<table style="width:100%;">
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<tbody>
<tr class="odd">
<td colspan="3"><img src="media/image1.bmp" /></td>
<td colspan="16"><p><strong>Endorser Addendum</strong></p>
<p><strong>Application and Master Promissory Note: Federal Direct PLUS
Loan</strong></p>
<p><strong>William D. Ford Federal Direct Loan Program</strong></p>
<p>Warning: Any person who knowingly makes a false statement or
misrepresentation on this form shall be subject to penalties which may
include fines, imprisonment, or both, under the U.S. Criminal Code and
20 U.S.C. 1097.</p></td>
<td colspan="3"><h1 id="section"></h1></td>
</tr>
<tr class="even">
<td colspan="22"><p><strong><em>NOTE TO ENDORSER</em>:</strong></p>
<p><strong>By signing this Endorser Addendum (Addendum), you (1) agree
to repay the loan under the terms and conditions of the Federal Direct
PLUS (Direct PLUS) Loan Application and Master Promissory Note (MPN)
signed by the borrower if the borrower does not repay the loan, and (2)
agree that your rights under the MPN are governed by the Higher
Education Act of 1965, as amended (20 U.S.C. 1070 <u>et seq.</u>), and
other applicable federal laws and regulations. The terms and conditions
of the MPN are presented in Section E of this Addendum and in the
accompanying document called “Borrower’s Rights and Responsibilities
Statement”.</strong></p></td>
</tr>
<tr class="odd">
<td colspan="22"><h2 id="section-a-endorser-information">SECTION A:
ENDORSER INFORMATION </h2></td>
</tr>
<tr class="even">
<td colspan="10"><strong>1. Name (last, first, middle
initial)</strong></td>
<td colspan="7"><strong>2. Social Security No.</strong></td>
<td colspan="5"><strong>3. Date of Birth (MM/DD/YYYY)</strong></td>
</tr>
<tr class="odd">
<td colspan="10"></td>
<td colspan="7"></td>
<td colspan="5"></td>
</tr>
<tr class="even">
<td colspan="10"></td>
<td colspan="7"></td>
<td colspan="5"></td>
</tr>
<tr class="odd">
<td colspan="10"></td>
<td colspan="7"></td>
<td colspan="5"></td>
</tr>
<tr class="even">
<td colspan="10"><strong>4. Permanent Address (street, city, state, zip
code)</strong></td>
<td colspan="7"><strong>5. Home Area Code/Telephone No.</strong></td>
<td colspan="5"><strong>6. Driver’s License State and No.</strong></td>
</tr>
<tr class="odd">
<td colspan="10"></td>
<td colspan="7"></td>
<td colspan="5"></td>
</tr>
<tr class="even">
<td colspan="10"></td>
<td colspan="12"><p><strong>7. U.S. Citizenship Status (check
one)</strong></p>
<p>(1) U.S. Citizen or National</p>
<p>(2) Permanent Resident/Other Eligible Non-Citizen</p>
<p>If (2), Alien Registration No.</p></td>
</tr>
<tr class="odd">
<td colspan="10"><strong>8. Employer’s Name</strong></td>
<td colspan="12"><strong>9. Employer’s Area Code/Telephone
No.</strong></td>
</tr>
<tr class="even">
<td colspan="10"></td>
<td colspan="12">( )</td>
</tr>
<tr class="odd">
<td colspan="10"><strong>10. Employer’s Address (street, city, state,
zip code)</strong></td>
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="10"></td>
<td colspan="12"></td>
</tr>
<tr class="odd">
<td colspan="10"></td>
<td colspan="12"></td>
</tr>
<tr class="even">
<td colspan="22"><strong>11. References: You must list two persons with
different U.S. addresses who have known you for at least three years. Do
not list the Direct PLUS Loan borrower or the student as a
reference.</strong></td>
</tr>
<tr class="odd">
<td colspan="6"></td>
<td></td>
<td colspan="7"></td>
<td colspan="2"></td>
<td colspan="6"></td>
</tr>
<tr class="even">
<td colspan="2"><h3 id="name">Name</h3></td>
<td colspan="2">1.</td>
<td colspan="7"></td>
<td>2.</td>
<td colspan="9"></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="7"></td>
<td></td>
<td colspan="9"></td>
<td></td>
</tr>
<tr class="even">
<td colspan="2">Permanent Street Address</td>
<td colspan="2"></td>
<td colspan="7"></td>
<td></td>
<td colspan="9"></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="7"></td>
<td></td>
<td colspan="9"></td>
<td></td>
</tr>
<tr class="even">
<td colspan="2">City, State, Zip Code</td>
<td colspan="2"></td>
<td colspan="7"></td>
<td></td>
<td colspan="9"></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="2"></td>
<td colspan="2"></td>
<td colspan="7"></td>
<td></td>
<td colspan="9"></td>
<td></td>
</tr>
<tr class="even">
<td colspan="2">Area Code/Telephone No.</td>
<td colspan="3">( )</td>
<td colspan="6"></td>
<td colspan="4">( )</td>
<td colspan="6"></td>
<td></td>
</tr>
<tr class="odd">
<td colspan="6"></td>
<td colspan="8"></td>
<td colspan="8"></td>
</tr>
<tr class="even">
<td colspan="22"><h2 id="section-b-parent-information">SECTION B: PARENT
INFORMATION</h2></td>
</tr>
<tr class="odd">
<td colspan="8"><strong>12. Parent Borrower’s Name (last, first, middle
initial)</strong></td>
<td colspan="8"><strong>13. Parent Borrower’s Social Security
No.</strong></td>
<td colspan="6"><strong>14. Parent Borrower’s Date of Birth
(M/DD/YYYY)</strong></td>
</tr>
<tr class="even">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="odd">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="even">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="odd">
<td colspan="8"><strong>15.Parent Borrower’s Permanent Address (street,
city, state, zip code)</strong></td>
<td colspan="8"><strong>16. Loan Identification No.</strong></td>
<td colspan="6"><strong>17. Direct PLUS Loan Amount</strong></td>
</tr>
<tr class="even">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="odd">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="even">
<td colspan="8"><strong>18. Parent Borrower’s Home Area Code/Telephone
No.</strong></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="odd">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="even">
<td colspan="22"><h2 id="section-c-student-information">SECTION C:
STUDENT INFORMATION</h2></td>
</tr>
<tr class="odd">
<td colspan="8"><strong>19. Student’s Name (last, first, middle
initial)</strong></td>
<td colspan="8"><strong>20. Student’s Social Security No.</strong></td>
<td colspan="6"><strong>21. Name and Address of Student’s
School</strong></td>
</tr>
<tr class="even">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="odd">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="even">
<td colspan="8"></td>
<td colspan="8"></td>
<td colspan="6"></td>
</tr>
<tr class="odd">
<td colspan="9"><h2 id="section-d-endorsers-promise-to-pay">SECTION D:
ENDORSER’S PROMISE TO PAY </h2></td>
<td colspan="13"><em><strong>READ CAREFULLY BEFORE SIGNING
BELOW</strong></em></td>
</tr>
<tr class="even">
<td colspan="22"><p>22. Under penalty of perjury, I certify that (1) the
information contained in Section A of this Addendum is true and
accurate, and (2) I am not the student on whose behalf the borrower is
receiving the Direct PLUS Loan.</p>
<p>23. I understand that this is an Addendum to a Direct PLUS Loan MPN.
I will not sign the Addendum before reading the entire Addendum, even if
I am told not to read it, or told that I am not required to read it.</p>
<p>24. I am entitled to an exact copy of this Addendum and the
