Eliminate Needless Debt Program

Review of Classes

June 2014
Prepared by Don Milne
don.milne@zionsbank.com

General Info.
Classes

Participants

2003

26

401

2004

33

1,216

2005

35

1,315

2006

58

1,822

2007

88

2,402

have attended FPU classes at over

2008

180

4,845

2009

197

6,444

1,000 locations

2010

216

7,018

2011

266

8,363

across Utah and Idaho.

2012

229

6,870

2013

255

6,893

2014 YTD

117

2,909

Total

1,700

50,498

Since 2003 more than

50,000 people

Current number shown represents number of classes taught through April 14

don.milne@zionsbank.com

Major Results
Household averages among FPU participants
Fall 2013 Spring 2014

Amount of debt paid off

$4,700

*2011: $4,900

Amount of savings added

$2,650

*2011: $2,400

2.8

*2011: 4.5

71%

*2011: 73%

Number of credit cards cut up

Graduation Percentage

*2011 represents the last year FPU participants results were measured
don.milne@zionsbank.com

Highlights of comments from participants

showing the impact of this class are
provided on the following pages.

don.milne@zionsbank.com

FPU is a Life-Changing Experience

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FPU is a Life-Changing Experience

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FPU Produces Savers & Budgeters

don.milne@zionsbank.com

FPU Helps Get People Out of Debt

and Prepares Them for Retirement

don.milne@zionsbank.com

FPU Improves Marriages & Relationships

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FPU Improves Marriages & Relationships

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10

FPU Brings Hope & Security

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11

FPU Brings Hope & Security

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12

FPU Improves Public

Opinion of Zions Bank

don.milne@zionsbank.com

13

FPU Improves Public

Opinion of Zions Bank

don.milne@zionsbank.com

14

FPU Attracts Customers to Zions Bank

don.milne@zionsbank.com

15

Businesses and Churches Participating

in Financial Peace University - Utah
The following have hosted Super Saving Seminars and / or FPU classes as far back as 2003:
BUSINESS / NONPROFIT

BUSINESS / NONPROFIT

BUSINESS / NONPROFIT

BUSINESS / NONPROFIT

BUSINESS / NONPROFIT

BUSINESS / NONPROFIT

ABC Supply Co.

Cedar City Library in the Park

Grantsville High School

Meridian Title

Salt Lake Technical Center

US Synthetic

Access Development

The Center (Springville)

Gravel Masters

Merit College Preparatory Academy

Sanderson Community Center (for deaf)

USU Continuing Education - Murray

A-Core Concrete

Central Refrigerated Services

Great Life Foundation

Midvale City

Sandy City

Utah Air National Guard

ADP

Childrens Service Society

Green River Capital

Modern Display

Sebo Marketing

Utah APCO

Advanced Business Solutions

Clear Channel Radio

Gunnison City Hall

Morinda Tahitian Noni

Segway of Utah

Utah Connections Academy

Aero-Graphics

Clearfield City

Habitat for Humanity of SW Utah

Mountain Green Fire Station

Snow College

Utah Department of Workforce Services

Alphagraphics

@Home Realty Network

Harris Dudley Construction

Mountainland Design

Sorensen Construction

Utah Division of Child Care Services

American Pension Services

Clearfield High School

Harris Research

Nebo Learning Center

South Central Communications

Utah Housing Corporation

AMT Labs

Clyde Companies Inc.

Health Equity

North Salt Lake City

South Davis Sewer District

Utah Retirement Systems

Arrowstar Construction

Coalville City

Heber Main Street Shops

Oakley City Town Hall

Sperry Real Estate

Valley Emergency Communication Center

Associated Foods Stores

Colvin Engineering Associates, Inc.

Henderson Law Office

OC Tanner

Squire & Company, PC

Van Boerum & Frank Associates, Inc.

