A Minnesota credit union launched a $50 checking account rewards program that is attracting new customers and encouraging cross-selling by employees. The program offers a $50 Visa gift card for opening a new checking account and another $50 gift card for referrals from existing members. Since its start two years ago, the program has increased the credit union's checking accounts by over 150% and doubled the number of new checking openings year-over-year. The credit union promotes the program through various marketing channels and monitors its success on a monthly basis.
This document provides information on several financial institution marketing campaigns and promotions:
- A California credit union generated over 200 new members and $1 million in new loans through a referral program offering $50 to members and $100 to referred members who set up direct deposit.
- A Tennessee credit union more than doubled their monthly electronic statement enrollments from 20-30 to 119 in July and 99 in August through a promotion offering a $100 gift card for signing up.
- Additional stories provide examples of product branding, social media campaigns, and mobile banking promotions at other institutions.
Today's Realities, "Think About It . . . What Would It Be Worth? clyde leverett jr
* Toughest financial era since the Great Depression
* Average US debt is over $16,000 excluding mortgages
* More than one-in-four Americans have no savings / 49%
have no retirement
* Only 18% know they are on track to reach their income
goal in retirement (Source: Forbes)
* 65% have no will, 82% have no trust & 71% have no
power of attorney (Source: Lawyers.com, 2009)
* Every 3 seconds an identity is stolen (Source: Javelin
Strategy & Research Identity Fraud Survey Report,
* About 43 million people have a 599 credit score or lower
This document discusses the rising issue of data breaches and provides tips for dealing with potential credit card fraud. It notes that many major retailers have experienced data breaches in 2014, exposing customers' credit card numbers. While using cash avoids the risk of card fraud, it also has risks. The document advises cardholders to monitor their accounts closely for suspicious charges, report any fraud immediately, and notes that new credit cards with embedded computer chips will make cards more secure and help reduce fraud.
We’ve put together a presentation called ‘Getting Your Board on Board – Talking to Your Board About CanadaHelps.’ This presentation is designed for you to show your board why CanadaHelps would be beneficial to your organization.
Marriott can exceed earnings expectations in 2 years by catering to niche markets. The report recommends that Marriott:
1) Drive demand from Chinese travelers by packaging hotel stays with tours. This could yield a profit of $55.6 million.
2) Create a business class package for solo business travelers, including transportation and amenities. With 0.1% market share, profits would be $18 million.
3) Diverting funds from new hotels to purchase 5 riverboat casinos could increase total profit by 50% or $43.6 million, for a total additional profit of $84.2 million.
Presentation by Tate & Tryon offering detailed information for exempt organizations on how people monitor their organization, filings and effective use of donations
- Many Americans are in poor financial shape based on various metrics like credit scores, debt levels, savings, and retirement preparedness.
- The main reason for this is a lack of financial education according to the document.
- The document then describes a company called Financial Education Services that provides financial education and services to help protect people's identities, credit, finances, families, lifestyles and futures.
- It outlines the various services and benefits included in a Protection Plan membership, as well as career opportunities to sell memberships and services.
This document summarizes several articles from the September 2015 issue of CU Management magazine. The cover story discusses how credit unions are developing mobile apps that improve the member experience from joining to borrowing. Another article describes how Suncoast Credit Union is powering some of its branches entirely with solar energy and using geothermal systems for heating and cooling to reduce energy usage. A third article identifies four pillars of a high performing IT organization: prioritizing the member experience, having a strategy driven by that focus, strong project leadership, and data-driven decision making.
This document provides information on several financial institution marketing campaigns and promotions:
- A California credit union generated over 200 new members and $1 million in new loans through a referral program offering $50 to members and $100 to referred members who set up direct deposit.
- A Tennessee credit union more than doubled their monthly electronic statement enrollments from 20-30 to 119 in July and 99 in August through a promotion offering a $100 gift card for signing up.
- Additional stories provide examples of product branding, social media campaigns, and mobile banking promotions at other institutions.
Today's Realities, "Think About It . . . What Would It Be Worth? clyde leverett jr
* Toughest financial era since the Great Depression
* Average US debt is over $16,000 excluding mortgages
* More than one-in-four Americans have no savings / 49%
have no retirement
* Only 18% know they are on track to reach their income
goal in retirement (Source: Forbes)
* 65% have no will, 82% have no trust & 71% have no
power of attorney (Source: Lawyers.com, 2009)
* Every 3 seconds an identity is stolen (Source: Javelin
Strategy & Research Identity Fraud Survey Report,
* About 43 million people have a 599 credit score or lower
This document discusses the rising issue of data breaches and provides tips for dealing with potential credit card fraud. It notes that many major retailers have experienced data breaches in 2014, exposing customers' credit card numbers. While using cash avoids the risk of card fraud, it also has risks. The document advises cardholders to monitor their accounts closely for suspicious charges, report any fraud immediately, and notes that new credit cards with embedded computer chips will make cards more secure and help reduce fraud.
We’ve put together a presentation called ‘Getting Your Board on Board – Talking to Your Board About CanadaHelps.’ This presentation is designed for you to show your board why CanadaHelps would be beneficial to your organization.
Marriott can exceed earnings expectations in 2 years by catering to niche markets. The report recommends that Marriott:
1) Drive demand from Chinese travelers by packaging hotel stays with tours. This could yield a profit of $55.6 million.
2) Create a business class package for solo business travelers, including transportation and amenities. With 0.1% market share, profits would be $18 million.
3) Diverting funds from new hotels to purchase 5 riverboat casinos could increase total profit by 50% or $43.6 million, for a total additional profit of $84.2 million.
Presentation by Tate & Tryon offering detailed information for exempt organizations on how people monitor their organization, filings and effective use of donations
- Many Americans are in poor financial shape based on various metrics like credit scores, debt levels, savings, and retirement preparedness.
- The main reason for this is a lack of financial education according to the document.
- The document then describes a company called Financial Education Services that provides financial education and services to help protect people's identities, credit, finances, families, lifestyles and futures.
- It outlines the various services and benefits included in a Protection Plan membership, as well as career opportunities to sell memberships and services.
This document summarizes several articles from the September 2015 issue of CU Management magazine. The cover story discusses how credit unions are developing mobile apps that improve the member experience from joining to borrowing. Another article describes how Suncoast Credit Union is powering some of its branches entirely with solar energy and using geothermal systems for heating and cooling to reduce energy usage. A third article identifies four pillars of a high performing IT organization: prioritizing the member experience, having a strategy driven by that focus, strong project leadership, and data-driven decision making.
This slide deck examines new product releases from credit card carriers in our Credit Card Monitor coverage group. Inside, we provide an overview of the new credit cards introduced on the firms’ websites over the course of 2015 and highlight their key features.
Small business funding vs. small business grants how to chooseMerchant Advisors
Here is a complete guide to help you decide small business grants vs small business funding and how to choose them for your business. For more information. visit at https://www.onlinecheck.com/blog/business-loans/small-business-loans-vs-business-grants/
This document is the March 2014 issue of the newsletter "ForwardInsight for Today's Financial Professional" published by Signator Investors. It includes the following key points:
- It congratulates the 2013 award winners and discusses top performers.
- It covers topics like how female advisors and clients are changing the industry, tips for acquiring female clients, and protecting client data.
- The letter from the president discusses the need for the company to continue adapting to changes in regulations, technologies, and client needs.
CauseCard offers a powerful customer loyalty and marketing program that helps businesses accomplish several key goals better than other solutions. It automatically builds a customer database as customers activate reward cards online or in-store without paper forms. It rewards customer spending with cash back that can only be used at the business. It also supports local non-profits with each transaction through cause marketing. Preliminary merchant feedback found most support local causes but lack easy loyalty programs, and no merchants used daily deals sites due to complexity and lack of value.
