The Reporter Spring 2024

Spring 2024

Notice of 2022 Election for GBU Board of Directors

GBU.ORG

Notice of 2024 Election for GBU Board of Directors

SAGEScholars®

Helping your child achieve their college goals

Tuition Rewards gives added value for you as a GBU member

SAGE Scholars Tuition Rewards®

Saving for college is one of the most prominent challenges families face today. The SAGE Scholars Tuition Rewards® program, offered through GBU Life, reduces financial stress and provides a simple and effective way for your family to send a child or loved one to college.

Enrolled GBU members earn SAGE Scholars Tuition Rewards Points to help offset the financial burdens of a four-year undergraduate degree at SAGE Scholars network colleges and universities.

What a terrific perk! Every dollar counts, and the number, quality and diversity of schools that have partnered with this program is really impressive.

Fred M. | Pittsburgh, PA

Get a step closer to your family’s college savings goals

Enroll in GBU’s SAGE Scholars Tuition Rewards Program today

Tuition Rewards

GBU members earn Points every year they are a part of the SAGE Scholars Tuition Rewards program.

Students

GBU members can sponsor children, grandchildren, nieces, nephews, stepchildren, and godchildren.

Large Network

Tuition Rewards can be used at SAGE Scholars network of over 450 colleges and universities nationwide.

Reporter

The is the official publication of

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: Nancy Kurutz

Assistant Production Editor: Timothy Rodman

Art Director: Rachel Cummins

Design and Layout: Steve Guidas

Contributing Writers: Anna Meek, Jennifer Stockdale, Rachel Cummins, Natasha Herleman, Mary Koczan, Steve Guidas, Ken Elliott, Bob Schoeppner, Laqueeta Coleman, Timothy Rodman and Karen Ferguson

Chief Executive Officer William W. Hunt

Sr. VP/Chief Marketing Officer Lesley B. Mann

Sr. VP of Administration Deborah Morgan

Sr. VP/Chief Financial Officer Mark Cloutier

AVP Head of Compliance and Human Resources Antoinette Blair

Chairman of the Board Lea Ann Hazi

David E. Bevins

Joseph S. Bielecki

Donna L. Brophy, FICF

William W. Hunt, CEO

Christina MacKellar, CPCU, CIC

David L. Pringle

John B. Schmotzer

To receive The Reporter digitally and discontinue receiving it by mail, send an email to memberbenefits@gbu.org. In the subject line, type “I Want to Go Green.” Provide your name, email address and mailing address in the body of the email. 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.

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.

Monday–Friday: 8 a.m.–5 p.m. ET

Saturday and Sunday: Closed

As we head into the spring and second quarter of 2024, GBU is making significant progress in multiple areas. We're moving forward with purpose, from developing our new Fixed Index Annuity (FIA) product to launching fresh Customer Experience initiatives, boosting advertising and brand awareness, and expanding our member benefits programs. I'm thrilled to share that we already see positive outcomes in these efforts, reinforcing our commitment to delivering for our members.

As promised, we've rolled out our latest products, the Future Flex and Asset Guard Fixed Index Annuities, designed with your financial security in mind. These annuities offer you the chance to earn more while protecting your downside risk –perfect for navigating the current uncertain interest rate environment. You can choose from three indices and a fixed interest option, allowing you to tailor your growth strategy and spread your premium across these options for even greater earning potential. If the indices don't perform as expected and decline, your account stays safe and sound. To learn more, head over to our website or chat with your agent – they'll be happy to fill you in on all the details!

As part of our further commitment to maintaining GBU's best-in-class perception among our members, we have created a Customer Experience team and a Customer Experience Initiative Group within GBU. The Customer Experience Initiative Group has representatives from all areas of GBU who have come together to implement improvements that help to progress the experiences for our members, producers, and employees. The newly created Customer Experience team will work to develop better processes, forms, and automation across the company.

If you are a Pittsburgh Steelers fan, you will be very excited about our latest life insurance campaign as we partner with one of Pittsburgh's most loved players, Cam Heyward, as he talks about his experience with life insurance. Additionally, we will be working with Cam on some projects for his foundation, Heyward House, which supports underserved youth in our community. We are also continuing our partnership with the University of Pittsburgh as we team up to raise money for the American Cancer Society and reward Pitt student athletes for their volunteerism in Pittsburgh and their home communities.

GBU is very excited to be adding two new member benefits this year. LawAssure, launched on March 1, is an online legal service allowing members to create and file simple legal documents such as a will, power of attorney, trust and medical directive. Empathy, which will launch soon, offers services for those mourning the loss of a loved one, such as grief counseling, funeral planning, account closure, estate administration, and much more. This benefit will be provided both for GBU members and beneficiaries of GBU members at the time of claims filing, so you can rest assured that your loved ones will have access to these incredible services and the death benefits provided by your GBU products.

I'm incredibly proud of the GBU Community Engagement team for the tremendous success of the Community Grant Awards program launched during the fourth quarter of 2023. The overwhelming engagement from our members and communities in the nomination and voting process was truly inspiring. You can check out the list of winners in this issue's Give section. Additionally, we're thrilled to see the remarkable growth of our matching program, Give Back Groups, since its inception in the fourth quarter of 2021. It has far surpassed our expectations, and we couldn't be prouder of the enthusiastic involvement of our members in supporting numerous causes within their communities. To ensure that as many members as possible can benefit from the program, we've made some enhancements detailed in the Give section of this issue.

As always, a big thank you for being part of the GBU family! My team and I are thrilled to keep things new and dynamic for you, all while delivering the secure financial products GBU is known for. With a fantastic kick-off to 2024 behind us, we're eagerly anticipating a year full of opportunities to elevate our member experience even further. Here's to an exciting journey ahead together!

Lesley Mann Chief Marketing and Distribution Officer

DEVELOP YOUR FINANCIAL PLAN

DEVELOP YOUR FINANCIAL PLAN

GBU members know how to prepare ...

Do I need my sunglasses, umbrella or snow boots on this spring morning? Will my 10-mile commute take 15 or 45 minutes? Is that pothole a little bump on the road or a sinkhole waiting to swallow my car?

We ask these questions every day as we prepare to go outside with our sunglasses, umbrellas, snow boots, podcast playlists and ... grappling hooks. But, of course, as a GBU member, you know there is one more tool you can add to your toolkit to prepare for the road ahead—life insurance!

In addition to helping provide financial security for those you love most, GBU’s Secure Series Whole Life coverage helps you with life’s difficulties along the way by accumulating cash value that you can borrow in case of, well, a rainy day. With a wide range of face values and payment terms, you can purchase a policy that meets your needs and budget now, with the ability to purchase additional coverage during certain periods of your life with the Guaranteed Purchase Option Rider.

Ready to add a Secure Series Whole Life policy to your plan to be prepared? Talk to your agent, or visit gbu.org, and click on Request an Appointment to match with a great GBU agent in your area!

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. Payment of dividends is not guaranteed as the assumptions on which they are based are subject to change. Loans and withdrawals taken against a permanent life insurance policy will reduce the death benefit and may result in a taxable situation. Riders are optional and have additional fees associated with them. Policy and features are subject to approval and may not be available in all states. Please see policy and rider 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: ICC20-WL, FL20-WL.2, ICC20-SPWL, FL20-SPWL.2, GEN20-WL, GEN20-SPWL, ND20-WL, ND20-SPWL GBU-Reporter-AD-0224

Spring Mystery Trivia

Ready for anything? Our spring mystery trivia will keep you on your toes!

Test your knowledge and speed with this season's online game.

Monday, April 15 - Friday, May 10, 2024

HOW TO PLAY

Go to inside.gbu.org/trivia, starting on Monday, April 15, 2024, at 8 AM ET, and click on the link to the game.

Answer trivia questions about a variety of subjects (it’s a mystery!). 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, May 10, 2024, at 4 PM ET.

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

Only one entry permitted per GBU member. Tango gift cards will be awarded digitally via email. See official rules posted on the game site prior to gameplay.

MAKE THE MOST OF YOUR RMD

.

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 at gbu.org

Maximize your RMD’s impact through charitable donat ions or life insurance.

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 child or grandchild becomes a GBU member and remains a member 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 to help your child or grandchild secure education loans, make mortgage down payments or weather 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.

MAKE A DONATION TO THE GBU FOUNDATION

Your qualified charitable distributions can satisfy all or part of the amount of your RMD from your IRA. For example, if your 2023 RMD was $10,000, and you made a $5,000 qualified charitable distribution for 2023, you would have had to withdraw another $5,000 to satisfy your 2023 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 an acknowledgement letter of the amount donated.

Let your tax preparer know that you made the donation. It will need to be reported on your 1099-R form, 1040 form and form 8608 with your 2023 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: ICC19Y3Pay, FL20-Y3Pay.

GBU-RMD-0324

Still Watching Over Them

As a building contractor, Nicolas Virgen saw the rationale for getting life insurance for himself. It was their insurance professionals, however, that showed the couple how important it was to also insure Teresa, a stay-at-home mom.

Tragically, a hit-and-run driver slammed into the family’s truck while they were driving home one evening. Teresa did not survive the accident. Nicolas is certain they would have lost their home without Teresa’s life insurance. It allowed them to pay bills while Nicolas was recovering from his injuries, and it will help with college expenses for the children.

Nicolas Virgen with his children (from left) Gabriel, Susana and Mayra

What Transactions Trigger Them and When to Expect Them?

When it comes to taxes, navigating the various forms can be daunting. Two important forms to understand are IRS Forms 1099-R and 5498, which report different types of financial transactions to the IRS. Let’s delve into what triggers these forms, when to expect them and what they mean for you as a taxpayer.

IRS Form 1099-R: Form 1099-R is typically issued by financial institutions or retirement plan administrators to report distributions from retirement accounts, pensions, annuities and other similar plans. Here are some common transactions that trigger Form 1099-R:

1. Annuity Distributions: If you receive distributions from an annuity contract, whether it's a fixed, variable or indexed annuity, they will be reported on Form 1099-R.

2. Retirement Distributions: If you withdraw funds from your IRA, 401(k) or other retirement accounts, you will likely receive a Form 1099-R. This includes both normal distributions and early withdrawals.

3. Pension Payments: If you receive pension payments from a former employer, those payments are reported on Form 1099-R.

4. Rollovers: Certain rollover transactions, such as moving funds from one retirement account to another, may also trigger a Form 1099-R.

Form 1099-R is typically issued by January 31 of the following tax year. This allows taxpayers to accurately report their retirement income on their tax returns.

IRS Form 5498: Form 5498 is used to report contributions, rollovers and the fair market value of certain retirement accounts. Here are the main transactions that trigger Form 5498:

1. IRA Contributions: If you make contributions to a traditional IRA, Roth IRA or SEP IRA during the tax year, your financial institution will report those contributions on Form 5498.

2. Roth IRA Conversions: If you convert funds from a traditional IRA to a Roth IRA, the conversion amount will be reported on Form 5498.

3. Rollovers and Transfers: Any rollovers or transfers between retirement accounts, such as moving funds from an employer-sponsored plan to an IRA, will be reported on Form 5498.

4. Fair Market Value: Financial institutions also report the fair market value of your IRA on Form 5498.

Form 5498 is typically issued by May 31 of the following tax year. Because taxpayers have up until Tax Day to make their contribution, the form is generated after, allowing reconciliation of retirement account contributions and rollovers when preparing tax returns.

It’s important to review Forms 1099-R and 5498 when preparing your taxes, as they provide crucial information about your retirement accounts and potential tax liabilities. If you have any questions or notice any discrepancies on these forms, don’t hesitate to reach out to GBU or the issuing institution or consult with a tax professional for guidance. Understanding these forms and their timing will help ensure accurate reporting and compliance with IRS regulations.

ENRICH YOUR LIFE

ENRICH YOUR LIFE

Timothy Rodman, CPMM

ACCORDING TO A

2020 ARTICLE,

THE AMERICAN

PSYCHOLOGICAL ASSOCIATION LISTS THE RESOURCES AND ELIGIBILITY FOR SERVICES NECESSARY TO MAINTAIN A WAY OF LIFE, HOUSING, HEALTHCARE, COMMUNITY SERVICES AND RESPITE AS A COMMON CONCERN FOR CAREGIVERS.

THERE’S NO PLACE LIKE “STAY AT HOME.”

According to the Pew Research Center, in 2021, many stayat-home moms (79%) and dads (23%) said they took care of the home or family, otherwise known as caregiving. Anyone who has found themselves in a comparable situation knows that leaving corporate America for a life of housekeeping and caregiving is no walk in the park. Maintaining a “stayat-home” designation, whether for your kids or for other loved ones, is just as tiresome as a “corporate” position—if not more so. So, what are some tips to help stay-at-home caregivers focus on “employee benefits” like salary, life insurance and retirement (social security and 401[k]s) like those of their office counterparts? In this article, we will dive into all three benefit areas.

• 01 Salary

• 02 Life insurance

• 03 Retirement

A common concern for those considering entering a stay-at-home position is the loss of salary. For example, a two-adult household where one partner decides to stay at home goes from a two-income to a single-income family. Not to mention the unique mental burdens placed on both the “working” and the stay-at-home parent. Because there is plenty of work to match the hectic work schedule of a full-time job, sites like TaxSlayer say, “There are several potential credits associated with having dependents – the biggest being the Child Tax Credit,” which recognizes stayat-home status and may help soften the blow of a loss of income. Also, according to job sites like Indeed.com, a search performed on Google from Pittsburgh, Pennsylvania, on January 25, 2024, showed 513 available jobs for stay-athome parents (i.e., jobs that can be done during naptime or periods where someone else can take over). All this shows that there are options for those who still need to generate an income while performing their caregiving duties.

In my experience, life insurance is an income benefit offered by many employers but not commonly thought about in the younger demographic or during the decision to “stay at home.”

My wife, mother of two and former stay-at-home mom, looked at the life insurance benefit offered by my former company, which covered one year’s salary and realized how quickly that would be depleted should something ever happen to me. It had her considering additional coverage for both me and her. Because she hadn’t ruled out pursuing her career later down the road, a Select Choice Term Life1 insurance policy with a spousal rider from GBU could have given us the additional coverage needed to supplement my benefit from work. This policy could have also cost-effectively covered her should something have happened to her during that time.

Lastly, another important factor in the decision to stay at home is retirement. Did you know that, according to a 2023 survey by the Employee Benefit Research Institute, 26% of caregivers in the upper-income group are less confident in their retirement prospects than non-caregivers? In a standard office position, a portion of employees’ salaries are deducted and sent towards their social security and are oftentimes elected for building up a 401(k). But are families factoring that in when deciding to go to full-time “stay at home”?

It’s especially important to consider if the “stay-at-home” status is temporary and that person wants to get back

Key References

• Pew Research Center

• American Psychological Association

• Employee Benefit Research Institute

into the workforce later on. There are companies like APB Retirement to help you facilitate a 401k plan that works for you/your role as a stay-at-home caregiver. Alternatively, rolling money over from a previous 401(k) to a GBU Future Flex Fixed Index Annuity2 will allow your retirement savings to continue to grow, while protecting against the loss of principal. You can add additional funds to this annuity at any time as you are able.

