LOANLINER® - CUNA Mutual Group

LOANLINER®Document SolutionsEvery transaction—from consumer to business to real estateand beyond—requires fully-compliant documentation.Common Purpose. Uncommon Commitment.

A comprehensive range ofcompliant documents.When it comes to compliance, yourcredit union cannot afford to leavea single stone unturned—or moreaccurately, a single document untested.There is too much at stake. That’swhy over 75% of all U.S. credit unionsrely on LOANLINER to provide thedocuments they need for their membertransactions.*Competitive advantage andpowerful benefits.LOANLINER documents allow you to:• Streamline your credit union’sdocuments to fit your processes andpolicies• Ensure your documents remaincompliant with up-to-date languageand disclosures• Improve the member experience• Cross-sell other deposit, lending, andinsurance products• Stay current on ever-changingcompliance issues• Introduce new lending initiatives• Maintain a cohesive brandthroughout member transactionsA full range of ready-to-tailor documents.CONSUMER SUITELOANLINER documents can be your single source of documents. Lending documentsupport includes multi-featured open-end, closed-end, and credit cards. Depositdocuments support includes savings, checking, certificates, debit card, home banking,and more.Protect more members, earn more income.Because MEMBER’S CHOICE Payment Protection enrollment can be built into ourdocuments, you can easily initiate that discussion with members. This exclusivefeature allows you to protect more members while also increasing fee income for yourcredit union.Streamlined processes benefit members.LOANLINER documents simplify and expedites the transaction process so thatmember wait time is reduced. Through the assessment process, we’ll streamline thedocumentation you use to fit your processes and policies—making your documentswork for you, not you for your documents. We help you create a positive experiencefor the members so they’ll come back to you for all their financial needs.BUSINESS SUITELOANLINER lending forms provides you the documents needed to open and maintainyour business accounts. We offer a complete suite of documents for business depositaccounts, small business loans, real estate-secured loans, and business credit cards.Member convenience is the key.For small business loans, you can help your members set up the only loan plan they’llever need with a multi-feature open-end lending system. Once the plan is open,members just need to contact you to request an advance.Be a step ahead of the competition.Because not every institution supports business accounts, you may have anopportunity to get a jump on the competition. LOANLINER document solutionshas the compliance expertise and tools to help you build relationships and gain acompetitive advantage in this growing segment of new credit union business.REAL ESTATE SUITEWe support your first mortgage and home equity (closed-end and HELOC) lendingprograms so you can process loans quickly and easily with the assurance they are incompliance with State and Federal regulations—no matter what state you’re lending in.* CUNA Mutual Group data and statistics, 1/1/11.The flexibility to keep or sell.LOANLINER first mortgage documents meet the secondary market standards toassist credit unions to originate and warehouse or sell first mortgage member loans.1

Success starts with®LOANLINER document solutions.New opportunities. Greater advantages.It’s time to discover all the possibilities ofLOANLINER document solutions.LOANLINER document solutions offers you an effective, efficient, and easyto-useway to control the details of your strategy to generate more loanbusiness and open more accounts. It’s time to discover that something assimple as the documents your members are using can have a tremendousimpact on such areas as member loyalty, compliance, operational efficiency,and much more. It’s time to take a look at all the benefits that come withCUNA Mutual’s powerful and reliable LOANLINER document solutions.Constant compliance.Breathe easy. You’re compliant with LOANLINER document solutions. Today. And tomorrow. Wecontinually review and update LOANLINER documents to ensure the language in the documents isalways compliant with State and Federal regulations. And our specialists will not only notify you ofall regulatory changes, we’ll inform you as to how those changes may affect your operations. Inaddition, our compliance warranty protects your credit union from any potential damages causedby language and terminology used in any ofour documents.Seamless simplicity.The emphasis is on efficiency. LOANLINERdocuments are designed to work smoothlywith your systems and processes, saving yourcredit union critical time and money. The keyis customization and flexibility. And CUNAMutual Group’s vast experience working withcredit unions means every document has beendeveloped to help credit unions work fasterand smarter.Boost your lending activity.To survive and thrive in today’s competitivelending landscape, your credit union needs to be innovative and imaginative. Every opportunitymust be considered and every advantage leveraged. Areas such as multi-featured open-endlending—a lending concept pioneered and perfected by CUNA Mutual Group and LOANLINERdocument solutions—offer promising revenue possibilities.Training and support.Our commitment goes far beyond the delivery of your documents. CUNA Mutual Group is wellknown for its commitment to training and ongoing support. You can rely on our team of operationsand compliance experts for effective training that brings your staff up to speed before youintroduce LOANLINER document solutions. And after your system is established, you can use ourever-evolving series of training programs and materials to keep your staffup to date as changes occur.A format to fit your needs.For your convenience, lending and deposit account documents are available in either electronic orpaper formats. LOANLINER document solutions gives your credit union a complete resource for allyour lending and deposit processing documents and related operational supplies.CUNA Mutual Group 2

Compatibility is key.LOANLINER documents are compatible with more than seventy of the nation’s leading dataprocessors, loan operating systems, and third-party processors, allowing your credit union toseamlessly transition to new data processors and maintain smooth-running processes for yourstaff and members.It’s about a lot more than forms.The real benefit of LOANLINER document solutions is about staying up-to-the-minute withthe latest compliance changes and incorporating a streamlined process for your staff. It’s alsoabout delivering a seamless experience for your members, giving them greater confidence inyour credit union and greater comfort in their decision to use you as their primary financialinstitution.LOANLINER document solutions is more than just a document provider. Consider what elsewe offer:• Compliance professionals who are available and ready to answer your questions over thetelephone or through e-mail• Operational experts who can assess and work with your operations specialists to ensureyour documentation process is tailormadeand as efficient as possiblewhile maintaining every compliance LOANLINER WarrantyrequirementAll of our documents are covered by the• Compliance alerts that are timely andLOANLINER documents $1M complianceinformative. Our experts filter largeamounts of regulatory information warranty. CUNA Mutual Group standsto deliver only the information thatbehind our documents and will coverdirectly affects youlosses in the event the document language• Manuals, guides, and resources toinform you in advance of upcoming used is found to be non-compliant withchanges in regulations and guidelinesState or Federal regulations.that affect your credit unionTake advantage of an entire suite of LOANLINER documentsolutions offerings.LOANLINER document solutions are just one element in our innovative member-focused programs.Each component is designed to work seamlessly to give your credit union an unprecedentedlevel of support and resources to drive superior service and deliver maximum satisfaction.loanliner.comThe loanliner.com application represents the premier hub of credit union loan serviceson the Web and provides anytime/anywhere access to loan services for staff and loanapplications for members. No other site delivers more resources for your credit union’slending program.Keep your focus where itbelongs—on your operations.Maintaining compliant programsis more difficult than ever before.And keeping up with complex andever-changing regulations can bechallenging. Focus your valuableresources on generating morebusiness and building relationshipswith your members, and let us handleyour document and disclosurecompliance needs.LOANLINER ® document solutionscan help you build a strong foundationof efficiency and compliance for allyour transactions. Find out how:• Talk to your sales representative• Call 800.356-2644• Email loanliner@cunamutual.com• Visit www.loanliner.comP.O. Box 3915910 Mineral Point RoadMadison, WI 53701-0391800.356.2644www.cunamutual.comLL-0311-F4A3 © 2011 CUNA Mutual GroupCommon Purpose. Uncommon Commitment.