Invest in America Membership Enhancement Program Overview

1. Invest in AmericaMembership EnhancementProgram Overview

2. Contents What is Invest in America Results Why it Works How it Works Opportunities for Credit Unions Big Ticket Items Financed by Credit Unions Exclusive Partnerships - Sprint Member Rewards Special Limited Time Promotions Program Offers Getting Started Contacts 2

3. What is Invest in America? • A membership enhancement program that offers credit union members discounts on products and services, provided by U.S. based companies • Utilizing the credit union’s ability to leverage their unique relationship with their members to market the offers • Generates opportunities for increased consumer loans, credit/debit card activity and member loyalty • Allows members to save thousands on products they purchase • Provides a stimulus to the economy and partner companies 3

4. IIA Results thru2/28/11

5. Why it Works • Credit Union demographics match IIA vision: • 70% of credit unions began as “occupational-based” credit unions • A great fit for the culture of value, trust and cooperative principals espoused by credit unions • Members trust their credit unions to provide: • Low-cost, high quality financial services • “Real” promotional offers, not gimmicks • Founded on the principal of “Made in America” • Credit unions and their members are rallying to the concept of Investing in America by supporting U.S. companies 5

6. How It Works We contract with U.S. based companies to offer exclusive discounts We market the programs directly to credit unions and to state leagues/league service corporations Credit unions select which programs they wish to promote We provide FREE turn-key marketing materials to supporting credit unions Members utilize the discounts, saving money and increasing the value placed on credit union membership 6

7. Value Proposition for Credit Unions We are proud to bring you a program that your credit union can participate in for free and offers exclusive discounts available only to credit union members. Invest in America is a unique program that both saves your members their hard earned money and helps your credit union: grow and retain members & drive member loyalty with IIA an exclusive credit union member rewards program generate more auto loans with GM Preferred pricing grow credit/debit card transaction volume with ShopAmerica and more than 1,200 merchants generate non-interest income with Sprint’s wireless services 7

8. IIA Membership Enhancement Programs • Credit unions choose from three separate programs which provide unique opportunities: • GM Preferred Pricing – provides opportunity 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 – All other Partner offers – provides opportunity to generate deeper loyalty and increased credit/debit card transactions • For complete details or to sign up visit: http://www.lovemycreditunion.org/Credit_Union_Sign_Up_Forms_147.html *Requires separate marketing agreement 8

9. Sprint Marketing Requirements • To participate in the Sprint program, credit unions agree to the following marketing requirements to exclusively promote Sprint and receive an annual incentive: • 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 • Get started now and join the over 1 million credit union members already saving with Sprint 9

10. Special Limited Time Promotions • GM – March Truck and SUV Promotion • Now through May 2, 2011 • Credit union members are able to stack up to $3,000 in savings on top of the credit union member preferred pricing discount. • Sprint – Through April 16 • Sprint Gives Credit – Provides members with service credits of $50 or $125 when switching from a competitor • Member Rewards • Spring Fever featuring Shop America and FTD • Visit marketing materials to access materials

11. Member Enhancement Program Offers Domestic Auto Member Rewards Exclusive Partnerships 11

12. Preferred Pricing – Members save thousands with Preferred Pricing on top of other Cash Back offers When combined with low credit union loan rates, the savings are even better! For complete details visit http://www.lovemycreditunion.org/GM_179.html GM Current Offer 12

13. AutoNation Direct Pre-Owned Vehicle Program – Florida Pilot • Pilot Offer for Florida Credit Union Members • Up front pricing with discounts up to 15% from publicly published prices • Thousands of pre-owned vehicles in stock • Certified pre-owned vehicles include a 135-point inspection, 3-day/150 mile (whichever comes first) money back guarantee and a 60-day Unlimited Millage Limited Powertrain Warranty • Expanding into Arizona, California, Nevada and Washington State in April 2011 • White Glove Service throughout the entire process • Online, over the phone or at the dealership • Shop without leaving home or office • Unbiased, expert information for members to make an educated purchase decision • Delivery at credit union or dealership (takes less than an hour) • Direct members back to credit union to arrange financing • Provide a positive Member experience • Improve the car shopping process 13

14. Sprint Current Offer 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 14

15. Sprint Gives Credit Promotion • Now through April 16, 2011 • Credit union members receive a service credit* for each newly activated line of service when they switch to Sprint • $125 per line credit for each Smartphone • $50 per line credit for feature phones • Above and beyond regular credit union member discount that includes: • 10% off select regularly priced monthly service plans (15% for businesses) • waived activation and upgrade fees. • Members could see hundreds of dollars in combined savings. • Visit the http://www.lovemycreditunion.org/Sprint_205.html for promotion details. *The credits will be applied to the first or second invoice following the 61st day after the eligible activation. All lines must come from an active wireless line at another carrier and remain active for the 61 days to receive full service credit. Visit LoveMyCreditUnion.org for details

