National Board Certification Loan^® Disclosures

† Upon approval, we will establish your credit line at $3,000 and set your initial variable APR based on creditworthiness. APR will be calculated by adding a margin to the highest U.S. Prime Rate as published in The Wall Street Journal on the last publication day of each month. On 2/28/09, the U.S. Prime Rate applicable using this formula was 3.25% and APR was 7.99%. We may adjust your APR on a monthly basis due to changes to the Prime Rate. We also reserve the right to change your APR, fees, or other credit terms at our discretion. Repayment term and payment amount are estimates which may change if, for example: your APR changes, you make late or partial payments, we assess fees, or you take additional advances. You will pay a 2% transaction fee on each advance (minimum fee $5; there is no maximum). Transaction fee is added to balance and accrues finance charges. Other fees may apply.

This account is issued and administered by FIA Card Services, N.A.

You may request additional advances on this account. For your convenience, each time you re-access your line of credit, we will restart your monthly repayment term and recalculate your monthly payment amount. Borrowing the full amount of your available credit may result in an overlimit fee because fees and finance charges may cause your balance to exceed your credit limit.

The NEA National Board Certification Loan program has been developed for NEA members and their families only. If a member decides not to renew membership, that person and his/her family will no longer be eligible to receive the preferred rates and fees offered through the NEA National Board Certification Loan program. If eligible, a replacement loan may be offered.

The NEA National Board Certification Loan is a federally registered service mark of NEA’s Member Benefits Corporation and is a financial service provided by FIA Card Services, N.A., used pursuant to license.

Absolutely no membership dues are used to market this program.

The NEA is not involved in the credit application process. All applications are subject to a confidential standard review by FIA Card Services, N.A.

The information about the NEA National Board Certification Loan is accurate as of 4/09. The information may have changed after that date. To find out what may have changed, please call 1-866-266-0211.

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