10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung...
Transcript of 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung...
![Page 1: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/1.jpg)
Proprietary/Confiden0al
10Crea(veBestPrac(cestoAccelerateYourAutoLendingMarke(ng
September15,2016
© 2016 Harland Clarke. All marks are the property of their respective owners. All rights reserved.
Presenta0onmaterialsandvideoreplaywillbeprovidedwithinoneweek.Haveques0ons?Usetheques0onspanel–we’llfieldthemaswegoandduringtheQ&Arecapattheendofthecall.
![Page 2: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/2.jpg)
Today’sSpeakers
2
KrisNibleHCrea0veDirector,HarlandClarkeMarke0ngServices
● 20+yearsexperiencecrea0ngstrategic,award-winning,mul0channeldirectmarke0ngcommunica0onsforfinancialins0tu0onsandotherindustries
● Drivesresultsformajorbrands,includinglargefinancialins0tu0ons,communitybanksandcreditunions.
● Leadscrea0veteamthathaswonmorethan100industryawards,includingHermesAwards,DMAEchoAwards,GraphicDesignUSAAwardsandtheLondonInterna0onalAdver0singAward
StephenNikitasSeniorStrategyDirector,HarlandClarke
● 30+yearsexperienceinstrategicplanning,marke0ng,publicrela0onsandexecu0vespeechwri0ng
● Providesconsulta0veservicestobanksandcreditunions
● Developsmarke0ngandretailstrategiesandcampaignstogrowtargetedporWolios
![Page 3: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/3.jpg)
Today’sAgenda
3
• Autolendingtrends
• Crea0vechallenges
• 10crea0vebestprac0ces
• Legalrequirements
• Examplesandcrea0veanalysis
• Q&A
![Page 4: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/4.jpg)
AutoLendingTrends
4 Source:Sta0sta–2016-SalesofPassengerCarsinSelectedCountriesWorldwidefrom2005to2015–sta(sta.com
7.56
6.77
5.4 5.646.09
7.247.59 7.69 7.57
3
5
7
9
2007 2008 2009 2010 2011 2012 2013 2014 2015
NewPassengerCarSales–U.S.(inmillions)
![Page 5: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/5.jpg)
AutoLendingTrends
5 Sources:BureauofTransporta0onSta0s0cs–U.S.DepartmentofTransporta0onandIHS/USAToday–AverageAgeofCarsonU.S.RoadsBreaksReacoard–July29,2015
10.210.3
10.410.5
10.8
11.1
11.311.4 11.4
11.5
9.5
10
10.5
11
11.5
12
2006 2007 2008 2009 2010 2011 2012 2013 20214 2015
AverageAgeofU.S.PassengerCars(inyears)
![Page 6: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/6.jpg)
AutoFinancing
6 Source:ExperianInforma0onSolu0ons-StateoftheAutomo(veFinanceMarketFourthQuarter2015
$426
$420
$408
$412
$395
$400
$405
$410
$415
$420
$425
$430
Q42012 Q42013 Q42014 Q42015
AverageMonthlyAutoPayment
$28,381$29,551
$18,411 $18,850
$0
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
$35,000
Q42014 Q42015
AverageAmountFinanced
New Used
![Page 7: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/7.jpg)
AutoFinancing
7 Source:ExperianInforma0onSolu0ons-StateoftheAutomo(veFinanceMarketFourthQuarter2015
13.3%
35.8%
17.6%
27.4%
6.2%
ShareOfAutoLoans
FinanceCompanies Banks CreditUnion Cap0ves BuyHerePayHere
![Page 8: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/8.jpg)
KeyElementsofEffec(veDirectMarke(ngofAutoLendingProducts
8
Strongcrea(veacceleratessuccess!
