ࡱ> ~p6|}~}~efghijklmnopqrstuvwxyz{|}~}  !!!!!!!!!!!!!!!!!!! !!!"!#!$!%!-J.K.L.M.N.O.P.Q.R.S.@3A3c4d455{   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Root Entry"Z O2)S|FCONTENTSfg Object 689XYnL -pT$SpT$SContents !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]_`abcdefghijklmnopqrstuvwxyz{|}~es in the early to mid 1800 s brought their cherished biblical beliefs with them. The synod concept was very similar to the cooperative or guild that European craftsmen had used successfully for 500 years before our Synods founding. Craftsmen of a similar trade would form a trade association or guild known today as a cooperative. The silversmiths did silverwork, the coopers made wooden barrels and the ironworkers did blacksmith work. By concentrating their talents and pooling their resources the cooperative made a better life for their families and themselves. The quality of goods and services also increased as the cooperatives set quality and skill standards for their product. The public realized a product built or produced by a trade or craftsmen cooperative was of high quality and workmanship. This in turn increased the business to the cooperative. The craftsmen members of the cooperative would set prices and wages, handle quality control, hire apprentices and journeymen in training and employ those that qualified. Cooperatives also took the concepts of working together toward a common goal with mutual benefits to all of its members beyond goods and services into the area of finance, healthcare and retirement. They pooled their financial resources and set up retirement plans, healthcare, disability funds, death insurance and even their own banks or lending institutions. The results of the pooling of the cooperatives resources was a tremendous benefit as the cooperative (through its strength in membCHNKWKS BTEXTTEXT4:FDPPFDPP>FDPPFDPP@FDPPFDPPBFDPPFDPPDFDPPFDPPFFDPPFDPPHFDPPFDPPJFDPPFDPPLFDPPFDPPNFDPP FDPPPFDPCFDPCRFDPCFDPCTFDPCFDPCVFDPCFDPCXFDPCFDPCZFDPCFDPC\FDPCFDPC^FDPCFDPC`a similar trLutheran Cooperative Network Pastors Concept Packet Contents **** Section 1 LCN Introduction Letter Section 2 LCN Concept Letter Section 3 LCN 5 Year Ministry Cash Flow Projection LCN Organization Chart Section 4 Sample LCN Inserts for Bulletins, Newsletters, Church Member Letter and/or Ministry Mailing Letters Section 5 Vitamins/Nutritional Products Section 6 Whole Food Based Nutritional Products Section 7 Long Distance Telephone Services Section 8 Cellular Telephones Section 9 Medi-Share Health Care Provider Section 10 Cancun Condo Rentals Section 11 Whole In One Golf Clubs Section 12 Wealth Management Services/Financial Planning Section 13 Credit Card (when activated) Section 14 LCN Future Products and Services An exciting way to raise money for your ministry through the bulk purchasing power of LCMS member dollars. These are dollars your members spend on Nutritional Supplements, Long Distance Phone Services, Healthcare, Vacations etc. Not one dollar is being asked in contributions or gifts. A percentage of these dollars come back to LCN as rebates and through computer tracking are passed on to the members Church, District, Synod and other associated RSO s and Lutheran Ministries.  Though one may be overpowered two can defend themselves. A cord of three strands is not quickly broken. Ecclesiastes 4:12 (Section 1) Lutheran Cooperative Network Concept The Lutheran Church Missouri Synod has a long history in the United States with its roots deep in the rich limestone soil of Missouri. Like minded congregations gathered together and formed our Synod. They banded together to work for a common goal and for the mutual benefit of its Members, Churches and Ministry. Our Saxon forefathers who settled in the United Stater incomes pooled toward a common goal) was able to buy other goods and services at a tremendous discount and pass on that savings to its cooperative members. The purchasing power of cooperative member dollars was enhanced due to the bulk purchasing power of the cooperative. All of us at one time or another has seen the wonders of cooperative purchasing power. We buy canned goods at the grocery store in bulk to get a better price per item. We shop at Sam s club or Costco. We get discounts on our insurance if we insure another car on that same policy or have our home insured with the same insurance company that insures our car. AAL / Lutheran Brotherhood now known as Thrivent was similar in concept. They were mutual benefit associations that gave back a portion of their profits to their members in dividends or grants to the member s churches, parochial schools or qualified ministries. The members of AAL / Lutheran Brotherhood belonged to a cooperative founded for the mutual benefit of Lutheran families and ministries. (Section 2) They provided life insurance products and mutual funds to their members and distributed some of these profits to their member churches and ministries in