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 Special Limited Time Promotions Program Offers Getting Started Contacts 2

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 3

IIA Results thru 2/28/11 MetricStatus IIA League Participation46 # IIA Supporting Credit Unions2,871 % CU membership71% Total Transactions to Date1,561,458 Total Vehicle Sales395,487 # CU Loans228,731 $ Saved by members with Sprint$93 Million Sprint Activations1,162,753 4

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 5

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 6

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 7

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 8

Sprint Marketing Requirements To participate in the Sprint program, credit unions agree to the following marketing requirements to exclusively promote Sprint and receive an 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 9

Special Limited Time Promotions IIA Member Raffle Promote this raffle to raise awareness of IIA, increase traffic to your web site and cross promote credit union services Raffle Highlights: –Dates: members may enter the raffle beginning April 1, 2011 through May 31, 2011 –Eligibility: No purchase necessary. Consumers who are currently a member of a credit union as of April 1, at 12:01 a.m. and are at least eighteen (18) years of age are eligible. Only one entry per person, per day is permitted. The winner of the Grand Prize must have a valid driver’s license –Winners will be drawn at random and notified by June 30, Raffle Prizes: Grand Prize – 2011 Chevrolet Cruze LTZ (Approximate retail value of $28,000) First Place – Sprint Wireless package, including a Galaxy Pad and 2-year agreement, Epic phone and 2-year agreement, and gift card to purchase accessories. (Approximate retail value of $5,000) Second Place - $1,000 gift card to spend at Shop America Marketing materials can be found at: Customize the sample newsletter article and include it in your April newsletter Additional materials will be added by mid-March

Special Limited Time Promotions GM – March Truck and SUV Promotion –Now through May 2, 2011 –Credit union members are able to stack up to $3,000 in savings on top of the credit union member preferred pricing discount. Sprint – Through April 16 –Sprint Gives Credit – Provides members with service credits of $50 or $125 when switching from a competitor Member Rewards –Spring Fever featuring Shop America and FTD –Visit marketing materials to access materialsmarketing materials 11

Member Enhancement Program Offers Domestic Auto Exclusive Partnerships Member Rewards 12

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 13

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 –Expanding into Arizona, California, Nevada and Washington State in April 2011 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 14

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 15

Sprint Gives Credit Promotion Now through April 16, 2011 Credit union members receive a service credit * for each newly activated line of service when they switch to Sprint –$125 per line credit for each Smartphone –$50 per line credit for feature phones Above and beyond regular credit union member discount that includes: –10% off select regularly priced monthly service plans (15% for businesses) –waived activation and upgrade fees. Members could see hundreds of dollars in combined savings. Visit the for promotion details. * The credits will be applied to the first or second invoice following the 61 st day after the eligible activation. All lines must come from an active wireless line at another carrier and remain active for the 61 days to receive full service credit. Visit LoveMyCreditUnion.org for details 16

Sprint/Best Buy Promotion Partnering with Best Buy in the Northeast region to provide 10% off on accessories to credit union members – in store only –Piloted in Northeast region –CT, DE, MA, NH, NJ, NY, PA & RI -Offer good until May 31, 2011 ValPac insert will reach over 7.3 million households –February million households –March – 440 thousand households If successful, a national program will be considered 17

CMG/Members Auto & Home Insurance IIA partnered with CMG to provide Members Auto and Home insurance Insurance underwritten by Liberty Mutual, valid in 49 states (Excludes Alaska) Credit unions already partnered with CMG –Nothing changes, members simply have additional access point –Commissions on policies written thorough IIA will still earn the same commissions for Credit unions and Leagues Credit unions not partnered with CMG –Sign up to make insurance available to your members via IIA –Commissions will not be paid to credit unions that do not have a contract with CMG Provides a channel members prefer: 63% of insurance buyers look for internet access to quotes* Members receive a discount of up to 10% Generates additional not interest income for the credit union with no additional expense * To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify ***ComScore Auto Insurance Report, March, 2009 *** Discounts are not available in all states and discounts may vary by state. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union 18

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 Cross marketing opportunity - promote as an extra value along with DIRECTV and Members Auto and Homeowners insurance to members applying for mortgage loans Credit unions encouraged to use marketing materials with approved mortgage applications For complete details visit:

Tax Services IIA offers savings on different tax preparation and filing services directly and as part of the Shop America on-line mall Cash back and savings of up to 30% Members can file electronically and receive their returns in about two weeks IIA tax services are a natural fit when discussing savings options with your members Save your members money and grow deposits, it’s a win- win 20

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 For complete details visit FTD.com - Flowers- Gift baskets - Plants- Spa certificates and more - Chocolates 22

DIRECTV $100 discount for new activations as follows: –$60 discount by way of $5 off each month for the first twelve months (same as today) –$40 rebate that CU Growth Solutions will send to the member after receiving payment from DIRECTV Provides more cash in members hand Eliminates need for credit unions to identify member accounts to make deposit 23

Shop America 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) 25

Marketing Support Promote the offers using materials available from the Marketing Materials section of the Partner Center including:Marketing Materials –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 Centercustom scorecard 26

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

IIA Program Contacts Lisa Rizk, VP Membership Enhancements & National 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