*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 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.)