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U.S. Permanent Address APT 8 8 COUNTRY CLUB ROAD city tTHAcA How ygars thqre?llf_le_ss oneyearat permanen_t_address, than listprevious address rygny StateNY 16 / 1979 dav ZIP14656

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The Student Corporation Loan

Social Securrty#916 - .01 Driler's License 174 # State . . .11 5 0 (turmqlqq 607 ) 280 - 7556 Horne Terephone thmlTelephmetlempaary){ ) ! Areyou-aU'S.ctizen?!IesFrq|!!qareyoUapemanentrs,de,'t1!YFDlllo19r4rag41aqqof,od.|mmiF|,5 NqMq GfiADUATESCHOOLQF MANAqEM cis/]IHAcA PqIOOI CORNELI= JQIJNSQN S]ale I]? 14859.1485 NY C!ec!lhg.boxn€xtlolllgEqr forwhichthisloanwill beused Ei l!sghml UnQglradqqlepl t3 t4 !l 5(6lr) Graduate lz n: n+ lstoiii -'t? Maior Business/Marketing E-mq!l{!qg AMBB_|SH.BANSAL@GMA|L.COM

School Certification
To be complaed by the FinancialAid Offce. EDSchml Code 0027.11 Campus 63 Code Loan Period Use Funds for of

@Laan Infonnation
Loan amount requested $ 20,000
Youmayboffowup to the fullcostof edu€tionlessany financial youare receiving. school be requested aid Your will to certrt thisamounlandthe finalappro\€d amount loan couldbe lessthanthe amount reques'ted.

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Reference @ Applicant
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Pleaseprwide at adult re{erence.Referencemust rcdde at a US. ad<lress different frorn your onrn.lf applyhg with a corigner, rc{estce must be a diffurent persd. NameDEEPAM AGARWAL E tr _ -B9la,!q:'Sfr!p-to lorlqpr E Parent Rdatire Oter City F,BEMONT ( W_g( I-eleph,oqe ) StnteCA

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Se-instructions on reEm side 3) to dctemine it you shilH appv with a Gigner. 0nly om co+igner may be indicaed. llotice:cHigner mustb€ a U.S.citizenor p€manef cide' at least18 yean of agL,mustfroide a [rmrnt U.S. addrss, andmusthavea verifablcin6m of at leastSl8,frO per year SocialSecurity# 0L4 --,. -- -80 . , , 3351 Cosignerrelationshiptostudent ll%rent lRelative EOrer

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The credit information isfor E Cosigner Undergraduate creditworhiness b Sbp4 for instructions.) below ! onown (Refer g !,500 l\4ortthlyHousingPrymgll E0w1 trRent fllirewrthparent Emplopr/Company eRACLECORpORATf Nqrlq ON CityREDWeODSHOfES State ZIP94065 CA Yeafs employeryfs-o. wth 9 months Current Position DIRECTOR Telgphone[ 650 I 506 - 7000 position lf less two than years, previous list employer lelepnonet l Gro99 MOI!TI|!YttrpgqeFr-oqEmptqy4enr. $ ZO00 l.l Selfemployed? Y-e9 E Nq Retired? EYes ENo , ()tIelUOnTHly ltqgng (Spo!rs?|,. qrc.)l' $ rcJr!a_|, 4l 9!Er ttcclte $qurce(9ee_S!ep

HtrR! $ H!RD Wehereby certifo the student that named thisapplication in is/wasattending institution this during Loanperiod the this Loan being is requested. further We certih/ that,based upon records available this institution, applicant not in at the is provided defuult anystudent andthattheinformation on loan above trueandaccurate the bestof ourknowledee is to and We belief. certify thesumof all loans tinanci-al that and aid, jncluding Loan, this nolexceed costof education does the at this institution.
Sisnature School of Official

Date Print Name
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*Gross individual monthly income must be at least 91,500. Income verificaiion may be required. "Alimony, child support, or separale maintenance income need not be revealed il tou do not wish ro have it considercd as a basis for repaying ihis loan.

Sig:: {Please and*ate Below} ' P|,re @ €ignatures
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Telephone Number

rctsto Step 5for irbualrc read lnur encb*d Promissory Note in its entircty bcfm signingthb *ction. lf youdo nothave promismry a note,ptease i€0O967-2400, re'll prompfly mll and sendyouone.

For knder UseOnlv
SourceCode:rHowFAtD lD: 2180s447 App

ln rs Slven g0o0raltn. lt my promissorfnotq a Ma,styplupa(Loan Promrssory Note,I understand multipleLoansmay be disbursed that underthe termsof the Note.

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MasterStudentLoan PromissoryNote/ Borrower'sCopy
(thestudent-applicant) co-signer and The words"1","me", "my", "us" and "mine" meanthe Borrower (theguarantor), whereotherwise indicated. words"you", "your", and "yours" mean The except N.A.,its successors, assigns and including insurance any company acquiring Master this Citibank, StudentLoan Promissory Note("Note") paymentof an insurance by claim. Forthe purpose determining of myeligibilityforcredit, lauthorize Citibank, N.A.(theBank), agents, its and assignsto gathercreditinformation aboutmy application others aboutme and to give information to in accordance with applicable laws.I understand that you normally obtaincreditreporlsfor all loan you applicants cosigners. and Uponmy request, willinform if a report me has beenobtained and willgive me the name and addressof the agencyfurnishing repofi.I understand the that futurerepoftsmay be orderedon me in connection with any review,renewalor extension creditunderthis Notewithout of provide, fufthernotice me. I authorize schooltoreceive, to my and confirm information regarding my attendance, financial aid, and enrollment statusduringthe term of this Note.I understand that the proceeds the initialor any subsequent purposes of Loan,if approved, must be usedfor educational and that disbursements be sentto my Schoolon my behalfby checkor electronic will fundstransler. ITIONS "AcademicYear" is the period time,notto exceed12 consecutive of months, whichyourschool defines as its "Academic Year". The "DisbursementDate" is the date or dates,as notedon the checkor Electronic FundsTransfer (EFT)record, whichyou lend moneyin consideration my promiseto repayyou according the on for to termsof this Note.lt will be the date a Loan,or any partof it, is advanced me or to my schoolon my to . behalf "Note" means,collectively, MasterStudentLoan Promissory this Note,each and everyapplication or request creditunderthe MasterStudentLoan Promissory for Note,Conditional Approval Letter,and disclosures relating the creditreceived me underthe Master to by LoanPromissory Student Note,unless specif ically excluded. The "lnterimPeriod"is a time period whichbegins the firstDisbursement on Dateand endssix months after I graduate ceaseto be enrolled leastparttime at an approved or at school.The InterimPeriodwill neverexceed (10)yearsplussix (6) months undergraduate ten for studyand four (4) yearsplussix (6) monthsfor graduate study. "Loan" or "Loan(s)"meansthe principal sum(s)disbursed yearplus during standard a academic accrued interest feesand othercharges, any,due on suchdisbursed and if sums. "Loan Fee(s)"meansa guaranty that you may chargeme to compensate fee you againstthe riskof default. The terms of my Loan,as set forlh in a Conditional Approval Letter,will specifywhetherthe Loan Fee is to be charged me or my Loan balanceupon:approval a Loan,upon disbursement an to of of advance madeunderany Loan,at the commencement the repayment phase, at someothertime. of or Thisfee may be addedto the principal amount any Loan(s). of The "Repayment Period"is a time period whichbegins the datethe Interim on Period ends.The "Standard Repayment Period"is a periodof 240 months. The "Total Loan Amount" is the aggregate amountof all disbursements advancesmade by you on and all Loanssubjectto the termsof this Note.

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APPrD'. Ltgd z?qq-l n b4R,Rr gl-r _QA xtS* c_ References "School" meanthe educational academicinstitution whichyou attend,or planto attend to or whichyou havesoughta Loanor Loansf rom us to defrayyour educational costs. and in connection PROMISE PAY TO I promise payto Citibank, N.A.,its successors, to assigns, and any otherholder this Noteall sums of disbursed underthe termsof this MasterStudentLoan Promissory Note,together with interest the at provided the Note,late paymentcharges, rates(s) in Loan Feesand any otherfees or chargesowed underthe termsof this Note,including any allowable reasonable attorneys fees and othercostsyou incur in collecting amounts owedon this Note,all according the termsof thisNote.I willnot signthe to application beforereading this Noteeven if otherwise advised. The termsand conditions forth in the set Noteconstitute entireagreement you and me. I am entitled an exactcopy of this Note.My the between to signature certifies that I read,understand, agreeto the terms of this Note. and I understand agreethat you may makemultiple and Loansunderthis Noteduring courseof my the attendance one or more Schools, at and I agreethat each such Loan (whichmay consistof one or more or disbursements my School) be subject the termsof this Note.I further to will to understand individual Loan(s)may havedifferent Loan Feesand VariableRatesas disclosed the "lnterest" in sectionbelowand/orthe Conditional Approval Letterto be sent with respect each such Loan.I to understand the termsof any Conditional that ApprovalLettersent to me with respect a Loan are to incorporated reference intothis Note. by I agreethat no subsequent Loanswillbe madeunderthis Noteafterthe earliest the following of dates:(i) the date you receivemy writtennoticethat no furtherLoansmay be disbursed underthis Note;(ii)one yearafterthe dateof my signature this Noteif no disbursement madeduring on is suchtwelvemonth period; (iii)five yearsafterthe date of my signature this Note. or on LOAN AMOUNTDISCLOSURE STATEMENT You havethe rightnot to make a Loanor to lend me an amountlessthan the amountthat I requested. I agreethatthe number disbursements respect an individual of with to Loanwillbe limited one per term to and fourper Academic Year.You willsendme a disclosure statement telling the amount any me of disbursement(s) otherinformation and including separate any notices co-signer to required applicable by law. I will reviewthe disclosure statement and otherdocuments upon receiving them and will contactyou if I haveany questions. My obligation repayamountsadvanced my benefitoccursupon my receipt, my School's to for or receipt on my behalf, fundsdisbursed you,or a disbursement the amount any LoanFeethat I may of by of of owe you underany Loan. BORROWER'S RIGHTTO CANCEL lf I am not satisfied with the termsof my Loanas approved, may cancelany Loan and any I disbursements. cancel To any disbursement underthis Note,I mustcontact you in writing within15 days of receiving disclosure the statement co-signer or nolice,notifymy School,not endorseany Loancheck, and ensure that any Loandisbursements returned you.Cancellation a disbursement are to of doesnot altermy obligation repayamountsadvanced me or to my Schoolon my behalfor to terminate to to this Notewith respect priorLoans.I understand to that I may also cancelor reducethe size of any disbursement informing in writing you by within15 daysof receiving approval the letter, disclosure statement any subsequent or disbursement. I may alsocancel you any Loanby informing in writing within 15 daysof receiving Conditional the Approval Letter, disclosure statement any subsequent or disbursement by arranging all disbursements be returned you. and for to to

