CHAPTER 17 - MINNESOTA 5200 Willson Rd Suite 314 Edina MN 55424

AUGUST 2013 NEWSLETTER

I DAY

updated UFAA web page for the latest information OF

nts find a UFAA Agent when they move out of state

I ARE i Each member has one (1) hour of techservice per UFAA Technology Please call Alex Conger at UFAA HERE

echlioloQIY for assistance 1-866-441-8018

urI Member is entitled to a Free E-mail address on the UFAA webpage Please contact UFAA tlbq-441-8018 or helpufaacom

friPri and recruit a new member Share a good UFAA experience write an article send a or come to a meeting and tell us

I

UR REGULAR MEETING WILL BE AT 2 NOON TUESDAY AUGUST 13TH

AT THE DOVER RESTAURANT LOCATED IN THE DOUBLETREE HOTEL

HILTON HOTEL MINNEAPQLlS - PARK PLACE 1500 PARK PLACE PH (952) 582-5323

Atll~nda

1 National Updates

12 Treasury Advertisers and Membership Updates

I I 1 3 Discussion on year end Party i 4 New Business

the sands of time are not made by sitting down

- Anonymous

11t1I~-rn FARMERS AGENtS ASSOCIATION IS A PROFESSIONAL ASSOCIATION COII)IMliTliED TO HEiplfJGOUR MEMBERS THROUGH EDUCATION COMMUNICATION SUIRPC)Rr AND INFORMATION ~ND TO ESTABLISHING A TRUE PARTNERSHIP WITH

GROUP INC

I d Pay as yOljl rive Insurance Plug in drive Iless save more By Mar~ Chalon Smith Carinsurance com

Pay-as-you-drive car insu ance can yield big discounts for some drivers but privacy issues worry many Pay-as-youshydrive may be the future of car insurance and a way to save money Thats clearly what insurers are suggesting -- but is it the best coverage for you If youre like most drivers maybe not If you drive a lot at the wrong times of day or are reluctant to give up the Ie t lane many other car-insurance discounts are available No all low-mileage discounts require a pay-as-you-drive (PAYO) device for example But few offer the savings potential that maxed out PAYO plans do The gizmos used by car-insura ce companies promise discounts of as much as 50 hey come in two types- An insurer-supplied device th t plug s into your cars on board diagnostics (OBOII) port nd typically reports your cars mileage speed brakin and hours of operation- A car-manufacturer-designed telematics system such as OnStar or Sync that typically reports only mileage Youll find a roundup of current PAYO offerings at Payer as-you-drive car insurance Who offers whatWhen your insurer rides shotgun With all PAYO plans the easiest path to a huge discount is very low annual mileage In some cases the best rates go to customers who drive less than 2500 miles a year Some programs may req uire that you address how you drive tiol jusf tiorfilucfl Even Progressive a pioneer Tn Trie PA1U market wit~ its much-hyped Snapshot device says people who drive aggressively -- and a lot -- may want to pass Many customers of PAYO programs say braking measurements are the biggest surprise William Parsons a New Yorker who ended up with about a 15 discount after signing up for Snapshot wonders if his premium cut would have been bigger if he hadnt been penalized for hard braking during his test periodlt seemed a little touchy to me the way they regshyistered braking pressures he says Im a careful driver so didnt think I did much intense brakingOne program is aimed specifically at drivers who are turning over a new leaf Safecos Rewind uses PAYO technology to monitor its customers who have racked up minor violations or at-fault accidents and would otherwise face increased rates Will a

