EXPERIENCING LIFE November/December 2018

All of us at Home Federal wish you a safe and joyous holiday season!

JustCallHome.com

EXPERIENCING LIFE November/December 2018

I N T H I S I S S U E :

CHINA TOUROCTOBER 2019

JUBILEE HOLIDAY EVENT

Jubilee Director: Jean JechDirect: 507-535-1231Email: [email protected]

Experiencing Life with Jubilee!November and December will be filled with the holiday spirit for our Jubilee family!

In addition to Baking for our Troops on November 13 (see page 8 of your September October issue if you would like to help), we also have the opportunity to bring smiles locally by Being a Santa to a Senior! (p. 4).

The beauty of holiday lights is always a delight and with our added touches, Jubilee makes our Jolly Trolley Holiday Lights Tour an extra special night for you to enjoy (p. 5). Please call by November 15 to join us.

Tickets for our two holiday matinees, Smokey Mountain Christmas and the musical Annie, have been ordered but we encourage you to join our wait list

Our Jubilee Holiday Event is always a festive gathering and will be especially so with the music of the Rochester Male Chorus and the talented voice of special guest and local television personality, Tom Overlie (p. 3). When reserving space, be sure to tell us which delicious entrée will make your day complete.

Many favorable comments were heard from the more than 80 Jubilee members attending our valuable September Fraud Prevention seminar. Jason Williamson, Home Federal Vice President, Director of Compliance has followed up on his presentation with additional guidance on pages 10 and 11. Please also see page 12 for helpful Home Federal tools described by our Network Engineer of Information Technology Operations, Jon Fritz. Our thanks to both of these individuals for the valuable information they brought us.

As January is our planning month combined with the uncertainty of Minnesota’s winter, we have planned for local events for you to enjoy… the return of our Jubilee hosted Coffee with Friends (p. 5) and the addition of two fun events … heart healthy Cooking with Jubilee and Lunch with Jubilee (p. 6).

Planning for the fun of extended travel is a great escape from the cold of winter. Our American Queen adventure quickly filled but we welcome additions to our wait list in case of cancellations before our December 1 final balance deadline (p. 7). Imagine the beauty of the Pacific Northwest during our June visit (p. 8) or experiencing the fascinating culture of China in 2019 (p. 9)! If China is of interest, please note that air space is currently being reserved to obtain the best flight schedule possible.

Thank you for a wonderful 2018. We’re excited to Experience the Best of Life with Jubilee in 2019 as well!

NOVEMBER3-9 Iceland

13 Baking for the Troops Rochester International Event Center

18 Smokey Mountain Christmas Carol Ordway Theater, St. Paul

DECEMBER2 Annie Rochester Civic Theater

6 Jolly Trolley Holiday Tour Home Federal Savings Bank 1016 Civic Center Drive NW Rochester

12 Jubilee Holiday Celebration Rochester International Event Center

29 Rose Parade departure

JANUARY3 Rose Parade returns

7 Coffee with Jubilee and Friends 2:00 – 4:00 PM Dunn Brothers Coffee 120 Elton Hills Dr. NW, Rochester

24 Cooking with Jubilee HyVee Market Grille 4221 West Circle Dr NW Rochester

FEBRUARY4 Coffee with Jubilee and Friends 2:00 – 4:00 PM Dunn Brothers Coffee 120 Elton Hills Dr. NW, Rochester

19 Lunch with Jubilee 11:30 AM Twigs Tavern and Grille 401 6th St SW, Rochester

EVENT PLANNER

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RESERVATION DEADLINE:

DECEMBER 1

ROCHESTER INTERNATIONAL EVENT CENTER

WEDNESDAY,DECEMBER 12

PRICE:

$38GUESTS: $48

Registration doors open at 11:00 AM

Lunch doors open at noon Entertainment after lunch

As a special holiday gift to you, Enhanced Member Discounts will apply to this local event. Please submit full payment at the time of

reservation. Entrée selection is needed with your

reservation.

