Morale and Welfare Presentation to (date) Commodore Mark B. Watson DGMWS 1

Agenda Introduction Organization and background Vision Programs, services, and initiatives

Defence Team – Morale & Welfare Approximately 4,000 “Staff of the Non-Public Funds, Canadian Forces” Number increases due to casual employment, esp. in summer 1,781 full time, 777 part time, 1,004 casual, 436 temporary staff 42% CAF affiliation (Retired and/or Family) 206 Canadian Armed Forces members 153 National Defence public servants 1,000 at Military Family Resource Centres (locally employed) Plus many, many volunteers

Defence Team – Morale & Welfare CFMWS 4,000 to 5,000 Employees Canadian Coast Guard Canadian Security Intelligence Service (CSIS) Citi Bank Nav Canada 4,500 3,311 5,000

Organizational View

NPP Governance Full governance assigned to CDS Authorities delegated to DGMWS as Managing Director of NPP NPP Board serves as an advisory board: Provides stakeholder input to CDS Strategic plans, policies and direction NPP investments Approval of audited financial statements NPP Board and AFC engagement is key NPP is a “Chain of Command” responsibility

Operational Funding $4.09M (FY 14/15)

NPP / Public Financial Components

One Community, One Million Strong My Vision Make CFMWS one of the strongest military Morale and Welfare organizations in the Western world by providing programs that provide widest possible benefits to the greatest number of serving and former service personnel and their families: One Community, One Million Strong

One Community, One Million Strong Serving Members (Reg. & Res.) 130K Families of Serving Members 144K Former Members 595K Dependants of Former Members 350K Other Eligible Members 150K 1 MILLION >

Morale and Welfare Services Directory Answers one simple question: What services are available to YOU? View the full catalogue of CFMWS services that may benefit you and follow the links to learn more. Choose the description that best matches you from the list of categories. Visit: www.cfmws.com/YourServices

PSP by the numbers Fitness Recreation and Speciality Interest 94,527 FORCE evaluations (as of 31 March 2014) 8 Regional Adapted Fitness Specialists supporting over 500 JPSU clients Human Performance 1,534 CAF Personnel took part in the development and validation of FORCE Nearly 5,000 surveys administered to better understand what could help CAF Personnel get more active Health Promotion 3,900 courses offered 23,600 participants Sports Over 20,000 Intersection sport competitors 91 Regional competitions – 3,500+ competitors 18 National competitions – 1,800 competitors Recreation and Speciality Interest 6,000+ Recreation activities 100,000+ Recreation participants 325 DND facilities involved Messes 175 Reg Forces Messes 280 Res Forces Messes Newspapers 250,000 readers 85,000 copies distributed Golf 14 locations across Canada Community Gateway Website 139,000+ monthly visits 328,000+ page views

PSP – FORCE Visit: www.cfmws.com/forceprogram

Proposed Reactive Interface and Mobile Site PSP – DFIT.CA Proposed Reactive Interface and Mobile Site (Coming in Fall 2015) Focus on fitness required for operations Exercise Prescription for FORCE Evaluation

PSP Specialty Interest Activities Access to: Golf: 14 locations across Canada and 7 social clubs using civilian courses Marinas and Sailing: 8 locations Campgrounds & Cabins: 5 locations Rod and Gun Clubs: 7 locations across Canada Horseback Riding: 4 locations across Canada Curling: 7 locations across Canada Skeet Shooting: 5 locations across Canada www.cfmws.com/en/AboutUs/PSP/specialtyinterest

Commercial Services SISIP Financial A Holistic approach to Financial Services Term life insurance plans – No exclusions for war, dangerous occupations, hobbies, volunteer activities or sports: 139,971 lives insured under SISIP plans ($29.307B in coverage, $43.3M paid to beneficiaries); Long Term Disability (LTD) – Includes the Vocational Rehabilitation Program (VRP): 92,465 members protected under LTD ($176.75M paid out when combined with the VRP) Accidental Dismemberment Insurance Plan – Covers injuries or illness attributable to military service; SISIP Travel Insurance – 10% savings to all eligible members for emergency medical coverage, trip cancellation, baggage protection, 24/7 assistance and much more; Financial Planning – Personalized recommendations, investment advice to assist clients in achieving their financial goals. As of 30 April 2015: 7,926 FundEX clients, Money Under Management (MUM) – $378.5M 3,045 Group Retirement Savings Plan clients, MUM – $136.8M 251 Canadian Armed Forces Savings Plan members, contributing $292K per year, since NOV 2014; Financial Counselling – Free, confidential support providing solutions for various financial issues, access to loans, grants and other Support Our Troops programs; and Personal Financial Management Education – Courses for recruits and officer cadets.