Autoliv

Cottonwood Partners

Henefer City Hall

Ogden Nature Center

St. George City

Wasatch Electrical

Bailey Moving

Cultural Celebration Center

Huntsville Library

Pacific States Cast Iron Pipe Company

Staker Parsons

Weber High School

Barco Media

Custom Covers

Hyrum City

Patriot Mortgage

Stansbury High School

Weber State University

Beacon Metals

Davis & Bott CPA's

Industrial Containers

The Peak

Steel Encounters

Wencor

Bennett-Tueller Johnson & Deere

Davis Applied Technology College

Interior Solution

Perry City

Steton

Western Metals Transport

Big D Construction

Davis County

Intermountain Power

Ponds Plumbing

Stillwater Clubhouse

Westside Elementary School (Springville)

Blomquist Hale Consulting

Davis School District

Interstate Hydraulics

Provo City

STRATA Networks

Wind River Contracting

Bob Barker Company

Daw Tech

Inzolo

Prudential South Ogden

Summit School District

Woods Cross High School

Boondocks Fun Center

Daybreak Community Center

JC Penneys

QSI Corp

Sundance Resort

YSA Financial Peace

Bowers House (Orem)

Delta Community Center

Jones and DeMille

Questar

Sunrise Valley Development

Boy Scouts of America

Deseret Laboratories, Inc.

Jones Excavating

Rich County School District

Sysco

The Bridge Community

Deseret Power

Kearns Improvement District

Richard Manufacturing

Talent Management Group

Bridgepoint Systems

Dinosaur Tire Service

Keller Williams Real Estate

Riverton Community Center

Taylorsville City

Bridgerland Applied Technology College

Eagle Mountain City

Kids on the Move

Robertson Dental Clinic

Technology Law Center

Cache County School District

Exit Realty

Layton High School

Rock Structures Excavating

Thermoworks

Cache County Sheriffs Office

Farmington City

Les Olsen Copiers

Rockwell Charter High School

This is the Place Heritage Park

Cache Employment and Training Center

Fatboy Ice Cream

Live Evolutions

Rocky Mountain ATV

Transcript Bulletin Publishing

Cache Valley Christian Center

Fishbowl Inventory

Loomis Armored US

Rocky Mountain Waterproofing

TriTel Networks

Canyon Ridge Clubhouse (Ogden)

Gerber Construction

Macey's Food Store

Saint George City

Union Pacific Railroad

Cate Equipment

Granger Hunter Improvement District

Marshall Industries

Salt Lake Community College

Uppercase Living

don.milne@zionsbank.com

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Businesses and Churches Participating

in Financial Peace University Utah (Continued)
The following have hosted Super Saving Seminars and / or FPU classes as far back as 2003:
CHURCH

CHURCH

CHURCH

CHURCH

Abundant Life Assembly (North Salt Lake)

Christian Life Assembly of God (Payson)

Gateway Community Church (Draper)

Light of the Valley Lutheran Church

Adventure Foursquare Church (Am. Fork)

Christian Life Center (Layton)

The Genesis Project (Ogden)

Living Waters Christian Fellowship (West Valley)

Adventure Foursquare Church (Draper)

City Church (Sandy)

Glenwood Ward

Logan Church of Christ

Aldersgate United Methodist Church (Brigham City)

Clearfield South Stake

God's Place (Ogden)

Maranatha Baptist Church (Logan)

Alpine 4th Ward

Community Church of Clearfield

Good Shepherd Lutheran Church (Lutheran)

Meadows Ward (Ogden)

Alpine Community Church (Riverdale)

Community United Methodist Church (Ogden)

Grace Baptist Church (Bountiful)

Midvalley Bible Church (Bluffdale)

Alpine Stake

Cornerstone Bible Church (Clearfield)

Grace Lutheran Church (Sandy)

Mount Vineyard Christian Fellowship (Park City)

American Fork 31st Ward

Country Park 2nd Ward

Granger Christian Church

Mountain Life Evangelical (Park City)

Ascension Lutheran Church (Ogden)

Creekside Christian Fellowship (Park City)

Grantsville Library

Mountain of Faith Lutheran (Tooele)

Aspen Meadows 1st Ward (Spanish Fork)

Crosspoint Church (SLC)

Grantsville 9th Ward

Mountain View Christian Assembly

Aspen Meadows 3rd Ward (Spanish Fork)

