1. Return increased value to members when your net worth ratio is healthy (anything above 7.5%)

2. Examine each segment of your membership and develop programs tailored to each one.

3. Support your affinity groups to the highest possible level.

4. Make online lending applications very fast and very simple.

5. Target segment groups with marketing they will respond to: direct mail for older groups and website marketing for younger groups. Use focus groups to drive your future.

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