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lf all or any portion any Loanfundsdisbursed returned you by the Schoolor me within30 days of of are to I that if the Disbursement Date,you will chargeno interest chargeson the funds returned. understand or I a Loan is canceled, will haveto reapply obtaina new Loan. to program I alsofullyunderstand the failure complete education that to the undertaken me, as the by Borrower, does not relieveme of any obligation this Note. on INTEREST Interest each Loan underthe Notewill be calculated the VariableRate (as definedbelow)beginning on at on the first Disbursement Dateon the principal balanceadvanced and on any unpaidinterest addedto principal according the Termsof Repayment to belowuntiltheNoteis paidin full.Interest be will calculated basedon the actualcalendar days in any year and uponthe actualnumberof calendar days fromthe Disbursement DateuntiltheNoteis oaidin full. The "Variable Rate"for eachLoanmadeunderthe Noteis the sum of the PrimeRatepublished lhe in Wall Street Journalunder "MoneyRates"sectionfor the day which is 30 days priorto the f irstday of the plusor minusthe percentage, identified Julyand October eachyear(the"lndex") of as on , April, applicable Conditional Approval Letterthat I received connection in with the Loan,whichis hereby (.01%), in no intothis Note,per annum(the"Margin"), rounded the nearest to hundredth but t greater than the maximumallowedby law.The VariableRatewill changequarterly the firstday on of January, April,July,and Octoberof each year (eacha "ChangeDate").For example, Variable Rate the for any JanuaryChangeDatewill be determined usingthe Indexpublished The WallStreetJournal by in for the preceding December 2nd, lf The WallStreetJournalisnot published the Indexis not given, or preceding published thenthe Indexwillbe determined usingthe immediately by Index. the eventthat In morethanone PrimeRateis published, Indexwillbe the highest the ratepublished. the Indexceases lf you to be available, will choosea comparable Index. I understand that the totalinterest due on the Notewill be the aggregate amountof the interest due on eachLoanmadeunderthe Note. TERMSOF REPAYMENT I may, but am not required make payments to duringthe InterimPeriod.lf I chooseto makevoluntary payments duringthis period,I understand that all interest must be paid beforethe principal can be reduced. You willadd all unpaidinterest the principal to balance eachLoanat the end of the Interim of Period. you will send accountstatements my Loan(s)at leastquarterly me. Duringthe InterimPeriod, on to During Repayment my payments Period, willmakeconsecutive I monthly basedon the amounts and on the due datesshownon my monthly statements. understand I lhat as the VariableRateon my Loan(s) adjusts, monthlypayment the payments amountmay increase decrease the numberof scheduled or or may increase decrease be sufficientto fully repayall of the principal, or to interest, and othercharges whichare owedon this Notewithin remaining the repayment term.I understand I willreceive that one billing statement whichwillseparately identify and include Loansmadeto me underthe Note. all Beforethe beginning the Repayment of PeriodI may receivea noticeallowingme to choosefrom alternative repayment options. choicewill dictate amountof the monthlypayments My the and the tlming of periodic payment changes the monthly in amount. I do not return lf this notice you, I willbe billed to throughout Repayment the Periodusingthe Standard Repayment Period.Regardless the Total Loan of payment neverbe lessthan$50,(unless amount Amount monthly the will the owed underthis Noteis lessthan $50). In addition, I haveotherloanspayableto you underothernotes,my total monthly if payment all of my loansto you, including Loanmadeunderthis Note,will neverbe lessthan$50 for any (unless amount the owedunderall of my loansis lessthan$50.) ( Su,nLsrr ffRttrvne,Hnu-n4) Co5'161t6 4

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payment lf any portion a monthly remains for of unpaid a period morethan 1Odaysafterthe due date, of payment, never you may chargeand I will pay a late payment but chargeof up to $15 per delinquent per monthly morethanthe maximum allowed law.I willpay onlyone latepayment by charge amount paymentregardless the numberof days it is late. of Loan payments be appliedfirstto charges,next-to will unpaidinterest, and then to principal. havethe I rightto repayall or any part of any Loansubjectto this Noteat any time withoutpenalty.lf I have more you may than one Loanand do not provideinstructions to whichLoan a prepayment to be applied, as is howto applyit at yourdiscretion. determine lf I am unableto repaymy Loan(s)according the termsof the Note,I may request to that you modifythe termsof repayment. understand I that such modification be at your discretion will and that if such modification resultsin a postponement forbearance payments any period,interest continue or of for will to periodwill be addedto accumulate duringthat period. Any unpaidinterest the end of the forbearance at the principal balance my Loan(s). obligation repayall Loansmadeunderthis Notewill remain of My to in force even if I becometotallyand permanently disabled die. or I may prepaymy Loan(s)at any time withoutpenalty. ACY You willgiveme notice yourpolicies of regarding disclosure nonpublic the of information regarding to me your affiliates and unrelated thirdpartiesand I will be giventhe rightto restrict such disclosures as provided law. I authorize you and any schoolI attendto transfersuch information may be by as necessary complete to and reconcile disbursement proceeds, the of maintain accurate accountrecords, and ceftifymy continuing enrollment status. I must updatethe information my application you ask me to do so. I authorize on whenever you to furnish information aboutany Loan made underthis Noteto consumerreporling agencies and to otherslegally you to obtaincreditinformation allowedto receivesuch information.authorize I aboutme, now and in the purposeassociated future,for any legitimate withthe application any Loan.lf my application or is you declined, willsendan adverse actionnotice, whichmay include specific reasons, me, as required to by applicable law. I understand that if I defaulton my Loan(s), disclosure information of about my loanto consumerreporting agenciesmay adversely affectmy creditrating. For the purposeof learning currentaddressand telephone my you to release number,I authorize information makeinquiries the individualshavelisted my application. and to I on DEFAULT To the extentpermitted law, I will be in defaultand you will havethe rightto give me noticethat the by principal wholeoutstanding balance, accruedinterest and all otheramountsdue to you underthe terms of the Noteare due and payableat once,subjectto any law whichmay give me the rightto cure my default, if (1) | failto makemy monthly payment you whendue,(2) | failto notify you of a changein my name, to address, schoolenrollment or statuswithin30 days aftera changeoccurs,(3) | breakany of my other promises this Note,(4) any bankruptcy in proceeding begunby or against is me, (5) if I assign any of my assetsfor the benefitof my creditors, | make any falsewrittenstatement applying this loan or in (6) in for any communication concerning loan,(7) | failto remitto you any refund loanproceeds, (8) | this of or defaultunderthe termsof any otherloan made by you to me. ln the eventof my death,you may cancelany remaining (future) disbursements, the InterimPeriod end immediately the case of the Borrower's in death,and makea claimagainstthe estateof the decedent for paymentof the amountdue on the Note,whetherin repayment not, withoutreleasing surviving or the Borrower co-signerrom obligations this Noteor any Loansubjectto this Note. or f on

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A?ptD Z4Zoqc{cr> A\v{ B^rsr-l p41usn_1_ lf I defaultunderany Loan subjectto this Note,I will be required pay interest lhe contractrate(s) to at provided said Loan(s)whichaccumulates for afterdefaultaccording the termsof this Note.The interest to in rateafterdefaultor afternoticeof demandfor paymentin full will be subjectto adjustment the same manneras priorto the default.lf I default,I will also be responsible pay reasonable to collection costs, including reasonable attorney's charges, courtcostsand collection chargesto the extentallowedby law. "Notice" provided you underfederallaw to warn you of the negative impact Notice: The following is to that your defaulting your obligations on underthis Note may have on your creditrating. We may repodinformation Late aboutyour Loan(s)and this Noteto creditbureaus. payments, missedpayments, otherdefaults your Loan(s)may be reflected in or on your creditreport. I N S U R A N C E :S S I G N M E NO F N O T E A T payment any Loanmadeunderthis Noteupon I understand you may obtaininsurance insure that to of lf default. any insurance company, subsidiaries, assignees required its or are underany insurance agreement repayany and all Loanssubject this Note,suchcompany become holder this to to will the of Noteand willhaveall the rights the original of lender enforce to this Note. ARBITRATION DISPUTES OF

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PLEASE READTHISARBITRATION PROVISION CAREFULLY. PROVIDES IT THAT EITHER YOU OR I CAN REQUIRE THATANY CONTROVERSY DISPUTE RESOLVED BINDING OR BE BY (EXCEPT ARBITRATION FOR MATTERS THATARE EXCLUDED FROMARBITRATION AS S P E C I F I E D E L O W )A R B T T R A T I O N P L A C E S H E R T G H T O G O T O C O U R T t N C L U D t N T H E B . RE T , G RIGHT A JURYAND THE RIGHTTO PARTICIPATE A CLASSACTION TO IN OR SIMILAR PROCEEDING. ARBITRATION, DISPUTE RESOLVED A NEUTRAL IN A IS BY ARBITRATOR I N S T E A D F A J U D G EO R J U R Y . R B I T R A T I OP R O C E D U R EA R E S I M P L E R N D M O R EL I M I T E D O A N S A THAN RULESAPPLICABLE COURT. IN provision, following Definitions. usedin thisarbitration As the definitions apply: will . o "Claim" meansany case,controversy, dispute, tort,disagreement, lawsuit claimnowor or you and me arisingout of or in connection hereafter existing between with my loan. "Account" meansmy agreement withyou as evidenced the loanapplication Notealong by and with any and all records transactions or related thereto.