Borrower’s Rights and Responsibilities Statement. My signature below
certifies that I have read, understand, and agree to the terms and
conditions of the MPN (as shown in Section E of this Addendum), this
Addendum, and the accompanying Borrower’s Rights and Responsibilities
Statement.</p>
<p>25. I authorize the U.S. Department of Education (ED) to investigate
my credit record and report information about my loan status to persons
and organizations permitted by law to receive that information. I
understand that if the borrower becomes delinquent in making payments or
defaults on the loan made under the MPN, ED may report my name to credit
bureaus in connection with the delinquent or defaulted loan.</p>
<p>26. If the borrower identified in Section B does not repay the loan
that is disbursed under the MPN, I promise to repay the full amount of
the loan to ED, including unpaid principal, accrued interest, and other
charges and fees which may become due, as provided on the MPN and this
Addendum. If I fail to make payments on the loan made under the MPN and
this Addendum when due, I will also pay reasonable collection costs,
including but not limited to attorney’s fees, court costs, and other
fees. I understand that ED may use the same collection efforts against
me that may be used against the borrower. These methods may include, but
are not limited to, suing me and garnishing my wages.</p>
<p>27. The maximum loan amount that may be disbursed to the borrower
under this MPN is shown in Item 17 of Section B of this Addendum. The
actual amount disbursed to the borrower may be less than the amount
shown.</p>
<blockquote>
<p><strong>I UNDERSTAND THAT THIS IS A FEDERAL LOAN THAT I MUST REPAY IF
THE BORROWER DOES NOT REPAY THE LOAN.</strong></p>
</blockquote></td>
</tr>
<tr class="odd">
<td>28. Endorser’s Signature</td>
<td colspan="12"></td>
<td colspan="5">29. Today’s Date <em>(Month/Day/Year)</em></td>
<td colspan="2"></td>
<td colspan="2"></td>
</tr>
<tr class="even">
<td colspan="22"></td>
</tr>
</tbody>
</table>

+-----------------------+-----------------------+-----------------------+
| **Addendum -- Direct  |                       |                       |
| PLUS Loan MPN**       |                       |                       |
| *(continued)*         |                       |                       |
+-----------------------+-----------------------+-----------------------+
| ***SECTION E: MPN     |                       |                       |
| TERMS AND             |                       |                       |
| CONDITIONS***         |                       |                       |
+-----------------------+-----------------------+-----------------------+
| ##                    | ### INTEREST          | ### ACC               |
| # *NOTE TO ENDORSER:* |                       | ELERATION AND DEFAULT |
|                       | Unless the U.S.       |                       |
| *This is an Addendum  | Department of         | At ED's option, the   |
| to the Federal Direct | Education (ED)        | entire unpaid balance |
| PLUS (Direct PLUS)    | notifies me in        | of a loan made under  |
| Loan Application and  | writing of a lower    | this MPN will become  |
| Master Promissory     | rate, the interest    | immediately due and   |
| Note (MPN) signed by  | rate for any loan I   | payable (this is      |
| the borrower of the   | receive under this    | called                |
| Direct PLUS Loan. By  | MPN is determined     | "acceleration") if    |
| signing this          | using a formula       | any one of the        |
| Addendum, you are     | specified in the Act. | following events      |
| agreeing to repay     | As explained in the   | occurs: (1) the       |
| only the loan that is | Borrower's Rights and | student for whom I am |
| identified in Section | Responsibilities      | borrowing fails to    |
| B of this Addendum,   | Statement, I will be  | enroll as at least a  |
| if the borrower does  | notified of the       | half-time student at  |
| not repay that loan.  | actual interest rate  | the school that       |
| No additional loans   | for each loan that I  | certified my loan     |
| may be made to the    | receive.              | eligibility; (2) I    |
| borrower under this   |                       | fail to use the       |
| MPN.*                 | ED charges interest   | proceeds of the loan  |
|                       | on the unpaid         | solely for            |
| *This section of the  | principal balance of  | educational expenses  |
| Addendum contains the | each loan from the    | of the student for    |
| terms and conditions  | date of disbursement  | whom I borrowed; (3)  |
| of the MPN signed by  | until the loan is     | I make a false        |
| the borrower.         | paid in full. This    | representation that   |
| Important additional  | includes interest     | results in my         |
| information is also   | that accrues during   | receiving a loan for  |
| contained in the      | deferment,            | which I am not        |
| Borrower's Rights and | forbearance, or other | eligible; or (4) I    |
| Responsibilities      | periods. I agree to   | default on the loan.  |
| Statement             | pay all interest      |                       |
| accompanying this     | charges on my loan. I | The following events  |
| Addendum. As an       | will be given the     | will constitute a     |
| endorser, you are not | opportunity to pay    | default on my loan:   |
| entitled to all of    | the interest that     | (1) I fail to pay the |
| the same benefits as  | accrues during a      | entire unpaid balance |
| a Direct PLUS Loan    | period of authorized  | of the loan after ED  |
| borrower. For         | deferment or          | has exercised its     |
| complete information  | forbearance. If I do  | option under items    |
| regarding your rights | not pay the interest, | (1), (2), and (3) in  |
| and responsibilities  | I understand that ED  | the preceding         |
| as an endorser,       | may capitalize the    | paragraph; (2) I fail |
| please read the       | interest at the end   | to make installment   |
| Borrower's Rights and | of the deferment or   | payments when due,    |
| Responsibilities      | forbearance, as       | provided my failure   |
| Statement.*           | provided under the    | has persisted for at  |
|                       | Act.                  | least 270 days; or    |
| ### GOVERNING LAW     |                       | (3) I fail to comply  |
|                       | ### LOAN FEE          | with other terms of   |
| ###                   |                       | the loan, and ED      |
| The terms of this App | A loan fee is charged | reasonably concludes  |
| lication and Master P | for each Direct PLUS  | that I no longer      |
| romissory Note (MPN)  | Loan as provided by   | intend to honor my    |
| will be interpreted i | the Act, and will be  | repayment obligation. |
| n accordance with the | deducted              | If I default, ED may  |