The celebration of Jubilee friendships is one of our favorite things during our annual Holiday Event. There’s something special in the air as we dress in our holiday finery, sip our egg nog, visit with friends over a wonderful lunch and enjoy holiday entertainment. Please indicate your entrée selection when making your reservation to join us for this year’s holiday best:

CHICKEN CORDON BLEU Seared breast of chicken topped with ham and melted swiss cheese

with a Dijon cream sauceSTUFFED PORK CHOP Cinnamon roasted pork chop stuffed with an apple sage stuffing topped

with an apple cider demi-glacePETIT N.Y. STRIP STEAK HERB CRUSTED Served with port wine reduction and sautéed oyster mushrooms

Entertainment by The Rochester Male Choruswith special guest Tom Overlie

RESERVATION LINE: 507.535.1234 3

Home Federal is again showing support for Home Instead Senior Care, a local home care agency making the holiday season brighter for seniors in our community. From November 9 – December 14, our Rochester locations will display Christmas trees adorned with ornaments providing gift ideas for seniors who may not receive a holiday gift without your support.

We invite you to “Be a Santa to a Senior” in any of the following ways:

• Select a name off the trees in our Rochester locations for purchase of a gift. Gifts can then be returned to the bank location by December 14 for wrapping and delivery.

• You can donate handmade items to include with the holiday gifts.

• You can help wrap the gifts December 18 – 23. To volunteer call 507-285-1700 or email

[email protected].

Be a Santa to a Senior!

SELECT A NAME OFF THE TREE IN OUR ROCHESTER

LOCATIONS

NOVEMBER 9 TO

DECEMBER 14

Are your children wondering what

to buy you for the holidays?

Have a friend that has everything?

Jubilee gift vouchers can be purchased in any denomination for use towards the registration cost of any Jubilee event. Simply call (or have your children call or email) Jean Jech at 507-535-1231 or

[email protected] to purchase.

Jubilee gift vouchers are the perfect gift!

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Having Coffee with Jubilee and Friends is a great way to reconnect with your Jubilee friends after the craziness of the holidays.

This year we’ll again enjoy the convenience and hospitality of Dunn Brothers Coffee on Elton Hills Dr. (directly across from 125 Live). Your friends are welcome to join you in enjoying the companionship of our Jubilee family during these winter months.

Mark your calendar now for 2:00 PM Monday, January 7 and February 4. Reservations are not required but are appreciated for our planning.

We look forward to seeing you there!

COFFEEwith Jubilee and Friends!

2:00 - 4 :00PM


NONE!COME AS YOU ARE!

LOCATION:DUNN BROTHERS

COFFEE, 120 ELTON HILLS DR. NW

MONDAYS:JANUARY 7FEBRUARY 4

6:00 PM Departure

Join us for the finest of Rochester’s holiday lights on our Jubilee Jolly Trolley Holiday Lights tour. Last year’s exclamations were many as the Rochester Trolley toured us through the most decorated of Rochester’s neighborhoods.

While the tour changes yearly to bring you the best in holiday lights, our two hour Jubilee trolley tour promises to feature “the Best, Most-Lit Up, Elegant, & Creative of Rochester’s Residential Lights Displays! Showcasing “Classical Elegance combined with Kitschy Creativity.” Last year’s tour featured such displays as “Santa’s Workshop”, “The Blue Christmas”, “The Winter Wonderland”’ “Christmas Court”, “Christmas Mountain”, “North & South Pole”, “Christmas Castle” and many others.

Don’t delay as space quickly filled on our 2017 Jubilee holiday trolley. Departure will be at 6:00 PM from Home Federal Savings Bank, 1016 Civic Center Dr. NW, Rochester. As this is a local event, enhanced member discounts do not apply and transportation to our departure point is not included.


