INVEST IN AMERICA MEMBERSHIP ENHANCEMENT SOLUTIONS OVERVIEW

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

2009 CU Journal’s Innovation of the Year Award 2012 NCUF Herb Wegner Memorial Award for Outstanding Program

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

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: * Income opportunity requires agreement with CMG

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

MetricResults Support46 Leagues / 3,436 Credit Unions Top 500 Credit Unions423 % CU Membership83% Transaction Volume2,273,860 YTD /PTD Vehicle Sales (GM requests & Chrysler sales) 46,010 / 493,831 YTD/PTD TurboTax Sales 200,933 / 384,438 YTD/PTD Member Rewards Transactions 6,804 / 19,092 Member Savings$583 Million Total Saved by Members through Auto Program $370 Million Total Saved by Members through Sprint Program $212 Million Total Saved by Members through TurboTax Program $1 Million Lovemycreditunion.org Unique Visitors YTD/PTD306,265 / 1,934,797

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: GM Employee Pricing for eligible credit union employees that own a non-GM make vehicle 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.

Participation Level Comparison Program Offer BenefitsPremiumStandard Preferred Pricing XX Not compatible with GM subvented rate financing XX Employee pricing for credit union employees who own a non-GM make vehicle X Custom inserts/take ones X General inserts/take ones XX General lobby posters XX Custom web banners X General web banners XX

Participation Level Comparison Program Offer (con’t) BenefitsPremiumStandard services from CUSG XX E-statement creative XX Newsletter articles and messages copy XX templates XX Website and social media content XX Weekly s of in-market members XX Loan links on GM microsite XX Access to GM special offers X Occasional GM marketing services X

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

Premium Level Annual Marketing Requirements (Jan – Dec) Premium Complete any combination of two (one within first 6 months of enrollment and both annually thereafter): Include in quarterly statement inserts/E-statements A direct mail/loan promotion piece Conduct GM marketing campaign Complete all: Promote through newsletter/website articles within first 6 months of enrollment and annually thereafter Utilize lobby materials within 60 days of enrollment and ongoing thereafter – take ones, posters Place GM web banners or links on website home page and loan page within 30 days of enrollment and ongoing thereafter Include consumer overview piece in Human Resources new hire and employer group packets within 60 days of enrollment and ongoing thereafter

Standard Level Annual Marketing Recommendations (Jan – Dec) Standard Complete one (within first 6 months of enrollment and annually thereafter): Include in quarterly statement inserts/E-statements A direct mail/loan promotion piece Conduct GM marketing campaign Complete all: Promote through newsletter/website articles within first 6 months of enrollment and annually thereafter Utilize lobby materials within 60 days of enrollment and ongoing thereafter – take ones, posters Place GM web banners or links on website home page and loan page within 30 days of enrollment and ongoing thereafter

Program Summary PremiumStandard Credit Union Benefits Preferred Pricing Not compatible with GM subvented rate financing Employee pricing for credit union employees who own a non-GM make vehicle Custom and general inserts/take ones Custom and general web banners Access to GM special offers Occasional GM marketing services Lobby posters services from CUSG E-statement creative Newsletter articles and messages copy templates Website and social media content Weekly s of in-market members Loan links on GM microsite Preferred Pricing Not compatible with GM subvented rate financing General inserts/take ones General web banners Lobby posters services from CUSG E-statement creative Newsletter articles and messages templates Website and social media content Weekly s of in-market members Loan links on GM microsite Credit Union Annual Marketing (January – December) REQUIRED Complete any combination of two (one within first 6 months of enrollment and both annually thereafter): Include in quarterly statement inserts/E-statements A direct mail/loan promotion piece Conduct GM marketing campaign Complete all (annually or ongoing thereafter): Promote through newsletter/website articles within first 6 months of enrollment Utilize lobby materials within 60 days of enrollment Place GM web banners or links on website home page and loan page within 30 days of enrollment Include consumer overview piece in Human Resources new hire and employer group packets within 60 days of enrollment RECOMMENDED Complete one (within first 6 months of enrollment) and annually thereafter): Include in quarterly statement inserts/E- statements A direct mail/loan promotion piece Conduct GM marketing campaign Complete all (annually or ongoing thereafter): Promote through newsletter/website articles within first 6 months of enrollment Utilize lobby materials within 60 days of enrollment Place GM web banners or links on website home page and loan page within 30 days of enrollment

