(See Below For Qualifying Restrictions and Important Information Regarding This Offer*)
Need some extra cash for the holiday season?
Skip your December loan payments!

For a small processing fee of just $40.00 per loan, you can skip your December loan payment(s) and use the extra cash for your
holiday needs. It's simple! Just complete the information below, sign and return to Banner Federal Credit Union no later than
your December payment due date. Your next payment won't be due until January 2014!
Fax to: 480-265-2024 or deliver to any of our branch offices

Please list your account number and loan number(s) you are requesting to skip and the method of payment for the $40.00
processing fee:
____________Account Number _______________________________ Daytime Phone Number
____________Loan Trailer ____________Loan Trailer ____________Loan Trailer
______________I have enclosed my check for the $40.00 processing fee per loan

______________I authorize Banner Federal Credit Union to deduct the $40.00 processing fee per loan
my SAVINGS or CHECKING account with Banner Federal Credit Union**
(Please circle one)
**By signing below, you authorize Banner Federal Credit Union to withdrawal the applicable processing fee(s) from your account.
Member Signature Co-Borrower(s)/Co-Signer(s) Signature
E-MAIL ADDRESS:______________________________________________________________
*To receive processing status information electronically, please provide a valid e-mail address* *Qualifying Restrictions and Important Information Regarding This Offer
*Co-Borrower(s) / Co-Signer(s) signature (if applicable) are required to complete this transaction. *Loan(s) must be current.
*Home Equity Loans/ Lines of Credit/ PayDay Stretcher Loans/ Share Certificate Loans are NOT eligible for this offer.
*Loans with an APR (annual percentage rate) that would exceed 18.00% when the $40.00 processing fee is included, do NOT
qualify for this offer. *Accounts that have been granted and extension/modification of terms, do not qualify for this offer. *All
other terms and conditions of the loan(s) will remain unchanged. *Interest will continue to accrue on your loan(s) during the
month you skip your payment(s). *GAP coverage allows for only 1 (one) skip payment over the full term of the loan. If more
than 1 (one) skip payment is granted, you may have a remaining balance due if a GAP claim is paid. *If your loan is insured
with Credit Protection including Life and/or Disability or Unemployment protection, your coverage will continue during the
month of December 2013 and to the new maturity date of the loan. *If you have met the above requirements and we have
processed your request, we will notify you by the email you have provided or by mail within 10 days of processing. *If you
have not met the above requirements and are denied for this offer, we will notify you by the email address or phone number you
provided. *Your signature(s) above authorizes Banner Federal Credit Union to extend your original loan maturity date. *By
signing above, all parties agree to this December 2013 Skip-A-Pay offer.


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Group Health Insurance Specialists TCC, Inc. Preferred Drug List January 2006 NOTE: Drugs in ALL ALPHAGAN P CAPS are considered Brand-Named Drugs. abapentin alprazolam Drugs that are all lowercase are ACCU-CHEK considered Generic ARIMIDEX ACCUTANE ALTOPREV ARISTOCORT A acebutolol ARISTOCORT R acetaminophen w/butalbital

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THIS WON’T HURT A BIT: Why the vaccine crisis shows we shouldn’t believe what health “planners” tell us about how to reform drug policy JULIA WITT BRIAN FERGUSON AIMS COMMENTARY Atlantic Institute for Market Studies The Atlantic Institute for Market Studies (AIMS) is an independent, non-partisan, social and economic policythink tank based in Halifax. The Institute was

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