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RATA Comply Brochure

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THE LEADING PROVIDER OFRATA Associates, LLC

COMPLIANCE-GRADE™ SOFTWARE

RATA Associates was founded in 1987 with the primary goal of providing the fi nancial services industry with a cost-effective software and service solution specifi cally designed to reduce the time, cost and compliance burdens associated with the Home Mortgage Disclosure Act (HMDA) and the Community Reinvestment Act (CRA) reporting requirements.

John R. WoloshenRATA Associates, LLC founder and Chief Executive Officer

John A. WoloshenExecutive Vice President/COO

John R. Woloshen is highly experienced in HMDA/CRA compliance, banking software and software development in general. His success has been achieved through applied creativity, hard work, attention to detail and an uncompromising insistence on doing the job right. John’s dedication to quality has resulted in a consistently high level of customer satisfaction with all of RATA’s products and services. Before founding RATA Associates, John held executive positions with The Bendix Corporation and American Management Systems.

John A. Woloshen joined RATA Associates in 1989 as VP of Sales and Marketing. For more then 10 years John was in charge of marketing RATA’s DOS compliance software, overseeing the geocoding services department, maintaining 3rd party relationships, and managing various aspects of the business.

In October of 2000, John was promoted to Executive Vice President/COO and was placed in charge of all operations. Since that time, RATA has re-established itself as the technology leader in the Regulatory Compliance arena. RATA’s attention to detail and quality of products is a direct refl ection of both John and his father’s family ethics, values and commitment.

John earned a BS degree in fi nance from Richard Stockton College, NJ and has attended continuing education programs throughout his tenure.

RATA Associates, LLC

AND GEOCODING

WHY JUST REPORTRATA Comply

WHEN YOU CAN COMPLY

RATA Comply™

Cutting-Edge User InterfaceComply has been designed to look and feel like industry-standard offi ce applications, so that users are up-to-speed in no time.

Process-Oriented ApproachComply has been designed to use an event-driven process to track your LAR data through its compliance lifecycle.

RATA Enterprise ReliabilityAdvanced Quality Assurance and testing processes have been utilized to ensure that the software is trouble-free.

Built on the .NET FrameworkComply is built on Microsoft’s advanced .NET Framework and leverages its next-generation performance and fl exibility.

Advanced Database DesignComply utilizes Microsoft SQL Server, which provides extensive performance and scalability advantages over competing technologies.

Import Wizard

IMPORTING LOAN DATA HAS NEVER BEEN EASIERImport Wizard

Comply uses a Wizard approach for most aspects of the system to ensure that you get the results intended. With the system’s Import Wizard, you are guided through the process of importing your applications from any origination system.

Define Your Data ImportComply allows you to create Import Defi nitions which defi ne how an origination fi le should be imported into the system. This saves you time when importing data because all fi les are handled properly and consistently.

Data Integrity ChecksThe Import Wizard analyzes the data being imported and provides the user a summary to confi rm the actions performed. The entire process is designed to take the complexity out of importing your LAR data.

Multiple Import Methods Provide FlexibilityThe intelligent Import Wizard provides options for how the fi les should be imported. Users can select the following options alone or in combination:

Add new applications

Update existing applications

Delete applications

Export Wizard

USE YOUR LAR DATA IN OTHER SYSTEMSExport Wizard

The Export Wizard guides you through the process of creating a fi le that may contain any LAR, geographic and demographic data from the Comply system in a variety of formats. This allows you to use your LAR data in other systems for additional analysis, reporting or other data manipulation.

Define Your Data ExportExport Defi nitions allow you to defi ne what data is exported from the system. Any or all system fi elds can be selected for export.

Editing Applications

EDIT YOUR LAR DATA IN A VARIETY OF WAYSEditing Applications

Multi-User CapabilityBecause of the Enterprise nature of Comply, depending on your confi guration, multiple users can edit data at the same time to increase effi ciency and spread out the work load.

With Comply, editing your LAR data couldn’t be easier. You can edit your data using a variety of methods. The software allows for manual changes, partial updates using data imports, global changes of fi ltered subsets and imports of Comply EC corrections from individual branches.

Event HistoryThe Event History keeps track of user activity so that the system administrator can track key changes that have been made to the system.

Single-Application View / Datagrid ViewUsers have the option of viewing their data in the standard Single-Application View or in the Datagrid View with the ability to easily sort and organize their data with the familiar look and feel of a spreadsheet.

Edit Checks

FULL ADHERENCE TO FFIEC EDITSEdit Checks

QCOK Quality IssuesA common problem with Quality edit checks is the fact that many are correct and cannot be eliminated. To solve this, you can use Comply’s advanced QCOK functionality to verify these edits as correct and remove them from future edit reports.

Distribution of Edit Check ReportsFiltered edit reports may be exported in hard copy or electronic form for distribution to branches. Corrections made with RATA’s Comply EC software can be easily imported back into the system to eliminate manual adjustments.

