12-15 Age Segment

Prepaid Card

• The reloadable student card is specially designed to give teens, college students and young adults spending independence and responsibility, while keeping their parents informed, involved and in control of part or all of their children's finances. With the student card, the child gets to carry a card with their name on it, giving them a sense of financial independence, but the parent determines the amount to be loaded onto the card, so they control spending. Both parent and child can check the account balance and purchases online, at any time.
• The Student Card is a great tool for parents to teach financial literacy and budget responsibility, and a great way for your credit union to reach out to potential new members.
• Gift cards are an important addition to your prepaid card offering too. 98% of teens between the ages of 14 and 19 have purchased or received a gift card. Teens have grown up with gift cards and are comfortable using them, buying them and giving them to friends.
• Both types of cards will be important tools in your product offering.

• PSCU-FS will be offering electronic statements to cardholders in the near future!
• Subscribers of InfoLinkPlus and Data eXchange will have a new supplemental solution that allows their members to sign-up for eStatements, eliminating hard copy statements as desired.
• Members will also be able to deactivate from eStatements as well.
• Cardholders will be notified via email when their monthly electronic billing statement is ready. They will then log into the appropriate application (PSCU-FS hosted or CU hosted) to pick-up their new eStatement.

College Funding

Reach Gen Yers through their parents with College Funding Products:

• Credit Union Student Choice is a CUSO that provides a private student lending product created by credit unions for credit unions. 
• Among many of the benefits, the credit union now has an avenue to reach the 18-24 year old age group with a product that is appealing and extremely competitive in today's market.
• The participating credit union holds the loan on their books, rather than referring the loan away, as has been historically the case with many credit unions offering a student lending solution. 
• The CUSO handles the application process, credit decision and underwriting (as outlined by credit union), loan processing and disbursement, certification to school, servicing, insurance, and collections and recovery.   
• Owners of the CUSO include PSCU Financial Services, Callahan and Associates, Trust for Credit Unions, and CUDL, as well as several credit unions across the Country. 
• For more information please contact Melissa Hunt at Credit Union Student Choice – mhunt@studentchoice.org or (202) 904-4268.

• Collegiate Funding Solutions is a leading provider of integrated, web-based college planning technology solutions. 
• It's like TurboTax Online in that it is web-based, simple to use, provides an online questionnaire to collect information and generates a customized solution for the user. 
• The goal of CFS is to help your members most effectively plan and efficiently pay for college and the end result can be thousands of dollars of savings on out-of-pocket college costs.
• One of the program's strengths is the ability to help parents of Gen Yers prepare and pay for college, regardless of the amount of lead-time.  Whether the member's child is 13 or 18, the solution will show your member strategies for leveraging their specific circumstances to create a winning college funding game-plan. 
• Drive new deposit accounts – College planning is perfect context for new account promotions for college-bound students.
• Open/Enhance marketing channels (Online, SEGs, Schools, etc.). Provide a service that links baby boomers and their children to the credit union.
• Increase revenue: Custom reports provide context for appropriate back-end products/services and referrals back to the credit union:
  • Back-end sales/Opportunities for Credit Unions
  • Investments
  • Loans (home equity, personal, student)
  • Insurance
  • Student services – checking and credit card. Tie to special promotions!
• For more information about the product and special pricing contact Ed Walton at CFS – (513) 319-9228 or ewalton@cf-solutions.com.

16-18 Age Segment

Prepaid Card

• The reloadable student card is specially designed to give teens, college students and young adults spending independence and responsibility, while keeping their parents informed, involved and in control of part or all of their children's finances. With the student card, the child gets to carry a card with their name on it, giving them a sense of financial independence, but the parent determines the amount to be loaded onto the card, so they control spending. Both parent and child can check the account balance and purchases online, at any time.
• The Student Card is a great tool for parents to teach financial literacy and budget responsibility, and a great way for your credit union to reach out to potential new members.
• Gift cards are an important addition to your prepaid card offering too. 98% of teens between the ages of 14 and 19 have purchased or received a gift card. Teens have grown up with gift cards and are comfortable using them, buying them, and giving them to friends.
• Both types of cards will be important tools in your product offering.

• Combine your credit card offer with the customization of digital art.
• Offer life stage-event art for those milestones in a teen's life:
  • getting a driver's license (age 15 through 16).
  • first job (16 through 18)
  • first car (16 through 18)
  • starting college (age 18)
• In the future your members will be able to customize the image on their cards with their own digital art.

• Gen Y grew up with technology and that extends to their banking needs as well.
• They want to take care of their financial transactions on their terms – when they want and using the channel that is most convenient at that point in time.
• Often this takes the form of a debit transaction at retail or at an ATM.
• A debit card is in – checks are out!

• Gen Y does everything on line and managing their money is no exception. A must have for this generation.

