3. Options for 2008 $20,000 at 0% APR for 36 months ($555.56 a month) $25,000 at.75% APR for 48 months ($534.74 a month) $30,000 at 1% APR for 60 months ($520.43 a month)

4. Cow Loan Pre-register Online* Online Registration Site Opens December 4 th Last Day to Register is January 7 th If first visit to the site, click “Join USAA” Enter your information Begin using USAA.com and establish your online ID, password and PIN Once Online ID is complete, click “Got to my USAA” and enter Keyword: Academy Loan Or call (877) 208-0233 *If not pre-registered cadets still can register at the Loan Event itself BUT funding could be delayed up to 48 hours.

5. Foreign Exchange Cadets Call USAA at 877-208-0233 Register on the phone, and be sure to say that you will be a Foreign Exchange Cadet next semester. Loan packet will be express mailed to either PO Box or home address if requested. Sign appropriate documents, send them back to USAA.

6. Attend Loan Event January 23 rd, 0800-2100 (Primary Loan Day) and January 24 th,0800-1700 @ Cullum Hall (probably) Sign for Your Loan!

7. Preregistered Cadets Receive Loan Packet at Entrance Review Loan Requirements-terms, conditions, interest rates, etc with Bank Rep Ask questions of Bank Reps Sign promissory note/check and direct deposit Available events/activities while at the Hotel Thayer –See usaa.com Demo –Talk to rep about Personal Property and Auto Insurance –Make appointment to meet with USAA Investment Reps –Learn about USAA Alliance Services –Eat doughnuts

8. Non–preregistered Cadets* Receive Loan Packet at Entrance Provide Bank Rep info needed to process loan (address, email address, ssn, etc) Decide about overdraft protection with either a USAA credit card or savings account Review Loan Requirements-terms, conditions, interest rates, etc with Bank Rep Ask questions of Bank Reps Sign promissory note/check and direct deposit Optional but available events/activities while in the Thayer Hotel –See usaa.com Demo –Talk to rep about Personal Property and Auto Insurance –Make appointment to see USAA Investment Reps –Learn about USAA Alliance Services –Eat doughnuts *If not pre registered, funding could be delayed up to 48 hours.

9. Key Dates Dec 4th First Day to Register On Line or by Phone Jan 7th Last Day to Register Jan 23-24 Loan Event Jan 23-31 USAA Investment Management Representatives at Hotel Thayer Jan 25th Funds available to cadets