Step 1: Apply Today
Start by selecting the ReservePlus loan program option within your company's plan.

Step 2: Movement of Funds
The amount of your approved loan line will be transferred from your current investments into a ReservePlus account within your retirement plan. Unlike other loan programs that immediately withdraw a lump sum from your retirement plan account, with ReservePlus your funds continue to earn dividends until you choose to access them with your Loan Card.

Step 3: Receive Your Loan Card
After your completed application has been processed, you'll be mailed a ReservePlus Loan Card, which enables you to access your funds on an as-needed basis. Your Loan Card can be used to make purchases or take cash advances from any merchant or bank that accepts Visa® cards.

That's all it takes to begin. After you initiate a loan, you'll receive detailed monthly statements that report your loan balance, minimum payments due, summary of the previous month's transactions, instructions for repayment, your available balance and the dividends you earn on unused funds that are still available to you.

Each month, you can select to pay the minimum payment due or any amount up to your entire outstanding loan balance. Monthly payments may be made by check or by automatic deductions from your bank checking or savings account.