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Young Adults & Credit Unions: Partnering with  m Y  Generation for Success 2008 CUNA Lending Council Conference Monday, No...
<ul><li>Why partnering for success? </li></ul>
Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs...
<ul><li>We go by a lot of names… </li></ul><ul><ul><li>Gen Y </li></ul></ul><ul><ul><li>Millenials </li></ul></ul><ul><ul>...
<ul><li>For today… </li></ul><ul><ul><li>Young Adults = 18-to-30 </li></ul></ul><ul><ul><li>About 49 Million of us </li></...
Who are we? <ul><li>How we feel older generations see us… </li></ul>
Who are we? <ul><li>How we see ourselves… </li></ul>
<ul><li>Basic stuff about Young Adults: </li></ul><ul><ul><ul><li>Older and Younger Cohorts </li></ul></ul></ul><ul><ul><u...
Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs...
Young Adults, Lending, & Growth <ul><li>Why focus on this demographic in general? </li></ul>
Young Adults, Lending, & Growth <ul><li>CUNA’s Growth Task Force </li></ul><ul><ul><li>Identified 3 groups as opportunitie...
<ul><li>Young adults = growth and loan revenue </li></ul><ul><li>1985  </li></ul><ul><ul><li>55%  of adult CU members in p...
Macro Trend, Gen Y Peak borrowing years Membership by age 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
<ul><li>From 2006 - 2010  </li></ul><ul><ul><li>$25 Billion to $35 Billion in loans going elsewhere </li></ul></ul><ul><li...
Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs...
<ul><li>Credit Worthiness </li></ul><ul><li>Debt Management </li></ul><ul><li>Money Management </li></ul><ul><li>Asset Bui...
<ul><li>Why creditworthiness? </li></ul><ul><li>Approximately 1 in 5 young adults with modest income at “debt hardship” le...
Creditworthiness <ul><li>Serving this need: </li></ul><ul><ul><li>Credit products that enable us to build credit history <...
<ul><li>Why asset building? </li></ul><ul><ul><li>“51% of young adults … think they will have over $1 million in assets at...
<ul><li>Why asset building? </li></ul>Asset Building - Beacon Economics
Asset Building <ul><li>Serving this need: </li></ul><ul><ul><li>Retirement and investments </li></ul></ul><ul><ul><li>Purc...
In need of asset building & creditworthiness starter products now  Product Demand Reflects Our Needs
Creditworthiness & Asset Building <ul><li>Creditworthiness and asset building needs involve education and service </li></u...
Customer Advocacy 2007 How Customers Rate Financial Services   Company   Score USAA 88% Local Advisor 76% Credit Unions   ...
Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs...
Serving Us Even if We Don’t Qualify Sarah Sam A story of two young adults…
Serving Us Even if We Don’t Qualify Sorry Sam, no can do… consider  We Lend To Everyone Mortgage  or  GIANT Bank What? I’m...
Serving Us Even if We Don’t Qualify Let’s get you started on the path to home ownership… first, let’s help you get your fi...
Serving Us Even if We Don’t Qualify <ul><li>Which one is the result of advocacy? </li></ul>
Serving Us Even If We Don’t Qualify <ul><li>Advocacy at your credit union </li></ul><ul><ul><li>Don’t have to say “no”… ju...
Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Needs </li></ul><ul><li>Young Adults, Lending, & Growth...
Credit Union Examples
Wright-Patt Credit Union
<ul><li>Research and apply. </li></ul><ul><li>Become a member. </li></ul><ul><li>Cross-sell. </li></ul><ul><li>Media stude...
<ul><li>Side-by-side auto loan </li></ul><ul><ul><li>Risk-based lending  </li></ul></ul><ul><ul><ul><li>Terms up to 72-mon...
Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Needs </li></ul><ul><li>Young Adults, Lending, & Growth...
Peer-to-Peer <ul><li>What is P2P Lending? </li></ul><ul><li>Lending without intermediation of a traditional financial inst...
