Let AutoHunter track `em down to save you time and money. Let

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Let AutoHunter track `em down to save you time and money. Let
3460-AUTOBUYING 10-06
10/18/06
4:30 PM
Page 1
Campaign: Navy Federal Buying Service Test
Materials produced: Poster, Counter Sign and Take-One
Target: Members that want an exclusive service to purchase
automobiles with Navy Federal financing. The test was run in
Southern California and was an in-branch campaign targeted
mainly 20-50 year old members.
Concept: Started by sketching ideas, working with copywriter,
presented to creative director, narrowed to 3 different ideas,
Produced tight sketches with for client presentation to approve
concept. Winning concept was the character Navy Federal Jack the
auto bargain hunter. He makes it easy to shop around for automobiles. Saving you time and money
Process: Made tight sketch of character, scanned and placed into
Adobe Illustrator to use a base for illustration. Utilized layers and
transparency to achieve desired effect. Then brought into Quark
Xpress to finish layout. After approval, ran color separations,
collected for output and burned to disk. Sent to Procurement
department to purchase printing.
Navy Federal’s
AutoHunter Service
takes on the jungle of
car shopping for you.
• New Cars
• Certified Used Cars
• Pre-Owned Navy Federal
Lease Returns
Let AutoHunter track
‘em down to save you
time and money.
•
•
•
•
•
Select CALIFORNIA
AUTO SERVICES
Copyright © 2006 Navy Federal NFCU 3460 (10-06)
Free Expert Service and No Hassle Ever!
Personal Delivery at Your Location
Rapid Response—One Call Starts It All
Low Loan & Lease Rates
Free Appraisals on Trade-ins
Campaign: Tween Birthday Card
Materials produced: Direct Mail card
Target: Members that are a part of Navy Federal’s Kids Club that
are between the ages of 8 to 12 years.
Concept: Started by sketching ideas, presented to creative
director, narrowed to 3 different ideas, Produced tight (digital)
sketches for client presentation to approve concept. Winning
concept was this card.
Process: Researched imagery on Tween/tween web sites and
searched for images that would appeal to the age group. Made
tight sketches on the computer using Adobe Photoshop. Utilized
layers, layer effects, vector based imagery, masks and transparency to achieve desired effect. Then brought into Quark Xpress to
finish layout. After approval, paid for high resolution images and
composed the illustration. I then ran color separations, collected
for output and burned to disk. Sent to Procurement department to
purchase printing.
Award winning design for 2005 GDUSA In-House Design Contest
It’s OK to get help
If none of your efforts gets you back on
track or you feel overwhelmed by your
situation, you may want to meet with
a professional debt counselor who can
act as a go-between for you and your
creditors. Look for low-cost budget
counseling services that can quickly
evaluate your situation, set up a budget
for you and negotiate repayment of your
debts. If you qualify, contact the Navy
Marine Corps Relief Society. Also check
the telephone directory, newspapers and
magazines, or contact your credit union.
Navy Federal offers free budgetary
counseling to members in need.
What do I look for?
There are two types of professionals:
credit counseling agencies and
debt negotiators. You’ll want to
find out:
You can do it.
• Is the company nonprofit
(and not charging a lot of fees)?
• What services do they offer?
• Are the counselors
Certified Credit
Counselors?
This credit union is federally insured by the National Credit Union Administration
© 2004 Navy Federal Credit Union NFCU 1273 (4-04)
• Is the organization accredited by the
Council on Accreditation for Children
and Family Services (COA)?
STEP 3
STEP 3
Getting out of debt!
navyfcu.org
Campaign: Navy Federal Getting out of debt brochure
When and how to get
professional help
also ask your creditors to reduce the
interest rate, waive late fees or bring
the account up to a current status—
conditions your creditors are under no
obligation to accept.
• Are the services confidential?
• Do they offer in-person counseling?
In the case of credit card issuers, your
agreement will usually require that you
return your credit cards or sign an affidavit
stating that the cards have been destroyed.
