Issue link: http://read.dmtmag.com/i/104855
—— —N EW R ATES aNNUitiES —— fixED-ratE1 singLE anD fLExibLE prEMiuM annuitiEs prODucts / fEaturEs May nOt bE avaiLabLE in aLL statEs. inteRest RAtes effeCtive 1/1/132: DEFErrED QUaliFiED aND NoN-QUaliFiED aNNUitiES 7-yr 1st-yr interest rate $25,000+ premium 1st-yr interest rate $300$24,999 premium 10-yr 1st-yr interest rate $25,000+ premium 1st-yr interest rate $300$24,999 premium single premium 7-yr surrender 4 flexible premium 7-yr surrender 4 3.00%3 3.00%3 interest rate interest rate 2.00%3 2.00%3 interest rate interest rate single premium 10-yr surrender 5 flexible premium 10-yr surrender 5 3.50%3 3.50%3 interest rate interest rate 2.00%3 2.00%3 interest rate interest rate 2.00% interest rate: currentrateoninforcecertifi catesafter thefi rstyear.1.50% interest rate: minimum guaranteed rate. iMMEDiatE aNNUitY 1.50% interest rate:onnewcertifi cates. 1-THE RATE IN EFFECT ON THE CERTIFICATE ISSUE DATE ANNIVERSARY IS THE RATE EARNED FOR THE NEXT 12 MONTHS. 2-THESE RATES ARE SUBJECT TO CHANGE AT ANY TIME. 3-INTEREST RATE GUARANTEED FOR THE FIRST YEAR. 4-ISSUE AGE 0-80 ON 7-YR ANNUITY. 5-ISSUE AGE 0-59 ON 10-YR ANNUITY. FoR HoME oFFICE sAlEs: 800.344.6273 x210 How To Read the Income Statement — Asyoulookattheresultsofthefi nancialstatementof the National Catholic Society of Foresters (below), it indicates that after completing three quarters of 2012, the Society is showing a loss. As National Treasurer, I wanted to take this time to reassure you that the Society is still very strong and that the loss is a result from the Society making an investment in its future. When I talk about the investment in the future, I am referring to increasing the number of agents that we have selling NCSF products. We increased from 60 producers to 350 producers at the end of the 3rd Quarter. In addition to that, we also increased our members in the Society. The Society incurs costs associated with acquiring those new members. If we would not have made these investments in agents and membership, our net gain from operations would have been about the same as last year. These investments, I believe, will help to ensure a strong and viable future for NCSF. The Society did make purchases of bonds that are going to yield in aggregate 4.46% compared to paying out around 3% on annuities. If there are any additional questions, please feel free tocontactyourNationalTreasureraboutthefi nancial strength of the Society. NATIONAL TREASURER JON MOCOL 800-344-6273 EXT. 239 ncsf incOME statEMEnt fOr tHE ninE MOntHs EnDED sEptEMbEr 30, 2012 Premium & Annuity Considerations $24,888,057 Net Investment & Miscellaneous Income __________ 5,628,634 totAL inCoMe 30,516,690 __________ Claims/Benefits Paid 4,596,948 Expenses 3,407,624 Change in Benefit Reserves 22,472,094 __________ totAL eXPense 30,476,666 __________ net gAin fRoM oPeRAtions 40,025 Ca, iL, iN, Mi, Mt, oh, or, Wa, Wi Less Refunds to Members Incurred Plus Net Realized Capital Gain/(Loss) Co, ia, kS, MN, Mo, Ne, ND, SD net inCoMe/(Loss) 800.344.6273 x234 Winter 2013 — www.ncsf.com 249,222 27,571 __________ ($181,626) __________ 23