The following items are considered ancillary products and are available to most Educators Mutual members. Contact Educators Mutual if you are unsure whether your employer has made these products available to you.

UTAH INTERLOCAL EDUCATIONAL BENEFIT TRUST (UIEBT) 401(k)

Employees of adopting member school districts may contribute to the UIEBT 401(k), before taxes, through the payroll deduction program. You may have the district contribute its 1.5% to UIEBT 401(k) or the state 401(k). To have the 1.5% routed to UIEBT, you must submit an enrollment form within ten days of your initial date of hire or before January first of any given year. Investing with pre-tax dollars makes it possible to defer taxes, and the earnings, until you start receiving the benefits.

FLEXIBLE SPENDING ACCOUNT (FSA)

FSA, also known as a Section 125 Cafeteria Plan, is a program that allows you to deduct a portion of your salary before taxes, thereby increasing your yearly spendable income. This election is made every year on the date set by your employer. If the portion you are eligible to deduct is greater than $100 for any given plan year, then it would be worthwhile to read the FSA booklet, which is available at your Human Resource Department, or call Educators Mutual's Flexible Spending Department.

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TERM INSURANCE

Enjoy the security of Educators Mutual Supplemental Term Life Insurance!

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LIBERTY MUTUAL INSURANCE COMPANY

Liberty Mutual provides insurance coverage for auto, homeowners and renters' insurance at special discounted group rates. The phone number to arrange for a free quote from Liberty Mutual is 1-800-365-2004 ex. 203.
> www.libertymutual.com.

ACCIDENTAL DEATH AND DISMEMBERMENT

Members of Educators Mutual education groups receive a $5,000 benefit at no cost. You may add to the "free coverage" for a very small cost. The increased coverage does not require a physical exam and you cannot be turned down.