Member's Choice ^® Term Life and Disability

Member's Choice ^® term life and disability coverage - Reach for the stuff dreams are made of, and be protected from the stuff they're not.

You have dreams for you and your family - a happy retirement, college plans, a new car. But have you considered how you would make your family's dreams come true if you were to become disabled or pass away? And how would you or your family cover financial obligations - such as making loan payments - if these unfortunate events were to occur?

There are two easily obtainable, flexible methods of protection for you and your family - Member's Choice ^® term life and disability coverage. Member's Choice ^® term life reduces or pays off your covered loan balance should you die before paying it off. Member's Choice ^® disability makes your monthly loan payment should you become disabled due to a covered illness or injury.

Every covered member pays the same low group rate with Member's Choice ^® disability and term life. You only buy enough protection to cover your loan balance. Tying your coverage directly to your loan means that you'll have exactly the right amount of protection - no more, no less. Other benefits include:

• Automatic eligibility for most borrowers, at time the loan is funded.
• Simple enrollment.
• No medical screening.
• Immediate coverage.
• Premium included in your payment.

You can count on Member's Choice ^® term life and disability to step in when you and your family need help the most. And that means you can count on your dreams to go on and on - even when your income does not.

For more information, including details about exclusions and limitations, ask your loan officer about Member's Choice ^® term life and disability protection.