April 8, 2023

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

Company Overview

By Stephen J. Ryerson, PresidentUNFCU Financial Advisors

Presented To Credit Unions and Their Members

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

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

April 8, 20232

ContentsCompany Background 3Philosophy 4Locations 5Products & Services 6Innovative Programs 8Online Insurance Programs 9Features & Benefits Summary 10Marketing Solutions 11Disclosures 12Contact Info 13

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 your credit union and members.

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

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

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

Current 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

Products & Services - For Members• Financial Planning & Consulting• Investment Advisory & Management Services• Estate Planning and Charitable Giving Programs• 401(k) & IRA Rollovers• Retirement Income Planning – our innovative Retirement Solutions program• Insurance Solutions

– Life & Health – Long-Term Care– Long-Term Disability– Home, Auto & Umbrella– Pet Health – 5% online discount for credit union partners– Moving – significantly discounted vs. what movers charge– Kidnap and Ransom

• WelcomeHomeProgram™– Real Estate Buying & Selling Assistance – cash back rebates

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

Products & Services - For Credit Unions• Investment Advisory & Management Services• Employee Benefits

– Medical Programs – compulsory and voluntary– Retirement Plans

• Fidelity and Surety Bonds• Risk Management & Loss Control Services• Property and Casualty Insurance

– D&O, E&O• Financial Institutions P&C Programs• Vacant Home Insurance

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

Innovative Programs

•Help current and future retirees maximize their assets.•An easy and simple way to shop for institutional priced annuities•Generate Fee Income for your Credit Union•Position Your Credit Union as the At and Post Retirement Resource

•Offers Cash Back Rebates in Most States•Provides National Relocation Assistance•Offers Discounts on Moving Related Products and Services•Generate Fee Income for your Credit Union

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

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)• Belongings & 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, 202310

Features & Benefits Summary

• Offers your members innovative products and services they cannot get anywhere else …

• Enhance membership value and increase loyalty by offering members and employees access to these new products and services …

• Many of our programs and services offer professional online convenience…• Online availability provides more program access points for members• Most programs easily integrate and complement your existing service

offerings... • In addition to access and flexibility, partners can take advantage of co-branding

opportunities and for a small fee we can create a micro-site offering members access to programs through your brand

• Additional revenue source for your credit union

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

Turn-key Marketing Solutions

• Content Integration

• Co-branded Marketing Materials: print literature, email templates, web banner ads

• Graphic Design Services

• Web Development and Support

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

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.

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

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

For more information, please visit our websites:

http:/www.unfcuadvisors.com

http:/www.ezretirementsolutions.com

http:/www.welcomehomeprogram.com