Business Solutions

First of all - THANK YOU for getting to know me and providing such a fabulous incentive for our employees AND our customers! The Vacation Travel packages have sparked great interest - with everyone.

As you already know, I plan to have a campaign designed to increase our deposit accounts by 250 - 500 late next fall. In the meantime, I have some immediate needs for our small business customers as well as our employees - and this particular package seemed to be a good fit. Boy - was I right!

We are offering this incentive to our employees for referring customers to our new Liberty Gold account. To top it off, they get CASH from the bank for every account they refer after the first one. Think about it - they get to go on vacation, and if they refer enough accounts, the bank will pay for everything! In addition to the internal promotion, we are offering this package to our small business customers who take advantage of our direct deposit management services - and we feel good about this offer because it is so easy to use!

We have had one employee already call to activate the package. She was impressed at how EASY it was. The entire process took less than 5 minutes, and as an added bonus, all of the locations are someplace we wouldn’t mind visiting. It is easy to promote something to our customers that we are excited about ourselves.

Thanks again, Kristen - I am looking forward to many more promotions. As a matter of fact, I can see us becoming the bank that “send s you on vacation - every year!”

Becky L McCartney
Vice President, Marketing and Deposits
Corn Belt Bank & Trust Company

The Vacation Travel program was the best promotion that First National Bank did all year long. It has had a real impact on our deposit growth this year!

The Bank kicked off the corporate-wide deposit promotion on April 19^th and ran the promotion through June 30^th. Deposits increased by $3,549,381 during the campaign. Of this amount, $2,906,721 was demand deposits that were not rate sensitive and were directly attributable to the deposit promotion. We gave away approximately 784 of our 1,000 vacation packages during the promotion. This number exceeded our goal for the campaign. Media consisted of radio, newspaper and lobby posters.

We had several customers that received a vacation package call to tell us that everything went like clockwork and they had a wonderful time. We had customers ask us, "What's the gimmick?" They could not believe we were doing this!!

Our Bank President was so impressed that he has told several of his "banking buddies" about the promotion! We look forward to working with you again in the future.

P.O. Box 22090, 135 Section Line Road
Hot Springs, Arkansas 71903-2090
(501) 525-7999. Fax (501) 525-9333
www.fnbhotsprings.com

The Travel Vacation program is proving to be one of the best tools we ever used for converting subscribers to Easy Pay. In just 10 weeks, over 500 customers enrolled in our automatic payment program.

The fact that the program is cost effective and easy to implement only increases the enthusiasm with which I recommend Travel Incentives as a loyalty building tool for newspapers.

Thank you for a great product and terrific customer service provided by Xcel Marketing.

I would just like to take a minute and brag about how well the Travel Incentives Vacations has worked for me.

My name is Joe Tribett and I'm the manager of Safely-Tucked Away ministorage. I've been working here for just over a month. One of my important and vital responsibilities is closing a lease agreement on a storage unit. Basically, selling the storage units.

Well, the Travel Package has been a great tool for me. It really helps to close the deal. We have our standard storage units and our climate controlled units, which are the hardest to sell. Especially when we have the minimum of a three month lease.

With the Travel Package, I've been able to sell three 12 month contracts and two 6 month contracts in climate controlled units. In one months time that is amazing. Our climate controlled units bring in double the amount of our standard.

The majority of all our inquiries are for standard storage units. I'm so glad that we have this offer. Every one of those deals were closed due to the vacation package. We also have a flyer in our office promoting the Vacation special and folks always ask about it.

We have been extremely pleased with the results of our programs that feature travel vouchers. Initially we targeted "at risk" subscribers asking for conversion to EZ-pay in exchange for a travel certificate. The response rate exceeded 4% - far above our 1% expectation. Based on this response rate, we expanded our travel certificate promotions to include online, telemarketing, single copy inserts, in-paper, retention department and direct mail offers for both new starts and EZ-pay conversions. The perceived value of the travel certificate influences an amazing response from customers. Also, I greatly appreciate your commitment to excellent customer service.

You are welcome to share my comments and results with others interested in using vacation travel vouchers. Additionally, you may pass along my contact information to those interested in more information on our vacation programs.

Tim Baumgartner
Circulation Sales & Marketing Manager
The Tennessean Newspaper
1100 Broadway
Nashville, TN 37203-3134
(615) 259-8382
(615) 726-5921 FAX
www.tennessean.com

Kristin Druey, President of Ouch! Marketing has been extremely instrumental in raising low cost deposits for our bank. For the last three months, we have been involved in an awesome promotion. A three day, two night lodging was given to anyone opening a new account. This Get Up and Go!^® promotion has increased our new account activity by at least 35%.

We are an 8 year old bank with an asset size of $340,000,000.00. Our CEO was told of a vacation promo, offered to new account customers, at another bank. In an effort to gain more share of the Market in our area, we placed a call to Kristen. From that initial phone call to the final day of the promotion, Kristen and her awesome staff have been fantastic to work with.

At Community First Bank, customer service is a very high priority. We believe it is what separates us from the other 7 banks in town, the only reason we have grown to this size in just 8 short years. Kristen and her staff believe in customer service as much as we do……this common thread was the foundation for a partnership that lead us to such a successful promotion.

Today is the final day of our vacation promotion; I can honestly say there have been no issues, problems or concerns with the vacation promotion. We have given away over 1500 vacation packages during the last three months. There have been a couple of customers who felt they had an issue. I was so impressed with Kristen. When these "couple" of issues arose, she went above and beyond for the customer to be sure they were satisfied, even though the issue was not her responsibility. She wanted no negative effect to our bank.

I highly recommend Kristen and her company. I assure you, that you will be served by a staff that is very professional, very organized, and who places customer service at the VERY top of their priorities.

Call me anytime. I would love the opportunity to share the experience we've had with Ouch! Marketing.

Desert Toyota and Scion of Las Vegas

July 12, 2005

Larry Tyler
Vacation Travel Certificates
10020 Hermit Rapids Ave.
Las Vegas, Nevada 89148

Dear Larry,

On behalf of Desert Toyota and Scion of Las Vegas, I’d like to express my great pleasure with the results you have brought us with the Travel Certificates!

We’re really pleased with the response we get when we use the Travel Certificates as incentives to get buyers into our dealership to check out our cars. When we tell them they just have to come in to take advantage of our Desert Toyota promotion campaign, they jump on it. When we make call-outs and tell them about the travel promotion, our salesmen really increase the percentage of set appointments.

Also, when we attach the Travel Certificates as added incentive to come to our dealership promotion when we promote ourselves with e-mail e-blasts, our response rate is greatly increased, too. I won’t tell you exact numbers, but I will say our percentage of response is higher than the usual tokens and free dinner giveaways.

For those who come in without knowing about the Travel Certificate program, we use them as closing tool — you can really see the buyers get excited about their new car and that they get the travel premium as a bonus. It makes a difference and we believe it makes a sale.

We’re going into a second round of using the Travel Certificates because the first round was so successful. It works for us! Thanks!

Reggie Miller
Desert Toyota and Scion of Las Vegas
Fleet Sales
Internet Director