Crossroads Fellowship (Ogden)

Great Harvest Church (Midvale)

Mountain View Fellowship (Heber)

Blanding Stake

Crystal River Church

Griffin Memorial Church of God in Christ

Murray 8th Ward

Blessed Sacrament Church (Sandy)

Desert Edge Christian Chapel (Huntington)

Heber 12th Ward

Murray Little Cottonwood Stake

Bountiful Heights Church

Desert Springs Church (St George)

Heber Southfield Ward

Murray North Stake

Bridgeside Ward

Eagle Mountain East Stake

Heber Utah Stake

Murray Park Church of Christ

BYU 137th Ward

Ebenezer Church of God in Christ

Henderson Law Office

New Creation Church (Sandy)

Calvary Baptist Church

Elevation Church (Layton)

Heritage Baptist Church (Rose Park)

New Hope Marshallese Church (SLC)

Calvary Chapel of Salt Lake

Emmanuel Baptist Church (Hyrum)

Hilltop United Methodist Church (Sandy)

New Life Christian Center (St George)

Calvary Chapel Saint George

Ephraim Church of the Bible

Holladay Baptist Church

New Life Christian Fellowship (Tooele)

Calvary City on a Hill (Provo)

Evangelical Free Church

Huntington Stake

New Life Fellowship (Logan)

Calvary Fellowship Church (Am Fork)

e-Vin, The Emerging Vineyard (Taylorsville)

Hurricane 15th Ward

New Promise Lutheran Church (St George)

Calvary Fellowship Church (Orem)

Farmington 4th Ward

Impact Milticultural Ministries Celebration Center

New Song Presbyterian Church

Canyons Church (Cottonwood Heights)

Fillmore 1st Ward

Intermountain Baptist Church

North Ogden 19th Ward

Canyon Pointe Ward (Spanish Fork)

Fillmore 4th Ward

Jordan 3rd Ward

Oasis Christian Church

Canyon Road Assembly (Ogden)

First Baptist Church (Roy)

K2 The Church (SLC)

Ogden Christian Fellowship

Capital Church (SLC)

First Baptist Church (West Valley)

Kaysville Stake

One Community Church (South Jordan)

Castle Dale Stake

First Church of the Nazarene (SLC)

Kearns Western Hills Stake

Orem Grandview 5th Ward

CenterPoint Church (Orem)

First Southern Baptist Church (Bountiful)

Lakeside Church (Syracuse)

Orem Lakeridge Stake

Centerville South Stake

First Southern Baptist Church (Monticello)

Lakeside Community Church (Sunset)

Orem Sunset Heights 3rd Ward

Christ Evangelical Church (Orem)

Fort Herriman Stake LDS

Layton Hills Stake

Orem Sunset Heights 6th Ward

Christ United Methodist Church

Freedom Second Ward

Lifeline Community (West Jordan)

Orem Sunset Heights 7th Ward

don.milne@zionsbank.com

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Businesses and Churches Participating

in Financial Peace University Utah (Continued)
The following have hosted Super Saving Seminars and / or FPU classes as far back as 2003:
CHURCH

CHURCH

CHURCH

Orem Windsor Stake

Sandy Crescent Park Stake

The Genesis Project (Ogden)

Our Saviors Lutheran Church (Roy)

Sandy Crescent View Ward

The Rock Church (Provo)

Overlake 2nd Ward

Sandy Ridge Community Church

The Rock Church (Sandy)

Page Ward (Payson)

Santaquin 4th Ward

Tooele 1st Ward

Payson Bible Church

Santaquin North Stake

Tooele First Assembly of God

Payson Mountain View Stake

Seventh-Day Adventist Church (Ogden)

Tooele North Stake

Pleasant Grove Manila Stake

Seventh-Day Adventist Church (West Jordan)

Trinity United Methodist Church

Pleasant Grove Timpanogas Stake

Shadow Mountain Church (West Jordan)

USU 2nd Stake

Pleasant View 3rd Ward

SLC Foursquare Church

Valley Assembly of God

Price 4th Ward

Spanish Fork 1st Ward

Valley View East Stake

Prince of Peace Lutheran

Sojourn Community Church

Vernal Christian Church

Provo East Stake

Sonrise Baptist Church (West Valley)