AudienceData/Targe(ng
1
Offer2
Crea(ve3
![Page 9: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/9.jpg)
Crea(veChallenges
9
Somanyop0ons—buy,lease,financing
1 Consumersstronglydislikeautopurchaseprocess
2
3
4
5
Compe00onisfierce
Consumersareshoppingaround
Legalrequirementsareonerous
![Page 10: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/10.jpg)
Crea(veFundamentalsforAutoLendingandRefinance
10
Standoutbycuhngthroughmailbox,inboxcluier
Makethelending/approvalprocessfeeleasy
Calloutcompe((verateofferthatinterruptsrateshopping
Makeiturgentwithofferenddate
Emphasizekeybenefitsandproductfeatures
Keepitreadabletokeepprospectsengaged
Leveragebrandtostrengthenvalueproposi0on
Usestrong,clearcalltoac(ontocreateurgency
Offerresponsechannelop(onsforeasyresponse
Designanddeliveryourmessageinthemostrelevant,compellingway
![Page 11: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/11.jpg)
LegalRequirements
11
Requirements● Opt-outbox(forpre-screenedoffers)
DisclosureguidelinesfromtheFairCreditRepor(ngAct(FCRA)
Note:Pre-screenedoffersrequireboththeshortopt-outno(ceonthefrontofapieceandlongopt-outno(ceonthebackorfrontofapiece
● Opt-outboxgraphicrequirementsare:
Shortno(ce• Frontofthemailpiece• Typemustbedis0nct,atleast12pointfont • Insideaborder
Longno(ce• Backorfrontofthemailpiece• Mustbeginwith“Pre-screen&Opt-outNo0ce”• Typefacemustbedis0nct,atleast12pointfont
Thismaterialisforinforma0onalpurposesonlyandshouldnotbeconstruedasfinancialorlegaladvice.Pleaseseekguidancespecifictoyourorganiza0onfromqualifiedadvisers.
Source:FCRA(FairCreditRepor0ngAct)Guidelineship://www.occ.gov/news-issuances/bulle0ns/2005/bulle0n-2005-7.html
![Page 12: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/12.jpg)
Top10Crea(veBestPrac(ces
12
Mailformats• #10Envelope–goodforaccountholdersandprospects
• Spaceforcer0ficateorlivecheckanddisclosureforprescreenedoffers
• Postcard–promo0onal,awareness-raisingapproachforprospectswithnoprescreenedoffer
• Botharecost-efficient
“Aslowas”rate• En0cewithcompe00verates“aslowasX”
• High-profileJohnsonBoxorsidebar
• Calloutonenvelope
![Page 13: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/13.jpg)
Top10Crea(veBestPrac(ces
13
Prescreenedcallout• Preselected/prequalified/preapproved
• Makesbuyingprocesseasier
“Bonus”offers• Delayedpayments—nopaymentfor60-90days
• Checkmadeouttodealer—empowering!
• Save—“RefinanceyourcurrentloanatanX%lowerrate”,savingschart
• Cashbonusoffer–$200
• Sweeps(freegas,freepayments)
![Page 14: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/14.jpg)
Top10Crea(veBestPrac(ces
14
Goodexperience—fast,easyapproval• Crea0vecanmakeprocessfeeleasy
• ApprovalinasliileasXhoursordays
Urgency• Tieofferstospecificenddate
• Restateenddateinleierpostscript
![Page 15: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/15.jpg)
Top10Crea(veBestPrac(ces
15
Clearcalltoac(on• Tellaccountholderorprospectexactlyhowtoapply
• Makeitsoundeasy
• Maketheofferpop—explainexactlyhowtogetoffer
Easytorespond• Dealer,branch,call,online
![Page 16: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/16.jpg)
Top10Crea(veBestPrac(ces
16
Accountholdervs.prospect• Accountholder—posi0onas“offerforaccountholders”
• Prospect—makemorepromo0onaltostandout
Leveragebrand• Differen0a0ng
• Atrustworthybrandispartofthevalueproposi0on
• Thetrustfactorforaccountholders
![Page 17: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/17.jpg)
Recap:MessagingHierarchy
17
Elementstoremember• Prescreened
• AslowasXX%APR
• Accountholderexclusiveoffer?
• “Bonus”offerssuchasdelayedpayment,cash,etc.