Overall, we need to acknowledge the necessities of caregivers and the impact this decision will have on the “employee benefits” we discussed like supplemented income and making up or lessening the hit when going from a two-person income down to one. We also touched on life insurance policies should anything happen to the one choosing the responsibility of staying at home and taking care of those who matter most. And finally, we finished with efforts to continue growing retirement savings for the stay-at-home caregiver. With the rising cost of care, both for children and adults, it’s no wonder why so many are choosing a stay-at-home life. But we want to make sure that we’re doing it in the most fiscally responsible way.

1 GBU Life is the marketing name for GBU Financial Life (GBU), Pittsburgh, PA. Coverage can remain in force until age 95 as long as premiums are paid when due, however, after your level-term period ends, your coverage becomes annually renewable with rates that will increase annually. Convertible to permanent whole life insurance up to age 70. Riders are optional and have additional fees associated with them. Please see policy and rider coverage for complete details. Policy Form Series: ICC20-ST, FL20-ST.2, GEN20-ST, ND20-ST.

2 Annuities are not short-term products and are issued by GBU. Withdrawals prior to 59½ may be subject to IRS penalties. Products and features may not be available in all states. This is a summary of the contract provisions. Please refer to the contract for complete details of surrender charge schedule, benefits and exclusions. NOT A DEPOSIT OF A BANK AND MAY LOSE VALUE-NOT BANK GUARANTEED. Contract Form Series: ICC23_FPDA_IA_ CON_(01-23), FPDA_IA_CON_FL_(07-23), FPDA_IA_CON_ (07-23), FPDA_IA_CON_(07-23)ND, ICC23_SPDA_IA_CON_ (01-23), SPDA_IA_CON_FL_(07-23), SPDA_IA_CON_(07-23), SPDA_IA_CON_(07-23)ND.

Life insurance underwritten and annuities offered by GBU. Coverage is subject to approval and may not be available in all states.

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.

GBU is not affiliated with the organization(s) listed herein.

Join Hands Day

Saturday, May 4, 2024

Since 2000, Join Hands Day has been a day that celebrates and supports generations of community members coming together for a day of volunteering. From school-aged children to grandparents, everyone is encouraged to work together on a project that benefits the community. Ideas include

Start a neighborhood garden.

Make care packages for local families in need.

Serve meals at a nursing home.

Host a food pantry or clothing drive.

Collect needed items for an animal shelter.

Take a look at some 2023 Join Hands Day park clean-up projects from GBU Districts.

District 45-Altoona, PA GBU members helped with the outside yard cleanup and shed storage prep work for a fellow German Heritage group, Unter Uns Club.

District 699Frankenmuth, MI Members cleaned up Crayola Park in downtown Saginaw, Michigan. They had a great turn out and a nice dinner afterwards.

District 4000-Sokol USA, Lodge 30 Members in Danbury, CT, teamed up with VFW Post 1020 and helped to rake and seed the lawn, cleaned out flower beds, built a kayak stand, cleaned out the shed, mulched around the building, chopped wood and got rid of debris in the lake and on the property.

Log in to the Optimity app and complete the Join Hands Day Challenge to earn 1,000 gems! Not on Optimity? Visit inside.gbu.org/optimity and join today!

new and refreshing recipes to try this

spring

spinach and green pea empanadas

INGREDIENTS

Dough

1½ cups water

1 tablespoon kosher salt

3 tablespoons unsalted butter or lard

2 teaspoons sweet smoked paprika (pimentón de la Vera)

3¾ cups all-purpose flour, plus more for dusting on dough

Filling

10 ounces spinach, stemmed

½ cup shelled fava beans or thawed frozen lima beans

¼ pound green beans

2 tablespoons unsalted butter

3 tablespoons extra-virgin olive oil

1 medium onion, thinly sliced

2 garlic cloves, minced

1 cup frozen peas, thawed

2 tablespoons chopped mint

1 tablespoon chopped thyme

Salt and freshly ground pepper

TIME

Active time: 1 hour

Total time: 2 hours 30 minutes

Yield: 32 servings

DIRECTIONS

In a small saucepan, combine the water, salt, butter and paprika and bring to a boil. Pour the mix into a large bowl; let cool to room temperature. Stir in the 3¾ cups of flour until the dough forms. On a lightly floured work surface, knead the dough until smooth; wrap the dough in plastic and refrigerate until firm, about 1 hour. In a saucepan of boiling, salted water, cook the spinach for 1 minute. Using a slotted spoon, transfer the spinach to a colander. Add the fava beans to the boiling water and cook until bright green, around 1 minute. Using a slotted spoon, transfer the fava beans to a plate. Add the green beans to the boiling water and cook until tender, around 4 minutes; drain and finely chop the green beans. Peel the outer skins from the fava beans. Squeeze the excess water from the spinach, then coarsely chop it. In a large skillet, melt the butter in the olive oil. Add the onion and cook over moderate heat, stirring occasionally until softened, around 10 minutes. Add the garlic and cook until fragrant, around 3 minutes. Stir in the spinach, fava beans, green beans and peas and cook, stirring, until heated through, around 2 minutes. Stir in the mint and thyme and season with salt and pepper. Preheat the oven to 350° F. Lightly oil 2 large baking sheets. On a floured work surface, roll out the dough ⅛inch thick. Using a 3½-inch round biscuit cutter, cut out 32 rounds from the dough. Moisten the edge of 1 dough round with water. Mound 1 tablespoon of the vegetable filling on half of the round and fold the other side over. Press to seal the dough; pinch at intervals to make pleats. Repeat with the remaining dough rounds and filling. Arrange the empanadas on the prepared baking sheets and bake in the upper and lower thirds of the oven for about 30 minutes, until browned. Serve the empanadas warm or at room temperature.

pasta al limone

INGREDIENTS

1lemon

12 ounces spaghetti or similar pasta

Kosher salt

¾ cup heavy cream

6 tablespoons unsalted butter

3 ounces finely grated Parmesan (about ¾ cup)

Freshly ground black pepper

TIME

Active time: 15 minutes

Total time: 15 minutes

Yield: 4 servings

DIRECTIONS

Using a vegetable peeler, remove two 2-inch-long strips of zest from 1 lemon. Thinly slice each strip lengthwise into thin strands; set aside for serving. Finely grate remaining lemon zest into a large pot. Cut zested lemon in half and squeeze out enough fresh lemon juice to yield 2 tablespoons into a small bowl; set aside.

Cook spaghetti in another large pot of boiling, heavily salted water according to package directions, stirring occasionally, until very al dente (the pasta will finish cooking in the sauce).

Add ¾ cup of heavy cream to the pot with the lemon zest and cook over medium heat, whisking often, until the liquid is just beginning to simmer, about 2 minutes. Reduce the heat to medium-low. Whisk in 6 tablespoons of unsalted butter until melted and the sauce is creamy. Remove from the heat. Just before the pasta is al dente, scoop out 1½ cups of pasta water. Add ¾ cup of pasta water to the cream sauce and return to medium heat. Using tongs, transfer the spaghetti to the pot with sauce. Cook the pasta, tossing often and adding 3 ounces of finely grated Parmesan, around ¾ cup, little by little, until the cheese is melted and the sauce is creamy, around 3 minutes. Remove from the heat and stir in the reserved lemon juice. If the sauce looks tight, add 1 to 2 tablespoons more pasta water. Season with more salt, if needed. Divide pasta among bowls. Season with freshly ground black pepper, then garnish with the reserved lemon zest strips.

Trendsetting Tints

Source: Pantone.com

Your space will POP with peach!

An emerging color trend in the 2024 home décor real m is the color peach. Pantone announced the 2024 Color o f the Year as Peach Fuzz, marking the 25th year of the pr ogram. Peach is a subtle yet versatile hue that is the per fect balance of softness and warmth.

A statement color, peach is a stylish choice that adds a touch of sophistication and contemporary elegance. It suits different home décor styles, such as eclectic bohemian, which is a carefree design style that mixes colors and patterns, and neo-traditional, which is a contemporary take on traditional design.

Introducing peach into your home can be tricky, but we’ve created a guide to help you freshen up your space in a variety of ways.

Source: Purehappyhome.com (left) Witanddelight.com (right)

2. woven warmth

Easily elevate the comfort and charm of your space with peachy textiles. Peach is inherently a warm tone, so rugs, pillow covers or tapestries of the same color will naturally create a soft and welcoming atmosphere. Plus, it’s a quick and costeffective way to add style to your home. Peach tones lend a subtle playfulness and vibrancy to a room, which makes it the perfect color to introduce for spring.

Image Source: IKEA.com (left) Amazon.com (right)

1. Peachy Paints

If you’re looking to make a splash with Pantone’s 2024 Color of the Year, dive right in with peach paint! Consider painting entire rooms, bookcases or even kitchen cabinets to bring this warm hue to life in your home. If you’re lacking inspiration, try using an online color palette generator to give you some ideas on what colors work best with Peach Fuzz.

Image Source: Thenordroom.com (left) Jrlinteriors.com (right)

3. FUzzy finishes

A fun and unexpected way to add Peach Fuzz to your home is through art. Search for paintings with your desired level of peach tones present and show them off in your living room or entryway. Neutral colors pair well with peach, which makes it an easy color to design around. If art is too big of a commitment, think smaller items, such as vases or candles, that reflect the 2024 Color of the Year. You can’t go wrong with a candle that is on trend and emits a fresh, inviting scent!

Source: Headwestprints.com (left)

Target.com (right)

BENEFITS OF EXERCISE FOR MENTAL HEALTH

Whether it is yoga, weightlifting or just a walk around the block, all exercise has multiple benefits for your mental health.

Increases energy levels

Combats depression & anxiety

Improves sleep

Sharpens memory & cognition

Improves social well-being

Boosts confidence

Happier moods

Increased selfesteem

Reduces stress levels

JUST FOR KIDS

JUST FOR KIDS

WE FOUND THE FAVORITE ENDOF-YEAR TEACHER GIFTS

Looking for the perfect way to show appreciation for your child(ren)’s teachers?

Let’s face it. Life is busy with work, meal prepping, appointments, bills and everything else under the sun. Sometimes it’s difficult finding a moment to sit down, let alone finding the time to think about a thoughtful gift for the educators in your student(s)’ lives.

We understand that it can be hard to add something else to your already overflowing plate. That’s where we enter the scene. We’ve found the best end-ofyear teacher gifts, so you don’t have to. And while we don’t like to brag, we know that these gifts won’t just sit around and collect dust. Instead, these presents will actually be used!

MOST REQUESTED GIFTS

Drumroll, please. The most requested end-of-year teacher gifts are Paper Mate® Flair® pens. Yes, you read that right. Pens. Remember that we’re going for usefulness and practicality here! Besides, who couldn’t use more pens?!

From what we’ve heard, these Paper Mate Flair Pens are hot commodities among teachers. Plus, they come in fun, bright colors that won’t bleed through paper.

PERSONALIZED TEACHER GIFTS

Who doesn’t like receiving something with their name on it?! Or is that just a guilty pleasure of ours? Either way, you can’t tell us that your child(ren)’s teacher(s) wouldn’t love receiving personalized notecards or even a personalized pen.

INEXPENSIVE TEACHER GIFTS

You can never go wrong with a thoughtful handwritten thank-you note. Have your student(s) express appreciation to their teacher(s) with a few kind words or even a poem.

You know what else is sure to please? A candy bar. Tell us who wouldn’t love receiving a good ol’ piece of chocolate?! Not only is this a budget-friendly option, but it’s also super easy, eliminating any worries of online ordering and wondering whether the gift will arrive on time for the last day of school. Instead, you can quickly grab a candy bar from the grocery or convenience store. Heck, even the gas station offers them!

Another inexpensive gift option is hand soap, which is especially useful for the classroom. For an added discount toward the purchase, be on the lookout for sales and coupons. Since soap doesn’t go bad, you can always buy hand soap in advance if you find a great deal.

Do you have a flower garden, or do you know someone who does? A fresh bouquet of flowers is always a sweet surprise for any teacher. Have an old vase laying around? If not and you have to purchase one, consider checking on the shelves at your local thrift shop.

SPRING fling WORD 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, Amazon and more.

Complete the spring phrases below. Then, take the l etters in the ������� � and place them in the right order to reveal a famous quote that ce lebrates one of the joys of the season!

Hint: it sometimes can make a rainbow, too.

1.SPRING

RAIN2.

Hint:

3.GRASS

SUN4. MARCH5. BUNNY6. SPRING7. PUDDLE8. A BIRD’S9. EASTER10.

Hint: Hint: Hint: Hint:

Hint: Hint: Hint: Hint:

11.PETALS

12.SPRING

Thephrasetounscrambleis:

Hint: Hint: Hint:

Between school, sports and hobbies, kids live busy lives! Sometimes it can be hard to find time to give back, but we have made some changes to our Give Back University program to reward you when they do something great for your community. Find out about our new program features below to start earning rewards today!

Make waves andearn rewards

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

A Teen Guide to Income and Entrepreneurship

In this one-time class, we'll explore various ways to earn income as a teen, including starting your own business. We'll explore important issues like paying taxes, protecting your privacy, staying safe and balancing work and school.

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

FEATURED CHALLENGE

Write a Letter to your Local Congressman

Youth make up a substantial portion of the population, and their voices and concerns deserve to be heard in the political decision-making process. Writing to local representatives allows you to actively participate in shaping policies that affect your future.

SIGN UP AT INSIDE.GBU.ORG/GIVE-BACK-U AND RECEIVE A COMPLIMENTARY SCHOLARS SWAG BAG.

Decorate - a - Plate

For Mom For Mom

“Breakfast in Bed’ is a Mother’s Day staple. Elevate the tradition this year with this DIY plate your little ones will love making just as much as mom will love getting.

SUPPLIES

Plain, white dinner plates

Multi-colored Sharpie permanent markers

INSTRUCTIONS

Have little ones make a “work of art” on their plate for mom

Once finished, put the plate into a cold oven

Set the temperature to 350 degrees

After 40 minutes, turn off the oven and let the plates cool

with Mom & Dad FUN

GBU offers a wide range of member benefits, including VIP Perks! by Entertainment®. Spoil your mom and dad this year while enjoying local and national discounts on dining, entertainment and services. You can print coupons from home or simply redeem them from the mobile app! Activate your account by visiting https://inside.gbu.org/vip-perks.

Spoil your mom Spoil your mom this Mother's Day this Mother's Day

TAKE HER TO A SPA

Every once in a while, Mom needs to hang up her superhero cape and enjoy some time off — and there’s no better way to do it than with a day at the spa.

TAKE HER TO A SALON

Has your mom been talking about wanting a new style or color? She may not want or need a new style, color or cut, but she may enjoy a blowout!

