts through inclearing checks, ACH, ATM, POD, lockbox, and automated loan payments. With this program, you can return checks, post ACH items, and conveniently use the proof-in-one system. After selecting which items to post, you can easily view, report, process, and print customer notices for those items.

With GOLD ExceptionManager you can:

• Return ACH and check items electronically to the Federal Reserve.
• Create charge backs for deposited items.
• Print overdraft, return, and paid notices for customers.
• Post, return, and charge a fee to exception items.
• Print reports of exception items for your records.

The mobile audience includes many demographics you are already serving. However, young people may bank in no other way. With the combined channels of Internet banking, mobile banking, and traditional banking, you may win customers for life. A customer can bank with you no matter where they move after opening a new account.

For banking on the go, GOLD mBanking gives your customers unprecedented access and usability of their financial data. Your customers enjoy all this and more—without the wires!

Features of GOLD mBanking include:

• Immediate anywhere access to account balances and information.
• Time-filtered account history data.
• Individual- and ranged- transaction search capabilities.
• Ability to perform real-time transfers.
• Ability to schedule and modify bill payments.

Not only is GOLD mBanking an exciting new technology, it's also a customer-recruiting tool for your bank! Customers are drawn to financial institutions that promote themselves as secure and technologically advanced: GOLD mBanking targets both of these customer requirements. Customers gain a new branch away from your lobby and away from their personal computer. This new layer of freedom empowers your customers with their own data. The speed, reliability, functionality, security, and flexibility afforded your customers adds value and trust to your brand.

GOLDAcquire also helps protect the integrity of information by eliminating the need for employees to perform the time-consuming task of manually entering data field by field.

GOLDAcquire features include:

• A Windows^® environment with a user-friendly graphical interface (GUI).
• A unique charge system that is based on each loan.

Features of GOLDDocument Imaging include:

• A Windows^® environment with a user-friendly graphical user interface (GUI) format.
• An online help system to access information via keyword searches or a detailed “How to...” section.

Features of GOLDGateway include:

• Access to bank data using a seamless, unified method.
• Quick and easy access to FPS GOLD applications.
• Automatic Logon to each application.

The GOLDMiner data extraction system from FPS GOLD allows you to create custom reports quickly and easily using data from CIF, Loan, and Deposit System files. With this powerful tool, you can automatically mine hundreds of account fields to find the information you need.

Use GOLDMiner with CIF records to market your products to your customers, import information into a spreadsheet or word processing program to create custom letters and mailing labels, or create custom management and audit reports.

GOLDPhone gives your customers telephone access to all of their account information at the touch of a button. Your customers will be able to search, access, and review information on all of their loan and deposit accounts any day, at any time.

FPS GOLD will tailor the GOLDPhone system to meet all of your needs. We'll help you make recordings, change options, and personalize tools, both at installation and in the future.

With the GOLDPhone^® telephone banking system you can:

• Check account balances and overdraft allowances.
• Find out which checks have cleared or have been returned.
• Search history for a single check or within a range of check numbers.
• Stop a check or a range of checks.
• Search history for a specific deposit or withdrawal amount.
• Transfer funds between accounts, from overdraft, or to make loan payments.
• Use 24/7 customer support.
• Access current rates.

You'll also be able to:

• Allow merchant inquiries to see if presented checks will clear customers' accounts.
• Research and review all activity over the online log system.
• Create reports to show account activity or system usage.
• Receive calls transferred from GOLDPhone.
• Create recordings in multiple languages.
• Have menus tailored to your institution.
• Use the recordings provided or make special recordings to inform your customers.
• Promote new products.

If you're looking for the most user-friendly account and customer-service teller program on the market, look no further. You've found the answer with the GOLDTeller system from FPS GOLD. The GOLDTeller system combines teller transactions and functions into one neat package, allowing your tellers to use their PCs to access the warehouse of account information on FPS GOLD's host computer. With the GOLDTeller system, tellers will be able to format screens to their preference and accomplish all their daily tasks with ease and increased speed.