This document provides a summary of the Wells Fargo fake accounts scandal that occurred from 2011-2015. Over 5,300 Wells Fargo employees opened over 2 million checking and credit card accounts without customers' consent in order to meet unrealistic sales goals. This illegal activity resulted in Wells Fargo paying $185 million in fines by the CFPB and OCC. The scandal damaged Wells Fargo's reputation and led to the firing of its CEO and over 5,000 employees who were involved. The document examines how Wells Fargo's overemphasis on sales goals and lack of oversight and controls over employees contributed to the development of a corrupt corporate culture.
10 best business loans options for people with disabilitiesMerchant Advisors
Finding business loan options can be challenging especially if you have a disability. Here is a list of 10 best business loans for people with disabilities. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-people-with-disabilities/
The document discusses various topics related to managing personal finances and debt as a student. It provides tips for creating a budget, understanding credit reports and credit scores, managing credit card debt, and seeking help for debt problems. Key recommendations include paying more than the minimum on credit cards, focusing on highest interest debt first, and developing a budget to avoid living beyond one's means. Resources for debt help and credit counseling are also listed.
Small Business Credit Survey, May 2013 Key FindingsThe New York Fed
As part of its regional and community outreach, the New York Fed asks small businesses in our region about their credit needs and experiences. In the May 2013 survey, we heard from 812 small businesses in New York, New Jersey, and Connecticut. Most business owners we polled cite access to capital as a top growth concern, but only a third of firms actually report applying for credit in 2012. Credit applicants were mostly experienced and higher performing small businesses and more of them received full funding than in past surveys. Among the non-applicants, fewer firms self-identified as being discouraged or not applying because they anticipated being declined. Looking to future credit use, there are clear distinctions between applicants and non-applicants. A majority of firms that are planning to apply for credit in the next two quarters of 2013 will be re-applicants. In contrast, the majority of non-applicants finance their operations primarily through retained earnings rather than relying on credit in the near term.
Wells Fargo faced a major scandal in 2016 when it was revealed that employees had opened millions of fake bank accounts without customers' consent. The bank was fined $185 million and an investigation found pressure from sales goals had led to the fraudulent accounts. Over time, the scandal grew as more details emerged, criminal investigations were launched, and the CEO was fired. The bank worked to restore trust by ending sales goals, improving oversight, and focusing on customer service.
Mortgage Professionals Create A Referral BrushfireKwikDebtPayoff
The document promotes the Money Merge Account, a web-based software and coaching program that helps families pay off debts like mortgages and student loans faster using the same monthly payments. It describes how mortgage professionals can benefit by offering this program to clients to save them interest, refer clients to the program, and earn commissions. Professionals are encouraged to contact an agent to learn how to become an agent and start earning additional income by recruiting other agents and receiving overrides from their sales.
Strategies to make a direct impact on auto loan growthKurt Schmidt
Three credit unions achieved strong loan growth without indirect lending by focusing on direct member relationships. Western Heritage CU grew loans 24.79% by empowering loan officers, Ferguson FCU grew 42.05% after expanding its field of membership, and California CU grew 24.16% through consistent sales management and goals. Their common strategies included investing in sales staff, empowering frontline staff to make decisions, focusing on core strengths over campaigns, and monitoring loan quality.
Lendinero is a company you can trust. Lendinero helps small businesses access capital by providing a low friction process. We have prepared this packet for new customers to assure that we can gain your vote of confidence when obtaining a business loan. Literally, all of our clients have increased return on investment by utilizing our funding channels. When selecting a business loan, Lendinero is your number one choice.
The document discusses the state of Americans' personal and financial affairs, noting that:
- Over 43 million people have credit scores below 599
- Nearly half of Americans don't know their credit score
- Average debt is over $225,000 while many have less than $500 in savings
- 49% have no retirement savings and only 18% feel on track for retirement
- 65% have no will, 82% have no trust, and 71% have no power of attorney
- Over $58 billion in unclaimed assets exist
It argues the primary reason for these issues is a lack of financial education. The company described provides financial education services and career opportunities to address this problem.
Small business loan options for native american owned businessesMerchant Advisors
Native American business are facing unique financial challenges. We can help minority businesses to grow with a range of small business loan options. https://www.onlinecheck.com/blog/business-loans/small-business-loan-options-for-native-american-businesses/
Wells Fargo was fined $185 million in 2016 for opening 2 million unauthorized customer accounts without consent. The scandal led to the firing of 5,300 employees. An investigation found Wells Fargo had an aggressive sales culture with unrealistic quotas that incentivized employees to open fake accounts to meet targets. The fraudulent activity damaged customers' credit scores and caused overdraft fees on unauthorized accounts totaling over $500 million in losses. The scandal highlighted the need for stronger internal controls at banks to prevent such conduct.
The document summarizes the growth of TrustToken and its stablecoin TrueUSD from January 2018 to present. In January 2018, TrustToken had a 5 person team, no TrueUSD in circulation, and $0 in monthly volume. As of today, it has a 32 person team with $31M in funding, over $230M of TrueUSD in circulation, and $3B in monthly volume. The document then provides explanations and examples of how stablecoins can improve upon traditional payment methods by offering faster settlement, lower costs, and greater accessibility worldwide. Potential future applications discussed include cryptocurrency market onramps/offramps, international remittances, foreign exchange, and more use cases emerging daily.
This document summarizes FinXpert.ca, a platform that connects individuals facing financial hardship with various financial experts and services. It provides a one-stop solution for issues like debt management, credit counseling, bankruptcy, and more. The platform uses a dynamic questionnaire to assess users' financial situations and match them with suitable experts. Experts in the network pay per qualified lead generated. The document outlines FinXpert.ca's value proposition, operations, marketing strategy, target customers, and financial projections. It aims to simplify the process of exploring debt solutions and connecting people with help from trusted organizations.
This document summarizes an opportunity to join a program using a metal debit card called the ZBlackCard. It outlines several benefits of the card including rewards, discounts, and the ability to build credit. It also describes different membership plans costing $20-$70 per month that provide additional perks and the ability to earn residual income by referring other members. Higher priced upgrades like the $200 Elite upgrade and $200 tradeline reporting are presented as ways to build a more secure and profitable business. The overall message is that by joining the program and referring others, individuals can earn rewards, drive their dream car for $50 per month through an auto bonus program, and generate thousands of dollars in residual income through membership growth.
The document describes Kindly Fund, an online social network that provides microfinancing solutions to help entrepreneurs in Asia and the Pacific. It operates with the mission of empowering people through online networking and affordable financial services with 100% transparency. Key offerings include entrepreneur loans, donations, community fundraising, and scholarships. The summaries provide an overview of the organization's mission and services.
Hi,
I am Biju Viswakarma. I have 7- 8 years of professional experience in working for different production house and Media Companies. I am an Artist and creative designer. Through these extensive experiences have a strong knowledge and insight into the creative processes, often undertaking projects from conceptual ideas & seeing them through until ultimate completion & realization of the clients brief. i am looking for a position on an International level. I am determined, focused & I believe in my Hardworking abilities which are very strong & I am sure if I'm given the opportunity to work, i can learn more and can produce much result.
Regards...
