Bryan and Matt's presentation at the CUNA Mutual Group Discovery Conference

1. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

2. Generation Y: The Future
of Credit Unions
Matt Dean, CEO-Trabian
Bryan Sims, CEO-brass|MEDIA Inc.
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

3. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

4. Entrepreneurial
common vision • uncommon experience • think discovery
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5. Entrepreneurship
• Ebay
– 724,000 primary or secondary income
– 1.5 million supplement their income
• In processing interviews in New York City
Family Court, kids still say they want most to
be NBA basketball players.
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

6. Entrepreneurship
• Ebay
– 724,000 primary or secondary income
– 1.5 million supplement their income
• In processing interviews in New York City
Family Court, kids still say they want most to
be NBA basketball players.
– The second most frequent response is quot;to be an
entrepreneur.quot;
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

7. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

8. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

9. Helping People
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

10. Charity/Social Drive
• $926 million- donations from 8-18 year olds
in 2004
• 86% consumers say they are likely to switch
brands associated with a good cause given
all things equal
– 50% are willing to pay 5-10% more
• 58% of Americans will purchase products
that donate a percentage to causes
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

11. Charity/Social Drive
• Target Guest Card-
– Customers donate 1% of purchase to local school
of their choice
– On school web sites, “If you shop at Target, please
consider designating Sanford Middle School as
your choice for giving.”
– Target opened 11 million accounts and schools got
$23 million
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

12. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

13. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

14. Technology
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

15. Technology
“Members of the My Media
Generation can fit up to 44 hours
of activities in just one day…”
-Yahoo.com
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

16. Blogs
common vision • uncommon experience • think discovery
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17. RSS
common vision • uncommon experience • think discovery
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18. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

19. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

20. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

21. Technology
750,000 in 48
hours
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

22. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

23. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

24. Picture Perfect
Visa Credit – November 2005
Ø 8,447 accounts
Ø 7% increase in transactions
Ø 9% increase in balances
Ø 22% decrease in checks written
Visa Debit – March 2006
Ø 10,021 accounts
Ø 13% increase in transactions
Ø 7% increase in balances
Ø 18% decrease in checks written
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

25. Wesabe
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

26. 00%
90%
90%
84% 83%
80%
80% 77%
69% 68%
70%
62%
59%
60% 57%
18-34
35-44
50%
48% 45-54
50% 47%
55-64
65 or older
40%
39%
40% 37%
35%
32%
30%
20%
20% 17%
10%
common vision • uncommon experience • think discovery
0%
ATM withdrawals Check cards Online banking Online bill pay
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

27. Technology
Not just technology…
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

28. Young adults view
physical branches just
as importantly as Baby
Boomers
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

29. Apple Genius Bar
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

30. Umpqua Bank
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

31. 2006 Internet
advertising is up 34%
from 2005
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

32. But…..
…10% to 15% of the
advertising traffic is
likely click fraud
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

33. More than 230 million
Americans have cell
phones
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

34. But……
common vision • uncommon experience • think discovery
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35. Magazine circulation
decreased 5.5% the
past 12 months
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

36. But….if you drill deeper…
Average Magazine Titles Read in
Past 6 Months
19-24 year olds- 18.3
45-54 year olds- 16.7
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

37. Meanwhile, 71% of 13-24 year olds
still read magazines…
…58% of those said even if they can
get the same information online
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

38. YouTube serves
200 million videos
per day!
common vision • uncommon experience • think discovery
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39. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

40. Don’t just do it because its ‘cool’
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

41. ESPN Cable ESPN Magazine ESPN Podcast
ESPN Zone Restaurant ESPN Web Video ESPN Mobile
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

42. Then why should
you care?
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

43. Worst Bank Ever.
common vision • uncommon experience • think discovery
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44. June 18-19, 2007
kellyd
I'm going to tell you all a short story about the worst bank ever.
To protect the innocent we'll just call this bank Tells Largo.
I am trying to close my account at Tells Largo. So far it
has taken 7 days and 4 phone calls....and it's still open!!
I think there may be one competent person at Wells
Fargo. Of course, I won't believe it until my acct is closed,
which hasn't happened yet.
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

45. June 21, 2007
chaztoo
Wells Fargo: Thanks so much for calling ME & putting
ME on hold for 30 seconds before talking to me. Actually,
eat a bowl of rats.
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

46. June 14, 2007
Tracking Overdraft Fees
1. Wachovia: $26.63 (0.99 overdrafts per account; $26.79 average fee)
2. U.S. Bank: $22.42 (0.70 overdrafts per account; $31.85 average fee)
3. Washington Mutual: $21.14 (0.76 overdrafts per account; $27.76 average fee)
4. Bank of America: $15.19 (0.48 overdrafts per account; $31.41 average fee)
5. Wells Fargo: $12.42 (0.38 overdrafts per account;
$32.59 average fee)
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

47. But you’re not
Wells Fargo.
common vision • uncommon experience • think discovery
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48. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

49. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

50. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

51. DarrenBarefoot.com
I Wanted to Like Vancity, But Now I Loathe Them
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

52. Unfair? Probably.
Important? Absolutely.
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

53. ‘No credit’ is not ‘bad
credit’
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

54. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

55. common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

56. Take Aways
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

57. Take Aways
All departments, not just
marketing
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

58. Take Aways
New and/or rotating
board members
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

59. Take Aways
All aspects of media
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

60. Take Aways
Young adults ARE profitable
– 69% college students kept accounts at
same institution
– Biggest increase in new homers were
under 25
– Lower cost of servicing
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

61. Take Aways
Lurk, participate,
THEN create
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

62. Take Aways
Be open to criticism
(but be sure to respond)
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

63. Take Aways
Work in progress, never
finished
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

64. Websites to check out
• www.earlyearners.com
• www.wesabe.com
• www.zillow.com
• www.espn.com
• www.coastalfcu.org/studentbanking
• www.umpquabank.com
• www.zopa.com
• blog.wellsfargo.com/StudentLoanDown/
• blog.veritycu.com
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

65. Questions?
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

66. www.opensourcecu.com/discovery
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

67. Contact Information
Speaker Name: Bryan Sims
Phone Number: 541-753-8546
Email Address: BryanSims@brassmedia.com
Speaker Name: Matt Dean
Phone Number: 317-596-3537
Email Address: matt@trabian.com
common vision • uncommon experience • think discovery
© CUNA Mutual Group 2007. Reproduction, adaptation or distribution without permission of CUNA Mutual is prohibited.

68. common vision • uncommon experience • think discovery
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69. common vision • uncommon experience • think discovery
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70. common vision • uncommon experience • think discovery
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