+-----+---------------------+-----+---+---------+---+-----+---------------+
| **F |                     |     | G |         |   |     |               |
| ede |                     |     | u |         |   |     |               |
| ral |                     |     | a |         |   |     |               |
| Fam |                     |     | r |         |   |     |               |
| ily |                     |     | a |         |   |     |               |
| Edu |                     |     | n |         |   |     |               |
| cat |                     |     | t |         |   |     |               |
| ion |                     |     | o |         |   |     |               |
| L   |                     |     | r |         |   |     |               |
| oan |                     |     | , |         |   |     |               |
| P   |                     |     | P |         |   |     |               |
| rog |                     |     | r |         |   |     |               |
| ram |                     |     | o |         |   |     |               |
| (FF |                     |     | g |         |   |     |               |
| ELP |                     |     | r |         |   |     |               |
| )** |                     |     | a |         |   |     |               |
|     |                     |     | m |         |   |     |               |
| #   |                     |     | , |         |   |     |               |
|     |                     |     | o |         |   |     |               |
| #   |                     |     | r |         |   |     |               |
|  Fe |                     |     | L |         |   |     |               |
| der |                     |     | e |         |   |     |               |
| al  |                     |     | n |         |   |     |               |
| Con |                     |     | d |         |   |     |               |
| sol |                     |     | e |         |   |     |               |
| ida |                     |     | r |         |   |     |               |
| tio |                     |     | I |         |   |     |               |
| n L |                     |     | d |         |   |     |               |
| oan |                     |     | e |         |   |     |               |
|     |                     |     | n |         |   |     |               |
| #   |                     |     | t |         |   |     |               |
| # A |                     |     | i |         |   |     |               |
| ppl |                     |     | f |         |   |     |               |
| ica |                     |     | i |         |   |     |               |
| tio |                     |     | c |         |   |     |               |
| n a |                     |     | a |         |   |     |               |
| nd  |                     |     | t |         |   |     |               |
| Pro |                     |     | i |         |   |     |               |
| mis |                     |     | o |         |   |     |               |
| sor |                     |     | n |         |   |     |               |
| y N |                     |     |   |         |   |     |               |
| ote |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| **W |                     |     |   |         |   |     |               |
| ARN |                     |     |   |         |   |     |               |
| ING |                     |     |   |         |   |     |               |
| :** |                     |     |   |         |   |     |               |
| Any |                     |     |   |         |   |     |               |
| per |                     |     |   |         |   |     |               |
| son |                     |     |   |         |   |     |               |
| who |                     |     |   |         |   |     |               |
| kno |                     |     |   |         |   |     |               |
| win |                     |     |   |         |   |     |               |
| gly |                     |     |   |         |   |     |               |
| ma  |                     |     |   |         |   |     |               |
| kes |                     |     |   |         |   |     |               |
| a   |                     |     |   |         |   |     |               |
| fa  |                     |     |   |         |   |     |               |
| lse |                     |     |   |         |   |     |               |
| sta |                     |     |   |         |   |     |               |
| tem |                     |     |   |         |   |     |               |
| ent |                     |     |   |         |   |     |               |
| or  |                     |     |   |         |   |     |               |
| mi  |                     |     |   |         |   |     |               |
| sre |                     |     |   |         |   |     |               |
| pre |                     |     |   |         |   |     |               |
| sen |                     |     |   |         |   |     |               |
| tat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| on  |                     |     |   |         |   |     |               |
| t   |                     |     |   |         |   |     |               |
| his |                     |     |   |         |   |     |               |
| f   |                     |     |   |         |   |     |               |
| orm |                     |     |   |         |   |     |               |
| is  |                     |     |   |         |   |     |               |
| s   |                     |     |   |         |   |     |               |
| ubj |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| to  |                     |     |   |         |   |     |               |
| pen |                     |     |   |         |   |     |               |
| alt |                     |     |   |         |   |     |               |
| ies |                     |     |   |         |   |     |               |
| wh  |                     |     |   |         |   |     |               |
| ich |                     |     |   |         |   |     |               |
| may |                     |     |   |         |   |     |               |
| i   |                     |     |   |         |   |     |               |
| ncl |                     |     |   |         |   |     |               |
| ude |                     |     |   |         |   |     |               |
| fin |                     |     |   |         |   |     |               |
| es, |                     |     |   |         |   |     |               |
| i   |                     |     |   |         |   |     |               |
| mpr |                     |     |   |         |   |     |               |
| iso |                     |     |   |         |   |     |               |
| nme |                     |     |   |         |   |     |               |
| nt, |                     |     |   |         |   |     |               |
| or  |                     |     |   |         |   |     |               |
| bo  |                     |     |   |         |   |     |               |
| th, |                     |     |   |         |   |     |               |
| un  |                     |     |   |         |   |     |               |
| der |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| Uni |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| Sta |                     |     |   |         |   |     |               |
| tes |                     |     |   |         |   |     |               |
| Cr  |                     |     |   |         |   |     |               |
| imi |                     |     |   |         |   |     |               |
| nal |                     |     |   |         |   |     |               |
| C   |                     |     |   |         |   |     |               |
| ode |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| 20  |                     |     |   |         |   |     |               |
| U.S |                     |     |   |         |   |     |               |
| .C. |                     |     |   |         |   |     |               |
| 10  |                     |     |   |         |   |     |               |
| 97. |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| #   |                     |     |   |         |   |     |               |
| ### |                     |     |   |         |   |     |               |
| ### |                     |     |   |         |   |     |               |
| # B |                     |     |   |         |   |     |               |
| efo |                     |     |   |         |   |     |               |
| re  |                     |     |   |         |   |     |               |
| You |                     |     |   |         |   |     |               |
|  Be |                     |     |   |         |   |     |               |
| gin |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| R   |                     |     |   |         |   |     |               |
| ead |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| Ins |                     |     |   |         |   |     |               |
| tru |                     |     |   |         |   |     |               |
| cti |                     |     |   |         |   |     |               |
| ons |                     |     |   |         |   |     |               |
| for |                     |     |   |         |   |     |               |
| C   |                     |     |   |         |   |     |               |
| omp |                     |     |   |         |   |     |               |
| let |                     |     |   |         |   |     |               |
| ing |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| F   |                     |     |   |         |   |     |               |
| ede |                     |     |   |         |   |     |               |
| ral |                     |     |   |         |   |     |               |
| C   |                     |     |   |         |   |     |               |
| ons |                     |     |   |         |   |     |               |
| oli |                     |     |   |         |   |     |               |
| dat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| L   |                     |     |   |         |   |     |               |
| oan |                     |     |   |         |   |     |               |
| Ap  |                     |     |   |         |   |     |               |
| pli |                     |     |   |         |   |     |               |
| cat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| P   |                     |     |   |         |   |     |               |
| rom |                     |     |   |         |   |     |               |
| iss |                     |     |   |         |   |     |               |
| ory |                     |     |   |         |   |     |               |
| No  |                     |     |   |         |   |     |               |
| te. |                     |     |   |         |   |     |               |
| Pr  |                     |     |   |         |   |     |               |
| int |                     |     |   |         |   |     |               |
| us  |                     |     |   |         |   |     |               |
| ing |                     |     |   |         |   |     |               |
| d   |                     |     |   |         |   |     |               |
| ark |                     |     |   |         |   |     |               |
| ink |                     |     |   |         |   |     |               |
| or  |                     |     |   |         |   |     |               |
| ty  |                     |     |   |         |   |     |               |
| pe. |                     |     |   |         |   |     |               |
| T   |                     |     |   |         |   |     |               |
| his |                     |     |   |         |   |     |               |
| f   |                     |     |   |         |   |     |               |
| orm |                     |     |   |         |   |     |               |
| m   |                     |     |   |         |   |     |               |
| ust |                     |     |   |         |   |     |               |
| be  |                     |     |   |         |   |     |               |
| sig |                     |     |   |         |   |     |               |
| ned |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| da  |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| by  |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| a   |                     |     |   |         |   |     |               |
| ppl |                     |     |   |         |   |     |               |
| ica |                     |     |   |         |   |     |               |
| nt( |                     |     |   |         |   |     |               |
| s). |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **S |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| A.  |                     |     |   |         |   |     |               |
| Bo  |                     |     |   |         |   |     |               |
| rro |                     |     |   |         |   |     |               |
| wer |                     |     |   |         |   |     |               |
| I   |                     |     |   |         |   |     |               |
| nfo |                     |     |   |         |   |     |               |
| rma |                     |     |   |         |   |     |               |
| tio |                     |     |   |         |   |     |               |
| n** |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **1 |                     |     |   |         | * |     |               |
| .** |                     |     |   |         | * |     |               |
| L   |                     |     |   |         | 2 |     |               |
| ast |                     |     |   |         | . |     |               |
| N   |                     |     |   |         | * |     |               |
| ame |                     |     |   |         | * |     |               |
| Fi  |                     |     |   |         | S |     |               |
| rst |                     |     |   |         | o |     |               |
| N   |                     |     |   |         | c |     |               |
| ame |                     |     |   |         | i |     |               |
| MI  |                     |     |   |         | a |     |               |
|     |                     |     |   |         | l |     |               |
|     |                     |     |   |         | S |     |               |
|     |                     |     |   |         | e |     |               |
|     |                     |     |   |         | c |     |               |
|     |                     |     |   |         | u |     |               |
|     |                     |     |   |         | r |     |               |
|     |                     |     |   |         | i |     |               |
|     |                     |     |   |         | t |     |               |
|     |                     |     |   |         | y |     |               |
|     |                     |     |   |         | N |     |               |
|     |                     |     |   |         | u |     |               |
|     |                     |     |   |         | m |     |               |
|     |                     |     |   |         | b |     |               |
|     |                     |     |   |         | e |     |               |
|     |                     |     |   |         | r |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| *3A |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| Per |                     |     |   |         |   |     |               |
| man |                     |     |   |         |   |     |               |
| ent |                     |     |   |         |   |     |               |
| Str |                     |     |   |         |   |     |               |
| eet |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| (I  |                     |     |   |         |   |     |               |
| ncl |                     |     |   |         |   |     |               |
| ude |                     |     |   |         |   |     |               |
| N   |                     |     |   |         |   |     |               |
| umb |                     |     |   |         |   |     |               |
| er, |                     |     |   |         |   |     |               |
| S   |                     |     |   |         |   |     |               |
| tre |                     |     |   |         |   |     |               |
| et, |                     |     |   |         |   |     |               |
| Apa |                     |     |   |         |   |     |               |
| rtm |                     |     |   |         |   |     |               |
| ent |                     |     |   |         |   |     |               |
| N   |                     |     |   |         |   |     |               |
| umb |                     |     |   |         |   |     |               |
| er, |                     |     |   |         |   |     |               |
| Ci  |                     |     |   |         |   |     |               |
| ty, |                     |     |   |         |   |     |               |
| Sta |                     |     |   |         |   |     |               |
| te, |                     |     |   |         |   |     |               |
| Zip |                     |     |   |         |   |     |               |
| Co  |                     |     |   |         |   |     |               |
| de) |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| *3B |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| Per |                     |     |   |         |   |     |               |
| man |                     |     |   |         |   |     |               |
| ent |                     |     |   |         |   |     |               |
| M   |                     |     |   |         |   |     |               |
| ail |                     |     |   |         |   |     |               |
| ing |                     |     |   |         |   |     |               |
| Ad  |                     |     |   |         |   |     |               |
| dre |                     |     |   |         |   |     |               |
| ss, |                     |     |   |         |   |     |               |
| if  |                     |     |   |         |   |     |               |
| dif |                     |     |   |         |   |     |               |
| fer |                     |     |   |         |   |     |               |
| ent |                     |     |   |         |   |     |               |
| (I  |                     |     |   |         |   |     |               |
| ncl |                     |     |   |         |   |     |               |
| ude |                     |     |   |         |   |     |               |
| P   |                     |     |   |         |   |     |               |
| .O. |                     |     |   |         |   |     |               |
| B   |                     |     |   |         |   |     |               |
| ox, |                     |     |   |         |   |     |               |
| R   |                     |     |   |         |   |     |               |
| FD, |                     |     |   |         |   |     |               |
| or  |                     |     |   |         |   |     |               |
| G   |                     |     |   |         |   |     |               |
| ene |                     |     |   |         |   |     |               |
| ral |                     |     |   |         |   |     |               |
| Del |                     |     |   |         |   |     |               |
| ive |                     |     |   |         |   |     |               |
| ry, |                     |     |   |         |   |     |               |
| Ci  |                     |     |   |         |   |     |               |
| ty, |                     |     |   |         |   |     |               |
| Sta |                     |     |   |         |   |     |               |
| te, |                     |     |   |         |   |     |               |
| Zip |                     |     |   |         |   |     |               |
| Co  |                     |     |   |         |   |     |               |
| de) |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **4 |                     |     | * |         |   |     |               |
| .** |                     |     | * |         |   |     |               |
| H   |                     |     | 5 |         |   |     |               |
| ome |                     |     | . |         |   |     |               |
| A   |                     |     | * |         |   |     |               |
| rea |                     |     | * |         |   |     |               |
| Co  |                     |     | F |         |   |     |               |
| de/ |                     |     | o |         |   |     |               |
| Tel |                     |     | r |         |   |     |               |
| eph |                     |     | m |         |   |     |               |
| one |                     |     | e |         |   |     |               |
| Num |                     |     | r |         |   |     |               |
| ber |                     |     | N |         |   |     |               |
|     |                     |     | a |         |   |     |               |
| ( ) |                     |     | m |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | ( |         |   |     |               |
|     |                     |     | s |         |   |     |               |
|     |                     |     | ) |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **6 |                     |     | * |         |   |     |               |
| .** |                     |     | * |         |   |     |               |
| D   |                     |     | 7 |         |   |     |               |
| ate |                     |     | . |         |   |     |               |
| of  |                     |     | * |         |   |     |               |
| Bi  |                     |     | * |         |   |     |               |
| rth |                     |     | D |         |   |     |               |
| (   |                     |     | r |         |   |     |               |
| Mon |                     |     | i |         |   |     |               |
| th/ |                     |     | v |         |   |     |               |
| Day |                     |     | e |         |   |     |               |
| /Ye |                     |     | r |         |   |     |               |
| ar) |                     |     | ' |         |   |     |               |
|     |                     |     | s |         |   |     |               |
|     |                     |     | L |         |   |     |               |
|     |                     |     | i |         |   |     |               |
|     |                     |     | c |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | n |         |   |     |               |
|     |                     |     | s |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | S |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | n |         |   |     |               |
|     |                     |     | d |         |   |     |               |
|     |                     |     | N |         |   |     |               |
|     |                     |     | u |         |   |     |               |
|     |                     |     | m |         |   |     |               |
|     |                     |     | b |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | r |         |   |     |               |
|     |                     |     |   |         |   |     |               |
|     |                     |     | S |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | \ |         |   |     |               |
|     |                     |     | # |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **8 |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| Fax |                     |     |   |         |   |     |               |
| Num |                     |     |   |         |   |     |               |
| ber |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| E-m |                     |     |   |         |   |     |               |
| ail |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| (   |                     |     |   |         |   |     |               |
| Opt |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| al) |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| Fax |                     |     |   |         |   |     |               |
| ( ) |                     |     |   |         |   |     |               |
| E-m |                     |     |   |         |   |     |               |
| ail |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **9 |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| Em  |                     |     |   |         |   |     |               |
| plo |                     |     |   |         |   |     |               |
