1 Credit Union Auto Club Program Overview

What is Credit Union Auto Club? The newest Invest in America program Created exclusively for credit union members Provides unparalleled service and unprecedented value in roadside assistance – From little incidents like being locked out of a vehicle to bigger troubles like needing a tow truck, Credit Union Auto Club keeps members moving on the road Members are covered in any non-commercial vehicle they travel Professional customer service team 24/7/365 to assist members – Nearly 38,000 service providers across the U.S. and Canada – To add a service provider Credit Union Auto Club is powered by Auto Knight Motor Club, a wholly owned company of Fortegra Financial – Fortegra Financial is a NYSE listed company headquartered in Jacksonville, FL with a 40 year unblemished record of service delivery and claims payments Credit unions are eligible to receive marketing reimbursements when members purchase memberships in Credit Union Auto Club 2

Plan Benefits Plan Benefits 3 ServiceDescriptionBenefit Emergency Roadside Assistance Service call to member’s disabled vehicle including; tire change, jump start, fuel, breakdown, mechanical impairment INCLUDED – SIGN AND DRIVE Up to $75.00 benefit maximum Emergency Tow and/or Extrication Service call to tow and/or extricate member’s disable vehicle. 10 mile tow range or up to maximum benefit. INCLUDED – SIGN AND DRIVE Up to $75.00 benefit maximum Emergency LockoutServiceperson or locksmith service call to open locked vehicle INCLUDED – SIGN AND DRIVE Up to $75.00 benefit maximum Flat Tire RepairFlat tire repair expense Up to $15.00 benefit Reimbursed expense Fuel Delivery ServiceDelivery of fuel to member’s vehicle, fuel charges apply Up to $15.00 benefit Reimbursed expense Emergency Ambulance ServiceAmbulance fees to transport member from vehicle accident to hospital Up to $ benefit Reimbursed expense Travel Interruption Protection Lodging or journey continuation while your car is being repaired or if your car becomes disabled more than 100 miles from home. Up to $ Reimbursed expense Map Service Member contacts customer service and requests maps showing the best route to any destination in the U.S. or Canada FREE Traffic Court DefenseFees paid to your attorney to defend you in court on traffic ticket $ Reimbursed expense Legal FeesFees paid to your attorney to collect for damage and/or personal injuries sustained by you in a car accident $ Reimbursed expense

Plan Pricing 4 Each plan price is for a 12-month period with automatic renewal option Plan TypePrice Individual$47.00 Individual + 1*$58.00 Family (up to 4)*$69.00 Family +1 (up to 5)*$80.00 Family +2 (up to 6)*$91.00 *Drivers residing in the same household. Drivers are covered in any vehicle they travel. Family plans offer the best value!

Plan Comparison Plan Comparison PlanAAA (Standard) Credit Union Auto Club Individual (Annual)$51.00$47.00 Individual + 1$77.00$58.00 Family Plan (up to 4 people)$129.00$69.00 Family Plan (up to 5 people)$155.00$80.00 Family Plan (up to 6 people)$181.00$91.00 Sign Up Fee$15.00$0.00 Benefits Emergency Road Assistance – tire change, jump start, fuel, mechanical impairmentIncluded Fuel Delivery ServiceAt Cost of Fuel Emergency Tow or extrication/winching Included tow up to 5 miles Included tow up to 10 miles Travel Interruption ProtectionUp to $600Up to $300 Limited Legal Fee ReimbursementUp to $500Up to $200 Vehicle Lock-Out Included Up to $50 benefit Included Up to $75 benefit Travel Materials (Maps)Free Emergency AmbulanceNA$150 5

Member Experience 6 * Payment options include credit union debit and credit card Member is directed to the LMCU Auto Club page. Member enrolls online via credit union marketing efforts.* Member receives PDF of temporary membership card on screen. Membership kit with membership card and welcome letter arrives in 5-7 days. Member utilizes benefits as necessary. Auto renewal sent 30 days prior to expiration. Plan will auto-renew unless they cancel.

