GBU Life Winter Reporter 2025 by GBULife

ABOUT US

4254 Saw Mill Run Boulevard Pittsburgh, PA 15227-3394

T: 412-884-5100 or 800-765-4428

E: communications@gbu.org

W: gbu.org

Editor: Jennifer Stockdale

Production Editor: Timothy Rodman

Art Director, Design and Layout: Rachel Cummins

Contributing Writers: Anna Meek, Jennifer Stockdale, Rachel Cummins, Natasha Herleman, Mary Koczan, Autumn Krewson, Ken Elliott, Laqueeta Coleman, Timothy Rodman and Karen Ferguson

GBU MANAGEMENT

Chief Executive Officer—William W. Hunt

Sr. VP/Chief Financial Officer—Mark Cloutier

Sr. VP/Chief Operating Officer—Wil Lombardi

Sr. VP/Chief Marketing Officer—Lesley B. Mann

Sr. VP of Administration—Deborah Morgan

AVP of Compliance and Human Resources—Antoinette Blair

GBU NATIONAL DIRECTORS

Chairman of the Board—Lea Ann Hazi

David E. Bevins

Joseph S. Bielecki

Frank Bria

William W. Hunt, CEO

Christina MacKellar, CPCU, CIC

David L. Pringle

John Swanick

GO GREEN WITH GBU

To receive The Reporter digitally and discontinue receiving it by mail, scan the QR code. We will notify you by email when the new issue is online. Please be advised that you will receive a published issue when we are required by law to deliver any notice, report or statement, including notice of election and any amendments to the Articles of Incorporation or bylaws of GBU.

MEDIA CONSENT AND RELEASE NOTICE

GBU personnel, members, districts and others may take pictures, make recordings or produce videos at GBU events. In an effort to promote activities and increase public awareness, these may be published in The Reporter, on GBU and district websites, in the GBU Life Member Community, on social media outlets and in other locations. By participating in GBU events or by submitting pictures, recordings or videos directly to GBU, all members and other parties consent to the release and use of these pictures, recordings or videos and waive any rights to royalties or any potential liability relating to such.

HOME OFFICE HOURS

Monday–Friday: 8 AM–5 PM ET Saturday and Sunday: Closed

To an Innovative 2025!

BY BILL HUNT, CEO

Happy New Year to all members and friends of GBU!

As we welcome another year, I hope you enjoyed a holiday season filled with joy and good health. With the dawn of 2025, I want to take a moment to reflect on

GBU’s recent journey and share our enthusiasm about the opportunities to serve you and future generations as GBU enters its 133rd year. Over the last few years, everyone at GBU has focused on modernizing and strengthening an already solid infrastructure while maintaining rigorous compliance standards. From rebranding our organization to introducing a comprehensive suite of innovative fixed annuity and life insurance products and integrating advanced technologies, our efforts have positioned GBU for sustainable, strengthening growth.

Since 2018, GBU has increased its assets under management from $2.8 billion to $4.5 billion, elevating us to the fifth-largest fraternal benefit society in the United States. During this time, we have maintained a strong solvency ratio by growing GBU’s capital base, or surplus, from $208 million to $310 million.

GBU’s governance protocols have been enhanced with the implementation of a direct election process of the Society’s Board of Directors by eligible members as well as a comprehensive Enterprise Risk Management program.

Our membership has also flourished, growing from 61,500 in 2018 to 74,185 members. This expansion of GBU’s community comes during a time when most fraternal organizations are losing membership. Robust sales and marketing efforts along with multiple successful mergers have contributed to this expansion of GBU’s community reach as we have welcomed members of the Independent Order of Vikings, Baptist Life Association and the North American Swiss Alliance.

We have also redefined community engagement at GBU, enhancing district involvement while introducing new ways for GBU members to engage within their communities through the development of the regional concept and neighborhoods. We have introduced valuable member benefits, such as SAGE Tuition Rewards, Optimity, LawAssure and our newest addition, Empathy. Meanwhile, the GBU Foundation has been revitalized to extend beyond scholarships, incorporating fundraising efforts and awarding community grants.

Our team has worked diligently over the past few years to modernize GBU’s technological and operational capabilities. Technology has enabled us to offer a completely digitized experience

(when desired) for our agents and members by streamlining application and underwriting processes and simplifying everyday tasks like updating addresses. It has also allowed us to come together fraternally through virtual fitness classes, children’s activities, webinars and podcasts. We have only scratched the surface! Our focus remains on adopting new technologies to enhance your experience with GBU while preserving the personalized, friendly service you’ve come to expect.

As we embark upon a new year, I want to express my gratitude for your trust and membership. At GBU, we are dedicated to safeguarding your future and providing peace of mind through our life insurance and fixed annuity solutions. In 2025, we will continue developing innovative products, an enriched customer experience and enhanced benefits to meet your evolving needs and support your financial goals. Together, let us embrace the opportunities of 2025 with confidence and a renewed sense of service to our communities. Thank you for being an essential part of GBU’s journey. We look forward to a prosperous and fulfilling year ahead.

All the best,

William Hunt, CEO

DEVELOP YOUR FINANCIAL PLAN

PUT YOUR RMD TO WORK FOR YOU.

Time to take out your Required Minimum Distribution (RMD)? Did you know you can use your RMD to purchase financial products that can help to secure the future for you, your loved ones or a charitable organization that you care about? Talk to your agent today to discuss some options that may be right for you, or request an appointment with an agent near you

Purchase a whole life policy for your

Purchase a policy or annuity that allows you to leave a legacy to a charitable organization

Make a donation to the GBU Foundation

Set up an education savings account for a

PURCHASE A WHOLE LIFE POLICY FOR YOUR GRANDCHILDREN

Start your grandchildren on the road to financial success with a GBU membership. GBU's Youth 3 Pay Life insurance is permanent life insurance that offers a lifetime of coverage for just three annual payments.

Your grandchild becomes a GBU member and remains a member for as long as the policy is active. GBU members have access to special members-only discounts, events and contests as well as education, volunteer, scholarship and grant opportunities.

Cash Value Growth. Youth 3 Pay Life insurance accumulates cash value that can be borrowed against, with interest or used to help your child secure education loans, help your child secure mortgage down payments or handle emergency situations.

Dividends. Youth 3 Pay Life insurance is expected to earn dividends that can be used to purchase additional paid-up coverage, held with interest or paid out in cash.

Competitively Priced Coverage. Policy face values range from $5,000 to $50,000 for youth of current ages 0–17. Policy rates are based on age, gender and amount of coverage requested. Policy is paid in full in three annual payments.

OR

MAKE A DONATION TO THE GBU FOUNDATION

Your qualified charitable distributions can satisfy all or part of the amount of your Required Minimum Distribution (RMD) from your IRA. For example, if your 2024 Required Minimum Distribution was $10,000, and you made a $5,000 qualified charitable distribution for 2024, you would have had to withdraw another $5,000 to satisfy your 2024 RMD.

HOW IT WORKS

You can make a tax-deductible donation of all or part of your RMD to the GBU Foundation. Send the donation to 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227-3394 in the form of a check made out to the GBU Foundation.

We will send you back a letter acknowledging the amount donated Let your tax preparer know that you made the donation, and they will need to report it on your 1099-R form, 1040 form and form 8608 with your 2024 taxes.

For more information on how to satisfy your RMD with a charitable donation, consult your tax preparer or CPA.

Tax info is provided by H2R CPA. H2R CPA is a full-service accounting and business advisory firm celebrating over 60 years serving closely held businesses, nonprofit organizations and High Net Worth individuals. The team specializes in comprehensive tax, assurance and business consulting services. GBU Life does not provide tax advice. You should consult with a legal or tax professional for any such matters.

GBU Life is the marketing name for GBU Financial Life. Life insurance underwritten and annuities offered by GBU Financial Life (GBU), 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227. Dividends are not guaranteed. A parent or legal guardian must sign the application. If the policy is to be owned by someone other than the parent or legal guardian, the parent or legal guardian must also sign the application. Riders are optional and have additional fees associated with them. Product not available in all states. Please see policy and rider coverage for complete details. Contract Form Series: ICC19-Y3Pay, FL20Y3Pay.

GBU-RMD-0124

THE OFFICE

TRIVIA

How well do you know the characters from the hit TV series The Office? Watch your reruns and get ready to test your skills in our winter trivia contest!

Monday, January 20, 2025–Friday, February 14, 2025

HOW TO PLAY

Go to inside.gbu.org/trivia starting on Monday, January 20, 2025, at 8 AM ET and click on the link to the game. Answer trivia about the hit TV series The Office. You have two minutes to answer as many questions as you can. The faster you answer, the more points you score!

Keep an eye on the leaderboard until the end of the game on Friday, February 14, 2025, at 4 PM ET.

The top 10 players on the leaderboard at the end of the game will win a $20 Tango gift card! Tango partners with hundreds of participating retailers and brands, such as Nike, Target and Amazon. All players will be entered in a random drawing for a chance to win a $250 Tango gift card.

Youth 3 Pay Life Insurance

Kick-start your child’s journey to financial success with a whole life policy from GBU Life. GBU’s Youth 3 Pay Life Insurance is permanent life insurance that offers a lifetime of coverage with just three annual payments.

Why Whole Life Insurance?

Cash Value Growth. Whole life insurance policies accumulate cash value over time. This cash value can be borrowed against (with interest) or used to help secure education loans, home down payments or during emergencies. Loans have no fees or penalties.

Dividends. Whole life policies may also earn dividends. These can be used to purchase additional coverage or paid out in cash.

Coverage for Life. Whole life insurance is permanent life insurance. Youth 3 Pay Whole Life gives your child lifetime coverage at a competitive rate.