the form of grants. Lutheran Cooperative Network intends to build on the success of our Saxon ancestors. Their cooperatives, Synod formation and mutual benefit associations such as AAL & Lutheran Brotherhood worked well. By using the power of cooperative buying we can deliver a product or service at competitive prices to your home or place of business. We can take the discount received and give 20% rebates back to your Church. This rebate percentage would double to 40% to your Church, District, Synod and other Lutheran Ministries if your church chooses to participate in one or more optional LCN promotional ideas or even has a idea of their own to help LCN spread our ministry concept. Optional LCN promotional ideas are as follows: Your church allows us to use their church membership mailing list simply to send a catalog of vitamins and information of other products LCN now offers Your church will allow us to provide bulletin inserts for your members informing of any rebates your church receives resulting from the purchase of any LCN products by your church members. Your church allows an LCN representative to present a brief introduction of LCN during Sunday School or after a church service. If all Lutherans would pool their resources and buy the same brand of vitamins, use the same long distance service, purchase cellular phones, take vacations at the same selected hotels/resorts, use other LCN products we now offer or, the discounts coming back to our Lutheran Churches and Ministries would be tremendous. This massive inflow of funds could enhance the ministry of the Gospel throughout the USA and the world. And yet& we are not asking you to give a dime to our ministry as a contribution or gift. Lutheran Cooperative Network only asks that you and your family use our products and services and LCN will do the rest. As the Lutheran Cooperative Network grows we will add more products and services to our network. When Lutheran Cooperative Network reaches 2,500 members or families we can issue our own Credit Cards through a cooperating bank. The Credit Cards will carry the Lutheran Cooperative Network name and logo. The Credit Cards will rebate back to the Lutheran Cooperative Network of 1% of all of your purchases! Lutheran Cooperative Network (with computer software) will take that of 1% of your purchase rebates and return a portion of it to your Church. A portion of it will stay with Lutheran Cooperative Network to cover our expenses and some will go to Lutheran Ministries chosen by Lutheran Cooperative Network such as Petra Lutheran Ministries, Lutheran World Relief and more. (Section 2) Lutheran Cooperative Network is a 501 (C) (3) nonprofit and is a family member of Petra Lutheran Ministries and Petra Community Housing Development Corporation. Regardless of what member Church or District gets a rebate from its members purchases some Ministries will always receive a portion of every member purchase. These are core ministries and also include support of staff salaries and expenses for Lutheran Cooperative Network. Our different products will have different rebates: 1. Our Vitamins will rebate 50% of the price 2. Our Juice Plus products rebate is 15% 3. Our Long Distance Service 8%- 12% of the price 4. Our Multi-Vendor Cell Phone Plans rebate is $40.00 (one time amount) 5. Our Health Care Program $100.00 per family signed up 6. Our Condo Rentals rebate is 5% of the price to LCN, plus an additional 5% to members 7. Our Custom Made Golf Clubs rebate is 10% 8 Wealth Management Services/Financial Planning rebate is 10% 9. Our Credit Card (when activated ) will rebate of 1% on a members spending * Lutheran Cooperative Network/Petra Lutheran Ministries/Elderly Housing will receive 38% of all rebates and fees to operate Lutheran Cooperative Network and& to fund affordable housing for the elderly and its associated ministries. * The purchasing member s Church will receive 20%-40% of the rebates depending on their church s willingness to help promote LCN as described above. * The members District will receive from 2.5% - 5% of all rebates and fees depending on its willingness to help LCN as described above. *Our Synod will receive 2.5%-5% of all rebates and fees depending on its willingness to help LCN as described above. *The Church Doctor will receive 1% of all rebates. *PLI will receive 1% of all rebates. * The remaining 10% of the rebates and fees will go to RSO s and associated Lutheran Ministries that are selected by LCN for their financial needs and ministry outreach on a quarterly basis. * There may be some percentage left of rebates due to a member s Church, District or Synod not choosing to participate in one or more optional ideas to aid LCN in our outreach to Lutherans. In that case these left over amounts will go to RSO s and associated Lutheran Ministries selected by LCN. Let s give an example to illustrate how Lutheran Cooperative Network can work for your ministry: John