Biju Viswakarma
Visualizer/Art Director
Mobile: 09739838331 (WhatsApp)
E-mail: bijuviswakarma@gmail.com
Website: www.bijuviswakarma.weebly.com
Channel: www.youtube.com/c/BijuViswakarma
FB: www.facebook.com/viswakarmacreation
This slide deck examines new product releases from credit card carriers in our Credit Card Monitor coverage group. Inside, we provide an overview of the new credit cards introduced on the firms’ websites over the course of 2015 and highlight their key features.
Small business funding vs. small business grants how to chooseMerchant Advisors
Here is a complete guide to help you decide small business grants vs small business funding and how to choose them for your business. For more information. visit at https://www.onlinecheck.com/blog/business-loans/small-business-loans-vs-business-grants/
This document is the March 2014 issue of the newsletter "ForwardInsight for Today's Financial Professional" published by Signator Investors. It includes the following key points:
- It congratulates the 2013 award winners and discusses top performers.
- It covers topics like how female advisors and clients are changing the industry, tips for acquiring female clients, and protecting client data.
- The letter from the president discusses the need for the company to continue adapting to changes in regulations, technologies, and client needs.
CauseCard offers a powerful customer loyalty and marketing program that helps businesses accomplish several key goals better than other solutions. It automatically builds a customer database as customers activate reward cards online or in-store without paper forms. It rewards customer spending with cash back that can only be used at the business. It also supports local non-profits with each transaction through cause marketing. Preliminary merchant feedback found most support local causes but lack easy loyalty programs, and no merchants used daily deals sites due to complexity and lack of value.
This document provides a summary of the Wells Fargo fake accounts scandal that occurred from 2011-2015. Over 5,300 Wells Fargo employees opened over 2 million checking and credit card accounts without customers' consent in order to meet unrealistic sales goals. This illegal activity resulted in Wells Fargo paying $185 million in fines by the CFPB and OCC. The scandal damaged Wells Fargo's reputation and led to the firing of its CEO and over 5,000 employees who were involved. The document examines how Wells Fargo's overemphasis on sales goals and lack of oversight and controls over employees contributed to the development of a corrupt corporate culture.
10 best business loans options for people with disabilitiesMerchant Advisors
Finding business loan options can be challenging especially if you have a disability. Here is a list of 10 best business loans for people with disabilities. For more information, visit at https://www.onlinecheck.com/blog/business-loans/business-loans-for-people-with-disabilities/
The document discusses various topics related to managing personal finances and debt as a student. It provides tips for creating a budget, understanding credit reports and credit scores, managing credit card debt, and seeking help for debt problems. Key recommendations include paying more than the minimum on credit cards, focusing on highest interest debt first, and developing a budget to avoid living beyond one's means. Resources for debt help and credit counseling are also listed.
Small Business Credit Survey, May 2013 Key FindingsThe New York Fed
As part of its regional and community outreach, the New York Fed asks small businesses in our region about their credit needs and experiences. In the May 2013 survey, we heard from 812 small businesses in New York, New Jersey, and Connecticut. Most business owners we polled cite access to capital as a top growth concern, but only a third of firms actually report applying for credit in 2012. Credit applicants were mostly experienced and higher performing small businesses and more of them received full funding than in past surveys. Among the non-applicants, fewer firms self-identified as being discouraged or not applying because they anticipated being declined. Looking to future credit use, there are clear distinctions between applicants and non-applicants. A majority of firms that are planning to apply for credit in the next two quarters of 2013 will be re-applicants. In contrast, the majority of non-applicants finance their operations primarily through retained earnings rather than relying on credit in the near term.
Wells Fargo faced a major scandal in 2016 when it was revealed that employees had opened millions of fake bank accounts without customers' consent. The bank was fined $185 million and an investigation found pressure from sales goals had led to the fraudulent accounts. Over time, the scandal grew as more details emerged, criminal investigations were launched, and the CEO was fired. The bank worked to restore trust by ending sales goals, improving oversight, and focusing on customer service.
Mortgage Professionals Create A Referral BrushfireKwikDebtPayoff
The document promotes the Money Merge Account, a web-based software and coaching program that helps families pay off debts like mortgages and student loans faster using the same monthly payments. It describes how mortgage professionals can benefit by offering this program to clients to save them interest, refer clients to the program, and earn commissions. Professionals are encouraged to contact an agent to learn how to become an agent and start earning additional income by recruiting other agents and receiving overrides from their sales.
Strategies to make a direct impact on auto loan growthKurt Schmidt
Three credit unions achieved strong loan growth without indirect lending by focusing on direct member relationships. Western Heritage CU grew loans 24.79% by empowering loan officers, Ferguson FCU grew 42.05% after expanding its field of membership, and California CU grew 24.16% through consistent sales management and goals. Their common strategies included investing in sales staff, empowering frontline staff to make decisions, focusing on core strengths over campaigns, and monitoring loan quality.
Lendinero is a company you can trust. Lendinero helps small businesses access capital by providing a low friction process. We have prepared this packet for new customers to assure that we can gain your vote of confidence when obtaining a business loan. Literally, all of our clients have increased return on investment by utilizing our funding channels. When selecting a business loan, Lendinero is your number one choice.
The document discusses the state of Americans' personal and financial affairs, noting that:
- Over 43 million people have credit scores below 599
- Nearly half of Americans don't know their credit score
- Average debt is over $225,000 while many have less than $500 in savings
- 49% have no retirement savings and only 18% feel on track for retirement
- 65% have no will, 82% have no trust, and 71% have no power of attorney
- Over $58 billion in unclaimed assets exist
It argues the primary reason for these issues is a lack of financial education. The company described provides financial education services and career opportunities to address this problem.
Small business loan options for native american owned businessesMerchant Advisors
Native American business are facing unique financial challenges. We can help minority businesses to grow with a range of small business loan options. https://www.onlinecheck.com/blog/business-loans/small-business-loan-options-for-native-american-businesses/
Wells Fargo was fined $185 million in 2016 for opening 2 million unauthorized customer accounts without consent. The scandal led to the firing of 5,300 employees. An investigation found Wells Fargo had an aggressive sales culture with unrealistic quotas that incentivized employees to open fake accounts to meet targets. The fraudulent activity damaged customers' credit scores and caused overdraft fees on unauthorized accounts totaling over $500 million in losses. The scandal highlighted the need for stronger internal controls at banks to prevent such conduct.
The document summarizes the growth of TrustToken and its stablecoin TrueUSD from January 2018 to present. In January 2018, TrustToken had a 5 person team, no TrueUSD in circulation, and $0 in monthly volume. As of today, it has a 32 person team with $31M in funding, over $230M of TrueUSD in circulation, and $3B in monthly volume. The document then provides explanations and examples of how stablecoins can improve upon traditional payment methods by offering faster settlement, lower costs, and greater accessibility worldwide. Potential future applications discussed include cryptocurrency market onramps/offramps, international remittances, foreign exchange, and more use cases emerging daily.
This document summarizes FinXpert.ca, a platform that connects individuals facing financial hardship with various financial experts and services. It provides a one-stop solution for issues like debt management, credit counseling, bankruptcy, and more. The platform uses a dynamic questionnaire to assess users' financial situations and match them with suitable experts. Experts in the network pay per qualified lead generated. The document outlines FinXpert.ca's value proposition, operations, marketing strategy, target customers, and financial projections. It aims to simplify the process of exploring debt solutions and connecting people with help from trusted organizations.
This document summarizes an opportunity to join a program using a metal debit card called the ZBlackCard. It outlines several benefits of the card including rewards, discounts, and the ability to build credit. It also describes different membership plans costing $20-$70 per month that provide additional perks and the ability to earn residual income by referring other members. Higher priced upgrades like the $200 Elite upgrade and $200 tradeline reporting are presented as ways to build a more secure and profitable business. The overall message is that by joining the program and referring others, individuals can earn rewards, drive their dream car for $50 per month through an auto bonus program, and generate thousands of dollars in residual income through membership growth.
