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2. PRODUCT OVERVIEW 2 2

3. Prize-Linked Savings History 2008 - Prize-linked savings product Save to Win is developed by Doorways to Dream Fund (D2D), the Filene Research Institute and the Michigan Credit Union League & Affiliates (MCUL) 2009 - State of Michigan pilot program attracts over 11,000 member accounts in the first year 2010 - First $100,000 grand prize is awarded in Michigan 2011 - Michigan program expands to 43 credit unions 2012 - Nebraska launches Save to Win in 2012 and credit union members save nearly $2M. CU Solutions Group (CUSG), Affiliate of the MCUL takes on the product management aspects for the national program 2013 - North Carolina and Washington become the 3 rd and 4 th states to launch Save to Win 2015 - Connecticut becomes the 5 th state to launch Save to Win and joins MI and NE credit unions in the first large scale multi-state program. New York launches the Lucky Savers Prize-Linked Savings Program 3

4. About Doorways to Dreams 4 D2D is a valuable partner to CUSG and the Lucky Savers Program. In addition to being one of the founders of Save to Win and trade mark owner of the Save to Win Brand and the Prize-Linked Savings (PLS) Method, they provide ongoing research, program statistics, annual reports and offer legislative and product development support. Mission Doorways to Dreams (D2D) Fund strengthens the financial opportunity and security of low and moderate income consumers by innovating, incubating and stimulating new financial products and policies. Vision D2D Fund envisions a world where the financial system promotes lasting social and economic prosperity for every family. Research D2D runs research with all participating credit unions through surveys collected at account opening and works to provide incentives through competitions. Results from surveys helps to improve the product design and understand who the product is serving. For more information on research that has been done on prize linked savings or to view reports on the Save to Win program go to D2D’s website at www.d2dfund.orgwww.d2dfund.org Check out D2D’s most recent report Save to Win: Save to Win Impact: 2013 OverviewSave to Win: Save to Win Impact: 2013 Overview

5. Save to Win Impact 2013: D2D 5 15% of 18-24 year olds have Save to Win accounts, which is more than 2,400 accounts nationwide

6. Survey Results & Testimonials Member Survey Results Financial Vulnerability Index Low-to Moderate Income 34% Non-Savers 45% Asset Poor 37% Financially Vulnerable 63% Other Findings What loans, if any, are you interested in receiving from this credit union? Check all that apply. Auto loan 17%Mortgage loan 10% Business loan 1%Personal loan 9% None 56% 2 nd Mortgage 6% 7% -11% of Save to Win members joined their credit union for the Save to Win product. Credit Union Testimonials “Getting people to save more is the best thing we can do for them, and sometimes we almost have to trick them into it. That’s what I feel like we are doing with Save to Win, they don’t think of it as saving so much when they are making the decision to open the account. They are thinking about winning a prize. Saving is the secret benefit.” - Hank Hubbard, CEO Communicating Arts Credit Union (MI) “The Save to Win program means so much to us as an organization, simply because it means so much to our members. It aligns with our vision and is just part of our commitment to enhance the lives of our members. Encouraging members to save and offering prizes along the way creates a fun way to make saving a part of their lifestyle and an effective way to watch their money grow.” - Judy Tharp, CEO Piedmont Advantage Credit Union (NC) “The Save to Win program encourages our members to save through a win-win situation. The drawings are exciting for our members and our staff — we’re always delighted when we see our members on the monthly drawing list! If anyone is interested in saving money, we highly recommend this program.” - Nikki Rue, Marketing Manager Mutual 1st Federal Credit Union (NE) 6

7. National Program Results 7 59 credit unions are offering Save to Win in 5 states 14,800 accountholders are participating YTD More than $41 million saved YTD $1.6M in prizes have been awarded to 15,000 members 2013 CUNA National Award Winning League Product - 1st place Louise Herring

8. Featured Articles The Save to Win program not only attracts dedicated savers and encourages non savers to get into the habit of saving, it has also received a lot of media attention over the years. Check out the national press and other articles posted on the Save to Win consumer website at www.savetowin.orgwww.savetowin.org 8

9. What is the Lucky What is the Lucky Savers Account? Savers Account? The Lucky Savers account is 12-Month Share Certificate account with unlimited deposit capabilities 12-Month Share Certificate Structure Ongoing deposit functionality Interest rates are set independently by each credit union Minimum opening deposit and balance requirement is $25 No minimum or maximum deposits per month No cap on account value (unless imposed by your credit union) One withdrawal permitted per 12 month period for a $25 fee Deposits = Entries For every $25 in month-over-month balance increase, accountholders earn one entry into the monthly and quarterly drawings Maximum of 10 entries per member per month Accounts must be open through the drawing period to be eligible for prizes 9 Product Details

