!!!NEW Service For Credit Unions!!! CU Finance News and Tools - Financial Articles, Calculators and Newsletters to help you with your financial decisions.

Our Financial Articles are easy-to-understand information docments about related financial concepts and strategies that covers topics such as Estates & Trusts, Retirement, Tax Planning, Investing, Cash Management, and Risk Management. Use the articles to start learning how to manage your finances today! You can print these articles and create your own financial referance guide.

Our Financial Calculators are designed as educational tools to help you estimate answers to common financial questions. You can use these calculators to help you with Loans & Credit Cards, Estate Planning, Retirement & Inflation, Taxes & IRA's, Saving & Investing, Cash Management, and Risk Management.

Our Financial Newsletters are designed to provide timely and helpful information on a wide variety of financial topics. You can use these newsletters to help you learn more about topics such as Insurance, IRA's, Risk, Jobs, Buying & Selling, Mutual Funds, Credit, Long-Term Care, and many more topics. There are Six New newsletters every month. You can print these newsletters and create your own financial reference guide.

The articles and newsletters that are displayed have no advertisements so it's a perfect resource for your members and is credit union friendly information. We are offering this service for just $16 per month ($192 annually).

Please take a look at the demo site by clicking onthe link above. If you are interested to include this serivce with your website give us a call and we will have you site set up TODAY! We will setup a page that will open the link to the calculators and news articles with your credit unions logo and header information on that page along with the calculators, newsletters and articles.

About Us and Our relationships with credit unions:

Internet Computing Solutions has provided credit union web site hosting since 1999. We have provided computer and network consulting services for credit unions since 1996 and have worked in the financial and insurance industries since 1983.

Given our background and experience we have a unique understanding of the ever-changing regulations and requirements of providing web site hosting for credit unions. We also understand the credit union business. We have worked directly with NCUA and independent auditors to ensure that our credit union websites are within compliance guidelines.

The following are some of the topics and guidelines that need to be taken into account when creating and maintaining a credit union website.

Facility, Equipment and Hosting Issues:

• Our hosting facilities meet the highest level of security requirements for providing web site hosting for Credit Unions. Including 24 hour monitoring by onsite technicians, electronic access control systems and security cameras, network and equipment redundancy, enterprise level uninterruptible power supplies, Liebert environmental control systems, and diesel generators for extended emergency power.
• Data backups are generated on a nightly basis. Also a backup is maintained "off-site" for disaster recovery purposes.
• Our email servers provide both spam filtering capbilities and virus protection and support the use of Secure Digital Certificates.
• We use 128-bit SSL certificates for website data encryption as needed.
• Website updates and changes, if maintained by us, are only accepted from designated persons and must be submitted in writing (via email or fax) to ensure the accuracy of the credit union information.

Compliance Issues:

Internet Computing Solutions works with all of our credit union customers to ensure compliance. If and when we receive updated compliance information concerning any of our credit union websites, we review all of our credit union websites to ensure that all of them are compliant with the auditors. Below are some of the most common compliance issues overlooked by most web site hosting companies that simply don't have the experience to ensure your website compliance.

• Your Share insurance logos whether by NCUA or some other Share Insurance provider must be on your home page and on each page that mentions a deposit account.
• If your credit union does real estate loans, an equal (or fair) housing logo must be on the home page and on each page that mentions mortgages.
• If you state an interest rate for a loan, the APR must be stated. Annual Percentage Rate must be spelled out somewhere on the page. Most websites when stating rates will have a column for APR* then state *Annual Percentage Rate on the bottom of the page.
• If you advertise a Credit Card, the annual fee and other terms for each type must be disclosed, ie: the Schumer box must be displayed.
• For Home Equity Loans your HE Disclosures should be on the website and any variable rate features, loan origination and interest points must be disclosed.
  
• For All Loan Rates, the rate must be referenced as an APR and if you specify a term, a payment example page must be disclosed. You should create a seperate payment example page for evey loan type and term that you advertise.
• On Savings Rate Pages and Certificate Pages you should use the term "Dividend Rates" when describing your rates. DO NOT use "Certificate of Deposits" or "CD" anywhere. You must specify at least the APY and that the term APY stands for Annual Percentage Yield. You must specify Minimum Balance requirements and terms and should disclose on all Savings or Share pages that discusses paying dividends: "All savings and investment dividend rates other than certificates are variable rates."
• For Online Loan Apps, you should determine if it complies with Reg. Z., Reg B., and W-9 requirements. Reg. Z pertains to credit cards, the Schumer box and mortgages that require certain disclosures. Reg B. regulates equal credit. You should not require a spouse as a comaker and do not omit child support and alimony language when requesting other income.
• If you place 3rd party links on your credit union website or offer services that are provided by a 3rd party link on your credit union website, you must first display an appropriate disclosure allowing the visitor to "opt-out" of being redirected to that 3rd party website.

Internet Computing Solutions
P.O. Box 24234
Indianapolis, IN 46234
www.icoso.com