EFA Processing

Xware 2.0 is a feature rich, customer relationship management (CRM) solution specifically built for the Debt Settlement Industry. With input from industry pioneers and leaders, Xware was built from the bottom up to meet the specific needs of your business.

Because Xware is a "service," you pay only for what your business needs, and access the system via a web browser and internet connection. You do not have to invest a dime in server hardware and software, databases such as SQL Server, backup and recovery systems, and IT staff to maintain it all. These distractions are handled for you by our expert team, allowing you to focus on your business! All of this adds up to tens-of-thousands of dollars in savings each year, and of course increased sales revenue!

Sales leads are the largest cost consideration facing Debt Negotiation companies. Because of this, Xware provides a robust set of fully integrated tools and interfaces to enable companies to realize maximum return on this vital investment. "Xware is an exceptional product that addresses the critical concern of sales operations - lead management. "

Xware is delivered utilizing the SaaS model. Software as a Service allows you to pay for only what you use, and provides a total solution. Xware customers do not waste their valuable resources buying and maintaining hardware and software. No more worries about servers, software installation, backups, MS Office and SQL licenses, and security. All you need is internet access and a web browser!
- it's all handled for you!

Product Features - Version 2.0

The list below highlights some of the features of Xware

SALES FEATURES

Sales Lead Management

Xware provides you with a very sophisticated and flexible Lead Distribution Engine, allowing you manage your leads how you want them managed. There is no limit to the number of skill levels that can be defined for your sales staff, and each level can have its own set of lead distribution rules and goals, configurable on fields such as debt amount, number of leads received, time periods, leads expected, etc� Leads can we imported automatically via our web services interface from any of your lead vendors, or can be imported from a spreadsheet or csv. file. Leads can also be entered manually into the system. A wide array of reports are also available to manage the process.

Electronic Signatures

Xware has fully integrated Electronic Signatures, allowing you to send your customer enrollment documents via email and have the customer sign them on-line! No more printing, signing with a pen, and faxing! The customer can sign the documents simply by a few clicks of the mouse! This process will shorten your time-to-close ratios, increase revenue, and make the enrollment process painless for your customers. It is secure, legally binding, and simple to use!

Xware partners with DocuSign, the leader in the e-signature market.

Dynamic Custom Forms and Letters

Each user can create their own custom forms and letters, with the ability to have the system automatically insert any data field into the document. Full color and graphics can also be inserted. These dynamic forms and letters can be specified at the individual user level, or created globally for all users to access. This feature is also available for emails.

Electronic Faxing

E-Fax service in integrated into Xware.

Fully integrated Xmail subsystem is included with Xware. This system is web based and eliminates the need for you to purchase and use MS Outlook or Exchange. All of your correspondence is managed within Xware. Email is generated in HTML allowing you to include logos, graphics, charts, etc�

Calendar

Create appointments and set reminders just like MS Outlook.

Tasks

The Task system allows each department to create their own task types, and define their own workflow utilizing the task system. Tasks can be created for individuals, teams, or groups, and are checked in/out of various queues. Each user has their own personal queue in which to track their work items.

Bulk Email Campaigns

Through Xware�s powerful Xmail system, you are able to run fully integrated Bulk Email Campaigns, based on a wide range of selectable criterion.

Workflow Driven Enrollment Process

Rapidly enroll customers using Xware�s simple user interface. Made to work the way you work, following the flow of the sales presentation. Ensures all the required information is captured and program specifics are explained and disclosed. The Xplan Program Calculator automatically generates the appropriate program schedules based on your parameters (plans), including state, and generates the entire Enrollment Package. The EP is then ready to be sent via Electronic Signature, E-fax, or Email.

Xplan Program Calculator and Payment Plans

Immediately generate all the program details based on various payment plans and options, including verbal explanations to aid your staff in explaining the options to your customer. You can define plan components such as fees, installments, and savings, and define how they are calculated and when they are applied.

Notes

Unlimited notes are available and retrievable based on user role and type. Notes can be entered and retrieved from anywhere in the system.

Index Card

The Index Card is a quick overview screen that provides a detailed snapshot of the entire customer account. It is available from anywhere in the system.

Enrollment Package Management

Standard or Customized Enrollment Package is available. All required documents are easily created in Microsoft Word and are dynamically completed for you by Xware. Multiple EP versions are allowed and tracked in detail.

SERVICE FEATURES

Contract Processing

Once a contract is submitted from sales, Xware provides the checklist�s and process tools to allow your staff to ensure that each contract is complete and all documentation has been collected.

Paperless Environment

Full Document Management including document scanning and image viewing is integrated into Xware. All customer correspondence can be stored in the system and is accessible through each customer�s account. With everything online, no paper is necessary.

Notes

Extensive note capabilities are present throughout the system, including an array for predetermined �auto-notes,� that save entry time by inserting the note with one click. Access to certain note types can be given or revoked based on the user profiles (roles).

Customer Accounts

All screens are designed to be easy to navigate for the customer service representative. All data pertaining to a customer account, including all documents and correspondence, is accessible within each customer�s account.

