"You make interest-only payments."
- Interest-only payments until graduation or termination of studies.
- Lower rates available while attending school.

"You can arrange a repayment schedule that suits you life."
- Six months interest-only payments post-graduation with repayment plans up to 10 years.
- Variable rate available post-graduation or termination of studies.

"You have peace of mind knowing you have funds available for your education."
- Up to $10,000 annually to a maximum of $80,000 overall.
- Annual withdrawals up to $10,000. If you only use a portion, the remaining amount is available for future years.
- An education loan could be used to supplement a government student loan, if additional funds are needed.

"You can protect your assets."
- Loan payment protection available:

• Life
• Disability
• Critical Illness

"You only need to complete loan documents once."
- Readvanceable (funds can be reborrowed once principle is paid back).
- Funds advanced by phone, email or in person.

"You have many options to meet your needs."
- A Variety of Repayment Options, including:

• Payment frequency
• Length and term of loan
• Automatic transfers or self-service payments

"You can make lump sum payments to your loan at any time and save on interest."
- No penalty

"You may share in the credit union's profits."
- ProfitShares program