Member Benefits That Grow with Your Child

With the purchase of a whole life policy, your child becomes a lifetime member of GBU. With that membership comes a suite of member benefits that range from college assistance to special interest groups.

• Outstanding scholarship and grant opportunities.

• Volunteer programs.

• Exclusive access to educational programs and social events.

• Language learning reimbursement.

Product Highlights

• Face values range from $5,000 to $50,000 for youth ages 0-17.

• Policy is fully paid in three annual payments.

• Optional riders are available.

 Guaranteed Purchase Option Rider: allows periodic purchase of additional coverage, regardless of health, until age 40.

 Accidental Death Benefit Rider: pays an additional benefit in the case of a covered accidental death.

GBU Life is the marketing name for GBU Financial Life. Life insurance is underwritten by GBU Financial Life (GBU), Pittsburgh, PA. Policy will mature when insured reaches age 121. Dividend payments are not guaranteed as the assumptions on which they are based are subject to change. A parent or legal guardian must sign the application. If the policy is to be owned by someone other than the parent or legal guardian, the parent or legal guardian must also sign the application. Riders are optional and have additional fees associated with them. Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Policy and features are subject to approval and may not be available in all states. Please see policy and rider coverage for complete details. GBU and its agents do not provide tax, legal or investment advice. Please consult with a legal or tax professional prior to the purchase of any contract. Contract Form Series: ICC19-Y3Pay, FL20-Y3Pay, Gen-Y3Pay, ICC19-Mem3Pay, FL20-Mem3Pay, Gen-Mem3Pay.

MONEY MOVES GRADS

Graduating from college is an exciting milestone, but it’s also the future. Building on the foundation you’ve already laid the groundwork for with smart money choices will set you up for next step.

Defined

Benefit Annuity: early is key. Our Fixed Index Annuity

Whole Life Insurance: also build cash value over time, making them a smart financial decision. If you already have a Pay Life even borrow against the cash value to help with financial emergencies, a house down payment or other expenses.* If you do not have a Guaranteed Purchase Option Rider, now is a great time to purchase additional whole life insurance to build cash value and/or term insurance to help

Help Secure Your Retirement, One Smart Choice at a Time

Gone are the days when you could rely solely on social security or a company pension to see you through your golden years. Now, it’s all about taking control of your financial future and making sure you have enough set aside to live comfortably when you decide to hang up your work boots.

The Defined Benefit Annuity from GBU Life can help you to create a plan for a guaranteed income in retirement by making regular contributions based on your retirement income targets.

Discover our Defined Benefit Annuity, designed to help you save for retirement! Learn more -->

Interest rates and participation rates are determined at the date of funds receipt. Rates are subject to change without notice. Optional booster fees/contract fees increase the participation rate and are deducted from the index strategy value at the beginning of the index term. Increased participation rates can result in greater interest credited. Benefits may be taxable. During the surrender charge period, withdrawals exceeding 10% will be subject to a surrender charge that may be higher than fees associated with other types of financial products and may reduce principal. Interest compounds daily over the specified term. GBU Life is the marketing name for GBU Financial Life. Annuities are not short-term products and are issued by GBU Financial Life (GBU), Pittsburgh, PA. Products and features may vary by state. Withdrawals prior to 59½ may be subject to IRS penalties. This is a summary of the contract provisions. Please refer to the contract for details of surrender charge schedule, benefits and exclusions. No statement contained herein shall constitute tax, legal or investment advice. You should consult with a legal or tax professional for any such matters. NOT A DEPOSIT OF A BANK-MAY LOSE VALUE NOT BANK GUARANTEED. GBU-PM-AD-DBA

WINTER BLUES

GET OUTDOORS

Simply gazing out your bedroom window can make it harder to fight off the blues–instead, go outside! Taking a brisk walk can provide a dose of mood-boosting vitamin D. So, grab your boots and a pair of sunglasses and get outside!

VOLUNTEER FIND A WORKOUT BUDDY

There are many ways you can get involved during the winter months. Consider volunteering at a soup kitchen or homeless shelter. If you love animals, you might consider volunteering your time at a pet rescue. Volunteering is a great way to boost your mental health during the winter.

GET ENOUGH REST

S l e e p i s e ss e ntia l f o r p hysi ca l an d me nta l h e alth

D urin g th e w i nt e r m onths ,

e nsur e y o u ge t e nou g h sl e e p

t o r e char g e y o u r bod y I f y o u stru gg l e w i t h sl eep in g d urin g

w i nt e r mo nths , tr y usin g a de vic e tha t us e s l i g h t t o

w ak e y o u u p i n th e mo rnin g i nst e a d o f a l o u d n o is e O r t r y ar om athera p y t o h e l p p r omo t e a g o o d ni g ht ’ s r e st .

It's much harder to crawl into a winter blues cave if you have an accountability partner. When selecting your workout partner, make sure he or she has similar fitness goals. It’s helpful to know that your partner will motivate you when you need it.

MAINTAIN SOCIAL CONNECTIONS

Getting social just might be the right prescription to lift your mood. Call a friend and catch a movie or plan an evening of fun with a competitive game of bowling for some action and laughs.

PRIORITIZE SELF-CARE

Take the time to focus on activities that nourish your mind and body. Getting a massage, practicing meditation or escaping into the world of literature are ways to create regular moments of relaxation and rejuvenation.

EAT WELL

Yo u r d i e t ca n si g nificantl y i mp ac t y o u r m o o d an d e n e r g y l e v e ls S ta y f o cuse d an d mo tivat e d b y e atin g a we ll- b alanc e d d i e t tha t inclu de s p l e nt y o f fruits , v ege ta b l e s , w h o l e g rains , l e a n p rot e i n an d h e alth y fats

HARNESS THE POWER OF MUSIC

Whether you like country, jazz or pop, music has the ability to boost your mood. Studies have shown that music can be used as a treatment for both physical and mental disorders. If you’re feeling down, crank up the tunes and sing along.

Loving life with Optimity!

Love is in the air this season, and so are new Optimity challenges! To celebrate Valentine’s Day, we’re challenging GBU members to reflect on what they love. This 7-day challenge going from February 10th-16th can be an exciting time to connect with fellow members and share all the love. Join now to earn gems while having fun!

Join Optimity at inside.gbu.org/optimity.

The Soundtrack

OF MY LIFE

PHOTO CONTEST RESULTS

Thank you to all of the participants in The Soundtrack of My Life Photo Contest! Congratulations to the winners listed below.

First Place

Fourth Place

Second Place

Third Place

Fifth Place

Joyce C. Summerhill, Pennsylvania

Renee L. Transfer, Pennsylvania

Rose G. Fort Mill, South Carolina

feel good food Comforting Casserole Recipes

INGREDIENTS

1/4 cup unsalted butter

5 medium Vidalia onions, thinly sliced (3 pounds)

DIRECTIONS

2 teaspoons kosher salt

1/2 teaspoon black pepper

3 thyme sprigs

2 flat-leaf parsley sprigs

2 bay leaves

1 16-ounce baguette, thinly sliced

1/3 cup all-purpose flour

3 cups reduced-sodium beef broth

1/2 cup sherry

8 ounces Gruyère cheese, shredded (about 2 cups)

1 teaspoons fresh thyme leaves

TIME & YIELD

Active time: 1 hour 20 minutes

Total time: 1 hour 50 minutes

Servings: 6

2 3 4 5

Cook onions

Melt butter in a Dutch oven over medium-low heat; add onions, salt, pepper, thyme and parsley sprigs and bay leaves. Cook onions, stirring often, until golden brown, about 1 hour.

Toast baguette slices

Preheat oven to 350°F. Arrange baguette slices in a single layer on a baking sheet. Bake slices for 12 minutes. Set aside.

Remove and discard thyme and parsley sprigs and bay leaves from onion mixture. Add flour to mixture, stirring constantly for 2 minutes. Add broth and sherry; bring to a boil over high heat. Stir constantly until slightly thickened, around 2 to 3 minutes.

Assemble casserole

Layer half of the toasted baguette slices in a 9x13 inch baking dish. Spoon onion mixture evenly over bread. Top evenly with remaining baguette slices. Sprinkle with cheese and cover with aluminum foil.

Bake casserole

Bake in preheated oven 30 minutes. Increase heat to broil and remove foil. Broil until cheese is bubbly, about 3 minutes. Sprinkle with thyme sprigs. Make sauce

SOPAPILLA CHEESECAKE PIE CASSEROLE

INGREDIENTS

cooking spray

2 8-ounce packages cream cheese, softened

1 3/4 cups white sugar, divided

1 teaspoon Mexican vanilla extract

2 8-ounce cans refrigerated crescent rolls

1/2 cup butter, room temperature

1 teaspoon ground cinnamon

1/4 cup honey

TIME & YIELD

Active time: 50 minutes

Total time: 2 hours 50 minutes

Servings: 12

DIRECTIONS

Make mixture

Beat cream cheese, 1 cup sugar and vanilla extract in a bowl until smooth.

Prepare dough

Unroll crescent roll dough, and use a rolling pin to shape each sheet into a 9x13 inch rectangle. Grease a 9x13 inch baking dish with cooking spray. Then, press one piece of the dough into the bottom of the prepared baking dish.

Assemble casserole

Evenly spread cream cheese mixture on top. Cover with remaining piece of crescent dough. Mash remaining 3/4 cup sugar, butter and cinnamon with a fork. Dot mixture on top of dough.

Bake casserole

Preheat the oven to 350°F and bake until crescent dough has puffed and turned golden brown, about 30 minutes. Remove from the oven and drizzle with honey. Cool completely in the pan for about 2 hours before cutting into 12 squares.

places to go this Winter

Vail is a stunning ski resort tucked away in Beaver Creek, Colorado. The resort is designed to reflect European-style architecture, leaving you feeling like you’re in an entirely other world. A variety of activities await the whole family, such as hiking, skiing, art, spas, shopping and more! Whether you’re looking for adventure or relaxation, you can have a magical getaway at Vail!

Looking for a wild winter adventure?

You can find it all and more at Big Sky Resort! Snowing almost 24 hours a day, there is just “snow” many opportunities. From a wide range of slopes to ski on, dog sledding and sno-go biking, funfilled memories are waiting to be made at Big Sky.

The cozy town of Portland, Maine is ready to be explored. Portland has a lively art and historical scene, with many museums and art galleries. After a day of discovering Portland culture, grab dinner from one of the many fine seafood restaurants. If you’re not quite ready to end your night, check out one of Portland’s ice bars - a bar made of ice serving refreshing cocktails to close out the perfect day.

Vail: Beaver Creek Ski Area, Colorado

Big Sky Resort: Big Sky, Montana

Portland Head Light: Portland, Maine

Image source: Expedia

Image source: Vogue

Image source: Visit Portland

Day Valentine’s

Gift Guide

with VIP Perks! by Entertainment®

Restaurants

VIP Perks! by Entertainment® has deals on favorite local and national eateries, including buy one, get one (BOGO) promotions!

Museums

Plan a trip to the museum with VIP Perks! by Entertainment® and receive special offers for you and your valentine.

Salons & Spas

Looking for a day of pampering and relaxation? Remember to search VIP Perks! by Entertainment® for promotions on your local hair and nail salons, spas and more.

Golfing

Yes, you read that right. VIP Perks! by Entertainment® has discounts for golf courses, such as special pricing and savings.

With VIP Perks! by Entertainment®, GBU members enjo y local and national discounts on dining, entertainment, shopping, trave l, services and more. You can print coupons at home or simply redeem them from th e mobile app!

Offers from VIP Perks! by Entertainment® are availa ble in 10,000+ US and Canadian cities. This GBU member benefit is provide d at no charge for both insured and social members. Simply opt-in to receiv e access to the site.

V isit inside.gbu.org/vip-perks to get started.

JUST FOR KIDS

COLORFUL COLORFUL COFFEE FILTER COFFEE FILTER

SNOWFLAKES SNOWFLAKES

Winter brings a chill to the air, but it also invites opportunities for cozy, creative activities indoors. One such craft that’s perfect for all ages is making colorful coffee filter snowflakes!

This easy and fun craft requires a few household items, and the process is simple enough for kids to take the lead while adults guide the way.

Materials Needed

Washable markers (for coloring)

Paper coffee filters (standard size)

A cup of water

A teaspoon

Transparent tape

Hole punch and string (optional for hanging)

How to Make Colorful Coffee Filter Snowflakes

1. Color the coffee filter. Start coloring or drawing fun designs on the coffee filter. You can get creative with this step, using bright colors or even making patterns like spirals, stripes or polka dots. The more color, the more vibrant your snowflakes will be!

Flatten the coffee filter. Start by laying a paper coffee filter on a flat surface. Gently press it down so that it lies smooth—this will give you the perfect base for decorating.

Blend the colors with water. Now it's time to add some magic. Carefully drip some water onto the decorated coffee filter. Be gentle—your goal is to let the water blend the marker colors together but not drench the filter. You’ll see the colors start to merge, creating beautiful, tie-dye-like effects.

3. Let it dry. Let your coffee filter dry completely. The colors will continue to blend and deepen, so you'll end up with a unique, multi-colored design.

4. Fold and cut the coffee filter. Once dry, fold it in half, then in half again, until you have a small triangular shape that resembles a slice of pizza. Then, cut out small shapes or patterns along the edges of your folded coffee filter. You can create any design you like—triangles, curves or even small holes. Unfold the coffee filter carefully and voilà! You’ve created a beautiful, colorful snowflake.

5. Display your snowflakes. To show off your colorful creations, tape them to windows so the sunlight can make the colors pop. You can also punch a small hole at the top of the filter and add a piece of string. Hang them from the ceiling or around your windows for a lovely winter display.

Whether you’re looking to brighten up a cold winter day or add some seasonal flair to your space, these coffee filter snowflakes are a delightful addition to any room.

Reverse Crossword Puzzle

FRATERNAL PUZZLE FOR MEMBERS AGES 10–14. Email (contest@gbu.org) or mail (GBU Fraternal Department, 4254 Saw Mill Run Blvd., Pittsburgh, PA 15227–3394) the participant's name, email address and answers to this fraternal puzzle for a chance to win a $25 Tango gift card*. Members must provide a valid email address, as the gift cards are sent via email.

*Tango partners with hundreds of participating retailers and brands like Nike, Target and Amazon.

Below is a list of words related to winter. You must place the words in the puzzle where they belong. We did one for you!

ANGELS BELLS BOWS

CANDLE COAT DOLLS GLOW

Jody Shapiro is a Forest Hills, Pennsylvania, native and owner of Aspire Enterprises and Yinzer Family Gifts N’at—where she turns her colorful computer creations, including images of her dogs and original black and gold Yinzer sayings, into shirts, mugs and other useful items that she sells in her Redbubble store redbubble.com/people/AspireToFind/shop?asc=u. Jody and her husband, Joel Bloom, live in Pittsburgh with their long-haired mini dachshund and social media influencer (@CodyBearTheDachshund) AKA Cody. Follow him for daily doses of dog humor and dog-themed poetry. Jody has been creating word puzzles for children since the mid-1980s. She has been a GBU member since the late 2000s. aspiretofindasolution.com

THE GBU FOUNDATION SCHOLARSHIPS & GRANTS

GBU Life (GBU) established the GBU Foundation in 1963 to offer academic scholarships to its members. Through 2024, the GBU Foundation has awarded over 4,000 scholarships totaling almost $3,000,000 to members attending two-year, four-year and graduate programs.

Visit gbufoundation.awardspring.com for the latest information about GBU Foundation scholarships.

GBU Foundation Scholarships

Freshman Scholarships (4 years)

For eligible GBU members entering four-year programs leading to a bachelor’s degree.

$1,500 per year, renewable for up to three years.

Bert Waltenberger Memorial Scholarship

Applicant must be involved in German-related programs and sports activities to be eligible to receive this award.

$1,500 per year, renewable for up to three years

Clarence O. Affelt Architecture/Fine Art Memorial Scholarship

Applicant must have a declared major in architecture or the fine arts to be considered for this award.

$1,000 in the first year, with $500 per year, renewable for up to three years.

Two-Year Scholarships (2 years)

For eligible GBU members entering or enrolled in degree, certificate or trade programs up to two years in duration offered by vocational/technical schools, nursing schools, community colleges and similar institutions.

$1,000 per year, renewable for up to one year.

Undergraduate Scholarships (3 years)

For eligible GBU members in college programs leading to a bachelor’s degree.

$1,000 per year, renewable for up to two years.

Graduate Scholarships (2 years)

For eligible GBU members entering or enrolled in college graduate degree programs leading to advanced degrees.

$1,000 per year, renewable for up to one year.

GBU Foundation Grant Awards

All eligible applicants who do not receive a GBU Foundation Scholarship are entered in a random drawing for a predetermined number of one-time $500–$1,000 GBU Foundation grants.

Scholarships Offered to GBU District Members

Fritz Bertz Scholarship (District 510 — Toledo, OH)

District 146 — Johnstown, PA, Scholarship

District 291 — Summerhill-Lilly, PA, Scholarship

District 510 — Toledo, OH, Scholarship

District 1000 — LFA Scholarship

District 2000 — ULS Scholarships

District 3000 — HRFA Scholarship

District 4000 — Sokol USA Milan Getting Scholarship

Visit sokolusa.org/scholarship to apply.

GBU District 5000 — IOV Grand Lodge Scholarship

For eligible District 5000 — IOV high school senior members who have received confirmation of acceptance from an institution of higher learning.

Must hold either a junior or senior membership in the IOV for at least six months prior to the date of application.

$1,750 nonrenewable scholarship. Apply November 1, 2024 — March 1, 2025.

High School Freshman Grants

The GBU High School Freshman Grant Program is designed to assist eighth-grade GBU members with associated costs in their transition into the high school curriculum. High School Freshman Grants of $250 are to be used for expenses necessary for the student’s educational needs. For more information, please contact the GBU Foundation at gbufoundation@gbu.org

2025 Scholarship Deadlines

March

April

June 30

July 31

September 1

GBU Foundation Freshman, GBU Foundation Two-Year, GBU Foundation Graduate, GBU Foundation Undergraduate, Fritz Bertz Scholarship, District 146 — Johnstown, PA, Scholarship, District 291 — Summerhill-Lilly, PA, Scholarship District 510 — Toledo, OH, Scholarship, District 1000 — LFA Scholarship, District 2000 — ULS Scholarships, District 3000 — HRFA Scholarship

SOU NDTRACK OFMY LIFE COLORING CONTEST RESULTS

Thank you to all of the participants of the Soundtrack of My Life Coloring Contest! Congratulations to the winners listed below.

CATEGORY I-AGES 3 & 4

FIRST PLACE

Mackenzie W.

Ashburn, Virginia

SECOND PLACE

Lillian H. Mills River, North Carolina

THIRD PLACE

Carolina Z. Johnstown, Pennsylvania

CATEGORY II-AGES 5 & 6

FIRST PLACE

Kinsley S. Johnstown, Pennsylvania

SECOND PLACE

Andrew C. Willow Street, Pennsylvania

CATEGORY III-AGES 7 & 8

FIRST PLACE

Myla M. Homer City, Pennsylvania

SECOND PLACE

Zoe P. Lowell, Michigan

THIRD PLACE

Zoey H. Mars, Pennsylvania

THIRD PLACE

Ryan W. Ashburn, Virginia

Make

wavesandearn rewards

Give Back University is a part of GBU Life’s commitment to our youth and their education. The best way to help the communities we care about is to help foster a sense of community in our youth. We hope that Give Back University members will grow up to be advocates and strong leaders both for GBU Life and for the communities they live in.

Complete a challenge each month and get entered to win a $250 gift card.

Earn an automatic $20 bonus gift card for every third challenge you complete.

FEATURED CLASS

Financial Literacy for Teens: Stocks, Savings and Planning

Learners will explore the basics of investing, compound interest and long-term financial planning. Through interactive activities, learners will develop strategies for saving, investing and creating personalized financial plans.

As a Give Back University student, you have exclusive access to engaging smallgroup classes online.

SUGGESTED CHALLENGE

Make a Furry Friends Shelter

With the seasons changing and cold weather approaching, it can be hard for some animals, such as feral cats, to stay warm. Feral and outdoor cats can be an important factor in our environment as they regulate rodent and vermin populations. Let’s help them stay cozy this season with a DIY shelter.

Grace M. job-shadowed a professor at Syracuse University College of Law.

Ben and Michelle M. made toy kits for a local hospital.

Anna M. donated to a Christmas toy drive.

Grace M. got to visit a courtroom while job shadowing.

Michelle M. made a compost bin.

Challenge Results

Anna M. made a pumpkin bird feeder.

STUDENT LEADERS PROGRAM

The GBU Student Leaders Program empowers college and trade school students in their second year to make a difference in their communities by offering monthly stipends, resources and support to lead impactful events, complete service projects and excel academically.

Email memberbenefits@gbu.org if you want to be among the first to get details about the program when it launches.

DISTRICT HAPPENINGS

District 45 — Altoona, Pennsylvania

Happy New Year to all the GBU members and their families and friends. Winter officially arrived on December 21, 2024, so please drive with caution when out and about this winter. Look out for family and neighbors who may need assistance during the winter months.

Francis B. Madison award recipient, Debra Picano

The Annual Picnic took place in August, with Mary Koczan from the Home Office presenting Debra Picano, district trustee, with the Francis B. Madison Award. The event also marked the district’s 130th Anniversary. In honor of our anniversary, all those in attendance received a door prize. Thanks to everyone who assisted with the picnic, especially the members of the Swiss Club who cooked the chicken. It was great to see so many members at the picnic. We had the privilege to present a donation to the Hollidaysburg School District German Club to assist them with their activities to learn about German culture.

Upcoming District Events

Halloween Games - Pass the Pumpkin

Upcoming District Events

The Spring Pie Sale orders, benefiting the “Miracle League of Blair County” baseball organization and “Dreams Go On” therapeutic riding stable, are due by Monday, March 31, 2025, with delivery on Saturday, April 12, 2025. “The Miracle League” offers children with special needs the chance to play baseball, while “Dreams Go On” provides therapeutic horseback riding for physically challenged individuals in Blair County, along with mental and behavioral health support. Contact me to place an order.

We will be mailing out our District Scholarship Request letters along with the Calendar of Events for 2025. Scholarship donations may be sent to our treasurer, Betty Richardson, at 2524 W. Chestnut Avenue, Altoona, Pennsylvania 16601. Please make checks payable to “GBU District 45” and note “Scholarship Fund” in the memo line.

Congratulations Corner

Congratulations to the 19 District 45 Scholarship Award recipients for the 2024–2025 academic year. The members that received scholarships to help with their post-secondary education include Matthew Bowser, Lucas Dorsch, Sophia Fanelli, Jonah Fleck, Archie Hill, Erin Himes, Nicole Himes, Adriana Kessler, Marissa Kessler, Nathan Kessler, Gavin Schlecht, Finley Steinbugl, Jacob Steinbugl Jr., Lucas Steinbugl, Maren E. Steinbugl, Riley Steinbugl, Davan Webster, James R. Wharton and Elizabeth A. Wood. We wish everyone a successful year.

A warm welcome to new members who have recently joined GBU and District 45! We look forward to your participation in our activities and hope you can meet fellow members.

Monthly Meetings

October 13, 2024, was the Kid’s Halloween Party with the Unter Uns Club. All in attendance enjoyed games, crafts and good food. Thank you to everyone who helped with the party. The kids had a great time.

Presenting check to HASD German Club Members

Join us for our monthly meetings, held at 6 PM on the second Wednesday of each month at the Unter Uns Club in Altoona. There will be no meetings in January, July, November or December due to officer meetings. Come enjoy refreshments and learn about, support and get involved in our fraternal activities.

A warm welcome to new members who have recently joined GBU and District 45! We look forward to your participation in our activities and hope you can meet fellow members.

Monthly Meetings

- Robin Kessler, Fraternal Secretary 814-943-4481 or rob1jon@atlanticbb.net

Halloween Games - Pass the Pumpkin

- Robin Kessler, Fraternal Secretary

District 146 — Johnstown, Pennsylvania

Welcome to 2025! We hope everyone was able to spend time with family and friends during Thanksgiving and Christmas holidays.

The nominations and election of officers for 2025 were held at the meeting on October 28, 2024. The 2025 District Officers are:

President: Gary Weimer

Vice-President: Jack Orris

Recording Secretary: Marian Knapik

Fraternal Secretary/Treasurer: Barbara Weimer

Trustees: Stephen Csehoski , Mark Jones, Dennis Ribblett

The district hosted a Christmas Party in the clubroom to thank everyone for helping with district projects throughout the year. A fundraiser was held during the party to help cover the cost of the menu for the party.

The officers held a meeting in December to plan some 2025 activities. We’ll kick off 2025 by planning a Super Bowl Party and a Valentine’s Day Fundraiser.

Monthly Meetings

Meetings are usually held at 7 PM on the second Monday of the month (except July). November, December and January meetings are subject to change due to weather conditions. Officers will meet monthly at their convenience to plan projects during those months at the Moxham Beneficial Home Association, 40 Bridge Street in Johnstown (814-539-1290). Check the bulletin board in the clubroom for additional information and any changes to meeting dates.

- Barbara Weimer, Fraternal Secretary 814-255-4710 or bkweimer@verizon.net

District 510 — Toledo, Ohio

Greetings from District 510. We hope everyone had a safe and enjoyable holiday season with family and friends. We wish you all good luck, health and happiness in 2025.

On July 21, 2024, we met for our Annual District 510 Member Picnic at Tom and Marilyn Riedeman’s Farm. There was a wonderful selection of fabulous foods as everyone brought a dish to share and GBU furnished the meats and drinks. Special thanks to Taylor Wolfram , our GBU 510 Princess, for organizing the serving table. We also held a short meeting, primarily to discuss the August 10, 2024, Bus Trip and the GAF “Feed the Workers” event—many thanks to Tom and Marilyn for their gracious hospitality.

On August 10, 2024, District 510 Members and guests traveled to Genitti’s Italian Dinner Theater in Northville, Michigan. Members and guests enjoyed snacks and beverages on the

chartered bus, toured the Whole Hearted Winery in Hudson, Michigan, browsed numerous shops in Northville, then had a seven-course Italian dinner at Genitti’s while enjoying an interactive murder mystery play.

Dinner Theater bus trip

District 510 members cooked and served dinner on the Saturday before the German American Festival for the volunteers performing the festival setup. A big thank you is extended to the kitchen crew and servers for helping with this endeavor.

GBU District 510 held a steak roast before our September monthly meeting. Attendees enjoyed steak, baked potato, salad and a variety of tasty desserts. Many thanks to everyone who helped and special thanks to Marilyn Riedeman for procuring the steaks and to Lynne Shoup for the baked potatoes and corn on the cob. Several GBU logo umbrellas were raffled off.

The Toledo Holzhacker Buam Schuhplattler Gruppe had a busy summer dancing at the German American Festival, Cleveland Oktoberfest and the Bryan Oktoberfest. THB put on their chef’s hats and cooked brats, currywurst, spaetzle bowls and potato pancakes at Bennett’s Orchard in October.

German American Festival

Upcoming District Events

The Children’s Easter Bunny Hop Thru will take place on Sunday, April 13, 2025. Please RVSP Bob Martin (419-277-6479) if you would like to attend.

Monthly Meetings

The first scheduled monthly meeting in 2025 is Tuesday, February 18. We are looking forward to seeing everyone at our future meetings. If you have not attended a meeting lately, please join us for a light dinner and fellowship followed by our monthly meeting. Our regular meetings are held on the third Tuesday of each month at the GAF. The meal is served starting at 6 PM and our meetings start at 7 PM.

- Jacqueline E. Martin, Fraternal Secretary 419-350-6684 or toysrmonica@sbcglobal.net

GAF "Feed the Workers" event

District 630 — Ann Arbor, Michigan

Dear members of District 630,

I would like to wish you all a Happy New Year!

With the new year comes new beginnings. As you know, we had to make the difficult decision to close GBU District 630. However, I am reminded of the quote “When one door closes, another opens.” I encourage you all to continue to participate in national GBU Home Office-sponsored activities and functions, and attend fellow nearby GBU district events. If you have an idea or would like to continue as a small group, please reach out to myself or Laqueeta Coleman, the Great Lakes District Engagement Specialist at laqueeta.coleman@gbu.org

GBU District 630 members can be proud of the work we have done and the deep friendships we have made. Continue to foster those friendships. I am happy to share that the remaining funds of District 630 were donated as follows and made a final impact on many organizations in the community that we have always supported and are very dear to us:

Peace Neighborhood Center: $6,000

Hope Clinic: $2,500

Zal Gaz Grotto Ann Arbor: $1,000

Food Gatherers: $500

Salvation Army: $500

German Park Schuhplattler Gruppe: $500

Operation Troop Appreciation: $500

Peace Neighborhood Center: $150 (Meijer Holiday Gift Cards) GBU Foundation: $1,183.92

Hans Rauer, Dwayne (PNC), Laqueeta Coleman, Susan Weber and Traudel Kummer

- Christina MacKellar, Fraternal Secretary 734-646-9388 or christina.mackellar@gbu.org

Thank you for 100 years of fraternal service & fellowship!

District 684 — Pittsburgh, Pennsylvania

Greetings from District 684!

District 684 — Pittsburgh, Pennsylvania

Greetings from District 684!

The district and its members closed out 2024 with a bang! At our district meeting in September, GBU’s own Laqueeta Coleman spoke on wellness. Her talk was very informative and covered a variety of topics, such as creating realistic fitness habits, finding movement that you enjoy, daily goal setting, rest and recovery and being flexible about unpredictable life happenings. A healthy dinner was served and enjoyed by all members in attendance.

We had our elections meeting in November. We appreciate members who could join us and hope to see a few new faces in 2025.

Finally, we had our annual Brunch with Santa at the South Hills Country Club on December 1, 2024. Over 100 people attended and enjoyed a buffet style brunch, a visit from Santa and fun with Miss Cassidy, a children’s educator, performer and theater artist from The Pittsburgh Cultural Trust.

Upcoming District Events

We are looking forward to our Top Golf outing in February — look for a flyer on this event in January

We are asking district members to suggest ideas for a charitable group to support in 2025. If you would like to nominate a group, please send your suggestions to gmadison1@verizon.net

And last but certainly not least, we are asking for your prayers and good vibes to our Fraternal Secretary Jackie Alaimo, who is having some health issues at the time of this writing. Jackie has been instrumental in District 684 for many years. Her dedication and willingness to help in every aspect NEVER goes unnoticed. She is a joy and a pleasure to all who know her. Godspeed Jackie

Until next time… Fraternally yours, - Sandy Wagner, Sentinal

District 699 — Frankenmuth, Michigan

Fraternal Greetings,

2024 was a year of new beginnings and giving. GBU 699 officers and members worked hard to participate in and promote

District Officers and Laqueeta Coleman present a check at Peace Neighborhood Center (PNC). From left: Christina MacKellar, Raven (PNC), Marianne Rauer,

District 699 — Frankenmuth, Michigan, Continued fraternalism in and around the Frankenmuth area. Here is a list of our 2024 accomplishments.

GBU 699 supported the WinterLauf on February 3, 2024, a winter running event that raises funds for various charities. In addition to volunteering, we will continue our involvement in 2025 and provide a sponsorship to help promote the district through advertising.

On February 18, 2024, GBU 699 hosted a successful indoor puttputt golf and pizza event with 30 participants of all ages. The event was a fun way to bring the community together for a day of recreation and bonding.

During our May meeting, Mustard Seed shared its mission of helping homeless individuals become self-sufficient through training. GBU 699 made an initial donation and has continued to support them with quarterly donations.

As part of the Join Hands Across America event in May, GBU 699 volunteered to clean up a park in downtown Saginaw. The team removed broken bottles, weeds and fishing lines, leaving the park much more inviting for the community.

We focused on supporting the Frankenmuth Fire Department in 2024, through multiple donations. This support highlights the district’s commitment to local heroes.

We donated both time and money to the One Week One Street event, which renovates streets in downtown Saginaw with housing and landscaping in disrepair. The organization works with residents to make repairs and the community benefits from ongoing upkeep and support.

GBU 699 had a booth at the Frankenmuth Bavarian Festival, participating in a Vintage VW show to ensure good traffic. Laqueeta Coleman managed the booth, giving away all the swag and talking about GBU with many people. The event was a success, and we plan to participate again this year.

We supported the Saginaw Commission on Aging with a donation. This organization has helped the elderly since 1973 by providing services that help them live independently at home.

GBU 699 was proud to support the Michigan Heroes Museum

in Frankenmuth. This museum honors those who served in foreign wars. It features over 900 exhibits dedicated to Michigan soldiers, marines, sailors, airmen and astronauts, sharing their stories of sacrifice and service.

We partnered with the Frankenmuth Morning Rotary to donate time and labor at the Frankenmuth Auto Festival. Members helped run food booths, manage the beer tent and assist with takedown, all while spreading awareness of GBU.

GBU 699 members volunteered at the Volkslauf in Frankenmuth, handling registration and post-event clean-up. Additionally, we participated in the Frankenmuth ‘80s Festival, helping with event duties and clean-up.

Last but not least, we hosted a Trunk-or-Treat event at Dixie Motor Speedway, where we handed out candy and GBU swag to thousands of children from across mid-Michigan. Another Trunk-or-Treat event is planned at Hoyt Nursing Home to continue this fun community outreach.

We will end the year with our Holiday Party at Zehnder's of Frankenmuth on the first Saturday in February 2025.

Monthly Meetings

As you can see, GBU 699 is a busy group! We hope to promote fraternalism as well as GBU.

Happy Holidays and New Year to all!

- Dan Pierce, Fraternal Secretary 989-482-9020 or dan.pierce@mail.com

District 701 — Pontiac, Michigan Happy 2025!

This past fall GBU 701 sponsored the DASV Chili Cook-Off and proudly matched the club’s donation to campcavell.org. Thank you to the Home Office for the support!

Shortly after that, the DASV Oktoberfest was a HUGE success. Thanks again to the Home Office for supporting the sponsorship request, as it allowed us to keep things running smoothly.

We held our election of officers for 2025 and welcomed a few new faces to the board.

We’re looking forward to a productive year. Please stay tuned for upcoming GBU-related events and some new charities for our fraternal donations.

Upcoming District Events

Friday, January 10 "Time TBD" - Monthly meeting at DASV

February No meeting

Tuesday, March 4 "Time TBD" - General meeting at DASV

Tuesday, April 1 "Time TBD" - Lottery Winner Day

Monthly Meetings

Please consider joining us at our next meeting, which is usually held the first Tuesday of the month at the DASV. Please contact our Fraternal Secretary to confirm the date and time.

For more information on GBU financial products, please contact Richard !

- Richard A. De Arment, Fraternal Secretary 248-709-4949 or metrodetroitbroker@gmail.com

District 707 — Grand Rapids, Michigan

District 707 was busy in summer and fall of 2024!

On July 13, 2024, we had a Murder Mystery Train Ride from the Coopersville train depot. We had a great time enjoying a train ride on which many of us had not been in a long time! We were served beverages and snacks during the ride.

Murder Mystery Train Ride

Upon returning to Sixth Street Hall, we enjoyed a burrito dinner and played some bingo afterward. A fun-filled day.

At our meeting, we had a speaker from the West Michigan Genealogy Society, which helps teach others genealogy, family history and preserve records. We have chosen it as our quarterly donation recipient.

In August, we had Duane as a speaker from the American Legion Wilwin Lodge at Cygnet Cove in Custer, Michigan. The lodge has a fundraiser for its project called “Bunkhouse,” which will provide a place to stay when visiting to help with projects, clean-ups and Open House benefits. Wilwin Lodge is a veterans’ retreat that provides therapeutic and recreational activities designed to support recovery from PTSD and Traumatic Brain Injury. The tranquil environment is the perfect backdrop for a journey to wellness.

On September 15, 2024, our Oktoberfest dinner/dance was held at Sixth Street Hall.

Oktoberfest

We had a great band— Denny Gramza—to enjoy. Everyone was asked to bring a wrapped new or slightly used gift to auction off. Nancy Borek , our auctioneer and her assistant, Garrett Purron , entertained us during the auction. They sure put a lot of fun into the fundraiser! The fundraiser raised a nice check for the Wilwin Lodge, along with our 50/50’s and donations.

In September, we had Whitney and Colin as speakers to tell us about Special Days Camp. This helps kids with cancer to camp with their siblings. Founded in 1978, the camp has medical staff

on-site during the camp for all their needs. It teaches kids life lessons to be the best people they can be, focusing on the fact that kids need to be kids!

Special Days Camp

Monthly Meetings

Join us on every fourth Wednesday of the month, except for November (which will have a meeting on the third Wednesday due to Thanksgiving). No meetings in December, January and February. We meet at 6 PM at Sixth Street Hall, St. Casimir Aid Society located at 649 6th Street NW.

Any questions, call President Gayle Clouse at 616-540-8876 or Fraternal Secretary Judy Cwiklinski at 616-560-6983.

- Judy Cwiklinski, Fraternal Secretary 616-454-6026 or jcwik227@yahoo.com

District 815 — Dayton, Ohio

The Liederkranz German Picnic was a fantastic success thanks to our many volunteers. As GBU Life and District 815, we were proud to be a sponsor.

Pictured are Christine van Breukelen , Ursula Lower, Barb DeLong and Linda Simpson

Sylvia Gambill and the Eric and Jacie Gambill family look beautiful in their German attire

District 815 — Dayton, Ohio,

Continued

Ella Davidson , Anita Hedeker and Barb DeLong represented us in the Hospice of Dayton Walk. They had beautiful weather and supported an important cause. Thank you!

Upcoming District Events

Please check for upcoming district events in 2025.

Tuesday, January 21 11:30 AM - Meeting: More info to follow Tuesday, February 18 11:30 AM - Meeting: More info to follow Tuesday, March 18 11:30 AM - Meeting: More info to follow

- Christine van Breukelen, Fraternal Secretary 937-885-4784 or wvanbreukelen@compuserve.com

District 821 — Sterling Heights, Michigan

Greetings!

Our busy summer started with the Day at the Zoo on June 29, 2024, which was organized by our dedicated GBU representatives Mary, Karen and Laqueeta . All of us who attended the event were very pleased! It was a beautiful day to meet with other districts and enjoy the animals.

Our annual GBU picnic was held on July 14, 2024, which also happened to be President Edith Kuplent ’s birthday! It was a beautiful sunny day at the grounds of St. Peter’s German Church, with food, games and singing.

On July 19, 2024, we had a Pizza Night, with entertainment, board games, card games and a cornhole tournament! Burkhard Kniep encouraged all of us to play at each of the three cornhole stations and kept score as the teams battled it out to the finish. It was quite an exciting time for all who participated!

The DASV had their Schützenfest on July 29, 2024, and we (our GBU group) appreciated seeing Laqueeta and her two daughters

there, with a nice display table of GBU brochures and products. I invited her to do the same for us at our GBU District Anniversary on November 4, 2024. It was a beautiful day with music and fun!

The annual Deutsche Tag celebration was on August 11, 2024. Entertainment was provided by the Michigan Singers Society, which included the GBU Choir, singing the national anthems of Germany, Austria, Switzerland and the USA, along with two wellliked folk songs. The Carpathia Youth Group also performed a few dances.

Our Fall Fest on September 20, 2024, offered GACC members appreciation with gratitude given to all for the hard work and dedication offered by so many. The catered food was enjoyed by all who attended. We naturally enjoy keeping our goals of preserving the culture and traditions of our ethnicity going.

Celebrating GACC members with gratitude for their hard work

We practiced hard for the GBU Saxonia Rheingold Concert on November 3, 2024. It was a pleasant Sunday afternoon with coffee, tea and cake, accompanied by a variety of German and English songs.

On October 6, 2024, we celebrated German American Day at the GACC hall honoring Heidi Wolff, our German American of the Year. We had a full house of guests who enjoyed the excellent variety of food that was beautifully displayed.

German American Day

After dinner, we had many delectable choices of desserts to enjoy as well! Accordion entertainment was provided by Helmut The flags of GACC and our 11 affiliated clubs were displayed along the wall. The Carpathia Kindergruppe performed a couple of dances for us to enjoy.

The Michigan Singing Society sang the German and American National Anthems, followed by two folk songs.

- Marianne Krenzer, Fraternal Secretary 586-776-7058 or mekrenzer@hotmail.com

GBU representatives Laqueeta , Karen and Mary hosted an incredible day at the zoo

GBU Picnic

District 1000 - Lutheran Fraternities of America (LFA)

Dear Members,

“Kindness is like snow - it beautifies everything it covers.” - Kahlil Gibran.

Membership News

39th Annual Concordia Food-A-Thon: This was Richard Hallgren’s favorite charity and fundraiser of the year. He loved driving down to the seminary and getting to talk with the staff, students and future pastors there. Rose Penzien has continued the tradition, and it is something that the seminary students also look forward to. They are so appreciative of the donations and the support that our district provides them. You should have received a flier in the mail with a return envelope. GBU will be matching up to $5,000 in donations sent in by our members.

District 1000 awarded $500 scholarships to three deserving college students to assist them in their college journey. The recipients were Emily Drost (Wayne State University), Capri Kloha (Saginaw Valley State University) and Christopher Kloha (Michigan Technological University). Congratulations on your scholarship award!

Upcoming District Events

(Events might be subject to change)

We will be working on events for us to participate in. If you have any ideas that you want to share, please let us know.

LFA #57 Annual Chili Cook-Off: On Monday, February 3, 2025, we will have our annual Chili Cook-off. Longtime member Joanne Gerds was last year’s winner. This year members will bring in their chili recipe to see if they can topple the reigning champion. Right after our membership meeting the tasting will begin. Will the winning chili be an old family recipe, a tried-and-true cook's favorite or a brand-new concoction that was just made up for this competition? The judges will be tasting and voting but every member gets to pick a winner too. The only way you will know who won the popular vote and the judge’s vote is if you join us on Monday, February 3, 2025, at 6:30 PM. Come enjoy a bowl of hot chili on a cold February night with your LFA #57 family.

LFA Chili Cook-Off

LFA #57 Super Bowl Watch Party: On Sunday, February 9, 2025, LFA #57 will host a Super Bowl Watch Party. Everyone loves the Super Bowl and we here at the LFA #57 will love it even more if Detroit is in it. At the time of publication submission, we were leading the NFC North with a 6-1 record and had a good chance of making the playoffs. No matter who is in the Super Bowl, a good time will be had by everyone in attendance. Good food, drinks and opportunities to win at raffles and squares payouts at each quarter will keep the evening exciting.

LFA #57 March Madness Contest: No, you don’t have to fill out a bracket or know anything about basketball to enter our contest.

The excitement will build right up to Monday, April 7, 2025, at our March Madness Party on the night of the finals game. Text or call 248-632-3313 for more information on how to enter. Don’t miss out on your chance to win big and have some fun!

Relay for Life: This will be held on Saturday, May 3, 2025, at the Chippewa Valley Ninth Grade Center. As the date gets closer, we will send out a flier with more information and ways that you can support our Relay for Life Team.

Jimmy John’s GBU at the Ballpark (Mel Ott Lutheran Night): SAVE THE DATE to join us on Friday, August 8, 2025, at 6 PM. Members cost TBD, which includes a buffet meal, two beverage tickets, grandstand seating and a group photo on the field.

Reminders

We have “gently used” wheelchairs/walkers available for pick up at our district office at no cost for anyone in need.

LWML is collecting canceled postage stamps for their Stamps for Mission Program. Simply cut off the canceled stamp from the envelope and bring it to the next function and we will see that it gets to the LWML.

If any members have any suggestions or ideas for events that they would like GBU to consider, please feel free to let us know. We want to encourage more members to get involved and attend events. Let us know what activities you would like District 1000 to host. Please feel free to call 586-677-2020.

District Meetings

A District Officer’s Meeting will be held on Wednesday, February 5, 2025, at 6:30 PM via Google Meets.

For information regarding life insurance, annuities such as IRAs, Roth IRAs, etc., please call 586-677-2020 or fax 586-6772050 and your agent or a representative servicing your area will contact you.

“Christian Volunteering Is Contagious.”

- Stacia (Penzien) Zarzycki, Vice President 586-677-2020 or smpenzien@yahoo.com

LFA Super Bowl Watch Party

District 2000 - United Lutheran Society (ULS) 2024

Assembly 2A members in Hazleton, Pennsylvania, collected items for victims of Hurricane Helene and Milton. Items were blessed at the church and then transported South.

Assembly 62 in Hermitage, Pennsylvania, held its General Membership Meeting in September. Members decided to donate funds to local charitable organizations, including Meals on Wheels, Toys for Tots and the Community Food Warehouse. In addition, the group agreed to repeat their annual Election Bake Sale Fundraiser in November.

After

District Officer Charlie Kilgore presents another $100 check to Will Jacobs , winner of our 3rd quarter drawing. Will ’s son Beckett looks on with all smiles as the winnings were used to purchase pumpkins at the pumpkin patch. These drawings are selected from member registrations from those attending meetings and events. Make an effort to attend your assembly’s next function, and you could be our next winner!

District Bowling Tournament Reminder for 2025!

Our annual Bowling Tournament will be held on Saturday and Sunday, April 26-27, 2025, at the Hollywood Casino in Washington, Pennsylvania. Members and guests will have the option to bowl in any 3-game event or participate in all events on both days. If you haven’t attended a previous tournament and are interested in joining the fun, send me an email at jdhauser1@comcast.net or call 724-953-8287, and I will send registration info once all details are confirmed.

‘til next time!

- Jerry A. Hauser, Treasurer 724-953-8287 or jdhauser1@comcast.net

District 3000 — Hungarian Reformed Federation of America (HRFA)

Meet Timea Szep, District 3000 Treasurer and 2nd Vice President

Timea Szep in Transylvania

Timea Szep’s journey with HRFA began in 2006 when she first accepted the role of Cultural Correspondent. Through this position, she shared news of Hungarian cultural events and traditions that she either organized or participated in. Over the years, Timea’s involvement with District 3000 has grown and today, she serves as

Pictured are Emil Straka, Holly Ciotola, David Martin, Charlotte Luton, Alice Hoffman, Stephanie McCullough, Janice Romanchik and Ivy Wilcko

Standing are Diane Antel, Ronee Lucas , Gabby Lucas. Sitting are Ruth Klein, Ron Tomko and Wendy Hawthorne Tomko Attendance Drawing Winners

Holly Ciotola (left) and Stephanie McCullough (right)

their brief meeting, Assembly 2A Fraternal Secretary Holly Ciotola presented Stephanie McCullough with a $100 check. Stephanie was our 2nd quarter cash prize winner in the attendance drawing by participating in her local assembly activities.

District Officer Charlie Kilgore (left) and Will Jacobs (right)

District 3000 — HRFA, Continued

the 2nd Vice President and Treasurer of the district. Her commitment to the district, its mission, combined with her collaborative spirit, makes her an invaluable district officer.

In a recent conversation, Timea shared her reflections on her family’s experience with GBU membership, which spans over 17 years. She fondly remembers the many cultural programs supported by District 3000 that her family has enjoyed. "We have so many nice memories from all the cultural programs that District 3000 has supported throughout the years," she says.

