Your Collision Avoidance System - ACH Financial Risk Management

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“Argos Risk blends credit information, economic data and advanced analytics to highlight business risks.” IBM Business Value Outcomes Case 2011

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AGENDA

• Introductions – Kyle Ray – Brent Siegel

• Customer Profile • Q & A • Recommendations • Questions from the Audience

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CUSTOMER PROFILE

• Kyle Ray, Vice President • First Bank of Dalton

– $190 Million in Assets – 44 Employees – 4 locations in Dalton, Georgia – Founded in 1996 – Argos Risk Online user since 2011

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QUESTIONS

• Tell us about First Bank of Dalton – what you focus on, what your customer base looks like

• When you selected Argos Risk back in 2011 – what were you looking for? Why did Argos Risk seem like a good idea?

• How do you use Argos Risk today? (for example: Alert/monitoring? Underwriting? Exam prep? Board reporting? Running your business? ACH? Vendors?)

• Did you have any surprises when you started using Argos Risk? Unexpected benefit? Did you find out something about a client/prospect that you might not have known about?

• Recommendations/parting thoughts?

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Overview • Company launch ― March 2010 • Developed based on 17+ years experience in credit risk management • Solid product platform for future feature and product expansion • Proven model with initial market verification and acceptance • Multiple product lines • Partner of PAR

Cloud-based, credit risk management and business identity protection. Subscription based solutions that provides an online actionable dashboard and alerts that helps small to medium-sized businesses manage risk and protect their identity.

COMPANY

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Financial Institutions • ACH and RDC • Third Party Senders • MSB’s • Commercial Credit • Vendor Management Programs • Sales and Marketing • Banks Resell Argos Risk • RPA’s

Industry • Over 50 different industries use Argos Risk • Companies that sell on terms • Companies that have key vendors • Companies that are watching their competitors

WHO USES ARGOS RISK?

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ARGOS RISK IS A DASHBOARD SOLUTION

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ABOUT THE FIRST BANK OF DALTON

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WHAT WERE YOU LOOKING FOR?

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WHAT WERE YOU LOOKING FOR? • Current Subscriber Feedback…

– Vendor Management Compliance – ACH monitoring compliance (KYCC) – Notification, monitoring on a variety of customers – Setting ACH limits – Modeling ACH Risk

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HOW DO YOU USE ARGOS RISK?

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HOW DO YOU USE ARGOS RISK?

• Current Subscriber Use Case – Monitor new customers – Monitor HRI – Research for underwriting

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ANY SURPRISING INFORMATION FROM

ARGOS RISK?

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SURPRISES?

• Subscriber Feedback – Bankruptcy – Lawsuits – Executive Changes – Risky Credit – Industry Classification – MSB’s

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LIKES? DISLIKES? RECOMMENDATIONS FOR THE AUDIENCE?

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QUESTIONS?

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WHAT DO YOU GET WITH AN ARGOS RISK SUBSCRIPTION?

• Individual company information – on Originators, TPS and TPS Customers – 20 credit, business, and ACH scores – Access to line item detail and business verification detail – Identification of MSB’s

• ACH modeling of the TPS portfolio – ACH risk modeling of the TPS customer portfolio – Portfolio monitoring – KYC, KYCC, KYCCC

• ACH reporting: limits, volumes, risk scores, returns – Individual business, Consolidated, and Aggregated Reporting

• Revenue generating model • Interface with core and origination system • Immediate Email Alerts on scoring changes

– Alerts on newsworthy and risk centric events • Browser-based, subscription model, no hardware, no software

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CONTACT INFORMATION

Brent Siegel, Vice President

LOCATION

CONTACT PHONE

4600 W 77th Street, Suite 375 Edina, MN 55435

(952) 314-2095

EMAIL bsiegel@argosrisk.com

Visit us at www.argosrisk.com