|  Higher Education Act | proportionately from  | capitalize all the    |
|  of 1965, as amended  | each disbursement of  | outstanding interest  |
| (20. U.S.C. 1070 [et  | each of my loans. The | into a new principal  |
| seq]{.underline}.), a | loan fee will be      | balance, and          |
| nd other applicable f | shown on disclosure   | collection costs will |
| ederal laws and regul | statements that will  | become immediately    |
| ations (collectively  | be issued to me. I    | due and payable.      |
| referred to as the "A | understand the loan   |                       |
| ct"). Applicable stat | fee may be refundable | If I default, the     |
| e law, except as pree | only as permitted by  | default will be       |
| mpted by federal law, | the Act.              | reported to national  |
|  may provide for cert |                       | credit bureaus and    |
| ain borrower rights,  | ### LATE CHARGES      | will significantly    |
| remedies, and defense |  AND COLLECTION COSTS | and adversely affect  |
| s in addition to thos |                       | my credit history. I  |
| e stated in this MPN. | ED may collect from   | understand that a     |
|                       | me: (1) a late charge | default will have     |
| ### DIS               | for each late         | additional adverse    |
| CLOSURE OF LOAN TERMS | installment payment   | consequences to me as |
|                       | if I fail to make any | disclosed in the      |
| This MPN applies to   | part of a required    | Borrower's Rights and |
| Federal Direct PLUS   | installment payment   | Responsibilities      |
| (Direct PLUS) Loans.  | within 30 days after  | Statement.            |
| Under this MPN, the   | it becomes due, and   |                       |
| principal amount that | (2) any other charges | ####                  |
| I owe, and am         | and fees that are     | ### **LEGAL NOTICES** |
| required to repay,    | permitted by the Act  |                       |
| will be the sum of    | related to the        | Any notice required   |
| all disbursements     | collection of my      | to be given to me     |
| that are made (unless | loans. If I default   | will be effective if  |
| I reduce or cancel    | on my loans, I will   | mailed by first class |
| any disbursements as  | pay reasonable        | mail to the most      |
| explained below under | collection costs,     | recent address ED has |
| Loan Cancellation),   | plus court costs and  | for me. I will        |
| plus any unpaid       | attorney fees.        | immediately notify ED |
| interest that is      |                       | of a change of        |
| capitalized and added | ### REPAYMENT         | address or status as  |
| to the principal      |                       | specified in the      |
| amount.               | I must repay the full | Borrower's Rights and |
|                       | amount of the loans   | Responsibilities      |
| At or before the time | made under this MPN,  | Statement.            |
| of the first          | including interest. I |                       |
| disbursement of each  | will repay each loan  | If ED fails to        |
| loan, a disclosure    | in monthly            | enforce or insist on  |
| statement will be     | installments during a | compliance with any   |
| sent to me            | repayment period that | term on this MPN,     |
| identifying the       | begins on the day of  | this does not waive   |
| amount of the loan    | the final             | any right of ED. No   |
| and additional terms  | disbursement of that  | provision of this MPN |
| of the loan.          | loan. Payments made   | may be modified or    |
| Important additional  | by me or on my behalf | waived except in      |
| information is also   | will be applied first | writing by ED. If any |
| contained in the      | to late charges and   | provision of this MPN |
| Borrower's Rights and | collection costs that | is determined to be   |
| Responsibilities      | are due, then to      | unenforceable, the    |
| Statement             | interest that has not | remaining provisions  |
| accompanying this     | been paid, and        | will remain in force. |
| MPN. The Borrower's   | finally to the        |                       |
| Rights and            | principal amount of   |                       |
| Responsibilities      | the loan.             |                       |
| Statement and any     |                       |                       |
| disclosure statement  | The Direct Loan       |                       |
| I receive in          | Servicing Center will |                       |
| connection with any   | provide me with a     |                       |
| loan under this MPN   | choice of repayment   |                       |
| are hereby            | plans. Information on |                       |
| incorporated into     | these repayment plans |                       |
| this MPN.             | is included in the    |                       |
|                       | Borrower's Rights and |                       |
| I may request         | Responsibilities      |                       |
| additional loan funds | Statement.            |                       |
| to pay for the        |                       |                       |
| student's educational | The Direct Loan       |                       |
| costs by contacting   | Servicing Center will |                       |
| the school's          | provide me with a     |                       |
| financial aid office. | repayment schedule    |                       |
| The school will       | that identifies my    |                       |
| determine if I am     | payment amounts and   |                       |
| eligible for any      | due dates. If I am    |                       |
| additional loan       | unable to make my     |                       |
| funds. I will be      | scheduled loan        |                       |
| notified of any       | payments, ED may      |                       |
| increase or other     | allow me to           |                       |
| change in the amount  | temporarily stop      |                       |
| of my loan.           | making payments,      |                       |
|                       | reduce my payment     |                       |
| I understand that     | amount, or extend the |                       |
| each loan made under  | time for making       |                       |
| this MPN is           | payments, as long as  |                       |
| separately            | I intend to repay my  |                       |
| enforceable based on  | loan. Allowing me to  |                       |
| a true and exact copy | temporarily delay or  |                       |
| of this MPN.          | reduce loan payments  |                       |
|                       | is called             |                       |
| ### LOAN CANCELLATION | forbearance.          |                       |
|                       |                       |                       |
