New Tools to AccelerateYour Portfolio Growth

Atlanta Denver Milwaulkee

2012

Table of Contents

About Datatrac .......................................................

Datatrac Great Rate Award® .................................

Increase Conversion and Traffic

Overview ..........................................................

Increase Conversion on Your Site ................

Increase Traffic to Your Site ..........................

Accelerate Portfolio Growth .................................

Contact Us ...............................................................

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Datatrac began in 1988 as a newsletter service monitoring interest rates for banks and credit unions in Milwaukee, Wisconsin. During the next twenty years, Datatrac built America’s largest database of deposit and loan rates, fees and specials, and three best-of-breed products for the banking industry:

1) RateAlerts™ - email based rate monitoring service used by over 10,000 banking executives

2) RateIntelligence® - real-time analytics on interest rates for thousand of institutions

3) Datatrac Great Rate Award® -identifies financial products that outperform the market.

Since 1988, Datatrac has monitored and analyzed interest rate trends on deposit and lending products for financial institutions. Datatrac built America’s largest interest rate database monitoring over 35 million rates, fees and specials. Over 20,000 institutions and 100,000 branch locations in the United States report this information to Datatrac.

Today, Datatrac monitors banks and credit unions across the country to determine whichfinancial insitutions provide ‘great rates’ to help consumers make decisions on loan and depositproducts. Datatrac has been recognized by government and law enforcement agencies as anauthoritative source for interest rate research. The Federal Bureau of Investigation, the Government Office of Budget Management (OMB), and various state and local agencies have turned to Datatrac forunbiased interest rate information. Datatrac maintains a 91.5% client retention rate and #1 overall customer satisfaction rating.

About Datatrac

Over 10,000 financial executives in 3,600+ institutions relied on Datatrac.

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A Datatrac Great Rate Award® promotes your organization’s consistent high performance with deposit and/or loan rates as validated by Datatrac, a nationally recognized independent organization. Every day, Datatrac analyzes deposit and lending interest rates in United States markets. Datatrac identifies institutions who consistently outperform their local market, and the Datatrac Great Rate Award® certifies a specific deposit or lending product beats the market avereage.

Datatrac Great Rate AwardGold certification indicates historicalperformance over a specific periodof time.

Silver certification indicates real-timeperformance which is updated every business day.

Based on unbiased, industry recognized,authoritative data.

Meaningfully differentiate your institution.

Take rate shopping out of the equation.

400% marketing ROI proven by 28 financial institutions and 42 documented campaigns.

Datatrac Great Rate Awards Work

ING used Datatrac rate informationin national TV ad campaign.

M&I used Datatrac rate comparisonin newspaper and print advertising

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Increase Conversion and Traffic You offer great products and at a great rate. But are you doing all you can to promote thatcompetitive advantage? Combine the power of the Datatrac Great Rate Award®, along with theDatatrac Loan and DepositGenerator™ and watch your portfolio grow. The Datatrac Loan and Deposit Generator™ involves three main components:

Datatrac Great Rate Award® Widget

Datatrac Loan Generator Conversion App™

Datatrac Consumer Research Portal™

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These proprietary Datatrac online marketing products are design to accomplish two goals:

1. Increased conversion for better results from existing marketing programs.

2. Increased traffic for new qualified consumers that visit your website.

Increase conversion on your websiteThe Datatrac Great Rate Award® Widget and

Loan Generator Conversion App™ grow your portfolio

Consumers want to know if they are getting a good deal when they visit your current rate page. You offer great rates, but without live comparison to market data, you force your visitors to leave your site in search of comparison information. The Datatrac Loan and Deposit Generator™ provides you with consumer tools that willtransform your “flat” rate page into a business conversion engine.

The process begins with the Datatrac Great Rate Award®Widget. The Award Widget dynamicly connects to the Datatracinterest rate database and shows your visitors in real-time how well your products outperform the market. This unbiased data provides consumer’s the answer to their question, “Is this institution truly offering a ‘great rate’?”

The process then continues when the consumer clicks on the Award Widget and connects to the Datatrac Loan GeneratorConversion App™. The Conversion App™ enables the consumer to determine their savings with your institution’s different products, rates and loan amounts. This interactive analysis answers the consumer’s second question, “Am I getting a good deal?”

