eCOMMERCE MANAGER (eCM) OVERVIEW

eCommerce Manager, or eCM, is an interactive online lending, marketing and customer service portal that can
increase your financial institution’s loan portfolio, deposits, and profitability.

Six key service features of eCM include:

Buying-Cycle Management - eCM aggregates valuable buying-cycle information for your borrowers, and presents it on
your financial institution’s Web site, specifically:

Search local real estate and vehicles for sale (including auto’s, motorcycles, RV’s and boats)
Search local realtors
Search home builders and dealership inventories (including auto’s, motorcycles, RV’s and boats)
Access home and vehicle valuations
Access vehicle history reports
Access buying guides, comparison tools and financial calculators
Store valuable search information via a secure customer portfolio

Online Applications - One convenient system with intuitive loan applications for:

Consumer loans (including unsecured & all types of vehicles)
Home Equity (loans and lines of credit)
Mortgage loans, (for purchases and refinancing)

Capturing Deposits - eCM allows financial institutions to promote, cross-sell, and open new deposit accounts online,
including:

Identity Authentication for regulatory compliance
On line account disclosures process
Facilitates funding the new account via ACH, transfer from existing account or credit card transactions

Automated Cross-Sales - eCM automatically matches borrower’s needs and financial qualifications to your products,
providing:

Cross sales with quantified cost-savings for high conversion rates and satisfaction
Cross selling of insurance products within application and product cross sell processes
Up Selling to maximize the borrower’s purchasing power
Down Selling to help the borrower optimize their buying power without over extending
Bundling multiple products to increase products per household

Secure Communications - eCM Message Center delivers the ability to:

Securely share personal information during loan processing and closing
Conveniently exchange documentation
Maintain an audit trail of all communications

Community Advertising - a unique social networking platform. eCM’s community advertising functionality allows your
financial institution to connect and promote commercial customers/members online — driving business to them, drawing loan
opportunities from them, generating fee-based income for your Web site, and engaging your local business community in a
way that highlights your financial institution’s role as a community leader.

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