1. GM Premium Program Real Time Loan Leads

2. Agenda Goal Program Success Premium Program Overview Real Time Loan Leads Free Program Tools Credit Union Integration How to Enroll Contact information Q&A 2

3. Goal 3

4. Goal Drive Loans to Credit Unions! 4

5. Program Success 5

6. Credit Unions Program Support Continues to Grow! LMCU Rewards Participation20112012Through 5/31/14 LMCU Rewards Overall3,3143,4003,569 Auto2,6172,7722,874 Sprint1,5601,8061,905 Love to Shop2,5472,6022,617 TurboTax9551,1421,364 Credit Union Auto ClubN/A 319 Over 3,500 credit unions support one or more LMCU Rewards programs! 6

7. Credit Unions Sales (thru 5-31-14) Member Savings (thru 5-31-14) Total Sales3,711,711Total Savings> $908 million Sprint Activations1,200,528Sprint Savings> $370 million Auto Sales648,857Auto Savings> $529million Turbo Tax Returns1,862326TurboTax Savings> $9.6 million Credit Union Auto Loans (thru 5-31-14) Auto Loans Funded> 327,000Auto Loan Value> $7.2 billion 7

8. Credit Union VPP Performance PROGRAM 2012 CYTD SALES % OF GM RETAIL 2013 CYTD SALES % OF GM RETAIL Credit Union Launched 1/09 58,5613.0%70,9983.4% SOURCE: Everest owner database Credit Union 83.6% Conquest Top Sellers Sales by Model

9. Program/Industry Highlights May was best sales month since 2009 – sales up 44%! Chevrolet, Buick, GMC sold 2.6 Million vehicles in 2013 2014 U.S. industry forecast by NADA to be 16.4 million Enhanced Bigger, Better, Simpler program launched in October 2013 More loans written by credit unions! 9

10. GM Premium Highlights 171 Premium credit union enrollments since September launch bringing total to 549! Nearly 30% increase in year over year GM sales since loan lead launch! Premium CUs sales as a percent of members perform better than Standard CUs Focus will be signing up or upgrading credit unions to the GM Premium Level Standard level is no longer offered 10

11. Award Winning Program 11 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 Love My Credit Union Rewards’ efforts, the outcome is so overwhelming, it’s hard to grasp or comprehend all its immensity.” - Watch Award video filmed by CUNA about LMCU Rewards – LMCU Rewards VideoLMCU Rewards Video Source - National Credit Union FoundationNational Credit Union Foundation

12. Premium Program Overview 12

13. Credit Union Member Discount from GM 13 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

14. Enhanced Program 14 October 2013 launch

15. Bigger Simpler Better 15 New Credit Union Member Discount from GM Program MakeModelMSRPOld Price Enhanced Price Total Discount % MSRP Discount Memo: Additional Savings Chevrolet2014 Camaro 1LT Coupe $ 31,125 $ 30,061 $ 29,720 $ 1,4054.5% $ 341 2014 Cruze 2LT $ 23,745 $ 23,213 $ 22,943 $ 8023.4% $ 270 2014 Equinox 2LT FWD $ 29,630 $ 28,606 $ 28,281 $ 1,3494.6% $ 325 2014 Impala 2LT $ 30,760 $ 29,910 $ 29,562 $ 1,1983.9% $ 348 2014 Malibu 1LT $ 26,125 $ 25,290 $ 25,002 $ 1,1234.3% $ 288 2014 Silverado 1500 Crew Cab LT 4WD $ 41,950 $ 39,500 $ 39,077 $ 2,8736.8% $ 423 2014 Sonic LTZ $ 20,910 $ 20,229 $ 20,003 $ 9074.3% $ 226 2014 Spark 2LT $ 17,350 $ 17,023 $ 16,828 $ 5223.0% $ 195 2014 Suburban LTZ 4WD $ 65,245 $ 61,345 $ 60,680 $ 4,5657.0% $ 665 2014 Tahoe LTZ 4WD $ 64,685 $ 60,741 $ 60,085 $ 4,6007.1% $ 656 2014 Traverse 1LT AWD $ 37,710 $ 36,378 $ 35,961 $ 1,7494.6% $ 417 2014 Volt $ 39,715 $ 38,375 $ 37,931 $ 1,7844.5% $ 444 Buick2014 Enclave Leather AWD $ 48,445 $ 46,579 $ 46,045 $ 2,4005.0% $ 534 2014 Encore FWD $ 25,085 $ 24,575 $ 24,289 $ 7963.2% $ 286 2014 LaCrosse Leather AWD $ 42,460 $ 41,184 $ 40,703 $ 1,7574.1% $ 481 2014 Regal Turbo Premium 1 $ 32,485 $ 31,747 $ 31,373 $ 1,1123.4% $ 374 2014 Verano Leather $ 29,360 $ 28,602 $ 28,270 $ 1,0903.7% $ 332 GMC2014 Acadia SLT-1 AWD $ 46,730 $ 44,862 $ 44,351 $ 2,3795.1% $ 511 2014 Sierra 1500 Crew Cab SLE 4WD $ 44,350 $ 41,744 $ 41,297 $ 3,0536.9% $ 447 2014 Terrain SLE-2 FWD $ 32,225 $ 30,940 $ 30,593 $ 1,6325.1% $ 347 2014 Yukon Denali AWD $ 65,225 $ 61,323 $ 60,658 $ 4,5677.0% $ 665 2014 Yukon XL Denali AWD $ 67,940 $ 63,878 $ 63,185 $ 4,7557.0% $ 693 Program Averages $ 39,239 $ 37,550 $ 37,129 $ 2,1105.4% $ 421

16. GM Premium Level Benefits 16 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

17. GM Premium Marketing Requirements 17 Marketing Requirements for Individual Enrollment (Jan – Dec) Complete two: Include in quarterly statement inserts/Onsert/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 one GM web banners or links on website home page, loan page, member benefit page within 30 days of enrollment and ongoing thereafter

18. Real Time Loan Leads 18

19. How it Works Credit unions integrate the Credit Union Member Discount from GM into their marketing and auto lending programs Credit unions manage their members and control the deal – The loan is the credit unions to own and requires proactive member engagement – Auto financing is a big profit center for dealers 19

20. 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 20

21. Real-Time Auto Email 21

22. Free Program Tools 22

23. Real Time Contacts Provide accurate contact information for loan leads! 23

24. Loan Link Credit unions can now easily provide their loan link to LMCU Rewards! –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 24

25. Marketing Resources 25 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

26. GM Premium – Custom Insert 26 Variable Fields Credit union name Credit union URL to direct members where to apply for loans Credit union logo Loan rate Web disclaimer

27. Best Practices 27 Navigant CU - RI

28. Credit Union Integration 28

29. Credit Union Integration 29 Prominently display the GM marketing materials in your lobbies Utilize custom statement inserts/take ones Prominently display the custom size GM web banners that links to the GM member discount page Publish a GM discount article in credit union’s newsletter/e-newsletter Use the poster or customized take one and incorporate into your new membership packets and SEG communications Email your credit union members raising awareness of the GM discount Develop a process with your indirect lending activity

30. How Members Generate Authorization Number 30

31. New Look for GM Microsite 31 Members create an account Members generate their authorization number Same URL: www.mygmdiscount.com

32. Create Account – Step 1 32

33. Create Account – Step 2 33

34. Create Account – Step 3 34

35. Generate Authorization Number 35 Member uses their user name and password provided by GM to complete the authorization number request process.

36. How to Enroll 36

37. Partner Center Home Page 37 http://www.lovemycreditunion.org/Partner-Center-145.html

38. GM Enrollment 38

39. Revised Enrollment Form 39

40. Contact Information 40

41. Contact Information 41 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

42. Q & A 42