| yer |                     |     |   |         |   |     |               |
| N   |                     |     |   |         |   |     |               |
| ame |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| C   |                     |     |   |         |   |     |               |
| ity |                     |     |   |         |   |     |               |
| St  |                     |     |   |         |   |     |               |
| ate |                     |     |   |         |   |     |               |
| Zip |                     |     |   |         |   |     |               |
| C   |                     |     |   |         |   |     |               |
| ode |                     |     |   |         |   |     |               |
| Em  |                     |     |   |         |   |     |               |
| plo |                     |     |   |         |   |     |               |
| yer |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| rea |                     |     |   |         |   |     |               |
| Co  |                     |     |   |         |   |     |               |
| de/ |                     |     |   |         |   |     |               |
| Tel |                     |     |   |         |   |     |               |
| eph |                     |     |   |         |   |     |               |
| one |                     |     |   |         |   |     |               |
| Num |                     |     |   |         |   |     |               |
| ber |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| ( ) |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         | * |     |               |
| *10 |                     |     |   |         | * |     |               |
| .** |                     |     |   |         | 1 |     |               |
| C   |                     |     |   |         | 1 |     |               |
| ons |                     |     |   |         | . |     |               |
| oli |                     |     |   |         | * |     |               |
| dat |                     |     |   |         | * |     |               |
| ing |                     |     |   |         | L |     |               |
| Len |                     |     |   |         | e |     |               |
| der |                     |     |   |         | n |     |               |
| N   |                     |     |   |         | d |     |               |
| ame |                     |     |   |         | e |     |               |
|     |                     |     |   |         | r |     |               |
|     |                     |     |   |         | C |     |               |
|     |                     |     |   |         | o |     |               |
|     |                     |     |   |         | d |     |               |
|     |                     |     |   |         | e |     |               |
|     |                     |     |   |         | , |     |               |
|     |                     |     |   |         | i |     |               |
|     |                     |     |   |         | f |     |               |
|     |                     |     |   |         | k |     |               |
|     |                     |     |   |         | n |     |               |
|     |                     |     |   |         | o |     |               |
|     |                     |     |   |         | w |     |               |
|     |                     |     |   |         | n |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **S |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| B.  |                     |     |   |         |   |     |               |
| Spo |                     |     |   |         |   |     |               |
| use |                     |     |   |         |   |     |               |
| I   |                     |     |   |         |   |     |               |
| nfo |                     |     |   |         |   |     |               |
| rma |                     |     |   |         |   |     |               |
| tio |                     |     |   |         |   |     |               |
| n** |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| **O |                     |     |   |         |   |     |               |
| nly |                     |     |   |         |   |     |               |
| co  |                     |     |   |         |   |     |               |
| mpl |                     |     |   |         |   |     |               |
| ete |                     |     |   |         |   |     |               |
| t   |                     |     |   |         |   |     |               |
| his |                     |     |   |         |   |     |               |
| s   |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| if  |                     |     |   |         |   |     |               |
| y   |                     |     |   |         |   |     |               |
| our |                     |     |   |         |   |     |               |
| spo |                     |     |   |         |   |     |               |
| use |                     |     |   |         |   |     |               |
| has |                     |     |   |         |   |     |               |
| el  |                     |     |   |         |   |     |               |
| igi |                     |     |   |         |   |     |               |
| ble |                     |     |   |         |   |     |               |
| lo  |                     |     |   |         |   |     |               |
| ans |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| b   |                     |     |   |         |   |     |               |
| oth |                     |     |   |         |   |     |               |
| w   |                     |     |   |         |   |     |               |
| ish |                     |     |   |         |   |     |               |
| to  |                     |     |   |         |   |     |               |
| co  |                     |     |   |         |   |     |               |
| nso |                     |     |   |         |   |     |               |
| lid |                     |     |   |         |   |     |               |
| ate |                     |     |   |         |   |     |               |
| jo  |                     |     |   |         |   |     |               |
| int |                     |     |   |         |   |     |               |
| ly. |                     |     |   |         |   |     |               |
| *** |                     |     |   |         |   |     |               |
| If  |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| co  |                     |     |   |         |   |     |               |
| mpl |                     |     |   |         |   |     |               |
| ete |                     |     |   |         |   |     |               |
| S   |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| B,  |                     |     |   |         |   |     |               |
| a   |                     |     |   |         |   |     |               |
| lso |                     |     |   |         |   |     |               |
| i   |                     |     |   |         |   |     |               |
| ncl |                     |     |   |         |   |     |               |
| ude |                     |     |   |         |   |     |               |
| y   |                     |     |   |         |   |     |               |
| our |                     |     |   |         |   |     |               |
| sp  |                     |     |   |         |   |     |               |
| ous |                     |     |   |         |   |     |               |
| e's |                     |     |   |         |   |     |               |
| l   |                     |     |   |         |   |     |               |
| oan |                     |     |   |         |   |     |               |
| (s) |                     |     |   |         |   |     |               |
| in  |                     |     |   |         |   |     |               |
| Se  |                     |     |   |         |   |     |               |
| cti |                     |     |   |         |   |     |               |
| ons |                     |     |   |         |   |     |               |
| D.1 |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| D   |                     |     |   |         |   |     |               |
| .2. |                     |     |   |         |   |     |               |
| Y   |                     |     |   |         |   |     |               |
| our |                     |     |   |         |   |     |               |
| spo |                     |     |   |         |   |     |               |
| use |                     |     |   |         |   |     |               |
| m   |                     |     |   |         |   |     |               |
| ust |                     |     |   |         |   |     |               |
| a   |                     |     |   |         |   |     |               |
| lso |                     |     |   |         |   |     |               |
| s   |                     |     |   |         |   |     |               |
| ign |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| d   |                     |     |   |         |   |     |               |
| ate |                     |     |   |         |   |     |               |
| I   |                     |     |   |         |   |     |               |
| tem |                     |     |   |         |   |     |               |
| 38  |                     |     |   |         |   |     |               |
| in  |                     |     |   |         |   |     |               |
| S   |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| G.  |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| *12 |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| L   |                     |     |   |         |   |     |               |
| ast |                     |     |   |         |   |     |               |
| N   |                     |     |   |         |   |     |               |
| ame |                     |     |   |         |   |     |               |
| Fi  |                     |     |   |         |   |     |               |
| rst |                     |     |   |         |   |     |               |
| N   |                     |     |   |         |   |     |               |
| ame |                     |     |   |         |   |     |               |
| MI  |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     | * |         |   |     |               |
| *13 |                     |     | * |         |   |     |               |
| .** |                     |     | 1 |         |   |     |               |
| Soc |                     |     | 4 |         |   |     |               |
| ial |                     |     | . |         |   |     |               |
| Se  |                     |     | * |         |   |     |               |
| cur |                     |     | * |         |   |     |               |
| ity |                     |     | D |         |   |     |               |
| Num |                     |     | a |         |   |     |               |
| ber |                     |     | t |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | o |         |   |     |               |
|     |                     |     | f |         |   |     |               |
|     |                     |     | B |         |   |     |               |
|     |                     |     | i |         |   |     |               |
|     |                     |     | r |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | h |         |   |     |               |
|     |                     |     | ( |         |   |     |               |
|     |                     |     | M |         |   |     |               |
|     |                     |     | o |         |   |     |               |
|     |                     |     | n |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | h |         |   |     |               |
|     |                     |     | / |         |   |     |               |
|     |                     |     | D |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | y |         |   |     |               |
|     |                     |     | / |         |   |     |               |
|     |                     |     | Y |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | r |         |   |     |               |
|     |                     |     | ) |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     | * |         |   |     |               |
| *15 |                     |     | * |         |   |     |               |
| .** |                     |     | 1 |         |   |     |               |
| For |                     |     | 6 |         |   |     |               |
| mer |                     |     | . |         |   |     |               |
| N   |                     |     | * |         |   |     |               |
| ame |                     |     | * |         |   |     |               |
| (s) |                     |     | D |         |   |     |               |
|     |                     |     | r |         |   |     |               |
|     |                     |     | i |         |   |     |               |
|     |                     |     | v |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | r |         |   |     |               |
|     |                     |     | ' |         |   |     |               |
|     |                     |     | s |         |   |     |               |
|     |                     |     | L |         |   |     |               |
|     |                     |     | i |         |   |     |               |
|     |                     |     | c |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | n |         |   |     |               |
|     |                     |     | s |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | S |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | n |         |   |     |               |
|     |                     |     | d |         |   |     |               |
|     |                     |     | N |         |   |     |               |
|     |                     |     | u |         |   |     |               |
|     |                     |     | m |         |   |     |               |
|     |                     |     | b |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | r |         |   |     |               |
|     |                     |     |   |         |   |     |               |
|     |                     |     | S |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | a |         |   |     |               |
|     |                     |     | t |         |   |     |               |
|     |                     |     | e |         |   |     |               |
|     |                     |     | \ |         |   |     |               |
|     |                     |     | # |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| *17 |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| Fax |                     |     |   |         |   |     |               |
| Num |                     |     |   |         |   |     |               |
| ber |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| E-m |                     |     |   |         |   |     |               |
| ail |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| (   |                     |     |   |         |   |     |               |
| Opt |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| al) |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| Fax |                     |     |   |         |   |     |               |
| ( ) |                     |     |   |         |   |     |               |
| E-m |                     |     |   |         |   |     |               |
| ail |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| *18 |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| Em  |                     |     |   |         |   |     |               |
| plo |                     |     |   |         |   |     |               |
| yer |                     |     |   |         |   |     |               |
| N   |                     |     |   |         |   |     |               |
| ame |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| C   |                     |     |   |         |   |     |               |
| ity |                     |     |   |         |   |     |               |
| St  |                     |     |   |         |   |     |               |
| ate |                     |     |   |         |   |     |               |
| Zip |                     |     |   |         |   |     |               |
| C   |                     |     |   |         |   |     |               |
| ode |                     |     |   |         |   |     |               |
| Em  |                     |     |   |         |   |     |               |
| plo |                     |     |   |         |   |     |               |
| yer |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| rea |                     |     |   |         |   |     |               |
| Co  |                     |     |   |         |   |     |               |
| de/ |                     |     |   |         |   |     |               |
| Tel |                     |     |   |         |   |     |               |
| eph |                     |     |   |         |   |     |               |
| one |                     |     |   |         |   |     |               |
| Num |                     |     |   |         |   |     |               |
| ber |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| ( ) |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| ##  |                     |     |   |         |   |     |               |
|  Se |                     |     |   |         |   |     |               |
| cti |                     |     |   |         |   |     |               |
| on  |                     |     |   |         |   |     |               |
| C.  |                     |     |   |         |   |     |               |
| Ref |                     |     |   |         |   |     |               |
| ere |                     |     |   |         |   |     |               |
| nce |                     |     |   |         |   |     |               |
|  In |                     |     |   |         |   |     |               |
| for |                     |     |   |         |   |     |               |
| mat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| You |                     |     |   |         |   |     |               |
| m   |                     |     |   |         |   |     |               |
| ust |                     |     |   |         |   |     |               |
| p   |                     |     |   |         |   |     |               |
| rov |                     |     |   |         |   |     |               |
| ide |                     |     |   |         |   |     |               |
| two |                     |     |   |         |   |     |               |
| se  |                     |     |   |         |   |     |               |
| par |                     |     |   |         |   |     |               |
| ate |                     |     |   |         |   |     |               |
| r   |                     |     |   |         |   |     |               |
| efe |                     |     |   |         |   |     |               |
| ren |                     |     |   |         |   |     |               |
| ces |                     |     |   |         |   |     |               |
| w   |                     |     |   |         |   |     |               |
| ith |                     |     |   |         |   |     |               |
| dif |                     |     |   |         |   |     |               |
| fer |                     |     |   |         |   |     |               |
| ent |                     |     |   |         |   |     |               |
| U   |                     |     |   |         |   |     |               |
| .S. |                     |     |   |         |   |     |               |
| a   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| es. |                     |     |   |         |   |     |               |
| Do  |                     |     |   |         |   |     |               |
| not |                     |     |   |         |   |     |               |
| i   |                     |     |   |         |   |     |               |
| ncl |                     |     |   |         |   |     |               |
| ude |                     |     |   |         |   |     |               |
| in  |                     |     |   |         |   |     |               |
| div |                     |     |   |         |   |     |               |
| idu |                     |     |   |         |   |     |               |
| als |                     |     |   |         |   |     |               |
| who |                     |     |   |         |   |     |               |
| l   |                     |     |   |         |   |     |               |
| ive |                     |     |   |         |   |     |               |
| w   |                     |     |   |         |   |     |               |
| ith |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| (e. |                     |     |   |         |   |     |               |
| g., |                     |     |   |         |   |     |               |
| s   |                     |     |   |         |   |     |               |
| pou |                     |     |   |         |   |     |               |
| se) |                     |     |   |         |   |     |               |
| or  |                     |     |   |         |   |     |               |
| l   |                     |     |   |         |   |     |               |
| ive |                     |     |   |         |   |     |               |
| o   |                     |     |   |         |   |     |               |
| uts |                     |     |   |         |   |     |               |
| ide |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| Uni |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| S   |                     |     |   |         |   |     |               |
| tat |                     |     |   |         |   |     |               |
| es. |                     |     |   |         |   |     |               |
| B   |                     |     |   |         |   |     |               |
| oth |                     |     |   |         |   |     |               |
| r   |                     |     |   |         |   |     |               |
| efe |                     |     |   |         |   |     |               |
| ren |                     |     |   |         |   |     |               |
| ces |                     |     |   |         |   |     |               |
| m   |                     |     |   |         |   |     |               |
| ust |                     |     |   |         |   |     |               |
| be  |                     |     |   |         |   |     |               |
| com |                     |     |   |         |   |     |               |
| ple |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| fu  |                     |     |   |         |   |     |               |
| lly |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| sho |                     |     |   |         |   |     |               |
| uld |                     |     |   |         |   |     |               |
| be  |                     |     |   |         |   |     |               |
| rel |                     |     |   |         |   |     |               |
| ati |                     |     |   |         |   |     |               |
| ves |                     |     |   |         |   |     |               |
| or  |                     |     |   |         |   |     |               |
| a   |                     |     |   |         |   |     |               |
| cqu |                     |     |   |         |   |     |               |
| ain |                     |     |   |         |   |     |               |
| tan |                     |     |   |         |   |     |               |
| ces |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| (or |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| y   |                     |     |   |         |   |     |               |
| our |                     |     |   |         |   |     |               |
| s   |                     |     |   |         |   |     |               |
| pou |                     |     |   |         |   |     |               |
| se, |                     |     |   |         |   |     |               |
| if  |                     |     |   |         |   |     |               |
| c   |                     |     |   |         |   |     |               |
| ons |                     |     |   |         |   |     |               |
| oli |                     |     |   |         |   |     |               |
| dat |                     |     |   |         |   |     |               |
| ing |                     |     |   |         |   |     |               |
| jo  |                     |     |   |         |   |     |               |
| int |                     |     |   |         |   |     |               |
| ly) |                     |     |   |         |   |     |               |