Peer-to-Peer <ul><li>What is P2P Lending? </li></ul><ul><ul><li>Secured </li></ul></ul><ul><ul><li>Unsecured </li></ul></u...
Peer-to-Peer <ul><li>Unsecured </li></ul><ul><ul><li>Pooled </li></ul></ul><ul><ul><ul><li>Zopa </li></ul></ul></ul>We hav...
Peer-to-Peer <ul><li>Unsecured </li></ul><ul><ul><li>Direct </li></ul></ul><ul><ul><ul><li>Prosper </li></ul></ul></ul>Eac...
Peer-to-Peer <ul><li>Examples of P2P lenders in US </li></ul><ul><ul><li>Fynanz  - P2P financing for student loans.  </li>...
Peer-to-Peer <ul><li>Credit Unions and P2P Lending </li></ul><ul><ul><li>Zopa </li></ul></ul><ul><ul><ul><li>“Investors” p...
 
 
Student Loan Environment <ul><li>Mass Exodus of lenders </li></ul><ul><ul><li>FFELP </li></ul></ul><ul><ul><li>Consolidati...
Student Loan Environment <ul><li>Why? </li></ul><ul><ul><li>College Cost Reduction & Access Act </li></ul></ul><ul><ul><ul...
Student Loan Environment <ul><li>College Cost Reduction and Access Act  </li></ul><ul><ul><li>Title III - REDUCTIONS TO LE...
Student Loan Environment <ul><li>Opportunities </li></ul><ul><ul><li>Fill the gap </li></ul></ul><ul><ul><li>FFELP not as ...
Student Loan Environment <ul><li>CUs and student loans </li></ul><ul><ul><li>USC Credit Union </li></ul></ul><ul><ul><ul><...
Indirect Borrowing <ul><li>Opportunity Knocks </li></ul><ul><ul><li>40% of all existing loans (+/-) </li></ul></ul><ul><ul...
Indirect Borrowing <ul><li>“ Data Mining” </li></ul><ul><li>Get in touch </li></ul><ul><ul><li>Baxter CU  </li></ul></ul><...
<ul><li>Filene Research Institute </li></ul><ul><ul><li>Research </li></ul></ul><ul><ul><ul><li>George Hofheimer  </li></u...
<ul><ul><li>YES CU Community www.yescucommunity.com </li></ul></ul>Resources….. 2008 YES Summit   December 3-5, 2008    T...
Contact Information <ul><li>Joshua Jones, CUDE </li></ul><ul><li>Manager of Young Adult Programs </li></ul><ul><li>Credit ...
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Young Adults & Credit Unions - Partnering with mY generation

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Delivered at the 2008 CUNA Lending Council Conference. This presentation offers examples, suggestions, resources, and info about successful Gen Y lending practices.

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Young Adults & Credit Unions - Partnering with mY generation

  1. 1. Young Adults & Credit Unions: Partnering with m Y Generation for Success 2008 CUNA Lending Council Conference Monday, November 3rd JW Marriott Grande Lakes – Orlando, FL
  2. 2. <ul><li>Why partnering for success? </li></ul>
  3. 3. Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs </li></ul><ul><li>If we don’t qualify, serve us anyway </li></ul><ul><li>CU examples </li></ul><ul><li>P2P, student loans, &indirect borrowing </li></ul><ul><li>Questions </li></ul>
  4. 4. <ul><li>We go by a lot of names… </li></ul><ul><ul><li>Gen Y </li></ul></ul><ul><ul><li>Millenials </li></ul></ul><ul><ul><li>Gen Next </li></ul></ul><ul><ul><li>Generation Debt </li></ul></ul>Who are we?
  5. 5. <ul><li>For today… </li></ul><ul><ul><li>Young Adults = 18-to-30 </li></ul></ul><ul><ul><li>About 49 Million of us </li></ul></ul><ul><li>US Census Bureau Estimate </li></ul>Who are we?