| I may pay back all or | I agree that ED may   |                       |
| part of a             | adjust payment dates  |                       |
| disbursement within   | on my loans or may    |                       |
| the timeframes set by | grant me forbearance  |                       |
| the Act, as explained | to eliminate a        |                       |
| in the Borrower's     | delinquency that      |                       |
| Rights and            | remains even though I |                       |
| Responsibilities      | am making scheduled   |                       |
| Statement and in a    | installment payments. |                       |
| disclosure statement  |                       |                       |
| that I will receive.  | I may prepay all or   |                       |
| If I return the full  | any part of the       |                       |
| loan amount within    | unpaid balance on my  |                       |
| those timeframes, I   | loans at any time     |                       |
| will not incur any    | without penalty. If I |                       |
| loan fee or interest  | do not specify which  |                       |
| charges. If I return  | loans I am prepaying, |                       |
| part of a             | ED will determine how |                       |
| disbursement within   | to apply the          |                       |
| those timeframes, the | prepayment in         |                       |
| loan fee and interest | accordance with the   |                       |
| charges will be       | Act. After I have     |                       |
| reduced in proportion | repaid in full a loan |                       |
| to the amount         | made under this MPN,  |                       |
| returned.             | ED will send me a     |                       |
|                       | letter telling me     |                       |
|                       | that I have paid off  |                       |
|                       | my loan.              |                       |
+-----------------------+-----------------------+-----------------------+

+----------------------+----------------------+-----------------------+
| **Addendum -- Direct |                      |                       |
| PLUS Loan MPN**      |                      |                       |
| *(continued)*        |                      |                       |
+----------------------+----------------------+-----------------------+
| ***SECTION F:        |                      |                       |
| INSTRUCTIONS FOR     |                      |                       |
| COMPLETING THE       |                      |                       |
| ADDENDUM***          |                      |                       |
+----------------------+----------------------+-----------------------+
| *Use a blue or black |                      |                       |
| ink ball point pen   |                      |                       |
| or typewriter to     |                      |                       |
| complete Sections A  |                      |                       |
| and D of this        |                      |                       |
| Addendum (Sections B |                      |                       |
| and C will be        |                      |                       |
| completed by ED). Do |                      |                       |
| not use pencil.*     |                      |                       |
+----------------------+----------------------+-----------------------+
| ###### SECTION       | **Item 7.** Place a  | **Items 8, 9, and     |
|  A: ENDORSER INFORMA | check in the box     | 10.** Enter your      |
| TION {#section-a-end | that corresponds to  | employer's name, area |
| orser-information-1} | your citizenship     | code and telephone    |
|                      | status. If you check | number, and address   |
| **Item 1.** Enter    | box (2), enter your  | (street, city, state, |
| your last name, then | Alien Registration   | zip code). If you are |
| your first name and  | Number.              | self-employed, enter  |
| middle initial.      |                      | the name, address,    |
|                      | **(1)** "U.S.        | and telephone number  |
| **Item 2.** Enter    | Citizen" includes    | of your business.     |
| your nine-digit      | citizens of the 50   |                       |
| Social Security      | states, the District | **Item 11.** Enter    |
| Number.              | of Columbia, Puerto  | the requested         |
|                      | Rico, the U.S.       | information for two   |
| **Item 3.** Using    | Virgin Islands,      | adults who do not     |
| only numbers, enter  | Guam, and the        | have the same         |
| the month, day and   | Northern Mariana     | address. References   |
| four-digit year of   | Islands. "National"  | who live outside the  |
| your birth. (For     | includes not only    | United States are not |
| example, for June    | all U.S. citizens,   | acceptable. If a      |
| 24, 1954, you would  | but also citizens of | reference does not    |
| enter 06/24/1954.)   | American Samoa and   | have a telephone      |
|                      | Swain's Island.      | number, write "N/A."  |
| **Item 4.** Enter    |                      |                       |
| your permanent home  | > **(2)** "Permanent | #######               |
| street address       | > Resident" means    | **SECTION D: ENDORSER |
| (including apartment | > someone who can    | 'S PROMISE TO REPAY** |
| number, if           | > provide            |                       |
| applicable), city,   | > documentation of   | **Items 22, 23, 24,   |
| state, and zip code. | > this status from   | 25, 26, and 27**.     |
| If you have a Post   | > the U.S.           | Read these items      |
| Office Box and a     | > Immigration and    | carefully.            |
| street address, list | > Naturalization     |                       |
| both.                | > Service. "Other    | **Items 28 and 29.**  |
|                      | > Eligible           | Sign your full legal  |
| **Item 5.** Enter    | > Non-Citizen"       | name, in blue or      |
| the area code and    | > includes           | black ink, and enter  |
| telephone number for | > individuals who    | the date you signed   |
| the address listed   | > can provide        | this Addendum. Show   |
| in item 4. If you do | > documentation from | the date as           |
| not have a           | > the U.S.           | month/day/year.       |
| telephone, write     | > Immigration and    |                       |
| "N/A."               | > Naturalization     |                       |
|                      | > Service that they  |                       |
| **Item 6.** Enter    | > are in the United  |                       |
| the two-letter state | > States for a       |                       |
| abbreviation for the | > purpose that is    |                       |
