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common vision • uncommon experience • think discovery

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Generation Y: The Future of Credit Unions

Matt Dean, CEO-TrabianBryan Sims, CEO-brass|MEDIA Inc.

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common vision • uncommon experience • think discovery

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Entrepreneurial

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Entrepreneurship• Ebay

– 724,000 primary or secondary income

– 1.5 million supplement their income

• In processing interviews in New York City Family Court, kids still say they want most to be NBA basketball players.

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Entrepreneurship• Ebay

– 724,000 primary or secondary income

– 1.5 million supplement their income

• In processing interviews in New York City Family Court, kids still say they want most to be NBA basketball players.

– The second most frequent response is "to be an entrepreneur."

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common vision • uncommon experience • think discovery

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common vision • uncommon experience • think discovery

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Helping People

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Charity/Social Drive

• $926 million- donations from 8-18 year olds in 2004

• 86% consumers say they are likely to switch brands associated with a good cause given all things equal

– 50% are willing to pay 5-10% more

• 58% of Americans will purchase products that donate a percentage to causes

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Charity/Social Drive• Target Guest Card-

– Customers donate 1% of purchase to local school of their choice

– On school web sites, “If you shop at Target, please consider designating Sanford Middle School as your choice for giving.”

– Target opened 11 million accounts and schools got $23 million

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common vision • uncommon experience • think discovery

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common vision • uncommon experience • think discovery

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Technology

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Technology

“Members of the My Media Generation can fit up to 44 hours of activities in just one day…”

-Yahoo.com

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Blogs

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RSS

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common vision • uncommon experience • think discovery

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common vision • uncommon experience • think discovery

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common vision • uncommon experience • think discovery

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Technology

750,000 in 48 hours

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Picture Perfect

Visa Credit – November 2005Ø 8,447 accountsØ 7% increase in transactionsØ 9% increase in balancesØ 22% decrease in checks written

Visa Debit – March 2006Ø 10,021 accountsØ 13% increase in transactionsØ 7% increase in balancesØ 18% decrease in checks written

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Wesabe

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common vision • uncommon experience • think discovery0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

ATM withdrawals Check cards Online banking Online bill pay

17%20%

37%

47%

32%

39%

57%

62%

35%

48%

69%

80%

40%

59%

77%

84%

50%

68%

83%

90%

18-3435-4445-5455-6465 or older

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common vision • uncommon experience • think discovery

Technology

Not just technology…

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Young adults view physical branches just as importantly as Baby

Boomers

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Apple Genius Bar

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Umpqua Bank

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2006 Internet advertising is up 34%

from 2005

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But…..

…10% to 15% of the advertising traffic is

likely click fraud

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More than 230 million Americans have cell

phones

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But……

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Magazine circulation decreased 5.5% the

past 12 months

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But….if you drill deeper…

Average Magazine Titles Read in Past 6 Months

19-24 year olds- 18.3

45-54 year olds- 16.7

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Meanwhile, 71% of 13-24 year olds still read magazines…

…58% of those said even if they can get the same information online

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YouTube serves 200 million videos

per day!

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Don’t just do it because its ‘cool’

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ESPN Zone Restaurant ESPN Web Video ESPN Mobile

ESPN Cable ESPN Magazine ESPN Podcast

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Then why should you care?

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Worst Bank Ever.

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I'm going to tell you all a short story about the worst bank ever. To protect the innocent we'll just call this bank Tells Largo.

I am trying to close my account at Tells Largo. So far it has taken 7 days and 4 phone calls....and it's still open!!

I think there may be one competent person at Wells Fargo. Of course, I won't believe it until my acct is closed, which hasn't happened yet.

kellydJune 18-19, 2007

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chaztoo

Wells Fargo: Thanks so much for calling ME & putting ME on hold for 30 seconds before talking to me. Actually, eat a bowl of rats.

June 21, 2007

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1. Wachovia: $26.63 (0.99 overdrafts per account; $26.79 average fee)2. U.S. Bank: $22.42 (0.70 overdrafts per account; $31.85 average fee)3. Washington Mutual: $21.14 (0.76 overdrafts per account; $27.76 average fee)4. Bank of America: $15.19 (0.48 overdrafts per account; $31.41 average fee)

5. Wells Fargo: $12.42 (0.38 overdrafts per account; $32.59 average fee)

Tracking Overdraft Fees

June 14, 2007

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But you’re not Wells Fargo.

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common vision • uncommon experience • think discovery

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common vision • uncommon experience • think discovery

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DarrenBarefoot.com

I Wanted to Like Vancity, But Now I Loathe Them

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Unfair? Probably.

Important? Absolutely.

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‘No credit’ is not ‘bad credit’

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common vision • uncommon experience • think discovery

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Take Aways

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Take Aways

All departments, not just marketing

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Take Aways

New and/or rotating board members

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Take Aways

All aspects of media

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Take Aways

Young adults ARE profitable– 69% college students kept accounts at

same institution

– Biggest increase in new homers were under 25

– Lower cost of servicing

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common vision • uncommon experience • think discovery

Take Aways

Lurk, participate,

THEN create

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Take Aways

Be open to criticism

(but be sure to respond)

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Take Aways

Work in progress, never finished

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common vision • uncommon experience • think discovery

Websites to check out• www.earlyearners.com• www.wesabe.com• www.zillow.com• www.espn.com

• www.coastalfcu.org/studentbanking• www.umpquabank.com• www.zopa.com

• blog.wellsfargo.com/StudentLoanDown/• blog.veritycu.com

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Questions?

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www.opensourcecu.com/discovery

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common vision • uncommon experience • think discovery

Contact InformationSpeaker Name: Bryan Sims Phone Number: 541-753-8546

Email Address: BryanSims@brassmedia.com

Speaker Name: Matt DeanPhone Number: 317-596-3537Email Address: matt@trabian.com

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common vision • uncommon experience • think discovery

© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

common vision • uncommon experience • think discovery

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common vision • uncommon experience • think discovery