Vernal Stake

Provo Lakeside 10th Ward

South Jordan 4th Ward

Wallsburg 1st & 2nd Wards

Provo Peak 3rd Ward

South Mountain Community Church

Wasatch Christian Church (SLC)

Provo Peak 7th Ward

South Valley Baptist Church (Riverton)

Wasatch Evangelical Free Church (Roy)

Randolph Stake

Southeast Christian Church (SLC)

Wasatch Hills Seventh-Day Adventist Church

Richfield East Stake

Southside Church of Christ (West Jordan)

Washington Heights Church (Ogden)

Ridgecrest 2nd Ward (Bennion)

St Catherine of Siena (SLC)

West Bountiful Stake

River Oaks Stake (West Jordan)

St James Catholic Church (Ogden)

West Jordan Mountain View 2nd Ward

Riverton North Stake

St Lukes Episcopal Church

West Jordan River Oaks Stake

Roosevelt Baptist Church

St Matthew's Lutheran Church

West Jordan Seventh-Day Adventist Church

Rose Canyon 4th Ward (Herriman)

St Mark's Lutheran Church (Provo)

West Lake Community Church (Saratoga Springs)

Rose Creek Crossing Ward (Riverton)

St Paul United Methodist Church (Copperton)

Westland 1st Ward

Rose Park North Stake

St. Paul's Episcopal Church (Vernal)

Westminster Presbyterian Church (Layton)

Roy Christian Church

State of Utah Center (Ogden)

Willard 2nd Ward

Salt Lake Christian Center

Summit Adventure Church (West Jordan)

Wolf Hollow 2nd Ward (Spanish Fork)

Salt Lake Grant Stake

Summit Chapel (Ogden)

Woods Cross North Stake

Salt Lake Little Cottonwood Stake

Sunny Ridge Ward (Spanish Fork)

World Vision Assembly of God (Vernal)

Salt Lake McKinley Ward

Syracuse Homestead Ward

Salt Lake Wilford Stake

Taylorsville Park Ward

Sandy Crescent North Stake

The Fellowship (Sandy)

don.milne@zionsbank.com

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Businesses and Churches Participating

in Financial Peace University - Idaho
The following have hosted Super Saving Seminars and / or FPU classes as far back as 2003:

BUSINESS AND NON PROFIT

Blackfoot
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Caldwell
Chubbuck
Driggs
Driggs
Eagle
Idaho Falls
Idaho Falls
Lapwai
Meridian
Moscow
Mountain Home
Mountain Home
Nampa
New Plymouth
Rexburg
Rexburg
Soda Springs
Twin Falls

Snake River School Community Library

Boise First Community Center
Boise Wedding House
CBH Homes
Keller Williams Real Estate
Lake Hazel Library
MERCI, Inc.
Real Idaho - RE/MAX West
Caldwell Police Department
Portneuf District Library
The Summit Training Center
Teton High School
Brookwood Subdivision
Joshua D. Smith & Associates
Rudd & Company
N.A.M.E. Outreach
Boondocks
New St. Andrew's College
Mountain Home Air Force Base
Mountain Home Fire Department
Nampa Fire Training Facility
New Plymouth High School
BYU Idaho Financial Aid Office
Nexus Computers
Spring Creek Manor
Stevens Pierce & Associates

CHURCH
American Falls
Blackfoot
Blackfoot
Blackfoot
Blackfoot
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise

American Falls Assembly

Blackfoot Southern Baptist Church
Calvary Bible Church
Emanuel Lutheran Church
First Baptist Church
1Love
All Saints Presbyterian Church
Amity United Methodist Church
Beautiful Savior Lutheran Church
Boise First Nazarene
Boise Unitarian Universalist Fellowship
Boise Valley Christian Communion
Calvary Baptist Church
Capital City Baptist Church
Capitol City Christian Church
Central Assembly
Church of the Harvest
Cloverdale Church of God
Cloverdale United Reformed Church
Cole Community Church
Community of Christ
Contact Christian Church
Covenant Presbyterian Church
Eastwind Community Church
First Baptist Church
First United Methodist Church
Five Mile Church of the Nazarene
Foothills Christian Church
Grace Chapel
New Heights Christian Fellowship
Northview Family Worship Center

