THE WINNING COMBINATION ^® Benefits Policy

THE WINNING COMBINATION ^® represents borrower benefits offered by National Education.

New National Education loans are eligible for the THE WINNING COMBINATION ^® benefits. Eligibility for prior National Education loans is based on the date of the first disbursement. Interest rate reductions and other benefits terminate upon delinquency or default. You must continue to make your monthly payments by the scheduled payment due date to retain the applicable benefit. All benefits will be void when the account is 15 days past due. Prepayments will not accelerate the effective date of a benefit.

You must continue to have your payments automatically withdrawn from a designated bank account to retain the .25% interest rate reduction benefit for automatic payments.

We reserve the right to modify or discontinue benefits programs at any time without notice. Program changes will not affect loans that were eligible for benefits prior to the time of the change. Benefits associated with your loan will not transfer if the loan is consolidated.

Borrower Benefits may vary depending on your actual disbursement date. Contact us for more information regarding eligibility.