Preferred Vendors

CALL CENTER

Lending Solutions, Inc. (LSI) has been the leading provider of lending center services and consulting programs for financial institutions across North America since 1994. We are committed to providing world-class service to each and every borrower who calls our National Loan Processing Center. Our lending professionals are expertly trained to deliver a uniquely positive lending experience. For more information on LSI please visit their website at www.lendingsolutions.com

INTERNET LENDING TOOLS

VisualGAP is a powerfull internet based analysis tool that allows Credit Unions to estimate the GAP risk on vehicle loans. Developed by Frost Financial Services (Frost) as a cross-selling tool for Credit Unions that offer GAP coverage to their members, VisualGAP illustrates the scheduled Loan Amortization against the estimated Depreciation of any specific vehicle loan.

As a subscriber to rexcuadvice.com, Frost is pleased to allow you FREE access and usage of VisualGAP on a limited basis. VisualGAP is the only lending tool that can help Credit Union management analyze the inherent collateral risk of various vehicle loans. Here is a simple example:

Setting Interest Rates for New and Used vehicle loans - Many credit unions charge higher loan rates for Used vehicles because they believe that they have greater collateral risk on Used vehicles. Although this may have had some validity in prior years, in today's world we are experiencing the fifth consecutive year of severely depressed used car values.

What does this mean to Credit Union lenders? Check it out for yourself!! Go to www.visualgap.com and enter your assigned login id and password. Compare the collateral risk on new vehicle loans versus used vehicle loans. We think that the illustrations may have many lenders rethinking their pricing strategies.

MESSAGING SOLUTIONS

With over 12,000 clients worldwide, TeleVox is the proven leader in messaging solutions for the credit union industry. Combining a diverse mix of outbound message delivery, member outreach programs, data append services and survey delivery systems, TeleVox provides a variety of solutions that will improve the quality of care given to members.

HouseCalls^TM, TeleVox's automated messaging system, is designed to help credit unions communicate more effectively with members at a significant savings compared to manual phone calls or direct mail. Whether contacting 25 or 25,000 members per day, HouseCalls' technology delivers personal messages in a fraction of the time it would take to reach them manually, for considerably less than a credit union's current costs.

HouseCalls can be used for:

Collection calls
Fannie Mae approval welcome calls
Overdrawn account notifications
Credit card fraud blocking and reissue calls
Customer satisfaction surveys
Promotion of new products, service or events

Contacting members via telephone or direct mail is expensive, time consuming and often unsuccessful. With HouseCalls, credit unions can efficiently deliver messages at any time of day, early evenings or even weekends. HouseCalls' customized messages contain all important delivery data including member name, dates, times, locations, amounts due or specific instructions.

For more information, call 800-644-4266, visit www.televox.com or e-mail info@televox.com.

NEW & USED VEHICLE EXTENDED WARRANTIES

Auto Exam, Inc. is a nationwide provider of New & Used Vehicle Extended Warranties. Auto Exam has been serving credit unions since 1992. We currently partner with over 150 credit union clients in seventeen different states. The Auto Exam Extended Warranty program was developed exclusively for credit unions and their members. The warranties are honored nationwide and in Canada. The program provides comprehensive coverage's, terms, and deductibles for maximum flexibility and is backed by a financially stable A rated insurance company, rated by the A.M. Best Rating Company.

Extended Warranties are a great product to offer to members because they are an easy add-on to any auto loan and can help minimize losses to the credit union. Extended Warranties are a great benefit to members because they provide important coverage against mechanical breakdown for the time between the expiration of the manufacturer's warranty and the term of the loan. Moreover, with Auto Exam's program this coverage can be provided via the credit union for much less than the dealer can. Benefits Include:

Bumper-to-bumper Exclusionary new car coverage.
Comprehensive used car coverage.
Several deductible options available.
Direct Payment, "No Hassle" claims, no reimbursement forms.
Premium can be added to the amount financed with the vehicle loan.
Coverage is transferable.