ADDITIONAL COVENANTS. addition the covenants agreements In to and madein the loanapplication and Note,you and I furtheragreeas follows: Agreementto arbitrate: You and I agreethat eitheryou or I may,withoutthe other'sconsent, require that any Claimsbetween you and me be submitted mandatory, to bindingarbitration exceptfor certainmattersexcluded below. provision made pursuant a transaction This arbitration is to involving interstate commerce, and shallbe governed and enforceable by, under, Federal the Arbitration (the"FAA"), U.S.C. et seq.,and (to Act I $1 the extentStatelaw is applicable), Statelaw governing transaction. the this Claims subject to Arbitration include, but are not limited to: . Claimsrelating 1) any and all aspects my Account to: of including without limilation the origination, establishment, terms, treatment, operation, handling, billing, servicing, limitations on

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relating my to or of or or termination acceleration my Account;2)anydisclosures statements this arbitration of or enforceability interpretation my Account,including 3) Account; the application, by shall be resolved provision. Any questions aboutwhat Clarmsare subjectto arbitration provision the broadest way the law will allowit to be enforced. in this interpreting arbitration with me or claiming by Claimsmadedirectly me as well as Claimsmade by anyoneconnected or on or throughme, such as a co-applicant co-signer my Account,my agent,representative includenot only Claims Similarly, Claimssubjectto arbitration heirs,or a trusteein bankruptcy. and affiliated companyand any predecessors to that relatedirectly you, a parentcompany, but of off and assigns(andthe employees, icersand directors all of these entities), successors named liable,even if you are not properly or also Claimsfor whichyou may be directly indirectly at the timethe Claimis made. totl ordinance, (including statute,regulation, Claimsbasedon any theoryof law,any contract, provision, agency respondeat superior, fraudor any intentional torl),commonlaw,constitutional or of for customor course dealing any other liability otherpersons, or otherdoctrine concerning relief). ground(including claimfor injunctive declaratory or any legalor equitable presentor f uture.Claimsare subjectto arbitration Claimsthat arosein the past,or arisein the you,me or involving or whether theyare madeindependently withotherclaimsin proceedings others. claims,interpleaders or cross-claims, third-party Claimsthat are madeas counterclaims, with respect any to in and a partywho initiates proceeding courl may electarbitration a otherwise, in Claim(s) advanced the lawsuitby any otherpafty or parties. action,and the arbitration such of Claimsmadeas partof a classactionor otherrepresentative (non-class, non-representative) lf you or I require basis. Claimsmustproceed an individual on you,me, nor any otherperson may pursue Claimin the arbitration a particular of Claim,neither generalaction,otherrepresentative any litigation, whetheras a classaction,privateattorney actionor otherwise. Claims Excluded from Arbitration: . in Any Claimsif theyare filedby you or me in a smallclaimscourt,so longas the matterremains (non-class, non-representative) basis. onlyan individual suchcourland advances

lnitiation of Arbitration: ("Arbitration must chooseone of the following threeadministrators The partyf ilingan arbitration Association; JAMS.These or Forum;American Arbitration Administrators"): National Arbitration Administrators independent from you, and you and I mustfollowtheir rulesand procedures Arbitration are lf the I for initiating and pursuing arbitration. I initiate arbitration, must also notifyyou in writingat the an you statement. you initiate arbitration, must notifyme in lf the addresslistedon my most recentbilling (if my Accountis closed)the lastaddressat whichyou writingat my then currentbillingaddressor me. Any arbitration hearing that I attendwill be held at a placechosenby the arbitrator or contacted is or Arbitration Administrator the same countywhereinthe U.S. District in Coufi for my District located at You and I may obtaincopiesof the currentruleso{ some otherplaceto whichyou and I agreein writing. including forms each of the threeArbitration Administrators namedabove,and otherrelatedmaterials, Administrators.may contactyou I and instructions initiating arbitration, contacting Arbitration for an by the Administrators. for the current teleohone numbers and addresses the Arbitration of Proceduresand law applicable in arbitration: A single,neutralarbitrator resolveClaims.The arbitrator eitherbe a lawyerwith at leastten years will will will in with the rulesof the experience a retired formerjudge.The arbitrator be selected accordance or or procedures The will arbitration administrator. arbitration be conducted underthe applicable and rulesof is the arbitration administrator are in elfecton the datethe arbitration f iled unlessthis arbitration that provision inconsistent thoseprocedures rules, whichcasethisAgreement prevail. is with and in will

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will to Theseprocedures and rulesmay limitthe amountof discovery available you or me. The arbitrator with the FAA and applicable statutes limitations, will of and substantive consistent law applyapplicable by recognized law. I may chooseto havea hearing and be represented honorclaimsof privilege at Accountinformation other and The arbitrator take reasonable will stepsto protectcustomer counsel. outside the confidential information, including use of protective the orders prohibit to disclosure if will arbitration, requested do so by you or me. The arbitrator havethe powerto awardto a partyany to law,and will not havethe powerto awardreliefto, damagesor otherreliefprovided underapplicable for The arbitrator makeany will against, for the benef of, any personwho is not a pafiy to the proceeding. or it awardin writingbut need not providea statement reasonsunlessrequested a party.Upona request of by by you or me, the arbitrator providea briefstatement the reasons the award. will for of Costs: you lf you filethe arbitration, willpaythe initial filing fee. lf I filethe arbitration, pay the initial I will filing fee I unless seekand qualify a fee waiverunderthe applicable for rulesof the Arbitration Administrator. You you willreimburse for the initial me fee if I paidit and I prevail. thereis a hearing, willpay any fees filing lf of the arbitrator and Arbitration Administrator the f irstdav of that hearino. otherfees will be for All you ed in keeping withthe rulesof the Arbitration Administrator applicable However, will and law. advanceor reimburse filinqfees and otherfees if the Arbitration Administrator arbitrator or determines you thereis good reasonfor requiring to do so, or I ask you and you determine there is good causefor doingso. Each partywill bearthe expenseof that party'sattorneys, experts, and witnesses, and other expenses, regardless whichpafty prevails, of exceptthat the arbitrator shallapplyany applicable in law determining whethera partyshouldrecover any or all expenses from anotherparty. No consolidation or joinder of parties: All parties the arbitration to mustbe individually named. Claimsby persons otherthan individually named partiesshall not be raisedor determined. Notwithstanding anything else that may be in this arbitration provision, classaction,privateattorney generalactionor otherrepresentative no actionmay be pursued in arbitration, may such actionbe pursuedin court if any partyhas electedarbitration. nor Unless consented by all parties the arbitration, to to Claimsof two or more personsmay not be joined, consolidated otherwise or (unless brought togetherin the same arbitration thosepersonsare applicants, co-applicants a singleAccountand/orrelated on Accounts parties a singletransaction related or to or transactions); is so whether notthe Claims(orany interest the Claims) this or in may havebeen assigned. Enforcement,f inality, appeals: You or I may bringan action, including summary expedited a or motion, compel to arbitration Claims of subjectto arbitration, to stay the litigation any Claimspendingarbitration, any courthaving or of in jurisdiction. Suchactionmay be brought any time,evenif any suchClaimsare partof a lawsuit, at unless a trialhas begunor a f inaljudgment has beenentered. Failure forbearance enforce or to thisarbitration provision any particular at time,or in connection any parlicular with Claims, not constitute waiver will a of any rights require to arbitration a latertimeor in connection any otherClaims. at with Any additional or different agreement betweenyou and me regarding arbitration must be in writing. Withinf ifteendays afteran awardby the singlearbitrator, partymay appealthe awardby requesting any in writinga new arbitration beforea panelof threeneutralarbitrators designated the same Arbitration by Administrator. panelwillconsider The allfactual and legalissues anew,followthe samerulesthatapply to a proceeding usinga singlearbitrator, and make decisions basedon the vote of the majority. Costswill be allocated the same way they are allocated arbitration in for beforea singlearbitralor. awardby a An panel,or an awardby a singlearbitrator afterfifteendays has passed,shallbe linal and bindingon the parties, subjectto judicialreviewthat may be permitted underthe FAA.An awardin arbitration be will enforceable provided the FAA or otherapplicable by any courthavingjurisdiction. as by law Judgment

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shall An award may be enteredin any court havingjurisdiction. award in arbitration upon any arbitration of only,and onlyin respect the Claimsin namedparties between the determine rights the and obligations nor and obligations any otherperson, on the of on arbitration, shallnot haveany bearing the rights and resolution any otherdisputeor controversy. of Severability,su rvival: (i) between or of termination modification the Noteand the relationship This shallsurvive: acceleration, of you and me concerning Note;(ii)the bankruptcy any party; or of and (iii)any transfer assignment the to my loanor the Note,or any amountsowed on my Account, any otherperson.lf any porlionof this provision deemedinvalid unenforceable, remaining portions remain shallnevertheless or the arbitration is by in force.In the eventmy loan or the Note,or any amountsowed on my Accountare assigned you to acquiring Noteby payment an insurance this or any otherperson, including insurance any company provisions uponand inureto the benefit the of the shallbe binding claim, termsof thesearbitration wereyou. as assignee and me in the samemanner and to the sameextent thoughsuchassignee ADDITIONAL AGREEMENTS by of My responsibility repaying for this Note is unaffected the liability any otherpersonto me or by your paymenthas not been made.Withoutlosingany of your rights tpilureto not notifyme that a required and/orpartialpayments, even if marked"paidin f ull". underthis Noteyou may acceptlate payments Unlessyou and I enterinto an expresswrittenagreement, restrictive no endorsement any paymentwill on be an accordand satisfaction the balancedue underthe Note.You may delay,fail to exercise, of or waiveany of your rightson any occasion withoutlosingyour entitlement exercise to such rightsat any future time or on any f utureoccasion. You willnot be obligated makeany demanduponme, sendme to any notice,present this Noteto me for paymentor makeprotestof nonpayment me beforesuingto to collect thisNoteif I am in default, law, waiveany rightI and to the extentpermitted applicable I hereby by mightotherwise haveto require such actions. This Notewill be deemedto have been made in the Stateof Nevadaand your decision whetherto on lendme moneywillbe madein Nevada. Consequently, provisions this Notewillbe governed the of by federallawsand the lawsof the Stateof Nevada, withoutregardto conflict laws rules. of I may not assignthis Noteor any of its benefits obligations. or You may assignthis Note,any amounts owedon my Account and any security interest hereunder any timewithout at notice me. to lf any provision this Noteis heldinvalid unenforceable, provision be considered of or that will omitted from the Notewithoutaffecting validity enforceability the remainder the Note. the or of of Exceptfor the forbearance deferment payments, or of whichwill be deemedaccepted me unlessI by you and I mustjointlyagree in writingto modifyany provision the Note.No objectin writing, of modification affectthe validitv enforceabilitv the remainder the Note. will or of of SECURITY INTEREST I understand the proceeds this loan are to be usedfor specif educational that of ic expenses. grantyou a I security interest any refundsof the proceeds the loan givento me by my educational in of institution or any otherpafiy.Collateral security otherloans, for otherthanthoseloanssecured my principal by whichI may havewithyou willalsosecure dwelling, this loan. NOTICES

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number telephone 30 notice you within daysafterany changein my name,address, to I willsendwritten enrollment. or school when mailedby f irstclass mailto the effective to Any noticeyou are required give me will be considered electronic delivery. if electronically I have requested most recentaddressyou havefor me or delivered ENTIRE AGREEMENT Letter(s) constitute Approval this of The termsand conditions my Application, Noteand the Conditional your ApprovalLetterregarding betweenyou and me. The termsof the Conditional the entireagreement into loan subject the termsof this Noteare herebyincorporated this Note. to rate(s) each for interest STATE LAW NOTICES applicable this Note, to rateof interest equalto the rateof interest ARIZONA:I agreeto pay an effective resultingrom any otherfees or charges f rateof interest as set forth in "interest" above,plus any additional paidor payable me in connection this Notethat may be deemed be interest to underapplicable with by taw.

in against principals provided the as I the to GEORGIA: waiveany rightto require Lender take action

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NOTICE CONSUMER: Do not sign this agreementbeforeyou TO 1. IOWA,KANSAS, AND MAINE: read it. 2. You are entitled to a copy of this agreement.3. You may prepay the unpaid balance at any time without penalty and may be entitled to receive a refund of unearnedcharges in accordancewith law. (credit report report) about N.A.may obtain consumer a MAINE, NEW YORK,AND VERMONT: Citibank, whether not repofting Uponmy request, willbe informed I or me froma consumer agency(credit bureau). report of Citibank, N.A.obtained consumer a aboutme and if so the nameand address the consumer is consumerrepofts repofting the subsequent agencythat furnished repoft.lf my application approved with (a) renewalor extension the of may be requested usedwithoutfurthernoticeto me in connection or (b) actionon my loan,or (d) other credit whichI haveapplied, reviewing loan,(c) takingcollection for my purposes legitimate associated with my loan. INDIANA AND MAINE: The provisions thisNoteregarding payment collection of the of agency costsand residents. courtcostsand wherelawsuits mustbe fileddo not applyto Maineor Indiana EXTEND MISSOURI: ORAL LOAN AGREEMENTS COMMITMENTS LOAN MONEY, OR TO CREDIT PROMISES OR TO FORBEAR FROMENFORCING REPAYMENT SUCHDEBT INCLUDING TO OF EXTEND TO YOU (BORROWER(S)) OR RENEWSUCHDEBTARE NOT ENFORCEABLE. PROTECT ANY AND US (CREDITOR) FROMMISUNDERSTANDING DISAPPOINTMENT, AGREEMENTS OR WHICHIS THE WE REACHCOVERING SUCHMATTERS ARE CONTAINED THISWRITING, IN AS COMPLETE AND EXCLUSIVE OF BETWEEN US, EXCEPT WE STATEMENT THE AGREEMENT MAY LATERAGREEIN WRITING MODIFYIT. TO OHIO:The Ohiolawsagainst discrimination require thatall creditors makecredit equally to available all creditwodhy customers and that creditreporting agenciesmaintain separate credithistories each on individual uponrequest. The OhioCivilRights with Commission administers compliance this law.

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Aftr rD 2 t 9 L o4 e t r \ 4\4E8rst1 than$3,400(or OKLAHOMA: I am in default lf and the totalamount disbursed underthis Noteis greater dollaramount established lawfor the payment suchfees),I agreeto pay the Lender's by of any higher courtcosts. '1 TEXAS RESIDENTS: contact To the Lenderaboutthis accountcall -BO0-538-8492. contractis This subjectin wholeor in pafi to Texas law which is enforced the Consumer by CreditCommissioner, 2601 phone1-512-479-1285 1-800-538-1579. NorthLamarBoulevard Austin, IX78705-4207, or Contact the Commissioner relative any inquiries complaints. to or UTAHBORROWERS AND COSIGNERS: required law,I am hereby As notified by thata negative credit reportreflecting my creditrecordmay be submitted a creditreponing on to agencyif I fail to fulfillthe termsof my creditobligations. WESTVIRGINIA RESIDENTS: provisions this Notereleasing Lender The of from liability any the for provided the Lenderby othersor arisingfrom the Lender claimarising from the use of information to providing information othersand the provisions this Noteregarding paymentof collection to of the agency costsdo not apply. ISCONSIN RESIDENTS: married For Wisconsin residents, siqnature mv confirms thatthis loan is obligation beingincurred the interest my marriage family,No provision a maritalproperty in of or of (pre-marital agreement agreement), unilateral a statement underSection 766.59 the Wisconsin of Statutes, a courtdecreeunderSection766.70adversely or affectsthe interest the creditorunless,prior of to the time the creditis granted, creditoris furnished copy of the maritalproperty the a agreement, statement, decreeor has actualknowledge the adverseprovision or of when the obligation the creditor to is incurred. the loanfor whichI am applying granted, spousewillalso receive lf is my notif ication that credithas been extended me. to VERMONT: NOTICE CO-SIGNER: TO YOURSIGNATURE THIS NOTEMEANSTHAT YOU ARE ON EQUALLYLIABLEFOR REPAYMENT THIS LOAN.IF THE BORROWER OF DOESNOT PAY THE LENDERHAS A LEGAL RIGHTTO COLLECTFROMYOU. NEW YORK:By signing a Cosigner am acting a "guarantor" if thereis a default any of the as I as and on Borrower's obligations underthe terms of the Note,I agreeto pay all sums due as set forth in the Note. Thissum couldinclude principal the plus amount owed,plusinterest otherfees/charges, reasonable and attorney fees and collections costsas provided underthe termsof the Notewhich I acknowledge receiving copypriorto signing a guarantor co-signer.alsoagreethatyou can collect a as or I thisdebt from me withoutfirsttryingto collectfrom the Borrower. NORTHCAROLINA: signing a Cosigner waiveany rightI haveto require Lender proceed By as I the to in accordance the provisions N.C.G.S. with of through 26-9and acknowledge the Lender that may 5526-7 proceeddirectly againstme withoutfirstproceeding againstthe Borrower any collateral the Loan. or for WISCONSIN BORROWERS AND COSIGNERS: provisions this Noteregarding The of default not do apply.Instead, will be in default(a) if the interval I payments two monthsor less, betweenscheduled is and I permit be outstanding amountexceeding full payment to an one whichhas remained unpaid for morethan 10 days afterits scheduled due date or deferred due date,or I fail to pay the first paymentor the lastpaymentwithin40 days of its scheduled due date or deferred due date,or (b) if the interval payments morethan two months,I permitto be outstanding or any partof one between scheduled is all payment scheduled whichhas remained unpaid morethan60 daysafterits scheduled dateor for due deferred due date. I will also be in defaultif I fail to observeany otherprovision this Note,the breachof of whichmaterially impairs ability pay the amounts my to due underthis Note. CALIFORNIA (Spanish Notice Co-signer to translation) 6AL/-s4t_

