1. 1 Credit Union Auto Club Program Overview

2. 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 2

3. Plan Benefits Plan Benefits 3 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

4. Plan Pricing 4 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!

5. 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 5

6. Member Experience 6 * 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

7. LMCU Landing Page 7

8. Credit Union Auto Club Microsite 8

9. 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 9

10. Marketing Reimbursements 10 Enrolled credit unions are eligible to earn $5 - $9 per membership – The marketing reimbursement is paid annually – December of each calendar year – 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

11. Member Enrollment Tracking 11

12. Credit Union Enrollment 12 Credit union enrollment form is located in the Partner Center http://www.lovemycreditunion.org/Credit-Union-Enrollment-Forms-147.html http://www.lovemycreditunion.org/Credit-Union-Enrollment-Forms-147.html

13. Enrollment Overview Page 13

14. Credit Union Enrollment Form 14

15. Marketing Requirements 15 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!

16. Marketing Resources 16 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

17. 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 reimbursement funds with each membership purchase -- for a combined savings of between 20%-24% 17

18. Credit Union Auto Club Promotional Pricing 18 Buying your promotional memberships is an easy five step process: Log into the Love My Credit Union Rewards 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

19. Promotional Enrollment Portal 19

20. Peninsula Best Practice 20 Fall Newsletter

21. Money One Best Practice 21

22. Bethpage FCU 22

23. Summary Comprehensive roadside assistance benefits for your members – Unparalleled service, unprecedented value – “always here when you need us” Great promotional opportunity Credit unions to earn marketing reimbursements 23

24. Contact Information 24 Please contact your National Business Consultant with questions/feedback. Leslie NorushLeslie Norush, National Business Consultant (Alabama, Florida, Georgia, Hawaii, Illinois, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Wisconsin) 800.262.6285 x 542 Colleen MeekColleen Meek, Senior National Business Consultant (Alaska, Arkansas, Arizona, Colorado, Idaho, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wyoming) 800.262.6285 x 530 Curt BelaneyCurt Belaney, National Business Consultant (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 Bob BeardenBob Bearden, National Business Consultant (California, Nevada, Montana, North Dakota, South Dakota) 800.262.6285 x 751 Crissandra FryCrissandra Fry, National Business Consultant (Oregon, Washington) 800.262.6285 x 549 Inside Sales Jackie AdamsonJackie Adamson, National Business Consultant 800-262-6285 x 584 Gary SiegelGary Siegel, National Business Consultant 800-262-6285 x 586 Drew Cook CU Solutions Group Direct: 734-793-4273 Drew.Cook@cusolutionsgroup.com