1. Michigan Schools and Government Credit Union By: Aoi Fuchigami, Sara Blotske, Laurel Levine, & Erica Miletti

2. Who are we?  We are Team S.A.L.E.  What does Team S.A.L.E. stand for?  Our motto is “We give YOU the credit, for your credit!”

3. This is what YOU do for US …  Michigan School & Government Credit Union puts you on a path to ESTABLISHED success!  YOU offer… Low loan rates Fewer fees than banks Several workshops including those for teenagers, members, & non-members Online banking Mobile website Smartphone applications

4. This is what WE can do for YOU…  Team S.A.L.E. brings a fresh, young, & creative approach to Michigan Schools & Government Credit Union advertisement.  MSGCU commercial MSGCU commercial

5. What can WE do for YOU?  Going along with the theme of our commercial, social media marketing to reach more teenagers, Team S.A.L.E. thought it would be a good idea to include a Twitter account as one of our mediums.

6. MSGCU Twitter Calendar MAY 2013 SunMonTueWedThuFriSat 1. The key to a good credit score, even as a teenager, is paying your bills. time. #ehow 2. Another tip for a teenager? Keep your balances low. 3. The credit habits you learn as a teenager will carry on in to adulthood. 4. Don’t take out too many credit cards or loans #thefewerthebetter 5. Make sure to make your payments on time! 6. #WaysToStayOutOfTrouble don’t apply for several credit cards at once. 7. Manage your credit wisely and you will improve your score. 8. Before you decide how much you could save up for a car, ask yourself “which car fits my needs?” 9.After your saving goal is reached, you can buy a car. 10. Download our free on the go check cashing app! 11. Open an education savings plan and invest in mutual funds towards college! #helpfulhints 12. if you’re going to buy a car, your credit score is a very important number. #FYI 13. Make sure you’re paying your bills on time, late payments have a major negative impact on credit scores! 14. #TipsToSurvive keep your balances low on credit cards. 15. Time is your friend in improving your credit scores! 16. CREATE A BUDGET. It will help you identify what the difference is between a need and a want. 17. You will go broke relying on high interest rate credit cards. 18. Make sure to avoid credit card debt! 19. Avoid impulse shopping on the internet! 20. Go check out our scholarship opportunities! #MSGCU 21.Think of a budget as a roadmap to reaching your financial goals. 22. #WaysToSaveMoney Take advantage of free entertainment opportunities in your town and on campus. 23. The best way to manage debt is to avoid it. 24. Your credit card history is being used to make all sorts of decisions about your future. 25. #WaysToSaveForACar make a list before you go shopping! 26. In stead of buying books, borrow them from the library! 27. Keep your credit score low by planning vacations ahead of time! 28. “It's better to have 50 percent of something than 100 percent of nothing.” #SuzeOrman 29. “ If you don’t have the right score, you may well be shown the door.” #QuoteOfTheDay 30. Go check out our Auto Loan Rates #CarChing 31. If you’re a teenager your parents can help you by making a high credit rating.

7. What can WE do for YOU?  Team S.A.L.E. felt that since most teenagers can drive, and/or have their own vehicle, a radio spot would be an appropriate marketing technique.  Radio spot Radio spot

8. What can WE do for YOU?  Last, but certainly not least, Team S.A.L.E. used a brochure to give teenagers a tangible resource so that they have information on hand.

9. On behalf of Team S.A.L.E., we want to thank you for your time!