Larry Borgen

12953 Eagle Creek Parkway Savage MN 55378

BELFORCmiddot PROPERTYRESTORATION

Tel 9528829495 8008563333

Fax 9528829481 Cell 9524636990 lall) borgenUsbelforcom

2

drivir9 score btcome the new credi t so~Privacy issues are qt the top of the list for the Electroni ri act Information Center which worries how the gather d q tails ultimately could be used Sharon Goot privacy counsel says its very early consumers just dont know all the warns is that information could marketing or in the hands of law enforc~m~ni turning the data into your (driving) the raw data Goot Nissim says disclosing the data to commercial locational data which is very valuable law enforcement may seek out dat~ 1- and insurance companies may be willing to give it tnita R~masastry a professor at the University of Washingtoh $c 001 of Law who has studied PAYO models cautions lhdt hej information sharing if not controlled could even reat h the workplace What if insurers provided employers wit~ yqu profile Would they be less willing to hire someone with ~gl ressive driving habitsThe fact that someone drives ai 10 I te lat night for example may be interpreted by an eml1gtloye a a sign that he is not going to stay awake or alert at lwor I on that he is a late-night partygoer she says

Looking down the road

Insurers insist they protect tl-eir __ and they promine ntly point fo privacy poITC1es I websites Progressive oHers this assurance We data with a third party unless its req~rel insurance policy prevent fraud peliorm researcn with the law We also wont use Snaps ot claim unless you or the registered vehicl4 permissionRamasastry carefully distlcg~ ~r practice from what technology may mpk~ l rea~ible futureWhile Progressive itself whereabouts via GPS or track whether one can surely imagine that other insJ jrs l and implement tools that monitor others - such as for example whether drives or talks on a cell phone and

952-435-3131 952-935-7761 763-424-1698 651-738-8199 763-557-1357 651-636-4676

I II I

7 gotchas of cheap car insurance By Barb fa ~arquand Carinsur nc~com

I You ma thi k a nonstandard policy is a great deal but make sure it r illy I rovides the coverage you expect to have Some insurers firo ise cheap car-insurance rates even if ymrliave a string jf cRj3eding tickets or bad credit How can they do it The an wers are in the fine print of their car-insurance pelicies IBehind a seemingly great bargain could lurk a series of exclu ion and limits that reduce the likelihoob you can file a claim But you cant tell solely by the price they charge ShoPPinf f r affordable insurance isnt like shopping for cheap g s ne insurance companys quote could exclude coverag th t another might include at the same pricelts OK to compfre rices but once you see the prices you have to find out that s covered and whats not covered and make sure youre $mp ring apples to apples says Penny Gusner a Carinsur nc com consumer analyst If youre a low-mileage driver y u rr ight want to look first at what are known as pay-as- u-lJrive plans and consider other common types of car-insu fl nc~ middot diScounts If none of those seemsl like a good fit heres what to watch out for as you explore other options

I 7 fine-print gotchas ~ Preferre or standard car- insurance policies are geared to drivers ith clean or moderately clean driving records and decent redi ratings Nonstandard policies are ~esigned for risky cuiolers who dont qualify for standard or preferred rates S me~ re written speci fi cally for specialty crrs such as a Ferrari or ei restored 57 Chevy Smaller companies that speshycialize in cat$ring to high-risk custome or Cas~i~-2r olsts used to 0jinate the nonstandard market But today many major in ur rs such as Allstate and State tarm sell bo~h standar~an nonstandard policies I

With no sta dard car insurance accounting f9r about a fifth of the priv ie assenger auto insurance markt according to industry na yst Conning amp Co its easy to s~e why insurers want a pice of the action But no insurance qmpany is going to take ron e tra risk without offsetting it either by charging

higher rffies reducing coverage or both t Here ar s ven surprises that might be h ding in cheap nons tan rd policies NO1 0 c )Ierage or reduced coverage fa some drivers Generall a tandard policy covers you the li i ted members of your hoysehbld and friends or relatives you Idt borrow the car occasi01allYJ I But if YOr hy e a risky driver living with you -ja teenage

MN Lie 1

1[-13 Hlt) I j Giertsen Company of MlnnesorailnJ

Restoralion Specialists Si(1ceJl 181 Kwynn Modrynskll Estimator

24- H s Mf is Office Phone V6 -130~ 8385 lOt Ave N Fax f7 3) 5 6 Golden Valley MN 55~27

