Dear Mandy, Ron &the Entire Executive Team!

January 10, 2014

I enjoyed our discussion last Friday.

It’s David Eldred. Professional marketer, entrepreneur, and OCCU Member.

We covered a lot of topics. Please allow me to refresh your memory – as well as share some things you didn’t know about me.”

“

But first…I want to thank you for having included me in your selection process!

When I first saw the job description, I had this to say:

This job was made for me!”“

OCCU is looking for someone with:

• Financial services marketing experience

• Product development experience

• Innovation and strategic leadership

• Digital marketing acumen

Oh, and one more thing:• NICE. Remarkably Nice.*

* Any resemblance to Oregon Community Credit Union’s trademarked tagline is entirely intentional.

That’s Me!We’ve discussed my portfolio. My projects showcase what I’ve done in order to market financial services...

But Marketing is UniversalI’ve used my skills outside of work for my own sideline businesses and projects, too.

After all…

I’ve never thought of myself as a banker.I’m more of an entrepreneur. And online is the new landscape of progressive entrepreneurs.

But don’t just take my word for it.Here’s what a couple of industry outsiders have said about me…

It’s the rare banker who is named a “thought leader…”

David's is a clear and consistent voice of leadership in an industry where leadership has been largely absent for far too long. He has the rare ability to think strategically, execute tactically and build consensus among his staff, his peers and his C-level colleagues. Whether the issue is one of Marketing best practices, banking technology trends or fundamental project management, David is a thought-leader.”

Jack FoleyPrincipal, Ovus Ater

“

(LinkedIn.com Recommendation, October 2008)

Not to mention “Innovative,” too!

After meeting David, I quickly realized that he was no ordinary banker. He not only possesses a passion for change, but also the knowledge and industry experience to deliver quantifiable results. His in depth knowledge of consumer banking trends coupled with his ability to build innovative banking solutions has afforded David great success in his current role. He is an extremely articulate thought leader who understands not just how to conceptualize an idea, but also how to connect the dots at the micro level to achieve results – which is a rare find.”

David MendozaSenior Sales Executive, FIS Global

“

(LinkedIn.com Recommendation, January 2010)

The following is an excerpt from my interview in Bank Marketing Magazine:Q: What advice would you give to other

bankers?

A: Learn from the successes and failures of others who have “swung for the fence.” Look for what stands out or catches your attention – and by all means do not limit yourself to analyzing other bank marketing! No matter what industry it comes from, good marketing has a lesson to teach. Your job is to find it, analyze it and apply it to your own efforts.

* As featured in the January 2009 issue of Bank Marketing Magazine.

For example, if Apple had invented Mobile Deposit…

… Do you think they’d be giving it away for free, like most banks and

credit unions?

Outside of my financial experience, I’ve also racked up a few other accomplishments you may be interested to know about.

For example…

Business startup: Simply Cellular

• In 1994, I created “Simply Cellular:” an independent reseller of cellular airtime.

Business startup: Simply Cellular

• In 1994, I created “Simply Cellular:” an independent reseller of cellular airtime.

• I negotiated wholesale rates with AT&T, purchased large blocks of airtime, and created my own plans that I sold to families at big discounts.

Business startup: Simply Cellular

• In 1994, I created “Simply Cellular:” an independent reseller of cellular airtime.

• I negotiated wholesale rates with AT&T, purchased large blocks of airtime, and created my own plans that I sold to families at big discounts.

• In 1996, after growing the business to nearly 700 subscribers, I sold to a competitor for a 600% return on my original investment.

Business startup: Simply Cellular

• In 1994, I created “Simply Cellular:” an independent reseller of cellular airtime.

• I negotiated wholesale rates with AT&T, purchased large blocks of airtime, and created my own plans that I sold to families at big discounts.

• In 1996, after growing the business to nearly 700 subscribers, I sold to a competitor for a 600% return on my original investment.

• The proceeds helped me buy my first home and a 28-foot sailboat. (I love to sail!)

Oh, and prior to starting up Simply Cellular…

… I had never even used a cellular phone!

E-commerce startup: Dressy Tresses• In 1997, my wife started to make, import and

sell hair accessories from Korea as a stay-at-home business.

E-commerce startup: Dressy Tresses• In 1997, my wife started to make, import and

sell hair accessories from Korea as a stay-at-home business.

• I created her e-commerce website: taught myself HTML and ASP programming, and built a dynamic online retailing solution.

E-commerce startup: Dressy Tresses• In 1997, my wife started to make, import and

sell hair accessories from Korea as a stay-at-home business.

• I created her e-commerce website: taught myself HTML and ASP programming, and built a dynamic online retailing solution.

• Using white-hat SEO tactics, I marketed her site to be the number 1 organic search site for “hair accessories” on Google in 2005. (Out of 3.3 million websites!)

E-commerce startup: Dressy Tresses• In 1997, my wife started to make, import and

sell hair accessories from Korea as a stay-at-home business.

• I created her e-commerce website: taught myself HTML and ASP programming, and built a dynamic online retailing solution.

• Using white-hat SEO tactics, I marketed her site to be the number 1 organic search site for “hair accessories” on Google in 2005. (Out of 3.3 million websites!)

• At its height, Dressy Tresses was selling over $5,000 per month in accessories, 100% online.* When we moved to Oregon in 2006, I no longer had the time to market

Dressy Tresses online and we lost our top Google ranking.

And on a personal note…

… I’m an avid backpacker and

homebrewer!

Backpacking…

and Homebrewing!

Which brings us to my final note…

Why do I want to help lead Oregon Community Credit Union?

Because I really like that you are:

• A credit union! (It will be great to get back to my roots.)

• Growing! (For all the right reasons, of course.)

• Profitable! (And that’s impressive in this economy.)

• Challenged! (In ways with which I can help.)

• Desiring new ideas! (Change is good if it’s for the right reasons.)

Oh! I almost forgot to mention it…

…And because you’reNice. Remarkably Nice.*

* That’s pretty cool. It’s your tagline; but it’s more than just your tagline, and I think you know what I mean.

In short, I’d be honored to be your next Chief Marketing Officer.

It was great to speak with you last week!

Thanks so very much for watching, and for your consideration.