*1.The process of making a plan for your money before it comes in or out of your account is called?(Required.)

*2.Insurance is something you pay a relatively ______________ amount of money for on a regular basis that will buy you coverage for something unexpected and expensive and leaves you responsible for a smaller portion of the total bill.(Required.)

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*3.When you borrow money in the form of a loan, there is an extra fee added onto each payment called ____________.(Required.)

*4.____________  ____________ is a term that helps to explain tax brackets.  The more you earn, the higher the percentage of your income you need to pay the government in taxes.(Required.)

*5.Your ________  __________ is an easy way for banks to quickly determine how reliable you are as a borrower.(Required.)

*6.Credit scores range from ___ on the low end to ___ on the high end.(Required.)

*7.A ______ _______ is a record of all your accounts, monthly payments, and amounts you owe on loans and credit cards.  These reports are maintained by 3 independent agencies called credit bureaus.(Required.)

*8.Student Name:(Required.)

*9.Email Address (all scholarship information will be sent to this email address):(Required.)

*10.Name of Parents:(Required.)

*11.To be eligible for the scholarship, you must have a parent or guardian that works for Citizens Bank Minnesota or Citizens Agency Minnesota full time or part time for at least one year. The name of parent that meets these requirements is:(Required.)

*12.Name of High School you are enrolled at?(Required.)

*13.Essay: Please tell us a little about yourself and your educational plans after high school. (250 - 500 words please)(Required.)