Application and Solicitation Disclosure

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Private Education Loan Application and Solicitation Disclosure SunTrust Bank

One Cabot Road, 2nd Floor Medford, MA 02155-5141 866-232-3889

Loan Interest Rate & Fees

Your starting interest rate will be between 2.850% and 9.990% After the starting rate is set, your rate will then vary with the market

Your Starting Interest Rate (upon approval)

The starting interest rate you pay will be determined after you apply. It will be based on your credit history and other factors (presence of cosigner, cosigner credit history, if applicable, repayment option, repayment loan term, loan amount). If approved, we will notify you of the rate you qualify for within the stated range.

Your Interest Rate during the life of the loan

Your rate is variable. This means that your rate could move

lower or higher than the rates on this form. The variable rate is based upon the One-Month LIBOR Rate (as published in

The Wall Street Journal). ). For more information on this

rate, see the Reference Notes.

The rate will vary after you are approved and there is no limit on the amount the interest rate can increase.

Loan Fees

Late Charge: 5% of the monthly payment if not made on or before the

10th day after its due date.

Loan Cost Examples

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides estimates based upon four repayment options that may be available to you while enrolled in school.

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Student Loan Application file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:21:54 PM] Option (while enrolled in school) Amount Provided (amount provided directly to you or your school) Interest Rate (highest possible starting rate) Loan Term

(how long you have to pay off the loan)

Total Paid

1.

DEFER PAYMENTS

Make no payments while enrolled in school. Interest will be charged and added to your loan. $10,000.009.990% 20 Years starting after the deferment period $32,980.72 2.

PAY ONLY THE INTEREST

Make interest payments but defer payments on the principal amount while enrolled in school. $10,000.008.740% 20 Years starting after the deferment period $24,906.78 3.

PAY PARTIAL INTEREST

Make partial interest payments of $25, but defer payments on principal and remaining interest while enrolled in school.

Unpaid interest will be added to your loan. $10,000.009.870% 20 Years starting after the deferment period $30,943.55 4. MAKE FULL PAYMENTS

Pay both the principal and interest amounts.

$10,000.007.430%

20 Years starting with the first payment

$19,232.33

About this example

This repayment example assumes that you remain in school for 45 months and have a 6 month grace period before entering repayment. It is based on the highest starting rate currently charged. Depending on your loan amount and other factors, repayment may last up to 20 years, starting with the initial principal and interest payment.

Federal Loan Alternatives

Loan

program

Current Interest Rates by Program Type PERKINS for Students 5% fixed STAFFORD for Students 3.4% fixed 6.8% fixed Undergraduate subsidized Graduate & Undergraduate unsubsidized PLUS

for Parents and Graduate/Professional Students

7.9%

fixedFederal Direct Loan

You may qualify for Federal education loans. For additional

information,

contact your school's financial aid office or the Department of Education at:

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Student Loan Application

file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:21:54 PM]

Next Steps

1. Find Out About Other Loan Options.

Some schools have school-specific student loan benefits and terms not detailed on this form. Contact your school's financial aid office or visit the Department of Education's website at:

www.federalstudentaid.ed.gov for more information about other loans.

2. To Apply for this Loan, Complete the Application and the Applicant Self-Certification Form.

You may obtain the Applicant Self-Certification form from your school's financial aid office or as part of this application process. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law).

REFERENCE NOTES

Variable Interest Rate:

This loan has a variable interest rate that is based on the One-Month London Interbank Offered Rate (LIBOR) index which is published in the "Money Rates" section of The Wall Street Journal (Eastern Edition) and will be equal to the One-Month LIBOR rate published on the 25th day (or if such 25th day is not a business day, the next business day thereafter) of the month immediately preceding such calendar month, rounded up to the nearest one-eighth of one percent (0.125%).

This loan has a Variable Rate. The Variable Rate is determined by (1) your (or your cosigner's, if applicable) credit history, (2) the Repayment Option you choose and (3) the Repayment Term you choose.

Your interest rate will be calculated each month by adding your margin (which can range from 2.60% to 9.74%, depending upon your or your cosigner's credit history) to the current One-Month LIBOR index.

Your interest rate may increase or decrease monthly if the One-Month LIBOR index changes, which will affect your monthly payment.

The interest rate will not increase more than once a month, but there is no limit on the amount that the rate could increase at one time.

Interest rates are typically higher without a cosigner.

Eligibility Criteria:

If you are no longer enrolled, or will not be enrolled within the next month, you may be offered only the "Make Full Payments" option. Borrower:

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age with a cosigner who is the legal age of majority. Age of majority is determined by your state of permanent residence:

18 years of age in most states 19 years of age in Alabama

19 years of age in Nebraska if you are a ward of the state

21 years of age in Mississippi and Puerto Rico Cosigner:

All cosigners must be the legal age of majority. Age of majority is determined by your state of permanent residence:

21 years of age in Mississippi and Puerto Rico

Bankruptcy Limitations:

If you (borrower or cosigner) file for bankruptcy you may still be required to pay back this loan.

