Invest in America Membership Enhancement Solutions Overview

1. Invest in AmericaMembership EnhancementSolutions Overview

2. Agenda • Value Proposition • Membership Enhancement Programs • Impact – Its Working • IIA Offers – Grow Loans, Generate Income, Increase Value of Membership & Credit/Debit Card Transaction Volume • Best Practices • Integrating IIA into your Core Services

3. Award Winning PROGRAM!! • 2009 CU Journal’s Innovation of the Year Award • 2012 NCUF Herb Wegner Memorial Award for Outstanding Program 

4. IIA Value Proposition • IIA provides tools to help meet your credit union’s goals. Simply choose the offers that relate to your goals and promote them in conjunction with your core services: • Increase auto loans – Credit Union Member Discount from GM* and AutoNation Direct • Earn non-interest income - Sprint Credit Union Member Discount* and Member Connect** • Increase debit/credit card usage – TurboTax* and Member Rewards* offers including Dell, Shop America, FTD, DIRECTV and Member Connect • Enhance member value – GM, Sprint, TurboTax, Member Connect, Dell, DIRECTV, Shop America, FTD and Allied Van Lines • *Requires specific IIA marketing agreement • **Requires agreement with CMG to earn income

5. Membership Enhancement Programs Enroll in the IIA membership enhancement program to support your needs or goals: • Auto Program - GM Preferred Pricing / Auto Nation Direct – Generates deeper loyalty and additional auto loans • Sprint Wireless Services – Personal and business wireless discounts creates deeper loyalty and provides additional non-interest income • TurboTax & Jackson Hewitt - Generates deeper loyalty and increased credit/debit card transactions • Member Rewards – Increases member loyalty and increased credit/debit card transactions with discounts from Shop America, TurboTax*, Dell, Member Connect*, DIRECTV, FTD and more For complete details or to sign up visit: http://www.lovemycreditunion.org/Credit_Union_Sign_Up_Forms_147.html * Income opportunity requires agreement with CMG

6. Impact Partner Center provides credit union related information Credit Union Finder so potential members can find you Tips and tools to help members save money Consumer information on credit union differentiation Rotating banners regarding current offers Access via social media sites Member testimonials about why they love their credit union

7. Impact

8. Grow Loans

9. Enhanced Program • Enhanced Program Will Drive Increased Loan Volume! Two levels of the GM program will be offered beginning 6/15/12: Standard Package • Credit union actively supports the GM program at a base level utilizing CUSG turnkey, self-service marketing resources • Preferred Pricing • Not compatible with GM subvented rate financing • CUSG provides turnkey marketing materials and resources • Base-level marketing requirements for CUs Premium Package • Credit unions committed to marketing the GM program at a high-level receive all the benefits of the Standard Package plus Employee Pricing for credit union employees who own non-GM make vehicles and custom co-branded marketing materials.

10. Participation Level Comparison • Program Offer

11. Participation Level Comparison • Program Offer (con’t)

12. Participation Level Comparison • Annual Marketing Requirements (Jan – Dec) Dec)

13. Program Summary

14. Launch Timeline All credit unions must enroll at either the Standard or Premium level to receive benefits including Preferred Pricing by June 15, 2012

15. Helping Credit Unions Grow Loans Credit Union Loan links on GM micro-sites: • IIA is currently collecting credit union loan page links to add to our micro sites: • Easy access to your loan app or loan page • Drive more auto loans to your credit union and extend GM Preferred Pricing to your members Find a Credit Union tab added below Find a Dealer GM Credit Union Micro Site

16. Available Reports • Report s located on Partner Center and are exportable to Excel for easy use • GM authorization request report identifies members that requested a code from GM • Includes street and e-mail addresses Hot leads you can use to follow up with members! • Additional reports identify sales for Member Rewards Program

17. Helping Credit Unions Grow Loans • The Credit Union Member Discount from GM is no longer compatible with subvented ratessuch as 0%, 1.9%, 2.9%, etc. that have been bought down and offered through captive finance sources • Members will be encouraged to use low-rate credit union financing in conjunction with cash incentives resulting in very competitive monthly payments. • Example at right: 2012 Chevrolet Silverado 1500 LT Extended Cab 2WD • Member receives $2,000 total cash allowance in lieu of the lowest subvented rate- 3.9% for 60 months for qualified customers • $2,000 down payment from member • *Chevrolet Silverado lowest subvented rate as of January 5, 2012 • ** Published rate from a credit union website as of January 5, 2012

18. Generate Non-interest Income Exclusive/special incentives that help drive membership value and income for you

19. Credit Union benefits • Marketing incentives for participation is a great way for credit unions to earn non-interest income • Effective tool to promote the added-value of membership • FREE marketing materials for statement mailings, web site and in-branch distribution • Unique offers available only from Sprint • Sprint handles all member service needs • Opportunities to work with local Sprint stores to support community businesses

20. Sprint Offer Member Discounts 10%* off select regularly priced service plans Waived activation fee Waived upgrade fees Business Discounts 15%* off select regularly priced business service plans Waived activation (new accounts) and upgrade fees *Application of discount requires 2-year contract extension on existing plans. Verification of membership is required at time of activation/upgrade. Discount not available on secondary lines for Family and Business Share plans.

