Comprehensive Stable Value Capabilities:

• Improve Operating Efficiencies – Manage your stable value business from a single platform. Relieve yourself of burdensome spreadsheets and secondary systems that negatively impact your operation’s efficiency
  . 
• Increase Accuracy – Improved accuracy begins with full real-time book value accounting, proper audit controls, strong security, complete history and flexible reporting for any time period. IMS was built with accounting, audit control, security and flexible reporting included in one application.
  
• Better Service Internal and External Clients – Quickly respond to requests for information from both internal and external customers using IMS’ integrated performance tools and its powerful reporting capabilities. Prepare precise reports formatted to meet your clients’ needs. 
  
• Book Value Accounting provided for:
• Traditional GICs, separate account GICs and Evergreens. 
• Synthetics – may be wrapped singly or with many underlying assets.
• Pooled Synthetics – multiple wrap contracts on a single underlying portfolio
  
•  Stable Value System Features:
• Supports the new FASB rules for stress testing portfolios (credit rate shock and yield curve shock).
• IMS accounts for, marks to market (daily) and reports on the underlying assets of stable value portfolios in real time.
• Supports all pertinent accrual methods.
• Supports both gross and net valuations.
• View the impact of trades on the crediting rate within portfolios. - Uses sophisticated rating schedules to track both the issue and the issuer. Supports special stable value ratings. 
• Manages underlying portfolios at book value and provides the market value on each investment.
• Provides book to market ratios.
• Calculates the desired crediting rate using projected underlying activity.
  
• Flexible Synthetic Contract Specifications Provided:
• Customized deposit, payment and re-set schedules.
• The establishment of buy windows and caps.
• Flexible and sophisticated fee schedules based on assets or spreads. - Flexible payment schedules and early redemptions.
• Complete control over pass-throughs to the contract holder; principal, interest or both is included. PSA factoring and projections provided on CMOs. 
• Various crediting rate methods from underlying portfolios are available to set the contract rate. Synthetic crediting methods include IRR, Geometric and Amortization.