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Today’s Agenda

1. Energy One growth

2. Industry Consolidation

3. Current economic conditions

4. Product highlights

5. Q&A and thank you

A Year of Growth

March 31, 2012 - $211 million in assets

April 1, 2012 - $245 million in assets

Merger with Petroleum Associates FCU

Now the 8th largest energy based credit union!

Industry Consolidation

The 3.8% decrease in 2012 was the highest since 2008!

6,960

2012

Low interest rates and millions of pages of new regulations will lead to a continued decline

There is positive news… Industrial Production is up

Current Economic Conditions

Current Economic Conditions

There is positive news… Housing is improving

Current Economic Conditions

There is positive news…GDP has increased

Current Economic Conditions

There is positive news… Corporate profits are up, lifting the Stock Market

Current Economic Conditions

There is positive news… Initial jobless claims are down

Current Economic Conditions

There is also not-so positive news… The number of full-time jobs in February dropped

Full time -77k / Part-time +355k

There is also not-so positive news… Investment rates remain at historic lows

Current Economic Conditions

Overnight investment rates are near 0%

There is also not-so positive news… How is the Fed controlling long-term interest rates?

As of March 28, the yield has dropped below 2% once again.

Current Economic Conditions

Current Economic Conditions

There is also not-so positive news… The Fed is buying long-term U.S. Government

securities.

Current Economic Conditions

There is also not-so positive news… For the first-time ever they are also buying long-

term mortgage backed securities.

Current Economic Conditions

There is also not-so positive news…

To the trained eye, it is in amounts never seen before in the history of the United States!

Current Economic Conditions

Real snow or artificial snow?

Don’t fight the Fed!

Current Economic Conditions

There is also not-so positive news…

When they pull the punch bowl investors should be vigilant!

The Feds exit plan will likely be unclean?

Federal Insurance & contracts – Cyprus & GM

Energy One’s Insured, Laddered Investment Program Return…

We can help keep your dreams alive…

And an amazing team waiting to serve you!

Professional, convenient, and available anywhere, anytime

We can help keep your dreams alive…

Questions?

Thank you for allowing us to participate!

We can help keep your dreams alive…

Electronic Services

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