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MBA GROUP BENEFIT President INFORMATION Marvin Koski Teacher-Independent School District#833 Vice-President Bob James 1iitiicsota University of Minnesota f Secretaryrrreasurer B e i e ■it James M. Harrison • S S O C i d t ion Minnesota/Wisconsin Boundary Area Commission hoard of Directors II Steve Alderson State Transportation y • Phyllis Holtz Insured Member 1 1 1 1 ,:ially Krupich Teacher-Independent School District#625 Ronald A. Kuklok Ramsey County Corrections Department MINNESOTA BENEFIT Lawrence Nybeck Washington County Surveyor ASSOCIATION ohn G.Ohrn Federal highway 6701 Upper Afton Road Administration Woodbury, MN 55125 Limes Witt 1-800-360-6117 Township Official (651) 735-9874 fax (651) 739-3260 Serving Public Employees and Elected Officials Since 1929 Illlll'�nla t•ntfit II X11• GROUP INFORMATION HIGHLIGHTS ♦ MBA History and Purpose ♦ MBA Benefit Summary • Scholarships ♦ Payroll deduction ♦ Endorsed Supplemental Insurance Plans ♦ Web Site/Newsletter • Principles of Operation ♦ Distribution of Information A BENEFIT SUMMARY. . . Public Employees and Elected Officials all have the following benefits available for themselves and their families. General Services Financial Services ♦ Scholarships ♦ Endorsed Voluntary Supplemental Insurance ♦ Payroll Deduction Plans- , • Auto Lease / Purchase Cancer Auto I Homeowners Discounts Life Medicare Supplements Dental Long Term Care Disability Accident • WebSite/Newsletter Annuities • Long Term Care Educational • Legal Plan Workshops • Discount Brokerage Real Estate Services ♦ MBA Member Real Estate Coordinator • Mortgage Fee Discounts • f • Iinnesota ID E Fi F1 I 17 Spring/Summer 2000 IA PUBLICATION OF THE MINNESOTA BENEFIT ASSOCIATION enefit News is an informational profit association of all public employees publication of the Minnesota &elected officials in Minnesota. If you Benefit Association. Our goal is to have suggestions for things you would What's Inside: produce a newsletter that provides infor- like to see covered in future issues, call I mation to our public employee members. the Benefit Line at 800-865-4622.MBA This publication is one benefit you' receive as a member of MBA—a non- Grass Roots Government Township'Boards and their citi- .°A STATE GOVERNMENT l s in Minnesota meet and. NEWS make decisions regarding many of the same things city Township Government-by Monica Dwyer Abress counsels decide for its resi- dents. Putting the Power in the Hands of the People n recent years,Minnesota 6 miles.Almost all of the 50 Hi. mm„m�____-., i has received increased states have geographical town- Some people ask, if a town- attention as a result of the ships. However,township gov- ship looks and operates like a Interest rites have climbed, city,why doesn't it become a ales continue to be i election of Jesse Ventura as erment exists in only 20 states. strong,McMbers benefit from Governor. ever People everywhere city?People like having con-p Y specie/cnancinc dews With recognize Jesse's face or name. In Minnesota, there are 1,793 trol of the budget, especially 1=ltecia With that increased attention, townships in which roughly 23 when they are the ones paying I government in Minnesota has percent of the state's popula- the tax burden.Township rest Creait Cards also been put in the spotlight. tion resides.Townships are dents like the local control But there is one area of governed by a board of super- they are given in helping to cOnVentenCe Convenience Versus credit visors, all elected by the resi- decide township policies. safety;ti hats ould.you know Minnesota's government that Y p p ;.. about protecting yourself from has remained in the back- dents. Each town board pre- People enjoy the"luxury”of g y Bents a recommended annual having a voice in their local `�s theff ground, quietly at work, effi- g Httttlt tttl ycu trtTntmts the ciently tending to the business budget,but the people give the government.Township gover- n mbe area offers you final approval.The people's ment is the People's redeive' at hand:Township Goverment. vote decides the amount of Government,which is the Township government was their local tax levy.This is form of government many pre hip first established in our country quite different from city gov- fer. in Rhode Island in 1636, in ernment in which a city coun- cil ram place even before the idea of sets the tax levy for the Township government is effec- , Four winners were chosen and statehood.New England towns property owners. tive and efficient. It is for the will be Announced in the Fall adopted this form of local gov- people,by the people, and it's Benefit News At each township's annual quietly at work in your coin- ernment,incorporating town imeetng,residents also have meetings and the election of Benefit Line: the authority to instruct the p citizens to town boards. town board to adopt ordi- Monica Dwyer Abress is the Chairperson of 800-865-4622 Lent Township and is also District 7 As the country was established nances and change policy. In Director for the Minnesota Association of For more information on and more states were formed fact, Minnesota townships pro- Townships.She recently authored the book any or all benefits, please vide many of the same servic Quietly at work:Township Government m call the MBA Benefit Line.-' geographical townships were America,which can be ordered by calling formed through the Land Act es cities provide: sewer,water, 1-800-895-4585 of 1796. Congress defined a police,fire protection, and i township as an area 6 miles by emergency medical personnel. I l woo FINANCIAL I: . ; NEWS climb,we receive a number of calls from MBA members and an added bonus of a Financing Updates and potential borrowers asking about adjustable FREE Vacation package on qualifying rate mortgages(ARM loans). ARM loans loans offered for a limited time. Call today Trends look a little more attractive than the fixed and learn more about how HomFi can help rate loans but beware of the fact that your you on your home financing or refinanc- ome sales continue to remain first year is a teaser rate and after the first ing. Please call (800)943-3308 extension strong even though interest rates year,even if rates stay the same,your 202 and ask about your discounts and free have risen slightly. ARM could go up! Think twice before vacation opportunities! entering into an adjustable rate right now New construction has especially remained since the bond market pricing does not strong and will continue to do so for some Member FREE seem to give much savings at this time. time. If you are considering building a Discounts ",,1,,,, Vacation! home,the HomFi- One Time Close-new '1•I•\ Limited