Learn how your organization can partner with Zions Bank and Dave Ramsey to improve the financial education of your employees

2. Why Did Zions Create Our
Eliminate Needless Debt (END) Program?
• Utah had consistently
ranked #1 in bankruptcy
rate in the nation (#9 for
2010 and Idaho is #17).
• More people saving more
money supports more
loans to businesses to
grow our economy.

3. What the END Program is Not . . .
• It is not exclusively for people seriously
in 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 does not require people t b k at
d t i l to bank t
Zions

4. What the END Program is . . .
• An educational program for anyone that wants to
save more, eliminate needless debt, and build
wealth
• 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 schools
• Special offers on Zions Bank products (optional)
• Program is also available in Spanish

5. What is Financial Peace University?
• The most effective personal finance course in
America
• Nationwide, the average family adds $ ,
, g y $2,700 to
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 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
program with over 4.5 million weekly li t
ith 4 5 illi kl listeners andd
his own daily cable TV program on the Fox
Business Network. Both deal with personal
finance issues.

6. Major FPU Results
• 1,000,000+ nationwide enrollments including more than 30,000 partici-
p
pants in nearly 1,000 Zions supported classes (mostly hosted by area
y pp ( y y
churches) 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

7. Local Businesses, Churches and Other Groups
Have Used Financial Peace University
y

8. Businesses and Churches Participating
in Financial Peace University - Utah
A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:
p g p g
Abundant Life Assembly (North Salt Lake) Cache County Sheriff’s Office Creekside Christian Fellowship (Park City) Good Shepherd Lutheran Church
Access Development Cache Employment and Training Center Crosspoint Church (SLC) (Lutheran)
A-Core Concrete Cache Valley Christian Center Crossroads Fellowship (Ogden) Grace Baptist Church (Bountiful)
ADP Calvary Baptist Church Crystal River Church Grace Community Bible Church (Sandy)
Advanced Family Dental Clinic (Cedar City) Calvary Chapel of Salt Lake Cultural Celebration Center Grace Lutheran Church (Sandy)
Adventure Foursquare Church (Am. Fork) Calvary Chapel Saint George Custom Covers Granger Christian Church
Adventure F
Ad t Foursquare Ch h (D
Church (Draper)) Calvary Fello ship Ch rch
Cal ar Fellowship Church (Am Fork) Davis Applied Technology College Granger Hunter Improvement District
Adventure Liberty Park Camp Williams Davis School District Grantsville High School
Aero-Graphics Canyon Pointe Ward (Spanish Fork) Daw Tech Gravel Masters
Aldersgate United Methodist Church (Brigham City) Canyon Road Assembly (Ogden) Deseret Power Great Harvest Church (Midvale)
Alphagraphics Capital Church Desert Edge Christian Chapel (Huntington) Great Life Foundation
Alpine 4th Ward Castle Dale Stake Desert Springs Church (St George) Greenville Elementary (North Logan)
Alpine Community Church (Riverdale) Cate Equipment Eagle Mountain City Griffin Memorial Church of God in Christ
Alpine Stake CenterPoint Church (Orem) Eagle Mountain East Stake Harris Dudley Construction
American Fork 31st Ward Centerville South Stake East Meadows Ward (Spanish Fork) Harris Research
H i R h
AMT Labs Central Refrigerated Services Ebenezer Church of God in Christ Health Equity
Arrowstar Construction Children’s Service Society Elevation Church (Layton) Heber 12th Ward
Ascension Lutheran Church (Ogden) Christ Evangelical Church (Orem) Emmanuel Baptist Church (Hyrum) Henderson Law Office
Ashley Valley Calvary Chapel (Vernal) Christ United Methodist Church Ephraim Church of the Bible Henefer City Hall
Aspen Meadows 1st Ward (Spanish Fork) Christian Heritage School (Roy) Evangelical Free Church Heritage Baptist Church (Rose Park)
Aspen Meadows 3rd Ward (Spanish Fork) Christian Life Assembly of God (Payson) e-Vin, The Emerging Vineyard (Taylorsville) Holladay Baptist Church
Autoliv Christian Life Center (Layton)
( y ) Farmington 4th Ward
g Huntington Stake
Bailey Moving Clear Channel Radio Farmington City Hurricane 15th Ward
Barco Media Clearfield City Fillmore 1st Ward Hyrum City
Beacon Metals Clearfield High School Fillmore 4th Ward Industrial Containers
Big D Construction Clearfield South Stake First Baptist Church (Roy) Interior Solution
Blanding Stake Clyde Companies Inc. First Baptist Church (West Valley) Intermountain Baptist Church
Blessed Sacrament Church (Sandy) Coalville City First Church of the Nazarene (SLC) Intermountain Power
Blomquist Hale Consulting Cole Holland Training Center First Southern Baptist Church (Bountiful) Interstate Hydraulics
Bob Barker Company Columbia Elementary (Kaysville) First Southern Baptist Church (Monticello) JC Penneys
Boondocks Fun Center Community Church of Clearfield Fort Herriman Stake LDS Jones and DeMille
Boy Scouts of America Community United Methodist Church (Ogden) Freedom Second Ward Jordan 3rd Ward
Bridgepoint Systems Connected Technologies, Inc Gateway Community Church (Draper) Jordan Meadows Ward (Lehi)
BYU 137th Ward Cottonwood Partners Gerber Construction K2 The Church
Cache County School District Country Park 2nd Ward Glenwood Ward Kaysville Stake
God's Place (Ogden) Kearns Improvement District

