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FLEXCUBE - T H E

UNFAIR

A D VA N TA G E

FLEXCUBE is a comprehensive, integrated-yet-modular core banking solution that caters to all the needs of a modern financial institution and its multiple business segments. FLEXCUBE gives you the unique advantage of implementing a single application seamlessly across the organization. FLEXCUBE has been ranked as the No.1 selling banking solution in the world for four consecutive years - 2002, 2003, 2004 and 2005 *. FLEXCUBE has helped customers reduce costs and in turn improve the bottom-line and stakeholder rewards. FLEXCUBE derives its rich functionality from i-flex's extensive experience and expertise as a leading provider of banking solutions. FLEXCUBE comes from i-flex solutions, an SEI CMM Level 5 company, and a world leader in technology solutions for the financial services industry. i-flex offers pre-packaged products, custom solutions, consulting services and offshore development facilities to its customers. i-flex also offers financial institutions customized solutions through its domain and technology Centers of Excellence, which encompass areas such as Business Intelligence, CRM, e-services, Integration Services, Insurance and Payment Systems.

* International Banking Systems (IBS), UK

FLEXCUBE - END-TO-END SOLUTION

The flexible, functional architecture of FLEXCUBE enables it to be deployed across a variety of scenarios depending on the financial institution's business model.

As a Universal Banking solution For broad-based financial institutions with a mix of institutional and retail banking businesses

As a specialized Corporate Banking solution For processing sophisticated corporate banking transactions

As a Specialized retail banking product processor For "retail only" banks that need a specialized high volume transaction processing engine

As a teller platform For institutions that do not wish to replace the back-end core system, but need newer high productivity front office tools to reach out to customers

As a departmental solution for a Savings banks and credit unions For institutions that need a specific departmental solution to serve their niche market segment

As an Internet enabler and EAI platform For large institutions with diverse back end systems running on different platforms and technologies

As a channel solution For Banks that want to provide customers with an integrated and complete range of banking services across multiple delivery channels including ATM networks, callcentres, mobile devices and the internet

As a Virtual Banking solution For start up banks and financial institutions that want to commence serving customers ground up

As a Private Banking solution For handling the wealth management needs of high networth customers in a Private Bank

As a processing solution for Mutual funds For running asset management operations and processing transfer agency transactions

As a Business Intelligence and Data Warehousing solution For an institution that needs high-end analytical tools and a state-of-theart Data Warehousing engine

As a complete solution for a Brokerage house For Internet trading, order routing and settlement requirements

F L E X C U B E K E Y F E AT U R E S

FLEXCUBE is built to run a range of functions: Retail and Corporate Banking, Treasury, Investment and even Mutual Fund operations. It also supports high-end Business Intelligence, Internet banking and offers solutions for Internet Broking. Its contemporary architecture provides the capability to scale your business operations. Empowering you to confidently face the challenges of the Internet economy.

Best-of-breed functional modules enable financial institutions to run all businesses with a single application. A state-of-the-art customer-centric system that offers a single view of the institution's customer regardless of the number of segments and services that are utilized with the institution. A product based architecture, which allows Financial Institutions define new products based on a template format and utilize common services across all modules. Multi-currency processing capability. Multilingual capability provides the ability to handle multiple Some of the key features that FLEXCUBE boasts of include: languages, including complex double byte characters, within the same environment. Real-time monitoring of various limits across a customer's various product exposures. Enterprise wide Data Warehousing capability with a comprehensive set of Business Intelligence Solution Packs for analytics built specifically for functions such as Asset Liability Management, Profitability and Risk Management. Modular architecture allows an institution to procure additional modules as it moves into other business segments. Sophisticated Security Management System with access features at multiple levels. Superior Total Cost of Ownership (TCO) allowing an institution to optimize on its technology investments as it scales its business.

FLEXCUBE - Global advertising campaign, 2000-2004

FLEXCUBE KEY BENEFITS

FLEXCUBE has equipped several banks and financial institutions with the ability to:

Replace old technologies seamlessly with a state-of-the-art n-tier application. Replace multiple disparate and older generation systems with a single integrated multi-product processing application across multiple countries. Streamline operations by integrating the enterprise to existing in-house applications to offer a single customer view. Create a virtual banking operation from ground-up and offer a host of banking products. Enable multiple new delivery channels (Internet Banking, 7 X 24 FLEXCUBE has given our customers the ability to: ATM, Mobile Banking, Tele-banking and Point of Sale Terminals) allowing the bank to reach out to new customers and segments. Move to centralized processing and handle much higher volumes without a proportionate increase in resources or infrastructure costs. Use business intelligence tools to analyze customer needs and create new products and offerings. Build and retain customer relationships based on the strength of customer service capability. Enable and modify product offerings quickly and efficiently based on customer's market needs. Reduce costs, improve bottom-line and stakeholder rewards.

