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April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 2 -

Financial Supermarkets, Inc. would like to express our sincerest appreciation to each financial institution that submitted a promotional idea into this year’s Idea Exchange. Your hard work and creative ideas set the benchmark for in-store success.

Additional copies of the 2013 Idea Exchange Notebook can be obtained via The Smart Cart at www.supermarketbank.com following the conference.

Note: The ideas and PA’s submitted by member financial institutions are not necessarily endorsed by FSI. Please consult with your supervisor prior to preparing any promotion within your marketing plan.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 3 - TableTable ofof ContentsContents Anniversary Page Desert Schools Federal Credit Union Celebrating Our Totally Tubular Birthday 6

TS Bank Lucky Number 7 8 Credit Cards Citizens National Bank Build Your Credit With a CNB Credit Card 10 River City Federal Credit Union Fall Into Low Rates With RCFCU 12 Customer Service CommunityAmerica Credit Union The Doctor Is In 14 Oconee State Bank At OSB Providing Service for All Your Banking 16 Needs Is Our #1 GOAL! Employee Games & Contests Citizens National Bank Silly Bands 18 Collins Community Credit Union Candy BINGO! 20 Denali Alaskan Federal Credit Union Zoo Break 22 Desert Schools Federal Credit Union All About Me 24 Desert Schools Federal Credit Union Weekly Employee Kudos 26 Desert Schools Federal Credit Union Days of the Week 28 Enrichment Federal Credit Union Give a Dog a Bone 30 TS Bank M&M'S® 32 United Community Bank Spin to Win 34 Fundraising/Donations TS Bank Stand Up to Cancer 36 TS Bank TeePee the Micah House 38 TwinStar Credit Union Turkey Bowling 40 Home Equity Line of Credit Citizens National Bank Knead Dough? 42 Citizens National Bank Dreams Can Come True With a Home Equity Loan 44 from CNB Desert Schools Federal Credit Union Is Your House Creeping You Out? 46 Desert Schools Federal Credit Union Put Your Home Equity To Work For You 48

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 4 - TableTable ofof ContentsContents Investment Accounts/ Page Retirement Desert Schools Federal Credit Union Don't Let Your Holidays Become a Shocking Event 50

Desert Schools Federal Credit Union Moove It Over to Desert Schools 52 Desert Schools Federal Credit Union Retirement…It's Okay to Ask for Directions 54 Desert Schools Federal Credit Union Retire With Confidence! We Can Help! 56 Desert Schools Federal Credit Union It's Okay to Ask for Directions! 58 Loans Community 1st Credit Union 90 Day No Pay 60

Denali Alaskan Federal Credit Union Golden Days 62 Denali Alaskan Federal Credit Union Let It Snow Low Rates! 64 Denali Alaskan Federal Credit Union Get Your Rate Hot Off the Grill 66 Denali Alaskan Federal Credit Union Lucky You! 68 Denali Alaskan Federal Credit Union Our Rates Are TuTu Low to Pass Up 70 Desert Schools Federal Credit Union National Lampoon's Vacation 72 Enrichment Federal Credit Union Do Holiday Bills Have You Sliding Down a Slippery 74 Slope? Skid to a Stop With Enrichment's Low Rates! Matanuska Valley Federal Credit Union Debt Roundup 76 Reliant Community FCU Check Out Our SWEET Rates! 78 River City Federal Credit Union Say Aloha With a New Summer Toy! 80 River City Federal Credit Union We’ll Save You Loot With Our Low Interest Rates 82 River City Federal Credit Union Drowning in High Interest Rates 84 SAC Federal Credit Union Goody Goody Gumdrops! 86 SAC Federal Credit Union Rock 'n' Roll Your Way To Better Loan Rates 88 Security First Credit Union Kick Off Your Boots and Saddle Up...Yee-Haw! 90

TwinStar Credit Union Our Auto Rates Take The Gold 92

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 5 - TableTable ofof ContentsContents

Loans (continued) Page TwinStar Credit Union Are You in a Financial Blizzard? Let TwinStar Clear 94 your Path. Miscellaneous Reliant Community FCU Lunch & Learn 96 Solarity Credit Union Football Fever 98 Savings/Checking Bridgeway Federal Credit Union Join Us for a Fiesta of Savings 100 Citizens National Bank Stack the Deck With Our CNB Rewards Account 102

Desert Schools Federal Credit Union May Your Relationship With Desert Schools Be 104 Everlasting

Horicon Bank Celebrate Horicon Bank's All-Star Line Up 106 River City Federal Credit Union Become a Valued Member 108 River City Federal Credit Union From Your Neighbors 110 SAC Federal Credit Union Our Rates Are Out Of This World 112 SAC Federal Credit Union Follow the Yellow Brick Road To Savings! 114 SAC Federal Credit Union Are Your Rates Frightening? 116 TS Bank Friday Night Tunes 118 Twinstar Credit Union Become a Twin STAR 120 Workers Credit Union Pick Your App! 122

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 6 -

y!” r Birthda y Tubula tall t Union “To ral Credi ols Fede ert Scho : Des stitution ancial In art Fin ay Walm rt Gatew n: Gilbe Locatio , AZ : Gilbert City/State an lle Sherm y: Danie mitted b l Sub Mitchel r: Shaun Manage Branch

Category: Anniversary Promotion: We wanted to celebrate the birthday of the branch opening. We decorated and involved Walmart with dressing up and promoting our birthday, because it was their birthday, too!

Decorations: We threw an 80’s-themed birthday party with neon decorations, and vinyl records hung around the branch.

Budget: Under $25 Goal/Results: Our goal was to obtain 8 new credit union members, 4 checking accounts and 1 loan.

Idea Exchange Idea Exchange Idea Exchange Idea Exchange We were able to get 5 new credit union members, 4 checking accounts and 2 loans!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 7 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 8 -

” umber 7 “Lucky N ank B tion: TS al Institu Financi e n: Hy-Ve Locatio Bluffs, IA : Council City/State Joyce y: Jackie mitted b Sub land r: Jeri No Manage Branch

Category: Anniversary Promotion: On November 15, 2012, we held a “Lucky Number 7” promotion. We emailed a variety of questions to customers. When they responded by a specific time, the customer received a gift. We also served cake to our customers to celebrate that we’ve been “serving” them for 7 years! Decorations: To celebrate our promotion, we had a table set up with our cake and serving supplies. Budget: $25-$50

Goal/Results: Our goal was to boost in-store branch morale while also increasing the visibility and awareness of TS Bank among Hy-Vee shoppers and Idea Exchange Idea Exchange Idea Exchange Idea Exchange employees. We opened 2 new accounts, and TS Bank employees enjoyed the day, winning “7” related prizes when they answered questions related to the number 7.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 9 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 10 -

ith a Credit W uild Your “B dit Card” CNB Cre k onal Ban ens Nati n: Citiz Institutio inancial F roger ierville K tion: Sev Loca rville, TN te: Sevie City/Sta y Blazier by: Sand bmitted Su Blazier r: Sandy Manage Branch

Category: Credit Cards Promotion: We created a Lego® promotion to generate awareness of our credit cards.

Decorations: We decorated the branch with large Lego blocks.

Promotional PA: “Trying to build up good credit... Well, let a CNB credit card be the building block that leads you to a firm foundation.” Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: Under $25

Goal/Results: We gained 2 new credit card customers during the promotion period.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 11 - Idea Exchange Idea Exchange

Visa or MasterCard Account

No Annual Fee

Free online account access to view and pay your bill

Free online account access to view and print past statements

Free travel accident insurance

Competitive Rates

APPLY TODAY!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 12 -

s With ow Rate all Into L “F RCFCU” nion l Credit U a ity Feder er C tion: Riv al Institu Financi era HEB on: Band Locati tonio, TX : San An City/State na eth Corti y: Elizab mitted b a Sub th Cortin r: Elizabe Manage Branch

Category: Credit Cards Promotion: Throughout the month of November, we held a Thanksgiving- themed promotion to highlight our credit cards and thank our members for their business. Our business development activities included “See You Out Front” time, where we handed out credit union shopping bags to each member while thanking them for their business. Decorations: Our decorations included a Thanksgiving-themed message board and bulletin boards that featured pictures of trees, fall leaves and a cornucopia. “River City FCU is open inside HEB just in time for the holidays! We

Idea Exchange Idea Exchange Promotional PA: Idea Exchange Idea Exchange are offering our Signature loans or credit card with low rates to smooth out your holiday season. Come see us at the end of the checkout lanes. Thank you and “Happy Holidays” from River City FCU and HEB.” Budget: $100 Goal/Results: Our goal was to receive 10 credit card applications during the month-long promotion. We actually doubled our goal and received 20 applications!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 13 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 14 -

Is In” e Doct”o r “Th it Union rica Cred e unityAm mm tion: Co al Institutitution: Finanacni cial Ins art Fin gs Walm lue Sprin cation: nB: LoLocatio , MO e Springs tate: Blu City/Sy/State: all Cit e Marsh by: Lynn ubmittettded by: all S Submi e Marsh ger: Lynn ch Manaanager: BrBrananch M

Category: Customer Service Promotion: We held a medical-themed promotion February 8-18, 2013 to grow our members’ relationship with us. We offered a “financial check-up” for members and non-members to receive a full financial review. Our branch activities included “See You Out Front” time where we mentioned the promotion to each passerby. We used our whiteboard to spark conversations and schedule “financial check-up” appointments .