  6. 6. Who are we? <ul><li>How we feel older generations see us… </li></ul>
  7. 7. Who are we? <ul><li>How we see ourselves… </li></ul>
  8. 8. <ul><li>Basic stuff about Young Adults: </li></ul><ul><ul><ul><li>Older and Younger Cohorts </li></ul></ul></ul><ul><ul><ul><li>Categories within categories </li></ul></ul></ul><ul><ul><ul><li>Largest asset is… </li></ul></ul></ul><ul><ul><ul><li>Income </li></ul></ul></ul><ul><ul><ul><li>Credit history </li></ul></ul></ul><ul><ul><ul><li>Can really use what credit unions provide, but don’t fully understand credit unions … yet </li></ul></ul></ul>Who are we?
  9. 9. Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs </li></ul><ul><li>If we don’t qualify, serve us anyway </li></ul><ul><li>CU examples </li></ul><ul><li>P2P, student loans, &indirect borrowing </li></ul><ul><li>Questions </li></ul>
  10. 10. Young Adults, Lending, & Growth <ul><li>Why focus on this demographic in general? </li></ul>
  11. 11. Young Adults, Lending, & Growth <ul><li>CUNA’s Growth Task Force </li></ul><ul><ul><li>Identified 3 groups as opportunities for credit union membership growth </li></ul></ul><ul><ul><ul><li>Recent immigrants </li></ul></ul></ul><ul><ul><ul><li>Retiring Baby-Boomers </li></ul></ul></ul><ul><ul><ul><li>Young adults </li></ul></ul></ul>
  12. 12. <ul><li>Young adults = growth and loan revenue </li></ul><ul><li>1985 </li></ul><ul><ul><li>55% of adult CU members in prime borrowing years </li></ul></ul><ul><li>2006 </li></ul><ul><ul><li>38% of adult CU members in prime borrowing years </li></ul></ul><ul><li>06-07 Credit Union E-Scan </li></ul>Young Adults, Lending, & Growth
  13. 13. Macro Trend, Gen Y Peak borrowing years Membership by age 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
  14. 14. <ul><li>From 2006 - 2010 </li></ul><ul><ul><li>$25 Billion to $35 Billion in loans going elsewhere </li></ul></ul><ul><li>06-07 Credit Union E-Scan </li></ul>Young Adults, Lending, & Growth
  15. 15. Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs </li></ul><ul><li>If we don’t qualify, serve us anyway </li></ul><ul><li>CU examples </li></ul><ul><li>P2P, student loans, &indirect borrowing </li></ul><ul><li>Questions </li></ul>
  16. 16. <ul><li>Credit Worthiness </li></ul><ul><li>Debt Management </li></ul><ul><li>Money Management </li></ul><ul><li>Asset Building </li></ul><ul><li>Engage through education and service </li></ul>Source: CUNA’s YES Summit: Serving 18-to-30s – 2006,2007 Our Basic Financial Needs
  17. 17. <ul><li>Why creditworthiness? </li></ul><ul><li>Approximately 1 in 5 young adults with modest income at “debt hardship” levels … this leads to poor credit </li></ul><ul><li>In general, between 1995 to 2004 </li></ul><ul><ul><li>Median HH debt skyrockets 72% </li></ul></ul><ul><ul><li>Median HH assets grew at a much slower pace </li></ul></ul><ul><ul><li>- George Hofheimer, Filene Research 2006 YES Summit </li></ul></ul>Creditworthiness
  18. 18. Creditworthiness <ul><li>Serving this need: </li></ul><ul><ul><li>Credit products that enable us to build credit history </li></ul></ul><ul><ul><li>Credit products that don’t take advantage of our inexperience </li></ul></ul><ul><ul><li>Education and service </li></ul></ul>
  19. 19. <ul><li>Why asset building? </li></ul><ul><ul><li>“51% of young adults … think they will have over $1 million in assets at some point in their life.” </li></ul></ul><ul><ul><li>- The Gallop Organization </li></ul></ul>Asset Building
