1. Credit Union Youth Marketing and Education “In Black & White” Offered by Heather H. Harris, DE MCUL Custom Training

2. “Poverty among twenty-somethings has increased by 50% since the mid-1970’s.” Source: “Beyond Generation X” by Claire Raines

3. “In the 1950’s young homeowners could make the monthly mortgage payment by using 14% of their income. Today it takes 40%.” Source: “Beyond Generation X” by Claire Raines

4. Source: Bryan Sims - “The Credit Union Journal,” August 2004 “…Capture them in that transition from17 to 18, when they graduate, get their first job, move out of the house.” “The second they hit 18, they’re on every kind of mailing list, from credit cards, to tobacco companies, to the Army Reserve.”

5. Source: “Marketing Across the Generations: Age 0 to 19” offered by CUNA & Affiliates, Inc. “Parent’s financial habits are reflected in how their children spend and save.”

6. “Fortune 500 companies are laying off workers at an unprecedented pace. The trend is expected to worsen.” Source: “Beyond Generation X” by Claire Raines

7. “The median price of a home (adjusted for inflation) has increased by 78% in the last 30 years.” Source: “Beyond Generation X” by Claire Raines

8. “Today, a 30 year old man can expert to earn 25% less than his father did at the same age. By contrast, his father earned more than Grandpa did at 30.” Source: “Beyond Generation X” by Claire Raines

9. “College age credit card holders are diving deeper into debt with high balances ranging between $3,000 and $7,000, up 61% since 2000. Nellie Mae, April 2002 Source: Bryan Sims, Brass Media – www.brassmedia.com Nellie Mae, April 2002

10. Source: “Marketing Across the Generations: Age 0 to 19” offered by CUNA & Affiliates, Inc. “Just 8% of credit union members are in the 18-24 range.”

11. Source: Bryan Sims, Brass Media – www.brassmedia.com “The 18-25 age group is the credit union industry’s ‘forgotten market.’ Credit unions stop marketing when everyone else starts.”

12. Source: “Marketing Across the Generations: Age 0 to 19” offered by CUNA & Affiliates, Inc. “The minute students get out of high school, the credit card offers come pouring in.”

13. Source: The Gallop Organization, 2003 “51% of young adults aged 18-29 think they will have over $1 million in assets at some point in their life.”

14. Source: CUNA & Affiliates, Inc. – www.cuna.coop “Roughly 25% of credit unions offer formal youth programs.”

15. Source: Bryan Sims, Brass Media – www.brassmedia.com The Credit Union Journal – April 2005 RE: The New“Citi mtvU Credit Card” “This is the biggest push the financial sector has ever seen,” said Sims. “It is the first nail in the coffin for credit unions if they don’t wake up and change quickly. With a brand like MTV issuing credit cards with Citi, how can credit unions compete? The impacts of this will be seen five or 10 years from now when credit unions have no more borrowers…because they all got their first credit card with Citi and MTV.”

16. Source: Filene Research Institute – 2004 “Age alone isn’t a sufficient indicator of young consumers’ financial needs. Marital status and the presence of children in the household are other key components in segmenting this market.”

17. Source: Bryan Sims, Brass Media – www.brassmedia.com Jupiter Communications – 2001 “Teenagers alone influence $324 billion in spending annually.”