Smith is a member of a LCMS Lutheran Church and really believes in the Lutheran Cooperative Network. He purchased from Lutheran Cooperative (Section 2) Network Vitamins, Long Distance Services and takes a one week vacation at a Condo in Cancun that is a member of the LCN discount network. He spends $100.00 on our Nutritional Supplements and Vitamins He signs up for our Long Distance Service at 3.9 per minute with no monthly fee and spends $50.00 on long distance calls He takes a vacation at a nice Condo in Cancun, Mexico that participates with the LCN discount program and his weekly stay costs him $700.00 for the oceanfront Condo Mr. Smith uses of LCN products, services and a participating vendor allows Lutheran Cooperative Network to receive: A. $ 50.00 Vitamin rebate (50%) B. $ 4.00 Long Distance rebate (8%) C. $ 35.00 Condo rebate (5%) (Note: Mr. Smith also personally receives $35.00) $ 89.00 rebates received by LCN From this $ 89.00: John Smith s Church participates in one or more of our LCN optional promotional ideas (or creates a promotional idea of their own) receives 40% of all rebates John Smith s District participates in one or more of our LCN optional promotional ideas (or creates a promotional idea of their own) receives 5% of all rebates The Synod participates in one or more of our LCN optional promotional ideas (or creates a promotional idea of their own) receives 5% of all rebates LCN /Petra Lutheran Ministries/Elderly Housings receives 38% of all rebates The Church Doctor Ministry receives 1% of all rebates PLI Ministry receives 1% of all rebates LCN gives the final 10% to RSO s and Lutheran Ministries selected by LCN So in summary, John Smith (by using LCN products, services and participating LCN vendors) has given to the Lord s work& $ 35.60 to his Lutheran Church $ 4.45 to his District $ 4.45 to his Synod $ 8.90 to selected RSO s $ 33.82 to LCN / Petra Lutheran Ministries/Elderly Housing $ .89 to The Church Doctor $ .89 to PLI & ..for a total of $89.00. (Section 2) LCN also sends John Smith a tax statement at the end of the year showing him he made an $89 gift to charity and can use this amount to reduce his taxes. Again, if you grasp the LCN concept many goods or services Lutherans purchase can be bought at a discount from participating vendors or service providers. Real estate agents, financial planners, doctors, attorneys, plumbers, etc. can give rebates to LCN members and send the rebates to LCN. It is anticipated in some states where utilities have been deregulated LCN can even sell electricity and natural gas and in effect become your utility company. Gas station companies can give LCN rebates on gas charged on our LCN credit cards. The list and possibilities are endless and within our grasp. The larger LCN becomes the more purchasing power we have with vendors and the greater revenue that can flow to Lutheran Church Ministries. This is what Lutheran Cooperative Network (LCN) is all about& Lutherans with common goals banding together for a mutual benefit.  Though one may be overpowered two can defend themselves. A cord of three strands is not quickly broken. Ecclesiastes 4:12 I invite your church or ministry to come join us today and expand The Gospel with LCN rebates and fees. These dollars are returned to you out of the purchasing power of your members. Remember LCN is not asking for one dollar in gifts or contributions. LCN is only asking for your members to try our products, services and participating vendors that support the cooperative concept of giving to the Gospel. Lutheran Cooperative Network plans to add to its lists of products and services. These new items will rebate a percentage of members purchasing dollars to LCN for ministry distribution. These new products and services will be in the area of : Canadian Pharmacy Prescriptions for seniors at a substantial discount (pending) Senior Home Care Real Estate (buying or selling homes) Mortgage and Home Equity Loans Business Loans Full Service Travel Agency Cruise Ship Vacations Credit Card Service Coupon and Gift Certificates that can be used at major retailers, grocery stores and restaurants Car and Truck Purchases Online Retail Stores Respectfully, Arthur A. Snyder, President Lutheran Cooperative Network (Section 2) Lutheran Cooperative Network 5 Year Ministry Cash Flow Projection LCMS Penetration Rebates Available Item Rates Terms________ $1,250,000 (1) Credit cards 5% $28 per family $576,000 (2) Cellular Phones 1% $64 per family $360,000 (3) Wealth Management Services 1% $40.00 per family and Financial Planning $315,000 (4) Hotel Condo Resort 1% $35 per family $4,500,000 (5) Vitamins/Nutritional Food 5% $100 per family Supplements $720,000 (6) Long Distance Phone service 5% $16 per family $900,000 (7) Health Care 1% $100 per family $8,621,000 Base Programs $1,379,000 Remaining Programs 2.5% $62 per family $10,000,000 Amount available for Ministry on a Yearly Basis $1,000,000.