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¹University of Miami Personal Loans Disclosure:
All loans are subject to credit approval, verification, and applicable program guidelines. This is not a commitment to lend. Loan programs, rates, and conditions are subject to change without notice. This disclosure is current as of March 03, 2026. University of Miami Housing Assistance personal loans are available exclusively to qualified University of Miami faculty, staff, alumni, and students for personal, non-business purposes. Proof of University of Miami affiliation is required. Eligibility and documentation requirements apply and are applied consistently to all applicants.
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To receive loan funds, you must open and maintain an eligible City National Bank of Florida deposit account. Account opening is subject to separate approval and terms, including applicable fees. Interest rates are fixed Annual Percentage Rates (APR) determined at the time of loan origination based on the Prime Rate plus an applicable margin. Your APR will not change after your loan is
originated.

City National Bank of Florida does not provide tax, legal, or accounting advice. Borrowers should consult their own professional advisors regarding their individual circumstances. Interest on personal loans is typically not tax-deductible.

Loans are repaid in equal monthly installments of principal and interest over the applicable loan term. No balloon payment is required. Actual payment amount will vary based on loan amount and interest rate.

²Borrowers who enroll in AutoPay from a City National Bank of Florida deposit account are eligible for a (0.25%) APR reduction. AutoPay enrollment is optional and not required to obtain a loan or
standard pricing. If AutoPay is canceled or a scheduled payment fails, the APR discount will be removed after one missed AutoPay event, following prior written notice and an opportunity to cure. Once removed, the discount cannot be reinstated.