1. General Features
Synergy provides many standard features, consistently implemented throughout the product, en-
hancing the user experience and improving operational workflow.
General Design Navigation
Dynamic accounting definition Developed with Microsoft .NET Multi-level navigation from a fixed-
On-line GL booking creation with Scalable to seamlessly meet higher size entry page
full-feature drill-down inquiry volumes Left window for function selection
Multi-currency Oracle or Microsoft SQL database Tab strips within main page segre-
Inter-branch Exposed views for local data ware- gates related information in a logi-
house applications cal manner
SWIFT output can be viewed and Details tabs for further data cap-
printed prior to completing entry Integrated with Word, Excel, Acro- ture
Customizable multi-language out- bat for presentation
put to customer Internet or intranet access Optional mouse-less input and
shortcut keys
Customer output via e-mail, mail or Various open interfaces using XML Switch between branches seamless-
fax and messaging middleware ly with appropriate security
Robust inquires and reports with
option to export inquiry results to
Excel spreadsheet User Interface User Administration
User defined local data capture Drop-down finds for all table look- One username and password as-
ups signed to each User
Highlighting of modified infor-
mation Drill-down from filtered inquiry to Convenient Roles and Role Groups
deal data for managing groups of functions
Audit trail, history and automatic
archiving Attachment of electronic files Secure granting of access to specif-
ic functions, roles or role groups
View and print end of day reports Cross-edits to minimize user error for each user
and customer output and conform with SWIFT rules Passwords are encrypted with strict
Reports can be created with Crystal Auto-save feature to save works-in- rules on content, history and expi-
Reports and integrated into Syner- progress ration
gy
On-line help documentation for all Label names on page use common
functions business terminology but may be Operations
customized to your preferences and
Multinational support for dates and your language Monitor for targeted transaction
character sets workflow management and tech-
User profile customization nical status
Installed with your bank’s logo, Open any function in a new win-
colors, documentation and contact User-selectable retention period
instructions dow drives automatic migration of data
to archive schemas
One step to open all applications for
business
Automatic business close and end-of
-day processing at user-selectable
time
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for the Springfield, NJ 07081 USA
international and wholesale finance +1 973 258 0909
market. Visit us at www.psi-nj.com.
info@psi-nj.com

2. Accounts
Synergy Accounts (AC) manages, processes and maintains Demand Deposit (current accounts)
and Nostro accounts, and their conditions, bookings and balances.
Account Creation Fees Value Dated Bookings
All information accessible from Recurring flat fee Unlimited back-value bookings to
one page account, with re-calculation and ad-
Under target balance justment to prior period interest
Earliest posting date to any prior Rate on turnover Forward value-dated bookings
day
Re-open terminated account Per transaction
Local data capture fields Per paper statement Interest Pooling
Per SWIFT statement Calculate and charge interest on net
Attach files to account, e.g., signa- balance among several accounts
ture cards, special instructions Minimum / maximum per period
Each account generates memo inter-
Tax on interest statement est statement for customer use
Account Termination Commission on largest overdraft
On-line account termination VAT calculated and added Risk Management
Settles accrued interest and fees Bookings violating risk management
are sent to limit override queue for
Payment of closing balance to anoth- Account Holders action
er account or via SWIFT
Account holder, shareholder, bene- Overdraft limit per account
ficiary owner, etc. Stop payment validation
Interest Hold and pledged amounts reduce
Conditions established globally balance available to client
Customer Statements Account may be blocked
Separate debit and credit interest
Paper statements produced on de- Support for integration with limit
Allocate income and expense to fined schedule, with or without system
different departments bookings
Market rates, fixed rates and nega- Paper statements printed, e-mailed
tive or positive margins or faxed in any language Transaction and Balance Inquiry
Multi-tiered based on balance SWIFT end of day statements Details or summary information
Back-value adjustments SWIFT intra-day statements Recreate customer statement
Withholding tax calculated and Variety of common filters to isolate
deducted transactions for investigation, with
Interest Change Advice export to Excel
Interest and Fee Payment Customer advised of market rate
Flexible auto settlement schedule change or conditions change via
paper, e-mail or fax, in any lan- Cash Sweep
Manual off-cycle settlement guage Sweep book or available funds be-
Settle to same account, another tween two accounts each night based
account, or via SWIFT on minimum / maximum targets
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for the Springfield, NJ 07081 USA
international and wholesale finance +1 973 258 0909
market. Visit us at www.psi-nj.com.
info@psi-nj.com