| state that issued    | > not temporary,     |                       |
| your current         | > with the intention |                       |
| driver's license,    | > of becoming a      |                       |
| followed by your     | > citizen or         |                       |
| driver's license     | > permanent          |                       |
| number. If you do    | > resident. This     |                       |
| not have a driver's  | > category includes  |                       |
| license, write       | > refugees, persons  |                       |
| "N/A."               | > granted asylum,    |                       |
|                      | > Cuban-Haitian      |                       |
|                      | > entrants,          |                       |
|                      | > temporary          |                       |
|                      | > residents under    |                       |
|                      | > the Immigration    |                       |
|                      | > Reform and Control |                       |
|                      | > Act of 1986, and   |                       |
|                      | > others.            |                       |
|                      | >                    |                       |
|                      | > **NOTE: If your    |                       |
|                      | > citizenship status |                       |
|                      | > is not one of the  |                       |
|                      | > categories         |                       |
|                      | > described above,   |                       |
|                      | > you are not        |                       |
|                      | > eligible to be an  |                       |
|                      | > endorser.**        |                       |
+----------------------+----------------------+-----------------------+
| ***SECTION G:        |                      |                       |
| IMPORTANT NOTICES*** |                      |                       |
+----------------------+----------------------+-----------------------+
| ##### GRAMM-LEA      |                      |                       |
| CH-BLILEY ACT NOTICE |                      |                       |
|                      |                      |                       |
| In 1999, Congress    |                      |                       |
| enacted the          |                      |                       |
| Gramm-Leach-Bliley   |                      |                       |
| Act (Public Law      |                      |                       |
| 106-102). This Act   |                      |                       |
| requires that        |                      |                       |
| lenders provide      |                      |                       |
| certain information  |                      |                       |
| to their customers   |                      |                       |
| regarding the        |                      |                       |
| collection and use   |                      |                       |
| of nonpublic         |                      |                       |
| personal             |                      |                       |
| information.         |                      |                       |
|                      |                      |                       |
| We disclose          |                      |                       |
| nonpublic personal   |                      |                       |
| information to third |                      |                       |
| parties only as      |                      |                       |
| necessary to process |                      |                       |
| and service your     |                      |                       |
| loan and as          |                      |                       |
| permitted by the     |                      |                       |
| Privacy Act of 1974. |                      |                       |
| See the Privacy Act  |                      |                       |
| Notice below. We do  |                      |                       |
| not sell or          |                      |                       |
| otherwise make       |                      |                       |
| available any        |                      |                       |
| information about    |                      |                       |
| you to any third     |                      |                       |
| parties for          |                      |                       |
| marketing purposes.  |                      |                       |
|                      |                      |                       |
| We protect the       |                      |                       |
| security and         |                      |                       |
| confidentiality of   |                      |                       |
| nonpublic personal   |                      |                       |
| information by       |                      |                       |
| implementing the     |                      |                       |
| following policies   |                      |                       |
| and practices. All   |                      |                       |
| physical access to   |                      |                       |
| the sites where      |                      |                       |
| nonpublic personal   |                      |                       |
| information is       |                      |                       |
| maintained is        |                      |                       |
| controlled and       |                      |                       |
| monitored by         |                      |                       |
| security personnel.  |                      |                       |
| Our computer systems |                      |                       |
| offer a high degree  |                      |                       |
| of resistance to     |                      |                       |
| tampering and        |                      |                       |
| circumvention. These |                      |                       |
| systems limit data   |                      |                       |
| access to our staff  |                      |                       |
| and contract staff   |                      |                       |
| on a "need-to-know"  |                      |                       |
| basis, and control   |                      |                       |
| individual users'    |                      |                       |
| ability to access    |                      |                       |
| and alter records    |                      |                       |
| within the systems.  |                      |                       |
| All users of these   |                      |                       |
| systems are given a  |                      |                       |
| unique user ID with  |                      |                       |
| personal             |                      |                       |
| identifiers. All     |                      |                       |
| interactions by      |                      |                       |
| individual users     |                      |                       |
| with the systems are |                      |                       |
| recorded.            |                      |                       |
|                      |                      |                       |
| ####                 |                      |                       |
| # PRIVACY ACT NOTICE |                      |                       |
|                      |                      |                       |
| The Privacy Act of   |                      |                       |
| 1974 (5 U.S.C. 552a) |                      |                       |
| requires that the    |                      |                       |
| following notice be  |                      |                       |
| provided to you:     |                      |                       |
|                      |                      |                       |
| The authority for    |                      |                       |
| collecting the       |                      |                       |
| requested            |                      |                       |
| information from and |                      |                       |
| about you is §451    |                      |                       |
| [et                  |                      |                       |
| seq.]{.underline} of |                      |                       |
| the Higher Education |                      |                       |
| Act (HEA) of 1965,   |                      |                       |
| as amended (20       |                      |                       |
| U.S.C. 1087a [et     |                      |                       |
| seq.]{.underline})   |                      |                       |
| and the authority    |                      |                       |
| for collecting and   |                      |                       |
| using your Social    |                      |                       |
| Security Number      |                      |                       |
| (SSN) is §428B(f) of |                      |                       |
| the HEA (20 U.S.C.   |                      |                       |
| 1078-2(f)).          |                      |                       |
| Participating in the |                      |                       |
| William D. Ford      |                      |                       |
| Federal Direct Loan  |                      |                       |
| (Direct Loan)        |                      |                       |
| Program and giving   |                      |                       |
| us your SSN are      |                      |                       |
| voluntary, but you   |                      |                       |
| must provide the     |                      |                       |
| requested            |                      |                       |
| information,         |                      |                       |
| including your SSN,  |                      |                       |
| to participate.      |                      |                       |
|                      |                      |                       |
| The principal        |                      |                       |
| purposes for         |                      |                       |
| collecting the       |                      |                       |
| information on this  |                      |                       |
| form, including your |                      |                       |
| SSN, are to verify   |                      |                       |
| your identity, to    |                      |                       |
| determine your       |                      |                       |
| eligibility to       |                      |                       |
| receive a loan or a  |                      |                       |
| benefit on a loan    |                      |                       |
| (such as a           |                      |                       |
| deferment,           |                      |                       |
| forbearance,         |                      |                       |
| discharge, or        |                      |                       |
| forgiveness) under   |                      |                       |
| the Direct Loan      |                      |                       |
| Program, to permit   |                      |                       |
| the servicing of     |                      |                       |
| your loan(s), and,   |                      |                       |
| if it becomes        |                      |                       |
| necessary, to locate |                      |                       |
| you and to collect   |                      |                       |
| on your loan(s) if   |                      |                       |
| your loan(s) become  |                      |                       |
| delinquent or in     |                      |                       |
| default. We also use |                      |                       |
| your SSN as an       |                      |                       |
| account identifier   |                      |                       |
| and to permit you to |                      |                       |
| access your account  |                      |                       |
| information          |                      |                       |
| electronically.      |                      |                       |
|                      |                      |                       |
| The information in   |                      |                       |
| your file may be     |                      |                       |
| disclosed to third   |                      |                       |
| parties as           |                      |                       |
| authorized under     |                      |                       |
| routine uses in the  |                      |                       |
| appropriate systems  |                      |                       |
| of records. The      |                      |                       |
| routine uses of this |                      |                       |
| information include  |                      |                       |
| its disclosure to    |                      |                       |
| federal, state, or   |                      |                       |
| local agencies, to   |                      |                       |
| other federal        |                      |                       |
| agencies under       |                      |                       |
