The following table summarizes the features available in each product.

Description	CMS™	ARM™
Letters
Automated with or without Collector data input via prompt	Y	Y
Can include all debtor information (imported, computed or collector input)	Y	Y
Send to any contact associated with the account	Y	Y
Automatically set unique ticklers per letter	Y	Y
Chain to letter from other event, or from other event to letter. For example, logging a promise to pay can automatically send a letter verifying that promise	Y	Y
Automatically document which letter was sent to which contact	Y	Y
Add, change or delete your letters at will	Y	Y
Messages	CMS™	ARM™
User maintained library of Standard Messages, with or without collector integrated data input	Y	Y
Custom Messages (2,000 characters per entry no entry limit)	Y	Y
All messages are prefixed with the date, time and user id	Y	Y
Retain user category or class of event (for user reporting) like Promises, Calls, Letters, etceteras	Y	Y
Retain expense code and General Ledger account information with messages	Y	Y
Increase or Decrease financial accumulators;	N	Y
Secure priority messages, hiding them from lower staff use	Y	Y
Speed entry options (mouse or short-cut keys) for standard messages	Y	Y
Ticklers	CMS™	ARM™
Manually or automatically placed	Y	Y
Unlimited ticklers per account	Y	Y
Allow interactive tickler reminders for time sensitive planned events	Y	Y
User maintained library of Standard Tickler Messages	Y	Y
Global tickler reassignment as queues change, or accounts track to different assigned collectors	Y	Y
Allow forcing a designated tickler to remain with a specific collector	Y	Y
Sort and Filter ticklers by user preferences	Y	Y
Allow viewing ticklers for delinquent or previously delinquent accounts	Y	Y
Allow viewing other users ticklers to aid sick and vacation coverage	Y	Y
Queue Assignment and Management	CMS™	ARM™
Configurable standard queue management uses ranges of values on up to five institution-selected fields to define collector queues. For example, a collector working installment loans [loan type codes 1-19] that are 15-59 days late for customers who's last name begins with A to M uses three fields	Y	Y
Configurable advanced queue management uses Standard Query Language (SQL) queries created by IBS or advanced users via a Query By Example (QBE) engine to ad hoc query the database using all the power of SQL and no application limits. For example, a collector working installment loans [loan type codes 1, 3, 11, 15-19] that are 15-59 days late for customers whose user set status codes are BK, L or OREO.	Y	Y
Allow institution set Assignment queues and collector selected preferred queues	Y	Y
Collectors can set, or be prevented from altering their queue assignments based on security	Y	Y
Dialing	CMS™	ARM™
Phone dialer dials collector selected contact	Y	Y
Automatically logs call, the contact name and number dialed	Y	Y
Import	CMS™	ARM™
Automatically posts externally generated PC ASCII files containing delinquency information	Y	N
First time, re-occurring or updating contact and account information	Y	N
Remove no longer delinquent accounts (retain all history)	Y	N
Financial Services	CMS™	ARM™
24 Configurable accumulators (Balance, Interest, Late Charges, total accumulated expenses and twenty user configured due accumulators)	N	Y
Transaction types are split and water fall debits and credits	N	Y
Budget enforcement per account stops collector activity when total expenses exceed that accounts collection budget.	N	Y
Interest Accrual (single formula, default as simple interest)	N	Y
Security and Network Access	CMS™	ARM™
User ID and Password control, with expiration periods	Y	Y
Concurrent user access management lets you give everyone access to the software yet only buy the number of licenses you need	Y	Y
General look, feel	Y	Y
Microsoft Windows™ Graphical User Interface (GUI). Keyboard and Mouse support for intelligent intuitive user interface and one-handed aware use	Y	Y
Intelligent input guides for field specific input verification. Field format mapping (dollars, phone numbers, social security numbers, dates with pop up calendar)	Y	Y
User preference settings, to retain preferred operating parameters like window size, location and auto opening	Y	Y
On-line help keeps user and reference information accurate and always at your finger tips	Y	Y
Call data what you want, and place it where you want on screens and views, in letters or reports	Y	Y
Users can change the content, format, modifiability of all data on all screens	Y	Y
Configurable keyboard speed keys and toolbar	Y	Y
Integrated E-mail and Internet browser Window access (www.ibshome.com immediate access)	Y	Y
Account numbers expanded to 32 positions	Y	Y
Calculations	CMS™	ARM™
Define math formulas to compute information you need that is not available, like demand dates (today + 10, today + 21), days late (next due - today), or total due (delinquent principal + delinquent interest + late charges + fees)	Y	Y
Data Storage	CMS™	ARM™
CMS and ARM store contact and account information using a relational database model, contacts in one table, accounts in a second, and a many-to-many relationship table associating proper people to their accounts.	Y	Y
CMS and ARM use default configurations designed to retain all critical information needed by collection and recovery staff. All default field attributes can be user or IBS modified for your special storage requirements	Y	Y
CMS and ARM have 300 additional user configurable data attributes specifically for advanced fine-tuning to complete your unique information storage requirements.	Y	Y
Reporting	Y	Y
Integrated daily operating prints (Account Detail, Contact Detail, Activity Journal, Snap Shot Profile)	Y	Y
Integrated standard reports (CMS: Delinquency by loan officer or branch in 30, 60, 90, + categories, standard Month-End Board Detailed report, Collector Tickler summary and detailed, all configuration file reports). (ARM: daily and monthly payments and disbursements, Trial Balance, New Charged Off Accounts, all configuration file reports)	Y	Y
Ad Hoc user created (with optional Crystal Reports™ Standard or Pro)	Y	Y
Rich library of delinquency information available for reporting	Y	Y