A core function of Comply is adherence to the FFIEC Quality and Validity edit check rules. The XML-based edit check engine ensures full compliance to all published guidelines and allows for easy updating based on regulatory changes.

Filtering

Save FiltersThe Comply system allows you to save Field Filters and Advanced Filters so that they can be easily accessed at a later time. No need to redefi ne complex criteria.

EXTENSIVE SEARCH AND FILTERING CAPABILITIESFiltering

With Comply, it has never been easier to fi lter and search through your LAR data.Data Manager – Filter your data by Reporting Entity, Region(s) or Branch(es).Time Filter – View your LAR data by month(s), quarter(s) or any custom date range.Quick Find – Find your applications based on a single LAR fi eld and value.Field Filters – Easily create queries using multiple LAR fi elds and logical conditions.Advanced Filter Wizard – Granular search capabilities based on multiple select criteria.

•••••

Wizards

IMPORT / EXPORT / FILTER / REPORT / MAP / SUBMITWizards

Comply’s Wizards guide you through multi-step processes, eliminating user error. Whether you are Importing, Exporting, Filtering, Reporting, Mapping or Submitting, you are only a Wizard away from your desired result.

Geocoding

SEAMLESS ACCESS TO COMPLIANCE-GRADE GEOCODINGGeocoding

Comply offers seamless access to GeoPlus, RATA’s premier Compliance-grade™ geocoding solution for Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) reporting requirements.

WEB SERVICES MAKE IT A SNAPThe Geocoding Process in Comply

RATA’s premier GeoPlus Compliance-grade™ geocoding service has proven itself to be the industry standard. GeoPlus affords an economical means of obtaining the highest quality geocoding results possible. By using a multitude of geocode data sources, CASS certifi ed automated standardization, as well as, highly trained geocoding personnel to manually standardize and interactively correct the diffi cult addresses, GeoPlus ensures that the best quality result is returned for every address.

Seamless IntegrationComply offers seamless integration with GeoPlus. When exporting data for geocoding, eligible address data is encrypted using 128-bit AES encryption algorithms and transmitted to RATA’s geocoding server. Once geocoding has been completed, Comply’s live update feature will retrieve, update and complete the geocoding process.

Analysis

MAKING SENSE OF IT ALLAnalysis

Analyzing your HMDA/CRA information has never been easier. With Comply’s advanced reporting functionality, critical reports and statistics are only a few clicks away.

FFIEC Disclosure Tables

Offi cial Regulatory Reports

Loan Summary Reports

Custom Tables Reports

Charts and Graphs

Peer-2-Peer Analysis

Performance Evaluation (PEV) Reports

Mapping

A PICTURE IS WORTH A THOUSAND WORDSMapping

Comply’s powerful mapping engine allows you to create a variety of maps to illustrate lending patterns and trends. Map features within Comply can be customized to suit your individual requirements.

Geographic Service AreasDefi ne Geographic Service Areas or Offi cial Assessment Areas to the tract level and illustrate the associated income or minority levels.

Application Dispersion MappingUsing the Geographic Service Area as a base, loan information can be plotted as a thematic layer.

Single Application MappingProperty location for a single address is highlighted on a street-level map.

Submission

CHECK TWICE, SUBMIT ONCESubmission

Comply uses a Wizard approach for the submission process to facilitate a 100% successful submission of your LAR data on the fi rst try. By using preemptive logic and a guided path, the Comply Submission Wizard prevents routine mistakes and the possibility of submitting erroneous data.

Check TwoAs the Submission Wizard guides the user through the process, the user is required to acknowledge that key steps have been completed prior to creation of the submission fi le. These virtual checks are recorded in the Event History to provide accountability.

Check OneThe Pre-Submission Sentry quickly audits your LAR data to ensure that four key elements required for submission have been successfully completed. If any of these elements fail, the submission is postponed until corrections are made.

The FFIEC encryption engine has been integrated into Comply. This eliminates the need to use any programs outside of Comply to complete the submission process and ensures that your data is safe to submit via e-mail or other delivery methods.

Enterprise Features

SCALABLE, RELIABLE AND FLEXIBLEEnterprise Features

User TypesThe Comply administrator can assign various User Types based on the user’s responsibilities. These User Types include: Administrator, Power User, Standard User and Analysis User.

ScalabilityComply can be installed as a Desktop, Client/Server or Business Server confi guration to meet an institution’s needs.

Due to the scalable Enterprise design architecture of the Comply software, it can be easily tailored to any institution regardless of size and/or confi guration. Whether utilized as a single or multi-user tool, Comply can effi ciently and reliably solve your compliance needs.

THE GLUE THAT HOLDS IT TOGETHERCustomer Support

RATA Associates strongly believes that a software solution is only as good as the support behind it. RATA strives to exceed the customers’ expectations in every way. To meet this challenge, RATA supports Comply in multiple ways.