With GOLDTeller, you can:

• Access transactions and amount levels for each teller.
• View customer check images at the teller window.
• Use alterable speed key functions for frequent teller transactions.
• Customize transaction sets.
• Use the keyboard and/or mouse for all functions.
• Verify customers online by signature or photo.
• Save time with features like teller chat and remote override.

In addition to origination functions, the Platform system helps with sales and compensations tracking, calculations, and cross-selling presentations. There’s simply no easier way to create and maintain customer accounts.

With GOLDTeller Platform, you can:

• Minimize input errors.
• Automatically update information in all deposit-related systems.
• Interface with FPS GOLD’s host system to perform host validations.
• Access user-defined help.
• Perform (OFAC) searches.
• Print on customized documents.
• Create and use electronic brochures.
• Track customer sales, loans, and other products.
• Print event letters using laser forms.

GOLDTrak PC is a database system created by FPS GOLD that gives loan processors a tool to track and process loans from origination to closing. It runs on any IBM-compatible PC under Microsoft Corporation's Windows^® operating system, and it can run in stand-alone, networked, and host-based environments. Because the GOLDTrak PC system is so flexible, it can be customized to match your institution's lending needs. GOLDTrak PC also works seamlessly with the FPS GOLD Loan Servicing and Accounting systems by moving loan data smoothly from origination, through funding, and on into the loan servicing area.

GOLDTrak PC helps you use any of the major loan interfaces and gives you the ability to complete the application process online.

With the GOLDTrak PC Loan Origination System, you can:

• Communicate online with credit bureaus, brokers, and customers via fax and the Internet.
• Customize screens to help you originate loans efficiently.
• Handle a variety of loans, from application to closing phases.
• Have stand-alone capability on either a PC or a laptop.
• Store and retrieve data to and from FPS GOLD's host computer.
• Monitor and report on any application at any time.

A separate program called GOLDTrak PC Setup allows you to create loan documents and defaults and to tailor them to your institution's lending practices. Once the loan documents have been created in GOLDTrak PC Setup, they are automatically saved to the GOLDTrak PC program, where you can print, save, and process loan applications. GOLDTrak PC Setup also has security options that can restrict screen access to specific workers according to their areas of responsibility.

GOLDTrak PC was designed with efficiency and ease of use in mind. It features a tree view to the left of the input screen that lets users see program navigation at a glance. Fields are organized and grouped on GOLDTrak PC screens according to their function. The number of fields available for loan programs is virtually unlimited, so institutions can have as many points of data entry as they need.

Whether your institution has one branch or hundreds of branches, GOLDTrak PC gives you the tools you need to meet your loan processing needs.

Tired of storing those endless boxes of paper reports and microfiche? With the GOLDView electronic storage system, you'll have immediate access to stored reports without leaving your PC.

The GOLDView electronic storage system uses a graphical user interface to help you find and view reports stored both online, on FPS GOLD's host computer, and offline on CD–ROM. With the GOLDView system, you'll be able to retrieve, search, print, and export the reports you need.

With the GOLDView electronic storage system, you can:

• Find the reports you want using a graphical interface.
• Use powerful search capabilities that allow you to search for specific data within reports.
• Access both online and offline reports.
• Use page-sensitive print capabilities.
• Use compact report storage—3.8 million pages or 2,000 microfiche on one CD or DVD.
• Archives report monthly for up-to-date accessibility.

WIth GOLDVision, you can:

• Use highlighted critical fields for extra visibility.
• Use easy-to-read screens with organizational tabs.
• Use drop-down boxes that give descriptions and values.
• Use one-click checkboxes for setting options.
• Use Windows-style, text-sensitive help.

With GOLDWriter, you can:

• Perform system and user-defined calculations, sort, subtotal, export results, and view up to 4,000 bytes per row of information.
• Utilize a user-friendly Windows environment.
• Use an online help system to access information via keyword searches or a detailed “How to...” section.

With IRS GOLD, you can:

• Print forms with or without the IRS instructions.
• Continue to store IRS information on the host, within the IRS system, as in the past.
• Easily add and change data and print the forms.