TAKE HER TO A NAIL SALON

Manicures and Pedicures can make your mom feel pampered and special, as well as pretty up her feet for sandal weather.

Spoil your dad Spoil your dad this Father's Day this Father's Day

TAKE HIM GOLFING

Perfect for the golf-loving father in your life. If you want to make Father's Day special for dear old Dad, send him on a golf getaway.

TAKE HIM TO THE RACE TRACK

Bring Dad to the racetrack! Drive a real NASCAR stock car, watch drag racing, battle on go-karts or drive a super exotic car.

TAKE HIM FOR ICE CREAM

Trips to the ice cream parlor with Dad are memories you will both cherish forever. As a reminder of these fun and laid-back times, treat Dad to ice cream.

FOR DAD DIY Barbeque Sauce

This DIY BBQ Sauce is a delicious and practical Father’s Day gift that Dad will love.

INGREDIENTS

1 cup ketchup

1/2 teaspoon liquid smoke, optional

1 tablespoon Worcestershire sauce

1 tablespoon vinegar

1 tablespoon BBQ sauce

1/8 cup water, as needed

1/2 cup brown sugar

1 teaspoon onion powder

1 teaspoon chili powder

1 teaspoon minced garlic

INSTRUCTIONS

Help children measure out all the ingredients and add them to a large stockpot.

1. Children can stir after every addition if desired, but it doesn't need stirring until the cooking phase.

2. Place the stockpot over medium heat, stirring occasionally.

3. The sauce is done when all ingredients are completely combined and the sauce is thick enough to coat the back of a spoon. This should take about 5 minutes.

4. Allow the BBQ sauce to cool completely before pouring into individual mason jars.

5. Secure the mason jar lids and add additional gift embellishments, as desired.

7.

6. Let each child name their sauce jar (for example, “Griller's Gold Sauce” or “BBQ King's Special Sauce.”

RECIPE FROM: SUGARSPICEANDGLITTER.COM/BBQ-SAUCE

GBU FOUNDATION

SCHOLARSHIPS AND GRANTS

DEADLINES FOR GBU FOUNDATION SCHOLARSHIPS, GBU HIGH SCHOOL FRESHMAN GRANTS AND OTHER SCHOLARSHIPS ARE APPROACHING.

Visit reporter.gbu.org/scholarships-and-grants-2024 for complete details and application links for the programs below.

GBU FOUNDATION

Four-Year Scholarships

Bert Waltenberger Memorial Scholarship

Clarence O. Affelt Architecture/Fine Art Memorial Scholarship

Two-Year Scholarships

Undergraduate Scholarships

Graduate Scholarships

Educational Grants

District 291–Summerhill-Lilly, PA, Scholarships

District 1000–LFA Scholarship

District 2000–ULS College and Seminary Scholarship

District 2000–ULS Graduate, Business, Community College or Trade School Scholarship

ADDITIONAL SCHOLARSHIPS

New England Fraternal Alliance Scholarships

Pennsylvania Fraternal Alliance Scholarships

GBU HIGH SCHOOL FRESHMAN GRANTS

2024 Scholarship Deadlines

GBU Foundation Undergraduate

GBU Foundation Graduate

May 31

June 30

July 31

District 291–Summerhill-Lilly, PA, Scholarships

District 2000–ULS Scholarships

GBU Foundation Four-Year

GBU Foundation Two-Year

District 1000–LFA Scholarship

Pennsylvania Fraternal Alliance

September 1 New England Fraternal Alliance

For more information, please contact Charitable Giving and PR Specialist Ken Elliott at kenneth.elliott@gbu.org or 412-336-3246 or the Community Engagement Team at memberbenefits@gbu.org or 800-765-4428.

DISTRICT HAPPENINGS

DISTRICT HAPPENINGS

District 45–Altoona, Pennsylvania

Happy spring everyone! Spring officially arrived on March 19. Hopefully, everyone had a blessed Easter with their family and friends.

Here’s a quick summary of our 2023 winter events.

We joined with the Federation of Fraternal Clubs Blair County Unit #1 for the Veterans’ Day Parade. Members of all ages came out to show support for the local veterans who have served our great country.

Veterans’ Day Parade participants and getting ready to hand out candy.

The Children’s Christmas Party was held in conjunction with the Unter Uns Club. Thank you to everyone who helped out at the party. Everyone had a great time and was able to enjoy crafts, games, food and a visit with Santa. All the children received a gift and a visit from “Elsa” (portrayed by GBU member Anna Oberneder) from the movie Frozen.

We wish all the moms, grandmothers, great-grandmothers and great-, great-grandmothers a very happy Mother’s Day and a happy Father’s Day to all the dads, grandfathers, greatgrandfathers and great-, great-grandfathers. Make sure to let these special people know how much you love and appreciate them.

Upcoming District Events

The annual Join Hands Day Project is tentatively planned with the Unter Uns Club to help with the spring Clean-Up in preparation for the Memorial Day Flag-Raising Ceremony and summer activities. The American Fraternal Alliance originally founded Join Hands Day in the year 2000 as a way for adults and youth to work together as volunteers toward a greater purpose for their communities.

The Summer Pie Sale fundraiser starts on Wednesday, May 8 and benefits a local Relay For Life Team and the Brian Morden Foundation (BMF). The goals of the BMF are to support local families, patients and staff of pediatric oncology units, childhood cancer research and to provide educational scholarships to childhood cancer survivors. Orders are due to me by Friday, June 14, and come in on Saturday, June 29. Cinnamon rolls and snails are available in addition to pies.

Monday, May 27 is Memorial Day. The tentatively scheduled activities are as follows: 9 a.m. Mass at St. Mary’s Church followed by a procession to St. Mary’s Cemetery, the FlagRaising Ceremony at the Unter Uns Club at noon and the Ceremonies at Brush Mountain Sportsman’s Club at 3 p.m. Check out the local papers for other events being held in the Blair County area.

Join GBU members on Flag Day this summer. The Ceremonies are scheduled for Friday, June 14 at the Downtown Altoona Heritage Plaza starting at 12 noon. In 1916, President Woodrow Wilson issued a proclamation that officially established June 14 as Flag Day. On August 3, 1949, National Flag Day was established by an Act of Congress, although it still is not an official federal holiday.

Join us for our annual District Picnic on Friday, August 9 at the Swiss Club of Altoona, 1219 Harrison Ave. The doors open at 5 p.m. An evening of good food, fun and fellowship are planned. More information to come in the summer article.

We continue to collect donations for the District 45 Scholarship Fund. Donations may be sent to our treasurer, Betty Richardson , at 2524 W. Chestnut Ave., Altoona, PA 16601. Please make checks payable to GBU District 45 and denote District 45 Scholarship Fund in the memo line.

Lastly, please join us at our monthly meetings. They are held

Children having fun playing games.

District 45–Altoona, Pennsylvania, continued at 6 p.m. on the second Wednesday of the month at the Unter Uns Club which is located at Van Buren Ave and 14th Street in Altoona. No meetings are held in January, July, November or December. Your officers will have officers’ meetings instead to plan for upcoming activities. Come, learn, support and get involved in fraternal activities and join us for refreshments.

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

District 146–Johnstown, Pennsylvania

Greetings from District 146. Spring is here!

The district will continue to support Powell Stackhouse Park Inc. The annual membership pledge is used for the park activities, operation and maintenance. Also, we will continue to support Band of Brothers Shakespeare Co., which brings theater to the Laurel Mountains and Sandyvale Memorial Gardens and Conservancy’s annual Memorial Day Celebration.

A fundraiser was held in the clubroom during the St. Patrick’s Day celebration to benefit various district projects. We send out wishes for a happy Mother’s Day and a happy Father’s Day.

Meetings are held at 7 p.m. on the second Monday of the month (except July) at the Moxham Beneficial Home Association, 40 Bridge St., Johnstown, PA 15902 (814-539-1290). Check the bulletin board in the clubroom for additional information and any changes to meeting dates.

- Barbara Weimer, Fraternal Secretary/Treasurer 814-255-4710

District 510–Toledo, Ohio

Greetings from District 510. I hope that everyone had a wonderful holiday season with family and friends. We wish you all good luck, happiness and health in the New Year.

District 510 held a Halloween Trunk-or-Treat event. GBU members got together at the GAF Oak Shade Grove parking lot and decked out their trunks and truck beds with Halloween decorations. Due to the risk of rain, some of the decorations were set up in the Chalet. The children, dressed in their Halloween costumes, walked from the stops collecting candy and treats. Thank you to all who helped make this event a success. A special thank you to Lynne Shoup for donating the pumpkins.

We had a delicious turkey dinner with all the trimmings at our November meeting. Special thanks to Marilyn Riedeman and Mary Smith for preparing the sumptuous feast. Attendees received a GBU Members Benefits Brochure, a festive autumnthemed decoration bound by a GBU magnetic clip. Election of District 510 officers was held at the meeting. The election was chaired by GBU Great Lakes District Engagement Specialist Laqueeta Coleman . The body voted to keep the same officers who served in 2023. Ten frozen turkeys were raffled off at the meeting. Five were donated by our Toledo Holzhacker Buam dance group and the other five by District 510.

Turkey raffle winners.

We thank all officers for accepting their positions and wish them a successful year.

Kids learning about GBU University.

We ended 2023 with our Children’s Christmas Party on December 5. The festive hall decorations included poinsettias on each table. Thank you, Lynne Shoup for donating the beautiful poinsettias. The children were able to guess how many pieces of candy were in the containers, and the winners got to keep the containers. There were food, drinks and toy raffle tickets available for purchase. The toy raffle was a big hit with the children as they were all hoping to be the winners. Everyone sang Christmas carols while waiting for Santa and Mrs. Claus to arrive. After they visited with Santa, the children each got a gift. The children and their families were able to take pictures with Santa and Mrs. Claus as a nice keepsake from the party. A special thank you goes to Santa’s helpers (John Peart and Roxie Grabenstetter Mlynek). Last but not least, thanks go to co-chairpersons Jackie Martin and Marilyn Riedeman and all the people who volunteered their time and talents to make this Party so special for the children. We are truly blessed with our volunteers who generously donate their time to our District 510 events.

Thank you, Trunk-or-Treat volunteers.

District 510–Toledo, Ohio, continued

The Toledo Holzhacker Buam dance group had a Saint Nickolaus Abend party at its last dance practice in 2023. They also held their 2024 Annual Meeting & Potluck on January 14 at Bennett’s Orchard.

The children of District 510 also enjoyed a Children’s Easter Bunny Hop on March 24

Upcoming District Events

For current news on district events, please check the GBU District 510 Facebook page. Looking forward to seeing everyone at our future meetings. If you have not been to 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 p.m. and our meeting starts at 7 p.m.

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

District 630–Ann Arbor, Michigan

Greetings from Ann Arbor. We extend belated happy spring and happy Easter wishes to all our members, families and friends! We are looking forward to a warm and sunny spring, and we welcome back our “snowbirds”!

For any member who has been feeling ill or is recovering from an operation, we send you wishes for a speedy recovery and hope you feel better soon. Please let one of our officers know if you are ill or recovering from surgery so we can send you well wishes from the Sunshine Committee!

On December 10, we hosted a Christmas Luncheon at Carlyle Grill in Ann Arbor. The holiday season was welcomed with a German poem read by Traudel Kummer, and keeping with tradition, we sang a few Christmas carols. All members in attendance received a beautiful poinsettia.

Our Community Outreach Program resumed in January with monthly cooking for the after-school program at Peace Neighborhood Center. We thank our members who continue to support this program and for all their volunteer hours. And a big thank you to our Community Outreach Coordinator Susan Weber, who organizes our volunteers. If anyone is interested in volunteering, please let Susan know. In February we donated Valentine’s cookies for the children to enjoy after their meal. Our meetings resumed in March, and we are busy planning our 100th anniversary.

Upcoming District Events

Please mark your calendar for these upcoming events:

Sunday, April 14 Monthly meeting with Salad Potluck, 1 p.m.

Sunday, May 19 100th Anniversary Celebration, 12 p.m., Weber’s Inn

Stay tuned for GBU at the Detroit Zoo coming this summer! More information to be announced.

We look forward to seeing you at one of our meetings or events!

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

District 684–Pittsburgh, Pennsylvania

Congratulations to the newly elected officers for 2024:

President Gary Madison

1st Vice President Tina Madison

2nd Vice President Linda Wagner

Fraternal Secretary Jackie Alaimo

Treasurer Diane Gallagher

Sentinel

Trustees

Sandy Wagner

Joann Pukansky

Judy Bickel

Karen Potkul

Over the winter months, we held our popular Brunch with Santa at South Hills Country Club. Attendees enjoyed a wonderful brunch, raffle baskets, a visit from Santa and entertainment from Pittsburgh Cultural Trust’s Ms. Cassidy, who had the children dancing and singing. The funds raised from the basket raffles and donations were presented to the Lord’s Pantry at Baldwin Community United Methodist Church.

District 684–Pittsburgh, Pennsylvania, continued

Our officers held a meeting in January to plan our first event/ fundraiser of 2024 at Topgolf in Bridgeville, Pennsylvania. This was a popular outing last year with over 72 attendees. The event was held on February 25. We chose to support South Hills Pet Rescue with our 50/50 raffle proceeds and donations.

District members Sandy Wagner, Kathy Griener and Tina Madison volunteered with others at a recent ORO Packing Day.

Upcoming District Events

A general meeting will be held on Thursday, April 11. GBU Great Lakes District Engagement Specialist Laqueeta Coleman will be joining virtually to provide members with information on nutrition.

Saturday, May 4 is our Kentucky Derby Night. This has been a favorite event/fundraiser over the past few years. An email blast and flyers will be sent to members with details. If you are interested in attending, please contact me for more information. Our goal this year is to engage more members in our social activities and to volunteer our time as a group to organizations in need.

Stay safe and enjoy the spring weather!

- Jackie Alaimo, Fraternal Secretary 412-720-4801 or jackie.alaimo@gbu.org

District 699–Frankenmuth, Michigan

Fraternal greetings from GBU 699 for 2024! There are so many changes and things going on. It should set a very energizing tone for the year.

We have our officers in place for 2024:

President Leo Ohlendorf

1st Vice President Regina Pierce

2nd Vice President Lindsey Buckley

Recording Secretary Cassie Rutkowski

Treasurer

Tim Weiss

Fraternal Secretary Dan Pierce

Marshal

Evelin Mertz

Sentinel Dawn Ohlendorf

Trustees

Auditor

Gerda Jones

Marian Ludlum

Kaitlyn Edwards

Manfred Schwartz

As always, much thanks go out to those who help guide and support the district. Being a district officer is where the action is. We had one officer leave Jolynn Ohlendorf, replaced by Dawn Ohlendorf Jolynn has been very helpful, and we appreciate her work. Jolynn will be getting married this year, and we offer congratulations as well as thank her for her past service.

