PRST STANDARD U.S. POSTAGE

PAIDNATIONAL EDUCATION

ASSOCIATION

900 CLOPPER ROAD, SUITE 300, GAITHERSBURG, MD 20878-1356

Financial documents enclosed.

EPLUS-0813

You’re pre-approved for the all-new NEA Personal Loan® Plus.

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1.888.567.8688. See PRESCREEN & OPT-OUT NOTICE on the enclosed

Key Information on Your Loan for more information about prescreened offers.

The All-New NEA Personal Loan Plus

7.74% APR1

Help pay off:

Revolvingdebt

Call 1.888.800.9556for your free consultation

Rates as low as

LPLUS-0813

Plus, help pay for:

Large purchases

Medical bills

And more

Or

Please see IMPORTANT INFORMATION on reverse page. See enclosed Key Information on Your Loan for additional information. Loans are made and serviced by First National Bank of Omaha.

Managing your budget can be challenging these days, especially if you’re juggling lots of revolving debt payments at higher interest rates.

Consolidate your debt now, and you could save money on high interest rates.Based on your credit history, you could be eligible for a loan of up to $25,000 with an APR as low as 7.74%.1 You could replace lots of monthly payments with just one.

Plus: Up to $5,000 more may be available to you, on top of the money you need to consolidate debt.

You could use it to replace a home appliance, have your car repaired, or pay medical bills—just for a few examples.

Call 1.888.800.9556 to speak with an NEA Personal Loan specialist today. You’re pre-approved for a loan amount of up to $25,000, with a minimum debt consolidation requirement of $2,000, depending on your creditworthiness. Terms from 3 to 6 years are available.2 And if you enroll in Auto Pay when you accept your loan, you’ll get a 0.25% discount off your APR.1 We’re here to help you achieve your goals by helping you manage your debt—so call for your free consultation now.

Sincerely,

Kathleen CupoloManager, Member Service Center

P.S.

Call 1.888.800.9556 to accept your loan now.For faster service, please fill out this form and gather your credit card statements before calling.

Please see IMPORTANT INFORMATION on the reverse page. Loans are made and serviced by First National Bank of Omaha.

Priority Number:

Available Until:

Reserved for:

We can also call you.Your best number: ( _________ ) __________ - _______________Best day: □ Weekday □ SaturdayBest time of day: □ AM □ PM

Do you have any questions?We want to help you make sure your loan is right for you. That’s why we provide a confidential consultation with no cost or obligation. Call 1.888.800.9556 to speak with an NEA Personal Loan® specialist who will explain your options to you.

Please read, sign and date.I understand that my loan amount, term, and rate will be set after you have reviewed my financial information. I have read and agree to the Key Information on Your Loan enclosed, including the Loan Terms. I agree to repay the loan in accordance with the Loan Terms. I certify that I am at least 18 years of age and that the information provided is accurate.

Tell us about yourself:

( _________ ) _____________________________________________________ __________________________________________________________ ___________________________________________Phone (area code first) Email Address* Monthly Housing Payment

___________ - ________ - ___________ __________ / __________ / ________________ _______________________________________________________________________________Social Security Number Date of Birth (mm/dd/yyyy) Mother’s Maiden Name (for security purposes)

___________________________________________________________________________ ( ___________ ) ____________________________________Employer Work Phone (area code first)

________________________________________________________________ __________________________________________________________________________ ____________________________________________Total Annual Income** Occupation Years

□ Own□ Rent

□ Check if U.S. Citizen/Permanent Resident

*If you provide us with an email address, we may use it to contact you about your account or send you information concerning other products or services.**Alimony, child support or separate maintenance income need not be disclosed if you do not wish us to consider them as a basis for repayment.

Primary use of loan: □ Debt Consolidation □ Other† Estimated payments are for illustrative purposes only and are based on a 7.74% APR for 36 to 72 months. Your APR and loan term will be established when we discuss your specific

request with you and will be in the range of 7.99% APR to 14.99% APR depending on your creditworthiness. NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Loan payment amounts will be different for APRs other than 7.74%. Your APR may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan Terms for additional information.

_______________________________________________________________________________________________________________________________________________ ____________________________________________Customer Signature Date

PPLUS-0813

How much of a loan will you need? (estimated monthly loan payments and terms1 are shown below)†

$5,000 $10,000 $15,000 $20,000 $25,000 $174 for 72 months $202 for 60 months $243 for 48 months $312 for 36 months

$261 for 72 months $302 for 60 months $364 for 48 months $468 for 36 months

$348 for 72 months $403 for 60 months $486 for 48 months

$435 for 72 months $504 for 60 months $607 for 48 months

$101 for 60 months $121 for 48 months $156 for 36 months

Jane Sample123 Any StreetAnyTown, USA 12345-6789

Dear Sample A. Sample:

Please take advantage of this valuable offer by <Month XX, 2013>.

XX-XXX

Month XX, 2013

Sample A. Sample 123 Main Street Second Line Address Anytown, USA 12345

Q. How much can I get for debt consolidation?A. You’re pre-approved for a minimum loan amount of $2,000, up to $25,000, depending on your creditworthiness.

You can use the money to consolidate your credit cards and other loans, replacing multiple monthly payments with just one. Convenient terms from 3 to 6 years are available.2

Q. What APR will I get?A. Your Annual Percentage Rate (APR) could be as low as 7.74%,1 based on your credit profile and other information.

Your APR won’t go up as long as you pay on time.

Q. How quickly can I consolidate my debts?A. Once your loan is approved, your credit cards and other loans could be consolidated within 10 business days.

Q. What if I need extra money for other expenses?A. In addition to consolidating the required minimum of $2,000 in revolving debt, up to $5,000 more may be available

to you. You can use it to help pay for large purchases, such as new furniture, appliances, or electronics. It can also help with expenses like medical and dental bills, moving costs and more.

Q. Is it possible to pay off my loan early?A. Yes, you can make additional payments at any time. You can also pay off your loan in full any time you choose for

even more savings—with no pre-payment penalties.

Q. What if I change my mind?A. Your satisfaction is guaranteed. You can change your mind and cancel your loan for any reason. Just return the

entire amount within the first 45 days, and pay no fees, penalties, or interest. It’s that easy.

Q. How do I accept?A. Simply call 1.888.800.9556 to find out how low your monthly loan payment could be. If you like what you hear, it’s

easy to accept your loan. You could have the money within 10 business days.

Questions & Answers about the NEA Personal Loan® Plus

IMPORTANT INFORMATION1 Your APR will be established when we discuss your specific request with you and will be in the range of 7.99% APR to 14.99% APR, depending on your creditworthiness.

NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Your APR may increase if you do not make payments on time. See the enclosed Key Information on Your Loan for additional details.

2 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 borrowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan for additional details.

Loans are made and serviced by First National Bank of Omaha.

NEA Personal Loan and the NEA Member Benefits logo are registered trademarks of NEA’s Member Benefits Corporation, and are used by First National Bank of Omaha pursuant to license.

in cooperation with

Call 1.888.800.9556 for your free consultation now.The all-new NEA Personal Loan Plus is provided by First National Bank of Omaha — chosen by the

NEA Member Benefits team for their dedication to providing quality products and superior service. Trusted for more than 150 years, First National Bank of Omaha is part of the largest privately owned banking company in the United States.

The NEA Personal Loan Plus scores high with NEA members like you.On a scale of 1 to 5, with 5 being the highest level of satisfaction,

here’s how members rate their experience with the NEA Personal Loan®:

My NEA Personal Loan helped me pay down higher-interest debt. 4.8

My NEA Personal Loan is priced competitively compared to other financial offers available in the marketplace. 4.1

Applying for my NEA Personal Loan was an easy process. 4.9

My NEA Personal Loan specialist was able to answer all my questions today. 5.0

in cooperation with

LOAN CUSTOMERS GAVE US A RATING OF

IMPORTANT INFORMATION1 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments

of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 borrowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan for additional details.