CHURCH
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Boise
Burley
Caldwell
Caldwell
Caldwell
Caldwell
Caldwell
Caldwell
Caldwell
Chubbuck
Chubbuck
Driggs
Eagle
Eagle
Eagle
Eagle
Emmett
Filer
Firth
Fruitland
Garden City
Gooding

Park Center Assembly of God

River's Edge Church
Saint John's Cathedral
Second Baptist Church
The Journey
The Pursuit
The Summit Church
Ustick Baptist Church
Vineyard Boise
Whitney Baptist Church
Mountain View Christian Center
Boone Memorial Presbyterian Church
Caldwell Christian Church
Caldwell Friends Church
Deer Flat Church
Oasis Worship Center
Ustick Road Church of the Nazarene
Valley Pentecostal Church
Gate City Christian Church
Redemption Christian Center
The Summit Church
Eagle Christian Church
Eagle Nazarene Church
Eagle Seventh Day Adventist Church
Organic Church
Community Bible Church
First Baptist Church
LDS Firth Stake
West Valley Church
Vertical Church
Gooding First Christian Church

don.milne@zionsbank.com

CHURCH
Glenns Ferry
Greenleaf
Homedale
Idaho Falls
Idaho Falls
Idaho Falls
Idaho Falls
Idaho Falls
Idaho Falls
Idaho Falls
Jerome
Jerome
Jerome
Kimberley
Kuna
Kuna
Kuna
Lewiston
Lewiston
Lewiston
Lewiston
Lewiston
Lewiston
Lewiston
Lewiston
Malad City
Marsing
Melba
Menan
Meridian
Meridian

Grace Episcopal Church

Greenleaf Friends Church
Friends Community Church
Alliance Covenant Church
Calvary Chapel
Church of Christ
First Church of the Nazarene
First Presbyterian Church
Hope Lutheran Church
LDS Idaho Falls Lincoln Stake
Believer's Church
First Presbyterian Church
Magic Valley Evangelical Free Church
Kimberley Chistian Church
First Baptist of Kuna
Kuna Seventh Day Adventist Church
Kuna United Methodist Church
Crosspoint Alliance Church
Ecclesia Church
First Baptist Church
Lewiston Seventh Day Adventist
Orchards Community Church
River City Church
Tammany View Baptist Church
Valley Christian Center
LDS Malad City
Marsing Church of the Nazarene
Melba Valley Worship Center
LDS Menan
Calvary Chapel Meridian
Canyon Ridge Church

19

Businesses and Churches Participating

in Financial Peace University - Idaho
The following have hosted Super Saving Seminars and / or FPU classes as far back as 2003:

CHURCH
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Meridian
Middleton
Moscow
Moscow
Moscow
Moscow
Moscow
Moscow
Moscow
Moscow

Capital Christian Center

Center Point Church
Central Valley Baptist Church
Church of The Holy Nativity
General Assembly & Church
Harvest Church
Holy Apostles Catholic Church
Meridian Alliance Church
Meridian Assembly
Meridian First Baptist Church
Meridian Gospel Tabernacle
Meridian United Methodist Church
Real Life Ministries
Reflections Church
Restore Church
Riverside Community Church
Rockharbor Church
Southside Christian Center
Ten Mile Community Church
The Experience
Valley Life Community Church
Valley Shepherd Church of the Nazarene
First Baptist Church
Bridge Bible Fellowship
First United Methodist Church
Moscow Church of the Nazarene
Moscow Seventh Day Adventist Church
Saint Mary's Catholic Community
St Augustine's
Trinity Baptist Church
Trinity Reformed Church

CHURCH
Mountain Home
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
Nampa
New Plymouth
Parma
Payette
Payette
Pocatello
Pocatello
Pocatello
Pocatello
Pocatello
Post Falls
Rathdrum
Rupert
Sandpoint