9. 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 Stake Ogden Christian Fellowship Roy Christian Church Stansbury Park High School
Keller Williams Real Estate Orem Sunset Heights 3rd Ward Salt Lake Church of Religious Science Steel Encounters
Kids on the Move Orem Sunset Heights 6th Ward Salt Lake Community College Steton
Lakeside Church (Syracuse) Orem Sunset Heights 7th Ward Salt Lake Granger East Stake STRATA Networks
Lakeside Community Church (Sunset) Orem Windsor Stake Salt Lake Grant Stake Summit Adventure Church (West Jordan)
Layton Hills Stake Our Saviors Lutheran Church (Roy) Salt Lake Little Cottonwood Stake Summit Chapel (Ogden)
Les Olsen Copiers Overlake 2nd Ward Salt Lake McKinley Ward
S lt L k M Ki l W d Summit School District
Lifeline Community (West Jordan) Pacific States Cast Iron Pipe Company Salt Lake Technical Center Sundance Resort
Living Waters Christian Fellowship (West Valley) Page Ward (Payson) Salt Lake Wilford Stake Sunny Ridge Ward (Spanish Fork)
Logan Church of Christ Parleys First Ward Sanderson Community Center (for deaf) Sunrise Valley Development
Loomis Armored US Payson Mountain View Stake Sandy Crescent North Stake Syracuse Homestead Ward
Maranatha Baptist Church (Logan) Pleasant Grove Manila Stake Sandy Crescent Park Stake Sysco
Marshall Industries Pleasant Grove Timpanogas Stake Sandy Crescent View Ward Taylorsville Central Stake
Midvale City Pleasant View 3rd Ward Santaquin 4th Ward Taylorsville City
y y
Midvalley Bible Ch h (Bl ffd l )
Mid ll Bibl Church (Bluffdale) Ponds Plumbing Santaquin North Stake Taylorsville Park Ward
Modern Display Price 4th Ward Segway of Utah The Fellowship (Sandy)
Morinda – Tahitian Noni Prince of Peace Lutheran Seventh-Day Adventist Church (Ogden) Genesis Project
Mount Vineyard Christian Fellowship (Park City) Provo City Shadow Mountain Church (West Jordan) The Rock Church (Sandy)
Mountain Life Evangelical (Park City) Provo East Stake SLC Foursquare Church This is the Place Heritage Park
Mountain of Faith Lutheran (Tooele) Provo Lakeside 10th Ward Snow College Tooele 1st Ward
Mountain View Christian Assembly Provo Peak 3rd Ward Sojourn Community Church Tooele First Assembly of God
Mountain View Fellowship (Heber) Provo Peak 7th Ward Sorensen Construction Tooele North Stake
Mountainland Design QSI Corp South Central Communications
th Transcript Bulletin Publishing
Murray 15 Ward Questar South Jordan 4th Ward TriTel Networks
Murray Little Cottonwood Stake Randolph Stake South Mountain Community Church (Draper) United Pentecostal Church (Midvale)
Murray North Stake RE/MAX Overland South Valley Baptist Church (Riverton) Union Pacific Railroad
Nebo Learning Center Rich County School District Southeast Christian Church (SLC) Uppercase Living
New Life Christian Center (St George) Richard Manufacturing Southside Church of Christ (West Jordan) US Synthetic
New Promise Lutheran Church (St George) Richfield East Stake Sperry Real Estate USU 2nd Stake
New Song Presbyterian Church Ridgecrest 2nd Ward (Bennion) Squire & Company PC
Company, USU Continuing Education - Murray
North Hills Christian Fellowship (Tremonton) Riverton North Stake Squire & Company, PC Utah Department of Workforce Services
North Ogden 19th Ward Rock Structures Excavating St James Catholic Church (Ogden) Utah Housing Corporation
North Salt Lake City Rocky Mountain ATV Saint John's Anglican Church (Park City) Utah Retirement Systems
Oakley City Town Hall Rocky Mountain Waterproofing St Luke’s Episcopal Church Utah Youth Village
Oasis Christian Church Rose Creek Crossing Ward (Riverton) St Luke’s Episcopal Church Valley Assembly of God
Rose Park North Stake St. Matthew's Lutheran Church Valley Emergency Communication Center
Staker Parsons Valley View East Stake
State of Utah Center (Ogden) Van Boerum & Frank Associates, Inc.