3. Loans & Deposits
Synergy Loans and Deposits (LD) manages overnight, fix-term and call loans and deposits, settle-
ment and accounting.
Deal Entry Principal and Interest Payment Deals Maturing Today
Fast entry with one page access to Fixed or variable auto settlement Act on deals maturing today which
all information schedule do not have settlement instructions
Templates for repetitive business All business date conventions sup- Rollover, prolong or settle
ported
Local data capture fields Separate schedules for principal Can act on group of deals together
Back-value or future-value issue and interest possible
Broker commission Settle to any DDA, Nostro or GL Cancel-Reversal
account, and via SWIFT Voids maturity if it occurred
Attach files to deal (e.g., paper
counterparty confirmations) Produces MT103, MT202, Reverses accounting
MT202COV for SWIFT payments
Settle separately or net Sends SWIFT MTn92 as appropriate
Interest Withholding tax automatically cal- Sends SWIFT MT320 cancel as ap-
culated and deducted propriate
Fixed or re-setting Optionally allows amendment of
Market rates, fixed rates and nega- Settle in a currency other than deal maturity
tive or positive margins currency
Income and expense allocated Settle to an account in a different
among different departments branch Risk Management
Deposits can be blocked to prevent
Cost of funds captured disbursement of principal or interest
Interest may be paid at issue, net at Amendment or both, by customer or by deal
issue or paid in arrears Support for integration with limit
Back–value or future-value dated system
All interest bases supported
Confirmed via paper or SWIFT
JPY method
Non-financial amend without cus- Deal Inquiry
tomer confirmation
Matured deals can be amended Variety of common filters to isolate
Deal Confirmation deal if deal number not known
Rollover
Paper confirmation produced upon Current view plus all historical and
entry, amendment, and optionally Prolong future amendments, and payments
on maturity
Historical customer output
Produced in any language
Contains principal and interest
schedule Monitor Back Office
SWIFT confirmation MT320 for Single query for deals entered but
SWIFT member counterparties not completed
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for the Springfield, NJ 07081 USA
international and wholesale finance +1 973 258 0909
market. Visit us at www.psi-nj.com.
info@psi-nj.com

4. Central Tables
Synergy Central Tables (CT) manages all central information such as customers and currencies,
and central processing such as customer blocks and overrides.
Customer Customer Block Central Tables
Fast entry with single page access Block and un-block customer, spe- Market rates
to all information cific deals, and/or specific accounts Currencies and rates
One customer per location, may be Account managers
active in multiple branches Limit Override Calendar
Multiple holders can be identified Override or reject limit check fail-
along with personal information Industry code
ures
SWIFT manual party identification SWIFT Addresses
Override or reject a group of items
Multiple mail addresses, each with based on select criteria Countries
it’s own language for output to the Automatic retry of payments and Customer output translation for
customer at that address bookings words and phrases in multiple lan-
Mailing address printed in the for- guages
mat of the destination country Withholding Tax (standard, local,
Multiple SWIFT addresses Standard Settlement reduced)
Multiple Email addresses Value Added Tax
Instructions
Multiple Telex and Fax addresses Account managers, brokers, traders,
Used throughout all Synergy appli- portfolios, printers, etc.
Link to one or several account and cations
risk managers
Separate instructions for Pay and
Identify customer as subject to Receive Accounting
WHT (different levels) or VAT Establish values for balance sheet
By currency
Track status of customer in your codes, events, movements, tenors
KYC application By branch
Dynamic GL account generation
Attach files to customer (e.g., sig- Can further define by application based on booking and established
nature cards) and product mapping values, used throughout
Enter with forward effective date all Synergy applications
Templates for faster entry
for known forward changes
User-defined local fields for addi-
tional data capture General Ledger Staging
Changes to customer captured and Staging for bookings from Synergy
reported applications to bank’s General
De-activating customer checks to Ledger
ensure no activity in Synergy Inquire into all bookings using up
to 20 filters
Inquiry results available in Excel
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for the Springfield, NJ 07081 USA
international and wholesale finance +1 973 258 0909
market. Visit us at www.psi-nj.com.
info@psi-nj.com

