^***SPECIAL OFFER – Any incentives offered consist of a developer credit off the purchase price. Incentive price offered expires after 7 days from resort sales tour (in-person or telephonic). Incentives affect the purchase price of the Disney Vacation Club ownership interest you select but are not related to loan terms you may qualify for. Incentives are subject to expiration dates and minimum purchase amounts may apply. Some include additional eligibility requirements and may not be combinable. Consult a Sales Cast Member for available incentives and details.

CLOSING COSTS AND OTHER FEES – Estimated closing costs shown above are based on a cohabiting couple purchasing together. Actual closing costs vary. Figures shown may include a $300 document preparation fee. If you qualify for financing and choose to finance the closing costs, the document preparation fee will also be financed.

^**ANNUAL DUES – Estimated monthly amount shown is based on the current annual dues amount. Requires enrollment in autopay from a U.S. bank account. In the first year of purchase, annual dues and/or monthly dues are prorated for the year and will differ based on the date of purchase. Annual dues are calculated each year and are subject to increase in future years. Any financing terms shown do not include annual dues, which are charged separately.

^*SAMPLE LOAN CALCULATION: ASSUMPTIONS – The sample loan above is for purchase of an ownership interest at Disney’s Polynesian Villas & Bungalows symbolized by 100 Vacation Points. Based on 10% down with a $22,603 loan and a 15-year term. Other resorts are available. Financing is available to qualified purchasers; not available to Delaware residents. Some state minimum and maximum loan amounts will apply. The sample costs and terms do not constitute and are not a substitute for a loan estimate, which includes an estimate of closing costs you will receive once you apply for a loan. This is not a loan approval or commitment to lend to you. The actual fees, costs and monthly payment amount on your specific loan transaction may differ and will depend on the final contract terms.

INTEREST RATE – The Preferred rate shown above requires the applicant to meet the following requirements, among certain other criteria: (1) minimum credit score of 675 - 724, (2) current on any existing mortgages, (3) no open bankruptcy, (4) within the past 7 years, no closed bankruptcy and no foreclosure or deed-in-lieu of foreclosure on any Disney Vacation Club ownership interest that is or was owned by applicant, (5) no other foreclosures in the prior 3 years. You may still qualify for financing even if your situation doesn’t match our assumptions. Your loan’s interest rate will depend upon the specific characteristics of your loan transaction and your payment history. Other restrictions may apply.

APR – The Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. The APR for the sample loan above assumes a purchase today with a projected closing in 30 days and closing costs and document preparation fee included in the financed amount. Other financing terms are available, which may change the APR.

ACH RATE – The interest rate may be reduced by .50% if automated electronic monthly payments from a U.S. bank account are selected at the time of purchase and maintained for the term of the loan. Automated electronic payments are not required to obtain a loan. This program is subject to change.

PAYMENT CYCLE DAY – The sample loan assumes a monthly installment due date of the 1st of the month.

DOWN PAYMENT – Down payment of at least 10% is required for loan closing and is calculated based on the Net Purchase Price (number of Vacation Points multiplied by the price-per-point minus any incentive credit). Credit(s) from incentive(s) will not apply toward the down payment required.

Saving 50% or More – Savings are based on a cash purchase of an ownership interest at a featured Disney Vacation Club resort, including closing costs and annual dues, with enough points for a 4-night stay at the Home Resort purchased, every year for the Membership term, compared with renting the same accommodations for the same nights at the non-discounted rental rate plus tax. Assumes an annual increase of 4.8% in the rental rate and annual dues. Based on these assumptions, in most cases savings can begin approximately 6 to 14 years after purchase and may add up to 50% or more over the Membership term. Prices, rates, dues, and other terms may change in ways that could adversely affect the savings.