1. Invest in America Membership Enhancement Solutions Overview

2. Agenda 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. Award Winning Program!! 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 Invest in America’s efforts, the outcome is so overwhelming, it’s hard to grasp or comprehend all its immensity.” - Watch Award video filmed by CUNA about IIA – IIA Video Source - National Credit Union Foundation

4. IIA Value Proposition
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, DIRECTV and Member Connect
Enhance member value – GM, Sprint, TurboTax, Member Connect, Dell, DIRECTV, Shop America and Allied Van Lines
* Requires specific IIA marketing agreement
** Requires agreement with CMG to earn income

5. Membership Enhancement Programs
Enroll in the IIA membership enhancement program to support your needs or goals:
Auto Program - GM Preferred Pricing – 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 and more
For complete details or to sign up visit:
* Income opportunity requires agreement with CMG

6. Impact 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. Invest in America Results Through 2/28/14
Metric
Results
Supporting Credit Unions
3,638
Sprint
1,793
Auto
2,876
TurboTax
1,343
Activations/Sales/Returns
3,431,723
Sprint Activations
1,178,213
Auto Sales
614,656
TurboTax Returns
1,675,027
Member Savings
More Than $807 Million
Total Saved by Members through Sprint Program
Nearly $350 Million
Total Saved by Members through Auto Program
$470,000,000
Total Saved by Members through TurboTax Program
Nearly $9 Million
Auto Loans Closed
Nearly 311,000
Auto Loan Value
More Than $6.9 Billion
Lovemycreditunion.org Unique Visitors YTD/PTD
549,772 / 2,722,354

8. Grow Loans

9. New Program

10. New Program Savings

11. Transparent Pricing

12. Helping Credit Unions Grow Loans
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: Chevrolet Silverado 1500 LT Double Cab 2WD
Member receives $2,500 total cash allowance in lieu of the lowest subvented rate - 4.9% for 72 months for well qualified customers
$2,000 down payment from member
4.9% for 72 Months Subvented Financing*:
1.99% for 72 Months Credit Union Financing**:
MSRP: $34,880
Down Payment: $2,000
Consumer Cash: $1,500
Consumer Cash: $2,500
Invest in America Discount 0
Invest in America Discount $2,215
Loan Amount: $31,380
Loan Amount: $28,165
Monthly Payment: $504
Monthly Payment: $415
Total Savings From Financing at Your Credit Union: $5,340
*Chevrolet Silverado lowest subvented rate as of December 5, 2013
** Published rate from a credit union website as of December 5, 2013

13. Premium Benefits X Benefits Premium
Credit Union Member Discount from GM X
Real-time loan leads
Employee pricing for credit union employees who own a non-GM make vehicle
GM subvented rate financing not compatible with discount
Custom inserts/take ones
General inserts/take ones
General lobby posters
Custom size web banners
General web banners

14. Premium Benefits (con’t)
services from CUSG X
E-statement creative
Newsletter articles and messages copy
templates
Website and social media content
Weekly s of in-market members
Loan links on GM microsite
Access to occasional GM special offers
Occasional GM marketing services

15. Auto Loan Leads and Member Loyalty is Simple for Credit Unions
Instant Loan Leads
Auto Loan Leads and Member Loyalty is Simple for Credit Unions
Credit unions sign up or upgrade to the Premium Level for the Credit Union Member Discount from GM
Members save when shopping a wide selection of eligible new Chevrolet, Buick or GMC vehicles
Credit unions receive instant notification of their member’s request to the department or individual of their choice
Credit unions funnel auto loan leads through an internal sales program—whether it be an outbound call center or from a representative at a branch
Process the loan application or direct members online to complete an application

16. Instant Notification to Credit Unions
Real-Time Auto
Instant Notification to Credit Unions

17. Custom Statement Insert
Variable Fields
Credit union name
Credit union logo
Loan rate
Credit union URL to direct members where to apply for loans
Web disclaimer