time offer.Only avail- Technology continues to improve the serv- able on closed Ions call for construction loan is the way to go. ice levels-HomFi is connected directly to "" details Experience significant cost savings by Buying, Building, Refinancing avoiding double mortgage registration tax Fannie Mae and can give same day pre- _ �"A approvals with completed applications that H O M,[ I and other costs that are usually paid twice ive ou the edge you need when making g y g y g MORTGAGE SERVICES, INC.in construction and permanent financing offers on homes...especially in this tight 612-938-1230*(800)943-3308*www.homfi.com transactions. As interest rates start to market. We have special discounts for Cornerstone Title, Inc. 612-876-0360 Protect your Credit Are You A Candidate for Identity Theft J dentity theft is on the rise.While you secure place. probably cannot prevent identity theft Minimize the identification information entirely,you can minimize your risk and number of cards you carry to what Order a copy of your credit report from by managing your personal information you actually need. each of the three major credit reporting wisely, cautiously and with an awareness agencies every year. Make sure it is accu Do not give out personal information on rate and includes only those activities of the issue. the phone,through the mail or over the y you've authorized.The law allows credit Before you reveal any personally identify- internet unless you have initiated the con bureaus to charge you up to $8.50 for a ing information,find out how it will be tact or know who you're dealing with. copy of your credit report. used and whether it will be shared with Identity thieves may pose as representa- others.Ask if you have a choice about the tives of banks,internet service providers One final tip, if you receive pre-screened use of your information: can you choose and even government agencies to get you credit card offers in the mail(namely, to have it kept confidential? to reveal your SSN,mother's maiden those based upon your credit data),but name, financial account numbers and don't tear them up after you've decided Pay attention to your billing cycles. other identifying information. Legitimate you don't want to accept the offer, identity Follow up with creditors if your bills don't organizations with whom you do business thiefs may retrieve the offers for their own arrive on time.A missing credit card bill have the infomation they need and will use without your knowledge. could mean an identity thief has taken not ask for it. over your credit card account and changed To opt out of receiving pre-screened credit your billing address to cover his tracks. Keep items with personal information in a card offers, call 1-888-5-OPTOUT.The safe place.To thwart an identity thief who three major credit bureaus use the same Guard your mail from theft. Deposit out- may pick through your trash to capture toll-free number to let consumers choose going mail in post office collection boxes your personal infomation,tear or shred not to receive pre-screened credit or at your local post office. Promptly your charge receipts, copies of credit offers.MBA remove mail from your mailbox after it applications, insurance forms,bank resource:Federal Consumer Information Center has been delivered. checks and statements that you are dis- carding,expired charge cards and credit This information is brought to you by Put passwords on your credit card,bank offers you get in the mail. and phone accounts.Avoid using easily HOMFI Mortgage Services, Inc. available information like your mother's Find out who has access to your personal maiden name,your birth date,the last four information at work and verify that the digits of your SSN or your phone number, records are kept in a secure location. Do or a series of consecutive numbers. not carry your SSN card; leave it in a f7. I• LIFESTYLE NEWS it Have You Checked Your Smoke Detector This Month? ere's an important question you ing a ladder, use a broom handle to push Since most home fire deaths occur when - °°..°____ - , should ask yourself regularly:Are the test button. In some communities,the the occupants are asleep,install a unit out- my smoke detectors in good work- local fire department can assist you. side each sleeping area. ing condition? Once a year,replace all the batteries. Don't install any smoke detectors near an Having smoke detectors installed in your Perform this important duty on an interior or exterior door because drafts and home is one of the simplest ways to safe- anniversary or other easy-to-remember air movement could cause the smoke to guard your home and family from the ray- date, for instance, when you turn your miss them. It's best to install them on the ages of a home fire.They increase your clocks back.And if any of your smoke ceiling at least four inches from the near- chance of surviving by 50 percent. detectors are more than 10 years old, est wall.The next best place is high on a replace them completely. wall,4 to 12 inches from the ceiling.MBA But, simply having smoke detectors in your house is not enough-they need to be It's also important to ensure that your While smoke detectors can help protect you properly maintained in order for them to smoke detectors are clean. Don't paint from harm,to ensure your home is fully pro- be effective. Putting them in appropriate over them. Cover them when doing work tected,review your homeowners and/or fire areas,keeping them clean, and replacing that will produce a lot of dust in the air. policy regularly as well. Call 1 800 GET-MET the batteries regularly will keep your When you change the batteries, clean the 1 (1-800-438 6381)for a free,confidential insurance review and no-obligation quote.It's detectors in working condition-and help units as well by following the manufactur another simple thing you can do to protect keep you safe. er's instructions. yourself. Always ensure that each of your smoke Placement of your smoke detectors is just METPAY,underwritten by Metropolitan Property and detectors has fresh batteries. Once a Casualty Insurance Company and its Affiliates,Warwick, as important as keeping them in good month, check the batteries to see that RI,is available in most states to those who qualify. In some operating condition.As a rule of thumb, instances,special arrangements for coverage have been made they're working, and if not,replace them install one smoke detector for each level with other carriers. In Texas,homeowners coverage is pro- immediately. If you have difficulty climb- of your home, including the basement. vided by Metropolitan Lloyds Insurance Company of Texas. 