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figure 10.9

. . . 4 Den you Home better terms on loons, and lower fees. Consider some of the following reasons to join Better Horizons and start saving today: 1 You come first. You are not just a customer, you are an owner and member. That means you have a voice in how the credit union is run. You can serve on committees and even be elected to the Board of Directors. 2. You pay lower rates on car loans. You can get car loan rotes that are between 15 and 1.75 percentage points lower than at any of the banks in town. Consider the savings: Provides a NEED and SOLUTION On a 4-year $15,000 new car loan: You save about $680. On a 4-year $5,000 used car loan: You save about $200. 3. You pay lower rates on unsecured loans. You can get unsecured loans for unforeseen expenses at much lower rates at credit unions than banks. On average, unsecured loans are a full 2 percentage points lower than any bank. Consider the savings: On a 3-year $15,000 unsecured loan: You save about $640. Provides RATIONALE On a 3-year $5,000 unsecured loan: You save about $215. You can get mortgages more conveniently and at lower costs. You can get mortgages approved within one business day at Better Horizons. . On a 30-year mortgage, you can get a rate as tow as 5.31 percent compared to rates of 5.35 to 5.42 percent at competitor banks in town. For a $200,000 mortgage, that amounts to a savings of between $1,800 and $4,900 over the course of the loan. You can get closing costs that overage $1.900 compared to between $2,800 and $3.000 at competitor banks 5 You earn higher interest on your checking and savings accounts. Currently, you earn between 3 and 5 percentage points more interest than at any bank in town. That can add up fast. For an account with an average of $5,000, that will bring you an extra $15 to $25 per year, You pay tess in fees. I banking fees bother your credit unions are the place for you. Overdraft foes, late payment foes on credit cards, and many other fees are lower or Better Horizons than at any local bank. For example, overdraft fees at Better Horizons are $19 compared to $35 to 550 at other local banks 7 You will have a free retirement and financial planning advisor, Better Horizons has always employed a full time financial planning advisor who can help you with your financial planning questions Your savings are safest at credit unions. In the recent economic downturn, bars were five times more Skely to fall than credit unions Botter Horizons has always been in excellent financial condition, even during economic downturns Shows VAIDATON other perspectives with all these benefits, why would everyone choose credit unions? That's a go question. Some people Deefer banks because they often have branches and ATMs throughout the country, which is convenient for travel Also, come people say that banks offer more services. And, many people can know much about credit unions at all. We encourage you to stop by Better Horizons and make Grect compos with your current bank. You'll find that banking with Better Horizons saves you may provides convenience when you travel and offers services tot y tranking need 6. Please stop by anytime and meet with Ms. Norah Stevens o another bei specialist to a more Ort out the online membershooption New members who complete an aplication before September 1 will receive 350 cash in the now checking account Conce with cad to ACTION 2.727 Better Horns. Pesca FUBOLT342300 og Web www bhong To... Anderson, Jamal Subject: Join the Better Horizons Team to Fight Breast Cancer; Register for the Hope Walkathon by September 21 This message is personalized, exciting, inspiring, Hello Jamal: and motivating. It lives up to the theme: hope. Please join our team in this year's Hope Walkathon in the fight against breast cancer. Last year, our team of 415 members raised $23,000 for the Betty Williams Breast Center, located right here in our town Breast cancer affects our community deeply-but there is hope! Many advances in prevention and treatment are made possible by the proceeds from the Hope Walkathon. You can help make a difference for women here in our community Consider the following facts: . About 50 women per year in our county are diagnosed with breast cancer. Seven of our credit union members were diagnosed with breast cancer last year (that we know of) About 1 in 8 women in our community will be diagnosed with breast cancer during their lifetime. Breast cancer is the second deadliest cancer in women. The five-year survival rate for breast cancer is 95 percent when it is detected early. . . Aa All proceeds of the walkathon go directly to the Betty Williams Breast Center and promote community education, research, and support for low-income patients and families. The Betty Williams Breast Center runs a nationally accredited program for treatment of breast cancer. It also contributes to a national network of breast centers that are at the forefront of research for improving treatments. The breast center is active in educating our community about detecting breast cancer early. It spreads the word about breast self-exams, mammograms, and other forms of prevention. The Betty Williams Breast Center began with an initial donation by Betty Williams, a breast cancer survivor and longtime Best Horizons member. You can see her at the walkathon, where she will be participating for the 17th consecutive year! Registration is just $50 per person. If you are not able to participate in the walkathon, you are still welcome to register and make your donation to the Betty Williams Breast Center. Each Better Horizons participating member will receive a Hope Walkathon T-shirt, a Better Horizons water bottle, and a copy of Lifestyle Choices to Help Avoid Cancer. Best of all, your money goes to a great cause. To join the Better Horizons Credit Union team, complete an online application or send your application by mail. Please complete the application by September 21 to secure your spot and T-shirt. Your shirt will be mailed to you so that you can wear it for the walkathon. The walkathon will be held on Saturday, October 6 at 9:00 am at Central Park. Please join Betty and the rest of the Better Horizons team for a day of fun, excitement, and hope! Thanks, Haniz Review Figure 10.7 in your textbook. Note where the components of the message are located and how they are constructed Evaluate Better Horizons Credit Union's promotional message in Figure 10.9, p. 318. Consider implicit messages that might be present. Answer the following question 1. Identify components of the message, (attention, need, solution, rationale, appreciation, counterpoints, action) Provide examples 2. Which psychological methods of influence does the message use? (reciprocation, consistency, social proof, liking. authority, scarcity) Provide examples. 3. What logical appeals are used? Provide examples. 