18. Loan Link Credit unions can now easily provide their loan link to IIA!
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

19. Hot leads you can use to follow up with members!
Available Reports
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 addresses
Hot leads you can use to follow up with members!
Additional reports identify sales for Member Rewards Program
Credit Union
First Name
Last Name
Address
City
State
Zip
Registration Date
Status
Sample Credit Union
George
Smith
39832 Spacely Dr
Novi MI
48188
3/19/2011
Requested
Jane
Jones
25797 Coggswell
Southfield
48178
3/18/2011
Judy
O'Hara
45090 Rosy Lane
Farmington
48170
3/16/2011
Submitted
Elroy
Reed
8203 Astro Dr
Wayne
48185
3/12/2011

20. Annual Marketing Requirements
Premium Level (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 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

21. Enroll in Premium – Step #1 #1

22. Enroll in Premium – Step #2 & #3

23. Enroll in Premium – Step #4
Click the Premium Level button and accept terms and conditions on the bottom of the form then click on submit

24. Premium Program Will Drive Increased Loan Volume!
The Invest in America Credit Union Member Discount from GM has been enhanced to drive more loans to your credit union. By enrolling at the Premium Level, credit unions can maximize loans while offering this valuable discount and benefit of membership to their members.
Real-time loan leads to enable you to quickly engage your in-market members
GM Employee Pricing for credit union employees owning a non-GM vehicle
Free custom marketing materials are available to help your credit union optimize program results and increase auto loans
Subvented-rate loans are not compatible with the Credit Union Member Discount from GM, driving loans back to the credit union
For a complete list of FAQ’s go to:

26. What is the Credit Union Auto Club?
The newest Invest in America program created exclusively for credit union members
Provides unparalleled service and unprecedented value in roadside assistance and other travel-related benefits
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
Professional customer service team 24/7 to assist members
Credit Union Auto Club is backed by Auto Knight Motor Club, a wholly-owned company of Fortegra Financial. Fortegra Financial is a NYSE listed, A.M. Best "A-" rated insurance company, headquartered in Jacksonville, FL. Its Motor Clubs have a 40-year unblemished record of service delivery and claims payments. The “Always On” CU Auto Club emergency dispatch center is wholly owned and operated by Auto Knight Motor Club.
Credit unions are eligible to receive marketing reimbursements when members purchase memberships in Credit Union Auto Club

27. INCLUDED – SIGN AND DRIVE
Plan Benefits
Service
Description
Benefit
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 town range or up to maximum benefit.
Emergency Lockout
Serviceperson or locksmith service call to open locked vehicle
Emergency Ambulance Service
Ambulance fees to transport member from vehicle accident to hospital
Up to $ benefit
Reimbursed expense
Flat Tire Repair
Flat tire repair expense
Up to $15.00 benefit
Fuel Delivery Service
Delivery of fuel to member’s vehicle, fuel charges apply
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 Defense
Fees paid to your attorney to defend you in court on traffic ticket
$100.00
Legal Fees
Fees paid to your attorney to collect for damage and/or personal injuries sustained by you in a car accident

28. Plan Pricing & Marketing Reimbursement
Credit unions are eligible to earn $5 - $9* per membership during the pilot program
The marketing reimbursement is paid annually
Credit unions must enroll in the program to receive marketing reimbursement
Credit union enrollment form is located in the Partner Center at on the Love My Credit Union website
Access to FREE turnkey marketing materials to promote the program to members
The program can also be used as a value add offering when closing auto loans, and as an incentive to your members for using other core products and services
*Current plan pricing and marketing reimbursements are for the pilot program. Final plan pricing and marketing reimbursement is subject to change based on results and market intelligence obtained during pilot program.

29. Credit Union Marketing Requirements
Credit unions that enroll and actively market the program to their members will be eligible to receive marketing reimbursements
Member Communications Complete one of the member communications items listed below each quarter for four quarters within a 12 month period and ongoing quarterly thereafter: 
Utilize the following marketing materials within 30 days of enrollment and ongoing thereafter:
Place banner or link on website within 30 days of enrollment and ongoing thereafter
Suggested locations: Auto loan page, discount page, insurance page, etc.
Utilize lobby materials within 30 days of enrollment and ongoing thereafter
Take ones, lobby posters, digital, video

31. Credit Union Benefits
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, newsletters, Website and lobby distribution
Unique offers available from Sprint for members
Sprint handles all member service needs
Opportunities to work with local Sprint stores to support community businesses

32. Sprint Offer Member Discounts Business Discounts
10%* off select regularly priced Sprint monthly service
Waived activation fee on new accounts (up to $36 savings)
Waived upgrade fees (up to $36 savings)
Business Discounts
15%* off select regularly priced Sprint monthly service
Waived upgrade fees ( up to $36 savings)
*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.

33. Marketing Requirements
Contract Year = October 1 of each year through September 30 of the following year
Promote Sprint service on an exclusive basis
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, banners, monitor video
Publish approved Sprint articles in 2 quarterly newsletters per Contract Year
Continuously display approved Web banner/link on credit union Website
All Marketing materials are provided FREE of charge!
Get started now and join the 1,900 credit unions participating the Sprint Credit Union Member Discount Program! There are nearly 1.2 million subscribers already and members have saved more than $320 million!

34. Marketing Materials
Take-One
Posters
Web Banners

35. Marketing Incentive Calculation
The Incentive Pool is created from revenues earned during the Contract Year.
Credit unions are paid the percentage of the incentive pool that is equal to their percentage of the total audience of members being marketed to nationally.
Sample:
Credit Union Incentive Pool = $2,000,000
Total members being marketed to (from Promotion Agreements/NCUA reports) = 5,000,000
ABC CU members in pool = 50,000
50,000/5,000,000 = 1%
$2,000,000 X 1% = $20,000
ABC CU Marketing Incentive = $20,000
Marketing Schedule
NEW participating credit unions in their 1st Contract Year will receive incentives based on first insert mailing.
First Quarterly Insert Distribution = % of incentive:
October ’13 = 100%
January ’14 = 75%
April ’14 = 50%
July ’14 = 25%
In following Contract Years, assuming all requirements are fulfilled, participating credit unions will receive 100% regardless of what month they do their quarterly statement mailing.
Program year is October 1st – September 30th. Marketing Incentives are paid out in December.

36. Sprint Verification Process
To ensure the continued integrity of this program, members must periodically provide documentation to verify credit union membership = eligibility of the program discount.
New customers are required to verify credit union membership within 30 days of activation
Current customers are required to provide proof of discount eligibility when upgrading their device if it has been 20+ months since their last validation 
Proof of membership options include any of the below with the member’s name:
● Credit union check ●
● Unexpired credit union credit/debit card ●
● Current credit union statement issued within the last 90 days ●
● Credit union membership card ●

37. Sprint Verification Methods
Verification is easy and only takes a few minutes to complete. There are three ways to verify credit union membership:
1. Visit from a mobile device
Members need to black out all confidential information on
their documentation prior to faxing.
2. Free Invest in America app for Android and/or iPhone
iPhone users can find it at the Apple App Store
Android users can find the app in the Android Market
Members just need to search for “Invest in America”
Members will be prompted to black out all confidential information within the app right on their phone
This app also lists all other Invest in America discounts
3. Fill out and fax the Sprint verification form and supporting documents to the Sprint Corporate
Accounts: or toll free:
Members need to black out all confidential information on their documentation prior to faxing.