FLEXCUBE - FUNCTIONAL ARCHITECTURE

The flexible functional architecture of FLEXCUBE enables it to be deployed across a variety of scenarios depending on the financial institution's business model.
CUSTOMER DELIVERY CHANNELS
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Internet

Teller

ATM

POS

FLEXCUBE@ Internet Banking Suite PORTAL RETAIL CORPORATE INVESTOR SERVICES BROKER

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3rd Party Interfaces

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CRM Systems

Dealing Systems

Other Systems

S U IT R IT SE EC TY UR ITY SECU RITY SEC URI TY S ECUR IT RI T C S E NAL U R I T Y S E C U R I T Y S E C UF U NY T I OC U R I UR ITY SECU RITY SEC URI TY S ECUR I C Y R I R S Y SECU C U R I TCurrent andU R I T Y S E C U R I T Y S E C U R E U Deposits R Loans U U ITY SEC RIT S C Y SEC R C RSavings Accounts E TY CU Y U RIT U E C U R I T Y S E C U R II T Y S E C U R I T Y S E C U S CU E UR Y SEC C RIT S T E U Bills and Letters I T Y S E of R I Y Foreign CU C ITY SEC SE CU S E C U R CollectionsE C U R I T Y Credit C U R I T Y Exchang E U S C TY S R TY SE SE CURI TY E CU RIT E U R I Y S E C U R II T Y S E C U R I T Y S E C S C T Y AssetC R and S E C U Investor E SE S E C U R I T Y S E C UCashT Y LiquidityU R I TManagem I Services S E URI Y Y S E U RManagement C R I T Y S E T C Y S EC RIT SE URI Y S CU E TY S CU T Y S E C U R I T Y S E C U R II T Y S E Y SE I T C Y R UR SE C MON S T Y S E C U R I T Y S E C U R II T Y C O MU R I T Y FA SE CU Y S TY SEC URIT Y SE CUR ITY E URIT Y S S E RIT I T Y S E C SignatureY S E C U R I T Y S E C R I T Y Y SECU RIT U R Funds Transfer I T Verification S IT EC R TY CU Y U T Y S E C U R I T Y S E C U R II T Y S E C U R I T Y RI TY C RIT U R SE TY Y S U R I T Y S E Workflow T Y S E C U R I T Nostro E C U R I T Y S C EC URI Y CU RITY SE URI R I T Y SManagementT C I Reconciliation SE T RI TY SE CUR ITY SECU RITY SEC URI T U I U ITY SEC RI SE CUR TY C UR ITY SE SE UR TY CU RI I R S EM U R I U R I T Y S E C U R I T Y S E C U R C OY E E CO D U C R C Y RI U IT S CU RITY SEC URIT Y SE CUR ITY SECU R SE C U R I T Y S E CRisk Management U R I T Y S E C U R RIT U ITY SECU RITY SEC UR TY CU EC UR C Y U I SE C RITY SEC URIT Y SE CUR ITY SECU E U R IT SE EC TY CU Y C SE CURI TY S ECUR ITY SECU RIT Y SE CU Management Inform SE CURI TY S ECUR ITY SECU RIT Y SE C SE CURI TY S ECUR ITY SECU RIT Y SE C SE CURI TY S ECUR ITY SECU RIT Y SE S Customer Informa E CU IT Y UR RI SE Y S ECU RITY SEC URIT Y SE CUR ITY SE S CU E UR T Y SEC RI Y SE Y S C U ITY SE RIT Y SECU RITY SEC URIT Y SE CUR ITY S T E T C Y R TY U T Y S E C U R I T Y S E C U R II T Y S E C UGeneral Le S CURI TY S E UR Y SEC RIT S C IT RI U ITY SE E TY ITY SEC URI Y S CUR ITY SECU RITY REVELE
Te c h n o l o g y S o l u t i o n s

Reveleus Data Integrator

Reveleus Mart Builder

Reveleus Insight

Reveleu Active Po

Phone

Mobile Phone

PDA

For detailed information on each topic, refer to the page numbers given alongside.