10. 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:
Vernal Christian Church
Vernal Stake
Wasatch 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
West J d S
W t Jordan Seventh-Day Ad
th D Adventist Ch h
ti t Church
West Lake Community Church (Saratoga Springs)
Western Metals Transport
Westland 1st Ward
Westminster Presbyterian Church (Layton)
Willard 2nd Ward
Wolf Hollow 2nd Ward (Spanish Fork)
Woods Cross High School
Woods Cross North Stake
Workforce Services
World Vision Assembly of God (Vernal)

11. Businesses and Churches Participating
in Financial Peace University – Idaho
A partial list of organizations that have hosted Super Saving Seminars and / or FPU classes as far back as 2003:
American Boise Northview Family Worship Center Firth LDS Firth Stake
Falls American Falls Assembly
Boise Park Center Assembly of God Fruitland West Valley Church
Blackfoot Calvary Bible Church
Boise Red Rock Christian Church Greenleaf Greenleaf Friends Church
Blackfoot Father's House
Boise River of Life Homedale Friends Community Church
Blackfoot First Baptist Church
Boise Saint John's Cathedral
John s
Blackfoot Meridian First Baptist Church Idaho Falls Church of Christ
Boise Second Baptist Church
Boise Amity United Methodist Church Idaho Falls First Church of the Nazarene
Boise The Pursuit
Boise Boise First Community Center
Idaho Falls First Presbyterian Church
Boise Ustick Baptist Church
Boise Boise First Nazarene
Idaho Falls Hope Lutheran Church
Boise Boise Valley Christian Communion Boise Vineyard Boise
Idaho Falls LDS Idaho Falls Lincoln Stake
Boise Capital City Baptist Church Caldwell Boise First Community Center
Jerome Believer's Church
Boise
B i Capitol City Ch i ti Ch h
C it l Cit Christian Church Caldwell Boone Memorial Presbyterian Church
Jerome First Presbyterian Church
Boise CBH Homes Caldwell Caldwell Christian Church
Kimberly Our Savior Lutheran Church
Boise Central Assembly Caldwell Caldwell Friends Church
Kuna First Baptist of Kuna
Boise Christ the King Community Church Caldwell Caldwell Police Department
Kuna Kuna Seventh Day Adventist Church
Boise Church of the Harvest Caldwell Church of the Brethren
Lapwai N.A.M.E. Outreach
Boise Cloverdale Church of God Caldwell Deer Flat Church
Lewiston Beautiful Savior Lutheran Church
Boise Cloverdale United Reformed Church Caldwell Oasis Worship Center
Lewiston Boise Vineyard
Boise Cole Community Church Caldwell The Crossing Church
Lewiston Lewiston Seventh Day Adventist
Boise Contact Christian Church Caldwell Valley Pentecostal Church
Lewiston Orchards Community Church
Boise Covenant Presbyterian Church Chubbuck Gate City Christian Church
Lewiston River City Church
Boise Eastwind Community Church Chubbuck Portneuf District Library
Lewiston Tammany View Baptist Church
Boise First United Methodist Church Chubbuck Redemption Christian Center
Lewiston Valley Christian Center
Boise Foothills Christian Church g
Eagle Eagle Christian Church
g
Malad City LDS Malad City
Boise Grace Chapel Eagle Eagle Nazarene Church
Menan LDS Menan
Boise Grace Community Church Eagle Organic Church
Meridian Boondocks
Boise Keller Williams Real Estate Emmett Community Bible Church
Meridian Canyon Ridge Church
Boise Mountain View Nazarene Filer First Baptist Church
Meridian Capital Christian Center

