Financial documents enclosed. PRST STANDARD U.S. POSTAGE PAID NATIONAL EDUCATION ASSOCIATION

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1 Financial documents enclosed. PRST STANDARD U.S. POSTAGE PAID NATIONAL EDUCATION ASSOCIATION

2 Jane Sample 123 Any Street AnyTown, USA The All-New NEA Personal Loan Plus Rates as low as 7.74% APR 1 You re pre-approved for the all-new NEA Personal Loan Plus. Help pay off: Dear Sample A. Sample: Managing your budget can be challenging these days, especially if you re juggling lots of revolving debt payments at higher interest rates. Consolidate your debt now, and you could save money on high interest rates. Based on your credit history, you could be eligible for a loan of up to $25,000 with an APR as low as 7.74%. 1 You could replace lots of monthly payments with just one. Plus: Up to $5,000 more may be available to you, on top of the money you need to consolidate debt. You could use it to replace a home appliance, have your car repaired, or pay medical bills just for a few examples. Call to speak with an NEA Personal Loan specialist today. You re pre-approved for a loan amount of up to $25,000, with a minimum debt consolidation requirement of $2,000, depending on your creditworthiness. Terms from 3 to 6 years are available. 2 And if you enroll in Auto Pay when you accept your loan, you ll get a 0.25% discount off your APR. 1 We re here to help you achieve your goals by helping you manage your debt so call for your free consultation now. Sincerely, Revolving debt Plus, help pay for: Large purchases Or Medical bills And more Kathleen Cupolo Manager, Member Service Center P.S. Please take advantage of this valuable offer by <Month XX, 2013>. Call for your free consultation You can choose to stop receiving prescreened offers of credit from this and other companies by calling toll-free See PRESCREEN & OPT-OUT NOTICE on the enclosed Key Information on Your Loan for more information about prescreened offers. Please see IMPORTANT INFORMATION on reverse page. See enclosed Key Information on Your Loan for additional information. Loans are made and serviced by First National Bank of Omaha. LPLUS-0813

3 The NEA Personal Loan Plus scores high with NEA members like you. On a scale of 1 to 5, with 5 being the highest level of satisfaction, here s how members rate their experience with the NEA Personal Loan : LOAN CUSTOMERS GAVE US A RATING OF My NEA Personal Loan helped me pay down higher-interest debt. 4.8 My NEA Personal Loan is priced competitively compared to other financial offers available in the marketplace. 4.1 Applying for my NEA Personal Loan was an easy process. 4.9 My NEA Personal Loan specialist was able to answer all my questions today. 5.0 Call for your free consultation now. The all-new NEA Personal Loan Plus is provided by First National Bank of Omaha chosen by the NEA Member Benefits team for their dedication to providing quality products and superior service. Trusted for more than 150 years, First National Bank of Omaha is part of the largest privately owned banking company in the United States. in cooperation with IMPORTANT INFORMATION 1 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 borrowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan for additional details. Loans are made and serviced by First National Bank of Omaha. NEA Personal Loan and the NEA Member Benefits logo are registered trademarks of NEA s Member Benefits Corporation, and are used by First National Bank of Omaha pursuant to license.

4 Call to accept your loan now. For faster service, please fill out this form and gather your credit card statements before calling. Reserved for: Sample A. Sample 123 Main Street Second Line Address Anytown, USA Priority Number: Available Until: XX-XXX Month XX, 2013 Tell us about yourself: ( ) Phone (area code first) Address* Monthly Housing Payment Own Rent - - / / Social Security Number Date of Birth (mm/dd/yyyy) Mother s Maiden Name (for security purposes) ( ) Employer Work Phone (area code first) Check if U.S. Citizen/Permanent Resident Total Annual Income** Occupation Years *If you provide us with an address, we may use it to contact you about your account or send you information concerning other products or services. **Alimony, child support or separate maintenance income need not be disclosed if you do not wish us to consider them as a basis for repayment. How much of a loan will you need? (estimated monthly loan payments and terms 1 are shown below) $5,000 $10,000 $15,000 $20,000 $25,000 $101 for 60 months $121 for 48 months $156 for 36 months $174 for 72 months $202 for 60 months $243 for 48 months $312 for 36 months Primary use of loan: Debt Consolidation Other $261 for 72 months $302 for 60 months $364 for 48 months $468 for 36 months $348 for 72 months $403 for 60 months $486 for 48 months $435 for 72 months $504 for 60 months $607 for 48 months Estimated payments are for illustrative purposes only and are based on a 7.74% APR for 36 to 72 months. Your APR and loan term will be established when we discuss your specific request with you and will be in the range of 7.99% APR to 14.99% APR depending on your creditworthiness. NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Loan payment amounts will be different for APRs other than 7.74%. Your APR may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan Terms for additional information. Do you have any questions? We want to help you make sure your loan is right for you. That s why we provide a confidential consultation with no cost or obligation. Call to speak with an NEA Personal Loan specialist who will explain your options to you. We can also call you. Your best number: ( ) - Best day: Weekday Saturday Best time of day: AM PM Please read, sign and date. I understand that my loan amount, term, and rate will be set after you have reviewed my financial information. I have read and agree to the Key Information on Your Loan enclosed, including the Loan Terms. I agree to repay the loan in accordance with the Loan Terms. I certify that I am at least 18 years of age and that the information provided is accurate. Customer Signature Date Please see IMPORTANT INFORMATION on the reverse page. Loans are made and serviced by First National Bank of Omaha. PPLUS-0813