T SE UR EC RIT TY CU Y T Y S E C U R I T Y S E C U R II T Y S E C U R I M DU ER T T YO S E CLU S I13 Y S E C U R I T Y S E C U R S E T ITY SEC URI TY S ECUR ITY SECU R C RI Y U R TY S E R I T Y S E Loan ApplicationS E C U R Syndication C U R TY CU Loan II T Y S E C U IT SE CURI TY Processing S E C R R TY S U I RI TY SE CUR ITY SECU RITY SEC U E UR U ITY SEC I S n R U R I T Y S E C MarketY S E C UDealer Y IT CU U R T Y Money R I T Y S E C R I T SE ge I U EC UR U ITY SEC S UR ITY SEC RITY SEC UR TY C R TY SE EC URI TY CU CU RI S E C U R I T Y S ESecuritiesT Y S E C RI E CU R ment R I T Y Derivatives I T Y S E C U I T Y S E Y S CU R U E C U R I T Y S E C U R II T Y S E C U R I T Y S S CU E UR C RIT S E U Y ITY S AE C L I R I E Y 12 E C U R I T Y S E C U R I T Y S CI T TS S S CU R IT SE EC TY Y SE CURI TY S ECUR ITY SECU RIT Y U IT R TY I Standing S C U I Electronic R SE CUR TY SE EC Y RI T S E InstructionsY S E C U RMessaging E C U R I T Y T Y S System U E C U R I Y S C U R II T Y CU RIT E Y S EC RIT SE UR TY Y S CU S CU T Y S E C U R I T Y S E C U R II T Y SFixed Assets Expense E E URI Y C R IT S C T Y ManagementT Y S E C U RProcessing E C U R I T SE CURI T ITY S U TY SE URI Y SE CUR ITY EC RI TY SEC URIT Y SE CUR ITY S ECU R I E UT Y 11 E C R I T R TY S ECU I LE S Y S CU R U T Y S E C U R I T Y S E C U R II T Y S E C U R RI TY S CU E T C R I Clearing U R S RI TY SE CU ITY SEC RITY SE U I SE CUR TY CU RITY SEC U R TY I SE RI TY SE CUR ITY SECU RITY SEC U U I C Y U SE mationTSystem C U R I T Y S E C U R I T Y S E C UR I Y SE E UR ITY SEC RIT R S C CU RITY SEC UR U E TY U ITY SEC RITY SEC URI TY S E C R Y SECU RITY SEC URI Y S CU RIT ation System SE EC RIT TY CU Y U E C U R I T Y S E C U R II T Y S E C U R I T Y S EC URIT Y SE CUR ITY S ECU RITY S S E T Y C SE CURI TY S ECUR ITY SECU RIT Y S edger R I S CUR TY E U CU RIT S C I SE E TY Y SE CURI TY S ECUR ITY SECU RIT Y U IT I S CUR TY C R SE UR TY I SE E Y E U S 20
Business Analytics

INSTITUTIONAL DELIVERY

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ACH

SWIFT

GIRO

CENTRAL BANK REPORTING

ZENGIN

CLEARSTREAM / CEDEL

RATE FEEDS

us ortal

Customer Relationship

Risk Management

Performance Measurement

CORE MODULES

FLEXCUBE - CORE MODULES

The core modules form the foundation of the product.

General Ledger

User-definable multi-currency General Ledger, that supports unlimited levels for account consolidation and reporting. It provides the flexibility to define the Chart of accounts and offers multiple views of the information based on the multiple reporting structures.
Customer Information System

Captures and maintains all relevant customer information and provides a detailed profile of the customer's relationship with the bank and of the relationships between customers. The ready-availability of critical information provides support for CRM, relationship marketing and cross-selling of products and services.
Management Information System

Provides comprehensive reports at several levels including customer, product, business segment, branch and bank-wide. Third-party report generator tools can also be used to meet ad hoc reporting and query requirements.
Risk Management

Provide powerful on-line, centralized tracking of multi-currency customer limits across the customer's exposure.
Clearing

Handles complete clearing and check operations and generation of related reports.
Other Core Ser vices

FLEXCUBE's unique product definition concept allows all modules to create new products with minimal time-to-market using these common services. The common services subsystems include: Interest, Charges, Commission and Fees Brokerage Tax

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F L E X C U B E - C O M M O N FA C I L I T I E S

S i g n a t u r e Ve r i f i c a t i o n

An image capture and retrieval component, which can be used for on-line and back-office signature verification.
F u n d s Tr a n s f e r