& .for Petra Lutheran Ministries (Elderly housing) 10% $2,800,000.& .to run Lutheran Cooperative Network 30% $4,000,000.& .to Lutheran Churches 40% $ 500,000.& .to Synod 5% $ 500,000.& .to Districts 5% $1,000,000.& .to RSO s and Lutheran Ministries 5% $ 100,000.& .to The Church Doctor 1% $ 100,000.& .to PLI 1% $10,000,000 100% * 900,000 - LCMS Family Units * 1% - 9,000 Family Units * 2.5% - 22,500 Family Units * 5% - 45,000 Family Units (Section 3) Lutheran Cooperative Network Organization Chart 1. 2. 3. Utilities Division Vacation Division Nutritional Supplements Division Phone Service Vacations Vitamin Power Long Distance Cruises Juice Plus Gas / Electric Condos Others Resorts Travel Agency 4. 5. Computer / Accounting Division Health Division LCN Computer Tracking Health Insurance LCN Software Canadian Pharmacy Drugs LCN Accounting Senior Care LCN Benefits (HR) 6. 7. Financial Services Division Retail Division Mortgage Loans Coupon / Gift Certificates Business Loans Vehicle Rebates Real Estate Online Retail store Financial Planning LCN Catalog Store Income Tax Preparation LCN Newsletter Investment Banking LCN Marketing Insurance ( Life, P & C ) LCN Credit Cards LCN Web-Page * All divisions will be run by Vice Presidents (VP S ) - All officers report to the President * There will be a Chief Financial Officer (CFO) that the VP of Accounting Division reports directly to * Their will be a Senior VP of Marketing that all other Divisions report to directly * All Officers will have an Administrative Assistant * All Administrative Assistants report to the Senior VP of Administration as well as their Division VP (Section 3) Lutheran Cooperative Network Partner (Optional Sample Bulletin or Newsletter Insert) Lutheran Cooperative Network rejoices with St. Peter Lutheran Church in our partnership of ministry. Some of your members have used LCN products, services and vendors that have allowed LCN to send checks totaling $15,752.12 through ______(Date)________for your Ministry. LCN is a non-profit cooperative Ministry offering quality goods and services, that when purchased by your members returns a percentage of those dollars spent to your Church and other Lutheran Ministries. LCN has sent out rebate checks totaling $375,412.17 to Lutheran Ministries like yours in (Year). For more information on our Ministry or a copy of our newsletter and catalog call toll free 1-877-224-0438, or order online at www.lutherancoop.com. Thank you for your partnership in The Gospel Ministry. (Section 4) Lutheran Cooperative Network Partner (Optional Sample (1) Church Member Letter) (Using your church letterhead - create a church letter from Pastor or Stewardship Chairman/Board to church members - below is just a sample letter if needed. You may decide to select Sample 2 Church Member Letter to send to your Church Members, which is the next letter after this sample. The choice is entirely up to your Pastor or Stewardship Chairman/Board). Date________________ Dear Fellow Member of (name of church) I hope you will appreciate the enclosed materials from Lutheran Cooperative Network (LCN), a purchasing coop that our congregation recently joined. Our intention is to offer a  no additional cost means of receiving rebate dollars at (name of church) from items purchased by our members through LCN. The enclosed flyer describes current and future products and services that will generate rebate dollars. Our congregation does not endorse any LCN product or service over others available to you in the general market place. We simply want to alert you to rebate opportunities for our congregation from particular items purchased through LCN, if they meet your particular needs. No additional costs or fees are added to what you would normally pay a general retailer. Your Board of Stewardship recommends Lutheran Cooperative Network to you as another way to support the Lord s work at (name of church). We think you will enjoy the possibilities it affords for receiving additional income to benefit our congregation and the church at large. A few dollars here& a few dollars there& dollars adding up! These are dollars that previously had no channel into the Lord s congregation. Please speak to any of us on the Stewardship Board with questions about LCN. Meanwhile, we hope you enjoy browsing the possibilities of membership in Lutheran Cooperative Network. (Signature) (Section 4) Lutheran Cooperative Network Vitamins and Nutritional Products Lutheran Cooperative Network has entered into a partnership as a vendor with Vitamin Power, Inc. offering rebates up to 50% off the price of our Vitamin Power Vitamins and Nutritional Products. Vitamin Power, Inc. has been a trusted company for quality, safety and integrity since 1975.LCN can proudly offer prime-quality Natural Vitamins, Minerals & Food Supplements, Digestive Aids, Weight-Management Formulas, Protein & Amino Acid Supplements, Sports Nutrition, Herbal Supplements, Nutritional Skincare Products