1. Defense Credit Union Council Update Military Pre-Conference AFCPE November 19, 2008 Presented by Roland “Arty” Arteaga President/CEO Defense Credit Union Council “Serving Those Who Serve Our Country”

2. “Serving Those Who Serve Our Country” Federal Regulator…responsible for the safety and soundness of federally insured credit unions NCUA insures accounts in credit unions through the National Credit Union Share Insurance Fund…$250K per qualifying account backed by full faith & credit of US Government not one penny of insurance has ever been lost by a member of a federally insured credit union

3. “Serving Those Who Serve Our Country”

4. “Serving Those Who Serve Our Country” DCUC

5. “Serving Those Who Serve Our Country” “Kiplinger and BBB Military Line Personal Finance Guide Personal Finance Guide …Tailored for Our Nation’s Finest” ********************** 20-page booklet offering financial advice…plus short videos comprehensive guidance on diverse personal finance topics booklet will be distributed free to more than 700,000 servicemen and women worldwide Sponsors: Investor Protection Trust; DCUC; Clearpoint Credit Counseling

6. a weekly one-hour program airs Sundays at 3:00 p.m. Eastern on the Radio America network airs on Armed Forces Radio & Television Service host Paul Berry talks to consumer and money experts DCUC will co-sponsor in 2009 presented by America’s Credit Unions and produced by CUNA “Serving Those Who Serve Our Country”

7. “Serving Those Who Serve Our Country” Quarterly publication providing featured articles, consumer news DCUC will coordinate and offer hard copies to PFMs

8. “Serving Those Who Serve Our Country” financial readiness starts at HFFRC…located on dcuc.org website plethora of financial information on such topics as auto, credit, savings and investing videos & audio (HFF Radio) produced by sister trade CUNA and offered to DCUC another excellent resource for PFMs, troops, and their families

9. “Serving Those Who Serve Our Country” Military Credit Unions (including multiple group-primarily military) Credit Union Asset Quality Trends 60+ Day Dollar Delinquencies as a % of Loans Outstanding Non-Mortgage Loans Mortgage Loans Member Business Loans All TotalCredtAll Other TotalFirstAll Other TotalAgricultura All Other YearLoan Non- MortgageCard Non- Mortgage Mortgag Mortgage MBLMBLs 19970.84 1.090.001.30 0.280.250.33 0.210.420.19 19980.66 0.860.001.02 0.230.200.28 0.434.370.23 19990.53 0.710.860.68 0.180.150.23 0.132.510.04 20000.56 0.730.840.72 0.200.180.24 0.00 20010.67 0.900.930.89 0.230.160.37 0.100.000.10 20020.58 0.810.870.80 0.180.110.32 0.070.830.06 20030.55 0.780.870.76 0.170.110.34 0.000.34 20040.60 0.880.980.86 0.170.120.27 0.42N/A 20050.58 0.850.730.87 0.200.160.26 0.32N/A 20060.50 0.730.680.74 0.210.120.35 0.420.000.42 20070.69 0.941.010.92 0.420.230.75 0.405.280.38 Jun 080.74 0.961.100.93 0.520.290.98 0.260.000.26

10. Chargeoffs Net of Recoveries as a % of Loans Outstanding Non-Mortgage Loans Mortgage Loans Member Business Loans All TotalCrediAll Other TotalFirstAll Other TotalAgricultura All Ot her YearLoan Non-MortgagCardNon-Mortga MortgaeMortgagMortgage MBLMBLs 19970.76 1.080.001.29 0.040.030.06 0.020.280.00 19980.77 1.120.001.33 0.030.020.06 0.00 19990.56 0.831.920.63 0.030.010.07 0.190.200.19 20000.50 0.731.650.56 0.030.020.05 0.020.000.02 20010.56 0.851.720.69 0.020.010.05 0.010.000.01 20020.60 0.931.680.80 0.020.010.06 0.00 20030.60 0.961.750.83 0.020.000.06 0.080.070.08 20040.63 1.021.690.90 0.020.010.06 0.00N/A 20050.79 1.342.151.20 0.010.000.03 0.00N/A 20060.56 0.981.300.91 0.020.010.04 0.000.220.00 20070.59 1.071.490.97 0.070.000.18 0.010.000.01 Jun 0 80.84 1.412.181.22 0.270.020.80 0.040.000.04

11. n CU4 Reality… financial education for youth n DCUC Survey n products/services; support n Joint Financial Readiness Challenge n DCUC stands ready to support n on-base credit unions stand ready to assist n an integral part of your team n Military Saves Campaign n year round effort with emphasis during Mil saves week “Serving Those Who Serve Our Country”

12. “Serving Those Who Serve Our Country” Tough Times New Strategies

13. “Serving Those Who Serve Our Country” Financial Readiness Support the Force Mission Readiness

14. The Focus Financial Education Savings Products & Services

15. The Summary n Environment and Economy are in flux…VUCA in flux…VUCA n Challenges prevail n Good news… we’re here; you’re here you’re here “Serving Those Who Serve Our Country” QUESTIONS? QUESTIONS?