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PRESIDENT CEO REPORT





                                                                                         Jeremy Stephenson
                                                                                         GCU President/CEO





               Looking Back with Gratitude,



                    Looking Ahead with Hope








                      s we bring another year to a close at GCU,  I am genuinely excited about what lies ahead. In the com-
                      I find myself deeply grateful—for our mem-  ing year, we expect to:
                      bers, our staff, our agents and our many     • Continue enhancing our member and agent experience
                      partners who make this fraternal family   through better tools and more efficient service.
          A what it is.                                          • Expand and refine our product offerings to meet the
                        In 2025 meaningful progress  and quiet
          but important transformation have occurred at GCU. We   needs of families in all stages of life.
          continued to honor the mission that has guided the orga-    • Deepen our commitment to faith, community, and char-
          nization for generations: protecting families through our   itable outreach—the heart of who we are as a fraternal
          portfolio of life insurance and annuity products, while giv-  benefit society.
          ing back to the communities we serve. At the same time,   Most importantly, we will keep listening—to our mem-
          we have been laying the groundwork for a stronger, more  bers, our agents and our communities—so that the deci-
          modern organization—one that can serve you and your  sions we make reflect your needs and values.
          loved ones even better in the years ahead.            As we prepare to celebrate Christmas, I’m reminded
            Across the Home Office, our teams have been focused  that our work at GCU is about more than numbers, poli-
          on improving how we do business with you. We’ve taken  cies and systems. It’s about people. It’s about the peace
          important steps to streamline service, enhance our sys-  of mind that comes from knowing your family is protected.
          tems and strengthen the support we provide to our agents  It’s about the joy of helping others and the strength we
          and members. We’ve worked hard to make it easier to  find in community.
          open & manage policies, answer questions more quick-  From my family to yours, and on behalf of our Board
          ly & accurately and provide clearer communication about  of Directors & the entire GCU team, I wish you a blessed
          the products you trust to protect your financial future.  and peaceful Christmas season. May your homes be filled
            Behind the scenes, we have also been investing in tech-  with faith, hope and love—and may the New Year bring
          nology, processes and people—building the  foundation  you good health, happiness and renewed confidence in
          for long-term growth and stability. These efforts don’t al-  the future.
          ways make headlines, but they matter a great deal. They   Thank you for your trust in GCU and for allowing us to
          are what allow us to keep our promises, remain compet-  walk alongside you and your family. We look forward to
          itive in a changing marketplace and continue to live out  serving you in 2026.
          our fraternal purpose in practical, sustainable ways.  Merry Christmas and Happy New Year!
            All of this positions GCU very well for 2026 and beyond.

















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