Loans are made and serviced by First National Bank of Omaha.

NEA Personal Loan and the NEA Member Benefits logo are registered trademarks of NEA’s Member Benefits Corporation, and are used by First National Bank of Omaha pursuant to license.

You’re pre-approved for the all-new NEA Personal Loan® Plus.

You can choose to stop receiving “prescreened” offers of credit from this and other companies by calling toll-free 1.888.567.8688. See PRESCREEN & OPT-OUT NOTICE on the enclosed

Key Information on Your Loan for more information about prescreened offers.

The All-New NEA Personal Loan Plus

7.74% APR1

Help pay off:

Revolvingdebt

Call 1.888.800.9556for your free consultation

Rates as low as

LPLUS-0813

Plus, help pay for:

Large purchases

Medical bills

And more

Or

Please see IMPORTANT INFORMATION on reverse page. See enclosed Key Information on Your Loan for additional information. Loans are made and serviced by First National Bank of Omaha.

Managing your budget can be challenging these days, especially if you’re juggling lots of revolving debt payments at higher interest rates.

Consolidate your debt now, and you could save money on high interest rates.Based on your credit history, you could be eligible for a loan of up to $25,000 with an APR as low as 7.74%.1 You could replace lots of monthly payments with just one.

Plus: Up to $5,000 more may be available to you, on top of the money you need to consolidate debt.

You could use it to replace a home appliance, have your car repaired, or pay medical bills—just for a few examples.

Call 1.888.800.9556 to speak with an NEA Personal Loan specialist today. You’re pre-approved for a loan amount of up to $25,000, with a minimum debt consolidation requirement of $2,000, depending on your creditworthiness. Terms from 3 to 6 years are available.2 And if you enroll in Auto Pay when you accept your loan, you’ll get a 0.25% discount off your APR.1 We’re here to help you achieve your goals by helping you manage your debt—so call for your free consultation now.

Sincerely,

Kathleen CupoloManager, Member Service Center

P.S.

Call 1.888.800.9556 to accept your loan now.For faster service, please fill out this form and gather your credit card statements before calling.

Please see IMPORTANT INFORMATION on the reverse page. Loans are made and serviced by First National Bank of Omaha.

Priority Number:

Available Until:

Reserved for:

We can also call you.Your best number: ( _________ ) __________ - _______________Best day: □ Weekday □ SaturdayBest time of day: □ AM □ PM

Do you have any questions?We want to help you make sure your loan is right for you. That’s why we provide a confidential consultation with no cost or obligation. Call 1.888.800.9556 to speak with an NEA Personal Loan® specialist who will explain your options to you.

Please read, sign and date.I understand that my loan amount, term, and rate will be set after you have reviewed my financial information. I have read and agree to the Key Information on Your Loan enclosed, including the Loan Terms. I agree to repay the loan in accordance with the Loan Terms. I certify that I am at least 18 years of age and that the information provided is accurate.

Tell us about yourself:

( _________ ) _____________________________________________________ __________________________________________________________ ___________________________________________Phone (area code first) Email Address* Monthly Housing Payment

___________ - ________ - ___________ __________ / __________ / ________________ _______________________________________________________________________________Social Security Number Date of Birth (mm/dd/yyyy) Mother’s Maiden Name (for security purposes)

___________________________________________________________________________ ( ___________ ) ____________________________________Employer Work Phone (area code first)

________________________________________________________________ __________________________________________________________________________ ____________________________________________Total Annual Income** Occupation Years

□ Own□ Rent

□ Check if U.S. Citizen/Permanent Resident

*If you provide us with an email address, we may use it to contact you about your account or send you information concerning other products or services.**Alimony, child support or separate maintenance income need not be disclosed if you do not wish us to consider them as a basis for repayment.

Primary use of loan: □ Debt Consolidation □ Other† Estimated payments are for illustrative purposes only and are based on a 7.74% APR for 36 to 72 months. Your APR and loan term will be established when we discuss your specific

request with you and will be in the range of 7.99% APR to 14.99% APR depending on your creditworthiness. NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Loan payment amounts will be different for APRs other than 7.74%. Your APR may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan Terms for additional information.