We have our events up and posted, but due to some of the new requirements and ways of doing all things fraternal, we may add events and move things around a little bit. As of now, we will be representing District 699 at the Frankenmuth Winterlaufe, which is a large event that has runners from all over the state and also the world, running a winter marathon. Last year was our first time helping out in the race; we had five brave souls out in the arctic temperature working an intersection to prevent cars from going on the course, and also to cheer on the runners. There are many other ways to work at this event, both indoor and outdoor. This year, we intend to help out in a similar fashion as last year, but we have eyes on the future of actually becoming a sponsor of this very large event, as continuing to donate our time to help with the running of the event. The Winterlaufe is hosted by the Frankenmuth Jaycees, and all proceeds go to many charitable causes. Our district looks forward to the future of this event and our participation in it.

We had our most recent officers’ meeting and audit of the books on February 7. The goal of the meeting was to come up with a game plan to utilize the new rules and goals of GBU National. Lastly, for February, we had our indoor Putt-Putt and Pizza Party at Bavarian Inn Lodge. This is a very popular event, and we always have a great time with the kids and the older kid-like adults.

District 699–Frankenmuth, Michigan, continued

Upcoming District Events

Our April meeting will be at Davinci’s on Sunday, April 21, at 1 p.m.

As is the case in life, there is nothing more constant than change. We always want to embrace the new opportunities offered to us so that we may grow and flourish as a district. We look forward to working with the Home Office to have even more events that impact more people and get out the story of GBU and its benefits.

As always, anyone interested in attending a meeting/dinner can contact me for more information.

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

District 707–Grand Rapids, Michigan

We held our annual Christmas Dinner Dance on November 12, 2023, at Sixth St. Hall, St. Casimir. The event had a great turnout and delicious food, and the band played a variety of favorite tunes we enjoyed. We also held a fundraiser consisting of a silent auction, 50/50 drawing and member donations for Toys for Tots. Thanks go to our members who are so generous to support this event, so all kids have a great Christmas.

Our district president introduced the new officers for 2024. She also highlighted some events planned for 2024. For example, our district is teaming up with District 5000-IOV, Linne Lodge, for a Derby Party—Night at the Races. A portion of the proceeds from the event will benefit The Hope Project.

Please join us at our meetings on the fourth Wednesday of each month from April through October. In November, our meeting is on the third Wednesday of the month due to Thanksgiving holiday. At our meetings, we start with the Pledge of Allegiance and sing God Bless America to remind us of the great country we live in.

We would like your feedback on the events we have planned for 2024 so join us to discuss our events at the meetings. We always enjoy fellowship and fun before and after the meeting. Happy New Year! 2024 is going to be a fun-filled year. God Bless all of you.

- J udy Cwiklinski, Fraternal Secretary 616-454-6026 or Jcwik227@yahoo.com

District 810–Cleveland, Ohio

GBU District 810 is partnering with Cornerstone of Hope in 2024 to support its mission to provide bereavement care. Cornerstone’s goal is to make life and living possible again and to find new hope after the loss of a loved one. Since 2003,

Cornerstone of Hope’s vision has been to create a world where no grieving person journeys alone. If you are grieving the loss of a loved one and are in need of support, Cornerstone is here to serve. Our district is donating $5,000 that includes a $2,500 match from the GBU Home Office. In addition, we will be scheduling volunteer opportunities throughout the year for those GBU members in our community who are willing to support this cause.

- Michael Bodanza, District President and Lynne Powers, Fraternal Secretary 216-441-1040

District 815–Dayton, Ohio Upcoming District Events

Please join us on Saturday, May 11, 2024, at 5 p.m. for the Relay For Life of South Dayton that will be held at Centerville High School, located at 500 E. Franklin St. in Dayton. We will be TEAM GBU. For more information go to Relay For Life of South Dayton | Relay For Life (acsevents.org).

We are pleased that GBU donated $1,000 to the Dayton Liederkranz. This donation is based on the One Hour at a Time volunteer program.

Through One Hour at a Time, we were able to also make donations to K-12 TEJAS and the Human Race Theatre Company.

Thank you to the GBU Home Office and our members for providing this support.

- C hris van Breukelen, FIC, Fraternal Secretary 937-885-4784 or wvanbreukelen@compuserve.com

District 821–Sterling Heights, Michigan

Dear Members,

The last month of 2023 was one of our busiest and most enjoyable!

Our second Tuesday afternoon meeting was held on November 7, 2023. We shared many ideas about who and what to support this year. We voted to donate $500 to Operation Reach Out. Thank you, Helga Kniep and Heidi Wolff for baking the cake that we enjoyed. I had a table with items for anyone to take home, some were newspaper stories from our past trips, pictures and GBU items.

The Kirchweih on November 12 was a beautiful evening, and the children’s dancing was enjoyed the most. About six of our district members were present.

(L to r) John Koerner, Ken Kreitzer, Chris van Breukelen, Anita Hedeker, Debbie Venys and Judy Schneider.

District 821–Sterling Heights, Michigan, continued

The senior’s Thanksgiving dinner on November 15 was very traditional, thanks to our usual cooks (including Lore Kopp and Renate Rotellini ). Johann Benesch had inspiring videos to show. We missed Heidi Wolff, but greeted new guests.

November 19 was the Michigan Sängerbezirk’s trip to Fort Custer. GBU members Edith Kuplent and Sigfried Charrow, plus 16 other members, sang for the German soldiers buried there. The GACC delivered and presented a wreath that Ingrid Stein , president of GACC and fellow GBU member, had ordered. The highlight was our overnight Bus Trip to Canada that Ingrid Stein organized. Of the 52 Bus Trip attendees, nine were our district members. Everyone is looking forward to another trip like that in the future.

On December 2, our choir was at the Waltenwood Assisted Living Home in Sterling Heights. We performed a variety of eight folk and Christmas songs in German and English, and then all attendees were invited to join in a sing-along of Christmas songs. Afterward, Heidi Wolff passed around plates with cookies and sweets that she had prepared which gave us time to visit too.

The Carpathia Choir (including six GBU members) was led by our member, Erwin Aufdemberge , in singing German Christmas songs at St. John’s Lutheran Church as part of its December 3 church service. That afternoon was the GACC’s annual Christmas Party, the first at our new location. We had a catered dinner and added delicious desserts. In the short meeting, many hopeful ideas for our future were discussed. Of course, then some more singing. We have enjoyed having Mr. Aufdemberge as our Carpathia Choir director for over 25 years. He appreciates our German folksy and classic music.

On December 5, we had our Christmas district meeting. Heidi Wolff surely knows how to make it festive! Our election of officers was also held. Congratulations to the following 2024 officers:

President Edith Kuplent

1st Vice President Ursula Herrmann

2nd Vice President Sigfried Charrow

Fraternal Secretary/ Treasurer

Recording Secretary/ Kitchen Trustee

Trustees/Auditors

Newly elected officers

Marianne Krenzer

Heidi Wolff

Burkhard Kniep

Helga Kniep

Elisabeth Herster

We also planned a few events for 2024 at this meeting. We decided on the following: February 6-Valentine’s meeting and February 9–Karneval.

I shall keep you updated on special happenings on the GBU Member Community page.

We had two more events on December 10. In the morning the Carpathia choir sang seven German and one American Christmas songs at the German St. Peter’s Church service. This was well received by a well-attended congregation. After the service, there was a feast of lunch treats and cookies with coffee and tea. Many GBU members were at church, seven of whom are part of the choir. Then later, in the early afternoon, was the DASV Christmas Party. It was very festive with a variety of entertainment.

Choir Christmas performance at St. Peter’s Church service.

December 13 was our senior Christmas, complete with beautiful table settings of homemade cookie packages for each of us, again made by our District 821 members. Everyone in attendance enjoyed the cookies, as well as singing, poetry and a video.

The GBU Christmas Party was on December 15. This year we enjoyed several Christmas songs, a delicious dinner and a beautiful skit (like a silent theater) performed by Lore Kopp, Helga and Dieter Gaiser

Skit performers in costume.

The Michigan-Ohio Chorale held a very special Christmas Concert (sponsored by GBU) on the afternoon of December 17 at St. Paul’s Church in St. Clair Shores. Choir Director Erwin Aufdemberge prepared the choir to perform mostly classical and special holiday music. This choir performs in several different places about two or three times a year for free. The concerts are mainly for local people who can’t afford or aren’t able to go to symphony concerts. His eight specially hired instrumentalists and the acoustics perfectly placed make it complete.

District 821–Sterling Heights, Michigan, continued

Michigan-Ohio Chorale Christmas Concert

On a different note: all the blankets that were sewn, knitted, crocheted, etc. and donated to St. Peter’s Lutheran German Church’s Seniors’ Club (about 1,300 which is a vast increase over previous years). Many of these blankets were made by our members and then were delivered to the following organizations: Abigail Ministries, New Americans (Samaritas refugee center), Trinity Hospital, Sunshine Living, The Orchards, United Community Family Services, Vietnam Veterans, Alternative for Girls, Pope Francis Center, Friends of Foster Kids, Kids in Distress and Iroquois Church, Detroit.

This shows what one organization can do to successfully help the growth of an important mission. May we all learn from it in different ways.

Our meetings are held from 2 p.m. to 4 p.m. on the first Tuesday of the month at GACC. Please join us.

Upcoming District Events

Friday, April 19 “ Bye-Bye Winter” event (TBD)

Sunday, May 5 GBU Choir Concert, GACC, 2 p.m. to 6 p.m.

Friday, May 17 “ Hello Spring” Event (TBD)

Sunday, July 14 GBU Picnic, St. Peter’s German Church grounds

Sunday, November 3 GBU Choir Fall Concert, GACC

Sunday, December 8 S inging, Detroit’s Historic Trinity

Friday, December 13 GBU Christmas Party

- M arianne Krenzer, Fraternal Secretary 586-776-7058, (cell) 586-996-1169 or mekrenzer@hotmail.com

District 1000–LFA

Dear Members,

Where flowers bloom, so does hope. – Lady Bird Johnson

The LFA #57 Christmas Party was held on December 4 at 6:30 p.m. at the LFA Hall in Eastpointe and every one had a great time. There was a fabulous dinner and fellowship.

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 District 1000 Scholarship award!

38th Annual Concordia Food-A-Thon–This was our late district President Richard Hallgren’s favorite charity and fundraiser of the year. He loved driving down to the Seminary and talking with the staff, students and future pastors there. Through our members’ generous donations, we were able to collect $11,105. This surpassed our goal of $8,400. Thank you so much District 1000 members!

Upcoming District Events (Events might be subject to change.)

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

Relay For Life will be held on Saturday, May 11 at the Chippewa Valley Ninth-Grade Center. Please watch for a flier in your mail on how you can contribute to this cause. For more information go to Relay For Life of Clinton Township and Southeast Macomb County | Relay For Life (acsevents.org).

Join us on Friday, August 9 at 6 p.m. for the Jimmy John’s GBU at the Ball Park (Mel Ott/Lutheran Night). Members’ cost of $35 includes a buffet meal, two beverage tickets, grandstand seating and a group photo on the field. Contact Glenn Penzien (586-944-5004) to purchase.

Make sure you have a current email address on file at the Home Office to be included in future notifications of District 1000 activities.

Reminders

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

LWML continues to collect canceled postage stamps for the Stamps for Mission program. Simply cut the canceled stamp from the envelope and bring it to the next function. We will see that it gets to the LWML.

If any members have suggestions or ideas for events, please feel free to let us know. We want to encourage more members to get involved and attend events. Contact the District 1000 office (586-677-2020).

The May District Officers’ Meeting will be at 6:30 p.m. via Google Meets, and the date is still to be determined.

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.

- S tacia (Penzien) Zarzycki, Sentinel 586-677-2020

District 2000–ULS

Attention youth members applying for District 2000 Scholarships! Please note that scholarship grants have increased from $500 to $750 with a maximum of three scholarships. District 2000 Scholarships are awarded to our district members entering at least their second year of study

District 2000–ULS, continued in an accredited undergraduate program. The applicant must be a full-time student with a minimum GPA of 2.75 from the prior year. See additional details when applying for Graduate, Business, Community College or Trade School Scholarships. Submissions started January 1 with a due date of Friday, May 31 Wednesday, July 31 is the deadline for submitting an official transcript.

The application process can now be completed online! Visit community.gbu.org, click on “More,” then click on “Apply for Scholarships.” Select “Scholarships” to view various opportunities from GBU and District 2000. If eligible, sign in to apply. Questions should be directed to the GBU Community Engagement Team (800-765-4428).

Assembly Activities

On December 10 Assembly 53 held a Christmas Party for neighborhood families. A large crowd of 32 children and 43 adults were in attendance. The kids had a “snowball fight,” played Simon Says, colored, decorated Christmas cookies and were told the story of Christmas. Each child was given a gift bag of toys and gift cards. Everyone had a great time and expressed appreciation for the party.

During December, Assembly 53 along with the Shared Blessings Mission Store held its annual Coat and Toy Distribution. Newly collected items with tags are saved and displayed during this event. A sister church, John McMillan Presbyterian Church, also collected over 70 brand-new kids’ coats, hats, gloves and scarves. Families that were served all year with items that are gently used are then invited to come and “shop” for brandnew items for Christmas. We had over 40 families shop, and everyone is always grateful for these gifts for Christmas.

Assembly 9 President Debby Voldrich (2nd from left) presents the District 2000 Community Outreach donation of $250 to Marcella Brown of the Next Step Youth Shelter. This non-profit organization provides shelter care for youth ages 12-17 who are homeless and without a stable living environment.

Pastor Markovich and members enjoy a catered dinner served at the annual Christmas Party hosted by Assembly 9 at Dr. Martin Luther Church in Brooklyn, OH. Members donated desserts with leftovers delivered to shut-in members of the church.

Bowling TOURNAMENT ATTENTIONALL GBUBOWLERS

SPONSOREDBY DISTRICT2 000-ULS

ATTENTIONALL GBUBOWLERS

Bowling TOURNAMENT

SPONSOREDBY DISTRICT2 0 0 0-U L S

Saturday & Sunday April 20–21, 2024

at the Hollywood Casino at the Meadows in Washington, PA

GBU members from all districts are invited to attend and will receive the member discounted rate.

Once again, members and non-members will have the option to bowl in any three-game event or participate in all events, both days. If interested, email Jerry Hauser at jdhauser1@comcast.net for registration information or call tournament manager Melanie Kilgore (330-936-4411)

Assembly 62 officers held a general membership meeting to discuss upcoming events. In addition, officers decided to donate funds to local charities including Meals on Wheels, the Salvation Army Christmas Toy Fund and the Community Food Warehouse.

Assembly 62 members display baked goods sold at their annual General Election Bake Sale held on November 7. Halušky, soups, stuffed cabbage, cookies, pies and other goodies were sold to benefit Holy Trinity Lutheran Church and other community projects.