The document describes Kindly Fund, an online social network that provides microfinancing solutions to help entrepreneurs in Asia and the Pacific. It operates with the mission of empowering people through online networking and affordable financial services with 100% transparency. Key offerings include entrepreneur loans, donations, community fundraising, and scholarships. The summaries provide an overview of the organization's mission and services.
Hi,
I am Biju Viswakarma. I have 7- 8 years of professional experience in working for different production house and Media Companies. I am an Artist and creative designer. Through these extensive experiences have a strong knowledge and insight into the creative processes, often undertaking projects from conceptual ideas & seeing them through until ultimate completion & realization of the clients brief. i am looking for a position on an International level. I am determined, focused & I believe in my Hardworking abilities which are very strong & I am sure if I'm given the opportunity to work, i can learn more and can produce much result.
Regards...
Biju Viswakarma
Visualizer/Art Director
Mobile: 09739838331 (WhatsApp)
E-mail: bijuviswakarma@gmail.com
Website: www.bijuviswakarma.weebly.com
Channel: www.youtube.com/c/BijuViswakarma
FB: www.facebook.com/viswakarmacreation
This document discusses housing and dwellings from various perspectives, including those of owners, renters, designers, planners, and more. It explores the bond between people and their houses, and how houses account for huge aspects of human activities and world conditions. It encourages readers to think about managing their housing situation and how housing manages us. It promotes considering housing in a holistic sense beyond just architecture.
Judy Neinstein, a 69-year-old grandmother, has embraced various social media platforms like Twitter, Facebook, and Tumblr. She maintains active accounts and a personal website to share her daily life. Although older than most social media users, she enjoys connecting with family and has become comfortable with the technology. Her involvement shows that seniors are increasingly adopting social media, with 59% using sites daily according to recent research.
El documento describe un hecho histórico inédito que ocurrió el 2 de agosto de 2006 cuando por primera vez un árbitro de fútbol, Horacio Elizondo, ingresó a la Casa Rosada. A partir de este suceso, el autor intenta analizar la relación entre el fútbol, el arbitraje y la política en Argentina. También menciona algunos eventos políticos y deportivos posteriores como las elecciones de 2008 y el Mundial de 2010 que afectaron al gobierno de Cristina Fernández.
3C Global Solutions is recruiting call centers to conduct outbound sales campaigns for credit card merchant account services. Call centers will be paid $75 per completed sale. 3C Global Solutions will provide training, scripts, reporting templates, and ongoing coaching support. Call centers must have 10+ agents, dialing and VOIP capabilities, and B2B sales experience is preferred for agents.
Cal Rec Sports WOW Showcase: click to view, provide feedback and shareB.A.S.
The document provides information on several accomplishments of Cal Recreational Sports over multiple years:
1) A new website was designed with usability in mind to help customers more easily find program information and purchase memberships.
2) Cal Adventures was recognized for its variety of outdoor programs, including rock climbing, backpacking, and kayaking trips.
3) Caltopia, an annual experiential lifestyle event hosted by Cal Rec Sports, celebrated its 10th anniversary and engaged over 30,000 students through social media and interactive brand experiences.
4) An associate director received an excellence in management award for her leadership and support of staff through a period of change.
Univision And Todobebe Release Revised[2 Cn]cynelson
Univision Radio and Todobebé will partner to bring popular family programming from Todobebé's "Viva La Familia" television show to radio. Short, daily radio segments providing parenting advice will air across Univision Radio stations nationwide starting in April. The segments will feature topics like tips for moms, children's activities, and holiday celebrations. The partnership will provide new sponsorship opportunities to connect brands with Spanish-speaking families.
Service Air Panas Telp +(021) 34082652– 082122541663 Kami Dari CV. Davinatama Service Menyediakan Jasa Perbaikan Pemanas Air SOLAHART SERVICE & PENJUALAN Pemanas air solar water heater tenaga matahari khususnya SOLAHART
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E. Penggantian Sparepart,Element,Termorstat,1/2 Valve, Cek Valve Dll.
F. Pemasangan Titik Air Panas/ Instalasi Pipa Air Panas
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BERKALA LAYANAN:
Untuk kesehatan dan kualitas air yang digunakan adalah terpelihara dengan baik, dan pemanas air panas memiliki umur 6 bulan lama. pemanas air wajib diservice / dikeringkan.
Kami Penyedia Jasa Service Pemanas Air.
Service Solahart Dengan pengecekan dan reparasi secara rutin, maka anda akan mendapatkan 97% energi panas secara gratis dari matahari.
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Harga bisa Nego dan Untuk Informasi Lebih lanjud bisa menghubungi No tlp yang tertera
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REPIC final report Vanj - CARITAS Tajikistan 2011 (René Edward Knupfer)Ren Knupfer
The document summarizes a CARITAS housing program in Vanj, Tajikistan that constructed 15 seismic resilient and energy efficient homes between 2010-2012. The program utilized two construction approaches - reinforced masonry and a ferroconcrete framework with brick infill. It provided on-the-job training to 80 local individuals to build the homes. The objectives were to provide housing for families affected by an earthquake and build local construction capacity.
Adagio accounting software is designed for mid-sized organizations looking for an alternative to entry-level software or complex, high-end solutions. It offers modular accounting functionality including general ledger, receivables, payables, inventory, and more. Adagio is well-suited for former ACCPAC Plus users, as it provides an easy transition between the DOS and Windows platforms without data conversion. Reviews praise Adagio's user-friendly design and powerful reporting capabilities.
June 2013 - The World Cup, the Olympics—and BeyondFGV Brazil
On June 12, 2014, when brazil officially welcomes the teams competing in the World Cup, the country will be through the first half of a tough game to coordinate public and private investments to ensure the success of the mega event in all its dimensions.
The Brazilian Economy is one of the oldest publications for expert economic analysis of both the Brazilian and international economies. Through this publication, FGV’s Brazilian Institute of Economics and Finance (FGV/IBRE) compares different periods of the economy, assessing both macroeconomic considerations and scenarios related to finance, administration, marketing, management, insurance, statistics, and price indices.
For more information, and Brazilian economic index results, visit: http://bit.ly/1EA1Loz
"So UX Designers Just Make Things Pretty, Right?" and Other Myths DebunkedKaitlan Chu
This document summarizes a presentation by Kaitlan Chu on the topic of whether user experience (UX) designers just make things pretty. The presentation defines UX, distinguishes it from visual design, and provides examples of how UX research leads to actionable results that improve user experiences and challenge assumptions. It discusses how UX follows an iterative design process involving usability testing and how the number of clicks or tendency to scroll are poor metrics for measuring user experience. The presentation argues that the ultimate goal is a natural user interface that is interface-less.
The document provides an overview of the beaverboard manufacturing industry in China. It finds that the major distribution areas for the industry are Guangxi, Jiangsu, and Guangdong, while the secondary distribution areas include Zhejiang, Shandong, Jiangxi, Sichuan, Hubei, Fujian, and Anhui. The report analyzes industry data and statistics to evaluate regional distributions and compares operating conditions of different types of enterprises.
The company aims to help consumers dispute inaccurate credit report information and improve their credit scores. They offer an educational credit monitoring service called UltraScore that analyzes credit reports and provides guidance on improving credit. The service disputes questionable items over multiple cycles by preparing customized dispute letters for the major credit bureaus on the consumer's behalf. Customers can track progress online and receive support from representatives. Maintaining good credit is important for obtaining loans and credit cards at reasonable rates.