10. Account Qualifications What is Different What is Different About this Account? About this Account? The Lucky Savers account is a prize-linked savings (PLS) product subject to state laws Account holders must be: 18 years or older Resident or non-resident of New York PLS and lottery laws vary from state-to- state and the NY law allows for non- residents to participate Limited to 1 account per person per credit union Employees and Board Members may not win central prizes (this includes joint accounts) Credit unions may set up separate prize pools for staff, funded by the credit union Credit unions may also set up an individual member drawing, funded by the credit union Not available for business or trust accounts 10

11. Building Savings Concerned about Concerned about increasing Share increasing Share Balances? Balances? PLS product are designed to help people learn to save so share balances grow slowly Discussion Points The average Save to Win account balance ranges between $900 - $2,600 Product generally appeals to asset-poor who need to build savings Only 120 entries are permitted for each 12- month term, so a maximum share balance of no less than $3,000 may be set by the credit union Credit unions choose their own interest rates and may adjust them at any time This product has the potential to bring in new members and gives credit unions cross selling opportunities 11

12. Credit Union & Member Benefits For Credit Unions Exclusively available only at participating credit unions Builds member loyalty by offering a product that helps members become more financially savvy Turn key marketing materials, training documents, technology support and product administration Credit unions with prize winners can gain additional PR through social media outlets and check presentations Enables credit unions the opportunity to award additional member and staff prizes Credit unions can control the interest rate and incorporate dollar caps on the product to help maintain their balance sheets This product has the potential to bring in new members and gives credit unions cross selling opportunities to increase wallet share For Members Lucky Savers is free to members Allows members to start a regular savings plan with automatic deposits and create savings goals Offers members earning potential with prizes throughout the year Gives members the thrill of a lottery without the risk Builds trust by knowing their credit union has their best interest in mind Members are allowed one withdrawal per 12 month term so their money isn’t locked in like a typical CD Lucky Savers is a secure and federally insured savings product Shared consumer website provides educational content and savings tools to members Automatic renewal at maturity makes continuing participation easy and convenient for members 12

13. THE PRODUCT PACKAGE 13

14. Technology Package  Member Facing Website  Built and managed by CUSG  Educational content and saving tools  Article press room  Featured winners and videos  Credit Union Administration Website  Program statistics  Data upload center  Credit union drawings  Information resources  Downloadable marketing materials  Data Management System  Data auditing  Drawing administration  Technical support 14

15. Marketing Package  Print Marketing  Large and small lobby posters  Statement stuffers and brochures  Window clings  Digital Marketing  Free downloadable PDF’s and print ready files  Free web banners, logo and images  Public Relations  Newsletter/e-mail blast/social media content  Customizable press release  Additional Services Available  Printing is available through the NYCUA or credit unions can use their own local print vendor  CUSG can be contracted to develop additional customized materials for your credit union 15

16. Credit Union Marketing Plan 16

17. Product Management  Credit Union Implementation  Onboarding your credit union  Participation agreement and fee schedule  Implementation guide and rules  Credit union checklist  Data system requirements  Staff training  Credit union meetings  Weekly or bi-monthly pre launch calls  Monthly post launch calls  Ongoing Product Management  Central administration of drawings  Notification of drawing results  Quarterly program webinars  Monthly data reporting and technical support 17

18. IMPLEMENTATION PROCESS 18

19. Becoming a Lucky Saver Credit Union 19 Implementation  Credit unions reported that it took 4-6 weeks to implement the product  Marketing orders (allow 4-6 weeks for delivery)  Implementation calls to review product documents and processes  Set up account requirements in data system and test file prior to launch  Train staff and send out new product information to members  Ongoing monthly data reporting and monitoring with data check tool

20. Team Roles & Responsibilities Key Stakeholders A successful launch requires an integrated effort across your organization including:  Operations  Marketing  Information Technology  Finance  Security and Risk  Legal  Member Service  Branch Management  Frontline Staff Ongoing Roles The following roles should be established for ongoing product management:  Product Manager: Oversees implementation process, staff training, marketing of the product and is the main contact for the program  Data Manager: Data quality checks, uploads data file and administers individual credit union and employee drawings 20