| h   |                     |     |   |         |   |     |               |
| ave |                     |     |   |         |   |     |               |
| kn  |                     |     |   |         |   |     |               |
| own |                     |     |   |         |   |     |               |
| for |                     |     |   |         |   |     |               |
| at  |                     |     |   |         |   |     |               |
| le  |                     |     |   |         |   |     |               |
| ast |                     |     |   |         |   |     |               |
| th  |                     |     |   |         |   |     |               |
| ree |                     |     |   |         |   |     |               |
| yea |                     |     |   |         |   |     |               |
| rs. |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| *19 |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| N   |                     |     |   |         |   |     |               |
| ame |                     |     |   |         |   |     |               |
| **A |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| \   |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| **B |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
| \   |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
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| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| Per |                     |     |   |         |   |     |               |
| man |                     |     |   |         |   |     |               |
| ent |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| \   |                     |     |   |         |   |     |               |
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| \   |                     |     |   |         |   |     |               |
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|     |                     |     |   |         |   |     |               |
| Ci  |                     |     |   |         |   |     |               |
| ty, |                     |     |   |         |   |     |               |
| Sta |                     |     |   |         |   |     |               |
| te, |                     |     |   |         |   |     |               |
| Zip |                     |     |   |         |   |     |               |
| C   |                     |     |   |         |   |     |               |
| ode |                     |     |   |         |   |     |               |
| \   |                     |     |   |         |   |     |               |
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| \   |                     |     |   |         |   |     |               |
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|     |                     |     |   |         |   |     |               |
| E-m |                     |     |   |         |   |     |               |
| ail |                     |     |   |         |   |     |               |
| A   |                     |     |   |         |   |     |               |
| ddr |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| (   |                     |     |   |         |   |     |               |
| Opt |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| al) |                     |     |   |         |   |     |               |
| \   |                     |     |   |         |   |     |               |
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| rea |                     |     |   |         |   |     |               |
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| de/ |                     |     |   |         |   |     |               |
| Tel |                     |     |   |         |   |     |               |
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| one |                     |     |   |         |   |     |               |
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| ati |                     |     |   |         |   |     |               |
| ons |                     |     |   |         |   |     |               |
| hip |                     |     |   |         |   |     |               |
| to  |                     |     |   |         |   |     |               |
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|     |                     |     |   |         |   |     |               |
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| ial |                     |     |   |         |   |     |               |
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| ber |                     |     |   |         |   |     |               |
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| _\_ |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| (   |                     |     |   |         |   |     |               |
| Ple |                     |     |   |         |   |     |               |
| ase |                     |     |   |         |   |     |               |
| pri |                     |     |   |         |   |     |               |
| nt. |                     |     |   |         |   |     |               |
| En  |                     |     |   |         |   |     |               |
| ter |                     |     |   |         |   |     |               |
| sp  |                     |     |   |         |   |     |               |
| ous |                     |     |   |         |   |     |               |
| e's |                     |     |   |         |   |     |               |
| in  |                     |     |   |         |   |     |               |
| for |                     |     |   |         |   |     |               |
| mat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| o   |                     |     |   |         |   |     |               |
| nly |                     |     |   |         |   |     |               |
| if  |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| com |                     |     |   |         |   |     |               |
| ple |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| S   |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| B.) |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **S |                     |     |   |         |   |     |               |
| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| D   |                     |     |   |         |   |     |               |
| .1. |                     |     |   |         |   |     |               |
| Edu |                     |     |   |         |   |     |               |
| cat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| L   |                     |     |   |         |   |     |               |
| oan |                     |     |   |         |   |     |               |
| Ind |                     |     |   |         |   |     |               |
| ebt |                     |     |   |         |   |     |               |
| edn |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| --  |                     |     |   |         |   |     |               |
| Lo  |                     |     |   |         |   |     |               |
| ans |                     |     |   |         |   |     |               |
| You |                     |     |   |         |   |     |               |
| W   |                     |     |   |         |   |     |               |
| ant |                     |     |   |         |   |     |               |
| to  |                     |     |   |         |   |     |               |
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| ons |                     |     |   |         |   |     |               |
| oli |                     |     |   |         |   |     |               |
| dat |                     |     |   |         |   |     |               |
| e** |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   |                     |     |   |         |   |     |               |
| **R |                     |     |   |         |   |     |               |
| ead |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| ins |                     |     |   |         |   |     |               |
| tru |                     |     |   |         |   |     |               |
| cti |                     |     |   |         |   |     |               |
| ons |                     |     |   |         |   |     |               |
| bef |                     |     |   |         |   |     |               |
| ore |                     |     |   |         |   |     |               |
| c   |                     |     |   |         |   |     |               |
| omp |                     |     |   |         |   |     |               |
| let |                     |     |   |         |   |     |               |
| ing |                     |     |   |         |   |     |               |
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| se  |                     |     |   |         |   |     |               |
| cti |                     |     |   |         |   |     |               |
| on. |                     |     |   |         |   |     |               |
| *** |                     |     |   |         |   |     |               |
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| ist |                     |     |   |         |   |     |               |
| all |                     |     |   |         |   |     |               |
| edu |                     |     |   |         |   |     |               |
| cat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| lo  |                     |     |   |         |   |     |               |
| ans |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| w   |                     |     |   |         |   |     |               |
| ant |                     |     |   |         |   |     |               |
| to  |                     |     |   |         |   |     |               |
| con |                     |     |   |         |   |     |               |
| sol |                     |     |   |         |   |     |               |
| ida |                     |     |   |         |   |     |               |
| te, |                     |     |   |         |   |     |               |
| inc |                     |     |   |         |   |     |               |
| lud |                     |     |   |         |   |     |               |
| ing |                     |     |   |         |   |     |               |
| lo  |                     |     |   |         |   |     |               |
| ans |                     |     |   |         |   |     |               |
| cur |                     |     |   |         |   |     |               |
| ren |                     |     |   |         |   |     |               |
| tly |                     |     |   |         |   |     |               |
| h   |                     |     |   |         |   |     |               |
| eld |                     |     |   |         |   |     |               |
| by  |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| len |                     |     |   |         |   |     |               |
| der |                     |     |   |         |   |     |               |
| t   |                     |     |   |         |   |     |               |
| hat |                     |     |   |         |   |     |               |
| w   |                     |     |   |         |   |     |               |
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| ons |                     |     |   |         |   |     |               |
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| dat |                     |     |   |         |   |     |               |
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| loa |                     |     |   |         |   |     |               |
| ns. |                     |     |   |         |   |     |               |
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| the |                     |     |   |         |   |     |               |
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| des |                     |     |   |         |   |     |               |
| lis |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
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| you |                     |     |   |         |   |     |               |
| n   |                     |     |   |         |   |     |               |
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| to  |                     |     |   |         |   |     |               |
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| ns, |                     |     |   |         |   |     |               |
| use |                     |     |   |         |   |     |               |
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| ist |                     |     |   |         |   |     |               |
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| eet |                     |     |   |         |   |     |               |
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| clu |                     |     |   |         |   |     |               |
| ded |                     |     |   |         |   |     |               |
| in  |                     |     |   |         |   |     |               |
| t   |                     |     |   |         |   |     |               |
| his |                     |     |   |         |   |     |               |
| pa  |                     |     |   |         |   |     |               |
| cka |                     |     |   |         |   |     |               |
| ge. |                     |     |   |         |   |     |               |
| I   |                     |     |   |         |   |     |               |
| ncl |                     |     |   |         |   |     |               |
| ude |                     |     |   |         |   |     |               |
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| our |                     |     |   |         |   |     |               |
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| ect |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
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| has |                     |     |   |         |   |     |               |
| b   |                     |     |   |         |   |     |               |
| een |                     |     |   |         |   |     |               |
| c   |                     |     |   |         |   |     |               |
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| let |                     |     |   |         |   |     |               |
| ed. |                     |     |   |         |   |     |               |
| **O |                     |     |   |         |   |     |               |
| NLY |                     |     |   |         |   |     |               |
| L   |                     |     |   |         |   |     |               |
| IST |                     |     |   |         |   |     |               |
| LO  |                     |     |   |         |   |     |               |
| ANS |                     |     |   |         |   |     |               |
| T   |                     |     |   |         |   |     |               |
| HAT |                     |     |   |         |   |     |               |
| YOU |                     |     |   |         |   |     |               |
| W   |                     |     |   |         |   |     |               |
| ANT |                     |     |   |         |   |     |               |
| TO  |                     |     |   |         |   |     |               |
| CO  |                     |     |   |         |   |     |               |
| NSO |                     |     |   |         |   |     |               |
| LID |                     |     |   |         |   |     |               |
| ATE |                     |     |   |         |   |     |               |
| IN  |                     |     |   |         |   |     |               |
| T   |                     |     |   |         |   |     |               |
| HIS |                     |     |   |         |   |     |               |
| S   |                     |     |   |         |   |     |               |
| ECT |                     |     |   |         |   |     |               |
| ION |                     |     |   |         |   |     |               |
| .** |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| *   | **21.** Loan Holder | *   |   | **23.** |   | *   | **25.**       |
| *20 | Name and Mailing    | *22 |   | Loan    |   | *24 | Payoff Amount |
| .** | Address             | .** |   | Account |   | .** |               |
| L   |                     | B = |   | Number  |   | In  |               |
| oan |                     | Bo  |   |         |   | ter |               |
|     |                     | rro |   |         |   | est |               |
| C   |                     | wer |   |         |   |     |               |
| ode |                     |     |   |         |   | R   |               |
|     |                     | S = |   |         |   | ate |               |
| (   |                     | Spo |   |         |   |     |               |
| See |                     | use |   |         |   |     |               |
| I   |                     |     |   |         |   |     |               |
| nst |                     | J = |   |         |   |     |               |
| ruc |                     | Jo  |   |         |   |     |               |
| tio |                     | int |   |         |   |     |               |
| ns) |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
|     |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+
| **  |                     |     |   |         |   |     |               |
| 26. |                     |     |   |         |   |     |               |
| Gr  |                     |     |   |         |   |     |               |
| ace |                     |     |   |         |   |     |               |
| Per |                     |     |   |         |   |     |               |
| iod |                     |     |   |         |   |     |               |
| End |                     |     |   |         |   |     |               |
| D   |                     |     |   |         |   |     |               |
| ate |                     |     |   |         |   |     |               |
| -** |                     |     |   |         |   |     |               |
| If  |                     |     |   |         |   |     |               |
| any |                     |     |   |         |   |     |               |
| of  |                     |     |   |         |   |     |               |
| the |                     |     |   |         |   |     |               |
| lo  |                     |     |   |         |   |     |               |
| ans |                     |     |   |         |   |     |               |
| t   |                     |     |   |         |   |     |               |
| hat |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| h   |                     |     |   |         |   |     |               |
| ave |                     |     |   |         |   |     |               |
| se  |                     |     |   |         |   |     |               |
| lec |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| for |                     |     |   |         |   |     |               |
| c   |                     |     |   |         |   |     |               |
| ons |                     |     |   |         |   |     |               |
| oli |                     |     |   |         |   |     |               |
| dat |                     |     |   |         |   |     |               |
| ion |                     |     |   |         |   |     |               |
| are |                     |     |   |         |   |     |               |
| in  |                     |     |   |         |   |     |               |
| a   |                     |     |   |         |   |     |               |
| gr  |                     |     |   |         |   |     |               |
| ace |                     |     |   |         |   |     |               |
| per |                     |     |   |         |   |     |               |
| iod |                     |     |   |         |   |     |               |
| and |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| w   |                     |     |   |         |   |     |               |
| ish |                     |     |   |         |   |     |               |
| to  |                     |     |   |         |   |     |               |
| de  |                     |     |   |         |   |     |               |
| lay |                     |     |   |         |   |     |               |
| p   |                     |     |   |         |   |     |               |
| roc |                     |     |   |         |   |     |               |
| ess |                     |     |   |         |   |     |               |
| ing |                     |     |   |         |   |     |               |
| un  |                     |     |   |         |   |     |               |
| til |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| h   |                     |     |   |         |   |     |               |
| ave |                     |     |   |         |   |     |               |
| com |                     |     |   |         |   |     |               |
| ple |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| y   |                     |     |   |         |   |     |               |
| our |                     |     |   |         |   |     |               |
| gr  |                     |     |   |         |   |     |               |
| ace |                     |     |   |         |   |     |               |
| p   |                     |     |   |         |   |     |               |
| eri |                     |     |   |         |   |     |               |
| od, |                     |     |   |         |   |     |               |
| en  |                     |     |   |         |   |     |               |
| ter |                     |     |   |         |   |     |               |
| y   |                     |     |   |         |   |     |               |
| our |                     |     |   |         |   |     |               |
| ex  |                     |     |   |         |   |     |               |
| pec |                     |     |   |         |   |     |               |
| ted |                     |     |   |         |   |     |               |
| gr  |                     |     |   |         |   |     |               |
| ace |                     |     |   |         |   |     |               |
| per |                     |     |   |         |   |     |               |
| iod |                     |     |   |         |   |     |               |
| end |                     |     |   |         |   |     |               |
| da  |                     |     |   |         |   |     |               |
| te. |                     |     |   |         |   |     |               |
| **  |                     |     |   |         |   |     |               |
| (Mo |                     |     |   |         |   |     |               |
| nth |                     |     |   |         |   |     |               |
| /Ye |                     |     |   |         |   |     |               |
| ar) |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _\_ |                     |     |   |         |   |     |               |
| \_\ |                     |     |   |         |   |     |               |
| _** |                     |     |   |         |   |     |               |
|     |                     |     |   |         |   |     |               |
| If  |                     |     |   |         |   |     |               |
| you |                     |     |   |         |   |     |               |
| do  |                     |     |   |         |   |     |               |
| not |                     |     |   |         |   |     |               |
| w   |                     |     |   |         |   |     |               |
| ish |                     |     |   |         |   |     |               |
| to  |                     |     |   |         |   |     |               |
| de  |                     |     |   |         |   |     |               |
| lay |                     |     |   |         |   |     |               |
| pr  |                     |     |   |         |   |     |               |
| oce |                     |     |   |         |   |     |               |
| ssi |                     |     |   |         |   |     |               |
| ng, |                     |     |   |         |   |     |               |
| le  |                     |     |   |         |   |     |               |
| ave |                     |     |   |         |   |     |               |
| t   |                     |     |   |         |   |     |               |
| his |                     |     |   |         |   |     |               |
| fi  |                     |     |   |         |   |     |               |
| eld |                     |     |   |         |   |     |               |
| bla |                     |     |   |         |   |     |               |
| nk. |                     |     |   |         |   |     |               |
