are you inspired?T E C H N O L O G Y S O L U T I O N S F O R T H E I N S P I R E D C R E D I T U N I O N

cui n s p i r e d c r e d i t u n i o n s o l u t i o n s 6

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welcome to

Your credit union is member-focused…enterprising… dynamic. And your core data processing system should be too. If you are settling for a plain vanilla system because you think that’s all you can afford, then it’s time to stop settling and take a look at CUtopia. It’s time to get inspired.

CUtopia is an easy to use, Windows-based core credit union system with the advanced features and functionality you’d expect in one of the “big” core provider’s systems—without the hefty price tag. With CUtopia, your organization can enjoy robust technology that helps you serve your members and compete more effectively, but at a far more affordable total cost of ownership. When you combine that with our eSuite solutions, your members will have the comprehensive array of anytime, anywhere services they demand.

Whether you’re a new credit union looking for your first core credit union solution, or an established credit union frustrated with the limitations of your current system, CUtopia will not only transform your credit union’s ability to serve your members, but will transform how you think about technology and the people behind it.

A LONG HISTORY OF HELPINGCREDIT UNIONS SUCCEED

CUtopia didn’t set out to be just any core credit union solution or just a typical technology provider. We aimed much higher. It’s simply part of our DNA as a division of Worldwide Interactive Services, LLC, a respected financial services technology company founded in 1995 that today serves more than 300 credit unions throughout the U.S.

With its team of industry professionals and decades of financial services experience, Worldwide built its reputa-tion by providing solutions designed to help small to mid-sized credit unions harness the power of our automation technology to improve their operations, compete more effectively and better serve members.

Our earlier years focused on providing vital ancillary so-lutions like audio response, online banking, bill pay and mobile banking. Today, Worldwide offers a robust core credit union solution through its CUtopia division, which is dedicated to providing growth-focused credit unions with a robust, yet highly cost-effective alternative to the

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CUtopia

s the President of a small credit union—

$7 million in assets and 874 members—I have to be sure we can provide

services that are both technologically and

financially competitive. Our CUtopia core system

helps us do just that.”◆

MARY DUNAGANPresident

Texas Workforce Credit UnionSan Antonio, Texas

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plain vanilla core credit union systems currently on the market.

Coupled with our comprehensive eSuite solutions and outstanding customer service record, CUtopia delivers the front-to-back technology and services to help our credit union clients leverage their technology investment and soar to new levels of growth and competitiveness.

CU topia’S CORE TECHNOLOGY—BUILT TO ADDRESS YOUR TOP CONCERNS

As an organization serving credit unions since 1995, we continually work with our clients to ensure that our technology and our services keep pace with market demands. Our professionals work hard to stay ahead of the issues that are foremost on your mind, enabling you to focus on running your credit union effectively and serving your members. Here’s how we help meet the needs and concerns of credit unions like yours every day:

Reducing Costs—We are keenly aware of your ongoing challenges to reduce costs. From the moment you become a client, you’ll recognize that our core solution and each of our eSuite solutions deliver sophisticated capabilities that rival those of much larger providers, but at a lower point of entry cost. Then, as you use our solutions to streamline processes, you’ll see that our technology is built with a lower cost of ownership in mind. With powerful automation capabilities, staff productivity and operational efficiency will increase. As you are able to fully leverage our technology, your credit union can use it to capture new fee income opportunities, cross-sell additional services to existing members and attract entirely new markets like “Gen Y” with CUtopia Mobile Banking and other advanced solutions. Compliance and Security—We take compliance and the security of your institution as seriously as you do. That’s why we offer a full range of compliance services—including those to combat fraud and iden-tity theft. To comply with the recent enactment of the FACTA Identity Theft Red Flag guidelines, CUtopia has developed a comprehensive 4-step program to ensure your institution avoids thousands of dollars in

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fines and penalties, as well as limits member exposure to identity theft. We also use the latest technologies, implement the most current security enhancements and continually update our security practices to protect your most valuable asset and provide you with the assurance that your data and your members’ data is always safeguarded.

Business Continuity and Disaster Recovery—With the volume of emails, member transactions and archived data that your credit union must maintain, it’s absolutely vital to the risk and exposure of your organization to have a trusted partner to ensure your credit union stays up and running at all times. CUtopia is prepared to help your credit union get back up and running almost immediately should you experience a flood, tornado or other natural or man-made disaster. Through our client management portal, it’s as simple as loading your most recent backup into our recovery system, bringing up your network and running your entire operations as it was, with little to no interruption of services. As a Type II SAS 70 audited organization, you are assured that our internal controls and safeguards

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have gone through a rigorous audit and certification process recognized by the American Institution of Certified Public Accountants (AICPA).

