1. Lights, Camera, Action! 2008 Annual Leadership Conference CU*Answers 1 June 18, 2008 1 1

4. Shedding Some Light on Industry Issues Misery loves company when you’re grading on a scale...so when rainy skies have everyone hunkering down, what should you be thinking about for when the sun comes out again?

13. Responding to Stormy Skies Everybody’s Putting Money Away For a Rainy Day

16. Right Now, Credit Unions Stand Out Remember It’s a Sliding Scale

19. Knowing Your Member is Still the Key to Future Relevance

20. Knowing Your Member is Still the Key to Future Relevance More than knowing your members for who they are right now, standing still, we need to look at where they are going, and then make sure we are moving as fast as they are So let’s get this party started!

21. Invest...Execute...Earn! Like clockwork, you can count on us to spend the money, develop the products, and put the products in your hands, year in and year out Are you earning on these investments?

33. Our Favorite Reports

34. And surprisingly, one of your favorites... Tools for Your Staff

35. A Report on Jump to the Future Invest...Execute...Earn!

40. Jumping to the Future ATM “Pause for a Cause”

41. Jumping to the Future ATM “Pause for a Cause”

46. Jumping to the Future ATM “Pause for a Cause” A note from the EFT Team... Lately, CUs have been making decisions about changing vendors, new program startups (such as HSA debit cards), or “minor” configuration changes with their vendor...but leaving CU*Answers out of the loop. We don’t want to slow you down, but if we have to scramble at the last minute to make sure your plans stay on track, everything is at risk. In 2008, we created a new position specifically to coordinate with you and be your liaison to our programming team. Our EFT Product Specialist is Nadine Thomas (nthomas@cuanswers.com, ext. 141). Much like a conversion coordinator, Nadine is at your beck and call from the time you think about making a change, to the moment that change goes live. Please take advantage of this new resource – we need to be involved in the choices you make with your ATM/Debit vendor! Don’t let your network salesman sell you into a poorly planned change!

48. Jumping to the Future Workin’ Under the Hood Did these changes get by you, or did you notice? Is there something here that you should take advantage of in 2009? Continues to be focus of both Operations and Programming (do you know your numbers?) June 2006 Smart Operator One CU Benefit Gained Released Project Capacity, capacity, capacity April 2008 Supreme 44th Custom to your CU and consistent for your member June 2008 Insurance posting automation Consistently more, more, more Oct./Nov. 2008 Member Reach automation Flexibility for conversions, testing, releases (freedom from the calendar) Oct./Nov. 2008 Processing Date and BOD/EOD improvements

59. Personal Technology: A Consumer Wave, or an Addiction? How do we respond to a marketplace that seems to be going a thousand miles an hour, when most of our members seem to be standing still?

62. Our Launch Pad to a Technology-Crazy World The ideas are diverse, opinions can be polarized, and the member response can vary greatly according to personal feelings and experiences But most of us agree that it is an investment that is just in its infancy

84. What are you thinking about? When that one-in-a-thousand member walks in and says, “When will I be able to check my balance through my car radio?” what will you say? When will Ford advertise that their Synch product will dial into ARU? (I still think holographic banking might be a way off)

86. New Declarations Tools, Processes, and Goals for the Future

87. New Declarations: Our Goals To achieve the lowest cost of going active with innovation To have the lowest cost in the industry for compliance To be known as one of the most aggressive mortgage servicing networks

94. Lowest Cost of Going Active With Innovation Offering an Intranet to Your Credit Union CU*Answers employees went live on June 11

107. Lowest Cost In the Industry for Compliance The Future of CU*BASE BSA Tools Audit Link will use these tools like never before...and that will lead to some great new changes

117. Declaring Some New Directions In Software Interesting Specs to Highlight

126. A Year of Collaboration The market response to CU*Answers collaborative concepts has been amazing over the past year Who knows? When we look back, we might cite 2008 as the year it all began to click for a whole new generation of credit union leaders

127. The Power of the Network Selling a New Credit Union Future

128. The Power of the Network Selling a New Credit Union Future www.cuasterisk.com

133. The Power of the Network CU*BASE As the Common Factor 142 Credit Unions in 18 States 1 6 2 3 1 7 16 2 78 4 1 1 1 1 12 3 Processing on CU*BASE as of June 2008 1 1 1 # of CUs by State

134. The Power of the Network CU*BASE As the Common Factor IN CT NY TX OR ME FL OH KY IL WI MI CU*BASE Credit Unions: 142 Total Members: 1,049,800 SD AL MN Processing on CU*BASE as of June 2008 WA # of Members by State

137. The Power of the Network A Network of Owners Percent of Total CUs: 61.2% 1 1 1 8 56 3 1 3 3 1 8 87 Owners in 16 States 1

141. The Power of the Network Check 21 as the Common Factor

148. Shared Execution What’s Next?

154. Randy’s Top Ten Top Goals for Your Teams in the Coming Year Using CU*Answers Tools You Already Have

155. Randy’s Top 10 Using CU*Answers Tools You Already Have Review last year’s Top Ten and see what you put into action (be tough on yourself!) 10 Investigate 5 processes that you could improve or evolve in 2009 without buying something 9 Create a digital vault for why members should select you and your services 8 Invest in your advantages and communicate your value every single day 7 Find 5 new ways to prove to your Board that you know your members 6 Inventory your talent and know the difference between talents and job descriptions 5 Figure out student lending – today’s big need for the next generation 4 Exit the mortgage crisis as a stronger, more competent mortgage lender 3 Commit to cutting your notice postage in half by year-end 2009 2 Commit to having more e-statement members than online banking members 1

156. Randy’s Top 10 Using CU*Answers Tools You Already Have MNMRKT #25 Tiered Services Monthly Comparison – track to attack Coming soon... e-Notices Spend a day with Geoff Johnson and understand what a partner Lender*VP can be Query your Household Database and link family needs with your opportunities Plan in 2009 to build an Intranet with Passageways and CU*Answers MNMGMA #1-23 (my current favorite: #17 Open/Active/Closed Mbrs) Take a long look at the e-commerce fee and figure out what it means to you Use Talking Points for every marketing and cross sales tip included in CU*BASE http://www.cuanswers.com/client_release_summaries.php Review last year’s Top Ten and see what you put into action (be tough on yourself!) Review last year’s Top Ten and see what you put into action (be tough on yourself!) 10 Investigate 5 processes that you could improve or evolve in 2009 without buying something 9 Create a digital vault for why members should select you and your services 8 Invest in your advantages and communicate your value every single day 7 Find 5 new ways to prove to your Board that you know your members 6 Inventory your talent and know the difference between talents and job descriptions 5 Figure out student lending – today’s big need for the next generation 4 Exit the mortgage crisis as a stronger, more competent mortgage lender 3 Commit to cutting your notice postage in half by year-end 2009 2 Commit to having more e-statement members than online banking members 1

157. What’s On Your Mind?

159. Idea Forms A Conversation Between Users and Developers I never would have guessed how hard it is to compose 50 words about an idea

164. Lights, Camera, Action! It takes an army to bring a movie to the theater, and while it takes a few less people to bring today’s presentation to all of you, they work like an army Thanks to the staff that helped pull off this week!

165. Some final thoughts... What are we going to do tomorrow?