This document discusses how credit unions can use eSignatures and DocuSign to increase member satisfaction and loyalty. It notes trends affecting credit unions like changing technology and social expectations. Common goals for credit unions are also mentioned, such as increasing lending volume and maintaining excellent service. The document then discusses how paper processes can slow transactions down and introduces eSignatures as a solution. It provides examples of how other credit unions have benefited from using DocuSign through faster turnaround times and improved member experiences. A demonstration of the DocuSign product is also included in the presentation.

1. DOCUSIGN CONFIDENTIAL
Increase Member Satisfaction and
Loyalty with eSignatures and DocuSign
5/29/13

2. ©2007 DocuSign, Inc. Confidential.
Agenda
§ Trends Affecting Credit Unions
§ Technology, Social, Industry
§ Common Top-Level Goals Facing Credit Unions
§ We need to increase lending volume
§ We must maintain an exceptional level of service to our members
§ Grow our membership
§ The Problem With Paper
§ Introduction to eSignatures and DocuSign
§ Solution Demo

3. Technology – It’s a New, Mobile World
• FIs will need to alter their mobile banking
strategies to correlate with these technology
trends
Javelin Strategy & Research

4. Top Reasons for Using Mobile
AT&T Small Business Technology Survey

5. As Important
32%
Almost As
Important
37%
Not That
Important
31%
Social – How the Internet is Changing Expectations
Sources: Cisco Connected World Technology Report
College Students in United States
Do you consider the internet as important to
your life as water, food, air and shelter?
(~70% consider it As Important or Almost As Important)

6. Industry – Consumer Experience is Driving E-Signature Adoption
§ Self-service is the expectation
§ Creates a “wow” factor when doing business
§ Generation X is driving technology adoption
§ Consumers will shop for relationships that fit their
lifestyle
§ Time is more important to people than money
§ Sign electronically anywhere, at any time, on any
internet-connected device
§ Lending organizations that don’t address these
trends may end up limiting their market success
§ Geographic reach should not limit ability to do business

7. Credit Unions Continue to Invest in Technology
… designed to make transactions fast and efficient
Word Processing Email Loan Software CRM

8. The Paper Speed-bump in your Digital Workflow
DATA
STARTS
HERE: Paper Data
DATA
ENDS
HERE:SIGN Via Paper
DIGITAL ANALOG DIGITAL
§ Slow transactions
§ Too many errors
§ Lack of visibility
§ Re-keying of data
§ Lost documents or pages
§ Poor fax readability
§ Overnight shipping fees
§ Lost productivity

9. Straight-Through Digital Processing
DATA
STARTS
HERE:
ELECTRONICALLY
SIGN
DATA
ENDS
HERE:
DIGITAL
§ Faster transactions
§ No errors
§ Complete visibility
§ No re-keying of data
§ Secure documents
§ No faxing
§ No overnight shipping fees
§ Higher productivity

10. DocuSign – Better for the Member
< 5 min.
61%
(333)
5-10
min.
27%
(147)
10-15
min. 6%
(34)
> 15 min.
5% (28)
How long did it take you to complete your loan
documents using the e-sign process? (542 responses)
For future loans, would you prefer to use e-sign or mail
for your loan documents? (543 responses)
No
preference
9% (47) Mail
documents
3% (15)
E-sign
89% (481)
Would you recommend the e-sign process to other
members? (537 responses)
Yes
98%
(526)
No
2% (11)
“I would rate this new service as comparable to the
innovation of the ATM for convenience and ease of use.”
- Credit Union customer of 25 years
"Some members complete their loan documents before they even
get off the phone with lending staff.”
- Ryan Klassen, director of lending services for Bellco Credit Union

