Offers your Association and your Members more!

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

2

Program Overview

• Personal Program Specialist ready to assist your members’ with questions regarding the program

• Assistance with buying, selling and financing a home, discounts on other ancillary services

• Recommendation to specially trained and certified Real Estate Agents from select real estate companies from leading firms in each market

• Member receives cash back (in most states) based on the sale and/or purchase price when they close through the recommended program agent

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

3

Real Estate Assistance Program

Features & Benefits– No cost to you or your member to participate

– Personal Specialist to provide guidance and advocacy through the move process

– Referral to high performing, Affinity certified agents in closed broker network

– Redirects / cross-sells to your association mortgage program, successfully impacting your mortgage conversion

– Cash-back based on the purchase and/or sale price of a home (in most states)

– Convenient access via web or phone (Monday – Friday, 7:30am – 8:00pm and Saturday, 8:30am – 5:00pm CST)

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

4

Real Estate Assistance (Buying & Selling)

Budget Truck Rental (Self Moves)

HomeExpress (Vanline Services)

PODS (Portable On Demand Storage)

Rental Assistance

Menu of Services

Affinity Program Offerings

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

5

Cash Back

Your member receives cash back when they buy and/or sell through the program recommended agent

• If member Buys and Sells they could Receive Two Bonuses • Cash Back Provided in Most States (prohibited in NJ, MS, OK, AK, LA and

program is not available in IA)Sale/Purchase Price Rebate

< $75,000 $175

$75,001 - $125,000 $350

$125,001 - $175,000 $525

$175,001 - $225,000 $700

$225,001 - $275,000 $900

$275,001 - $325,000 $1,100

$325,001 - $375,000 $1,300

$375,001 - $450,000 $1,500

$450,001 - $550,000 $1,550

$550,001 - $650,000 $1,600

$650,001 - $750,000 $1,800

$750,001 - $850,000 $2,000

$850,001 - $950,000 $2,220

$950,001 and above $2,400

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

6

Our Program Broker Network

• “Best of the Best”– Market Leader with Proven Track Record– Contractual Obligations– Single point of contact: relocation department

• “Brokers are Measured”– Service performance surveys to members (Interim/Final) – Monthly metrics (mortgage conversion of our partners

mortgage products)

• Utilize “A” team of Agents– Committed to affinity business model / service excellence– Minimum 2 years full-time experience / 1 year community

resident– Participate in on-going affinity training and certification

(2 trainings required / year)– Background check required

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

7

Our Program Partner

• Who are Realogy and Cartus?• Realogy is the world’s largest Real

Estate franchisor. • Cartus has over 50 years relocation

industry experience, Affinity programs since 1989

• 2,800+ employees worldwide• 100,000+ corporate/member moves

per year

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

8

Welcome Home Program Specialist

Did you know…Specialists receive incentives based on mortgage conversion and service provided to members

Specialist-Single Point of Coordination

• Identifies Member's Home Event needs • Counsels on buy / sell process• Immediately notifies broker for same

day agent contact (electronic connectivity)

• Sets expectations for next steps • Performs 7-9 proactive follow up calls • Performs cross-sell of client’s services

(via warm handoff & re-directs) • Acts as advocate for your member • Resolves issues

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

9

Associationpromotesprogramasmemberbenefit.

Memberaccesses informationon associationwebsite orother literature and calls1.800-xxx-xxxxnumber.

A dedicated Program Specialist willdetermine the member home buying, selling, renting,mortgage andmoving needs.

The Specialistacts as theiradvocateand provides guidance throughouttheir realestate transaction.

The Specialistrecommendsa participatingReal EstateBroker and refers member to other related ServiceProviders.

Agent contacts memberwithin 24hours providingexpert service from initialcall to post-closing.

Member closes on property. Property fundedCash back / Credit issued.Service evaluations mailed.

12

3

45

67

How Welcome Home Works

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

10

Marketing Plan

– Co-Branded Website (see next slide)

– Program Flyers

– Educational Articles

– Newsletters

– Association Information Desk

– Online/ Intranet

– Home Buyer Seminars

Build member awareness through:

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

11

Welcome Home Program is a service offered by Meyer and Associates in partnership with UNFCU Financial Advisors. Copyright © 2008 UNFCU Financial Advisors, A United Nations Federal Credit Union Owned Company. All rights reserved.

robrob

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

12

Our Process is Simple

Is member committed to agent?If not, introduce member to Welcome Home Specialist

Program Specialist counsels member, reinforces / refers to mortgage / contacts Realtor

Agent makes same day contact / reinforces mortgage throughout process

Warm hand-off

Member speaks toAssociation Mortgage Loan Officer

Member selects prompt or receives call from web inquiry

Member responds:• Calls program 800 # • Completes web inquiry form

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

13

Thank You!We look forward to “Welcome Home” your members.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

14

Contact Information

• UNFCU Financial Advisors, LLC24-01 44th RoadLong Island City, NY 11101T + 1-212-324-3900http://www.unfcuadvisors.com

• Stephen Ryerson, PresidentT + 1-212-324-3901F + 1-212-324-3991C + 1-917-254-9337

• Please visit www.unfcuadvisors.com, www.welcomehomeprogram.com, and www.ezretirementsolutions.com to learn about our innovative Retirement Solutions.