See how Zions Bank employees improved their financial situation after participating in Financial Peace University

1. Are Your Employees Financially Fit?
Zions Bank Employee Participation In
Financial P
Fi i l Peace U i
University
it
Fall 2010 Survey

2. If Your Business Is Average . . .
• 40% of team members admit that stress over
money negatively affects their productivity
productivity.
• Personal finance is the number one personal
issue causing stress in the workplace
workplace.
• Workers waste 20+ hours a month thinking
about and dealing with personal money matters
matters.
• Regardless of income, 70% of Americans are
living paycheck to paycheck
paycheck.

3. A Proven Solution to Address
Your Employee Financial Struggles
• Zions Bank recognizes that helping our business
clients improve the financial behavior of their
employees will improve the business, making
them a better client
client.
• Zions Bank has teamed up with financial guru
Dave Ramsey to promote his Financial Peace
University (FPU) in Utah and Idaho.
• The average household adds $2,700 to savings
g , g
and pays off $5,300 in debt in 91 days.

4. What is Financial Peace University?
• Financial Peace University (FPU) is a 13 week
class that meets in two hour sessions covering
different financial topics.
• Over one million families have attended the
program nationwide.
• Zions Bank has supported hundreds of classes
in Utah and Idaho attended by over 25,000
p p
people.

5. Survey Background
• To determine the long term results of FPU, Zions
Bank surveyed 102 employees who attended
FPU between 2003 and 2010.
• The average employee has added $15,600 to
g p y ,
savings and paid off $16,300 of debt.
• 33% have paid off all consumer debts.
• 38% have increased their 401k contributions by
a 6% average.

6. Survey Details
• 79% reported their financial situation has improved after
attending FPU.
• 94% reported improved financial skills after attending the class
(56% reported skills were much better).
• The average employee has paid off $16,300 in consumer debt
(They report still having an average of $
$16,600 in debt).
• The average employee has added $15,600 to non-retirement
savings.
• 33% report having paid off all consumer debt in amounts ranging
from $500 to $40,000.
• 81% reported lower stress and greater productivity after
attending FPU
tt di FPU.

7. Survey Details (continued)
• 73% anticipate they will be able to retire sooner and/or with more
money due to what they learned.
• 38% have increased the amount they contribute to their 401(k).
• On average they have increased their 401(k) contributions by
6%.
– If you assume that the 401(k) earns 8% a year, a 30 year old
making $40,000 and getting a 3% raise each year would have
an extra $700,000 for retirement from this new 6%
contribution b age 67 ( d th t’ not even counting any
t ib ti by (and that’s t ti
resulting employer matching funds which could cause this
total to exceed $1,000,000).

8. Employees Sound Off About FPU
• I worked the program for 4 years and we paid off all our debt except the
house.
• Having a well defined plan of attack Very easy step 1, step 2.
attack. easy, 1 2
• Confirmed the values and principles I have espoused for years.
• It was able to help my wife and I develop a plan that works each month for a
monthly budget.
• No more fights abo t mone with m wife.
about money ith my ife
• Gave me a lot of hope and a feeling of control.
• My husband for the first time in our marriage sat down at the computer
using Dave's Gazelle program and realized we spent more than we made.
We
W were filling th gap using our credit cards. H sold hi t k th next
filli the i dit d He ld his truck the t
day. What a blessing!
• It gave me the knowledge I was missing to manage my money better.
• Inspired me to get my children enrolled. All adult children has taken it and
they ll think
th all thi k it was one of th b t thi
f the best things th t we, as parents, did f th
that t for them.
• Having the discipline to not spend money that I don't have.
• Using the snowball effect. I plan on having my home paid off in 5 more yrs.

9. Employees Sound Off About FPU (Continued)
• I share the knowledge with others to help them. Debt will stress all parts of
your life. Managing your debt is a key part to a happy life.
• Learning to watch where my money goes, instead of just spending. I keep
better track.
track
• The envelope system really work. Stopped bad habits of overspending .
• Better understanding of retirement options and allocation of funds.
• That I can feel safe and secure in my finances no matter where I'm at
y
currently.
• Shared knowledge and understanding on investments and insurance.
• Gained strength from others trying to obtain debt freedom like myself.
• Client interactions are better
better.
• I increased my 401k contributions from 5% to 15%. I have replaced the tax
deduction of home interest expense with additional charitable contributions.
• More savings in the bank because I am not constantly using my debit card.
• It gave us a clear direction and helped show us solid financial goals that we
both fully bought into. Its principles continue to be the foundation for every
one of our financial decisions. I recommend it to everyone!