11. Transactions Complete Faster
86% within 1 day
< 1 hour
< 1 minute
< 1 day
21%
62%
86%

12. Your Opportunity: Extraordinary Business Impact
DOCUSIGN CONFIDENTIAL 12

13. Sample Credit Union Use Cases
DOCUSIGN CONFIDENTIAL 13
New Business
• Loan Applications
• New Deposit Accounts
• New Member
Applications
• Closed End Loan Re-
authorization
Documents
• New Hire Paperwork
• Candidate NDA
• On/Off-boarding
Checklist
• Employee Policy
Distribution & Signature
• Contractor Agreements
• Non-disclosure
• PTO Management
HR Finance
• Loan Repackaging and
Securitization
• Invoice Processing
• Expense Reporting
• Capitalization Mmgt
• Audit Signoff
• Policy Management
• Asset Transfer/
Retirement
• Change Management
• Release Management
• Code Review Reporting
• Requirements Acceptance
• Release Scope
Commitment
Product
Management Procurement
• Purchase Order
• Statement Of Work
• Master Service
Agreement
• RFP Sign Off
• Supplier Compliance
Marketing
IT /
Operations
Member
Services
Legal
Facilities
• Event Registration
• Member
Communication
Approvals
• Mass Mailing/ Emails
• Holiday Promotions
• Skip Payment Promos
• Asset Tracking
• Change Requests
• Requirements Sign Off
• Access Management
• Incident Reporting
• Production Change
Authorization
• Maintenance Authorization
• Account Changes
• Stop payment requests
• Skip payment forms
• Maintenance Forms
• Change of Address
• Overdraft Notifications
• NDAs
• Contract
management
• Internal compliance
• IP licensing
• Patent applications
• Board minutes
• Front Desk Sign-in
• Work Orders
• Lease Agreements
• Move In / Move Out
Requests
• Parking Permits

14. More than 37M users growing to 60M
More than 63,000 users a day
Up to 5M pages a day
More than 65,000 customers, over 600 credit unions
189 countries
DocuSign Network Taking Off

15. Global Standard: Achieving Market Leadership
#1
eSignature
Takes Off
#1
eSignature
Wave
#6
Out of
5,900
“50 Next Big Things”

16. DocuSign Community Growing Rapidly

17. LEADING
SECURITY
RICHEST PARTNER
ECOSYSTEM
WORLD CLASS
CUSTOMER
PROGRAMS
GLOBAL STANDARD
Leading
Security
Richest Partner
Ecosystem
World Class
Customer Programs
Easiest to
Use Product
Most Powerful
Platform
Why Customers Choose DocuSign

18. DocuSign: Highest & Broadest Set of
Security Certifications
DOCUSIGN CONFIDENTIAL
• Data Privacy
• Collection Of Data
• Use Of Data
• Data Requirements • Protection Of Data
• General Computing Controls Focus
• Comprehensive Scope
• Security Framework
• Testing Of Controls
• Measures Effectiveness
• Reliability Of Service
• Global Security Gold Standard: ISO 27001
• Defines An (ISMS) Information Security
Management System
• Requires Business Continuity
• Streamlined process
for EU privacy law
compliance

19. DocuSign Meets Highest Evidentiary Standard
§ ESIGN compliance warranty
§ Admissibility – Best Evidence Rule
§ Unassailable evidentiary support
§ Chain of custody
§ Who, what, where, when, how
§ Third-party process
§ DocuSign’s proof is BETTER THAN
PAPER
DOCUSIGN CONFIDENTIAL 20

20. DocuSign Provides Authentication Options
Witnessed Signing
Two-Factor Biometric Phone
Authentication
Knowledge-Based Authentication (KBA)
Access Code
E-Mail Validation
TransactionValue
High value or high
potential for fraud
Low value or low
potential for fraud
DOCUSIGN CONFIDENTIAL 21

