Why Did Zions Create Our Eliminate Needless Debt (END) Program?Eliminate Needless Debt (END) Program?

• Utah had consistently ranked #1 in bankruptcyranked #1 in bankruptcy rate in the nation (#9 for 2010 and Idaho is #17).

• More people saving more money supports more loans to businesses toloans to businesses to grow our economy.

What the END Program is Not . . .

• It is not exclusively for people seriously in debtin debt

• It is not a debt consolidation program• It is not a consumer credit counseling g

type service• It is not a quick fix program

It d t i l t b k t• It does not require people to bank at Zions

What the END Program is . . .

• An educational program for anyone that wants to save more, eliminate needless debt, and build wealthwealth

• A free Super Saving Seminar sponsor• A sponsor of Dave Ramsey’s Financial Peace

University (FPU)• A sponsor of a $1,000 Emergency Fund Savings

Account Drawing• A sponsor of Financial Peace curriculum used at

over 100 Utah high schoolsover 100 Utah high schools• Special offers on Zions Bank products (optional)• Program is also available in Spanish

What is Financial Peace University?

• The most effective personal finance course in America

• Nationwide, the average family adds $2,700 to , g y $ ,savings and reduces debts by $5,300 in 91 days

• This is an educational program, not a sales program

• FPU is a two hours a week, 13-week course that teaches people the skills they need to save liketeaches people the skills they need to save like they never have before, eliminate needless debt, and build wealth with a goal of giving a lot of it away to worthy causes.

• Founder Dave Ramsey is the host of a daily radio ith 4 5 illi kl li t dprogram with over 4.5 million weekly listeners and

his own daily cable TV program on the Fox Business Network. Both deal with personal finance issues.

Major FPU Results

• 1,000,000+ nationwide enrollments including more than 30,000 partici-pants in nearly 1,000 Zions supported classes (mostly hosted by area p y pp ( y ychurches) since 2003.

• Average household paid off $5,300 in debt• Average household added $2,700 to savings• Average of 2+ credit cards cut up per household

– One local household cut up 56 credit cards!• 70%-80% graduation rate• 0% dissatisfaction rate• Long term results from Zions Bank’s own employee participants:

– $15,600 average added to non-retirement savings$– $16,300 average of debts paid off

– 6.2% average increase in 401K contributions from 38% of employees

Local Businesses, Churches and Other Groups Have Used Financial Peace Universityy

Businesses and Churches Participating in Financial Peace University - UtahA partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:p g p g

Cache County Sheriff’s Office Cache Employment and Training Center

Cache Valley Christian Center Calvary Baptist Church Calvary Chapel of Salt Lake Calvary Chapel Saint GeorgeCal ar Fello ship Ch rch (Am Fork)

Abundant Life Assembly (North Salt Lake) Access Development A-Core ConcreteADPAdvanced Family Dental Clinic (Cedar City)Adventure Foursquare Church (Am. Fork) Ad t F Ch h (D )

Creekside Christian Fellowship (Park City)Crosspoint Church (SLC) Crossroads Fellowship (Ogden) Crystal River ChurchCultural Celebration CenterCustom CoversDavis Applied Technology College

Good Shepherd Lutheran Church (Lutheran)Grace Baptist Church (Bountiful) Grace Community Bible Church (Sandy)Grace Lutheran Church (Sandy)Granger Christian Church Granger Hunter Improvement DistrictCalvary Fellowship Church (Am Fork)

Camp WilliamsCanyon Pointe Ward (Spanish Fork) Canyon Road Assembly (Ogden) Capital ChurchCastle Dale Stake Cate Equipment CenterPoint Church (Orem)

Adventure Foursquare Church (Draper) Adventure Liberty ParkAero-Graphics Aldersgate United Methodist Church (Brigham City)Alphagraphics Alpine 4th WardAlpine Community Church (Riverdale)Alpine Stake

Davis Applied Technology College Davis School District Daw Tech Deseret Power Desert Edge Christian Chapel (Huntington)Desert Springs Church (St George) Eagle Mountain City Eagle Mountain East Stake

Granger Hunter Improvement District Grantsville High SchoolGravel Masters Great Harvest Church (Midvale) Great Life Foundation Greenville Elementary (North Logan)Griffin Memorial Church of God in Christ Harris Dudley Construction H i R hCenterville South Stake

Central Refrigerated Services Children’s Service Society Christ Evangelical Church (Orem) Christ United Methodist Church Christian Heritage School (Roy)Christian Life Assembly of God (Payson)Christian Life Center (Layton)

American Fork 31st WardAMT Labs Arrowstar Construction Ascension Lutheran Church (Ogden) Ashley Valley Calvary Chapel (Vernal)Aspen Meadows 1st Ward (Spanish Fork) Aspen Meadows 3rd Ward (Spanish Fork) Autoliv

East Meadows Ward (Spanish Fork)Ebenezer Church of God in Christ Elevation Church (Layton) Emmanuel Baptist Church (Hyrum)Ephraim Church of the BibleEvangelical Free Churche-Vin, The Emerging Vineyard (Taylorsville)Farmington 4th Ward

Harris Research Health EquityHeber 12th WardHenderson Law OfficeHenefer City HallHeritage Baptist Church (Rose Park) Holladay Baptist Church Huntington Stake ( y )

Clear Channel Radio Clearfield City Clearfield High SchoolClearfield South Stake Clyde Companies Inc.Coalville City Cole Holland Training CenterColumbia Elementary (Kaysville)

AutolivBailey MovingBarco Media Beacon Metals Big D Construction Blanding Stake Blessed Sacrament Church (Sandy) Blomquist Hale ConsultingBob Barker Company

gFarmington City Fillmore 1st Ward Fillmore 4th Ward First Baptist Church (Roy) First Baptist Church (West Valley) First Church of the Nazarene (SLC) First Southern Baptist Church (Bountiful)First Southern Baptist Church (Monticello)

Hurricane 15th WardHyrum City Industrial Containers Interior Solution Intermountain Baptist ChurchIntermountain Power Interstate Hydraulics JC PenneysColumbia Elementary (Kaysville)

Community Church of ClearfieldCommunity United Methodist Church (Ogden) Connected Technologies, IncCottonwood Partners Country Park 2nd Ward

Bob Barker CompanyBoondocks Fun Center Boy Scouts of America Bridgepoint Systems BYU 137th Ward Cache County School District

First Southern Baptist Church (Monticello)Fort Herriman Stake LDSFreedom Second WardGateway Community Church (Draper) Gerber Construction Glenwood WardGod's Place (Ogden)

JC Penneys Jones and DeMille Jordan 3rd WardJordan Meadows Ward (Lehi)K2 The Church Kaysville StakeKearns Improvement District

Businesses and Churches Participating in Financial Peace University – Utah (Continued)A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:p g p g

Kearns Western Hills StakeKeller Williams Real EstateKids on the Move Lakeside Church (Syracuse)Lakeside Community Church (Sunset) Layton Hills StakeLes Olsen Copiers

Ogden Christian FellowshipOrem Sunset Heights 3rd Ward Orem Sunset Heights 6th Ward Orem Sunset Heights 7th Ward Orem Windsor Stake Our Saviors Lutheran Church (Roy) Overlake 2nd Ward

Roy Christian ChurchSalt Lake Church of Religious Science Salt Lake Community College Salt Lake Granger East StakeSalt Lake Grant Stake Salt Lake Little Cottonwood Stake S lt L k M Ki l W d

Stansbury Park High SchoolSteel Encounters Steton STRATA NetworksSummit Adventure Church (West Jordan)Summit Chapel (Ogden)

Les Olsen Copiers Lifeline Community (West Jordan)Living Waters Christian Fellowship (West Valley)Logan Church of ChristLoomis Armored USMaranatha Baptist Church (Logan) Marshall Industries Midvale City Mid ll Bibl Ch h (Bl ffd l )

Overlake 2nd WardPacific States Cast Iron Pipe CompanyPage Ward (Payson) Parleys First WardPayson Mountain View Stake Pleasant Grove Manila Stake Pleasant Grove Timpanogas Stake Pleasant View 3rd Ward

Salt Lake McKinley Ward Salt Lake Technical Center Salt Lake Wilford Stake Sanderson Community Center (for deaf)Sandy Crescent North StakeSandy Crescent Park Stake Sandy Crescent View WardSantaquin 4th Ward

Summit School District Sundance Resort Sunny Ridge Ward (Spanish Fork)Sunrise Valley Development Syracuse Homestead WardSysco Taylorsville Central StakeTaylorsville City