and More! Vitamin Power Products are carefully manufactured with the highest-quality nutritional ingredients available and are laboratory-tested to USP standards to assure potency, purity and freshness. Vitamin Power 100% Satisfaction Guarantee Our 100% satisfaction guarantee certifies that every Vitamin Power product is formulated expressly utilizing the finest-quality nutritional ingredients and precisely-manufactured to meet the highest industry standards. Vitamin Power operates within rigid State and Federal regulatory guidelines and each product is laboratory-tested (USP) to ensure potency, purity, and efficacy. No drugs, artificial colors, harmful preservatives or additives are used& only the pure goodness of prime food-source nutrient chemistry, backed by 30 years of innovation, quality and value. If for any reason a Vitamin Power product you purchase does not meet your personal quality standards, simply return it within 30 days for a full refund or credit. (Section5) Lutheran Cooperative Network Whole Food Based Nutritional Products LCN has partnered as a Vendor offering good nutrition for good health with a 15% rebate Unfortunately, most people do not eat nearly enough fruits and vegetables every day. LCN offers through our Vendor a convenient and inexpensive way to add more nutrition from fresh, raw fruits and vegetables to your diet, every day. These products are made from 7 different fruits and 10 different vegetables and grains. These fruits and vegetables are juiced to extract their nutritional essence, then reduced to powdered capsule forms for adults and chewable forms for children. These products are the next best thing to eating fresh, raw fruits and vegetables. Log on to our LCN Website Link to find out more about these products at www.lutherancoop.com Contact us by mail or call Toll Free: 1-877-224-9214 Lutheran Cooperative Network - P.O Box 180 - Michigan City, MS 38647 (Section 6) Lutheran Cooperative Network Long Distance Phone Services -No Monthly Fees Lutheran Cooperative Network offers fantastic Long Distance Service as low as 3.9 per minute for home and business use. Imagine no monthly fees, minimum usage requirements or numbers to dial to hook up. You can talk for about 25 minutes for a dollar. The LCN vendor we use is an established Christian organization and will bill in 6 second increments instead of one minute increments. So your Long Distance dollar goes even further with LCN. In some states we can offer unlimited Internet Dial Up Service for $14.95. LCN can also offer Toll Free Numbers for your home or business. Imagine loved ones on the road or away from home being able to call you at home for only pennies per minute. LCN is in partnership with a Christian Long Distance Phone Service that is dedicated to spreading The Gospel. How exciting that both of us are in business to spread The Good News of the Kingdom s work. Why would anyone want to pay more for their Long Distance Phone Service? LCN can offer savings to you and the knowledge that LCN and our Christian Long Distance Service member are partners in The Gospel. It s easy to sign up for LCN Long Distance Service, initial Internet Dial Up or Toll Free Numbers. LCN even sells Calling Cards available for you to use as you travel. Call us Toll Free at 1-877-224-0438 and sign up for your Lutheran Long Distance Service today. LCN also has our own web page at www.lutherancoop.com with links to our Long Distance Service page. It only takes a few minutes to sign up for great savings for you and rebate dollars for LCN that go to your Church, District, RSO s, and Synod. Every dollar that you spend on LCN phone service rebates back 8%-12% to Lutheran Church Ministries. Join us in this exciting ministry where LCN vendors offer quality goods and services for your use and rebates a portion back to your Church. LCN uses the same phone services that you will be signing up for in just a few minutes. Lutheran Cooperative Network - Independent Agent P.O .Box 180 - Michigan City, MS 38647.& .Toll Free 1-877-224-0438 Fax 1-877-881-0431 www.lutherancoop.com (Section 7) Lutheran Cooperative Network Cellular Phones # These are just small sample of  Wireless Cell Phones available& there are many more for your selections. Please check out our web site for the best rates, phones, and plans guaranteed. www.lutherancoop.com (Section 8) LCN Healthcare Program Medi-Share is affordable and in many cases can cut your family s healthcare cost by 30%-50%. This could save your family or business thousands of dollars per year. Medi-Share was founded on the Biblical principle of God s word found in Ephesians 4:28 which tell us  to share with those in need. It s a very flexible program with multiple choices of program levels, benefits, and of course out-of-pocket expense. You can even choose your own doctors and hospital. In addition to sharing in your medical and healthcare bills Medi-Share staff members actually pray for