GM Premium Program Overview

Agenda Goal Program Success Premium Program Overview Real Time Loan Leads Free Program Tools Credit Union Integration How Members Generate Authorization Numbers How Credit Unions Enroll Contact information Q&A 2

Goal 3

Goal Drive Loans to Credit Unions! 4

Program Success 5

Invest in America Program Launched in late 2008 to bring exclusive discounts to credit union members from trusted, nationwide companies with domestic autos at the core of the vision Reaches over 83 million highly-responsive and loyal members from over 3,400 credit unions Web-based program, consumer website is LoveMyCreditUnion.org LoveMyCreditUnion.org Mobile app launched in Dec 2012, with over 100,000 downloads to-date 6

Award Winning Program 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 VideoIIA Video Source - National Credit Union FoundationNational Credit Union Foundation

Credit Unions 8 Love My Credit Union Rewards Program Participation As of September 2014 Love My Credit Union Rewards Overall3,410 Auto2,869 Sprint1,908 TurboTax1,335 Credit Union Auto Club440 Bundle Enrollment ParticipationAs of September 2014 ALL Bundle145 Home Bundle5 Auto Bundle5 IIA Bundle3

Credit Unions Sales (thru 09-30) Member Savings (thru 09-30)* Total Sales3,680,549Total Savings> $1 Billion Sprint Activations1,253,911Sprint Savings> $485 million Auto Sales713,794Auto Savings> $610 million Turbo Tax Returns1,806,527TurboTax Savings> $9.5 million Credit Union Auto Loans (thru 09-30) Auto Loans Funded353,740Auto Loan Value> $7.9 billion 9 *Sprint numbers through August

Program/Industry Highlights Program Growth Continues to Accelerate 76% increase in sales September 2014 YTD vs. September 2013 YTD – September fifth best month all-time – May, June, July, august and September all best months since 2009 Since September 2013 instant auto loan lead launch: – Potential for 150,000 instant auto loan leads – 264 new CU Premium enrollments or upgrades total Premium CUs CU member discount sales represent 3.7% of total GM retail sales – Up from 3.0% full year

Credit Union Performance PROGRAM 2012 % OF GM RETAIL 2013 % OF GM RETAIL May 2014 % OF GM RETAIL Credit Union Launched 1/09 3.0%3.4%3.7% SOURCE: Everest owner database Top Sellers Sales by Model Credit Union 82.3% Conquest

Premium Program Overview 12

Credit Union Member Discount from GM 13 Eligible credit union members can purchase NEW Chevrolet, Buick and GMC vehicles at a discount, which is a percentage based discounted price. The Credit Union Member Discount from GM can be combined with most current incentives to save even more. ‒Fixed price, non-negotiable ‒Not compatible with subvented rate financing ‒Free marketing materials

Enhanced Program 14 October 2013 launch

Bigger Simpler Better 15 New Credit Union Member Discount from GM Program MakeModelMSRPOld Price Enhanced Price Total Discount % MSRP Discount Memo: Additional Savings Chevrolet2014 Camaro 1LT Coupe $ 31,125 $ 30,061 $ 29,720 $ 1,4054.5% $ Cruze 2LT $ 23,745 $ 23,213 $ 22,943 $ % $ Equinox 2LT FWD $ 29,630 $ 28,606 $ 28,281 $ 1,3494.6% $ Impala 2LT $ 30,760 $ 29,910 $ 29,562 $ 1,1983.9% $ Malibu 1LT $ 26,125 $ 25,290 $ 25,002 $ 1,1234.3% $ Silverado 1500 Crew Cab LT 4WD $ 41,950 $ 39,500 $ 39,077 $ 2,8736.8% $ Sonic LTZ $ 20,910 $ 20,229 $ 20,003 $ % $ Spark 2LT $ 17,350 $ 17,023 $ 16,828 $ % $ Suburban LTZ 4WD $ 65,245 $ 61,345 $ 60,680 $ 4,5657.0% $ Tahoe LTZ 4WD $ 64,685 $ 60,741 $ 60,085 $ 4,6007.1% $ Traverse 1LT AWD $ 37,710 $ 36,378 $ 35,961 $ 1,7494.6% $ Volt $ 39,715 $ 38,375 $ 37,931 $ 1,7844.5% $ 444 Buick2014 Enclave Leather AWD $ 48,445 $ 46,579 $ 46,045 $ 2,4005.0% $ Encore FWD $ 25,085 $ 24,575 $ 24,289 $ % $ LaCrosse Leather AWD $ 42,460 $ 41,184 $ 40,703 $ 1,7574.1% $ Regal Turbo Premium 1 $ 32,485 $ 31,747 $ 31,373 $ 1,1123.4% $ Verano Leather $ 29,360 $ 28,602 $ 28,270 $ 1,0903.7% $ 332 GMC2014 Acadia SLT-1 AWD $ 46,730 $ 44,862 $ 44,351 $ 2,3795.1% $ Sierra 1500 Crew Cab SLE 4WD $ 44,350 $ 41,744 $ 41,297 $ 3,0536.9% $ Terrain SLE-2 FWD $ 32,225 $ 30,940 $ 30,593 $ 1,6325.1% $ Yukon Denali AWD $ 65,225 $ 61,323 $ 60,658 $ 4,5677.0% $ Yukon XL Denali AWD $ 67,940 $ 63,878 $ 63,185 $ 4,7557.0% $ 693 Program Averages $ 39,239 $ 37,550 $ 37,129 $ 2,1105.4% $ 421

