i-Reserve was developed to increase the efficiency and accuracy of an institution’s management of their ALLL. This tool will simplify your current process which is made up of using various spreadsheets and documents to accurately manage your ALLL calculation. We have provided an electronic medium that allows you to determine your General Reserve (FAS5), Classified Reserve, Specific Reserve (FAS114), and other reserves that you have determined to be include in the overall ALLL calculation. Another great benefit of this module is that it provides the ability for you to manage your Impaired loans which will flow the data through to your ALLL calculation. This tool has several great features such as

• Various views to display all of your ALLL data

• Integrates with your Collateral Tracking system

• Provide the flexibility to use several different Models for NOI, Liquation, and Market Adjustments

• Provides a tool for managing impaired loans

• Calculates General Reserves (FAS5) and Classified Reserves based off of Historical loss, Market loss, Risk Rating, and a Other factor

• Calculates Specific Reserves (FAS114) by utilizing the collateral and numerous other factors including models you design

• Provides all the various reports required to adequately mange your ALLL