+-----+---------------------+-----+---+---------+---+-----+---------------+

+-----+---------------------+------+-----------+-----+---------------+
| B   |                     |      |           |     |               |
| orr |                     |      |           |     |               |
| owe |                     |      |           |     |               |
| r's |                     |      |           |     |               |
| N   |                     |      |           |     |               |
| ame |                     |      |           |     |               |
| \   |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| Soc |                     |      |           |     |               |
| ial |                     |      |           |     |               |
| Se  |                     |      |           |     |               |
| cur |                     |      |           |     |               |
| ity |                     |      |           |     |               |
| Num |                     |      |           |     |               |
| ber |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
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| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
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| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
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| _\_ |                     |      |           |     |               |
|     |                     |      |           |     |               |
| Sp  |                     |      |           |     |               |
| ous |                     |      |           |     |               |
| e's |                     |      |           |     |               |
| N   |                     |      |           |     |               |
| ame |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| Soc |                     |      |           |     |               |
| ial |                     |      |           |     |               |
| Se  |                     |      |           |     |               |
| cur |                     |      |           |     |               |
| ity |                     |      |           |     |               |
| Num |                     |      |           |     |               |
| ber |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
| \_\ |                     |      |           |     |               |
| _\_ |                     |      |           |     |               |
|     |                     |      |           |     |               |
| (   |                     |      |           |     |               |
| Ple |                     |      |           |     |               |
| ase |                     |      |           |     |               |
| pri |                     |      |           |     |               |
| nt. |                     |      |           |     |               |
| En  |                     |      |           |     |               |
| ter |                     |      |           |     |               |
| sp  |                     |      |           |     |               |
| ous |                     |      |           |     |               |
| e's |                     |      |           |     |               |
| in  |                     |      |           |     |               |
| for |                     |      |           |     |               |
| mat |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| o   |                     |      |           |     |               |
| nly |                     |      |           |     |               |
| if  |                     |      |           |     |               |
| you |                     |      |           |     |               |
| com |                     |      |           |     |               |
| ple |                     |      |           |     |               |
| ted |                     |      |           |     |               |
| S   |                     |      |           |     |               |
| ect |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| B.) |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
| **S |                     |      |           |     |               |
| ect |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| D   |                     |      |           |     |               |
| .2. |                     |      |           |     |               |
| Edu |                     |      |           |     |               |
| cat |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| L   |                     |      |           |     |               |
| oan |                     |      |           |     |               |
| Ind |                     |      |           |     |               |
| ebt |                     |      |           |     |               |
| edn |                     |      |           |     |               |
| ess |                     |      |           |     |               |
| --  |                     |      |           |     |               |
| Lo  |                     |      |           |     |               |
| ans |                     |      |           |     |               |
| You |                     |      |           |     |               |
| Do  |                     |      |           |     |               |
| Not |                     |      |           |     |               |
| W   |                     |      |           |     |               |
| ant |                     |      |           |     |               |
| to  |                     |      |           |     |               |
| C   |                     |      |           |     |               |
| ons |                     |      |           |     |               |
| oli |                     |      |           |     |               |
| dat |                     |      |           |     |               |
| e** |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
| *   |                     |      |           |     |               |
| **R |                     |      |           |     |               |
| ead |                     |      |           |     |               |
| the |                     |      |           |     |               |
| ins |                     |      |           |     |               |
| tru |                     |      |           |     |               |
| cti |                     |      |           |     |               |
| ons |                     |      |           |     |               |
| bef |                     |      |           |     |               |
| ore |                     |      |           |     |               |
| c   |                     |      |           |     |               |
| omp |                     |      |           |     |               |
| let |                     |      |           |     |               |
| ing |                     |      |           |     |               |
| t   |                     |      |           |     |               |
| his |                     |      |           |     |               |
| se  |                     |      |           |     |               |
| cti |                     |      |           |     |               |
| on. |                     |      |           |     |               |
| *** |                     |      |           |     |               |
| L   |                     |      |           |     |               |
| ist |                     |      |           |     |               |
| all |                     |      |           |     |               |
| edu |                     |      |           |     |               |
| cat |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| lo  |                     |      |           |     |               |
| ans |                     |      |           |     |               |
| t   |                     |      |           |     |               |
| hat |                     |      |           |     |               |
| you |                     |      |           |     |               |
| are |                     |      |           |     |               |
| not |                     |      |           |     |               |
| c   |                     |      |           |     |               |
| ons |                     |      |           |     |               |
| oli |                     |      |           |     |               |
| dat |                     |      |           |     |               |
| ing |                     |      |           |     |               |
| but |                     |      |           |     |               |
| w   |                     |      |           |     |               |
| ant |                     |      |           |     |               |
| c   |                     |      |           |     |               |
| ons |                     |      |           |     |               |
| ide |                     |      |           |     |               |
| red |                     |      |           |     |               |
| in  |                     |      |           |     |               |
| ca  |                     |      |           |     |               |
| lcu |                     |      |           |     |               |
| lat |                     |      |           |     |               |
| ing |                     |      |           |     |               |
| y   |                     |      |           |     |               |
| our |                     |      |           |     |               |
| m   |                     |      |           |     |               |
| axi |                     |      |           |     |               |
| mum |                     |      |           |     |               |
| rep |                     |      |           |     |               |
| aym |                     |      |           |     |               |
| ent |                     |      |           |     |               |
| p   |                     |      |           |     |               |
| eri |                     |      |           |     |               |
| od. |                     |      |           |     |               |
| Re  |                     |      |           |     |               |
| mem |                     |      |           |     |               |
| ber |                     |      |           |     |               |
| to  |                     |      |           |     |               |
| i   |                     |      |           |     |               |
| ncl |                     |      |           |     |               |
| ude |                     |      |           |     |               |
| lo  |                     |      |           |     |               |
| ans |                     |      |           |     |               |
| h   |                     |      |           |     |               |
| eld |                     |      |           |     |               |
| by  |                     |      |           |     |               |
| the |                     |      |           |     |               |
| len |                     |      |           |     |               |
| der |                     |      |           |     |               |
| t   |                     |      |           |     |               |
| hat |                     |      |           |     |               |
| w   |                     |      |           |     |               |
| ill |                     |      |           |     |               |
| be  |                     |      |           |     |               |
| mak |                     |      |           |     |               |
| ing |                     |      |           |     |               |
| the |                     |      |           |     |               |
| F   |                     |      |           |     |               |
| ede |                     |      |           |     |               |
| ral |                     |      |           |     |               |
| C   |                     |      |           |     |               |
| ons |                     |      |           |     |               |
| oli |                     |      |           |     |               |
| dat |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| Lo  |                     |      |           |     |               |
| an, |                     |      |           |     |               |
| but |                     |      |           |     |               |
| t   |                     |      |           |     |               |
| hat |                     |      |           |     |               |
| you |                     |      |           |     |               |
| do  |                     |      |           |     |               |
| not |                     |      |           |     |               |
| w   |                     |      |           |     |               |
| ant |                     |      |           |     |               |
| to  |                     |      |           |     |               |
| i   |                     |      |           |     |               |
| ncl |                     |      |           |     |               |
| ude |                     |      |           |     |               |
| in  |                     |      |           |     |               |
| the |                     |      |           |     |               |
| F   |                     |      |           |     |               |
| ede |                     |      |           |     |               |
| ral |                     |      |           |     |               |
| C   |                     |      |           |     |               |
| ons |                     |      |           |     |               |
| oli |                     |      |           |     |               |
| dat |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| Lo  |                     |      |           |     |               |
| an. |                     |      |           |     |               |
| Use |                     |      |           |     |               |
| the |                     |      |           |     |               |
| L   |                     |      |           |     |               |
| oan |                     |      |           |     |               |
| Co  |                     |      |           |     |               |
| des |                     |      |           |     |               |
| lis |                     |      |           |     |               |
| ted |                     |      |           |     |               |
| in  |                     |      |           |     |               |
| the |                     |      |           |     |               |
| i   |                     |      |           |     |               |
| nst |                     |      |           |     |               |
| ruc |                     |      |           |     |               |
| tio |                     |      |           |     |               |
| ns. |                     |      |           |     |               |
| If  |                     |      |           |     |               |
| you |                     |      |           |     |               |
| n   |                     |      |           |     |               |
| eed |                     |      |           |     |               |
| to  |                     |      |           |     |               |
| l   |                     |      |           |     |               |
| ist |                     |      |           |     |               |
| a   |                     |      |           |     |               |
| ddi |                     |      |           |     |               |
| tio |                     |      |           |     |               |
| nal |                     |      |           |     |               |
| loa |                     |      |           |     |               |
| ns, |                     |      |           |     |               |
| use |                     |      |           |     |               |
| the |                     |      |           |     |               |
| A   |                     |      |           |     |               |
| ddi |                     |      |           |     |               |
| tio |                     |      |           |     |               |
| nal |                     |      |           |     |               |
| L   |                     |      |           |     |               |
| oan |                     |      |           |     |               |
| L   |                     |      |           |     |               |
| ist |                     |      |           |     |               |
| ing |                     |      |           |     |               |
| Sh  |                     |      |           |     |               |
| eet |                     |      |           |     |               |
| in  |                     |      |           |     |               |
| clu |                     |      |           |     |               |
| ded |                     |      |           |     |               |
| in  |                     |      |           |     |               |
| t   |                     |      |           |     |               |
| his |                     |      |           |     |               |
| pa  |                     |      |           |     |               |
| cka |                     |      |           |     |               |
| ge. |                     |      |           |     |               |
| I   |                     |      |           |     |               |
| ncl |                     |      |           |     |               |
| ude |                     |      |           |     |               |
| y   |                     |      |           |     |               |
| our |                     |      |           |     |               |
| sp  |                     |      |           |     |               |
| ous |                     |      |           |     |               |
| e's |                     |      |           |     |               |
| lo  |                     |      |           |     |               |
| ans |                     |      |           |     |               |
| o   |                     |      |           |     |               |
| nly |                     |      |           |     |               |
| if  |                     |      |           |     |               |
| S   |                     |      |           |     |               |
| ect |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| B   |                     |      |           |     |               |
| has |                     |      |           |     |               |
| b   |                     |      |           |     |               |
| een |                     |      |           |     |               |
| c   |                     |      |           |     |               |
| omp |                     |      |           |     |               |
| let |                     |      |           |     |               |
| ed. |                     |      |           |     |               |
| **O |                     |      |           |     |               |
| NLY |                     |      |           |     |               |
| L   |                     |      |           |     |               |
| IST |                     |      |           |     |               |
| LO  |                     |      |           |     |               |
| ANS |                     |      |           |     |               |
| T   |                     |      |           |     |               |
| HAT |                     |      |           |     |               |
| YOU |                     |      |           |     |               |
| DO  |                     |      |           |     |               |
| NOT |                     |      |           |     |               |
| W   |                     |      |           |     |               |
| ANT |                     |      |           |     |               |
| TO  |                     |      |           |     |               |
| CO  |                     |      |           |     |               |
| NSO |                     |      |           |     |               |
| LID |                     |      |           |     |               |
| ATE |                     |      |           |     |               |
| IN  |                     |      |           |     |               |
| T   |                     |      |           |     |               |
| HIS |                     |      |           |     |               |
| S   |                     |      |           |     |               |
| ECT |                     |      |           |     |               |
| ION |                     |      |           |     |               |
| .** |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
| *   | **28.** Loan Holder | **2  | **30.**   | *   | **32.**       |
| *27 | Name and Mailing    | 9.** | Loan      | *31 | Current       |
| .** | Address             | B =  | Account   | .** | Balance       |
| L   |                     | Borr | Number    | In  |               |
| oan |                     | ower |           | ter |               |
|     |                     |      |           | est |               |
| C   |                     | S =  |           |     |               |
| ode |                     | Sp   |           | R   |               |
|     |                     | ouse |           | ate |               |
| (   |                     |      |           |     |               |
| See |                     | J =  |           |     |               |
| I   |                     | J    |           |     |               |
| nst |                     | oint |           |     |               |
| ruc |                     |      |           |     |               |
| tio |                     |      |           |     |               |
| ns) |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
| **S |                     |      |           |     |               |
| ect |                     |      |           |     |               |
| ion |                     |      |           |     |               |
| E.  |                     |      |           |     |               |
| Rep |                     |      |           |     |               |
| aym |                     |      |           |     |               |
| ent |                     |      |           |     |               |
| P   |                     |      |           |     |               |
| lan |                     |      |           |     |               |
| Se  |                     |      |           |     |               |
| lec |                     |      |           |     |               |
| tio |                     |      |           |     |               |
| n** |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
|     |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+
| *   |                     |      |           |     |               |
| *33 |                     |      |           |     |               |
| .** |                     |      |           |     |               |
+-----+---------------------+------+-----------+-----+---------------+

+-----------------------+-----------+-----------+----------------------+
| Borrower's Name       |           |           |                      |
| \_\_                  |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| Social Security       |           |           |                      |
| Number                |           |           |                      |
| \_\                   |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
|                       |           |           |                      |
| Spouse's Name         |           |           |                      |
| \_\_\_                |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| Social Security       |           |           |                      |
| Number                |           |           |                      |
| \_\                   |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
|                       |           |           |                      |
| (Please print. Enter  |           |           |                      |
| spouse's information  |           |           |                      |
| only if you completed |           |           |                      |
| Section B.)           |           |           |                      |
+-----------------------+-----------+-----------+----------------------+
| **Section F. Borrower |           |           |                      |
| Certification and     |           |           |                      |
| Authorization**       |           |           |                      |
+-----------------------+-----------+-----------+----------------------+
| (In the case of a     |           |           |                      |
| Federal Consolidation |           |           |                      |
| Loan made to a        |           |           |                      |
| married couple, all   |           |           |                      |
| references to "I,"    |           |           |                      |
