The MoneyTracker platform is uniquely designed for credit unions that want to offer feature rich online banking services while maintaining the flexibility to add-to and easily customize their offering as consumer demands evolve. Flexibility is a key characteristic of the MoneyTracker application, which allows consumers to build views into their finances, and receive notices the way they choose with customizable dashboards, widgets, tagging, searchable transaction annotation, and alerting. That customization extends to the financial institutions that deploy the solution, allowing for custom services and feature additions as trends change.

MoneyTracker is proving to be appealing to many financial institutions. Jwaala has added to their growing list of credit union clients, recently signing:

• United FCU($1.1B, MI)
• Tinker FCU ($2.0B, OK)
• Spire FCU ($580M, MN)
• IBM Southeast Employees CU ($821M, FL)
• Summit Credit Union ($1.4B, WI)
• Advantage FCU ($138M, NY)
• Credit Union 1 ($677M, AK)
• Red Canoe CU ($538M, WA)
• Valley First CU ($314M, CA)
• San Francisco Fire FCU ($632m, CA)

“MoneyTracker has been appealing to credit unions and banks that are serious about the online channel, and are looking for ways to better serve their members with online technologies.” said Kelly Dowell, Jwaala’s COO. “We are very proud to be working with such an innovative and highly respected group of credit unions. We are truly committed to the credit union industry and it is our plan, and mission, to work closely with our clients in the development cycle as we continue to enhance the platform. Their feedback will help continue the innovation behind the MoneyTracker solution benefiting all those that deploy it.””

“When we decided to replace our online banking platform, we wanted something that was
innovative, appealing, and powerful for our members. Something that would set Dupaco apart
from the cookie cutter solutions, that are out there and allow us to remain ahead of the crowd
over time. Jwaala’s integrated PFM, search, and flexibility set it apart from every other vendors
we evaluated,” explained Steve Ervolino, SVP Information Services for Dupaco Community CU.
“Power users love the transaction reporting features and customizable alerts, yet the
straightforward design makes it easy to use for those members who simply want to balance
their checkbook. We love it, and so do our members.”

Dupaco Community Credit Union was recognized by Raddon Financial Group (RFG), and
awarded a Crystal Performance Award as one of the Top 10 “Top Performing” credit unions in
2008, with more than $500 million in assets, achieving a top ten ranking based on the RFG
Performance Index™; a balanced scorecard measurement of growth, income, efficiency and
margin management.

“We are very happy to have Dupaco as a client partner and are excited to see their success
with MoneyTracker BOB,” said Kelly Dowell, COO for Jwaala. “They are a creative group with
bright ideas for their online banking services and we are looking forward to continuing to work
with them. I think our join goal is to deliver online and mobile solutions that surpass the
competition in features and functionality, allowing Dupaco and our other clients to truly stand
out from the crowd.”

Adding Twitter & Skype capabilities is just one more way of delivering alerts to a destination
consumers desire. Having the flexibility to receive information where they want, is a truly
appreciated customer service. Jwaala’s Better Online Banking platform provides multiple
methods of communicating with members, and allows the member to choose what fits their
lifestyle best.

“While some may not fully appreciate the ability to send alerts to Twitter or Skype, it’s important
to keep an open mind with social technologies. Consumers have unique lifestyles and desires,”
explains Kelly Dowell, COO of Jwaala. “There is no denying the explosive growth of the Twitter
and Facebook communities. If people are in constant contact with Twitter and Facebook, which
millions are, or if they have Skype running continuously in the background, they are likely to
receive notices much quicker within those applications verses having to login to an online
banking or email application. We want our platform to allow members to choose a channel that
fits their desires whether that’s Twitter or Facebook, text message, RSS, email or something
else. We provide the capability and they can choose what they want to use.”

The Jwaala’s MoneyTracker Better Online Banking platform not only provides multiple options
for members to receive alerts, but also the ability to create alerts on just about anything related
to their finances; another unique feature within Jwaala’s vision of online banking.

Jwaala’s new alerting channels are sent via private messages within the applications. And is
as simple as selecting Direct Twitter Notification within your user profile screen under primary
and secondary notification channel.

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With approximately 70,000 online banking users and less than 30% of its membership utilizing
physical branches, Addison Avenue is committed to delivering the most robust and advanced
online banking services available.

“Jwaala is an innovative company that shares our vision of what online banking can be. Not
only do we benefit from the advanced PFM capability inherent in MoneyTracker, but also by
collaborating with Jwaala at the source code level, we have the ability to enhance and extend
the solution to satisfy our unique needs. The ability to access the source code was a key
differentiator for Addison Avenue FCU,” says Stu Fisher, SVP of eCommerce at Addison
Avenue FCU.

Breaking industry traditions, Jwaala allows clients to license its source code, providing
maximum flexibility and long-term viability for the platform. Additionally, through an active client
developer community, MoneyTracker continues to improve through creative input of the user
community.

By partnering with Jwaala, Addison Avenue’s online channel will allow members to visualize
and interact with their finances like never before. Members can search transaction information
across all of their accounts and financial institutions as easily as searching within Google. They
can build custom financial dashboards, set and manage budgets, create their own alerting
systems, receive updates and notifications when and how they want them, and even store
important documents safely and securely within their own virtual safety deposit box.

“Online banking is about more than transaction history and transfers these days. Addison
Avenue gets this,” explains Andrew Taylor, CTO of Jwaala. “It is becoming increasingly
apparent that online banking is the most important branch you can have. Collaborating with
Addison Avenue to enhance their online channel is exciting indeed.”

The CUNA Technology Council evaluates candidates on innovation, the benefit the solution provides financial institutions and their account holders, a commitment to open standards, affordability, the current deployment of the solution, and the health of the vendor.

MoneyTracker received the Best of Show award, among a showcase of new banking technologies. We are honored and very excited about this prestigious award. Thank you very much CUNA Technology Council!

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While all but one of the services highlighted are independent (non-bank) Internet companies, PNC Bank’s Virtual Wallet showed the most impressive adoption rate despite its short 5 months in existence. Virtual Wallet’s results suggest that PFM is a solution consumers want to see from their primary financial institution, as opposed to independent Internet startups. PFM is the latest in new online banking technologies that can help banks and credit unions gain new customers/members and increase online banking adoption.

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The Next Big Thing!
Come see MoneyTracker in action at JHA National User Group Conference and Technology Showcase in
Washington D.C., October 13-17

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