CU VILLAGE.com. Buy or Lease Calculator. Credit Card Payoff Calculator. CU Village.com, Inc. Nationwide: (800) Web Site:

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1 Financial FINANCIAL CALCULATORS s Helping your members with their financial planning should be a key function of every credit union s Web site. At CU Village, we provide you with the tools to do just that. We offer a wide variety of calculators for your Web site to help your members with their budgeting, buying, lending, retirement, and more. Below are just a few eamples of what your members can do with calculators from CU Village: Members can calculate how long it will take to pay off their loan or save for that new car, and much more! If your members are in the market for a new vehicle, they might want to know which option is better for them financially buying or leasing. They can do this easily with the Buy or Lease? calculator. Or your members might want to see how long it will take to pay off their credit card balance with different monthly payments. Perhaps your members just want to know how long it will take to reach a savings goal or how much they will have saved when they retire. Whatever your members need to calculate, with the variety of calculators that we offer, you can help your members make their financial decisions quickly and easily! Many of our calculators come with a list of definitions, so your members can learn even more about their financial choices. Like your credit union, your members are unique, so you choose the calculators that will work best for you and your members. We offer the following options: Packages Choose a preset package of 15, 25, or 50 calculators for the best deal. Financial Resource Center SM Use the set of 15 advanced calculators that come with Financial Resource Center. Individual License custom sets of calculators, with as few as one or more than 100. Customization In addition to other customization options, we can make the calculators look like your site. Credit Card Payoff Buy or Lease

2 FINANCIAL CALCULATORS Specifications for Preset Packages s Auto Business Credit/Debit Cards Investment Loan Mortgage Auto Loan Early Payoff Auto Loan vs Home Equity Loan Auto Loans Lease vs. Buy Business Valuation Cash Flow Financial Ratios Working Capital Needs Accelerated Debt Payoff Credit Card Payoff Personal Debt Consolidation Asset Allocator Investment Loan Investment Returns Alternative Payment Frequencies Amortizing Loan Enhanced Loan Line of Credit Payoff Loan & Credit Line Payments Loan Comparison Adjustable Rate Mortgage Payments Mortgage 15 vs 30 Mortgage Find out how much interest you can save by increasing your monthly auto loan payment. Lower interest rates and a ta deduction are good reasons to take a look at a home equity loan to finance your net automobile purchase. Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price. Find out if you should lease or finance your net automobile. Enter your cash flow information, your cost of capital and your growth rate to determine your business NPV valuation. Helps determine the cash flow generated by your business. Helps you zero in on areas of your business (such as solvency, liquidity, operational efficiency and profitability) that may need attention. Assists you in determining your working capital needs for the net year. Shows you how to accelerate your debt payoff. See what it will take to pay off your credit card balance and what you can change to meet your repayment goals. Helps determine if debt consolidation is right for you. Your age, ability to tolerate risk, and several other factors are used to calculate a desirable mi of stocks, bonds and cash. Helps illustrate the effect of using a loan to purchase an investment or appreciable asset. Helps you see how inflation, taes and your time horizon can impact your bottom line. Determine your payment or loan amount for different payment frequencies including weekly, bi-weekly, monthly, quarterly or annually. Enter your desired payment and calculate your loan amount, or enter in the loan amount and calculate your monthly payment. Use the slider controls to change your monthly payment, loan amount, interest rate or term. See what it will take to pay off your line of credit and what you can change to meet your repayment goals. Helps determine your loan or line payment. Sort through the monthly payments, fees and other costs associated with comparing loan options. Determine your adjustable rate mortgage payments. Helps you decide if a 15-year or 30-year mortgage is better for you. Determine your monthly payment and amortization schedule.

3 s Mortgage (continued) Personal Finance Retirement Savings Taes Mortgage Payoff Mortgage Qualifier Mortgage Ta Savings Refinance Breakeven Checkbook Balancer Disability Home Budget Analyzer Life Insurance Net Worth 401(k) Savings How important is Social Security? Retirement Income Retirement Planner Retirement Shortfall Roth IRA Transfer Roth vs Traditional IRA College Savings Plan Compound Interest Cool Million Emergency Savings Lunch Savings Savings Savings Goals Savings, Taes and Inflation Marginal Ta U.S Ta Estimator U.S. 1040EZ Ta Estimator Save thousands of dollars in interest by increasing your monthly mortgage payment. Find out if you can afford your dream home. Determine how much your mortgage could save you in income taes. Find out if you should refinance your mortgage. Balance your checkbook quickly and easily. Determine your disability insurance needs. Analyze your budget, see where your money goes and find out where you can improve Find out how much life insurance you need. Determine your net worth and estimate how your net worth could change over the net ten years. See why a 401(k) is a retirement savings plan you can not afford to pass up. Determine how losing this important retirement asset could affect you. Determine how much monthly income your retirement savings may provide you. Determine if your retirement plan is on track and learn how to keep it there. Helps you determine your projected short fall or surplus at retirement. Shows the advantage, if any, of rolling over your IRA to a Roth. Which is better: a Roth IRA or a Traditional IRA? Develop or fine tune your education savings plan. This calculator demonstrates how compounding can affect your savings. Find out when your savings plan will make you a millionaire! Determine how much emergency savings you need and how you can begin saving toward this goal. See how a simple change such as bringing a bagged lunch to work can really add up. Find out how consistent investments over a number of years can be an effective strategy to accumulate wealth. Helps you find out what it will take to reach your savings goal. Determine how much your savings will be worth with inflation and taes in mind. Helps determine your marginal and effective ta rates for the year by sorting through the ta brackets and filing options to calculate your ta liability. Helps determine your ta bill for the year based on filing Form 1040 Helps determine your ta bill for the year based on filing Form 1040EZ

4 FINANCIAL CALCULATORS Additional s License these calculators individually or create your own calculator package! Business Credit/Debit Cards Investment Loan Mortgage Personal Finance Amortizing Loan Buy vs. Lease Consolidate Debt Credit Assessment Inventory Analysis Sales Volume Breakeven Analysis Consolidation Loan Investment Credit Card Optimizer How Much Do You Owe? Roll Down Your Credit Card debt! Annual Stock Option Grants Stock Option Debt Consolidator Eisting Loan Line of Credit Loan & Credit Line Ta Savings Bi-weekly Payment Mortgage APR Mortgage Points Refinance Interest Savings Rent vs. Buy Credit Assessment Enter your desired payment and calculate your loan amount, or enter in the loan amount and calculate your monthly payment. Find out if you should you lease or finance your capital equipment. See the effects of consolidating your credit cards, credit lines and installment debt to one simple consolidated loan. Assess your credit and determine what it means to you. Determine how much inventory you should hold and efficient timing of your inventory orders. Find out how many and at what price you must sell your product to make a profit. See the results of paying off your debt and investing your payment savings. Helps you determine the best distribution of your credit card debt. Use this calculator as a starting point for your debt management plan. Applies two simple principles to paying off your credit card debt. Project how much a series of annual stock option grants could be worth to you. Determine the value of your stock options for the net 1-25 years. See the effects of consolidating your credit cards, auto, boat and educational loans. Analyze one of your eisting loans and calculate your balance based on the number of remaining monthly payments. Determine how big a line of credit you can receive based on the value of your home. Helps determine your ta savings on loans or credit lines with ta deductible interest payments. Compare a typical monthly payment schedule to an accelerated bi-weekly payment. Determine the APR of your mortgage Find out if you should you buy points. See how much interest you can save if you refinance your mortgage. Determine if you should buy a home or continue to rent. Assess your credit and determine what it means to you.

5 Additional s (continued) Retirement Savings 403(b) Savings 72T Beneficiary Required Minimum Distributions Regular IRA Required Minimum Distributions Retirement Pension Planner Roth IRA Social Security Variable Annuity Benefit of Spending Less Certificate of Deposit If you are an employee of a non-profit ta-eempt organization a 403(b) can be one of your best tools for creating a secure retirement. Determine your allowable 72T Distribution and how it can help fund your early retirement. (IRS Rule 72T allows for penalty free early withdrawals from retirement accounts.) Determine your Required Minimum Distributions as a beneficiary of a retirement account. Find out how contributing to a regular IRA can help you in your retirement. Determine your Required Minimum Distributions as an owner of a retirement account. Plan your retirement with a company pension, find out if you are on track, and learn how to stay there. Compare the Roth IRA to an ordinary taable investment. Estimate how much you might receive in Social Security. Find out how deferring taes through a variable annuity can help you save for retirement. See how much your budget reductions may be worth. Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).

6 About ABOUT CU VILLAGE.COM CU Village.com CU Village.com is a credit union service organization that is dedicated to helping Credit Union System organizations leverage technology to better serve their members and customers. These traits set CU Village apart from our competitors in the marketplace: Credit union system eperience We have been serving credit unions with Web site services since 1996, so our service brings with it a level of eperience that is hard to duplicate. Ability to customize We can customize nearly every service we offer and what we don t have, we can build. Depth of product offering We have nearly everything a credit union needs to create a full-service online branch, so as credit unions needs change and grow, we are right there to help. High quality service One of our goals is to develop a partnership with each of our clients so they count on us to bring new ideas and growth opportunities to their attention. Owned by members of the credit union system Our nearly twenty investors are made up of progressive leagues, credit unions, and credit union system organizations. Our ownership structure provides us the stability and solid foundation that are vital to serving the needs of credit unions. CU Village.com offers products and services in the areas of: Consulting and Development Lending and Payments Web Site Content E-business Tools Multimedia and Design Web Site Development Education and Events Security and Compliance Web Site Enhancements For more information about any of our products and services: Visit Call your business consultant at (800) in Michigan or (800) Nationwide info@cu-village.com