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Get started now for a chance to win $2,000! 1 Visit MyForesters.com and sign up for member events and volunteer activities in your community. Fall 2012 MyForesters.com Membership Matters Inside this issue: 1 Volunteering as a family 2 Foresters family commits to the community 2 Foresters by the numbers 3 Know your benefits: Legal Link 3 Make play a priority 4 You’re safe with us 4 What’s exciting? Volunteering as a family Temecula’s Tichy family show how it’s done The first time Foresters Member Develop- ment Specialist Talya Sloan met the Tichy family, she was setting up an overnight volunteer event doing a large-scale clean- up at Camp Ronald McDonald for Good Times ® . It’s a hard, labor-intensive job performing tasks such as repairing cracked pool tiles. Yet the Tichys never once com- plained about the work—in fact, Talya remembers that almost the first words out of their mouths were “What can we do?” “They really understood the mission and what Foresters was trying to do,” says Talya. “It’s always nice to come across volun- teers like that because it doesn’t happen every day.” And while they worked, their new baby stayed right with them. “It’s awesome that most Foresters volunteer opportunities are family-friendly,” says mom Keri. “My chil- dren are growing up with the understand- ing that they are part of a community.” (continues inside) 4 | MyForesters.com Camp Ronald McDonald for Good Times ® is a 501 (3) not-for-profit organization. 1 No purchase necessary. Every eligible member who has reached the age of majority in his/her province/state and who registers for MyForesters.com between August 1, 2012 and 11:59:59 p.m. EST on September 16, 2012, will be automatically entered in a draw for a chance to win $2,000 to be awarded in the denomination of the country of residence. One entry per member. Available only to first time portal registrants. Other eligibility restrictions apply. One (1) prize of $2,000 to be won. Not available to residents of Quebec. Skill-testing question required where applicable. See http://www.MyForesters.com/septpromotion for Official Promotion Rules. 2 Foresters Competitive Scholarship Program is administered by International Scholarship and Tuition Services, Inc. in North America. 3 Description of member benefits that you may receive assumes that you are a Foresters member. Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions, and limitations and may be changed or cancelled without notice. 4 To enter, you must e-mail the best piece of advice you’ve ever received along with the story behind it to [email protected] by 11:59:59 p.m. EST on September 30, 2012. Winner will be chosen by a random draw; however, we reserve the right to disqualify any entries that do not meet the submission criteria. Foresters reserves the right to print, re-print, publish and re-publish any contest entries received. Winner will receive $100 in the denomination of country of residence; winning entry will be posted to Foresters Facebook page. One entry per member. Promotion only available to eligible members who have reached the age of majority in his/her province/state. One (1) prize of $100 and publication on the Foresters Facebook page to be won. Not available to residents of Quebec. Skill-testing question required where eligible. See MyForesters.com/advice for official contest rules. Foresters™ is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society; 789 Don Mills Road, Toronto, Canada, M3C 1T9. Its subsidiaries are licensed to use this mark. 408641 CAN/US (07/12) What’s exciting? August MyForesters.com content That’s good advice! We want to hear the best piece of advice you’ve ever been given and the story behind it. Tell us for a chance to win $100! 4 Homemade natural cleaners Get cleaning with these natural, non-toxic cleaning-solution recipes that are easy on the environment and your pocketbook. Celebrate National Family Fun Month August is the perfect month to focus on family fun. Foresters offers suggestions for ways to make the most of happy, healthy family time. Are you overparenting your children? Learn how to give your kids the wings they’ll need to fly high once they leave the nest. Improve your golf game without injury These exercises can make all the difference between a good game and a great one. Stay safe online Learn how to protect yourself from online fraud. For more tips, advice and ideas for your family’s well-being, visit our members-only portal at MyForesters.com. Registering for MyForesters.com is easy. Plus, you could win $2,000 1 just for signing up! Here is all you’ll need: You’re safe with us Security features of MyForesters.com MyForesters.com has your safety in mind. Your registration information is stored on your hard drive using a cryptographic hash function. That means that your data is converted to a random string of text that cannot be read except to validate your identity on the portal. We also use Secure Socket Link (SSL) for a secure connection, which acts as extra security to help prevent hackers from compromising your safety. The URL on a secure site should begin with https:// rather than http:// You don’t have to type anything different into the address bar—any website that uses SSL tech- nology, including MyForesters.com, will automatically switch to SSL if available. A secure connection is just one of the ways we protect your information. Learn more by reading our Privacy Policy on MyForesters.com. You could win $2,000 by registering at MyForesters.com! See back cover for details. 1 Web browsing tip: You can almost always click on a company’s logo to be returned to their home page! First Name: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Last Name: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Certificate #: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX INDICIA FPO Name Address line 2 Address line 2 City, Provide Postal Code Country Return address line

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Print articles for Foresters online members-only magazine, Membership Matters. Designed to support Foresters purpose in enhancing family well-being and community service.

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Whats exciting?August MyForesters.com contentThats good advice! We want to hear the best piece of advice youve ever been given and the story behind it. Tell us for a chance to win $100!4 Homemade natural cleaners Get cleaning with these natural, non-toxic cleaning-solution recipes that are easy on the environment and your pocketbook. Celebrate National Family Fun Month August is the perfect month to focus on family fun. Foresters offers suggestions for ways to make the most of happy, healthy family time. Are you overparenting your children? Learn how to give your kids the wings theyll need to fly high once they leave the nest. Improve your golf game without injury These exercises can make all the difference between a good game and a great one. Stay safe online Learn how to protect yourself from online fraud.

Youre safe with usSecurity features of MyForesters.comMyForesters.com has your safety in mind. Your registration information is stored on your hard drive using a cryptographic hash function. That means that your data is converted to a random string of text that cannot be read except to validate your identity on the portal. We also use Secure Socket Link (SSL) for a secure connection, which acts as extra security to help prevent hackers from compromising your safety. The URL on a secure site should begin with https:// rather than http:// You dont have to type anything different into the address barany website that uses SSL technology, including MyForesters.com, will automatically switch to SSL if available. A secure connection is just one of the ways we protect your information. Learn more by reading our Privacy Policy on MyForesters.com.

Membership MattersFall 2012

MyForesters.com

Inside this issue:1 2 2 Volunteering as a family Foresters family commits to the community Foresters by the numbers Know your benefits: Legal Link Make play a priority Youre safe with us Whats exciting?

Volunteering as a familyTemeculas Tichy family show how its doneThe first time Foresters Member Development Specialist Talya Sloan met the Tichy family, she was setting up an overnight volunteer event doing a large-scale cleanup at Camp Ronald McDonald for Good Times. Its a hard, labor-intensive job performing tasks such as repairing cracked pool tiles. Yet the Tichys never once complained about the workin fact, Talya remembers that almost the first words out of their mouths were What can we do? They really understood the mission and what Foresters was trying to do, says Talya.

Web browsing tip:You can almost always click on a companys logo to be returned to their home page!

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Its always nice to come across volunteers like that because it doesnt happen every day. And while they worked, their new baby stayed right with them. Its awesome that most Foresters volunteer opportunities are family-friendly, says mom Keri. My children are growing up with the understanding that they are part of a community. (continues inside)

Registering for MyForesters.com is easy. Plus, you could win $2,000 1 just for signing up! Here is all youll need:First Name: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Last Name: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX Certificate #: XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX

You could win $2,000 by registering at MyForesters.com!See back cover for details.1

Get started now for a chance to win $2,000! 1Visit MyForesters.com and sign up for member events and volunteer activities in your community.

For more tips, advice and ideas for your familys well-being, visit our members-only portal at MyForesters.com.Return address lineCamp Ronald McDonald for Good Times is a 501 (3) not-for-profit organization.1

INDICIA FPONo purchase necessary. Every eligible member who has reached the age of majority in his/her province/state and who registers for MyForesters.com between August 1, 2012 and 11:59:59 p.m. EST on September 16, 2012, will be automatically entered in a draw for a chance to win $2,000 to be awarded in the denomination of the country of residence. One entry per member. Available only to first time portal registrants. Other eligibility restrictions apply. One (1) prize of $2,000 to be won. Not available to residents of Quebec. Skill-testing question required where applicable. See http://www.MyForesters.com/septpromotion for Official Promotion Rules. Foresters Competitive Scholarship Program is administered by International Scholarship and Tuition Services, Inc. in North America. Description of member benefits that you may receive assumes that you are a Foresters member. Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions, and limitations and may be changed or cancelled without notice. To enter, you must e-mail the best piece of advice youve ever received along with the story behind it to [email protected] by 11:59:59 p.m. EST on September 30, 2012. Winner will be chosen by a random draw; however, we reserve the right to disqualify any entries that do not meet the submission criteria. Foresters reserves the right to print, re-print, publish and re-publish any contest entries received. Winner will receive $100 in the denomination of country of residence; winning entry will be posted to Foresters Facebook page. One entry per member. Promotion only available to eligible members who have reached the age of majority in his/her province/state. One (1) prize of $100 and publication on the Foresters Facebook page to be won. Not available to residents of Quebec. Skill-testing question required where eligible. See MyForesters.com/advice for official contest rules. Foresters is the trade name and a trademark of The Independent Order of Foresters, a fraternal benefit society; 789 Don Mills Road, Toronto, Canada, M3C 1T9. Its subsidiaries are licensed to use this mark. 408641 CAN/US (07/12)

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Name Address line 2 Address line 2 City, Provide Postal Code Country

4 | MyForesters.com

Foresters by the numbersAs of July 2012 unless otherwise stated.