10. Is FPU for You?
• There is no cost to the business or employees to
participate in a one hour showing of the lesson 1
Super Saving that teaches about saving for
retirement, major purchases, and emergencies.
• There is no cost to the business if they decide to
host the 13 week FPU course for the general
public and their employees
employees.
• Cost per household to attend is $99. In 8 years
and 25,000 participants, we have never had
anyone ask for their money back.

11. 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
A-Core Concrete Calvary Chapel of Salt Lake Ebenezer Church of God in Christ Holladay Baptist Church
Abundant Life Assembly (North Salt Lake) Calvary Fellowship Church (Am Fork) Elevation Church (Layton) Huntington Stake
Access Development Canyon Road Assembly (Ogden) Emmanuel Baptist Church (Hyrum) Hurricane 15th Ward
ADP Inc. Canyon Pointe Ward (Spanish Fork) Ephraim Church of the Bible Hyrum City
Adventure Foursquare Church (Draper) Castle Dale Stake Evangelical Free Church Industrial Containers
Adventure Foursquare Church (Am. Fork) Cate Equipment Farmington City Interior Solution
Aero Graphics
Aero-Graphics Children s
Children’s Service Society Farmington 4th Ward Intermountain Baptist Church
Aldersgate United Methodist Church (Brigham City) Christ Evangelical Church (Orem) The Fellowship (Sandy) Intermountain Power
Alphagraphics Christ United Methodist Church Fillmore 1st Ward Interstate Hydraulics
Alpine 4th Ward Christian Life Center (Layton) Fillmore 4th Ward JC Penneys
Alpine Church (Layton) Christian Life Assembly of God (Payson) First Baptist Church (Brigham City) Jones and DeMille
Alpine Community Church (Riverdale) Centerville South Stake First Baptist Church (Roy) Jordan 3rd Ward
Alpine Stake Central Refrigerated Services First Baptist Church (West Valley) K2 The Church
AMT Labs Clear Channel Radio First Church of the Nazarene (SLC) Kaysville Stake
American Fork 31st Ward Clearfield City First Southern Baptist Church (Bountiful) Kearns Improvement District
Arrowstar Construction Clearfield South Stake First Southern Baptist Church (Monticello) Kearns Western Hills Stake
Ascension Lutheran Church (Ogden) Clyde Companies Inc. Fort Herriman Stake LDS Kids on the Move
Aspen Meadows 1st Ward (Spanish Fork) Coalville City Freedom Second Ward Lakeridge 3rd Ward (Orem)
Aspen Meadows 3rd Ward (Spanish Fork) Community United Methodist Church (Ogden) Gateway Community Church (Draper) Lakeside Church (Syracuse)
Autoliv Cottonwood Partners Gerber Construction Lakeside Community Church (Sunset)
Bailey Moving Country Park 2nd Ward Glenwood Ward Layton Hills Stake
Barco Media Creekside Christian Fellowship (Park City) God's Place (Ogden) Les Olsen Copiers
Beacon Metals Crosspoint Church (SLC) Good Shepherd Lutheran Church (Lutheran) Lifeline Community (West Jordan)
Big D Construction Crossroads Fellowship (Ogden) Grace Baptist Church (Bountiful) Living Waters Christian Fellowship (West Valley)
Blanding Stake Crystal River Church Grace Lutheran Church (Sandy) Logan Church of Christ
Blessed Sacrament Church (Sandy) Cultural Celebration Center Granger Christian Church Loomis Armored US
Blomquist Hale Consulting Custom Covers Granger Hunter Improvement District Maranatha Baptist Church (Logan)
Bob Barker Company Davis Applied Technology College Gravel Masters Marshall Industries
Boondocks Fun Center Davis School District Great Harvest Church (Midvale) Midvalley Bible Church (Bluffdale)
Boy Scouts of America Daw Tech Great Life Foundation Midvale City
Bridgepoint Systems Deseret Power Griffin Memorial Church of God in Christ Moab Seventh Day Adventist Church
BYU 137th Ward Desert Edge Christian Chapel (Huntington) Harris Dudley Construction Modern Display
Cache County School District Desert Springs Church (St George) Harris Research Morinda – Tahitian Noni
Cache County Sheriff’s Office
Sheriff s e-Vin,
e Vin The Emerging Vineyard (Taylorsville) Heber 12th Ward Mount Vineyard Christian Fellowship (Park City)
Cache Employment and Training Center Eagle Mountain City Henefer City Hall Mountain Life Evangelical (Park City)
Cache Valley Christian Center Eagle Mountain East Stake Heritage Baptist Church (Rose Park) Mountain of Faith Lutheran (Tooele)
Calvary Baptist Church Eagle Pointe Title Hilltop United Methodist Church (Sandy) Mountain View Christian Assembly