• Loweryourmonthlypayments(i.e.,refisavings)
• Empoweraccountholderstomakeadeal(check,preselectedcer0ficate)
• Quickandeasytoapplywithfastapproval
• Urgencyandeasytorespond
![Page 18: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/18.jpg)
RealEstateAlloca(onforAutoLending
18
HarlandClarkeRefiGenius™ProgramMail&email
AgoodexampleofCrea0veBestPrac0ces
• Iden0fiesyouraccountholders’creditrela0onshipswithotherfinancialins0tu0onsusingthreecreditbureaus
• Sendspersonalizedrefinanceoffertopre-screened,creditworthyaccountholders
• Sellscreditproducts,includingautoloan,mortgage,HELOC,homeequityloan,personalloan
• Designedtointerruptshoppingbehaviorswithin-marketcommunica0ons
• Crea0vebuiltonbestprac0cesforautolending
• Applicabletoyourautolendingini0a0ve
![Page 19: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/19.jpg)
KeyCrea(veElements—Mail
19
Loweryourmonthlypayments
Pre-selected
Greatlowrate
Savingschart
ShortFormOpt-Out
![Page 20: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/20.jpg)
KeyCrea(veElements—Mail
†PRESCREEN & OPT OUT NOTICEThis “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not continue to meet our criteria and other factors bearing on your creditworthiness (including acceptable property collateral, income and employment history). If you do not want
to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-8885-OPT-OUT (1-888-567-8688); or write
TransUnion Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505Experian Consumer OPT-OUT, P.O. Box 919, Allen, TX 75013Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123
1 We used information on you that we obtained from a consumer reporting agency in connection with this “Pre-Selected” offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine that you do not meet the criteria used to select you for this offer or any other applicable criteria bearing on creditworthiness, or if you do not provide the required collateral. This offer may also be withdrawn if the value of the vehicle you are refinancing exceeds 100% of Loan-to-Value (LTV). Not all applicants will qualify for the lowest rate.
2 APR = Annual Percentage Rate. Offer based on loan term of 64 months. YourFI Name finances 100% of MSRP (new vehicles) or the NADA Retail value (used vehicles). The maximum interest rate for this offer is 11.35% APR and the minimum approved loan amount is $10,000. Refinance restrictions apply. Rates current as of August 1, 2014, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Membership eligibility is required.
HarlandClarkedoesnotofferlegaladvice.Informa0oncontainedwithinthisdocumentdoesnotcons0tutelegaladvice.Pleaseconsultwithanaiorney.20
Longno(ceopt-outbox
Cer(ficatecalltoac(on/channels
Calltoac(on—enddate
P.S.refiornewloan—enddate
![Page 21: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/21.jpg)
KeyCrea(veElements—Email
21 HarlandClarkedoesnotofferlegaladvice.Informa0oncontainedwithinthisdocumentdoesnotcons0tutelegaladvice.Pleaseconsultwithanaiorney.
Subjectline:“Save”
Pre-selected
Savingschart
Calltoac(onbuHon
FCRA-compliantdisclosures
![Page 22: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/22.jpg)
ArizonaStateCreditUnion:AutoLoanorRefinance
22
TargetMembercross-sell
Preapproved$40,000cer0ficate
Offer2.45%APRforneworusedvehicleloans
OffersweetenerThreemonthsnopayment,0.25%APRdiscount,skiptwopaymentsduringlifeofloan
UrgencyOfferenddate
FormatLeierpackage
Calltoac9onCall,goonline,takecer0ficatetobranchordealer
• Preapprovedemphasis• Boldratecall-outinsidebar• Wellbranded• Three-stepofferpresenta0on• Preapprovedcashamountcalledoutvisually• Canbescanned• Enddate
Source:Comperemedia
WellDone
![Page 23: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/23.jpg)
FamilySavingsCreditUnion:AutoLoanRefinance
23
TargetMembersandprospects
PreselectedrateofferAslowas2.79%
OffersweetenerDelaypaymentfor45days
LendingpartnerRateGenius
UrgencyPromocoderequired,offerexpira0on
FormatLeierpackage
Calltoac9onApplyonline
• Leadswithlow-rate• Pre-qualified• Recognizesconsumer’sgoodcredit• Promocodewithenddate• Posi0onsofferasexclusiveandurgent