• Depending on the maturity level of the teen, a parent may choose to provide a credit card for the teen, particularly when they start driving so they can add gas to the car!
• This might be in the form of an authorized user credit card, a secure way for the parent to introduce them to the use of credit while teaching responsible card usage.
• When they turn 18, the parent may opt to provide a credit card that they co-sign for the use of college-related expenses on campus or when the young adult goes out into the working world on a full-time basis.

• Javelin Research reports that over half of the older Gen Y segment has received a financial alert from their FI in the past 12 months.
• Build a better experience for Gen Y and build loyalty and trust by making Alerts part of your Gen Y product offering.
• Available in the 3rd quarter of 2008, our Alerts program will include notifications about credit card payment due dates, payment post dates, account balances below a designated amount, and credit limits.

• PSCU-FS will be offering electronic statements to cardholders in the near future!
• Subscribers of InfoLinkPlus and Data eXchange will have a new supplemental solution that allows their members to sign-up for eStatements, eliminating hard copy statements as desired.
• Members will also be able to deactivate from eStatements as well.
• Cardholder will be notified via email when their monthly electronic billing statements is ready. They will then log into the appropriate application (PSCU-FS hosted or CU hosted) to pick-up their new eStatement.

College Funding

Reach Gen Yers through their parents with College Funding Products:

• Credit Union Student Choice is a CUSO that provides a private student lending product created by credit unions for credit unions. 
• Among many of the benefits, the credit union now has an avenue to reach the 18-24 year old age group with a product that is appealing and extremely competitive in today's market.
• The participating credit union holds the loan on their books, rather than referring the loan away, as has been historically the case with many credit unions offering a student lending solution. 
• The CUSO handles the application process, credit decision and underwriting (as outlined by credit union), loan processing and disbursement, certification to school, servicing, insurance, and collections and recovery.   
• Owners of the CUSO include PSCU Financial Services, Callahan and Associates, Trust for Credit Unions, and CUDL, as well as several credit unions across the Country. 
• For more information please contact Melissa Hunt at Credit Union Student Choice – mhunt@studentchoice.org or (202) 904-4268.

• Collegiate Funding Solutions is a leading provider of integrated, web-based college planning technology solutions. 
• It's like TurboTax Online in that it is web-based, simple to use, provides an online questionnaire to collect information and generates a customized solution for the user. 
• The goal of CFS is to help your members most effectively plan and efficiently pay for college and the end result can be thousands of dollars of savings on out-of-pocket college costs.
• One of the program's strengths is the ability to help parents of Gen Yers prepare and pay for college, regardless of the amount of lead-time.  Whether the member's child is 13 or 18, the solution will show your member strategies for leveraging their specific circumstances to create a winning college funding game-plan. 
• Drive new deposit accounts – College planning is perfect context for new account promotions for college-bound students.
• Open/Enhance marketing channels (Online, SEGs, Schools, etc.). Provide a service that links baby boomers and their children to the credit union.
• Increase revenue: Custom reports provide context for appropriate back-end products/services and referrals back to the credit union:
  • Back-end sales/Opportunities for Credit Unions
  • Investments
  • Loans (home equity, personal, student)
  • Insurance
  • Student services – checking and credit card. Tie to special promotions!
• For more information about the product and special pricing contact Ed Walton at CFS – (513) 319-9228 or ewalton@cf-solutions.com.

19-22 Age Segment

Checking with Debit Card

• Gen Y grew up with technology and that extends to their banking needs as well.
• They want to take care of their financial transactions on their terms – when they want and using the channel that is most convenient at that point in time.
• Often this takes the form of a debit transaction at retail or at an ATM.
• A debit card is in – checks are out!

• When they turn 19, the parent may opt to provide a credit card in the name of the teen that they co-sign for the use of college-related expenses. If the teen goes out into the working world on a full-time basis the parent can help by giving them a start to build credit.

• Offer a program that includes rewards redeemable with low point values and with an understanding of a Gen Y lifestyle.

• Combine your credit card offer with the customization of digital art.
• Offer life stage-event art for those milestones in a teen's life:
  • first home
  • starting a full-time job
  • first car
• In the future your members will be able to customize the image on their cards with their own digital art.

• Javelin Research reports that over half of the older Gen Y segment has received a financial alert from their FI in the past 12 months.
• Build a better experience for Gen Y and build loyalty and trust by making Alerts part of your Gen Y product offering.
• Available in the 3rd quarter of 2008, our Alerts program will include notifications about credit card payment due dates, payment post dates, account balances below a designated amount, and credit limits.