• Are they a member of the National
Foundation for Credit Counseling?
Your first meeting
Once you’ve chosen a counselor, you’ll
need to prepare for your first meeting.
Gather several current pay stubs, your
current credit card statements and other
relevant documentation. You’ll probably
be asked to fill out a financial profile
sheet, similar to the one in the back of
this brochure, spelling out the details of
your income, assets, expenses and debts,
as well as any demand letters, legal
actions or conversations you’ve
had with your creditors.
After reviewing your case, the
counselor will send a letter
to each of your creditors asking
them to work with you
and to accept a
reduced payment
from you. The
letters may
Once payment amounts are established,
the counselor will create a budget for you
to follow and will help make sure you stick
to it. You’ll still have to keep track of your
creditors’ accounts and tell the counselor
if you miss a payment. But now when
creditors contact you for money, refer
them directly to your counselor. You’ll
probably stay in touch with your counselor
until all debts are repaid.
Stay away from companies whose ads
promise a quick fix. It’s impossible to
get out of debt or
erase bad credit
overnight. Only
time, effort and
a solid plan for
debt repayment
will get you out
of trouble.
Target: Members that have gotten themselves in a difficult situation financially. Especially enlisted Sailors and Marines that
have fallen victim to “Payday Loan” providers and are in a never
ending cycle of mounting debt.
Before you respond to
any ads, the Federal Trade
Commission cautions against
companies that:
� Want you to pay them before
providing credit repair services
� Don’t tell you your legal rights or
what you can do yourself, for free
� Recommend that you not contact
a credit bureau directly
� Advise you to dispute all
information in your credit report or
take any action that seems illegal,
such as creating a new credit identity.
Concept: Started by sketching ideas, working with copywriter,
presented to creative director, Produced tight digital sketches
for Vice President to provide input, then presentation to client
to get feedback. Total process took 9 months.
Check this out
For more on budgetary counseling:
Navy Federal—navyfcu.org/prodserv/budgetpage.html
Federal Citizen Information Center—pueblo.gsa.gov, and click on “Money”
National Foundation for Credit Counseling—nfcc.org
Consumer Credit Counseling Service—credit.org
The Center for Debt Management—center4debtmanagement.com
About.Inc.—credit.about.com/cs/budgeting
Bankrate, Inc.—bankrate.com/brm/rate/cc
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Credit Summary
This section provides an overall list of
your accounts, including the type,
number and total balance.
Inquiries
These are businesses that have
received your report in the past
24 months. Inquiries from multiple
creditors can be a negative, but
requesting your own report or being
offered unsolicited credit cards or
personal loans does not affect
your score.
Payment History
This section shows the history of
times you’ve been late with payments. Example shows combined
histories; often in a credit report
the history for each account will
be described separately.
Open Accounts
This section shows accounts that
are open. One of these is now over
120 days past due.
Collections
Any accounts that creditors have
turned over to collection agencies
are listed here. They will affect your
credit score and your ability to get
credit or get the best credit rate.
Personal Information
This section includes your previous addresses reported
by creditors. Frequent moves and job changes might
negatively affect your score. Items that don’t factor into
your score are race, religion, gender, marital status,
age, salary, where you live or the interest charged on
your accounts. If you apply for credit, your Social
Security number may be disclosed; however, it won’t
be disclosed for pre-approval offers.
Accounts Information
This section lists open and closed
accounts. It may include:
• Credit grantor reporting the
information
• The account number reported by the
grantor
• If account is joint, shared, etc.
• The month and year the account was
opened
8
• Last date of payment, change
or occurrence
• Highest amount charged or credit limit
• Number of installments or cost of
monthly payment
• Amount owed as of the date reported
• Status: type of account, how many
days balance is past due
• Date of last account update
Materials produced: Brochure
Buyer beware!
Public Records
This section reports public record
items obtained from local, state and
federal courts.
Past Due Accounts
This section lists accounts that
haven’t been paid.