Pricing Example

Frequently Asked Questions Question:Does my credit union have to enroll? Answer:Yes, to receive the benefits of the Premium program you must enroll. However if you were previously signed up for Big Ticket your Credit Union already has access to the Standard Program benefits. Question:Is there a deadline to enroll? Answer:No, all Credit Union Members remain eligible for Preferred Pricing. Question:What are the main differences between the Premium and Standard enrollment level? Answer: Employee pricing for credit union employees who own a non-GM make vehicle Custom inserts/take ones Custom web banners Access to occasional GM special offers Occasional GM marketing services Question:Are Employee Pricing and the Credit Union Member Discount stackable? Answer:GM Employee Pricing consists of an employee vehicle allowance (EVA) which is a cash discount in addition to the credit union member discount For a complete list of FAQ’s go to:

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

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 addresses Hot leads you can use to follow up with members! Additional reports identify sales for Member Rewards Program Credit UnionFirst NameLast NameAddressCityStateZip Registration Date Status Sample Credit UnionGeorgeSmith39832 Spacely Sample Credit UnionJaneJones25797 Sample Credit UnionJudyO'Hara45090 Rosy Sample Credit UnionElroyReed8203 Astro

3.9% for 60 Months Subvented Financing*: 2.49% for 60 Months Credit Union Financing**: MSRP: $31,400 Down Payment: $2,000 Consumer Cash: $0Consumer Cash: $2,000 Invest in America Discount 0 Invest in America Discount $1,659 Loan Amount: $29,400Loan Amount: $25,741 Monthly Payment: $540Monthly Payment: $457 Total Savings From Financing at Your Credit Union: $4,980 The Credit Union Member Discount from GM is no longer compatible with subvented rates such 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

Exclusive/special incentives that help drive membership value and income for you

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

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.

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 1,700 credit unions already supporting the Sprint CU Member Discount Program!

Poster Take-One Web Banners

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

PartnerPremiumStandard Member Offer 15% All Federal Products 10% Federal Deluxe Credit Union Requirements Send two or more dedicated TurboTax s to members (early January and mid March) TurboTax banner above-the-fold on your homepage (December – April) TurboTax banner or Text Link above –the-fold on on-line banking page(s) (December – April) TurboTax banner above-the-fold on your homepage (December – April) TurboTax banner or Text Link above – the-fold on on-line banking page(s) (December – April) Sweepstakes Participation Enroll at the Promoter Level Send at least 1 by 1/26/12 with a link to the co-branded sweepstakes microsite Place a sweepstakes banner & link to the sweepstakes cobranded microsite above-the fold on the home page of the CUs web site & OLB home page or account summary page from 1/5/12 – 2/21/12 Include sweepstakes messaging on an insert/e-statement or newsletter by 1/26/12 NA

Standard Size and Custom Web Banners HTML Templates Free Lobby Posters and Co-Branded Statement Inserts Shipped to Your Mailing House Co-Branded TurboTax Website with Your CU Logo and a Cross-Sell Banner 15% Discount on All Federal Products Members who start a TurboTax return will be entered into a sweepstakes

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

1.CUSG funds and provides all marketing collateral: Coupons, statement stuffers, newsletter articles, templates 2.Your credit union promotes JH offering to members 3.Your members receive a hard copy coupon via statement stuffer, in-branch and/or printing a website pdf 4.Your members redeem the coupon at Jackson Hewitt office and receive an instant $30 discount 5.JH/CUSG track all JH coupon redemptions and provide report at the end of tax season Sample Co-Branded Coupon

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 $15 on every item purchased from flowers, gift baskets, spa sessions and more! 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

When: July 1 – September 3, 2012 Member Offer: Savings on 12 PC packages with popular equipment specifically for students – Students, parents, teachers and school employees eligible – $200 Dell eGift card Additional savings on TV’s and other electronics for the dorm room Register for Dell Advantage and receive: – 5% Dell promo eGift card with each purchase – Free 2 nd business day shipping – Exclusive member only offers for PCs, electronics and accessories Credit union benefits: Help members overwhelmed with education forms, expenses and logistics to save on a PC Free marketing materials including posters, and e-statement messages you can edited Cross-sell opportunity for new student credit cards or technology loans and new/re-issued credit cards, home equity loans and other lines of credit for parents and faculty For more information visit

Free ready-to use marketing materials including: Customization and campaign execution services available Monthly newsletter Frontline Staff Resource Guide National program support blasts Newsletter articles Take Ones E-Statement Artwork On-hold Messages Statement Inserts Logos Posters Website banners

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 s 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

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

Create a member discount page on your website which lists in detail all the credit union member discounts available including those from IIIA

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

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: – Twitter; – Blog: – YouTube:

Recommend steps for getting started: Select the IIA programs that fits your credit union’s goals and objectives Visit to 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 ( ed 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

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