A social hour was held for members of Assembly 2A in Hazleton, PA, at Ss. Peter & Paul Lutheran Church. Good food and fellowship were shared after church services.

Attendance Drawing Winner

The latest winner in our Assembly Attendance Drawing was Katie Karkosiak of Assembly 9 in Brooklyn, OH. Katie was eligible to win this $100 cash prize by participating in her local assembly activities. You could be our next winner by attending your assembly’s next function!

‘til next time!

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

District 3000–HRFA

Remembering József “Joe” Fabri

Let me begin by expressing my sincere condolences to Joe Fabri’s wife Peggy, and their entire family and friends. Let me also express condolences on behalf of Joe’s colleagues who served with him on the Board of Directors of the Hungarian Reformed Federation of America, and those of us who served as District 3000 officers. Joe passed away in December 2023.

If you knew Joe Fabri , you knew that he was a very active community member, and he loved his wife and his family. Joe was also a person who cared deeply about his Pennsylvania community, Beaver Falls, PA, about his church, about the organizations he belonged to, and he was always willing to lend a hand to anyone who needed help.

District 3000 President Jon Naser shared his reflections on Joe this way:

One of my many memories of Joe was his passionate readings of Nemzeti dal (Hungarian national song), a poem by the famous Hungarian poet Sandor Petofi. He would present his reading at Hungarian gatherings as they remembered Hungary’s fight for independence. Other notable memories include his decades of service to the Hungarian Reformed Federation of America (HRFA), GBU Life, Bethlen Communities in Ligonier, PA, his church and his love for his family. He will be missed by those of us who worked with him.

As I reflect on my memories, I wonder how many people know that Joe was a Hungarian Freedom Fighter in the 1956 Hungarian Revolution. To many of us, he will always be that young Hungarian Freedom Fighter, a real-life hero in the eyes of many of us.

Joe had strength of character and fought for the things he believed were right. When Joe and I were HRFA board members, the board was seeking to merge with a good, financially strong fraternal life insurance and benefit organization. Our HRFA headquarters was in Washington, DC at the time. Joe and I traveled to Pittsburgh (each from our homes) to meet with the late National Secretary/Treasurer Jim Stoker, to discuss the possibility of merging HRFA with GBU. After a very cordial lunch meeting with Mr. Stoker, Joe and I both knew that becoming part of GBU was a great idea for the future of HRFA. As everyone now knows, after discussions with CPAs, accountants, insurance regulators and an HRFA membership meeting for approval, GBU also approved and we (HRFA) became GBU District 3000. The HRFA full board, and everyone in HRFA, recognized it was very beneficial for our members and for GBU. Another memory I have of Joe was that he was a very good insurance salesman. He brought many young people to HRFA and GBU through his participation in his community as a wrestling coach. I know that Joe is still remembered by many as a good guy and a great coach.

I am sure many of you may have memories of Joe too. Share your memories with others. Joe was a blessing to many of us and he will always be remembered.

- 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 canceled.

Date District Event

APRIL

1 4000 District 4000 College Scholarship applications due

1 OH Ohio Fraternal Alliance Scholarship applications due

6 84 (PA) Round 1 Fun Day

14 630 (MI) Salad Potluck, following 1 p.m. meeting

19 821 (MI) Bye-Bye Winter Event (TBD)

20–21 ALL District 2000-Sponsored Bowling Tournament, Hollywood Casino at the Meadows in Washington, PA, contact Jerry Hauser for registration information

MAY

4 699 (MI) Join Hands Day Project—Crayola Park CleanUp, Saginaw, MI

4 684 (PA) Kentucky Derby Party

5 821 (MI) Saxonia Rheingold Spring Concert at GACC, 2 p.m.

8 45 (PA) Summer Pie Sale Fundraiser benefiting Relay For Life and Brian Morden Foundation starts

11 707 & 5000 (MI) Night at the Races Fundraiser for The Hope Project. Contact Judy Cwiklinski for information

11 815 (OH) Relay For Life, Centerville High School

11 1000 (MI) Relay For Life, Chippewa Valley Ninth Grade Center

17 821 (MI) Hello Spring Event (TBD)

18 3000 (NJ) Hungarian Night, Somerset Patriot Stadium

19 630 (MI) District’s 100th Anniversary Celebration, Weber’s Inn, 12 p.m.

27 45 (PA) Memorial Day activities: Mass at St. Mary’s Church, 9 a.m. followed by procession to cemetery; Flag-Raising Ceremony at Unter Uns Club, 12 p.m.; Brush Mountain Sportsman’s Club Ceremonies, 3 p.m.

31 ALL GBU Foundation Undergraduate and Graduate Scholarship applications due

31 291 (PA) District 291 Scholarship applications due

31 2000 District 2000 Scholarship applications due

Date District Event

JUNE

TBD 815 (OH) District Picnic

5 291 (PA) Mother’s/Father’s Day Dinner

8 699 (MI) Bavarian Festival

14 45 (PA) Summer Pie Sale Fundraiser orders due

22 84 (PA) Summer Picnic

24 699 (MI) One Week, One Street!

29 45 (PA) Summer Pie Sale fundraiser order pickup

30 ALL GBU Foundation Four-Year and Two-Year Scholarship applications due

30 ALL GBU High School Freshman Grant applications due

JULY

14 821 (MI) Picnic, St. Peters

21 510 (OH) Picnic, Riedeman’s Farm

27 84 (PA) Luncheon and Ice Cream Social, Scoops

29 510 (OH) Columbus Bus Trip

31 1000 District 1000 Scholarship applications due 31 PA Pennsylvania Fraternal Alliance Scholarship applications due

AUGUST

9 1000 (MI) Mel Ott/Lutheran Night the Ball Park, Jimmy John Stadium, 6 p.m.; contact Glenn Penzien to purchase member ticket package

17 84 (PA) Lancaster Barnstormers Game

23–25 510 (OH) German-American Festival

SEPTEMBER

1 NE New England Fraternal Alliance Scholarship applications due

OCTOBER

1 45 (PA) District 45 Scholarship applications due 27 510 (OH) Trunk-or-Treat

NOVEMBER

3 821 (MI) GBU Choir Fall Concert, GACC

DECEMBER

8 821 (MI) Singing, Detroit’s Historic Unity

13 821 (MI) GBU Christmas Party

WHERE ARE THEY NOW ?

CELEBRATING GBU FOUNDATION SCHOLARS

With district and donor funding, the GBU Foundation has encouraged and assisted members in furthering their education through its scholarship program since 1963. We celebrate GBU Foundation scholarship and grant recipients’ achievements to spotlight the true impact of charitable giving.

Celine van Breukelen Anchorage, AK

Hydrologist, National Weather Service

DISTRICT 815 – DAYTON, OH

GBU Foundation Freshman Scholarship 2003–2006

Ohio State University, B.S., Industrial and Systems Engineering

ABOUT MY GBU FOUNDATION SCHOLARSHIP:

“The scholarship allowed me a little more financial freedom to explore. Due to my ability to travel, I was able to visit Alaska, which I now call home.”

SINCE I GRADUATED:

“In part due to my GBU Foundation scholarship, I was able to graduate undergrad without debt. This allowed me the freedom to explore. I had the opportunity to do something completely different by attending graduate school at the University of Alaska studying civil engineering. This flexibility allowed me to have a career about which I am passionate. I get to help people in a place that I love.”

Presley Dougherty

Mount Airy, MD Graduate Student

The Pennsylvania State University

DISTRICT 291 – SUMMERHILL-LILLY, PA

GBU Foundation Undergraduate Scholarship 2020-2022

GBU Foundation Graduate Scholarship 2023

The Pennsylvania State University, B.S., Mechanical Engineering

The Pennsylvania State University, Pursuing an M.S., Engineering Design

ABOUT MY GBU FOUNDATION SCHOLARSHIP:

“I was able to purchase books, a laptop and more easily afford tuition in school because of my scholarships. I was able to focus on being a student without added financial stress. I was able to maintain good grades and get into graduate school as well. My ultimate goal is to work in automotive design, and I am getting closer to that goal every day. I am so grateful for the people and opportunities that I have been granted that have brought me to where I am today.”

AS AN UNDERGRADUATE:

“I was the controls, brakes and safety lead for the Penn State formula racing team. In that role, I worked on designing, manufacturing, testing the braking system and driver interface and ensuring we had the proper safety equipment. I had two internships with Ford Motor Company’s Vehicle Propulsion Systems Engineering. This past summer, I worked on powertrain simulations for their diesel vehicles and even made the trip to their headquarters in Dearborn, Michigan.”

Mario Gioiello

Bethel, AK

Pilot

GBU Foundation Freshman Scholarship 2019-2022

Kent State University , Aeronautics with Flight Tech Concentration

Elena Gioiello

Cleveland, OH

Dental School Student

GBU Foundation Freshman Scholarship 2019-2022

GBU Foundation Graduate Scholarship 2023

Walsh University , Biology with Business Minor Case Western Reserve University School of Dental Medicine

Three Winners, Three Stories

By Jolena Gioiello

Mario, Elena and Jolena Gioiello, 23-year-old triplets, have been GBU members since they were two years old. The trio grew up in Girard, Ohio, and attended Niles McKinley High School. In 2019, Mario and Elena graduated with 4.0 GPAs as two of six valedictorians, and Jolena graduated with a 3.9 GPA. After graduation, they went separate ways for the first time in their lives and are all on unique paths five years later.

MARIO

Mario attended Kent State University to continue his dream of flying. He majored in aeronautics with a concentration in flight tech. This field of study was a simple choice because he had been a certified pilot as long as he had been licensed to drive. Mario used scholarship funding to pay for his tuition. He worked for Kent University Airport during school. After college, he accepted positions at the Akron/Canton Airport and the Wadsworth Airport to stay in the area. His scholarship funding helped him earn a certificate in multi-engine flight instructor training. With this, he could instruct students at the airport.

“I’ve pretty much lived out of airports since my freshman year,” Mario said. “I even bought a cot to sleep on between my long shifts. It’s hard work, but I wouldn’t want to be doing anything else.”

Jolena Gioiello

Sandusky, OH Education Reporter, Sandusky Register

GBU Foundation Grant 2019

GBU Foundation Undergraduate Scholarship 2020-2021

Ohio State University , Communications

Mario’s long-term plan differed from his pilot classmates. Most sought after flying for big airlines transporting vacationing passengers, but not Mario. Mario was too adventurous. Instead, he explored options 3,000 miles away from his home. At 22 years old, Mario began flying a Cessna 207 and became the youngest pilot on his flight team in Alaska.

“The multi-engine certificate I got with the help of GBU gave me a big leg up in being chosen to fly our larger twin engine airplanes at our company in Bethel,” Mario said. Mario works long hours delivering supplies and transporting passengers around the state, including staying a week alone at a remote site near the Yukon River to make deliveries to surrounding villages. He works two weeks "on" and two weeks “off” but continues working at the Akron/Canton Airport on his “off” weeks.

“I’d like to say thank you to the donors who funded my scholarship from GBU,” Mario said. “I would not be where I am today, especially in as short of a time, without GBU.”

“All three have achieved and still are experiencing so many great steps in life. At all stages, GBU’s financial help was a help for them.”

- Betty Gioiello, Mario, Elena and Jolena’s Grandmo ther

District 3000 – 227 Warren, OH

ELENA

Elena went to Walsh University to study biology with a business minor and take her first steps to becoming a dentist. She spent, and continues to spend, all her time studying, even multitasking with other activities like running or hula-hooping. She will spend hours with a book in her hands and a hula hoop going around non-stop. When not studying, Elena spent her time helping others as a tutor. Her favorite part about tutoring was “the confidence I see in other students when they begin to understand the material and they exhibit an ambition to learn more.”

In the little free time she had, Elena was Sir Walter, Walsh University’s mascot. She was vice-president of Walsh University’s science club and pre-dental club.

Elena received Walsh University’s Outstanding Student Award, the most prestigious student academic honor given to a single senior with a grade point average greater than 3.9, interdisciplinary excellence, intellectual curiosity and a commitment to academic rigor and depth. Elena joined the math and science honors and business honors societies and presented research at the 2023 Ohio Academy of Science Conference.

Elena shadowed a Walsh University alumna and completed an internship at Niles Family Dentistry. When on break from school, Elena shows off her dental skills by practicing on her siblings and goes to her family’s dentist to watch and help him work on patients.

Elena graduated from Walsh University in May 2023 and is studying for a Doctor of Medicine in Dentistry at the Case Western Reserve University School of Dental Medicine. She joined Case Western Reserve University’s Delta Sigma Delta Dental Fraternity.

“College and dental school are expensive, so these scholarships helped alleviate the stress a little bit,” Elena said. “I would like to thank the donors who provided me the opportunity to receive the scholarships, as they have allowed me to continue pursuing my goal of becoming a dentist.”

“No other investment yields as great a return as the investment in education.”

– Brad Henry, former Oklahoma Governor

JOLENA

“I decided to apply for a GBU Foundation scholarship to lighten the overall cost of school,” Jolena said. “I knew I wanted to go on for more schooling, and this really helped me do that.” Jolena studied at Ohio State University (OSU), starting at the branch campus in Wooster, Ohio, and then moved to the Columbus main campus. She studied communications and worked part-time for the university’s engagement center. She was responsible for reaching out to alumni and keeping them engaged through updates on the campus and hospital.

At OSU, Jolena was a member of the Public Relations Student Society of America national organization for students interested in public relations and related fields, the Practice student-run public relations firm on campus, and MUNDO, a club focusing on culture and diversity. After graduating a year early, Jolena continued working for the engagement center and took a role at the American Jersey Cattle Association, an association promoting the Jersey cattle breed. Her responsibilities ranged from writing and sending press releases, updating their website and working on the association’s monthly magazine. Jolena still works remotely for the association.

“The American Jersey Cattle Association and the engagement center both really helped me get where I am now,” Jolena said. “I like working in education, and writing is something I’ve loved for as long as I can remember.” After gaining a year of experience, she moved to Sandusky, Ohio, where she is the education reporter at the Sandusky Register. Jolena covers all things school-related for surrounding counties.

“I feel like I am doing some really important work through the position I have now,” Jolena said. “I’m acting as the messenger between the people making decisions that affect entire communities and those who live in them.” She has collaborated with local superintendents and teachers and officials as high up as the Ohio lieutenant governor. She has covered news stories from statewide debates on private school voucher programs to local schools’ academic competitions.

“Our grandma, Betty Gioiello, was a big help when it came to applying for the scholarship,” Jolena said. “I’m very thankful for her and all the donors who have given to the GBU Foundation's scholarships.”

The Gioiello family has had seven GBU Foundation scholarship recipients in total. Cousins Doug, Matt, Danya and Madison Gioiello also received scholarships.

Please consider donating to the GBU Foundation to support scholarships for extraordinary scholars and leaders like Celine, Presley, Mario, Elena and Jolena. Your gift directly impacts students like them and ripples through our communities and our world.