5. Funds Transfer
Synergy Funds Transfer (FT) processes outbound and inbound SWIFT payments, SWIFT mes-
sages, manual batch bookings, standing orders, and automated booking interfaces.
Payments Batch Entry Messages
Fast entry with single page access Enter hundreds of bookings in one Fast entry of SWIFT messages
to all information batch Appropriate tags, suffixes, qualifiers
Automatic creation of SWIFT Book to DDA, Nostro or GL ac- are offered in context of the message
MT103, MT202, MT202COV counts SWIFT tag descriptions displayed
Preview SWIFT payment messages Mixed values dates SWIFT syntax errors displayed im-
and SWIFT or paper advices prior Mixed currencies mediately and message can not be
to update sent
Print batch authorization form
Templates for repetitive entries Preview message prior to update
Cross-currency Inquire by various filters, displays
Inter-branch Standing Orders time of inbound/outbound and orig-
inal message.
Different debit and credit value Automatic, repetitive payment or- Resend previously sent messages
dates with float value management ders
Back-value and future-value Transfer fixed amount from one
Multiple debits and credits in same
account to another on a schedule Inbound SWIFT
entry to DDA, Nostro and GL Payment via SWIFT or internal Inbound SWIFT payments mapped
accounts booking only into Synergy payment entry format,
ready for user review
Global fee conditions for flat or Flexible schedule conditions
rate based fees with minimum/ Inbound SWIFT non-payment mes-
maximum charge and profit center All common business conventions sages stored for viewing and for-
sharing of income User-defined local data capture warded to user-defined printer
Charge to debit account or deduct Inbound MT7XX and MT4XX for-
from credit account or both warded to Synergy Letters of Credit
for automatic mapping and action
Risk management on account over- Nostro Cash Flow
draft limit and account/customer Cash flow analysis by currency,
blocks branch and account Inbound Bookings Interface
VAT on charges Today, next three business days, Automated processing of bookings
User-defined local data capture one month and greater to DDA, Nostro and GL Accounts
Attach files to entry Drill down to source of cash flow from other systems
from Synergy applications and indi- XML-based, using Websphere MQ
Forward execution date possible vidual deals
Can integrate with local risk system Can be expanded to include local
Inquire by various filters and drill systems
down to payment details
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for the Springfield, NJ 07081 USA
international and wholesale finance +1 973 258 0909
market. Visit us at www.psi-nj.com.
info@psi-nj.com

6. Trade Services
Synergy Trade Services (TS) is a complete, front-end to back-end solution for all your Letters of
Credit and Trade Finance operations support for transaction capture, risk and compliance check-
ing, correspondence, accounting, payment, fee generation and customer internet front-end.
Letters of Credit Workflow Management Open Account Trading
Import, Export and Standby Dashboard presents current open Record and track details of transac-
Transfer activity tions between buyer and seller
Assignment of proceeds Drill down to individual transac-
tions for review and action.
Issue and advise General
Amendments Full suite of MT4XX and MT7XX
Presentations Customer Output SWIFT messages
Payments Paper output generated from each Payments via MT103, MT202,
function in PDF format MT202COV, MT210 or internal
Acceptances accounts
Content is fully customizable
Deferred payments Template and copy functions for
Multiple languages supported easy entry of repetitive transactions
Mixed payments
Mapping of SWIFT inbound mes-
Customer Limit sages into transactions for STP
Documentary Collections Integrate with your customer limit Complete accounting, daily accrual
system for on-line customer risk of fees and interest, liability ac-
Import, Export and Direct Collec- management counting
tion entry
Amendment Customer Web Application
Due Diligence
Advice of fate Runs in your institution’s customer
Integrate with our industry- web portal
Acceptance and payment standard filter for on-line validation
of transaction details Customer can issue and amend let-
Filter failure blocks transaction ters of credit and documentary col-
Finance lections
Integrated financing for discount- Customer issuances and amend-
ing of Acceptance and Deferred Inquiries and Reports ments captured for action
payments On-line inquiries with complete set Advice of export letters of credit,
Pre-shipment, post-shipment and of filters to isolate and drill-down to presentation and payment handling
open account financing transaction information
Inquiries and reports on customer’s
Transaction inquiry showing audit activity with your institution
trail and full history of each event
Syndication
Full range of standard end-of-day
Manage syndicated risk as a lead reports included
institution Filtered reports may be generated on
Share fees within a syndicate group -line
Participate in a risk syndication led
by another institution
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for the Springfield, NJ 07081 USA
international and wholesale finance +1 973 258 0909
market. Visit us at www.psi-nj.com.
info@psi-nj.com