Telephone SupportRATA Associates prides itself in providing top-notch telephone support. When you call for support, you will always talk to a person that can evaluate your issue and fi nd the best support resource to deal with your situation. Fast and effi cient responses by qualifi ed people!

Annual User ConferenceThey say that it all comes down to the “RATAtude”, and the best place to experience the true RATAtude is at the Annual RATA User Conference. The User Conference offers training, networking and client input into new features and future development paths.

On Site TrainingFor larger institutions that would like a more personal touch, RATA is proud to offer on site training. These one or two day events can be customized to meet your institution’s unique operational methods.

Customer Support

Comply Support Web SiteThe RATA Comply web site has been designed to be both informative and productive. On the support site, you will fi nd Technical Information, Questions and Answers, Resource Documents, Product Downloads and much more... This is one web site that you will defi nitely want to add to your Favorites!

Web-Based TrainingAlthough the Comply software is extremely easy to use, RATA offers free web-based training to help you get the most value out of your system. Training is hosted by a qualifi ed instructor and is facilitated in real-time using a web-based demonstration software.

Basic, Intermediate and Custom courses are available.

Customer Support

System Configurations

IMPLEMENTING THE RIGHT SOLUTIONSystem Configurations

Whether your institution is large or small, high volume or low volume, centralized or de-centralized, there is a Comply system to perfectly meet your needs. We know that every institution is different, and therefore, has slightly different needs. Our technical staff will gather information from both your Compliance and IT departments to help you fi gure out the best confi guration for your unique needs.

System Requirements

WHAT’S NEEDED TO RUN COMPLYSystem Requirements

Desktop Version: Client PC · For use with: Comply™ Lite / Standard / Professional

System Hardware Requirements

Processor: 800 MHz - 1.0 GHz Intel Pentium III-class Minimum; 2.0 GHz Pentium 4 or higher

Recommended

Memory: 512 MB RAM Minimum; 1 GB RAM Recommended

Display: 800 x 600, 256 colors Minimum; 1024 x 768 or higher-resolution, 32-bit color

Recommended

Hard Disk: 1.5 GB of available hard disk space Minimum; 2 GB Recommended

Drive: CD-ROM or DVD-ROM drive

Mouse: Microsoft Mouse or compatible pointing device

Network: WAN/LAN connectivity to Host PC: 256 Kbps Minimum; 100 Mbps Recommended

Internet Internet functionality requires access to dial-up or broadband Internet access

System Software Requirements

OS: Microsoft Windows 2000 with SP4, Windows XP Professional with SP1 or later

Other: Microsoft .NET Framework v1.1 (included with Comply installation)

Desktop Version: Host PC · For use with: Comply™ Lite / Standard / Professional

System Hardware Requirements

Processor: 800 MHz - 2.0 GHz Intel Pentium 4-class Minimum; 3.0 GHz Pentium 4 or higher

Recommended

Memory: 512 MB RAM Minimum; 1 GB RAM Recommended

Display: 800 x 600, 256 colors Minimum; 1024 x 768 or higher-resolution, 32-bit color Recommended

Hard Disk: 2.5 GB - 5 GB of available hard disk space Minimum; 4 GB - 15 GB Recommended

Drive: CD-ROM or DVD-ROM drive

Mouse: Microsoft Mouse or compatible pointing device

Network: If serving remote clients: 10 Mbps Ethernet Minimum; 100 Mbps Recommended

Internet Internet functionality requires access to dial-up or broadband Internet access

System Software Requirements

OS: Microsoft Windows 2000 with SP4, Windows XP Professional with SP1 or later

Database: Microsoft Data Engine 2000 (MSDE; included with Comply installation); SQL Server Optional

Other: Microsoft .NET Framework v1.1 (included with Comply installation)

Client / Server Version: Server · For use with: Comply™ Enterprise Lite / Enterprise Std. / Enterprise with Business Server

System Hardware Requirements

Processor: 2.0 GHz - 3.0 GHz Intel Pentium 4-class Minimum; Dual 3.0 GHz Intel Xeon or higher Recommended

Memory: 2 GB - 4 GB RAM Minimum; 2 GB - 8 GB RAM Recommended

Display: 800 x 600, 256 colors Minimum; 1024 x 768 or higher-resolution, 32-bit color Recommended

Hard Disk: 5 GB - 25 GB of available hard disk space Minimum; 30 GB - 250 GB Recommended

Drive: CD-ROM or DVD-ROM drive

Mouse: Microsoft Mouse or compatible pointing device

Network: 10 Mbps Ethernet Minimum; 100 Mbps Recommended

Internet Internet functionality requires access to dial-up or broadband Internet access

System Software Requirements

OS: Microsoft Windows 2000 Server with SP4, Windows Server 2003, or later

Database: Microsoft SQL Server 2000

Other: Microsoft .NET Framework v1.1 (included with Comply installation)


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