1. Love My Credit Union Rewards Membership Enhancement Program Overview

2. 2 How We Help Credit Unions Program Impact Partner Programs – GM – Credit Union Auto Club – Sprint – TurboTax Best Practices Integrating Love My Credit Union Rewards into your Core Services Agenda

3. 3 Award Winning Program! 2009 CU Journal’s Innovation of the Year Award 2012 NCUF Herb Wegner Memorial Award for Outstanding Program “Rarely has the Awards and Nominating Committee collective scored a program so high,” said NCUF Awards & Recognition Committee Chairman Bob Schumacher. “When you look at the numbers that support Invest in America’s efforts, the outcome is so overwhelming, it’s hard to grasp or comprehend all its immensity.” - Watch Award video filmed by CUNA about Love My Credit Union Rewards – Love My Credit Union Rewards Video Source - National Credit Union FoundationLove My Credit Union Rewards VideoNational Credit Union Foundation

4. How We Help Credit Unions Love My Credit Union Rewards cultivates partnerships with companies bringing valuable discounts to your members, driving loyalty, and help grow your credit union’s core products and services. – Increase auto loans – increase auto loans and member loyalty through the Credit Union Member Discount from GMCredit Union Member Discount from GM – Enhance member value – Sprint, TurboTax and TruStageSprintTurboTaxTruStage – Earn non-interest income – income opportunities through the Sprint Credit Union Member Discount, Credit Union Auto Club and the ADT Credit Union Member PlanSprint Credit Union Member DiscountCredit Union Auto ClubADT Credit Union Member Plan – Increase debit/credit card usage – by offering discounts from Love to Shop, DirecTV, and other Member Rewards offersMember Rewards offers 4

5. 5 Grow Transaction Volume Members earn cash back on every purchase from over 1,500 retailers! Members can save $160 on first year’s service! Members can save up to $343.90** on average with the TruStage Auto & Home Insurance Program. Members can save up to 60% on moving and storage expense! Members receive $450 added value in additional equipment with new monitoring services Member Rewards Incentives on every day items that help drive card usage and membership value

6. 6 Through 05/31/14 Partner Program Impact Through 05/31/14 MetricResults Supporting Credit Unions3,638 Sprint1,905 Auto2,874 TurboTax1,364 Activations/Sales/Returns3,711,711 Sprint Activations1,200,528 Auto Sales648,857 TurboTax Returns1,862,326 Member SavingsMore than $908 million Total Saved by Members through Sprint ProgramMore than $370 million Total Saved by Members through Auto ProgramMore than $539 million Total Saved by Members through TurboTax ProgramMore than $9.6 million Auto Loans ClosedMore than 327,000 Auto Loan ValueMore Than $7.2 Billion Lovemycreditunion.org Unique Visitors YTD/PTD549,772 / 2,722,354

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8. Credit Union Member Discount from GM 8 Eligible credit union members can purchase NEW Chevrolet, Buick and GMC vehicles at a discount, which is a percentage based discounted price. The Credit Union Member Discount from GM can be combined with most current incentives to save even more. ‒Fixed price, non-negotiable ‒Not compatible with subvented rate financing ‒Free marketing materials

9. Enhanced Program 9 Credit Union Member Discount enhanced - October 2013

10. GM Premium Level Benefits 10 Plus, Real-Time Loan Leads! Credit Union Member Discount from GM – not compatible with subvented rates Employee Pricing for credit union employees that own a non-GM make vehicle Loan links on GM microsite Custom inserts and take ones Custom size web banners Onserts Lobby Posters Newsletter articles and email copy Email templates Social media content Weekly summary of member activity