2001 MBA Scholarship Deadline changed to January 31, 2001. Member Support... Contributions Requested! To offer support to a student as they prepare themselves for the road ahead is a worthy act.Please help MBA to continue its programs such as the Annual Scholarship Program.Your contribution of$5, $10 or$100,joined with the contributions of others,will enable chil- dren of public employees to reach their life's goals through post-secondary education.Thank you. (Note:Make checks payable to MBA, mail to MBA Scholarships, 6701 Upper Afton Road, Woodbury, MN 55125) MEMBER MORTGAGE DISCOUNTS r. Quality Insurance Coverage for Regular Price HomFi Price your Auto, Home and Other Origination Fee: $1,000.00 $ 750.00 Personal Property Appraisal Fee: $ 325.00 $ 275.00 47 j 116 Title Insurance: ,350.00 -- $ 250.00 -Special MBA Rates* Closin .Fee: 250.00 • $ 175.00 • Payroll Deduction Discounts* Money Saving Discounts* Total: $1,925.00 $1,450.00 $475.00 SAVINGS For tree,no-obligation premium quotes,call: 22 $4,...(7 1 800 GET-MET1 "� (1-800-438-6381) Other estimates*: $150,000.00 Refinance=$500.00 Savings - (/ /� a Available in most states to those who qualify N mile^o'" $200,000.00 Refinance=$725.00 Savings n,`m /,� I n saeon 'Estimates are based on vendor discounts and arrangements with Service Providers in the 7 county metro /O/R WORI.,V MetLife Auto&Home I` area.The origination fee discount is guaranteed for all of Minnesota by HomFi.The fees shown under the U 't°r PEANUTS unlad Feaw,e MetLife Auto&Home is a brand of sinteopolitan Property and example are not all of the fees involved in refinancing and should not be construed as the total fees involved i .theme.mc_t5vuo+sea�eeoo syr t'` l Casualty Insurance Company and its Affiliates,Warwick,RI,In 11n in refinancing.The fees shown are only those fees where a discount applies. tad"'u s A Texas.homeowners coverage is provided by Metropolitan Lloyds wt I.a;a,�,ut mal�uao-ro Insurance Comany of Texas. HomFi Mortgage Services, Inc. www.honfi.com Is endorsed by the (612)938-1230 '4 Minnesota Benefit Association (800)943-3308 MEnaER SUMMARY OF BENEFITS , Voluntary Supplemental Insurance Auto Lease/Purchasing Program and pre-pay your legal services on a 1 For more than forty-five years, MBA Auto Buying and Leasing Services, monthly basis. Call the hot-line for has offered insurance products at the Inc. was named the 1999 Auto details. lowest possible price to supplement Broker of the Year. Members have the group plan provided by your access to most domestic vehicles at FOR INFORMATION: employer. Even if you have been $29 over the factory invoice. You will To learn more about these and other turned down in the past, you can be eligible to receive factory rebates benefits available to Minnesota qualify for many of our endorsed and maximum money for your trade- Benefit Association members, please plans.Available coverages include: in. Excellent savings also are avail- call the Benefit Line ✓ Life ✓ Medicare Supplement able on import cars, trucks, and ' 800-865-4MBA vans. www. autobuylease.com Nunn sot:t' . ✓ Dental ✓ Auto/Homeowners y tie it ... ■, ✓ Disability ✓ Long Term Care s*Kiiti49.0. ✓ Cancer insurance Estate, Retirement, and Financial These plans are underwritten by Planning nationally known insurance compa Mutual Funds are available with 11 It < ..... ..... Hies. nationally recognized companies. A Minnesota Benefit Association free, no obligation consultation is Mortgage Services offered by a premier organization to President Through HomFi Mortgage Services, all MBA members. Call the MBA hot- Marvin Koski cher ISD#833 Inc., MBA members can choose from line for further information. Vice-President 30-year fixed rates to 1-year Robert James adjustable rates, first and second Real Estate Services Retired University of MN mortgages, home equity loans and You can receive up to $2,000 as a SecretaryfTreasurer James M.Harrison more. Members receive low rates, cash bonus when you buy or sell MinnesotalWisconsin low fees, personal service, and a dis- your next home. As an MBA mem- Boundary Area Commission count on closing costs! If you have ber, you receive real estate services Board of Directors less-than-perfect credit, we can help. through our affiliation with Edina Phyllis Holtz Access the HomFi website at Realty. Whether you are moving Insured Member www.homfi.com Equal Housing Lender, across town or across the country, Ron Kuklok 1 Ramsey County Corrections Dept. we can make your transition a faster, Auto and Homeowners Insurance more efficient one. Program benefits Sally Krupich #625 Through the MBA endorsed are only available by first calling the METPAY ro ram, members receive Lawrence Nybeck p g MBA Hotline. Washington County Surveyor a 14% group discount off automobile John G.Ohrn coverages. Where payroll deduction Legal Services Federal Highway Administration is available, an additional 10% dis- One out of three Americans will need Cheryl Rebeck count is given on Auto coverage. Call the advice of a lawyer in the next State of Minnesota Public Utilities 800 GET-MET1 for more details. Or Commission twelve months. Our endorsed Legal for an online quote, access James Witt q Programs allow you to prepare a will Township Official www.metpay.com on the web. code o9f lilt Z61•Z-SZISS NW `AingpooM .�I. _Kw`suodeauutJA 'pt/ uo;}'y iedd(� 10L9 \11 OOi •0N l!tu ad uoifti)oss . QI�d maua g alelsod'5.n ptosauuii a3e2I AMU Minnesota Benefit Association A Non-Profit Association of Public Employees and Elected Officials THE LIVING TERM LIFE PLAN FEATURES. . . • SPOUSE-ONLY COVERAGE THEAVAILABLE • LOW non-tobacco use rates WHICH LIVINGREMAIN LEVEL FOR THE FIRST TEN YEARS TERM • Waiver of Premium LIFE • Premiums may be Payroll Deducted if available through employer PLANT • Child premiums remain level until age 30 • Coverage is portable An important • Hardship Emergency Loan Privilege approach to life insurance for everyone in your family Endorsed by the Minnesota Benefit Association DISTRIBUTION OF cnc�ir INFORMATION A wide variety of MBA membership benefits are available to employees at your facility. Allowing them access to information about these benefits: ♦ Can be done without any day-to-day time or administrative costs to .our facility. Y ♦ Does not imply endorsed or sponsorship p ♦ Assures that your employees will not be at a disadvantage - they, like State employees and employees at other government facilities in your area, will have a complete picture of their privileges through MBA ♦ Will not interrupt work activities Information may be distributed in several different ways: ♦ Customized no-cost payroll stuffers ♦ On-site information service ♦ Mailed direct by benefit providers ♦ Flyers and posters ♦ Toll-free 800 number (800) 360-6117 p.t . } ' ari n;dts: MB A. GR "'-'n Application Deadline January 31 , 00 Attention: All Minnesota Public nw . ' R e:B i�ard of;Directors of the Minnesota Benefit Association is pleased to announce,its : A,,-. . 