The Information Technology, Inc. Asset Liability Management (ALM) system enables financial institutions of all sizes to perform financial analysis using PC technology, with the ability to automatically extract accurate data from your database.

ALM features state of the art control in a Windows^® based environment. Whether the objective is interest rate shock analysis, gap management, or growth projections; extensive graphics capabilities and online reports provide an easy means to examine and analyze the data.

Over fifty online color graphs address virtually every element of financial planning. These
can provide valuable information for management or board meetings in an efficient, easy
to read format.

ALM with its client-server technology, provides a logical advancement for users of the Information Technology system. ALM incorporates all of the elements which make strategic planning an integral part of every institution's financial future.

· Data extraction · Graphical user interface · Maturing and repricing information · Automatically extracted General Ledger   balances and budgets · Online reporting client-defined schedules for   projection and analysis

· Automatically updated General Ledger budgets · A yield curve simplifies the entry of   projected rates · Fair value calculations are   available for FASB #107 reporting · Reports and graphs can be directed to any   attached printer · Full range of gap management, rate sensitivity   analysis, future projections and reporting   capabilities

The ALM System has the capability to simultaneously analyze the financial effect of changes
for three completely different timelines.

Each schedule is made up of 15 reporting periods, defined in weeks or months. The ALM system automatically determines 'before' and 'after' periods, for totals that fall outside the 15 established reporting periods. A start date and the number months comprising each of the 15 periods is the only information required to define a schedule.

The ALM System offers the following standard reports:

· Projected Balance Report · Fair Value Report · Maturity Report · Duration Report

· Interest Rates Report · Repricing Report · New Report · Growth Rate Report

· Rate Sensitive Report · Non-Repricing · Radio Report · Net Income Report

For more on Asset Liability Management, contact
Information Technology, Inc. at 402.421.4207.