The Funds Transfer module handles the entire gamut of inward, outward and inhouse foreign and local currency fund transfers and payments.
Standing Instructions

Enables automatic execution of customer instructions, such as funds transfers or sweeps, at periodic intervals.
Electronic Messaging System

Handles outgoing and incoming messages through various media like Mail, Telex, and S.W.I.F.T. Additional media can be supported by the Media Control System.
Wo r k f l o w M a n a g e m e n t

Allows the bank to define the complete workflow mechanism and complex processing rules on the basis of task and role definitions, thereby enhancing the efficiency of banking processes. This works with document and image management system to track collaterals and documents.
Nostro Reconciliation

Reconciles balances and transactions reported by correspondent banks in their statement of accounts.
Fixed Asset Management

Enables tracking of fixed assets through its life cycle , including events such as depreciation, revaluation, sales/transfer and disposal of assets.
Expense Processing

Automates processes such as preparing expense budgets and recording of all consequent expenses, Credit Limits to vendors, Contract Settlements, and payments to vendors.

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FUNCTIONAL MODULES

FLEXCUBE - FUNCTIONAL MODULES

Current and Savings Accounts

Supports the complete range of Savings, Current and Overdraft accounts requirements. It provides account-level parameterization, while maintaining centralized control.
Deposits

Supports processing of all types of term deposits. It handles the complete processing of deposits through account opening, redemption, renewal, interest and maturity processing.
Loans

Supports commercial loans, retail loans, mortgages and commitments. It processes the entire lifecycle of loan and mortgage contracts. It also provides for collateral management and lifecycle management through reminders processing and classification of non-performing assets.
Loan Application Processing

Processes loan applications through the various stages of appraisal and recommendation to final acceptance. It can interface with credit-scoring and rating systems to validate credit ratings.
Loan Syndication

Enables a bank to handle the syndicated loan processing, disbursal, and tracking in various capacities such as a lead bank or a syndicate member.
Bills and Collections

Complements the Letters of Credit module, to provide a comprehensive Trade Finance solution. It supports the processing of all types of bills, both domestic and international. It handles the processes required for negotiation, acceptance and/or discount of bills.
Letters of Credit

Supports processing of all types of documentary and clean Letters of Credit and guarantees through the entire lifecycle of the contract. Advices and confirmations applicable for each event are also generated automatically. Messages can be generated through S.W.I.F.T, Telex, Mail or any other compatible medium.

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Foreign Exchange

Supports processing for all foreign exchange transactions such as spots, forwards and swaps. Real time currency positions are maintained for transactions entered in the system and can be viewed on-line.
Money Market

Provides support for all money market transactions involving borrowing and lending with corporates and central banks and handles all instrument types.
Dealer

A front-office module that handles treasury dealing and integrates with major information providers and provides a hand-off to back-office systems.
Cash and Liquidity Management

Enables a corporate customer to manage liquidity in a most effective manner. Supports notional pooling and reallocates expense and income interests based on parameters that are defined by the bank for that particular customer or account category across his multiple accounts.
Asset Management

This enables the bank to set up funds and invest in various instruments like Securities, Money Market Placements and Loans. All activities during the fund's lifecycle, such as subscription, redemption, dividend payments, and corporate actions can be efficiently managed through this module.
Derivatives

Processes a wide range of derivatives transactions, including Forward Rate Agreements, Interest Rate Swaps, Cross Currency Swaps, and Exchange Traded Derivatives such as Options and Futures on currency commodity, interest rate and equities.
Securities

A comprehensive securities deal and a life cycle processing system. It enables the bank to capture details of the security deals entered at the front-office, process deals and track the life cycle events of holdings in its own or customer's portfolios.

CUSTOMER DELIVERY CHANNELS

FLEXCUBE - CUSTOMER DELIVERY CHANNELS

FLEXCUBE boasts of a complete range of sophisticated customer delivery systems - from traditional branch banking to ATMs, Telebanking, Mobile Phones to POS Terminals, and the Internet.

Te l l e r

A completely integrated front-office transaction processing system and teller platform. It fully supports cash vault operations, denomination tracking and cash balancing. The branch system also supports specialized front-office devices such as passbook printers, document printers and MICR encoders.
Internet Banking

Provides the complete range of banking services over the Internet, including funds transfers, bill payment, and investment services.
AT M N e t w o r k I n t e r f a c e

Processes on-line a complete range of transactions from ATM networks, as well as the VISA and MasterCard network.
POS/Debit Cards Network Interface

This supports a full range of POS transactions originating at various merchant outlets, including purchases, merchandise returns and enquiries.
Te l e b a n k i n g / C a l l C e n t e r I n t e r f a c e

FLEXCUBE interfaces with Interactive Voice Response (IVR) and CTI systems to provide a full range of banking services over the telephone.
Mobile Devices

Provides a range of banking services over WAP and SMS devices.

