U.S. Savings Bonds: Americas Best Kept Savings Secret Melissa Koide 9/12/08

U.S. Savings Bonds Context National Savings Rate Debt Loads Mortgage Crisis Hard to Access Products Limited Federal Policy

Legislation to Facilitate Savings through U.S. Savings Bonds New Savers Act Savers Bonus Act

The New Savers Act Increase Savings through Targeted Incentives and Increased Access to Financial Services and Wealth Building Financial Products Purchase U.S. Savings Bonds on Tax Returns

Savers Bonus Act Tax Time Reward for Savings Up to $500 match for tax filers who save in a designated savings account, including U.S. Savings Bonds

Assets and Transaction Account Prefunded, Electronic Account Delivered on the Tax Return Form Cash withdrawal (ATM and Point of Sale Terminals) Point-of-sale purchases (PIN or Signature) Phone and web based bill pay and purchase capabilities Savings component