3. If I am unable to pay the entire Annual Contribution, are payment plans available?
Yes, payment plans are available. But, you must contact AMERIND before October 1st to set up a payment plan for the following coverage term. Contact Mike Jennings, AMERIND CFO, to establish a payment schedule for the following coverage term. We are flexible; however, finance charges are assessed on outstanding balances until payment in full is received at AMERIND. You are also able to pay the entire annual contribution in full at anytime during the length of the payment plan.

4. What happens if payment is not received by AMERIND by January 1st?
Your coverage will lapse until the payment is received by us. Any losses that occur during the lapse may not be paid. Coverage will commence when payment is received. A monthly finance charge will be assessed to your account for each month your payment is delinquent.

5. Will additions or deletions of units during the calendar year affect my annual contribution?
No. During the policy year, your annual contribution will not be adjusted to reflect additions or deletions to your housing inventory. Any changes in housing inventory that occur after January 1 will be reflected in the annual contribution for the following year.

6. Will I be required to submit a list of additions or deletions to my tribal housing inventory?
Yes. We will encourage you to provide information regarding changes in your inventory. By knowing your additions and deletions, we are better able to provide you with quick and equitable claims processing. We maintain a database regarding AMERIND members' units/stock inventory, and the information you provide helps us to ensure the accuracy of the information.

7. Is my annual contribution affected by not updating my Member information in the AMERIND Member Portal?
Yes. The information submitted through the Member Portal enables us to customize the pricing of your coverage and keep accurate inventory records. By not updating your information, you will be withdrawn from the pool. To avoid the withdrawal process, please update your information within the timeframe provided.

8. Is my annual contribution affected by the number of claims I incur each year?
Yes. Frequency of claims rather than severity of claims have an effect on your annual contribution. We are most concerned with the amount of claim activity rather than the dollar amount of the claim. The more claim activity you have, the greater probability there is that you ll have a severe claim. If we control claim activity, we control costs for all AMERIND members.

9. Can I request assistance from AMERIND to help me control claims activity or costs?
AMERIND has and will continue to provide risk management advice, training and assistance to all of our members. Fax your request to the Chief Communications Officer at 1-800-388-7475. As a cost saving measure, we ask you tell us well in advance (at least 30 days) to schedule our visit to your location. Fax your request on company letterhead or send an e-mail request to nharjo@amerind-corp.org.

10. How does AMERIND compare to traditional insurance companies in terms of costs and coverage?
AMERIND provides coverage products that exceed those of private sector insurance companies. Our costs are approximately 5-15% less and we provide full replacement cost instead of capped limits. Our claim process is member oriented as we work for you instead of for profit stock holders as with traditional insurance companies. We are the only continuously owned and operated Native American risk management company providing coverage products exclusive to Indian Country, "Tribes Protecting Tribes" is our motto! "Protecting Tribal Sovereignty, Life and Property on a cost effective basis" is our purpose.

11. Does AMERIND offer coverage for units that have been conveyed?
Yes. AMERIND provides coverage for all types of Indian housing regardless if it is managed by the tribe, IHA, TDHE or owned by a tribal member. For more information on coverage for units owned by tribal members call the AMERIND Risk Services team at: 1 (800) 352-3496 and press Option #2 to reach a Risk Services Representative.