More information about loan eligibility and repayment deferral or forbearance options is available in your loan application and credit agreement.

ADDITIONAL IOWA STUDENT LOAN DISCLOSURES

A. Co-signer Requirements

A co-signer is required for this student loan if you do not meet our credit requirements on your own, for example, credit history, income and/or employment requirements.

B. Repayment of Loan Information

Immediate Repayment - First payment of principal and interest

begins 30-60 days after the final disbursement of the Loan.

Interest Only - Interest payments begin 30-60 days after the first

disbursement of the Loan, and Principal and interest payments begin the month after the Deferment End Date. The Deferment End Date will be the date you first graduate or cease to be enrolled at least half-time in the School (or another Title IV eligible school), but no more than 66 months after the first Disbursement Date.

Partial Interest - Partial interest payments of $25.00 begin 30-60

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Disbursement Date.

Full Deferral - First payment of principal and interest begins

30-60 days after the Deferment End Date. The Deferment End Date will be 6 months after you graduate or cease for any other reason to be enrolled at least half-time in the School (or another Title IV eligible school), but no more than 66 months after the first Disbursement Date.

You can prepay your loan in whole or part at any time without penalty.

C. Additional Terms and Conditions

Your loan is subject to all of the terms and conditions of your Credit Agreement. Please read your Credit Agreement carefully, it may include terms under which the interest rate on the loan may change. To obtain a copy of your Credit Agreement, please write to SunTrust Bank, P.O. Box 848108, Boston, MA 02284-8108. D. Consequences of Loan Default

There are serious consequences if you default on this loan. For example, under normal circumstances, student loans are not dischargeable in bankruptcy. In order to discharge a loan in bankruptcy, the borrower must prove undue hardship in an adversary proceeding before the bankruptcy court.

Additional consequences of default on this loan include: Lender may report the late payment history to credit reporting agencies, which will adversely affect your credit rating and ability to get more credit

Interest will continue to accrue on the outstanding principal balance

Lender may take legal action

Borrower may become ineligible for further loans from the lender

Full amount of the loan may become due immediately E. Lender Contact Information

SunTrust Bank P.O. Box 848108

Boston, MA 02284-8108 866-232-3889

http://www.suntrusteducation.com/customchoice

Private Education Loan Application and Solicitation Disclosure SunTrust Bank

One Cabot Road, 2nd Floor Medford, MA 02155-5141 866-232-3889

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Student Loan Application file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:21:54 PM] Your interest rate will be between 3.400% and 13.490% After the rate is set, it will be fixed for the entire term of the loan.

Your Interest Rate (upon approval)

The interest rate you pay will be determined after you apply. It will be based on your credit history and other factors (presence of a cosigner, cosigner credit history, if applicable, repayment option, repayment loan term, loan amount). If approved, we will notify you of the rate you receive within the stated range.

Your rate is fixed. This means that your interest rate will

never change during the life of your loan. For more information on this rate, see the Reference Notes. Your rate will never change after you are approved. Loan Fees

Late Charge: 5% of the monthly payment if not made on or before the

10th day after its due date.

Loan Cost Examples

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides estimates based upon four repayment options that may be available to you while enrolled in school. Repayment Option (while enrolled in school) Amount Provided (amount provided directly to you or your school) Interest Rate (highest possible starting rate) Loan Term

(how long you have to pay off the loan) Total Paid (includes associated fees) 1. DEFER PAYMENTS

PAY ONLY THE INTEREST

Make partial interest payments of $25, but defer payments on principal and remaining interest while enrolled in school. Unpaid interest will be added to your loan.

$10,000.0013.160% 20 Years starting after the deferment period $41,948.21 4. MAKE FULL PAYMENTS

$10,000.0011.610%

20 Years

starting with the first payment

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file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:21:54 PM] About this example

This repayment example assumes that you remain in school for 45 months and have a 6 month grace period before entering repayment. It is based on the highest starting rate currently charged. Depending on your loan amount and other factors, repayment may last up to 20 years, starting with the initial principal and interest payment.

Federal Loan Alternatives

Loan

program

7.9%

information,

www.federalstudentaid.ed.gov

Next Steps

You may obtain the Applicant Self-Certification form from your school's financial aid office or as part of this application process. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law).

REFERENCE NOTES

Fixed Interest Rate:

This loan has a Fixed Interest Rate. The Fixed Interest Rate is determined by (1) your (or your cosigners, if applicable) credit history, (2) the Repayment Option you choose and (3) the Repayment Term you choose. Your interest rate will not change during the life of your loan.