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(Spanish By Required Law) Translation AVISOPARAEL FIADOR que garantice con cuidadoantesde ponersede acuerdo.Si la esta deuda.Pienselo Se le esta pidiendo Estesegurode que personaque ha pedidoeste prestamo paga la deuda,ustedtendraque pagarla. no Si a ustedpodrapagarsi sea obligado pagarlay de que usteddeseaaceptarla responsabilidad. la que ustedtengaque pagarla suma persona que ha pedido prestamo pagala deuda, posible es el no lo en totalde la deuda,mas los cargospor tardarse el pago o el costode cobranza, cual aumentael total puedecobrarle ustedsin, primeramente, (financiero) tratarde cobrarle al a de esta suma. El acreedor que puedenusarsecontrael deudor,podranusarsecontra deudor.Los mismosmetodos cobranza de etc.Si alguna vez no se usted, talescomopresentar demanda cone,quitarparlede su sueldo, una en de se esa informacion la historia credito en cumpla con la obligacion pagarestadeuda, puedeincluir de mismoen que se le echa a ustedla responsabilidad la deuda. de de usted.Esteavisono es el contrato TO FEDERAL NOTICE CO-SIGNER The co-signer is being asked to guaranteethis debt. Think carefully before agreeingto do this. lf the Borrower doesn't pay this debt, the co-signer will have to. Be sure the co-signer can afford to pay if necessary,and that the co-signer wants to accept this responsibility.The co-signer may \ Thaveto pay up to the full amount of the debt if the Borrower does not pay. The co-signer may also ,/{ have to pay late charges or collection costs, which increasethis amount. The lender or holder of \ this loan can collect this debt from the co-signer without first trying to collect from the Borrower. n I / The lender or holder of this loan can use the same collection methods against the co-signer that / \N can be used against the Borrower,such as suing the co-signer,garnishing wages, etc. lf this debt \y is ever in default,that fact may become part of the co-signer'scredit record. This notice is not the contract that makes the co-signer liable for the debt. Version332 - Borrower's Copy 10/01/2006

Master StudentLoanPromissory Note/ Co-Signer's Copy
(thestudent-applicant) co-signer The words"1","me", "my", "us" and "mine" meanthe Borrower and (theguarantor), except whereotherwise indicated. words"you", "your", and "yours" mean The Citibank, N.A.,its successors, assigns and including insurance any company acquiring Master this Note ("Note") paymentof an insurance StudentLoan Promissory by claim. Forthe purpose determining eligibility credit, authorize of my for I N.A.(theBank), agents, Citibank, its and assignsto gathercreditinformation aboutme and to give information aboutmy application others to in accordance with applicable laws.I understand that you normally for obtaincreditreports all loan you will informme if a repod has been obtained applicants and cosigners. Uponmy request, and will give me the name and addressof the agencyfurnishing report.I understand the that f uturereportsmay be orderedon me in connection with any review,renewal extension creditunderthis Notewithout or of provide, further notice me. I authorize schooltoreceive, to my and confirm information regarding my attendance, financial and enrollment aid, status during term of this Note.I understand the the that proceeds the initialor any subsequent purposes of Loan,if approved, must be usedfor educational and that disbursements be sentto my Schoolon my behalfby checkor electronicundstransfer. will f DEFINITIONS "Academic Year" is the periodof time, not to exceed'12consecutive months,whichyour schooldefines as its "Academic Year".

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FundsTransfer The "DisbursementDate" is the date or dales,as notedon the checkor Electronic to (EFT)record, whichyou lend moneyin consideration my promiseto repayyou according the for on to termsof this Note.lt will be the date a Loan,or any partof it, is advanced me or to my schoolon my behalf . or Nole,each and everyapplication "Note" means,collectively, MasterStudentLoan Promissory this Letter,and Approval Note,Conditional request creditunderthe MasterStudentLoan Promissory for Note,unless by relating the creditreceived me underthe MasterStudentLoan Promissory to disclosures specif icallyexcluded. Dateand ends six months The "lnterim Period" is a time periodwhich beginson the first Disbursement school.The InterimPeriodwill at after I graduate ceaseto be enrolled leastparttime at an approved or studyand four (4) yearsplus six (6) neverexceedten (10)yearsplussix (6) monthsfor undergraduate monthsfor graduate study. yearplus "Loan" or "Loan(s)"meansthe principal during standard a academic sum(s)disbursed g /accrued interest sums. and fees and othercharges,if any, due on such disbursed \/ you againstthe riskof \ "Loan Fee(s)"meansa guaranty that you may chargeme to compensate fee Approval Letter,will specifywhetherthe Loan The termsof my Loan,as set forth in a Conditional default. of Fee is to be chargedto me or my Loan balanceupon:approval a Loan,upon disbursement an of phase,or at some othertime. advancemade underany Loan,at the commencement the repayment of Thisfee may be addedto the principal amount any Loan(s). of Period"is a time period whichbegins the datethe Interim Period ends.The The "Repayment on "Standard Repayment Period"is a periodof 240 months. The "Total Loan Amount" is the aggregate and amountof all disbursements advancesmade by you on all Loanssubjectto the terms of this Note. whichyou attend,or planto attend References "School" meanthe educational academicinstitution to or and in connection whichyou havesoughta Loanor Loansfrom us to defrayyour educational costs. TO PROMISE PAY I promiseto pay to Citibank, N.A.,its successors, assigns, and any otherholderof this Noteall sums disbursed underthe termsof this MasterStudentLoan Promissory Note,together with interest the at provided the Note,late paymentcharges, rates(s) in Loan Fees and any otherfees or chargesowed underthe termsof thisNote,including allowable reasonable attorneys feesand othercostsyou incur any in collecting amounts owedon this Note,all according the termsof this Note,I willnot signthe to application beforereading this Noteeven if otherwise advised. The termsand conditions forth in the set Noteconstitute entireagreement the betweenyou and me. I am entitled an exactcopy of this Note.My to signature certifies that I read,understand, agreeto the termsof this Note. and I understand and agreethat you may make multiple Loansunderthis Noteduringthe courseof my attendance one or more Schools, at and I agreethat each such Loan (whichmay consistof one or more advances disbursements my School)will be subjectto the termsof this Note.I furtherunderstand or to that individual Loan(s)may havedifferent Loan Feesand Variable Ratesas disclosed the "lnterest" in sectionbelowand/orthe Conditional Approval Letterto be sent with respect each such Loan.I to understand the termsof any Conditional that ApprovalLettersent to me with respect a Loan are to incorporated reference by intothis Note.

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Ssr.Jl(16 or lrso AP? tD ! );zo quL.tA AraBSLslf pAr,ls,L_ dates:(i) of Loanswillbe madeunderthis Noteafterthe earliest the following I agreethat no subsequent underthis Note;(ii)one the date you receivemy writtennoticethat no furlherLoansmay be disbursed is year afterthe date of my signature this Note if no disbursement made duringsuchtwelvemonth on period; (iii)f ive yearsafterthe date of my signature this Note. on or STATEMENT LOAN AMOUNTDISCLOSURE I You havethe rightnot to make a Loanor to lend me an amountlessthan the amountthat I requested. to Loan will be limited one per term with to agreethat the numberof disbursements respect an individual me of telling the amount any statement Year.You willsendme a disclosure and four per Academic required applicable by notices co-signer to any including separate and disbursement(s) otherinformation upon receiving them and will contactyou statement and otherdocuments law. I will reviewthe disclosure if I haveany questions. receipt or for to My obligation repayamountsadvanced my benefitoccursupon my receipt, my School's of of by of on my behalf, fundsdisbursed you,or a disbursement the amount any LoanFeethat I may owe you underany Loan. OWER'SRIGHTTO CANCEL I with the terms of my Loan as approved, may cancelany Loan and any lf I am not satisfied '15 you in writing within days underthis Note,I mustcontact disbursements, cancel To any disbursement notice,notifymy School,not endorseany Loancheck, statement co-signer or of receiving disclosure the of does not are to and ensurethat any Loan disbursements returned you. Cancellation a disbursement this to altermy obligation repayamountsadvanced me or to my Schoolon my behalfor to terminate to Notewith respect priorLoans.I understand to that I may also cancelor reducethe size of any '15 you letter, within daysof receiving approval the disclosure disbursement informing in writing by you within I may alsocancel any Loanby informing in writing statement any subsequent or disbursement. ApprovalLetter, disclosure statement any subsequent or 15 days of receiving Conditional the for to to disbursement by arranging all disbursements be returned you. and lf all or any portionof any Loanf undsdisbursed returned you by the Schoolor me within30 days of are to I or that if the Disbursement Date,you willchargeno interest chargeson the funds returned. understand I to a Loan is canceled, will haveto reapply obtaina new Loan. programundeftaken me, as the by I alsofully understand the that the failureto complete education Borrower, does not relieveme of any obligation this Note. on INTEREST Rate(as defined Interest eachLoanundertheNotewillbe calculated the Variable at below)beginning on on the first Disbursement Dateon the principal balanceadvanced and on any unpaidinterest addedto principal will according the Termsof Repayment to belowuntiltheNoteis paidin full.lnterest be calculated days in any year and uponthe actualnumberof calendar days basedon the actualcalendar fromthe Disbursement DateuntiltheNoteis oaidin full. in The "Variable Rate"for each Loan made underthe Note is the sum of the PrimeRateoublished Ihe WallStreetJournalunder "MoneyRates"sectionfor the day which is 30 days priorto the firstday of the plusor minusthe percentage, identified January, April, Julyand October eachyear(the"lndex") as on of the applicable Conditional Approval Letterthat I received connection in with the Loan,whichis hereby (.01"/"), in no incorporated this Note,per annum(the"Margin"), into rounded the nearest to hundredth but eventgreaterthan the maximumallowedby law.The VariableRatewill changequarterly the f irstday on of January, April,July,and Octoberof each year (eacha "ChangeDate").For example, VariableRate the for any JanuaryChangeDatewill be determined usingthe Indexpublished The WallStreetJournal by in

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Apfp 2A?aqUq:) As<6*.rs.4 €ar a-rs4q or for the preceding December 2nd. lf The WallStreetJournalisnot published the Indexis not given, preceding published Index. the eventthat In thenthe Indexwillbe determined usingthe immediately by ratepublished. the lndexceases lf morethanone PrimeRateis published, Indexwillbe the highest the you Index. to be available, willchoose comparable a I understand due on the Notewill be the aggregate amountof the interest due on that the total interest each Loan made underthe Note. TERMSOF REPAYMENT I may, but am not required make payments to duringthe InterimPeriod.lf I chooseto makevoluntary payments duringthis period,I understand that all interest must be paid beforethe principal can be reduced. You will add all unpaidinterest the principal to balanceof each Loanat the end of the InterimPeriod. you will send accountstatements my Loan(s)at leastquarterly me. Duringthe InterimPeriod, on to ing my Repayment Period,I will make consecutive monthlypayments basedon the amountsand on due datesshownon my monthly statements. understand I that as the VariableRateon my Loan(s) payment payments adjusts, monthly the amountmay increase decrease the number scheduled or or of may increase decrease be sufficient fully repayall of the principal, or to to interest, and othercharges whichare owedon this Notewithin remaining the repayment term.I understand I will receive that one billing statement whichwillseparately identify and include Loansmadeto me underthe Note. all Before beginning the Repayment the of Period may receive notice I a allowing to choose me from alternative repayment My payments the timing options. choice dictate amount the monthly will the of and payment of periodic in changes the monthly amount. I do not return lf this notice you, I willbe billed to throughout Repayment the Periodusingthe StandardRepayment Period.Regardless the Total Loan of payment neverbe lessthan$50,(unless amount Amount monthly the will the owedunderthis Noteis lessthan$50).In addition, I haveotherloanspayable you underothernotes, if to mytotalmonthly payment all of my loansto you,including Loanmadeunderthis Note,will neverbe lessthan$50 for any (unless amount the owed underall of my loansis lessthan$50.) payment lf any portion a monthly of remains unpaid a period morethan 10 daysafterthe due date, for of you may charge and I willpay a latepayment payment, never charge up to $15 per delinquent of but morethanthe maximum amount allowed law.I willpay onlyone latepayment by per monthly charge paymentregardless the numberof days it is late. of Loan payments be appliedfirstto charges,nextto unpaidinterest, will and then to principal. havethe I rightto repayall or any partof any Loansubjectto this Noteat any time withoutpenalty.lf I have more than one Loan and do not provideinstructions to whichLoan a prepayment to be applied, you may as is determine how to applyit at yourdiscretion. lf I am unableto repaymy Loan(s)according the termsof the Note,I may request to that you modifythe termsof repayment. understand I that such modification be at your discretion will and that if such modif icationresultsin a postponement forbearance payments any period,interest continue or of for will to accumulate during that period. period be addedto Any unpaidinterest the end of the forbearance at will the principal balance my Loan(s). obligation repayall Loansmadeunderthis Notewill remain of My to in forceeven if I becometotallyand permanently disabled die. or I may prepaymy Loan(s)at any time withoutpenalty. PRIVACY

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Ar< &Arcn BAN'^L_ regarding to me information of regarding disclosure nonpublic the You willgiveme notice yourpolicies of as your affiliates such disclosures and unrelated thirdpartiesand I will be giventhe rightto restrict provided law. I authorize you and any schoolI attendto transfersuch inJormation may be as by accountrecords, maintain accurate the of necessary complete to and reconcile disbursement proceeds, status. and certifymy continuing enrollment you to furnish you ask me to do so. I authorize whenever I must updatethe information my application on agencies and to otherslegally information aboutany Loan made underthis Noteto consumerreporting you to obtaincreditinformation I aboutme, now and in the allowedto receivesuch information.authorize purposeassociated is with the application any Loan.lf my application or future,for any legitimate you whichmay include specific reasons, me, as required to declined, willsendan adverse actionnotice, of about my loanto by applicable law. I understand that if I defaulton my Loan(s), disclosure information consumerreporting agenciesmay adversely affectmy creditrating. you number, authorize to release I Forthe purpose learning current of my address and telephone information makeinquiries the individualshavelisted my application. to I on and DEFAULT To the extentpermitted law, I will be in defaultand you will havethe rightto give me noticethat the by principal outstanding interest all otheramounts balance, accrued and due to you underthe termsof the Noteare due and payable once,subject any law whichmay giveme the rightto curemy default, at to payment you whendue,(2) | failto notify you of a changein my name, if (1) | failto makemy monthly to address, schoolenrollment or statuswithin30 days aftera changeoccurs,(3) | breakany of my other promises this Note,(4) any bankruptcy proceeding begunby or against in is me, (5) if I assign any of my (6) assetsfor the benefitof my creditors, | make any falsewrittenstatement applying this loan or in in for any communication concerning loan,(7) I failto remitto you any refund loanproceeds, (8) | this of or defaultunderthe termsof any otherloan made by you to me. you may cancel (future) In the eventof my death, any remaining disbursements, the lnterim Period end immediately the case of the Borrower's in death,and makea claimagainstthe estateof the decedent for payment the amount of due on the Note,whether repayment not,without in or releasing surviving the Borrower co-signerrom obligations this Noteor any Loansubject this Note. f or on to lf I defaultunderany Loan subjectto this Note,I will be required pay interest the contractrate(s) to at provided said Loan(s) for whichaccumulates afterdefaultaccording the terms of this Note.The interest to rateafterdefaultor afternoticeof demandfor paymentin full will be subjectto adjustment the same in manneras priorto the default.lf I default,I will also be responsible pay reasonable to collection costs, including reasonable attorney's charges, courtcostsand collection chargesto the extentallowedby law. "Notice" provided you underfederallaw to warn you of the negative Notice: The following is to impact thatyourdefaulting yourobligations on underthis Notemay haveon yourcreditrating. We may reportinformation aboutyour Loan(s)and this Noteto creditbureaus. Late payments, missedpayments, otherdefaults your Loan(s)may be reflected or on in your creditrepoft. I N S U R A N C E :S S I G N M E NO F N O T E A T I understand that you may obtaininsurance insurepaymentof any Loan made underthis Note upon to default. any insurance lf company, subsidiaries, assignees required its or are underany insurance agreement repayany and all Loanssubjectto this Note,such companywill becomethe holderof this to Noteand will haveall the rightsof the originallenderto enforce this Note.

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YOU OR IT THAT EITHER PROVISION CAREFULLY. PROVIDES PLEASE READTHISARBITRATION BE BY OR I CAN REQUIRE THATANY CONTROVERSY DISPUTE RESOLVED BINDING (EXCEPT AS FROMARBITRATION FOR MATTERS THATARE EXCLUDED ARBITRATION T RE S , . s p E c t F t E DB E L O W )A R B T T R A T T O N P L A C E T H E R T G H T O G O T O C O U R T I N C L U D I N GH E N A O R I G H T O A J U R YA N DT H E R I G H T O P A R T I C I P A TIE A C L A S S C T I O N R S I M I L A R T T BY ARBITRATOR PROCEEDING. ARBITRATION, DISPUTE RESOLVED A NEUTRAL IN A IS A I N S T E A D F A J U D G EO R J U R Y . R B I T R A T I OP R O C E D U R EA R E S I M P L E R N D M O R EL I M I T E D A N S O T H A NR U L E S P P L I C A B L I N C O U R T . A E provision, following Definitions. usedin thisarbitration As the definitions apply: will "Claim"meansany case,controversy, lawsuitor claim now or dispute, tort,disagreement, hereafter with my loan. existing betweenyou and me arisingout of or in connection "Account" meansmy agreement with you as evidenced the loan application by and Notealong with any and all records transactions or related thereto. ADDITIONAL In COVENANTS. addition the covenants agreements to and madein the loanapplication Note,you and lfurtheragreeas follows: tl / /and v