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F L E X C U B E - T H I R D PA R T Y I N T E R FA C E S

FLEXCUBE has the ability to interface seamlessly with multiple diverse and specialized application-specific systems, such as CRM systems, Treasury front office systems, credit scoring and analytical systems, portfolio management systems and credit card payment systems.

FLEXCUBE - INSTITUTIONAL DELIVERY

FLEXCUBE can support information exchange to a number of institutional delivery channels and interfaces such as clearing houses, payment systems, central banks and networks like S.W.I.F.T, Cedel, Euroclear/Clearstream, and multiple news and rate feed providers such as Reuters and Telerate. It can also interface with the stock exchanges for straight through processing of trade transactions.

FLEXCUBE - TECHNICAL ARCHITECTURE

The state-of-the-art n-tier architecture has the capability to handle high volumes of transactions, from a large number of users across multiple channels and modules. The architecture ensures a consistent performance and provides very high response time. This gives the institution the ability to scale up its businesses efficiently and optimally.

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FLEXCUBE INVESTOR SERVICES

FLEXCUBE Investor Services

FLEXCUBE Investor Services is a comprehensive customer servicing solution for Mutual Funds. It automates the entire Transaction Processing, Registry and Transfer Agency functions within a Mutual Fund company. FLEXCUBE Investor Services consists of three components: Fund Administrator - this is the heart of the system and performs core functions that render tremendous ease in defining key parameters while creating and administering the fund. Registrar - this acts as the transfer agent for the fund, handling dividend processing, generating account statements and processing certificates based on information received from the Fund Administrator. Branch - this functions as the distribution arm and enables the funds to reach out to effectively service investors across investment centers. It does this by providing them with the facility to trade with on-line real time information that is provided across the counters. The Branch is a web enabled component that simplifies the distribution of Mutual Funds as it can be deployed quite easily and effectively, reducing infrastructure costs. FLEXCUBE Investor Services can be easily deployed in the following models: In-house Registry Operations Outsourcing services for Transfer Agency and Registry Operations Private Banking Services Master - Feeder Approach (distribution model) Fund Super Mart (aggregation model) Thus, FLEXCUBE Investor Services helps a Mutual Fund company create an automated Network of branches and provides investors the convenience of 'Anywhere Transacting'. It enables effective fund distribution, efficient management of intermediaries and speedy handling of investor transactions and queries. In addition, the Mutual Fund company obtains a high degree of operational control, which translates into providing efficient investor services with greatly improved transaction turnaround time. These factors in turn help a Mutual Fund company in effectively marketing its funds and expanding its investor base.

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FLEXCUBE @

FLEXCUBE @

The FLEXCUBE @ solution helps create a complete Internet experience for your corporate and retail customers. It delivers powerful banking functionality right at the customer's desktop and over a complete range of delivery channels and mobile devices. All the functions that a customer can perform at a branch can now be performed conveniently from home or the office. With FLEXCUBE @, the customer can:
Operate Accounts On-line

Provides anytime, anywhere and up-to-date information on all customer accounts. It allows the customer to check account status, account balances and get a snapshot of the recent transactions performed. The customer can also make routine enquiries and requests, such as ordering a check book, statement requests, Forex rates or interest rates inquiries.
E x e c u t e F i n a n c i a l Tr a n s a c t i o n s R e a l - t i m e

FLEXCUBE @ allows customers to transfer funds between accounts, open term deposits, make loan repayments or stop checks. The customer can check card accounts and make payments for them on-line. With customers performing these transactions on-line, the branch is relieved of a significant operational burden, allowing the bank staff to focus on more pressing banking needs.
Pay Bills - Electronic Bill Presentment and Payment

The Electronic Bill Presentment and Payment (EBPP) Engine of FLEXCUBE @ enables payments to merchants and towards utility bills. It helps the bank to upload bills from the merchants into the bank network and present them to the customer.
Plan Investments and Mutual Funds On-line

It allows customers to manage their investments, by buying and selling mutual funds, viewing portfolio holdings, getting details of transaction activity and maintaining transaction bank accounts. It also provides information on funds, Managers, financial calculators, performance, fund history and NAV movement.
Tr a d e S e c u r i t i e s O n - l i n e e - B r o k e r a g e

FLEXCUBE @ allows the customer to buy or sell securities on-line. Supplemented by powerful Order Management and Portfolio Management functions, FLEXCUBE @ addresses the need of discerning individual to be able to trade securities from their desktops.
Initiate Complex Commercial Contracts On-line

FLEXCUBE @ allows corporate customers to execute various transactions that would normally require a visit to the branch, such as initiating Letters of Credit, Bank Guarantees or Inter-Bank Fund Transfers.