Integration and Open Technology Platform—The combination of CUtopia’s core credit union system, combined with our advanced eSuite solutions can provide your credit union with a powerful, front-to-back office engine to run every facet of your credit union’s operations, all from one vendor. But if your credit union is already using certain tools and software, that’s not a problem. Our technology platform is open, so you can choose the systems and third party applications you want to incorporate with our solutions—including your current core technology. We have a number of clients using all or some of our eSuite solutions who are either evaluating the CUtopia core system or are putting a migration strategy in place so that when their current contract expires, they will simply transition to the CUtopia core system. This open connectivity provides your organization with tremendous flexibility and a sensible migration path to leverage your existing technology investment until the time is right to switch.

Leveraging New Delivery Channels—With more than 200 million cell phones in use today and predictions of mobile banking users topping 40 million plus by 2012, your credit union must be at the forefront of the mobile banking explosion now to take advantage of this prolific and lucrative channel. Our Mobile Banking solution provides you with the ability to capture new members in the Gen Y and Net Generation through this technology, while our Online Banking and Bill Pay solutions help you leverage relationships with existing members. CUtopia is dedicated to

continually monitoring what’s on the horizon so your credit union can easily keep pace and incorporate best of breed solutions into your institution’s offering to capture new and exciting markets and business opportunities.

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CU topia CORE CREDIT UNION SOLUTION:

◆ Share and Loan System◆ General Ledger ◆ Investment/Fixed Assets◆ Certificates/IRAs◆ ACH/Share Drafts ◆ ATM/Debit Card◆ Loan Processing◆ Credit Bureau Reporting◆ Collections◆ Courtesy Pay◆ Data Query/Report Writer

CU topia ESUITE SOLUTIONS

◆ Online Banking ◆ Bill Pay◆ Mobile Banking◆ Audio Response

CU topia’s ESUITE SOLUTIONS—ADVANCED TOOLS FOR TODAY’S MARKET

Our eSuite solutions fully complement our core system, working seamlessly to deliver a comprehensive, turnkey offering for your credit union. Whether you decide to use all or some of our eSuite solutions, each is built to enable your credit union to achieve significant benefits including improved operational efficiency, reduced costs, the ability to compete more effectively and attract new markets.

Online Banking—Sophisticated, yet easy to use, CUtopia Online Banking delivers powerful capabilities, enabling you to attract Gen Y and the Net Generation, while offering expanded services to existing members. Key capabilities include powerful marketing and promotional tools, customizable interfaces, virtual safe deposit box and a personal finance manager feature. We also offer eStatements, allowing you to deliver up to 12 months of online member account statements to your members, while helping your credit union save money, protect the environment and make your operations more efficient. Our check imaging feature gives you the ability to provide your members with the assurance of seeing every check that clears their account with a single mouse click. Bill Pay—CUtopia’s ACH Bill Pay solution provides rich functionality to provide your members with a fast, hassle-free way to make virtually all of their monthly payments through Online Banking, Mobile Banking or our Audio Response solutions. The system’s ability to drive a high percentage of ACH payments vs. paper, combined with our low processing fees, makes it a cost-effective solution for your institution. Features include payment alerts, marketing and branding capabilities, advanced searches and many more member-friendly features.

Mobile Banking—With its ease of use, ability to accommodate any browser and its platform and carrier independence, CUtopia’s Mobile Banking solution will help your credit union become a part of the increasingly prolific and lucrative mobile channel.

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Mobile Banking has the sophisticated features you need to capture entirely new markets—including Gen Y and the Net Generation—while its easy-to-use interface and built-in security make it ideal for your members who are new to mobile banking. Key capabilities include balance inquiries, inter-account transfers, bill payments, PIN reset and lost card reporting.

Audio Response—Easy to use and administer, Audio Response provides your members with access to account information from any touch-tone telephone. The system eliminates costly, on-premise equipment, annual maintenance fees and local/toll free phone charges, and can free up your staff resources by assisting members with a wide range of transactions. Key features include SmartMenus, which enable your members to hear the menu options they select most frequently; SmartMessages, which lets your credit union deliver a customized marketing messages to a member profile grouping you designate; and both account and event alerts.

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CUtopia is a division of Worldwide Interactive Services, LLC, a leading provider of technology solutions for more than 300 financial institutions nationwide. Since 1995, Worldwide Interactive has been delivering secure, robust and cost-effective automated solutions to banks and credit unions including Audio Response, Online Banking, Mobile Banking, Bill Pay and most recently, its premier credit union core system, CUtopia. Our combination of advanced technology, low cost of ownership and passionate customer service creates an environment that helps clients remain competitive, improve service to their customers and members, maximize the automation of tasks and decrease operating expenses.

s a longtime client of Worldwide and

its eSuite products, our credit union made the

decision to switch data processing vendors to

Worldwide’s CUtopiacore solution. The

software is powerful, yet simple to use, and it is continually enhanced. Additionally, we set a

clear goal to “go green” and with CUtopia, we

now have the ability to go absolutely paperless at very attractive rates.

Even beyond the product, the people understand

what good service is. We are never a number

but a valued client.”◆

BARB CAMPBELLChief Executive Officer

Dodge Central Credit UnionBeaver Dam, Wisconsin

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