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You and I agreethat eitheryou or I may,withoutthe other'sconsent, require that any Claimsbetween you and me be submitted mandatory, to bindingarbitration exceptfor cefiainmattersexcluded below. provision made pursuant a transaction This arbitration is to involving interstate commerce, and shallbe governed and enforceable by, under, Federal the Arbitration (the"FAA"), U.S.C. et seq.,and (to Act 9 $1 the extentStatelaw is applicable), Statelaw governing transaction. the this Claims subject to Arbitration include, but are not limited to: Claimsrelating 1) any and all aspects my Account to: of including without limitation the origination, establishment, terms,treatment, operation, handling, limitations billing, servicing, on or termination acceleration my Account;2)anydisclosures statements or of or relating my to Account; the application, 3) enforceability interpretation my Account,including or of this arbitration provision. questions Any aboutwhatClaimsare subject arbitration to shallbe resolved by provision the broadest interpreting arbitration this in way the law will allowit to be enforced. Claimsmadedirectly me as wellas Claimsmadeby anyone by connected withme or claiming through me, suchas a co-applicant co-signer my Account, agent,representative or on my or heirs, a trustee bankruptcy. in or Similarly, Claimssubject arbitration include onlyClaims to not that relatedirectly you, a parentcompany, to affiliated companyand any predecessors and successors and assigns(andthe employees, icersand directors all of these entities), off of but also Claimsfor whichyou may be directly indirectly or liable,even if you are not properly named at the timethe Claimis made. Claimsbasedon any theoryof law,any contract, regulation, statute, ordinance, (including torl fraudor any intentional provision, tort),commonlaw,constitutional respondeat superior, agency or otherdoctrine concerning liability otherpersons, for customor course dealing any other of or ground(including claimfor injunctive declaratory legalor equitable any or relief). Claimsthat arosein the past,or arisein the presentor f uture.Claimsare subjectto arbitration whether theyare madeindependently withotherclaimsin proceedings you,me or or involving others. Claims thatare madeas counterclaims, cross-claims, third-party claims, interpleaders or otherwise, and a partywho initiates proceeding courtmay electarbitration a in with respect any to Claim(s) advanced the lawsuitby any otherpartyor parties. in

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AfPrO '. 2tgoqru, A r-a&Rts>l €,apsn L . of action,and the arbitration such Claimsmadeas partof a classactionor otherrepresentative (non-class, basis.lf you or I require non-representative) Claimsmust proceedon an individual you,me, nor any otherperson may pursue Claimin the arbitration a particular of Claim,neither generalaction,otherrepresentative whetheras a classaction,privateattorney any litigation, actionor otherwise.

Claims Excluded from Arbitration: . in so Any Claimsif theyare filedby you or me in a smallclaimscourt, longas the matterremains (non-class, non-representative) basis. suchcourtand advances onlyan individual

Initiationof Arbitration: ("Arbitration The partyfilingan arbitration must chooseone of the following threeadministrators Administrators"): National Arbitration Forum;American Arbitration Association; JAMS.These or Arbitration Administrators independent are from you, and you and I mustfollowtheir rulesand procedures for initiating and pursuing arbitration. I initiate arbitration, mustalso notifyyou in writingat the an lf I the you addresslistedon my most recentbillingstatement. you initiate arbitration, must notifyme in ll the writingat my then currentbillingaddressor (if my Accountis closed)the lastaddressat whichyou contacted me. Any arbitration hearing that I attendwill be held at a placechosenby the arbitrator or Arbitration Administrator the same countywhereinthe U.S. District in Courtfor my District locatedor at is You and I may obtaincopiesof the currentrulesof 5 y'ome otherplaceto whichyou and I agreein writing. eachof the threeArbitration Administrators namedabove,and otherrelatedmaterials, including forms /,/ t and instructions initiating arbitration, contacting Arbitration for an by the Administrators.may contactyou I S{/ for the currenttelephone numbersand addresses the Arbitration of Administrators. I lv,l '/
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Proceduresand law applicable in arbitration: A single,neutral arbitrator resolveClaims.The arbitrator eitherbe a lawyerwith at leastten years will will experience a retiredor formerjudge.The arbitrator be selectedin accordance or will withthe rulesof the procedures arbitration administrator. arbitration be conducted The will underthe applicable and rulesof the arbitration administrator are in effecton the date the arbitration filed unlessthis arbitration that is provision inconsistent thoseprocedures is with and rules,in whichcase this Agreement prevail. r,rrill Theseprocedures and rulesmay limitthe amountof discovery available you or me. The arbitrator to will applyapplicable substantive consistent law with the FAA and applicable statutes limitations, will of and honorclaimsof privilege recognized law. I may chooseto havea hearingand be represented at by The arbitrator take reasonable counsel. will stepsto protect customer Accountinformation other and confidential information, including use of protective the ordersto prohibit disclosure outsidethe arbitration, requested do so by you or me. The arbitrator havethe powerto awardto a partyany if to will damagesor otherreliefprovided underapplicable for law,and will not havethe powerto award reliefto, against, for the benefitof, any personwho is not a partyto the proceeding. or The arbitrator make any will awardin writingbut need not providea statement reasonsunlessrequested a party.Upona request of by by you or me, the arbitrator providea briefstatement the reasons the award. will of for Costs: you lf you filethe arbitration, willpaythe initial filing fee. lf I f ilethe arbitration, paythe initialilingfee I will f unlessI seek and qualify a fee waiverunderthe applicable for rulesof the Arbitration Administrator. You willreimburse for the initial me filing fee if I paidit and I prevail, thereis a hearing, willpay any fees you lf of the arbitrator and Arbitration Administrator the firstday of that hearing. otherfees will be for All allocated keepingwiththe rulesof the Arbitration in Administrator applicable you will and law. However, advanceor reimburse filingfees and otherfees if the Arbitration Administrator arbitrator or determines you thereis good reasonfor requiring to do so, or I ask you and you determine there is good causefor doingso. Eachpartywill bearthe expenseof that pafiy'sattorneys, experts, and witnesses, and other

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ss^,r.. cl16 o/ t/t(_c, Apptb i zrlbgett> A+4BAtsr-f €a61s4; law shallapplyany applicable in regardless whichpartyprevails, of exceptthat the arbitrator expenses, from anotherparty. determining whethera partyshouldrecoverany or all expenses No consolidation or joinder of parties: named All parties the arbitration mustbe individually named. Claimsby persons otherthan individually to parties shall not be raisedor determined. Notwithstanding anything elsethat may be in this arbitration provision, classaction,privateattorney generalactionor otherrepresentative no actionmay be pursued in arbitration, may such actionbe pursuedin courl if any partyhas electedarbitration. nor Unless consented by all partiesto the arbitration, to Claimsof two or more personsmay not be joined, (unless consolidated otherwise or broughttogetherin the same arbitration thosepersonsare applicants, co-applicants a singleAccountand/orrelated on Accounts parties a singletransaction related or or to transactions); is so whether notthe Claims(or any interest the Claims) may havebeen this or in assigned. Enforcement,f inality, appeals: You or I may bringan action, including summary expedited a or motion, compel to arbitration Claims of subjectto arbitration, to staythe litigation any Claimspendingarbitration, any courthaving or of in Suchactionmay be broughtat any time,even if any such Claimsare part of a lawsuit, unless has begunor a f inaljudgmenthas been entered. Failureor forbearance enforcethis arbitration to ion at any particular time,or in connection any particular with Claims, not constitute waiver will a of any rightsto require arbitration a latertime or in connection at with any otherClaims.Any additional or different agreement betweenyou and me regarding arbitration must be in writing. Withinfifteendays afteran awardby the singlearbitrator, partymay appealthe awardby requesting any in writinga new arbitration beforea panelof threeneutral arbitrators designated the same Arbitration by Administrator. panelwillconsider The allfactual and legalissues anew,follow the samerulesthatapply to a proceeding usinga singlearbitrator, and makedecisions basedon the vote of the majority, Costswill be allocated the same way they are allocated arbitration in for beforea singlearbitrator. awardby a An panel,or an awardby a singlearbitrator afterfifteendays has passed,shallbe f inaland bindingon the parties, subjectto judicialreviewthat may be permitted underthe FAA.An awardin arbitration be will enforceable provided the FAA or otherapplicable by any court havingjurisdiction. as by law Judgment uponany arbitration award may be enteredin any court havingjurisdiction. awardin arbitration An shall determine rights the and obligations between namedparties the only,and only in respect the Claimsin of arbitration, shallnot haveany bearing the rights and on and obligations any otherperson, on the of nor resolution any otherdisputeor controversy. of Severability,survival: (i) This shallsurvive: acceleration, termination modification the Noteand the relationship or of between you and me concerning Note;(ii)the bankruptcy any party; the of and (iii)any transfer assignment or of my loanor the Note,or any amountsowed on my Account, any otherperson.lf any portionof this to provision deemedinvalid unenforceable, remaining arbitration is portions or the shallnevertheless remain in force.In the eventmy loan or the Note,or any amountsowed on my Accountare assigned you to by any otherperson, including insurance any company acquiring Noteby payment an insurance this or provisions claim, termsof thesearbitration the shallbe binding uponand inureto the benefit the of assignee and me in the samemanner and to the sameextent though as suchassignee wereyou. ADDITIONAL AGREEMENTS My responsibility repaying for this Note is unaffected the liability any otherpersonto me or by your by of failure not notifyme that a required to paymenthas not been made.Withoutlosingany of your rights underthis Noteyou may acceptlate payments and/orpartialpayments, even if marked"paidin f ull".

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A M AAGq &nrh4L_ on no endorsement any paymentwill Unlessyou and I enterinto an expresswrittenagreement, restrictive or of be an accordand satisfaction the balancedue underthe Note.You may delay,fail to exercise, such rightsat any withoutlosingyour entitlement exercise to waiveany of your rightson any occasion You willnot be obligated makeany demanduponme, sendme to f uturetimeor on any f utureoccasion. of to any notice,presentthis Noteto me for paymentor make protest nonpayment me beforesuingto law, I herebywaiveany rightI and to the extentpermitted applicable by collectthis Note if I am in default, mightotherwise haveto require such actions. This Notewill be deemedto have been made in the Stateof Nevadaand your decision whetherto on lend me moneywill be made in Nevada. the of by Consequently, provisions this Notewill be governed federallawsand the lawsof the Stateof Nevada,withoutregardto conflict laws rules. of I may not assignthis Noteor any of its benefits obligations. or You may assignthis Note,any amounts owed on my Accountand any securityinterest hereunder any time withoutnoticeto me. at lf any provision this Note is held invalidor unenforceable, provision be considered of that will omittedfrom the Notewithoutaffecting validity enforceability the remainder the Note. the or of of for the forbearance deferment payments, or of whichwill be deemedaccepted me unlessI by you and I mustjointlyagreein writingto modilyany provision the Note.No objectin writing, of modification affectthe validity enforceability the remainder the Note. will or of of SECURITY INTEREST I understand that the proceeds this loanare to be usedfor specif educational of ic expenses. grantyou a I security interest any refundsof the proceeds the loan givento me by my educational in of institution or any otherparty.Collateral security otherloans,otherthanthose loanssecuredby my principal for dwelling, whichI may havewithyou willalsosecure this loan. NOTICES I willsendwritten notice you within daysalterany changein my name,address, to 30 telephone number or school enrollment. Any noticeyou are required give me will be considered to effective when mailedby firstclassmailto the most recentaddressyou havefor me or delivered electronically I have requested if electronic delivery. ENTIRE AGREEMENT The termsand conditions my Application, Noteand the Conditional of this ApprovalLetter(s) constitute the entireagreement betweenyou and me. The termsof the Conditional your ApprovalLetterregarding interest rate(s)foreach loansubjectto the termsof this Noteare herebyincorporated this Note. into STATE LAW NOTICES ARIZONA:I agreeto pay an effective rateof interest equalto the rateof interest applicable this Note, to as set forth in "interest" above,plus any additional rateof interest resultingrom any otherfees or charges f paidor payableby me in connection with this Notethat may be deemedto be interest underapplicable law. CALIFORNIA RESIDENTS: required law, I am herebynotified As by that a negative creditreportreflected on my creditrecordmay be submitted a creditreporting to agencyif I fail to fulfill the termsof my credit obligations. / A Ru,I./ACr"J rC, N1) Lst,<gso-r /

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in as against principals provided the the to I GEORGIA: waiveany rightto require Lender take action o.c.G.A. s 1o-7-24 1. NOTICE CONSUMER: Do not sign this agreementbeforeyou TO IOWA,KANSAS, AND MAINE: read it. 2. You are entitled to a copy of this agreement.3. You may prepay the unpaid balanceat any time without penalty and may be entitled to receivea refund of unearned charges in accordancewith law. (credit repofi) report about N.A.may obtain consumer a MAINE, NEW YORK,AND VERMONT: Citibank, whether not I or reporting agency(credit bureau). Uponmy request, willbe informed me froma consumer of N.A.obtained consumer a repoft aboutme and if so the nameand address the consumer Citibank, is subsequent consumerreports reporting agencythat f urnished report.lf my application approved the with (a) renewalor extension the of may be requested usedwithoutfurthernoticeto me in connection or (b) my actionon my loan,or (d) other credit whichI haveapplied, reviewing loan,(c) takingcollection for purposes legitimate associated with my loan. INDIANA AND MAINE: The provisions this Noteregarding payment collection of the of agencycostsand must be f ileddo not applyto Maineor Indianaresidents. courtcostsand where lawsuits ISSOURI: ORAL LOAN AGREEMENTS COMMITMENTS LOAN MONEY. OR TO EXTEND CREDIT OR TO FORBEAR FROMENFORCING REPAYMENT SUCHDEBT INCLUDING OF PROMISES TO yOU (BORROWER(S)) D OR RENEWSUCHDEBTARE NOT ENFORCEABLE, PROTECT TO AND US (CRED|TOR) FROMMTSUNDERSTANDTNGDISAPPOTNTMENT, AGREEMENTS ANY OR WE REACHCOVERING SUCHMATTERS ARE CONTAINED THISWRITING, IN WHICHIS THE COMPLETE AND EXCLUSIVE STATEMENT THE AGREEMENT OF BETWEEN AS US. EXCEPT WE MAY LATERAGREEIN WRITING MODIFYIT. TO OHIO:The Ohiolawsagainst discrimination require thatall creditors makecreditequally available all to creditworthy customers and that creditreporting agencies maintain separate credithistories each on individual uponrequest. The OhioCivilRights Commission administers compliance this law. with OKLAHOMA: I am in default lf and the totalamount disbursed underthis Noteis greater than$3,400(or any higher dollaramount established law for the payment suchfees),I agreeto paythe Lender's by of courtcosts. '1-800-538-8492. TEXASRESIDENTS: contact Lender To the aboutthisaccount call Thiscontract is subject wholeor in pad to Texaslaw whichis enforced the Consumer in by CreditCommissioner, 2601 phone1-512-479-1285 1-800-538-1579. NofihLamarBoulevard Austin, fX78705-4207, or Contact the relative any inquiries complaints. Commissioner to or UTAHBORROWERS AND COSIGNERS: required law,I am hereby As by notified thata negative credit reportreflecting my creditrecordmay be submitted a creditreporting on to agencyif I failto fulfillthe termsof my creditobligations. WESTVIRGINIA RESIDENTS: provisions this Notereleasing Lender rom liability any The of the f for provided the Lender others arising claimarising fromthe use of information to by or fromthe Lender providing information othersand the provisions this Note regarding payment collection to of the of agency costsdo not apply. WISCONSIN RESIDENTS: married For Wisconsin residents, signature my confirms thatthis loan obligation beingincurred the interest my marriage family.No provision a maritalproperty is in of or of (pre-marital agreement agreement), unilateral a statement underSection 766.59 the Wisconsin of Statutes, a coutt decreeunderSection766.70 or adversely affectsthe interest the creditor of unless,prior to the time the creditis granted, creditor furnished copy of the maritalproperty the is a agreement, (*o ^e*, 6ssxtfr(ilntn,+7 )

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ol whenthe obligation the creditor to statement, decreeor has actualknowledge the adverseprovision or that is incurred. the loanfor which I am applying granted, spousewill also receivenotification lf is my credithas been extended me. to YOURSIGNATURE THISNOTEMEANSTHAT YOU ARE ON VERMONT: NOTICE CO-SIGNER: TO DOESNOT PAY THE EQUALLYLIABLEFOR REPAYMENT THIS LOAN.IF THE BORROWER OF LENDERHAS A LEGAL RIGHTTO COLLECTFROMYOU. I and on NEW YORK:By signing a Cosigner am acting a "guarantor" if thereis a default any of the as as Borrower's obligations underthe terms of the Note,I agreeto pay all sums due as set forth in the Note. plus Thissum couldinclude principal the amountowed,plusinterest otherfees/charges, reasonable and fees and collections attorney costsas provided underthe termsof the Notewhich I acknowledge receiving copy priorto signingas a guarantor co-signer. also agreethat you can collectthis debt I a or from me withoutfirsttryingto collectfrom the Borrower. NORTHCAROLINA: signing a Cosigner waiveany rightI haveto require Lender proceed I By as the to in accordance the provisions N.C.G.S. with of through 26-9and acknowledge the Lender may that 5526-7 proceed directly againstme withoutfirst proceeding againstthe Borrower any collateral the Loan. or for provisions thisNoteregarding CONSIN BORROWERS AND COSIGNERS:The of default not do payments two monthsor less, apply.Instead, will be in default(a) if the interval I is between scheduled and I permit be outstanding amountexceeding full payment to an one whichhas remained unpaid for than 10 days afterits scheduled due date or deferred due date,or I fail to pay the f irst paymentor the lastpaymentwithin40 days of its scheduled due date or deferred due date,or (b) if the interval payments morethan two months,I permitto be outstanding or any pafi of one between scheduled is all paymentwhichhas remained scheduled unpaidfor morethan 60 days afterits scheduled due date or deferred due date. I will also be in defaultif I fail to observeany otherprovision this Note,the breachof of whichmaterially impairs ability pay the amounts my to due underthis Note. (Spanish CALIFORNIA Notice Co-signer to translation) (Spanish AVISOPARAEL FIADOR Translation Required Law) By que garantice Se le estapidiendo estadeuda.Pienselo cuidado con antesde ponerse acuerdo. la de Si persona que ha pedido esteprestamo pagala deuda,ustedtendraque pagarla. no Esteseguro que de ustedpodrapagarsi sea obligado pagarlay de que usteddeseaaceptarla responsabilidad. la a Si persona que ha pedido prestamo pagala deuda,es posible que ustedtengaque pagarla suma el no totalde la deuda,mas los cargospor tardarseen el pago o el costode cobranza, cual aumentael total lo puedecobrarle ustedsin, primeramente, de esta suma. El acreedor(financiero) a tratarde cobrarle al que puedenusarsecontrael deudor,podranusarsecontra deudor.Los mismosmetodosde cobranza usted, talescomopresentar demanda cofte,quitarpartede su sueldo, una en etc.Si alguna vez no se cumpla con la obligacion pagarestadeuda, puedeincluir de se esa informacion la historia credito en de de usted,Esteavisono es el contrato mismoen que se le echa a ustedla responsabilidad la deuda. de FEDERAL NOTICE CO.SIGNER TO The co-signer is being asked to guaranteethis debt. Think carefully before agreeing to do this. lf the Borrower doesn't pay this debt, the co-signer will have to. Be sure the co-signer can afford to pay if necessary,and that the co-signer wants to accept this responsibility.The co-signer may have to pay up to the full amount of the debt if the Borrower does not pay. The co-signer may also have to pay late charges or collection costs, which increasethis amount. The lender or holder of this loan can collect this debt from the co-signer without first trying to collect from the Borrower. The lender or holder of this loan can use the same collection methods against the co-signer that

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