!!!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. The cost for this service is $199 setup and $15 per month ($180 annually).

Please take a look at the demo site by clicking on the link above. If you are interested in including this service with your website give us a call or complete our feedback form and we will have your 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.

Secure Appplications for Loans and other apps.

If your online apps or forms are not SECURE, the auditors will see this as a major problem. We have a secure website application database program available. This database includes a loan app that your members can complete so that you can access it online, SECURELY via an SSL page. This database can also be used for other customer forms and apps as you need them. You don’t have to purchase an additional SSL certificate to use this service. We provide a shared SSL for your forms and online apps. The cost for this service is $199 onetime setup fee and just $12 per month ($144 annually). There is no limit on the number of applications that you can receive through this database. If we host and maintain your website there is no additional monthly fee for this service.

Click Here to see a demo of the loan application. If you would like to see the Credit Union Management side of the database, please complete our feedback form and be sure to ask about the CU Loan Apps. The CU Management is where you would log in to view your apps and print them in a secure manner.

Loan, Savings, and Mortgage Calculators.

Do your members need to be able to calculate a loan payment, or a mortgage payment with an amortization schedule, or calculate a periodic savings plan to help them plan for the future? The cost for these calculators is just a $149 onetime setup fee with NO monthly cost. These are for our website hosting customers only.

YOU HAVE A FIREWALL. ARE YOU SURE IT'S SECURE?
Firewall Vulnerability Testing

With our vulnerability analysis of your internet firewall and associated IP addresses you will get the answers you need to know. Our report identifies all of the ports that are open and any of the over 14,000 vulnerabilites that we test for, provides a description of the test for the open ports, attempts to identify any potential services running, and provides a synopsis, description, additional resource links, possible solutions, and risk factors, if applicable, all at a very affordable price! Click Here to Learn More and for our Monthly Special

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