Commercial Services SISIP Financial Comparative costs: SISIP Financial Industry Standard Financial Planning (No commission) No fee option since 1 JAN 2015 $6 - $12/month (depending on rank), includes e-filing one basic income tax return Approximately $100/hour 1 or 1% - 3% of assets under management2 $59 for one basic income tax return3 Financial Counselling (Confidential) Free Approximately $1204 / session or enrollment Fee of 15% of total debt + monthly charge of $50 + cancellation fee5 Term Life Insurance ($100,000 in coverage / 25 year old male / non-smoker) $6/month Varies $11 - $13 /month6 1 CBC News (April 2012) / MoneySense Magazine (October 2012) 2 moneysense.ca – Where to find a fee-only Financial Planner 3 H&R Block 4 Credit Canada 5 debtfreesolutions.ca – Consumer Credit Counselling sample contract 6 Compulife Software Inc.

Commercial Services SISIP Financial Life insurance plan advantages: SISIP Financial Industry Standard No exclusion for war risk May be excluded or declined No exclusions for dangerous occupations, hobbies, volunteer activities and/or sports Some or all may be excluded or increase in premium Less stringent medical underwriting Lengthy medical required No medical required to convert insurance after release (If done within 60 days of release) Not available Includes Accidental Dismemberment clause Cost to purchase Free coverage for Dependent Life of $10,000

Commercial Services CANEX CANEX.ca launched (2014) Operates 39 Outlets on Bases/Wings across Canada 10 Retail 8 SuperMarts (2 with petroleum) 18 ExpressMarts (5 with petroleum) 2 Grocery 1 LiquorMart Sales of $130M in FY 13/14 Over 3.95M customer transactions annually 180 Concessions offering additional goods/services

Commercial Services CANEX CANEX.ca – Delivering a consistent and familiar shopping experience Featuring Pride of Association Kit Shop merchandise, Military affinity products & programs and brand name merchandise with extended aisle (certain categories) Free shipping (with exceptions) and flexible options Soon to be available the “CANEX No Interest Credit Plan” Mobile friendly TACTIX Boutiques with Kit Shops and Pride of Association merchandise Elite line of clothing and accoutrements No Interest Credit Plan: 12, 24 or 36 month plans (No money down, not even the taxes), 12 month payment plan: no hidden handling or administration fees (24 months: 2% ; 36 months: 3%) National vendor partnerships: Tim Hortons, ARAMARK (Food Services), OK Tire, Pizza Pizza, Subway

Commercial Services CANEX Tim Hortons Kiosks: A partnership for 20 years – with 19 new locations to roll out over the coming years The Personal Home & Auto Insurance: Coverage that fits your way of life. Home: All policies include $5K coverage for military kit; $3K coverage for personal belongings while deployed outside Canada. Military Renters coverage for DND controlled quarters Auto: Accident-Free Protection, Loyalty Savings (up to 7%), Winter Tire Discount (5% off premium), Students Rates, RV’s and more Portability: If you should move, are transferred or retire within Canada Home Heating Oil Rebate Program: Discounts on regular delivered price of home heating oil – Participants save up to 8 cents per litre

Joint Personnel Support Unit (JPSU) Mission Through an integrated and individual-centric service delivery model, to ensure the coordination and facilitation of standardized, high quality, consistent personal and administrative support during all phases of recovery, rehabilitation, and reintegration on return to service or transition following release, for all injured and ill Canadian Armed Forces personnel and former personnel, their families and the families of the deceased. Ottawa