• PSCU-FS will be offering electronic statements to cardholders in the near future!
• Subscribers of InfoLinkPlus and Data eXchange will have a new supplemental solution that allows their members to sign-up for eStatements, eliminating hard copy statements as desired.
• Members will also be able to deactivate from eStatements as well.
• Cardholders will be notified via email when their monthly electronic billing statementis ready. They will then log into the appropriate application (PSCU-FS hosted or CU hosted) to pick-up their new eStatement.

• Gen Y does everything on line and managing their money is no exception. A must have for this generation.

• The new Member Enrollment module is designed to attract profitable member relationships through online member enrollment integrated with account opening and funding.
• The entire enrollment process can be customized and is performed in real-time.
• Gen Y wants to do their banking on their terms and their schedule. You can enroll new members or reach out to current members any time of the day or night.
• The module includes member relationship screening, identity verification and OFAC checking with automatic funding by transfer or credit card.

• Customize messages to Gen Y'ers on monthly statements.
• Promote special offerings and events that will build loyalty with this segment.

College Funding

Reach Gen Yers through their parents with College Funding Products:

• Credit Union Student Choice is a CUSO that provides a private student lending product created by credit unions for credit unions. 
• Among many of the benefits, the credit union now has an avenue to reach the 18-24 year old age group with a product that is appealing and extremely competitive in today's market.
• The participating credit union holds the loan on their books, rather than referring the loan away, as has been historically the case with many credit unions offering a student lending solution. 
• The CUSO handles the application process, credit decision and underwriting (as outlined by credit union), loan processing and disbursement, certification to school, servicing, insurance, and collections and recovery.   
• Owners of the CUSO include PSCU Financial Services, Callahan and Associates, Trust for Credit Unions, and CUDL, as well as several credit unions across the Country. 
• For more information please contact Melissa Hunt at Credit Union Student Choice – mhunt@studentchoice.org or (202) 904-4268.

• Collegiate Funding Solutions is a leading provider of integrated, web-based college planning technology solutions. 
• It's like TurboTax Online in that it is web-based, simple to use, provides an online questionnaire to collect information and generates a customized solution for the user. 
• The goal of CFS is to help your members most effectively plan and efficiently pay for college and the end result can be thousands of dollars of savings on out-of-pocket college costs.
• One of the program's strengths is the ability to help parents of Gen Yers prepare and pay for college, regardless of the amount of lead-time.  Whether the member's child is 13 or 18, the solution will show your member strategies for leveraging their specific circumstances to create a winning college funding game-plan. 
• Drive new deposit accounts – College planning is perfect context for new account promotions for college-bound students.
• Open/Enhance marketing channels (Online, SEGs, Schools, etc.). Provide a service that links baby boomers and their children to the credit union.
• Increase revenue: Custom reports provide context for appropriate back-end products/services and referrals back to the credit union:
  • Back-end sales/Opportunities for Credit Unions
  • Investments
  • Loans (home equity, personal, student)
  • Insurance
  • Student services – checking and credit card. Tie to special promotions!
• For more information about the product and special pricing contact Ed Walton at CFS – (513) 319-9228 or ewalton@cf-solutions.com.

23-30 Age Segment

Checking with Debit Card

• Gen Y grew up with technology and that extends to their banking needs as well.
• They want to take care of their financial transactions on their terms   when they want and using the channel that is most convenient at that point in time.
• Often this takes the form of a debit transaction at retail or at an ATM.
• A debit card is in – checks are out!

• Offer a program that includes rewards redeemable with low point values and with an understanding of a Gen Y lifestyle.

• Gen Y does everything on line and managing their money is no exception. A must have for this generation.

• The new Member Enrollment module is designed to attract profitable member relationships through online member enrollment integrated with account opening and funding.
• The entire enrollment process can be customized and is performed in real-time.
• Gen Y wants to do their banking on their terms and their schedule. You can enroll new members or reach out to current members any time of the day or night.
• The module includes member relationship screening, identity verification and OFAC checking with automatic funding by transfer or credit card.

• Javelin Research reports that over half of the older Gen Y segment has received a financial alert from their FI in the past 12 months.
• Build a better experience for Gen Y and build loyalty and trust by making Alerts part of your Gen Y product offering.
• Available in the 3rd quarter of 2008, our Alerts program will include notifications about credit card payment due dates, payment post dates, account balances below a designated amount, and credit limits.

• PSCU-FS will be offering electronic statements to cardholders in the near future!
• Subscribers of InfoLinkPlus and Data eXchange will have a new supplemental solution that allows their members to sign-up for eStatements, eliminating hard copy statements as desired.
• Members will also be able to deactivate from eStatements as well.
• Cardholders will be notified via email when their monthly electronic billing statement is ready. They will then log into the appropriate application (PSCU-FS hosted or CU hosted) to pick-up their new eStatement.

• Customize messages to Gen Y'ers on monthly statements.
• Promote special offerings and events that will build loyalty with this segment.