2. Here are the retail trends that we’ll be looking at that have implications for the credit union industry: The Rise of Omnichannel Shopping Mobile’s Momentum Big Data and Personalization Redefining the Brick-and-Mortar-Store New Retail Concepts Birth Customized, Crowdsourced Merchandise The Rise of Social Networks Amid the Millennial Revolution 2

3. The Rise Of Omnichannel Shopping Online shopping is reducing shoppers’ trips to Brick-and- Mortar Stores Stores are adding buy online, pick up in store options to win back business 3

4. Mobile’s Momentum Americans spend more time on a mobile device than watching TV Smartphone owners spend more money in stores than their non-owning counterparts 4

5. Big Data and Personalization Big data is gleaned from shoppers’ online purchases and activity on social networks Retailers like Amazon are sending shoppers more personalized merchandise offers 5

6. Redefining the Brick-and-Mortar Store Stores are being designed to entertain and engage shoppers Digital technology is enhancing and simplifying in-store shopping 6

7. . New Retail Concepts Birth Customized, Crowdsourced Merchandise Online retailers are offering one-of-a-kind, customized products Shoppers have a say in what products get sold via crowdsourcing 7

8. The Rise of Social Networks Amid the Millennial Revolution The Millennial generation will be the biggest consumer- buying group by 2020 They use sites like Pinterest and Instagram as “social shopping” venues 8

9. The Rise Of Omnichannel Shopping Online shopping is reducing shoppers’ trips to Brick-and- Mortar Stores Stores are adding buy online, pick up in store options to win back business 9

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11. Mobile’s Momentum Americans spend more time on a mobile device than watching TV Smartphone owners spend more money in stores than their non-owning counterparts 11

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13. Source: eMarketer, “US Mobile Payments to Top $1 Billion in 2013, “ July 11, 2013. 13

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15. Big Data and Personalization Big data is gleaned from shoppers’ online purchases and activity on social networks Retailers, like Amazon are sending shoppers more personalized merchandise offers 15

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17. Redefining the Brick-and-Mortar Store Stores are being designed to entertain and engage shoppers Digital technology is enhancing and simplifying in-store shopping 17

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22. . New Retail Concepts Birth Customized, Crowdsourced Merchandise Online retailers are offering one-of-a-kind, customized products Shoppers have a say in what products get sold via crowdsourcing 22

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25. The Rise of Social Networks Amid the Millennial Revolution The Millennial generation will be the biggest consumer- buying group by 2020 They use sites like Pinterest and Instagram as “social shopping” venues 25

26. Source: “Who Are the Millennial Shoppers? And What Do They Really Want?” Accenture, June 2013 26

27. Source: 8thBridge’s Third Annual Social Commerce IQ Study 27

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