Auto Exam offers complete support for the credit union including a dedicated online training website, real-time internet warranty quotes, and an experienced call center. Auto Exam's call center does all the work for the credit union including transfers, cancellations, contract creation, warranty quotes, and customer service for both the credit union and its members. For more information visit www.autoexam.com or call 1-800-709-5792.

CREDIT CARD SERVICES

Card Analysis Solutions was founded in November 2003 by Ondine Irving, a 20 year credit union industry veteran. The fundamental reason for creating Card Analysis Solutions was to offer credit unions a complete, unbiased solution to overcome the complexities of managing card portfolios in areas of both operations and marketing.

Card Analysis Solutions will evaluate the strengths, weaknesses and opportunities of card portfolios in areas of both marketing and operations. She also provides an objective, factual viewpoint for credit union's that may be considering selling their portfolio.

Card Analysis Solutions is not affiliated with any particular card processor, association or portfolio broker, and can offer unbiased opinions and recommendations that will truly benefit credit unions.

Ondine's background includes 20 years in the credit union industry, including 12 years employed at Baxter Credit Union, 5 years at the nation's top Credit Union card processing organization and most recently the credit union's premier market research firm.

Over the past 6 years, Ondine has worked with some of the nation's largest credit unions improving the overall performance of credit and debit card portfolios. Ondine has helped credit unions stimulate growth in the card programs, while saving thousands of dollars annually, increasing income and introducing new effective marketing approaches.

Card Analysis Solutions services include:

Complete analysis of the credit and debit card programs
Recommendations to improve portfolio performances
Customized marketing tactics geared towards your Credit Union
Operational Audit of the card programs
Processor Invoice Audit
Review of pricing, fees and enhancements
Analysis of Enhancement Programs
Assistance developing new product lines

For more information, please visit www.cardanalysissolutions.org or call toll free at 1-866-602-9777. Ondine can be reached at ondine@cardanalysissolutions.org

INSURANCE BROKERS

MJB Insurance Services, Inc. has been serving credit unions throughout the Midwest since 1995. We currently partner with over 100 credit union clients in six different states. By providing quality products and training, MJB has been able to help credit unions enhance their profits, protect their assets and loan portfolios, and meet the wants and needs of their members.

MJB Insurance Services competes in the marketplace by searching for products and services that are unique or superior from the market standard. Through the many contacts with various insurance providers, MJB Insurance Services has the ability to search the market in order to meet the needs of a particular credit union or member. We will continually strive to remain on the "cutting edge" of any new or unique programs.

MJB Insurance Services objective is to foster long-term relationships with credit unions that will provide stability and protection for the credit union and its members.

Some of our solutions include:

AD&D, Bond, Credit Insurance, Collateral Protection, Credit Life and Disability
Debt Protection, Force Placed Homeowners, GAP, Hospital Accident Protection
Overdraft Privilege, Life Savings Alternative, Loan Protrection/Life Savings, Term Life
LOC - Default Protection, Value Added Checking Packages, Vehicle Service Agreements
Wellness Extras

MJB Insurance Services, Inc.

Phone (816)350-0500

Fax (816)350-0501

Michael J. Button, President Mike@MJB4U.com

Alan Tenbrink, Vice President Alan@MJB4U.com

INSURANCE BROKERS

The Stewart Group was founded with the sole purpose of providing quality products and services to the credit union industry. In support of that purpose is our belief that there needs to be stronger and more individualized relationships between the credit union and its insurance partners. At The Stewart Group, we believe the keys to creating the right business relationship are communication, understanding, and the willingness to work together to make the programs reach their ultimate potential.

We specialize in offering customized solutions that provide the right mix of service, protection and income generation. Our programs include:

Collateral Protection Insurance
Credit Insurance/Debt Cancellation
Extended Warranties
GAP
Accidental Death and Dismemberment
Bond, D&O and Property and Casualty Coverage

For more information, please contact:

Jeff Stewart at jstewart@thestewartgroup.com or Rob Johnson at rjohnson@thestewartgroup.com

The Stewart Group, Inc.

Phone: (877) 458٠8855

Fax: (847) 458٠8866