Toll Free 8 6 -1918 WwwSiertsencocom Cell f7+U) -1 08 kwynnM lgiertsencocom

inn ap lis Milwaukee Chicago Florida

3

boy with a speeding ticket for instance -- a nonstandard policy might require you to exclude him from coverage Standard policies also exclude coverage for drivers -shypeople who use your car with your permission Or they might exclude coverage for permissive drivers under age 25 or 21 In some states insurers can include step-down provisions in their policies Under a step-down provision the liability limits are reduced to state required minimum levels when someone whos not named on the policy drives your car So even if you pay for higher-than-required liability coverage you could have less protection when you let a friend borrow your car than when youre driving NO2 More driving-record checks If youre a preferred driver an insurance company may check your driving record once a year or maybe once every other year Gusner says But if you already have a checkered driving history the insurer might check your driving record every middotsix months before each coverage term begins so it can adjust the premium accordingly No_3 No special benefits Dont count on getting some of the extra goodies advertised by major insurers on TV for their best customers Usually a nonstandard pelicy will come without the perks of a standard policy - no vanishing deductible or accident forshygiveness Gusner says Even those perks arent really free - those customers premiums are higher - but they arent usually an option for the nonstandard customer No4 No coverage for punitive damages If Y0U C3 11 se qr ~cifjAflt ~ld are sUp-d some flQnstandard policies exclude coverage for punitive or exemplary damages That means youd be on the hook for paying those damages if a court sides with the other guy No5 Less coverage for repairs Under collision or comprehensive coverage a standard policy generally pays for the full cost of repairs unless the car is declared a total loss If the car is totaled the policy pays the depreciated value of the car - its market value immediately before it was damaged But some nonstandard policies take d~preciation into account even for repairs Instead of paying the fu ll amount to repair hail damage on an older car for instance the policy would pay only a percentage of the cost based on the vehicles depreciation

Gotchas Continued On Page 4

SelrvlCe Collision Repair Repair amp Replacement

National lifetime Warranties

Excelmlll Customer Experience

- 18888(22272

Homeowners Confused About Insurance Coverage Survey June 17 2013 Many homeowners do not understand w~at exposures are covered under their home insurance pOlif Y according to a new consumer survey More than two in five Americans (41 per~nt) believe that a standard homeowners insurance polic protects against mold damage according to new Insurance uatescom survey This misconception could prove extre ely costly said Laura Adams senior insur nee analyst InsuranceQuotescom Mold remediatio~can cost tens of thousands of dollars Its often not covere by homeowners insurance especially if it was caus d by neglected maintenance such as a leaky pipe ~ The survey also revealed that many homeowners are misinformed regarding personal belonging stolen from a car (73 percent aren1 aware that this type of heft is covered by homeowners insurance) and earthquake damage (51 percent don1 know that this is not coveled by a standard homeowners insurance policy) Two better understood aspects of homebwners insurance are fire damage (90 percent of Ame~icans know that homeowners insurance covers thi s) and lawsuits from an injured visitor (72 percent know this is covered) Just under one-quarter of homeowners insurance policyholders said that they chose their current provider primarily because of a recommendation from someone they trust (22 percent) A similar number (21 percent) said the most important factor was the service they received from their agent Seventeen p8rcent sFlid their derisinn hingerl on getting the lowest price But only 1 percent of homeowners insurance purchasers said a radio or television commercial was the most important factor in their decision The survey was conducted by Princeton Survey Research Associates International (PSRAI) PSRAI obtained telephone interviews with a nationally representative sample of 1003 adults living in the continental United States Telephone interviews were conducted by land line (500) and cell phone (503 including 229 without a land line phone) Interviews were done in English by Princeton Data Source from April 4-7 2013 Statistical results are weighted to correct known demographic discrepancies The margin of sampling error for the complete set of weighted data is plus or minus 37 percentage points

Source lnsuranceQuotescom

~AllAutoGlass MINNEAPOLIS (763) 784-59221 FOREST LAKE (651) 464-2287 ST PAUL (551) 659-2984 ISANTICAMBRidGE (763) 444-0109