  20. 20. <ul><li>Why asset building? </li></ul>Asset Building - Beacon Economics
  21. 21. Asset Building <ul><li>Serving this need: </li></ul><ul><ul><li>Retirement and investments </li></ul></ul><ul><ul><li>Purchasing a home is the biggest investment most people make </li></ul></ul><ul><ul><ul><li>Need a loan to purchase a home </li></ul></ul></ul><ul><ul><li>Investing in our own future </li></ul></ul><ul><ul><ul><li>Need student loans to increase earning potential </li></ul></ul></ul><ul><ul><ul><li>Small business loans for young entrepreneurs </li></ul></ul></ul><ul><ul><li>Education and Service </li></ul></ul>
  22. 22. In need of asset building & creditworthiness starter products now Product Demand Reflects Our Needs
  23. 23. Creditworthiness & Asset Building <ul><li>Creditworthiness and asset building needs involve education and service </li></ul><ul><ul><li>Addressing our current needs </li></ul></ul><ul><ul><li>Positioning us to take advantage of future offerings </li></ul></ul>
  24. 24. Customer Advocacy 2007 How Customers Rate Financial Services Company Score USAA 88% Local Advisor 76% Credit Unions 66% Local Banks 48% Wachovia 40% U.S. Bank 36% WaMu 34% Bank of America 33% Wells Fargo 32% Citibank 24% Advocacy drives willingness to buy or borrow more.
  25. 25. Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>Needs </li></ul><ul><li>If we don’t qualify, serve us anyway </li></ul><ul><li>CU examples </li></ul><ul><li>P2P, student loans, &indirect borrowing </li></ul><ul><li>Questions </li></ul>
  26. 26. Serving Us Even if We Don’t Qualify Sarah Sam A story of two young adults…
  27. 27. Serving Us Even if We Don’t Qualify Sorry Sam, no can do… consider We Lend To Everyone Mortgage or GIANT Bank What? I’m never coming back here again
  28. 28. Serving Us Even if We Don’t Qualify Let’s get you started on the path to home ownership… first, let’s help you get your finances in order… I was hoping to get the loan NOW… but they do want to help me get there. No one else has offered that!
  29. 29. Serving Us Even if We Don’t Qualify <ul><li>Which one is the result of advocacy? </li></ul>
  30. 30. Serving Us Even If We Don’t Qualify <ul><li>Advocacy at your credit union </li></ul><ul><ul><li>Don’t have to say “no”… just “not right now” </li></ul></ul><ul><ul><li>Offer to: </li></ul></ul><ul><ul><ul><li>Review their finances WITH them </li></ul></ul></ul><ul><ul><ul><li>Set up a plan of action </li></ul></ul></ul><ul><ul><ul><ul><li>Savings </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Credit builders </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Seminars/education </li></ul></ul></ul></ul>
  31. 31. Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Needs </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>If we don’t qualify, serve us anyway </li></ul><ul><li>CU examples </li></ul><ul><li>P2P, student loans, &indirect borrowing </li></ul><ul><li>Questions </li></ul>
  32. 32. Credit Union Examples
  33. 33. Wright-Patt Credit Union
  34. 34. <ul><li>Research and apply. </li></ul><ul><li>Become a member. </li></ul><ul><li>Cross-sell. </li></ul><ul><li>Media students enjoy. </li></ul>UW Credit Union
