1. INVEST IN AMERICA MEMBERSHIP ENHANCEMENT SOLUTIONS OVERVIEW

2. Value Proposition Membership Enhancement Programs Impact – Its Working IIA Offers – Grow Loans, Generate Income, Increase Value of Membership & Credit/Debit Card Transaction Volume Best Practices Integrating IIA into your Core Services

3. 2009 CU Journal’s Innovation of the Year Award 2012 NCUF Herb Wegner Memorial Award for Outstanding Program

4. IIA provides tools to help meet your credit union’s goals. Simply choose the offers that relate to your goals and promote them in conjunction with your core services: – Increase auto loans – Credit Union Member Discount from GM* and AutoNation Direct – Earn non-interest income - Sprint Credit Union Member Discount* and Member Connect** – Increase debit/credit card usage – TurboTax* and Member Rewards* offers including Dell, Shop America, FTD, DIRECTV and Member Connect – Enhance member value – GM, Sprint, TurboTax, Member Connect, Dell, DIRECTV, Shop America, FTD and Allied Van Lines * Requires specific IIA marketing agreement **Requires agreement with CMG to earn income

5. Enroll in the IIA membership enhancement program to support your needs or goals: – Auto Program - GM Preferred Pricing / Auto Nation Direct – Generates deeper loyalty and additional auto loans – Sprint Wireless Services – Personal and business wireless discounts creates deeper loyalty and provides additional non-interest income – TurboTax & Jackson Hewitt - Generates deeper loyalty and increased credit/debit card transactions – Member Rewards – Increases member loyalty and increased credit/debit card transactions with discounts from Shop America, TurboTax*, Dell, Member Connect*, DIRECTV, FTD and more For complete details or to sign up visit: http://www.lovemycreditunion.org/Credit_Union_Sign_Up_Forms_147.html http://www.lovemycreditunion.org/Credit_Union_Sign_Up_Forms_147.html * Income opportunity requires agreement with CMG

6. Partner Center provides credit union related information Credit Union Finder so potential members can find you Tips and tools to help members save money Consumer information on credit union differentiation Rotating banners regarding current offers Access via social media sites Member testimonials about why they love their credit union

7. MetricProgram to Date (Dec 08 – Mar 12) League Participation46 # Supporting Credit Unions3,373 % of CU membership80% # of CU members72,738,491 # Vehicle Sales467,874 # Sprint Supporting CUs1,677 # Sprint Activations1,386,791 $ CU Members saved on AutosOver $350 million $ CU Members saved on SprintMore than $179 million

9. Enhanced Program Enhanced Program Will Drive Increased Loan Volume! Two levels of the GM program will be offered beginning 6/15/12: Standard Package Credit union actively supports the GM program at a base level utilizing CUSG turnkey, self-service marketing resources Preferred Pricing Not compatible with GM subvented rate financing CUSG provides turnkey marketing materials and resources Base-level marketing requirements for CUs Premium Package Credit unions committed to marketing the GM program at a high-level receive all the benefits of the Standard Package plus Employee Pricing for credit union employees who own non-GM make vehicles and custom co-branded marketing materials.

10. Participation Level Comparison Program Offer BenefitsPremiumStandard Preferred Pricing XX Not compatible with GM subvented rate financing XX Employee pricing for credit union employees who own a non-GM make vehicle X Custom inserts/take ones X General inserts/take ones XX General lobby posters XX Custom web banners X General web banners XX

11. Participation Level Comparison Program Offer (con’t) BenefitsPremiumStandard Email services from CUSG XX E-statement creative XX Newsletter articles and email messages copy XX Email templates XX Website and social media content XX Weekly emails of in-market members XX Loan links on GM microsite XX Access to GM special offers X Occasional GM email marketing services X

12. Participation Level Comparison Annual Marketing Requirements (Jan – Dec) Dec) PremiumStandard Complete any combination of two (one within first 6 months of enrollment and both annually thereafter): Include in quarterly statement inserts/E-statements A direct mail/loan promotion piece Conduct GM email marketing campaign Complete one (within first 6 months of enrollment and annually thereafter): Include in quarterly statement inserts/E-statements A direct mail/loan promotion piece Conduct GM email marketing campaign Complete all: Promote through newsletter/website articles within first 6 months of enrollment and annually thereafter Utilize lobby materials within 60 days of enrollment and ongoing thereafter – take ones, posters Place GM web banners or links on website home page and loan page within 30 days of enrollment and ongoing thereafter Include consumer overview piece in Human Resources new hire and employer group packets within 60 days of enrollment and ongoing thereafter Complete all: Promote through newsletter/website articles within first 6 months of enrollment and annually thereafter Utilize lobby materials within 60 days of enrollment and ongoing thereafter – take ones, posters Place GM web banners or links on website home page and loan page within 30 days of enrollment and ongoing thereafter

