Date: 

12/27/2018

Application ID: 10706190301

Dear HILARIO WITCHEMICHEN NETO, 

Thank you for applying for the Smart Option Student Loan in the amount of $38,000.00.

Good news! Your loan funds are scheduled to be disbursed to the school. Thank you for choosing Sallie Mae Bank. 

Now that your funds will be on the way, be sure to.... 

Review Final Disclosure§
Your Final Disclosure is provided at the bottom of this email. Please carefully review the Estimated Repayment Schedule and Terms
section of the Final Disclosure, which outlines your monthly payment amount. 

Save your documents 
Save the full copy of your Final Disclosure by logging on to https://www.salliemae.com/ApplicationSummary. Remember to keep your
disclosures, Promissory Note and other financial records in a safe place. 

Create your online account at SallieMae.com
With an online account, you can manage your loan(s) 24/7, make payments, view loan details, enroll in automatic debit, update your
contact information and permissions to receive correspondence via email, and much more. 

Sign up for Automatic Debit 
We encourage you to enroll in our automatic debit program. It's the most convenient way to make your payments. You may also qualify for
a 0.25 percentage point interest rate reduction on your eligible loan(s).* Log in to your account online to sign up or download an enrollment
form. 

Thank you for letting us help to make your dream of education a reality. If you have any questions, visit us online at SallieMae.com, or call us at (877) 279­
7172. We're here for you Monday ­ Thursday from 8 a.m. to 9 p.m. and Friday from 8 a.m. to 8 p.m. ET. 

Sincerely, 

Sallie Mae Originations

Applied with: LEO J SEYMOUR

Please see below for important information regarding interest rate reduction and estimated disbursements.

Estimated Disbursement Schedule

Disbursement Date(s) Disbursement Amount(s)
3/17/2019 $19,000.00
6/17/2019 $19,000.00

Please note that you're responsible for making fixed payments each month while in school and during the separation period. 

§Please note, either the borrower or the cosigner have the right to cancel this loan. In doing so, this loan will be considered cancelled. 

*The borrower or cosigner must enroll in auto debit through Sallie Mae. The rate reduction benefit applies only during active repayment for as long as the Current Amount Due or
Designated Amount is successfully withdrawn from the authorized bank account each month, and may therefore be suspended during a forbearance or deferment period. 

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS (INCLUDING INTEREST RATE REDUCTIONS) AT ANY TIME WITHOUT
NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP­TO­DATE PRODUCT INFORMATION. 

M173 v2.0 06/2018 

Rev#: 01

Private Education Loan

Final Disclosure ­ Smart Option Student Loan
Application ID: 10706190301
Date: 12/27/2018
BORROWER:
HILARIO WITCHEMICHEN NETO
RIGHT TO CANCEL
You have a right to cancel this transaction, without penalty, by
midnight on 01/02/2019. No funds will be disbursed to you or to
your school until after this time. You may cancel by logging into your
COSIGNER: CREDITOR: online account at https://www.salliemae.com/ApplicationSummary or
LEO J SEYMOUR Sallie Mae Bank by calling us at (877) 279­7172 .
P.O. Box 3319
Wilmington, DE 19804­4319

Loan Rates & Estimated Total Costs
Total Loan Amount Interest Rate Finance Charge Total of Payments
 $38,000.00
The total amount you are borrowing.
6.250% $17,676.95 $55,676.95
The estimated amount you
The estimated dollar amount
Your interest rate. will have paid when you
the credit will cost you.
have made all payments.

ITEMIZATION OF AMOUNT FINANCED ABOUT YOUR INTEREST RATE
Amount paid to you $0.00
Your rate is fixed. This means that your rate stays the same for the life of the
Amount paid to others + loan. 
on your Behalf: $38,000.00
AMERICAN MUSICAL & Your Annual Percentage Rate (APR) is 6.195%. The APR is typically different
DRAMATIC ACADEMY than the Interest Rate since it considers fees and reflects the cost of your loan as a
Amount Financed = yearly rate. For more information about the APR, see Reference Notes.
(total amount provided) $38,000.00
Initial finance charges + FEES
(total) $0.00
Disbursement Fee Late Fee:  5.000% of the amount of the past due payment, up to a maximum of
       $0.00 $25.
Application Fee Returned Check Fee: up to $20.00.
       $0.00 Fee when you begin repaying the loan: 0.000% of the loan balance.
Total Loan Amount =
$38,000.00

Estimated Repayment Schedule & Terms

MONTHLY PAYMENTS
139 Month Loan Term at 6.250% 
This rate is fixed and will not change for the life of the loan
$25.00
04/16/2019 ­ 10/16/2020 ($3,020.33 in unpaid interest will accrue 
19 monthly payments during this time)
11/16/2020 ­ 09/16/2030 $460.58
119 monthly payments
10/16/2030 ­ 10/16/2030 $392.93
1 monthly payments