NOVEMBER 15

HOLIDAY LIGHTS TOUR

PRICE:

$35GUESTS: $45

THURSDAY,DECEMBER 6

Jolly Trolley


Dunn BrothersCoffee

125 LIVE

Lunch with JubileeRated as #10 out of 218 restaurants in Rochester by over 400 TripAdvisor followers, Twigs Tavern & Grille is the perfect place for our first ever Lunch with Jubilee. On this day you will experience a “Twigs 10 Course Tasting Menu Experience” designed exclusively for Jubilee! Individual petite portions of scrumptious delicacies such as the following will bring mouthwatering delight: • Brazilian Cheese Puffs • Mamo McPeak’s Wild Rice Soup • Cranberry Spinach Salad • Risotto Poppers • Green Bean Frittis • Country Captain Chicken • Fish Tacos • Butternut Squash Ravioli • Tempura Shrimp — With Carrot Cake for your finishing sweet!

Our lunch will be served with your choice of coffee, tea, or soda and includes taxes and gratuities but as this is a local event enhanced member discounts will not apply.

PRICE:

$30GUESTS: $40

TUESDAY, FEBRUARY 19


FEBRUARY 1

TWIGS TAVERN AND GRILLECENTERSTONE PLAZA HOTEL

ROCHESTER

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Cooking together is always fun and doing so to learn healthy cooking tips makes it even better. Join Hy-Vee’s Registered Dietitian for a healthy lunch & learn followed by a healthy meal prep! You will enjoy a healthy vegetable soup in the Market Grille while listening to the dietitian discuss a heart healthy diet. After the lunch & learn, you will prep two healthy soups that you can take home to enjoy. Each soup makes 4-6 servings and you can freeze the soups for up to 3 months.

Your registration fee includes lunch with tax and gratuity along with the presentation and meal preparation of two healthy soups for you to take home to enjoy. As this is a local event, enhanced member discounts do not apply.

PRICE:

$40GUESTS: $50

THURSDAY,JANUARY 24


JANUARY 15

LOCATION:HYVEE MARKET GRILLE,

WEST CIRCLE DRIVE, ROCHESTER

HEART HEALTHY LUNCH & LEARN WITH PREPARATION OF TWO TAKE-HOME SOUPS

COOKINGwith Jubilee

11:00AM 11:30AM

Join us aboard the American Queen!

RESERVATIONS DEADLINE/FINAL BALANCE DUE

DECEMBER 10

PLEASE CONTACT JEAN JECH FOR PRICING AND

RESERVATION DETAILS

MARCH 24 -APRIL 2, 2019

Antebellum South

Space quickly filled for our Antebellum South American Queen program. However we welcome you to place your name on our wait list to join Jubilee in the land of bawdy blues and Southern belles as we explore the beauty of the Lower Mississippi River in springtime! From Memphis to New Orleans, the river rolls slowly and expansively, smooth as a southern drawl. The woodlands and bayous along the shore create dramatic landscapes that are virtually unchanged since the days of the French fur traders. Antebellum mansions resting beside old magnolias and moss-draped oaks look especially beautiful at this time of year as they are framed by blazing azaleas, camellias, crape myrtle, dogwood and flowering jasmines.

As fares vary by cabin, please contact Jean Jech for specific prices and to be placed on our waitlist. Full balance payments are due December 10 for those joining us.

YOUR FARE INCLUDES:• Transportation from Rochester to the Minneapolis airport • Round trip airfare • Pre-cruise package in Memphis, TN as described on flyer • Gratuities for local guides and drivers in Memphis and New Orleans • 7-night cruise in selected accommodations • All meals on board ship including non-alcoholic drinks. Beer & wine

included with dinner service. • 24/7 specialty coffees, teas, soft drinks, bottled water and room service • Shore excursion in each port of call by way of Hop-On Hop-Off tour

bus, daily enrichment provided by resident riverlorians, Broadway-caliber entertainment, bicycles and helmets for use while in port

• All customary shipboard gratuities, port charges, and tour related taxes • Post-cruise package in New Orleans, LA as described on flyer • Bag porterage for one large bag per person • Services of a Home Federal Savings Bank representative • Travel Protection Insurance

7RESERVATION LINE: 507.535.1234

TRIP DATE:

8 DAYSJUNE 17-24

2019

Our June timing provides Jubilee an extra added enhancement of some of the most beautiful scenery in our nation. From “The Emerald City” of Seattle, Washington to the beauty of “The City of Roses” Portland, Oregon, our Pacific Northwest itinerary is filled with nature’s wonder. Our eight day custom itinerary brings us famous volcanic mountains, the Columbia River Gorge, the nation’s second highest waterfall, a historic river cruise, golden beaches on the Pacific Ocean, beautiful rose gardens and vineyards as well. It’s a perfect Pacific Northwest Delight and being there with Jubilee will make it even more so!

