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Earnest Review

Find a customized quote easily

Reviews 4,046

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Sally Herigstad
Sally Herigstad
May. 03, 20214 min read

Earnest summary

With Earnest, you can apply and see student refinancing rates you qualify for in as little as 2 minutes. They are a direct lender, so your loan is funded by Earnest as well as serviced by them. Earnest also has programs to help you manage student loan repayments, such as the ability to skip one payment per year.

Pros

  • All loans are serviced in house
  • Get your interest rate in two minutes
  • Ability to skip one payment per year

Cons

  • Not available in Kentucky or Nevada
  • Strict credit score requirement
Earnestat a glance
4.6

Editorial score

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender, wide range of hours

4.0

Repayment flexibility

Offers flexible repayment plans & the option for special repayment programs

5.0

Loan Types Covered

Covers most student loan types

4.0

Eligibility

Loans available to all credit types, income levels, and loan types

5.0

Earnest Earnest View Rates

Suitable For?

Earnest student loan refinancing is suitable for borrowers who have higher interest rates on their student loans and want to take advantage of current low rates. Some borrowers with federally held loans may choose not to refinance in order to remain eligible for  benefits applicable to federally held loans.

Loan Features

Earnest offers student loan refinancing with the following features:

  • Fixed-rates from 2.50% APR with AutoPay
  • Variable-rates from 1.88% APR with AutoPay
  • Loans with minimum size of $5,000 and up ($10,000 and up in California)

The Application Process

Click the “Get Started” button and answer a few questions about your student loan needs. You’ll get an interest rate estimate in minutes, without impacting your credit score.

If you like the rate you see, you can complete the application, upload documentation, and finalize your loan. You’ll be able to choose between making your payments monthly or bi-weekly.

Loan Eligibility Requirements

The main eligibility requirements for obtaining a loan from Earnest are:

  • Age 18 or older
  • Resident of one of 48 states or the District of Columbia (all but Kentucky and Nevada)
  • Adequate income to cover expenses
  • Minimum credit score of 650 and a good financial history
  • Enrolled less than half-time and your loans are in repayment, or you will complete your degree at the end of the coming semester
  • Be a U.S. citizen or have a 10-year Permanent Resident Card

If you don’t meet the income, credit score, or U.S. citizen or residency status requirements, you may still qualify if you have a cosigner who meets these requirements.

Repayment Terms

Unlike most lenders who offer fixed loan terms, Earnest lets you choose the length of your loan. You decide how quickly you want to pay off your loan, and choose a loan length to the month. For example, you may decide you can afford to pay off your loan in 9 years and 8 months, or that may be the amount of time you had left on your previous loan. You can generally get a loan for that length of time.

The APR you pay depends on factors including your credit score. Fixed rate loans start at 2.50% APR, and variable rate loans start at 1.88% APR.

How Safe Is It?

The data you enter on the Earnest site is encrypted using industry-standard SSL technology. It is sent to servers in an off-site data center, where data is protected by firewalls, private subnets, and multi-factor authentication.

Help & Support

You can get help in three ways:

  • Submit a request using the online form
  • Use online chat
  • Call 1-(888)-601-2801 Monday - Friday, 8:00 AM to 5:00 PM PT, excluding holidays

Summary

Earnest works with you to meet your goals for refinancing your student loans. Whether it’s consolidating multiple loans, getting a better interest rate, removing a co-signer, or choosing a custom loan term to pay off your loan sooner, Earnest is there to help. They even have a Client Happiness team to help with your loan experience.

Physical Address

535 Mission St., Suite1663

San Francisco, CA 94105

Earnest Earnest View Rates

Disclaimers

AutoPay Discount Disclosure:

You can take advantage of the AutoPay interest rate reduction by setting up and maintaining active and automatic ACH withdrawal of your loan payment. The interest rate reduction for Auto Pay will be available only while your loan is enrolled in AutoPay. Interest rate incentives for utilizing Auto Pay may not be combined with certain private student loan repayment programs that also offer an interest rate reduction. For multi-party loans, only one party may enroll in AutoPay.

Lender Identification Footnote:

Earnest Loans are made by Earnest Operations LLC or One American Bank, Member FDIC. Earnest Operations LLC, NMLS #1204917. 535 Mission St., Suite 1663, San Francisco, CA 94105. California Financing Law License 6054788. Visit earnest.com/licenses for a full list of licensed states.

