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    Fiserv Europe Ltd.
    7 Roundwood Avenue
    Stockley Park, Uxbridge
    Middlesex UB11 1AX
    England
    Tel: +44 (0) 208 833 3000
    Fax: +44 (0) 208 833 3030
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    Signature from Fiserv is a comprehensive information processing solution for full-service financial institutions. Signature is designed for all sizes of financial institutions. This capacity is evident in the system's capability to define up to 999 product types per application and 99,999 cost centers. All system configurations – from organizational structure to product definitions – are maintained in the Common File. Customization can be as detailed as the bank desires as Signature provides source code to its clients. Signature provides financial institutions with options of real-time processing, memo posting, or a mixture of the two.

    Core Assets
    The Loan Module is a common loan system that is the foundation for all lending instruments established by your institution. It combines commercial, real estate, and real estate lending applications into a single comprehensive module. For this reason, your institution can offer a broad range of products that incorporate features from many of the "traditional" loan products. Features available include adjustable rate mortgages, construction loans, participations, student loans, credit line accounts, check credit loans, and dealer paper.

    The Collateral Module through CIF incorporates all functions, reports, and processing necessary to manage collateral handled by your organization. Available for your organization's daily collateral operations are functions and reports that enable you to add, maintain, delete, and display collateral information. Features available include commodity and collateral processing, collateral relationship maintenance, and collateral pooling.

    Core Liabilities
    Core Liabilities represents one of the central elements of Signature. Featuring the transaction and time modules, Core Liabilities is highly scalable and capable of handling up to 999 product types and 99,999 cost centers. All system configurations – from organizational structure to product definitions – are maintained in the Common File. Customization can be as detailed as the bank desires.

    The Transaction Module supports transaction account types to include:

    • Checking
    • Money Market
    • Statement Savings
    • Passbook Savings
    • Club Accounts
    • Repurchase Agreements
    • Sweep Accounts

    Using Transaction, financial institutions can define fee and service charge plans. Signature supports exception handling for return items. Standard account analysis functionality allows the bank to set charges based on account activity, determine waived charges and create account analysis statements. The system also provides an automated Account Reconciliation System to allow flexibility for different customer needs.

    The Time Module enables the financial institution to manage accounts that have fixed terms, such as investments, certificates of deposit and retirement accounts. The bank can set different interest rates, implement service charges, and generate various reports, customer checks, notices and audit confirmations. The bank can link a certificate of deposit to a loan for collateral.

    Signature Statement Designer Extract delivers extensive customer and account information as a data stream for use by third-party statement designer products. This data, in conjunction with the statement designer product, will provide your organization the ability to design highly customized statements that deliver consolidated information in a format that reflects the market image your organization desires. Furthermore this offering provides your organization the capability to merge detailed Signature customer and account information with detailed information from other customer applications, enabling the design of a customer statement that provides a totally consolidated financial relationship view.

    EFT (Electronic Funds Transfer)
    The Signature EFT/Card Management System enables users to employ automated technology to create new products and opportunities for their customers. By providing 24-hour availability of information, EFT systems allow organizations to remain competitive in today’s information age.

    The result of ATM and POS transactions represent opportunities for both a substantial savings and fee income to the bank, by cutting down on the amount of paper the bank needs to process transactions. Furthermore, this is a service that can provide tremendous fee income opportunities, creating increased revenue for your institution. The Signature EFT/Card Management System provides the interface necessary to exchange information between the front-end EFT system, Signature Host Teller System, and the Signature Transaction, Time and Loan Modules.

    MIS/CIF
    Providing customer information and managing that information is one of the most critical functions an organization can perform. By having a clear picture of accounts and customers, financial institutions can ensure that their product mix and customer service offering is aligned with the customer’s needs.

    • CIF
      The CIF Module, which is fully integrated to all other modules, gives the financial institution a complete view of the customer information, to include address/demographic and account information. It also provides the ability to support credit line processing at the customer level, maintain alternate names and addresses, combine statements, track financial statement information, establish customer to customer relationships, and provide information from external applications.
    • ACH Origination
      Automated Clearing House (ACH) Origination enables your institution to receive and originate transactions for one-time or recurring electronic funds transfers. The transactions can be received from other institutions or companies and transmitted to the receiving points you establish, such as the Federal Reserve.
    • FTM
      The Financial Transaction Management (FTM) Module is a comprehensive system designed to assist you in the initial stages of all types of transaction processing. The FTM Module is comprised of three distinct components – item processing, ACH receive processing, and transfer processing.
    • General Ledger
      The General Ledger Module is a fully integrated financial accounting system. The General Ledger Module provides such features as budget tracking and reporting, recurring journal entries, sub ledger accounting, multi-currency reporting, user-defined financial reports, multi-bank consolidated reporting, transaction allocation feature, on-line maintenance and user-definable transaction history retention controls.
    • Safe Deposit Box
      The Safe Deposit Box Module automates all of the functions necessary to maintain your institution's safe deposit boxes. Features include interface to CIF and General Ledger, discount options, billing functions, past-due processing, tax processing, automatic payments, waiting list functions, and transaction processing.
    • Security
      The Security Module controls all access to Signature, dictating what users can access the system and what functions those users are allowed to perform. In addition, the Security Module provides tools for keeping track of all activities performed in Signature.

    Voice Response Unit (VRU)
    Today, most companies greet their customers with pre-recorded menu options to quickly route them to the information or service they are looking for. In fact, callers frequently get the information they need without ever speaking to a human. This is made possible with interactive voice response technology.

    The Fiserv Voice Response System links Signature to the most powerful automated voice response system in the industry - the InterVoice. This system offers innovative PC-based remote diagnostics capabilities for your support staff, and remote account access for your customers.

    Using a touch-tone or rotary telephone, your clients can retrieve all their account information, including balances, interest rates, and loan payment information. They can also perform transfers and receive account statements via fax.
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