United Credit Education Services provides credit education and dispute services to help consumers improve inaccurate credit reports. They work to dispute errors on credit reports with the three major credit bureaus and provide ongoing support through multiple dispute cycles. Their goal is to help consumers obtain accurate credit reports and qualify for lower interest rates by establishing and maintaining good credit.
A Very informative and detailed explanation of what your credit rights are, what your credit score means, and United Credit Education Services Company overview and procedures.
Liberty Savings Federal Credit Union is offering a debt consolidation loan with competitive rates and an extra 2% APR discount if closed by March 31st. Taking out a consolidation loan from Liberty Savings can simplify bill payments by consolidating multiple debts into one lower monthly payment, potentially reducing interest costs. Liberty Savings representatives are available to provide credit counseling and help members understand their credit reports to improve their financial situation.
This document provides information about a company that offers various financial services including credit restoration, financial education, and business training opportunities. It details the company's history and credentials. It then explains the services it provides, including credit restoration, credit reports, credit scores, and the differences between credit repair and restoration. The document outlines membership plans, online tools and resources for customers. Finally, it describes partnership opportunities for becoming an agent or full partner and earning commissions from sales and a business network.
United Credit Education Services provides credit repair services to help consumers dispute inaccurate or outdated information on their credit reports from the three major credit bureaus. Their goal is to help clients improve their credit profiles and financial independence. They utilize the Fair Credit Reporting Act and dispute processes to challenge errors and remove negative items from credit reports through multiple dispute cycles over several months.
VR-Tech Home Based Business Opportunity, VR-Tech Marketing Group Credit Restoration Services, VR-Tech Marketing Group Prepaid Account now Master Card, VR-Tech Marketing Group Auto Loans, VR-Tech Marketing Group My Care Plan and VR-Tech Marketing Group Ultra Score
This document provides an overview of credit scoring and its importance. It discusses the five factors that determine a credit score, including payment history, credit utilization, credit history length, credit mix, and number of inquiries. A low credit score can significantly increase interest rates on loans like mortgages, costing borrowers thousands over the life of the loan. It also outlines tips for improving credit scores, such as paying bills on time, keeping credit utilization low, and maintaining a mix of different credit types. The document emphasizes the importance of not making changes to credit reports or applying for new credit during the loan application process.
United Credit Education Services provides credit repair services to help consumers dispute inaccurate or outdated information on their credit reports. They have over 25 years of experience successfully disputing credit report errors for hundreds of thousands of clients. Their goal is to help clients improve their credit profiles and purchasing power. The Fair Credit Reporting Act regulates credit reporting agencies and promotes accurate information on credit reports. The three major credit reporting agencies, Experian, Equifax, and TransUnion, collect and sell consumer credit history data to lenders. Nearly 80% of credit reports contain errors serious enough to potentially affect credit scores and loan approvals. United Credit Education Services uses an automated process to dispute inaccurate items on clients' credit reports over multiple cycles to help improve their credit profiles
Bank Freedom offers five different prepaid card programs including MasterCard and VISA options. Their payroll MasterCard addresses issues that under-banked employees face, saving them check cashing fees and employers money handling checks. Over 4,200 companies use their payroll cards. Bank Freedom also offers business expense MasterCards that are corporate funded and managed for employee purchases. Interested parties can contact them by phone, email, or website to get started.
The document promotes offering credit union membership as an employee benefit. It summarizes the services and benefits provided by American Partners Federal Credit Union (APFCU), such as savings accounts, loans, online banking. APFCU asks to periodically visit employers to inform employees of the benefit and provides a standard consent form. The credit union is member-owned and returns profits to members through lower rates and fees.
Credit unions are facing challenges as members can now complete many transactions remotely without face-to-face contact. The Automatic Relationship Builder is a tool that helps credit unions deepen relationships with members through targeted emails. It sends customized messages to members based on their actions and needs. Surveys show members want to receive informational and promotional emails from their credit union. The ARB has helped one credit union generate $1.4 million in new loans through an email campaign.
First American Bank introduces their Health Savings Accounts (HSA) as an innovative way for companies to combat rising healthcare costs through High Deductible Health Plans combined with HSAs. They provide a competitive HSA product and are interested in developing relationships to offer accounts to employees. Key benefits of HSAs include tax deductible contributions, tax-free withdrawals for medical expenses, and funds that can be saved and carried over year to year. The document outlines the enrollment process, funding options, and contact information for First American Bank's HSA department.
We are a local credit restoration company that helps clients improve their credit to qualify for loans and achieve peace of mind. We have a professional business with excellent customer service, unlike other companies clients have used. Our purpose is ethical and legal credit restoration through clear communication and guaranteed results.
1) StretchPay is an alternative loan program to payday loans offered through credit unions. It provides short-term lines of credit up to $250 or $500 with affordable repayment terms and fees.
2) It began as a pilot program through 11 credit unions in Ohio to test offering small dollar loans. Over 35 credit unions nationwide are now considering participating.
3) Credit unions can join through a CUSO which reimburses 90% of credit losses, allowing them to offer the loans without taking on significant risk. The CUSO manages the program and risk sharing nationally.
This document provides instructions for setting up online giving through the Mid-Cities Community Church website. It explains that online giving allows donors to make one-time or recurring donations and view their giving history. It also details that the site uses 128-bit encryption for secure donations. Donors can also give through their bank's online bill pay service by designating Mid-Cities Community Church as the payee. The document then provides a step-by-step guide to setting up a recurring donation through the church's online giving portal, including selecting a donation amount and frequency, entering payment details, and submitting the donation.
This document provides information about financial services offered by Global Opportunities Network, including credit restoration, financial education, and business building training. It details the company's credit restoration and credit building services, which aim to improve credit scores and financial wellness. The document also outlines the company's multi-level marketing business opportunity, describing the compensation plan including direct commissions, bonuses, and potential for residual income and leadership positions.
The document discusses the Money Merge Account program, which is a financial system that helps users pay off debts faster by strategically paying down balances to minimize interest costs. It provides three key benefits: helps users pay off debts, save for retirement, and stay focused on financial goals. The system uses mathematical algorithms to determine the optimal way to leverage funds across different accounts and debts to eliminate interest. It analyzes a user's specific debt situation and payment history to recommend a personalized strategic payoff plan.
Welcome to the Global launch of the "World's First Smart Card" Please message me with your thoughts and level of interest. R Network the Fintech Company of the Future
Maria Del Amo and Steve Miller presented in a webinar sponsored by NAFCU Services new strategies to onboard new members. We took a look at current trends in the creidt union space and offer insight on how to maximize Credit Union's communications efforts to attract, retain and grow their membership.
Similar to deposit & loan strategies featuring service first (20)
1. fax (866)680-5866 • www.siefer.com • e-mail info@siefer.comPO Box 1384 • Storm Lake, IA 50588 • (712)660-1026
opLine Federal Credit Union
($325 million, Maple Grove,
Minnesota) has a“New Account Capture
and Referral”program that’s generated
an increase in accounts of over 150
percent since its launch two years ago.
Vicki Roscoe Erickson, Assistant Vice
President, Marketing, says the credit
union introduced the program as a way
to attract new business, reward current
members for using additional products
and services with TopLine, as well as
provide a way for employees to increase
cross-sell opportunities.
Erickson says the program consists of
the following two components:
1) Consumers and/or current members
can earn a $50 VISA® Gift Card when
they open up a checking account with
TopLine.
2) For each referral that a member
makes, he or she will receive a $50 VISA®
Gift Card once the new checking account
is established.