One American Bank, 515 S. Minnesota Ave, Sioux Falls, SD 57104. Earnest loans are serviced by Earnest Operations LLC with support from Navient Solutions LLC (NMLS #212430). One American Bank and Earnest LLC and its subsidiaries are not sponsored by or agencies of the United States of America.

© 2021 Earnest LLC. All rights reserved.

Sally Herigstad
Written bySally Herigstad

Sally has been writing about personal finance since 1998 and is the author of “Help! I Can’t Pay My Bills” (St. Martin’s Griffin). She is a licensed real estate broker in Washington state and a retired certified public accountant. She writes for BestMoney and enjoys helping readers make sense of the options on the market.‎

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ExcellentReviews 4,046
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Trustpilot reviews

See what some costumers are saying about Earnest
Earnest
AverageReviews 4,046
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Excellent
85%
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9%
Average
2%
Poor
1%
Bad
3%
  • author
    Justin Weiser
    20 minutes ago
    I have refinanced 4 times with earnest…

    I have refinanced 4 times with earnest and each time they provide the best rate by far. This most recent time, they gave me a rate of 2.8. Can't beat that. Earnest has saved me about 20,000 in intrest from what I started with and taken about 4 years off my repayment time.

    ...

  • author
    Denise M.
    5 hours ago
    So happy with our Earnest loan

    So happy with our Earnest loan. The process was very simple from start to finish. When I had questions, I was able to get someone on the phone immediately to answer them. Will definitely be recommending them to others!

    ...

  • author
    Gabriela
    8 hours ago
    Easy application process and great…

    Easy application process and great rates. No complaints!

    ...

  • author
    Jared
    12 hours ago
    It went well

    It went well. I wish they sent me a nice tshirts. SoFi has tshirts.

    ...

  • author
    JB
    13 hours ago
    Great customer service

    Great customer service. Able to talk to someone on the phone after a short wait. Representatives always see knowledgeable and help efficiently and effectively.

    ...

  • author
    Nadine Nelson
    a day ago
    Love the ease of refinancing and…

    Love the ease of refinancing and customizing your interest rate!

    ...

  • author
    J Joh
    2 days ago
    The process was quick and easy!

    The process was quick and easy, and I got a great rate on top of that!

    ...

  • author
    Carolyn
    2 days ago
    Earnest is AMAZING

    Earnest is AMAZING! I was able to refinance my student loans with them, and it was so simple! Other companies gave me higher rates and required a co-signer, but Earnest was able to get me lower rates without a co-signer! I would highly recommend it.

    ...

  • author
    Austin VanDerHeyden
    2 days ago
    Super Saver

    I had such an enormously high interest rate with Sallie Mae, and the monthly payments were terrifying me and my wife. Earnest truly saved the day and has made our student loans much more manageable.

    ...

  • author
    Tyler Griffin
    2 days ago
    Easy process but would have preferred a…

    Easy process but would have preferred a term less than 5 years but the rate was good compared to what I had previously.

    ...

  • author
    Anne Baylis
    2 days ago
    Speedy service

    Speedy service . Superb customer service

    ...

  • author
    Misty Bachinski
    2 days ago
    Refinancing with this company was quick…

    Refinancing with this company was quick and painless.

    ...

  • author
    Benjamin Brujan
    2 days ago
    Fast approval, easy application

    Painless, fast and easy process!! Best low rate in the market! Recommend to anyone!! Thank you Earnest!!!

    ...

  • author
    Jeremy Burgess
    2 days ago
    Would put 5 stars if you had an app.

    Would put 5 stars if you had an app.

    ...

  • author
    Dele Fashola
    2 days ago
    Financial Package Review

    It was very easy for me to navigate the website and review my package. The customer service team was also very thorough in their response. Thanks Earnest!

    ...

  • author
    cs
    3 days ago
    Earnest was on a list of recommended…

    Earnest was on a list of recommended student loan lenders. From first contact to completion, which was quick, everyone I spoke to was patient and had answers to my questions. Of course the best of all was getting out from the clutches of evil Nelnet, not sorry if that is considered offensive. I have room to breathe in my life now, thanks earnest!

    ...