PRICE: $3,887 PP DOUBLE

SINGLE: +$975

$500 DEPOSIT WITH RESERVATION -FULLY REFUNDABLE

UNTIL MARCH 1

TOUR HIGHLIGHTS• Pikes Market Place, Seattle• Mt. St. Helens & Mt. Rainier• Seattle Space Needle• Columbia River Gorge Cruise• Ft. Clatsop & Astoria• Boeing Air Museum• Cannon Beach & Tillamook Cheese • Portland International Rose Garden

PROGRAM INCLUSIONS• Roundtrip transfer from/to Rochester and the Minneapolis Airport• Roundtrip Airfare to Seattle and home from Portland • Deluxe Motorcoach transportation throughout tour • Selected accommodation for 7 nights • 6 Dinners/7 Breakfasts/2 Lunches• All attractions, activities and events listed in the itinerary• Bag portage for 1 piece of luggage• All taxes and gratuities for itinerary inclusions, tour manager and

driver• Travel/Cancellation Insurance• Services of Tour Manager and Home Federal representative

throughout trip

DOCUMENTS REQUIRED• Valid Driver’s License or Government issued

photo ID

Pacific Northwest

Delight !

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TRIP DATE:

15 DAYSOCTOBER 7 - 21

2019AIRSPACE NOW BEING RESERVED!To insure the best flights possible, airspace is now being reserved for the 19 members of our Jubilee family who will be traveling to fascinating China. Please don’t delay in making your reservation for this phenomenal tour designed to provide the best possible exposure to China. Having been born and raised in China before attaining US citizenship, our tour organizers, Chris and Ping Lee bring us the unique perspective of China not just as a travel destination, but as their homeland. From its natural beauty to intriguing culture, past and present, this is an opportunity you will cherish:

PLUS YANGTZE RIVER CRUISE

PRICE: $6,297 PP DOUBLE

SINGLE: +$1,470

$500 DEPOSIT DUE WITH RESERVATION - FULLY

REFUNDABLE UNTIL APRIL 1, 2019

TOUR HIGHLIGHTS• Great Wall • Tiananmen Square and Forbidden City • Temple of Heaven & Summer Palace • Hutong Tour & family visit • Peking Duck Dinner • Terracotta Warriors and Horses • Ancient City Wall • Small Wild Goose Pagoda & Xi’an Museum • Tang Dynasty Dinner Show • Giant Pandas • Yangtze River Three Gorges • Master of Fishnet Garden • Boat ride on Ancient Grand Canal • The Bund • The Old Town of Shanghai, Shanghai • Shanghai Museum • Shanghai Acrobatic Show

PROGRAM INCLUSIONS• Roundtrip transfer from/to Rochester and the Minneapolis airport• Roundtrip airfare from Minneapolis, MN • All intra-China flights • 5 Star Deluxe hotels and cruise • Comprehensive sightseeing tours on private deluxe air-conditioned

motor coach• Local guide in each city • 29 meals – Daily (13) western buffet breakfast, 11 lunches, 5 dinners• Group baggage handling (one bag per person) • All taxes and gratuities for included services • Escorted by Chris or Ping Lee (ChinaPlus Owners)• Services of a Home Federal Savings Bank Representative

throughout tour

ADDITIONAL INCLUSIONS• Home Federal has arranged and paid for China visa and Travel

Protection Insurance on behalf of all travelers in our tour. A copy of the Plan Document will be provided to all participants.

