BUYER’S NAME AND ADDRESS Blanca T Cortez Name: ______________________ Address: ______________________ 30-06 91st East Elmhurst, AL 11369 ______________________ 347 6087470 Phone: ______________________ STUDENT’S NAME: Blanca T Cortez Name: Address: Phone: SELLER’S NAME AND ADDRESS LaGuardia Community College ______________________ 31-10 Thomson Ave ______________________ Long Island City, NY 11101 ______________________ 718-482-7200 ______________________

Definitions: In this Retail Installment Contract ("Contract") the words "you" and "your" mean the Buyer who signs this Contract. " Seller" means the Seller listed above and any subsequent holder of this Contract, as well as their affiliates and agents. "Student" means the student identified above.
In exchange for the purchase of education-related services provided by Seller to student, You have elected to pay to the Seller the Tuition Amount, or the remaining portion of the Tuition Amount, in installments as shown below in accordance with this Contract. You understand that no finance charges are being assessed on the amounts you owe, but that you may incur late charges and certain other fees as described in this Contract.
$1,001.85 You promise to pay the amount of ___________ as follows: Amount you have paid at or before the time you sign this Contract: Amount to be paid in installments as set forth below (Amount Financed):
$250.47 ___________ ___________ $751.38

ANNUAL PERCENTAGE RATE The cost of credit as a yearly rate. 0% Payment Schedule: Number of Payments
1 1 1

FINANCE CHARGE The dollar amount the credit will cost you. $0

Amount Financed The amount of credit provided to you or on your behalf.
$751.38 ________________

Total of Payments The amount you will have paid after you have made all scheduled payments.
$751.38 ________________

Amount of Payments
$250.46 $250.46 $250.46

When Payments are Due
April 1, 2011 May 1, 2011 June 1, 2011

Late Charge: If a payment is 11 or more days late, you will be charged $15.00.
Prepayment: If you pay off early, you will not have to pay a penalty. See the contract provisions below for any additional information about nonpayment, default, any required repayment in full before the scheduled date and prepayments. ITEMIZATION OF AMOUNT FINANCED: Amounts credited to your Tuition Payment Plan:
$751.38 ___________

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then subject to applicable law and after the Seller provides to you any notice that may be required by law. if you fail to pay any installment when due. but not limited to.00 for each payment so returned. 5. artificial or pre-recorded voice messages. the fees for such services. You understand that the Seller is located in the State listed above and this Contract will be entered into in the same State. You acknowledge that you have received a copy of this Contract.00. you understand and acknowledge that the Seller may stop providing any or all of the services that the Student is receiving under this Contract. Page 2 of 3 . and without limiting any other rights the Seller may have. Consequently. 3. Applicability of Provisions: If any of the provisions contained in this Contract are in conflict with any applicable laws or statutes. Late Charges: If a payment is late by 11 or more days. YOU AUTHORIZE THE USE OF SUCH MEANS OF COMMUNICATION EVEN IF YOU WILL INCUR COSTS TO RECEIVE SUCH PHONE MESSAGES. 7. Transfer of Contract: You agree that if the Seller sells or transfers this Contract to another person. the new holder will have the same rights and benefits that the Seller now has. Payment Return Fee: If you make a payment and that payment is returned or refused by your bank for any reason. 6. the provisions of this Contract will be governed by federal law and the laws of that State to the extent not preempted. The fee will be disclosed to you before you accept any such service. automated telephone dialing equipment. you agree to pay a charge of up to $15. 2. email directed to you at a mobile telephone service. TEXT MESSAGES. Communicating With You: To the extent permitted by applicable law. or email otherwise directed to you. to the extent permitted by law. The Seller may communicate with you using any current or future means of communication. and you agree to pay. Additionally. Charges for Optional Services: If you request and Seller agrees to provide optional services to you in connection with this Contract. without regard to conflict of law rules. will remain in effect. Right to Prepay: You have the right to prepay all or any part of your obligation under this Contract at any time without penalty. 4. you agree that you will pay a Late Charge of $15. you expressly consent and authorize the Seller to communicate with you in connection with this Contract using any phone number or email address that you have provided to the Seller. the appropriate laws or statutes will apply. YOUR ADDITIONAL PROMISES 1.THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE. OR EMAILS. Optional services may include. 10. however. the Seller may charge you. 9. including. the Seller may declare the entire unpaid balance and all other fees due under this Contract to be immediately due and payable. and (2) sending documents to you by express delivery or facsimile transmission. Default: If you fail to pay any installment under this Contract when due. or that you provide to the Seller in the future. All other provisions of this Contract. SMS text messages. 8. but are not limited to: (1) allowing you to make an expedited payment on your account.

RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 2. Do not sign this agreement before you read it or if it contains any blank space. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF.THE TERMS OF THIS CONTRACT ARE CONTAINED ON MORE THAN ONE PAGE. You are entitled to a completely filled in copy of this agreement. Electronically Signed by LaGuardia Community College Signature of Seller’s Agent LaGuardia Community College Agent’s Name (Please Print) 02/14/2011 Date BLANCA T CORTEZ Buyer’s Name (Please Print) 02/14/2011 Date Page 3 of 3 . NOTICE TO THE BUYER: 1.