You may give online at gbu.org/foundation or mail a check to the GBU Foundation, 4254 Saw Mill Run Blvd, Pittsburgh, PA 15227-3394. If you are interested in information about funding your own scholarship or educational grant at the GBU Foundation, please contact Charitable Giving and PR Specialist, Ken Elliott, at kenneth.elliott@gbu.org or 412-336-3246, or the Community Engagement Team at memberbenefits@gbu.org or 800-765-4428.

Notice of 2024 Election for GBU Board of Directors

Board Election

GBU Financial Life’s (GBU) National Bylaws allow all adult insured members (as defined in Article IV, Section 1 of the Bylaws) the right to vote for GBU’s Board of Directors. Ballots will be mailed at the beginning of August 2024 to all eligible members. Eligible members will have the ability to vote by paper ballot via mail or electronic ballot online once they have received their ballot. Cumulative voting or voting by proxy is not permitted.

The Process and Term

The GBU Board of Directors consists of seven (7) elected members and the Chief Executive Officer of the Society, who is appointed by the Board. The elected members serve a term of four (4) years or until their successors are elected and qualified. In 2024, three (3) elected Board seats will stand for election for a four-year term. The other four seats will stand for election during the next election period taking place in 2026.

For 2024, all members of the Society seeking candidacy to the Board must submit their application request in writing via email to:

Office of the CEO boardcandidates@gbu.org

Interested applicants will receive a candidacy packet, which will need to be completed by May 20, 2024. All eligible applicants will constitute the slate of candidates.

Summary of Board Member Responsibilities

The GBU Board of Directors is responsible for the effective governance of GBU Financial Life. Its primary objectives are to provide overall governance of the Society, establish and oversee policies and direction, as well as advise and assist management with the leadership and promotion of GBU in support of its mission, strategy and core values.

GBU Financial Life Bylaw Requirements as per Article VI, Section 1

To be eligible to be a candidate for or serve as an elected Director, all individuals must:

a. be a GBU adult member (as defined by Article IV, Section1 of the Bylaws) age 21 years or older and under the age of seventy (70) years on January 1 of the election year.

b. not be:

(1) a current employee, general agent, or agent of GBU;

(2) a former employee, general agent, or agent of GBU unless three years have expired from the termination date of their employment or GBU agent contract;

(3) a current corporate officer, field manager, sales agent, broker or director of any other life insurance company or fraternal benefit society, or

(4) an immediate family member (parent, spouse, natural or adopted child, sibling) of any person in any of the prohibited categories enumerated above;

c. be capable of assuming the responsibilities as outlined herein and as established by GBU from time to time and possess qualifications that reflect the complexity and magnitude of the business affairs of GBU as well as the desire to promote and support the fraternal benefit system within GBU.

d. not have been removed from office for cause by action of the Board of Directors;

e. have no criminal history other than matters determined insignificant by the Nominating Committee, such as a minor traffic violation;

f. meet all other requirements under the law or established by resolution of the Board of Directors.

Additional Qualifications of Board Candidates

A candidate for an elected Board seat must possess at least one of the following:

- Bachelor’s degree or higher

- Currently holds or has held a management-level position for a minimum of ten (10) years

- Owns a successful business for at least five (5 ) years

- Currently is employed or has been employed in the insurance industry for a minimum of ten (10) years or has held an insurance certification for a minimum of ten (10) years except as specified in the eligibility requirements.

- Serves or has served on a professional Board for a minimum of ten (10) years

Expectations of Board Members

The following are the expectations and commitments of GBU Board members:

- Dedication to and display of the values that are aligned with the mission of GBU Financial Life

- Avoid any conflict of interest

- Be available to prepare for and participate in GBU Financial Life Board meetings. Currently, the Board meets as an entire body five times per year. Board members also are assigned membership and participate in various committees of the Board throughout the year. Currently, the GBU Board has the following committees: Executive, Audit, Investment, Sales and Marketing, Fraternal and Compensation. Board meetings are conducted in person or via the use of any means of communication by which all participants may simultaneously communicate with each other during the meeting

- Participate in the overall governance of the Society through expertise obtained in one or more of the following areas: accounting/finance, general business leadership/management, legal, investment management, sales,

marketing, risk management, human resources, civic leadership or fraternal operations

- Familiarization with GBU Financial Life’s business and fraternal mission, insurance products, policies, procedures, finances, investment practices, service platform and fraternal operation

-Contribution to building a congenial team atmosphere with other GBU Board members

-Understanding of the time commitment of a GBU Financial Life Board member's duties. This is normally between 20-30 days annually. Board members are to be available, either in person or electronically for any special meetings called by the Chair of the Board

2024 GBU Board Election Timeline

First Week of April 2024 – GBU Board election announced and call for candidates in The Reporter.

May 15, 2024 – All requests for Board Candidacy Application packets must be received by the Home Office via the following email: boardcandidates@gbu.org

May 20, 2024 – Completed Board Candidacy Application packets and supporting documents must be received at the GBU Home Office.

June 3, 202 4– Complete eligibility determination of applicants.

July 1, 2024 – All eligible applicants submitted to Independent Election Facilitation Company.

First week of July 2024 – Candidate information runs in the summer edition of The Reporter, along with voting information.

August 1, 2024– Ballots mailed to members.

September 20, 2024 – Balloting closes online; mailed ballots must be received.

September 27, 2024 – Election results independently tabulated and certified and approved by the Board.

FRATERNAL ADVENTURES

The team at the GBU Home Office had a busy holiday season and start to 2024, supporting important causes throughout our area.

GBU CEO Bill Hunt signed off as chair of the Fraternal Societies of Greater Pittsburgh (FSGP) following a successful year. He presented Josh Whiteside of The Education Partnership with the FSGP’s Humanitarian Award at the annual Holiday Luncheon. Bill continues his fraternal leadership as the Chair of the American Fraternal Alliance for 2024.

GBU CMO Lesley Mann visited with PA State Representative Dan Deasy at the NAIFA-Pennsylvania Day on the Hill in late October. In November, she presented the 2023 Giving Hearts Award to Mark Giaquinto at the Ronald McDonald House Charities’ Red Shoe Ball.

toattendedPittsburghMagazine’s40Under40event differencesupportyoungleaderswhoaremakinga inthecity.

GBU CEO Bill Hunt happily accepted the game ball at the University of Pittsburgh’s Pitt Panthers Basketball game. GBU was the official game sponsor for the January 2 game against North Carolina. The Panthers lost 70-57, but have gone on to have a winning season (so far).

Members of District 684 packed quarterly care packages for our service men and women stationed overseas during the Operation Reach Out quarterly packing event.

RachelCummins , AnnaMeek , LesleyMann , Tim Rodman , JenniferStockdaleandAutumn KrewsonfromtheCommunityEngagementteam

Jennifer Stockdale and Tim Rodman from theHomeOfficeCommunityEngagement TeamstoppedbytheMarinesToysfor TotsStuff-a-Buseventtodropoffsome cuddlytoysandadonationonbehalfof GBU members.

Lesley Mann and Marketing and Sales Coordinator

Jenna Giordano kicked off February with a show of support for the American Heart Association’s Go Red For Women campaign.

Community Engagement team members Ken Elliott, Mary Koczan and Jennifer Stockdale met up with NSS Life representative John Payerchin and guest speaker Stuart Johnston at the monthly FSGP meeting.

Ken Elliott, Brian Burns, Joanne Naser and John Naser represented GBU at the American Cancer Society’s annual Dinner Dance to honor childhood cancer survivors.

Chris Stockdale, Jennifer Stockdale and Lesley Mann were also in attendance, as well as several others from the GBU Home Office.

Ross Grosshart, Lesley Mann, Doug Ulrich, Sue Ulrich, Chris Stockdale, Jennifer Stockdale, Kim Aul and Mark Aul represented GBU at the Lending Hearts gala, which also honors childhood cancer survivors.

HAPPY BIRTHDAY TO GBU

Since its inception on April 13, 1892, GBU has been a pillar of stability in the realm of financial services. Founded on the principles of fraternalism and community, the company has witnessed significant changes over the years while steadfastly maintaining its core values.

The More Things Change

One of the most noticeable changes since GBU's founding has been the rapid advancement of technology. In 1892, when the company was established, transactions were recorded by hand, and communication was limited to letters and telegrams. Today, GBU utilizes cutting-edge digital platforms for customer service, claims processing and financial transactions. The introduction of the internet and mobile technology has revolutionized the way the company interacts with its members, making services more accessible and efficient than ever before.

Over the years, GBU has expanded its range of products and services to meet the evolving needs of its members. While the company initially focused on simple financial protection products, it has since diversified into more complex life insurance and annuity products offered in more states. This expansion has allowed GBU to offer comprehensive financial solutions to its members, ensuring that their needs are met at every stage of life.

The regulatory landscape surrounding insurance and financial services has undergone significant changes since GBU's inception. From the introduction of new laws and regulations to the establishment of regulatory bodies, such as the Securities

Exchange Commission (known as the SEC) and the Financial Industry Regulatory Authority (known as FINRA), the industry has become increasingly complex and tightly regulated. GBU has adapted to these changes by ensuring compliance with all relevant regulations and implementing robust internal controls to protect its members' interests.

The More they Stay the Same

Despite these changes, one thing that has remained constant throughout GBU's history is its commitment to fraternalism and community. From its early days, the company has prioritized the well-being of its members and the communities it serves. Whether through charitable initiatives, volunteer efforts or community events, GBU has always been dedicated to making a positive impact on the lives of its members and the wider community.

GBU has undergone significant changes since its founding 132 years ago, adapting to technological advancements, expanding its product offerings and navigating a complex regulatory environment. However, throughout its history, the company has remained true to its core values of fraternalism and community, ensuring that its members receive the support and financial security they need.

GBU + THE ALLIANCE

A Collab For A Strong Fraternal

Timothy Rodman, CPMM

When I came on board GBU Life (GBU) last year, I was just learning about fraternal benefit societies and their place in history. I was fortunate enough to receive an invitation from the American Fraternal Alliance (the Alliance) to learn more about the role that this important organization plays in uniting fraternal benefit societies like GBU.

The Alliance unites more than 50 not-for-profit fraternal benefit societies, including GBU, operating in fifty states, the District of Columbia and Canada. The organization “unites members through Advocacy, Education and Networking,” which is key to keeping fraternal societies modern and relevant in today’s fast-paced society. GBU has been a member for years and works closely with the Alliance, but most recently, GBU CEO William (Bill) Hunt has been a board member and key leader in helping the Alliance expand its mission. This year, Bill is serving as chair of the board and leading key initiatives along with ten other leaders representing the Alliance’s membership and CEO Allison Koppel, as they advocate for and modernize the role of fraternal organizations.

Advocacy

The Alliance engages in initiatives such as lobbying for legislation that benefit its members and their communities while keeping an eye on and preparing defense against legislation that could be harmful to member societies. The Alliance collaborates with member societies to highlight community service projects, raise awareness about important social issues and host educational events.

FCD Graduating Class #2

Education

The Alliance recently developed the Fraternal Career Development Series (FCD) to help retain and nurture young and up-and-coming talents in the industry. Programs like this help to secure the future of member societies while fostering innovative ideas. The Alliance collaborates with member organizations to help solve industry problems, nurture relationships and invigorate the programs and benefits offered by fraternal benefit societies.

Networking

The open exchange of ideas is key to the long-term growth of the fraternal industry. The Alliance supports this by fostering an atmosphere of non-competitive and collaborative idea-sharing between societies. Leaders from member societies have opportunities to meet at the Alliance’s annual Spring Symposium and other regional networking events held throughout the year. There are also many opportunities to meet virtually.

In April 2024, I will be finishing the FCD program along with my GBU colleagues Anna Meek, Ken Elliott, Mary Koczan, Janine Brickner and Leah Teahl. We have learned invaluable leadership skills, from the way we receive information and make decisions to various communication styles among our teams and how we can best work together. The energy and resources that both GBU and the Alliance are investing in the future of fraternalism are amazing to me as someone new to this side of financial products. As forward-thinking organizations, GBU and the Alliance understand that good leadership is evergreen and not limited to a specific industry. To retain a top talent pool, it is crucial to equip those up-and-comers with the tools they need to succeed.

“The Alliance recognized the need to nurture this group of our members and we are thrilled with how the FCD students have embraced this program. They are taking the lessons they’ve learned and applying them within their societies.”

– Allison Koppel, CEO, American Fraternal Alliance.

I asked Bill Hunt about what has changed in the fraternal industry since he joined the board and what his vision is for his presidential term.

“Since joining the board, I have witnessed significant changes in the fraternal industry. There’s been a shift towards greater collaboration among fraternal organizations, increased focus on leveraging technology to enhance efficiency and growing emphasis on enhancing and expanding member engagement.”

“As I look ahead, I foresee the continuation of efforts that strengthen those collaborations and promote innovation within the industry while we continue to support the well-being and growth of our members, our Societies and our communities.”

– William (Bill) Hunt, CEO, GBU Life.

GBU Financial Life and North American Swiss Alliance

Dear Members:

During the last several months, GBU Financial Life (GBU) and the North American Swiss Alliance (NASA) held discussions relating to the merger of our two societies and the benefits that our memberships would derive. NASA was founded in 1865 in St. Louis, MO, but was incorporated in Ohio in 1889. The group is an active member of the German American Festival (GAF), as is our GBU District 510–Toledo, OH. NASA has approximately 1,950 members and $3.4 million in assets. NASA’s life insurance products are very similar to those offered by GBU.

After proper and due consideration, the Board of Directors of GBU and NASA have approved an Agreement of Merger. In accordance with Pennsylvania insurance laws, GBU must formally notify the entire GBU membership of the terms of the merger. Sixty days after notification of the GBU membership, the highest governing body of GBU, the Board of Directors, will conduct a final review of the merger and any feedback from GBU members. Afterwards, the Board will vote on the final approval of the Agreement of Merger. Finally, the Board-approved Agreement of Merger must be submitted to the Pennsylvania and Ohio Insurance Departments for their approval. The societies are targeting June 30, 2024, as the effective date of the merger.

Active NASA districts will become regular districts within GBU and will be able to maintain and develop their fraternal mission and activities with the addition of the member benefits and district support provided by GBU. GBU’s portfolio of life and annuity products, as well as member benefits, will be made available to NASA members. GBU, the remaining entity, will be responsible for the administration and management of the society.

Please review the following Agreement of Merger, which provides detailed information. Should you have any questions or concerns regarding this proposed merger, please feel free to contact me by email at william.hunt@gbu.org or via U.S. mail at the following address:

William W. Hunt, Chief Executive Officer

GBU Life

4254 Saw Mill Run Boulevard Pittsburgh, PA 15227

Sincerely,

William W. Hunt, CEO

Agreement of Merger

This Agreement of Merger ("Agreement") is entered into by and between the North American Swiss Alliance ("NASA") and GBU Financial Life ("GBU") (each a “Society” and collectively the "Societies")

RECITALS

1. NASA is a nonprofit corporation and fraternal benefit society organized and existing under the laws of the State of Ohio. Its principal place of business is in the city North Olmsted, Ohio.