Source:Comperemedia
WellDone
![Page 24: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/24.jpg)
FleetFinancialAutoFinanceSolu(ons:AutoLoanRefinance
24
TargetProspects
PreselectedrateofferAslowas5.80%
MessageSave$586overnext12months;skipapayment
MonthlypaymentChart
FormatLeierpackagewithurgent,officialenvelope
Calltoac9onCall,goonline,usePIN
• Powerfulsavingsbenefitdemonstratedinchartandattopofleier
Source:Comperemedia
WellDone
![Page 25: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/25.jpg)
MissionFederalCreditUnion:AutoLoanorRefinance
25
TargetMembersandprospects
OfferMonthlypaymentsaslowas$295,notpre-screened
OffersweetenerDeferfirstpaymentupto90days;sweepstakestowinamonthlypayment
FormatLeierpackage
UrgencyEnddatewithpromocode
Calltoac9onApplyonline,call,branch
• Strongemphasisonlowmonthlypayment
Source:Comperemedia
WellDone
![Page 26: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/26.jpg)
Na(onwideBank:AutoLoanRefinance
26
TargetCross-sellcustomerswhoalreadyhavehomeorautoinsuranceproducts
Pre-approved
RateAslowas2.25%APR
OffersweetenerNoapplica0onfees,flexibleterms
MessageTwowaystosave:refinanceandpayoffyourcarsoonerorrefinanceatalowerrateandloweryourmonthlypayments
FormatLeierpackagewithinsert
Quickandeasy
Calltoac9onGoonlineorcall
• Strongfocusonratesavings• Simplesavingschart• Clearbranding“launches”Na0onwideBank• Cleanlayoutcanbescanned
Source:Comperemedia
WellDone
![Page 27: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/27.jpg)
VirginiaCreditUnion:AutoLoan
27
TargetMembersandprospects
Getpre-approvedfast
RateAslowas1.99%APR,First-Pay-Delay
KeymessageFast,easyapproval,moveexis0ngloanfromotherprovider,seasonalSpringmessage
FormatPostcard
Calltoac9onGoonline,call,visit
• Leadswithgreatlowrateandincludessavingschart
Source:Comperemedia
WellDone
![Page 28: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/28.jpg)
ABCOFederalCreditUnion:AutoLoan
28
TargetMembercross-sell
OfferTransferyourloanandget3%belowyourcurrentrateormore
KeymessageReduceyourmonthlypaymentbyupto$100,alsoincludesoffersforcreditcardonaddressside
FormatUsesonesideofpostcard–othersidepromotesbalancetransferofferforVisa®creditcard
UrgencyForalimited0me
Calltoac9onApplyonlineorcall
• InexpensivewaytoshowthatABCOwillworktoloweryourcurrentautoloanrateandsaveyoumoney
Source:Comperemedia
WellDone
![Page 29: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/29.jpg)
ChartwayFederalCreditUnion:MortgageReferral
29
TargetMemberandprospects
RateAslowas1.99%
OffersweetenerNopaymentfor45days,plusentertowinfreegasforoneyear
MessageFastapproval—getananswerinasliileastwohours
FormatPostcard
UrgencyLimited0me
Calltoac9onCall,goonline
• Aien0on-gehngandpromo0onal• Focusesonlowrateandfreegasoffer
Source:Comperemedia
WellDone
![Page 30: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/30.jpg)
BeyondMail:IntegratedMul(channelCampaigns
30
Email• Accountholdercross-sell• Greatforrela0onship-basedoffers• Piggybackontoe-newsleierstreams
Branch• Take-ones• Posters• Tentcards• Bankersheets
Web• Onlinebankingpop-ups• Drivetolandingpage
ATM• Promo0onalmessagingandoffercoupons
Mobile• Integratedpromo0onalmessaging
SocialMedia• Challengingformanyfinancialins0tu0ons• Buildawarenessofyourfinancialins0tu0onasac0velylending
• Posi0veexposureforgoodcustomerexperiences
• Blogs
![Page 31: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/31.jpg)
Award-WinningCrea(veQuality79Awardsin2015and36Awardsin2016YTD
31
![Page 32: 10 Crea(ve Best Prac(ces to Accelerate Your Auto Lending ... · 9/10/2016 · 10 Stand out by cung through mailbox, inbox cluier Make the lending/approval process feel easy Call](https://reader035.fdocuments.us/reader035/viewer/2022071116/5ffde50b0e6c985cf02ceb7d/html5/thumbnails/32.jpg)
Q&AWrapUp
Typeyourques(onintheques(onspanel
KrisNibleHCrea0veDirector,HarlandClarkeMarke0ngServicesStephenNikitasSeniorStrategyDirector,HarlandClarke
Presenta(onmaterialsandvideoreplaywillbeprovidedwithinoneweek.Visitharlandclarke.com/webcastsforthisandpreviousevents.
harlandclarke.com/LinkedIn
harlandclarke.com/Twiier
www.harlandclarke.com/webcasts
32