LMCU Landing Page 7

Credit Union Auto Club Microsite 8

Membership Card/Welcome Kit Members will receive a temporary PDF membership card on screen immediately following enrollment Members will receive their welcome kit within 5-7 business days after initial enrollment Welcome kit includes – Welcome Letter – Membership card – Terms and Benefits document – Invest In America program insert 9

Marketing Reimbursements 10 Enrolled credit unions are eligible to earn $5 - $9 per membership – The marketing reimbursement is paid annually – December of each calendar year – Membership renewals eligible for marketing reimbursements Credit union enrollment form is located in the Partner Center at html on the Love My Credit Union website html Access to FREE turnkey marketing materials Member Price - Individual Member Price - Individual + 1 Member Price – Family Up to 4 Member Price – Family Up to 5 Member Price – Family Up to 6 Member Price$47$58$69$80$91 Credit Union Marketing Reimbursement$5$6$7$8$9

Member Enrollment Tracking 11

Credit Union Enrollment 12

Enrollment Overview Page 13

Credit Union Enrollment Form 14

Marketing Requirements Credit unions that enroll and actively market the program to their members will be eligible to receive marketing reimbursements Member Communications Complete one of the member communications items listed below each quarter for four quarters within a 12 month period and ongoing quarterly thereafter: Ongoing Marketing Utilize the following marketing materials within 30 days of enrollment and ongoing thereafter: Place banner or link on website within 30 days of enrollment and ongoing thereafter – Suggested locations: Auto loan page, discount page, insurance page, etc. Utilize lobby materials within 30 days of enrollment and ongoing thereafter – Take ones, lobby posters, digital 15 Quarterly statement inserts/E-statements Direct mail promotion piece marketing campaign Newsletter article Additional Options - Use any/all of the social media tactics below to supplement quarterly requirements and can be used to fulfill one quarterly requirement per year: –Face Book, Twitter, Blog

Promotional Opportunity Promotions are easier and more affordable with Credit Union Auto Club! – Driving Auto Loans – New Membership Welcome – Employee Rewards Through a specially built portal, your credit union can purchase up to 100 Credit Union Auto Club memberships, in one transaction, at a savings of $10 off the member price Plus, you'll still earn marketing reimbursement funds with each membership purchase -- for a combined savings of between 20%-24% 16

Credit Union Auto Club Promotional Pricing 17 Buying your promotional memberships is an easy five step process: Log into the Invest in America Partner CenterPartner Center Click on Credit Union Marketing MaterialsCredit Union Marketing Materials Click on Credit Union Auto Club Marketing Materials Go to the Credit Union Auto Club Promotional Membership Enrollment portal Enter each member's information, up to 100 at a time, and pay by credit or debit card As you plan your next promotion or your 2014 marketing plan, make sure to include Credit Union Auto Club discounted memberships to help drive interest. Member Price – Individual Member Price - Individual + 1 Member Price – Family Up to 4 Member Price – Family Up to 5 Member Price – Family Up to 6 Member Price$47$58$69$80$91 Credit Union Promotional Price$37$48$59$70$81 Credit Union Marketing Reimbursement$5$6$7$8$9

Promotional Enrollment Portal 18

Peninsula Best Practice 19 Fall Newsletter

Money One Best Practice 20

Bethpage FCU 21

Summary Comprehensive roadside assistance benefits for your members – Unparalleled service, unprecedented value – “always here when you need us” Great promotional opportunity Credit unions to earn marketing reimbursements 22

Contact Information 23 Please contact your National Business Consultant with questions/feedback. Leslie NorushLeslie Norush, National Business Consultant (Alabama, Florida, Georgia, Hawaii, Illinois, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Wisconsin) x 542 Colleen MeekColleen Meek, Senior National Business Consultant (Alaska, Arkansas, Arizona, Colorado, Idaho, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wyoming) x 530 Curt BelaneyCurt Belaney, National Business Consultant (Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington D.C., West Virginia) x 543 Bob BeardenBob Bearden, National Business Consultant (California, Nevada, Montana, North Dakota, South Dakota) x 751 Crissandra FryCrissandra Fry, National Business Consultant (Oregon, Washington) x 549 Inside Sales Jackie AdamsonJackie Adamson, National Business Consultant x 584 Gary SiegelGary Siegel, National Business Consultant x 586 Drew Cook CU Solutions Group Direct: