1. INVEST IN AMERICA MEMBERSHIP ENHANCEMENT SOLUTIONS OVERVIEW

2. Value Proposition How it Works Membership Enhancement Programs Impact – Its Working IIA Offers – Grow Loans, Generate Income, Increase Value of membership & Transaction Volume Best Practices Integrating IIA into your Core Services

3. Credit unions can improve membership value and their bottom line with Invest in America, by linking exclusive discounts to their core services – Increase auto loans – increase auto loans and member loyalty through Credit Union Member Discount from GM – Earn non-interest income - income opportunities through the Sprint* Credit Union Member Discount and Member Connect* – Increase debit/credit card usage – by offering Member Rewards discounts from TurboTax, Shop America and other Member Rewards partners * Requires separate marketing agreements

4. 2009 CU Journal’s Innovation of the Year Award 2012 NCUF Herb Wegner Memorial Award for Outstanding Program

5. Credit unions integrate the various discounts into their value-proposition and connect/promote them with their core services to increase volume and the value of membership. Examples: – GM Discounts  Auto Loans – Shop America  Credit and Debit Cards – Sprint  Membership enhancement & revenue to support cu initiatives

6. Credit unions choose to support various offers based on their needs or goals: – Big Ticket - GM Preferred Pricing / Auto Nation Direct – provide opportunities to generate deeper loyalty and additional auto loans – Sprint Wireless Services* – Personal and business wireless provides opportunity to earn additional non-interest income – Member Rewards – Provides opportunity to generate deeper 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 * Requires separate marketing agreement

7. 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

8. MetricProgram to Date (Dec 08 – Dec 11) League Participation46 # Supporting Credit Unions3,330 % of CU membership80% # of CU members72,172,305 # Vehicle Sales492,603 # Sprint Supporting CUs1,572 # Sprint Activations1,373,987 $ CU Members saved on AutosOver $335 million $ CU Members saved on SprintMore than $165 million

10. Preferred Pricing on GM vehicles to help drive loans CU loan links on GM discount microsite Generated over 490,000 sales since inception Promote greater member savings with your low loan rates on top of the GM discount Enhance value of membership

11. 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

12. Special Promotions GM Private Offer – Ran for 2 months 11/2/10 – 1/3/11 – Member incentive of $1,000 – Stackable on: Credit Union Member Discount Other Public Incentives AND Employee Pricing.

13. Chevrolet Silverado 1500 LT Extended Cab 2WD 0% for 60- Month Dealer Financing 3.9% for 60-Month Credit Union Financing Vehicle Price $31,615 Down Payment $2,000 Consumer Cash $0$4,500 Invest in America Discount $1,672 Loan Amount $27,943$23,443 Monthly Payment $466$426 Total Savings From Financing at Your Credit Union: $2,400 Help your members do the math! Dealer financing offers are generally in lieu of consumer cash incentives The table to the right, from CUNA’s daily rate comparison from 1/24/12 (http://www.creditunion.coop/ratedex.php), has the average CU rate for a 60 month new car loan at 3.44%http://www.creditunion.coop/ratedex.php The Silverado example, at right, shows your members can either get 0% for 60 financing or a consumer cash incentive of $4,500. By using the consumer cash incentive combined with credit union financing (in this case at 3.5%) your members save $40 each month or $2,400 over the life of the loan Additionally, research conducted by GM, shows credit union members value the Credit Union Member Discount above other incentives such as $1,000 gas cards, $500 bonus cash and a free two year satellite radio subscription Combining the ability to overcome low rate dealer financing with the value members put on the Credit Union Member Discount, and you have a very powerful offer Your challenge is to get in front of your members and help them do the math before they visit a dealer

14. 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

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

16. 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

17. Member Discounts – 10% off most regularly priced service plans – Waived activation fee on new accounts – Waived upgrade fees Business Discounts – 15% discount on most corporate recurring charges – Waived activation (new accounts) and upgrade fees – Equipment discounts – 20% off accessories

18. Contract Year = October 1 of each year – September 30 of the following year Place a Sprint insert in one quarterly mailing per year Display Sprint take ones and posters in credit union lobbies Publish approved Sprint articles in 2 quarterly newsletters Place Sprint web banner on credit union web site All Marketing materials are provided FREE of charge! Get started now and join over 1,500 credit unions already supporting the Sprint CU Member Discount Program!

19. Poster Take-One Web Banners

21. 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

22. 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

23. 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

24. 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

25. 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

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

27. 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

28. 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

29. 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.

30. 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_1 47.html to sign up to support the IIA Big Ticket or Member Rewards program or obtain a Sprint Marketing Agreement http://www.lovemycreditunion.org/Credit_Union_Sign_Up_Forms_1 47.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 materials to inform your member

31. 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