1. W E L O O K A T T H I N G S D I F F E R E N T L Y ICT EDUCATION SEMINARS ILCU ICT OFFICE COOKSTOWN 3 NOV 2010 KILKENNY 9 NOV 2010 CORK10 NOV 2010 LIMERICK11 NOV 2010 ATHLONE 15 NOV 2010 SLIGO16 NOV 2010 DUBLIN18 NOV 2010 W E L O O K A T T H I N G S D I F F E R E N T L Y ICT EDUCATION SEMINARS ILCU ICT OFFICE COOKSTOWN 3 NOV 2010 KILKENNY 9 NOV 2010 CORK10 NOV 2010 LIMERICK11 NOV 2010 ATHLONE 15 NOV 2010 SLIGO16 NOV 2010 DUBLIN18 NOV 2010

2. W E L O O K A T T H I N G S D I F F E R E N T L Y Agenda ICT Strategy – How We Got to Where We Are ILCUnet – Your Private Credit Union Network ILCUbis – Your Credit Union Business Intelligence Service Your IT Suppliers and Your ICT Strategy IT Suppliers - Comments from the Top Table Open Forum for Questions and Discussion Wrap-Up: ICT User Forum, Yellow Forms, Seminar Feedback

3. W E L O O K A T T H I N G S D I F F E R E N T L Y 2010 * * ICT Strategy – How we got to Where We Are Planning Committee April 1991 2010 * “New services for members” “Access to payments clearing” “Work together, not alone” Planning Committee April 1991 2010 *

4. ICT Strategy – How we got to Where We Are “ISIS notwithstanding, a technology solution must be found...” “There are a number of need areas... Electronic / Banking Services Communication Network Central Data Base / Decision Support Systems...” Planning Committee April 1991 Review Commission April 2002 * W E L O O K A T T H I N G S D I F F E R E N T L Y 2010

5. ICT Strategy – How we got to Where We Are W E L O O K A T T H I N G S D I F F E R E N T L Y “Members demand we interact with the larger financial services world.” “The responsibilities of directors are growing – we need appropriate business management tools.” Planning Committee April 1991 Review Commission April 2002 ICT Strategy April 2007 ”Regulatory requirements are becoming more onerous.” * 2010

6. ICT Strategy – How we got to Where We Are “Members and non-members want more financial services” “The ICT strategy... will be a key cornerstone in aiding Credit Unions” Planning Committee April 1991 Review Commission April 2002 ICT Strategy April 2007 ”Members are open to new product and service innovations that meet real needs” Amarach Research August 2009 * W E L O O K A T T H I N G S D I F F E R E N T L Y 2010

7. W E L O O K A T T H I N G S D I F F E R E N T L Y Malcolm Moir Network Services Manager mmoir@ilcunet.ie ILCUnet Secure Credit Union Network

8. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet – Your Private Credit Union Network

9. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet – Your Private Credit Union Network SAFE STRONG SECURE ILCUbis - Credit Union Business Intelligence Service Payments CUSO Your IT Supplier Service New Services Credit Union A Ltd Credit Union B Ltd Sub Office Credit Union B Ltd Irish League of Credit Unions ILCUnet SAFE STRONG SECURE ILCUbis - Credit Union Business Intelligence Service Payments CUSO Your IT Supplier Service New Services Credit Union A Ltd Credit Union B Ltd Sub Office Credit Union B Ltd Irish League of Credit Unions ILCUnet

10. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet – Your Private Credit Union NetworkToday ! SAFE STRONG SECURE ILCUbis - Credit Union Business Intelligence Service Payments CUSO Your IT Supplier Service New Services Credit Union A Ltd Credit Union B Ltd Sub Office Credit Union B Ltd Irish League of Credit Unions ILCUnet

11. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet – Your Private Credit Union NetworkToday ! SAFE STRONG SECURE ILCUbis - Credit Union Business Intelligence Service Payments CUSO Your IT Supplier Service New Services ILCUnet 3123 66 120 Credit Unions !

12. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet – Your Private Credit Union NetworkToday ! SAFE STRONG SECURE ILCUnet 3123 66 120 Credit Unions !

13. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet Support Tools for Your IT Suppliers

14. W E L O O K A T T H I N G S D I F F E R E N T L Y Malcolm Moir Network Services Manager mmoir@ilcunet.ie ILCUnet Secure Credit Union Network “Credit Unions have paid to build our own communications network and should now take pride in connecting to it.” – Donal Scannell CEO Thurles CU

15. W E L O O K A T T H I N G S D I F F E R E N T L Y Malcolm Moir Network Services Manager mmoir@ilcunet.ie ILCUbis CU Business Intelligence Service

16. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis – Credit Union Business Intelligence Service

17. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis GOLD – Target Value Range BARS – Actual Value Results LIGHTS – Quick Indicator Results Inside or Outside of GOAL Range

18. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis

19. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis A1 Loan Arrears 10 Wks + / Total Loans E1 Loans / Total Assets P1 Bad Debt Provision Requirements Credit Union Average Asset Band Average Membership Size Band Average BENCHMARKING Compare YOUR Performance Against the Average of Your Peers 65% 40% 42%

20. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis 400 320 240 Membership Count 160 80 0 Number of Years a Member Members by Years of Membership Analysis 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 Last Year’s Membership Drive was Successful! ~ 365 Members for 1 Year ~ 55 Members for 20 YearsNearly 20 Members for 40+ Years

21. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis % Dormant Accounts% Active Accounts Percentage 0f Catchment Ward Name Only 1% of Clady are Members ~ 16% of Stiles Ward are Members 20 16 12 8 4 0 Clady Stiles

22. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Total Savings Balance Total Loans Balance Total Arrears Balance Age Band Total Shares, Loans, Arrears 1,200,000 600,000 300,000 0 900,000 16-17 18-19 20-24 25-29 30-44 45-59 60-64 65-74 75-84 85-89 90-150 45-59 Age Band ~ 1.0 M Saved ~ 950,000 Borrowed ~ 40,000 in Arrears

23. W E L O O K A T T H I N G S D I F F E R E N T L Y Malcolm Moir Network Services Manager mmoir@ilcunet.ie ILCUbis CU Business Intelligence Service

24. W E L O O K A T T H I N G S D I F F E R E N T L Y Typical Costs for Your Own IT - Details in Your Pack (ex VAT) ILCUnet – Often replaces existing network expenses InstallationFREE(€ 1,365 paid by ICT Office) Annual€ 963 ILCUbis – Named User License for Oracle Year 1€ 662(€ 500 paid by ICT Office) Annual€ 210(Less than a Fiver a week, including VAT)

25. W E L O O K A T T H I N G S D I F F E R E N T L Y Jim Williams Strategy Implementation Manager jwilliams@ilcunet.ie ICT Strategy Building for the Future

26. W E L O O K A T T H I N G S D I F F E R E N T L Y Your IT Suppliers and Your ICT Strategy [From ICT Office Perspective] Some new Realities Change CUs have “Worked Together” - don’t have to “Go it Alone” CU-owned private communications Network CU-owned movement-wide BI New Status Quo “Go it Alone” Internet and BI Services no longer the only option Alternative Services Delivery Model Deliver to CU-owned Network and All CUs may use Shifting from “CU by CU” to “ILCUnet to Movement” Delivery Model

27. W E L O O K A T T H I N G S D I F F E R E N T L Y Your IT Suppliers and Your ICT Strategy [From ICT Office Perspective] Some new Opportunities Vastly Improved ICT Office – IT Suppliers Communications Larger market for Supplier Services - “ILCUnet to Movement” 6 / 10 Suppliers now supporting CUs on ILCUnet Greater CU Choice of Competitively-Priced Services Delivered over the CU-Owned Internet Potential for Suppliers to focus on CU-level (Micro) BI Compliment Movement-level (Macro) ILCUbis BI Opportunity for CUs to get more value from IT spend by Using IT Owned by CUs

28. W E L O O K A T T H I N G S D I F F E R E N T L Y Your IT Suppliers and Your ICT Strategy [From ICT Office Perspective] The ICT Strategy Vision – Here Now and More Coming All CUs on Private CU-Internet IT services available to All CUs at lower cost ILCUnet – CU-owned Network for Payments CUSO Your files sent to RCU Never on Public Internet – Data Protection Fully Consistent BI Data across Movement  Apples = Apples Same Governance tools, vocabulary, pictures across CUs Easy to share & talk about Comparative analyses – YOUR Performance against average of YOUR Peers Data Warehouse to quickly & accurately answer ad hoc Board queries and future RCU requests

29. W E L O O K A T T H I N G S D I F F E R E N T L Y IT Supplier - Comments from the Top Table

31. W E L O O K A T T H I N G S D I F F E R E N T L Y Call to Action - What do I do Now? Sign Up to your Private Credit Union Network o You have already paid for it - ILCUnet Sign Up to your Business Intelligence Service o You have already paid for it – ILCUbis Talk with Your IT Supplier – Share views and action plans Complete the ‘Yellow Form’ in your handout pack YOUR NEW TECHNOLOGY ENVIRONMENT

32. W E L O O K A T T H I N G S D I F F E R E N T L Y ICT User Forum for Credit Unions, Your IT Suppliers and Your ICT Office

33. Complete the Yellow Form in Your Pack ! Use What You Have Paid For ! W E L O O K A T T H I N G S D I F F E R E N T L Y