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Reveleus

i-flexs Analytics and Business intelligence division - Reveleus provides the industrys only metadata-driven information management infrastructure, coupled with a suite of integrated analytical applications for the financial services industry. The Reveleus business intelligence platform is designed to provide organizations with innovative ways to manage costs, mitigate risk exposure and increase trust in information through its suite of information management products and services.
The Reveleus Product Family Te c h n o l o g y S o l u t i o n s

Unique Approach - Reveleus Unified Metadata provides a comprehensive, metadata-driven, web enabled, and fully customizable end-to-end data warehouse and business intelligence solution. Reveleus Unified Metadata layer enables enterprises to centralize common business definitions. Furthermore, Reveleus Unified Metadata actually generates the downstream structures needed by business users from the same common business definitions, ensuring consistency across all information stores. Reveleus unified metadata improves quality and consistency of information, thereby helping organizations reduce risk and improve efficiencies. Data Extraction - Reveleus Unified Metadata begins adding value at the Data Extraction stage, where Reveleus Integrator extracts data from multiple RDBMS and mainframe source systems, provides data quality checking, and enables automated scheduling of extracts. Reveleus abstracts the technical information about data into business terms, thus building the foundation for metadata-driven analytics. Data Mart Generation & Management - Reveleus Data Mart Builder utilizes common business definitions to generate downstream stores to satisfy end user requirements.

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Reveleus

Querying & Reporting - Reveleus Insight provides the worlds first warehouse structure-aware query tool that enables business users to find information across all types of data sources, from cubes to marts to the data warehouse itself, by using common business terms and relying on Reveleus to figure out where the data resides. Information Delivery - Reveleus Active Portal facilitates the delivery of knowledge to business user touch points where it can be acted upon most quickly. Active Portal facilitates easy access to information from one place, and enables collaborative sharing of knowledge and insights with colleagues.
Business Analytics

Reveleus Business Analytics are pre-packaged analytical applications that provide deep subject-area analytical expertise across a broad range of departmental needs, and are easily extensible to meet customer specific requirements. Reveleus Business Analytics combine pre-defined business data models and pre-configured analytical domains, with a variety of information delivery constructs like reports, key performance indicators, dashboards and tickers. Available on an off-the-shelf basis, these Business Analytics enable complex analyses in a far shorter timeframe than that required when building ground-up analytic solutions. And because Reveleus analytics are built on Reveleus Unified Metadata, users can inherently combine views across functional groups, so that a marketing executive can factor in risk and profitability metrics when planning up sell campaigns. Reveleus Business Analytics solutions include: Customer Relationship, Risk Management, and Performance Measurement.

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COPYRIGHT (C) 2006 i-flex solutions


All rights reserved. No part of this work may be reproduced, stored in a retrieval system, adopted or transmitted in any form or by any means - electronic, mechanical, photographic, graphic, optic recording or otherwise, translated in any language or computer language, without the prior written permission of i-flex solutions. Due care has been taken to make this document accurate as possible. However, i-flex solutions makes no representation or warranties with respect to the contents hereof and shall not be responsible for any loss or damage caused to the user by the direct or indirect use of this document. Furthermore, i-flex solutions reserves the right to alter, modify or otherwise change in any manner the content hereof, without obligation of i-flex solutions to notify any person of such revision or changes. This announcement contains forward-looking statements regarding platforms to be supported. General availability, prices, final functions, ordering information, and terms and conditions will be provided when the actual products are announced. FLEXCUBE 03/06: This is the current version of the document which supersedes all other previous versions. The contents are subject to change without prior notice. i-flex and FLEXCUBE are registered trademarks of i-flex solutions. Reveleus, Daybreak and PrimeSourcing are trademarks of i-flex solutions and are registered in several countries. All company and product names are trademarks of the respective companies with which they are associated.