Our TAC eligibility restructure to include the smaller credit unions proved to be very successful and representatives of 10 not so big credit unions were able to attend last year's event along with their bigger sister credit unions. We believe that this conference is beneficial to credit unions of all sizes.

TAC gives credit unions the opportunity to network with their peers, develop a sales culture and improve sales performance, regardless of their size. We have changed the eligibility structure for the current year to make attendance possible for credit unions of any size who have the necessary production to qualify.

We have put aside 10 rooms for 10 not so big credit unions. The new structure permits them to be eligible for a drawing and if chosen, would allow each not as big credit union to send two representatives to the IWS 2003 TAC event in San Antonio, Texas.

Eligibility Criteria Two ways to qualify: A minimum of 120 VSAs/MBIs per year are needed in order to qualify for inclusion in a drawing for two attendees. Every 15 VSAs/MBIs thereafter represents 1 more entry and 1 more opportunity to win. Example: 135 - 2 entries, 150 - 3 entries, 165 - 4 entries, etc. A credit union eligible for the drawing can only win one room. The drawing will be held on January , 2003. OR When a credit union reaches 300 VSAs/MBIs per year they no longer qualify for the drawing. The following criteria will be applied to those credit unions in the 300 and over category:

Individuals who attain Personal Gold may invite a guest of their choice at no expense to them. This will not reflect on the credit union's qualifying numbers.

Double Occupancy Required It is imperative that all attendees of TAC 2003 understand that we will strictly adhere to the double occupancy rule. The only exceptions are as follows: The credit union sends multiple attendees, both male and female. The credit union wants individual rooms and will pay the difference. The attendee wants an individual room and will pay the difference. Special Guests Any attendee who wishes to bring a guest, other than a qualifying credit union representative or a Personal Gold guest, such as a relative, friend, non-qualifying credit union employee, etc. must register his or her guest as a "special guest" and pay for that guest's expenses.

The exceptionally low price negotiated by IWS for a "special guest" to join us and participate in the festivities is $250. Expenses incurred by "special guests" include, but are not limited to airport transfers, incidentals, scheduled meals and beverages served throughout the TAC conference.

If the attendee does not qualify for a double occupancy exception and wishes to have a room for himself /herself and the special guest, then any additional room costs will be the responsibility of the credit union attendee. Guest airfare will also be the responsibility of the credit union attendee or the guest. Any of the above mentioned charges that are the attendee's responsibility must be received by IWS prior to the event.

IWS will, of course, pay for airfare, lodging, airport transfers and scheduled meals for all qualifying credit union attendees.