* You have received this offer of credit because you satisfied the criteria for creditworthiness under which you were selected for this offer. Credit may not be extended if, after you respond to the offer, you do not meet the criteria used to be selected for the offer or any established criteria bearing on creditworthiness.

** This offer may not be used to pay off or pay down any Citadel loan other than the loan referenced in the offer. Federally Guaranteed Student Loans should not be consolidated because you will lose important federal benefits.

Offer expires May 15, 2018. You must be at least 21 years of age to qualify. To complete your request, we will collect information from you and obtain reports from consumer reporting agencies to verify you continue to qualify for the offer. If we have received a credit application from you in the last 90 days, we may consider this application to be a duplicate. If approved, by accepting this offer you agree that Citadel will refinance your existing personal loan for the approved amount and to the loan terms stated on the front of this letter. Additional funds amount accurate as of 3/22/2018 and may have changed.