| computer matching    |                      |                       |
| programs, to         |                      |                       |
| agencies that we     |                      |                       |
| authorize to assist  |                      |                       |
| us in administering  |                      |                       |
| our loan programs,   |                      |                       |
| to private parties   |                      |                       |
| such as relatives,   |                      |                       |
| present and former   |                      |                       |
| employers, business  |                      |                       |
| and personal         |                      |                       |
| associates, to       |                      |                       |
| credit bureau        |                      |                       |
| organizations, to    |                      |                       |
| financial and        |                      |                       |
| educational          |                      |                       |
| institutions, to     |                      |                       |
| guaranty agencies,   |                      |                       |
| and to contractors   |                      |                       |
| in order to verify   |                      |                       |
| your identity, to    |                      |                       |
| determine your       |                      |                       |
| eligibility to       |                      |                       |
| receive a loan or a  |                      |                       |
| benefit on a loan,   |                      |                       |
| to permit the        |                      |                       |
| servicing or         |                      |                       |
| collection of your   |                      |                       |
| loan(s), to counsel  |                      |                       |
| you in repayment     |                      |                       |
| efforts, to enforce  |                      |                       |
| the terms of the     |                      |                       |
| loan(s), to          |                      |                       |
| investigate possible |                      |                       |
| fraud and to verify  |                      |                       |
| compliance with      |                      |                       |
| federal student      |                      |                       |
| financial aid        |                      |                       |
| program regulations, |                      |                       |
| or to locate you if  |                      |                       |
| you become           |                      |                       |
| delinquent in your   |                      |                       |
| loan payments or if  |                      |                       |
| you default, to      |                      |                       |
| provide default rate |                      |                       |
| calculations, to     |                      |                       |
| provide financial    |                      |                       |
| aid history          |                      |                       |
| information, to      |                      |                       |
| assist program       |                      |                       |
| administrators with  |                      |                       |
| tracking refunds and |                      |                       |
| cancellations, or to |                      |                       |
| provide a            |                      |                       |
| standardized method  |                      |                       |
| for educational      |                      |                       |
| institutions         |                      |                       |
| efficiently to       |                      |                       |
| submit student       |                      |                       |
| enrollment status.   |                      |                       |
|                      |                      |                       |
| In the event of      |                      |                       |
| litigation, we may   |                      |                       |
| send records to the  |                      |                       |
| Department of        |                      |                       |
| Justice, a court,    |                      |                       |
| adjudicative body,   |                      |                       |
| counsel, party, or   |                      |                       |
| witness if the       |                      |                       |
| disclosure is        |                      |                       |
| relevant and         |                      |                       |
| necessary to the     |                      |                       |
| litigation. If this  |                      |                       |
| information, either  |                      |                       |
| alone or with other  |                      |                       |
| information,         |                      |                       |
| indicates a          |                      |                       |
| potential violation  |                      |                       |
| of law, we may send  |                      |                       |
| it to the            |                      |                       |
| appropriate          |                      |                       |
| authority for        |                      |                       |
| action. We may send  |                      |                       |
| information to       |                      |                       |
| members of Congress  |                      |                       |
| if you ask them to   |                      |                       |
| help you with        |                      |                       |
| federal student aid  |                      |                       |
| questions. In        |                      |                       |
| circumstances        |                      |                       |
| involving employment |                      |                       |
| complaints,          |                      |                       |
| grievances, or       |                      |                       |
| disciplinary         |                      |                       |
| actions, we may      |                      |                       |
| disclose relevant    |                      |                       |
| records to           |                      |                       |
| adjudicate or        |                      |                       |
| investigate the      |                      |                       |
