CU on Payday provides credit unions with a turn-key solution for small, short-term loans to members. OPPORTUNITY CU on Payday, LLC is an organization created for credit unions by a credit union and experienced payday lending professionals. We offer your members an alternative to store-front payday lenders, and provide them with a chance to do business through a financial institution they already trust, their credit union. TRUST Trust is important to your members. When they need a payday advance, it makes sense that they'd rather apply for it in a comfortable and familiar environment, at the financial institution where they already do business, or in the comfort of their own home by phone or online. CU on Payday delivers on that trust by providing a lower-cost alternative to traditional payday lenders, saving your members money when they need it most. GOOD BUSINESS Besides delivering a convenient product to your members, CU on Payday makes good business sense for your organization as well. It's a way to attract new, younger members. It also allows you the opportunity to transition borrowers to more traditional financial services with your credit union, and offers you a new source of non-interest income. The payday loans are carried on the books of CU on Payday, allowing your credit union to offer the service with minimal allocation of resources or risk. LICENSING CU on Payday coordinates all state licensing requirements and establishes the processes necessary to quickly implement a payday lending operation for your credit union. You have two options for implementing these services. SERVICES PROVIDED BY CU ON PAYDAY * Loan underwriting, processing and collections * Required forms, processes and software * Branded Web site for members * Turn-key implementation * Marketing plan and marketing material templates * Weekly activity reporting * Coordination of LLC and licensing issues * Monthly financial accounting Sample of CU Branded Website When Your Members Need Cash For Life's Little Surprises For More Information in please contact: John Arens 801-417-1400 john@cuonpayday.com Rob Coombs 801-417-1400 rob@cuonpayday.com Dave Taylor 877-507-6070 dave@cuonpayday.com