($50 VISA®
Gift Card Offer)...pg. 2)
T
A Minnesota CU’s $50 checking rewards
program is attracting new business, plus
encouraging employee cross sales
nNew checking account openings have more than doubled
n Auto Loans
A South Dakota CU just boosted
auto loans with an offer that
slashed 1% off of the interest
rate for refinances, plus gave
borrowers a spin on a “Cash
Wheel” to win up to $100. After
two weeks, the CU had brought
in nearly $1 million in loans.....4
n Business Services
This year, a Virginia bank is
running its third “Top Flight”
Award contest, which will give
three local businesses prize
packages totalling $75,000. The
popular program is one of a kind
in the bank’s area and is helping
recognize small business growth
and job creation....................6
n Debit Cards
During all of 2013, a Missouri
credit union is offering free
personalized debit cards. The
campaign is generating a
tremendous response—already
producing double the number of
cards done in 2012................8
n Referral Promotions
A North Carolina CU recently
opened its employee and coworker
exclusive referral program to its
membership and attracted 70
referrals in 45 days..............10
HIGHLIGHTS
March 2013
Vol. 19, No. 10
For Financial Institutions
Deposit & Loan
Growth Strategies
Delivering TopLine personal service people can bank on.
Tired of being nickeled
and dimed?
Open a TopLine Totally FREE Checking
Account and get a $50 VISA Gift Card.
Scan here with any mobile device
for more checking details.
Source: TopLine Federal Credit Union (Maple Grove, MN)
Postcard for “Totally Free Checking” & Gift Card Offer (Side 1)
www.toplinecu.com
3. Deposit & Loan Growth Strategies
March 2013 page 3
CHECKING ACCOUNT CAMPAIGNS
With the rollout of the program, the
credit union held branch contests and
employees were rewarded with gift
cards based on the goals that were
established, says Erickson.
“As of 2012, all of our branches were
assigned specific checking goals and are
paid incentives based on reaching their
goals, so the $50 rewards program helps
to assist in their sales efforts.
“We train our branches on an annual
basis, and ad-hoc as needed, to remind
of the benefits of this program.”
She says that the feedback about the
program from employees is continuously
positive.
Source: TopLine Federal Credit Union (Maple Grove, MN)
Direct Mailer Promoting “Sum-It-Up Savings” & Gift Card Offer
Time for change?
InTroducIng Sum-IT-up SavIngS™
Open a TopLine Checking Account and
save the change every time you use your
TopLine Smart Rewards Check Card!
pLuS: receive a free $50 vISa®
gift card*
when you open a TopLine Checking Account.
It’s where I bank.®
www.TopLinecu.com | ask@TopLinecu.com | 763-391-9494
SCAN HERE
“Our goal is to make sure this
program is attracting new
business that we wouldn’t
normally receive—and we
monitor it on a monthly basis.”
“It allows them to more easily make
the sale.”
To promote the $50 VISA® Gift Card
program, the credit union uses multi-
channel marketing.
Examples include direct mail, e-mail,
the credit union’s Website, in-branch
lobby merchandising, statement
messaging, local ads with chambers,
local financial literacy efforts that the
credit union presents at, as well as
referral cards in the lobbies that staff
hand out.
“Multi-channel, integrated marketing
strategies are used to highly target
members and communities to increase
product and member growth, enhance
share of wallet, improve retention and
referral activity, continue to build loyalty,
and generate a higher level of brand
awareness,”says Erickson.
“Of course, we also heavily rely on our
branch staff to use the $50 incentive as
a way to help consumers make the
switch.”
Plus, the credit union is using QR
codes to help bridge its print and
electronic marketing.
CU will monitor the rewards program
monthly
Erickson says that the credit union
plans to continue offering the program
and incentive indefinitely.
“Our goal is to make sure this program
is attracting new business that we
wouldn’t normally receive—and we
monitor it on a monthly basis.”
Source: Vicki Roscoe Erickson, Assistant
Vice President, Marketing, TopLine Federal
Credit Union, Maple Grove, MN;
phone (763)391-0872;
e-mail verickson@toplinecu.com.
4. Deposit & Loan Growth Strategies
March 2013 page 4
AUTO LOANS
A “Slash 1% Off” campaign that also
features a Cash Wheel has generated
nearly $1 million in loans in two weeks
nCU’s loans have more than doubled over the same time last year
ervice First Federal Credit Union
($119 million, Sioux Falls, South
Dakota) recently wrapped up a unique
marketing campaign to increase auto
loans.
The promotion consisted of a“Slash
1% Off”offer that gave members who
transferred a vehicle loan from another
lender 1 percent off of their current
interest rate.
The kicker, however, is that the
new borrower got one spin on the
credit union’s new“Cash Wheel,”which
guaranteed them the opportunity to win
$20, $50, or $100.
Members could also qualify for one
spin of the Cash Wheel during the
campaign for any vehicle or recreational
loan of $3,500 or more that was new to
Service First and not a refinance from
another lender.
Campaign designed to boost loans
during a sluggish time of year
“Since February is typically a slower
month for us, we wanted to try a new
type of promotion to help boost loan
volume for the month,”says Jake Hill,
Marketing Director. “We’ve never done
a rate reduction offer before, so we
thought we should give it a try.
“For current members who have a
loan elsewhere due to a low interest rate,
this promotion is a great opportunity
for them to refinance with us and finally
have all of their loans at one financial
institution.”
According to Hill, Service First has had
great success with offering incentive
promotions for auto loans. “First, we
gave out a free GPS with any vehicle loan
of $7,500 or more. Then, we switched to
giving out a $100 VISA® Gift Card.”
He says that another campaign offered
2 percent or 1 percent cash back for
vehicle loans.
S
(Continued on pg. 5)
Banner Ad for Credit Union’s “Slash 1% Off Your Current Interest Rate” Campaign
Source: Service First Federal Credit Union (Sioux Falls, SD)
“All of these promotions did a great
job at boosting our auto loan volume—
but at a cost,”says Hill. “The incentives
added up to thousands in added
expense, and since we do not charge an
origination fee on our auto loans, our
only hope for recouping the expense
was interest income on the loan—if the
member kept the loan long enough.”
So, instead of offering a set dollar
amount incentive, the credit union
decided to try out the Cash Wheel.
Hill says that all of the credit union’s
five branches had a wheel set up in their
lobbies, and each wheel had the following
12 slots: Eight $20 slots; Three $50 slots;
One $100 slot.
When a member finalized an auto
loan, the loan officer walked them over
to the Cash Wheel and the member gave
it a spin, says Hill.
He says that each time the Cash Wheel
was spun, it created excitement among
staff and members. “The wheels have a
loud click-clack sound when they spin,
drawing attention from everyone in the
lobby. When a member lands on either
$50 or $100, the entire lobby usually
cheers and claps. This helps generate
a lot of interest in the promotion. Plus,
more often than not, the wheel lands on
$20, which helps keep our expenses low.”
www.servicefirstfcu.org
6. Deposit & Loan Growth Strategies
March 2013 page 6
BUSINESS SERVICES
A Virginia bank has a “Top Flight” Award
program that recognizes local small
business growth and job creation
nBank is striving to be “the best business bank in its area”
onarch Bank ($1.2 billion,
Chesapeake, Virginia) is
showcasing its commitment to local
businesses with a“Top Flight”Award
contest, which is in its third year running.
The 2013 contest gives three local
businesses the chance to win prize
packages (with a combined total of
$75,000) of cash and services based on
factors like their consecutive growth and
community service.