BURNSVILLE (9S2) 884-5277 BIG LAKE (763) 262-6464

Gotchas Continued From

NO6 Lower mileage allowed Some policies designed for specialty mileage caps uch as 2000 miles a use the car for everyday driving the allhtrhFJnt er lugh if you avel to car shows Th youjj drive the car and make su re enough mileage to cover it No7 No coverage for pizza delivery Some nonstandard policies exclude damage coverage when the car is business purpose including deliver or pizzas

The bottom line Ask your current agent your customer service representative or ccmpare insurance quotes online whethel nonstandard category - Explain how you plan to use the vehiclj) the car - With the caveats above in mind learn whats covered and whats excludrd to make sure you understand how you need to make a claim

GLASSTC

i

Office 651-633-8300 N 763-Fl-~500 W 612-331-19961 S 952-942-71 33 1 F 6 1-1133-8844

infoglasstodaycom bull wwwglas t id YmiddotT m

Glass Today Inc 2596 Cleveland Avenue N bull Rosevi lle

rJ)ecia muzak --shy1-800-279-0185 - Fax (763) 786-5198 tQ Ch~lter 19 e-specially Prlesilfjenttv~EtLYNlI ~B~ ~P185T1RS- Dahulick for their contribL _ -r ~

wwwallautocom e-mail infoallautocom n months Echo I 4

I I I

DI YOU KNOW Dog bit s cqounted for more than one third of all homeowner claims in 2012 totaling more than 489 million (Insurance

Informat on I situte) All of th 0 ti0nal programs in the new PMP prograhae been around since the 1980s I Discov r C r~ and the United Mileage Explorer visb card both cover administrative fees and down time but not the loss of

value w en i comes to a rental car accident Homeome ~ip fell to its level in 18 years (Census Bureau) A portio of he umbrella premium goes towards legal feis and a defense fund (underwriting)

Billing If you c ~ce an auto or a fire policy that is on a monthly EFT account you need to go in the next business day and verify that

the EFT cc u~t has cancelled If not call the service center and they will take it to completion Upon re ei ing money if you reCeiv$ the message no of payments cannot exceed the no of policies you will need to cu rshy

sor on t I at button and retry ithe tqansaction There is a efbcr within our billing sJfstem that will sometimes allow a NB policy to be issued without money being inputted If you t k credit card payment anltjt that money does not show under payment history but shows $000 under payment

due wa t e [nore business day and that money will show under payment history On line iI a~ment Always enter the account number not the policy number See th~ 0 d inull under the word pay plan This indicates that a change is in progress and will be shown on your

express hjjl ge screen I on a re r~~ fr~m Protector Plus to N=xt Gen If there is escrow and a refund that refund wi ll be mailed to your insured Your Insured e to transfer that money i Foreclosu18 ri a property that has e4crow The refund goes to the financ al institution i There a~rli es when our billing entit~ wi ll be down via the computer but all other entities within Green Screen and Dashboard

are operftlill

I I Bristol If you re 9v ~ policy from EFT exp ct to lose the EFT discount and see a bill mailed to your client for the difference - When

you rein ate a EFT policy a twenty-~olla r fee will apply Once a elY policy is placed on EFT and issued the renewal date and the withdrawal date cannot be changed Only alternashy

tive is to ah e~ the policy and start a hew one Mail rep ~b jed to be checked on ~ daily basis Vehicles u for delivery are ineligible Bristol i nw Ih 41 states I Insuffici ~f lU~ds on that first new bpslness payment The policy IS cancelled and can only be re-wrltten

=~l ~~~~o~ ooogt~r~~ ~mm Go If the y i t In denies a quote a etter will be sent to the consumer stating why Majority of the time its due to

credit sc i1~ There is ri~ gr restriction on mobile bomes Under th felling Fire and the Spedalty Homeowners programs replacement cost coverage will only be offered on dwelling

limits of 10 O~ or more I For thos elling policies that are o~ escrow Only one bill will go to the lienholder prior to the renewal date If the bill IS not

paid by t e r n~wal date a cancellatidn billing will go out 5 days later If you f ii Fff paperwork vs e-mail ) you need to follow up within 48 hour that the documentation has been received and

processe IF rther its best to take th$t first payment vs having the client se d in the payment as this will allow for a quicker setup an ~ ore even monthly paym nt pian On your llpl cyment cost estimator f rm for the dwelling The system is goin to assume that every dwelling has specific feashytures and the emd result may be over r u~der insurance You need to cursor on the diHerent sections and correct as needed

I

More Did You Know Page 6

5

I Did You Know Continued From Page 5

Senior Service Advisor~ Trampoline on the property All Farmers fire polldes require the trampoine to be in a fenc~d in area Better yet is to see the trampoline with its own in-fenced netting with a s~cure lock If you exdude a driver or more on an automobile policy expect to see a surcharge added 10 the HH for each elltclu4leq When Ihal

excluded driver leaves the HH you need to notify a service advisor for removal and credit Canceling an umbrella policy requires signed authorization no exceptions With FA2 MVRs are not always run - Dont be surprised to see that MVR run one year from Ihe date of issue Not all replacement cost featu res wil l be shown in the homeowner renewal mailed to your client They will be ~isplay~d W i ~hin the dwelling

and replacement cost sections of our system Youthful operators can be excluded from a parents policy if they are insured elsewheres Documentation is rejj~red l I 360Value is a continuous question mark When in doubt call a service advisor and ask for clarification and a s7 ce rqtJe t you bypass

a service advisor and create a service request be sure to fi le that so if the same issue arises you now have dc me taliO (supervisor) UL3 and UL4 are eligible roofing discounts Need 10 make sure Ihat this wording is in the documentalion that y ur lien I il Auto household and only the son or daughter qualifies for the affinity discount They will be the only one eligibl fort th~ ffinity discount On that higher cosl trial rewrite from Pro Plus to Next Gen you need to remove that trial app Irom your saved hOnleO[Mgt ersl as the sysshy

tem may go forward Without your knowledge Form number 25-6424 Will provide a fill able proof of auto Insurance Glass buyback now extends to rental and substitute vehicles in aU of Farmers operating territories I Always Check the box no for basic contents coverage under the sewer and drain endorsement as the coverage is gr Bf

Tech If you receive the error message document cannot print check that your printer is still properly conneltFte~ system is

starting to cause connectivity issues Why so many issues with Image Center Its due to all the auto and home updates Dont be surprised to see missing documents come up under your alerts when no documentation is ~edulred its a conshy

tinuous defect

Print the coverage screen and the print vs the normal full size Hit the print ------------__-gt-_

EDEN PHAIHlc DULUTH should self-correct The City Auto Glass UITLE CANADA ROCHESTER Green Screen cannot be hacked BROOKLYN PARK Difference OWATONNA FRIOLEY MANKATO If you see the words policy effective date

We Le In Business to SefVeST CLOUD ALBERT LEA household effective date in the middleThe Intmnce Industry And ClienlHIBBING SAUK CENTRE

quote your only option is to delete and req~ot~trr~nsactions WILLMAR BRAINERD GRAND MARIAS WINONA and access to all entities within the f)~shbobrd

may not always happen or go to completion due to m-anndurlceldl u~dates and[fJfjJ8Jfl3 maintenance issues 111 With the MicrosoftlWindows 8 change coming tclvfaps the end of the year you should

PPG consider putting off that computer nlJrrh~ PROSTARS

going to change 651-552-1000 SOUTH ST PAUL 888-552-4272 116 SO CONCORD EXCH HP continues to be the printer of choice FAX 651 -552-1080 SO 51 PAUL MN

PEARS lohn Fundingsland AUTO Owner

The Ultimate Solution In 7150 Madison Ave W J3P Precise Unibody Correction Paint

Insurance Claim Specialists Golden Valley MN 55427G~ OHice 763-545-1800

Auto I Ho~ I Business 3S Years Of Old Fashioned Personal Service Cell 612-226-7495

Free Loaner Cars Available On Collision Work Fax 952-226-6021 G

MmiddotF 730-600 Sat by Appt jfundingslandglasssourcenet ~ltr1i~

kit10 YearsWhere Experience Equals Quality and Vallie ~~_Sf

t~ ~ ~-r-~

6

I Did You Know Continued From Page 5

Senior Service Advisor~ Trampoline on the property All Farmers fire polldes require the trampoine to be in a fenc~d in area Better yet is to see the trampoline with its own in-fenced netting with a s~cure lock If you exdude a driver or more on an automobile policy expect to see a surcharge added 10 the HH for each elltclu4leq When Ihal

excluded driver leaves the HH you need to notify a service advisor for removal and credit Canceling an umbrella policy requires signed authorization no exceptions With FA2 MVRs are not always run - Dont be surprised to see that MVR run one year from Ihe date of issue Not all replacement cost featu res wil l be shown in the homeowner renewal mailed to your client They will be ~isplay~d W i ~hin the dwelling

and replacement cost sections of our system Youthful operators can be excluded from a parents policy if they are insured elsewheres Documentation is rejj~red l I 360Value is a continuous question mark When in doubt call a service advisor and ask for clarification and a s7 ce rqtJe t you bypass

a service advisor and create a service request be sure to fi le that so if the same issue arises you now have dc me taliO (supervisor) UL3 and UL4 are eligible roofing discounts Need 10 make sure Ihat this wording is in the documentalion that y ur lien I il Auto household and only the son or daughter qualifies for the affinity discount They will be the only one eligibl fort th~ ffinity discount On that higher cosl trial rewrite from Pro Plus to Next Gen you need to remove that trial app Irom your saved hOnleO[Mgt ersl as the sysshy

tem may go forward Without your knowledge Form number 25-6424 Will provide a fill able proof of auto Insurance Glass buyback now extends to rental and substitute vehicles in aU of Farmers operating territories I Always Check the box no for basic contents coverage under the sewer and drain endorsement as the coverage is gr Bf

Tech If you receive the error message document cannot print check that your printer is still properly conneltFte~ system is

starting to cause connectivity issues Why so many issues with Image Center Its due to all the auto and home updates Dont be surprised to see missing documents come up under your alerts when no documentation is ~edulred its a conshy

tinuous defect

Print the coverage screen and the print vs the normal full size Hit the print ------------__-gt-_

EDEN PHAIHlc DULUTH should self-correct The City Auto Glass UITLE CANADA ROCHESTER Green Screen cannot be hacked BROOKLYN PARK Difference OWATONNA FRIOLEY MANKATO If you see the words policy effective date

We Le In Business to SefVeST CLOUD ALBERT LEA household effective date in the middleThe Intmnce Industry And ClienlHIBBING SAUK CENTRE

quote your only option is to delete and req~ot~trr~nsactions WILLMAR BRAINERD GRAND MARIAS WINONA and access to all entities within the f)~shbobrd

may not always happen or go to completion due to m-anndurlceldl u~dates and[fJfjJ8Jfl3 maintenance issues 111 With the MicrosoftlWindows 8 change coming tclvfaps the end of the year you should

PPG consider putting off that computer nlJrrh~ PROSTARS

going to change 651-552-1000 SOUTH ST PAUL 888-552-4272 116 SO CONCORD EXCH HP continues to be the printer of choice FAX 651 -552-1080 SO 51 PAUL MN

PEARS lohn Fundingsland AUTO Owner

The Ultimate Solution In 7150 Madison Ave W J3P Precise Unibody Correction Paint

Insurance Claim Specialists Golden Valley MN 55427G~ OHice 763-545-1800

Auto I Ho~ I Business 3S Years Of Old Fashioned Personal Service Cell 612-226-7495

Free Loaner Cars Available On Collision Work Fax 952-226-6021 G

MmiddotF 730-600 Sat by Appt jfundingslandglasssourcenet ~ltr1i~

kit10 YearsWhere Experience Equals Quality and Vallie ~~_Sf

t~ ~ ~-r-~

6

II Salaries

Fer the Year ndoo December 31 2012 (To b-e filed by March 1)