11. Marketing Requirements 11 Marketing Requirements As part of the program requirements, your credit union must complete at least one of the member communications items listed below during at least three of the four quarters, annually to be eligible to receive your instant loan leads. Logos and program discount information must be included in the communication. Member Quarterly Communication Tactics  Quarterly paper statement inserts or e-statement onsert. (Text only statement messaging is not acceptable to meet requirement).  Direct mail promotion to at least 75% of members.  Quarterly newsletter article and/or advertisement.  Email marketing message – can be used to fulfil one quarterly requirement if credit union will email to at least 50% of members. If credit union will email to 75% or more members, this tactic can be used multiple times.  Program banner and URL link on home banking/online banking pages for at least one quarter. Can only be used to fulfil one quarterly marketing requirement. Additional Suggestions:  Utilize social media to enhance quarterly marketing requirement o Facebook, Twitter, Blog, mobile app marketing Ongoing Promotional Requirement Implement the following marketing tactics within 30 days of enrollment and ongoing thereafter as long a credit union is enrolled in the program:  GM banner placed on credit union website home page within 30 days of enrollment and continuously thereafter.  Place lobby materials (paper or digital) in all credit union lobbies within 30 days of enrollment and continuously thereafter. Employee/SEG Communication Requirement  Include GM program information in human resources new hire and employer group packets within 60 days of enrollment and ongoing thereafter Additional banner location suggestions:  GM banners o Loan page o Rates page o Member discount page o Member benefits page o Insurance page FREE Marketing Materials!

12. Member receives credit union communication(s) about GM Credit Union Member Discount, low auto loan rates and pre-qualification Insert, Email, Newsletter, Promotion, etc… Member generates authorization code and credit union is immediately notified CU immediately contacts member and gets pre-qualified/pre- approved for CU auto loan If credit union utilizes indirect lending, the loan lead should be incorporated into that process Member goes to dealer and purchases vehicle Credit union books the auto loan How It Works 12

13. Loan Link Credit unions can now easily provide their loan link to IIA! –Provides easy access to your loan app or loan page –Drive more auto loans to your credit union –Use your scorecard to provide your loan link 13

14. Marketing Resources 14 Free ready-to use marketing materials including: Onserts now available! Customization and Campaign Execution Services Available Monthly Newsletter Frontline Staff Update National Program Support Email servicesNewsletter articlesTake Ones E-Statement ArtworkOn-hold MessagesStatement Inserts LogosPostersWebsite banners Custom Inserts Custom Size Banners Posters

15. GM Premium – Custom Insert 15 Variable Fields Credit union name Credit union URL to direct members where to apply for loans Credit union logo Loan rate Web disclaimer

16. 16 http://www.lovemycreditunion.org/Credit-Union-Enrollment-Forms-147.html Enroll in GM Premium

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18. What is Credit Union Auto Club? 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 email: vendorrelationsdept@autoknight.comvendorrelationsdept@autoknight.com 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 (Symbol: FRF) 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 18

19. Plan Benefits Plan Benefits 19 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 $150.00 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 $300.00 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 $100.00 Reimbursed expense Legal FeesFees paid to your attorney to collect for damage and/or personal injuries sustained by you in a car accident $100.00 Reimbursed expense

20. Plan Pricing 20 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!

21. 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 21

22. Member Experience 22 * 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. Member auto renewed prior to expiration

23. Credit Union Auto Club Microsite 23

24. 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 – Love My Credit Union Rewards program insert 24

25. Marketing Reimbursements 25 Enrolled credit unions are eligible to earn $5 - $9 per membership – The marketing reimbursement is paid annually – Membership renewals eligible for marketing reimbursements 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