_______________________________________________________________________________________________________________________________________________ ____________________________________________Customer Signature Date

PPLUS-0813

How much of a loan will you need? (estimated monthly loan payments and terms1 are shown below)†

$5,000 $10,000 $15,000 $20,000 $25,000 $174 for 72 months $202 for 60 months $243 for 48 months $312 for 36 months

$261 for 72 months $302 for 60 months $364 for 48 months $468 for 36 months

$348 for 72 months $403 for 60 months $486 for 48 months

$435 for 72 months $504 for 60 months $607 for 48 months

$101 for 60 months $121 for 48 months $156 for 36 months

Jane Sample123 Any StreetAnyTown, USA 12345-6789

Dear Sample A. Sample:

Please take advantage of this valuable offer by <Month XX, 2013>.

XX-XXX

Month XX, 2013

Sample A. Sample 123 Main Street Second Line Address Anytown, USA 12345

Q. How much can I get for debt consolidation?A. You’re pre-approved for a minimum loan amount of $2,000, up to $25,000, depending on your creditworthiness.

You can use the money to consolidate your credit cards and other loans, replacing multiple monthly payments with just one. Convenient terms from 3 to 6 years are available.2

Q. What APR will I get?A. Your Annual Percentage Rate (APR) could be as low as 7.74%,1 based on your credit profile and other information.

Your APR won’t go up as long as you pay on time.

Q. How quickly can I consolidate my debts?A. Once your loan is approved, your credit cards and other loans could be consolidated within 10 business days.

Q. What if I need extra money for other expenses?A. In addition to consolidating the required minimum of $2,000 in revolving debt, up to $5,000 more may be available

to you. You can use it to help pay for large purchases, such as new furniture, appliances, or electronics. It can also help with expenses like medical and dental bills, moving costs and more.

Q. Is it possible to pay off my loan early?A. Yes, you can make additional payments at any time. You can also pay off your loan in full any time you choose for

even more savings—with no pre-payment penalties.

Q. What if I change my mind?A. Your satisfaction is guaranteed. You can change your mind and cancel your loan for any reason. Just return the

entire amount within the first 45 days, and pay no fees, penalties, or interest. It’s that easy.

Q. How do I accept?A. Simply call 1.888.800.9556 to find out how low your monthly loan payment could be. If you like what you hear, it’s

easy to accept your loan. You could have the money within 10 business days.

Questions & Answers about the NEA Personal Loan® Plus

IMPORTANT INFORMATION1 Your APR will be established when we discuss your specific request with you and will be in the range of 7.99% APR to 14.99% APR, depending on your creditworthiness.

NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up automatic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Your APR may increase if you do not make payments on time. See the enclosed Key Information on Your Loan for additional details.

2 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 borrowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan for additional details.

Loans are made and serviced by First National Bank of Omaha.

NEA Personal Loan and the NEA Member Benefits logo are registered trademarks of NEA’s Member Benefits Corporation, and are used by First National Bank of Omaha pursuant to license.

in cooperation with

Call 1.888.800.9556 for your free consultation now.The all-new NEA Personal Loan Plus is provided by First National Bank of Omaha — chosen by the

NEA Member Benefits team for their dedication to providing quality products and superior service. Trusted for more than 150 years, First National Bank of Omaha is part of the largest privately owned banking company in the United States.

The NEA Personal Loan Plus scores high with NEA members like you.On a scale of 1 to 5, with 5 being the highest level of satisfaction,

here’s how members rate their experience with the NEA Personal Loan®:

My NEA Personal Loan helped me pay down higher-interest debt. 4.8

My NEA Personal Loan is priced competitively compared to other financial offers available in the marketplace. 4.1

Applying for my NEA Personal Loan was an easy process. 4.9

My NEA Personal Loan specialist was able to answer all my questions today. 5.0

in cooperation with

LOAN CUSTOMERS GAVE US A RATING OF

IMPORTANT INFORMATION1 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments

of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 borrowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See the enclosed Key Information on Your Loan for additional details.