PART 1middot NTEAAOGATORIES

1 T~e c~ting ins~er rs1 member 01 aglOllp 01 ilcSUlersor other holdil9 ~~ sysem b Yes I X I 11 I I If yes do tho amounts beQwreprcsent 1) telal gr9ssccmpeosahOflpaidoeachlndllldl) l byOlonbehallol jUcompa1IampS hich~epart Ithegoup res I X ) O(2)allocalionDeachsurer Yes I I

D~ any person mile an officer dftiClor Of VUSIH of Ihe repoing Ei~~ feCive~~re~y or ~)dreCdJ during the period cover-ad by this slalemcnl a commission on the trJsi~$ Itansaclions ol tha repol1ing entitiy Yes I I tb I X I

3 E cepl lor retirement pJars jJcnerany appl~ble to itS staHmiddotcmplOyces has lhe reporting enlily any a~(eement witt any parse o1her lhan co~acls th ils agents for Ihe payment 01 commissions wtereby i aglees thalor any service rendered Q( to be rendered that heshe shall I elve directly or indirecfy any salry col1persalion or emolument thai will extend beyond the pened of 12 mcnhs from the dale 01 he a eemeol Yes J NoX]

I PART 2middot OFFldERS AND EMPLOYEES COMPENSATION 2 Annual Com nsation

3 bull 5 6 All Other

Name arid Principal Posi l ()(l Bonus Com-ensation Totalsy I I

J1 trey J RiIcent PrtsdienL Oit Executive Officer __~ 2012 _ 900000 ~957 3i8 __~158 __ _ _ _2213536

~~ frey J ~ai ley resicent Ch lrd Operal in Of f Icer bull _ __ 2011 850000middot ~~ ~8315118 __ _7l412 _ __1558630

~frey J liailey Executive lJic~ Presiderll n _ _ __ _ _2010 __ _bull _ 550000 _ 577 500 __2S314~ _ __ 480642

t Sr an F luchY Chi Clairs Olliw __ __ _ 2012 _ 332500 197741 __122 796 bull ~_ 1~353oi7

I ___ lOl L bull60lt 389 _ __ _ 45238 _1Cil 3Tl

Sr 10 F ~rphy Vic ~ Pltsidtnt _ _ _2010 I120l0 _4869i5 624 562 _ _ _ 1523537

2 Sc II R linOqJ isl Chill Fintnc-ial Ollicer Tm~r _ _ 0 __ _ _bullbullbull 2012__ _ _ ~2 1 250 __ _pound31470 bull _ ___89799 __ _1 lt12 519

$( II R li~ist Vice Prtsidel1l _ ___ ___ bull_ 2011 ~ ~l) OOO _ ~~_SI9On ~_ ___ 170809 middot_middoti middot ~middottC99855

S ItA li tldqJisl l ice Pr~l dtl ~ ____ __ 20Ul ~ 307500 ~ 360000 386 707 __ bull 1134207 r -_ bulla Fr n1( J Ceglar J Genml Couns~ 1 +__ -_ 2012 _ 327500 4l2 378 _ 299082 _ ___ 10589amp)

I Frwlo J CegJu Jr Vcc PrcsldMt +_ 2011 ~ _ ~ 220OOO 397134 _ ~ _ 25907 J~30~1

I k J Ceglar Jr Viee Pmid~nl ~ ~ 2010 315001) 264593 __171417 __ 751OlD

4 Jd G lyhan Chief Financial OtllCfJ I 2012 ~7500 ~ 504 631 _J ll981 974112

R aId Q Llyhlil Vice Pf6iden l Trusurer _S65000

I pound ~ 2(11 _ ~ 350000 ~c~~yen bull _ 40923

Ik ~ld G ))i)~n VlCt Prts lden T(eltsur~r ~ 2010 350000 _ 3086amp2 255570 _ ___ 914262

