[PPT] - Helping you get the most out of life What makes Foresters Financial PowerPoint Presentation

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Helping you get the most out of life

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What makes Foresters Financial™ a different kind of financial services provider?

Foresters Financial, Foresters, and Helping Is Who We Are are trade names and trademarks of The Independent Order of Foresters (a fraternal benefit society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. NC210 504573 CAN 03/20

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In 2018 alone, Foresters paid over in insurance claims and benefits

$811 million (CAD)

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“ There are a million insurance companies out there but Foresters is very special because they do so much for the community.”

— John, Foresters member

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Foresters membership provides a whole range of member benefjts

1, many of which are complimentary

This is in addition to the value provided by the insurance product

Member benefits

1 Descriptions of member benefjts that you may receive assume that you are a Foresters Financial member. Foresters Financial member benefjts are non-contractual, subject to benefjt specifjc eligibility requirements, defjnitions and limitations and may be changed or cancelled without notice.

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Each year ofgers 250 renewable tuition scholarships

2

worth up to $8,000 each, $2,000 per year for up to 4 years Scholarships are available to eligible members and their spouse, dependent children, children under legal guardianship and grandchildren

Foresters Competitive Tuition Scholarships

2 Available to eligible members. Please visit https://www.foresters.com/en-ca/foresters-difgerence/scholarships for eligibility criteria.

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Available for many kinds of post-secondary education such as vocation and trade schools, community colleges and universities Canada, US or UK schools Overall Weighting:

Grades: 35%
Community service, reference letter and essay: 65%

Foresters Competitive Tuition Scholarships

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“ I have this financial stability that will help me carry forward and pursue all the dreams I have down the road.”

— Santhiya R, Scholarship winner

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Provides children of a deceased member with a renewable scholarship to cover tuition and maintenance expenses Renewable for up to 4 years

Orphan Scholarships3

3 Available to eligible members with an in force certifjcate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000

r a minimum contribution of $1,000 paid in the previous twelve months.

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Orphan Scholarships

On the death of Maximum per year One parent (two parent home) $1,500 Single parent $3,000 Both parents $6,000

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Toll free and confjdential phone-based fjnancial helpline Complimentary access to accredited counsellors who can help members with questions about a variety of needs including:

Budgeting
Dealing with credit card debt
Saving for a home
Tips to prevent identity theft

Everyday Money

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Easy-to-use digital document preparation service Ofgers members online access to create customizable:

Wills
Powers of attorney
Healthcare directives

Provides a secure online account where members can create, store and print their documents

LawAssure4

4 LawAssure is provided by Epoq, Inc. Epoq is an independent service provider and is not affjliated with Foresters. LawAssure is not a legal service or legal advice and is not a substitute for legal advice or services of a licensed lawyer. Foresters Financial, their employees and life insurance representatives, do not provide,

n Foresters behalf, legal, estate or tax advice. LawAssure is not available in Quebec and the Canadian territories.

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Members may be eligible to borrow up to 75% of the net face amount of the Member’s Foresters life insurance certifjcate to a maximum of $250,000 if they become terminally ill No interest, set-up fees or rider charges Member can use money any way they wish:

Help pay expenses
Participate in an important event

Terminal Illness Loan

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$900 per month per child paid to the legal guardian of the

rphaned children of a Foresters Member, up to age 18

Benefjt payment starts approximately one month after payment of the death benefjt proceeds Paid in addition to any death benefjts

Orphan Benefit3

3 Available to eligible members with an in force certifjcate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000

r a minimum contribution of $1,000 paid in the previous twelve months.

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Provides members the opportunity to apply for fjnancial grants to organize local activities on their own Members can plan activities that will have a positive impact

n their families and communities

Foresters Community Grants

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“ I appreciated the amount of support available throughout the

process. It’s great to be able to

have a fun family activity with so many like-minded Foresters families, new and old.”

— Mark, Foresters member

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Since 2006, Foresters has built 169 beautiful playspaces across North America with KaBOOM!, the national non-profjt dedicated to saving play

Community partnerships

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In 2019 alone,

All fjgures shown in Canadian dollars

$5.65 million

was granted through Foresters Community Grants to help members organize volunteer activities and fun family events

$724,859

in Emergency Assistance went to Foresters members

$2.5 million

in funding for Foresters Competitive Scholarships

93,836

members and their guests attended 2,130 fun family and volunteer activities

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“ Foresters has given me an avenue to be able to give more to my community and to my family and friends. It’s more than just insurance by far.”