Decorations: We utilized our whiteboard to garner awareness of our promotion. Staff members carried clipboards and wore scrubs, stethoscopes, and nametags with creative names such as Dr. Anita Loan and Dr. Rainn E. Dayfund. Budget: Under $25 Idea Exchange Idea Exchange Idea Exchange Idea Exchange Goal/Results: We set a goal of increasing general awareness of CommunityAmerica Credit Union’s products and services. We scheduled several financial coaching appointments with existing members.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 15 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 16 -

nking Your Ba rvice “ e l!” “S r #1 Goa eeds Is Ou N nk a e State B one tion: Oc al Institu Financi art n: Walm Locatio ens, GA tate: Ath City/S n y Jackso by: Holl mitted rl Sub Reed He r: Haley Manage Branch

Category: Customer Service Promotion: We held a football-themed promotion January 7–February 8 to highlight our customer service. We created a short “Rate the Play” survey (see accompanying photo details), which we handed out to each customer and asked them to rate our customer service. Decorations: We decorated the branch with football cutouts, “It’s Game Time” banners, and teller “stats.” We also set up a tailgate and 3 signs to promote loans, investments and mortgages. On Fridays, the staff dressed in jeans and their OSB jersey, Idea Exchange Idea Exchange

Idea Exchange Idea Exchange which the managers made. Each jersey had the teller’s last name and teller number on the back. Budget: Over $100 Goal/Results: The goal was to expand our customer base and increase customers’ knowledge of our banking services/products. We opened several checking accounts, received several investment referrals, and saw a significant increase in both consumer and mortgage loan applications submitted. Customers also filled out positive comments on the “Rate the Play” survey.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 17 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 18 -

nds” “Silly Ba k onal Ban ens Nati : Citiz stitution ancial In Fin mart ville Wal n: Sevier Locatio ille, TN : Sevierv City/State n Milne y: Collee mitted b Sub n Milne r: Collee Manage Branch

Category: Employee Games & Contests

Promotion: At the beginning of the week, all employees were given five silly bands. We then listened to each others’ conversations with customers, and each time we heard someone cross-selling, we awarded them with a silly band. If the employee did not cross-sell during the transaction, we were permitted to steal a silly band from them.

At the end of the week, whoever had the most silly bands was awarded with a gift certificate.

This was a fun way to get the staff in the branch involved in cross- Idea Exchange Idea Exchange Idea Exchange Idea Exchange selling products that we offer.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 19 - Idea Exchange Idea Exchange

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O” ndy BING “Ca dit Union unity Cre ins Comm : Coll stitution ancial In Fin e Hy-Vee n Avenu n: Wilso Locatio apids, IA : Cedar R ity/State C James y: Megan mitted b Sub Choate r: Cheryl Manage Branch

Category: Employee Games & Contests

Game/Activity For the month of February, we played the game CANDY BINGO, where we used candy instead of numbers. Summary: Each employee received forms which explained how to earn a square. They were responsible of keeping track of the products and services they sold, and once they earned a particular type of candy, they could cross it off of the board!

The game was great for motivating the entire team and helped us look for the best ways to improve our members’ financial Idea Exchange Idea Exchange

Idea Exchange Idea Exchange wellbeing! Overall it was a fun and exciting game!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 21 -

C A N D Y

FREE Idea Exchange Idea Exchange

(A sample of the full instruction page is provided below) CANDY INSTRUCTIONS!

Milky Way – Open 2 Thrift Accounts

Snickers – Do all 5 Member Appreciation Steps

Starburst – Sell one GAP or MRC in February

3 Musketeers – Do PA, Aisle Time and Candy Count in 1 Day

Reese’s– Open Savings or Checking with Thrift Account

M & M’s – Refer 10 Reward CC’s for the month of February

Butterfinger –Maintain 20% Referrals for the month of February

Skittles – “Taste the….Money?” Open Start Fresh 1st step or Start Fresh Checking

Laffy Taffy- Do one volunteering activity during February

Spree – Receive a PERFECT SHOP!

Sweet Tarts – Refer a Ready Reserve LOC

Charleston Chew – Meet Debt Protection goal

Take 5 – Get 5 Services with a New Account.

At the end of the month we will do a drawing for a $50.00 gift card of your choice. The way to get your name in the drawing is as follows:

Get a CANDY = Get 5 entries

Get an upright “C” using 7 blocks = Get 8 entries

BLACK OUT = 35 entries

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 22 -

o Break” “Zo Union al Credit an Feder ali Alask on: Den Instituti ranch inancial almart B F orage W uth Anch tion: So Loca K orage, A te: Anch City/Sta rman anie She y: Steph mitted b rman Sub anie She r: Steph Manage Branch

Category: Employee Games & Contests

Game/Activity You roll the die once each time you loaded a loan application. Move your assigned game token the number of spaces indicated on the die. Summary: Landing on Black Circles: If you land on a black circle, draw a card and follow the directions.  If you are to receive a prize from the branch manager and she is not in, you would e-mail her and she would put the prize in your box on her next shift.  Any prize that will affect the schedule must have prior approval to use.  Each card may only be used once per game. Place the card in the discard pile after use. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Landing on an occupied space: If you land on an occupied space, you must go back one until you are on a free space. If that space is Black, follow the instructions for Black Circles.

Landing in the Snake Pit: If you land in the Snake Pit you lose your next turn. That means you will have to load two loan applications to roll the die again.

How to win: The first person to break out of the Zoo wins!  There will be a grand prize each month.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 23 -

Cont.: Examples of game cards:  Go to concession stand & receive a snack  Roll Again  Move back 3 spaces  One hour lunch this week  Go to the “monkey house”, and do a funky monkey dance in front of the branch  Fall into the Snake Pit and lose your next turn  Win a $10 iTunes card Idea Exchange Idea Exchange

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t Me” All Abou “ t Union ral Credi ols Fede ert Scho : Des stitution ancial In Fin Walmart Avenue n: 19th Locatio ix, AZ : Phoen City/State en ica Nguy by: Jess bmitted n Su a Nguye r: Jessic Manage Branch

Category: Employee Games & Contests

Game/Activity This activity is something we use to welcome new staff to the team.

We ask them to fill out this sheet and we present it to everyone in the Summary: meeting. Management uses this for rewards and recognition to help everyone feel valued and appreciated by tailoring it to the specific liking of each employee.

By using this, we are able to get to know our staff right from the beginning and welcome them to the team by giving them a platform

Idea Exchange Idea Exchange to tell us a little bit about themselves. Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 25 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 26 -

s” yee Kudo ly Emplo eek t Union “W ral Credi ols Fede ert Scho : Des stitution ancial In Fin t Walmar n: Elliot Locatio e, AZ te: Temp City/Sta Castillo y: Josue mitted b l Sub Mitchel r: Shaun Manage Branch

Category: Employee Games & Contests Game/Activity During our weekly Monday staff meeting, we include an "Employee Kudos" session as part of the agenda. Summary: We block out at least 10 minutes to give all staff (Tellers, Member Solutions Representatives and Management) a chance to recognize and thank each other for some of the things we've done the prior week.

Some of the things our staff recognizes include:  supporting and going above and beyond to help a peer  jumping in to assist with a complex transaction or member request  individual sales achievement

Idea Exchange Idea Exchange  flexibility with last minute changes to the schedule. Idea Exchange Idea Exchange

The result of this activity creates a very positive environment for the meeting, the entire day, and carries over for the remainder of the week. This activity also allows the staff to focus on the positive contributions that everyone makes to the team and how the smallest of details can be noticed and recognized by someone.

It is also a morale booster for everyone on the team and improves employee satisfaction as the kudos go from peer to peer, manager to employee, and employee to manager.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 27 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 28 -

Week” ys of the “Da t Union ral Credi ols Fede ert Scho es tution: D cial Insti Finan rt ise Walma n: Surpr Locatio e, AZ : Surpris City/State e Zimny y: Kristin Aranda mitted b o & Irma Sub Alvarad r: Ruben Manage Branch

Category: Employee Games & Contests Game/Activity The management team wanted to come up with a way for the entire branch to work together to accomplish our sales goals. For the staff, Summary: it is easy to become overwhelmed when held to a monthly quota of such a wide array of products. The “Days of the Week” promotion gave the staff a strategy and approach to help ensure their success with ease. The Days of the Week activity had a different sales focus for each day:

 Mortgage Monday: MSR’s and Tellers work together to refer our Mortgage products.  Time Tuesday: Focus is on time accounts. Our primary goal on this day is to obtain Financial Service referrals for investments or retirement accounts. Secondly, our goal would be to offer our credit union timed accounts such as CD’s or IRA’s.

Idea Exchange Idea Exchange  Will Wednesday: We focus on referring members to our Idea Exchange Idea Exchange representative for Wills and Trusts.  Titled Thursday: Focus is on titled loans.  Focus Friday: We choose our focus for the branch. This day is especially good as a catch-up day if we are lacking in any specific area.  Sign Up Saturday: We focus on bringing in new memberships, kids accounts, and asking our members refer their friends and family to the credit union.