| "me," "my," "you,"    |           |           |                      |
| and "your" in the     |           |           |                      |
| Promissory Note;      |           |           |                      |
| Borrower's Rights and |           |           |                      |
| Responsibilities      |           |           |                      |
| Statement; Borrower   |           |           |                      |
| Certification and     |           |           |                      |
| Authorization; as     |           |           |                      |
| well as other         |           |           |                      |
| materials provided in |           |           |                      |
| connection with this  |           |           |                      |
| loan apply equally to |           |           |                      |
| the borrower and the  |           |           |                      |
| borrower's spouse     |           |           |                      |
| unless otherwise      |           |           |                      |
| stated.)              |           |           |                      |
+-----------------------+-----------+-----------+----------------------+
| **34.** I declare     |           | ou        |                      |
| under penalty of      |           | tstanding |                      |
| perjury that the      |           | principal |                      |
| following is true and |           | and       |                      |
| correct:              |           | interest  |                      |
|                       |           | on the    |                      |
| A. The information I  |           | loan at   |                      |
| have provided on this |           | the time  |                      |
| Federal Consolidation |           | the       |                      |
| Loan Application and  |           | holders   |                      |
| Promissory Note is    |           | certify   |                      |
| true, complete, and   |           | the       |                      |
| correct to the best   |           | payoff    |                      |
| of my knowledge and   |           | amounts.  |                      |
| belief and is made in |           |           |                      |
| good faith.           |           | B. I      |                      |
|                       |           | u         |                      |
| B. (i) I do not owe   |           | nderstand |                      |
| an overpayment on a   |           | that I    |                      |
| Federal Pell Grant,   |           | may no    |                      |
| Federal Supplemental  |           | longer be |                      |
| Educational           |           | eligible  |                      |
| Opportunity Grant, or |           | for some  |                      |
| a Leveraging          |           | deferment |                      |
| Educational           |           | types and |                      |
| Assistance            |           | for       |                      |
| Partnership Grant     |           | s         |                      |
| (formerly State       |           | ubsidized |                      |
| Student Incentive     |           | deferment |                      |
| Grant), or if I owe   |           | periods   |                      |
| an overpayment, I     |           | on some   |                      |
| have made             |           | loans     |                      |
| satisfactory          |           | being     |                      |
| arrangements with the |           | cons      |                      |
| holder to repay the   |           | olidated. |                      |
| amount owed. (ii) I   |           | I also    |                      |
| am not now in default |           | u         |                      |
| on any loan that I am |           | nderstand |                      |
| consolidating or, if  |           | that I    |                      |
| I am in default, I    |           | may no    |                      |
| have either (a) made  |           | longer be |                      |
| satisfactory          |           | eligible  |                      |
| arrangements with the |           | for some  |                      |
| holder of the         |           | loan      |                      |
| defaulted loan(s) to  |           | d         |                      |
| repay the amount      |           | ischarges |                      |
| owed, or (b) for      |           | and types |                      |
| Federal Stafford,     |           | of        |                      |
| SLS, PLUS, or         |           | fo        |                      |
| Consolidation loans,  |           | rgiveness |                      |
| I agree to repay the  |           | that were |                      |
| Federal Consolidation |           | available |                      |
| Loan under            |           | on the    |                      |
| income-sensitive      |           | loans     |                      |
| repayment terms.      |           | being     |                      |
|                       |           | cons      |                      |
| C. The loans I am     |           | olidated. |                      |
| requesting to         |           | If I am   |                      |
| consolidate are in    |           | applying  |                      |
| grace or in repayment |           | jointly   |                      |
| status (including     |           | with my   |                      |
| loans in deferment or |           | spouse, I |                      |
| forbearance).         |           | further   |                      |
|                       |           | u         |                      |
| D. I do not have any  |           | nderstand |                      |
| other application     |           | that my   |                      |
| pending for a Federal |           | Federal   |                      |
| Consolidation Loan    |           | Cons      |                      |
| with any other        |           | olidation |                      |
| lender. If all of my  |           | Loan will |                      |
| FFELP loans are with  |           | be fully  |                      |
| one holder who is not |           | d         |                      |
| the consolidating     |           | ischarged |                      |
| lender, I further     |           | only if   |                      |
| certify that I have   |           | both of   |                      |
| sought and been       |           | us        |                      |
| unable to obtain a    |           | qualify   |                      |
| Federal Consolidation |           | for       |                      |
| Loan from the holder  |           | discharge |                      |
| of my loans, or the   |           | and may   |                      |
| holder declined to    |           | be        |                      |
| provide me with an    |           | partially |                      |
| income-sensitive      |           | d         |                      |
| repayment schedule.   |           | ischarged |                      |
|                       |           | if only   |                      |
| E. If I have an       |           | one of us |                      |
| outstanding Federal   |           | qualifies |                      |
| Consolidation Loan, I |           | for       |                      |
| am eligible for       |           | d         |                      |
| another Federal       |           | ischarge. |                      |
| Consolidation Loan    |           | I also    |                      |
| because: (i) I have   |           | u         |                      |
| subsequently borrowed |           | nderstand |                      |
| another eligible      |           | that I    |                      |
| loan(s), or (ii) I am |           | may       |                      |
| consolidating a       |           | postpone  |                      |
| Federal Consolidation |           | repayment |                      |
| Loan with at least    |           | of the    |                      |
| one other eligible    |           | loan only |                      |
| loan.                 |           | if I      |                      |
|                       |           | provide   |                      |
| F. All of the loans   |           | the       |                      |
| selected for          |           | lender    |                      |
| consolidation have    |           | with a    |                      |
| been used to finance  |           | request   |                      |
| my education or my    |           | that      |                      |
| child's education.    |           | confirms  |                      |
|                       |           | deferment |                      |
| G. I am not subject   |           | or        |                      |
| to a judgment secured |           | fo        |                      |
| through litigation or |           | rbearance |                      |
| to an order for wage  |           | el        |                      |
| garnishment, except   |           | igibility |                      |
| as I have disclosed.  |           | for both  |                      |
|                       |           | of us at  |                      |
| H. If I am applying   |           | the same  |                      |
| jointly with my       |           | time.     |                      |
| spouse, we are        |           |           |                      |
| legally married to    |           | C. I      |                      |
| each other.           |           | authorize |                      |
|                       |           | the       |                      |
| **35.** I also make   |           | cons      |                      |
| the following         |           | olidating |                      |
| authorizations and    |           | lender to |                      |
| statements of         |           | contact   |                      |
| understanding:        |           | the       |                      |
|                       |           | holders   |                      |
| A. I understand that  |           | i         |                      |
| the amount of my      |           | dentified |                      |
| Federal Consolidation |           | on my     |                      |
| Loan will be based on |           | ap        |                      |
| the payoff amounts of |           | plication |                      |
| my outstanding        |           | to        |                      |
| eligible loans that I |           | determine |                      |
| selected for          |           | the       |                      |
| consolidation, as     |           | el        |                      |
| provided by the       |           | igibility |                      |
| holders of those      |           | and/or    |                      |
| loans, and may exceed |           | payoff    |                      |
| my estimate of such   |           | amounts   |                      |
| payoff amounts. The   |           | for the   |                      |
| actual payoff amounts |           | loans I   |                      |
| may differ from the   |           | have      |                      |
| estimated payoff      |           | selected  |                      |
| amounts because the   |           | for       |                      |
| holders will include  |           | conso     |                      |
| unpaid principal,     |           | lidation. |                      |
| unpaid accrued        |           | I further |                      |
| interest, and other   |           | authorize |                      |
| costs as permitted by |           | those     |                      |
| federal regulations   |           | holders   |                      |
| in the payoffs        |           | to        |                      |
| reported to the       |           | release   |                      |
| consolidating lender. |           | that      |                      |
| I understand that if  |           | inf       |                      |
| any collection costs  |           | ormation. |                      |
| are owed on the loans |           |           |                      |
| selected for          |           | D. I      |                      |
| consolidation, these  |           | authorize |                      |
| costs may be added to |           | the       |                      |
| the principal balance |           | cons      |                      |
| of the Federal        |           | olidating |                      |
| Consolidation Loan    |           | lender to |                      |
| and, in the case of   |           | send the  |                      |
| Federal Stafford,     |           | proceeds  |                      |
| SLS, PLUS, or         |           | of my     |                      |
| Consolidation loans   |           | Federal   |                      |
| in default and held   |           | Cons      |                      |
| by a guaranty agency, |           | olidation |                      |
| may not exceed 18.5   |           | Loan to   |                      |
| percent of the        |           | each      |                      |
|                       |           | holder of |                      |
|                       |           | the loans |                      |
|                       |           | I have    |                      |
|                       |           | i         |                      |
|                       |           | dentified |                      |
|                       |           | to pay    |                      |
|                       |           | off the   |                      |
|                       |           | debts.    |                      |
|                       |           |           |                      |
|                       |           | E. If the |                      |
|                       |           | amounts   |                      |
|                       |           | my        |                      |
|                       |           | cons      |                      |
|                       |           | olidating |                      |
|                       |           | lender    |                      |
|                       |           | sends to  |                      |
|                       |           | my        |                      |
|                       |           | holders   |                      |
|                       |           | exceed    |                      |
|                       |           | the       |                      |
|                       |           | amounts   |                      |
|                       |           | needed to |                      |
|                       |           | pay off   |                      |
|                       |           | the       |                      |
|                       |           | balances  |                      |
|                       |           | of the    |                      |
|                       |           | selected  |                      |
|                       |           | loans, I  |                      |
|                       |           | u         |                      |
|                       |           | nderstand |                      |
|                       |           | that the  |                      |
|                       |           | holders   |                      |
|                       |           | will      |                      |
|                       |           | refund    |                      |
|                       |           | the       |                      |
|                       |           | excess to |                      |
|                       |           | my        |                      |
|                       |           | cons      |                      |
|                       |           | olidating |                      |
|                       |           | lender to |                      |
|                       |           | be        |                      |
|                       |           | applied   |                      |
|                       |           | against   |                      |
|                       |           | the       |                      |
|                       |           | ou        |                      |
|                       |           | tstanding |                      |
|                       |           | balance   |                      |
|                       |           | of this   |                      |
|                       |           | loan. If  |                      |
|                       |           | the       |                      |
|                       |           | amounts   |                      |
|                       |           | my        |                      |
|                       |           | cons      |                      |
|                       |           | olidating |                      |
|                       |           | lender    |                      |
|                       |           | sends to  |                      |
|                       |           | my        |                      |
|                       |           | holders   |                      |
|                       |           | are less  |                      |
|                       |           | than the  |                      |
|                       |           | amounts   |                      |
|                       |           | needed to |                      |
|                       |           | pay off   |                      |
|                       |           | the       |                      |
|                       |           | balances  |                      |
|                       |           | of the    |                      |
|                       |           | loans     |                      |
|                       |           | selected  |                      |
|                       |           | for       |                      |
|                       |           | conso     |                      |
|                       |           | lidation, |                      |
|                       |           | I will be |                      |
|                       |           | re        |                      |
|                       |           | sponsible |                      |
|                       |           | for       |                      |
|                       |           | notifying |                      |
|                       |           | my        |                      |
|                       |           | cons      |                      |
|                       |           | olidating |                      |
|                       |           | lender    |                      |
|                       |           | about the |                      |
|                       |           | remaining |                      |
|                       |           | amounts.  |                      |
|                       |           | I         |                      |
|                       |           | authorize |                      |
|                       |           | the       |                      |
|                       |           | cons      |                      |
|                       |           | olidating |                      |
|                       |           | lender to |                      |
|                       |           | include   |                      |
|                       |           | the       |                      |
|                       |           | remaining |                      |
|                       |           | amounts   |                      |
|                       |           | in this   |                      |
|                       |           | Federal   |                      |
|                       |           | Cons      |                      |
|                       |           | olidation |                      |
|                       |           | Loan,     |                      |
|                       |           | unless I  |                      |
|                       |           | pay off   |                      |
|                       |           | the       |                      |
|                       |           | remaining |                      |
|                       |           | balances. |                      |
|                       |           |           |                      |
|                       |           | F. I      |                      |
|                       |           | authorize |                      |
|                       |           | the       |                      |
|                       |           | cons      |                      |
|                       |           | olidating |                      |
|                       |           | lender,   |                      |
|                       |           | the       |                      |
|                       |           | g         |                      |
|                       |           | uarantor, |                      |
|                       |           | or their  |                      |
|                       |           | agents to |                      |
|                       |           | in        |                      |
|                       |           | vestigate |                      |
|                       |           | my credit |                      |
|                       |           | record    |                      |
|                       |           | and       |                      |
|                       |           | report    |                      |
|                       |           | in        |                      |
|                       |           | formation |                      |
|                       |           | c         |                      |
|                       |           | oncerning |                      |
|                       |           | my loan   |                      |
|                       |           | status to |                      |
|                       |           | persons   |                      |
|                       |           | and       |                      |
|                       |           | orga      |                      |
|                       |           | nizations |                      |
|                       |           | permitted |                      |
|                       |           | by law to |                      |
|                       |           | receive   |                      |
|                       |           | such      |                      |
|                       |           | inf       |                      |
|                       |           | ormation. |                      |
|                       |           |           |                      |
|                       |           | G. I      |                      |
|                       |           | authorize |                      |
|                       |           | the       |                      |
|                       |           | release   |                      |
|                       |           | of        |                      |
|                       |           | in        |                      |
|                       |           | formation |                      |
|                       |           | pertinent |                      |
|                       |           | to this   |                      |
|                       |           | loan: (i) |                      |
|                       |           | by the    |                      |
|                       |           | s         |                      |
|                       |           | chool(s), |                      |
|                       |           | the       |                      |
|                       |           | lender,   |                      |
|                       |           | and the   |                      |
|                       |           | g         |                      |
|                       |           | uarantor, |                      |
|                       |           | or their  |                      |
|                       |           | agents,   |                      |
|                       |           | to the    |                      |
