ReservePlus is a convenient and flexible way to borrow money from your company-sponsored retirement plan account. With ReservePlus, you decide how much money you’d like to have available for loans. This amount then stays invested within your plan, in a dividend-earning money market fund, until it’s needed. To access your money, simply use the ReservePlus Loan Card, which is similar to a debit card, at thousands of ATMs and merchants across the country. You can also initiate a loan using ReservePlus checks. It is only when you initiate a transaction that a loan is created. This way you borrow only what you need, when you need it most. After taking a loan, you have a number of flexible options to repay the amount you borrowed.