View this email as a Web Page. View our Security Policies. Some Answers are Easy. When federal loans, grants and scholarships aren't enough to cover the cost of education, count on U.S. Bank for your additional student loan needs. Learn More • Fixed and Variable rate loan options1 • Graduation Perk – 2% principal reduction at graduation2 • Good Grades Perk –1% principal reduction at graduation2 • .50% Interest rate reduction with AutoPay3 • Deferred payments4 Email intended for: `eMail`   Protecting your privacy is our priority. We'll never request personal information like your Personal ID, Password, Social Security Number, PIN or Account Number via email. For your safety, never share this information with anyone, at any time. If you get an email requesting personal information, or would like to report a suspicious email, forward it to fraud_help@usbank.com or call U.S. Bank Customer Service immediately at 800-US BANKS (800-872-2657). Get more details about recognizing online fraud issues. Note: If you'd rather not follow links from this email, you can access information on all U.S. Bank products and services at usbank.com. 1. Subject to normal credit approval. Loan approval subject to program guidelines. Program rules and qualifications are subject to change at any time without notice. APR on variable rate loans may increase after consummation. 2. To be eligible, loan application must be received on or after August 1, 2011, and loan proceeds must be disbursed prior to graduation date. Graduation Perk requires proof of graduation date, and Good Grades Perk requires proof of graduation date and cumulative GPA of 3.30 or higher, which must be submitted by the borrower no later than 12 months after graduation date. 2% principal reduction for Graduation Perk and 1% principal reduction for Good Grades Perk will be credited to the student loan account balance and are based on the original amount financed, excluding loan fees, interest (including accrued and unpaid interest which may be capitalized at repayment) and any proceeds returned by the school or not disbursed. Borrower cannot be delinquent or in default at the time of request. Loans that are consolidated, refinanced or paid in full prior to redeeming the perk(s) are not eligible. 3. The automatic payment is a requirement to be qualified for the interest rate reduction benefit. Auto-payment is set up through your loan servicer. If the auto-payment is cancelled by the borrower, the rate reduction benefit is lost but may be reinstated. If the auto-payment feature is revoked, the rate reduction benefit is lost and cannot be reinstated even if automatic payments are re-established on the loan. 4. Interest will continue to accrue during periods of deferment. This deferred interest, if not paid, will be capitalized (added to your principal loan balance and interest will accrue on this new balance) at repayment. To ensure that you continue to receive email from us, please add us to your Address Book (1800USBanks@usbank-email.com). Thank you. You are receiving this email as a courtesy from U.S. Bank. Please know that you can modify your preferences or be removed from our mailing list at any time. View the U.S. Bank Privacy Pledge. U.S. Bank, EP-MN-L20D, 200 South 6th Street, Minneapolis, MN 55402 © 2011 U.S. Bank, N.A., Member FDIC. All rights reserved.