
"Thank you for all the help and support that you have provided for Capital Bank's Capital Funding
program. I have had experience with programs such as Towne Services and Private Business, Inc. When
Capital Bank switched to eRevenue in early 2002, your support team played an important role in converting
our customers to the new system while keeping the cash flowing to the business customers. eRevenue made
this a very smooth transition for everyone involved.
In the two years I have been using eRevenue, you have always been responsive to questions that have
arisen, and very helpful to customers when they had situations with which they needed assistance. Not only
has the support team been great, the software eRevenue provided is flexible and most importantly, user-friendly.
Many of my customers have used various Accounts Receivable programs, and without a doubt, they would tell
anyone about the benefits of using the eRevenue program. It has offered them much flexibility, and
most importantly, the capability to pull hundreds of reports concerning their accounts receivable.
Please feel free to share my comments with those who may be considering eRevenue. I will continue
to recommend eRevenue to other banks, and I look forward to continuing to meet our customers' cash flow
demands with eRevenue."
I. Craig Swafford Vice President Capital Bank

"We decided to offer the eRevenue program in our bank so that we could begin building a recurring revenue
stream for the bank, assist businesses with cash flow needs, grow our market share and bank name, and
mitigate some of the risk associated with our commercial lending portfolio. We have done all four. Thank
you.
We have found the safety and soundness of this product to be unmatched by either traditional or
non-traditional accounts receivable management means. Through the repurchase requirement, reserve and
mandatory lockbox, we not only have control over the payments and their application to outstanding balances,
but we can adjust collateral on a preventive basis instead of a defensive basis. In addition, since the
bank owns the asset, we are placed in a much stronger security position.
Additional control over the credit can be implemented through a variable advance rate by transaction and
a vast matrix of verification and audit procedures. This control combined with the 24/7, real-time, online
management reports places the bank in a strong position to manage each transaction, each customer and each
business if necessary. We can even look to see if the performance or payment history of one client could
potentially and adversely affect the performance of another client on the system.
We have looked at many programs to assist us in the management of our accounts receivable lines and
eRevenue is by far the easiest, yet most comprehensive system available to community banks today."
Larry Fletcher Heritage Bank

"Bank of Tennessee provides the bank office processing for Paragon Commercial Bank in Raliegh. Managing
the processing load for other banks requires efficient processes and easy to use software.
I am personally responsible for managing the daily processing for Paragon Commercial Bank's
Treasury Management program. I find that eRevenue's internet-based platform makes it easy to
process information quickly and accurately.
The functionality of the eRevenue system allows the business owner easy access to their own account
information thus eliminating the majority of customer service calls. The business owners appreciate the
convenience of being able to electronically submit their customers and invocies. I love the fact that the
eRevenue system saves me valuable data entry time.
eRevenue's support center provided a customized training program that accomodated my busy schedule.
The program is so easy to use, I seldom have to call for help. As a matter of fact, the support center
actually contacts me every few weeks just to check on me!"
Teresa Singleton Bank of Tennessee
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