1. Morale and Welfare Presentation to MPCC Ottawa – 31 October 2013 Commodore Mark B. Watson DGMWS

2. Introduction Organization and background Vision Programs, services, and initiatives 2 Agenda

3. Approximately 5,600 “Staff of the Non-Public Funds, Canadian Forces” – Number varies due to casual employment, esp. in summer – 2,125 full time, 1,066 part time, 2,395 casual – 40% CAF affiliation (Retired and/or Family) 253 Canadian Armed Forces members 153 National Defence public servants 375 at MFRCs (locally employed) Plus many, many volunteers 3 Defence Team – Morale & Welfare

4. CFMWS 5,600 to 6,000 Employees Canadian Coast Guard Canadian Security Intelligence Service (CSIS) Citi Bank Nav Canada 4,500 3,311 5,000 4 Defence Team – Morale & Welfare

5. Organizational View 5

6. 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 6 NPP Governance

7. $4.27M 7 (FY 12/13) Operational Funding

8. Scale of Operations NPP net worth / publicly funded expenditures FY 2012-13 Public Funds 8

9. 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 9 My Vision

10. One Community, One Million Strong Serving Members (Reg. & Res.)130K Spouses69K Family Members75K Former Members595K Dependents of Former Members350K Other authorized patrons150K 1 MILLION 10

11. PSP by the numbers Fitness 22,500 Force Evaluations (April 2013-Present) Human Performance 25 research reports 1.4 million + Project Force data points Health Promotion 3,900 Courses offered 23,600 participants Sports 20,000 Intersection sport competitors 91 Regional competitions – 3,500+ competitors 18 National competitions – 1,800 competitors 10 CAF CISM sports with 160 athletes 115 CAF athletic trainers Recreation and Speciality Interest 6000+ 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 15 locations across Canada Community Gateway Website 139,000+ monthly visits 11

12. PSP – Key Initiative Visit: www.cfmws.com/forceprogram 12

13. 13 Fitness training DFIT.CA Launched 11 Oct 2012 Focus on fitness required for operations Over 20 000 CAF personnel registered PSP – DFIT.CA

14. Access to: Golf: 15 locations across Canada and 6 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 14 PSP Specialty Interest Activities

15. 15 Commercial Services SISIP Financial Services Term life insurance plans including Long Term Disability (LTD) and Vocational Rehabilitation Program (VRP) – no exclusions for war, dangerous occupations, hobbies, volunteer activities or sports; – 140,560 lives insured under SISIP plans ($28.6B in coverage, $41.3M paid to beneficiaries) – 93,600 members protected under LTD ($106.6M paid out when combined with the VRP) Accidental Dismemberment Insurance Plan –covers injuries or illness attributable to military service; Financial Planning – personalized recommendations, investment advice to assist clients in achieving their financial goals (7,153 clients in 2012 with assets of $232M invested); Canadian Forces Group Retirement Savings Plan – a “do-it-yourself”, on-line investment and savings option (3,379 clients in 2012 with $117M invested); Financial Counselling – free, confidential support in the resolution of serious financial distress, with access to CFPAF loans and grants and other SOT programs; Personal Financial Management Education – courses for recruits and officer cadets.

16. Comparative costs: SISIP Financial ServicesIndustry Standard Financial Planning (No commission – fee for service based) $6 - $12/month (depending on rank) Unlimited hours of service Includes one free income tax return Approximately $100/hour 1 or 1% - 3% of assets under management 2 $59 for one basic income tax return 3 Financial Counselling (Confidential) Free Approximately $120 4 / session or enrollment Fee of 15% of total debt + monthly charge of $50 + cancellation fee 5 Insurance ($100,000 in coverage / 25 year old male / non-smoker) $6/month Varies $11 - $13 /month 6 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. 16 Commercial Services SISIP Financial Services

17. Life insurance plan advantages: SISIP Financial Services Industry Standard No exclusion for war riskMay 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 underwritingLengthy medical required No medical required to convert insurance after release (If done within 60 days of release) Not available Includes coverage for Accidental DismembermentCost to purchase Free coverage for Dependent Life of $10,000Cost to purchase 17 Commercial Services SISIP Financial Services

18. 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 policy for DND controlled quarters, Identity Theft Assistance, Burglar Alarm Discount also available − 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, be transferred or retire within Canada Home Heating Oil Rebate Program: If home heated by oil, save on regular delivered price of home heating oil – In Halifax, participants have saved up to 8 cents per litre for the last six years; average of $1,500 in savings (8 cents per litre.) 18 Commercial Services CANEX / NATEX

19. 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, Andrei Master Tailor, Subway Initiatives: Online Sales and Marketing − Developing an online e-retailing strategy to augment existing store operations Elite line of clothing and accoutrements 19 Commercial Services CANEX / NATEX

20. 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. 20 Joint Personnel Support Unit (JPSU)

21. 33 Integrated Personnel Support Centres across Canada: Personnel support through multi-disciplinary staff and linkages to VAC, SISIP, PSP, MFRC and Base/Wing agencies Responsive to Commanding Officers Return to Work Program: 1,974 participants in 2012 ; 26% returned to full-time duty, 47% moved to transition, 27% remained on RTW. 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 21 Joint Personnel Support Unit (JPSU)

22. Posted to JPSU1,800 Supported by JPSU (but not posted) 3,500 Total5,300 22 Personnel currently being tracked by JPSU Joint Personnel Support Unit (JPSU)

23. 23 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, HRSDC, PS Commission, SISIP-LTD & VRP, Industry, Academia, Accreditation bodies and others. Canada Company – Military Employment Transition (MET) Program A one-stop-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. Includes Corporate Canada employers, Entrepreneurship, Education and Franchising opportunities. 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.

24. 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 24 Transition Services

25. Enabling a mission-ready Force by addressing the issues faced by CAF members and their families that result from military service. Military Family Services manages: Military Family Services Program, including funding and oversight of Military Family Resource Centres Dependant Education Management, who manages the education compensation and benefits requirements of military members with dependant children. Quality of Life issues that arise and affect military families as a result of conditions of service of serving CAF personnel 25 Military Family Services

26. 26 Military Family Resource Centres – On Base, In Person 32 in Canada, 7 sites in the United States, 4 in Europe Third party, independent organization located on Bases/Wings or through outreach programs Provide services in both official languages in accordance with the need of the local community. Family Information Line (FIL) – Informed, Connected and Supported 1-800-866-4546 – Now 24/7 service, bilingual, information and supportive counselling 1620 calls made to the FIL, 4760 calls to the automated system that has deployment information (2012) 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 328,062 visits to the FamilyForce site, 196,832 total unique visitors (2012) Military Family Services

27. Support Our Troops Fund is an umbrella for the following: Military Families Fund − linked to conditions of service − $4M dispersed to >1,000 members/families − $5K per incident at local level Soldier On Fund − contributes to a healthy, active lifestyle − $1.1M dispersed to 630 members/families − Funded a wide range of programs Hospital Comforts Fund − basic amenities for hospitalized members − $85K dispersed annually to >300 members Op Santa Claus − gift for deployed members over holidays − Gifts delivered to 1,600 members $13M has been received since 2006 from: Personal contributions to SOT Fund Proceeds from third party events Contributions from external charities/foundations 27 Support Our Troops Program

28. Examples: Army Run: Generated almost $500K in funds for the MFF and Soldier On during the past 2 years. Graham Group Charity Golf Tournament: Golf tournament held in 2011 and 2012, generated almost $100K for the MFF 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: To be 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. Sears: 7 year relationship, annual donation of $10K to the Hospital Comforts Fund (under the SOT Fund umbrella). 28 Support Our Troops Program

29. Supports former and currently serving members with a visible or non-visible injury/illness to adopt an active lifestyle through sport and recreation Over $1.1M 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. $2.4M has been raised by donations from Canadians, corporations and other organizations 29 Soldier On Fund

30. 630 Total members supported by Soldier On As of 1 Apr 13 30 Soldier On Participation