12. 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:
Meridian Center Point Church Nampa The Rock Twin Falls Twin Falls Reformed Church
Meridian Central Valley Baptist Church New Plymouth First Baptist Church Weiser Community Church of Weiser
Meridian Church of The Holy Nativity New Plymouth New Plymouth High School Weiser Oregon Trail Church of God
Meridian First Baptist Church Parma Kirkpatrick Memorial Community Church Weiser Weiser Community Church
Meridian
M idi General A
G l Assembly & Ch h
bl Church Payette Payette S
Seventh-day Adventist C
Church
Wendell Living Waters Presbyterian Church
Meridian Meridian Alliance Church Payette United Methodist Church
Wilder Mountain View Nazarene
Meridian Meridian First Baptist Church Pocatello Calvary Alliance Church
Meridian Meridian Gospel Tabernacle Pocatello First Baptist Church
Meridian Meridian United Methodist Church
Pocatello River of Life
Meridian Reflections Church
Pocatello Trinity Reformed Church
Meridian Ten Mile Community Church
Post Falls Summit Northwest Ministries
Meridian The Experience
Rathdrum Hayden Meadows Community Fellowship
Middleton First Baptist Church
Rexburg BYU Idaho – Financial Aid Office
Moscow Moscow Church of the Nazarene
Rupert Calvary Chapel of Idaho Falls
Moscow Moscow Seventh Day Adventist Church
Rupert Grace Community Church
Moscow The Summit Church
Sandpoint Cedar Hills Church
Mountain Home Amazing Grace Church
g
Mountain Home Mountain Home Air Force Base Sandpoint First Christian Church
Mountain Home Mountain Home Fire Department Sandpoint Saint Joseph Catholic Church
Nampa Bethel Church of the Nazarene Shelley Journey Community Church
Nampa Crossroad Community Church Soda Springs LDS Soda Springs
Nampa College Church of the Nazarene Twin Falls Bethel Church of the Nazarene
Nampa Crossroad Community Church Twin Falls Crossroads United Methodist Church
Nampa First Baptist Church Twin Falls First Church of the Nazarene
Nampa First Church of the Nazarene Twin Falls Lighthouse Christian Fellowship
Nampa Grace Bible Church Twin Falls Magic Valley Church of Christ
Nampa Oregon Trail Church of God Twin Falls Rock Creek Community Church
Twin Falls Stevens Pierce & Associates

