1. BALANCE Financial Fitness Program Financial Education and Counseling as a Benefit of Membership COPYRIGHT © 2006 BALANCE FINANCIAL FITNESS PROGRAM

2. BALANCE  A free service for members and employees  Certified counselors provide financial counseling and education by phone Money management Credit reports Housing Savings plans Debt management and bankruptcy prevention Identity theft

3. Services BALANCE services InfoLine Credit report review Money management counseling Debt management Housing education Bankruptcy prevention Nationwide non-profit referral database Educational resources

4. Member Benefits  Confidential, comprehensive counseling  Services for members of all financial situations  Provides an alternative to bankruptcy  Helps members improve their credit-ability Avoid alternative financial services Reduce debt Rebuild credit Build assets  Members pay no fees for financial counseling and debt management services

5. Credit Union Benefits  Supports mission of education  Prepares members for financial services  Provides a resource for struggling members  Offers an alternative to bankruptcy  Assists staff in helping members reach their financial goals

6. InfoLine 888-456-2227  Immediate access to financial counselors by phone (day, evening and weekend phone hours)  Callers get answers to a wide variety of money management and credit questions  Multilingual staff  Phone access provides convenience and privacy

7. Phone Hours Eastern Time Zone Central Time Zone Mountain Time Zone Pacific Time Zone Monday thru Thursday 8 a.m. – 11 p.m.7 a.m. – 10 p.m.6 a.m. – 9 p.m.5 a.m. – 8 p.m. Friday8 a.m. – 8 p.m.7 a.m. - 7 p.m.6 a.m. – 6 p.m.5 a.m. – 5 p.m. Saturday11 a.m. – 8 p.m.10 a.m. – 7 p.m.9 a.m. – 6 p.m.8 a.m. – 5 p.m.

8. Credit Report Review  A line-by-line review of the member’s credit report Members declined for loans Members preparing to apply for a loan Members with inaccurate information Members struggling with fraud and identity theft  Counselors will review reports from most sources Free reports from bureaus with adverse action Free reports from Annual Credit Report Request Service Fee-based reports from bureaus Fee-based reports through BALANCE  Comprehensive educational materials and action plans are provided with credit report review

9. Counseling  Some calls will result in setting a counseling appointment for more detailed discussions. Money management Credit Spending and savings plans Goal setting Housing Debt repayment  Counseling appointments are offered weekdays, evenings and weekends.

10. Debt Repayment Options  Counselors explore multiple options for debt repayment  The member and counselor weigh pros and cons of each option  Member may be referred to credit union for a loan if appropriate  A Debt Management Plan may be appropriate

11. Debt Management Plans  A debt repayment plan in which payments are consolidated and made through BALANCE  Creditors may establish new payment terms including lower interest rates and payments  DMPs generally last 3 to 5 years  BALANCE does not charge any Debt Management fees

12. Housing Counseling  First time homebuyer education Money management Credit report review  Early delinquency intervention counseling Avoid foreclosure Determine options and consequences for handling mortgage delinquency  Reverse mortgage counseling

13. Bankruptcy Prevention  Help members explore alternative options  Ensure members understand consequences  Determine possibility of loan extensions and hardship programs

14. Get Familiar With BALANCE  Review the materials on our website, www.balancepro.net  Test drive BALANCE – call 888-456-2227 and ask a money management question, check your credit report or update your household budget  Services are free, confidential and convenient