Are You Making the Most

Are you making the most

of your market research?

Better question: Are you even using external market research at all?

At ProRates, we understand that you’re busy with a multitude of things— managing staff, creating campaigns, pricing printers, writing reports, meeting with other departments, and all of the other duties that come with being a manager at a financial institution of your size and stature— but while you’re taking care of things inside your organization, the financial climate outside is changing at a record pace. To stay ahead, you’ll need help.

Think of ProRates as a member of your marketing team.

You simply don’t have time to gather all of the market research relevant to your marketing efforts. Even if you did, just making sense of it would be another full time job.

ProRates is set up specifically to help small to mid-sized regional banks and credit unions like yours, by offering fully-customized, up-to-date stats and information, including:

-Web page rates comparison tool

-Web Promotions

-Deposit rates: CD’s, Money Market, Checking, Savings, and Business

-Boat loans

-Federal Numbers and Statistics

-Scrolling tickers (see prorates.com)

-Fee schedules

-New car loans

-Used car loans

-Aircraft loans

-Motorcycle loans

-Mobile home loans

-RV/Motor home loans

-Home equity lines

-Home equity loans

-Mortgage arms*

-Mortgage fixed*

-Personal unsecured loans

-Credit cards

-Unsecured line of credit

-SBA Loans

-Commercial real estate

-Business loans

-Working capital L.O.C.

*Mortgage products include 10, 15, 20 & 30 year fixed, 1,3,5,710year ARMs, both conforming and jumbo.We also provide a full listing of index values as well as all H15 values, the corresponding yield curve of these valuesand a product yield curve of average rates for all products. Included in the data are rates, discount points, origination points, and APR (either calculated or reported).

Here are links to some of the products and services we offer:

The Daily Mortgage Average (view)

Is today’s rate worth advertising or should you wait?

Freddie Mac Average Rates (view)

How do your fixed and ARM rates compare to the national averages?

Consumer Credit Stats (view)

Is the public spending or saving, and in what numbers?

Detailed Mortgage Report (view)

Are you offering a full complement of products?

Detailed Loan Report (view)

Are your rates and features competitive?

Credit Tiered Report (view)

What are your competitor’s credit tiers?

Detailed Deposit Report (view)

Did you know that we offer discounts for adding deposit reports?

Executive Summary Review (view)

How do CU’s compare to Banks?

Monthly Articles – Reg Z changes (Free)

Are you aware of the new REG Z changes?

WEB Promos Summary(view)

Do you know all of your competitors promotions?

ProRates is constantly growing in scope. We have recently added a new feature to our surveys. We now willsummarize your surveys for you with a brief overview of any changes, any new products and over all data trends in graph form. Depending on the amount of data you receive, you can pay a onetime set-up fee to have any of your surveys come with this summation. Simply reply to this emailor call and ask us for more details.

Please don’t hesitate to contact us with any questions you might have. I’ll follow up with you in a couple of days.

Best Regards,

KC Cormack

ProRates

1766A Union Street

San Francisco CA 94123

Direct: 415 775 5566

Toll Free: 888 776 7285

Fax: 415 775 5557

Website: