A quick guide to lower rates, bigger savings,and greater financial freedom

STUDENT LOAN REFINANCING 101

WANT FREEDOM FROM STUDENT LOANS?WE HAVE THAT IN COMMON.

1Our Care Team is available to help.

Contact us: (800) 975-7812, care@commonbond.co or chat

You did everything right. You went to a good school, worked hard and graduated. Now comes the hard part: you have to start paying your student loans. Those high balances may make you feel like you’ll be in debt forever and you may feel like you’re the only one. You’re not alone. Professionals in every field are in the same boat. (See chart below.) While paying student loans may be daunting, you can refinance your loans to reduce your debt and save thousands of dollars.

AVERAGE STUDENT DEBT BY DEGREE

How much can I really save by refinancing my student loans? p2

Is refinancing right for me? p4

How do I pick the best lender and loan for me? p5

Undergraduate Graduate JDMBA MD DDS

$247k

$176k

$112k

$57k $56k$35k

Sources: Percentages - Undergraduate The Institute of College Access & Success; Graduate The College Board; Sources: Debt statistics - Undergraduates Edvisors; Graduates U.S. News & World Report; MBAs U.S. News & World Report;

Doctors Association of American Medical Colleges; Dentists American Dental Education Association; Lawyers U.S. News & World Report

Refinancing simply means taking out a new loan to replace an existing loan. When you refinance with CommonBond:

We create a new loan for you at a low interest rate.

We pay off your existing student loans.

We refinance both federal and private student loans aswell as previously consolidated loans.

Don’t know where to start? No worries! We’ve talked to thousands of members about refinancing and we’ve created this quick guide to walk you through everything you’ll need to know about refinancing your student loans.

WHAT IS REFINANCING?

WHAT YOU’LLNEED TO KNOW

“Unlike when you refinance your mortgage,

refinancing student loans with CommonBond

has no additional fees — no origination,

prepayment or refinancing fees at all. Plus,

you can refinance all of your student loans or

choose only select loans to refinance.”

– Caryn, CommonBond Care Team

70% of undergraduates and74% of graduate students

have student loans

2Our Care Team is available to help.

Contact us: (800) 975-7812, care@commonbond.co or chat

CommonBond is able to save you thousands because we customize a new, low rate just for you based on data including your income, credit history, earnings potential and more.

2Savings calculation of $25,146 is based on borrowers’ estimated future payments for a Direct PLUS loan at 7.21% and their future expected payments after refinancing with Common-Bond at a 10-year variable rate loan at 2.93%. The calculation assumes no change in interest rates, on-time payments, enrollment in ACH, and no pre-payment of loans.

1Savings calculation of $14,581 is based on loan amounts and terms selected by CommonBond borrowers who refinanced their student loans between 5/15/15 and 6/30/15. Savings is calculated as the difference between borrowers’ estimated future payments for a sample of previously held loans and their future expected payments after refinancing with CommonBond. The calculation is a weighted average dollar savings across loan terms and assumes no change in interest rates, on-time payments, enrollment in ACH, and no pre-payment of loans.

HOW MUCH CAN I REALLY SAVEBY REFINANCING MY STUDENT LOANS?

US GOVERNMENT RATE (Direct Plus rate)

AVERAGECOMMONBOND RATE

LOWESTCOMMONBOND RATE(Variable)

2.13% APR

4.65% APR

7.21%3

$14,581 SAVINGS1

What CommonBond members save on average

$25,146 SAVINGS2

What CommonBond members save, on average, with the lowest rate

Summary of Savings Comparison of Interest Rates

WHAT WOULD YOU DO WITH $14,000?

THE AVERAGE COMMONBOND MEMBER SAVES MORE THAN $14,000

“We were saving zero before and now we have $500 more in

cash flow per month. It’s going to allow us to buy the house in

New Haven we wanted.”

– Casey Pickett, Yale, MBA 2010

“Eventually, I want to buy a house. And I also like to travel a lot.

My savings from student loan refinancing gives me a little more

leeway in my budget.”

– Sarah Ciopyk, Cornell Law School, JD 2013

“The money I will save on interest will let me pay off my loans

faster than I planned.”

– Robert Pardue, University of Houston, JD 2012

“Now I rest easier knowing that upon my retirement I will be debt-

free. I will apply the money I am saving toward my nest egg.”

– Bob Rohrborn, Parent PLUS loan refinance

An extra $14,000 makes a huge difference to the lives of thousands of our CommonBond members. Here’s how four of them are using their savings from refinancing:

3Direct Plus Rate is for Loans disbursed between July 1, 2014 and June 30, 2015.

3Our Care Team is available to help.

Contact us: (800) 975-7812, care@commonbond.co or chat

REAL PEOPLE. REAL STORIES. REAL SAVINGS.

SARAH’S STORYNOAH’S STORY

Noah’s love of science and passion for

helping others steered him toward

medicine. He wanted to practice medicine

because of the “total focus” he could

provide to improving the lives of each of

his individual patients. At the University

of Michigan Medical School, he was

wrapped up in his studies and didn’t fully

consider the total cost of his schooling

until he was a resident. “There was a

sticker shock,” Noah says. Then he came

across a Facebook ad about refinancing

with CommonBond. “From that point on,

refinancing was a very easy and smooth

process,” Noah says.

“If I was going to go through the process of refinancing my student loans, I wanted to do it with a company that was really easy to work with. And that was CommonBond. It was nice to talk to real people who actually know things. At other companies, you have to talk to five people to get an answer and wait on hold forever.”

“When you graduate from medical school, you feel like you are chained to the giant weight of your student loans. It can feel demoralizing, but what CommonBond did is allow my optimism to return.”

Age: 27Education: BA, Hofstra University. JD, Cornell Law School.Hometown: Rose, New York Estimated savings: $27,100

Age: 35Education: BA, Kalamazoo College. MSPH, Tulane University. MD, Univ. of Michigan Medical School. Hometown: Beverly Hills, MichiganEstimated savings: $16,000

Sarah was always good at puzzles, logic

and arguing as a kid, which sparked her

interest in law. After graduating from

Hofstra University, she decided to give

law school a shot. While at Cornell, she

clerked for a U.S. District Court judge and

U.S. Attorney’s office. Now she works at

a white-shoe firm in Manhattan. Her dad

tipped her off to CommonBond. When

she refinanced, she chose our hybrid rate

loan, the only product of its kind. “As a

lawyer, I’m a little risk-averse,” Sarah says.

“I didn’t want all the risk of the variable

rate, but I liked that the hybrid rate loan

had a lower rate than the fixed rate loan.”

As a CommonBond member, you’re not a loan with us™. You’re a part of a growing community that shares common experiences, common goals and a unique common bond.

NOAH HEILBRUN SARAH CIOPYK

DANNY’S STORY

Age: 32Education: BS, West Point. MS, University of Maryland. MBA, Harvard Business School.Hometown: Los Angeles, CaliforniaEstimated savings: $5,300

“I never thought about refinancing. I thought high interest rates were the only option until I heard about CommonBond from a fellow HBS student... after seeing the rates at CommonBond, refinancing was a no-brainer.”

Danny is a West Point graduate who

served six years in the U.S. Army as a

communications officer. He went to

business school to learn the skills

necessary to succeed in the private sector.

“My guiding principles were that I wanted

to do something in technology and for the

greater good, particularly in national

security,” he says. After graduation, he

caught the startup bug. Now he works as

a program manager for a New York startup

that makes software for law enforcement.

“I feel like we are making a difference at my

company. Refinancing with CommonBond

gave me the financial flexibility to make the

jump to a startup,” Danny says.

DANNY CHO

4Our Care Team is available to help.

Contact us: (800) 975-7812, care@commonbond.co or chat

IS REFINANCING RIGHT FOR ME?

Refinancing is not the right option for everyone. As with any financial decision, refinancing has benefits and risks.

Here’s what you’ll need:

Now that you know refinancing with CommonBond saves members more than $14,000, on average, you need to figure out if refinancing is right for you.

TO QUALIFY FOR A LOAN WITH COMMONBOND

Good credit score (typically 670 or higher)

Currently employed or have a signed offer of employment

U.S. citizenship or permanent residency

BENEFITS

RISKS

Maintain federal student loans

Maintain federal student loans

Refinance with CommonBond

Refinance with CommonBond

Get a new lower interest rate which will save you, on average, more than $14,000 over the life of your loan.

Consolidate and refinance federal, private, and previously consolidated student loans into a single, lower interest rate loan.

Defer payments if you go back to school or lose your job. Additionally, if you find yourself between jobs, receive support through our CommonBridge program. Learn more.

Add a co-signer to your application to potentially reduce your interest rate even further

Contribute to the education of a child in need. We call it our Social Promise.

Does not include income-based repayment options.

Does not include public service loan forgiveness.

The CommonBond Care Team, based in New York City, is here to answer any questions you may have. Just give us a call at (800) 975-7812. You can also email or chat with us.

Consolidate all your federal student loans into one federal loan letting you pay one monthly payment instead of many.

Enables an income-driven repayment option, which can lower your monthly payments.

Offers public service loan forgiveness which forgives the remaining balance on your loans after you have made 120 monthly payments if you work for a qualified employer.

Allows you to defer payments if you lose your job orgo back to school.

May pay more in interest over the life of the loan compared to refinancing.

May increase the cost of your loans if you select income-based repayment programs.

WE’RE HERE FOR YOU!

5Our Care Team is available to help.

Contact us: (800) 975-7812, care@commonbond.co or chat

We encourage you to evaluate your options by asking the questions below of any lender you’re considering. To help you get started, we’ve provided the CommonBond answer to each question.

HOW DO I PICK THE BEST LENDER AND LOAN FOR ME?

SAVINGS

QUESTIONS COMMONBOND’S RESPONSES

PROCESS

BENEFITS

Is your rate competitive?

If I need help with applying, where can I get it?

What happens to my loan if I lose my job?

What differentiates you from other lenders?

What types of loans do you offer?

Do you refinance both private and federal student loans?

How long does it take to apply?

Yes, we take a personalized approach to lending and offer you a range of rates from 2.13% to 7.94% APR.

Our friendly group of problem solvers at the CommonBond Care Team can answer all your questions about refinancing. Call us at (800) 975-7812. You can also chat on our website or send us an email - care@commonbond.co - anytime. We’ll respond promptly to answer any questions you have!

Our CommonBridge program allows you to postpone monthly payments in 3-month increments for up to 12 months consecutively and for 24 months total. And CommonBridge goes even further to help you if you find yourself in between jobs. Read more about the program’s benefits below.

We believe that business can be a positive force for change. For every degree fully funded on the CommonBond platform, we fund the education of a student in need for a full year. We call it our Social Promise.

We offer fixed and variable rate student loans. Terms include 5-, 10-, 15- and 20-year options. In addition, we provide our hybrid loan, an industry first, for people who tend to prepay. Find out which type of loan works best for you.

Yes, we refinance both federal and private student loans as well as previously consolidated loans.

We can provide an estimate of your interest rate in minutes without affecting your credit score. Just answer a few questions about yourself and you’re on your way. See your rate now.

Beyond allowing you to pause your payments, our CommonBridge program will help you find your next professional opportunity. We’ll develop a personalized career plan for you and connect you to mentors, networking events and webinars that help take you where you want to go. When you’re a CommonBond member, you’re part of a network dedicated to financial and professional success.

COMMONBRIDGE: WE’VE GOT YOUR BACK

“CommonBridge provided the perfect

consulting project to tide me over between

jobs. I got the chance to earn some income

and build my work portfolio.”

– Christina Wallace, CommonBond member

6Our Care Team is available to help.

Contact us: (800) 975-7812, care@commonbond.co or chat

There’s strength in numbers. As a CommonBond member, you’re part of a growing community that gives you access to peers, employers, investors and speakers who share common experiences, common goals and a unique common bond.

The next step is easy. Get your rate by completing our online application in just a few minutes. Still have questions? Our care team members are here to help – call us at (800) 975-7812

We provide students in need with the lasting gift of an education. We’re the first and only company to bring a

“1-for-1” social mission to finance and education. For every loan funded by CommonBond, we fund the education of a

student in need. Learn more.

YOU’RE NOT A LOAN WITH US™

“We firmly believe that business can and should be a positive force for change.” – CommonBond CEO and Co-Founder David Klein

OUR SOCIAL PROMISE

READY TO START SAVING?

COMMONBOND EVENTS THE COMMONBOND SOCIAL IMPACT AWARDOur events team creates experiences on the topics

you care about – from entrepreneurship, to personal finance, to career growth. And of course, there’s a happy hour or two on the schedule just so we can

get to know each other better. Learn more about our great lineup of upcoming events.

Through the CommonBond Social Impact Award, we recognize a social entrepreneur who is driving positive

change locally or globally. The 2015 award went to Sindhura Sarikonda, who runs a nonprofit that shelters

and empowers human trafficking victims.

7Our Care Team is available to help.

Contact us: (800) 975-7812, care@commonbond.co or chat

Savings calculation of $14,581 is based on loan amounts and terms selected by CommonBond borrowers who refi nanced their student loans between 5/15/15 and 6/30/15. Savings is calculated as the difference between borrowers’ estimated future payments for a sample of previously held loans and their future expected payments after refi nancing with CommonBond. The calculation is a weighted average dollar savings across loan terms and assumes no change in interest rates, on-time payments, enrollment in ACH, and no pre-payment of loans.

Rates and terms are subject to change based on market conditions. Minimum loan amount is $5,000. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown.

Rates current as of Jan. 8, 2016.

For the Hybrid Loan Product, the first 60 payments (5 years) of the hybrid loan have a fixed rate which ranges from 4.06% (with auto pay discount) to 5.53% (with auto pay dis-count). The last 60 payments (last 5 years) have a variable rate which is the total of the margin plus 1-month LIBOR.

Borrowers are eligible during the repayment period for the 0.25% reduction in the loan rate by signing up for auto pay and making monthly payments. Variable loan rates may increase after origination. Full principal and interest payments will begin approximately 30-60 days after disbursement. There is no origination fee for Refinance Loans. The Refi-nance Loan Program is not offered or endorsed by the educational institution that you are attending.

To learn more about CommonBond’s Social Promise, visit commonbond.co/social-promise

CommonBond, Inc.120 Walker St., 4th FloorNew York, NY 10013

©2015 CommonBond, Inc.

Lowest APR(without autopay)

Lowest APR(with autopay)

Highest APR(with autopay)

Highest APR(without autopay)

Variable Rate Cap Variable Rate MarginProduct

Fixed Rate 3.50%

2.13% 2.38%

4.04%3.79%

3.75% 7.49% 7.74% N/A N/A

5.93% 8.99%–9.99% 2.08%–5.63%

9.99% 2.88%–5.00%6.22%

5.68%

5.97%

Variable Rate

Hybrid Rate

LEGAL