i 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 :

C U t op i amobile banking

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. With its sophisticated features and ease of use, CUtopia’s Mobile Banking solution will help your credit union get in on the action.

CUtopia’s Mobile Banking solution delivers robust capabilities that give your members the freedom to conduct their banking anytime, anywhere from their web-enabled phone or PDA.

Whether accessing account balances to transferring funds or making a loan payment, your members can bank at their leisure no matter where they are— without being tied to a computer. With CUtopia’s Mobile Banking solution, your credit union will be able to stay on the move with your fast-paced members—as well as outdistance your competitors.

ADVANCED FEATURES FOR GEN Y, INTUITIVE AND FRIENDLY FOR NEW MOBILE USERS

Study after study indicates that Generation Y will continue to lead the growth in use of the mobile banking channel, since they are attached to their mobile devices and smart phones 24 hours a day for nearly every facet of their lives—social, business, information, banking, shopping and more. That’s why our system offers advanced capabilities for members that are savvy online consumers.

By the same token, we provide capabilities and features that make brand new users to mobile banking much more comfortable and confident, particularly when it comes to protecting their personal data, an issue of great importantance to those members who tend to adopt new technology more cautiously. With its powerful, secure, yet easy to use features, CUtopia’s Mobile Banking system offers a solution that meets the wide ranging needs of all your members. Highlights of the system include:

Platform independent—Unlike other mobile banking solutions, our network- and device-independent browser-based technology means your members can use any phone and any carrier. Additionally, there is no downloading of any special software so they can begin using the system immediately.

CAPTURE YOUR SHARE OF THEMOBILE BANKING MARKET

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 sN

CUtopia MOBILE BANKING BENEFITS:◆ Attract Gen Y and Net Generation markets◆ Drive new revenue streams◆ Compete more effectively◆ Reduce cost of paper transactions◆ Deepen relationships with existing members◆ Encourage eco-friendly practices

Utopia’s Mobile Banking is a great

addition to our credit union’s remote account

access services. Ourmembers find it easy to

use, 24/7, right from their cell phone. They tell us how

they come to depend on it to quickly check an account balance, pay a bill or make

a transfer, particularly if they are on the road, or

shopping to cover anunexpected purchase. We

are very pleased that we can deliver next generation

services like this thatenable us to not only reach out to brand new markets,

but offer advanced services to our existing members

as well.”◆

JANE MEYERSChief Executive Officer

Ocala Community Credit UnionOcala, Florida

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Browser Adjusts to Each Device— To ensure the most attractive and easy to read experience on a member’s mobile device, we provide a distinct URL address. This ensures that the information on screen is adjusted to accommodate their particular phone or PDA configuration. This eliminates the need for shifting from side to side and provides a consistent and easy-to-maneuver browser experience.Integration with CUtopia eSuite Solutions—CUtopia Mobile Banking is fully integrated with our Online Banking and Bill Pay solutions, providing your members with a consistent user experience no matter what channel they choose to access their account information. Additionally, members can use the same access ID and password as they do for Online Banking and Bill Pay.Full Range of Transactions—CUtopia’s Mobile Banking system offers a comprehensive range of available transactions including balance inquiries, inter-account transfers, bill payments, PIN reset and lost card reporting.Advanced Security Features—with industry-standard SSL encryption, member-chosen mobile IDs and PIN numbers, and even two-factor authentication available as an add-on feature, CUtopia’s Mobile Banking system delivers the highest level of security available in the industry.

Onl ine Serv ice Center and Reports (OSCAR)—This power-ful tool is our service portal where our clients can log in and manage their overall relationship with CUtopia. OSCAR allows your credit union to perform many high level management functions, such as managing member access , generating key performance and management dashboard reports, serving customers and much more, all from one central location.

STANDARD FEATURES

◆ Balance and history inquiries◆ Inter-account transfers◆ Loan payments◆ Bill payments◆ Advanced security◆ Platform independent— any phone, any carrier◆ No software to download◆ Adjusts to accommodate different cell phone screen configurations◆ Interface to 35+ data processing vendors via batch or online/ real time◆ Integrated with CUtopia’s Online Banking, Audio Response and Bill Pay solutions

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.