Manage lending risk. Collateral protection.

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1 Manage lending risk. Collateral protection.

2 saves you money saves your members Tracked Collateral Protection Insurance Brochure saves you time Blanket Physical Damage Coverage Sell Sheet Immediate Issue Physical Damage Coverage Sell Sheet Real Estate Coverage (Residential & Commercial) Sell Sheet

3 Collateral protection no matter what size. Change can be a good thing. But for CUNA Mutual Group and the credit unions we serve, it s a great thing. Shape your success by shaping your coverage Growing Risks Require Increased Protection Options Damaged, uninsured collateral can put your credit union at risk. But it doesn t have to. We ve completely redefined our approach to collateral protection to offer you more ways With our strong network of alliances to deliver Tracked, Real Estate and Flood Zone More uninsured motorists to reduce your lending risk. We ve refined our portfolio to offer better solutions across the Determination, along with a proven selection of Blanket and Immediate Issue programs, Nationwide, chances are roughly one in seven that board improving upon what we do best, and carefully choosing best-in-class partners to CUNA Mutual Group provides effective coverage, dynamic service and responsive a driver is uninsured. create new solutions that provide value to the credit unions we serve. customer care. Insurance Research Council; April 21, 2011; Recession Marked by Bump in Uninsured Motorists. What hasn t changed, however, is our goal of providing a strong collateral protection We recognize that every credit union is unique with individual needs, so we offer flexible program that safeguards your credit union and supports its continued growth. CUNA protection options for any collateral portfolio and solutions for any credit union. Mutual Group committed to delivering customer-focused solutions to credit unions and their members for more than 75 years continues to evolve expectations for collateral protection customers. It s our promise to you and to ourselves. More insurance cancellations The number of consumers who saved on their auto We ll work with you to find the right approach for your credit union, no matter how big or insurance by opting not to purchase collision and how small. We ll help you better serve your members and guard those valuable relationships comprehensive insurance rose sequentially from by reducing your losses and increasing your return on assets to 2010, especially for older vehicles. Never settle for less than a perfect fit. Never settle for less than CUNA Mutual Group. Quality Planning; March 29, 2011; During Recession, American Drivers Assumed More Risk to Reduce Auto Insurance Costs. More uninsured homeowners Nationally, roughly 4 percent of owner-occupied homes lack homeowners insurance, or hazard insurance, according to the latest industry estimates. HARRY R. WEBER and MIKE SCHNEIDER/The Associated Press; May 26, 2011; Homeowners in most tornado-prone states often uninsured. Increasing regulator oversight Credit union customers have told us that regulators are more closely scrutinizing their ability to sustain loan losses. CUNA Mutual Group 2010 internal customer data and statistics. What is Collateral Protection? Collateral Protection (CP) is a suite of insurance products and services designed to safeguard credit unions against write-offs due to uninsured physical damage. An important part of a credit union s protection strategy, it protects the credit union s interest by insuring property held as collateral for the loans they make. CUNA Mutual Group