21. Minimum Marketing Requirements Contract Year = October 1 of each year – September 30 of the following year Place a Sprint insert in one quarterly mailing per year Continuously display any of the following lobby materials in all branch locations: Take-ones Posters Lobby banner Monitor video Publish approved Sprint articles in 2 quarterly newsletters Continuously display approved web banner/link on CU website All Marketing materials are provided FREE of charge! Get started now and join over 1,600 credit unions already supporting the Sprint CU Member Discount Program!

22. Promotions - Sprint Poster Take-One Web Banners

23. Increase Value of Membership

24. Credit Union Benefits • Enhance Online Banking Services: 81% of TurboTax users also use online banking • Build Member Loyalty: 95% of members felt favorable toward their credit union for making a TurboTax discount available • Retain Members: 64% of credit union members would go to Turbo Tax directly or go to another financial institution if it was no longer offered by their credit union. • Provide a Member Appreciated Discount: 52% of members purchased TurboTax through their credit union website due to discount • Increase Assets: 82% of CUSG credit union members directly deposited their tax refund with the credit union offering TurboTax to them. • Cross-Sell Products & Services: Drive traffic your website to increase awareness about your other products and services

25. TurboTax Offer

26. Cusg funds and provides turnkey marketing program • to promote turbotax and drive members to your web site 15% Discount on All Federal Products Standard Size and Custom Web Banners Co-Branded TurboTax Website with Your CU Logo and a Cross-Sell Banner Free Lobby Posters and Co-Branded Statement Inserts Shipped to Your Mailing House Members who start a TurboTax return will be entered into a sweepstakes HTML E-mail Templates

27. Jackson hewitt overview • Provide discounted tax prep services to the 60% of your members that prefer to file their taxes with a local tax professional • Premium CU member instant discount: $30.00 Off • CUSG provides free, co-branded printed coupons to include in your December or January statements. • JH provides national coverage: • Over 6,000 tax preparation offices during tax season • Convenient office locations near the vast majority of your members • Unlike other tax prep franchises, JH doesn’t use tax prep as a tool to acquire customers from Financial Institutions • FREE Accuracy Guarantee* with every paid return • No appointment necessary • FREE Refund Estimate • * Terms and conditions apply. Ask a tax preparer for details. Over 300 credit unions partnered with CUTS last year to offer Jackson Hewitt

28. How the jackson hewitt program works • CUSG funds and provides all marketing collateral: Coupons, statement stuffers, newsletter articles, email templates • Your credit union promotes JH offering to members • Your members receive a hard copy coupon via statement stuffer, in-branch and/or printing a website pdf • Your members redeem the coupon at Jackson Hewitt office and receive an instant $30 discount • JH/CUSG track all JH coupon redemptions and provide report at the end of tax season Sample Co-Branded Coupon

29. Grow Transaction Volume • Incentives on every day items that help drive card usage and membership value • Shop America • Dell • Direct TV • FTD • Allied • Members Home & Auto

30. Available Resources • Free ready-to use marketing materials including: • Customization and campaign execution services available • Monthly newsletter • Frontline Staff Resource Guide • National program support

31. How to Integrate IIA • Prominently display the Invest in America program marketing materials in your lobbies - posters and take ones • Prominently display the IIA web banner that links to www.LoveMyCreditUnion.org, on the home page of the credit union’s website • Publish quarterly IIA article in credit union’s newsletter • Use the poster as a flyer in your new membership packets and SEG communications • Send the emails created by Invest in America to your credit union members who have opted in to receive communications from you

32. How to Integrate IIA • Create an internal page on your website which lists out in detail all the credit union member discounts available • Create a web banner on your homepage which links to that page for easy navigation • Use the videos created by CU Solutions Group in your digital displays to encourage members to learn more about Invest in America • Promote Invest in America on your outdoor electric signs, drive thru wraps and ATMs • Place ads in your local paper and local news websites • Include discounts in your credit union’s Member Rewards Program • Promote Invest in America on your most visited website pages

33. Getting Started Recommend steps for getting started: Select the IIA programs that fits your credit union’s goals and objectives Visit http://www.lovemycreditunion.org/Credit-Union-Sign-Up-Forms-147.htmlto sign up to support the IIA Auto, Sprint, Member Rewards or TurboTax programs or obtain a Sprint or Marketing Agreement Train staff and distribute frontline staff resource guide (e-mailed the first of every month to supporting credit unions) Provide Invest in America with a link to your loan application page to make that available from the GM credit union micro site Utilize available marketing materials to inform your members

34. Curt Belaney(Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington D.C., West Virginia)800.262.6285 x 543Curt.Belaney@cusolutionsgroup.com Robert Bearden (California, Nevada, Oregon, Washington) 800.262.6285 x 751 Bob.Bearden@cusolutionsgroup.com Colleen Meek(Alaska, Arkansas, Arizona, Colorado, Idaho, Indiana, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, Texas, Utah, Wyoming)800.262.6285 x 530Colleen.Meek@cusolutionsgroup.com Leslie Norush(Alabama, Florida, Georgia, Hawaii, Illinois, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Wisconsin)800.262.6285 x 542Leslie.Norush@cusolutionsgroup.com National Business Consultants