Midvalley Bible Church (Bluffdale)Modern Display Morinda – Tahitian Noni Mount Vineyard Christian Fellowship (Park City) Mountain Life Evangelical (Park City) Mountain of Faith Lutheran (Tooele)Mountain View Christian Assembly Mountain View Fellowship (Heber)

Ponds Plumbing Price 4th WardPrince of Peace Lutheran Provo City Provo East Stake Provo Lakeside 10th WardProvo Peak 3rd WardProvo Peak 7th Ward

Santaquin North Stake Segway of UtahSeventh-Day Adventist Church (Ogden) Shadow Mountain Church (West Jordan) SLC Foursquare ChurchSnow College Sojourn Community ChurchSorensen Construction

y yTaylorsville Park Ward The Fellowship (Sandy) Genesis ProjectThe Rock Church (Sandy) This is the Place Heritage Park Tooele 1st Ward Tooele First Assembly of God Tooele North Stake

Mountainland DesignMurray 15th WardMurray Little Cottonwood Stake Murray North Stake Nebo Learning CenterNew Life Christian Center (St George)New Promise Lutheran Church (St George)New Song Presbyterian Church

QSI CorpQuestarRandolph Stake RE/MAX OverlandRich County School District Richard Manufacturing Richfield East Stake Ridgecrest 2nd Ward (Bennion)

Sorensen Construction South Central CommunicationsSouth Jordan 4th Ward South Mountain Community Church (Draper) South Valley Baptist Church (Riverton)Southeast Christian Church (SLC)Southside Church of Christ (West Jordan)Sperry Real Estate Squire & Company PC

Tooele North StakeTranscript Bulletin Publishing TriTel NetworksUnited Pentecostal Church (Midvale)Union Pacific Railroad Uppercase Living US SyntheticUSU 2nd Stake

New Song Presbyterian ChurchNorth Hills Christian Fellowship (Tremonton)North Ogden 19th Ward North Salt Lake City Oakley City Town HallOasis Christian Church

Ridgecrest 2nd Ward (Bennion) Riverton North StakeRock Structures Excavating Rocky Mountain ATV Rocky Mountain Waterproofing Rose Creek Crossing Ward (Riverton)Rose Park North Stake

Squire & Company, PCSquire & Company, PCSt James Catholic Church (Ogden) Saint John's Anglican Church (Park City)St Luke’s Episcopal Church St Luke’s Episcopal Church St. Matthew's Lutheran ChurchStaker Parsons

USU Continuing Education - Murray Utah Department of Workforce Services Utah Housing Corporation Utah Retirement Systems Utah Youth VillageValley Assembly of God Valley Emergency Communication Center Valley View East Stake

State of Utah Center (Ogden) Van Boerum & Frank Associates, Inc.

Businesses and Churches Participating in Financial Peace University – Utah (Continued)A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:

Vernal Christian Church

Vernal StakeWasatch Electrical Wasatch Evangelical Free Church (Roy) Washington Heights Baptist Church (Ogden)

Wasatch Hills Seventh-Day Adventist Church Weber State University

Wencor West Bountiful Stake

West Jordan Mountain View 2nd Ward West Jordan River Oaks Stake

W t J d S th D Ad ti t Ch hWest Jordan Seventh-Day Adventist Church West Lake Community Church (Saratoga Springs)

Western Metals TransportWestland 1st Ward Westminster Presbyterian Church (Layton)

Willard 2nd Ward Wolf Hollow 2nd Ward (Spanish Fork)Woods Cross High SchoolWoods Cross North Stake

Workforce ServicesWorld Vision Assembly of God (Vernal)

Businesses and Churches Participating in Financial Peace University – IdahoA partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:

American Falls American Falls Assembly

Blackfoot Calvary Bible Church

Blackfoot Father's House

Blackfoot First Baptist Church

Boise Northview Family Worship Center

Boise Park Center Assembly of God

Boise Red Rock Christian Church

Boise River of Life

Boise Saint John's Cathedral

Firth LDS Firth Stake

Fruitland West Valley Church

Greenleaf Greenleaf Friends Church

Homedale Friends Community Church

Blackfoot Meridian First Baptist Church

Boise Amity United Methodist Church

Boise Boise First Community Center

Boise Boise First Nazarene

Boise Boise Valley Christian Communion

Boise Capital City Baptist Church

B i C it l Cit Ch i ti Ch h

Boise Saint John s Cathedral

Boise Second Baptist Church

Boise The Pursuit

Boise Ustick Baptist Church

Boise Vineyard Boise

Caldwell Boise First Community Center

Caldwell Boone Memorial Presbyterian Church

Idaho Falls Church of Christ

Idaho Falls First Church of the Nazarene

Idaho Falls First Presbyterian Church

Idaho Falls Hope Lutheran Church

Idaho Falls LDS Idaho Falls Lincoln Stake

Jerome Believer's ChurchBoise Capitol City Christian Church

Boise CBH Homes

Boise Central Assembly

Boise Christ the King Community Church

Boise Church of the Harvest

Boise Cloverdale Church of God

Boise Cloverdale United Reformed Church

Caldwell Boone Memorial Presbyterian Church

Caldwell Caldwell Christian Church

Caldwell Caldwell Friends Church

Caldwell Caldwell Police Department

Caldwell Church of the Brethren

Caldwell Deer Flat Church

Caldwell Oasis Worship Center

Jerome First Presbyterian Church

Kimberly Our Savior Lutheran Church

Kuna First Baptist of Kuna

Kuna Kuna Seventh Day Adventist Church

Lapwai N.A.M.E. Outreach

Lewiston Beautiful Savior Lutheran ChurchBoise Cloverdale United Reformed Church

Boise Cole Community Church

Boise Contact Christian Church

Boise Covenant Presbyterian Church

Boise Eastwind Community Church

Boise First United Methodist Church

Boise Foothills Christian Church

Caldwell Oasis Worship Center

Caldwell The Crossing Church

Caldwell Valley Pentecostal Church

Chubbuck Gate City Christian Church

Chubbuck Portneuf District Library

Chubbuck Redemption Christian Center

Eagle Eagle Christian Church

Lewiston Boise Vineyard

Lewiston Lewiston Seventh Day Adventist

Lewiston Orchards Community Church

Lewiston River City Church

Lewiston Tammany View Baptist Church

Lewiston Valley Christian CenterBoise Foothills Christian Church

Boise Grace Chapel

Boise Grace Community Church

Boise Keller Williams Real Estate

Boise Mountain View Nazarene

g g

Eagle Eagle Nazarene Church

Eagle Organic Church

Emmett Community Bible Church

Filer First Baptist Church

Malad City LDS Malad City

Menan LDS Menan

Meridian Boondocks

Meridian Canyon Ridge Church

Meridian Capital Christian Center

Businesses and Churches Participating in Financial Peace University - Idaho (Continued) A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:

Meridian Center Point Church

Meridian Central Valley Baptist Church

Meridian Church of The Holy Nativity

Meridian First Baptist Church

M idi G l A bl & Ch h

Nampa The Rock

New Plymouth First Baptist Church

New Plymouth New Plymouth High School

Parma Kirkpatrick Memorial Community Church

S C

Twin Falls Twin Falls Reformed Church

Weiser Community Church of Weiser

Weiser Oregon Trail Church of God

Weiser Weiser Community ChurchMeridian General Assembly & Church

Meridian Meridian Alliance Church

Meridian Meridian First Baptist Church

Meridian Meridian Gospel Tabernacle

Meridian Meridian United Methodist Church

Meridian Reflections Church

Meridian Ten Mile Community Church

Payette Payette Seventh-day Adventist Church

Payette United Methodist Church

Pocatello Calvary Alliance Church

Pocatello First Baptist Church

Pocatello River of Life

Pocatello Trinity Reformed Church

Wendell Living Waters Presbyterian Church

Wilder Mountain View Nazarene

Meridian Ten Mile Community Church

Meridian The Experience

Middleton First Baptist Church

Moscow Moscow Church of the Nazarene

Moscow Moscow Seventh Day Adventist Church

Moscow The Summit Church

Mountain Home Amazing Grace Church

Post Falls Summit Northwest Ministries

Rathdrum Hayden Meadows Community Fellowship

Rexburg BYU Idaho – Financial Aid Office

Rupert Calvary Chapel of Idaho Falls

Rupert Grace Community Church

Sandpoint Cedar Hills Churchg

Mountain Home Mountain Home Air Force Base

Mountain Home Mountain Home Fire Department

Nampa Bethel Church of the Nazarene

Nampa Crossroad Community Church

Nampa College Church of the Nazarene

Nampa Crossroad Community Church

Sandpoint First Christian Church

Sandpoint Saint Joseph Catholic Church

Shelley Journey Community Church

Soda Springs LDS Soda Springs

Twin Falls Bethel Church of the Nazarene

Twin Falls Crossroads United Methodist Church

Nampa First Baptist Church

Nampa First Church of the Nazarene

Nampa Grace Bible Church

Nampa Oregon Trail Church of God

Twin Falls First Church of the Nazarene

Twin Falls Lighthouse Christian Fellowship

Twin Falls Magic Valley Church of Christ

Twin Falls Rock Creek Community Church

Twin Falls Stevens Pierce & Associates

Zions Bank Sponsors Utah High SchoolsFinancial Peace for the Next GenerationThe following schools use Financial Peace for financial literacy classes thanks to Zions Bank’s purchase of course materialThe following schools use Financial Peace for financial literacy classes thanks to Zions Bank s purchase of course material

•Altamont Altamont High School•American Fork American Heritage School•Beaver Beaver High School•Bicknell Wayne High School•Bountiful Viewmont High School•Brigham City Dale Young Community High School

•Saint George Dixie High School•Saint George Milcreek High School•Salina North Sevier High School•Salt Lake City Brighton High School•Salt Lake City Cottonwood High School•Salt Lake City East High School

•Midvale Hillcrest High School•Milford Milford High School•Moab Grand County High School•Monroe South Sevier High School•Montezuma Creek Whitehorse High School•Monticello Monticello High Schoolg y g y g

•Castle Dale Emery High School•Castle Valley DayStar Adventist Academy•Cedar City Canyon View High School•Cedar City Cedar High School•Cedar City Foothill High School•Clearfield Clearfield High School•Delta CBA Center•Delta Delta High School

•Salt Lake City Granite High School•Salt Lake City Granite Peaks High School•Salt Lake City Highland High School•Salt Lake City Kearns High School•Salt Lake City Mountain View Learning Center•Salt Lake City Salt Lake Lutheran High School•Salt Lake City Skyline High School•Salt Lake City Taylorsville High School

Monticello Monticello High School•Mount Pleasant North Sanpete High School•Murray Murray High School•North Logan Intech Collegiate College

High School•Ogden Ben Lomond High School•Ogden Bonneville High School•Ogden Ogden High School•Ogden Saint Joseph High Schoolg

•Eskdale Eskdale High School•Eureka Tintic High School•Ft. Duchesne Uintah River High School•Grantsville Grantsville High School•Green River Green River High School•Highland Lone Peak High School•Ivins Tuacahn High School•Junction Piute Junior Senior High School

•Salt Lake City Wasatch Canyon Hospital School•Salt Lake City West High School•Sandy Alta High School•Sandy Jordan High School•Smithfield Sky View High School•South Jordan Bingham High School•Spanish Fork American Leadership Academy•Tabiona Tabiona School

g p g•Ogden Two Rivers High School•Ogden Washington High School•Ogden Weber Basin High School•Ogden Weber High School•Orderville Valley High School•Orem Mountain View High School•Orem Orem High School•Orem Timpanogos High Schoolg

•Kaysville Canyon Heights School•Kaysville Davis High School•Kaysville Mountain High School•Kaysville Nuames High School•La Verkin Cross Creek Academy•Layton Northridge High School•Lehi Lehi High School•Lindon Karl G. Maeser Prepatory Academy

•Tonalea Navajo Mountain High School•Tooele Tooele High School South•Trout Creek West Desert High School•Vernal Uintah High School•Wendover Wendover High School•West Jordan Copper Hills High School •West Jordan West Jordan High School•West Valley City East Hollywood High School

p g g•Payson Payson High School•Pleasant Grove Pleasant Grove High School•Price Carbon High School•Price Lighthouse Learning Center•Provo Discovery Academy•Provo Independence High School•Provo Meridian School•Provo Timpview High Schooly y

•Logan Cache High School•Logan Logan High School•Logan Logan North Campus School•Magna Cyprus High School•Magna Vista Private School•Manti Manti High School

•West Valley City Hunter High School•Woods Cross Woods Cross High School

g•Provo Walden School Of Liberal

Arts•Randolph Rich High School•Riverdell Christian Heritage School•Riverton Riverton High School•Roosevelt Union Senior High School

What Employers Think of the END Program and FPUthe END Program and FPU• “I am pleased to report that we paid off $7,506 of debt and put $1,000 in the

bank. The last day of class was our 16th wedding anniversary. So we went around to three of our creditors and paid off the debts and then went out toaround to three of our creditors and paid off the debts and then went out to eat (for the first time in several weeks) and celebrated the accomplishment. Yahoo!!!”