21. Access Code
DOCUSIGN CONFIDENTIAL 22

22. Member must have Access Code
DOCUSIGN CONFIDENTIAL 23

23. ID Check
(Knowledge-based Authentication)
DOCUSIGN CONFIDENTIAL 24

24. Member provides name and address
DOCUSIGN CONFIDENTIAL 25

25. Member answers out-of-wallet questions
DOCUSIGN CONFIDENTIAL 26

26. Phone Authentication
DOCUSIGN CONFIDENTIAL 27

27. Biometric Phone Authentication
Receiving a DocuSign Envelope with Phone Authentication:
DOCUSIGN CONFIDENTIAL 28

28. DocuSign – Anytime…
Print into DocuSign
from any application
Upload any document
into DocuSign
Convert forms to
‘PowerForms’
• Over Microsoft Windows 50,000 applications
• Key for Loan Application Systems
Print into DocuSign
from any application
DOCUSIGN CONFIDENTIAL 29

29. DocuSign – Anything…
Upload Most File Formats
• PDF
• Microsoft Word, Excel, and PowerPoint
• Fax files, Image files, etc.
Print into DocuSign
from any application
Upload any document
into DocuSign
Convert forms to
‘PowerForms’
Print into DocuSign
from any application
Upload any document
into DocuSign
DOCUSIGN CONFIDENTIAL 30

30. DocuSign – Anywhere!
• Convert any document into a PowerForm
• Embed into any Web site
• Self-service is today’s expectation
Print into DocuSign
from any application
Upload any document
into DocuSign
Convert forms to
‘PowerForms’
Upload any document
into DocuSign
Convert forms to
‘PowerForms’
DOCUSIGN CONFIDENTIAL 31

31. Alliant Credit Union
DOCUSIGN CONFIDENTIAL 32
• 91% of borrowers complete loan docs in under 10 minutes
“DocuSign has paid for itself multiple
times over. DocuSign makes it easy
to accelerate our business and
delight our customers.”

32. TTCU
DOCUSIGN CONFIDENTIAL 33
• Reduced turnaround time from one week to less than one day
“Getting the loan on the
books earlier pays for the
DocuSign service.”

33. Evolve Credit Union
DOCUSIGN CONFIDENTIAL 34
• Reduced turn-around time from over a week to less than a day
“DocuSign has been a great success
to our Generation X and Y members
as they hate paper, love the internet
and are always on the go.”

34. Deployment
DOCUSIGN CONFIDENTIAL 35

35. DocuSign Delivers Cloud Benefits
§ No Infrastructure Expenses
§ Leverage Credit Union Experience
§ Rapid Deployment
§ Carrier-Class Security
§ Access from Any Device
§ Integration with Key Applications
DOCUSIGN CONFIDENTIAL 36

36. Opportunity For Credit Unions
§ Make Borrowing Easier
§ “…use
of
the
DocuSign
secured
service
has
saved
me
an
a)ernoon
of
driving
and
about
$15
in
gas…
I
would
rate
this
new
service
as
comparable
to
the
innova9on
of
the
ATM
for
convenience
and
ease
of
use.”
§ Improve Operational Efficiencies
§ Accelerated
document
comple=on,
with
85%
comple9ng
in
the
same
day
§ Increase Market Share
§ Younger
consumers
do
not
share
the
loyal=es
of
their
parents,
and
will
shop
for
the
rela9onships
that
fit
their
lifestyle
§ Go Paperless, Go Green

37. Solution Demonstration
DOCUSIGN CONFIDENTIAL 38
Doug Glagola, VP Business Development, MeridianLink

38. MeridianLink, Inc.
§ New Deposits/Accounts
• Consumer acquisition
• Consumer and Commercial Accounts
§ Consumer Loans
• Supports all consumer loans (vehicle, personal, credit card, etc.)
• Indirect auto/other loans
• 1st Mortgage & equity loans
• Business/commercial loans
• Lifestyle lending
• Cross-sell
§ All channels, all deposits, all loans
All-In-One Platform Solution

39. MeridianLink and DocuSign
What We Have Done Together
§ Great partnership
§ Great integration
§ Great client results
We’re Obviously Doing Something Right
§ Focus on process efficiency and convenience
§ 100+ clients to date (mainly CUs)
§ Total number of envelopes (hundreds of thousands)
§ More to come …

40. Thank You!
DOCUSIGN CONFIDENTIAL 41
Get your free trial at docusign.com
Call 1.877.720.2040