Invest in America Membership Enhancement Program Overview

Contents What is Invest in America Results Why it Works How it Works Opportunities for Credit Unions –Big Ticket Items Financed by Credit Unions –Exclusive Partnerships - Sprint –Member Rewards Program Offers Getting Started Contacts

What is Invest in America? A membership enhancement program that offers credit union members discounts on products and services, provided by U.S. based companies Utilizing the credit union’s ability to leverage their unique relationship with their members to market the offers –Generates opportunities for increased consumer loans, credit/debit card activity and member loyalty –Allows members to save thousands on products they purchase –Provides a stimulus to the economy and partner companies

IIA Results thru 12/31/10 MetricStatus IIA League Participation46 # IIA Supporting Credit Unions2,754 % CU membership69% Total Transactions to Date1,431,968 Total Vehicle Sales342,924 # CU Loans223,748 $ Saved by members with Sprint$85 Million Sprint Activations 1,086,438

Why it Works Credit Union demographics match IIA vision: –70% of credit unions began as “occupational-based” credit unions –A great fit for the culture of value, trust and cooperative principals espoused by credit unions Members trust their credit unions to provide: –Low-cost, high quality financial services –“Real” promotional offers, not gimmicks Founded on the principal of “Made in America” –Credit unions and their members are rallying to the concept of Investing in America by supporting U.S. companies

How It Works We contract with U.S. based companies to offer exclusive discounts We market the programs directly to credit unions and to state leagues/league service corporations Credit unions select which programs they wish to promote We provide FREE turn-key marketing materials to supporting credit unions Members utilize the discounts, saving money and increasing the value placed on credit union membership

Value Proposition for Credit Unions We are proud to bring you a program that your credit union can participate in for free and offers exclusive discounts available only to credit union members. Invest in America is a unique program that both saves your members their hard earned money and helps your credit union: grow and retain members & drive member loyalty with IIA an exclusive credit union member rewards program generate more auto loans with GM Preferred pricing grow credit/debit card transaction volume with ShopAmerica and more than 1,200 merchants generate non-interest income with Sprint’s wireless services

IIA Membership Enhancement Programs Credit unions choose from three separate programs which provide unique opportunities: –GM Preferred Pricing – provides opportunity to generate deeper loyalty and additional auto loans –Sprint Wireless Services* – Personal and business wireless provides opportunity to earn additional non-interest income –Member Rewards – All other Partner offers – provides opportunity to generate deeper loyalty and increased credit/debit card transactions For complete details or to sign up visit: * Requires separate marketing agreement

Sprint Marketing Requirements To participate in the Sprint program, credit unions agree to the following marketing requirements to receive annual incentive: 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 Get started now and join the over 1 million credit union members already saving with Sprint

Member Enhancement Program Offers Domestic Auto Exclusive Partnerships Member Rewards

Preferred Pricing – Members save thousands with Preferred Pricing on top of other Cash Back offers When combined with low credit union loan rates, the savings are even better! For complete details visit GM Current Offer 2011 Chevrolet 1500 Extended Cab LS 2WD Preferred Pricing Example MSRP$29,135 Preferred Pricing$27,611 Consumer Cash Allowance$2,500 Credit Union Member Price$25,111 Credit Union Member Savings$4,024

AutoNation Direct Pre-Owned Vehicle Program – Florida Pilot Pilot Offer for Florida Credit Union Members –Up front pricing with discounts up to 15% from publicly published prices –Thousands of pre-owned vehicles in stock –Certified pre-owned vehicles include a 135-point inspection, 3-day/150 mile (whichever comes first) money back guarantee and a 60-day Unlimited Millage Limited Powertrain Warranty White Glove Service throughout the entire process –Online, over the phone or at the dealership –Shop without leaving home or office –Unbiased, expert information for members to make an educated purchase decision –Delivery at credit union or dealership (takes less than an hour) –Direct members back to credit union to arrange financing –Provide a positive Member experience –Improve the car shopping process

Sprint Current 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

Allied Van Lines Nationwide Credit Union Member Discounts Members receive corporate rates (minimum of 60% discount on inter-state moves) saving thousands from standard rates Opportunity to promote as an extra value to members receiving mortgage loans Credit unions encouraged to use marketing materials with approved mortgage applications Cross promote DIRECTV offer to same audience For complete details visit:

Tax Services IIA preferred partner, CompleteTax –Credit union members receive a 30% discount –Basic package is free, others start at $13.95 –Plus 3 offers to file your Federal forms free: Unemployment, Balance Due, and Switching from a competitor Shop America also offers three additional preparation programs with cash back –TaxCut – 11% cash back –FreeTaxUSA – 25% cash back Credit union newsletter article available at:

CU Benefits Express Medical Discount Plan ($14.99/mo.) Lifestyle Discount Plan ($14.98/mo.) Combined Plan ($28.95) Dental Care Recreational Activities All medical discounts Vision Care Financial Helpline All lifestyle discounts Medical Supplies Legal Services Best deal Mail Order Pharmacy Fitness Bundled discounts on medical and lifestyle products and services Discounts from 5% - 60% Packages include: For complete details visit:

$15 discount on each item ordered: Members encouraged to use their credit union credit/debit card It’s not too late to start planning your marketing efforts for Valentine’s Day. Look for new marketing materials soon on the Marketing Materials Page For complete details visit FTD.com - Flowers- Gift baskets - Plants - Chocolates - Spa certificates and more

DIRECTV Exclusive Credit Union Offer –$5 off per month on subscription (first 12 months) on top of other DIRECTV promotions –Members receive $15 deposited into their credit union savings/checking account –DIRECTV and CUcorp will also donate $10 to the Children’s Miracle Network America's #1 Satellite TV service for the past 15 years –Ranked higher in customer satisfaction than major cable TV providers for 9 straight years –Over 18 million households –Most HD channels –More sports channels Complete details at:

ShopAmerica Holiday specials were a hit as Shop America traffic doubled in November and December over previous months! Savings from over 1,200 leading on-line merchants! Members earn cash back for each purchase Shop favorites such as Apple, DSW, Kohl’s and more! Marketing materials available at Additional details can be found at:

Getting Started 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 Big Ticket or Member Rewards program or obtain a Sprint Marketing Agreement Train staff and distribute frontline staff resource guide ( ed the first of every month to supporting credit unions)

Marketing Support Promote the offers using materials available from the Marketing Materials section of the Partner Center including: –Web banners that link members to –Posters and statement inserts for your branches –Suggested members e-blast messages –Sample articles for your next newsletter Review your sales online with your custom scorecard from the Partner Center at: =%2FScorecard_539.html =%2FScorecard_539.html

National Business Consultants Robert Bearden (California, Nevada, Oregon, Washington) x 751 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 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

IIA Program Contacts Lisa Robinson, VP Membership Enhancements & Sales x 539 Drew Cook, Director, Invest in America x 273 Alan Babcock, Director of Membership Enhancement Programs x 252 Nancy Sawicki, Sales and Marketing Assistant x 534 Rhonda Peruski, Sprint Program Manager x 521 Jennifer Nakhleh, Sprint Coordinator x 396 Gary Siegel, National Business Consultant, Inside Sales x 586 Jaclyn Adamson, National Business Consultant, Inside Sales x 584