4 Adaptable coverage that suits your needs. Real Estate (Residential & Commercial) Protection that doesn t fit isn t protection at all. That s why CUNA Mutual Group offers varying levels and types of coverage to provide a best-possible match for your credit union. GET TO KNOW OUR PARTNERS Full Tracking (Flood, Hazard, Wind) Our unrivaled access to premier providers gives you the tools to safeguard your assets, and In partnership with WNC First Insurance Services. our expertise will help you build a program that makes sense for you and your members. Tracks your real estate loan portfolio and automatically protects your interests in residential, CUNA Mutual Group offers both auto and real estate collateral protection for a commercial and foreclosed properties. This program adds insurance premiums directly to comprehensive program selection with an option that s sure to satisfy. your members loans if they don t maintain coverage. Immediate Issue (Flood, Hazard, Wind) Auto In partnership with WNC First Insurance Services. Tracked Collateral Protection Insurance Helps you track members personal insurance and gives you the control to determine when to (Creditor Placed Insurance) force place insurance. It provides immediate coverage on an as-needed basis for residential, In partnership with State National Companies. commercial and foreclosed properties, with premiums charged to the individual borrower. This program tracks your auto loan portfolio and lets you add insurance premiums Blanket directly to your members loans if they don t maintain physical damage insurance. In partnership with WNC First Insurance Services. State National Companies State National Companies is the only company dedicated exclusively to Collateral Protection Insurance (CPI) for more than three decades. As a complete source of CPI protection for lenders, they deliver unmatched customer care and services tailored to your needs. With five-day turnaround on claim payments and a dedicated service staff of more than 400 people, State National knows what it takes to run a quality CPI program. Covers your eligible property loans without the need for tracking and a certificate to be in Blanket Physical Damage Insurance/Vendor Single Interest (VSI) place. May be combined with Immediate Issue to further customize a program where Flood Have you had minimal losses due to members lack of physical damage insurance? Do you and Foreclosure pose a risk beyond potential Hazard and Wind losses. prefer not to add force-placed insurance premiums to members loans? If so, this coverage protects you against uninsured physical damage loss to repossessed property and may be Flood Zone Determination bundled with Immediate Issue Physical Damage Insurance. In partnership with LPS National Flood. Safeguards your portfolio from potential expense and liability due to flood risk. Immediate Issue Physical Damage Insurance We ensure compliance with the Flood Insurance Reform Act of This complement to Blanket Physical Damage Insurance helps you track members personal insurance and determine when to force place insurance. It provides immediate coverage on an as-needed basis, with premiums charged to the individual borrower. WNC First Insurance Services WNC First Insurance Services is a leading provider and premier administrator of lenderplaced insurance programs such as flood, wind and hazard, to name a few. WNC First adds a level of protection, confidence and risk mitigation that provides exceptional and reliable benefits for the life of your exposure. Non-Filing Coverages Designed to safeguard credit unions against losses resulting from the failure to file liens on instruments securing loans. LPS National Flood LPS National Flood is the leading flood zone determination provider, dedicated to helping credit unions meet their flood compliance needs. LPS specializes in integrated technology and services for the credit union industry that span the lending continuum. Since 1988, LPS National Flood has led the way through innovation, commitment to quality and dedication to the success of its partners. #

5 Customer service that s right on the money. When you need answers, you want them fast, reliable and complete. CUNA Mutual Group gives you just that and so much more. Our goal is to relieve you and your staff of the work associated with running an excellent collateral protection program. To do that, we provide a high-touch customer service experience with a trained service staff that specializes in collateral protection. Implementation Our team of implementation specialists will work with you to ensure a smooth and seamless transition to the program of your choice. Our process is versatile to support credit unions of all sizes. Training Following implementation, you and your staff will have access to a variety of training resources, based on your program selections. Training formats include customized live sessions, webinars and recorded sessions. Claims From quickly submitting a claim online to receiving acknowledgement, our program makes the whole process faster and easier. Multi-Channel Access Thanks to our multi-channel customer service options, you and your members can reach us anytime to ask program-related questions.

6 CUNA Mutual Group insurance, retirement and investment products provide financial security and protection to credit unions and their members worldwide. With more than 75 years of true market commitment, CUNA Mutual Group s vision is unwavering: To be a trusted business partner who delivers service excellence through customer-focused products and market-driven insight. Coverages available through CUNA Mutual Group s Collateral Protection program are underwritten by CUMIS Insurance Society, Inc., a member of CUNA Mutual Group; State National Insurance Company; National Specialty Insurance Company; and American Modern Home Insurance Company. Product availability and features may vary by jurisdiction and are subject to actual policy language. Visit or call for more information. P.O. Box Mineral Point Road Madison, WI CUNA Mutual Group Proprietary and Confidential. Further Reproduction, Adaptation, or Distribution Prohibited CUNA Mutual Group, 2014 All Rights Reserved.