REFERENCE NOTES
Fixed Interest Rate Repayment Options
Your loan has a fixed Interest Rate and will not increase or
decrease for the life of the loan. This loan requires fixed monthly payments of $25.00 while you are
in school and for a separation period of 6 billing periods thereafter.
You can make larger payments during these periods. More
The Interest Rate may be higher or lower than your Annual information about repayment deferral or forbearance options is
Percentage Rate (APR) because the APR considers certain fees you available in your Promissory Note.
pay to obtain this loan, the Interest Rate, and whether you defer
(postpone) payments while in school.
Prepayments:
Bankruptcy Limitations If you pay the loan off early, you will not have to pay a penalty. You
If you file for bankruptcy you may still be required to pay back this will not be entitled to a refund of part of the finance charge. 
loan.
See your Promissory Note for any additional information about
nonpayment, default, any required repayment in full before the
scheduled date, and prepayment refunds and penalties.
Please note, Monthly Payments are referred to as "Current Amount Due" on the Promissory Note and in other correspondence
LPXSPP1809v01 7FNS1611

This email request for Good news regarding your Sallie Mae Bank private education loan was sent to hilariowitchemichenneto@gmail.com from
SallieMaeEdLoan@SALLIEMAE.COM on Thursday, December 27, 2018 10:40 AM
 Rev. 06/2018

FACTS ® WHAT DOES SALLIE MAE DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives
consumers the right to limit some but not all sharing. Federal law also requires us to tell you how
we collect, share, and protect your personal information. Please read this notice carefully to
understand what we do.

What? The types of personal information we collect and share depend on the product or service you
have with us. This information can include:
 Social Security number and income
 Account balances and payment history
 Account transactions and credit history
How? All financial companies need to share customers’ personal information to run their everyday
business. In the section below, we list the reasons financial companies can share their
customers’ personal information; the reasons Sallie Mae chooses to share; and whether you can
limit this sharing.
Can you limit this
Reasons we can share your personal information Does Sallie Mae share?
sharing?
For our everyday business purposes – such
as to process your transactions, maintain your
Yes No
account(s), respond to court orders and legal
investigations, or report to credit bureaus

For our marketing purposes – to offer

Yes No
our products and services to you

For joint marketing with other financial companies Yes No

For our affiliates’ everyday business purposes –

Yes No
information about your transactions and experiences

For our affiliates’ everyday business purposes –

Yes Yes
information about your creditworthiness

For our affiliates to market to you Yes Yes

For nonaffiliates to market to you No We don’t share

To limit  Call toll free 1-855-582-1928 – to select your choices

Please note:
our sharing If you are a new customer, we can begin sharing your information 30 days from the date we sent
this notice. When you are no longer our customer, we continue to share your information as
described in this notice.
However, you can contact us at any time to limit our sharing.

Questions? Call toll free 1-855-582-1928 or go to www.SallieMae.com

 Page 2
Who we are
Who is providing this notice? Numerous Sallie Mae financial companies. Please see the bottom of this page
for the full list of the Sallie Mae companies providing this notice.
What we do
How does Sallie Mae protect my To protect your personal information from unauthorized access and use, we use
personal information? security measures that comply with federal law. These measures include
computer safeguards and secured files and buildings.
How does Sallie Mae collect my We collect your personal information, for example, when you:
personal information?  apply for a loan or give us your contact information
 open an account or deposit money
 use your credit or debit card
We also collect your personal information from others, such as credit bureaus,
affiliates, or other companies.
Why can’t I limit all sharing? Federal law gives you the right to limit only
 sharing for affiliates’ everyday business purposes – information about your
creditworthiness
 affiliates from using your information to market to you
 sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit
sharing. See below for more on your rights under state law.
What happens when I limit Your choices will apply to everyone on your account.
sharing for an account I hold
jointly with someone else?
Definitions
Affiliates Companies related by common ownership or control. They can be financial and
nonfinancial companies.
 Our affiliates include companies with a Sallie Mae or Upromise name,
such as Sallie Mae Bank and Upromise, Inc.; and financial companies
such as SMB Business Development, Inc., SMB Shared Services, Inc.,
SMB IT, Inc., and Deserve, Inc.
Nonaffiliates Companies not related by common ownership or control. They can be financial
and nonfinancial companies.
 Nonaffiliates we share with can include service providers such as data
processors and companies that help us market our own products and third
party products that we believe may be of interest to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together
market financial products or services to you.
 Our joint marketing partners include financial institutions such as companies
that provide credit products and insurance companies.
Other important information
VT Residents: For accounts with a Vermont mailing address, we will not share your creditworthiness information with
our affiliates except as required or permitted by law. For joint marketing with other financial companies, we will only
disclose your name, contact information and information about your transactions unless otherwise required or
permitted by law.
CA Residents: For accounts with a California mailing address, we will not share your personal information with a
financial company for joint marketing purposes except as required or permitted by law.

This notice is made on behalf of the following Sallie Mae companies: SLM Corporation, Sallie Mae Bank, SMB Business Development, Inc., SMB Shared
Services, Inc.,SMB IT, Inc., and Deserve, Inc.

This notice is also provided on behalf of all trusts or other special purpose entities established by any Sallie Mae company.