"You know extra funds are available when you need it."
- Funds approved ahead of time, and advanced by phone, email or in person when needed.
- Payments are made automatically.

"You only need to complete loan documents once."
- Funds are readvanceable (you can reborrow the principal you pay off).

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

• Payment frequency
• Variable rate options
• Blended (principal plus interest) or interest-only payment options

"You have the option to make interest-only payments."

"You have an opportunity to receive a better interest rate based on the collateral provided."
- Unsecured
- Cash secured (ie: Terms, GICs, stocks, bonds)
- Mortgage (ie: land, buildings)
- Non-mortgage (ie: vehicle, equipment, livestock)

"You can prepay your loan at any time and save on interest."
- No penalty.

"You are eligible to share in the credit union's profits."
- Eligible for the ProfitShares program.

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

• Life
• Disability
• Critical illness