Dear Prospects & Customers,

Our Respect solutions will change the way you interact with your customers and members. After 15 years of working with banks and credit unions worldwide, we have developed software that allows your entire organization to engage in a highly automated approach to selling, servicing and developing loyal customer relationships.

At KIVA, we are focused on providing software that enables you to engage the entire enterprise and all touch points in the delivery of customer sales and service. All interactions are managed in the same database, the same workflow and the same reporting technology-not just through your call center or branches. Today we are truly able to use all channels, self-service and face-to-face, to consistently provide personalized sales and service information along with the management controls you need to extend transactions from point of contact through fulfillment.

Please give us an opportunity to show you the possibilities.

Thank you for visiting with us today.

Sincerely,

Helping you achieve sales success through exceptional service.

The KIVA Promise

From North America and Europe to Southeast Asia, our clients turn to us because they are motivated to not only meet, but exceed customer expectations with every interaction, through any delivery channel-and we deliver on what we promise.

The KIVA Promise

Far from lip service, our conviction to do what we say we are going to do for our clients is a formal guarantee. Our experienced project team begins delivering on that promise by applying extensive banking domain experience to really understand your requirements and expectations. We then produce plans, configurations and schedules that specifically map to those goals-with your signoff at each phase and for each deliverable. And, we won't create a configuration or a schedule that we can't execute. That said, if we should slip in any way for any reason we will make things right-we will repair, replace or refund you, as appropriate, as mutually agreed.

Of course, this is all crucial to providing you with outstanding service, from concept and project planning to deployment, training and ongoing support, so that you can consistently do the same. We understand that service is your business, and you can't afford to be "down" when your customers and members need you.

Welcome to KIVA Group

KIVA was founded in 1995 to sell, install and support customer service applications in the global financial services marketplace. Since that time, we have evolved our solutions to address the industry's need for a unified multi-channel approach to transaction processing, service delivery and customer relationship management (CRM).

Our Web-based solutions eliminate the barriers banks and community financial institutions commonly face in delivering personalized service across all delivery channels-face-to-face, self-service, Web, IVR, email, phone and back-office-in a consistent manner. We help banks and credit unions connect the customer, product and services information they need to create a more satisfying experience with each interaction and capture sales opportunities.

Because our applications are built upon a single Microsoft. NET platform, we offer greater flexibility, system scalability and the advantages of more rapid deployment-at a very competitive price point. We give clients the ability to operate more efficiently, but even more crucially, we blend the servicing of customers with personalized selling approaches so that they can drive sales for greater profitability and build stronger relationships.

We currently serve a global client base throughout North America, EMEA, ASEAN and Latin America, having successfully implemented teller applications and customer service solutions at geographically dispersed client sites throughout each of those regions.

We maintain our corporate headquarters in Bedford, NH, USA and operate offices in San Antonio, TX, Alexandria, Egypt and Sydney, Australia.