Marketing Web Portal

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Creative Advertising

Created on the Web!

Credit Union Services and Products – Sep. 2011

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September 15, 2011

Walking back from lunch at the

Lake Calhoun Beach Club

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Target Field

The summer we do not tell anyone about.

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Creative Advertising

Remarkable Checking™.

5 Year CD & IRA CD Accounts

3.25 % APY

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AGENDA

• Ripped from the Headlines

• Survey

• Advertising Creation – Pre Web

• Web Revolution

• Advertising Creation – Post Web

• Process Changes

• Credit Union Benefits

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Ripped from the Headlines – Marketing Expenses

• Asset Class Expense ($) Growth

• $1B+ $2,025,756 -14.80%

• $500M - $1B $815,936 -13.25%

• $250 - $500M $479,353 -11.77%

• $100 - $250M $207,558 -10.88%

• $50M - $100M $88,154 -8.18%

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• Asset Class Expense ($) Growth

• $20M - $50M $34,566 -9.95%

• $10M - $20M $11,324 -10.7

• All in US $120,036 -11.40%

Ripped from the Headlines – Marketing Expenses

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Ripped from the Headlines!

• July 17, 2009 – Two $1 billion dollar banks fail within 40 miles of several credit unions

• Credit Union executives call meeting to discuss opportunities

• Ask Yourself: When will we have something to send out to our

members? To disgruntled customers of failed institutions?

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Survey

• How many of you increased your marketing budget this year?

• How many of you have cut your marketing budget this year? <10%

10% to 20%

20% to 50%

>50%

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Survey

• How do you get your creative materials today? Internal

CUNA Mutual, WKFS

Trade association

Marketing CUSO

Marketing Firm

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Where do you spend marketing $$

• Internal employees

• Outside marketing agencies

• Print Media

• Digital Media

• Web

• Other

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How long does it take to get Advertising Materials?

• Same day

• Next day

• A week

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Pre - Web

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Today

Budget

VendorsDelivery

Service

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Budget

• Budgets remain very tight

• Shifting marketing dollars = shifting marketing approach

• Save staff – reduce vendor dollars

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Service

• To your members?

• Internal expectations?

• Example: NCUA Insurance Change

• Example: Member education on overdraft protection

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Delivery

• Newspapers

• Statement Enclosures

• Lobby Signs

• Donation Ads

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Vendor Management

• How many?

• Communication?

• Due Diligence?

• Performance?

• Cost?

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The Web Revolution

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Survey - Continued

• How many of you have abandoned your land line?

• How many of your children have no land line?

• How many of you have advertisements on your widescreen TV in the lobby?

• How many of you use QR Codes to focus member’s interests?

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Web Changes

• What percent of the population has tried to open up an account online?

• 45%

• Source: Creditunions.com

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Web Changes

• What percent of the US adult population has internet access?

• > 78%

• Source: World Bank

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Web Changes

• What is the percent of internet users by age?

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Internet Users by Age

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Advertising Creation

Post Web

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Creation – Vendor Management – Budget - Service

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Why Web Access?

• Streamline creation process

• Streamline media buy process

• Retain Quality

• Access to thousands of advertising items and millions of photos (upload your own as well)

• Save time and money

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Creation Process

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Media Buy

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Media Buy

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Retain Quality

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Photo Library

• Over 2,000,000 included

• Import

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Product Availability

• Newspaper Advertisements

• Direct Mail

• Internal Flyers

• External Flyers

• Posters

• Brochures

• Statement Stuffers

• Event/Sports documents

• Letters

• Internet Banner Ads

• Digital Media

• QR Codes

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Save Time

• Creation Completed at your desk

No waiting for outside vendors

Available 24X7

• Approvals Legal/Compliance

Executive

Remote

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• Current Process

• Marketing firm – $175 to insert a logo

• Third party provider – Includes markup

• Photo licensing up to $75 per photo

• Printing cost – 15% to 25% markup at newspapers

• Web Process

• Employee to create – $12 to $15 per hour

• No “profit markup”

• Photo licensing included

• In house printing – no cost

• No “lost opportunity” time

• Unlimited usage for as low as $399/month

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Questions??

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THANK YOU

• Gary Hess

• President, RTE Financial Services

• 1-320-260-0135

• Gary.hess@rtefs.com

• www.rtefs.com