Since 1983, Informa Research Services has provided financial institutions with competitive rate data to make effective pricing decisions. As technology evolved, we improved our speed, accessibility, and delivery methods.

Now, Informa Research Services brings you the next technological advancement in your pricing process - iPrice.

Just as the word processor changed how we write letters, iPrice will dramatically refine how your institution prices its products.

iPrice was developed by Farin & Associates, Inc., one of the country's leading authorities on interest rate risk management software and education. After months of analysis and testing, Informa Research Services has joined with Farin to bring you iPrice.

Use of the iPrice software will increase your institution's bottom line and revolutionize your pricing process. We believe this product will increase your net interest margins by 20 to 40 basis points within 6 months of implementation.

For a special invitation to a one-hour online demonstration of iPrice, contact Brian Richards at 800-848-0218 Ext. 48680, or by email at brichards@informars.com.

This demonstration will require access to the Internet and a phone to dial into an 800# conference call.

The one-hour session will show you how Informa can help your financial institution improve its net interest margins by 20 to 40 basis points.

Learn what iPrice can do for your bottom line.

Major Benefits of iPrice

Use of the iPrice software will increase your institution's bottom line. Here are some of the major benefits:

• Combine Informa Research Services data with market rates on "yardstick" fixed income investments, and rates from wholesale funding sources (i.e., Federal Home Loan Banks)
• Provide an interface to your processing systems to gather liability balances maturing plus other data needed for pricing decisions.
• Use rules to suggest new deposit and loan rates, based on movement in the market since the last pricing decision.
• Track your pricing changes and compare them against your peer group.
• Evaluate deposits against your wholesale funding alternatives. iPrice determines whether funding is more cost effective from the wholesale market or from retail deposits.
• Suggest which loans to promote and which to de-emphasize. iPrice identifies which loans in the market survey are well priced and which are poorly priced given their risk and cost characteristics.
• Identify the relationship between your pricing actions and the demand for your products and services. iPrice loads balance roll off, balance recapture, interest rates and competitor rates into a historical database for analysis.
• Provide sophisticated analysis tools to evaluate and track the:
  • Marginal cost of paying up for existing funds and attracting new funds (and how the cost compares to wholesale alternatives).
  • Potential effect of retail leverage strategies, using retail or wholesale funds to fuel loan growth.
  • Effectiveness of CD special strategies against an entire time band of deposit accounts.

iPrice will revolutionize your pricing process. We believe this product will increase your net interest margins by 20 to 40 basis points within 6 months of implementation.

Further Details on iPrice?

What is iPrice?

• A Retail-Pricing Model designed to be used for loan and deposit pricing.
• A Strategic Tool for developing pricing strategies for next month, quarter, or year.
• A Tactical Tool for making weekly pricing decisions.
• A Reporting Tool for analyzing competitor pricing, measuring the effectiveness of prior pricing practices, and distributing results of pricing decisions.
• A way to make pricing decisions quickly, often hours or minutes after receiving market information. Downloaded balances, competitor rates and market rates allow you the time to conduct "What-If?" scenarios and improve your net interest margin.

We feel that the effective use of this product could increase your net interest margins by 20 to 40 basis points within 6 months of implementation.

Using iPrice

To become an effective iPrice user you must get up to speed on the pricing concepts implemented in the software as well as the actual operation of iPrice. Seminars and educational support are available. Implementation of iPrice is conducted by a dynamic team and includes the support of initial and ongoing educational, mentoring, and training programs. iPrice also includes a number of Web based help screens to get you up and running.

The iPrice Product Support

iPrice is a comprehensive software and data acquisition system that allows you to effectively and efficiently price financial institution products.

iPrice Online Support tools are available to all users of the iPrice system. The iPrice support site requires the purchasing institution's user name and password in order to get access to the online forums and software updates.