Anonymous Senior Business Manager

• “Aero Technologies Group has had over 125 employees participate in FPU. I've heard many positive comments from excited employees who seem to have found an effective method of getting their financial houses in order. I feel this is one of the most meaningful and appreciated benefits we g pphave provided for our employees. Many employees have said that they want their children to learn these principles so that they won't make the same mistakes as their parents.”

Mike Colledge, Director of Human ResourcesA T h l i GAero Technologies Group

What Employers Think of the END Program and FPU (cont )the END Program and FPU (cont.)• “The most important thing that came out of this is that my wife and I

can talk about money without animosity or arguing. Our relationship is getting better as each debt gets closer to paymentis getting better as each debt gets closer to payment. “Getting out of debt safely and sanely is really, really, important, it ranks in importance with your personal health and that of your family. Dave is working to save the families of America.”

Layne Hadley, AMT Labs

• “We thought the class was tremendous, in fact we took it with our daughter and son-in-law We had 2 other employees who weredaughter and son-in-law. We had 2 other employees who were struggling with money issues take the FPU classes who feel they have a new vision and plan for their finances. We would like to volunteer our facility for a new class. Thanks for the invitation. This is tremendous information ”is tremendous information.

Ken Riches, Pres / CEO, Beacon Metals Inc

What Churches are Saying about Financial Peace UniversityFinancial Peace University• “The FPU seminar was extremely practical and well worth our time and effort to host. Dave

Ramsey is an excellent speaker and clearly has a passion for helping people gain financial freedom. I'm sure my church members and others who attended benefited greatly from the seminar and we will do it again!”seminar and we will do it again!

– Bernie Anderson, Wasatch Hills Seventh-Day Adventist Church

• “The response we are getting from participants is tremendous. I strongly encourage pastors to use this valuable resource to help teach their members how to be good stewards of their money.”

– Dale Jumpp, New Life Christian Fellowship, Tooele

• “In my ward at the time this class began there were five families receiving assistance. All five were enrolled in FPU. At the end of the course and at present four of the five families are off welfare assistance. Two of the families suffered from underemployment and have both found additional or upgraded jobs due to the information and motivation obtained in the FPU course. Lastly, from a spiritual perspective, those same families are now faithful in paying their cou se ast y, o a sp tua pe spect e, t ose sa e a es a e o a t u pay g t etithes and offerings which, obviously, brings additional blessings and strength to their families and marriages. Financial Peace gives you the tools to financially change your life.”

– John Hollingshead, LDS Centerville South Stake

Free Super Saving Seminar• Show the first one-hour FPU Super Saving lesson

– This seminar teaches to save for emergencies, purchases and retirementretirement

• Schedule this free seminar at your convenience: workdays, evenings, weekends, or ONLINE– Zions can provide you with free flyers, posters, and other tools to

encourage people to attendencourage people to attend• Recommend hosting this in August or early September• Host may qualify for a $25 or $50 Visa gift card• Participants are entered in $1,000 Emergency Fund Drawing• One hour presentation (a Zions employee familiar with the program can

make the presentation, or you can choose to present it yourself, or use the online version)

• Request 15+ people in attendance for onsite version• Also available in Spanish on DVD

Sample Super Saving Material

3 ½ x 8 ½ flyer 8 ½ x 11 poster 8 page workbooklet

Hosting Financial Peace University• 75% of local FPU classes are hosted by community and church groups.• Businesses can open classes to the public or limit participation to

employeesemployees.• A free membership is provided to the class coordinator.• A second free membership may be provided to a needy family if a

scholarship is available.• Spouses of deployed military personnel can attend for free courtesy of• Spouses of deployed military personnel can attend for free, courtesy of

Zions Bank.• $150 course DVD lessons donated by Zions Bank if class is open to the

general public. Must be hosted at a non-residential location.FPU kits can be ordered through Zions Bank at $99 per household payable• FPU kits can be ordered through Zions Bank at $99 per household, payable when people pick up their FPU kits in class. Extra unopened kits can be returned.