“Cultural programs are of special interest to me. As the Hungarian Cultural Program Director at Bethlen Communities in Ligonier, Pennsylvania, I learned a lot. I used to organize the Farsang Carnival, Hungarian Dance performances at Bethlen’s Hungarian picnic, Easter Egg Decorating classes, St. Nicholas Day celebration, Hungarian Revolution Commemoration and the Hungarian Photo Art Expo. One year, my husband and I had volunteered at the Smithsonian Festival in Washington, D.C. when one of the featured countries was Hungary. We also volunteered at the Hungarian Festival in Toledo, where we helped with the GBU table and handed out information about insurance, annuities, scholarships and social programs.”

Timea also highlights how these events have had an impact on her children, saying, “These events were significant in my children’s lives because they got to learn and experience a few of our Hungarian traditions. They learned important lessons also shared by GBU, including learning to help others and giving back to our community.”

Timea continued, “There are so many benefits of being part of the GBU family- knowing that the organization values our heritage and culture. It is a reassuring feeling as a Hungarian immigrant in America that GBU and America are so welcoming to all nations. The most rewarding and joyful experience with GBU for us was the opportunity to organize Hungarian events, keep the traditions alive and educate my children and the rest of our community about our beautiful culture.”

Reflecting on her personal growth within GBU, Timea appreciates others for their guidance and support. "I was initially introduced to the organization by the belated Rev. Imre Bertalan before the merger of HRFA and GBU in 2011," she recalls. " Rev. Bertalan encouraged me to get involved with HRFA (GBU District 3000) while I was working at the Hungarian Cultural Center at Bethlen Communities. He and Rev. Leslie Martin, along with the current leadership, have been instrumental in my development as a leader."

She also acknowledges the ongoing support she receives from fellow district officers. "Current District 3000 President Jonathan Naser and Fraternal Secretary Dr. Melissa Pepin are encouraging and great collaborators," she shares. "And Mary Koczan from the Home Office has always been so helpful and supportive, guiding me through my roles, whether as The Reporter correspondent or now as Treasurer."

Timea expressed her appreciation for GBU’s support of Hungarian communities. "I would like to thank GBU for supporting the Hungarian communities and for appreciating our work. It is very important to keep our culture alive, but it would be harder without the support GBU has to offer."

Thank you, Timea Szep, for your dedication and support and your willingness to serve as an officer of District 3000-HRFA. We wish you all the best as you continue your service to our GBU District 3000 members.

- Rev. Leslie E. Martin, Past President

MAKE-A-DATE

Please check with one of the officers of the district to confirm whether or not an event is cancelled.

Date District Event

JANUARY

10 701 (MI) Monthly meeting at DASV, TBD 21 815 (OH) More info to follow, 11:30 AM

FEBRUARY

3 1000 (MI) LFA #57 Annual Chili Cook-Off, 6:30 PM 5 1000 (MI) District Officer’s Meeting, 6:30 PM 9 1000 (MI) LFA #57 Super Bowl Watch Party 18 510 (OH) First scheduled monthly meeting, 6 PM 18 815 (OH) More info to follow, 11:30 AM

MARCH

4 701 (MI) General meeting at DASV, TBD 18 815 (OH) More info to follow, 11:30 AM 31 45 (PA) Spring Pie Sale orders due

APRIL

1 701 (MI) Lottery Winner Day, TBD 7 1000 (MI) LFA #57 March Madness Contest 12 45 (PA) Spring Pie Sale orders available 13 510 (OH) Children’s Easter Bunny Hop Thru 26 2000 (PA) District Bowling Tournament 27 2000 (PA) District Bowling Tournament

MAY 3 1000 (MI) Relay for Life

AUGUST

8 1000 (MI) Jimmy John’s GBU at the Ballpark, 6 PM

Teaming up with the American Heart Association to Train Life-Saving Heroes

-Leeanna McKibben, Board Chairperson for the American Heart Association, Greater Pittsburgh

According to research, seven in ten Americans feel powerless when faced with a cardiac emergency. As a result, less than half of those who need cardiopulmonary resuscitation (CPR) receive it from bystanders before professional help arrives. Immediate CPR can double or even triple a cardiac arrest victim’s chance of survival.

To address this, the American Heart Association and GBU Life are collaborating to increase access to CPR training. The goal is to empower bystanders to become lifesavers by offering hands-only CPR training and educational resources in some of Pittsburgh’s most under-resourced neighborhoods. This initiative aims to close gaps in bystander CPR rates and save more lives from sudden cardiac arrest.

With support from GBU Life, a mobile Hands-Only CPR Kiosk will be placed at The Kingsley Association in Pittsburgh’s East End. Over the next three years, the kiosk will rotate to different locations annually, training people in Hands-Only CPR. The Kingsley Association will be the first

community organization to host the kiosk. “We are thrilled to partner with the American Heart Association to bring the first-of-its-kind mobile hands-only CPR kiosk to the Kingsley Center in Pittsburgh,” said Lesley Mann, Chief Marketing Officer at GBU Life. “This innovative program will empower our community with life-saving skills, making it easier for everyone to learn hands-only CPR quickly and effectively. By providing this accessible and essential training tool, we are enhancing community health and safety and encouraging everyone to be prepared to be able to save a life!”

More than 350,0000 people experience cardiac arrests outside of a hospital each year in the United States, including 23,000 children. Unfortunately, 90% of the people who have a cardiac event outside of a hospital do not survive. CPR is a critical skill that kids as young as 9 years old can learn. According to recent studies, Black adults and other historically underrepresented racial and ethnic groups are less likely to receive bystander CPR. Additionally, women are 22% less likely than men to receive CPR and survive a cardiac arrest due to fear and other factors,

including a lack of knowledge.

“In order to save more lives, we must increase the number of people who respond to cardiac arrest by calling 911, delivering high-quality CPR and getting and using an AED as soon as it is available, said Leeanna McKibben, Board Chairperson for the American Heart Association Greater Pittsburgh. “We are pleased to have GBU Life and the Kingsley Association join us on this mission to build a nation of lifesavers. We need more companies to commit to making CPR awareness and education a permanent fixture in all communities across our region.

Hands-Only CPR is chest compression-only CPR. Science has shown that following a witnessed cardiac arrest of a teen or an adult, compression-only CPR can be equally effective in the first few minutes of emergency response. If a teen or an adult suddenly collapses, witnesses should immediately call emergency services and begin chest compressions at a rate of 100-120 beats per minute and a depth of at least two inches.

The American Heart Association encourages everyone, regardless of where they live, to take 90 seconds now to learn how to save a life at www.international.heart.org/en/hands-onlycpr

FRATERNAL ADVENTURES

Autumn and the holiday season that follows are always great times of giving at the GBU Home Office.

This fall, we showed support for one of our Community Grant Award winners, the Allegheny Community Library, at its annual “Fall for Your Library” fundraiser. Teams from GBU participated in Making Strides Against Cancer walks in Pittsburgh, PA, and Ann Arbor, MI.

In October, Jennifer Stockdale, GBU’s Director of Communications and Community Development, was elected as president of the New Jersey-New York Fraternal Alliance.

Lesley Mann, Chief Marketing Officer, was elected second vicepresident of the Pennsylvania Fraternal Alliance. Joining her on the board are GBU Communities Leader Mary Koczan and Charitable Giving Specialist Ken Elliott.

For every third down stop during the season, GBU donated $100 to the American Cancer Society, for a total of $15,000.

IGBU’s new Chief Operating Officer, Wil Lombardi, accepted the game ball and presented the Student Athlete Community Service Award at the GBU-sponsored military appreciation game on November 9.

GBU was honored to have an opportunity to speak about our partnerships with both The Challenge Program and Ronald McDonald House Charities at their annual events.

GBU was honored with a Luminary Award from long-time community partner Cancer Bridges during its annual Light Up Gala.

In honor of Veterans Day, GBU employees gathered at the Home Office for a special Veterans Day program with GBU Chief Operating Officer and United States Marine Corps veteran Wil Lombardi.

Major General Jason Kamiya and U.S. Army Reserve Officer and Battalion Commander Lisa Jaster, PMP, were guest speakers during the program.

COMMUNITY CONNECTIONS

NIGHT the LIGHT

The Leukemia & Lymphoma Society® (LLS) is a global nonprofit helping the fight against blood cancer. Their fundraising campaign, Light the Night, is a walk honoring blood cancer survivors and those lost to the diseases.

Since 1993, $1 billion has been raised through Light the Night efforts.

“A few years ago, my best friend’s father was diagnosed with leukemia. After a hard-fought battle, he unfortunately passed away. This is our fourth year being involved in this event. I hope that we can continue to grow our team in the years to come. We want to remember Walt and all those who have lost their battle, are currently battling or who have survived,” shared GBU member Shelby Taylor.

If you are working to raise funds for an organization that impacts your local community, GBU will match the funds you raised up to $1,000 per GBU insured member and $500 per GBU social member in a fivemember group (maximum $5,000 per group).

The maximum amount an organization may receive each year is $20,000. The funds matching must be for a qualifying 501(c)(3) organization that impacts your local community. The organization must have a listing on Charity Navigator. Learn more at gbucares.org/give-back-groups.

GBU + OTA

GBU + TEP

Finalists will be notified in late January 2025. Vote for your favorite organization in each category from February 1 to February 28, 2025. The winners will be announced in March 2025. Thank you for your contributions!

Presented by

HOW IT WORKS

BIRTHDAYMatch

Make a charitable donation to a 501(c)(3) organization on your birthday, and GBU Life (GBU) will match it, up to $100! To qualify, simply upload a receipt or screenshot of your donation and submit an online application to GBU within 60 days of your birthday.