China

HHHHH FIVE STAR HOTEL & CRUISE ACCOMMODATIONS HHHHH

A passport valid through April 2020 is needed for this program. Please see our program flyer or the May/June Jubilee issue for full details and program specifics.


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A new federal law that began on September 21, 2018, allows consumers to freeze and unfreeze their credit file for free.

Fraud Alert, Security Freeze, and Credit Report LockWhen it comes to credit, you may hear terms like “fraud alert,” “security freeze,” and “credit report lock.” While each one is designed to help better protect a consumer’s personal information, they do so in different ways. Here’s a closer look at each.

What is a Fraud Alert?A fraud alert is a notice that is placed on your credit report that alerts credit card companies and others who may extend you credit that you may have been a victim of fraud, including identity theft. Think of it as a “red flag” that makes companies take steps to verify your identity before extending credit in your name.

You may contact any of the three nationwide credit bureaus -- Equifax, Experian and TransUnion -- to request a fraud alert. Once you place an alert with one of the bureaus, that bureau will send your request to the other two bureaus.

Fraud alerts can be placed on your credit reports for free, and there are two different types:

• An initial (one-year) fraud alert can be placed if you believe you are or may become a victim of fraud or identity theft. The fraud alert lasts for one year. If you want to keep it active on your credit report, you’ll need to renew it after that time. When you or someone else attempts to open an account in your name or make changes on an existing account, such as increasing

the credit limit, the company must take reasonable steps to confirm you are who you say you are, such as contacting you by phone at a number you provide, before completing the request.

An initial fraud alert also allows you to request a free copy of your credit report each year from the three nationwide credit bureaus, in addition to the one free copy from each credit bureau you’re entitled to under the Fair Credit Reporting Act.

• An extended fraud alert can be placed if you are a victim of fraud or identity theft. It requires a copy of a valid police or law enforcement agency report, or a Federal Trade Commission Identity Theft Report. An extended fraud alert is similar to an initial fraud alert, but lasts for 7 years. With an extended fraud alert, a lender or creditor is required to verify your identity in person or by phone at a number you provide before opening new accounts or making changes to existing accounts.

If you have an extended fraud alert on your credit reports, you are allowed to request two free credit reports each year from the three nationwide credit bureaus (Equifax, Experian and TransUnion). In addition, your name is removed from prescreened credit card or insurance offers for 5 years.

If you are on active military duty and want to help minimize your risk of fraud or identity theft while you are deployed, an active duty alert is available to you. The active duty alert is similar to an initial fraud alert: companies must take reasonable steps to verify your identity before opening new accounts in your name or modifying existing ones.

MORE ON FRAUD PREVENTION FOLLOWING


An active duty alert lasts for 12 months and your name is removed from pre-screened credit card or insurance offers for 2 years.

What is a Security Freeze?A security freeze, also known as a credit freeze, is a tool that can help prevent unauthorized access to your credit reports. Freezes are federally regulated. Once a freeze is placed on one of your credit reports, it prevents access to it by certain third parties, like lenders and creditors you’re requesting new credit from.

This means if you’re applying for credit – buying a car or requesting a loan, for instance – you’ll need to temporarily lift or permanently remove your security freeze to allow a credit check.

Security freezes must be placed on your credit report separately at each nationwide credit bureau (Equifax, Experian and TransUnion). Placing, lifting, and removing a security freeze is free.

Placing a security freeze on your credit report will prevent access to it by certain third parties. Freezing your credit report will not prevent access to your credit report at any other credit reporting agency. How Do I Remove or Lift a Security Freeze on My Credit Reports?To temporarily lift or permanently remove a security freeze on your credit report, you will need to contact the credit bureaus directly.

Equifax: www.equifax.com/personal/credit-report-services Experian: www.experian.com/freeze TransUnion: www.freeze.transunion.com

What is a Credit Report Lock?A credit report lock or credit lock has the same impact on your credit report as a security freeze, but isn’t exactly the same. Credit report locks are mobile app-enabled and allow you to lock and unlock your credit reports using identity verification techniques such as usernames, passwords, and Touch ID or Face ID technology. You must lock your credit report separately at each nationwide credit bureau (Equifax, Experian and TransUnion).

