Tropical Financial Credit Union

Our reported consumer loan numbers in May had fallen short of goals for the second month in a row, so we
needed to do something quick to supplement our planned loan promotions. We came up with a short
term loan program based on payment rather than rate focusing on the vacation season. The loan itself and all the creative was put together in only 2 weeks after we received May results. The objective was to give our consumer loan portfolio a push with a new loan to get to our monthly goals in June and July.

South Florida is a very diverse group of people. Our community charter affords us to be able to offer
exceptional service to a potential field of more than 5 million south Florida residents in three counties -
Palm Beach, Broward, and Miami-Dade. The average of age of our membership is just under 47 years
old with an average income of about $74,000. The average age of our service area is 39 years old with
a median HH income of $49,500. The area is also very diverse with a large Hispanic population. Our
membership tends to be very conservative so advertising with comic overtones do not go over well - the
top three likes of members who like our Facebook page are: Jesus, The Bible, and God...in that order.
We are a credit union with $545 Million in assets with just under 54,000 members.