1. Lois Kitsch [email_address] Doing Well by Doing Good Grow Your Credit Union By Serving Expanded Markets Florida Annual Conference

3. Doing Well by Doing Good – The Spectrum Credit Union Story

4. What does a poor or mediocre score cost? Emily Karen 750 Credit Card Rate – 9.9% Auto Loans – 5% Mortgage one – 5.5% Mortgage two – 5.5% Credit Card – 19.9% Auto Loan – 8% Mortgage one – 7.375% Mortgage two – 7.375% 650

5. What does a poor or mediocre score cost? Emily Karen

6. Cost of Poor Credit Emily Karen 70 70 $39,600 Credit Card Interest $79,600 $21,166 Auto Loans $34,653 $174,760 Mortgage One $243,020 $417,616 Mortgage Two $594,572 100 Points Cost Karen $ 298,704

7. Think of the impact of Dorothy’s credit score on her access to financial services

8. Continuous set of services to allow members to move from step to step, no matter where they start Alternatives FCU Ithaca, New York

10. U.S. Adult Population by Banked Status Note: Unbanked consumers are those with no checking or savings account. Underbanked consumers are those with a checking or savings account who have made one or more nonbank financial transactions in the past 30 days. Source: CFSI Underbanked Consumer Study, 2008

13. % of Asset Poor Households in Florida 46% 36% 22% 11 % 3% Low Wealth does not always equate to low income. In Florida, 22% of households earning more than $44,000 and 3% earn more than $100,000 are asset poor.

15. Membership growth Appropriate Products and Services At the right price and terms!

16. Customer first? Then a member? Prepaid Cards Check Cashing Customers Grow into membership VITA All Cash Global

17. To learn more… Second Chance Checking A REAL Solutions ® Implementation Guide Visit the RS Impact Center www.realsolutions.coop

19. Right Time Education – It Matters FICEP Step WAY out side the box education .

20. To learn more… Filene Research Institute www.filene.org www.realsolutions.coop League Highlights

21. Let’s Talk Saving Programs Savings Matter

23. Let’s Talk Loan Products

25. Want More info? Visit www.realsolutions.coop for a comprehensive Toolkit on how REAL Solutions Credit Unions Provide short term loan products to their members. Contact League Liaison Natasha Melugin

28. Join us at REAL Solutions To Learn more contact Laura Vann or Adena Whitman LSECU Visit http://realsolutions.coop

29. Lois Kitsch REAL Solutions 407 616 2409 [email_address]