SETTLEMENT FEATURES

Creditor Administration

Full access to all vital creditor data. Xware provides full history of creditor accounts via a tree structure that tracks the life of an account from original creditor through all 3rd parties.

Settlement Activities

Xware provides multiple ways to mine the database for settlement opportunities, with an advanced toolset. Setup and track target settlement percentages by creditor.

Settlement Processing

Automatically generate and send Settlement Offers via various communications methods, including eSignature via DocuSign. Track multiple Settlement Offers per creditor.

Trust Account Administration

Full real-time integration with Global Client Solutions (GCS) provides Xware users with advanced opportunites for settlement, finacial transaction processings, while improving customer retention. (Coming 1Q 2008).

Data Integration

Import settlement offers and data from virtually any source.

Customer and Creditor Communications

Keep in communication with your customers and creditors with integrated eSignature, email, fax, and custom mail templates.

ACCOUNTING FEATURES

Automated Clearing House (ACH)

Imports NSF transactions directly from your bank. Posts NSF fees to customer�s account. Retains batch transaction details. Automatically verifies ABA routing number and populates the bank indemnification information. Imports government financial standard format (NACHA).

Accounting

Accounting support for multiple companies and fee models. Ability for Service and Accounting groups to view and update Scheduled Fees. Ability to assign enhanced access/update rights by roles. Ability to track all posted/paid scheduled fees. Ability to manually create/delete scheduled fee payments. View and manage detailed Scheduled Fee transactions including Total Payment along with specific breakdown of fees. Single view displays the appropriate Scheduled Fees or Contract Details based on the Calculator used to generate the contract. Schedules Fees, Payments, and Tracks Negotiation Payments.

GENERAL FEATURES

Rapid Implementation

Because there is no hardware or software to install, the Xware team is able to setup and configure your business typically in less than five days, depending on the level of customization you require. The majority of our customers are up and running in two days!

Ease Of Use

Xware is simply �simple� to use! All screen�s are designed with countless user input, making navigation intuitive, quick, and efficient. Most users attain proficiency within two days and a great number within hours!

Powerful Search Capabilities

Due to the advanced design of the Xware database and the powerful server architecture employed, searches are fast! Not only fast, but every business related field can be used as a search criterion, and multiple fields can be search simultaneously. Search results can then be sorted on any returned column simply by clicking the column header.

Experienced Support

Included with all our products is access to our SupportCenter. This is a manned support call center, which provides you with live help. Of course, email support and online tutorials are also available.

Reporting

A full array of reports is standard with Xware that cover every aspect of the system and your business. All reports can be viewed on-screen, printed, or exported to MS Excel. Custom reports can also be quickly provided.

Role Based User Authentication and Security

Each user of Xware has a unique user id and password, and can then be assigned one-to-many Roles, which determine what access they have within Xware to various functions. Each Role is defined by you, and there is no limit to the number of Roles. This function allows you to customize system access to best relate to your business structure, workflow, and departments.

Event-Based Automated Emails

Xmail also provides the ability for you to define emails to be automatically generated and sent based on various events that occur in the system. These emails can also be setup to automatically be sent based on rules you define, such as a time interval (ex: every 30 days, etc�)

Affordable Pricing Options

Realizing the pressures of starting up or maintaining a successful business, we have created multiple pricing options that allow you to pay for only the functionality you require. As your business grows, you can add functionality simply by calling the SupportCenter. We partner with you for our mutual success.

Intuitive User Interface

Xware screens are built to flow with your workflow. The system can be tailored to your needs without programming. The fields that appear, the functions and screens, can all be modified directly in the interface without programming. All data that is entered is available throughout the system, eliminating duplicate data entry.

Technology

Our team employs best-of-breed technologies in its hosting centers to ensure you receive the best performance, security, rapid implementation, and state-of-the-art features. Instead of being wed to only one brand of technology, our engineers are continually researching and testing new technologies to make sure we are delivering the best to our customers. Xware is not a �legacy� system. It contains up-to-date object oriented code. It is not version of a previously existing credit counseling system, but was created from the ground up specifically for the Debt Settlement industry, utilizing input from industry leaders and pioneers. Xware is a complete Web-based application, which is 100% �thin.� There is nothing installed on your computer.

XWAREhost

Included with Xware is our hosting service, XWAREhost, which is the backbone of our SaaS delivery model. Through this service, all of your technology headaches, worries, and costs are alleviated. Full backup�s of your data are performed on a constant basis, and are also stored at an off-site facility.Our facilities offer fully redundant fiber internet connections, firewalls, routers, switches, and servers. We have eliminated all single points of failure. All disk storage is either mirrored or RAID enabled and hot-swappable. All operations are monitored 24x7 by our engineers.

Customer Toolbox

The Customer Toolbox is a web interface that allows your customers to real-time 24x7 access to their account information. Customers can update their account information, upload documents, access help films and tutorials, review existing information, and many other helpful features. The Customer Toolbox lowers your servicing expenses by reducing the number of customer calls. The Customer Toolbox can be custom branded to your agency, including colors and logos, and can be easy integrated into your own website. The Customer Toolbox gives the customer the impression that these features are part of your website.