When consumers are satisfied that your institution offers great rates, and that they are getting a good deal, they will take action. Datatrac provides a short, non-intrusive, privacy secure, “lead” form. Consumers complete this form, and Datatrac instantly sends theinformation to your staff to contact the consumer.

Simultaneously, Datatrac sends the consumer a Certificate of Savings via email. The Certificate of Savings shows consumers how much they saved and documents the financial institution, theproduct and the rate that they analyzed with the Datatrac LoanGenerator Conversion App™. These consumers are now ready and willing to apply for and close a loan.

Installation of the Award Widget is Easy! Just one line of code will get your widget up and running on your website. Don’t worry about maintenance either - Datatracmaintains and updates the Award Widget remotely.

Conversion App™

Award Widget

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Certificate of Savings

“Lead” Form

New traffic to your websitefrom Datatrac.net

Search Engine Optimization and Social Media

For 25 years, Datatrac provided information and analytical tools exclusively to financial industry professionals. Banking analysts, managers and executives use Datatrac’s data and tools to makebetter decisions. In December 2012, Datatrac launched our DatatracConsumer Research Portal™. Now Datatrac provides the same rate information directly to consumers so they can make betterfinancial decisions as well.

Here’s how it works. Every month, over 30 million internet searches are conducted byconsumers seeking current loan and deposit rate information. Datatrac reengineered our interest rate database for search engine optimization to enable Google, Bing and Yahoo to recognize Datatrac as the consumer’s best resource for interest rate information. These search engines drive consumers into the new Datatrac Consumer Research Portal™, where they search for their specific financial product in their desired market. Datatrac highlights Great Rate Award winning insitutions and provides consum-ers paths to connect directly to those award winning banks and credit unions.

Datatrac’s proprietary technology and database architecture allow us to leverage searchengine optimization as well as social media and finacial industry websites to drive consumer traffic to our website which leads to you. Through social media, Datatrac posts current rate information,allowing consumers to connect with Datatrac and share our information with their friends andfollowers. Datatrac also posts on other financial industry sites to drive traffic back to Datatrac and then directly to you.

Where many other websites proport to provide consumers with real data, Datatrac’s business is built on research; the data that is provided to consumers is pulled directly from our database. Our consumers receive 100% real, unbiased data to help them make their loan and deposit choices.

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best auto loan rates in atlanta

Through social media sites, search engine optimizationand postings on financial industry sites, Datatrac drivestraffic to our site, and leads to you.

Accelerate Portfolio GrowthGenerate more loans and deposits

Customer Benefits:

Provides unbiased, real-time information to aid loan seeker during their loan shopping.

Enables the loan seeker to compare yourinstitution to the market average.

Answers the consumer’s question, “Am I gettinga good deal?”

Eliminates annoying and time-consuming forms.

Connects the loan seeker to Datatrac Great Rate Award® winning institutions.

Financial Institution Benefits:

Generates leads by engaging loan seekersduring their shopping phase.

Stops consumers rate shopping by providingcomparison rate information.

Provides loan seekers specific information about your institution.

Motivates loan seekers to take action andApply Now.

Datatrac Great Rate Award® provides positive branding and “halo effect” across other products.

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Datatrac Loan Generator

Datatrac delivers your most cost effective and motivated loan and deposit prospects. We based our business on data and fact

Claims are easy to make but often not delivered. Datatrac delivers the information and websitetechnology that will improve your internet marketing effectiveness. We stand by our promise with a guarantee and a pay-for-performance pricing model.

The Datatrac Great Rate Award® and the Datatrac Loan Generator™ provide consumers with real, unbiased rate information and provide financial institutions with motivated leads.Datatrac accomplishes both of these missionsby providing the consumer and the financialinstitution with real time information and website tools that create consumer action and closed loans. The Datatrac Great Rate Award®, the Award Widget, the Comparison App™ and the Consumer Research Portal™ are all integrated to provide a seamless customer experience. Datatrac specifically designed these tools tostop consumers rate shopping, motivate loanapplication, and accelerate portfolio growth.

To learn more about how Datatrac’s Loan GeneratorTM

could work for your institution,please contact us.

Ian OxmanSVP Sales & Marketing

678-391-4124ian.oxman@datatrac.net

Headquarters: Customer Service: Technical Development:

Is Your Financial Instution aGreat Rate Award® winner?

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8281 Dunwoody Place Atlanta, GA 30350

2401 15th Street, Suite 30Denver, CO 80202

924 E Juneau AveMilwaukee, WI 53202