1. COOPERATIVE INVESTMENTS: DRIVING A COMMUNITY TO BE OPPORTUNITY FOCUSED November 7, 2012 at the Frederik Meijer Gardens & Sculpture Park

2. ChrisButler David Wright DeanWilson DonMills JeffJorgensen VickieSchmitzer ScottMcFarland

3. òDeclared 2012 Patronage Dividends: $ 700,000 Standard Patronage Dividend $ 800,000 Bonus Patronage Dividend $1,500,000 Year #3 for a Bonus Patronage Dividend: is this becoming an annual tradition? òProjected Stock Dividend: 4.45% òProjected Increase in Stock Equity: 19%+ òProjected Stock Price: $180,000 per owner share 3 These are all projections and should be finalized by December based on our CPA’s work...then look for a check! THE BOARD’S INSTRUCTIONS TO OUR CPA FOR CLOSING THE YEAR

4. òIn August, the BOD approved the 2013 Business Plan and Budget This marked the end of our 2013 Planning Session, and now we’re on to executing the plan – our new year started 10/1/2012 òToday’s event is the first in our planning season for 2014 There are many more events planned for 2013, as part of our 2014 planning season – from our Board meetings to focus groups to all of our credit union education – it will be a full year òThe next major event is our Leadership Conference (June 18-20, 2013 – mark your calendars!) 4 We truly appreciate your participation, and respect your dedication in leading this cooperative...NOW ON TO 2013!

5. Morning (9:00-12:20) ò9:15 Introduction Cooperative Investments: Driving a Community to be Opportunity Focused (Randy Karnes) ò9:30 CU*Answers Innovator Investment & Grant Program: Your 2012 Finalists Presentations from our 4 finalists 10 minute break after each for group discussion and networking ò12:20 Lunch Submit your questions by 1:00!! Afternoon (1:15-3:00) ò1:15 II&G Program Wrap-up Update from one of our finalists from last year ò1:30 Q&A with Jack Antonini Insights on studying opportunities, fostering projects, and pushing investment in opportunity ò2:30 Wrap-Up 5 Now introducing today’s facilitator...Randy K

6. FILL OUT THE FORM AND GIVE TO DAWN BEFORE LUNCH

7. DRIVING A COMMUNITY TO BE OPPORTUNITY FOCUSED

8. OUR FINALISTS 8

9. òDavid Jezewski Community Star CU òAnnie Lepper  Superior Choice CUU òKevin Finneran Detroit Metropolitan CU òKristy Pelle Spokane Media FCU òJenny Bickel  Frankenmuth CU òChris Butler  Community CU òCharles Papenfus   Inland Valley FCU (2 ideas submitted) òRenee Maeder  Best Advantage CU (2 ideas submitted) òLisa Tohey Grand Rapids Family CU 9  = SEMI-FINALIST

10. Time IdeaPresented by 9:30Mobile Branch Charles Papenfus Inland Valley FCU 10:05Break / Group Discussion / Networking 10:25Field of Dreams Jenny Bickel Frankenmuth CU 11:00Break / Group Discussion / Networking 11:10Flix in the Sticks Renee Maeder Best Advantage CU 11:35Break / Group Discussion / Networking 11:45The Great Debt Pay Down Annie Lepper Superior Choice CU IN PRESENTATION ORDER (RANDOMLY PLACED) 10

11. Presentation and Q&A 35 minutes òEach finalist will have a total of 35 minutes to present his or her idea òIncludes time to field questions from the group (we’ll pass around the microphone) Determining the Winner(s) òBallot data collected today will be presented to the CU*Answers Board of Directors for consideration òThe Board will make its final decision and announce the awards no later than January 31, 2013 HERE’S HOW THE MORNING WILL GO... Group Discussions 10 minutes òBetween each finalist presentation, we’ll take a 10 minute break for refreshments òDiscuss the idea amongst yourselves...at your table or with any other group! 11

12. Is this a good business for the network to invest its money? If it’s not really a business per se, is it still a good idea? Something that is worthy of our financial support? Is this a repeatable business that could potentially be implemented in your community, by other credit unions or network partners? Thinking as a venture capitalist, would you invest your own money in this idea? 12 MARK YOUR BALLOT WHILE YOU LISTEN

13. REMEMBER TO SUBMIT YOUR QUESTIONS FOR JACK ANTONINI BEFORE YOU EAT!

14. TURN THEM IN TO ANY CU*ANSWERS STAFF PERSON BEFORE YOU LEAVE TODAY

15. 15 LET’S HEAR FROM ONE OF OUR WINNERS...