  • author
    Joey Lord
    3 days ago
    The transition was seamless

    The transition was seamless. I got a better rate and will pay off in less time with a lower payment than if I kept my loans with the original lenders.

    ...

  • author
    Jim Oconnell
    3 days ago
    Good

    Good, relatively easy to use but wish it had informed me of the next necessary step as several times thought I was finished with the process only to get another needed step to complete.

    ...

  • author
    Taylor
    3 days ago
    I refinanced my student loans through…

    I refinanced my student loans through Earnest and it was such a quick and easy process!

    ...

  • author
    Nathan Dutro
    3 days ago
    Great

    Everything was great

    ...

  • author
    Thomas
    3 days ago
    Super easy process to refinance my…

    Super easy process to refinance my student loans. Also offered me great rates.

    ...

  • author
    Halle
    3 days ago
    So far so good.

    So far so good.

    ...

  • author
    John Litton
    3 days ago
    Site was clunky and we had to enter…

    Site was clunky and we had to enter pages repeatedly then were bounced off to start from the beginning. Rates were very high compared to Sallie Mae and several other offers.

    ...

  • author
    Lisa
    3 days ago
    I was terrified to start this process…

    I was terrified to start this process but earnest was super easy to use, and when I was having trouble online the messaging services where I could talk to someone was really convenient!

    ...

  • author
    Fairfax, VA
    3 days ago
    excellent service

    excellent service. excellent rates. No nonsense.

    ...

  • author
    Andrew F
    3 days ago
    Easy

    Easy to use and very flexible

    ...

  • author
    Katherine Arroyo
    4 days ago
    The application process was very easy…

    The application process was very easy and fast. I was expecting my loan to be approved within a few days, but it only took minutes. Your interest rates are very competitive and terms are what I had expected. I also appreciate the email updates from you, so I'm not required to log back in to see my status.

    ...

  • author
    Kiana Anderson
    4 days ago
    Improve user interface

    I like earnest overall. Good customer service and has really helped me with refinancing. I only wish there was an app or an easier way to view my account on a regular basis.

    ...

  • author
    Mark Dubben
    4 days ago
    Super fast and easy

    Super fast and easy

    ...

  • author
    Tim Ferguson
    4 days ago
    Easy to navigate and also has great…

    Easy to navigate and also has great support for any questions we are very happy.

    ...

  • author
    Brian
    Jul 20, 2021
    Always Great Service/Rates

    Always Great Service/Rates, and I love that I can refinance my earnest loan with them versus going to another company, taking about 5-10 minutes when the rates drop, after about 4 months of payments. Dropped my rate over 2 points in approximately a year with no fees.

    ...

  • author
    Gerard Soriano
    Jul 20, 2021
    Very helpful

    Very helpful, they answered your email promptly.

    ...

  • author
    Valarie
    Jul 19, 2021
    Earnest is great

    Earnest has been fairly easy to refinance through, I’ve even refinance my loans with them a second time to lower my rate. I like that they have the option to pay biweekly which makes it easier to afford and budget.

    ...

  • author
    Jay
    Jul 19, 2021
    Strong online platform with intuitive features

    Strong online platform with intuitive interface. Allows me to get or change the info I need without having to call. Quick responses with helpful and knowledgeable support. I have been with them for 5+ years and have been very happy.

    ...

  • author
    Tricia Walker
    Jul 19, 2021
    Fast and easy for my student loans!

    Fast and easy for my student loans!

    ...

  • author
    Michael Sanchez-scholes
    Jul 19, 2021
    Appreciative

    Earnest was able to help me with a private student loan to fund grad school. I am grateful they were able to help!

    ...

  • author
    Kevin Birmingham
    Jul 18, 2021
    It was straight forward

    It was straight forward. I thought the monthly rate slider was a good idea.

    ...

  • author
    Stephanie Bendeck
    Jul 18, 2021
    I always get great service with…

    I always get great service with Earnest. I refinanced my loans twice with them and got a great interest rate. I have peace of mind knowing that if I'm incapacitated or if I die, my loans will be discharged which is similar to the federal loans. I look forward to paying back my loans faster with Earnest. I wish I had done this sooner.

    ...

  • author
    Kyrollos Mekail
    Jul 18, 2021
    Great Service

    Ernest saved me a lot of money and I am happy to refinance my loan with them.

    ...

