We are also proud to offer a new program called CU Lending Edge (CULE) which provides a new and powerful, collaborative, automated lending solution to credit unions wanting to build and to maintain quality loan volume. CULE is an automated, aggregated lender loan decisioning and member capture platform designed unlike any existing system in the marketplace. The CULE software is provided in a completely turnkey ASP [Application Service Provider] model, so no internal operational or IT resources are required to implement the program. Overall, the CULE system is focused on increasing loan capture of existing as well as potential members from the point-of-purchase marketplace, and maintaining quality loan volume for lenders.