| issues. If provided  |                      |                       |
| for by a collective  |                      |                       |
| bargaining           |                      |                       |
| agreement, we may    |                      |                       |
| disclose records to  |                      |                       |
| a labor organization |                      |                       |
| recognized under 5   |                      |                       |
| U.S.C. Chapter 71.   |                      |                       |
| Disclosures may also |                      |                       |
| be made to qualified |                      |                       |
| researchers under    |                      |                       |
| Privacy Act          |                      |                       |
| safeguards.          |                      |                       |
|                      |                      |                       |
| ##### FINANCIA       |                      |                       |
| L PRIVACY ACT NOTICE |                      |                       |
|                      |                      |                       |
| Under the Right to   |                      |                       |
| Financial Privacy    |                      |                       |
| Act of 1978 (12      |                      |                       |
| U.S.C. 3401-3421),   |                      |                       |
| ED will have access  |                      |                       |
| to financial records |                      |                       |
| in your student loan |                      |                       |
| file maintained in   |                      |                       |
| compliance with the  |                      |                       |
| administration of    |                      |                       |
| the Direct Loan      |                      |                       |
| Program.             |                      |                       |
|                      |                      |                       |
| ### PAPERW           |                      |                       |
| ORK REDUCTION NOTICE |                      |                       |
|                      |                      |                       |
| According to the     |                      |                       |
| Paperwork Reduction  |                      |                       |
| Act of 1995, no      |                      |                       |
| persons are required |                      |                       |
| to respond to a      |                      |                       |
| collection of        |                      |                       |
| information unless   |                      |                       |
| it displays a        |                      |                       |
| currently valid OMB  |                      |                       |
| control number. The  |                      |                       |
| valid OMB control    |                      |                       |
| number for this      |                      |                       |
| information          |                      |                       |
| collection is        |                      |                       |
| 1845-0068. The time  |                      |                       |
| required to complete |                      |                       |
| this information     |                      |                       |
| collection is        |                      |                       |
| estimated to average |                      |                       |
| 0.5 hours (30        |                      |                       |
| minutes) per         |                      |                       |
| response, including  |                      |                       |
| the time to review   |                      |                       |
| instructions, search |                      |                       |
| existing data        |                      |                       |
| sources, gather and  |                      |                       |
| maintain the data    |                      |                       |
| needed, and complete |                      |                       |
| and review the       |                      |                       |
| information. **If    |                      |                       |
| you have any         |                      |                       |
| comments concerning  |                      |                       |
| the accuracy of the  |                      |                       |
| time estimate(s) or  |                      |                       |
| suggestions for      |                      |                       |
| improving the form,  |                      |                       |
| please write to:**   |                      |                       |
| U.S. Department of   |                      |                       |
| Education,           |                      |                       |
| Washington, DC       |                      |                       |
| 20202-4651. **If you |                      |                       |
| have any comments or |                      |                       |
| concerns regarding   |                      |                       |
| the status of *your  |                      |                       |
| individual           |                      |                       |
| submission* of this  |                      |                       |
| form, write directly |                      |                       |
| to:**                |                      |                       |
|                      |                      |                       |
| U.S. Department of   |                      |                       |
| Education            |                      |                       |
|                      |                      |                       |
| Common Origination   |                      |                       |
| and Disbursement     |                      |                       |
| School Relations     |                      |                       |
| Center               |                      |                       |
|                      |                      |                       |
| Attn: Applicant      |                      |                       |
| Services             |                      |                       |
|                      |                      |                       |
| PO Box 9002          |                      |                       |
|                      |                      |                       |
| Niagara Falls, NY    |                      |                       |
| 14302                |                      |                       |
+----------------------+----------------------+-----------------------+