7. Trade Services
Muti-bank Corporate Site
Synergy Trade Services (TS) Multi-bank Corporate Site is a hosted, web based solution allowing
customers to exchange payables and receivables data with banks through a single user front-end.
Strict compliance to S.W.I.F.T. and XML standards allows banks and customers to exchange data.
General Finance Data Security
 Full suite of SWIFT MT798 mes-  Integrated financing for discount-  Hosted solution that provides phys-
sages ing of Acceptances and Deferred ical and digital security
 XML file format of all generated payments  No additional hardware or software
and received transaction data  Pre-shipment, post-shipment and required unless locally installed
 Template and copy functions for open account financing requests  ID, password and privileges defined
easy entry of repetitive transac- Workflow Management by customer for each user
tions  24/7 complete system and user
 Multiple language capability for  Dashboard presents current open support
user interface activity
 Customer can apply for letters of  Drill down to individual transac- System Interfaces
credit, enter documentary collec- tions for review and action  Ability to interface seamlessly with
tions and open accounts and  Automatic Email notifications of your ERP, Inventory, Compliance,
amendments work in progress to defined ad- Finance or other systems
 Advice of export letters of credit, dresses  Data exchanges with multiple banks
presentation and payments using SWIFT for Corporates, XML
Document Output or other standardized format
 Inquiries and reports for all activity
 Paper output generated from each  Batch or stream data securely with
Letters of Credit function in PDF format defined systems
 Import, Export and Standby  Content is fully customizable  Collaborative project approach to
 Transfer  Multiple languages capability for meet time, budget and manpower
output and mailing goals
 Assignment of proceeds
 Amendments Due Diligence Additional Features
 Presentations  Integrate with our industry-  Standardized documents across
standard filter for on-line valida- banks, customers and vendors
Documentary Collections tion of transaction details  Complete audit trail of all processed
 Filter failure blocks transaction items
 Import and Export
 Credit approval capability for each  Ability to attach electronic files to
 Amendment entry transactions
 Payment Authorizations  Easy to navigate user interface
Inquiries and Reports
Open Account Trading  Complete financial accounting for
 On-line inquiries with complete each transaction
 Open Account Payables set of filters to isolate and drill-
 Consolidated view of all Payables
down to transaction information
 Open Account Receivables and Receivables activity
 Transaction inquiry showing audit
 Amendments trail and full history of each event  Accessibility from anywhere at any-
 Payment Authorizations time for up-to-date information and
 Full range of reports may be gen- data entry
 Complete correspondence track- erated on-line or printed
ing to any party  PO formatted input and output or
free format for all transaction types
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for Springfield, NJ 07081 USA
the international and wholesale +1 973 258 0909
finance market.
info@psi-nj.com
Visit us at www.psi-nj.com.

8. Service Bureau
Synergy and SWIFT connectivity are available on a hosted Service Bureau solution. For a flat fee
per month, enjoy all the benefits of Synergy, without any capital investment or IT maintenance.
Service Bureau Hosting SWIFT Connectivity Synergy
 Access all applications from your  Powered by a SWIFT Certified  Provides the core banking, interna-
desktop via public internet using a Partner tional/wholesale banking and trade
secure VPN (Virtual Private Net-  SWIFT Alliance Access and services back office applications that
work) SWIFT Alliance Gateway applica- automate the loans/deposits, funds
 Hardware is housed in a secure, tions for managing SWIFT keys transfer and DDA/Nostro accounts
SAS 70 Type II certified, state-of- and message transmission processing
the-art data center with built-in  SAA and SAG hotline support  Delivers many standard features,
battery backup, redundant infra- consistently implemented through-
structure, and secondary power  SAA and SAG maintenance out the product, enhancing the user
supplies experience and improving operation-
 Connectivity with Synergy for auto- al workflow
 Service Level Agreement guaran- matic inbound/outbound message
tees maximum downtime in the handling  Central Tables (CT) manages all cen-
event of a disaster tral information such as customers
 Disaster recovery site and contin- and currencies, and central pro-
gency backup included for applica- cessing such as customer blocks and
tions and data
Pricing overrides
 Everything for a “turnkey” solu-  Per-month fee is based on number  Accounts (AC) manages, processes
tion, all routers, servers, databases of SWIFT messages per day, as per and maintains Demand Deposit
and operating systems, included SWIFT usage rules (current accounts) and Nostro ac-
counts, and their conditions, book-
 Hardware and software mainte-  Per-month fee includes all hard- ings, and balances
nance included ware and software, 24 x 7 hotline
support, upgrades and datacenter  Funds Transfer (FT) processes out-
 Full time, 24 x 7 support hosting fees (including disaster re- bound and inbound SWIFT pay-
covery site and software and data ments, SWIFT messages, manual
backup) batch bookings, standing orders and
Benefits automated booking interfaces
 Trade Services (TS) is a complete
 No capital investment in hardware front-end to back-end solution for all
or software Letters of Credit and Trade Finance
 No need to expand local IT sup- operations support for transaction
port—only need access to internet capture, risk and compliance check-
ing, correspondence, accounting,
 All datacenter concerns are ad- payment, fee generation and custom-
dressed—facility, power, disaster er internet front-end
recovery, backup contingency
 Loans and Deposits (LD) manages
 One low price for software usage, overnight, fixed-term and call loans
hotline support, maintenance, data- and deposits, settlement and ac-
center hosting counting
 Anti-Money Laundering (AML)
checks parties on messages against
target lists
Pinnacle Solutions Incorporated 673 Morris Avenue
services and develops products for the Springfield, NJ 07081 USA
international and wholesale finance +1 973 258 0909
market. Visit us at www.psi-nj.com.
info@psi-nj.com