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| General Information | |
| Institution Name: | Panhandle State Bank |
| Institution Contact: | Mark Mitchell |
| Subject: | Conversion to RATA Comply |
| Description of Institution | |
| Regulator: | FDIC |
| Asset Size: | $1 Billion |
| Number of Branches: | 20 |
| Loan Origination Systems: | Harland Financial Center and Laser Pro |
| Applicable Regulatory Challenges: | HMDA, CRA |
| Previous Vendor/Solution | |
| Previous Vendor: | PCI CRA Wiz |
| Years with Previous Vendor: | 3 |
| Challenges with Previous Vendor: | Inadequate support, difficulty using software, unresolved system errors |
| RATA Associates | |
| Products Purchased: | Comply HMDA, Comply CRA, Comply Peer-2-Peer, GeoPlus |
| Comply Contract Start Date: | 4/24/2006 |
| Reasons RATA Product(s) were chosen: | Ease of use, support, quality reports, import/export capabilities. |
| RATA Experience | |
| Favorite Feature(s) and/or Benefit(s): | Automated geocoding, rate spread calclulation, and HOEPA status |
| Would you recommend RATA Associates' products and service and why? | Yes. The support has been exceptional. The program is very easy to use. |
| Additional Comments: | RATA has been one of the best companies I have dealt with in my 25 years of banking. Their service has exceeded my expectations. |
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