Invest in America Membership Enhancement Solutions Overview

1. Invest in AmericaMembership EnhancementSolutions Overview

2. Agenda • Value Proposition • How it Works • Membership Enhancement Programs • Impact – Its Working • IIA Offers – Grow Loans, Generate Income, Increase Value of membership & Transaction Volume • Industry Support – BizKid$ • Best Practices • Integrating IIA into your Core Services

3. IIA Value Proposition • Credit unions can improve membership value and their bottom line with Invest in America, by linking exclusive discounts to their core services • Increase auto loans – increase auto loans and member loyalty through Credit Union Member Discount from GM • Enhance member value – Sprint*, TurboTax* and Member Connect*. • Earn non-interest income - income opportunities through the Sprint Credit Union Member Discount and Member Connect • Increase debit/credit card usage – by offering discounts from Shop America and other Member Rewards offers * Requires separate marketing agreements

4. Value Proposition Provides Members With: • Meaningful Discounts • Cash Incentives & Rewards • Increased Value of Membership Helps Credit Unions Drive: • Member Retention/ Loyalty • Loan Growth • Card Usage • Income

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

6. How It Works • Credit unions integrate the various discounts into their value-proposition and connect/promote them with their core services to increase volume and the value of membership. Examples: • GM Discounts  Auto Loans • Shop America  Credit and Debit Cards • Sprint  Membership enhancement & revenue to support cu initiatives

7. IIA Membership Enhancement offers Credit unions choose to support various offers based on their needs or goals: • Big Ticket - GM Preferred Pricing / Auto Nation Direct – provide opportunities to generate deeper loyalty and additional auto loans • Sprint Wireless Services* – Personal and business wireless provides opportunity to earn additional non-interest income • Membership Value – Sprint*, TurboTax*, and Member Connect* to deepen membership value and loyalty • Member Rewards – Shop America and all other Partner offers – provides opportunity to generate deeper loyalty and increased credit/debit card transactions For complete details or to sign up visit: http://www.lovemycreditunion.org/Credit_Union_Sign_Up_Forms_147.html *Requires separate marketing agreement

8. 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

9. Impact

10. Grow Loans

11. Credit Union Benefits • Preferred Pricing on GM vehicles to help drive loans • CU loan links on GM discount microsite • Generated over 450,000 sales since inception • Promote greater member savings with your low loan rates on top of the GM discount • Enhance value of membership

12. member Benefits • Members can save hundreds, even thousands, with GM’s preferred pricing on a new Chevrolet, Buick or GMC Vehicle • Members can access their credit union’s loan application right from the IIA GM credit union microsite • Members can stack the discount with most other GM incentives for additional savings

13. 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

14. Helping Credit Unions Grow Loans Special Promotions • GM Private Offer • Ran for 2 months • 11/2/10 – 1/3/11 • Member incentive of $1,000 • Stackable on: • Credit Union Member Discount • Other Public Incentives AND • Employee Pricing.

15. Helping Credit Unions Grow Loans Special Promotions • Owner Loyalty Cash • $1,000 • From time to time GM has Owner Loyalty promotions where GM owners may be eligible to receive $1,000 toward the purchase of an eligible GM Vehicle!

16. Helping Credit Unions Grow Loans • Help your members do the math! • Dealer financing offers are generally in lieu of consumer cash incentives • The table to the right, from CUNA’s daily rate comparison from 7/7/11 (http://www.creditunion.coop/ratedex.php), has the average CU rate for a 60 month new car loan at 3.85% • The Silverado example, at right, shows your members can either get 0% for 60 financing or a consumer cash incentive of $4,500. • By using the consumer cash incentive combined with credit union financing (in this case at 3.9%) your members save $35 each month or $2,100 over the life of the loan • Additionally, research conducted by GM, shows credit union members value the Credit Union Member Discount above other incentives such as $1,000 gas cards, $500 bonus cash and a free two year satellite radio subscription • Combining the ability to overcome low rate dealer financing with the value members put on the Credit Union Member Discount, and you have a very powerful offer • Your challenge is to get in front of your members and help them do the math before they visit a dealer

17. 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

18. Generate 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 most regularly priced service plans Waived activation fee on new accounts Waived upgrade fees Business Discounts 15% discount on most corporate recurring charges Waived activation (new accounts) and upgrade fees Equipment discounts 20% off accessories

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 Display Sprint take ones and posters in credit union lobbies Publish approved Sprint articles in 2 quarterly newsletters Place Sprint web banner on credit union web site All Marketing materials are provided FREE of charge! Get started now and join over 1,500 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 • Tax Services

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. IIA Sweepstakes – active!! • The IIA Sweepstakes has launched and members of participating credit unions are eligible for entering and could win: • Grand Prize - 2012 Chevy Cruze LTZ (est. value $28k!) • First Place - Sprint wireless package incl. tablet, smart-phone & gift card (est. val. $5k) • Second Place - $1,500 Gift Card to spend at Shop America Members visit www.IIASweepstakes.org

32. Special Promotions • Holiday Promotion 11/07-12/31 • Marketing promotion featuring popular Shop America merchants plus Dell and DIRECTV in five holiday categories: • Holiday Shopping • Holiday Decorating • Holiday Entertaining • Holiday Electronics • Black Friday • Visit marketing materials to access materials

33. Impact • Support for Industry Initiatives National underwriting of Biz Kid$, an Emmy Award winning and credit union funded public television series that teaches kids about money management and entrepreneurship 2010 • $700k direct from IIA • $300k more from CUs and leagues donating 10% of their Sprint marketing incentives • Reaches more than 192 million households each week, and has reached 1.2 million students and teachers via the companion classroom curriculum since the series’ launch in January 2008

34. Best Practices • First Credit Union in Arizona has been supporting IIA since program inception • FCU’s web redesign features a home page spot for the IIA banner and a Special Offers section that features IIA and GM discounts • Email, newsletters and branch video messaging used to market to members • Proud participant in the GM Private Offer “We’re a proud IIA participant and we encourage any credit that hasn’t jumped on board to do it.” Karen Fuhre, VP Marketing, FCU

35. Best Practices AmeriCU Credit Union, NY “Our staff really likes the concept of Shop America and receiving the refund check just by making a purchases online.” Rachel Siderine Financial Center Manager AmeriCU Credit Union • Joined IIA in June 2010 • Utilizes brochures, newsletter articles and Sprint and IIA banners on web site • Included in Dedicated Package of Services for Women on their web site because research shows women tend to be the decision makers on purchases

36. Best Practices Columbia Credit Union, WA “It’s a great way for us to offer a tangible, money-saving benefit of credit union membership while at the same time supporting American businesses. “ “It’s a way to differentiate ourselves from banks and other financial institutions; it helps our members to save money; it supports the American economy; and it’s a great marketing tool as one of the many benefits of credit union membership.” Nancy Olmstead Vice President of Marketing Columbia Credit Union • Started with Auto program in early 2009 • Utilizes statement inserts, newsletter articles, Twitter and lobby displays • Staff is fully aware of the benefits IIA has to offer their membership • Market different aspects of the program using all these channels throughout the year

37. 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

38. 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.

39. 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.html to sign up to support the IIA Big Ticket or Member Rewards program or obtain a Sprint 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 materials to inform your member

40. 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