Joint Personnel Support Unit (JPSU) 24 Integrated Personnel Support Centres across Canada: Personnel support through multi-disciplinary staff and linkages to VAC, SISIP Financial, PSP, MFRC and Base/Wing agencies Responsive to Commanding Officers Return to Duty Program: Total accumulated Return to Duty is 1474 personnel. To date, 334 personnel have been returned to full time duty, and 828 personnel have been assisted in their transition. National Return to Duty averages: approximately 22% (FY 2014-2015) Casualty Administration and Advocacy: Home adaptations/special needs equipment, vehicle adaptations, home assistance ; Assistance through Funds Peer Support: Operational Stress Injury Social Support (OSISS), Soldier On, Injured Soldier Network, Helping Others by Providing Empathy (HOPE) Outreach & Education: Average 100 briefings a month across the country, training of approx 1,100 Designated Assistants per year 23 23

Joint Personnel Support Unit (JPSU) Personnel currently being tracked by JPSU Posted to JPSU 1,678 Supported by JPSU (but not posted) 4,144 Total 5,822 24

Transition Services National Coordination of all Career Transition activities: Second Career Assistance Network seminars, Medical seminars, Long Term Planning seminars Career Transition Workshops Transition support and programs specific to ill & injured, Publications/tools that support transition counselling. Liaise with other organizations: VAC, ESDC, PS Commission, SISIP-LTD & VRP, Industry, Academia, Accreditation bodies and others. Canada Company – Military Employment Transition (MET) Program A one-stop self-directed web-portal for all things related to transition for serving and retired military members. Serving as a bridge between business and community leaders and the CAF/VAC. Includes Corporate Canada employers, Entrepreneurship, Education, Franchising opportunities and transition tools for members and employers. 137 Military Friendly employers, such as Amazon, BMO Financial Group, CN, Coca-Cola Canada, Royal Bank of Canada, Shell Canada, Sobeys Inc., Suncor Energy, Etc.

Transition Services Prince’s Charities-Operation Entrepreneur: Based In Business (BIB) with Memorial University, Enactus and Canadian Youth Business Foundation Prospect: Forces @ Work: Sustainable Job Placement Pilot Project H2H: Helmets to Hardhats Association of Canadian Community Colleges (ACCC) The Canadian Franchise Association: Military Veterans Program Forum for International Trade Training (FITT) In addition to previously mentioned programs and services, the following are specifically for ill and injured members of the Reg and Res force: Vocational Rehabilitation Program – Serving Members (VRPSM) Priority Hiring – Public Service Integrated Transition Plan

National Military Cemetery Serving and Former Regular Force and Primary Reserve Members One additional family member allowed in plot May apply for entry without further obligation Pre-arrangement services available

Military Family Services To contribute to the well-being of military families, enabling a mission-ready force that protects Canadians and Canadian interests across the country and around the world. Military Family Services manages: Military Family Services Program, including funding and oversight of Military Family Resource Centres Family Information Line and www.familyforce.ca Children’s Education Management – education compensation and benefit entitlements, access to Canadian Armed Forces overseas schools and guidance counseling services

Military Family Services Support for serving members (Regular and Reserve) and their families who face issues that arise due to conditions of service (i.e. mobility, separation, risk) Mental health support Child care Access to health care Spousal employment Community integration Transition support Education transitions Special needs of loved ones

Military Family Services Military Family Resource Centres – On Base, In Person 32 in Canada, with programs and services in the United States and Europe Third party, non-profit organizations located on Bases/Wings/Units or through outreach programs Provide services in both official languages Family Information Line (FIL) – Informed, Connected and Supported 1-800-866-4546 – Now 24/7 service, confidential, bilingual, information and supportive counselling 1,553 calls made to the FIL, 1,427 calls to the automated system that has deployment information (2014) www.FamilyForce.ca – For and about Canadian military families A portal to all MFRCs for local information, useful general information of interest to all Canadian military families 396,182 visits to the FamilyForce site (2014)

Military Family Members (2014) CANADA 52,413 families 115,320 family members 62,907 children -3.9% change, 2008-14 EUROPE 438 families 1,162 family members 29.5% children USA 662 families 1,228 family members 53.6% children Nb: Stats do not include several populations which fall within MFS population served, including children over 19 years, parents of CAF personnel and relatives.

