In 1984 ABS developed one of the first PC based software programs for loan and collateral documentation exceptions called DAudit. Today
BankManager Exact is offered in a Windows based format that incorporates document imaging to complete the electronic credit file.
In 1987 ABS launched its laser documentation module and now incorporates that popular standardized loan and deposit documentation within a
Windows loan and deposit product called GulfPak. GulfPak is offered in some 17 states throughout the South and Midwest. ABS currently maintains
the compliance responsibility for Oklahoma, Texas, Kansas, Missouri, Iowa, Colorado and Nebraska. Over 250 financial institutions have chosen
ABS' GulfPak as their platform for originating loans and deposits. Competitive pricing, ease of use plus superior service and support are just
a few of the reasons why the switch was made to GulfPak.
In 1993, James Bruce Jr., President of JW Bruce & Associates acquired ABS. At that time, ABS still sold document preparation and tracking
systems and a manual filing program. It had a solid 60-70% market share among Oklahoma community banks and a few clients outside the state.
In 1999, ABS moved into a custom-built headquarters in northwest Oklahoma City. ABS partnered with Gulf Guaranty Life Insurance in Jackson,
Mississippi, to bring its ComplianceProducts to a wider market. Soon after, ABS launched Windows-based BankManager, The Electronic Workstation
of the Future to replace manual filing systems. This allowed ABS to expand into Midwestern states and across the country.
In 2000, ABS acquired US Proactive of Atlanta, Georgia, and began offering CompliancePro®. Later ABS formed an alliance with Make
Technologies in Vancouver, British Columbia to revamp CompliancePro® with browser technology. CompliancePro® made ABS the leading
provider of automated regulatory compliance monitoring software.
In 2008, ABS entered into a strategic partnership with Wolters Kluwer Financial
Services, adopting its ComplianceOne system for documentation.
In 2009, ABS offers clients access to a broad array of compliance systems and services with a staff committed to "high touch" support.
A Word from the Chairman
Dear Colleague,
America's financial services companies need high tech solutions to permit them to deliver high touch customer service if they are to
continue to be successful. American Bank Systems offers a technology solution with trusted compliance to assist the industry in effectively
and efficiently serving its through our BankManager® document management system or our CompliancePro® compliance risk
management system.

James W. Bruce, Jr.
Our solutions comply with the complex regulatory and legal requirements governing the supervision of the lending and deposit/new accounts
functions. ABS systems provide for improved work flow, thereby permitting organizational cost savings which improve profitability.
Furthermore, technology combined with superior and proven ComplianceProvides a comprehensive solution in today's complex financial services
environment, permitting the financial institution organization to focus on what it knows best - serving the customer - and letting the
compliance experts do what they know best. Gaining access to economies of scale and compliance expertise sets American Bank Systems' services
and products apart from the single service bank technology provider.
James W. Bruce, Jr.
Chairman
American Bank Systems