To apply, businesses fill out an entry
form and submit it to the bank via e-mail
or fax. After a panel of judges select the
top three businesses, the community
is then invited to select their favorites,
with the $50,000 top prize going to the
winner, while the $15,000 and $10,000
prizes are awarded to the second and
third place winners.
“Our idea for the‘Top Flight’Award
began three years ago, as the economy
was in very bad shape, job creation
had turned to job elimination, and
unemployment was close to 10 percent
nationally,”explains Nancy Porter, Senior
Vice President Marketing & Sales. “We
all heard at the time that small business
was going to be the main driver of job
creation.”
In light of this, she says bank officers
asked themselves the following questions:
1) What could Monarch Bank do to
promote small business growth and
job creation? 2) What advice could it
provide to the community to improve
the local economy? 3) What bank was
willing to put its money where its mouth
was?
Porter says the bank has built an award
that“comes with more than a plaque.”
“The Top Flight Award delivers
recognition, plus cash and business
professional services in accounting
and tax advice, advertising support,
technology delivery, and ethics and
business practices.”
She adds that with many banks pulling
back on their marketing, the bank
invested in a three-year campaign that’s
beneficial in terms of both branding and
philanthropy.
Here is a more detailed look at what the
2013 contest winners will receive:
n The $50,000 winner will get
$10,000 in cash from Monarch Bank; a
professional business service package
valued at $10,000 from the accounting,
tax, and advisory firm of Cherry, Bekaert
& Holland, L.L.P.; a professional business
package valued at $10,000 from Cox
Business Communications; an advertising
package, including the creation of a
30-second commercial and cable airtime,
valued at $10,000 from Cox Cable Media;
and an advertising contract with Pilot
Media valued at $10,000.
n The $15,000 winner will receive
$5,000 in cash from Monarch Bank; a
$5,000 accounting, tax, and advisory
package from Cherry, Bekaert & Holland,
L.L.P.; and a $5,000 advertising package
from Cox Cable Media.
n The $10,000 winner will receive an
advertising cable airtime package valued
at $5,000 from Cox Cable Media and an
advertising contract with Pilot Media
valued at $5,000.
“We assembled the prize package with
cash and business services of $10,000,
each along with marketing support,
M
so the winning business had all of the
right tools to promote growth in their
marketplace for products, or to even
attract top talent,”says Porter.
She says that every business needs the
expert advice of a good attorney, a good
accountant, and a good banker. “If you
add in the technology and marketing
component, we have all of the bases
covered today to drive business growth.”
Every entrant’s company logo will also
be featured in a 2013“Entry-thank you”
media advertising campaign, which will
include channels such as newspaper
ads, along with the bank’s newsletter,
Website, and social media pages.
She says that Monarch has selected
its partners for the program based on its
business vendor relationships.
Companies interested in applying
for the Top Flight Award must be
headquartered in Hampton Roads;
have reported gross revenue of at least
$500,000 in 2011; have been founded
prior to the fiscal year 2010; list the
number of full-time staff employed over
each of the past three years and are in
good standing with the Virginia State
Corporation Commission; and properly
licensed to do business in Virginia and
Hampton Roads.
Completed entry forms had to be
received by February 20th
. The three
semifinalists will be chosen during early
March, and then the community will
vote for their favorite semifinalist March
17th
through April 31st
through a text-to-
vote and online poll survey. The three
final winners will be announced in May.
Porter says one big way the bank
is benefitting from offering the Top
Flight Award is cementing that it’s the
best business bank in its area. “From
a business standpoint, our employees
and board members were excited they
could talk about the bank in a different
way—versus checking accounts, loans,
or investments. Another great aspect of
our campaign is that Monarch doubled
our business checking accounts in 18
months!”
www.monarchbank.com
(Continued on pg. 7)
7. Deposit & Loan Growth Strategies
March 2013 page 7
BUSINESS SERVICES
She says that Monarch’s committed
investment has allowed the contest prize
package to grow in the three years it’s
been offering the contest. For instance,
the prize went from $40,000 during the
first year, to $50,000 during the second
year, to $75,000 this year.
“It grew to $50,000 year two because
our local newspaper recognized the
value on Monarch’s campaign and
wanted to be a part of its success.
“Year three grew in order to give each
of the semifinalists a prize package,
because Monarch Bank simply felt all
three companies deserved to walk away
with a prize in hand. We get attached
emotionally to the businesses we work
with!”
Award Judging
According to Porter, the judging for the
award is based on the following criteria
(each accounting for 20 percent of the final
decision): Consecutive growth over the
past three years; consecutive growth
of full-time staff employed over the
past three years; a descriptive narrative
question on how the award package
will be implemented; and community
service.
“An independent panel of judges
drawn from our award sponsors and the
Hampton Roads Chamber of Commerce
evaluate and assess the application
essay entries,”she says. “Monarch Bank is
not part of the judging. Monarch Bank’s
Financial Analyst compiles the revenue
and employee growth. All financial
information is kept strictly confidential
within that department.”
The last 20 percent of the voting
comes from a“Community Vote”through
a text-to-vote and online poll survey that
determines the final winners.
“Only one survey text and poll entry
per individual mobile phone and e-mail
are counted,”says Porter.
“Year one, we received over 1,000
unique community votes and year two,
we more than doubled, receiving over
3,000 unique community votes.
“Overall, the award generated positive
buzz in our community—there are a lot
of great businesses doing great things,
and this was our way of celebrating that
and involving the community through
the online poll and text-to-vote portion
of our semifinalist judging.”
Porter reports that during the first
year of the award, the bank received 95
entries.
“By comparison, the Hampton Roads
Chamber of Commerce small business
awards had 31 entries, and a local
business publication’s main award
for professionals under the age of 40
attracted about 100; it’s in its 12th
year.”
During the second year of the award,
53 local businesses participated.
“Over the last two years, these
businesses collectively redefined a down
economy, growing operating revenue
$144 million and adding 310 new jobs.”
Porter says Monarch hasn’t found a
similar business award in its area.
“While there are plenty of business
awards, we haven’t been able to
find anything quite like ours, where
a business could take advantage of
bottom-line expenses for free. We
also were excited that the award was
received so warmly.”
Source: Nancy Porter, Senior Vice
President Marketing & Sales, Monarch
Bank, Chesapeake, VA;
phone (757)389-5107;
e-mail nporter@monarchbank.com.
Source: Monarch Bank (Chesapeake, VA)
Ad for a Free Breakfast that Discussed 2013 “Top Flight” Award
Pleaseseeofficialrulespriortoenteringthecontest.Oddsofwinningdependonnumberofeligibleentriesreceived.One(1)winnerwilleachreceiveaprizepackagevaluedat$50,000;$15,000;or$10,000. MemberFDIC
Welovelocalbusinesses!
Joinusforbreakfast.
Monarch wants to help grow your business. Our free full-buffet breakfast will be held at the
Holiday Inn Hotel and Conference Center in Virginia Beach on Greenwich Road, starting
with registration and networking at 7:30 a.m. We’ll wrap our one-hour program by 9:30 a.m.
With panelists, including judges and partners, this is a great opportunity to educate yourself
and get advice to better your chances in this year’s contest. Plus, just for entering our $75,000
“Top Flight” Award contest your company logo will be
featured in our “Entry thank-you” advertising campaign!
Hurry! RSVP by email TopFlight@monarchbank.com.
Free Valentine’s Day breakfast on February 14th
8. Deposit & Loan Growth Strategies
March 2013 page 8
Personalized debit cards are taking off
at a Missouri credit union thanks to a
year-long offer to get the card for free
nCU has produced 4,000 cards since promotion launched
“When we saw the PictureDebit cards
we thought they were just plain cool. We
all wanted one and knew our members
would love them.”