We posted our results for each day with a removable number so the next week we can have a number to beat.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 29 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 30 -

Bone” e a Dog a “Giv ion redit Un Federal C chment ri tion: En al Institu Financi ranch n: Halls B Locatio le, TN : Knoxvil ity/State C arren Suzie W itted by: Subm arren r: Suzie W Manage Branch

Category: Employee Games & Contests

Game/Activity The contest ran throughout the month of July where the branch employees were able to receive up to 10 Milk-Bone® biscuits for Summary their respective dog bowl. Employees received a Milk-Bone® biscuit each day they collected 2 Enrichment referral cards and completed 2 PAs. Cancer

To complete the dog bowl, employees needed to earn a dog tag, which was achieved by referring 2 new accounts.

The doors of the branch were decorated with pictures of dogs, bowls, and little bones that went into the dog bowls.

Idea Exchange Idea Exchange Idea Exchange Idea Exchange The reward for the contest was a ½ day of vacation.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 31 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 32 -

®” “M&M’S

ank B tion: TS al Institu Financi e n: Hy-Ve Locatio Bluffs, IA : Council City/State Joyce y: Jackie mitted b Sub land r: Jeri No Manage Branch

Category: Employee Games & Contests Promotion: The M&M’S®-themed promotion took place on October 31st to promote our new app. Our business development activities included PAs, aisle walks, and See You Out Front time .

Decorations: In order to promote the new app, we all dressed up as M&M’S® and gave away M&M’S® with a card that customers could scan to automatically download the app. Promotional PA: “Hello, Hy-Vee shoppers! Your finances are nothing to snicker at. Consider opening a free checking account at TS Bank where you can choose an option that best fits your lifestyle! There aren’t any tricks at TS Bank–only treats! TS Bank & Hy-Vee–today, tomorrow, together!”

Idea Exchange Idea Exchange Idea Exchange Idea Exchange “Hello, Hy-Vee shoppers! TS Bank is rolling out the new Mobile Money app! Balance inquiries, transfers and more... all available at your fingertips. Easy as 1, 2, 3 at TS Bank in your Madison Avenue Hy-Vee!” Budget: Under $25 Goal/Results: Our goal was to sign people up for our Online Banking program, and generate awareness of the new banking app. The results went through the roof with many customers, young and old, downloading the new app even before we finished their transaction.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 33 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 34 -

Win” “Spin to nk, Inc. unity Ba ed Comm it tion: Un al Institu Financi ille, GA n: Blairsv Locatio lle, GA : Blairsvi City/State Gunter by: Rita bmitted s Su w William r: Andre Manage Branch

Category: Employee Games & Contests

Game/Activity Each year, our Blairsville location creates 1-2 different incentives to motivate our employees and help us reach our goals. We ended Summary: 2012 with an incentive called “Spin to Win.”

Our mascot was a tiny white character that we named UGO (United Growth Opportunity). We met monthly at 8:15 am to celebrate everyone’s achievements and track the bank’s progress. Our bank president conducted the meeting with a PowerPoint presentation, and upbeat music played as everyone gathered for the meeting.

We also sent a weekly email to share the bank’s overall progress for Idea Exchange Idea Exchange Idea Exchange Idea Exchange the week and highlight the employees who had earned tokens. We also updated our bulletin board as a daily reminder of our incentive and everyone’s achievements.

The “Spin to Win” incentive was successful because it created great energy among all bank employees, which helped them reach their goals. The employees enjoyed receiving recognition for their individual achievements, and were excited to see how achieving their individual goals impacted the overall goal. We all look forward to the next incentive, which kicks off next month.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 35 -

Game Rules, Goals, Incentives UGO Idea Exchange Idea Exchange

Sample Weekly Email

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 36 -

Cancer” nd Up to “Sta

ank B tion: TS al Institu Financi e n: Hy-Ve Locatio Bluffs, IA : Council City/State Joyce y: Jackie mitted b Sub land r: Jeri No Manage Branch

Category: Fundraising Promotion: From October 1-28, 2012, we held a “Stand Up to Cancer” promotion where we generated awareness of a variety of cancers and raised funds for the Kasasa giving campaign. Staff members conducted business development in the aisles, shared the promotion information with customers at the teller line, and also talked with customers in the dining area while giving them refills on their coffee. Decorations: We dedicated each weekend to a different cancer and decorated the branch according to that cancer’s ribbon color. The first week was dedicated to breast cancer, so we had pink lemonade, pink bracelets, stickers, cookies, mints and ribbons, and all TS Bank employees wore pink. The next week was "Gold Weekend" for childhood cancer, the third weekend was “Gray Weekend” to raise awareness of brain cancer, and the last week was “Employees’ Choice” where each employee could choose their own ribbon. Idea Exchange Idea Exchange Idea Exchange Idea Exchange The branch was decorated in a variety of colors for the final week of the promotion. Employees were permitted to wear jeans on promotion days and any attire that fit the color scheme of that particular weekend. Promotional PA: “Hello, Hy-Vee shoppers! Ever wanted to make a charitable donation with just a card swipe? With our new Kasasa Giver account, you can receive 3.01% interest, and each swipe becomes a donation in your name. Ask us about it. TS Bank and Hy-Vee: today, tomorrow, together.”

“Hello, Hy-Vee shoppers! Giving just got easier! With the new Kasasa Giver, each debit card swipe makes a charitable donation in your name. Curious? Stop by. TS Bank and Hy-Vee: today, tomorrow, together.”

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 37 - Budget: Under $25 Goal/Results: The goal was to promote our Kasasa giving and make a donation to the “Stand Up to Cancer” Foundation. We also highlighted our “Like and Give” campaign during this time–for every “Like” we received on Facebook, we donated $1 to the cause. As a result of the promotion, we opened approximately 12 new accounts, many of which were Kasasa Giver accounts, and raised over $200 for the Foundation. Idea Exchange Idea Exchange

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e” ah Hous the Mic “TeePee ank B tion: TS al Institu Financi e n: Hy-Ve Locatio Bluffs, IA : Council City/State Joyce y: Jackie mitted b Sub land r: Jeri No Manage Branch

Category: Fundraising Promotion: Between November 30-December 17, we held a promotion to raise non-perishable food items for the Treynor Food Bank and Micah House, a local shelter. For every single donation, customers and non-customers were entered in a drawing for a gift basket valued at $50. Our business development activities included aisle walks and PAs. Decorations: The branch was already decorated for Christmas at the time of the promotion, so we sent out a card to generate even greater awareness. Promotional PA: “Hello, Hy-Vee shoppers! Here at TS Bank, we enjoy teepee-ing a few houses now and then, and we want your help! Stop by and donate a roll of toilet paper or two to the Micah House! TS Bank Idea Exchange Idea Exchange Idea Exchange Idea Exchange and Hy-Vee… today, tomorrow, together!”

“Hey there, Hy-Vee shoppers! Tis the season–to teepee a house or two! Stop by TS Bank and donate a few rolls of toilet paper to the Micah House! Even the smallest donation helps! TS Bank and Hy-Vee... today, tomorrow, together!” Budget: $25-$50

Goal/Results: As a result of the promotion, we raised three shopping carts full of cans, boxes, toilet paper, and other goods that we were able to divide up and donate to the Treynor Food Bank and Micah House.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 39 - Idea Exchange Idea Exchange

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” Bowling “Turkey it Union Star Cred : Twin stitution ancial In Fin lmart view Wa on: Long Locati hington ew, Was : Longvi City/State ra Garn y: Teeda mitted b Sub ra Garn r: Teeda Manage Branch

Category: Fundraising Promotion: We started our Turkey Bowl promotion on November 1. As customers brought food donations to our in-store branch, they were entered to be selected as one of our five bowlers.

On November 17, we set up a bowling “lane” and had our five winners bowl frozen turkeys. The winner received a $500 TwinStar Visa gift card. The Walmart-donated turkeys used for bowling were given to the families who bowled. We advertised this event inside our Walmart, on our local radio station, and at CAP, a local food bank. It was a great event to build our business relationship with CAP and Walmart.

Decorations: We decorated with a turkey-bowl theme throughout the whole branch. Dollar Dog, our kids account mascot, joined the fun and made an appearance at the event. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Promotional PA: “Attention Walmart shoppers! Is Turkey Bowling on your bucket list? Would you like to win a $500 TwinStar Visa gift card? Then bring your purchased, non-perishable food donation to our location at the front of the store, and we will enter you for a chance to bowl in Turkey Bowl 2012. Enjoy your day, and as always, thank you for shopping your local Longview/Kelso Walmart!!” Budget: $100 Goal/Results: Our goal was to raise food donations for CAP, a local food bank. We collected 75 lbs. of food to give back to the Cowlitz County community.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 41 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 42 -

ough?” “Knead D k onal Ban ens Nati : Citiz stitution ancial In Fin mart ville Wal n: Sevier Locatio ille, TN : Sevierv City/State n Milne y: Collee mitted b Sub n Milne r: Collee Manage Branch

Category: Home Equity Line of Credit Promotion: During the month of June, we held a promotion to increase loan productivity and overall customer awareness of Citizens National Bank. We handed out flyers that said "Knead Dough?" and mailed the same flyer to our customers who had only a checking account with us and could potentially take advantage of our lending services. Our branch activity included wearing aprons and chef hats while serving warm chocolate chip cookies to customers.