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file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:21:54 PM] Eligibility Criteria:

If you are no longer enrolled, or will not be enrolled within the next month, you may be offered only the "Make Full Payments" option. Borrower:

Must be enrolled at an eligible school at least half-time. Must be of the legal age of majority or at least 17 years of age with a cosigner who is the legal age of majority. Age of majority is determined by your state of permanent residence:

21 years of age in Mississippi and Puerto Rico Cosigner:

All cosigners must be the legal age of majority. Age of majority is determined by your state of permanent residence:

21 years of age in Mississippi and Puerto Rico

Bankruptcy Limitations:

ADDITIONAL IOWA STUDENT LOAN DISCLOSURES

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begin the month after the Deferment End Date. The Deferment End Date will be the date you first graduate or cease to be enrolled at least half-time in the School (or another Title IV eligible school), but no more than 66 months after the first Disbursement Date.

days after the first disbursement of the Loan, and principal and interest payments begin the month after the Deferment End Date. The Deferment End Date will be the date you first graduate or cease to be enrolled at least half-time in the School (or another Title IV eligible school), but no more than 66 months after the first Disbursement Date.

Your loan is subject to all of the terms and conditions of your Credit Agreement. Please read your Credit Agreement carefully, it may include terms under which the interest rate on the loan may change. To obtain a copy of your Credit Agreement, please write to SunTrust Bank, P.O. Box 848108, Boston, MA 02284-8108. D. Consequences of Loan Default

SunTrust Bank P.O. Box 848108

Boston, MA 02284-8108 866-232-3889

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Loan Interest Rate & Fees

Wells Fargo Collegiate

®

Loan Application and Solicitation Disclosure

Your Interest Rate (upon approval)

The interest rate you pay will be determined after you apply. It will be based upon your credit history and other factors including cosigner credit and your/cosigner's relationship with the Bank. If approved, we will notify you of the rate you qualify for within the stated range.

Your Interest Rate during the life of the loan. Your rate is fixed. This means that your interest rate will never change during the life of your loan. For more information on this rate, see the Reference Notes.

Education Financial Services P.O. Box 5185

Sioux Falls, SD 57117-5185

1-800-658-3567

FAX: 1-800-456-0561

Loan Cost Examples

1. DEFER PAYMENTS

Make no payments while enrolled in school. Interest will be charged and added to your loan

2. PAY ONLY THE INTEREST

Make interest payments but defer payments on the principal amount while enrolled in school

3. MAKE FULL PAYMENTS

Pay both the principal and interest amounts while enrolled in school

$ % $ $ % % $ $ $ About this example

The repayment example assumes that you remain in school for years and have a month grace period before beginning repayment of the year repayment term. It is based on the highest rate currently charged and associated fees.

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides estimates based upon three (3) different repayment options available to you while enrolled in school.

years

starting after the deferment period

years

starting after your first payment

Page 1 of 4 Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A.

and

After the rate is set, it will be fixed for the entire term of the loan.

% %

Amount Provided

(amount provided directly to you or your school)

Total Paid over 15 years

(includes associated fees)

Loan Term

Interest Rate

(highest possible rate)

Repayment Option

Your rate will not change after you are approved.

Loan Fees

Application Fee: $99.99 Origination Fee:The fee that we charge to make this loan is 99.999 %. Loan Guarantee Fee: 99.999% Repayment Fee: 99.999% Late Charge: 99.999% of the amount of the past due payment, or $ 99.99,

whichever is greater. Returned check charge: $ 99.99.

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Federal Direct Loan Alternatives

You may qualify for Federal education loans.

For additional information on student loan options, contact

your school’s financial aid office or the Department of Education at:

Next Steps

Some schools have school-specific student loan benefits and terms that are not detailed on this form. Contact your school’s financial aid office or visit the Department of Education’s website at www.federalstudent.aid.ed.gov for more information about other loans.

2. To Apply For This Loan, Complete the Application and the Borrower Self-Certification Form.

You may get the certification form from your school’s financial aid office. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law and the variable interest rate may change based on the market).

Reference Notes

Your Interest Rate

Wells Fargo Relationship Discount - The Wells Fargo Relationship Discount will apply if the borrower or any

cosigner has and maintains a Qualified Relationship with the Bank. Please ask the Bank about what constitutes a "Qualified Relationship" if you have any questions about this feature. Further Relationship Discount details are set forth in the Loan Request/Consumer Credit Agreement.

Eligibility Criteria

Borrower:

Must be enrolled as an undergraduate or graduate student at an eligible school, and seeking a degree, certificate, or license.

Must be a U.S. Citizen, permanent resident alien without conditions, or an international student who is a temporary resident alien with a current U.S. address and with proper evidence of eligibility. For permanent and temporary resident aliens, a U.S. citizen cosigner is required.

Must have a cosigner, unless you qualify on your own by meeting credit, debt to income, and employment requirements.

Must be at the age of majority or older at the time of the application. The age of majority is 18 years old in all states except Alabama and Puerto Rico. The age of majority in Alabama is 19. The age of majority in Puerto Rico is 21.

Cosigner:

Most students will need a cosigner for this loan to meet underwriting requirements. Rates are typically higher without a cosigner; however, cosigners are not required for qualifying student borrowers.

Bankruptcy Limitations

If you file for bankruptcy you may still be required to pay back this loan.

More information about loan eligibility and repayment deferral or forbearance options is available in your loan request/consumer credit agreement.

