STRATEGY Encourage members to take out a personal loan to fund their goals— travel, recreational vehicles, vacation, etc.

TARGET AUDIENCE Data mine members who have not opened a personal loan in the past year, or those making regular payments to other financial. institutions

MESSAGE Low rates, secured or unsecured, instant online decisions.

CHANNEL Single mailer or a series with payment examples and easy online application; landing page with program details; follow-up email.

INCENTIVE Receive up to 3% cash back when you open a new loan.