2. Alternatives Federal Credit Union Founded 1979 $83 million assets 9,800 members

3. A Comprehensive Approach Education and Community Service –Individual Development Accounts (IDAs) –VITA (Free Tax Preparation) –Business CENTS –Financial and Housing Counseling Loans –Mortgage / Consumer / Business Deposits –Eliminate barriers –Free Checking, No Minimum Balance

5. Growth in Total Assets Year end 2008 20102013 $ 55.7 million$ 66.5 million$ 83.4 million

6. Why Members Choose Us? -Genuine Brand -Welcoming Environment -Customized Products and Services -Cultural Diversity -A Member Experience Others in our market can’t duplicate

7. Brand Map Alternatives Positioning Statement: “Where Good Things Happen” Archetype: Community Minded, Caregiver Values: Innovative, Empathetic Community-Minded Education / Empowerment Target Audiences: Underserved in Region Sympathetic to Mission Category Descriptor: Banking for You! Personal Finance/ Community Action Hybrid Hot Buttons: Banks impersonal, disregard outside target market Alternatives is Community Focused and Responsible Purchase Factor #1: Specific products & flexibility to move people of modest means along Credit Path Purchase Factor #2: Feel of community ownership/integration Purchase Factor #3: No surprises, problems resolved easily Fast, efficient, accurate service you can trust

8. Benefits Tangible   Intangible -Customized products, fair ratesTrust, supported - Problems resolved easilyCared for -Personal Service and educationIn control -Locally focused, support neighborContributor by choosing us -Integration w/community servicesUnderstood

9. New technology supporting Alternatives programs –Convenient Electronic Access –Potential branching Staff training Increasing Our Impact