Foresters family commits to the communityContinued from front pageIn fact, volunteering is an important parenting choice for Keri and her husband Jon. My children are growing up with the understanding that they are part of a community, and that they have an impact on that communitys well-being; I think volunteering gives kids a great sense of belonging, personal responsibility, and self-esteem. What parent wouldnt want that for their children? We have always been a volunteering family, adds Jon. We had recently moved to the [Temecula] area, so we hadnt been plugged in to any community activities or volunteer opportunities. Finding Foresters was perfect timing for us. We became active with Foresters within months of purchasing our policies. Their great outlook on life and dedication to community service has paid off for them personally, too. Their daughter Nicole was recently the recipient of a Foresters Competitive Scholarship. Its amazing, the many ways Foresters has enriched my life. Not only have we had great service opportunities and family fun activities throughout the years, but I was awarded this incredible gift to help with my education. Im so grateful for Foresters and their commitment to their members. Nicole plans to study Criminal Justice at California Lutheran University, and her ultimate goal is to retire from the FBI, laughs Keri. Shell continue her volunteer work while living away from home, working with the Thousand Oaks Police Department twice per month, and at a school event called You Got Served where freshmen clean up garbage from the bottom of the Ventura River. Nicole has been recognized for her stellar academic record and commitment to the community outside of Foresters, too. Our local Hyundai dealership sponsored [a giveaway for a Hyundai Veloster], and asked graduating seniors in the community to put together a video telling about our achievements and goals, and explaining why we deserve to win a car. My video was selected as the winner! Now Im learning to drive a manual transmission. Hopefully Ill master it by the time I leave for college. With the whole family so active in the Foresters community, its not surprising that Keri has recently been elected as a Branch Councillor. I was involved as an active member in the Temecula Branch for two years, and was thrilled to be appointed as a Branch Councillor for 2012 and 2013. Im also happy to have the additional role of Chairman of the Emergency Assistance Committee for the Greater Southern California Council. The Tichys look forward to continuing to provide their community with excellent service. I love that Foresters has so many available opportunities for people to get involved, on whatever scale they choose.

Make play a priorityHaving fun with the familyAt Foresters, our purpose has always been to enhance the well-being of families. Thats why weve created a series of inspiring videos, and sponsored two online workshops focusing on the value of play.

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The number of Foresters shareholders. Our members are our shareholders.

996,865

The number of Foresters members worldwide.

$2,535,000

The amount awarded to 350 new Scholarship winners and 910 renewed scholarship recipients2 in 2012.

2,172

Know your Benefits: Legal LinkEstate planning primerPlanning your estate may be one of the kindest things you can do for the loved ones youll leave behind. Foresters spoke with Peter M. Neil, Esq., a lawyer specializing in estate planning, to get his advice on making the process as smooth as possible. Here are six steps you should take when you plan your estate:

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Take an inventory of your possessions and think about who you want to leave them to when youre gone. Consider who you want to be your executorthe person who will ensure that the terms of your Will are carried out. Consider who you want to have Power of Attorneythe person who will take care of your personal financial needs in the event that you are unable to do it for yourself. Consider what kind of care you would want if you were terminally ill or injured and unable to give specific direction to your doctor, and decide who you trust to make sure that level of care is given. If you are someone who is in need of a guardian to take care of you or a conservator to manage your assets, consider who you would like these people to be. Visit a lawyer and get everything signed, sealed and delivered.

The number of members who have taken advantage of Legal Link and Everyday Money this year, two of our complimentary member benefits.3

$35,546,556

The amount raised this year from Childrens Miracle Network Hospitals Radiothon Program presented by Foresters.

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With tips from parents and advice from childhood development experts on helping to restore quality playtime to busy, pluggedin kids, the videos and workshops provide invaluable support to parents and grandparents. For instance, you could make time for play every day, and provide open-ended materials like blocks or paint that allow kids to imagine how they should be used. Free play empowers kids to cope with life, and builds the foundation for understanding everything from math, science, and language concepts to social interaction.

10,778

The number of Likes on the Foresters Facebook page. Visit our page to Like us and share stories about Foresters good works in your community.

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19,193

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The number of members who have registered for MyForesters.com. Have you joined them?

Dont miss out on your chance to win $2,000! 1 Register for MyForesters.com today.Nicole drives off to support her new community.2 | MyForesters.com

If you have any questions about estate planning, remember that as a Foresters member you can call Legal Link at 800 444 3043 to access certain complimentary and discounted legal services in your area, and to connect with lawyers for help with a variety of issues, including Wills.

Visit MyForesters.com to view the videos and archived workshop, Playing with your Family, for more tips.

Visit MyForesters.com for more information about your unique member benefit package.Fall 2012 | 3