Minimizing Risk is among the many benefits afforded to the CCS Bank client. A primary benefit is the ability to "Safely" make commercial loans based on collateral in addition to real estate. Businesses turn to their Community Banker because they need stable and adequate cash flow but these working lines of credit are very difficult to underwrite without the necessary collateral. The CCS system provides the Community Banker with a safe and secure method to retain these customers who would normally be referred elsewhere. Returns for loans made in the CCS program are stellar, with our Banks averaging 16.5% net/net on an annual basis.

Principal benefits of this program include:

• Cash reserves of 10% to 20% are held for each customer account
• FDIC compliant audits are systematically and randomly performed
• Credit insurance backs each dollar - even in bankruptcy
• FDIC regulated SAS-70 lockboxes control all payment streams
• All invoices are dual screened for legality, availability, and accuracy
• 100% of all invoices are verified prior to funding

Loans made within the CCS program are zero percent, self-liquidating, short-term credit facilities. A 2% to 4% discount fee is charged on all invoices funded by your bank and this income is shared with CCS.

Our Asset Based Lending Program provides benefits that factoring and other lending programs simply cannot offer at costs well below market rates. This service has proven effective in attracting new clients.