you and send you letters of encouragement. There are always trained medical professionals available to answer your questions. Medi-Share is an LCN vendor and will give $100 to LCN for every family LCN signs up for its affordable healthcare. Remember this $100 goes back to your Church, District, RSO s, and other Lutheran Ministries. There are some unusual requirements to meet with Medi-Share. You and your family must be involved in the church. Medi-Share wants its members to talk the talk and walk the walk as a Christian witness. Medi-Share has been acting as a Christian ministry since 1993. Medi-Share doesn t share in all costs. All members vote on a yearly basis what to cover. Routine physicals and health maintenance costs are currently not eligible for sharing. Also, vision, dental and certain other medical services spelled out in your information packet are also not eligible. However, with the tremendous savings families and businesses receive from Medi-Share; they can budget for ineligible healthcare items. Even after budgeting for those items, the average Medi-Share members healthcare cost is significantly lower than the USA national average. If you don t need that budgeted amount, it s yours to spend as you please on other items in your budget. Medi-Share spends about 15% of every dollar on processing and administration of your healthcare. The remaining 85% of your healthcare dollar goes directly to your wellness needs. Their 250 program, as of this writing, is $145 per month for a single individual and up to $346 for a family of three or more. Call LCN today at 1-877-224-0438 or visit online at www.medi-share.org so we can help you get your healthcare costs under control with our LCN vendor Medi-Share. Remember, you MUST call LCN for your church to receive a portion of that $100 rebate before you sign up with Medi-Share. For More Information call us Toll Free: 1-877-224-0438 LUTHERAN COOPERATIVE NETWORK P.O. Box 180 Michigan City, MS 38647 (Section 9) Lutheran Cooperative Network Solymar Cancun Condos LCN has entered into a partnership with Lutheran owners of Oceanfront Condos in Cancun, Mexico. This is a great laid back resort with personality! Solymar is one hotel and condo association that doesn t let  Spring Breakers attend. The crowd is middle age to retired with the majority being Canadian or US citizens. The grounds are immaculate with coconut palms and numerous garden areas. The staff is friendly. Your waiter or waitress for your stay becomes a welcome smile at breakfast, lunch and dinner. Meals can be buffet or individual items cooked to your order. A meal card can be purchased for guests allowing a substantial discount on your meals and beverages for a set daily fee. The pools are clean and refreshing with a pool bar with seating in the pool or outside the pool. There is also a huge, funky bar down on the beach as well as one off the resort lobby. Palapas provide shade on the beach with its cool, soft limestone sugar sand to dig your toes into. The water is crystal clear, sometimes blue& sometimes green and indescribable! You can swim, bodysurf, or enjoy water sports for an extra fee to the beach vendors. Walk in the surf or snorkel in the calmer Club Med lagoon a brisk walk away from Solymar. You can play tennis at the Solymar tennis courts if you need a break from the pools, sand, ocean, and surf. The staff can arrange sightseeing trips to other parts of the Mayan Riviera from exploring ancient ruins to duty free shopping. A small store within the resort can supply you with basic necessities. When the Lutheran condo owners have no vacancy, the condo association the Lutheran owners belong to offer their units to LCN for rent. Both the LCN Lutheran condo owners and the Solymar Condo Association gives LCN a 10% discount for providing them renters. This rebate flows back to LCN for distribution to your Church, District, Synod and RSO. However, in the event a rebate comes to LCN from a Lutheran owner of the condo you rent, 50% goes to LCN and 50% comes back to you. In the event you rent the condo from the Solymar Condo Association and not a Lutheran condo owner the 10% rebate comes back to LCN to be distributed to your Church, District, Synod, RSO, and other Lutheran Ministries. Remember to call LCN Toll Free at 1-877-224-0438 so we can make sure you and/or your Lutheran Ministries gets the rebate. LCN will do all the scheduling for your Cancun Condo in conjunction with the Lutheran condo owners and or Solymar Condo Association. Look at the Solymar resort online at www.cancunresortcondos.com. The prices and amenities are listed. Remember, you MUST schedule through LCN to get the rebate. LCN prices are the same as the condo owners charge but LCN gets the Ministry rebate. (Section 10) It s the hope of LCN that more Lutheran investors will purchase condos, hotels and resorts here in Cancun and in the USA for rental to Lutherans. One of our goals is to own a hotel