— Cheri, Foresters member

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Thank you

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Helping you get the most out of life What makes Foresters Financial™ a different kind of financial services provider?

Foresters Financial, Foresters, and Helping Is Who We Are are trade names and trademarks of The Independent Order of Foresters (a fraternal benefjt society, 789 Don Mills Road, Toronto, Canada M3C 1T9) and its subsidiaries. NC210 504573 CAN 03/20 Today I would like to talk to you about what makes Foresters Financial a difgerent kind of fjnancial services provider. Foresters was founded in 1874 to provide life insurance for average, working families. But they’re so much more than just another fjnancial services provider.

Speaker’s notes

SLIDE 36 In 2018 alone, Foresters paid over in insurance claims and benefits

$811 million (CAD)

Their purpose - enriching family and community well- being. Foresters has over two million members in Canada, the United States and the United Kingdom. Foresters provides members with access to valuable member benefjts and an opportunity to give back through volunteering opportunities that directly afgect local communities. In 2018 alone, Foresters paid over $811 million in insurance claims and benefjts.

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“ There are a million insurance companies out there but Foresters is very special because they do so much for the community.”

— John, Foresters member Foresters membership provides a whole range of member benefjts 1, many of which are complimentary This is in addition to the value provided by the insurance product Member benefits 1 Descriptions of member benefjts that you may receive assume that you are a Foresters Financial member. Foresters Financial member benefjts are non-contractual, subject to benefjt specifjc eligibility requirements, defjnitions and limitations and may be changed or cancelled without notice. Each year ofgers 250 renewable tuition scholarships 2 worth up to $8,000 each, $2,000 per year for up to 4 years Scholarships are available to eligible members and their spouse, dependent children, children under legal guardianship and grandchildren Foresters Competitive Tuition Scholarships 2 Available to eligible members. Please visit https://www.foresters.com/en-ca/foresters-difgerence/scholarships for eligibility criteria. Available for many kinds of post-secondary education such as vocation and trade schools, community colleges and universities Canada, US or UK schools Overall Weighting:

Grades: 35%
Community service, reference letter and essay: 65%

Foresters Competitive Tuition Scholarships Foresters membership provides a whole range of member benefjts, many of which are complimentary. This is in addition to the value provided by the insurance product. Foresters is proud to contribute to the opportunities that education can bring to individuals, families and

communities. Each year, they provide up to 250 tuition

scholarships worth up to $8,000 each, $2,000 per year for up to 4 years. The scholarship is renewable – that means individuals don’t have to apply each year. The Foresters Competitive Scholarship program is

pen to the member, their spouse, dependent children,

children under legal guardianship and grandchildren. Tuition scholarships are available for many kinds of post- secondary education such as vocation and trade schools, community colleges and universities. The scholarships can be used for schools in Canada, US or UK. Applicants must have at least a 70% average in the last year of studies and at least 40 hours of community service in the past two years. The student’s marks are only worth 35% or the total weighting and their community service hours, reference letter and essay are worth 65%.

SLIDE 38 “ I have this financial stability that will help me carry forward and pursue all the dreams I have down the road.” — Santhiya R, Scholarship winner Provides children of a deceased member with a renewable scholarship to cover tuition and maintenance expenses Renewable for up to 4 years Orphan Scholarships3 3 Available to eligible members with an in force certifjcate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000

r a minimum contribution of $1,000 paid in the previous twelve months.

Orphan Scholarships On the death of Maximum per year One parent (two parent home) $1,500 Single parent $3,000 Both parents $6,000 Toll free and confjdential phone-based fjnancial helpline Complimentary access to accredited counsellors who can help members with questions about a variety of needs including:

Budgeting
Dealing with credit card debt
Saving for a home
Tips to prevent identity theft

Everyday Money Foresters also ofgers an orphan scholarship to help children of deceased members with the cost of post- secondary education. The scholarship is ofgered to help them pay for the cost of their fjrst degree and is renewable for up to 4 years. If one parent in a two-parent home passes away, Foresters may provide up to $6,000 per child ($1,500 per year for up to 4 years) in scholarships. If a single parent is raising their children, and the other parent is not involved (regardless of the reason), and the parent responsible for the children passes away, each child could receive up to $12,000 for college ($3,000 per year for up to 4 years). Finally, if both parents pass away, each child could receive up to $24,000 for college ($6,000 per year for up to 4 years). Everyday Money is a toll-free and confjdential phone- based fjnancial help-line. This can help Members with questions about a variety of needs, including budgeting, dealing with credit card debt, loan programs to purchase a home and tips to prevent identity theft.