38. Verification & Sprint’s AutoPay
For members paying their Sprint monthly bill through Sprint’s AutoPay option
from their credit union checking account or credit union debit/credit card,
verification is as easy as it gets.
Members sign up for Sprint’s AutoPay online using their credit union account
(checking, credit card or debit card).
Sprint pulls the R&T and credit/debit card BIN numbers monthly and verifies credit
union membership for all accounts being paid through Sprint’s AutoPay from a
credit union account via the above methods.
These members are validated monthly each time the report is pulled and members
verified through this process have no need to go through any other verification
process.
CU Solutions Group and Sprint are investigating the possibilities of expanding the automatic payment verification option when automatic payment is set up through the credit union online banking or for members who make payments using a credit union credit or debit card.

39. What Credit Unions Can Do
• Post information regarding Sprint verification to their credit union Web site:
– QRC to the Invest in America App
– Verification Form
– Tutorial (video)
– Benefits
• Include the verification newsletter article in multiple newsletters
• Add the QRC to the Invest in America app to: statements, Web site, newsletter
• Educate frontline staff of the verification process
• Connect with local Sprint store representative (keep their business cards at teller stations to refer members requesting additional information or assistance)
• Make sure to have the most up‐to‐date Sprint literature with the QRC
• Communication, communication, communication!

40. How Lisa Treat Director, Sprint Partnership
Members indicate that they are a credit union member and present Corp ID: NACUC_ZZM
Verification of credit union membership is required
Visit: Any retail outlet where Sprint products are sold
Call: 877.SAVE.4.CU ( )
Click:
Lisa Treat
Director, Sprint Partnership
Call: ext. 523

41. Grow Transaction Volume
Earn cash back on every purchase from over 1,500 retailers!
Save up to 30% on select Dell computer packages. Dell advantage provides additional 5% gift card and extra protection for a worry free purchase!
Save $160 on first year’s service!
Members could save up to $343.90** on average with the TruStage Auto & Home Insurance Program.
Save up to 60% on moving and storage expense!
Member Rewards
Incentives on every day items that help drive card usage and membership value
**Figure based on a February 2011 national sample of auto policyholder savings when comparing their former premium with those of Liberty Mutual’s group auto and home program. Individual premiums and savings will vary.

42. Increase Value of Membership

43. Your TurboTax Program Will:
Increase customer loyalty and referrals
66% of members are more likely to recommend your financial institution to a friend; 95% feel favorable towards you because of your TurboTax offering.
Grow profitable low cost deposits
90% of members used the direct deposit feature in TurboTax; 82% deposited on average $3,044 tax refund with the host financial institution.
Increase site traffic & maximize cross-sell and up-sell opportunities
~20% of members are more likely to fund an IRA or other investment with their tax refund.
Strengthen your position as a trusted advisor
Stay at the center of your members’ financial lives by providing the #1 best-selling and most trusted tax software; there’s no reason for them to go anywhere else!
Provide savings for your members
Discounts available based on marketing commitment. 52% of members purchased TurboTax through their credit union website due to discount.

44. Getting Started CU Benefits - select your participation level Promoter
Participant
Discount: $5 Deluxe/$10 Premier/$15 Home & Business
Discount: $5 Federal Deluxe
Sweepstakes
Co-Branded Site: CU logo and Cross-Sell Banner
Web Banners: Custom sizes and formats (upon request)
Web Banners: Standard sizes and formats
s: Co-branded HTML templates
s: Optional delivery by CUSG of required HTML s (upon request)
Tracking & Reporting: Unique CU links & visit/unit reports
Marketing Requirements (December-April)
Post web banner above the fold on CU website home page & online banking throughout the duration of the tax season (December – April)
Send two dedicated TurboTax s to your members:
Promote TurboTax in newsletters or e-statements

45. CUSG Provides Turnkey Marketing Program
to promote turbotax and drive members to your web site
Promoter
Fed Discount =
$5 Deluxe/
$10 Premier/
$15 Home & Business
Standard Size and Custom Web Banners
Co-Branded TurboTax Website with Your CU Logo and a Cross-Sell Banner
HTML Templates

46. Jackson Hewitt Overview
Provide discounted tax prep services to the 60% of your members that prefer to file their taxes with a local tax professional
CU member discounts: Either $30.00 Off or $50 Less** than last year when members switch from a competing tax prep company.
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.
** Offer valid for tax prep fees paid of $150 or more. Proof of last year’s tax prep fee required.
Over 400 credit unions partnered with CUSG last year to offer
Jackson Hewitt

47. How the Program Works CU Benefits JH Program
Discount: $30 Discount -OR- $50 Less* than last year
Co-Branded Online Coupon with CU logo
Printed Material: Free statement inserts & lobby posters
s: Co-branded HTML templates
Marketing Requirements (December-April)
Send Free statement inserts to members in Dec or Jan
(CU partners that distributed inserts had 4x higher member participation)
Host an in-branch tax prep event with local Jackson Hewitt franchise
Send HTML to members by CU or CUSG
CUSG funds and provides all marketing collateral: Coupon statement stuffers, newsletter articles, template, etc.
Your members receive a hard copy coupon via statement stuffer, in-branch and/or printing a website pdf
Your members redeem the coupon at a Jackson Hewitt office and receive their discount
* Offer valid for tax prep fees paid of $150 or more. Proof of last year’s tax prep fee required.

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

49. How to Integrate IIA
Prominently display the Invest in America program marketing materials in your lobbies - posters and take ones
Publish quarterly IIA article in credit union’s newsletter
Use IIA poster as a flyer in your new membership packets and SEG communications
Utilize provided s to keep your members informed
Use the free frontline resource and newsletter to train staff on the discounts and benefits so they can effectively promote it to your members
Hand out take-ones at the teller line to reinforce the value membership
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

50. How to Integrate IIA Home Page Benefits of membership page(s)
Use Invest in America website banners to link your website directly to the Shop America save pages as a savings tool for your members to use. Place the banner on:
Home Page
Benefits of membership page(s)
Checking Account pages
Credit and Debit card pages
Mortgage and Home Equity loan pages (to promote the benefit from Allied & Liberty Home Insurance)
Online credit card application page
Insurance Pages

51. How to Integrate IIA
Create a member discount page on your website which lists in detail all the credit union member discounts available including those from IIIA

52. How to Integrate IIA Back to School Promotions
Tie the Shop America discounts into your credit union’s marketing calendar to enhance the promotions you run on your core products and services to help increase your share of wallet.
Maintain a strong tie between using the credit union’s debit and/or credit card to the additional discounts available through Shop America.
Back to School Promotions
Checking Account Promotions
Credit Card Promotions
Holiday Promotions
Home Improvement Promotions

53. How to Integrate IIA
Use social media sites to link back to your website pages that promote Invest in America. Not only will this provide your members with valuable information regarding the discounts, but links from search engines can also help increase your rankings in the search engines
Love My Credit Union has twitter, Facebook and blog sites which your credit union can use to build its own content calendar.
Facebook:
Twitter;
Blog:
YouTube:

54. Getting Started Recommend steps for getting started:
Select the IIA programs that fits your credit union’s goals and objectives
Visit to sign up to support the IIA Auto, Sprint, Member Rewards or TurboTax programs or obtain a Sprint or Marketing Agreement
Train staff and distribute frontline staff resource guide ( ed 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

55. National Business Consultants
Curt Belaney (Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington D.C., West Virginia) x 543
Robert Bearden
(California, Nevada, Montana, North Dakota,
South Dakota)
x 751
Crissandra Fry
(Oregon, Washington)
x 549
Colleen Meek (Alaska, Arkansas, Arizona, Colorado, Idaho, Indiana, Iowa, Kansas, Minnesota, Missouri, Nebraska, New Mexico, Oklahoma, Texas, Utah, Wyoming) x 530
Leslie Norush (Alabama, Florida, Georgia, Hawaii, Illinois, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Wisconsin) x 542