Bryan Sims, 24 year-old CEO of brass|MEDIA Inc., speaks at a credit union conference about the importance of reaching Generation Y to the financial services industry. Sims outlines basic demographic information of Gen Y, provides statistics illustrating the difficulties in reaching them, shows the power of changing media and technology, while giving examples of how other financial institutions have successfully created programs that resonate with young adults. brass|MEDIA Inc. is a multimedia and technology company that produces brass|MAGAZINE, a lifestyle money magazine written for young adults, by young adults.

1. Content provided in this presentation are the sole property of brass|MEDIA Inc. and shall not be used for reproduction or redistribution without the express permission of brass|MEDIA Inc. Bryan Sims, CEO

5. The Problem

8. Source: CUNA Research Services’ 2004 National Consumer Survey

9. Source: CUNA Research Services’ 2004 National Consumer Survey

10. Source: CUNA Research Services’ 2004 National Consumer Survey 22% 42%

12. Changing Times

25. Entrepreneurship

47. Source: comScore Media Metrix 7% 14,240 13,269 Total Internet Audience 14% 1,084 950 IRS.gov 22% 613 502 Wells Fargo 23% 872 711 Citigroup 23% 863 702 Capital One 69% 1,966 1,164 Bank of America 112% 478 225 Washington Mutual % Change February 2006 February 2005

51. 16-25 w/o Billpay 16-25 w/Billpay

52. 16-25 w/o Billpay 16-25 w/Billpay $4,053

53. 16-25 w/o Billpay 16-25 w/Billpay $4,053 $14,792

67. ESPN Zone Restaurant ESPN Web Video ESPN Mobile ESPN Cable ESPN Magazine ESPN Podcast