Future Lending Trends Washington Credit Union League Doug True May 15, 2007

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Past and Present Innovation

Internet Point of Sale Technology

Credit Quality Convenience/Acquisition Cost

Burial plot financing - $2,000 - $5,000 5% rate & $50 application fee 200 – 400 monthly new members Full recourse Web portal automation

Burial plot financing - $2,000 - $5,000

5% rate & $50 application fee

200 – 400 monthly new members

Full recourse

Web portal automation

$788,540 outstanding as of March 30, 2007 14.38% average weighted rate .0056% delinquency

$788,540 outstanding as of March 30, 2007

14.38% average weighted rate

.0056% delinquency

Point of Sale will continue to take on more importance Leverage what value you bring to the transaction Guide your lending ship to Blue Oceans Listen to your members – how do they want their borrowing needs served Innovate lending recipe

Continue the conversation @ www.dougtrue.net