21. Rules and Disclosures Official Rules NYCUA will provide credit unions with a complete Official Rules template. Your credit union will customize the following areas:  Credit Union Name  Credit Union Specific Prizes  Share Certificate Terms  Credit Union Specific Limitations The official rules and disclosure documents are a great starting point for your team as they identify important decisions for your credit union to make prior to implementation: 1.Will you offer your own credit union specific prizes? If so, how much and how often? 2.Will you impose a cap on the deposit account? Truth in Savings* A Truth-in-Savings disclosure template will also be provided. Your credit union will customize the following areas:  Effective Date  Interest Rate  Balance Computation Method  Accrual of Interest  Exceptions to Withdrawal Penalties  Renewal Policy *This is an optional template that has been created for credit unions to use. If your credit union has a standard TIS Disclosure for all of you products, feel free to use that one instead. 21

22. Systems Requirements  Create a unique share certificate account with unlimited deposit capacity  Allow the share certificate account to automatically renew after each 12 month period so that members retain the same certificate account/share ID  Invoke a $25 penalty for the first withdrawal before the 12-month certificate period ends and close the account upon the second withdrawal  Transfer funds into the account automatically for the account holder on an “as-requested” basis  Easily be able change the amount of an automatic transfer  Generate a consolidated deposit account statement detailing each of an individual’s deposit accounts and his or her transactions  Allow account holder access to account balances and deposit activity via remote access channels  If capability exists, set up automate pop-up messages to remind credit union staff to discuss this product with account holders/targeted members 22 This product is a 12-month share certificate with special features. Our participating credit unions are utilizing a variety of core systems and have reported relative ease in programming the product.

23. Data Requirements 23 Data Quality The legality, success and reputation of the program counts on quality data delivery

24. Data Security  Your members’ SSNs will be included on the standard monthly data report that you generate at your credit union  When you enter the administrative area and choose to upload data, the data will be protected by an SSL Certificate. This change is easily recognizable as the URL will change to begin with “https” and a small lock will appear in the lower right hand corner of your screen  As the data is transmitted securely, a one way hash algorithm will encrypt the SSN and store that in a temporary table, which will be unique for each user/SSN combination  The data uploaded will be destroyed, and the hash in the temporary table will be used during the rest of the import process  The final upload file to CUSG will include only the hash value. This will be used to cross- reference monthly data, flag data errors, and report product data  Aggregate data will be shared with the Doorways to Dreams Fund for research purposes only 24

25. PRICING MODEL & PRIZES 25

26. Credit Union Pricing 26 Annual program cost – based on membership size Other program cost considerations 1.Credit unions are encouraged to promote optional monthly and/or quarterly drawings for their members and/or staff, in addition to the central drawings. Optional prizes would be funded by the credit union and should not exceed $5K in prizes per quarter. 2.Credit union are also responsible for costs associated with marketing the program (print materials, ads in local newspapers, etc.) Membership SizeProgram Cost Up to 2,500 members$100 2,501 - 5,000 members$500 5,001 - 10,000 members$1,000 10,001 - 25,000 members$1,500 25,001 - 100,000 members$2,000 100,001 + members$3,000

27. Central Prize Pool 27 Prizes# of WinnersPrize AmountTotal WinnersTotal PrizesDrawing Dates Monthly16$25192$4,80014 th of each month 8$5096$4,80014 th of each month 2$10024$2,40014 th of each month Quarterly3(1) $500, (1) $1,000 and (1) $5,000 12$26,00014 th of January, April, July and October Total26 per month / 3 per quarter n/a324$38,000n/a Program costs will be billed at the time of program launch and will contribute towards the central prize pool and NYCUA’s cost to run the program

28. April - July Onboarding Product overview / webinars Credit union participation agreements - by 7/31 August - September Product Preparation Marketing material orders submitted between 8/1 - 8/15 Review implementation guide and appendices with CUSG product manager Data processor set up and train staff Credit unions return official rules to NYCUA league representative - by 9/25 October - November Product Launch Marketing material distribution to credit union membership Launch program on October 1 st and first drawing will be on November 13 th 2015/2016 Program Timeline 28

29. Next Steps 29 Credit Union Feedback on the product or questions can be directed to CUSG product manager or league representative For a credit union participation agreement, fee schedule, implementation guide and official rules template contact your league representative Resources and Contact Information Save to Win Consumer Website: www.savetowin.orgwww.savetowin.org Doorways to Dreams Website: www.d2dfund.orgwww.d2dfund.org Program ContactsTitleEmailPhone Numbers Michael Lanotte SVP Association Services & General Counsel, NYCUA michael.lanotte@nycua.org800-342-9835 ext. 8236 Allison D. Barna VP, Member Services and Foundation, NYCUA allison.barna@nycua.org800-342-9835 ext. 8134 Jessica ThelenSave to Win Product Manager, CUSG jessica.thelen@cusolutionsgroup.com800-262-6285 ext. 458