LEVERAGE Strategic Partnership Proposal
More capacity. More choice. More value for members. Dear Hawaii Credit Union League Leadership, Hawaii’s credit unions serve distinct communities, yet they share many of the same priorities: expanding member relationships, meeting rising service expectations, managing operational complexity, protecting institutional trust and building resilient teams. LEVERAGE proposes a revenue-sharing partnership that gives the Hawaii Credit Union League a curated portfolio of credit-union-focused companies to introduce across its membership. Each company supports one or more of five strategic pillars:
GROWTH Helping credit unions expand relationships and strengthen financial performance.
TALENT Strengthen teams and address staffing needs.
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MEMBER EXPERIENCE
STRATEGIC PILLARS
Meeting rising expectations for digital convenience, accessibility and service.
RISK
EFFICIENCY
Safeguarding the institution, supporting compliance and maintaining member trust.
Reducing cost and complexity while improving staff productivity.
This model creates a new source of value for the League while allowing each credit union to select the solutions that best align with its size, strategy and priorities. Rather than offering a one-size-fits-all program, the partnership provides flexible access to specialized expertise, technology and operational support. Together, we can extend the League’s role as a trusted connector, bringing proven solutions, cooperative scale and practical support to credit unions throughout Hawaii. The LEVERAGE Team 1
Why This Partnership A trusted-advisor model creates more value than a vendor directory LEVERAGE brings together owned companies and trusted partners within one connected ecosystem. A dedicated team helps credit unions identify needs, align the right solutions and expand relationships over time, while the Hawaii Credit Union League remains the trusted connection point.
HOW SHARED VALUE IS CREATED 1. The Hawaii Credit Union League surfaces member priorities and opens trusted access. 2. LEVERAGE aligns needs with relevant, credit-union-focused solutions. 3. Member adoption generates agreed revenue-sharing value for the Hawaii Credit Union League.
A MODEL WITH NATIONAL TRACTION
48%
663 clients
48
2,007
states
solutions in use
2
of credit union clients use more than one LEVERAGE solution
A Perfect Fit: Solutions for Hawaii’s Credit Unions 1.
AUX Accounting
2.
AUX Compliance
3.
Credit Union Audit Group
4.
CUVM
5.
Growth by Design
6.
LEVERAGE Human Resource Solutions
7.
LEVERAGE Office Solutions
8.
LEVERAGE Payment Solutions
9.
LEVERAGE P2P
10. Members Core Alliance 11.
Valiify
LEVERAGE P2P
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Fractional Accounting: Back-office capacity from daily processing to CFO insight
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
RISK
TALENT
PRIMARY
SUPPORTING
SUPPORTING
WHAT IT DELIVERS Outsourced accounting and fractional CFO support spanning daily processing, reconciliations, month-end close, financial reporting, regulatory reporting and strategic finance.
CORE CAPABILITIES • Daily settlement, processing and GL reconciliation • Month-end close, statements and call reporting • Budgeting, ALM, liquidity and fractional CFO guidance
WHY IT MATTERS IN HAWAII Helps credit unions address specialized accounting capacity, continuity and key-person risk while scaling support to fit current needs.
LEAGUE OPPORTUNITY A flexible operating model, from task-level relief to executive financial leadership, without a one-size-fits-all staffing commitment.
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Compliance Services: An extension of the team for everyday compliance demands
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
RISK
TALENT
SUPPORTING
PRIMARY
SUPPORTING
WHAT IT DELIVERS Credit-union-focused compliance support that can supplement internal staff or provide broader outsourced coverage across policies, reviews, testing, training and marketing compliance.
CORE CAPABILITIES • Policy development and regulatory guidance • Marketing, website and advertising reviews • Testing, assessments, training and coaching
WHY IT MATTERS IN HAWAII Gives member credit unions access to a deeper bench of specialized expertise, particularly valuable when staffing is lean or regulatory demands exceed internal capacity.
LEAGUE OPPORTUNITY Flexible support that strengthens compliance coverage without requiring every institution to add a full internal team.
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Credit-union-specific assurance, delivered nationally
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
RISK
SUPPORTING
PRIMARY
TALENT
WHAT IT DELIVERS A specialized audit firm serving credit unions with supervisory committee audits, member verifications, interim reviews, BSA, ACH and SAFE Act audits, tax support and customized engagements.
CORE CAPABILITIES • Supervisory committee and interim audits • Member account verification • BSA, ACH, SAFE Act and specialized reviews
WHY IT MATTERS IN HAWAII Remote delivery gives Hawaii institutions access to experienced credit union auditors without geography becoming a barrier, while reducing travel expenses and onsite disruption.
LEAGUE OPPORTUNITY Deep industry specialization and flexible remote execution to strengthen confidence, readiness and financial integrity.
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Vendor oversight made organized, consistent and exam-ready
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
RISK
SUPPORTING
PRIMARY
TALENT
WHAT IT DELIVERS A cloud-based vendor and contract management solution that centralizes due diligence, risk assessments, contracts, documents and reporting with self-service and supported options.
CORE CAPABILITIES • Vendor risk ratings and due-diligence support • Contract, document and history repository • Automated notices, reports and examiner access
WHY IT MATTERS IN HAWAII Provides a repeatable framework for managing third-party risk across institutions of different sizes, reducing administrative burden while strengthening consistency and documentation.