Support Our Troops Programs Military Families Fund > 2,000 members annually receive individual/program support Soldier On Fund Physical fitness supported for > 1,000 ill/injured members Hospital Comforts Fund ~300 serving members annually receive support in hospital Operation Santa Claus Deployed members (~2,600) receive a holiday gift package Boomer’s Legacy “Helping our Soldiers Help Others” at home and abroad Natasha’s Wood Fund

Support Our Troops Program Examples: Army Run: Generated almost $1M in funds for the MFF and Soldier On during the past 4 years (2011-2014) Graham Group Charity Golf Tournament: Golf tournament generated almost $200K for the MFF (2011-2014) Royal Canadian Mint – Highway of Heroes Collector Coin: Operated two coin campaigns to highlight the CAF and the sacrifices of military members and their families, collectively generated $200K for the MFF.   Honourable PM Stephen Harper – History of Hockey book: Released Fall 2013, all proceeds to MFF. Winnipeg Jets True North Foundation: Will donate $75K to the MFF/Soldier On yearly for the next 10 years. Canadian Tire Corporation: Donated $150K in sports equipment to support Base/Wing Recreation Programs

Soldier On Fund Supports former and currently serving members with a mental or physical injury/illness to adopt an active lifestyle through sport and recreation Over $2.3M has been disbursed to provide access to equipment, training and events allowing participants to: learn a new sport such as skiing, horseback riding, fly fishing, and kayaking; train with and compete against soldiers with similar injuries and illnesses from other nations; and push their physical and mental limits through participation in regional and national sporting events.  $3.5M has been raised by donations from Canadians, corporations and other organizations

Soldier On Participation 1,040 Total members supported by Soldier On

Soldier On Program Events 2015 Soldier On National Ski Camp (Mt Washington, BC) – Feb 3rd Annual Allied Winter Sports Camp (Whistler, BC) – Feb Saddle Up Soldier On – RCMP (Ottawa, ON) – May Soldier On Multi-sport Camp (Esquimalt, BC) – May Soldier On National Golf Camp (GTA, ON) – May UK Help for Heroes Big Battle Field Bike Ride (FRA/UK) – Jun Soldier On National Fishing Camp (New Brunswick) – Jun St Andrews Legacy Golf (Scotland) – May/Jul/Aug Soldier On Range Camp (Meaford, ON) – Sep Canada Army Run (Ottawa, ON) – Sep Soldier On Trek (AB/BC) – Oct Soldier On Scuba (Halifax, NS) – Nov

SOT Summer Camps The SOT Summer Camps provide an opportunity for children of military families to escape from the stressors of military life, with priority given to children of deployed personnel. In summer 2014, more than 570 children of military members enjoyed a complimentary week at Camp Maple Leaf, Muskoka Woods, and other camps across the country. The Military Families Fund has underwritten the cost of camp registrations. 2015 camp registration is now open.

Vacations for Veterans Program Launched in January 2012 Program is available to CAF members (former and currently serving) who have sustained an injury or illness while serving in a Special Duty Area/Operation and who are in receipt of a VAC benefit as a result. Eligible members may apply for 1-week of accommodation at one of Shell Vacations Club’s 26 properties in Canada, the US and Mexico. Annually, more than 40 CAF members/families benefit from this program.

NPP Outreach SOT programs / funds attracting significant contributions from Canadians Individual donations of dollars and products / services Proceeds from third party events Contributions from events / campaigns held by charitable organizations e.g.: True Patriot Love, Canada Company and Wounded Warrior As number and complexity of events increases There are greater demands for DND/CAF support There is little adherence to policy provisions and There are diminishing efforts to align with CAF priorities Some external organizations competing with internal NPP “charities”

SOT Program / Third Party Outreach DGMWS is the CAF OPI: Registering organizational events Coordinating to avoid duplication and scheduling conflicts Assisting in staffing requests for public support, military equipment and/or personnel Approving the use of any official logos and/or images within their promotional materials Assisting with senior CAF representation at key events Concluding MOUs for complex relationships/partnerships Providing feedback on the success of donations

