6 April 2011

Who Are We?

• Nation’s First and Only “Turn Key” solution for Lifestyle Lending

• Incorporated April 2007

• Headquarters in Salt Lake City, UT

• Comprised of Credit Union Indirect Lending Experts

• CUSO

Our Objective

• Increase Profits

• Produce New Membership Growth

• Build New “Indirect” product through Business Services Channel.

• Bring High Yield Loans

"The goal of LLS is to create relationships that will help the credit union optimize profits, reduce costs, and

increase business associations with medical and retail providers within the community, this is what we do!"

- Kirk Harris, Founder / CEO

Building For The Future

Lifestyle Lending

• What is it?

• Why do it?

• What is the current market?

• How does it work?

What is Lifestyle Lending?

Lending for Member’s Lifestyles at the Point of Sale

RETAIL

MEDICAL

Retail

• Heating and Air

• Pianos

• Hot Tubs

• Home Improvement

• Water Softener

• Furniture

• Pool Tables / Gaming

• Attorney Services

• MORE

Medical

• Cosmetic Surgery

• Dermatology

• Hearing

• Infertility

• Dental

• Veterinarian

• Vision

• General Surgery

• MORE

Consider the Numbers

• Over 12,000 - Applications Submitted

• Retail Is The Fastest Growing Group On Lifestyle Lending

• 73% - Approval Rate for Water and HVAC providers

• 718 - Average Funded Credit Score

• $3,822 - Average Amount Funded

• 663 - Average Credit Score Application Overall

• Over $12 Million – Funded

• 13.27% - Average Funded Interest Rate

• Over 600 - Medical & Retail Providers Signed

• A Cosmetic Dentist Has 2,000 Active Patients On Their Books– Are Any Of Them Your Members? Could They Be?

• Less Than 1% - Delinquency (3.5 years reporting)

Why Lifestyle Lending?

Get New Members

High Yield Loans

Increase Profitability

Natural Affinity to Repay

Build Business Services

Cross Sell Opportunities

Integrate Into Community

No Reserves or Flats Paid

- 93% New Members

- 13.27% Avg Rate

- Increase Profitability

- Under 1% Delinquency

- Over $2 Million in Bus Loans

- Avg 3 loan products

- Brand Awareness

What is the Current Market?

• Credit Card

• Charge Provider 6-12% Amt Fin

• 30% “Trap Door” Rate Hike

• Promotional Programs– 0% for 6 or 12 months

– 90 Day “Same as Cash”

THE SOLUTION

“Turn Key” Solution

Full Provider Training And Support

Develop Provider Network

Online Patient/ Client Portal

"Find A Provider" Program (Online)

Marketing Material For Provider

Full Retail And Medical Contracting

Loan Documents And Compliance

Quarterly Provider Surveys

Full Lender Consulting

Automated Underwriting

Instant Approvals

Integration To Most Core Systems

0% Financing Compatibility

E-signature, Docusign, and Fax

Funding

Fully Customizable Reports

Cross Selling Functionality

SAS70 Secure

The Provider Interface

Online Web-Browser Based

Instant Decisions

Fast, Easy Digital Signature

Auto-Populating Documents

Reports for Provider Management

“Link to Us” Banner for Website

Direct Application or Client Portal

Secure Instant Messaging with Lender

Submit Loan Application

AT HOME(Patient Portal)

IN OFFICE(Provider Access)

OR

Applicant Receives Information

Online Submission

Lender Decisions Loan

Provider Receives Decision Provider Prints/Signs Docs(Auto Populated)

Loan Applications

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

Approval Rate

100

365

548

0

100

200

300

400

500

600

2008 2009 2010

Avg Monthly Volume

Funding Reports

• Avg. Amount Financed $3,822

14

78

144

0

20

40

60

80

100

120

140

160

2008 Avg 2009 Avg 2010 Avg

Avg Monthly Funded Count

$62,654.26

$280,894.99

$520,414.92

$0.00

$100,000.00

$200,000.00

$300,000.00

$400,000.00

$500,000.00

$600,000.00

2008 2009 2010

Avg Monthly Funded Amount

Find a Provider

• Offer exclusive discounts to CU members

• Marketing for Providers

• Research tool for members

– BBB, Discounts, Social Networking, Web Link

• Online Application direct to the lender

• Custom credit union page

Payment Calculator

Separate Medical/Retail Pages

Provider Information

BBB Research Link

Social Media Connections

See The Advantages

Lender Customization

How it Works

1. LLS sends credit union custom link

2. Credit Union places link on homepage

(Behind custom banner)

Everyone Benefits

CU Member Chooses Find a Provider on CU

Website

Member Conducts Research, Prints

Discounts Deals, or Apply for Financing

Directly

Provider Connects with Member for Services

Provider Finishes Loan Paperwork in Office

Back to Member’s CU

How to Get Started

• Contract Review and Signing

• Implementation Meeting to Determine parameters of YOUR Program

• LLS Begins Targeting Provider Network

• Train Staff/Business Services

• Go “Live”

6 April 2011