5 J es L Nut Ing Chief Actuary _ ~ _ ~ _ 2012~ 257300 _ ~ 314B25 48001 _521 026

J ($ L Wlting Vjc~ Pr es ident bullbullbull 2011 2S0 575 ~ 339362 kll61 609 099

J Ia5 L tJtting Vict PrtSident 243950 171860 _ _~ __143442 559252

n bullbullbull_

6 D en E I)ti Secrealy _ 2012 _ J84 55-1 _ _1821~ __ _~ _39 9O W3615

2011 J850i57 _ 11amp 088 _ 19581 31736

1 ~ ~ ---bull - _ _ _ _ 2010 _ 178 911 7 I5EB 873tl 337790

2012_ _ _ ~ _ bull

20lL

_ 2010

~ 2012

201 L

2010

9 _202

2Q~ 1

2010

PART 3middot DIRECTOR COMPENSATION 2 3 4

ccmpehsaion Paid All Other or Deerred lor Compensatlon Paid

N-we and Princi021Posi1ioo Of Qccuoa~on SeIllICe$ as Dim(lcr or Deferred Totals

sect~ - 1 -~ ---L ~

i Pr -- -- -~ ~1I1~liiJ ( 0 United Farmers 0 ~~ _ )AUIWJsect ( ~------ ~y

s _ Agents Association - c J ~ - -~ lLshyIJ ---shy ------ --- FOREVER - - 5200 Willson Rd Suite 314 ~ ~ Edina MN 55424-1GeuroNTS ~5

UFAA National 9785 Mackenzie Suite 104 St Louis MO

53 i 22f15C~_J8 C045

The information included in this ECHO is confidential to UFAA members The ECHO is published for the United Farmers Agents Association - Chapter 17 in Minnesota Chapter 17 The United Farmers Agents Association nd the editor neither assumes ami responsibility for the ccu~acy Qf t~e at1icies or advert isers nor any liability arising frdgtm the teliance upon them Comments suggestipns 1tc should be directed to UFAA 5200 Willson Road Suite 314 Edina MN 55424 Include your name lind p~one number or the letter will be disregarded

-

63123

1111 IP I 1111111 Iii itli Itil i I illi 11 11I ili jill I

President Vice President Secretary Treasurer Past Pr~sident

T 1 ~

II

Chapter 17 Officer~ i

Kim Rich 952-929-8960 f Dale Mettenberg I 7~3Sl9-0676 Bm Bowden 9p2-467-3450 M~ie linski 651 ~52-2522 ~ Fitzgerald 1 7~3-786-9850

5200 WilJ~on Roap gtUite 31 4 bull Edinr IMN 55424 Fax 952922-6568 bull emai l krichL(fakcbm

t

II

sect~ - 1 -~ ---L ~

i Pr -- -- -~ ~1I1~liiJ ( 0 United Farmers 0 ~~ _ )AUIWJsect ( ~------ ~y

s _ Agents Association - c J ~ - -~ lLshyIJ ---shy ------ --- FOREVER - - 5200 Willson Rd Suite 314 ~ ~ Edina MN 55424-1GeuroNTS ~5

UFAA National 9785 Mackenzie Suite 104 St Louis MO

53 i 22f15C~_J8 C045

The information included in this ECHO is confidential to UFAA members The ECHO is published for the United Farmers Agents Association - Chapter 17 in Minnesota Chapter 17 The United Farmers Agents Association nd the editor neither assumes ami responsibility for the ccu~acy Qf t~e at1icies or advert isers nor any liability arising frdgtm the teliance upon them Comments suggestipns 1tc should be directed to UFAA 5200 Willson Road Suite 314 Edina MN 55424 Include your name lind p~one number or the letter will be disregarded

-

63123

1111 IP I 1111111 Iii itli Itil i I illi 11 11I ili jill I

President Vice President Secretary Treasurer Past Pr~sident

T 1 ~

II

Chapter 17 Officer~ i

Kim Rich 952-929-8960 f Dale Mettenberg I 7~3Sl9-0676 Bm Bowden 9p2-467-3450 M~ie linski 651 ~52-2522 ~ Fitzgerald 1 7~3-786-9850

5200 WilJ~on Roap gtUite 31 4 bull Edinr IMN 55424 Fax 952922-6568 bull emai l krichL(fakcbm

t

II