in the USA large enough for LCEF and Synod conventions to be held. As LCN grows, it is anticipated we will increase our choices of hotel and resort locations as well as the number of units owned by Lutheran investors. LCN has a Lutheran real estate syndication vendor skilled in offshore property rental and management as well as excellent performance in the US market. So bring the suntan lotion and beach towel& because Solymar means Sun and Sea in Spanish. Hasta Luego! All of our condos have 2 double beds, private bathrooms, and showers and sleeps up to 4 people with A/C, phone, cable and parking. You are assured a comfortable stay. (Section 10) (Section 11) Lutheran Cooperative Network Wealth Management Services/Financial Planning Rebate from Vendor ***10% Rebate*** Stjarna Rorsman LTD, our Vendor, will provide a custom financial plan consisting of a written evaluation and analysis of the information provided by the Client regarding the Client s financial goals, objectives, and current situations. Stjarna Rorsman LTD will provide to the Client specific recommendations which may include, but may not be limited to the following: Tax Planning Risk Management Investments Insurance Educational Planning Employee Benefits Estate Planning Cash Flow Analysis Financing Options Charitable Donations Tax Preparation Corporate or Business Coordination with personal situations For More Information contact us Toll Free: 1-877-224-0438 LUTHERAN COOPERATIVE NETWORK P.O. Box 180 Michigan City, MS 38647 www.lutherancoop.com (Section 12) LCN Wealth Management and Financial Description of Services Offered Through LCN Vendor Stjarna Rorsman LTD Tax Services Expertise in corporate, individual and private by the gospel issues. Enrolled agent...authorized to practice before the IRS and enter into offers of compromise between a client and the IRS in tax disputes and audits. Advanced tax saving techniques and knowledge of tax shelter, retirement plans and little understood legal deductions. Personal and Financial Business Planning Customized plans to fit your individual goals, objectives and financial personality. Day to day management of your plans available or in an advisory role only. Provide a total financial blueprint to realize your objectives. Expertise in tax reduction, investment management, retirement planning, business formation and corporate advisor role. Private Banking Private and discreet investment of your assets onshore or offshore. Handling all your financial needs such as investment management, health insurance, life insurance, property and casualty insurance, retirement benefits, private annuities, estate planning, trust management and property management. Our company manages all this for you so you can concentrate on the important things in life; your family, business, retirement or just relaxing and enjoying life. Trusts and Estate Planning Trust management of family assets to assist family members with day to day expenses and income, or a stay in an assisted care or nursing home facility. Trust management of assets for minors or beneficiaries with spendthrift conditions needing professional supervision or management. Preparation of estate planning documents designed to avoid payment of death taxes, probate and the unnecessary delay of the transfer of your assets to your named beneficiaries. Advanced estate planning techniques for asset protection in the event of a lawsuit or judgment rendered against your or a family member. (Section 12) Real Estate Syndication Using investor equity and conventional financing to construct, purchase and/or rehab apartment complexes for elderly, multi-family or vacation resort condos. Real Estate Management Expertise in real estate management of high rise projects, scattered sites and vacation condos. Onsite management by skilled professionals under our control and/or guidance. Regular visits of site and projects to ensure project future and comfort. Experienced and certified with HUD. Offshore Investment Management and Trusts The ultimate in Asset Protection, Tax Savings and Estate Planning. You can have your assets legally offshore, but investing in US stock companies, US treasuries, your local bank's CDs and local real estate so there is no "location" risk; or you can invest in opportunities outside of the USA using legal techniques to defer, eliminate or reduce your taxes during your lifetime and at your death. Offshore trusts and IBC s (International Business Corporations) can accomplish so much in conjunction with a family limited partnership. This is a complicated "beast" of the financial and tax area, but it is manageable, very cost effective and it works! Stjarna Rorsman will guide you through the Offshore market for investments, trust management, tax avoidance and asset protection. Remember, tax avoidance is not illegal. It is using the IRS tax code with offshore countries with treaties or agreements with the USA on taxes, judgment awards