Amazing Grace Church

Bethel Church of the Nazarene
Calvary Chapel Nampa
Christ the King Community Church
Christian Faith Center
College Church of the Nazarene
The Crossing Church
Crossroad Community Church
Family Life Church
First Baptist Church
First Church of the Nazarene
First United Methodist Church
Grace Bible Church
Greater Life Church
Harvest Life Church
Nampa United Methodist Church
Real Life Community Church
The Rock
First Baptist Church
Kirkpatrick Memorial Community Church
Payette Seventh-day Adventist Church
United Methodist Church
Calvary Alliance Church
Christ Church
First Baptist Church
Marshall Public Library
River of Life
Summit Northwest Ministries
Hayden Meadows Community Fellowship
Grace Community Church
Cedar Hills Church

don.milne@zionsbank.com

CHURCH
Sandpoint
Sandpoint
Shelley
Shelley
Soda Springs
Twin Falls
Twin Falls
Twin Falls
Twin Falls
Twin Falls
Twin Falls
Twin Falls
Twin Falls
Twin Falls
Wayan
Weiser
Wendell
Wendell
Wendell
Wilder

First Christian Church

Saint Joseph Catholic Church
Journey Community Church
North Bingham County Library
LDS Soda Springs
Church of the Brethren
First Church of the Nazarene
First United Methodist Church
Lighthouse Christian Fellowship
Magic Valley Church of Christ
New Hope Christian Fellowship
Rock Creek Community Church
The River Christian Fellowship
Twin Falls Reformed Church
LDS Grays Lake Ward
Weiser Community Church
Community of Christ
Living Waters Presbyterian Church
New Life Community Church
Mountain View Nazarene

20

Media Coverage
Zions Bank and FPU received the following from
June 2013 May 2014

Featured in

20 articles
in

14 different publications

Media Value of over

$90,000
don.milne@zionsbank.com

Such as:

Deseret News
Idaho Press-Tribune
Daily Herald
Idaho State Journal

21

Media Snippets

May 7, 2014

August 27, 2013

don.milne@zionsbank.com

August 13, 2013

22

Directions for Fall 2014 Session

Plan to increase FPU class locations for fall 2011 from the 103 locations in fall
2010.
The free Super Saving Seminar will be available online. This should expand
attendance from onsite seminars hosted in the past since many businesses do
not have all their employees at one location.
Run one or more pilots of the new Dave Ramseys Foundations in Personal
Finance for college students.
Provide FPU scholarships to Habitat for Humanity candidates in Utah and
Idaho. In other states this program has resulted in much lower payment
delinquencies.
Partner with Earn It Keep It Save It to provide financial education to their low
income clients. They prepare 16,000 tax returns each year.
Community Outreach: Zions Bank reaching the milestone of 1,000 FPU
classes, the new college student version of FPU, and scholarships for (1)
single moms and (2) families with one of the parents serving overseas in the
military, and (3) Habitat for Humanity families.
Our Military Relations Department will communicate availability of FPU
classes to the military community in Utah and Idaho. Zions Bank will
continue to scholarship the families of deployed military.
don.milne@zionsbank.com

23

Marketing Efforts for Fall Classes

Classes should begin the week of Sept
Contact business and church leaders to have them show the
Super Saving Seminar at their organization during August
and early September.
Publicize scholarship opportunities for single moms,
Habitat for Humanity, and families of deployed military.
Online banners at zionsbank.com.
Emails to past participants of FPU and Live Event.
Internal communications to Zions employees.
Brochures at nearby Zions branches.
Contact past business participants.
FPU booth at 2011 Smart Women, Smart Money
Conference.
don.milne@zionsbank.com

24

Key Dates for Fall 2014 Classes

June and July Contact area HR managers about the value
of free Super Saving Seminars
Late July, Early August Contact businesses and other
organizations that expressed past interest in this program.
August Schedule free Super Saving Seminars for the
public.
Late August / Early September Promote upcoming
classes.
Week of September 12, 2011 13 week FPU classes
begin.
don.milne@zionsbank.com

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