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EDUCATE 42 | | Fall 2017 L I N E O F C R E D I T This is a pre-approved, open-end revolving loan, and it's available with a variable interest rate. Pay- ment amounts are based on a fi ve-year payoff and are calculated from the date of the last advance. Minimum required monthly payment is $22 per $1,000 outstanding loan balance. P E R S O N A L LO A N When you know what you need and when you need it, this is a loan established for a pre- determined period of time with specifi c loan payments. The rate is fi xed for the term of the loan and maximum term is 60 months.* S H A R E - S E C U R E D LO A N Obtain a loan at an attractive rate using the funds in your Savings Account (excluding your IRA) as collateral. S H A R E C E R T I F I C AT E LO A N Use the money in your Share Certifi cate (excluding your IRA) as security. The rate is fi xed for the term of the loan. The maximum term cannot exceed the certifi cate's maturity date. E X T R A P R OT E C T I O N F O R Y O U R FA M I LY Ask about voluntary Credit Life and Credit Disability Insurance. It's available on most American Airlines Credit Union loans up to $100,000 and can cover your loan payments in cases of death or disability. * Example: 60 monthly payments of $27.83 per $1,000 borrowed. E D U C AT I O N L I N E O F C R E D I T Invest in the future with an open-end, variable- rate Education Line of Credit Loan for private school, college or trade school expenses. We give you options that help you manage tuition, books, board — all the expenses of secondary or private school, college and trade school. Personal Loans Visit us online at AACreditUnion.org or call (800) 533-0035 for more information. If you want to reduce your debt or you're simply concerned about the amount of debt you're carrying, our Credit Counselors can help. Working together, we can fi nd a better, easier way for you to avoid fi nancial diffi culties and become debt free. G E T STA R T E D To apply, talk to us in person, by phone or email at crediteducation@AACreditUnion.org. Your coun- seling will begin with a private, confi dential meet- ing with a professional counselor. At this meeting, you and your counselor will evaluate your debts, spending patterns and goals. You'll then work out a realistic budget for household expenses. T H E C R E D I T E D U C AT I O N D E PA R TM E N T A G R E E M E N T You'll also sign an agreement that authorizes us to pull your credit report and review it with you. This isn't investment advice. It's a way to achieve your goal of fi nancial independence. Credit Education ' Live Chat Representatives are available to answer your questions online using our LivePerson Chat feature. Representatives are available Monday through Saturday from 8 a.m. to 5 p.m. CT.