A credit report lock generally prevents access to your credit reports to open new credit accounts. If you want to apply for credit, you must unlock your credit report to allow a credit check.

How do I contact Equifax, Experian and TransUnion?Contact the national credit bureaus to request fraud alerts, security freezes and opt outs from pre screened credit offers.

Equifax Equifax.com/personal/credit-report-services 800-685-1111

Experian Experian.com/help 888-EXPERIAN (888-397-3742)

Transunion TransUnion.com/credit-help 888-909-8872

OUR SEPTEMBER SEMINAR!

You can now turn your Home Federal debit card on, or off, at any time right from your smart phone with the CardValet app! It’s the easiest way to safeguard your card from fraud.

4 Set alerts based on transaction amount, location, or merchant type

4 Control when, where, and how much your family members can spend on their Home Federal debit cards

4 Receive instant notifications when a transaction occurs outside of the current GPS location of your phone

Download CardValet today and bring your banking – and your financial safety – home!

Available on the Apple App Store and on Google Play

Visit JustCallHome.com/CardValet or your Home Federal banker for more details

Using your Home Federal Mastercard® debit card with a mobile wallet is easy, secure, and private. You can pay electronically with your mobile device at many stores, apps, and websites you use every day without ever pulling out your debit card.

What is a Mobile Wallet?A mobile wallet is an app available on your mobile device that is digitally linked to your Home Federal debit card. Mobile wallets can be used to make payments with your mobile device almost anywhere you shop, just look for the contactless payment symbol!

Benefits of Mobile Wallets: • Your actual debit card can stay at home • Quicker Transactions • Improved Transaction Security • Reducing risk of fraud

Visit www. JustCallHome.com/MobileWallets or see your Home Federal banker for full details.

Message and data rates may apply. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

Keep your debit card safe and secure!

Limit your risk of fraud with

Mobile Wallets

ASK YOUR HOME FEDERAL BANKER ABOUT THESE TWO SERVICES REFERRED TO DURING OUR FRAUD PREVENTION SEMINAR:

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BRIGHTEN UP YOUR SAVINGS THIS HOLIDAY SEASON!

A special offer for Jubilee Enhanced Members to get a bonus on your next CD!

• Accurate as of November 1, 2018. • A minimum opening balance of $25,000 is required. • Available on new money deposited with Home Federal. • Gold Level total of $70,000 or more in Home Federal Deposits; Platinum Level – total of $100,000 or more in

Home Federal Deposits; Diamond Level – total of $250,000 or more in Home Federal Deposits. • Penalty may be imposed for early withdrawal. • Offer subject to change without notice. • Member FDIC.• See page 15 of this issue for full details on how to become an enhanced Jubilee Member.

GOLD MEMBERS:

.25%BONUS!

PLATINUM MEMBERS:

.35%BONUS!

DIAMOND MEMBERS:

.50%BONUS!


CLUB POLICIES

PAYMENTS:A deposit of $25 for day trips or $50 for overnight trips is needed within one week of your reservation date for space to be held with full payment requested by the stated reservation deadline. Deposits for extended programs and due dates will be noted in program announcements. Reservations may be “bumped” by reservations secured with deposits. Payments should be made by personal check made payable to Home Federal Jubilee and mailed to Home Federal Jubilee, 1016 Civic Center Dr NW, Rochester, MN 55901 or by Home Federal account transfer by contacting or visiting any Home Federal branch location.

TOUR CONFIRMATIONS OR WAIT LIST STATUS:Reservations should be considered firm unless notification to the contrary is made by Home Federal Jubilee that the event has filled. If an event has filled prior to the receipt of the reservation, the reservation will be placed on a wait list in order of date received. Every effort will be made to provide wait list status as soon as possible. Payments accompanying the reservation will be held in hopes that the reservation clears the wait list. If the reservation does not clear the wait list, the payment will be returned prior to the event travel date.