|                       |           | r         |                      |
|                       |           | eferences |                      |
|                       |           | on this   |                      |
|                       |           | loan and  |                      |
|                       |           | to        |                      |
|                       |           | members   |                      |
|                       |           | of my     |                      |
|                       |           | immediate |                      |
|                       |           | family    |                      |
|                       |           | unless I  |                      |
|                       |           | submit    |                      |
|                       |           | written   |                      |
|                       |           | d         |                      |
|                       |           | irections |                      |
|                       |           | o         |                      |
|                       |           | therwise; |                      |
|                       |           | and (ii)  |                      |
|                       |           | by and    |                      |
|                       |           | among my  |                      |
|                       |           | schools,  |                      |
|                       |           | lenders,  |                      |
|                       |           | gu        |                      |
|                       |           | arantors, |                      |
|                       |           | the       |                      |
|                       |           | D         |                      |
|                       |           | epartment |                      |
|                       |           | of        |                      |
|                       |           | E         |                      |
|                       |           | ducation, |                      |
|                       |           | and their |                      |
|                       |           | agents.   |                      |
|                       |           |           |                      |
|                       |           | H. I      |                      |
|                       |           | authorize |                      |
|                       |           | the       |                      |
|                       |           | D         |                      |
|                       |           | epartment |                      |
|                       |           | of        |                      |
|                       |           | Education |                      |
|                       |           | and its   |                      |
|                       |           | agent(s)  |                      |
|                       |           | to verify |                      |
|                       |           | my Social |                      |
|                       |           | Security  |                      |
|                       |           | Number    |                      |
|                       |           | with the  |                      |
|                       |           | Social    |                      |
|                       |           | Security  |                      |
|                       |           | Admin     |                      |
|                       |           | istration |                      |
|                       |           | (SSA)     |                      |
|                       |           | and, if   |                      |
|                       |           | the       |                      |
|                       |           | number on |                      |
|                       |           | my loan   |                      |
|                       |           | record is |                      |
|                       |           | i         |                      |
|                       |           | ncorrect, |                      |
|                       |           | then I    |                      |
|                       |           | authorize |                      |
|                       |           | SSA to    |                      |
|                       |           | disclose  |                      |
|                       |           | my        |                      |
|                       |           | correct   |                      |
|                       |           | Social    |                      |
|                       |           | Security  |                      |
|                       |           | Number to |                      |
|                       |           | these     |                      |
|                       |           | parties.  |                      |
|                       |           |           |                      |
|                       |           | I. If I   |                      |
|                       |           | have HEAL |                      |
|                       |           | loans     |                      |
|                       |           | serviced  |                      |
|                       |           | by the    |                      |
|                       |           | cons      |                      |
|                       |           | olidating |                      |
|                       |           | lender    |                      |
|                       |           | and such  |                      |
|                       |           | loans are |                      |
|                       |           | not       |                      |
|                       |           | included  |                      |
|                       |           | in this   |                      |
|                       |           | Federal   |                      |
|                       |           | Cons      |                      |
|                       |           | olidation |                      |
|                       |           | Loan, I   |                      |
|                       |           | authorize |                      |
|                       |           | the       |                      |
|                       |           | esta      |                      |
|                       |           | blishment |                      |
|                       |           | of a      |                      |
|                       |           | combined  |                      |
|                       |           | payment   |                      |
|                       |           | plan on   |                      |
|                       |           | my        |                      |
|                       |           | behalf.   |                      |
+-----------------------+-----------+-----------+----------------------+
| **Section G.          |           |           |                      |
| Promissory Note       |           |           |                      |
| *(continued on next   |           |           |                      |
| page) To be completed |           |           |                      |
| and signed by the     |           |           |                      |
| borrower and spouse,  |           |           |                      |
| if applicable.***     |           |           |                      |
+-----------------------+-----------+-----------+----------------------+
| (In this Promissory   |           |           |                      |
| Note, "lender" refers |           |           |                      |
| to, and this          |           |           |                      |
| Promissory Note       |           |           |                      |
| benefits, the         |           |           |                      |
| original              |           |           |                      |
| consolidating lender  |           |           |                      |
| and its successors    |           |           |                      |
| and assigns,          |           |           |                      |
| including any         |           |           |                      |
| subsequent holder of  |           |           |                      |
| this Promissory       |           |           |                      |
| Note.)                |           |           |                      |
|                       |           |           |                      |
| **36. Promise to      |           |           |                      |
| Pay:**                |           |           |                      |
|                       |           |           |                      |
| I promise to pay to   |           |           |                      |
| the order of the      |           |           |                      |
| lender, all sums      |           |           |                      |
| disbursed (hereafter  |           |           |                      |
| "loan") under the     |           |           |                      |
| terms of this         |           |           |                      |
| Promissory Note       |           |           |                      |
| (hereafter "Note") to |           |           |                      |
| pay off my prior loan |           |           |                      |
| obligations,          |           |           |                      |
|                       |           |           |                      |
| plus interest and     |           |           |                      |
| other charges and     |           |           |                      |
| fees that may become  |           |           |                      |
| due as provided in    |           |           |                      |
| this Note. Unless I   |           |           |                      |
| make interest         |           |           |                      |
| payments, interest    |           |           |                      |
| that accrues on my    |           |           |                      |
| loan during           |           |           |                      |
| forbearance periods   |           |           |                      |
| and on the            |           |           |                      |
| unsubsidized portion  |           |           |                      |
| of my loan during     |           |           |                      |
| deferment periods     |           |           |                      |
| will be added, as     |           |           |                      |
| provided under the    |           |           |                      |
| Act, to the principal |           |           |                      |
| balance of the loan.  |           |           |                      |
| If I fail to make any |           |           |                      |
| payments on this Note |           |           |                      |
| when due, I will also |           |           |                      |
| pay reasonable        |           |           |                      |
| collection costs,     |           |           |                      |
| including but not     |           |           |                      |
| limited to attorney's |           |           |                      |
| fees, court costs,    |           |           |                      |
| and other fees.       |           |           |                      |
|                       |           |           |                      |
| If I am applying      |           |           |                      |
| jointly with my       |           |           |                      |
| spouse, I understand  |           |           |                      |
| and agree that I am   |           |           |                      |
| and will continue to  |           |           |                      |
| be held jointly and   |           |           |                      |
| severally liable for  |           |           |                      |
| the entire amount of  |           |           |                      |
| the debt represented  |           |           |                      |
| by the Federal        |           |           |                      |
| Consolidation Loan    |           |           |                      |
| without regard to the |           |           |                      |
| amounts of our        |           |           |                      |
| individual loan       |           |           |                      |
| obligations that are  |           |           |                      |
| consolidated and      |           |           |                      |
| without regard to any |           |           |                      |
| change that may occur |           |           |                      |
| in our marital        |           |           |                      |
| status. I understand  |           |           |                      |
| this means that I may |           |           |                      |
| be required to pay    |           |           |                      |
| the entire amount due |           |           |                      |
| if my spouse is       |           |           |                      |
| unable or refuses to  |           |           |                      |
| pay.                  |           |           |                      |
|                       |           |           |                      |
| I understand that     |           |           |                      |
| this is a Promissory  |           |           |                      |
| Note. I will not sign |           |           |                      |
| this Note before      |           |           |                      |
| reading the entire    |           |           |                      |
| Note even if I am     |           |           |                      |
| otherwise advised. I  |           |           |                      |
| am entitled to an     |           |           |                      |
| exact copy of this    |           |           |                      |
| Note and the          |           |           |                      |
| Borrower's Rights and |           |           |                      |
| Responsibilities      |           |           |                      |
| Statement. My         |           |           |                      |
| signature certifies I |           |           |                      |
| have read,            |           |           |                      |
| understand, and agree |           |           |                      |
| to the terms and      |           |           |                      |
| conditions of this    |           |           |                      |
| Note, including the   |           |           |                      |
| Borrower              |           |           |                      |
|                       |           |           |                      |
| Certification and     |           |           |                      |
| Authorization and the |           |           |                      |
| Borrower's Rights and |           |           |                      |
| Responsibilities      |           |           |                      |
| Statement.            |           |           |                      |
|                       |           |           |                      |
| **I UNDERSTAND THAT   |           |           |                      |
| THIS IS A LOAN THAT I |           |           |                      |
| MUST REPAY.**         |           |           |                      |
|                       |           |           |                      |
| **37.** Borrower's    |           |           |                      |
| Signature             |           |           |                      |
| \_\_\_\_\_\_\_        |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| Today's Date          |           |           |                      |
| (Month/Day/Year)      |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
|                       |           |           |                      |
| **38.** Spouse's      |           |           |                      |
| Signature (If         |           |           |                      |
| consolidating         |           |           |                      |
| jointly)              |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_  |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
| Today's Date          |           |           |                      |
| (Month/Day/Year)      |           |           |                      |
| \_\_\_\_\_\_\_\_\_\_\ |           |           |                      |
| _\_\_\_\_\_\_\_\_\_\_ |           |           |                      |
+-----------------------+-----------+-----------+----------------------+
| **Federal             |           |           |                      |
| Consolidation Loan    |           |           |                      |
| Application and       |           |           |                      |
| Promissory Note**     |           |           |                      |
| *(continued)*         |           |           |                      |
+-----------------------+-----------+-----------+----------------------+
| #                     | att       |           | ##### Upon pay       |
| # Disclosure of Terms | ributable |           | ment in full of this |
|                       | to a HEAL |           |  Note, I agree to ac |
| This Note applies to  | loan (if  |           | cept written notific |
| Federal Consolidation | app       |           | ation of the payoff  |
| Loans made under the  | licable), |           | in place of receivin |
| Federal Family        | the       |           | g the original Note. |
| Education Loan        | interest  |           |                      |
| Program. In this      | rate is a |           | #####                |
| Note, the Higher      | variable  |           |                      |
| Education Act of      | rate and  |           | ##### Acce           |
| 1965, as amended, 20  | is        |           | leration and Default |
| U.S.C. 1070 et seq.,  | adjusted  |           |                      |
| and applicable U.S.   | annually  |           | At the option of the |
| Department of         | on        |           | lender, the entire   |
| Education regulations | July 1.   |           | unpaid balance will  |
| are referred to as    | The       |           | become immediately   |
| the "Act."            | variable  |           | due and payable when |
|                       | rate for  |           | either of the        |
| At or about the time  | each      |           | following events     |
| my Federal            | 12-month  |           | occurs: (i) I make a |
| Consolidation Loan is | period    |           | false representation |
|                       | will be   |           | that results in my   |
| disbursed, a          | equal     |           | receiving a loan for |
| disclosure statement  |           |           | which I am not       |
| and repayment         | to the    |           | eligible, or (ii) I  |
|                       | average   |           | default on the loan. |
| schedule              | of the    |           |                      |
| ("disclosure") will   | bond      |           | The following events |
| be provided to me.    | e         |           | shall constitute a   |
| This disclosure will  | quivalent |           | default on my        |
| identify my Federal   | rates of  |           |                      |
| Consolidation Loan    | the       |           | loan: (i) I fail to  |
| amount and additional | 91-day    |           | pay the entire       |
| terms of the loan. If | Treasury  |           | unpaid balance after |
| I have questions      | Bills     |           | the lender has       |
| about the information | auctioned |           | exercised its option |
| disclosed, I will     | for the   |           | under the preceding  |
| contact the lender.   | quarter   |           | paragraph, (ii) I    |
| If the information in | ending    |           | fail to make         |
| this Note conflicts   | June 30,  |           | installment payments |
| with information in   | plus 3.0  |           | when due and my      |
| the disclosure, the   | percent;  |           | failure persists for |
| specific terms and    | there is  |           | at least 270 days,   |
| information in the    | no        |           | or (iii) I fail to   |
| disclosure apply to   | maximum   |           | comply with other    |
| my loan.              | interest  |           | terms of the loan,   |
|                       | rate on   |           | and the lender or    |
| Important additional  | this      |           | guarantor reasonably |
| terms of this loan    | portion   |           | concludes I no       |
| are disclosed         | of the    |           | longer intend to     |
|                       | loan.     |           | honor my repayment   |
| in the Borrower's     |           |           | obligation. If I     |
| Rights and            | ###       |           | default, the         |
| Responsibilities      | ## 180 Da |           | guarantor may        |
| Statement             | y Add-On  |           | purchase my loan and |
| accompanying this     | Provision |           | capitalize all       |
| Note.                 |           |           | outstanding interest |
|                       | If I do   |           | into a new principal |
| I agree that the      | not       |           | balance. The new     |
| lender may assign my  | co        |           | principal balance    |
| loan to another       | nsolidate |           | and collection fees  |
| holder.               | all of my |           | will become          |
|                       | eligible  |           | immediately due and  |
| ### Interest          | loans at  |           | payable.             |
|                       | this      |           |                      |
| Unless my lender      |           |           | If I default, the    |
| notifies me in        | time, I   |           | default will be      |
| writing of a lower    | u         |           | reported to all      |
| rate(s), the rate(s)  | nderstand |           | national             |
| of interest for my    | that I    |           |                      |
| loan is that          | may later |           | credit bureaus and   |
| specified in the Act. | add to    |           | will significantly   |
| Interest rate         | this      |           | and adversely affect |
| information is        | Federal   |           | my credit history. I |
| presented in the      | Cons      |           | acknowledge that a   |
| Borrower's Rights and | olidation |           | default shall have   |
| Responsibilities      | Loan      |           | additional adverse   |
| Statement             | eligible  |           | consequences to me   |
| accompanying this     | loans     |           | as disclosed in the  |
| Note. The interest    | made      |           | Borrower's Rights    |
| rate is presented in  | before or |           | and Responsibilities |
| a disclosure that is  | after the |           | Statement. Following |
| issued to me.         | date of   |           | default, the loan    |
|                       | this      |           | may be subject to    |
| Interest accrues on   | conso     |           | income-contingent    |
| the unpaid principal  | lidation. |           | repayment (including |
| balance of my Federal | To add an |           | potential collection |
| Consolidation Loan    | a         |           | of amounts in excess |
| from the date of      | dditional |           | of the principal and |
| disbursement by the   | loan(s),  |           | interest) in         |
| lender until the      | I         |           | accordance with the  |
| entire principal      | u         |           | Act.                 |
| balance is paid in    | nderstand |           |                      |
| full. This includes   | I must    |           | ##### Gover          |
| interest accruing     | complete  |           | ning Law and Notices |
| during any period of  | a Request |           |                      |
| deferment or          | to Add    |           | The terms of this    |
| forbearance. I agree  | Loans     |           | Note will be         |
| to pay all interest   | form      |           | interpreted          |
| charges on my loan    | which is  |           | according            |
| except for interest   | available |           |                      |
| payable by the        | from the  |           | to the Higher        |
| federal government    | lender    |           | Education Act of     |
| under the Act.        | and which |           | 1965, as amended     |
|                       | must be   |           |                      |