The aprons were provided by a business customer of ours who sells them, which enabled us to promote her business as well. Decorations: We decorated the branch with little dough boys, rolling pins and baking utensils. The back cabinets had pictures of various ways you could spend your money, such as a car loan, vacation, home Idea Exchange Idea Exchange

Idea Exchange Idea Exchange improvement, paying off bills, college education, etc.

Budget: $25-$50 Goal/Results: Our goal was $11,690 in loan growth and we finished with $15,500. Another goal was to increase awareness that we are a full service branch and can help people with all of their banking needs.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 43 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 44 -

me True s Can Co “Dream ity Loan ome Equ With a H om CNB” fr k onal Ban ens Nati Citiz titution: ncial Ins Fina r ur Kroge n: Seymo Locatio r, TN : Seymou City/State h Bland y: Hanna mitted b Sub h Bland r: Hanna Manage Branch

Category: Home Equity Line of Credit Promotion: Our Disney-themed promotion ran October 1–November 1 to highlight CNB’s Home Equity Line of Credit. The team wore tiaras and crowns and met each Friday to review product knowledge. Following each Friday’s meeting, we held tea parties for little girls, serving tea and cookies, and Knight classes for the boys, where we taught them how to be gentlemen (i.e., holding doors, saying please, and thank you). We also passed out princess and Knight tattoos to the kids.

We hung flowers and butterflies from the ceiling. On the back

Idea Exchange Idea Exchange Decorations: Idea Exchange Idea Exchange doors, we placed pictures of Cinderella's castle and the Disney princes with promotion slogans. We also utilized our scrolling TV screen, creating slides featuring our hours of operation and Home Equity products using a different Disney princess on each slide. Budget: $25-$50 Goal/Results: We wanted to generate greater awareness among all customers that we offer loans and can serve all of their financial needs at our in-store branch. We also wanted to draw attention to our male employees. We discussed Home Equities with 3 customers, achieving over $500,000 in mortgages, and almost every customer made a comment about the men being surrounded by princesses.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 45 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 46 -

u Out?” eping Yo ouse Cre ur H t Union Is Yo ral Credi “ ols Fede ert Scho Des titution: ncial Ins Fina almart l Butte W n: Signa Locatio AZ : Mesa, City/State Lee y: Mara mitted b Sub Lee r: Mara Manage Branch

Category: Home Equity Line of Credit

This promotion ran October 1–31. Promotion: We decided to wear superhero costumes so we could “Save the Day” for our members from their scary homes. We toured the store as superheroes and invited shoppers to visit the branch. We paired up our tellers and MSR’s to submit referrals and do member callbacks. Decorations: We decorated the branch with spooky Halloween décor and wrote the slogan on our whiteboard. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: $25–$50 Goal/Results: Our branch goal was to bring in 4 Home Equity applications, or $15k in Home Equity Loans. We ended up receiving 2 applications, and one was funded for $60k.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 47 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 48 -

for You!” to Work e Equity ur Hom t Union Put Yo ral Credi “ ols Fede ert Scho Des titution: ncial Ins Fina rt n Walma n: Payso Locatio , Arizona : Payson City/State e Pierce y: Yvonn mitted b Sub e Pierce r: Yvonn Manage Branch

Category: Home Equity Line of Credit Promotion: The promotion ran May 7–12. We dressed like construction workers, plumbers, electricians, carpenters, etc.

Decorations: In addition to the whiteboard, we decorated with different hand tools and power tools throughout the branch. We put up a large ladder and wrapped with caution tape. We used the ladder to support the whiteboard which said “Put Your Home Equity to Work for You.”

Budget: Under $25 Idea Exchange Idea Exchange Idea Exchange Idea Exchange Goal/Results: We had a goal of funding $30,000 in loans for the branch. We ended up funding $64,000!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 49 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 50 -

lidays t Your Ho “Don’t Le nt” ocking Eve Sh t Union me a ral Credi eco ols Fede B ert Scho Des titution: ncial Ins Fina rt n Walma n: Payso Locatio , Arizona : Payson ity/State C e Pierce y: Yvonn mitted b Sub e Pierce r: Yvonn Manage Branch

Category: Investment Accounts/Retirement Promotion: We had a $100 gift card giveaway where anyone who transferred or rolled over $15,000 or more to Financial Services received an entry.

Shoppers could also participate in a trivia contest with questions from the movie Christmas Vacation to win small prize rewards. Sample questions included:  What was Clark's nickname?  How long was cousin Eddy planning on staying?  Where did the kids sleep while the grandparents were there?  What happened to the cat?  What was Clark's Christmas present from his boss? Idea Exchange Idea Exchange Idea Exchange Idea Exchange Decorations: The wall behind the teller line was covered in little Santa suits with employee pictures as the heads, and electric lights were run through them. There was a roof with a chimney and snow, and smoke was coming out of the chimney.

Budget: Under $25 (The gift card was provided by Financial Services.) Goal/Results: As a branch we wanted 2.28 qualified referrals. In the end, we had 2 at 87.72%, which made us the #9 top-performing branch!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 51 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 52 -

ools!” esert Sch Over to D ve It t Union Moo ral Credi “ ols Fede ert Scho es tution: D cial Insti Finan rt ise Walma n: Surpr Locatio e, AZ : Surpris City/State e Zimny y: Kristin Aranda mitted b o & Irma Sub Alvarad r: Ruben Manage Branch

Category: Investment Accounts/Retirement Promotion: This promotion ran from February 25–March 1st. The idea behind the cowhide theme was to catch our current members’ and potential new members’ attention to “mooooove” their investments over to Desert Schools.

Decorations: The branch was decorated with a cowhide theme. We had cowhide balloons and posters. We used our whiteboard to announce our promotion and had small football-shaped cows with thought bubbles referring to our products. The staff also wore cowhide t-shirts on the weekend. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: $25–$50 Goal/Results: We had a goal of 6 service referrals for retirement/investment services. We ended up with 4 financial service referrals and 1 scheduled appointment.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 53 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 54 -

ns!” r Directio to Ask fo Okay t Union It’s ral Credi “ ols Fede ert Scho n: Des nstitutio nancial I t Fi Walmar Avenue on: 59th Locati na ale, Arizo te: Glend City/Sta n ay Marti y: Linds mitted b Sub y Martin r: Lindsa Manage Branch

Category: Investment Accounts/Retirement Promotion: Our promotion ran for one Wacky Weekend, March 15–16.

We used our table to display our poster board and had an employee doing table time throughout the weekend to answer questions and bring in business.

Decorations: We decorated the branch with roads and road signs and wore neon colored shirts. We made a poster board and placed it on our table.

Budget: Under $25 Idea Exchange Idea Exchange Idea Exchange Idea Exchange Goal/Results: We had a goal of 5 Financial Service referrals for the weekend, and we ended up bringing in 1 referral.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 55 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 56 -

ent… Retirem ctions” “ for Dire Ask t Union y to ral Credi Oka ols Fede It’s ert Scho n: Des nstitutio ancial I rt Fin l Walma an Schoo on: Indi Locati a ix, Arizon : Phoen City/State uez a Rodrig y: Meliss mitted b uez Sub a Rodrig r: Meliss Manage Branch

Category: Investment Accounts/Retirement Promotion: Our Wacky Weekend was for the weekend of March 15–16. We tied in the St. Patrick’s Day holiday to promote our retirement accounts by offering “directions” to their pot of gold.

Each time a member submitted a referral, they were allowed an entry, a “gold” coin, into the raffle box. The winner would win a special retirement cake. Decorations: We decorated with green and yellow balloons and had St. Patrick's Day decorations hanging from the ceiling. We were also raising money for the Phoenix's Children's Hospital, so we put little St. Patty's Day hats on piggy banks for sale. Idea Exchange Idea Exchange Idea Exchange Idea Exchange

Budget: Under $25 Goal/Results: Our branch goal was to get 6 retirement referrals, and we were able to get a total of 3 during the weekend.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 57 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 58 -

p!” Can Hel nce! We Confide With t Union etire ral Credi “R ols Fede ert Scho : Des stitution ancial In Fin art on Walm n: Wats Locatio eye, AZ te: Buck City/Sta llo ola Carri by: Fabi bmitted o Su la Carrill r: Fabio Manage Branch

Category: Investment Accounts/Retirement Promotion: Our promotion ran for one weekend, March 15–16. We created a prize basket for a raffle that consisted of two game boards and snacks. Entry tickets completed by members included questions they could complete for callbacks on additional information.

