We make it simple. First Pilot Partner Call July 18, 2007; 11:00AM CST

TODAY’S AGENDA:  Greetings and Introductions  Clarification and Overview of Pilot Process  Background and Online demonstration  Group Questions and Answers  Clarification of Action Items for Next Call

Greetings and Introductions  General welcome and quick overview  Pilot Partner group introductions

Greetings and Introductions Pilot Partner Overview:  Collaborative process  40+ senior executives  26 organizations The Goal of the Process: To help develop financial education tools to help CU’s:  Generate additional sales and service opportunities  Build stronger member relationships

Greeting and Introductions: See Bio’s Online:

TODAY’S AGENDA: Greetings and Introductions  Clarification and Overview of Pilot Process  Background and online demonstration  Group Questions and Answers  Clarification of Action Items for Next Call

Clarification and Overview of Pilot Process THE GOAL OF THE PROCESS: A collaborative effort to help develop financial education tools to help credit unions:  Generate additional sales and service opportunities  Build stronger member relationships

Clarification and Overview of Pilot Process A few basic ground rules:  Please arrive on time, preferably early  Please identify yourself by name  Please put your phone on mute if need be

Clarification and Overview of Pilot Process What we Expect from People A sincere interest, commitment and passion for promoting the bottom line benefits of financial education Participation to be led by senior level executives actively involved in strategy and budgeting decisions A commitment to provide timely feedback, input and critique on how the tools should be configured to meet your needs Willingness to help clarify how products should be positioned, priced and best utilized to meet your business goals Ability for participants to participate in up to four calls (one hour and provide up to 10 hours of your time over 3-4 month process)

Clarification and Overview of Pilot Process What Benefits We Will Provide: Peer-to-peer collaboration learning experience Ability to help set pricing, strategy, and clarify key elements the tools must have Ability to get preferred pricing on the product should you feel they can add value to your organization The potential to positively impact the lives of over 3,000,000 credit union employees and members!

Clarification and Overview of Pilot Process Tentative Schedule Of Events: First Call: July 16 th (and July 18 th ) Goal(s): 1.) Introductions / overview of the process 2.) Quick demo of tools to be developed Second Call: August 6 th (and August 8 th ) Goal(s):1.) In-depth review of educational tools 2.) Get Pilot Partner input to clarify how the tools need to be configured to meet your needs

Clarification and Overview of Pilot Process Tentative Schedule Of Events: Third Call: August 27th (August 29 th ) Goal(s): 1.) Incorporate your input into product development 2.) Get member / SEG input and ideas 3.) Begin to clarify strategy and product positioning Fourth Call: September 17th (September 18 th ) Goal(s):1.) Incorporate pilot, member and SEG feedback 2.) Work to finalize product positioning, pricing and select a few key partners to launch products

ANY QUESTIONS?

TODAY’S AGENDA: Greetings and Introductions Clarification and Overview of Pilot Process  Background and online demonstration  Group Questions and Answers  Clarification of Action Items for Next Call

Background on the member education/SEG development suite of products  Quick overview on our organization and the importance of financial education  Recap of relevant experience leading to this pilot project  Demo of the member education products

Product Development Sales and Marketing PI has a talented team of professionals with offices located in Madison, Wisconsin and Chicago, Illinois. PI is a publisher of interactive educational materials that enrich the lives of the individuals and organizations it serves.

PI publishes the Educated Investor™ family of products to meet the financial education needs of the financial service firms and individuals they serve. Our customers include Ameritrade, Morningstar, New York Life, Quicken®, TurboTax®, US Bank, CUNA, Univision and roughly 100 firms nationwide.

Why is Financial Education Important? Huge proliferation of new products and services. Over 200,000 firms now market 1000s of products. Growth of defined contribution plans. Over 85 million Americans take an “active role” investing Yet, the “average” credit union employee and member simply does not understand personal finance, financial planning, investing or insurance.