  • author
    lucy Xayathone
    Jul 18, 2021
    The loan process was quick snd went…

    The loan process was quick snd went without a hitch I forgot to show retirement 403 income and received an even better rate after it was reviewed. This was all thinks to the customer service representatives recommendation. Earnest provided the best rate as well.

    ...

  • author
    customer
    Jul 17, 2021
    Very quick and easy process!

    Very quick and easy process!

    ...

  • author
    Adam Linck
    Jul 17, 2021
    Very simple efficient and timely!!

    Very simple efficient and timely!!

    ...

  • author
    Ryan Howard
    Jul 17, 2021
    Happy Client!

    I've been an Earnest client for nearly 2.5 years now and have had a very positive experience. From my first refinance back in January 2019 to my most recent refinance July 2021 [down nearly 2.5%!!!, they have great rates], their customer service representatives and online tools make the process simple and convenient. I would highly recommend Earnest to anybody looking to refinance their student loan debt.

    ...

  • author
    Jade
    Jul 17, 2021
    Earnest does not have an app and can't…

    Earnest does not have an app and can't find anywhere how to pay only finding the date I need to pay by.

    ...

  • author
    Reed
    Jul 16, 2021
    Easy refi

    Easy refi, highly recomended

    ...

  • author
    John Hall
    Jul 16, 2021
    Easy process/ quick approval

    Easy process/ quick approval

    ...

  • author
    Jeffrey McDonald
    Jul 16, 2021
    Best Option Out There

    Lowest rate. Easiest interface. Helpful people.

    ...

  • author
    Lori
    Jul 16, 2021
    Quick and easy process

    Quick and easy refinance application process. Great rates.

    ...

  • author
    Marisa Marek
    Jul 16, 2021
    Easy application process and great…

    Easy application process and great payment options!

    ...

  • author
    Lex King
    Jul 15, 2021
    Super friendly service with convenience

    Super friendly service with convenience

    ...

  • author
    Patricia
    Jul 15, 2021
    Student Loan Refinance

    I have refinanced my student loan through Earnest several times. I get many offers to apply for refinancing to get a lower interest rate. I check them to see, and Earnest has never been beaten for the lowest rate. In addition, they have the best customer service out there. Not just in financing student loans, but of any company I deal with. I appreciate how easy it is to do business with the company, the representatives are always knowledgeable and friendly when I call, and I rarely have to call, because it's so easy to handle things online. Truly the best company to do business with.

    ...

  • author
    Alyssa Schultz
    Jul 15, 2021
    Don't trust the Customer Service representatives.

    The refinance was easy; however, when I needed some information from their Customer Service representatives, I was given false information multiple times. I was told they would get back to me within 24 hours....that didn't happen either. I've not spoken with 3 separate representatives and I am no closer to resolution.

    ...

  • author
    D Dabandan
    Jul 15, 2021
    Quick refinance process!

    Application process was quick! Didn't have to talk to a live person. Communication and documentation upload all done online. Rates were lower at Earnest than another lender! I saved a lot of money with a shorter term. Thank you so much Earnest!

    ...

  • author
    Tara Walczak-Daege
    Jul 15, 2021
    Incredibly easy process!

    Incredibly easy process!

    ...

  • author
    Kaeleen Boggs
    Jul 15, 2021
    Everyone is so helpful

    Everyone is so helpful and the opportunity earnest gave me to pay off my student loans was life saving. Thank you.

    ...

  • author
    John Devine
    Jul 15, 2021
    Very smooth process

    Very smooth process

    ...

  • author
    Ajeng Mahardiyanti
    Jul 15, 2021
    Thanks for making me save up so much…

    Thanks for making me save up so much money on my student loans!!

    ...

  • author
    Austin Ray
    Jul 15, 2021
    Just want to say that I’m so incredibly…

    Just want to say that I’m so incredibly grateful for Earnest and being able to get my loans refinanced!

    ...

  • author
    Aaron
    Jul 15, 2021
    Fantastic support

    Fantastic support! The help submitting my referral after I had accepted my loan was awesome. Great rate, easy to use. Keep up the customer support!

    ...

  • author
    Gregory Lachcik
    Jul 15, 2021
    Great quick service with a good rate.

    Great quick service with a good rate.

    ...