Decorations: We decorated the branch with a superhero theme. We used our whiteboard to display a poster with our theme. We had a skyline cutout with superheroes scattered throughout the scene. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: $25–$50 Goal/Results: Our branch wanted to see 1 financial services referral per day, or 2 for the weekend. We were able to get 1 referral.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 59 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 60 -

No Pay” “90 Day Union st Credit munity 1 Com titution: ncial Ins Fina y ll Safewa n: Bothe Locatio gton l, Washin : Bothel City/State ery y McCaff y: Kelse mitted b ry Sub McCaffe r: Kelsey Manage Branch

Category: Loans Promotion: The promotion ran January 1–31. The 90 Day No Pay was a promotion for all of our titled loans. We offered $250 for free if the person refinanced their current auto loan from another financial institution.

Decorations: We decorated the branch with a theme of Seahawks football because they were in the playoffs. We used green & blue streamers, football decorations, and the slogan was placed on our cabinets. We also put sports-related trivia questions on our whiteboard daily.

Idea Exchange Idea Exchange “Hello, Safeway shoppers! Need money for Seahawk playoff Idea Exchange Idea Exchange Promotional PA: tickets? Come visit Community 1st Credit Union. See how we can save you money and help cheer the Seahawks to the Super Bowl. We have a special 90 Day No Pay special that allows you to hold payments for 3 months. Rates are as low as 2.49% APR, so come by and speak with a banker today. Thank you for shopping in your friendly Bothell Safeway.”

Budget: Under $25 Goal/Results: We were hoping to book $150,000 in auto loans for the month of January, and we ended up booking $155,000!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 61 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 62 -

ays” Golden D “ Union al Credit an Feder ali Alask en tution: D cial Insti Finan art sen Walm n: Johan Locatio a ks, Alask : Fairban City/State fer Davis y: Jenni mitted b Sub er Davis r: Jennif Manage Branch

Category: Loans Promotion: Our promotion ran July 1–30. Our promotion’s goal was to bring attention to our low auto loan rates. We used "Sourdough Buck" to bring attention to our youth accounts as well. We walked the aisles wishing shoppers a “Golden Day!”

Decorations: We purchased gold pans and glued fake gold nuggets and gold dust to them. For our background decoration on the back cabinets, we added "Sourdough Buck", Denali Alaskan's youth account mascot, panning for gold.

$25–$50

Idea Exchange Idea Exchange Budget: Idea Exchange Idea Exchange Goal/Results: Our goal was to get 25 loans funded, $250,000 volume funded, and 23 new accounts.

We finished with 33 loans funded, $317,842 volume funded, and 35 new accounts! We met our goals!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 63 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 64 -

” w Rates! Snow Lo et It Union “L al Credit an Feder ali Alask n tion: De al Institu Financi Branch n: Kenai Locatio AK : Kenai, City/State y Ryland by: Fann bmitted Su Stafford r: Dave Manage Branch

Category: Loans Promotion: Our promotion ran from January 19–February 1. We were promoting loans for winter toys with an APR as low as 3.25%.

Members entered their name in a cotton box to get a chance to win one of our 3 great prizes:  a snow machine headlight kit worth $300 from a local dealership  a $50 gift certificate from a local Polaris Business  a $25 gas gift card from DAFCU.

We also took turns standing at our front table to interact with the shoppers in Walmart and encourage them to participate in our drawing. Decorations: We decorated the branch with cotton balls hanging from the ceiling like falling snow. Our cabinets were decorated with a Idea Exchange Idea Exchange Idea Exchange Idea Exchange landscape of mountains and snow machines. We used cotton balls to display the promotion name and display our rates.

Budget: Under $25 Goal/Results: We had a goal of financing 5 loans for winter toys, as well as strengthening our relationship with our local businesses and advertising our rates. We ended up financing 6 winter toys within the 2- week promotion!

To reinforce the relationship with our local dealerships, we offered to add their names on our promotion board and drive business from our members to their dealership to finance a winter toy. In return, they gave us donations and prizes to use as giveaways.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 65 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 66 -

Grill” Off the Rate Hot Your Union Get al Credit “ an Feder ali Alask n: Den nstitutio anch nancial I lmart Br Fi rage Wa th Ancho on: Sou Locati rage, AK : Ancho City/State rman anie She y: Steph mitted b rman Sub anie She r: Steph Manage Branch

Category: Loans Promotion: The promotion ran June 1 –31. Anyone could enter to win the gas grill prize. If you applied and were approved for a loan, you could submit a second entry. Decorations: We placed a gas grill in front of our white board with our “Get Your Rate Hot Off the Grill” slogan written above it. We used a flower pot as our entry form receptacle. The branch was decorated with a summer garden theme, and the staff wore summer garden or grilling attire.

Budget: Under $25 Our branch goal was to fund $250,000 in loans. We actually ended Idea Exchange Idea Exchange

Idea Exchange Idea Exchange Goal/Results: up funding $540,000!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 67 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 68 -

ou!” “Lucky Y Union al Credit an Feder ali Alask : Den stitution ancial In Fin almart River W n: Eagle Locatio ka iver, Alas : Eagle R ity/State C sman y: Patti A mitted b Sub endon r: Lisa H Manage Branch

Category: Loans Promotion: This promotion ran from March 1–17 using a St. Patrick’s Day theme.

We had a green beanbag toss into a pot of gold at the branch to create interest. We also walked around the Walmart with green balloons and shamrock DAFCU aprons.

Decorations: We decorated the branch with shamrocks on the back cupboards and throughout the branch. We wrote the loan rates on many of the shamrocks. We all wore green on St. Patrick’s Day. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: Under $25 Goal/Results: Our goal is to have our five employees reach $15k in loan volume each and a total of $75k in the 10-day period.

We ended up bringing in $83k!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 69 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 70 -

p!” o Pass U Tu Low t es Are Tu r Rat Union “Ou al Credit an Feder ali Alask on: Den Instituti inancial almart F orage W uth Anch tion: So Loca laska orage, A te: Anch City/Sta rman anie She y: Steph mitted b rman Sub anie She r: Steph Manage Branch

Category: Loans Promotion: This promotion ran December 1–31. We wore our tutus to bring attention to our “tutu low” auto loan rates!

Decorations: The branch was decorated for Christmas with a Nutcracker theme. We had Christmas lights and ornaments hanging from the ceiling.

We dressed in black and wore our colorful tutus on the weekends to attract attention to the branch and open up conversations about rates. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: Under $25

Goal/Results: We had a branch goal of $250k and brought in $165k.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 71 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 72 -

cation” oon’s Va amp t Union nal L ral Credi atio ols Fede “N ert Scho Des titution: ncial Ins Fina rt n Walma n: Payso Locatio , Arizona : Payson City/State e Pierce y: Yvonn mitted b Sub e Pierce r: Yvonn Manage Branch

Category: Loans Promotion: Our promotion ran from June 1 to July 31. We dressed up as characters from the movie “Vacation” and made name tags for our characters. We asked every member that came to the branch if they wanted to refinance their auto loan and get 1% cash back. We also used our table for credit union out-front time.

Decorations: Our back wall was decorated with a wallpaper mural of a South Seas beach. We had a wooden-looking sign hanging from the ceiling stating, "Ask us how you can get 1% cash back." We kept the wall up for the entire promotion and Idea Exchange Idea Exchange

Idea Exchange Idea Exchange changed the sign to match our products.

Budget: Under $25 Goal/Results: We had a branch goal of $93,000, and we ended up getting $172,000!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 73 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 74 -

u Sliding Have Yo iday Bills ? “Do Hol ery Slope n a Slipp 's Dow ichment with Enr to a Stop Skid Rates!” Low ion redit Un ederal C hment F : Enric stitution ancial In Fin y Food Cit n: Hall’s Locatio le, TN : Knoxvil ity/State C arren Suzie W itted by: Subm arren r: Suzie W Manage Branch

Category: Loans Promotion: We held a ski-themed promotion January 4–February 28, 2013 to highlight our loan rates and customer service. We conducted hourly PAs, and during aisle walks, we distributed credit union literature with our loan rates. Decorations: We decorated the branch walls with bright blue and white lettering and a ski slope that included trees, skiers, and a large snowball at the bottom of the slope. The three-dimensional snowball depicted

Idea Exchange Idea Exchange a buried skier under snow and credit card bills. Idea Exchange Idea Exchange Promotional PA: “Good ____, Food City shoppers! Do holiday bills have you sliding down a slippery slope? With Enrichment’s low loan rates, we can help you skid to a stop! Come to Enrichment, located at the front of the store to get started! Thank you and have a great day!” Budget: Under $25 Goal/Results: Our goal was to increase general awareness of our loan rates at the branch. By the end of the promotion, we had achieved 4 loans for a total of $28,373.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 75 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 76 -

dup” ebt Roun “D t Union ral Credi lley Fede nuska Va : Mata stitution ancial In Fin Safeway n: Carrs Locatio AK : Palmer, City/State r ia Kaspa y: Virgin mitted b Sub LaVine r: Connie Manage Branch

Category: Loans Promotion: From March 4–April 15, 2013, we had a “Debt Roundup” to promote loans. Business development activities included daily aisle walks where we distributed “Debt Roundup” flyers and free MVFCU calendar mouse pads. On Fridays, we brought out our bright, loud MVFCU Spin Wheel, which drew a lot of attention and gave us an opportunity to explain the promotion.