26. Enrollment Overview Page 26

27. Marketing Requirements 27 Marketing Requirements As part of the program requirements, your credit union must complete at least one of the member communications items listed below during at least three of the four quarters, annually to be eligible to receive your marketing reimbursements. Logos and program discount information must be included in the communication. Member Quarterly Communication Tactics  Quarterly paper statement inserts or e-statement onsert. (Text only statement messaging is not acceptable to meet requirement).  Direct mail promotion to at least 75% of members.  Quarterly newsletter article and/or advertisement.  Email marketing message – can be used to fulfil one quarterly requirement if credit union will email to at least 50% of members. If credit union will email to 75% or more members, this tactic can be used multiple times.  Program banner and URL link on home banking/online banking pages for at least one quarter. Can only be used to fulfil one quarterly marketing requirement. Additional Suggestions:  Utilize social media to enhance quarterly marketing requirement o Facebook, Twitter, Blog, mobile app marketing Ongoing Promotional Requirement Implement the following marketing tactics within 30 days of enrollment and ongoing thereafter as long a credit union is enrolled in the program:  Credit Union Auto Club banner placed on credit union website home page within 30 days of enrollment and continuously thereafter.  Place lobby materials (paper or digital) in all credit union lobbies within 30 days of enrollment and continuously thereafter. Employee/SEG Communication  Include Credit Union Auto Club program information in human resources new hire and employer group packets within 60 days of enrollment and ongoing thereafter Additional banner location suggestions:  Credit Union Auto Club banners o Loan page o Rates page o Member discount page o Member benefits page o Insurance page FREE Marketing Materials!

28. Marketing Resources 28 Free ready-to use marketing materials including: Onserts now available! Customization and Campaign Execution Services Available Monthly Newsletter Frontline Staff Update National Program Support Email servicesNewsletter articlesTake Ones E-Statement ArtworkOn-hold MessagesStatement Inserts LogosPostersWebsite banners Inserts/Take Ones Banners Lobby Poster

29. 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 reimbursements with each membership purchase 29

30. Credit Union Auto Club Promotional Pricing 30 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

31. Promotional Enrollment Portal 31

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33. 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, newsletters, Website and lobby distribution Unique offers available from Sprint for members Sprint handles all member service needs Opportunities to work with local Sprint stores to support community businesses

34. Member Discounts 10%* off select regularly priced Sprint monthly service Waived activation fee on new accounts (up to $36 savings) Waived upgrade fees (up to $36 savings) Business Discounts 15%* off select regularly priced Sprint monthly service Waived activation fee on new accounts (up to $36 savings) Waived upgrade fees ( up to $36 savings) * 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.

35. Contract Year = October 1 of each year through September 30 of the following year Promote Sprint service on an exclusive basis Place an approved Sprint insert in one (1) quarterly mailing per year Continuously display any of the following approved lobby materials in all branch locations: take-ones, posters, banners, monitor video Publish approved Sprint articles/ads in two (2) quarterly newsletters per Contract Year Continuously display approved web banner ad and link on Credit Union website All Marketing materials are provided FREE of charge! Get started now and join the more than 1,900 credit unions already participating in the Sprint Credit Union Member Discount Program. With more than 1.2 million subscribers, members have saved more than $370 million!

36. Banners Take-Ones Web Banners

37. Marketing Incentive The Incentive Pool is created from revenues earned during the Contract Year. Credit unions are paid the percentage of the incentive pool that is equal to their percentage of the total audience of members being marketed to nationally. Sample: Credit Union Incentive Pool = $2,000,000 Total members being marketed to (from Promotion Agreements/NCUA reports) = 5,000,000 ABC CU members in pool = 50,000 50,000/5,000,000 = 1% $2,000,000 X 1% = $20,000 ABC CU Marketing Incentive = $20,000 Marketing Schedule NEW participating credit unions in their 1st Contract Year will receive incentives based on first insert mailing. First Quarterly Insert Distribution = % of incentive: October ’14 = 100% January ’15 = 75% April ’15 = 50% July ’15 = 25% In following Contract Years, assuming all requirements are fulfilled, participating credit unions will receive 100% regardless of what month they do their quarterly statement mailing. Program year is October 1 st – September 31 st. Marketing Incentives are paid out in December.

