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SOUTHEAST FINALIST

Ronaldo Hardy

Branch Coordinator La Capitol Federal Credit Union ($400M)Baton Rouge, Louisiana

Your MINDYour APPROACH

Your IMAGEYour CREDIT UNION

REFRESH

The HiP Movement

The HiP Account

Checking Account-Standard Included for FreeOnline Banking

Online Bill Pay

1st Visa Check Card

No Monthly Service Fees (10 debit card transactions)

Annual Financial Review

Mobile Banking and Account Alerts

Finance Works

The HiP Account

Tier 1 Tier 2 Tier 3

1 Free box of checks per year

3 NSF Reversals per year

Extra dividend at the end of year—If account is satisfactory (3 or less NSF’s per year)

1 Free Replacement card per year

Free Nationwide access to ATM’s

Loan Discount of .25%

Start HiP Loan Program Starting with the future share with the loan of $500 for 6 months(Earns $8.36 interest @ 8.0% rate)

Once paid off, a share secured loan of $500 for 6 months(Earns $3.92 interest @ 3.75%)

Once paid off, a signature loan of $500 for 6 months(Earns $12.57 interest using C Paper rate 12%)

1st Time Car Buyers Program- Relax standards and couple with education. (Earns $2,617.92 interest based on $15k loan using C Paper rate)

1st Time Home Buyers Program- Needs to be created (Earns $182,487 interest based on a $150k 30 year fixed mortgage at 6.25%)

Total interest income earned= $185,129.77 - $2,164.50 cost of funds **cost of labor not included**

THE HiP MOVEMENTMission: To improve the well being of our members financially, physically, and mentally.

Internally- Contact all parents through Documatix about our new checking account and steps to lend program.

Externally- Begin a movement of events and programs across universities and communities. Build partnerships with different organizations and sponsor various events.

The HiP Movement Strategy

PROJECT TIMELINEAccount Created on Datasafe and Program Written by IT (Sara/Payne)- Sept. 15th

Account Added to U-Monitor (Sara/Payne)- Sept. 22nd

Test Product (Ronaldo)- Sept. 27th thru October 15th

Work on Marketing Materials (Jonathan/Fallon)- October 22nd

Order Promotional Materials (Jonathan/Fallon) October 22nd

Have TISA Updated (Ronaldo)- October 22nd

Work with Loans on Collegiate Car Loan Restructure (Ronaldo)- October 25th

Work with Loans on 1st Time Home Buyer’s Program (Ronaldo)- November 1st

Assemble Take Charge Presentation (Ronaldo)- October 25th

Training Staff to Sell It- Webex during week of October 25th-29th

Final Rollout- November 1st thru 5th

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Q&A withRonaldo Hardy