13. Program Summary PremiumStandard Credit Union Benefits Preferred Pricing Not compatible with GM subvented rate financing Employee pricing for credit union employees who own a non-GM make vehicle Custom and general inserts/take ones Custom and general web banners Access to GM special offers Occasional GM email marketing services Lobby posters Email services from CUSG E-statement creative Newsletter articles and email messages copy Email templates Website and social media content Weekly emails of in-market members Loan links on GM microsite Preferred Pricing Not compatible with GM subvented rate financing General inserts/take ones General web banners Lobby posters Email services from CUSG E-statement creative Newsletter articles and email messages Email templates Website and social media content Weekly emails of in-market members Loan links on GM microsite Credit Union Annual Marketing Requirements (January – December) Complete any combination of two (one within first 6 months of enrollment and both annually thereafter): Include in quarterly statement inserts/E-statements A direct mail/loan promotion piece Conduct GM email marketing campaign Complete all (annually or ongoing thereafter): Promote through newsletter/website articles within first 6 months of enrollment Utilize lobby materials within 60 days of enrollment Place GM web banners or links on website home page and loan page within 30 days of enrollment Include consumer overview piece in Human Resources new hire and employer group packets within 60 days of enrollment Complete one (within first 6 months of enrollment) and annually thereafter): Include in quarterly statement inserts/E- statements A direct mail/loan promotion piece Conduct GM email marketing campaign Complete all (annually or ongoing thereafter): Promote through newsletter/website articles within first 6 months of enrollment Utilize lobby materials within 60 days of enrollment Place GM web banners or links on website home page and loan page within 30 days of enrollment

14. Launch Timeline Date Activity Jan 18, 2012  Program enhancements announced to Leagues Late Feb 2012  Program Overview posted in Partner Center March 1, 2012  Credit unions advised via email that program enrollments are ready to be accepted  Enrollment form posted in Partner Center March 8, 2012  Program enhancements announced to CUs via IIA Newsletter March –June 15, 2012  All CUs remain eligible for Preferred Pricing  CUs that enroll for revised program eligible for benefits June 15, 2012  Last day for CUS that have not enrolled to receive Preferred Pricing  All credit unions must enroll at either the Standard or Premium level to receive benefits including Preferred Pricing June 16, 2012 and moving forward  Only enrolled CUs eligible for benefits  Systems updated to recognize all enrolled credit unions  Credit union enrollment continues  Once a credit union enrolls, they are eligible for benefits All credit unions must enroll at either the Standard or Premium level to receive benefits including Preferred Pricing by June 15, 2012

15. Credit Union Loan links on GM micro-sites: IIA is currently collecting credit union loan page links to add to our micro sites: – Easy access to your loan app or loan page – Drive more auto loans to your credit union and extend GM Preferred Pricing to your members Find a Credit Union tab added below Find a Dealer GM Credit Union Micro Site

16. Report s located on Partner Center and are exportable to Excel for easy use GM authorization request report identifies members that requested a code from GM – Includes street and e-mail addresses Hot leads you can use to follow up with members! Additional reports identify sales for Member Rewards Program Credit UnionFirst NameLast NameAddressCityStateZipEmailRegistration Date Status Sample Credit UnionGeorgeSmith39832 Spacely DrNoviMI48188CUMember@YAHOO.COM3/19/2011Requested Sample Credit UnionJaneJones25797 CoggswellSouthfieldMI48178CUMember@ATT.NET3/18/2011Requested Sample Credit UnionJudyO'Hara45090 Rosy LaneFarmingtonMI48170CUMember@HOTMAIL.COM3/16/2011Submitted Sample Credit UnionElroyReed8203 Astro DrWayneMI48185CUMember@COMCAST.NET3/12/2011Requested

17. 3.9% for 60 Months Subvented Financing*: 2.49% for 60 Months Credit Union Financing**: MSRP: $31,400 Down Payment: $2,000 Consumer Cash: $0Consumer Cash: $2,000 Invest in America Discount 0 Invest in America Discount $1,659 Loan Amount: $29,400Loan Amount: $25,741 Monthly Payment: $540Monthly Payment: $457 Total Savings From Financing at Your Credit Union: $4,980 The Credit Union Member Discount from GM is no longer compatible with subvented rates such as 0%, 1.9%, 2.9%, etc. that have been bought down and offered through captive finance sources Members will be encouraged to use low-rate credit union financing in conjunction with cash incentives resulting in very competitive monthly payments. Example at right: 2012 Chevrolet Silverado 1500 LT Extended Cab 2WD Member receives $2,000 total cash allowance in lieu of the lowest subvented rate- 3.9% for 60 months for qualified customers $2,000 down payment from member *Chevrolet Silverado lowest subvented rate as of January 5, 2012 ** Published rate from a credit union website as of January 5, 2012

18. Exclusive/special incentives that help drive membership value and income for you

19. 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, web site and in-branch distribution Unique offers available only from Sprint Sprint handles all member service needs Opportunities to work with local Sprint stores to support community businesses

20. Member Discounts – 10%* off select regularly priced service plans – Waived activation fee – Waived upgrade fees Business Discounts – 15%* off select regularly priced business service plans – Waived activation (new accounts) and upgrade fees * 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.