PERKINS

For Students

Current Interest Rates by Program Type Loan Program

Federal Direct Loan STAFFORD

For Students

Federal Direct Loan PLUS

For Parents and Graduate/ Professional Students

% fixed

% fixed Undergraduate Subsidized

% fixed Undergraduate Unsubsidized; Graduate Subsidized & Unsubsidized % fixed

5.00

3.40 6.80

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Loan Interest Rate & Fees

Wells Fargo Collegiate

®

Loan Application and Solicitation Disclosure

Your Interest Rate during the life of the loan.

Your rate is variable. This means that your rate could move

lower or higher than the rates on this form. The variable rate is based upon the Prime Rate (a publicly available interest rate we use to set the variable rate).

Education Financial Services P.O. Box 5185

Sioux Falls, SD 57117-5185

1-800-658-3567

FAX: 1-800-456-0561

There is no maximum interest rate on this loan.

Loan Cost Examples

Make no payments while enrolled in school. Interest will be charged and added to your loan

Make interest payments but defer payments on the principal amount while enrolled in school

Pay both the principal and interest amounts while enrolled in school

$ % $ $ % % $ $ $

years

and

After the starting rate is set, your rate will then vary with the market.

% %

Amount Provided

(amount provided directly to you or your school)

Total Paid over 15 years

Loan Term

Interest Rate

(highest starting possible rate)

Repayment Option

Your Starting Interest Rate (upon approval) The starting interest rate you pay will be determined after you apply. It will be based upon your credit history and other factors including cosigner credit and your/cosigner's relationship with the Bank. If approved, we will notify you of the rate you qualify for within the stated range.

The repayment example assumes that you remain in school for years and have a month grace period before beginning repayment of the year repayment term. It is based on the highest starting rate currently charged and associated fees.

Loan Fees

Application Fee: $99.99 Origination Fee:The fee that we charge to make this loan is 99.999 %. Loan Guarantee Fee: 99.999% Repayment Fee: 99.999% Late Charge: 99.999% of the amount of the past due payment, or $ 99.99,

whichever is greater. Returned check charge: $ 99.99.

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Federal Direct Loan Alternatives

For additional information on student loan options, contact

your school’s financial aid office or the Department of Education at:

Next Steps

Some schools have school-specific student loan benefits and terms that are not detailed on this form. Contact your school’s financial aid office or visit the Department of Education’s website at www.federalstudent.aid.ed.gov for more information about other loans.

2. To Apply For This Loan, Complete the Application and the Borrower Self-Certification Form.

You may get the certification form from your school’s financial aid office. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law).

Reference Notes

Variable Interest Rate

This loan has a variable interest rate, that is based on a publicly available index, the Prime Rate. Your rate will be calculated each month by adding a margin between % and % to the Prime Rate. The Index (which is equal to the Prime Rate) is subject to a contractual minimum of %.

The rate will not increase more than once a month, but there is no limit on the amount that the rate could increase at one time. Wells Fargo Relationship Discount

The Wells Fargo Relationship Discount will apply if the borrower or any cosigner has and maintains a Qualified Relationship with the Bank. Please ask the Bank about what constitutes a "Qualified Relationship" if you have any questions about this feature. Further Relationship Discount details are set forth in the Loan Request/Consumer Credit Agreement.

Eligibility Criteria Borrower:

Must be enrolled as an undergraduate or graduate student at an eligible school, and seeking a degree, certificate, or license. Must be a U.S. Citizen, permanent resident alien without conditions, or an international student who is a temporary resident alien with a current U.S. address and with proper evidence of eligibility. For permanent and temporary resident aliens, a U.S. citizen cosigner is required.

Must have a cosigner, unless you qualify on your own by meeting credit, debt to income, and employment requirements. Must be at the age of majority or older at the time of the application. The age of majority is 18 years old in all states except Alabama and Puerto Rico. The age of majority in Alabama is 19. The age of majority in Puerto Rico is 21.

Cosigner:

Most students will need a cosigner for this loan to meet underwriting requirements. Rates are typically higher without a cosigner; however, cosigners are not required for qualifying student borrowers.

If you file for bankruptcy you may still be required to pay back this loan.

More information about loan eligibility and repayment deferral or forbearance options is available in your loan request/ consumer credit agreement.

PERKINS

For Students

Current Interest Rates by Program Type Loan Program

Federal Direct Loan Stafford

For Students

Federal Direct Loan PLUS

For Parents and Graduate/ Professional Students

% fixed

% fixed Undergraduate Subsidized

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The PNC Solution Loan for Undergraduates Application and Solicitation Disclosure

PNC Bank, National Association 2600 Liberty Avenue Suite 200 Pittsburgh, PA 15222

Loan Interest Rate & Fees

Your starting interest rate will be between 3.570% and 11.270% After the starting rate is set, your rate will then vary with the market.

Your Starting Interest Rate (upon approval)

The starting Interest Rate you pay will be determined after you apply. The rate will be established by your credit history (and your cosigner’s if applicable). If approved, we will notify you of the rate you qualify for within the stated range.