38. 38 To ensure the continued integrity of this program, members must periodically provide documentation to verify credit union membership = eligibility of the program discount. New customers are required to verify credit union membership within 30 days of activation. Current customers are required to provide proof of discount eligibility when upgrading their device if it has been 20+ months since their last validation. Proof of membership options include any of the below with the member’s name: Credit union check Unexpired credit union credit/debit card Current credit union statement issued within the last 90 days Credit union membership card

39. Verification is easy and only takes a few minutes to complete. There are four ways to verify credit union membership: 1. Download the Free Invest in America app for Android and/or iPhone iPhone users can find it at the Apple App Store. Android users can find the app in the Android Market. Members just need to search for “Invest in America.” Members will be prompted to black out all confidential information within the app right on their phone. 2. Fill out and fax the Sprint Verification Form and supporting documents to the Sprint Corporate Accounts: 913.523.1987or toll free: 877.687.8211. 3. Visit www.Sprint.com/verify, and select “fax or upload your verification.” You will be forwarded to http://mysprint.sprint.com/verify/pages/uploadform.jsp where you can complete and upload the form and attach your proof right to the site. 39

40. 40 4. Pay your Sprint monthly bill through Sprint’s AutoPay option from a credit union checking account or credit union debit/credit card. Members sign up for Sprint’s AutoPay online using their credit union account (checking, credit card or debit card). Sprint pulls the R&T and credit/debit card BIN numbers monthly and verifies credit union membership for all accounts being paid through Sprint’s AutoPay from a credit union account via the above methods. These members are validated monthly each time the report is pulled and members verified through this process have no need to go through any other verification process. For options 2 and 3: Members need to black out all confidential information on their documentation prior to faxing/uploading. Once Sprint validates information, usually within 5 business days, members will receive a confirmation email. If Sprint has questions, they will contact the member at the wireless number provided. It will take 1 to 2 billing cycles for to see the discount on an invoice. Sprint is unable to issue retroactive credits.

41. Members indicate that they are a credit union member and present Corporate ID: NACUC_ZZM Verification of credit union membership is required Visit: Any retail outlet where Sprint products are sold Call: 877.SAVE.4.CU (877.728.3428) Click: www.LoveMyCreditUnion.org/Sprintwww.LoveMyCreditUnion.org/Sprint Lisa Treat Director, Sprint Partnership Call: 800.262.6285 ext. 523 Lisa.Treat@CUSolutionsGroup.com

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43. 43 TurboTax Overview Building Member Value with TurboTax – Largest online tax preparation service – Brand recognition – Available online, CD, mobile or tablet – Expert Help Live tax expert assistance available year round CPAs, EAs, and Tax Attorneys with years of experience – Rated 4/5 by consumers who switch – Special editions Military Mobile App – Offering the TurboTax discount to your members builds loyalty and retention, drives members to your website, opportunity to cross-sell products.

44. 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 direct 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 instead of another source due to the discount Increase Assets: 82% of CUSG credit union members directly deposited their tax refund with the credit union... you can cross-sell IRA’s financial planning, CD’s, etc. Cross-Sell Products & Services: Drive traffic your website to increase awareness about your products and services Benefits of TurboTax TurboTax can help credit unions achieve strategic goals

45. More People Filed Taxes with TurboTax than Any Other Company TurboTax Growth Continues TY13 Total Fed Units 27.8M TurboTax Sales, in Federal Units (millions)

46. Benefits of TurboTax for CU s Microsite co-branding and cross-selling opportunities – This a great opportunity to promote CU loans and other products – Members return to your TurboTax microsite an average of 5 - 6 times per season. They will see your co-branding and cross-sell banners during the tax process – TurboTax microsite is co-branded for each credit union CU logo and name appears on the home page CU logo appears on every tax preparation page Cross-sell banner – 120 x 90 – Appears on product pages throughout and exit page Cross-sell banners (two) – 200 x 200 – Appear on exit page – These banners average a 3% click through rate CU IRA page – URL link on the exit not filed page only promoting IRA – In the TurboTax product, if a member would benefit from opening an IRA, the TurboTax program will recommend it and will direct them to your IRA page. This link averages a 6% click through rate.