CANCELLATION:Refunds will be issued for cancellations received in writing prior to the stated reservation deadline. For cancellations due to hospitalization or death of immediate family members, effort will be made to obtain refunds from venues; however, as each have their own cancellation policy, no guarantee of a refund can be insured. Refunds will not be given for cancellations received after reservation deadlines for reasons other than participant hospitalization or immediate family death unless the reservation can be filled from a waiting list. A per person processing fee of $15 for day trip and $50 for overnight travel will be applied to all cancellations filled from waiting lists. Passengers voluntarily leaving a tour can expect no refunds for any unused portion of a tour or unused services.

GUEST POLICY:Home Federal Jubilee welcomes the guests of its members. However, due to the popularity of our events, we must limit guests to one per Jubilee member until it is determined that additional space is available following the reservation deadline date. For some events, guest attendance may not be allowed due to limited space. Attendance fees for guests are noted in event descriptions (generally $10 per day and $50 for regional events). All guests are the responsibility of their sponsoring Home Federal Jubilee member and must adhere to all Club policies. All guests will be asked to sign a Home Federal Jubilee Liability Waiver prior to boarding the motorcoach. All guests must be at least 15 years of age.

HEALTH REQUIREMENTS:Participants registering for Home Federal Jubilee tours, a program administered by Home Federal Savings Bank (“Home Federal Jubilee”) must be physically able to participate in all stated itinerary items. Any person who cannot travel independently and who would need special assistance must be accompanied by a companion who will be able to assist and assume responsibility for this person. Home Federal Jubilee reserves the right to decline participation on any tour in which the

participant’s capabilities are determined by Home Federal Jubilee to not meet the needs of the tour. Neither Home Federal Jubilee personnel nor its suppliers may assist with medications or physically aid participants on the tours. Special dietary requirements must be indicated at the time of the reservation and every effort will be made to accommodate the request; however, no guarantees can be made that venues will be able to accommodate the request.

MOTORCOACH CONDUCT:No seats are reserved on our motor coach tours. Seat rotations are at the discretion of Home Federal Jubilee. All participants must disembark the motorcoach at each organized stop. For the comfort of all participants, the reclining of passenger seats is highly discouraged. No standing is allowed when the motorcoach is in motion with participants encouraged to remain seated unless use of the restroom is absolutely needed.

RESPONSIBILITIES:Home Federal Savings Bank, through its Jubilee program, is merely acting as a liaison to arrange travel services for the program participants and, therefore, assumes no responsibility for and cannot be held liable for any personal injury, property damage or other loss, accident, delay, inconvenience, or irregularity which may be occasioned by actions or omission of you, other participants, third parties, including service providers and other vendors, or any other parties. Although no revisions of promoted itineraries or their included features are anticipated; the right is reserved to make any changes with or without notice that might be deemed necessary. While every effort will be made to conduct programs per the announced itinerary, Home Federal Jubilee is not responsible to any person for expense, loss of time or money, or other circumstances resulting from a change in itinerary or change in tour arrangements. Published times are as accurate as possible but are subject to change due to performance changes, traffic, weather, mechanical or other conditions that prevent the tour from operating normally. Although every effort is made to handle passengers’ luggage as carefully as possible, Home Federal Jubilee cannot be responsible, assume liability, or accept claims for loss of or damage to luggage due to breakage, theft, or wear and tear through hotel or group carrier handling. The liability of carriers for baggage or other property accompanying passengers is limited to their liability as common carriers.

MEDICAL FORMS:For overnight trips, completion of medical and emergency contact information forms will be requested of each traveler. Completed forms will be placed in sealed envelopes and returned to the Home Federal Jubilee representative only to be opened in case of need. The sealed envelopes will be returned to travelers at the completion of the trip.

INCLEMENT WEATHER POLICY:In the event of inclement weather, event participants will be contacted by phone if the event is cancelled. Unfortunately, refunds for inclement weather cancellations are dependent on the venues’ policy to refund Jubilee for the cancellation and cannot be guaranteed.