Why is Financial Education Important? (SIA Investor Survey 2004 and Plan Sponsor Survey 2003)

Median score based on 2200 employees was 55.7%. Scores in various subject matters ranged from 48% to high of 68% Median score based on 2200 employees was 55.7%. Scores in various subject matters ranged from 48% to high of 68%

Results of prior Pilot Process  Since then we have put over 2200 credit union employees thru online education courses  Median score is now 82%. User satisfaction ratings of over 90%. Including 94% rate to refer to friend.

Background on the member education/SEG development suite of products Quick overview on our organization and the importance of financial education  Quick recap of relevant experience leading to this pilot project  Quick demo of the member education products

FE CONTENTE-LEARNING/SURVEYSSOFTWARE Ameritrade asked us to provide NASD compliant financial content to answer common client questions about investing. They report nearly 1:5 support calls are directed online with an estimated cost-savings of over $100,000 per month! Ameritrade asked us to provide NASD compliant financial content to answer common client questions about investing. They report nearly 1:5 support calls are directed online with an estimated cost-savings of over $100,000 per month!

FE CONTENTE-LEARNING/SURVEYSSOFTWARE NYL selected us to provide estate planning, retirement planning and tax related topics. Our work with NYL has helped them secure over 150,000 online leads and generate more than $300M in sales from web. NYL selected us to provide estate planning, retirement planning and tax related topics. Our work with NYL has helped them secure over 150,000 online leads and generate more than $300M in sales from web.

PI built a virtual university to train 1000 employees on financial basics to help them build a better financial future and drive more referrals! Over past three years over 800 employees have taken courses, and over 120 have completed original 18 hour certificate program. During this time Desert Schools helped drive over 15,000 referrals to their investment program generating over $100M in sales. PI built a virtual university to train 1000 employees on financial basics to help them build a better financial future and drive more referrals! Over past three years over 800 employees have taken courses, and over 120 have completed original 18 hour certificate program. During this time Desert Schools helped drive over 15,000 referrals to their investment program generating over $100M in sales. FE CONTENTONLINE EDUCATIONSOFTWARE

Launched Educated Investor University in April 2007 Developed thru pilot process with input of over 30 executives Goal is to have over 5000 courses completed by credit union employees Have seen some interesting success stories so far. Launched Educated Investor University in April 2007 Developed thru pilot process with input of over 30 executives Goal is to have over 5000 courses completed by credit union employees Have seen some interesting success stories so far.

Mountain America launched a campaign in Q Collective internal / external marketing and education effort Drove in over $225M in IRA + Term Deposits Total growth in new deposits was over 120% showing potential of education + marketing Also increased # of referrals to investment program by 28% Learn more with Case Study Mountain America launched a campaign in Q Collective internal / external marketing and education effort Drove in over $225M in IRA + Term Deposits Total growth in new deposits was over 120% showing potential of education + marketing Also increased # of referrals to investment program by 28% Learn more with Case Study

ONLINE SOLUTIONS SOFTWARE SOLUTIONS In January we piloted a new “Personal Finance Advisor” program serving over 200,000 employees at LOWES. We have received EXCELLENT feedback and are now expanding the program for In January we piloted a new “Personal Finance Advisor” program serving over 200,000 employees at LOWES. We have received EXCELLENT feedback and are now expanding the program for

Background on the member education/SEG development suite of products Quick overview on our organization and the importance of financial education Quick recap of relevant experience leading to this pilot project  Quick demo of the member education products

ANY QUESTIONS?

Online Demonstration

TODAY’S AGENDA: Greetings and Introductions Clarification and Overview of Pilot Process Background and online demonstration  Group Questions and Answers  Clarification of Action Items for Next Call

ANY QUESTIONS?

Group Question and Answer  Are you familiar with any comparable (competitive or complimentary) products?  What products if any do you use?  Ideas on what “niche” we should help fit? We would like 2 to 3 volunteers to spend some time one-on-one to do a more in depth demo and get feedback prior to next call. Volunteers?

Clarification of Action Items Send notes to pilot partner group by end of week Follow up to get bios from everyone Follow up to get company profiles finalized Follow up with volunteers to do more in depth demo prior to August 6 th or August 8 th Survey of related products / services you might be familiar with Anything else?

Thank you!