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

Student Loan Refinancing for Pharmacists

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Want freedom from student loans? We have that in common.You did everything right. You sacrificed and put yourself through

pharmacy school. Now comes the hard part: you have to start paying off

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. But you’re not

alone. Many pharmacists are in the same boat. In fact, the average debt

for pharmacy school graduates has increased dramatically between

2011 and 2015. (See chart below.) While paying your student loans may

seem daunting, you can refinance your loans to reduce your debt and

save thousands of dollars.

$100,000

$120,000

$160,000

$140,000

2011$80,000

2012 2013 2014 2015

$98,605

$149,320$144,718

$133,694

$123,063

Average pharmacy school debt increased 51% from 2011 to 20151

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What is refinancing?

What CommonBond members who went to pharmacy school could save on average

$21,9162

What CommonBond members who went to pharmacy school could save with the lowest CommonBond rate

$36,3123

How much can I really save by refinancing my student loans?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, earning potential and more.

See below for how much you could save.

The average CommonBond member with pharmacy school debt could save $21,9162

SUMMARY OF SAVINGS

Refinancing simply means taking out a new loan to replace an existing

loan. When you refinance with CommonBond:

■ Generally, we create a new loan for you at a lower interest rate.

■ We pay off your existing student loans.

■ We refinance both federal and private student loans, as well as

previously consolidated loans.

What you’ll need to know ■ How much can I really save by refinancing my student loans? (page 5)

■ Is refinancing right for me? (page 8)

■ How do I pick the best lender and loan for me? (page 10)

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.

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

2.32% APR4Lowest CommonBond Rate (Variable)

4.41% APR5Average CommonBond Rate

7.21% APR7US Government Rate (Direct Plus rate)

COMPARISON OF INTEREST RATES6

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CommonBond’s Social Promise (for every loan funded by CommonBond,

the company funds the education of a child in need) resonated with my personal values. To me, education is one of the few things that can never be taken away and as an educated person, I feel the only way to show gratitude for this extreme privilege is to pay it forward.

Real people.

Real stories.

Real savings.As a CommonBond member,

you’re not a loan with us™. You’re

part of a growing community that

shares common experiences,

common goals and a unique

common bond.

Blair Thielemier

Age: 29

Hometown: Pocahontas, Arkansas

Education: PharmD, University of Arkansas for Medical Sciences.

Total estimated savings: $10,500

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.

I put in applications with all the big guys, but CommonBond was the fastest to get

back to me and the process was easy from the start. That’s exactly what I wanted.

Cody Steeves

Age: 30

Hometown: Apex, North Carolina

Education: BS, University of Florida. PharmD, University of North Carolina.

Estimated monthly savings: $215

Noah Heilbrun

Age: 35

Hometown: Beverly Hills, Michigan

Education: BA, Kalamazoo College. MSPH, Tulane University. MD, Univ. of Michigan Medical School.

Total estimated savings: $16,000

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Is refinancing right for me?Now that you know refinancing with CommonBond

saves members who went to pharmacy school more

than $21,9162, on average, you need to figure out if

refinancing is right for you.

Refinancing isn’t the right option for everyone.

As with any financial decision, there are benefits

and risks.

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REFINANCE WITH COMMONBOND

■ Get a lower interest rate, which ccan

save you, on average, $21,9162 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. (See

page 11 for more details.)

■ Your loan will contribute to the education of a

child in need. (See more on page 13.) We call it

our Social Promise.

MAINTAIN FEDERAL STUDENT LOANS

■ 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’ve made 120 monthly payments if you

work for a qualified employer.

■ Allows you to defer payments if you lose your

job or go back to school.

Benefits

We’re here for you!

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 email us at

care@commonbond.co or chat on

our website.

REFINANCE WITH COMMONBOND

■ Does not include income-based repayment

options.

■ Does not include public service loan forgiveness.

MAINTAIN FEDERAL STUDENT LOANS

■ You may pay more in interest over the life of the

loan, compared to refinancing.

■ You may increase the cost of your loans if you

select income-based repayment programs.

Risks

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

IS YOUR RATE COMPETITIVE?

Yes, we take a personalized approach to

lending and offer you a range of rates from

2.32% to 7.74% APR (with autopay).

WHAT TYPES OF LOANS DO YOU OFFER?

We offer fixed and variable rate student loans.

In addition, we provide our hybrid8 loan, an

industry first, for people who tend to prepay.

Find out which type of loan works best for you.

DO YOU REFINANCE BOTH PRIVATE AND FEDERAL STUDENT LOANS?

Yes, we refinance both federal and private

student loans, as well as previously

consolidated loans.

HOW LONG DOES IT TAKE TO APPLY?

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.

IF I NEED HELP WITH APPLYING, WHERE CAN I GET IT?

Our friendly group of problem solvers on 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!

Savings Process

WHAT HAPPENS TO MY LOAN IF I LOSE MY JOB?

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. (See sidebar.)

WHAT DIFFERENTIATES YOU FROM OTHER LENDERS?

We believe that business can – and should – be

a positive force for change. For every degree

funded on the CommonBond platform, we

fund the education of a student in need. We

call it our Social Promise.

Benefits

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CommonBridge: We’ve got your back

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 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

■ A good credit score (typically 670 or higher)

■ To be currently employed or have a signed offer of employment

■ U.S. citizenship or permanent residency

To qualify for a loan with CommonBond you’ll need

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You’re not a loan with us™

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.

COMMONBOND EVENTS

Our 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 as well, just so we can get to know

each other better. Learn more.

Ready to start saving?

OUR SOCIAL PROMISE

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.

THE COMMONBOND SOCIAL IMPACT AWARD

Through the CommonBond Social

Impact Award, we recognize a

for-profit social entrepreneur

who’s driving positive change

locally or globally. The 2016 award

went to Saumya, co-founder of

Kheyti, which makes low-cost

greenhouses that help growers

in India increase the yield and

predictability of their crops.

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.

Call, email, or chat(800) 975-7812 | care@commonbond.co14

2 Savings calculation of $21,916 is based on an assumed loan balance of $144,718 and a weighted average interest rate for CommonBond members that refinanced student loans from 10/1/2015-1/31/2016 and indicated they had a Pharm.D degree. Savings is calculated as the difference between borrowers’ estimated future payments for loans at 7.21% (Federal Grad PLUS Rate between 7/1/14 and 6/30/15) 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.

3 Savings calculation of $36,312 is based on borrowers’ estimated future payments for a Direct PLUS loan at 7.21% and their future expected payments after refinancing with CommonBond at a 10-year variable rate loan at 2.94%. The calculation assumes no change in interest rates, on-time payments, enrollment in ACH, and no pre-payment of loans.

4 Lowest CommonBond rate as of January 2017.

5 Average CommonBond Rate as of January 2017.

6 Rates current as of September 2016.

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

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 January 3, 2017.

8 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 6.50% (with auto pay discount). 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 Refinance Loan Program is not offered or endorsed by the educational institution that you are attending.

Individuals portrayed as CommonBond members are actual clients and were compensated for their participation.

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

CommonBond, Inc.524 Broadway, 6th FloorNew York, NY 10012

©2017 CommonBond, Inc.

Legal

Notes

1 Source: American Association of Colleges of Pharmacy

Lowest APR (with autopay) Highest APR (with autopay) Variable Rate Cap Variable Rate MarginProduct

Fixed Rate 3.37%

2.32%

3.85%

7.74% N/A N/A

8.99%–9.99% 1.89% – 5.75%

9.99% 2.75% – 5.13%

6.18%

6.29%

Variable Rate

Hybrid Rate