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CLUB MEMBERSHIP

CLUB BENEFITS

Welcome to the Jubilee Travel Club that offers great opportunities to travel, learn and socialize. It is the most active club in the area, with something for most every interest.

As a member of Jubilee, you have access to:

• Day trips• Regional travel• Extended travel opportunities• Educational gatherings • Social events• Experienced club director

Additional Bank Benefits:• Free paper statements (Jubilee Checking)• ATM/Debit card • Free first year safe deposit box rent for new bank clients• Free box of checks each year• Online Banking & Mobile Banking• Free notary service• Free educational seminars• Bi-monthly magazine• And more!

Plus:

*Deposit accounts consist of Checking, Savings, Money Market and Certificate of Deposit which are all FDIC insured. Member FDIC

At your request we will include balances from your Securities offered through Home Federal Investment Services (HFIS) to meet the Travel Club household benefit requirements. Securities offered through (HFIS) are provided by Cetera Investment Services LLC., member FINRA/SIPC. Cetera is not affiliated with the financial institutions where investment services are offered. Not FDIC/NCUSIF insured; May lose value; Not financial institution guaranteed; Not a deposit; Not Insured by any Federal government agency.


Enhanced Member Discounts do not apply to local events unless otherwise noted.

In addition, you can get ENHANCED BENEFITS when you carry higher balances!

GOLD LEVEL: Total of $70,000 or more in Home Federal Deposit Accounts*:• $10 discount (per household) on each day trip • $25 discount (per household) on each 3-5 day trip• $50 discount (per household) on each 6+ day trip

PLATINUM LEVEL: Total of $100,000 or more in Home Federal Deposit Accounts*:• $15 discount (per household) on each day trip • $35 discount (per household) on each 3-5 day trip• $75 discount (per household) on each 6+ day trip• Annual Platinum Member day event

DIAMOND LEVEL: Total of $250,000 or more in Home Federal Deposit Accounts*:• $25 discount (per household) on each day trip• $50 discount (per household) on each 3-5 day trip• $100 discount (per household) on each 6+ day trip• Annual Diamond Member overnight trip

Take your membership to a higher

level!

BASIC MEMBERSHIP: • Maintain a minimum daily balance of $1,500 or more in a Home Federal Jubilee

Checking Account or• Maintain a Home Federal Interest Advantage Checking Account or• Maintain $10,000 or more in Home Federal Certificates of Deposit (CDs) or qualified Money Market Accounts

If you are age 55 or better, you can become a member when you meet any one of these membership requirements:

RESERVATION REQUEST FORM

RESERVATIONS BY PHONE

Please fill in any information different or not provided from the above address:

Name(s) ______________________________________________________

Address _______________________________________________________

Phone _______________________ Cell phone _______________________

Email _________________________________________________________

Number of reservations _____Member and ______Non-Member

For __________________________________________________________ EVENT NAME

Preferred motorcoach location:

_____ Furniture Superstore, 5150 Hwy 52 North, Rochester _____ Kohl’s - Broadway Commons, 20 25th St SE (Hwy 63/Broadway South), Rochester

HOME FEDERAL 1016 Civic Center Dr. NWRochester, MN 55901

Please provide the following information on our Home Federal Jubilee Reservation Line at 507-535-1234.

• Your name• Number of spaces to reserve• Name of the event• Name of individuals joining you• Your preferred departure location — Furniture Superstore, 5150 Hwy

52 North, Rochester — Kohl’s - Broadway Commons, 20 25th St SE (Hwy 63/

Broadway South), Rochester • Any questions you may have

Please complete the reservation form found to the left and mail it to our Home Federal Jubilee address or leave it with any of our branch personnel.

Due to the magnitude of reservations received, it is not possible for us to send confirmation of reservations, but those placed on wait lists will be notified as soon as possible. Motorcoach departure information will be mailed to attendees approximately two weeks prior to the event.

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RESERVATION LINE: 507.535.1234

RESERVATIONS BY MAIL

Documents

EXPERIENCING LIFE November/December 2018