  35. 35. <ul><li>Side-by-side auto loan </li></ul><ul><ul><li>Risk-based lending </li></ul></ul><ul><ul><ul><li>Terms up to 72-month terms for first-time car buyers </li></ul></ul></ul><ul><ul><li>Signature Loan </li></ul></ul><ul><ul><ul><li>Finance first 6 months of insurance as part of loan </li></ul></ul></ul><ul><ul><li>Save for next round of insurance payments </li></ul></ul><ul><ul><li>Product sold as FICO booster </li></ul></ul><ul><ul><ul><li>Separate loans improve overall profile </li></ul></ul></ul>Shreveport Federal CU <ul><ul><li>- Ben Rogers, CU Tomorrow 2007 YES Summit </li></ul></ul>
  36. 36. Young Adults & Credit Unions <ul><li>Who are we? </li></ul><ul><li>Needs </li></ul><ul><li>Young Adults, Lending, & Growth </li></ul><ul><li>If we don’t qualify, serve us anyway </li></ul><ul><li>CU examples </li></ul><ul><li>P2P, student loans, &indirect borrowing </li></ul><ul><li>Questions </li></ul>
  37. 37. Peer-to-Peer <ul><li>What is P2P Lending? </li></ul><ul><li>Lending without intermediation of a traditional financial institution </li></ul><ul><ul><li>Marketplace model </li></ul></ul><ul><ul><li>Family/Friend model </li></ul></ul>
  38. 38. Peer-to-Peer <ul><li>What is P2P Lending? </li></ul><ul><ul><li>Secured </li></ul></ul><ul><ul><li>Unsecured </li></ul></ul><ul><ul><ul><li>Pooled </li></ul></ul></ul><ul><ul><ul><li>Direct </li></ul></ul></ul>
  39. 39. Peer-to-Peer <ul><li>Unsecured </li></ul><ul><ul><li>Pooled </li></ul></ul><ul><ul><ul><li>Zopa </li></ul></ul></ul>We have great credit ratings! Lenders Pool of borrowers Our credit rating isn’t so great… More risk = 15% Less risk = 8% More risk = 12% Less risk = 9%
  40. 40. Peer-to-Peer <ul><li>Unsecured </li></ul><ul><ul><li>Direct </li></ul></ul><ul><ul><ul><li>Prosper </li></ul></ul></ul>Each of us can offer you a small amount at these rates… we’re offering other borrowers small amounts at certain rates too… Hmm… each little bit will help Borrower Pool of Lenders
  41. 41. Peer-to-Peer <ul><li>Examples of P2P lenders in US </li></ul><ul><ul><li>Fynanz - P2P financing for student loans. </li></ul></ul><ul><ul><li>Lending Club - P2P lenders and borrowers matched through social connections. </li></ul></ul><ul><ul><li>Prosper Marketplace - America's first P2P lending/borrowing auction-style marketplace. </li></ul></ul><ul><ul><li>Virgin Money – P2P lending focused on pre-existing relationships. </li></ul></ul><ul><ul><li>Zopa - In the US, Zopa offers guaranteed CDs to lenders and loans to borrowers. </li></ul></ul>
  42. 42. Peer-to-Peer <ul><li>Credit Unions and P2P Lending </li></ul><ul><ul><li>Zopa </li></ul></ul><ul><ul><ul><li>“Investors” purchase Zopa CD </li></ul></ul></ul><ul><ul><ul><ul><li>Offer slice of return to borrowers </li></ul></ul></ul></ul><ul><ul><ul><li>“Borrowers” </li></ul></ul></ul><ul><ul><ul><ul><li>Post a profile on Zopa site to attract investors </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Obtain loan through CU, mitigate interest through investors </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Gain enough investors, all repayment covered </li></ul></ul></ul></ul><ul><ul><ul><li>Closed to “new business” due to EESA as of 10/08/08 </li></ul></ul></ul>
  43. 45. Student Loan Environment <ul><li>Mass Exodus of lenders </li></ul><ul><ul><li>FFELP </li></ul></ul><ul><ul><li>Consolidation market </li></ul></ul>
  44. 46. Student Loan Environment <ul><li>Why? </li></ul><ul><ul><li>College Cost Reduction & Access Act </li></ul></ul><ul><ul><ul><li>Effective October 1, 2007 </li></ul></ul></ul><ul><ul><ul><li>Reduced margins & insurance </li></ul></ul></ul><ul><ul><li>Sub prime credit crisis </li></ul></ul><ul><ul><ul><li>No liquidity to generate new loans </li></ul></ul></ul>Student Loan Summit, Jackson Mississippi, 05/22/2008