9
Process: Quark Xpress used to layout book that had a gate-fold
that was not located in center of the book. Researched online
providers of credit reports like Equifax. Used Photoshop to manipulate and customize stock photos and to manipulate screen
captures of online credit report to provide explanation of how
to read a credit report. After approval, ran color separations,
collected for output and burned to disk. Sent to Procurement
department to purchase printing.
Bronze Award for 2005 SIAA contest and 2005 GDUSA In-House
Design Contest
Campaign: Navy Federal 2004 Pocket Calendar
2004
Materials produced: Pocket Calendar
Pocket Calendar
Target: All Navy Federal Members (Annual Project)
Concept: Started by sketching ideas, working with copywriter,
presented to creative director, Produced tight digital sketches
for Vice President to provide input, then presentation to client
to get feedback. Total process took 3 months.
Recognizing the dedication of the National World War II Memorial
with stamps from that era.
1008-2004 CALENDAR 1003.qxd:1008-2004 CALENDAR 1003.qxd
May
2004
4:46 PM
Page 6
Are the kids college-bound? A Navy Federal Student Visa® credit card
and free Sharechek checking account with Visa Sharechek Card (a
combination debit and ATM card) make great campus survival tools.
Sign them up now at navyfcu.org.
MONDAY
SUNDAY
2/28/07
TUESDAY
WEDNESDAY
THURSDAY
FRIDAY
Navy Federal Credit Union
1008-2004 CALENDAR 1003.qxd:1008-2004 CALENDAR 1003.qxd
October
2004
MONDAY
SUNDAY
SATURDAY
2/28/07
3
9
10
4
5
1942—Battle of Coral
Sea Began
1942—Corregidor
Fell to Japan
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7
8
4:47 PM
Page 11
Give the gift of membership—it lasts a lifetime. Sign up your spouse,
children, parents, grandparents, brothers and sisters. They’ll be glad you
did. Then they can sign up their family members, too. And it only takes
$5 per new member to get them started. Visit Navy Federal Online® today.
TUESDAY
WEDNESDAY
THURSDAY
1
2
Process: Quark Xpress used to layout Used photoshop to
manipulate and customize scans of vintage collectable stamps
from WWII era. Marks fist time Navy Federal produced 4-color
on the inside of calendar. Process also involved seeking approval of the U.S. Post Office. Submission of concept to USPS
and compliance. After client approval, ran color separations,
collected for output and burned to disk. Sent to Procurement
department to purchase printing.
FRIDAY
SATURDAY
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
Columbus Day
(observed)
Navy Federal Offices
Closed
21
22
23
29
30
1945—V-E Day (Victory
in Europe)
13
14
Mother’s Day
15
Armed Forces Day
Columbus Day
1775—Navy Birthday
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17
18
19
20
21
22
17
18
19
20
23
24
25
26
27
28
29
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25
26
27
Memorial Day
Memorial Day
(Observed)
Navy Federal
Offices Closed
Ramadan Begins
Credit Union Day
30
31
Tribute to a Generation
Celebration Begins
Dedication of the
National WWII Memorial,
Washington, DC
navyfcu.org
28
Daylight Saving Time
Ends (Set clocks back
one hour)
Marine Corps
Marathon
Halloween
31
Navy Day
navyfcu.org
Gold Award for 2005 SIAA contest and 2005 GDUSA In-House
Design Contest
Campaign: Juscom, Inc. Trade Show Exhibit Booth
Materials produced: Display Panels for 10 foot X 14 foot Booth
Target: Potential Buyers of Juscom Products at International
Trade Shows
Concept: Started by sketching ideas, working with owner on
copy and basic message of brand, presented to client owner for
approval. Total process took 3 months.
Process: InDesign used to layout and used Adobe Photoshop to
manipulate and customize stock photography. After client
approval, sent to vendor to produce panels.
Best of Show for Standard Booth. 2006 Global Sources
Electronics & Components Show.