31. Region Officer NCM Retired Total NS/NFLD971585 NB/PEI328940 QC810314125 S ON220527 E ON712620153 Prairies329840 AB/NC7907104 Pacific542956 Total4450977630 As of 1 Apr 13 86% Serving 14% Retired 31 Soldier On Demographics

32. Soldier On Program * Walking With The Wounded (WWTW): Team Soldier On comprised of MCpl Chris Downey, Cpl Alexandre Beaudin-D’anjou and 2 Soldier On Australia ill/injured members will race against US and UK teams to the South Pole. Prince Harry is participating as part of the UK Team. Saddle Up Soldier On Toronto, ON 7-11 Oct 13 WWTW Allied South Pole Challenge Antarctica * 19 Nov- 22 Dec 13 USMC Trials San Diego, CA 2-14 Mar 14 Soldier On Water Fowl Hunt Petawawa, ON Oct - Nov 13 2 nd Annual Allied Winter Sports Camp Whistler, BC 9-19 Feb 14 Soldier On National Ski Fest Mt Washington, BC 2-8 Feb 14 Soldier On Guided Hunts Forestburg/Elk Point, AB Oct-Nov 13 32 As of 01 Oct 2013

33. Financial assistance in the form of low interest loans and/or grants: Minor Disbursement Program ($33K to 194 members)* Grants up to $200 (on a once per lifetime basis) to relieve temporary distress or to promote well-being. Education Assistance Loan Program ($1.9M to 476 members)* Loans ($1,2k to $4k per year, max $16k per student) to assist eligible serving members, former members and their recognized independents to obtain a post-secondary education (full-time studies). Self Improvement Loan Program ($7.5M to 2,208 members)* Financial assistance through small loans ($1k-$5k) to assist in emergency situations such as: compassionate travel, urgent home and car repairs, minor renovation projects, etc. Financial Distress Program ($1.1M to 154 members)* Grants and loans when warranted by distress or other qualifying circumstances. The lifetime maximum for assistance is $5,000 for a grant and $25,000 for a loan. Access to the fund is normally through an agent of the fund, Veteran Affairs Canada, SISIP Financial Counsellors or designated Base/Wing Program Administrators Eligibility to make an application does not guarantee approval Each request adjudicated against specific criteria before a decision is rendered *data based on calendar year 2012 33 Canadian Forces Personnel Assistance Fund

34. 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 2013, more than 400 children of military members enjoyed a complimentary week at Camp Maple Leaf and Muskoka Woods. The Military Families Fund, Canada Company and personal donations have unwritten the cost of camp registrations. 34 SOT Summer Camps

35. 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 More than 100 CAF members/families have benefited from this program 35 Vacations for Veterans Program

36. 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/CF Support – There is little adherence to policy provisions and – There are diminishing efforts to align with CF priorities Some external organizations competing with internal NPP “charities” 36 NPP Outreach

37. 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 37

38. 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: 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 $155,000 to CFMWS since the inception of the Program Sponsorship: $250K in 2013 for national and local programs Canadian Defence Community Banking (CDCB) 38

39. 39 Comparative costs: CDCB Performance PlanIndustry Standard $5.45/monthVaries from $11.95 to $14.95$ / month depending of the institution 2 free monthsNone Fee waived with $3000 minimum balance Fee waived with $3000-$4000 minimum balance depending of the institution Unlimited transactions Earn Air MilesNone Canadian Defence Community Banking (CDCB) The following is a comparison of similar banking programs available in Canada. Source: www.fcac-acfc.gc.ca/eng/resources/publications/banking/

40. Official discount program of the CF Over 40,000 CF Appreciation Program cards issued Members can save at more than 26,000 locations locally, nationally and worldwide Categories: Accommodations, Attractions, Entertainment, Dining, Recreation, Services, Shops, Travel & Transportation Visit: www.cfappreciation.ca 40 CF Appreciation Program

41. 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. 41 CF Appreciation Program

42. 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 42 CF Appreciation Program

43. Confirms that an individual is a member of our One Community – One Million Strong Provides access to MW programs, services and facilities 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. 43 CFOne Card

44. 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 44

45. Questions? 45