Rollout Update September 18, 2007

1. An update on our progress toward introducing It’s Me 247 Online Banking to your members this fall Rollout Update September 18, 2007

2. BONUS: Demo of other new online tools coming soon for your members! Today’s Agenda • Project Progress Report • It’s Me 247 Online Banking software demo • What’ll be different? What’ll be familiar? • Planned Infrastructure Improvements • Implementation Plan and Release Dates • Marketing to Your Members • Online Banking Community

3. Project Progress ReportA Very Tight Development Schedule • So far, so good: • May 21 – Security Questions and new CU*@HOME login pages introduced for online CUs (June 11-12 for self proc.) • June 20 – Kickoff at Annual Leadership Conference • “It’s Me” promo video • July 20 – Online Banking Community introduced • Prototype of the It’s Me 247 software • August 13 – Kitchen Update • Artwork, webmaster tips, progress report • September 18 – Rollout update • And now...?

4. Let’s Look at the Software • Some things will be new, and some things will be familiar...but with a different face • Out of the gate: • All the transaction handling capabilities of CU*@HOME • All the VMS capabilities of CU*@HOME • It’s me!...personalized color schemes and picture albums • It’s me!...choose a starting point, either account summary or the message center • Significantly reduced # of clicks to many features, and streamlined navigation to make thingsso much easier to find!

5. Infrastructure Improvements Handling the higher demands on our network structure, from bandwidth to browsers

6. A lot of mumbo jumbo to simply say:a better technical platform to build on for the future More Than a Pretty Face • Standards compliant XHTML • HTTP compression between members and It’s Me • Optimized images • No more framesets • Introducing Web 2.0 technologies like AJAX

7. We’re Investing In Your Members • It’s Me 247 will require at least double the amount of bandwidth of CU*@HOME, maybe more • So we’re investing in your future, and the future is now • Before It’s Me 247 can go live: • Installation of redundant, load balanced fiber-optic fractional DS3s to the Internet • Initial increase in bandwidth (3x existing: 7.5Mbps  22Mbps) • Two different carriers for improved reliability • New routers with 10x capacity of current • Bandwidth easily upgradeable up to 90Mbps without requiring new installations

8. An important variable Bandwidth: The Full Story

9. The operating systems and browsers actually used by members are all over the map Check out these stats from August 2007 showing % of all member activity: Browsers IE: 89.6% Firefox: 8.2% Safari: 1.4% Others: 0.8% An Important Variable: Member Connections to the Web Are Diverse Operating Systems Windows: 95.7% Macintosh: 2.2% Others or unknown: 2.1% Ranging from version 3.02 to 7.01!

10. An Important Variable: Member Connections to the Web Are Diverse • It’s Me 247 is being designed to conform with industry standards so that we can support the most popular tools • Browsers to recommend for optimal performance: Microsoft IE (ver. 6 & 7), Firefox 2.0, and Safari 3 • Improved graphical interface may mean that members getting by on older browsers may finally need to upgrade...or live with the imperfections (like they are probably doing now!)

11. Implementation Plan So when are your members going to start seeing these new tools?

12. We’re being very careful pending our beta results, so no firm dates yet! Project Progress Report • And now...? • Early October – installation of new bandwidth • Mid-October – Beta with CU*Answers employees who are members of Western Districts Members CU • Invitation-only beta test for select CU employees • Late October – Full beta with WDMCU and KCCU • Late October – 2nd Rollout Update event (web conference only; date to be announced) • November – Implementation to all CUs

13. No rest for the weary…2008 development will be at a furious pace Changes Planned Down the Road • Tiered Service points analysis • Quicken downloads • Analytics for demographic variables (Next Suggested Product) • Seasonal marketing • Continued PIB development • Expanding e-statements • ...and a long list of cool things to come

14. No shortage of dreams, and years of job security ...And More Cool Things To Come • Linking memberships • Available funds inquiry (debit card holds, check holds, secured funds) • Pending ACH inquiry • Click for chat (Xtension Call Center)

15. Marketing to Your Members Trying a different approach to reach a special group of members

16. Don’t print…Sprint! A New Age for Marketing to Your Members • First, flexible marketing online to online marketing, ahead of expensive collateral materials • A new design for collateral materials that send people to your virtual marketing, avoiding dated printed materials • Getting the message out through Member Reach / Member Connect • Teach your team to surf your digital marketing

17. Cross-Marketing On All Online Channels The OBC Your Website It’s Me247

18. Get instructions for your webmaster In the Kitchen: http://www.cuanswers.com/kitchen Marketing To Your Members:Use Your Website Now • It’s time to get rid of this: • ...and replace it with one of these on your website: • Use the web snippet and these will automatically switch to It’s Me 247!

19. Update posted justlast week! Get instructions for your webmaster In the Kitchen: http://www.cuanswers.com/kitchen Marketing To Your Members:Use Your Website Now • Free marketing and security education for your members...and you don’t have to lift a finger!

20. Marketing To Your Members:Online Banking Community • Are you marketing the OBC to yourmembers yet?

21. Marketing To Your Members: CU*BASE Member Connect • Use your channels: Emails, home banking messages can be sent any time using Member Connect Dear Member... “CU*@HOME will be changing to It’s Me 247 Online Banking this fall. You’ll still be able to look at your accounts, transfer funds, and take care of your business just like you do in CU*@HOME now, with a fresh new look that can even be personalized with your favorite colors and pictures!” Dear Member... “We’re excited about a new look for online banking coming this fall! Have you checked out the prototype for It’s Me 247 Online Banking yet? Visit our website and click the Online Banking Community button today!”

22. Marketing To Your Members: YouTube Video • For $350, you can customize the It’s Me video with your CU information tagged at the end for television advertising • Contact Fulvew Productions at 616-458-5822

23. Marketing To Your Members: Web/PC/DVD Video • Our Self Service Short has been updated for It’s Me 247 • If you are currently running this on screens in your office contact mhaehnel@cuanswers.comfor a free replacement

24. Marketing To Your Members: It’s Me Giveaways • It’s Me promotional mirrors • 250 @ $0.90 ea • 500 @ $0.74 ea • 1,000+ @ $0.69 ea • To customize with your logo and place an order for these round compact mirrors, contact Mary Mills at Suttersmill: mary@suttersmill.com800-824-0594 x218 Item No: 1125

25. http://www.cuanswers.com/kitchen Marketing To Your Members: Artwork For Your Materials • If you need artwork, color schemes or login buttons for your own marketing materials, visit the CU*Answers Kitchen!

26. We’re excited...and we hope you are, too! www.itsme247.com

27. Bonus Time! A sneak preview of other new online tools designed especially for your business accounts...coming soon to all members via e-statements! • e-Statement Account Analysis • Teller Receipt Analysis

28. Online Account Analysis • Will be available on the e-statement XML view for staff and members • Summary and detail organized by transaction type • Designed for your business accounts but available to all members

29. New account summary analysis section at the top of the XML statement view

30. Expandable activity analysis by sub-account

31. Expandable activity analysis by sub-account

32. Online Teller Receipt Analysis • Will be accessed via a new link on the initial e-statements page for staff and members • Summary and detail organized by transaction type • For teller receipt data only • Designed for your business accounts but available to all members NewTeller Receipt AnalysisLink

33. Thank you!