1OLARSRIP AWARDS PROGRAM. The 2002 program offers financial assistance for � Acatien and;is o pen to 2002 high school gr aduates or any c uu trently enrolled t�:�_� , Public or`school district employee in Minnesota or whose parent or parents are public meta. e:Scbolarships can range up to $1,000 per award. The selection of winners will be# ';= uncial need with consideration also given to academic aptitude, vocational promise, p.qualities.Each application for scholarship should be accompanied by school transcrnp and essay on The Attack on America•How has the Attack on America influenced o of"public service"in our nation? :Lin p'.. urge:all'interested public employees who are eligible or whose children are eligible>?i application form and enter this year's competition. In the past 45 years, wehaye aw�$, olaiships to 256 very deserving young people from almost every county in the state. ' < ` ' HOW TO APPLY Instructions and applications are available at your place Hof employment or your local School. If you are unable to obtain the materials at either of these places, you , .application directly from MBA by sending a SF,t P-ADDRESSED;STAMPED IA MBA Scholarships 6701 Upper Afton Road Woodbury,MN 55125 :The application must be completed and returned with a postmark not: ' ►° Jantery 31,2002.•Winners will be notified in May 2002. More information-e _1 y;$X :y' Scholarship program can be found at www.minnesotabenefitassociatio corn. . - . .�' MINNESOTA BENEFIT ASSOCIATION 6701 Upper Afton Road,Woodbury,MN 551 ?hone 6511.735.9874 Toll Free 8003604117 Fax 651.739.3260. yyr { APPLICATION INSTRUCTIONS FOR THE MINNESOTA BENEFIT ASSOCIATION SCHOLARSHIP AWARD PROGRAM Thank you for requesting an application for the 2002 Minnesota Benefit Association Scholarship Program. This is a competitive program open to family members of public employees or elected officials in the State of Minnesota. Scholarships of$1,000 were awarded to four individuals in 2001. You are invited to submit your application for consideration. Please carefully follow all of the instructions below. Winners will be notified in May, 2002. INSTRUCTIONS Please answer every question on the Scholarship Application Form. If an item does not apply to P PP you, enter "NA" in the applicable space. Your application must be postmarked no later than January 31, 2002 in order to be included in this year's program. If you are chosen as a finalist, you may be asked to submit a copy of your IRS Form 1040. We also may ask for a copy of your parents'IRS Form 1040. Applications will be judged primarily on the basis of financial need,but with consideration also given to academic achievement, vocational promise, leadership, character and an original essay described below. Winners will be asked to submit a picture to be used in future Scholarship materials for the Minnesota Benefit Association. APPLICATION CHECKLIST Please submit all of the following items with your application: 1. Your completed MBA Scholarship Application Form. 2. Grade transcript showing most recent grades earned. If you are already in college or other post-secondary institution, also submit a copy of your high school transcript. 3. Scores of any standard high school or college tests certified by your registrar, counselor or principal. If such test scores are recorded on your transcript, have the certifying officer circle and initial them. 4. Statement by registrar, counselor or principal of your latest rank in your high school class. If such information is listed on your transcript, have the certifying officer circle and initial it. If you are a post-secondary student, provide your final high school class rank. 5. A typewritten essay of 300 - 500 words.Topic: How has the Attack on America influenced or changed the definition of"public service"in our nation? Note: If any of the above materials are being mailed separately,please include a note to that effect with your application form. MAIL COMPLETED MATERIALS TO: Minnesota Benefit Association ATTN: Scholarship Committee 6701 tipper Afton Road Woodbury, MN 55125. MINNESOTA BENEFIT ASSOCIATION 6701 Upper Afton Road, Woodbury. MN 55125 Phone 651.735.9874 Toll-free 800.360.61 17 Fax 651.739.3260 MINNESOTA BEN EFIT ASSOCIATION . ,r 20(12 SCHOLARSHIP AWARDS PROGRAM SCHOLARSHIP APPLICATION FORM "U Please complete this form. If an item does not apply to you, please enter "NA" in the applicable space. 1. NAME OF APPLICANT MALE FEMALE (Last) (First) (Middle) 2. HOME ADDRESS (Street or RFD) (City) (State) (Zip) 3. HOME TELEPHONE NO.( ) 4. DATE OF BIRTH 5. SOCIAL SECURITY NO. (For management records only) 6. HIGH SCHOOL ATTENDED CITY 7. GRADUATION DATE 8. PRINCIPAL'S NAME 9. FAMILY INFORMATION: PARENT'S MARITAL STATUS (Please check) Married Widowed Divorced Separated Single Father/Stepfather: Name Age Occupation. Employer — Mother/Stepmother: Name Age Occupation Employer Number of Brothers or Sisters (Older than you) (Younger than you) Number of Children, including you, now living at home: Do you or your parents have a physical disability? If so, please describe 10. PUBLIC EMPLOYMENT INFORMATION: List all current or retired public employees in your family. NAME POSITION OR OFFICE EMPLOYER I 1. LIST ANY SCHOOL,CHURCH OR COMMUNITY ORGANIZATIONS FOR WHICH YOU HAVE BEEN AN OFFICER. INDICATE WHAT OFFICE(S) YOU HAVE HELD 12. EMPLOYMENT OR OTHER EXTRA-CURRICULAR ACTIVITIES. (PLEASE COMPLETE OTHER SIDE) Please review the separate instruction sheet for information regarding application completion. Be sure to include all of the required cunnit'mentary materials with vnur nnnlieatinn Questions for High School Students Only: A. What school do you plan to attend? B. (Please check)I am accepted for enrollment I am enrolled C. Major course of study Minor Questions for Post-Secondary Students Only: D. Name of institution you are now attending E. School location F. Number of quarters or semesters completed G. Major course of study Minor H. (Please check) I am a Full-Time Part-Time, student. I. Are you registered for the next term? Same School? All Applicants Must Answer the Following Questions: J. Estimated costs of your post-secondary education for the coming year: Tuition Room/Board Other =TOTAL K. Number of other family members who will be attending a post-secondary school this coming year L. Amount of family support for other family post-secondary student(s) _ 14. FAMILY INCOME INFORMATION: Please also include support/income from