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 “Rarely has the Awards and Nominating Committee collective scored a program so high,” said NCUF Awards & Recognition Committee Chairman Bob Schumacher. “When you look at the numbers that support Invest in America’s efforts, the outcome is so overwhelming, it’s hard to grasp or comprehend all its immensity.” - Watch Award video filmed by CUNA about IIA – IIA Video Source - National Credit Union Foundation

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, DIRECTV and Member Connect • Enhance member value – GM, Sprint, TurboTax, Member Connect, Dell, DIRECTV, Shop America 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 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. Invest in America ResultsThrough 9/30/12

8. Grow Loans

9. Enhanced Program • Premium Program Will Drive Increased Loan Volume! • The Invest in America Credit Union Member Discount from GM has been enhanced to drive more loans to your credit union. By enrolling at the Premium Level, credit unions can maximize loans while offering this valuable discount and benefit of membership to their members. • Premium benefits have been enhanced in many ways:  • Free custom marketing materials are available to help your credit union optimize program results and increase auto loans • Subvented-rate loans are not compatible with the Credit Union Member Discount from GM, driving loans back to the credit union

10. Participation Level Comparison • Program Offer

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

12. Custom Statement Insert • Variable Fields • Credit union name • Credit union logo • Loan rate • Credit union URL to direct members where to apply for loans • Web disclaimer

13. Premium Level • Annual Marketing Requirements (Jan – Dec)

14. Standard Level • Annual Marketing Recommendations (Jan – Dec)

15. Program Summary

16. Pricing Example

17. Frequently Asked Questions • For a complete list of FAQ’s go to: http://www.lovemycreditunion.org/FAQs-829.html

18. 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

19. 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

20. 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

21. Generate Non-interest Income Exclusive incentives that help drive membership value and earn your credit union a marketing incentive.

22. 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, newsletters, Website and lobby distribution • Unique offers available from Sprint for members • Sprint handles all member service needs • Opportunities to work with local Sprint stores to support community businesses

23. 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) Waived 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.

24. Minimum Marketing Requirements Contract Year = October 1 of each year through September 30 of the following year Promote Sprint service on an exclusive basis 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 Banners Monitor video Publish approved Sprint articles in 2 quarterly newsletters per Contract Year Continuously display approved Web banner/link on credit union Website All Marketing materials are provided FREE of charge! Get started now and join over 1,700 credit unions already supporting the Sprint Credit Union Member Discount Program!

25. Promotions - Sprint Poster Take-One Web Banners

26. Dell ULTRABOOK OFFER When: September 10 – October 31, 2012 Member Offer: Credit Union Members Save $50.00 on New Dell Ultrabooks • Kick start projects & passions with savings on Dell’s extraordinarily slim Ultrabooks • Instant savings – simply use coupon code when placing order • Register for Dell Advantage and receive: • 5% Dell promo eGift card with each purchase • Free 2nd business day shipping • Exclusive member only offers for PCs, electronics and accessories Credit union benefits: • Help members get discounts on innovative technology that gives them the power to do more • Free web marketing materials • Cross-sell opportunity for new credit cards or technology loans and new/re-issued credit cards, home equity loans and other lines of credit For more information visit http://www.lovemycreditunion.org/Dell-763.html

27. Increase Value of Membership

28. Your TurboTax Program Will: Increase customer loyalty and referrals 66% of members are more likely to recommend your financial institution to a friend; 95% feel favorable towards you because of your TurboTax offering. Grow profitable low cost deposits 90% of members used the direct deposit feature in TurboTax; 82% deposited on average $3,044 tax refund with the host financial institution. Increase site traffic & maximize cross-sell and up-sell opportunities ~20% of members are more likely to fund an IRA or other investment with their tax refund. Strengthen your position as a trusted advisor Stay at the center of your members’ financial lives by providing the #1 best-selling and most trusted tax software; there’s no reason for them to go anywhere else! Provide savings for your members Discounts available based on marketing commitment. 52% of members purchased TurboTax through their credit union website due to discount. All at NO cost to you!

29. Getting started: select your participation level

30. Cusg funds and provides turnkey marketing program • to promote turbotax and drive members to your web site Promoter Fed Discount = $5 Deluxe/ $10 Premier/ $15 Home & Business Standard Size and Custom Web Banners Co-Branded TurboTax Website with Your CU Logo and a Cross-Sell Banner Members who start a TurboTax return will be entered into a sweepstakes Free Lobby Posters Shipped to Your Branches HTML E-mail Templates

31. 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 CUSGlast year to offer Jackson Hewitt

32. How the jacksonhewitt program works CUSG funds and provides all marketing collateral: Coupon statement stuffers, newsletter articles, email template, etc. 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 $30 discount JH/CUSG track all JH coupon redemptions and provide report at the end of tax season Sample Co-Branded Coupon

33. Grow Transaction Volume with Member Rewards • Earn cash back on every purchase from over 1,200 retailers! • Save 10% on Auto & Home Owners Insurance! • Save up to 60% on moving and storage expense! • Save $160 on first year’s service! • Save up to 30% on select Dell computer packages. Dell advantage provides additional 5% gift card and extra protection for a worry free purchase! Member Rewards Incentives on every day items that help drive card usage and membership value

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

35. How to Integrate IIA • Prominently display the Invest in America program marketing materials in your lobbies - posters and take ones • Publish quarterly IIA article in credit union’s newsletter • Use IIA poster as a flyer in your new membership packets and SEG communications • Utilize provided emails to keep your members informed • Use the free frontline resource and newsletter to train staff on the discounts and benefits so they can effectively promote it to your members • Hand out take-ones at the teller line to reinforce the value membership • 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

36. How to Integrate IIA • Use Invest in America website banners to link your website directly to the Shop America save pages as a savings tool for your members to use. Place the banner on: • Home Page • Benefits of membership page(s) • Checking Account pages • Credit and Debit card pages • Mortgage and Home Equity loan pages (to promote the benefit from Allied & Liberty Home Insurance) • Online credit card application page • Insurance Pages

37. How to Integrate IIA • Create a member discount page on your website which lists in detail all the credit union member discounts available including those from IIIA

38. How to Integrate IIA • Tie the Shop America discounts into your credit union’s marketing calendar to enhance the promotions you run on your core products and services to help increase your share of wallet. • Maintain a strong tie between using the credit union’s debit and/or credit card to the additional discounts available through Shop America. • Back to School Promotions • Checking Account Promotions • Credit Card Promotions • Holiday Promotions • Home Improvement Promotions

39. How to Integrate IIA • Use social media sites to link back to your website pages that promote Invest in America. Not only will this provide your members with valuable information regarding the discounts, but links from search engines can also help increase your rankings in the search engines • Love My Credit Union has twitter, Facebook and blog sites which your credit union can use to build its own content calendar. • Facebook: http://www.facebook.com/pages/lovemycreditunion/76212775567 • Twitter; http://twitter.com/#!/LoveMyCU • Blog: http://lovemycreditunion.blogspot.com/ • YouTube: http://www.youtube.com/user/LoveMyCreditUnion

40. 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

41. 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