| I will be responsible | received  |           | (20 U.S.C. 1070 et   |
| for the interest that | by the    |           | seq.), other         |
| begins accruing upon  | lender    |           | applicable federal   |
| disbursement of my    | within    |           |                      |
| loan. If I do not     | 180 days  |           | statutes and         |
| make payments of      | of the    |           | regulations, and the |
| interest before the   | date this |           | guarantor's          |
| beginning of          | Federal   |           | policies. Applicable |
| principal payment, or | Cons      |           | state law, except as |
| during a period of    | olidation |           | preempted by federal |
| authorized deferment  | Loan is   |           |                      |
| or forbearance, I     | d         |           | law, may provide for |
| agree that the lender | isbursed. |           | certain borrower     |
| may capitalize such   | If I add  |           | rights, remedies,    |
| interest to the       | a loan    |           | and defenses in      |
| extent permitted by   | during    |           | addition to those    |
| the Act.              | this      |           | stated in this Note. |
|                       | period,   |           |                      |
| Except for any        | the       |           | If I reside in the   |
| portion of the        | lender    |           | state where the      |
| Federal Consolidation | will      |           | guarantor's          |
| Loan attributable to  | disclose  |           | principal office is  |
| a HEAL Loan, this     | new terms |           | located, the         |
| loan will bear simple | to me.    |           | guarantor may sue to |
| interest at an annual | The new   |           | enforce the loan in  |
| rate that is fixed    | terms and |           | the county where the |
| for the term of the   | in        |           | guarantor's office   |
| loan. The maximum     | formation |           | is                   |
| interest rate on this | will      |           |                      |
| loan will be equal to | supersede |           | located. However, if |
| the weighted average  | the terms |           | I object to being    |
| of the interest rates | and       |           | sued there and       |
| (as certified by the  | in        |           |                      |
| holder) on the loans  | formation |           | I mail a written     |
| being consolidated,   | in any    |           | objection to the     |
| rounded up to the     | prior     |           | guarantor that is    |
| nearest higher        | di        |           | postmarked no later  |
| one-eighth of one     | sclosure. |           | than 30 days after I |
| percent not to exceed | After the |           | am served with the   |
| 8.25 percent.         | 180-day   |           | lawsuit, the         |
|                       | period,   |           | guarantor will       |
| If I choose to        | no loan   |           | either have the      |
| consolidate a fixed   | can be    |           | court transfer the   |
| rate Federal ALAS/SLS | added to  |           | lawsuit to the       |
| Loan(s) or Federal    | this      |           | county where I live  |
| PLUS Loan(s), I       | Federal   |           | or will dismiss the  |
| request that the      | Cons      |           | lawsuit.             |
| existing interest     | olidation |           |                      |
| rate of each loan be  | Loan.     |           | Any notice required  |
| converted before      |           |           | to be given to me    |
| consolidation to the  | ###       |           | will be effective if |
| refinancing rate      | ## Late C |           | sent by first class  |
| provided for in the   | harges an |           | mail to the latest   |
| Act, if that rate is  | d Collect |           | address the lender   |
| lower than the        | ion Costs |           | has for me or by     |
| existing rate. If my  |           |           | electronic means to  |
| lender grants this    | The       |           | an address that I    |
| request, I understand | lender    |           | have provided. I     |
| there will be no      | may       |           | will immediately     |
| separate document     | collect   |           | notify the lender of |
| evidencing this       | from me:  |           | any change of        |
| refinancing.          | (i) a     |           | address or status as |
|                       | late      |           | specified in the     |
| For the portion of    | charge    |           | Borrower's Rights    |
| the Federal           | for       |           | and Responsibilities |
| Consolidation Loan    |           |           | Statement. Failure   |
|                       | each late |           | by the lender to     |
|                       | in        |           | enforce or insist on |
|                       | stallment |           | compliance with any  |
|                       | payment   |           | term of this Note    |
|                       | if I fail |           | shall not waive any  |
|                       | to make   |           | right of the lender. |
|                       | any part  |           | No provision of this |
|                       |           |           | Note may be modified |
|                       | of a      |           | or waived except in  |
|                       | required  |           | writing by the       |
|                       | in        |           | lender of the Note.  |
|                       | stallment |           | If any provision of  |
|                       | payment   |           | this Note is         |
|                       | within 15 |           | determined to be     |
|                       | days      |           | unenforce-           |
|                       | after it  |           |                      |
|                       | becomes   |           | able, the remaining  |
|                       | due, and  |           | provisions shall     |
|                       | (ii) any  |           | remain in force.     |
|                       | other     |           |                      |
|                       | charges   |           |                      |
|                       | and fees  |           |                      |
|                       | that      |           |                      |
|                       |           |           |                      |
|                       | are       |           |                      |
|                       | permitted |           |                      |
|                       | by the    |           |                      |
|                       | Act for   |           |                      |
|                       | the       |           |                      |
|                       | c         |           |                      |
|                       | ollection |           |                      |
|                       | of my     |           |                      |
|                       | loans.    |           |                      |
|                       |           |           |                      |
|                       | If I      |           |                      |
|                       | default   |           |                      |
|                       | on the    |           |                      |
|                       | loan, I   |           |                      |
|                       | will pay  |           |                      |
|                       | r         |           |                      |
|                       | easonable |           |                      |
|                       | c         |           |                      |
|                       | ollection |           |                      |
|                       | fees and  |           |                      |
|                       | costs,    |           |                      |
|                       | plus      |           |                      |
|                       | court     |           |                      |
|                       | costs and |           |                      |
|                       | a         |           |                      |
|                       | ttorney's |           |                      |
|                       | fees.     |           |                      |
|                       |           |           |                      |
|                       | #####     |           |                      |
|                       | Repayment |           |                      |
|                       |           |           |                      |
|                       | I am      |           |                      |
|                       | obligated |           |                      |
|                       | to repay  |           |                      |
|                       | the full  |           |                      |
|                       | amount of |           |                      |
|                       | the loan  |           |                      |
|                       | made      |           |                      |
|                       | under     |           |                      |
|                       | this Note |           |                      |
|                       | and the   |           |                      |
|                       | interest  |           |                      |
|                       | that      |           |                      |
|                       | accrues   |           |                      |
|                       | on that   |           |                      |
|                       | amount.   |           |                      |
|                       | Repayment |           |                      |
|                       | begins    |           |                      |
|                       | upon      |           |                      |
|                       | dis       |           |                      |
|                       | bursement |           |                      |
|                       | of the    |           |                      |
|                       | loan, and |           |                      |
|                       | my first  |           |                      |
|                       | payment   |           |                      |
|                       | will be   |           |                      |
|                       | due       |           |                      |
|                       | within 60 |           |                      |
|                       | days      |           |                      |
|                       | after the |           |                      |
|                       | disb      |           |                      |
|                       | ursement. |           |                      |
|                       |           |           |                      |
|                       | Payments  |           |                      |
|                       | will be   |           |                      |
|                       | scheduled |           |                      |
|                       | in        |           |                      |
|                       | monthly   |           |                      |
|                       | ins       |           |                      |
|                       | tallments |           |                      |
|                       | according |           |                      |
|                       | to the    |           |                      |
|                       | d         |           |                      |
|                       | isclosure |           |                      |
|                       | my lender |           |                      |
|                       | will      |           |                      |
|                       | provide   |           |                      |
|                       | to me.    |           |                      |
|                       |           |           |                      |
|                       | The       |           |                      |
|                       | d         |           |                      |
|                       | isclosure |           |                      |
|                       | will      |           |                      |
|                       | state my  |           |                      |
|                       | payment   |           |                      |
|                       | amounts   |           |                      |
|                       | and due   |           |                      |
|                       | dates.    |           |                      |
|                       | The       |           |                      |
|                       | maximum   |           |                      |
|                       | scheduled |           |                      |
|                       | repayment |           |                      |
|                       | period    |           |                      |
|                       | may be up |           |                      |
|                       | to 30     |           |                      |
|                       | years in  |           |                      |
|                       | length,   |           |                      |
|                       | depending |           |                      |
|                       | upon the  |           |                      |
|                       | amount of |           |                      |
|                       | my        |           |                      |
|                       | student   |           |                      |
|                       | loan      |           |                      |
|                       | ind       |           |                      |
|                       | ebtedness |           |                      |
|                       | and my    |           |                      |
|                       | repayment |           |                      |
|                       |           |           |                      |
|                       | plan. The |           |                      |
|                       | minimum   |           |                      |
|                       | payment   |           |                      |
|                       | on my     |           |                      |
|                       | loan must |           |                      |
|                       | equal at  |           |                      |
|                       | least the |           |                      |
|                       | amount of |           |                      |
|                       | interest  |           |                      |
|                       | that      |           |                      |
|                       | accrues   |           |                      |
|                       | between   |           |                      |
|                       | scheduled |           |                      |
|                       | payments. |           |                      |
|                       |           |           |                      |
|                       | Payments  |           |                      |
|                       | submitted |           |                      |
|                       | by me or  |           |                      |
|                       | on my     |           |                      |
|                       | behalf    |           |                      |
|                       | (         |           |                      |
|                       | exclusive |           |                      |
|                       | of        |           |                      |
|                       | refunds)  |           |                      |
|                       | may be    |           |                      |
|                       | applied   |           |                      |
|                       | first to  |           |                      |
|                       | late      |           |                      |
|                       | charges   |           |                      |
|                       | and       |           |                      |
|                       | c         |           |                      |
|                       | ollection |           |                      |
|                       | costs     |           |                      |
|                       | that are  |           |                      |
|                       | due, then |           |                      |
|                       | to        |           |                      |
|                       | accrued   |           |                      |
|                       | interest  |           |                      |
|                       | that has  |           |                      |
|                       | not been  |           |                      |
|                       | cap       |           |                      |
|                       | italized, |           |                      |
|                       | and       |           |                      |
|                       | finally   |           |                      |
|                       | to the    |           |                      |
|                       | principal |           |                      |
|                       | amount.   |           |                      |
|                       |           |           |                      |
|                       | If I am   |           |                      |
|                       | unable to |           |                      |
|                       | make my   |           |                      |
|                       | scheduled |           |                      |
|                       | loan      |           |                      |
|                       | payments, |           |                      |
|                       | the       |           |                      |
|                       | lender    |           |                      |
|                       | may allow |           |                      |
|                       | me to     |           |                      |
|                       | reduce my |           |                      |
|                       | payment   |           |                      |
|                       | amount,   |           |                      |
|                       | to extend |           |                      |
|                       | the time  |           |                      |
|                       | for       |           |                      |
|                       | making    |           |                      |
|                       | payments, |           |                      |
|                       | or to     |           |                      |
|                       | te        |           |                      |
|                       | mporarily |           |                      |
|                       | stop      |           |                      |
|                       | making    |           |                      |
|                       | payments  |           |                      |
|                       | as long   |           |                      |
|                       | as I      |           |                      |
|                       | intend to |           |                      |
|                       | repay my  |           |                      |
|                       | loan.     |           |                      |
|                       | Allowing  |           |                      |
|                       | me to     |           |                      |
|                       | te        |           |                      |
|                       | mporarily |           |                      |
|                       | delay or  |           |                      |
|                       | reduce my |           |                      |
|                       | loan      |           |                      |
|                       | payment   |           |                      |
|                       | is called |           |                      |
|                       | for       |           |                      |
|                       | bearance. |           |                      |
|                       | I agree   |           |                      |
|                       | my lender |           |                      |
|                       | may grant |           |                      |
|                       | me a      |           |                      |
|                       | fo        |           |                      |
|                       | rbearance |           |                      |
|                       | for       |           |                      |
|                       | purposes  |           |                      |
|                       | of        |           |                      |
|                       | aligning  |           |                      |
|                       | payment   |           |                      |
|                       | due dates |           |                      |
|                       | on my     |           |                      |
|                       | loans or  |           |                      |
|                       | to        |           |                      |
|                       | eliminate |           |                      |
|                       | any       |           |                      |
|                       | de        |           |                      |
|                       | linquency |           |                      |
|                       | that      |           |                      |
|                       | persists  |           |                      |
|                       | even      |           |                      |
|                       | though I  |           |                      |
|                       | am making |           |                      |
|                       | payments. |           |                      |
|                       |           |           |                      |
|                       | I may     |           |                      |
|                       | prepay    |           |                      |
|                       | all or    |           |                      |
|                       | any part  |           |                      |
|                       | of the    |           |                      |
|                       | unpaid    |           |                      |
|                       | balance   |           |                      |
|                       | on my     |           |                      |
|                       | loan at   |           |                      |
|                       | any time  |           |                      |
|                       | without   |           |                      |
|                       | penalty.  |           |                      |
+-----------------------+-----------+-----------+----------------------+

+----------------------------------+---+---+---------------------------------+---+
| **Federal Family Education Loan  | G |   |                                 |   |
| Program (FFELP)**                | u |   |                                 |   |
|                                  | a |   |                                 |   |
| **Instructions for Completing    | r |   |                                 |   |
| the Federal Consolidation Loan   | a |   |                                 |   |
| Application and Promissory       | n |   |                                 |   |
| Note**                           | t |   |                                 |   |
|                                  | o |   |                                 |   |
|                                  | r |   |                                 |   |
|                                  | , |   |                                 |   |
|                                  | P |   |                                 |   |
|                                  | r |   |                                 |   |
|                                  | o |   |                                 |   |
|                                  | g |   |                                 |   |
|                                  | r |   |                                 |   |
|                                  | a |   |                                 |   |
|                                  | m |   |                                 |   |
|                                  | , |   |                                 |   |
|                                  | o |   |                                 |   |