Loans are made and serviced by First National Bank of Omaha.

NEA Personal Loan and the NEA Member Benefits logo are registered trademarks of NEA’s Member Benefits Corporation, and are used by First National Bank of Omaha pursuant to license.

4-PAGE BROCHURE / front cover

Call 1.888.800.9556for your free consultation

1 Year 2 Years 3 Years 4 Years 5 Years

$13,842 $12,773 $11,786 $10,876 $10,036

$10,036

$15,000

DEBT

AM

OUNT

$15,000

1 Year 2 Years 3 Years 4 Years 5 Years

$12,444$9,683

$6,701

$3,480

$0

$0

DEBT

AM

OUNT

Here’s what you could owe after 5 years of payments:

Without the NEA Personal Loan Plus3. . . . . . . . . . . .

With the NEA Personal Loan Plus2,3. . . . . . . . . . . . . . . . . .

Plus, you could save money on interest with a rate as low as 7.74% APR.1

Once your loan is approved, you’ll have access to funds within 10 business days. That means you could start saving fast …

Plus, you could replace lots of monthly payments with only one.Your finances could get a lot simpler …

Plus, you could receive up to $5,000 more, in addition to money for debt consolidation.You just have to consolidate at least $2,000 in revolving debt. Turn the page for details …

Tired of making revolving debt payments every month, but never getting close to a zero balance?Minimum payments aren’t enough to step off the treadmill of revolving debt. Just take a look at these charts. They’re based on $15,000 in debt—but minimum payments can have a similar effect whatever you owe.

The NEA Personal Loan Plus is a better solution.To help you consolidate your credit cards and other loans, you’re pre-approved for a minimum amount of $2,000—up to $25,000—depending on your credit worthiness. Convenient terms from 3 to 6 years are available2 …

The NEA Personal Loan Plus Debt consolidation plus

up to $5,000 in additional cash

Your washing machine breaks. Your daughter needs braces. It’s time to buy a new laptop. The Plus in your NEA Personal Loan could give you extra money for expenses like these.

Accept your loan now, and when you consolidate at least $2,000 in revolving debt, you could receive up to $5,000 more. Here are just a few ways you could use that extra money:

▶ Home appliances ▶ Medical and dental bills▶ Electronics ▶ A new car▶ Auto repairs ▶ Moving costs

Call 1.888.800.9556to accept your loan now

IMPORTANT INFORMATION1 Your APR will be established when we discuss your specific request with

you and will be in the range of 7.99% APR to 14.99% APR, depending on your creditworthiness. NEA members may receive a 0.25% interest rate discount by enrolling in Auto Pay. To qualify, you must set up auto matic payments from a checking or savings account at the time of loan origination. When you enroll in Auto Pay, a rate as low as 7.74% APR may be available, depending on your creditworthiness. Your APR may increase if you do not make payments on time. See enclosed Key Information on Your Loan for additional details.

2 Your repayment terms will depend on your APR and the loan term for which you qualify. Example: On an 11.99% APR loan you will have: (1) 36 monthly payments of $33.21 per $1,000 borrowed; or (2) 48 monthly payments of $26.33 per $1,000 borrowed; or (3) 60 monthly payments of $22.24 per $1,000 borrowed; or (4) 72 monthly payments of $19.54 per $1,000 bor-rowed. Your APR will be in the range of 7.74% APR (if you are enrolled in Auto Pay) to 14.99% APR and may increase if you do not make your payments on time. See enclosed Key Information on Your Loan for additional details.

3 This is just an example of the power of this program. Examples based on credit cards with a 15.99% APR and making minimum payments of 2% of balance with beginning balances totaling $15,000. NEA Personal Loan based on 60-month term loan, being enrolled in Auto Pay, 7.74% APR and $15,000 beginning balance. Your savings may be less based on your actual APR, loan terms and whether you are enrolled in Auto Pay.

bPLuS-0813

in cooperation with