Decorations: To fit with our cowboy theme, each employee attached a sheriff badge to their nameplate, promotional posters included a traditional "wanted poster" background, fun lettering, and sheriff stars. Each of our computers had cowboy hats and bandanas on them; horseshoes and fake barbed wire hung throughout the branch. On our Casual Days (Friday and Saturday), we were able to wear jeans, and a few employees even wore their cowboy boots. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Promotional PA: “Howdy, Carrs shoppers! Matanuska Valley Federal Credit Union is holding a Debt Roundup!! Do you have any outstanding debt that you want to combine into one monthly payment, with a low interest rate? See our friendly staff at the front of this Carrs store, and let Matanuska Valley Federal Credit Union help you corral your debt today! Budget: $25-$50 Goal/Results: Our goal was to get 5 loan applications as a branch (1 per employee). The promotion was in progress at submission time, however the branch was on target to surpass their goal, achieving 4 loan applications each week.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 77 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 78 -

EET t Our SW heck Ou “C ates!” R Union al Credit ity Feder n t Commu Relian titution: ncial Ins Fina rt a Walma n: Genev Locatio , NY : Geneva City/State eimer Lunkenh by: Cara bmitted imer Su unkenhe r: Cara L Manage Branch

Category: Loans Promotion: We held a “SWEET Rates” promotion between February 5–16 to showcase our loan rates and increase the number of loan applications. Our business development time included aisle walks where we talked about the promotion with Walmart customers and employees. On Valentine’s Day, we handed out Hersey Kisses® and cupcakes with toothpicks that had our loan rates on a little flag. Kids were also able to color and decorate paper cupcakes of their own.

Decorations: Our back wall posted the slogan, “We have SWEET rates!”, and the side walls were decorated with cupcake cutouts, some with Idea Exchange Idea Exchange

Idea Exchange Idea Exchange conversation starters on them such as, "Are you paying too much for your car loan?" The team wore regular business logo wear during the promotion, except on Valentine’s Day when we wore aprons that said "Check out our Sweet Rates!" Budget: Under $25 Goal/Results: Our goal was to complete 10 loan applications and 2 branch referrals for Mortgage or Reliant Investment Services (RIS). A result of the promotion, we received 8 applications, 4 mortgage referrals, 1 RIS referral, and we opened 6 new accounts!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 79 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 80 -

ew With a N ay Aloha “S r Toy!” me Sum dit Union deral Cre r City Fe e tion: Riv al Institu Financi era HEB on: Band Locati tonio, TX : San An City/State na eth Corti y: Elizab mitted b a Sub th Cortin r: Elizabe Manage Branch

Category: Loans Promotion: Our Hawaiian/Luau-themed promotion ran from June 1–30, 2012 to highlight our loan rates. We gave away Hawaiian leis and also held a free “Shred Day” as our business development activities to generate greater awareness of the promotion and credit union. Decorations: We used streamers, banners and posters to decorate the branch in a Hawaiian/Luau theme. Staff members also wore Hawaiian attire. Promotional PA: “Did you know theft of discarded documents is still one of the top methods of identity theft? River City FCU is hosting Shred Day to help the community safely and securely destroy paper documents. On Saturday, June 2nd, here in the parking lot, you can drive up and drop off your items, and we’ll take care of the rest absolutely Idea Exchange Idea Exchange Idea Exchange Idea Exchange free! Stop by River City FCU for more details and thank you for shopping at HEB.”

“Dive into River City FCU for a great rate on your new summer toy. With rates as low as 4.5% you can finally purchase your motorcycle, jet ski, or travel trailer. Stop in today to make your summer fun a reality. Thank you for shopping at HEB, and we hope to see you soon at River City FCU. “

Budget: $100 Goal/Results: We set a branch goal of achieving $250,000 in new loans during the promotional period and actually surpassed our goal, achieving $300,000 in new loans. April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 81 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 82 -

With ou Loot ’ll Save Y s” “We est Rate ow Inter r L nion Ou l Credit U a ity Feder er C tion: Riv al Institu Financi era HEB on: Band Locati tonio, TX : San An City/State na eth Corti y: Elizab mitted b a Sub th Cortin r: Elizabe Manage Branch

Category: Loans Promotion: Between July 1-31, 2012, we held a Pirate-themed promotion to showcase our low interest loan rates. Our branch business development activities for this promotion included handing out treasure maps to customers and employees, which encouraged them to return to the branch for goodies such as “gold coin” candies and credit union shopping bags. Decorations: We decorated the branch in accordance with our pirate theme featuring treasure maps on the walls and a brightly decorated message board. Staff members further promoted the pirate theme by wearing eye patches, pirate hats and carrying swords. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Promotional PA: “Don’t let high interest rates take the wind out of your sails. Steer on in to River City FCU to get a great rate on your new or used boat. With rates as low as 4.5%, you can finally sail away to your financial oasis. Thank you for shopping at HEB and we hope to see you soon at River City FCU.”

Budget: $100 Goal/Results: We set a branch goal of $250,000 in new loans and nearly doubled the goal at the conclusion of the promotion by achieving $464,000!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 83 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 84 -

Interest g in High “Drownin Rates”

dit Union deral Cre r City Fe n: Rive nstitutio nancial I Fi dera HEB tion: Ban Loca X ntonio, T te: San A City/Sta na eth Corti y: Elizab mitted b a Sub th Cortin r: Elizabe Manage Branch

Category: Loans Promotion: We highlighted our low loan rates by holding a Halloween-themed promotion throughout the month of October. Staff members distributed candy and River City Federal Credit Union shopping bags as business development activities. Decorations: We decorated the branch for Halloween by designing a Halloween-themed message board and hanging banners. Staff members wore Halloween T-shirts. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: $100 Goal/Results: Our goal was $250,000 in new loans, and we achieved $210,000 by the end of the promotion.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 85 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 86 -

rops” dy Gumd ody Goo “Go nion Credit U Federal n: SAC nstitutio ancial I aver Fin Super S cil Bluffs on: Coun Locati A l Bluffs, I : Counci City/State midt Kleinsch by: Amy bmitted r Su chroede r: Sara S Manage Branch

Category: Loans Promotion: This promotion took place throughout the month of December and was designed to increase the number of loan applications taken at the branch. We generated awareness by passing out candy canes to each Super Saver employee.

Decorations: The branch was decorated with brown paper on walls, gumdrops, candies, and gingerbread men. SAC staff members dressed as Santa, Mrs. Claus, elves and the Grinch. Promotional PA: “Good afternoon, Super Saver shoppers! The weather outside may be frightful, but you can do your banking inside where it's delightful. Come join us at SAC Federal Credit Union and open a Idea Exchange Idea Exchange Idea Exchange Idea Exchange free checking account with online banking to enjoy a stress-free holiday. SAC Federal Credit Union is convenient, right here in front of Super Saver. Happy holidays from SAC Federal Credit Union!”

Budget: $25-$50 Goal/Results: Our goal was to increase the number of loan applications taken at the branch as much as possible. During the promotion period, we received 22 loan applications, 6 of which were later approved and disbursed.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 87 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 88 -

r Way to ’ Roll You ock ‘n ” “R an Rates Better Lo it Union d deral Cre SAC Fe titution: ncial Ins er Fina uper Sav il Bluffs S n: Counc Locatio Bluffs, IA : Council City/State midt Kleinsch by: Amy bmitted r Su chroede r: Sara S Manage Branch

Category: Loans Promotion: During the month of May, we hosted a “Rock ‘n’ Roll Your Way to Better Loan Rates” promotion to increase loan applications at the branch. Our branch activity included a “Free Root Beer Floats Day.” Decorations: The branch was decorated in a 50's theme with a jukebox, records, rock 'n' roll banner, and streamers. Staff members wore poodle skirts, roller skates and "popped" collars. Promotional PA: “Good morning, Super Saver shoppers! Are you in need of a loan to consolidate your bills, take a vacation or remodel your home? If Idea Exchange Idea Exchange Idea Exchange Idea Exchange so, rock 'n' roll your way into SAC Federal Credit Union in the front of your Council Bluffs Super Saver and apply for a personal loan!”

Budget: $25-$50 Goal/Results: We wanted to increase loan applications at the branch as much as possible. As a result of the promotion, we received 26 loan applications, 7 of which were later approved.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 89 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 90 -

. dle Up .. and Sad ur Boots k Off Yo !” “Kic Yee-Haw nion Credit U rity First u tion: Sec al Institu Financi ate HEB n: Westg Locatio aco, TX te: Wesl City/Sta Vasquez y: Sandy mitted b z Sub ne Valde r: Christi Manage Branch

Category: Loans Promotion: Throughout March 2013, we held a country-themed promotion to highlight our low interest loan rates. Our slogan was “Kick Off Your Boots and Let Security First Credit Union Saddle You Up In One Of Our Low Interest Rate Loans...Yee-Haw!”