SLIDE 39 Easy-to-use digital document preparation service Ofgers members online access to create customizable:

Wills
Powers of attorney
Healthcare directives

Provides a secure online account where members can create, store and print their documents LawAssure4 4 LawAssure is provided by Epoq, Inc. Epoq is an independent service provider and is not affjliated with Foresters. LawAssure is not a legal service or legal advice and is not a substitute for legal advice or services of a licensed lawyer. Foresters Financial, their employees and life insurance representatives, do not provide,

n Foresters behalf, legal, estate or tax advice. LawAssure is not available in Quebec and the Canadian territories.

Members may be eligible to borrow up to 75% of the net face amount of the Member’s Foresters life insurance certifjcate to a maximum of $250,000 if they become terminally ill No interest, set-up fees or rider charges Member can use money any way they wish:

Help pay expenses
Participate in an important event

Terminal Illness Loan $900 per month per child paid to the legal guardian of the

rphaned children of a Foresters Member, up to age 18

Benefjt payment starts approximately one month after payment of the death benefjt proceeds Paid in addition to any death benefjts Orphan Benefit3 3 Available to eligible members with an in force certifjcate having a minimum face value of $10,000 or if an annuity, either a minimum cash value of $10,000

r a minimum contribution of $1,000 paid in the previous twelve months.

Provides members the opportunity to apply for financial grants to organize local activities on their own Members can plan activities that will have a positive impact

n their families and communities

Foresters Community Grants LawAssure is a digital document preparation service that provides Foresters members with access to customize wills, power of attorneys and healthcare directives. Members get access to a secure online account where they can store and print their documents. The Terminal Illness Benefjt is an interest free loan of up to $250,000 or 75% or the net face amount of the members Foresters life insurance certifjcate, whichever is less. Terminal Illness benefjts provide a great source of relief for families impacted by terminal illnesses. A member going through a terminal illness may be able to use this to help pay their expenses as their illness progresses. Members can use this money any way they wish, so if they have an important event they want to participate in – a wedding, graduation, or a dream trip – they could use this money that way as well. It helps provide a great sense of relief and comfort for those experiencing a terminal illness If the Member and their spouse pass away, leaving

rphaned children, Foresters may pay the legal guardian
f those children $900 per month per child until the last

child turns age 18. The Orphan Benefjt is paid in addition to any death benefjts. Foresters Community Grants program is a member benefjt that provides members the opportunity to apply

nline for fjnancial grants to organize local activities on

their own. With the help of Foresters Granting program, members can plan activities that will have a positive impact on their families and communities.

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“ I appreciated the amount of support available throughout the

process. It’s great to be able to

have a fun family activity with so many like-minded Foresters families, new and old.”

— Mark, Foresters member Since 2006, Foresters has built 169 beautiful playspaces across North America with KaBOOM!, the national non-profjt dedicated to saving play Community partnerships Since 2006, Foresters has built 169 beautiful playspaces across North America with KaBOOM!, the national non- profjt dedicated to saving play.

SLIDE 41 In 2019 alone, All fjgures shown in Canadian dollars

$5.65 million

was granted through Foresters Community Grants to help members organize volunteer activities and fun family events

$724,859

in Emergency Assistance went to Foresters members

$2.5 million

in funding for Foresters Competitive Scholarships

93,836

members and their guests attended 2,130 fun family and volunteer activities

“ Foresters has given me an avenue to be able to give more to my community and to my family and friends. It’s more than just insurance by far.”

— Cheri, Foresters member In 2019 alone: $5.65 million was granted through Foresters Community Grants to help members organize volunteer activities and fun family events $2.5 million in funding for Foresters Competitive Scholarships $724,859 in Emergency Assistance went to Foresters members 93,836 members and their guests attended 2,130 fun family and volunteer activities

SLIDE 42 Since 1874, Foresters Financial has helped families build fjnancial security, help each other and make a difgerence in their communities. Almost a century-and-a-half later, this commitment still sets them apart. Foresters is not another faceless fjnancial institution. They help their members make a positive difgerence in the world.

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Thank you

Giving back is not a new concept to Foresters. Helping is who they are. Thank you for time and for considering Foresters.