Your Interest Rate during the life of the loan

Your rate is variable. This means that your actual rate varies with the

market and could be lower or higher than the rate on this form. The variable rate is based upon the average of the LIBOR rates published in the "Money Rates" section of The Wall Street Journal on the first business day of each of the three (3) immediately preceding calendar months. For more information on this rate, see Reference Notes.

Loan Fees

Origination Fee 0%. Late Charges: 5% of the past due amount or $5.00, whichever is less. Collection and Default Charges: In the event of a default, the borrower may incur additional collection charges as permitted under applicable law.

Loan Cost Examples

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides estimates based upon three (3) repayment options available to you while enrolled in school.

Repayment Option (while enrolled in school)

Amount Provided (amount provided directly to you or your school) Interest Rate (highest possible starting rate) Loan Term

Total Paid over 180 months

Make no payments while enrolled in school. Interest will accrue and unpaid accrued interest will be added to your principal balance when you enter repayment.

$10,000 11.270% 180 months

$31,593.60

Make interest payments but defer payments on the principal amount while enrolled in school.

$10,000 11.270% 180 months

$25,623.36

Make principal and interest payments while enrolled in school.

$10,000 11.270% 180 months

starting after the final disbursement

$21,052.80

The repayment example assumes you remain in school for forty-eight (48) months and have a six (6) month grace period prior to entering repayment. The repayment example is based on the highest starting rate currently charged and associated fees.

SEE BACK OF PAGE

Although the rate will vary after you are approved, it will never

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Federal Loan Alternatives

Loan Program Current Interest Rates by Program Type PERKINS

for Students

5.000% fixed STAFFORD

for students

3.400% fixed Undergraduate subsidized

6.800% fixed Undergraduate unsubsidized & Graduate

PLUS

for Parents and Graduate/ Professional Students

7.900% fixed

For additional information, contact

your school’s financial aid office or the Department of Education at:

Next Steps

1. Find Out About Other Loan Options.

2. To Apply for this Loan, Complete the Application and the Self-Certification Form.

You may get the certification form from your school's financial aid office. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law and the variable interest rate may change based on the market).

REFERENCE NOTES Variable Interest Rate

• The variable interest rate is based upon the LIBOR index plus a margin of 3.300% to 11.000% based on creditworthiness, and is adjusted quarterly.

• The rate will not increase more than once a quarter, but there is no limit on the amount that the rate could increase at one time. Your rate will never exceed 18.000%.

Eligibility Criteria

• Borrower and cosigner, if applicable, must be US citizens or permanent resident aliens.

• Borrower must be at least the age of majority in his or her state of residence or be at least 17 years old and apply with a creditworthy cosigner who is the age of majority.

• Borrower must be enrolled at least half time and in an eligible program.

• Both borrower and cosigner, if applicable, are subject to credit approval. Additional documentation may be required. • Applying without a cosigner typically results in a higher rate and/or fees.

• The borrower on an individual application and the cosigner on a joint application must have an employment history of at least two years.

• If you file for bankruptcy you may still be required to pay back this loan.

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Application and Solicitation Disclosure

Private Education Loan Application and Solicitation Disclosure Union Federal Savings Bank

1565 Mineral Spring Avenue North Providence, RI 02904 866-513-8445

Loan Interest Rate & Fees

lower or higher than the rates on this form. The variable rate is based upon the LIBOR Rate (as published in the The Wall

Street Journal ). For more information on this rate, see the

Reference Notes.

Although the rate will vary, it will never exceed 21% (the maximum allowable by law for this loan)

Loan Fees

Late Charge: $25.00 or 5% (whichever is less) of the overdue payment

if not made on or before the 10th day after its due date.

Loan Cost Examples

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides estimates based upon four repayment options available to you while enrolled in school.

Repayment Option

Amount Provided

Interest

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Student Loan Application file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:20:46 PM] (while enrolled in school)* (amount provided directly to your school) (highest possible starting rate)

(how long you have to pay off the loan) (includes associated fees) 1. DEFER PAYMENTS

$10,000.007.490%

$16,676.73

This repayment example assumes that you remain in school for 45 months and have a 6 month grace period before entering repayment. It is based on the highest starting rate currently charged. Depending on your loan amount and other factors, repayment may last up to 15 years, starting with the initial principal and interest payment. *If you are no longer enrolled, or will become unenrolled within the next month, you may be offered only the "Make Full Payments" option.

Federal Loan Alternatives

Loan

program

7.9%

information,

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Next Steps

You may obtain the Applicant Self-Certification form from your school's financial aid office or as part of this application process. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law and the variable interest rate may change based on the market).

REFERENCE NOTES

This loan has a variable interest rate that is based on a publicly available index, the London Interbank Offered Rate (LIBOR). Your rate will be calculated each calendar quarter by adding a margin of between 2.60% to 8.99% to the average of the one-month LIBOR rates published in The Wall Street Journal (Eastern Edition) on the first business day of each of the three (3) immediately preceding calendar months, rounded to the nearest one-hundredth of one percent (0.01%).

Your interest rate may increase or decrease quarterly if the One-Month LIBOR index changes, which will affect your monthly payment.