TOTAL RAISED THROUGH BIRTHDAY MATCH IN 2024

For more information or to submit an application, visit gbucares.org/BIRTHDAY-MATCH. JANUARY FEBRUARY MARCH

$105,262 $105,262

How about a Birthday Match reminder?

Email memberbenefits@gbu.org with your name and birth month, and we will send you a reminder during the month of your birthday!

Start a Facebook birthday fundraiser, and GBU will match what you raise, up to $250!

Notes from the Home Office

UPCOMING HOLIDAYS

The GBU Home Office will be closed on Monday, January 20, 2025, for Martin Luther King Jr. Day, and Monday, February 17, 2025, for Presidents’ Day.

FALL 2024 AUTUMN CROSSWORD PUZZLE WINNER

GBU wishes to recognize the most recent fraternal puzzle contest winner:

Lucky $25 Tango Gift Card Winner

Jennifer R.

Please remember, to be eligible for a fraternal prize and recognition in the fraternal puzzle drawings, the participant must be a GBU member who is 10 to 14 years old.

For privacy reasons, only the first name with last initial will be listed.

FALL 2024 AUTUMN CROSSWORD PUZZLE ANSWERS

CHARITABLE DONATIONS

OPERATION REACH OUT DONORS

Michael E. Angelo and Debra A. Angelo

John C. Blaha and Deborah L. Blaha

Elfriede M. Bruns

Robert A. Deak and Stephanie F. Deak

Jeanette S. Eggers and Richard C. Eggers

A.B. Errett and J. C. Errett

Catherine M. Galati

Larry J. Gasior and Kathleen E. Gasior

GBU District 45 — Altoona, PA

GBU District 146 — Johnstown, PA

GBU District 291 — Summerhill-Lilly, PA

GBU District 510 — Toledo, OH

GBU District 630 — Ann Arbor, MI

GBU District 821 — Sterling Heights, MI

GBU District 2000 — ULS

GBU District 4000 — Sokol USA

David Robert Geisert and Kathryn A. Geisert

Pearl Mary Goetsch

Lon and Mari Grimm

Darlene K. Hadix

Holy Trinity Lutheran Church of Union, NJ

Eileen E. Hulme

Annemarie Kopp

David L. Miller and Nancy L. Miller

Frances J. Olyarnik

Donna L. Povich and T. Povich

Harold E. Ranke and Norma J. Ranke

Cecelia Rostas

Edward J. Shearer and Arlene C. Shearer

Slovak Gymnastic Union Sokol Lodge 12

Richard W. Snyder II and Lori J. Snyder

Thomas J. Swab and Michael T. Swab

Martha M. Tejchman and Ronald L. Tejchman

Emil M. Trgala

Thomas R. Wesling

Cynthia Wesneski

Gerald L. Whims and Judith A. Whims

William A. Wright and Pamela Wright

CHARITABLE DONATIONS - DAY OF GIVING

FOUNDATION BUILDERS ($500+)

Anonymous

Mary Ann Berty

Mark Cloutier

Lesley Mann

Richard P. Musko in memory of Daniel E. Musko

William Stack

FOUNDATION PARTNERS ($250+)

Robert T. Bistarkey

Leslie Martin

John Swanick

Christine van Breukelen in honor of Celine & Rusty's wedding

FOUNDATION FRIENDS ($100+)

Diane Allison

Mark Aul

Joseph Bielecki

Matt Blistan, Jr.

Joseph Carpenter

Shirley Cochran

John F. Conklin

Todd Fennick

James and Donna Foss

Diane Gallagher

Joanne Giovannini

Steve Guidas

Lea Ann and William Hazi

Jeanne Hunt-Fujioka

Carolyn Klohe in memory of Edna, Charles, Sr. (Bob) and Charles, Jr. (Chick) Klohe

Marianne Krenzer

William Lombardi

Jackie, Bob and Monica Martin

Jerilyn McCollum

Mark Mikkalson

Joann Naser

Donna M. Pagel in memory of Ted Pagel

John B. Schmotzer

Jennifer Stockdale

Doug Strott

YOUNG PHILANTHROPISTS

Zayvion Burns-Elliott

Daisy Stockdale

Roman Stockdale

Benjamin Tarkanyi

2024 DAY OF GIVING DONORS

Anonymous

Steve and Jan Alpert

Felicia Altenburg

Harry Bartolowits

Kathleen Boykin

Shari Bruce

Elaine Cannon

Bruce Carson

Cathy and Robert Chirdon

Phil Crouse

Rachel Cummins in honor of Florence

Ella Davidson

Kenneth Elliott in honor of Mrs. Mary Ann Berty

Thomas Emricko

GBU District 146 — Johnstown, PA

GBU District 701 — Pontiac, MI

GBU District 707 — Grand Rapids, MI

GBU District 815 — Dayton, OH

GBU District 3000 — HRFA

Erika Gentner in memory of Fritz Gentner

Jenna Giordano

Cheryl Graziano

Rosemarie Haas

Leotis Hamilton

Gary V. Herb

Natasha Herleman

Ruth A. Klein in honor of Jacob and Lauren Klein

Mary Koczan

David G. Koett

Casey Kreutzberg

Gordon Loose

Carolyn Mader

Elizabeth L. Martin

Jennifer McCay

Herb Moering

Sonomi Morgan

Bracken Murray

Jon Naser in honor of Jackie Alaimo

Jon Naser in honor of Cindy Yarsky

Stacey Nowe

Nuremberg Community Players Inc. in memory of Emerson Lindenmuth

John D. Peters and Agnes C. Peters

Jerome Pino

CHARITABLE

DONATIONS - DAY OF GIVING, CONTINUED

2024 DAY OF GIVING

DONORS

William Pulcine

Claudia Rednak

Christine Rodriguez

Breanna Salvio

Robert Schoeppner

Jacob Schupp

Bobbi Sedor

Nancie Seifert in honor of Lucia and Palmer

Simplicity Pittsburgh

Kaitlyn Smith

Justin Sonon

Michael Staar

Stephen Tambolas

Kathy Thomas

Susan Y. Toth

Karen J. Ulrich

Sandra M. Wagner

Susan Weber

Lois Wholey

GBU FOUNDATION DONORS

Carol M. Clement +

GBU District 402 — Minneapolis, MN

GBU District 630 — Ann Arbor, MI

GBU District 817 — Philadelphia, PA

GBU Life

Betty J. Gioiello in memory of Mario Gioiello

IOV Past Grand Chiefs Club in memory of Dewey Bringedahl

Gina and Jeff Tallman in memory of Mario Gioiello

UK Online Giving Foundation

+Deceased

Thank you to everyone who contributed! We raised $39,578 for community grants and scholarships.

A NOTE FROM OUR FALL REPORTER

We would like to clarify that newly elected GBU board members Joseph Bielecki, Frank Bria and John Swanick will be serving four-year terms on the GBU Board of Directors. GBU Board of Directors elections are held every two years.

DOUBLE DONATION RESULTS

The results from our double donation campaigns are in! For the Stock the Shelves initiative, $1,780 was donated to local food pantries. In addition, May’s Military Support campaign contributed $1,592 to organizations supporting the military.

We extend our heartfelt congratulations and gratitude to Bob Schoeppner and Cindy Yarsky as they are preparing to retire after their dedicated years of service to GBU.

Bob joined us in 2022 and, over the past two years, has made a meaningful impact in his roles as a Sales Engagement Specialist and Relationship Manager. As he retires in December 2024, we celebrate his contributions and thank him for his commitment during his time with us.

Cindy’s extraordinary career spans 43 years, beginning in 1982. Throughout her journey, she showcased incredible versatility, taking on roles in various departments, including Underwriting and New Business, while also supporting the Service teams. As she prepares to retire in January 2025, we honor her decades of unwavering dedication and impactful service.

To Bob and Cindy, thank you for your hard work and the lasting legacies you leave behind. We wish you all the best as you begin this exciting new chapter of your lives!

Reader Service Form

To obtain information on GBU products or member benefits, please check items of interest listed below. Please note that we do not have brochures for all member benefits. You may be redirected to our website to access some member benefit information. To make a charitable donation, please fill in the appropriate portion of this form.

PLEASE PRINT.

PRODUCTS

Life Insurance

Select Choice Term Life Insurance Youth 3 Pay Life Insurance

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Annuities

Asset Guard Fixed Index Annuity

Future Flex Fixed Index Annuity

Asset Guard Multi-Year Guaranteed Annuities

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Future Flex Single Premium Immediate Annuities

IRA O ptions

Coverdell Education Savings Account

MEMBER BENEFITS

Discounts and Points Programs (Online Only)

VIP Perks! by Entertainment ® Optimity

Charitable Donation Programs

Give Back Groups One Hour at a Time

Birthday Match

Youth and Education Programs

Give Back University Scholarships/Grants

Team to Team Activity Sponsorships Sage Tuition Rewards ®

High School Freshman Grants

Virtual Member Benefit Programs

Kids’ Night Fitness

Game Night Current Interest Podcast Series

Driver’s Safety Course

Language Learning Program

ScriptSave ®

ScriptSave ® for Pets

LawAssure Online Legal Services Newborn Child Beneﬁt

Fraternal Puzzle Drawing Entry (Members Ages 10–14)

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DON’T MISS YOUR CHANCE TO VOTE IN

GBU’S COMMUNITY GRANT AWARDS

FEBRUARY 1–28, 2025 .

Vote for winning nonprofit organizations in each category of our four Community Pillars—Wellness, Education, Charitable Giving and Hometown Hero Support.

Be sure to vote and ask your friends and neighbors to help select the most deserving nonprofit organizations by going to gbu.org/foundation.