GM Premium Level Benefits 16 Plus, Real-Time Loan Leads! Credit Union Member Discount from GM – not compatible with subvented rates Employee Pricing for credit union employees that own a non-GM make vehicle Loan links on GM microsite Custom inserts and take ones Custom size web banners Onserts Lobby Posters Newsletter articles and copy templates Social media content Weekly summary of member activity

Marketing Requirements Quarterly member communication – Complete at least one member communications each quarter for four quarters, annually. The TurboTax program must be marketed in Q1 only in addition to the marketing requirements for the bundle program or other individual program. Please see the TurboTax marketing requirements below. Member Quarterly Communication Tactics  Quarterly paper statement inserts or e-statement onsert, must reach at least 95% of members. (Text only statement messaging is not acceptable to meet requirement).  Direct mail promotion to at least 75% of members.  Quarterly newsletter article and/or ad, must reach at least 95% of members.  marketing message – can be used to fulfill one quarterly requirement if credit union will to at least 50% of members. If credit union will to 75% or more members, this tactic can be used multiple times.  Program banner and URL link on home banking/online banking pages for at least one quarter. Can only be used to fulfill one quarterly marketing requirement. This option is in addition to the web banner requirement.  Sprint ONLY Additional Option  Invite Sprint (through CUSG) to participate in the credit union's member day event at the credit union - providing Sprint space to set up information. (Must have a member base of at least 5,000 members). 17

Marketing Requirements Website Promotion – Multi-partner program banner placed on the credit union website home page within 30 days of enrollment and ongoing thereafter as long as your credit union is enrolled in the program. Lobby Promotion – Place program lobby materials (paper or digital) in all credit union lobbies within 30 days of enrollment and continuously thereafter. Employee and SEG Communication – Include program information in human resources new hire and employee group packets within 60 days of enrollment and ongoing thereafter. 18

Real Time Loan Leads 19

How it Works Credit unions integrate the Credit Union Member Discount from GM into their marketing and auto lending programs Credit unions manage their members and control the deal – The loan is the credit unions to own and requires proactive member engagement early in the purchase process – Auto financing is a big profit center for dealers 20

Member receives credit union communication(s) about GM Credit Union Member Discount, low auto loan rates and pre-qualification Insert, , Newsletter, Promotion, etc… Member generates authorization code and credit union is immediately notified CU immediately contacts member and gets pre-qualified/pre-approved for CU auto loan If credit union utilizes indirect lending, the loan lead should be incorporated into that process Member goes to dealer and purchases vehicle Credit union books the auto loan How It Works 21

Real-Time Auto 22

Free Program Tools 23

Real Time Contacts Provide accurate contact information for loan leads! 24

Loan Link Credit unions can now easily provide their loan link to IIA! –Provides easy access to your loan app or loan page –Drive more auto loans to your credit union –Use your scorecard to provide your loan link 25

Marketing Resources 26 Free ready-to use marketing materials including: Onserts now available! Customization and Campaign Execution Services Available Monthly Newsletter Frontline Staff Update National Program Support servicesNewsletter articlesTake Ones E-Statement ArtworkOn-hold MessagesStatement Inserts LogosPostersWebsite banners Custom Inserts Custom Size Banners

GM Premium – Custom Insert 27 Variable Fields Credit union name Credit union URL to direct members where to apply for loans Credit union logo Loan rate Web disclaimer

Best Practices 28 Navigant CU - RI

Credit Union Integration 29

Credit Union Integration 30 Prominently display the GM marketing materials in your lobbies Utilize custom statement inserts/take ones Publish a GM discount article in credit union’s newsletter/e-newsletter your credit union members raising awareness of the GM discount Prominently display the custom size GM web banners that links to the GM member discount page Use the poster or customized take one and incorporate into your new membership packets and SEG communications Develop a process with your indirect lending activity

How Members Generate Authorization Number 31

GM Microsite 32 Members create an account Members generate their authorization number Same URL:

Create Account – Step 1 33

Create Account – Step 2 34

Create Account – Step 3 35

Generate Authorization Number 36 Member is ed username and password which they use to sign in to generate their authorization number

How Credit Unions Enroll 37

New Bundle Enrollments 38 In an effort to simplify and streamline marketing efforts LMCU Rewards now offers bundled partner groups –All – includes GM and all partners –Auto – includes GM, Auto Club and TruStage –Home – Includes Sprint, TurboTax, DirecTV, Allied, Love to Shop –Invest in America – includes GM, TurboTax, Auto Club and TruStage Bundles enable a CU to market all programs with one execution greatly simplifying program marketing requirements while maximizing resource efficiencies

Partner Center Home Page 39

New Enrollment Process & Bundles 40 All bundle highly recommended for maximum program benefits and marketing efficiency

GM Enrollment 41

Contact Information 42

Contact Information 43 Please contact your National Business Consultant with questions -or- Drew Cook CU Solutions Group Direct:

Q & A 44