13. Zions Bank Sponsors Utah High Schools
Financial Peace for the Next Generation
The following schools use Financial Peace for financial literacy classes thanks to Zions Bank’s purchase of course material
Bank s
•Altamont Altamont High School •Midvale Hillcrest High School •Saint George Dixie High School
•American Fork American Heritage School •Milford Milford High School •Saint George Milcreek High School
•Beaver Beaver High School •Moab Grand County High School •Salina North Sevier High School
•Bicknell Wayne High School •Monroe South Sevier High School •Salt Lake City Brighton High School
•Bountiful Viewmont High School •Montezuma Creek Whitehorse High School •Salt Lake City Cottonwood High School
•Brigham City
g y Dale Young Community High School
g y g •Monticello
Monticello Monticello High School •Salt Lake City East High School
•Castle Dale Emery High School •Mount Pleasant North Sanpete High School •Salt Lake City Granite High School
•Castle Valley DayStar Adventist Academy •Murray Murray High School •Salt Lake City Granite Peaks High School
•Cedar City Canyon View High School •North Logan Intech Collegiate College •Salt Lake City Highland High School
•Cedar City Cedar High School High School •Salt Lake City Kearns High School
•Cedar City Foothill High School •Ogden Ben Lomond High School •Salt Lake City Mountain View Learning Center
•Clearfield Clearfield High School •Ogden Bonneville High School •Salt Lake City Salt Lake Lutheran High School
•Delta CBA Center •Ogden Ogden High School •Salt Lake City Skyline High School
•Delta Delta High School
g •Ogden
g Saint Joseph High School
p g •Salt Lake City Taylorsville High School
•Eskdale Eskdale High School •Ogden Two Rivers High School •Salt Lake City Wasatch Canyon Hospital School
•Eureka Tintic High School •Ogden Washington High School •Salt Lake City West High School
•Ft. Duchesne Uintah River High School •Ogden Weber Basin High School •Sandy Alta High School
•Grantsville Grantsville High School •Ogden Weber High School •Sandy Jordan High School
•Green River Green River High School •Orderville Valley High School •Smithfield Sky View High School
•Highland Lone Peak High School •Orem Mountain View High School •South Jordan Bingham High School
•Ivins Tuacahn High School •Orem Orem High School •Spanish Fork American Leadership Academy
•Junction Piute Junior Senior High School
g •Orem Timpanogos High School
p g g •Tabiona Tabiona School
•Kaysville Canyon Heights School •Payson Payson High School •Tonalea Navajo Mountain High School
•Kaysville Davis High School •Pleasant Grove Pleasant Grove High School •Tooele Tooele High School South
•Kaysville Mountain High School •Price Carbon High School •Trout Creek West Desert High School
•Kaysville Nuames High School •Price Lighthouse Learning Center •Vernal Uintah High School
•La Verkin Cross Creek Academy •Provo Discovery Academy •Wendover Wendover High School
•Layton Northridge High School •Provo Independence High School •West Jordan Copper Hills High School
•Lehi Lehi High School •Provo Meridian School •West Jordan West Jordan High School
•Lindon Karl G. Maeser Prepatory Academy
y y •Provo Timpview High School
g •West Valley City East Hollywood High School
•Logan Cache High School •Provo Walden School Of Liberal •West Valley City Hunter High School
•Logan Logan High School Arts •Woods Cross Woods Cross High School
•Logan Logan North Campus School •Randolph Rich High School
•Magna Cyprus High School •Riverdell Christian Heritage School
•Magna Vista Private School •Riverton Riverton High School
•Manti Manti High School •Roosevelt Union Senior High School

14. What Employers Think of
the 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 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 pp
have 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 Resources
Aero Technologies G
A T h l i Group

15. What Employers Think of
the END Program and FPU (cont )
(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 payment
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 were
son-in-law.
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.”
information
Ken Riches, Pres / CEO,
Beacon Metals Inc

16. What Churches are Saying about
Financial 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!
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
cou se ast y, o
course. Lastly, from a sp tua pe spect e, those sa e families a e now faithful in pay g t e
spiritual perspective, t ose same a es are o a t u paying their
tithes 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

17. Free Super Saving Seminar
• Show the first one-hour FPU Super Saving lesson
– This seminar teaches to save for emergencies, purchases and
retirement
• 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 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

18. Sample Super Saving Material
8 ½ x 11 poster 8 page workbooklet
3 ½ x 8 ½ flyer

19. 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
employees.
employees
• 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
free,
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
household,
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.
• Recommend starting classes th week of September 12, 2011.
R d t ti l the k f S t b 12 2011

20. Conclusions
• 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 this
program is contributing to growing demand for this
program.
• See following p g for sample feedback from p
g pages p past
participants.

21. Selected Participant Comments Regarding
Program
• 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 plan
out 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
here. 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 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 "
save. peace 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.

22. Selected Participant Comments Regarding
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 our
money
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 $
budget. $.
• 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.

23. 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.

24. Schedule Your Free Super Saving Seminar(s)
Before Classes Start
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
Aug 1 2 3 4 5 6
Promote S
P t Super S i S i
Saving Seminar at Y
t Your O
Organization
i ti
7 8 9 10 11 12 13
14 15
5 16
6 17 18
8 19
9 20
0
Host Free Super Saving Seminar
21 22 23 24 25 26 27
28 29 30 31 Sep 1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
FPU Classes Begin
g

25. 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 other
business, community, and church leaders
that could benefit from seeing it.