LEAGUE OPPORTUNITY A practical way for Hawaii credit unions to spend less time chasing vendor records and more time acting on risk.
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Strategic marketing built to move credit unions forward
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
PRIMARY
SUPPORTING
SUPPORTING
RISK
TALENT
WHAT IT DELIVERS A full-service marketing partner that brings strategy, creative, digital, web, content, research, print and production together under one credit-union-focused team.
CORE CAPABILITIES • Marketing strategy and retainer support • Campaigns, content, social and public relations • Web, digital experiences, video and print production
WHY IT MATTERS IN HAWAII Gives Hawaii credit unions flexible access to specialized marketing talent without having to build every capability in-house, helping institutions sharpen their brands, reach members and execute consistently.
LEAGUE OPPORTUNITY A scalable agency resource for institutions that need anything from focused project support to an ongoing marketing partnership.
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HR infrastructure that supports people and performance
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
RISK
TALENT
SUPPORTING
SUPPORTING
PRIMARY
WHAT IT DELIVERS An outsourced HR solution for payroll processing, benefits administration, onboarding, employment compliance, workers’ compensation and payroll tax support.
CORE CAPABILITIES • Payroll administration through Paylocity • Employee benefits and retirement options • HR support, onboarding and compliance guidance
WHY IT MATTERS IN HAWAII Expands the HR capacity available to member credit unions, helping smaller teams compete for talent, support employees and manage increasingly complex administrative requirements.
LEAGUE OPPORTUNITY Professional HR support that lets credit union leaders focus more energy on their people and members.
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Cooperative purchasing power for everyday operations
PILLAR ALIGNMENT GROWTH SUPPORTING
MEMBER EXPERIENCE
EFFICIENCY PRIMARY
RISK
TALENT
WHAT IT DELIVERS A national buying program powered by ODP Business Solutions that combines purchasing scale with dedicated support, flexible procurement and cost controls.
CORE CAPABILITIES • Office, technology, furniture and facility supplies • Customized delivery, invoicing and procurement • Spend visibility and cost-containment support
WHY IT MATTERS IN HAWAII Allows participating credit unions to aggregate buying power, standardize purchasing and pursue savings across commonly used workplace categories.
LEAGUE OPPORTUNITY A low-friction entry point to immediate operating value for credit unions across the Hawaii Credit Union League's membership.
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Card and ATM expertise with hands-on credit union support
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
SUPPORTING
PRIMARY
SUPPORTING
RISK
TALENT
WHAT IT DELIVERS A comprehensive payments partner supporting debit, credit, ATM, chargebacks, prepaid and gift cards, rewards, consulting and operational reviews.
CORE CAPABILITIES • Debit and credit card processing • ATM services, disputes and chargebacks • Rewards, prepaid programs and payment consulting
WHY IT MATTERS IN HAWAII Helps credit unions deliver dependable everyday payment experiences while gaining specialized support to optimize programs, simplify operations and strengthen member loyalty.
LEAGUE OPPORTUNITY A single relationship that connects payment technology, operational expertise and responsive service.
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LEVERAGE P2P Embedded, real-time person-to-person payments
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
SUPPORTING
PRIMARY
EFFICIENCY
RISK SUPPORTING
TALENT
WHAT IT DELIVERS A P2P solution embedded in the credit union’s digital banking experience, allowing members to send money in real time while recipients choose where funds are delivered.
CORE CAPABILITIES • Transfers within and beyond the LEVERAGE P2P ecosystem • Connections to familiar payment destinations • Configurable fraud rules and transaction limits
WHY IT MATTERS IN HAWAII Helps member credit unions offer the seamless digital payment experience consumers expect while preserving the trust and visibility of the credit union’s own mobile environment.
LEAGUE OPPORTUNITY Modern payments that strengthen digital relevance without requiring members to begin in a separate third-party app.
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Cooperative core processing built by credit unions
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
RISK
SUPPORTING
PRIMARY
SUPPORTING
TALENT
WHAT IT DELIVERS A CUSO-led, shared core processing model using Sharetec to deliver real-time, web-based technology, reporting, integrated lending and dedicated support.
CORE CAPABILITIES • Real-time core processing and 360-degree account view • Built-in lending, reporting and marketing capabilities • Shared infrastructure and white-glove support
WHY IT MATTERS IN HAWAII Offers institutions a cooperative path to modernize core capabilities, reduce key-person dependency and gain a peer-informed operating model.
LEAGUE OPPORTUNITY Core technology aligned with the credit union movement, structured to simplify operations and support sustainable service.
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Faster digital onboarding and lending with less friction
PILLAR ALIGNMENT GROWTH
MEMBER EXPERIENCE
EFFICIENCY
RISK
PRIMARY
SUPPORTING
SUPPORTING
SUPPORTING
TALENT
WHAT IT DELIVERS Digital account opening and loan origination platforms built for community financial institutions, with fast deployment, real-time core updates, automated decisions and integrated cross-sell.
CORE CAPABILITIES • Mobile-first digital account opening • Automated loan origination and digital closing • Identity, KYC and fraud controls with core integration
WHY IT MATTERS IN HAWAII Enables credit unions to serve prospective and existing members wherever they are, reduce application abandonment and automate labor-intensive onboarding and lending steps.
LEAGUE OPPORTUNITY A modern digital front door designed to convert more opportunities while improving speed, consistency and member convenience.
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www.myleverage.com 866.231.0545