  • author
    Debanjan Mukhopadhyay
    Jul 15, 2021
    Quick and clear feedback

    Quick and clear feedback. Keep it up!

    ...

  • author
    customer
    Jul 15, 2021
    Everything was smooth and simple to…

    Everything was smooth and simple to refinance my student loans.

    ...

  • author
    Jinal Shah
    Jul 14, 2021
    Thank you so much earnest for helping…

    Thank you so much earnest for helping me with my loan procedure and approving it, everything was done effortlessly with ease and within no time. Would highly recommend anyone to use their services, extremely happy with their service 😊

    ...

  • author
    Mary E
    Jul 14, 2021
    The process to obtain a grad student…

    The process to obtain a grad student loan was the smoothest and quickest process I've ever gone through with any financial institution.

    ...

  • author
    maria ferguson
    Jul 14, 2021
    He was very helpful on answering my…kudos for you Ernest

    He was very helpful on answering my questions and even stayed on the phone until I was able to log in.

    ...

  • author
    Caroline Clark
    Jul 14, 2021
    This was very easy to do

    This was very easy to do and understand. I felt I got a very improved rate and could choose a plan that aligned with my goals

    ...

  • author
    Hailey Wolfe
    Jul 14, 2021
    Amazing costumer service

    Amazing costumer service. Staff helpful and positive. Beautiful company! Thank you sofi

    ...

  • author
    Pankaj Vats
    Jul 14, 2021
    I am an international student who applied for Earnest's Loan

    I am an international student who applied for the MBA Loan via Juno. Earnest was very accommodating with international students. I was able to secure a loan without SSN or ITIN. A special thanks to Nikhil, founder of Juno, and the Earnest team who helped us with such a competitive rate. Kudos to the entire team that worked behind the scene to accomodate the international students!

    ...

  • author
    Manali Patel
    Jul 14, 2021
    Very quick to apply and got a good…

    Very quick to apply and got a good rate. I highly recommend using Earnest.

    ...

  • author
    Paul Peterson
    Jul 14, 2021
    Student loans

    My son recently applied for a student loan. Earnest’s process was straightforward and efficient, their decision was very fast, and their documenting and disbursement processes were smooth - plus their rates and terms were very competitive. I would use them again and recommend them to friends. Thanks

    ...

  • author
    Eric
    Jul 14, 2021
    I was able to refinance as soon as my…

    I was able to refinance as soon as my job started. Absolutely loved how easy and quick it was.

    ...

  • author
    Jonathan Ufeli
    Jul 14, 2021
    Swift Service

    Swift Service

    ...

  • author
    Robert Holloway
    Jul 14, 2021
    Refinancing my student loans was super…

    Refinancing my student loans was super easy!! The website is easy to navigate...it was a pleasure doing business with Earnest!

    ...

  • author
    Shelby Rowland
    Jul 14, 2021
    Applying online was fast and easy

    Applying online was fast and easy! Clear and definitive instructions and follow-up. Fast approval!

    ...

  • author
    MATT P
    Jul 14, 2021
    Simple, Quick, Low Rates

    Simple, quick, and straightforward way to refinance student loans. Took a whole 30 minutes to complete application, the. Just sat back and waiting for everything else to go through. Earnest also had the lowest rates available while I was shopping around.

    ...

  • author
    Josh
    Jul 13, 2021
    Loan Refinance

    Earnest got me approved rapidly for a very large amount student loan refinance with a great rate without a cosigner. Other lenders refused offers based on the amount of debt, but Earnest was willing to offer the loan based on my prospective income. Thank you!

    ...

  • author
    Penny Iuliano
    Jul 13, 2021
    People oriented and Efficient

    I recently refinanced an existing loan. Once I got all my information together it was a speedy process with a great new rate. This is a customer service oriented company with good business practice as well. I highly recommend. Penny I.

    ...

  • author
    Greg Flajnik
    Jul 13, 2021
    Loan Process

    Easy to navigate website with good communication from the team during the application process

    ...

  • author
    Mike Capellupo
    Jul 13, 2021
    You guys were exceptional making this…

    You guys were exceptional making this quick and easy for me. Saved me about 170 a month an I appreciate that! Thank you again!

    ...

  • author
    SB
    Jul 13, 2021
    The rates were good

    The rates were good, the process of submitting an application was easy as well.

    ...