Your interest rate will not increase more than once a quarter, but there is no limit on the amount that the rate could increase at one time. Your rate will never exceed 21.0%.

Borrower must be:

Enrolled at an eligible school at least half-time.

Borrower and cosigner must be 18 years of age or the age of majority in your state of permanent residence.

The legal age of majority, unless Borrower: (1) is at least 17 years of age on the application date and (2) has applied with a cosigner who is the legal age of majority.

Cosigner must be:

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file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:20:46 PM] Bankruptcy Limitations:

ADDITIONAL IOWA STUDENT LOAN DISCLOSURES

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Union Federal Savings Bank, P.O. Box 848108, Boston, MA 02284-8108.

D. Consequences of Loan Default

Union Federal Savings Bank P.O. Box 848108

Boston, MA 02284-8108 866-513-8445

http://www.unionfederalstudentloan.com

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Application and Solicitation Disclosure

Private Education Loan Application and Solicitation Disclosure Union Federal Savings Bank

1565 Mineral Spring Avenue North Providence, RI 02904 866-513-8445

Loan Interest Rate & Fees

lower or higher than the rates on this form. The variable rate is based upon the LIBOR Rate (as published in the The Wall

Street Journal ). For more information on this rate, see the

Reference Notes.

Although the rate will vary, it will never exceed 21% (the maximum allowable by law for this loan)

Loan Fees

Late Charge: $25.00 or 5% (whichever is less) of the overdue payment

if not made on or before the 10th day after its due date.

Loan Cost Examples

The total amount you will pay for this loan will vary depending upon when you start to repay it. This example provides estimates based upon four repayment options available to you while enrolled in school.

Repayment Option

Amount Provided

Interest

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Student Loan Application file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:20:46 PM] (while enrolled in school)* (amount provided directly to your school) (highest possible starting rate)

(how long you have to pay off the loan) (includes associated fees) 1. DEFER PAYMENTS

$10,000.007.490%

$16,676.73

This repayment example assumes that you remain in school for 45 months and have a 6 month grace period before entering repayment. It is based on the highest starting rate currently charged. Depending on your loan amount and other factors, repayment may last up to 15 years, starting with the initial principal and interest payment. *If you are no longer enrolled, or will become unenrolled within the next month, you may be offered only the "Make Full Payments" option.

Federal Loan Alternatives

Loan

program

7.9%

information,

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Next Steps

You may obtain the Applicant Self-Certification form from your school's financial aid office or as part of this application process. If you are approved for this loan, the loan terms will be available for 30 days (terms will not change during this period, except as permitted by law and the variable interest rate may change based on the market).

REFERENCE NOTES

This loan has a variable interest rate that is based on a publicly available index, the London Interbank Offered Rate (LIBOR). Your rate will be calculated each calendar quarter by adding a margin of between 2.60% to 8.99% to the average of the one-month LIBOR rates published in The Wall Street Journal (Eastern Edition) on the first business day of each of the three (3) immediately preceding calendar months, rounded to the nearest one-hundredth of one percent (0.01%).

Your interest rate may increase or decrease quarterly if the One-Month LIBOR index changes, which will affect your monthly payment.

Your interest rate will not increase more than once a quarter, but there is no limit on the amount that the rate could increase at one time. Your rate will never exceed 21.0%.

Borrower must be:

Enrolled at an eligible school at least half-time.

Borrower and cosigner must be 18 years of age or the age of majority in your state of permanent residence.

The legal age of majority, unless Borrower: (1) is at least 17 years of age on the application date and (2) has applied with a cosigner who is the legal age of majority.

Cosigner must be:

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file:///C|/Users/KIZAT/Desktop/Student%20Loan%20Application.htm[4/16/2012 1:20:46 PM] Bankruptcy Limitations:

ADDITIONAL IOWA STUDENT LOAN DISCLOSURES

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Union Federal Savings Bank, P.O. Box 848108, Boston, MA 02284-8108.

D. Consequences of Loan Default

Union Federal Savings Bank P.O. Box 848108

Boston, MA 02284-8108 866-513-8445

http://www.unionfederalstudentloan.com

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CITIASSIST UNDERGRADUATE REVISED APRIL 1, 2012

Private Education Loan Application and Solicitation Disclosure - Page 1 of 2

Citibank, N.A.

P.O Box 6074

Sioux Falls SD 57117-6074 1-800-967-2400

Loan Interest Rate & Fees

Your Starting Interest Rate (Upon Approval) The starting interest rate you pay will be determined after you apply. Your interest rate will be based upon your credit score, the credit score of any co-signer and other factors. If approved, we will notify you of the rate for which you qualify within the stated range.

Your Interest Rate During the Life of the Loan

Your rate is variable. This means that your rate could move

lower or higher than the rates on this form. The variable rate is based upon the 3-month LIBOR Rate as published in The Wall

Street Journal. For more information on this rate, see the reference notes.

There is no limit on the amount the interest rate can increase.

After the starting rate is set, your rate will then vary with the market.

%

9.500 3.250%

and

Your starting interest rate will be between

Loan Fees

Loan Fee: None

Late Charge: $15 per delinquent payment.