16. Sprint/Best Buy Promotion • Partnering with Best Buy in the Northeast region to provide 10% off on accessories to credit union members – in store only • Piloted in Northeast region • CT, DE, MA, NH, NJ, NY, PA & RI - Offer good until May 31, 2011 • ValPac insert will reach over 7.3 million households • February - 6.9 million households • March – 440 thousand households • If successful, a national program will be considered 16

17. CMG/Members Auto & HomeInsurance • IIA partnered with CMG to provide Members Auto and Home insurance • Insurance underwritten by Liberty Mutual, valid in 49 states (Excludes Alaska) • Credit unions already partnered with CMG • Nothing changes, members simply have additional access point • Commissions on policies written thorough IIA will still earn the same commissions for Credit unions and Leagues • Credit unions not partnered with CMG • Sign up to make insurance available to your members via IIA • Commissions will not be paid to credit unions that do not have a contract with CMG • Provides a channel members prefer: 63% of insurance buyers look for internet access to quotes* • Members receive a discount of up to 10% • Generates additional not interest income for the credit union with no additional expense * To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify ***ComScore Auto Insurance Report, March, 2009 *** Discounts are not available in all states and discounts may vary by state. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union 17

18. Allied Van Lines • Nationwide Credit Union Member Discounts • Members receive corporate rates (minimum of 60% discount on inter-state moves) saving thousands from standard rates • Cross marketing opportunity - promote as an extra value along with DIRECTV and Members Auto and Homeowners insurance to members applying for mortgage loans • Credit unions encouraged to use marketing materials with approved mortgage applications • For complete details visit: http://www.lovemycreditunion.org/Allied_Van_Lines_358.html 18

19. Tax Services • IIA offers savings on different tax preparation and filing services directly and as part of the Shop America on-line mall • Cash back and savings of up to 30% • Members can file electronically and receive their returns in about two weeks • IIA tax services are a natural fit when discussing savings options with your members • Save your members money and grow deposits, it’s a win-win 19

20. CU Benefits Express • Bundled discounts on medical and lifestyle products and services • Discounts from 5% - 60% • Packages include: • For complete details visit: http://www.lovemycreditunion.org/CU_Benefits_Express_444.html 20

21. FTD.com • $15 discount on each item ordered: • Members encouraged to use their credit union credit/debit card • For complete details visit http://www.lovemycreditunion.org/FTD_391.html 21

22. DIRECTV • $100 discount for new activations as follows: • $60 discount by way of $5 off each month for the first twelve months (same as today) • $40 rebate that CU Growth Solutions will send to the member after receiving payment from DIRECTV • Provides more cash in members hand • Eliminates need for credit unions to identify member accounts to make deposit 22

23. Shop America • Savings from over 1,200 leading on-line merchants! • Members earn cash back for each purchase • Shop favorites such as Apple, DSW, Kohl’s and more! • Marketing materials available at http://www.lovemycreditunion.org/ShopAmerica_Marketing_Materials_588.html • Additional details can be found at: http://www.lovemycreditunion.org/Shop_America_600.html 23

24. Getting Started 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.htmlto sign up to support the IIA Big Ticket or Member Rewards program or obtain a Sprint Marketing Agreement Train staff and distribute frontline staff resource guide (e-mailed the first of every month to supporting credit unions) 24

25. Marketing Support • Promote the offers using materials available from the Marketing Materials section of the Partner Center including: • Web banners that link members to www.lovemycreditunion.org • Posters and statement inserts for your branches • Suggested members e-blast messages • Sample articles for your next newsletter • Review your sales online with your custom scorecard from the Partner Center 25

26. Robert Bearden (California, Nevada, Oregon, Washington) 800.262.6285 x 751 Bob.Bearden@cusolutionsgroup.com 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 543Curt.Belaney@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 530Colleen.Meek@cusolutionsgroup.com Leslie Norush(Alabama, Florida, Georgia, Hawaii, Illinois, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Wisconsin)800.262.6285 x 542Leslie.Norush@cusolutionsgroup.com National Business Consultants 26

27. IIA Program Contacts • Rhonda Peruski, Sprint Program Manager 800.262.6285 x 521Rhonda.Peruski@cusolutionsgroup.com • Jennifer Nakhleh, Sprint Coordinator • 800.262.6285 x 396 • Jennifer.Nakhleh@cusolutionsgroup.com • Gary Siegel, National Business Consultant, Inside Sales • 800.262.6285 x 586 • Gary.Siegel@cusolutionsgroup.com • Jaclyn Adamson,National Business Consultant, Inside Sales • 800.262.6285 x 584 • Jackie.Adamson@cusolutionsgroup.com • Lisa Rizk, VP Membership Enhancements & National Sales800.262.6285 x 539Lisa.Robinson@cusolutionsgroup.com • Drew Cook, Director, Invest in America 800.262.6285 x 273Drew.Cook@cusolutionsgroup.com • Alan Babcock, Director of Membership Enhancement Programs800.262.6285 x 252Alan.Babcock@cusolutionsgroup.com • Nancy Sawicki, Sales and Marketing Assistant800.262.6285 x 534Nancy.Sawicki@cusolutionsgroup.com 27