Our business development activity included aisle walks and See You Out Front time where we promoted our “Register to Win.” We served Frito pie and ice cream sundaes the last two Fridays in March. Decorations: We decorated the branch with cactus cutouts, “Wanted” posters of various financial products, and staff members wore flannel shirts and cowboy boots on Fridays and Saturdays. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Promotional PA: “Come saddle up with Security First Credit Union, located here in your HEB. Let us help you get into one of our low interest rate loans and do a Yee-Haw all the way home!” Budget: Under $25 Goal/Results: We set a goal of achieving 45 loan applications. As of March 15, the branch had received 26 loan applications.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 91 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 92 -

old!” ke the G Rates Ta ur Auto “O it Union Star Cred win tution: T cial Insti Finan art iew Walm on: Longv Locati hington ew, Was : Longvi City/State ra Garn y: Teeda mitted b Sub ra Garn r: Teeda Manage Branch

Category: Loans Promotion: Our promotion ran July 27–August 12, coinciding with the Summer Olympics. Promoting our USA medal tracker in the aisles, shoppers learned they could come to the branch and see the most current USA medal counts.

Decorations: We decorated the branch in red, white, blue and the Olympic symbol. Advertising our auto loan rates, we made signs for our kiosk and sign holder. We placed the medal tracker on our cupboards to track the amount of gold, silver and bronze medals that the USA team won during the Olympics. Promotional PA: We wrote several different PA announcements, and we Idea Exchange Idea Exchange Idea Exchange Idea Exchange conducted these every 30 minutes inside the store. Budget: $25–$50 Goal/Results: Our branch goal was to hit $100,000 in loans for the month and to open 10 new accounts.

In July, we hit $201,000 in loans beating our loan goal by 100%, and in August, we gained $143,000. For new accounts, we opened 17 new accounts in July, and in August, we opened 22 new accounts.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 93 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 94 -

d?” al Blizzar a Financi re You in “A it Union Star Cred n: Twin Institutio inancial F ay m Safew tion: Yel Loca ton Washing te: Yelm, City/Sta i Jeske y: Sherr mitted b Sub Jeske r: Sherri Manage Branch

Category: Loans Promotion: We ran our promotion January 1–31. We were promoting debt consolidation with our tag line “In a financial blizzard? Let TwinStar clear your path.” Decorations: We decorated in a very basic winter theme, with snow flakes sprinkled throughout the branch. It was simple and bright, and we received numerous compliments. We really utilized the aisles and PA system with this promotion. We also ran an internal contest to ramp up the efforts.

Promotional PA: “Happy New Year, Safeway shoppers! Multiple credit card payments getting you into a financial blizzard? Let TwinStar Idea Exchange Idea Exchange

Idea Exchange Idea Exchange clear your path by consolidating to one low payment. Stop by TwinStar in front of this store to start the New Year off right!”

Budget: $25–$50 Goal/Results: Our branch goal was to book $225,000 in loan production, and we were able to book $226,000, which was just over our goal.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 95 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 96 -

Learn” h &” ion unc redit Un “L ederal C munity F ant Com n: Reli nstitutio ancial I Fin titution: rt ancial Ins a Walma Fin n: Genev Locatio on: , NY Locati : Geneva ity/State er C : kenheim ity/State Cara Lun C itted by: er Subm kenheim itted by: Cara Lun Subm anager: ranch M B anager: Branch M

Category: Miscellaneous Promotion: We hold a monthly Lunch & Learn for members and non-members alike, focusing specifically on inviting Walmart associates. Our business development activities include aisle walks, where we distribute flyers providing the details for the event.

Each Lunch & Learn last 30 minutes, and for each attendee, we provide a notepad, pen, a printout of the PowerPoint slides , and lunch. We ask each attendee to complete a feedback survey immediately following the event. Past topics have included:

 “Building a Strong Credit History” Learn what a credit report is and what information is included. Also what makes up your credit score, and what affects it? Why it is important to have good credit? Learn tips to improve your credit and how to obtain a credit report.

Idea Exchange Idea Exchange Idea Exchange Idea Exchange  “Managing your Account” Learn how to properly complete a check, the steps needed to balance a checkbook register, and tips on how to keep from overdrawing. We will also discuss tools like online banking and bill pay.

Budget: $25-$50 Goal/Results: Our goal is to provide basic financial education to members and nonmembers alike, while promoting Reliant Community Federal Credit Union. In November 2012, 6 people attended the Credit Score Lunch & Learn. Our average attendance is 1-2 people.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 97 - Idea Exchange Idea Exchange

Lunch & Learn

Survey

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 98 -

l Fever” “Footbal it Union rity Cred Sola titution: ncial Ins Fina almart Valley W n: West Locatio gton , Washin : Yakima City/State y Kline y: Mand mitted b Sub y Kline r: Mand Manage Branch

Category: Miscellaneous Promotion: This promotion ran November 1– 30. We gave away 5 sports-themed baskets.

Each Friday, we threw a tailgate party that included snacks of all sorts. We passed out party flyers in our branch and inserted them inside our Solarity yearly planners. Flyers were also posted in the Walmart’s break room.

Decorations: We decorated the branch with a football theme. Our staff wore custom-made Solarity football jerseys and performed attention-grabbing cheers! Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: $25–$50 Goal/Results: We had many members & non-members come by the branch to see what we were doing, and sign up to win the gift baskets.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 99 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 100 -

r a oin Us fo “J avings” esta of S Fi t Union ral Credi e way Fed dge tion: Bri al Institu Financi art n: Walm Locatio NY : Fishkill, City/State on Richards by: Kyle bmitted n Su ichardso r: Kyle R Manage Branch

Category: Savings/Checking Accounts Promotion: From April 23–May 5, we held a “Fiesta of Savings” promotion to highlight our financial services. For business development, we held a raffle for Walmart customers and employees that featuring a $50 prize package which included a $25 Walmart gift card, tortilla chips, salsa, margarita mix and glasses, and a chip bowl. We conducted aisle walks to inform customers and employees about the raffle, played a salsa CD and danced in front of the branch, encouraging passers-by to join in as well. We attached cards to our name badges that included the promotion’s marketing slogan. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Decorations: We decorated the branch with sombreros, piñatas, balloons and a Mexican flag, and staff members wore sombreros.

Budget: $75-$100 Goal/Results: Our goal was to open 8 accounts during the 2-week promotion, which we surpassed by opening 10 new accounts/memberships.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 101 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 102 -

r ck with Ou k the De “Stac nt” ds Accou B Rewar CN k (CNB) onal Ban ens Nati Citiz titution: ncial Ins Fina er ville Krog n: Sevier Locatio rville, TN te: Sevie City/Sta y Blazier by: Sand bmitted Su Blazier r: Sandy Manage Branch

Category: Savings/Checking Accounts Promotion: For the month of November, we created a poker-themed promotion to highlight CNB’s savings and checking accounts. Decorations: We decorated the branch with a deck of cards that we organized into sets of Poker hands Promotional PA: “Good_____, Kroger customers! Feel like your bank keeps dealing you a bad hand? Stack the deck with a Citizens National Bank Rewards account–a totally free account that comes with a free Idea Exchange Idea Exchange Idea Exchange Idea Exchange debit card, free internet banking, and a chance to earn 2.75% interest! So open an account today and let Citizens National Bank be the “ace” up your sleeve!!

Budget: Under $25 Goal/Results: We had a goal of opening 26 checking accounts and ended up opening 30 accounts during the promotion period!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 103 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 104 - ert With Des tionship our Rela “May Y asting!” Be Everl ols t Union Scho ral Credi ols Fede ert Scho : Des stitution ancial In Fin mart dler Wal n: Chan Locatio ler, AZ : Chand City/State Rus y: Claire mitted b Sub Rus r: Claire Manage Branch

Category: Savings/Checking Accounts Promotion: This promotion ran February 15–March 31st. We had a drawing for a $50 gift card with a Twilight theme. Our tellers handed out “refer-a-friend” slips to existing members at the teller line.

New memberships, referrals and other focus products provided you an entry for the drawing.

We also had a contest on the teller line to see who could get the most refer-a-friend forms returned. We gave a prize to the winning team.

The branch was decorated with a Twilight theme. We had a poster Idea Exchange Idea Exchange

Idea Exchange Idea Exchange Decorations: board set up on our table. We had credit union employees at the front table explaining the promotion and providing details on the giveaway during the promotional period.

Budget: Under $25 Goal/Results: We had a branch goal of 25 entries for the drawing. In the first 10 days of the promotion, we received 12 entries.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 105 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 106 -

k’s icon Ban rate Hor eb “Cel ineup” All-Star L

n Bank : Horico stitution ancial In gly Fin iggly Wig er Dam P on: Beav Locati I Dam, W : Beaver City/State Medal by: Laura bmitted Su Medal r: Laura Manage Branch

Category: Savings/Checking Accounts Promotion: We held a “March Madness” promotion between March 1-31, 2013 to highlight our financial services. Our business development activities included serving popcorn on Fridays and aisle walks where we talked with customers and handed out bank literature to those who were interested in learning more about the bank. Decorations: We hung a March Madness “bracket” on the cabinets that featured various accounts and products, and we displayed a basketball and college jerseys above the cabinets. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: Under $25 Goal/Results: Our goal was to open 10 new accounts. Within the first week, we opened 4 new accounts, 2 customers switched from a regular checking account to the interest earning account, and 1 customer requested a debit card.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 107 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 108 -

a Valued “Become ember” M it Union eral Cred City Fed n: River nstitutio nancial I Fi dera HEB tion: Ban Loca X ntonio, T te: San A City/Sta na eth Corti y: Elizab mitted b a Sub th Cortin r: Elizabe Manage Branch

Category: Savings/Checking Accounts Promotion: Our Fiesta-themed grand opening took place April 27–30 where we encouraged shoppers and in-store employees to “become a valued member.” Our business development activities included a basket giveaway drawing and distributing credit union shopping bags to further promote the new in-store branch.