5 Questions & Answers about the NEA Personal Loan Plus Q. How much can I get for debt consolidation? A. You re pre-approved for a minimum loan amount of $2,000, up to $25,000, depending on your creditworthiness. You can use the money to consolidate your credit cards and other loans, replacing multiple monthly payments with just one. Convenient terms from 3 to 6 years are available. 2 Q. What APR will I get? A. Your Annual Percentage Rate (APR) could be as low as 7.74%, 1 based on your credit profile and other information. Your APR won t go up as long as you pay on time. Q. How quickly can I consolidate my debts? A. Once your loan is approved, your credit cards and other loans could be consolidated within 10 business days. Q. What if I need extra money for other expenses? A. In addition to consolidating the required minimum of $2,000 in revolving debt, up to $5,000 more may be available to you. You can use it to help pay for large purchases, such as new furniture, appliances, or electronics. It can also help with expenses like medical and dental bills, moving costs and more. Q. Is it possible to pay off my loan early? A. Yes, you can make additional payments at any time. You can also pay off your loan in full any time you choose for even more savings with no pre-payment penalties. Q. What if I change my mind? A. Your satisfaction is guaranteed. You can change your mind and cancel your loan for any reason. Just return the entire amount within the first 45 days, and pay no fees, penalties, or interest. It s that easy. Q. How do I accept? A. Simply call to find out how low your monthly loan payment could be. If you like what you hear, it s easy to accept your loan. You could have the money within 10 business days. in cooperation with IMPORTANT INFORMATION 1 Your APR will be established when we discuss your specific request with you and will be in the range of 7.99% APR to 14.99% APR, depending on your creditworthiness. NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Your APR may increase if you do not make payments on time. See the enclosed Key Information on Your Loan for additional details. 2 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 borrowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan for additional details. Loans are made and serviced by First National Bank of Omaha. NEA Personal Loan and the NEA Member Benefits logo are registered trademarks of NEA s Member Benefits Corporation, and are used by First National Bank of Omaha pursuant to license.

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7 Here s what you could owe after 5 years of payments: $15,000 $15,000 DEBT AMOUNT $13,842 $12,773 $11,786 $10,876 $10,036 DEBT AMOUNT $12,444 $9,683 $6,701 $3,480 1 Year 2 Years 3 Years 4 Years 5 Years $0 1 Year 2 Years 3 Years 4 Years 5 Years Without the NEA Personal Loan Plus 3... $10,036 With the NEA Personal Loan Plus 2,3... $0 Tired of making revolving debt payments every month, but never getting close to a zero balance? Minimum payments aren t enough to step off the treadmill of revolving debt. Just take a look at these charts. They re based on $15,000 in debt but minimum payments can have a similar effect whatever you owe. The NEA Personal Loan Plus is a better solution. To help you consolidate your credit cards and other loans, you re pre-approved for a minimum amount of $2,000 up to $25,000 depending on your credit worthiness. Convenient terms from 3 to 6 years are available 2 Plus, you could save money on interest with a rate as low as 7.74% APR. 1 Once your loan is approved, you ll have access to funds within 10 business days. That means you could start saving fast Plus, you could replace lots of monthly payments with only one. Your finances could get a lot simpler Plus, you could receive up to $5,000 more, in addition to money for debt consolidation. You just have to consolidate at least $2,000 in revolving debt. Turn the page for details Call for your free consultation

8 The NEA Personal Loan Plus Debt consolidation plus up to $5,000 in additional cash Your washing machine breaks. Your daughter needs braces. It s time to buy a new laptop. The Plus in your NEA Personal Loan could give you extra money for expenses like these. Accept your loan now, and when you consolidate at least $2,000 in revolving debt, you could receive up to $5,000 more. Here are just a few ways you could use that extra money: Home appliances Electronics Auto repairs Medical and dental bills A new car Moving costs Call to accept your loan now in cooperation with IMPORTANT INFORMATION 1 Your APR will be established when we discuss your specific request with you and will be in the range of 7.99% APR to 14.99% APR, depending on your creditworthiness. NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up auto matic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Your APR may increase if you do not make payments on time. See enclosed Key Information on Your Loan for additional details. 2 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 borrowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See enclosed Key Information on Your Loan for additional details. 3 This is just an example of the power of this program. Examples based on credit cards with a 15.99% APR and making minimum payments of 2% of balance with beginning balances totaling $15,000. NEA Personal Loan based on 60-month term loan, being enrolled in Auto Pay, 7.74% APR and $15,000 beginning balance. Your savings may be less based on your actual APR, loan terms and whether you are enrolled in Auto Pay. bplus-0813