Loan Cost Examples

Total Paid Over 180 Months

Loan Term

Interest Rate (highest possible starting rate) Amount Provided (amount provided directly to you or your school) Repayment Option

(while enrolled in school)

180 months $26,831.35

9.500% $10,000.00

Make no payments while enrolled in school. Interest will be charged and added to your loan.

180 months $23,071.14

9.500% $10,000.00

Make the interest payments but defer payments on the principal amount while enrolled in school.

180months $18,796.04

9.500% $10,000.00

3. MAKE FULL PAYMENT

Pay principal and interest amounts in fully amortizing payments while enrolled in school.

About This Example

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Federal Loan Alternatives

Page 2 of 2

You May Qualify for Federal Education Loans.

For additional information, contact

your school’s financial aid office or the Department of Education at:

Next Steps

Loan Program Current Interest Rates by Program Type

PERKINS

for Students

STAFFORD

for Students

PLUS

For Parents and Graduate / Professional Students 5.00% fixed 3.40% fixed 6.80% fixed 7.90% fixed Undergraduate subsidized Undergraduate unsubsidized & Graduate

PLUS Loans

Some schools have school-specific student loan benefits and terms not detailed on this form. Contact your school's financial aid office or visit the Department of Education's web site at www.federalstudentaid.ed.gov for more information about other loans.

2. To Apply for this Loan, Complete the Application and the Self-Certification Form.

You may get the self-certification form from your school's financial aid office. If you are approved for this loan, the loan terms will be available for 85 days (terms will not change during this period, except the variable interest rate may change based on adjustments to the index).

REFERENCE NOTES

Variable Interest Rate

• This loan has a variable interest rate that is indexed to the 3-month London Interbank Offered Rate (LIBOR), as published in the “Money Rates” section of The Wall Street Journal, rounded up to the nearest one-eighth of one percent, plus or minus a margin. Your rate is calculated quarterly by adding a margin between 2.75% and 9.00% to the LIBOR.

• Your rate will not increase more than once every three months, but there is no limit on the amount that the rate could increase at one time.

Eligibility Criteria Borrowers

• Students must be enrolled at least half-time in a degree seeking program at an accredited and approved college or university in the U.S.

• Students must be making satisfactory academic progress as defined by school.

Co-signers

• Interest rates are typically higher without a co-signer. Since private loans are credit based, applying with a creditworthy co-signer may increase the likelihood of your approval and may help you qualify for a lower interest rate.

• Must be a U.S. citizen or permanent resident who is at least 18 years of age, 19 in AL and NE, and 21 in MS and PR.

• If you file for bankruptcy, you may still be required to pay back this loan.

More information about loan eligibility and repayment deferral or forbearance options are available in your loan application and loan agreement.

Private Education Loan Application and Solicitation Disclosure - CITIASSIST UNDERGRADUATE REVISED APRIL 1, 2012

• Students must be at least 18 years of age, 19 in AL and NE, and 21 in MS and PR, or apply with a creditworthy co-signer.

• Permanent residents and international students are eligible for this loan and must provide applicable immigration documentation. • International students must apply with a creditworthy U.S. citizen or

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Discover UndergraduateLoan Application& Solicitation Disclosure

Loan Interest Rate & Fees

DISCOVERSTUDENTLOANS POBOX30947

SALTLAKECITY,UT84130-0947 1-877-728-3030

YourStartingInterestRate(uponapproval)

Thestartinginterestrateyoupay willbedeterminedafteryouapply.Itwill beequaltothePrimeIndexplusMargin.ThevalueofthePrimeIndex

varieswiththemarketeachquarter.TheMarginisafixedvaluethatisset atthetimeofyourapplication,basedonyourcredithistoryandother

factorsincludingyourcosignerscredithistory(ifapplicable).Ifapproved, wewillnotifyyouoftherateyouqualifyforwithinthestatedrange.

YourInterestRateduring theLifeoftheLoan

Yourrateisvariable.Thismeansthatyourratecouldmoveloweror higherthantheratesonthisform.Thevariablerateisbaseduponthe

PrimeRate(aspublishedintheWallStreetJournal).Formoreinformation onthisrate,seethereferencenotes.

Althoughtheinterestratewill varyafteryouareapproved,theinterest

ratewillneverexceed18%(themaximumallowableforthisloan).

LateCharge: 5%oftheamountofthepastduepayment,or$5,

whicheverisgreater.

ReturnedCheckCharge: Upto$10. LoanFeesand Charges

Application Fee: OriginationFee: RepaymentFee: Zero Zero Zero

Loan Cost Examples

Thetotalamountyouwillpayforthisloanwillvarydependinguponwhenyoustarttorepayit.Thisexample providesestimatesbaseduponthree(3)differentrepaymentoptionsavailabletoyouwhileenrolledinschool.

About thisexample

Therepaymentexampleassumesthatyouremaininschoolfor4yearsandhavea6monthgraceperiodbefore beginningrepayment.Itisbasedonthehigheststartingratecurrentlychargedandassociatedfees.Youalways havetheoptiontomakepaymentsaheadofschedulewithoutpenalty.Bymakingpaymentsaheadofschedule you can reducethetotalcostofyourloan.

