April 8, 2023

Copyright © 2009. UNFCU Financial Advisors, LLC. All rights reserved.

International Mobility

By Stephen J. Ryerson, PresidentUNFCU Financial Advisors

Serving you, around the world.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20232

Contents

Company Background …………. 3

Our Philosophy ……………….... 4

Office Locations ……………….. 5

Services & Programs…………… 6

Online Programs………………...16

Corporate Websites……………...17

Disclosures …………………….. 18

Contact Info ……………………. 19

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20233

Company Background

UNFCU Financial Advisors is a wholly owned subsidiary of the United Nations Federal Credit Union - a financial organization serving the United Nations community since 1947 with a tradition of trust, integrity and unparalleled service. This tradition and commitment is now extended through UNFCU Financial Advisors to individuals, credit unions, non-profit organizations, small businesses and corporations.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20234

Our Philosophy

• We are committed to your financial well being through providing advice ensuring that your needs and goals are being addressed in a comprehensive way.

• We offer advice that … – is objective, unbiased and independent – you can trust – is clear and concise – simplifies your life – is affordable

• We have identified and carefully evaluated partners to ensure that expertise in all relevant areas is available to our clients.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20235

Office Locations

• Long Island City, NY• Washington, DC• Geneva, Switzerland• Vienna, Austria (UNFCU Advisors, GmbH)

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20236

International Mobility Market• A substantial expense for global corporations: costs for an average three-year assignment

can easily eclipse $1 million

• Close to 40% of international assignments fail to accomplish basic business objectives. Significant attrition among expatriates drains an employer’s investment

• Expatriates consistently rate personal security and access to adequate health care among the most pressing concerns during an assignment

• Domestic health insurers retrench and lack flexibility to deal with personal and professional requirements and the changing times

• International Assignees often are compelled to find their own insurance solutions in local markets with which they may not be familiar

• One insurer cannot address all needs – there is often a lack of coordination among products involving separate insurers, policies, enrollment procedures and invoices

• Large insurers have dominated the market based on marginal service and paper-based processes

• Risk management best practices for International Mobile Employees should take into account more than just health care

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20237

Features & Benefit Overview• Programs offer by Tribunalized Lloyd’s of London coverholder

• Compliance with health and privacy legislation as reviewed by independent legal experts

• Formal alliances with ‘best in class’ global health management companies

• Global customer service configuration supported online and via multilingual toll free call center

• Ease of administration for corporate sponsor

• Processes unencumbered by large bureaucracy allows us to address customer needs quickly and efficiently

• Strategic alliances with industry leaders and best-in-class providers

• Quality of health care resources, range and depth of our medical provider network and effectiveness of our cost containment tools

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20238

Services & Programs• Employee Benefits• Global Health Management• Insurances, Bonds, Liability & Risk Management• Property & Liability Insurance• Vacant Homeowners Coverage• Moving Insurance• Kidnap, Extortion & Detention• Investment Management• Welcome Home Program

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 20239

Employee BenefitsIn the USA or Around the Globe

• We offer a comprehensive suite of employee benefit programs designed to meet the needs of staff located in the US as well as around the world.

• Medical programs offered include health, dental, life insurance, Short/long-term disability and additional programs that may be of value to you.

• Group discounted voluntary programs.• Coverage for contractors - medical, life & other coverages• Retirement programs available include 401 (k)’s, 403 (b)’s, defined

benefit as we as voluntary retirement savings programs.• Unique programs such as the Income Solutions®, Welcome Home

and Pet Plan Programs.

Services & Programs

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202310

Global Health Management•Multilingual customer service representatives available around the clock•Regional Claims Offices in Paris, Singapore and Curitiba/Brazil•Adjudication of complete claims within 10 working days – members are not required to translate claims or convert currencies for processing•Reimbursement of claims in over 110 currencies by check or bank-to-bank transfer with Explanation of Benefits accessible online•Direct billing with hospitals and clinics worldwide – alleviates financial burden often placed on the patient in having to deposit funds prior to treatment•Medical counseling, in-patient medical monitoring and case management for chronic illnesses and injuries – Coordination with Assistance company in evacuation / transition of care scenarios•Referrals to accredited physicians and hospitals worldwide – over 3,200 providers located in 155 countries and registered in GMC’s MedNet with details accessible online•Access to credentialed provider network in the U.S. including more than 5,000 hospitals and 500,000 physicians

Services & Programs

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202311

Insurances, Bonds, Liability & Risk Management• Personal risk management and insurance planning.• Individual insurance such as home, auto, life, LTD & LTC. • Short term & travel medical for contract employees & students.• Pet health insurance.• Vacant home insurance – US & Global.• Moving, belongings & liability insurance.• Property & casualty, D & O, E & O.• Political risk, kidnap, extortion & detention programs.• Risk management and loss control services.• Financial institutions P & C, fidelity and surety bond programs.

Services & Programs

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202312

Property and Liability Insurance•Covers

– personal property– valuable articles– political risk– personal liability

Services & Programs

Vacant Homeowner’s Insurance•In most cases, domestic homeowner insurance companies do not provide coverage if your home remains unoccupied.

•Insurance coverage for vacant principal dwellings located anywhere in the United States or Canada.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202313

Moving Insurance•Comprehensive worldwide coverage for employees' and their families' belongings at every stage of the move, from packing to unpacking.•Covers

– Breakage– Disappearance– Loss– Theft– Water Damage

Services & Programs

Kidnap, Extortion, & Detention Insurance

•A cost effective way to protect your expatriated employees from the threat of kidnap, extortion and detention.

•One of the broadest kidnap, extortion and detention insurance coverage in the market.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202314

Investment ManagementUS, Global & Multi-Currency

• Financial planning & investment advisory.• 401(k) & IRA rollover programs. (US only)• Retirement income planning. • Income Solutions® retirement income program. (US only).• Estate planning, charitable giving & wealth management.• Institutional investment management.• Retirement plan investment advisory services.

Services & Programs

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202315

WelcomeHomeProgram™

• An inbound United States of America real estate program that offers assistance with buying/selling real estate as well as relocation and rental services.

• Can be offered as a voluntary program or corporate sponsored.

• Resources, discounts & cash back rebates (available in most states).

Services & Programs

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202316

Online Insurance Programs

• Life Insurance• Travel Medical & Travel Accident Insurance• Student Medical Insurance• Vacant Home Insurance Coverage (Available anywhere in the world)• Moving Insurance (costs significantly less than what movers charge)• Belongs & Liability Insurance (Available anywhere in the world).• Critical Care Coverage (for non-US citizens outside the US)• Global Liability Insurance• Pet Insurance• Income Solutions® (Low cost immediate income annuity program)• Home & Auto Insurance (Coming soon)

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202317

For more information, please visit our websites:

http:/www.unfcuadvisors.com

http:/www.ezretirementsolutions.com

http:/www.welcomehomeprogram.com

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202318

Disclosures:UNFCU Financial Advisors (“UNFCU”) is an SEC registered investment adviser with its principal place of business in the State of New York. UNFCU is in compliance with the current registration requirements imposed upon registered investment advisers by those states in which UNFCU maintains clients. UNFCU may only transact business in those states in which it is registered or qualifies for an exemption or exclusion from registration requirements. This presentation is limited to the dissemination of general investment-related information. This presentation is not intended as personalized investment advice and no person should rely strictly on the information provided as a basis for any investment decisions. Any subsequent direct communication by UNFCU with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of UNFCU, please contact UNFCU or refer to the Investment Adviser Public Disclosure web site (www.adviserinfo.sec.gov). For additional information about UNFCU, including fees and services, send for our disclosure statement as set forth on Form ADV from us using the contact information herein. Please read the disclosure statement carefully before you invest or send money. UNFCU Financial Services LLC is a licensed insurance producer under the New York State Insurance Department. Investment advisory services are provided by UNFCU Financial Services LLC under d.b.a. UNFCU Financial Advisors. Nancy Wilks, Boris Fernandez, and Hector Dishnica provide insurance services only through UNFCU Financial Services LLC and are neither affiliated nor provide any investment advisory services through UNFCU Financial Advisors.

UNFCU Financial Services LLC is a licensed insurance producer under the New York State Insurance Department. Investment

advisory services are provided by UNFCU Financial Services LLC under d.b.a. UNFCU Financial Advisors. Nancy Wilks, Boris

Fernandez, and Hector Dishnica provide insurance services only through UNFCU Financial Services LLC and are neither

affiliated nor provide any investment advisory services through UNFCU Financial Advisors.

Proprietary Notice: This presentation includes data that shall not be disclosed outside the Credit Union and shall not be duplicated, used, or disclosed - in whole or in part - for any purposes other than to review this presentation. This restriction does not limit the Credit Union’s right to

use information contained in this presentation if it is obtained from another source without restriction. Each sheet in this presentation is subject to the above restriction.

April 8, 202319

Stephen Ryerson, President

T + 1-212-324-3901

F + 1-212-324-3991

sryerson@UNFCU.com

UNFCU Financial Advisors, LLC

24-01 44th Road

Long Island City, NY 11101

www.unfcuadvisors.com

Contact Information