Alfeldt adds that First Community’s
CEO Glenn Barks is also a big proponent
for the PictureDebit Card program. “He
knows members want to show off their
kids, pets, and hobbies.”
Members can personalize a debit card
in under three minutes on the credit
union’s Website.
For instance, they simply fill out their
name, phone number, e-mail address,
member number, and the last four digits
of their social security number. After
submitting this information, they can
then design their card.
“With a few clicks from our Website,
you can download your own picture and
make sure you like the look of it before
you submit the card for processing.”
F
www.firstcommunity.com
DEBIT CARDS
Source: First Community Credit Union (Chesterfield, MO)
Example of a Personalized Debit Card
irst Community Credit Union
($1.3 billion Chesterfield, Missouri)
is offering free personalized
“PictureDebit Cards”during 2013, and
the promotion has already generated
double the amount of personalized cards
that it did all of last year.
Members can upload a picture of their
own to feature on their debit card, or
they can choose from a variety of images
in the credit union’s photo gallery, which
includes 50 stock images, such as a
baseball or skyline.
Each member is entitled to one
PictureDebit Card for free. After that,
replacement cards cost $5 per card.
“Having their debit card with us is just
one more way to make members stick
with us,”says Laura Alfeldt, Vice President
of Marketing.
“And offering every member a free
card may be just what it takes to get
them to order that first card.
“Once they start getting asked about
their card when they use it for purchases,
they’re hooked!”
Alfeldt says the credit union was also
one of the first to offer instant-issue
debit cards.
“New members can open their
account and walk out the door with an
open, active debit card.”
She says that the credit union began
offering its PictureDebit Cards two years
ago.
“We have a huge card base—nearly
80,000 active cards and the average
monthly transaction volume per
member is high.
The card orders come to the credit
union’s main office and are produced
in-house.
Every submitted image is also
reviewed for compliance (a list of images
that will be excluded can be found here).
Last year, the credit union caught a
glimpse at the popularity of offering
members the PictureDebit Card free.
For example, Alfeldt says the credit
union gave members the chance to
personalize their debit card for free
during the month of February 2012 and
played off of a Valentine’s Day theme by
calling the campaign“A Sweetheart of a
Deal.”
“It was wildly successful,”says Alfeldt.
“We did 1,000 PictureDebit cards in
a month and our average the other
months had been around 50.”
She says that since introducing the
year-long promotion, the credit union
has already done 4,000 Picture Cards,
which is more than double what it did
last year.
Alfeldt says that staff member
involvement with talking to members
about the free PictureDebit Card
promotion has been high, largely
because they love the cards.
(Continued on pg. 9)
9. Deposit & Loan Growth Strategies
March 2013 page 9
DEBIT CARDS
Source: First Community Credit Union (Chesterfield, MO)
Example of a Personalized Debit Card
Marketing efforts to promote the free
personalized card offer have included
print ads in local publications, digital
signage in the branches, as well as
e-mails and statement inserts sent to
members.
“We often feature employee cards in
print ads, and people love to see their
own cards on our Website, e-mails, and
ads.”
Alfeldt notes that the credit union
has a solid checking program with no
maintenance fees for having the account
or the debit card.
“We also have a reward checking
account that pays interest as long as
certain requirements are met, which is
not a problem for most members who
use our debit card for their routine, daily
purchases.”
She adds that the credit union’s debit
card interchange increased 15 percent
from 2011 to 2012. “We were very
pleased with that!”
Source: Laura Alfeldt, Vice President of
Marketing, First Community Credit Union,
Chesterfield, MO; phone (636)537-4462;
e-mail lalfeldt@firstcommunity.com.
Ad for CU’s “Sweetheart of a Deal” Campaign
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checking 0.55% 0.56%
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10. Deposit & Loan Growth Strategies
March 2013 page 10
REFERRAL PROMOTIONS
A $10 cash incentive and the chance
to win a $50 gas card brought in
70 referrals in just 45 days
nA program once exclusive to employees & coworkers now open to members
ummit Credit Union ($134 million,
Greensboro, NC) ran a new referral
program last quarter and brought in 70
new referrals in less than two months.
The credit union’s“Send‘Em In &
Pocket $10”promotion rewarded
members who referred with a $10
savings account deposit.
Members could earn the $10 by giving
a referral card to someone who was not
a member and having him or her bring
it in to any of the credit union’s branches
to open an account. Plus, each referral
card that was turned in was entered
into a drawing and, if selected, both the
referring member and the new member
won a $50 gas card.
To be eligible, the new member had to
join Summit before the end of the two-
month promotional period. The gas card
winners had to also be members at the
time of the drawing.
Ashley Springs, Marketing Officer, says
that originally, the credit union had a
similar referral promotion in place for its
employees and coworkers.
“As a Select Employee Group based
credit union, we used the referral
program as a way to gain prospective
Business Partners,”she says.
She explains that the“Refer a
Coworker Promotion”offered a tiered-
based incentive, which ranged from $10
to $25 based on the services the person
opened or applied for when they were
referred to Summit.
“We generated great leads, but most
were from employers we currently
served.”
She says that after running the
promotion for several years, members
began to ask why they couldn’t refer
another member.
“We gained feedback from members
who wanted to refer others who weren’t
coworkers. They felt the referral program
was too limited.”
In response, Summit decided to
open the referral promotion to its
membership.
S
www.summitcu.org
“Because this promotion was opened
to all referrals, we wanted to simplify the
incentive to just $10 for new accounts.
Most people enjoy winning something
and with gas costs, we thought a $50
gas card would be fitting as an overall
incentive.”
Springs reports that after about 45
days into the Send‘Em In & Pocket $10
campaign, the credit union had already
received around 70 referrals.
The credit union was also seeing many
new members take advantage of its
Christmas Club Accounts, Checking, and
Auto Loans, says Springs.
She says that staff members identify
members’needs at account opening and
provide them with the product that will
best save them money and time.
“We have a great‘selling is telling’
philosophy. We also make sure that
our field staff is equipped with referral
slips to take to our Business Partners to
encourage our credit union cheerleaders
to refer their friends, family, and
coworkers.”
Members could also refer by filling
out an online referral form on the credit
union’s Website.
Spring says the credit union had
received about 10 online referral forms.
“This is great for our members who aren’t
located near a branch.”
Aside from its Website, the referral
offer was promoted within each branch
through fliers, posters, referral slips, and
video.
In addition, a 6-inch by 9-inch
postcard mailer was sent to a targeted
group of members.
“We did not have any specific
membership growth goals. However,
this year we did use a more targeted
approach with our direct marketing
mailer. We wanted to target our more
profitable members to encourage
referrals to the same type of potential
membership base.”
Source: Ashley Springs, Marketing Officer,
Greensboro, NC; phone (336)662-6200,
ext. 6258; e-mail ashleys@summitcu.org.
Insert for CU’s
New Referral Campaign
Send Us Your Family, Friends,
Coworkers... and Get $10
*Plus A Chance To Win FREE Gas!
Send‘Em In
& Pocket$10
* This card will be entered in a drawing and, if
selected, you and your referred new member will
both win a $50 gas card. The new member must
join before the end of the year. Gas card winners
must be a member at the time of the drawing.
Now through the end of the year, if you
refer someone who is not a member,
we’ll reward you with a deposit of $10
to your regular savings account.
It’s easy! Give this card to your referred
new member and have them bring it
to any of our branch locations to
open an account, and we’ll
make a $10 deposit to
your account.
Source: Summit Credit Union (Greensboro, NC)