  45. 47. Student Loan Environment <ul><li>College Cost Reduction and Access Act </li></ul><ul><ul><li>Title III - REDUCTIONS TO LENDERS IN THE FFEL PROGRAM </li></ul></ul><ul><ul><ul><li>Eliminates the &quot;Exceptional Performer&quot; status </li></ul></ul></ul><ul><ul><ul><li>Reduction of default insurance paid by fed gov’t to lenders </li></ul></ul></ul><ul><ul><ul><li>Reduction in special allowance payments (SAP) from the Department to lenders </li></ul></ul></ul><ul><ul><ul><ul><li>For-profit lenders would receive a 55 basis point SAP reduction </li></ul></ul></ul></ul><ul><ul><ul><ul><li>Not-for-profit lenders would receive a 40 basis point SAP reduction. </li></ul></ul></ul></ul><ul><ul><ul><li>Increased loan fee paid to the Department by lenders - that cannot be passed on to borrowers </li></ul></ul></ul><ul><ul><ul><li>Decreased the account maintenance fees paid by the Department to guarantors </li></ul></ul></ul>
  46. 48. Student Loan Environment <ul><li>Opportunities </li></ul><ul><ul><li>Fill the gap </li></ul></ul><ul><ul><li>FFELP not as rosy, but opportunity still there b/c other financial institutions backed out </li></ul></ul><ul><ul><li>Developing relationships </li></ul></ul><ul><ul><ul><li>Students, & parents </li></ul></ul></ul><ul><ul><ul><li>Institutions through PLL or other arrangement </li></ul></ul></ul>
  47. 49. Student Loan Environment <ul><li>CUs and student loans </li></ul><ul><ul><li>USC Credit Union </li></ul></ul><ul><ul><ul><li>Relationship with school </li></ul></ul></ul><ul><ul><li>Texas Dow Employees Credit Union </li></ul></ul><ul><ul><ul><li>Education and parental focus </li></ul></ul></ul><ul><ul><li>UW Credit Union </li></ul></ul><ul><ul><ul><li>Personalized service </li></ul></ul></ul>
  48. 50. Indirect Borrowing <ul><li>Opportunity Knocks </li></ul><ul><ul><li>40% of all existing loans (+/-) </li></ul></ul><ul><ul><li>80% of net auto loan growth in 2006 </li></ul></ul><ul><ul><li>Tend to be younger and in prime borrowing years. </li></ul></ul>- Bill Jolicoeur, CUNA Mutual, 2007 Discovery Conference
  49. 51. Indirect Borrowing <ul><li>“ Data Mining” </li></ul><ul><li>Get in touch </li></ul><ul><ul><li>Baxter CU </li></ul></ul><ul><li>Build relationships with those that steer indirect borrowers </li></ul><ul><ul><li>Altra Federal CU </li></ul></ul>
  50. 52. <ul><li>Filene Research Institute </li></ul><ul><ul><li>Research </li></ul></ul><ul><ul><ul><li>George Hofheimer </li></ul></ul></ul><ul><ul><ul><li>Chief Research Officer </li></ul></ul></ul><ul><ul><ul><li>[email_address] </li></ul></ul></ul><ul><ul><ul><li>http://filene.org/ </li></ul></ul></ul><ul><ul><li>30 Under 30 initiative </li></ul></ul><ul><ul><ul><li>Ben Rogers </li></ul></ul></ul><ul><ul><ul><li>Director of 30 Under 30 & Driver of CUTomorrow </li></ul></ul></ul><ul><ul><ul><li>[email_address] </li></ul></ul></ul><ul><ul><ul><li>http://www.cutomorrow.org </li></ul></ul></ul>Resources…..
  51. 53. <ul><ul><li>YES CU Community www.yescucommunity.com </li></ul></ul>Resources….. 2008 YES Summit December 3-5, 2008  Tampa, FL MoneyMix: Launch Your Life
  52. 54. Contact Information <ul><li>Joshua Jones, CUDE </li></ul><ul><li>Manager of Young Adult Programs </li></ul><ul><li>Credit Union National Association </li></ul><ul><li>608-231-4262 </li></ul><ul><li>[email_address] </li></ul>

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