and estate planning issues. Offshore Real Estate Investments Asset protection, estate planning, diversification of assets and above average yields can be realized with participation in ownership of offshore real estate within a single unit or as a member of a group owning multiple units in a resort or hotel. Tax advantages can be realized if additional steps are taken through legal means to defer income and capital gain. Onsite management, excellent rental histories and great locations make the properties a good investments choice. The thrill of vacationing at your own property or recommending it to your friends cannot be understated. These are sound financial investments in well known world class vacation resort destinations. (Section 12) Lutheran Cooperative Network Credit Card Services (When Activated) As Lutheran Cooperative Network (LCN) grows and reaches 2,500 members or families we will issue our own Credit Cards through a cooperating bank. The Credit Cards will carry the Lutheran Cooperative Network name and logo. The Credit Cards will rebate back to the Lutheran Cooperative Network of 1% of all your purchases! Lutheran Cooperative Network will take that of 1% of your purchase rebates and apply a portion of it to your Church, District and Synod. (Section 13) Lutheran Cooperative Network Future Products and Services *Canadian Pharmacy Prescriptions (pending for Seniors at a substantial discount) *Senior Home Care * Real Estate (buying and selling houses) *Mortgage and Home Equity Loans *Business Loans *Full Service Travel Agency *Cruise Ship Vacations *LCN Credit Card (when activated) *Coupons and Gift Certificates (for use at major retailers, grocery stores, & restaurants) *Car and Truck Purchases *Online Retail Stores (Section 14) Select a calling plan that best suits your wireless lifestyle and meets your budget requirements. Select from the carriers that scored the best on J.D. Power Customer Care and Service Plan Options ratings for your area. Digital sound, color display, camera, internet-capable, Bluetooth, Palm, Handspring, or Pocket PC... Choose the features you want most. Motorola T721 $30 cash back! LG VX6000 Camera Phone $59.99 after rebate! Blackberry 6710 FREE with $50 cash back! Motorola i710 FREE after rebate! Motorola V400 Camera Phone $49.99 after rebate! Samsung VM-A680 Video Phone $149.99 after rebates! Remember to call LCN Toll Free so we can make sure you and your Lutheran Ministries gets the 10% Rebate. Toll Free: 1-877-224-0438 Lutheran Cooperative Network P.O. Box 180 Michigan City, MS 38647 www.lutherancoop.com Whole-in-One The fullness of God is in Christ Jesus, and you are complete (whole) in Him. Colossians 2:9-10  Wholeness Is Found In Christ Custom Built Golf Clubs for the swing of a lifetime. Contact us with questions about our products or services. E-mail Whole-in-One Golf What makes our clubs better? Shaft Puring (spine aligning) Frequency Matching Swing Weighting All golf clubs manufactured by Whole-in-One Golf with steel shafts undergo the above three processes. (Graphite shafts are spine aligned at your request at no extra cost.) It takes more time but your golf game should not be short changed. You can't purchase golf clubs off the rack, regardless of the name or price, and get this quality. Callaway, Taylor Made, Titleist, Ping, Cobra, Mizuno, Cleveland, none of them Spine Align, frequency match and swing weight all of their clubs because it is too time consuming. Whole-in-One Golf has been selected as a Charter Dealer for Fujikura Composites. . Because of the consistent quality and performance, Fujikura products are the overwhelming choice of the best players in the world. Ernie Els, Stuart Appleby & Mike Wier all use Fujikura shafts. Now you can play what the pro play. Whole-in-One Golf is proud to be a KZG dealer and to offer you the best golf clubs money can buy WHAT IS MEDI-SHARE? Medi-Share is an exciting non-insurance healthcare alternative bringing together healthy, caring Christians to share medical costs, saving families thousands of dollars each year. And it works! Over the past decade, Medi-Share Members have shared over $100,000,000 in healthcare costs! Medi-Share is Affordable! Cut your family's healthcare costs in half through this non-profit Christian Ministry! Most families save more than $2,000 a year! Medi-Share is Biblical! Christians look to Medi-Share as a way to reclaim this biblical mandate to care and provide for their brothers and sisters in Christ. Now you don t have to pay high prices, deal with frustrating insurance bureaucracies, or subsidize the ungodly lifestyles of non-believers. MEDI-SHARE MEMBERS WILL BE THERE TO PRAY, CARE...AND TO SHARE YOUR EXPENSES! holeness Is Found In Christ Custom Built Golf Clubs for the swing of a lifetime. Contact us with questions about our products or services. E-mail Whole-in-One Golf What makes our clubs better? 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