Canadian Defence Community Banking Program (CDCB) Key relationship with BMO, Bank of Montreal Personal Banking: Saves the current 10,000 members approximately $1 million in banking fees every year Customized Mortgage Plans and Student Line of Credit: Highly competitive rates ABM/ATM: Over 900 branches and 2681 ATMs across Canada so that you can easily receive uninterrupted service as you move SOT MasterCard: Contributed over $200,000 to morale and welfare programs and services since the inception of the Program Student Line of Credit: For post-secondary education Sponsorship: Army Run and many local programs Personal Banking: BMO provides financial savings to CDCB members by offering discounted rates for personal banking services. The program was established so that all savings would accrue to CF members/families. It has been estimated that our members collectively accrue at least one million dollars in annual savings through the CDCB program. As at 31 Mar 13, CDCB members held 10,000 BMO lead accounts. Mortgage Plans: In Feb 09, BMO began offering those CDCB members relocating under the IRP a waiver of the interest rate differential penalties above those reimbursed by the IRP (i.e. BMO capped the penalty at $5K). Since the CDCB/BMO IRP offer, at least 2,000 mortgage holders avoided interest rate penalties when their mortgages were transferred. ABM/ATM: CANEX and BMO are the only authorized NPP suppliers of ABM (full service machine) and ATM (cash machine). Since 1 Nov 08, CDCB has ‘the first right of refusal’ to install ABM/ATMs at Bases/Wings. BMO is responsible for these machines in terms of their installation, maintenance and ‘cash’ top-up. Since 2008, fifteen BMO ABM/ATMs have been installed directly on Bases/Wings. Support Our Troops MasterCard (SOT MC): In Nov 08, an Affinity Card Program agreement was struck with BMO to create a no-fee Support Our Troops Master Card which includes loyalty rewards for both Air Miles and Cash Back. The SOT MC provides its holders with a branded product that enables them to show their support for the troops. The SOT Master Card generates revenue for SOT based on the value of retail sales. Over the past three years, it has generated $105K for the Support Our Troops Fund Sponsorships: BMO has provided sponsorship for various national and local events, totalling more than $325K. For 2013, BMO is making a significant sponsorship contribution (>$40K) to the CFSU(O) Family Days; (>$50K) for Wealthy Barber Returns Event, and; (>$30K) to various local events.

Canadian Defence Community Banking Program (CDCB) The following is a comparison of similar banking programs available in Canada. Comparative costs: CDCB Performance Plan Industry Standard $5.45/month Varies from $11.95 to $14.95 / month depending of the institution 2 free months None Fee waived with $3000 minimum balance Fee waived with $3000-$4000 minimum balance depending of the institution Unlimited transactions Earn Air Miles Source: www.fcac-acfc.gc.ca/eng/resources/publications/banking/

CF Appreciation Program Official discount program of the CF Members can save at more than 26,000 locations locally, nationally and worldwide Travel and leisure / Everyday discounts Visit: www.cfappreciation.ca

CF Appreciation Program CF R&R Club: Linked to US Armed Forces Vacation Club Linked to Gov Rewards and International Cruise Excursions Access to 3,500 accommodations in 80 countries starting at $369 USD per week Access to cruise lines, airlines, and 3,000 US golf courses at guaranteed low prices.

CF Appreciation Program CF R&R Club – Examples: Visit: www.cfappreciation.ca Silver Lake Resort, Kissimmee, Florida 7 nights/$369 USD Barnsdale Country Club Rutland, England 7 nights/$369 USD Wyndham Ka'eo Kai Kauai, Hawaii 7 nights/$369 USD

CFOne Card Multi-phased approach Confirms that an individual is a member of our One Community – One Million Strong Provides access to MW programs, services and facilities Over 138,000 CFOne Cards issued Multi-phased approach Phase 1: (22 Oct 13) access to the CANEX Loyalty Program and CF Appreciation Program Future Phases: expanded to include access to select PSP programs and services; administration of mess fees, access to clubs and activities, as well as other MW services.

CFOne Card Benefits CANEX Rewards Program Easier to earn and redeem points  Points balance printed on receipt Redeem points directly in-store CF Appreciation Program Discounts and savings at thousands of industry partners at locations locally, nationally and internationally Access to R&R Club which includes: Armed Forces Vacation Club Gov Vacation Rewards Anderson Vacation

Questions?