2. FRED WEST Board Chairman

3. JOHN WHEELER Chief Financial Officer

4. 2013 FINANCIAL OVERVIEW

5. Number of Active Members

6. Loan Volume Outstanding (in billions)

7. Credit Quality

8. 2013 Portfolio Concentrations Other – 5% or less

9. Net Income (in millions)

10. Operating Efficiency

11. 2013 Patronage Cash$ 13.4 million36.7 % Qualified Allocated Surplus --0 % Nonqualified Allocated Surplus $ 23.1 million63.3 % TOTAL$ 36.5 million100.0 %

12. Total Patronage Paid 2013 Declared Cash (Mar.)$ 13.4 million 3 years of Qualified Allocated Surplus (Feb.) $ 7.8 million 2005 Nonqualified Allocated Surplus (Dec.) $ 8.2 million TOTAL $ 29.4 million

13. $435 million declared Patronage since 1990 $300 million returned in cash

14. BOB FRAZEE Chief Executive Officer

15. Changing World Population

16. U.S. Race & Ethnicity Trend

18. Overregulated America

20. Election Regions