Yourstartinginterestratewillbebetween

3.25% and 9.50%

Afterthestartingrateisset,yourratewillthen varywiththemarket.

RepaymentOption AmountProvided InterestRate LoanTerm TotalPaidover

15years (Whileenrolledinschool) (Directlytoyourschool) (Highestpossible

startingrate)

(Howlongyou havetopayoff

theloan)

(Includesassociated fees)

1.DEFERPAYMENTS

Makenopaymentswhileenrolledinschoolat leasthalf-time(automaticin-schooldeferment). Interestwillbechargedandaddedtoyourloan.

$10,000 9.50% 15years startingafter thedeferment period $26,385.00

2.PAYONLYTHEINTEREST

Makeinterestpaymentsbutdeferpaymentson theprincipalamountwhileenrolledinschoolat leasthalf-time. $10,000 9.50% 15years startingafter thedeferment period $22,834.00

3.MAKEFULLPAYMENTS

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Federal Loan Alternatives

LoanProgram CurrentInterestRatesbyProgramType

PERKINS

STAFFORD

PLUS forStudents

forStudents

forParentsand

Graduate/Professional Students 5.0%fixed 3.4%fixed 6.8%fixed 7.9%fixed UndergraduateSubsidized

UndergraduateUnsubsidized&Graduate

YoumayqualifyforFederal

educationloans.

Foradditionalinformation,contactyour schoolsfinancialaidofficeorthe DepartmentofEducationat: www.federalstudentaid.ed.gov

Next Steps

1. FindOutaboutOtherLoanOptions

Someschoolshaveschool-specificstudentloanbenefitsandtermsnotdetailedonthisForm.Contactyour schoolsfinancialaidofficeor visittheDepartmentofEducationswebsiteat:www.federalstudentaid.ed.gov formoreinformationaboutotherloans.

2. FollowTheseSteps toApplyforThisLoan

A)Completetheapplicationandconsideraddingacosigner.Acosignermayimproveyourchancesfor approvalandmayloweryourinterestrate.

B) SignyourPromissoryNote.LogintoyouraccountatDiscoverStudentLoans.comtosignitelectronically,or mailyourPromissoryNotetous withyouroriginalsignature.

C)Verifyyourcosigner(ifyouhaveacosigner)hascompletedandsignedtheCosignerAddendum.Your cosignercanlogintotheiraccountatDiscoverStudentLoans.comtosignitelectronicallyormailittous withtheiroriginalsignature.

D)CompleteandsigntheSelf-CertificationForm.LogintoyouraccountatDiscoverStudentLoans.comtosign itelectronically,ormailyourSelf-CertificationFormtouswithyouroriginalsignature.Youmaygetthe Self-CertificationFormfromyourschool'sfinancialaidoffice.

E) Obtainschoolcertification.Inmostcases,wewillcontactyourschoolandrequestschoolcertificationon yourbehalf.Yourloanamountwillbethelesserof:theamountyourequest,theamountcertifiedbyyour school,ortheamountweapprove.

Ifyouareapproved forthisloan,theloantermswillbeavailablefor30days(termswillnotchangeduringthis period, exceptaspermittedbylawandthevariableinterestratemaychangebasedonthemarket).

REFERENCENOTES

VariableInterestRate

Thisloanhasavariableinterestratethatisbasedona publiclyavailableindex.ThePrimeIndexadjustsquarterlyon eachJan1,Apr1,Jul1andOct1,anditisthehighestprime ratelistedintheMoneyRatessectionoftheWallStreet JournalonthefirstFridayofthelastmonthofthepreceding quarter.Yourratewillbecalculatedeachquarterbyaddinga marginbetween 0.00%and 6.25%tothePrimeIndex. FormoreinformationandthemostrecentvalueofthePrime

Index,visit

DiscoverStudentLoans.com/policies/prime-index-and-apr.aspx Theratewillnotincreasemorethanonceaquarter,butthere

isnolimitontheamountthattheratecouldincreaseatone time.

BorrowerEligibilityCriteria Mustbeenrolledataneligibleschool. MustbeaUScitizen,permanentresident,or

internationalstudentwithaSocialSecuritynumber. Mustbe16yearsorolderatthetimeyouapply. Mustpassacreditcheck.

CosignerEligibilityCriteria

Ratesaretypicallyhigherwithoutacosigner. MustbeaUScitizenorpermanentresident. Mustbe18yearsorolderatthetimeofloan

application.

Mustpassacreditcheck.

SchoolDisbursement

Yourschoolwillreceivethefunds,credityourschool account,andforwardanyremainingamounttoyou.

BankruptcyLimitations

Ifyoufileforbankruptcy,youmaystillberequiredto paybackthisloan.

Moreinformationaboutloaneligibilityand repaymentdeferralorforbearanceoptionsis availableinyourPromissoryNote,on

DiscoverStudentLoans.com,orbycallingusat 1-877-728-3030.

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