  • author
    Angela Murray
    Jul 13, 2021
    Easy Process

    The process for student loan was quick and on my time schedule. Thank you!

    ...

  • author
    James
    Jul 12, 2021
    It was simple and quick to do my son…

    It was simple and quick to do my son already set everything up and all I had to do was sign the paper

    ...

  • author
    Geetha P
    Jul 12, 2021
    Very easy to use and really fast turnaround

    Very easy to use and really fast turnaround. Will absolutely use them again.

    ...

  • author
    GM
    Jul 12, 2021
    Simple and stress-free.

    Simple and stress-free.

    ...

  • author
    A. rodriguez
    Jul 12, 2021
    FAST

    FAST, EASY PROCESS, INCREDIBLE DISCOUNT RATE!! WENT FROM 6.4% INTEREST WITH FEDLOAN, DONT TO 3% WITH EARNEST. SO HAPPY!

    ...

  • author
    Josh
    Jul 12, 2021
    I had a great experience

    I had a great experience. The process was quick and efficient!

    ...

  • author
    Liam Harrison
    Jul 12, 2021
    easy

    easy, quick, secure transactions, great rate

    ...

  • author
    Adin Van Deursen
    Jul 11, 2021
    Had a hard time on the website getting…

    Had a hard time on the website getting banking information in. Would have liked another alternative like paper

    ...

  • author
    Sarah King
    Jul 11, 2021
    They approved me for a loan when others…

    They approved me for a loan when others would not and at a lower rate! Taking longer than expected to finalize pay out.

    ...

  • author
    David Wichman
    Jul 11, 2021
    Great

    Was very satisfy with the overall experience.

    ...

  • author
    Denise Jacobson
    Jul 11, 2021
    Refinancing has never been easier!

    I begun the refinance process with trepidation. I had tried to refinance a few times and I didn't get far due to all the fees, delays in communication or unclear communication and high interest rates even though I have great credit. Earnest made everything so easy!! Answered all my questions immediately and not only no hidden fees....there were no fees! I highly recommend Earnest.

    ...

  • author
    MICHELLE SHIREMAN
    Jul 10, 2021
    Very happy with new student loans

    Very happy with refinancing my student loans. Saved me a lot of money and you can refinance every 4 months which helped me get a smaller interest rate and monthly payment!

    ...

  • author
    customer
    Jul 10, 2021
    Earnest is helping me shave of years of…

    Earnest is helping me shave of years of debt and save over 30k in interest charges that fed loans attempted to charge. Every time I’ve called in all the representatives are beyond willing to help me and answer all my questions throughly!

    ...

  • author
    Anthony D
    Jul 10, 2021
    Great job!

    Great job! You were easy to work with and helpful throughout the process.

    ...

  • author
    M. James
    Jul 10, 2021
    Great rates and Easy Process

    Great rates, quick response and super easy application process!

    ...

  • author
    Brittany White
    Jul 09, 2021
    Excellent

    Excellent, efficient and easy

    ...

  • author
    Mary
    Jul 09, 2021
    Earnest was easy to understand and…

    Earnest was easy to understand and customer service was great! I heard about it from Standout College Prep, which is a fantastic college counselor service that helps guide you through the college application process and financial help, hence Earnest!

    ...

  • author
    Jes Malik
    Jul 09, 2021
    Very easy and quick and helped me shave…

    Very easy and quick and helped me shave 2 years off my loan!

    ...

  • author
    Phil
    Jul 09, 2021
    Great rates!!!

    Great rates!!!

    ...

  • author
    Alexander Battisti
    Jul 08, 2021
    Simply the best rates and easiest…

    Simply the best rates and easiest process. Can't recommend it enough.

    ...

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    This site is not a loan provider or a broker and does not offer loans or mortgages directly to end users, but only allows users to match with lending partners and platforms that may extend a loan. All loan approval decisions and terms are determined by the loan providers at the time of your application with them. Any matching request submitted through our website does not constitute a loan application and you will have to submit a loan application to the respective lender before the lender provides you with an actual offer. We do not warrant that you will be approved for a loan, nor that you will be offered a loan with the same terms presented on our website. Lenders listing in this website DO NOT imply endorsement. Certain details, including but not limited to loan terms, prices and special offers, are provided to us directly from our partners and are dynamic and subject to change at any time without prior notice

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