2. GBU is a nonprofit corporation and fraternal benefit society organized and existing under the laws of the Commonwealth of Pennsylvania. Its principal place of business is in the city of Pittsburgh, Pennsylvania.

3. The Boards of Directors of NASA and GBU have agreed that a merger of the two Societies would be in the interests of the Societies and their respective members and would provide increased financial security for members.

AGREEMENTS

1. Form of Transaction. NASA, will be merged with and into GBU (the "Merger") with GBU as the survivor of the Merger (the “Merged Society”). The Merged Society will continue as a Pennsylvania nonprofit corporation and domestic fraternal benefit society with its principal place of business at the business address of GBU in Pittsburgh Pennsylvania.

2. Governing Documents. The Articles of Incorporation and Bylaws of GBU will be the governing documents (the "Governing Documents") of the merged society (the "Merged Society") as of the Effective Time

3. Members and Benefits. On the Effective Time, the members of both Societies will be members of the Merged Society, with the rights, obligations and privileges of membership under the Governing Documents. NASA members will

become eligible for fraternal benefit programs of the Merged Society

4. NASA Branches. All active NASA Branches will continue as subordinate Districts of the Merged Society and will retain their members, leaders, assets, and, if applicable, their status as corporate entities subordinate to the Merged Society

5. Name The name of the Merged Society as of the Effective Time will be GBU Financial Life. The Merged Society will retain the right to use the names, trademarks and service marks of each of the Societies, including, but limited to, "North American Swiss Alliance" and other names in use by NASA NASA membership and identity may be referred to as a division of GBU.

6. Assets. To the maximum extent required or permitted by Ohio and Pennsylvania law, as applicable, the rights, privileges and interests of NASA, and all property, real, personal and mixed, and all debts due to NASA on whatever account, including without limitation premiums, will be taken and be deemed invested in the Merged Society without further act or deed. All property, rights, privileges and franchises, and every other interest will be thereafter the property of the Merged Society as they were of NASA. The title to any real estate or interest therein, vested by deed or otherwise in NASA, will not revert or be in any way impaired by reason of the Merger. All assets assumed by the Merged Society hereunder are transferred “as is” and NASA makes no representations or warranties, express or implied, or by operation of law, with respect to the condition of these assets or their fitness for a particular purpose.

7. Liabilities

To the maximum extent required or permitted by Ohio and Pennsylvania law, as applicable, the Merged Society will assume all the liabilities and obligations of NASA, including, without limitation, the obligations to fund and perform on benefit contracts issued by NASA to its members, any agreements between NASA and third parties, such as reinsurers, vendors,

lessors or employees. The rights of the creditors of NASA, or of any persons dealing with the Societies, will not be impaired by the Merger For the avoidance of doubt, all current and former directors and officers of NASA shall be deemed former directors and officers of GBU for purposes of the indemnification provided to such individuals under the Governing Documents of the Merged Society.

8 Endorsement The benefit contract(s) for each NASA member that was in effect on the Effective Time will be endorsed with a Merger Endorsement, in the form agreed to by the Societies in writing, which will be attached to and become a part of the benefit contract(s) of each member.

9 Leadership The Directors and Officers of GBU will be the Directors and Officers of the Merged Society. These are:

Lea Ann Hazi

David E. Bevins Chairman Director

Joseph S. Bielecki Director

Donna L. Brophy Director

Christina MacKellar Director

David L. Pringle Director

John B. Schmotzer Director

William W. Hunt Director and Chief Executive Officer

Mark Cloutier Senior Vice President/ Chief Financial Officer

Lesley B. Mann Senior Vice President/ Chief Marketing Officer

Deborah L. Morgan Senior Vice President of Operations

10. Cooperation. Each Society will take all reasonably appropriate actions and execute any additional documents, instruments and conveyances of any kind which may be reasonably necessary to carry out any of the provisions of this Agreement.

11. Confidentiality. Societies will comply with terms of confidentiality agreement between the Societies dated August 3, 2023, provided, however, that the obligations of Merged Society

will expire on the Effective Time except to the extent required by applicable law.

12. Conditions. The obligations of a Society to consummate the transactions contemplated by this Agreement are subject to the satisfaction of the following conditions:

a. All government consents that are required for the consummation of the transactions contemplated by this Agreement have been obtained and will be in full force and effect. This includes, without limitation, required approvals by the Ohio Department of Insurance and the Pennsylvania Insurance Department.

b. Any required third-party consents will have been obtained and will be in full force and effect; provided, however, that any such consents not obtained by a Society, but waived by the other Society, will not be an unfulfilled condition.

c. There is no pending action or proceeding, before any Governmental Entity, (i) challenging or seeking to make illegal, or to delay or otherwise directly or indirectly restrain or prohibit, the consummation of the transactions contemplated hereby or seeking to obtain material damages in connection with such transactions, (ii) seeking to prohibit direct or indirect ownership or operation by GBU of all or a material portion of either Society's assets as a result of the transactions contemplated hereby, (iii) seeking to invalidate or render unenforceable any material provision of this Agreement or (iv) otherwise relating to and materially adversely affecting the transactions contemplated hereby.

d. There has not occurred, nor has there been discovered, any event, fact or circumstance that would have a Material Adverse Effect on a Society. For purposes of this paragraph d and section 14, paragraph b., the term Material Adverse Effect means, as respects GBU, facts, events or circumstances which individually or collectively would result in the Society’s RBC falling below Company Action Level RBC and, as respects NASA, facts,

events or circumstances which individually or collectively would result in NASA's surplus falling below $500,000.

e. Each Society's supreme governing body, by a resolution duly adopted, has approved this Agreement and the transactions hereby contemplated pursuant to applicable law and their Articles of Incorporation and Bylaws.

f. At the closing, each Society shall provide the other with a certificate of good standing from its state of domicile, foreign qualifications applicable to its operations with respect to the Merger, a certificate from its President attesting to and confirming its tax-exempt status, and satisfactory evidence that each Society is authorized to transact business as a fraternal benefit society in the states of Ohio and California.

13. Closing. The closing of the transactions contemplated by this Agreement will take place at a time mutually agreed to by the Societies ("Closing Date") after all conditions to the Society's obligations set forth in this agreement have been satisfied or waived by the Society entitled to the benefit of such condition. Immediately after the closing, GBU shall file all documents required to effectuate the Merger with each applicable government authority, to be effective on June 30, 2024, or such other time as the Societies may agree (the “Effective Time”) The Merged Society shall provide the individual serving as President of NASA immediately prior to the Effective Time, with a copy of the certificate provided by each applicable government authority certifying the effectiveness of the Merger.

14. Termination This Agreement and the Merger contemplated thereby may be terminated at any time prior to the Closing Date as follows:

a. By the mutual written consent of GBU and NASA;

b. By either GBU or NASA if there has been a material misrepresentation or breach ("Breach") that has not been cured within thirty (30) days after receipt of written notice of the Breach, but only to the extent that the

Breach would have a Material Adverse Effect as defined in Section 12, paragraph d;

c. By either Society if the transactions contemplated hereby have not been consummated by December 31, 2024 or if a Society reasonably determines that the conditions described in section 12 will not be met; or

d. By either Society, if there is any order, injunction or decree of any governmental entity which prohibits or restrains either Society from consummating the transactions contemplated hereby, and such order, injunction or decree is final and non-appealable.

15. Effect of Termination. In the event of the termination of this Agreement by either GBU or NASA all provisions of this Agreement will terminate, and there will be no liability on the part of GBU or NASA or their respective members, officers, directors, or agents except that the Societies will remain liable for breaches of this Agreement occurring prior to the time of such termination. The provisions of section 11 of this Agreement survive any such termination.

16. Amendment and Waiver. This Agreement may not be amended or waived except in a writing executed by the Society against which such amendment or waiver is sought to be enforced. No course of dealing between or among any persons having any interest in this Agreement will be deemed effective to modify or amend any part of this Agreement or any rights or obligations under or by reason of this Agreement.

Post Closing

17. Post-Closing. Following the closing of the Merger, the Merged Society shall assume responsibility for handling all insurance, corporate and state and federal tax filing responsibilities accruing to NASA prior to the Effective Time.

18. Notices. All notices, demands and other communications to be given or delivered under or by reason of the provisions of this Agreement will be in writing and will be deemed to have been

given when personally delivered or three days after being mailed, if mailed by first class mail, return receipt requested, or when receipt is acknowledged, if sent by electronic transmission device.

19. Assignment. This Agreement and all of its provisions are binding upon and inure to the benefit of the Societies and their respective successors and permitted assigns, and neither this Agreement nor any of the rights, interests or obligations hereunder may be assigned by a Society without the prior written consent of the other Society.

20. Third-Party Beneficiaries Except for those rights and liabilities assumed by or vested in the Merged Society under this Agreement and or applicable law, nothing in this Agreement will confer any rights upon or create any liabilities in any person or entity other than the Societies or permitted assignee of a Society. The current and former officers and directors of NASA shall be third party beneficiaries for purposes of the last sentence of Section 7.

21. Severability. Whenever possible, each provision of this Agreement will be interpreted in such a manner as to be effective and valid under applicable law, but if any provision of this Agreement is held to be prohibited by or invalid under applicable law, such provision will be ineffective only to the extent of such prohibition or invalidity, without invalidating the remainder of such provision or the remaining provisions of this Agreement.

22. Complete Agreement. This Agreement contains the complete agreement of the Societies and supersedes any prior understandings, agreements or representations by or among the Societies, written or oral, which

may have related to the subject matter if this Agreement in any way; provided The section, paragraph and other headings of this Agreement are for reference purposes and will not affect the meaning or interpretation of the Agreement.

23. Signatures; Counterparts. This Agreement may be executed in one or more counterparts, any one of which need not contain the signatures of more than one Society, but all such counterparts taken together will constitute one and the same instrument.

24. Governing Law. The laws of the Commonwealth of Pennsylvania will govern all questions concerning the construction, validity and interpretation of this Agreement and the performance of the obligations imposed by this Agreement, except to the extent the terms and approval of this Agreement are subject to the regulatory authority of the Ohio Department of Insurance.

IN WITNESS WHEREOF,

the Societies have executed this Agreement as of the day and year first above written.

NORTH AMERICAN SWISS ALLIANCE

By: Donald P. Robison President

Witness:

GBU FINANCIAL LIFE

By:

William W. Hunt Chief Executive Officer

Witness:

JUNIOR ACHIEVEMENT INSPIRE

he Merged Society will assume all the liabilities and obligations of , ,including without limitation, the obligations to fund and perform on benefit contracts issued by NASA to its members, any agreements between NASA and third parties, such as reinsurers, vendors,

WOOSTER, OH

to any real estate or interest therein, vested by deed or otherwise in ert or be in any way impaired by easonr of the Merger. All assumed by the Merged Society hereunder are transferred “as is” and NASA makes no representations or ,warranties express or implied, or by operation of law, with respect to or their fitness for o the maximum extent required Ohio and Pennsylvania law, as

Society without further act or deed ll property, rights, privileges and franchises, and every other interest will be thereafter the property of the Merged Society he title

6. Assets oT the maximum extent required or permitted by Ohio and Pennsylvania law, as applicable, het rights, privileges and interests of ,NASA and all property, real, personal and mixed, and all debts due to on whatever account, including without limitation premiums, will be taken and be deemed invested in the Merged

The Merged Society will retain the right to use the names, trademarks of each of the ,Societies including, but limited to North American Swiss "Alliance and other names in use by .NASA NASA membership and identity may be referred to as a division of GBU.

Junior Achievement (JA) USA is the nation's largest organization dedicated to giving young people the knowledge and skills they need to own their economic success, plan for their futures and make smart academic and economic choices.

5. Name The name of the Merged Society as of the Effective Time will be GBU Financial Life.

4. NASA Branches Branches will continue as subordinate the Merged Society will retain their ,members ,leaders ,assets and, if applicable, their status as corporate entities Merged .Society

2. Incorporation and Bylaws of GBU governing documents (the "Governing Documents") of the merged society (the "Merged Society") as of the Effective

The Merged Society will continue as a Pennsylvania nonprofit corporation and domestic fraternal benefit society with its principal place of business address of GBU in Pittsburgh Pennsylvania

Junior Achievement programs focus on developing school-age children in the areas of work readiness, entrepreneurship and financial literacy and are heavily dependent on community volunteers to operate.

1. , will be merged with and into with GBU as the survivor of the Merger (the “Merged .Society”)

3. The Boards of Directors of NASA and GBU have agreed that a merger of the two Societies would be in the interests of the Societies and their respective members and would provide increased financial security for members.

2. nonprofit corporation and fraternal benefit society organized and existing under the laws of the Commonwealth of Pennsylvania. Its principal place of business is in the city of Pittsburgh, Pennsylvania.

JA Inspire is more than a career fair; it brings together the business community and local schools and is designed to help launch middle school students into their futures—high school, college, and careers beyond. At JA Inspire’s in-person events, students interact with company representatives and participate in hands-on activities, often using equipment or tools used on the job.

.1 NASA is a nonprofit corporation and fraternal benefit society organized and stingexi under the laws of the S . Its principal place of business is in the city North Olmsted, Ohio.

RECITALS

Swiss Alliance ")NASA(" and GBU Financial Life ("GBU") each( a “Society” and collectively the .")Societies"

3. Time, the members of both Societies will be members of the Merged Society, with the rights, obligations and privileges of membership under the Governing Documents. NASA members will become eligible for fraternal benefit programs of the Merged Society

Agreement of Merger

From helping the students dress for success to operating the student exit table, GBU members and employees were able to spend the day sharing realworld work experiences and participating in hands-on engagement with the over 900 students who attended.

This Agreement of Merger ("Agreement") is entered into by and between the North American

GBU MEMBERS DAVID AND ILENE STARR AND GREAT LAKES DISTRICT ENGAGEMENT SPECIALIST LAQUEETA COLEMAN

COMMUNITY CONNECTIONS

COMMUNITY CONNECTIONS

GIVE BACK GROUPS PROJECT SPOTLIGHT

Support GBU Community Pillars Through Project Start-up Funds

Are you passionate about giving back to your community but not sure where to start? Consider applying for project start-up funds with GBU’s Give Back Groups. As a project leader, you can plan your own project to help your community, and GBU will reimburse you for associated expenses (up to a certain amount). Read stories from fellow GBU members who support GBU’s Community Pillars of Wellness, Education, Charitable Giving and Hometown Hero Support in their area through project start-up funds!

Wellness

Location: Wayne County, MI

GBU Member: Donna Povich

Benefiting Organization: Friends for Animals of Metro Detroit

Project Description: Donna and fellow GBU members got together to purchase and collect food, blankets and towels for the animal shelter.

