1. HIDDEN DESCRIPTION SLIDE — NOT TO BE SHOWN TO THE PUBLIC The Church Retirement Plan Catalogue code: A12 Presentation or Module? Presentation Slide numbers: A12-1 to A12-41 Registered/Non-Registered Usage: Allowed for all Last update info: Date updated: 2015-09-10 Project #26796 Description of changes: Slide 39 changed 15 to 12 relating to MyDestination Funds Disclaimer statement Filed with FINRA? No If yes, date: Notes:

2. The Church Retirement Plan 403(b)(9) Retirement Plan for Southern Baptist Churches A12-1

3. Source: Centers for Disease Control and Prevention, as of January 24, 2013. The Retirement Years: THE CHURCH RETIREMENT PLAN Men Average life expectancy in the U.S. Women Men Women Average 65 years Average 79 years A12-2

4. Retirement Income THE CHURCH RETIREMENT PLAN  Need 70–90% of preretirement income to continue lifestyle  Sources: Social Security Pensions Personal savings Continued employment A12-3

5. Retirement Income Sources THE CHURCH RETIREMENT PLAN Social Security ‐ Full benefits at 67 if born 1960+ ‐ Average benefit $1,294 per month Pension ‐ Many companies no longer provide Personal savings ‐ Eroding effect of inflation Source: www.ssa.gov as of January 1, 2014 A12-4

6. Preparation for Retirement THE CHURCH RETIREMENT PLAN  Begin early  Save consistently A12-5

7. Preparation for Retirement THE CHURCH RETIREMENT PLAN  Start today!  Goal: $200,000  8% earnings rate Age 30 $ 88/month Age 40 $210/month Age 50 $580/month Rate of return is purely hypothetical and not representative of any specific type of investment. A12-6

8. Preparation for Retirement THE CHURCH RETIREMENT PLAN  Tax-advantaged investment for employees of Southern Baptist churches A12-7

9. The Church Retirement Plan THE CHURCH RETIREMENT PLAN  GuideStone Financial Resources serving since 1918  403(b)(9) Retirement Plan for Southern Baptist Churches — The Church Retirement Plan A12-8

10. The Church Retirement Plan THE CHURCH RETIREMENT PLAN  Who can participate? Anyone with taxable income from a Southern Baptist church, church-related school or association Ministers or non- ministerial staff Full-time, part-time or bivocational A12-9

11. The Church Retirement Plan THE CHURCH RETIREMENT PLAN  What is it? 403(b) — tax code designation for non-profit organizations  Similar to: 401(k) — for-profit businesses A12-10

12. What is it? THE CHURCH RETIREMENT PLAN  403(b) tax code designation  Tax-sheltered plan Preretirement contributions and earnings NOT TAXED Postretirement distributions TAXED A12-11

13. What is it? THE CHURCH RETIREMENT PLAN  403(b) tax code designation  Tax-sheltered plan  Defined contribution plan Larger income payment Small income payment Small amount invested in contribution plan Larger amount invested in contribution plan A12-12

14. Why use it? THE CHURCH RETIREMENT PLAN  No sales commissions 100% of your contributions are invested into your account A12-13

15. Why use it? THE CHURCH RETIREMENT PLAN  No sales commissions  Reduction of taxes Employee contributions: ‐ Deferral of income taxes ‐ Exclusion from Social Security taxes for ministers A12-14

16. Why use it? THE CHURCH RETIREMENT PLAN  No sales commissions  Reduction of taxes  Higher contribution limits than IRA A12-15

17. Why use it? THE CHURCH RETIREMENT PLAN  No sales commissions  Reduction of taxes  Higher contribution limits than IRA  Income may be designated as housing allowance for ministers in retirement Distributed tax-free A12-16

18. Why use it? THE CHURCH RETIREMENT PLAN  No sales commissions  Reduction of taxes  Higher contribution limits than IRA  Income may be designated as housing allowance for ministers in retirement  Added benefits and contributions for eligible participants Disability and life protection benefits Matching retirement contributions A12-17

19. Why use it? THE CHURCH RETIREMENT PLAN  No sales commissions  Reduction of taxes  Higher contribution limits than IRA  Income may be designated as housing allowance for ministers in retirement  Added benefits and contributions for eligible participants  Christian-screened investment options  Proven investment management firms A12-18

20. Contribution Sources THE CHURCH RETIREMENT PLAN A12-19 Employer Recommended goal: 10% of employee’s monthly income

21. Contribution Sources THE CHURCH RETIREMENT PLAN A12-20 Employer Recommended goal: 10% of employee’s monthly income Employee Salary reduction

22. Contribution Sources THE CHURCH RETIREMENT PLAN A12-21 Employer Recommended goal: 10% of employee’s monthly income Employee Salary reduction Rollover Other retirement plans or IRA

23. Contribution Sources THE CHURCH RETIREMENT PLAN Employer Recommended goal: 10% of employee’s monthly income Employee Salary reduction Rollover Other retirement plans or IRA Baptist state convention Matching retirement contribution A12-22

24. State Convention Contributions THE CHURCH RETIREMENT PLAN  Disability Income Benefit Up to $500 a month disability income In addition to insurance or Social Security Contributes to retirement account $35 each month of disability benefit A12-23

25. State Convention Contributions THE CHURCH RETIREMENT PLAN  Disability Income Benefit  Survivor Protection Benefit Amount paid to beneficiaries determined by participant’s age at death Can equal as much as $100,000 Paid in addition to participant’s retirement account balance A12-24

26. State Convention Contributions THE CHURCH RETIREMENT PLAN  Disability Income Benefit  Survivor Protection Benefit No medical underwriting required Provided at no additional cost A12-25

27. State Convention Contributions THE CHURCH RETIREMENT PLAN $1 for $3 matching retirement contributions (maximum $17.50) Protection benefits — Disability Income Benefit and Survivor Protection Benefit $105.00 $52.50 $1.00 Your monthly contribution level A12-26

28. State Convention Contributions THE CHURCH RETIREMENT PLAN  Church: must meet convention requirements  Ministers: are eligible for benefits  Non-ministers: may be eligible for benefits  Matching contribution: determined by state convention  www.GuideStone.org/SBCChurchBenefits www.GuideStone.org/SBCChurchBenefits A12-27

29. How the Plan Works THE CHURCH RETIREMENT PLAN Example: $3,000 monthly income A12-28

30. How the Plan Works THE CHURCH RETIREMENT PLAN Example: $3,000 monthly income $300.00 employer contribution (10% goal) A12-29

31. How the Plan Works THE CHURCH RETIREMENT PLAN Example: $3,000 monthly income $300.00 employer contribution (10% goal) $150.00 participant contribution A12-30

32. How the Plan Works THE CHURCH RETIREMENT PLAN Example: $3,000 monthly income $300.00 employer contribution (10% goal) $150.00 participant contribution $ 17.50 state convention contribution A12-31

33. How the Plan Works THE CHURCH RETIREMENT PLAN Example: $3,000 monthly income $300.00 employer contribution (10% goal) $150.00 participant contribution $ 17.50 state convention contribution $467.50 total A12-32

34. Contributions Purchase Shares THE CHURCH RETIREMENT PLAN A12-33 Hypothetical example for illustration purposes only, not indicative of future performance. Monthly Contribution Fund NAV Shares Purchased Total Shares Account Value $467.50$10.0046.75 $ 467.50

35. Contributions Purchase Shares THE CHURCH RETIREMENT PLAN A12-34 Hypothetical example for illustration purposes only, not indicative of future performance. Monthly Contribution Fund NAV Shares Purchased Total Shares Account Value $467.50$10.0046.75 $ 467.50 $ 9.7547.9594.70$ 923.33

36. Contributions Purchase Shares THE CHURCH RETIREMENT PLAN A12-35 Monthly Contribution Fund NAV Shares Purchased Total Shares Account Value $467.50$10.0046.75 $ 467.50 $ 9.7547.9594.70$ 923.33 $467.50$10.2545.61140.31$1,438.18 Hypothetical example for illustration purposes only, not indicative of future performance.

37. Monthly Contribution Fund NAV Shares Purchased Total Shares Account Value $467.50$10.0046.75 $ 467.50 $ 9.7547.9594.70$ 923.33 $467.50$10.2545.61140.31$1,438.18 Contributions Purchase Shares THE CHURCH RETIREMENT PLAN Hypothetical example for illustration purposes only, not indicative of future performance. A12-36

38. Investment Fund Selection  One-choice approach GuideStone Funds MyDestination Funds ®  Asset allocation approach GuideStone Funds Asset Allocation Funds  Build-your-own approach GuideStone Funds Select Funds GuideStone Financial Resources Capital Preservation Fund A12-37 THE CHURCH RETIREMENT PLAN

39. A12-38 THE CHURCH RETIREMENT PLAN The MyDestination Funds attempt to achieve their objectives by investing in the GuideStone Select Funds. These funds are managed to a retirement date (“target date”) by adjusting the percentage of fixed-income securities and equity securities to become more conservative each year until reaching the retirement year and then approximately 12 years thereafter. The target date in the name of the funds is the approximate date when an investor plans to start withdrawing money. By investing in them, you will also incur the expenses and risks of the underlying Select Funds. The principal risks of the Funds will change depending on the asset mix of the Select Funds in which they invest. You may directly invest in the Select Funds. The Funds’ value will go up and down in response to changes in the share prices of the investments that they own. There is no guarantee that the Funds’ principal value will increase, including at the targeted date. It is possible to lose money by investing in the Fund. The Asset Allocation Funds attempt to achieve their objectives by investing in the GuideStone Select Funds. By investing in these Funds, you will also incur the expenses and risks of the underlying Select Funds. The principal risks of the Funds will change depending on the asset mix of the Select Funds in which they invest. You may directly invest in the Select Funds. The Funds’ value will go up and down in response to changes in the share prices of the investments that they own. It is possible to lose money by investing in the Funds.

40. Getting Started in the Church Retirement Plan THE CHURCH RETIREMENT PLAN  Church Retirement Plan application  Rollover application  Information kit Online at www.GuideStone.org Call 1-888-98-GUIDE (1-888-984-8433) Monday–Friday, 7 a.m.–6 p.m. CST A12-39

41. Mission/Church Assistance Fund THE CHURCH RETIREMENT PLAN  Annual church budget under $75,000  Up to $3,000 additional retirement contributions A12-40

42. A12-41