21. Contract Year = October 1 of each year – September 30 of the following year Place a Sprint insert in one quarterly mailing per year Continuously display any of the following lobby materials in all branch locations: – Take-ones – Posters – Lobby banner – Monitor video Publish approved Sprint articles in 2 quarterly newsletters Continuously display approved web banner/link on CU website All Marketing materials are provided FREE of charge! Get started now and join over 1,600 credit unions already supporting the Sprint CU Member Discount Program!

22. Poster Take-One Web Banners

24. 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 directly 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 website due to discount Increase Assets: 82% of CUSG credit union members directly deposited their tax refund with the credit union offering TurboTax to them. Cross-Sell Products & Services: Drive traffic your website to increase awareness about your other products and services

25. PartnerPremiumStandard Member Offer 15% All Federal Products 10% Federal Deluxe Credit Union Requirements Send two or more dedicated TurboTax emails to members (early January and mid March) TurboTax banner above-the-fold on your homepage (December – April) TurboTax banner or Text Link above –the-fold on on-line banking page(s) (December – April) TurboTax banner above-the-fold on your homepage (December – April) TurboTax banner or Text Link above – the-fold on on-line banking page(s) (December – April) Sweepstakes Participation Enroll at the Promoter Level Send at least 1 email by 1/26/12 with a link to the co-branded sweepstakes microsite Place a sweepstakes banner & link to the sweepstakes cobranded microsite above-the fold on the home page of the CUs web site & OLB home page or account summary page from 1/5/12 – 2/21/12 Include sweepstakes messaging on an insert/e-statement or newsletter by 1/26/12 NA

26. Standard Size and Custom Web Banners HTML E-mail Templates Free Lobby Posters and Co-Branded Statement Inserts Shipped to Your Mailing House Co-Branded TurboTax Website with Your CU Logo and a Cross-Sell Banner 15% Discount on All Federal Products Members who start a TurboTax return will be entered into a sweepstakes

27. Provide discounted tax prep services to the 60% of your members that prefer to file their taxes with a local tax professional Premium CU member instant discount: $30.00 Off CUSG provides free, co-branded printed coupons to include in your December or January statements. JH provides national coverage: Over 6,000 tax preparation offices during tax season Convenient office locations near the vast majority of your members Unlike other tax prep franchises, JH doesn’t use tax prep as a tool to acquire customers from Financial Institutions FREE Accuracy Guarantee* with every paid return No appointment necessary FREE Refund Estimate * Terms and conditions apply. Ask a tax preparer for details. Over 300 credit unions partnered with CUTS last year to offer Jackson Hewitt

28. 1.CUSG funds and provides all marketing collateral: Coupons, statement stuffers, newsletter articles, email templates 2.Your credit union promotes JH offering to members 3.Your members receive a hard copy coupon via statement stuffer, in-branch and/or printing a website pdf 4.Your members redeem the coupon at Jackson Hewitt office and receive an instant $30 discount 5.JH/CUSG track all JH coupon redemptions and provide report at the end of tax season Sample Co-Branded Coupon

29. Incentives on every day items that help drive card usage and membership value – Shop America – Dell – Direct TV – FTD – Allied – Members Home & Auto

30. Free ready-to use marketing materials including: Customization and campaign execution services available Monthly newsletter Frontline Staff Resource Guide National program support Email blasts Newsletter articles Take Ones E-Statement Artwork On-hold Messages Statement Inserts Logos Posters Website banners

31. Prominently display the Invest in America program marketing materials in your lobbies - posters and take ones Prominently display the IIA web banner that links to www.LoveMyCreditUnion.org, on the home page of the credit union’s website Publish quarterly IIA article in credit union’s newsletter Use the poster as a flyer in your new membership packets and SEG communications Send the emails created by Invest in America to your credit union members who have opted in to receive communications from you

32. Create an internal page on your website which lists out in detail all the credit union member discounts available Create a web banner on your homepage which links to that page for easy navigation Use the videos created by CU Solutions Group in your digital displays to encourage members to learn more about Invest in America Promote Invest in America on your outdoor electric signs, drive thru wraps and ATMs Place ads in your local paper and local news websites Include discounts in your credit union’s Member Rewards Program Promote Invest in America on your most visited website pages

33. Recommend steps for getting started: Select the IIA programs that fits your credit union’s goals and objectives Visit http://www.lovemycreditunion.org/Credit-Union-Sign-Up-Forms-147.html to sign up to support the IIA Auto, Sprint, Member Rewards or TurboTax programs or obtain a Sprint or Marketing Agreement http://www.lovemycreditunion.org/Credit-Union-Sign-Up-Forms-147.html Train staff and distribute frontline staff resource guide (e-mailed the first of every month to supporting credit unions) Provide Invest in America with a link to your loan application page to make that available from the GM credit union micro site Utilize available marketing materials to inform your members

34. 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) 800.262.6285 x 751 Bob.Bearden@cusolutionsgroup.com Colleen Meek (Alaska, Arkansas, Arizona, Colorado, Idaho, Indiana, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, North Dakota, Oklahoma, South Dakota, 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