non-custodial parent. Father Mother Yourself TOTAL 2001 Gross Income(All Sources) $ $ $ _ $ 2001 Federal Itemized Deductions $ $ $_ = $ 2001 Federal Income Tax Amount $ $ $ _ $_ Estimated 2002 Gross Income $ $ $ = $ 15. INCOME AVAILABLE TO MEET YOUR EXPENSES FOR FINANCIAL AID PERIOD: Personal Funds (Cash, Savings,Etc.) $ Private Loans $ Total Summer Earnings$ Amount Saved for School $. Earnings While in School (Exclude College Work-Study) $ Parental Support $ Spouse Support $ Scholarships Received(Name Source) $ Veterans/War Orphans Benefits $ Welfare Benefits $ Social Security Benefits $ t $ Other Income(DVR, BIA, CETA, Migrant Opp y, Etc.) TOTAL INCOME AVAILABLE TO YOU $ 16. I ALSO HAVE APPLIED FOR FINANCIAL AID FROM: AMOUNT(S) GRANTED: 17. MY VOCATIONAL GOAL IS: CERTIFICATION: All of the above information is true and complete to the best of my knowledge,and I agree to provide verification, if requested. I also agree that MBA may use my name and my photograph which I will provide if I am selected as one of the scholarship recipients and that I waive all claims for compensation in any form for any such use. APPLICANT'S SIGNATURE: DATE: PARENT OR GUARDIAN'S SIGNATURE DATE: (If annlicant is under age 18) MBA PAYROLL DEDUCI`ION The MBA Payroll Deduction program provides benefits to both the employee and the employer. Action by the Legislature on two different occasions resulted in State statutes authorizing the MBA Payroll Deduction system. (Note the excerpt from the legislation) FOR THE EMPLOYEE... FOR THE EMPLOYER... ♦ Up to 10% Premium ♦ No cost employee benefit Savings • Helps assure that ♦ Convenient employee coverage will be there when needed ♦ Helps assure coverage will be there when needed • Easy to administer- our staff is available to help if ♦ No Premium required at questions should arise time of enrollment Employer Account Employee SS# Employee Signature Date I hereby authorize the State of Minnesota or the named Political Subdivision or School District to deduct from my wages or salary the amount indicated to pay the contribution, including a processing fee, for my Minnesota Benefit Association Program. I further authorize payment of such amount to the Minnesota Benefit Association. I understand that changes in the amount of deduction may be made without further authorization from me. I hereby release and agree to hold the State of Minnesota or the named Political Subdivision or School District harmless from any claim as a result of any error in paying such amounts. This authorization is to remain in effect until 1 provide written notice that it is to be cancelled. Atil rt1+n 41,1' err" '0 0 on> lt+ V" 411111' 411" tl '{t► ,,,.,,1 deft 4100 Olt ' 4110 Olt gem 411D ,ito mom Ha i i 4 4 Minnesota Statutes • low , imi Ch Ater z � iiiiiid1111'iN,i ; ,� ., L ' • I 0 1 l' , 'Illl General Provisions it it-- "An Excerpt" 4 - 10.39 Loans, dues; deductions from salaries Subdivision 1. The heads of the various departments of the government of the state of Minnesota are hereby authorized, by and with the written consent of any employee of any state department, to deduct from the salary of such may be a employee such sum or sums as agreed to b Y g by such employee for the payment of any moneys to any state employee's credit union, or the Minnesota Benefit Association or to any organization contemplated by the provisions of section 179.65, of which the employee is a member; . . . •. 1980 Amendment.Added "or the Minnesota Benefit It, Association" to subd. 1. 4 4 4.. 4 4 V . . r 4111P Mei lei 011/0 40 IMO 411110 le,410 4110 4.0 OP/0,deb 410, 41110 411.ASO lei 410 4.0 a** 400 AP wi it Minnesota Statutes it 'I �!�� Lh�i �tcr' II1II1IIJIIHdV" A I 7 1 4 MI NI Hi It , Rights, Powers, Duties; Several Political Subdivisions • 4 "An Excerpt" • 4 4 471.61 4 Group Insurance, Protection for Officers, • Employees, Retired Officers and Employees 4 Subd. 1. Officers, Employees. • 4 Any county,municipal corporation, town, school district, county • extension committee,other political subdivision . . . may insure or protect its or their officers and employees, and their dependents, • 4 or any class or classes thereof, under a policy or policies,or contract or contracts of group insurance or benefits covering life, health,and accident, in the case of employees,and medical and surgical benefits, and ii, • hospitalization insurance or benefits, for both employees and dependents . . . Any such governmental unit, including county extension committees • ., and those paying their employees, may pay all or any part of the • premiums or charges on such insurance or protection. . . . 4 4 4 •, 4 i ft V ' i,, • 4,, ii. 14110 ' wittu, igiV geo ,,, ION wllm se, NOP 14110 witto 4+1' wl1110 4400 wllm iel tdit►' 43+ wIP liaLl Wel 4 lift ncsota Bcnctit 1ti1►ciation THE MINNESOTA BENEFIT ASSOCIATION A Non-Profit Association of all MirviesotaPubitc Employees and Elected Officials In Recognition of The Trust Placed In Us by The State Legislature. The Minnesota Benefit Association Commits Itself to The Following: PRINCIPLES OF OPERATION Our objective is to make as many Public Employees and Elected Officials as possible aware of and familiar with the benefits available to • them as members of The Minnesota Benefit Association. We value the good relationship we have with each employer and will do all possible to enhance and protect that relationship. We will always strive to see that membership visits do not interrupt work activity and will take place away from work areas. We pledge to keep the interests of our members first in all membership activities. We will explore the needs of each member to assure that the product or service recommended best meets those needs. We will present to each member all of the essential facts to help that person make the proper decision. THE LIVING TERM LIFE INSURANCE PLAN FATHER OF THREE, Life is unpredictable and indiscriminate. It is difficult to PUBLIC EMPLOYEE prepare for a tragic incident, but one simple way to protect Av a ACCIDENTALLY KILLED your family is in the purchase of the Living Term Life ot.7 ,/, Insurance Plan. Even though this cannot replace the loss of While changing the oil in his car, this your loved one, it can provide the financial protection for young spouse and father of three was your family in the event of their death. tragically and suddenly killed when the car collapsed onto him. Fortunately FEATURES for the family, the young father had taken advantage of his automatic membership in Minnesota Benefit ♦ Available for employees and/or family members Association (MBA) and puchased two ♦ Lower rates for non-tobacco users term life insurance P olicies. ♦ This plan is a level term, not a decreasing term plan ♦ Hardship Emergency Loan Privilege (H.E.L.P.) low interest loan that offers early access to funds The death benefit sums paid to this P g Y g � ) y if your life expectancy is six months or less. The loan amount can be up to 50% of the death family will never replace their husband and father, his love or his presence in benefit to a maximum of$50,000. their lives. However, his dreams for ♦ Coverage for children totaling $25,000 for only $1.75 per month per child with premium his children, his plans to help finance remaining level through age 29. their college education and daughter s ♦ Choice of benefit amounts ranging from $50,000 to $500,000 wedding do remain alive and • The first ten years premiums will remain level; increasing at 5 year increments thereafter. obtainable. ♦ Premiums may be payroll deducted for Minnesota state, county, city and school district employees if available through your employer. Due to his foresight, he continues ♦ Coverage is portable and convertible. If you change jobs, you are able to continue coverage at to °' e r h 'long into the same premium. the future, simply with the p purchase of term life ♦ The Living Term Plan can be used as mortgage protection. insurance. This brochure provides a brief description of some of the important features of Group Insurance Policy Number 100 MBA. The policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued and is underwritten by Security Life Insurance Company of America, 10901 Red Circle Drive,Minnetonka, MN 55343-9137. I SAMPLE MONTHLY PREMIUM RATES II MALE PREFERRED (Non-Tobacco Use) MALE STANDARD ISSUE BENEFIT AMOUNT ISSUE BENEFIT AMOUNT THE LIVING AGE $50,000 $100,000 $250,000 $500,000 AGE $50,000 $100,000 $250,000 $500,000 15 days to 29 3.50 6.00 15.00 30.00 15 days to 29 12.50 22.00 55.00 110.00 TERM LIFE 30-34 4.50 8.00 20.00 40.00 30-34 15.00 26.00 65.00 130.00 35-39 7.50 11.00 27.50 55.00 35-39 17.50 29.00 72.50 145.00 INSURANCE PLAN 40-44 10.00 15.00 37.50 75.00 40-44 20.00 37.00 92.50 185.00 45-49 15.00 27.00 67.50 135.00 45-49 30.00 55.00 137.50 275.00 50-54 22.50 45.00 112.50 225.00 50-54 47.50 94.00 235.50 470.00 55-59 35.00 70.00 175.00 350.00 55-59 85.00 160.00 400.00 800.00 60-64 55.00 110.00 275.00 550.00 60-64 137.50 250.00 625.00 1,250.00 wrigm 65-69* 87.50 175.00 437.50 875.00 65-69* 225.00 425.00 1,062.50 2,125.00 FEMALE PREFERRED (Non-Tobacco Use) FEMALE STANDARD ISSUE BENEFIT AMOUNT ISSUE BENEFIT AMOUNT AGE $50,000 $100,000 $250,000 $500,000 AGE $50,000 $100,000 $250,000 $500,000 rillo0)°,1111111) 15 days to 29 3.50 6.00 15.00 30.00 15 days to 29 10.00 17.00 42.50 85.00 30-34 4.50 8.00 20.00 40.00 30-34 12.50 21.00 52.50 105.00 35-39 5.50 10.00 25.00 50.00 35-39 15.50 24.00 60.00 120.00 O ' 40-44 7.50 14,00 35.00 70.00 40-44 17.50 29.00 72.50 145.00 45-49 12.00 23.00 57.50 115.00 45-49 25.00 45.00 112.50 225.00 50-54 17.50 35.00 87.50 175.00 50-54 37.50 67.00 167.50 335.00 55-59 27.50 55.00 137.50 275.00 55-59 67.50 105.00 262.50 525.00 60-64 45.00 90.00 225.00 450.00 60-64 110.00 200.00 500.00 1,200.00 65-69* 70.50 140.00 350.00 700.00 65-69* 180.00 340.00 850.00 1,700.00 4117/1f Minimums: $50,000 in coverage or$10 per month in premium. Coverage of$25,000 is available for people age 55 or over. *For renewal only To receive more information about the MINNESOTA BENEFIT ASSOCIATION Living Term Insurance Plan or MBA, simply complete the enclosed card and Are prepared to A non-profit association exclusively of y ou p rep public employees and elected officials mail it to the address listed below. provide for your family in the State of Minnesota. Its purpose 6701 Upper Afton Road is to promote the financial well being of Woodbury, MN 55125 in the event of a tragic its members. death? (800) 360-6117 • (651) 735-9874 m- = v U) n • - D -s < ( W > Cn 3 0- v co -0 - m a' cn (7 Qo n C , .14. ,+ — GO sr 0 SD Cd CT ° �' D o n r a W Q cn cD 3 73 0 cn• C n " 3 n 0 m Q p CD CD v C) 2 p 0 = 7) p CD v c �<< . V 0 CO -• CCD z °— < n. v n m Q o cn r. 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C� Mission, "...to provide fraternal and J m benevolent services and benefits to ,Q Minnesota public employees..." ��,, a Z •Fewer than 10% of Americans 65 and u) O I- _ over carry Long Term Care Insurance U Source:Stephen A.Moses,Center for Long Tenn Care Financing, pVi W _ Seattle,w.Ais99 Rights &Privilege Q. co to , _ • Automatically a member o N Q r • Includes all employees - o < fr 0.1 G,' 40% of those entering Nursing At all levels w m W Z Homes after age 65 stay longer than • No membership dues CO a ° z iO Z one year. CO W >. Source:Broker Worid May,1399 Q 00 Q C } Let us HELP you with your z Q W N Cr EZ) The Number one reason wh eo le d Z y p p questions and concerns z o°o buy LTC insurance is to maintain � o N their independence and to stay in con- regarding YOUR future... " (1- CO trol of their lives as much as possible. Call MBA toll free at Source:LTC News&Comment April,7999 1-800-360-6117 �k or Check out our website at: n w www.minnesotabenefit- - �, = - association.com ^-- f ;: - Long Term - _ ,= , ,„ ....... ..._,,, „.. ,, ,...„ .... . ,,,,, e7, -,... = :' Care Why? ! . . ,. ,...., cr What is LTC (Long Term Care)? LTC provides for the day-in, day- 4 out assistance you need when a serious Z El. g? a A. g illness or disability renders you unable - Cr `` F .� physically or cognitively - to care for o .. yourself for a lengthy period of time. cn '� Y g Y P m 3 •1 14 LTC can be provided at HOME CARE, r • S. to ASSISTED LIVING,ALTERNATE CARE eD w FACILITY or a nursing facility. fa 3 CD -gee , .. A $. = '" • More than 12 million 3Y older Americans will CZ 3' require some form of long term care services by 2020. . 3 (Health Insurance Association 3 :` of America.) r« (D • 7. • 90% of nursing • C WI' 160 home residents are ` i D P over the age 65! ,'� • � n • By 2020, the �* D average life ; O 0 a expectancy in the N O 3 .. U.S will increase to IT . Q 1 the age 86 • Medicare and Medicaid will pay only a •-• e9 fraction of the costs of long-term care 111.11b (Journal of Public Health CLU's 1996). Call for your FREE No obligation Long Term Care quote today!!!! 1-800-360-6117 Voluntary Short Term Disability Classifications Weekly Benefits Begin * Rates (rate per $10 of benefit) Class I Benefits are paid once you become disabled 13 Week Benefit Period 100% white collar occupations generally and unable to perform with reasonable conti- classified as executive, managerial or profes- nuity one or more of the material duties that Age Class I Class II Class III * sional in nature. Job duties involve consider- you regularly perform, and have satisfied the 0-29 0.38 0.46 0.55 able responsibility for decision and policy elimination period. The elimination period 30-34 0.37 0.45 0.53 making. Occupations require a college degree is 30 consecutive days beginning on the first 35-39 0.39 0.47 0.56 or extensive experience in a business field day of disability during which time you are 40-44 0.39 0.48 0.56 and are performed in an office environment. totally disabled. 45-49 0.43 0.53 0.63 50-54 0.50 0.61 0.72 Class II -OR- 55-59 0.68 0.84 0.99 These occupations generally require technical 60-64 0.92 1.12 1.32 knowledge or travel, such as sales positions. Benefits will begin upon the first day of a 65-69 1.12 1.37 1.62 This category includes clerical professions as disability, if the disability is a result of an 70-74 1.45 1.77 2.09 well. accidental injury requiring overnight hospi- talization. Class III These occupations generally require physical Weekly Benefit Amount • and manual duties performed in a non-office environment. This generally includes individ- uals The weekly benefit amount is calculated at [Iiii with a high degree of labor union repre 60% of your weekly salary. The maximum �} r sentation. Most health care occupations are benefit payable by UWG is $500 per week. ' also included in this category.4,*-144 Partial Disability Benefit .1 -'� WftN� r Availability t �?ii 1 \ You must be a full-time employee working peri- od, you may be partially disabled and work- +,j m' 30 or more hours per week. Evidence of work- ing, yet still receive benefits. You must be '� (� insurability is not required. under the care of a h sician and unable to �' &.4z7 � physician .� earn 80/o or more of predisability earnings. li�� �\ `� One half of work earnings will be used to off- set set the STD benefit. *policy benefits integrate with any policy holder or employer provided sick leave plan Limitations and Exclusions Limitations voluntary 1. A new disability originally caused by an injury will be considered to be caused by an illness.A new elimination Short Term period must be served. 2. Any disability due to an injury,which begins more than Disability Calculating Your Rates 72 hours after the occurrence of the injury,will be con- sidered to have been caused by an illness for the purpose of determining elimination period. 13 week benefit period The following example illustrates the process for 3. Benefits for a disability due to mental illness,alcoholism calculating your monthly premium for the and/or chemical/drug abuse,will be provided only when Voluntary Short Term Disability plan. you are actively participating in an approved medical treatment program or drug/alcohol treatment program. 4. STD benefits will not be paid for duplicate disabilities Example resulting from simultaneous injuries and/or illnesses. 5. STD benefits will not be paid for any illness or injury Employee:Age 36 caused or contributed to by a pre-existing condition unless the date of disability occurs after 24 continuous 7� Occupation: Clerical Professional (Class II) months of coverage under this policy.A pre-existing Annual Salary: $30,000 condition is a mental or physical condition for which you 0 i° have consulted a physician;received medical treatment; Given the employee's age and occupation,the or taken prescription drugs during the 12 month period monthly rate for a 13 week benefit is $0.47 just prior to your effective date. (rate is expressed per$10 of benefit). Exclusions ill 1. Attempted suicide or intentionally self-inflicted injury Monthly Rate Calculation while either sane or insane. . 2. War,declared or undeclared,any act of war,any hostile Annual Salary $30,000 act of a foreign power. 3. Taking part in an assault or felony. :- 52 4. Illness contracted or injury sustained while on a personal Weekly Salary $576.92 leave other than jury duty or vacation. 7 Benefit Percentage x 60% 5. Illness contracted or injury sustained in the course of any endorsed by the Minnesota Weekly Benefit $346.15 employment for wage or profit. r for 6. Illness or injury for which you are eligible fo compensa- Rate Per $10 of Benefit -:- 10 Benefit :R. tion,in whole or in part,under the provisions of any iiii $34.61 Workers'Compensation Act or Employer Liability Law. Association Monthly Rate x$0.47 Monthly Premium $ 16.27 This brochure describes the Voluntary Short Term Disability Plan from United Wisconsin Insurance Company.For a com- plete description and legal interpretation of benefits,limita- and offered by tions,and exclusions,please refer to the contract language (policy#1014051). VVVG United Wisconsin Group Underwritten by United Wisconsin Insurance Company Affordable, Advice and Consultation Out-of-Network Option Personal ?... Legal Services s. LawPlan provides telephone and office consultations LawPlan also gives you flexibility to use an about virtually any personal legal matter. attorney who does not participate for services If you are like most that are covered under LawPlan. If you choose people,you encounter at •Family Law •Consumer Problems to do so, you will be reimbursed according to a least four to six legal s •Traffic Violations • Criminal Legal Issues published fee schedule. questions a year*, but do • Civil Legal Issues • Real Estate Matters not ask an attorney for During the consultation,the LawPlan attorney will advice. Many people avoid consulting an g y � .1.; � attorney because they are afraid of high fees, do explain your rights and options and recommend a r` f/� , not know how to select one, or they are not sure course of action. If you choose to retain the matter has legal implications at all. LawPlan attorney to represent you for further legal i..ue assistance,the participating LawPlan attorney will LawPlan provides members of the Minnesota provide a written statement of fees prior to providing Benefit Association with access to professional, any service (This does not apply to services that are Exclusions confidential legal services at an affordable excluded). price. As a participant in LawPlan,you will not LawPlan does not cover: Representation or think twice about picking up a telephone to talk trial work for any legal matter•Appeals and to an attorney about the common and not-so- Covered Services class actions • Farm, business, rental,patent, common legal matters that most people deal trademark and copyright transactions• Bank- with in their lives. Your membership in the Minnesota Benefit ruptcy• Tax returns • Disputes or proceedings Association LawPlan entitles you to the following involving sponsoring companies,Hyatt Legal covered services,all at no extra cost to you: Plans,Inc., Metropolitan Life Insurance Com- Professional Legal Services pany and any related entities or a Plan Attorney •Wills &Codicils •Living Wills • Frivolous or