Budget: $100

Our branch goal was to open 15 new accounts–we opened 20

Idea Exchange Idea Exchange Goal/Results: Idea Exchange Idea Exchange accounts during the 4 day promotion period.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 109 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 110 -

ighbors” Your Ne rom “F dit Union deral Cre r City Fe ive tution: R cial Insti Finan era HEB on: Band Locati tonio, TX : San An City/State na eth Corti y: Elizab mitted b a Sub th Cortin r: Elizabe Manage Branch

Category: Savings/Checking Accounts

Promotion: We held a Fiesta-themed promotion from May 1-31, 2012 to increase general awareness of our checking accounts and financial products. Our business development activities included giveaways for opening an account such as movie passes, goodie bags, and paper money vouchers to be redeemed for a free credit union shopping bag.

Decorations: We decorated our branch to fit the Fiesta theme. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: $100

Goal/Results: We set a branch goal of achieving 50 accounts during the promotional period and reached 49 accounts.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 111 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 112 -

of Are Out ur Rates “O ld” This Wor it Union d deral Cre SAC Fe titution: ncial Ins er Fina uper Sav il Bluffs S n: Counc Locatio Bluffs, IA : Council City/State midt Kleinsch by: Amy bmitted r Su chroede r: Sara S Manage Branch

Category: Savings/Checking Accounts Promotion: The space-themed promotion took place September 1-20 and rewarded members with $50 when they opened a new checking account with direct deposit.

We conducted business development in the aisles by distributing Milky Way® candy bars with “Our financial products are out of this world, let us take you on a tour of our galaxy today!" attached.

Decorations: The branch was decorated with black and blue paper on the walls, stars, planets, shooting stars, and space-themed bragger boards. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Promotional PA: “Good morning, Super Saver shoppers! SAC Federal Credit Union is giving away money! That's right, if you open a checking account with us and set up Direct Deposit, we'll deposit an additional $50 into your account the first time the deposit hits. Come see us today, in front of your Council Bluffs Super Saver to get more information.” Budget: $25-$50 Goal/Results: Our goal was to open 4 checking accounts per employee. We opened 30 new checking accounts during the promotion period.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 113 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 114 -

k llow Bric w the Ye llo “Fo avings” oad to S R dit Union re ederal C SAC F titution: ncial Ins er Fina uper Sav il Bluffs S n: Counc Locatio Bluffs, IA : Council City/State midt Kleinsch by: Amy bmitted r Su chroede r: Sara S Manage Branch

Category: Savings/Checking Accounts Promotion: Throughout the month of April, we held a Wizard of Oz-themed promotion to increase the branch’s number of savings accounts. Our business development activity included a fundraiser for Relay for Life where the SAC team sold lollipops for $1.00 and $3.00. The price was dependent upon the size of the lollipop. Decorations: We decorated the branch with a rainbow made of tulle, cardboard cut-out of the Cowardly Lion, Scarecrow, and Tin Man, tornado, Emerald City, yellow brick road, poppy flowers, lollipops and witch legs. Idea Exchange Idea Exchange Idea Exchange Idea Exchange Promotional PA: “Good morning, Super Saver shoppers! SAC Federal Credit Union is dedicated to providing tailored solutions to support you throughout your life events. That's our mission, and we stick by it! Follow the yellow brick road to savings and experience the SAC Federal Credit Union difference!” Budget: $25-$50

Goal/Results: We wanted to increase the number of savings accounts in the branch, and we ended up opening a total of 23 new savings accounts during the promotion period.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 115 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 116 -

r Rates “Are You ing?” Frighten

dit Union re ederal C SAC F titution: ncial Ins er Fina uper Sav il Bluffs S n: Counc Locatio Bluffs, IA : Council City/State midt Kleinsch by: Amy bmitted r Su chroede r: Sara S Manage Branch

Category: Savings/Checking Accounts Promotion: Our promotion ran from September 21-October 31 to increase number of checking accounts. The branch also entered an in-store Pumpkin Carving Contest and tied for first place!

Decorations: We decorated the branch with "cobblestone" walls, spider webs, a Halloween chalk drawing, and gravestones. Promotional PA: “Good afternoon, Super Saver Shoppers! Does it frighten you to look at your financial statements from your bank? Let SAC Federal

Idea Exchange Idea Exchange Credit Union "treat" you, and stop allowing those other banks to Idea Exchange Idea Exchange "trick" you. We offer checking accounts, a free debit card and internet banking. So slide into SAC Federal Credit Union right here in front of your Super Saver and ask for more details!”

Budget: $25-$50 Goal/Results: We set a goal of achieving 4 new checking accounts per employee. The branch achieved 20 new checking accounts during the promotion period.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 117 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 118 -

s” ight Tune “Friday N ank B tion: TS al Institu Financi e n: Hy-Ve Locatio Bluffs, IA : Council City/State Joyce y: Jackie mitted b Sub land r: Jeri No Manage Branch

Category: Savings and Checking Accounts Promotion: Our “Friday Night Tunes” promotion took place July 6-27, 2012 to promote our checking accounts. Starbucks provided trays of free samples that we distributed during aisle walks. We also offered a drawing for a Flip cam, iTunes gift cards, and T-shirts. Decorations: We decorated the dining area with two large panels that had our bank logo on them. The band played in front of the panels, and we also set up a table of goodies. Our TS Bank staff wore Kasasa concert t-shirts, jeans, and Kasasa aprons. Promotional PA: “Hello, Hy-Vee shoppers! Free checking. Free downloads. No

Idea Exchange Idea Exchange kidding. Stop by TSBank and let us tell you about our Tunes Idea Exchange Idea Exchange account. TSBank and Hy-Vee. Today, tomorrow, together!” Budget: $100 Goal/Results: Our goal was to use music as a way to build new relationships and generate new checking accounts. The promotion resulted in 4 new accounts, and many of TS Bank’s current customers converted from their basic TS checking account to the Kasasa Tunes account.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 119 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 120 -

TAR!” a Twin S “Become it Union Star Cred : Twin stitution ancial In Fin Safeway n: Yelm, Locatio , WA te: Yelm City/Sta ie Quinn y: Debb mitted b Sub Jeske r: Sherri Manage Branch

Category: Savings/Checking Accounts Promotion: Our promotion to gain new accounts ran February 1–March 31. We hit the aisles giving members a taste of TwinStar celebrity life, offering goody bags and inviting shoppers to join the credit union. We also had a "spot the celebrity" challenge where we placed Elvis throughout the store challenging shoppers to be the first one to bring him back. The winner received a free coffee at Starbucks. Decorations: We decorated with a Hollywood Premier night theme. We used a large marquee sign to draw in the eye. We wanted people to feel like they were attending a red carpet event when they entered our branch. They were even greeted by one of the most recognized celebrities in the world...ELVIS! Idea Exchange Idea Exchange Idea Exchange Idea Exchange Promotional PA: “Good morning, Safeway shoppers! Come join the STARS at TwinStar Credit Union, where our members are always treated like celebrities! When you open a new account you will be entered in to a drawing for Celebrity gift basket. Hurry to the front of Safeway to get started!” Budget: Over $100 Goal/Results: Our goal was to net 50 new members over the 2-month promotional period. At of the time of the entry, there were 14 working days left in the month and we had gained 41 new members… well on target to exceed our goal!

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 121 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 122 -

r App!” “Pick You it Union kers Cred r tion: Wo al Institu Financi art on: Walm Locati ster, MA : Leomin City/State to ew Capu by: Andr bmitted Su w Caputo r: Andre Manage Branch

Category: Savings/Checking Accounts Promotion: Between September 3-28, 2012, we held a “Pick Your App!” promotion to increase the number of new “apps” (loan apps, membership apps, or smartphone app downloads) received by the branch. For business development, each staff member spent their aisle walk time mentioning this promotion to shoppers and store employees. We also had a raffle near the end of the month for a gift certificate to a local apple orchard! Decorations: We cut out a large number of apples from red and green construction paper and hung them all around the branch. We also had apples in a basket on a table for shoppers to take and signs saying "Pick Your App!" Idea Exchange Idea Exchange Idea Exchange Idea Exchange Budget: $50-$75 Goal/Results: Our goal was to bring in 20 new "apps" during the month, which included loan apps, membership apps, or smartphone app downloads. As a result of the promotion, we opened 17 new membership accounts during the month and accepted 7 new loan applications for a total of 24 new "apps.” We also increased members’ awareness of our smartphone app.

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona - 123 - Idea Exchange Idea Exchange

April 16–18, 2013 27th National In-Store Banking Conference Chandler, Arizona