Freddy the Yeti loves a good “treat your future self” moment. Choose this option for one waived Skip Pay fee in 2026 on your qualifying loan. It’s an easy way to build a little flexibility into next year’s budget. But act fast... Freddy, along with this free waiver, goes back into hiding on December 31, 2025

**Disclosures  One waived Skip Pay fee valid for Skip Pay requests in 2026 only. Member and loan must meet all Skip Pay eligibility requirements at the time of request. Applies only to qualifying loans. Standard Skip Pay rules, interest accrual, and restrictions apply. Membership required. Valued at $35, Skip Pay Waivers are limited to one per member and only available until December 31, 2025.