1. SEPTEMBER 11, 2014 BANK VS. CREDIT UNION

2. INTRODUCTION VIDEOS http://www.youtube.com/watch?v=cq6ziybK_84 http://www.youtube.com/watch?v=fdOKBz_aedY

3. CREATE A VENN DIAGRAM Credit Union Bank Both

4. Not for Profit Members NOT shareholders 30,000+ surcharge-free ATMs Elections are based on 1 member vote (1-vote philosophy) Democratically governed Insured by NCUA up to 250,000 Lower Fees Better rates Free ATMs Local and community based Member support CREDIT UNIONS

5. Earnings go to outside bond and stockholders Insured by FDIC up to 250,000 Governed by paid shareholders Voting rights depend on number of shares owned BIG! Average size is double of a credit union. Have customers and shareholders. MUST make money from customers to PLEASE shareholders. Must use their ATMs Fees for ATM outside use Profit corporations Offer full range of financial products and services BANK

6. Checking Accounts Credit Cards Auto Loans mortgages Home equity loans Savings Accounts ATM/debit cards BOTH