12. 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
Mountainland Design Ridgecrest 2nd Ward (Bennion) South Centeral Communications US Synthetic
Murray Little Cottonwood Stake Riverton North Stake South Jordan 4th Ward USU 2nd Stake
Murray North Stake The Rock Church (Sandy) South Mountain Community Church USU Continuing Education - Murray
Nebo Learning Center Rock Structures Excavating South Valley Baptist Church (Riverton) Valley Assembly of God
North Ogden 19th Ward Rocky Mountain ATV Southeast Christian Church (SLC) Valley Emergency Communication Center
New Promise Lutheran Church (St George) Rocky Mountain Waterproofing Southside Church of Christ (West Jordan) Valley View East Stake
New Song Presbyterian Church Rose Creek Crossing Ward (Riverton) Spanish F k 12th W d
S i h Fork Ward Van Boerum & Frank Associates, Inc.
North Hills Christian Fellowship (Tremonton) Rose Park North Stake Sperry Real Estate Squire & Company, PC Vermont 1st Ward (Orem)
North Salt Lake City Roy Christian Church Staker Parsons Vernal Christian Church World
Oakley City Town Hall St James Catholic Church (Ogden) State of Utah Center (Ogden) Vernal Stake
Oasis Christian Church St Jude’s Episcopal Church (Cedar City) Steel Encounters Wasatch Electrical
Ogden Christian Fellowship St Luke’s Episcopal Church Steton Wasatch Evangelical Free Church (Roy)
Orem Sunset Heights 3rd Ward
St. Matthew's Lutheran Church STRATA Networks Wasatch Hills Seventh-Day Adventist Church
Orem Sunset Heights 6th Ward
Salt Lake Church of Religious Science Summit Adventure Church (West Jordan) Water’s Edge (Stansbury Park)
Orem Sunset Heights 7th Ward
Salt Lake Community College Summit Chapel (Ogden) Weber State University
Orem Windsor Stake
Salt Lake Granger E t Stake
S lt L k G East St k Summit School District Wencor
Our Saviors Lutheran Church (Roy)
Salt Lake Grant Stake Sundance Resort West Bountiful Stake
Overlake 2nd Ward
Salt Lake Little Cottonwood Stake Sunny Ridge Ward (Spanish Fork) West Jordan River Oaks Stake
Pacific States Cast Iron Pipe Company
Salt Lake McKinley Ward Sunrise Valley Development West Jordan Mountain View 2nd Ward
Page Ward (Payson)
Salt Lake Technical Center Syracuse Homestead Ward West Jordan Seventh-Day Adventist Church
Payson Mountain View Stake
Pleasant Grove Manila Stake Salt Lake Wilford Stake Sysco West Lake Community Church (Saratoga Springs)
Pleasant Grove Timpanogas Stake Sanderson Community Center (for deaf) Taylorsville City Western Metals Transport
Pleasant View 3rd Ward Sandy Crescent North Stake Taylorsville Central Stake Westland 1st Ward
Ponds Plumbing Sandy Crescent Park Stake Taylorsville Park Ward Westminster Presbyterian Church (Layton)
Price 4th Ward Sandy Crescent View Ward This is the Place Heritage Park Willard 2nd Ward
Prince of Peace Lutheran Sandy Ridge Community Church Tooele First Assembly of God Wolf Hollow 2nd Ward (Spanish Fork)
Provo City Santaquin 4th Ward Tooele 1st Ward Woods Cross North Stake
Provo East Stake Santaquin North Stake Tooele North Stake Workforce Services
Provo Lakeside 10th Ward Segway of Utah Transcript Bulletin Publishing World Vision Assembly of God (Vernal)
Provo Peak 3rd Ward Seventh-Day Adventist Church (Ogden) TriTel Networks
Provo Peak 7th Ward Shadow Mountain Church (West Jordan) Union Pacific Railroad
QSI Corp SLC Foursquare Church Uppercase Living
Questar Corp Snow College Utah Department of Workforce Services
Randolph Stake
R d l h St k Sojourn Community Church Utah Housing Corporation
Rich County School District Sonrise Baptist Church (West Valley) Utah Retirement Systems
Richfield East Stake Sorensen Construction Utah State Bar Association
Richard Manufacturing

13. For more information:
• Don Milne, Financial Literacy Manager,
801-844-7977, don.milne@zionsbank.com
801 844 7977 don milne@zionsbank com
• Website: www.endprogram.com
– W t h the FPU orientation video li k d
Watch th i t ti id linked
to this website
• Vi it www.daveramsey.com/zionsbank t
Visit d / i b k to
watch the free lesson one Super Saving
• I f
Information on FPU classes: 1-800-376-
ti l 1 800 376
7092 or endprogram@zionsbank.com