Terms and Conditions

Energy Efficiency Financing Promotional Rate Disclaimer / Terms and Conditions

*A reduced fixed rate of 6.49% is available with the purchase of Single Premium Creditor Protection insurance (Life, Disability, and/or Critical Illness) offered by CUMIS Life Insurance Company Protection (CUMIS). Should you choose not to obtain this insurance coverage, the applicable fixed interest rate for the loan is 6.99%. The interest rate is a fixed interest rate as low as 6.49% per annum, calculated daily on the closing loan balance and paid monthly. Weekly and biweekly payments are available. Creditor insurance coverage is governed by the terms and conditions of group policies for life insurance, disability insurance and critical illness insurance as issued by CUMIS. Cost of creditors insurance, if applicable, will be added to the loan balance. Insurance costs are dependent on borrower age and coverage type.