unethical matters •Costs and For less than the cost of your daily cup of •Powers of Attorney •Deeds fines•Employment-related matters,including coffee, LawPlan gives you,your spouse and •Promissory Notes •Document Review company or statuary benefits•Any matter where your dependents access to participating there is a conflict between the primary member LawPlan attorneys for assistance on a wide and the spouse or dependents;only the primary range of legal matters. member is entitled to services K , LawPlan offers these legal services through its t s� *Source:National Resource Center for Consumers of Legal Services Plan Letter,September 1996. network of more than 9,000 participating attorneys nationwide. Our participating attor- In certain states legal services benefits are provided through• Heys are carefully selected,have met stringent insurance coverage underwritten by Metropolitan Property and Casualty Insurance Company,Warwick,Rhode Island,and in selection criteria and have an average of over 17 Florida provided by Hyatt Legal Plans of Florida,Inc. e years of legal experience. . e Easy Access Without Thinking Twice... When you face a situation that you think may have legal implications, you can call a participating LawPlan attorney to discuss it. You access a par- ticipating LawPlan attorney by calling Hyatt Le- N jC111esota gal Plans'Client Service Center toll-free number. Benefit It Our Client Service Representatives will give you • ssoeIation an authorization number for the particular matter and assist you in finding a participating LawPlan ii attorney in your area. Once you have an authori- 1 \\•0 TVIinne s ota Benefit zation number,you can call the attorney to sched- III' ule an appointment at your convenience. Association LawPlan has no waiting periods,no deductibles, presents no co-payments and no claim forms when you use a participating attorney. H W RIi1' T EG.AL LawPlan® PLANS To enroll in Law-Plan,please contact: A Metlife"Company Minnesota Benefit Association Hyatt Legal Plans, Inc. 6701 Upper Afton Road Eaton Center j.j i Woodbury, MN 55125 1111 Superior Ave. T rlT ice,� Toll- free: 1-800-360-6117 Suite 800 I AL 651-735-9874 Cleveland, OH 44114-2507 PLANS www.minnesotabenefitassociation.com A MetLife`0 Company 01112002HLP(0104)GC t. A t 7. . Via. v �� •` � .. �P.. d, i : 4 • Why Do You Need Helps Pay for Non-Medical Cancer Insurance? Expenses and More... Statistics predict: Your major medical insurance covers most of the • Cancer strikes one in every two men and one direct charges such as hospital and physician bills, �' but not indirect costs,which can include: in every three women in the United States. • Loss of wages while caring for a family • One out of every eight women will member or while you receive treatment develop breast cancer. • Everyday living expenses and bills • One out of every six men will develop • Child care prostate cancer. • Transportation and lodging for non-local or Source:American Cancer Society, Cancer Facts &Figures, 2001 specialized treatment centers • Experimental treatments Extra Cash • Insurance deductibles and co-payments When You Need It! There is a simple solution to protecting your family's financial future: cancer & specified Your major medical insurance covers most of disease insurance. the direct costs of cancer such as hospital and Here's how it works: physician bills. However, major medical insurance does not • We provide cash benefits to you regardless cover the indirect costs of cancer,which equal of any other medical insurance plan you may 67%of the total costs.* have. • You use the money where you need it most. Additional features you need to know about: 67%10 • Guaranteed renewable for life. Non- 33% • Covers thirty specified diseases in addition Direct to cancer. Medical Costs • Coverage is portable—you can keep the Costs insurance if you change jobs. Remember, this coverage means benefits are provided to you in cash—you decide where to spend it. Source:American Cancer Society, Cancer Facts&Figures, 2001 Endorsed by: CAN R ..... a bdirts M -Minnesota , ' * 1:, .t: 1.` ., /3 -Benefit -Association ' ''''' '', ,.,„ .,.. .,, Minnesota Are you prepared for the Benefit A ssocation cost of cancer? II •�• 1111 6701 Upper Afton Rd •Woodbury,'�MN 55128 Toll Free: 800-360-6117• Local: 651-735-9874 <<ct CSO Central States Health&Life Co.of Omaha <<<t CSO 1212 N.96th Street•Omaha, NE 68114 Central 96th States Street Health•Omaha&Life Co.oof Omaha braska 68114 www.cso.com 1212 N. ,Ne Form 3990 MBA(7-01) • ene 1 From METPAY Minnesota Benefit Association Endorsed METPAY Offers Quality Coverage For Your Auto, Home And Other Personal Property • Competitive Group Rates • Flexible Payment Options -iraik iiMNV • Money-Saving Discounts* For a free, no-obligation quote, call: r f 0' • i ►1� 1 800 GET-MET 1 (1-800438-6381) _ soi*or • • i • *Coverages and discounts are subject to 1 #;„ c- . - �` " individual qualifications and local availability. 4t a, '* off imphi Ira. £.;:: �� 0 Met P&CM I Metropolitan Property and Casualty Insurance Company and Affiliates,Warwick,RI 96010096(exp0199)MPC-LD 18000203090(0297)Printed in U.S.A. PEANUTS©United Feature Syndicate,Inc. It pails to be a member! MEMBER MORTGAGE DISCOUNTS ra, •x�f 5 �' „:. Pa 5100,000 loan Re ular �r:.fi a.„.>z.r :`..::: :�• � :: JN' .rz :Example of , : z. i� %rice HomFI Price igIgniOr,l't?", 04146 0 0, •, � t�,, sz ; .wr :ii:„.... v3p" ' �.: :::s :4:t e � xo�.:,:::, < fN:.o:«:rs d a�:.� »<:; , x f < <ti :o3 j\, . . 1 . :.< _ »x .. : . x:v 3.. ., r 4 <.: , : .:::. a' p:;>:i_:::{:s::x<r .::x . :„ i:;c:„:rrs::ayi::i i;:i>i, ;z : : n :. i:: :„:.rr'.r:.ci::i:>:::::: : :.•:..:::;:o . «r: : g i 3? ; . . t . . . e am`t. .. 2 0 $ � �t Toi `ee: Oils F a $47 .�r 0 SAVINGS S r 0 N� 4 V y K5• ..j h 5 • � Y 2'16 .` ) n . 1 k, x� yz,tcxY,ac':vbr� :� � i :� 'S' -,w�aa2<v.1xt: .,yr:.”. Other estimates*: linnesota $ 150,000.00 Refinance = $500.00 Savings Benefit $200,000.00 Refinance = $725.00 Savings *Estimates are based on vendor discounts and arrangements with Service Providers in the 7 county • ssociation metro area. The origination fee discount is guaranteed for all of Minnesota by HomFi. The fees shown under the example are not all of the fees involved in refinancing and should not be construed as the total fees involved in refinancing. The fees shown are only those fees where a discount applies. II . . Member discounts available to all public A employees throu h HomFi Mort a e Services, Inc. SING g gg ErieuER ” " LENDER Call our benefit hotline at 0 Homfi Mortgage (800) 865-4622 0 M Services, Inc. is endorsed by the www.homfi.com Minnesota Benefit (952) 9381230 MORTGAGE SERVICES. INC. Association (MBA). (800) 943-3308