Hometown Hero Support

Location: Fayette County, PA

GBU Member: Ken Firestone

Benefiting Organizations: Normalville VFW, Springfield VHC, Indian Head VFD

Project Description: Ken and his team made phone calls, had collection boots in the community and facilitated an auction to help support three volunteer fire departments.

Location: Fond du Lac County, WI

GBU Member: Susan VandeBerg

Benefiting Organization: REACH Waupun

Project Description: Susan connected GBU and Lions club members to host a chili and warming station during the city-wide weekend event. The funds raised helped to support a local not-for-profit student mentoring program.

Charitable Giving Education

Location: Washington County, PA

GBU Member: Mary Ann Berty

Benefiting Organization: Student run Trinity Leadership Committee

Project Description: A team of GBU members led by Mary Ann hosted a silent disco dance for special needs students and invited other schools to participate!

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 2023

For more information or to submit an application, visit REPORTER.GBU.ORG/BIRTHDAY-MATCH

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!

Nominations are now being accepted for the 2024 Volunteer of the Year

The Volunteer of the Year award is an honor GBU presents to recognize a GBU member who, through example and accomplishment, provided outstanding volunteer service to his or her community and/or district during the past year.

The GBU 2024 Volunteer of the Year award is based on volunteer service performed from July 1, 2023, to June 30, 2024.

Celebrate a fellow member's accomplishments by completing the Volunteer of the Year nomination form at gbucares.org/volunteer-of-the-year.

All nomination forms must be received by Friday, August 2, 2024. Incomplete entries or entries received after the deadline will not be considered.

For questions about this program or to request a paper nomination form, please contact GBU's Community Engagement Department at memberbenefits@gbu.org or call 800-765-4428.

2024 Recipient: Nominate today!

2023 Recipient: Lauren Botticelli

2022 Recipient: Dan Marshall

Winners in each of GBU Life's Four Community Pillars–Wellness, Education, Charitable Giving and Hometown Hero Support

Wellness Education

Charitable Giving

First Prize

$10,000

Second Prize

$5,000

Third Prize $2,500

The ALS Association

The Little Fox-Toby’s Foundation

A Glimmer of Hope Foundation

Hometown Hero Support

Western Allegheny Community Library Women’s Center & Shelter Operation Troop Appreciation

Washington Health System Teen Outreach

Mooncrest Neighborhood Programs

Light of Life Rescue Mission Veterans Parsonage

Greater Pittsburgh Community Food Bank

Congratulations! Thank you, voters, for supporting your favorite finalists!

Hermitage Volunteer Fire Department

We’d like to thank our corporate partners for supporting our inaugural Community Grant Awards program.

Key Contributing Sponsors

Heeter Direct

iHeart Radio

North Shore Pools and Service

Contributing Corporate Sponsors

Hoffmann Murtaugh Advertising

Optimity, Inc.

Pittsburgh Quarterly

Congratulations! Thank you

Mother ’ s Day Father's Day

Spring is a season when we honor and remember loved ones. With Mother’s Day, Father’s Day, graduation and wedding season upon us, we cherish the memories of those we’ve lost and express our love and gratitude to those most important to us.

This year, please consider making a gift to the GBU Foundation in honor or memory of a loved one. Your gift can support students as they further their education or support charitable organizations doing impactful work in communities.

You may choose to donate a leaf on the fraternal tree or a spot on the fraternal mosaic project. Your donation of any size will be listed in an upcoming issue of The Reporter

You can get more information about the GBU fraternal tree and community mosaic project at GBU.org/foundation.

Donate Here

GIVE BACK GROUPS PROGRAM CHANGES

Changes to the Give Back Groups Program Effective March 1, 2024

Thank you for supporting your community through the Give Back Groups program! To ensure the long-term sustainability of the program, we have made some updates to the Give Back Groups donation-matching program guidelines, effective March 1, 2024. Please read over the updated guidelines before submitting your request. Guidelines for project start-up funds remain the same.

GBU will match funds raised for eligible organizations of up to $1,000 per participating insured member and up to $500 per participating social member (up to $5,000 per project).

Eligibility Guidelines

The benefiting organization must be a 501(c)(3) organization listed on Charity Navigator or provide documentation of 501(c)(3) status OR

Matching funds must be for specific funds, projects or programs for schools, churches, other religious organizations or civic organizations.

Insured members may lead up to two Give Back Group projects per year and may participate in up to two additional projects.

Social members may lead one Give Back Group project per year and may participate in one additional project.

AND the benefiting organization, fund, project or program must:

Impact your local community OR

Bring members of your community to work together for a cause outside your community, such as making care packages, or collecting items for those in need in other communities or countries.

Ineligible organizations, funds, projects or programs include those that:

Are political.

Are controversial or serve a negative purpose.

Fund outreach or teaching of any specific religion or point of view.

Provide general funds for schools, churches, other religious organizations or civic organizations. Send funds outside of the local community without bringing community members together to work together for a cause.

The maximum amount an organization may receive each year is $20,000.

GBU will approve a maximum of 13 projects per month. If fewer than 13 projects are submitted in a month, the balance of available projects can be carried over to the next month.

Choose how to help your community and start a Give Back Group or request project start-up funds today! Visit gbucares.org/give-back-groups

MemorialDay May 30th May 30th

Remember and Honor

What better way to remember a loved one who served than by supporting one of GBU’s Hometown Hero Support projects? For the month of May, GBU will match your donation to an organization that supports our military and veterans up to $100. You can also turn in volunteer hours, and GBU will donate $15 for each volunteer hour back to the organization with which you volunteered. Help support military and veterans’ organizations such as Operation Troop Appreciation, Waynesburg University’s Veteran and Military Affiliated Center, Folds of Honor and Military Community Support Project by donating to GBU’s Operation Reach Out fund at gbucares.org/operation-reach-out.

Donate Here

Helping Veterans and Their Families Navigate Higher Education

GBU Life recently became a corporate partner of the Veteran and Military Affiliated Center at Waynesburg University, located in Waynesburg, Pennsylvania. Established through the center’s partner program, this partnership will support Waynesburg University’s initiatives to serve veteran and military students as well as the veteran and military populations in the region through community collaboration and service opportunities.

Located at the heart of campus on the first floor of Miller Hall, the University’s Veteran and Military Affiliated Center offers Dedicated programs and services for veteran and military-affiliated students, Information and assistance with military benefits and resources, A gathering point for veteran and military-affiliated students and A place to learn about Waynesburg University’s connection to service in the armed forces.

“We are so very grateful for the support of GBU,” said Dr. Michelle Steimer, Director of Veteran and Military Student Services and Initiatives. “Their generous donation will directly support our efforts to expand services to not only our veteran and militaryaffiliated students, but also to veterans in our surrounding communities through our service and community outreach. Through my work with the center, I get the privilege of seeing our impact in the community each day. I am looking forward to continued partnership with both GBU and their members.”

ABOUT WAYNESBURG UNIVERSITY

Waynesburg University’s Strategy for the 21st Century affirms its commitment to developing an entrepreneurial mindset and ethical leadership skills for all students. Consistently ranked a best value school and rooted in its mission of faith, learning and service, the private Christian university is located on a traditional campus in the hills of southwestern Pennsylvania, with an additional site for graduate and professional programs in Southpointe.

GBU Partners with Waynesburg University to expand services for veterans in western Pennsylvania

Dr. Michele Steimer of Waynesburg University and Ken Elliott and Jennifer Stockdale of GBU Life

GBU Life and our members collectively improve and strengthen communities by supporting organizations under GBU's four Community Pillars—Wellness, Education, Charitable Giving and Hometown Hero Support. This spring issue’s update includes opportunities to get active and enrich your community through volunteering and fundraising for our pillar organizations.

WELLNESS

Ronald McDonald House Charities

GBU Life is a 2024 Lead Mission Partner for Ronald McDonald House Charities (RMHC ) of Pittsburgh and Morgantown, Inc. RMHC programs help families with ill or injured children stay together and near leading hospitals and health care services worldwide, ensuring they have access to the medical care their children need while fully supported and actively involved in their children’s care.

In addition to the traditional Ronald McDonald House, RMHC of Pittsburgh and Morgantown, Inc. operates a Ronald McDonald Care Mobile that provides dental, medical and other health care to underserved communities. Read more about our partner organization at rmhcpgh-mgtn.org/

RMHC has other local chapters around the world that offer Ronald McDonald House, Ronald McDonald Care Mobile and Ronald McDonald Family Room programs. Ronald McDonald Family Rooms are respite spaces in hospitals, often steps from pediatric units, where parents can rest, eat, shower and recharge away from the medical environment.

Visit rmhc.org/find-a-chapter to find the chapter or program closest to you and learn how you can get involved. Opportunities include making or sponsoring meals, preparing welcome kits, donating wish list items, running a pull tab campaign and joining the Red Shoe Society.

EDUCATION

DonorsChoose

Support a teacher near you! You can contribute to supplying local classroom needs through DonorsChoose, an online crowdfunding platform connecting donors and teachers.

GBU recently funded two classroom projects requested by local teachers on DonorsChoose.

Futuristic Sphero Skills | Project by Mrs. Staab

Provides Sphero robots to teach coding and robotic skills for STEM club students in Grades 6-8 at Brentwood Middle School

“Thank you so much for donating to STEM club! We will use these for bowling competitions, robot battles and so much more. Students are so excited to have these robots to help learn coding and so much more. They literally cheered when I told them! Thank you so much we cannot appreciate it enough!! With gratitude, Mrs. Staab”

A Book for Every Reader | Project by Ms. Nevels

Provides classroom books for students in Grades 3-5 at the Young Scholars of Western PA Charter School

“Thank you for your contribution! Your donation will not go unnoticed! My students will be so excited to see new books in the classroom! They will be even more ecstatic to hear that they are books of a genre we have very little of. Thank you again for all that you do and for helping our class! With gratitude, Ms. Nevels”

Visit the DonorsChoose website (donorschoose.org), click the “Find a classroom to support” or use the map feature to locate classroom projects closest to you (donorschoose.org/donors/map.html)

Mothers Against Drunk Driving (MADD)

2024 is GBU’s second year as a Contributing Regional Sponsor of MADD NY|NJ|PA. MADD’s mission is to end drunk driving, help fight drugged driving, support the victims of these violent crimes and prevent underage drinking.

Annual Walk Like MADD fundraising events will be occurring across the country to raise awareness and funds to end drunk and drugged driving.

Walk Like MADD Pittsburgh is celebrating its 10th anniversary in 2024. GBU members Pam Ondash and Natalie Parkinson organized the first walk to help save the lives of others in memory of Pam’s son, David, and Natalie’s daughter, Renee, who were killed by drunk drivers. Pam and Natalie said that watching the walkers returning to that first walk was emotional and still is years later.

For years, Pam turned in her volunteer hours to the One Hour at a Time program to help support the walk. She shared, “I appreciate the magnitude of what GBU does for the community, not just for MADD.” Natalie added, “As a victim, it is very meaningful that the GBU community supports MADD’s cause.”

Walk like MADD Pittsburgh: May 19, 2024, at 8:00 AM, North Park–Rose Barn & Boat House, Allison Park.

Locate other MADD events in your area at walklikemadd.org or scan the QR code on the right. There are many other ways to get more involved with MADD, including becoming an advocate, a volunteer Victim Advocate, a Help Line volunteer or a Victim Impact Panel Coordinator.

Scan me to view other MADD events in your area.

CHARITABLE GIVING

Feeding America

Team Feed Virtual Food Drives

Feeding America supports 200 food banks and 60,000 food pantries and meal programs throughout the USA. In 2024, consider holding a Team Feed Virtual Food Drive with your family, friends, neighbors, coworkers and community groups. Together, you can have a greater impact on providing meals for those in need!

Financial contributions allow Feeding America to leverage relationships with manufacturers, retailers and farmers to get food banks, food pantries and meal programs the same food items you donate but at a much lower cost than you would spend in a store. Your dollar gets a lot more than through a traditional food drive.

Marine Toys for Tots Program

What does the Marine Toys for Tots Program do in between annual toy drives?

Scan me to start your own Team Feed Virtual Food Drive or visit feedingamerica.org.

The Toys for Tots Program year-round outreach includes a Foster Children Program, a Native American Program, a Youth Ambassador Program and a Literacy Program.

The Foster Children Program provides toys, books and educational resources for foster children when they are moved into a new housing situation

The Native American Program helps provide toys and books to over 180,000 Native American children on reservations and supports a Navajo Literacy Program with the Office of the Vice President of the Navajo Nation

As part of the Youth Ambassador Program, youth volunteers for the Toys for Tots Program are selected to be representatives within their communities and help engage other young people to support local campaigns

The Literacy Program provides books to children in need or their schools, libraries or other programs that benefit them

Visit toysfortots.org to find out more about the Toys for Tots Program, these additional programs and how you can connect with and volunteer for a local chapter.

American

Notes from the Home Office

UPCOMING HOLIDAYS

The GBU Home Office will be closed on Monday, May 27, 2024, for Memorial Day.

WINTER 2023 COOKIE QUEST WORD SEARCH WINNER

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

Lucky $25 Amazon Gift Card Winner

Michelle M.

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 in the age range of 10 to 14 years old.

For privacy, only the first name with last name initial and the city and state the participant is from will be listed.

WINTER 2023 COOKIE QUEST WORD SEARCH ANSWERS

SAVE THE DATE!

FOR GBU AT THE ZOO

Take a walk on the wild side! Join us for the GBU L ife community days at the Pittsburgh Zoo & Aquarium and Detroit Zoo.

PITTSBURGH, PA

SUNDAY, JUNE 2, 2024

DETROIT, MI

SATURDAY, JUNE 29, 2024

Pittsburgh Zoo & Aquarium

10:00 am-2:00 pm

7370 Baker St, Pittsburgh, PA 15206

Detroit Zoo

10:00 am-2:00 pm 8450 W 10 Mile Rd, Royal Oak, MI 48067

Reader Service Form

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Fraternal Puzzle Drawing Entry (Members Ages 10–14)

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TIME-DATED MATERIAL

PROTECT WHAT MATTERS MOST

LawAssure is an easy-to-use online service that uses smart technology to help you prepare essential legal documents. This paid service is available completely free to GBU Life insured members.

With LawAssure, you can create a customized will or access important legal documents that allow you to assign power of attorney or establish healthcare directives–all from the comfort of your own home.

KEY DOCUMENT SERVICES

LawAssure uses smart technology to prepare essential legal documents that are tailored to your needs and help you protect your home, family and assets.

WILLS

LawAssure’s technology makes it easy for you to create a high-quality will that outlines your wishes and makes things easier for your loved ones.

HEALTHCARE DIRECTIVES

LawAssure’s healthcare directives and living wills let you make your endof-life preferences known in case you are no longer able to express them.

POWERS OF ATTORNEY

LawAssure’s powers of attorney help you give permission to a loved one or trusted advisor to handle your financial affairs.

TRUSTS

LawAssure’s trusts help you to manage and distribute your assets without court interference.