47. HTML E-mail Templates Marketing – Co-branded Microsite Co-branded microsite and cross-selling banner ads Co-branded TurboTax microsite with your CU logo on every page

48. 48 Cross-selling Opportunities Members typically visit the TurboTax microsite 5-6 times during tax season which maximizes your cross-sell opportunities

49. HTML E-mail Templates Sweepstakes email Marketing Materials Free turnkey marketing materials to promote TurboTax and drive members to your website Email messaging Standard Size and Custom Size Web Banners for your website Lobby posters

50. 50 TurboTax Promoter Level Building your tax strategy with TurboTax promoter level – Discount on TurboTax services for your members $5 off Federal Deluxe edition $10 off Federal Premier edition $15 off Federal Home and Business edition – Co-branded microsite with your CU logo on the home page and most every tax page – Cross-sell banners on microsite to promote your products and services – Sweepstakes participation Members will be automatically entered into the sweepstakes when they start their online return – Military edition offering special discounts to active duty and active reservists – Access to free marketing materials to help promote the program Email messaging Newsletter articles TurboTax banners for your website Lobby posters and take ones – Microsite tracking – Reporting

51. CU Participation Levels

52. Marketing Requirements Develop marketing strategies and define a marketing plan to communicate the TurboTax discount to your members – Promoter Level Marketing Requirements TurboTax program banner placed on credit union website home page above-the-fold during the period of January 10 th through April 15 th TurboTax program banner or text link placed on the online banking/home banking pages, above-the-fold, during the period of January 10 th through April 15 th Email Communication – Two dedicated TurboTax email messages sent to members on January 30 th and April 1 st Implement tax “keywords” into credit union site search function which direct members to the TurboTax banner or link on inner pages of credit union website Newsletter article placed in January newsletter providing details of the TurboTax Sweepstakes 52

53. Marketing Requirements Participant level marketing requirements – TurboTax program banner placed on credit union website home page above-the-fold during the period of January 10 th through April 15 th – TurboTax program banner or text link placed on the online banking/home banking pages, above-the-fold, during the period of January 10 th through April 15 th 53

54. GETTING STARTED 54

55. Visit your Dashboard in the Partner Center at LoveMyCreditUnion.org to enroll in the programs that can best help grow your credit union’s core products and services Enrollment options include: – All program bundle – Home bundle – Auto bundle – Invest In America bundle – Individual program enrollments Enroll

56. Marketing Plan Development Develop a marketing campaign to promote your credit union's core services and Love My Credit Union Rewards FREE marketing materials are available in the Partner Center that you can integrate into your credit union’s marketing plan and directly connect to your credit union’s products and services, such as: – Auto loan promotions – Back to school promotions – Home mortgage promotions – Credit card promotions – Holiday promotions – IRA and investment promotions during tax season tied to TurboTax 56

57. Communicate to your Members Communicate the program to your members using the FREE marketing materials available in the Partner Center at LoveMyCreditUnion.org Marketing requirements for each program bundle and individual programs are outlined on your Dashboard in the Partner Center at LoveMyCreditUnion.org 57

58. CONTACT INFORMATION 58

59. 59 National Business Consultants Curt Belaney (Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington D.C., West Virginia) 800.262.6285 x 543 Curt.Belaney@cusolutionsgroup.com Curt.Belaney@cusolutionsgroup.com Robert Bearden (California, Nevada, Oregon, Washington, Montana, North Dakota, South Dakota) 800.262.6285 x 751 Bob.Bearden@cusolutionsgroup.com Colleen Meek (Alaska, Arkansas, Arizona, Colorado, Idaho, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wyoming) 800.262.6285 x 530 Colleen.Meek@cusolutionsgroup.com Colleen.Meek@cusolutionsgroup.com Leslie Norush (Alabama, Florida, Georgia, Hawaii, Illinois, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Wisconsin) 800.262.6285 x 542 Leslie.Norush@cusolutionsgroup.com Leslie.Norush@cusolutionsgroup.com If you have any questions or need additional information, contact your National Business Consultant listed below or our client support staff at clientsupport@cusolutionsgroup.com