• Classes can be run with or without Zions Bank assistance.R d t ti l th k f S t b 12 2011• Recommend starting classes the week of September 12, 2011.

ConclusionsConclusions• Participants who completed class reported life changing

results with personal financial situation.p• Opinion of Zions Bank and other hosting organizations

for sponsoring this program is overwhelmingly positive.• The positive experience of people completing thisThe positive experience of people completing this

program is contributing to growing demand for this program.

• See following pages for sample feedback from past g p g p pparticipants.

Selected Participant Comments Regarding ProgramProgram

• Financial Peace University saved our marriage (and our money!). • I have restructured many financial aspects of my life, which I already felt I had

figured out It has reinforced my philosophy which has always been save planfigured out. It has reinforced my philosophy which has always been save, plan, and give. I now am doing this all more aggressively.

• The one area in our marriage we struggled with was finances. After attending and applying the principles taught, a wonderful marriage was made even more perfect. It is so comforting to now have a plan. Some of the best time we have ever spent "investing" in our family was the thirteen weeks here Thank you"investing" in our family was the thirteen weeks here. Thank you.

• This class has changed the way I look at my monthly surplus. I've learned it is not something extra to be spent. It needs to be saved.

• It has opened our eyes to how we spend our money. I feel much safer following this plan. We have opened our communication lines and have a much betterthis plan. We have opened our communication lines and have a much better relationship.

• Got us on a budget so we can see where our money goes. Shows us how to get out of debt and stay out. And how to retire more comfortably. We have become more aware of our money and where it is going. This allows us to pinpoint the areas we can save I really gives you "peace of mind "areas we can save. I really gives you peace of mind.

• For me, most of what I have learned I have passed on to my kids who are just starting out. I wish I had this class 30 years ago. We would be a lot better off today.

Selected Participant Comments Regarding Program (2)Program (2)

• We have finally found a complete system for personal finance. I can now feel confident in my financial responsibilities, that I know nothing is being left out.

• It has given us a focus and a real plan. All our other "plans" have not seemed to get us anywhere.

• This has made the biggest impact in our marriage and partnership with finances. Before I did the finances alone and my husband was always upset at why we never had enough money Now we are more together or completely together on ourhad enough money. Now we are more together or completely together on our budgeting and knowledge of where the money goes.

• We have less stress, enjoy life more and are paying debts off faster.• Financial Peace University has shown us that there is hope; that we can and will get

out of debt.• We have worked into a family budget that we had not done yet in our marriage (13

years). We have a common vision of how and where we want our money to work for us. We have an irregular income and now a method to procure our own wealth.

• Reduced much anger, resentment, tension.• We have a working budget We have cash savings and we are done borrowing $• We have a working budget. We have cash savings and we are done borrowing $.• A huge impact! We have financial hope and peace. We now know what to do and

how to do it. I am anxious to spread this to my family and friends.

What Do I Do Now?• Schedule a free Super Saving Seminar with at least 15

households participating. August or early September would be an ideal time.– Over 1,000 seminars have been presented in Utah and

Idaho since 2003. • Consider hosting a 13 Week Financial Peace University class

after hosting the free Super Saving Seminar. You only need 7-10 households to have an effective class size.

• Recommend starting FPU class the week of September 12, 2010 with free Super Saving Seminar(s) a week or two in advance.

• Email supersaving@zionsbank.com to get started.

Schedule Your Free Super Saving Seminar(s) Before Classes Start

Sunday Monday Tuesday Wednesday Thursday Friday Saturday

Aug 1 2 3 4 5 6

P t S S i S i t Y O i ti7 8 9 10 11 12 13

14 15 16 17 18 19 20

Promote Super Saving Seminar at Your Organization

5 6 8 9 0

21 22 23 24 25 26 27Host Free Super Saving Seminar

28 29 30 31 Sep 1 2 3

4 5 6 7 8 9 10

11 12 13 14 15 16 17

FPU Classes Beging

For more information:

• Don Milne, Financial Literacy Manager, 801-844-7977, don.milne@zionsbank.com

• Website: www.endprogram.com– Watch the FPU orientation video linked to this website

• Visit www.daveramsey.com/zionsbank to watch the free Super Saving lesson online

• Information on FPU classes: 1-800-376-7092 or endprogram@zionsbank.com

Pass on this presentation to otherPass on this presentation to other business, community, and church leaders

that could benefit from seeing it.