*The repayment examples may not reflect your specific interest rate and loan amount. Repayment examples assume that you attend an undergraduate school with a four-year program, have a loan with a single disbursement and that the interest rate stays the same over the life of the loan. The deferred and interest-only examples also assume that you have a six-month grace period before beginning repayment of principal and interest. The interest-only example assumes a 240-month repayment term with 4½ years of interest-only payments and 15½ years of principal and interest payments. A Loan Approval Disclosure Form will be provided to you with your loan details after your application is approved.

**Interest rates are variable and may increase after consummation of the loan, but will not exceed the maximum rate allowed by Ohio state law, which is 25%. The rates used in these examples are based on a margin plus the three-month London Interbank Offered Rate (LIBOR) Index and may vary. The rates will be calculated quarterly on the first day of each January, April, July and October by adding a margin to the three-month LIBOR Index published in the “Money Rates” section of *The Wall Street Journal *on the fifteenth day of the month prior to each of the months listed above, rounded to the nearest one-hundredth percent (0.01%). If *The Wall Street Journal* is not published or the three-month LIBOR Index is not given on that date, then the three-month LIBOR Index will be determined by using the immediately preceding publication date. If the Index is no longer available, we will choose a comparable index. Any increase may result in a higher payment amount. Rates may vary depending on the creditworthiness of the borrower and cosigner, if applicable, and other factors.