4. What emotional appeals are used? Provide examples . . . 4 Den you Home better terms on loons, and lower fees. Consider some of the following reasons to join Better Horizons and start saving today: 1 You come first. You are not just a customer, you are an owner and member. That means you have a voice in how the credit union is run. You can serve on committees and even be elected to the Board of Directors. 2. You pay lower rates on car loans. You can get car loan rotes that are between 15 and 1.75 percentage points lower than at any of the banks in town. Consider the savings: Provides a NEED and SOLUTION On a 4-year $15,000 new car loan: You save about $680. On a 4-year $5,000 used car loan: You save about $200. 3. You pay lower rates on unsecured loans. You can get unsecured loans for unforeseen expenses at much lower rates at credit unions than banks. On average, unsecured loans are a full 2 percentage points lower than any bank. Consider the savings: On a 3-year $15,000 unsecured loan: You save about $640. Provides RATIONALE On a 3-year $5,000 unsecured loan: You save about $215. You can get mortgages more conveniently and at lower costs. You can get mortgages approved within one business day at Better Horizons. . On a 30-year mortgage, you can get a rate as tow as 5.31 percent compared to rates of 5.35 to 5.42 percent at competitor banks in town. For a $200,000 mortgage, that amounts to a savings of between $1,800 and $4,900 over the course of the loan. You can get closing costs that overage $1.900 compared to between $2,800 and $3.000 at competitor banks 5 You earn higher interest on your checking and savings accounts. Currently, you earn between 3 and 5 percentage points more interest than at any bank in town. That can add up fast. For an account with an average of $5,000, that will bring you an extra $15 to $25 per year, You pay tess in fees. I banking fees bother your credit unions are the place for you. Overdraft foes, late payment foes on credit cards, and many other fees are lower or Better Horizons than at any local bank. For example, overdraft fees at Better Horizons are $19 compared to $35 to 550 at other local banks 7 You will have a free retirement and financial planning advisor, Better Horizons has always employed a full time financial planning advisor who can help you with your financial planning questions Your savings are safest at credit unions. In the recent economic downturn, bars were five times more Skely to fall than credit unions Botter Horizons has always been in excellent financial condition, even during economic downturns Shows VAIDATON other perspectives with all these benefits, why would everyone choose credit unions? That's a go question. Some people Deefer banks because they often have branches and ATMs throughout the country, which is convenient for travel Also, come people say that banks offer more services. And, many people can know much about credit unions at all. We encourage you to stop by Better Horizons and make Grect compos with your current bank. You'll find that banking with Better Horizons saves you may provides convenience when you travel and offers services tot y tranking need 6. Please stop by anytime and meet with Ms. Norah Stevens o another bei specialist to a more Ort out the online membershooption New members who complete an aplication before September 1 will receive 350 cash in the now checking account Conce with cad to ACTION 2.727 Better Horns. Pesca FUBOLT342300 og Web www bhong To... Anderson, Jamal Subject: Join the Better Horizons Team to Fight Breast Cancer; Register for the Hope Walkathon by September 21 This message is personalized, exciting, inspiring, Hello Jamal: and motivating. It lives up to the theme: hope. Please join our team in this year's Hope Walkathon in the fight against breast cancer. Last year, our team of 415 members raised $23,000 for the Betty Williams Breast Center, located right here in our town Breast cancer affects our community deeply-but there is hope! Many advances in prevention and treatment are made possible by the proceeds from the Hope Walkathon. You can help make a difference for women here in our community Consider the following facts: . About 50 women per year in our county are diagnosed with breast cancer. Seven of our credit union members were diagnosed with breast cancer last year (that we know of) About 1 in 8 women in our community will be diagnosed with breast cancer during their lifetime. Breast cancer is the second deadliest cancer in women. The five-year survival rate for breast cancer is 95 percent when it is detected early. . . Aa All proceeds of the walkathon go directly to the Betty Williams Breast Center and promote community education, research, and support for low-income patients and families. The Betty Williams Breast Center runs a nationally accredited program for treatment of breast cancer. It also contributes to a national network of breast centers that are at the forefront of research for improving treatments. The breast center is active in educating our community about detecting breast cancer early. It spreads the word about breast self-exams, mammograms, and other forms of prevention. The Betty Williams Breast Center began with an initial donation by Betty Williams, a breast cancer survivor and longtime Best Horizons member. You can see her at the walkathon, where she will be participating for the 17th consecutive year! Registration is just $50 per person. If you are not able to participate in the walkathon, you are still welcome to register and make your donation to the Betty Williams Breast Center. Each Better Horizons participating member will receive a Hope Walkathon T-shirt, a Better Horizons water bottle, and a copy of Lifestyle Choices to Help Avoid Cancer. Best of all, your money goes to a great cause. To join the Better Horizons Credit Union team, complete an online application or send your application by mail. Please complete the application by September 21 to secure your spot and T-shirt. Your shirt will be mailed to you so that you can wear it for the walkathon. The walkathon will be held on Saturday, October 6 at 9:00 am at Central Park. Please join Betty and the rest of the Better Horizons team for a day of fun, excitement, and hope! Thanks, Haniz Review Figure 10.7 in your textbook. Note where the components of the message are located and how they are constructed Evaluate Better Horizons Credit Union's promotional message in Figure 10.9, p. 318. Consider implicit messages that might be present. Answer the following question 1. Identify components of the message, (attention, need, solution, rationale, appreciation, counterpoints, action) Provide examples 2. Which psychological methods of influence does the message use? (reciprocation, consistency, social proof, liking. authority, scarcity) Provide examples. 3. What logical appeals are used? Provide examples. 4. What emotional appeals are used? Provide examples