|                                  | r |   |                                 |   |
|                                  | L |   |                                 |   |
|                                  | e |   |                                 |   |
|                                  | n |   |                                 |   |
|                                  | d |   |                                 |   |
|                                  | e |   |                                 |   |
|                                  | r |   |                                 |   |
|                                  | I |   |                                 |   |
|                                  | d |   |                                 |   |
|                                  | e |   |                                 |   |
|                                  | n |   |                                 |   |
|                                  | t |   |                                 |   |
|                                  | i |   |                                 |   |
|                                  | f |   |                                 |   |
|                                  | i |   |                                 |   |
|                                  | c |   |                                 |   |
|                                  | a |   |                                 |   |
|                                  | t |   |                                 |   |
|                                  | i |   |                                 |   |
|                                  | o |   |                                 |   |
|                                  | n |   |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
| **Before You Begin**             |   | * |                                 |   |
|                                  |   | * |                                 |   |
|                                  |   | S |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | c |                                 |   |
|                                  |   | t |                                 |   |
|                                  |   | i |                                 |   |
|                                  |   | o |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   | C |                                 |   |
|                                  |   | . |                                 |   |
|                                  |   | R |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | f |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | r |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   | c |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | I |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   | f |                                 |   |
|                                  |   | o |                                 |   |
|                                  |   | r |                                 |   |
|                                  |   | m |                                 |   |
|                                  |   | a |                                 |   |
|                                  |   | t |                                 |   |
|                                  |   | i |                                 |   |
|                                  |   | o |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   | * |                                 |   |
|                                  |   | * |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
| Before beginning, gather all of  |   | * |                                 |   |
| your education loan records,     |   | * |                                 |   |
| account statements, and          |   | N |                                 |   |
|                                  |   | o |                                 |   |
| bills so that you have the       |   | t |                                 |   |
| information you need to complete |   | e |                                 |   |
| the Federal Consolidation Loan   |   | : |                                 |   |
| Application and Promissory Note. |   | Y |                                 |   |
|                                  |   | o |                                 |   |
| Complete the form using dark ink |   | u |                                 |   |
| or type. This form must be       |   | m |                                 |   |
| signed and                       |   | u |                                 |   |
|                                  |   | s |                                 |   |
| dated by the applicant(s). If an |   | t |                                 |   |
| item has been completed for you  |   | p |                                 |   |
| and it is incorrect,             |   | r |                                 |   |
|                                  |   | o |                                 |   |
| cross out the incorrect          |   | v |                                 |   |
| information and print the        |   | i |                                 |   |
| correct information. Incorrect   |   | d |                                 |   |
| or incomplete information may    |   | e |                                 |   |
| delay processing of your         |   | t |                                 |   |
| application.                     |   | w |                                 |   |
|                                  |   | o |                                 |   |
| If you have any questions about  |   | s |                                 |   |
| completing this application,     |   | e |                                 |   |
| contact the entity identified    |   | p |                                 |   |
| above.                           |   | a |                                 |   |
|                                  |   | r |                                 |   |
|                                  |   | a |                                 |   |
|                                  |   | t |                                 |   |
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+----------------------------------+---+---+---------------------------------+---+
| #####                            |   |   |                                 |   |
|  Section A. Borrower Information |   |   |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
| **Item 1:** Enter your last      |   | # |                                 |   |
| name, then your first name and   |   | # |                                 |   |
| middle initial.                  |   | # |                                 |   |
|                                  |   | # |                                 |   |
|                                  |   | # |                                 |   |
|                                  |   |   |                                 |   |
|                                  |   | S |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | c |                                 |   |
|                                  |   | t |                                 |   |
|                                  |   | i |                                 |   |
|                                  |   | o |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   |   |                                 |   |
|                                  |   | D |                                 |   |
|                                  |   | . |                                 |   |
|                                  |   |   |                                 |   |
|                                  |   | E |                                 |   |
|                                  |   | d |                                 |   |
|                                  |   | u |                                 |   |
|                                  |   | c |                                 |   |
|                                  |   | a |                                 |   |
|                                  |   | t |                                 |   |
|                                  |   | i |                                 |   |
|                                  |   | o |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   |   |                                 |   |
|                                  |   | L |                                 |   |
|                                  |   | o |                                 |   |
|                                  |   | a |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   |   |                                 |   |
|                                  |   | I |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   | d |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | b |                                 |   |
|                                  |   | t |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | d |                                 |   |
|                                  |   | n |                                 |   |
|                                  |   | e |                                 |   |
|                                  |   | s |                                 |   |
|                                  |   | s |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
| **Item 2:** Enter your           |   | # |                                 |   |
| nine-digit Social Security       |   | # |                                 |   |
| Number. If this item has been    |   | # |                                 |   |
| completed                        |   | # |                                 |   |
|                                  |   | # |                                 |   |
| for you, review it for           |   |   |                                 |   |
| correctness.                     |   | E |                                 |   |
|                                  |   | d |                                 |   |
| **Item 3:** Enter your permanent |   | u |                                 |   |
| home address (number, street,    |   | c |                                 |   |
| apartment number, city, state,   |   | a |                                 |   |
| zip code). If your mailing       |   | t |                                 |   |
| address is an RFD, post office   |   | i |                                 |   |
| box, or general delivery, you    |   | o |                                 |   |
| must list both the street        |   | n |                                 |   |
| address and mailing address.     |   |   |                                 |   |
|                                  |   | L |                                 |   |
| **Item 4:** Enter the area code  |   | o |                                 |   |
| and telephone number for the     |   | a |                                 |   |
| address listed in Item 3.        |   | n |                                 |   |
|                                  |   | s |                                 |   |
| If you do not have a telephone,  |   |   |                                 |   |
| enter N/A.                       |   | T |                                 |   |
|                                  |   | h |                                 |   |
| **Item 5:** Enter any former     |   | e |                                 |   |
| names under which one or more of |   | f |                                 |   |
| your loans may have              |   | o |                                 |   |
|                                  |   | l |                                 |   |
| been disbursed. If you do not    |   | l |                                 |   |
| have a former name, enter N/A.   |   | o |                                 |   |
|                                  |   | w |                                 |   |
| **Item 6:** Enter the month,     |   | i |                                 |   |
| day, and four-digit year of your |   | n |                                 |   |
| birth. Use only numbers.         |   | g |                                 |   |
|                                  |   | t |                                 |   |
| Be careful not to enter the      |   | y |                                 |   |
| current year.                    |   | p |                                 |   |
|                                  |   | e |                                 |   |
| **Item 7:** Enter the two-letter |   | s |                                 |   |
| abbreviation for the state that  |   | o |                                 |   |
| issued your driver's license     |   | f |                                 |   |
| followed by the driver's license |   | e |                                 |   |
| number. If you do not have a     |   | d |                                 |   |
| driver's license, enter N/A.     |   | u |                                 |   |
|                                  |   | c |                                 |   |
| **Item 8:** Enter your fax       |   | a |                                 |   |
| number and the e-mail address    |   | t |                                 |   |
| you use most frequently. These   |   | i |                                 |   |
| may be used to communicate with  |   | o |                                 |   |
| you. If you do not have a fax    |   | n |                                 |   |
| number or e-mail address, or do  |   | l |                                 |   |
| not wish to provide this         |   | o |                                 |   |
| information, enter N/A.          |   | a |                                 |   |
|                                  |   | n |                                 |   |
| **Item 9:** *It is important     |   | s |                                 |   |
| that the consolidating lender is |   | ( |                                 |   |
| able to reach you during the     |   | e |                                 |   |
| process of making this loan and  |   | x |                                 |   |
| during repayment*. Enter your    |   | c |                                 |   |
| employer's name, address,        |   | e |                                 |   |
| including city, state, and zip   |   | p |                                 |   |
| code, and telephone number. If   |   | t |                                 |   |
| you are self-employed, enter the |   | t |                                 |   |
| name,                            |   | h |                                 |   |
|                                  |   | o |                                 |   |
| address, and telephone number of |   | s |                                 |   |
| your business. If you are not    |   | e |                                 |   |
| employed, enter N/A.             |   | r |                                 |   |
|                                  |   | e |                                 |   |
| **Item 10:** Enter the name of   |   | p |                                 |   |
| the lender you would like to     |   | r |                                 |   |
| finance your Federal             |   | e |                                 |   |
| Consolidation Loan.              |   | s |                                 |   |
|                                  |   | e |                                 |   |
| **Item 11:** If you know the     |   | n |                                 |   |
| lender code, enter it here.      |   | t |                                 |   |
| Otherwise, leave this field      |   | e |                                 |   |
| blank.                           |   | d |                                 |   |
|                                  |   | b |                                 |   |
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+----------------------------------+---+---+---------------------------------+---+
| ###                              | # |   |                                 |   |
| ## Section B. Spouse Information | # |   |                                 |   |
|                                  | # |   |                                 |   |
|                                  | # |   |                                 |   |
|                                  | # |   |                                 |   |
|                                  |   |   |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
| **Note:** Complete this section  |   |   |                                 |   |
| only if you are married and you  |   |   |                                 |   |
| both wish to consolidate your    |   |   |                                 |   |
| loans jointly. Include your      |   |   |                                 |   |
| spouse's loan(s) in Section D.   |   |   |                                 |   |
| Your spouse must sign and        |   |   |                                 |   |
|                                  |   |   |                                 |   |
| date Item 38 in Section G.       |   |   |                                 |   |
| Remember, if you take out a      |   |   |                                 |   |
| joint Federal Consolidation      |   |   |                                 |   |
| Loan, you are both responsible   |   |   |                                 |   |
| for repaying the total Federal   |   |   |                                 |   |
| Consolidation Loan, even if you  |   |   |                                 |   |
| become separated or divorced.    |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 12:** Enter your spouse's |   |   |                                 |   |
| last name, then your spouse's    |   |   |                                 |   |
| first name and middle initial.   |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 13:** Enter your spouse's |   |   |                                 |   |
| nine-digit Social Security       |   |   |                                 |   |
| Number. If this item has been    |   |   |                                 |   |
| completed for you, review it for |   |   |                                 |   |
| correctness.                     |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 14:** Enter the month,    |   |   |                                 |   |
| day, and four-digit year of your |   |   |                                 |   |
| spouse's birth. Use only         |   |   |                                 |   |
| numbers. Be careful not to enter |   |   |                                 |   |
| the current year.                |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 15:** Enter any former    |   |   |                                 |   |
| names under which one or more of |   |   |                                 |   |
| your spouse's loans              |   |   |                                 |   |
|                                  |   |   |                                 |   |
| may have been disbursed. If your |   |   |                                 |   |
| spouse does not have a former    |   |   |                                 |   |
| name, enter N/A.                 |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 16:** Enter the           |   |   |                                 |   |
| two-letter abbreviation for the  |   |   |                                 |   |
| state that issued your spouse's  |   |   |                                 |   |
|                                  |   |   |                                 |   |
| driver's license followed by the |   |   |                                 |   |
| driver's license number. If your |   |   |                                 |   |
| spouse does not have a driver's  |   |   |                                 |   |
| license, enter N/A.              |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 17:** Enter your spouse's |   |   |                                 |   |
| fax number and the e-mail        |   |   |                                 |   |
| address your spouse uses         |   |   |                                 |   |
|                                  |   |   |                                 |   |
| most frequently. These may be    |   |   |                                 |   |
| used to communicate with your    |   |   |                                 |   |
| spouse. If your spouse does not  |   |   |                                 |   |
| have a fax number or e-mail      |   |   |                                 |   |
| address, or does not wish to     |   |   |                                 |   |
| provide this information, enter  |   |   |                                 |   |
| N/A.                             |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 18:** *It is important    |   |   |                                 |   |
| that the consolidating lender is |   |   |                                 |   |
| able to reach your spouse during |   |   |                                 |   |
| the process of making this loan  |   |   |                                 |   |
| and during repayment.* Enter     |   |   |                                 |   |
| your spouse's employer's name,   |   |   |                                 |   |
| address (including city, state,  |   |   |                                 |   |
| and zip code), and telephone     |   |   |                                 |   |
| number. If your spouse is        |   |   |                                 |   |
| self-employed, enter the name,   |   |   |                                 |   |
| address, and telephone number of |   |   |                                 |   |
| your spouse's business. If your  |   |   |                                 |   |
| spouse is not employed, enter    |   |   |                                 |   |
| N/A.                             |   |   |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
| **Step 1:** Begin by listing     |   |   | **Note:** If all of your FFELP  |   |
| (according to the instructions   |   |   | loans are with one holder and   |   |
| that follow for Items 20-26)     |   |   | you certify that you have been  |   |
| eligible loan(s) that you (or    |   |   | unable to obtain a Federal      |   |
| you and your spouse jointly)     |   |   | Consolidation Loan or a Federal |   |
| wish to consolidate, including   |   |   | Consolidation Loan with         |   |
| any loan(s) currently held by    |   |   | income-sensitive repayment      |   |
| the lender that will be          |   |   | terms from your current holder, |   |
| consolidating your loan(s). You  |   |   | you may apply for a Federal     |   |
| may consolidate a Federal        |   |   | Consolidation Loan from another |   |
| Consolidation Loan only if you   |   |   | FFELP lender. If you have FFELP |   |
| are combining that loan with at  |   |   | loans with more than one        |   |
| least one other eligible loan.   |   |   | holder, you may apply for a     |   |
|                                  |   |   | Federal Consolidation Loan from |   |
| If you are in default on any     |   |   | any FFELP lender.               |   |
| loan that you wish to            |   |   | Alternatively, if you have an   |   |
| consolidate, you must have made  |   |   | outstanding balance on a FFELP  |   |
| satisfactory repayment           |   |   | loan and you are unable to      |   |
| arrangements with the holder to  |   |   | obtain a Federal Consolidation  |   |
| repay the loan before it is      |   |   | Loan or a Federal Consolidation |   |
|                                  |   |   | Loan with income-sensitive      |   |
| eligible for consolidation.      |   |   | repayment terms that are        |   |
| Satisfactory arrangements        |   |   | acceptable to you, you may      |   |
| usually involve making a series  |   |   | apply for a Federal Direct      |   |
| of payments on the defaulted     |   |   | Consolidation Loan from the     |   |
| loan. For Federal Stafford,      |   |   | U.S. Department of Education.   |   |
| Federal SLS, Federal PLUS, or    |   |   |                                 |   |
| Federal Consolidation loans,     |   |   |                                 |   |
| satisfactory repayment           |   |   |                                 |   |
| arrangements involve making a    |   |   |                                 |   |
| series of reasonable and         |   |   |                                 |   |
| affordable payments or agreeing  |   |   |                                 |   |
| to repay the new Federal         |   |   |                                 |   |
| Consolidation Loan under an      |   |   |                                 |   |
| income-sensitive repayment plan. |   |   |                                 |   |
| Contact the holder of your       |   |   |                                 |   |
| defaulted loan for specific      |   |   |                                 |   |
| information.                     |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 20:** Enter the code that |   |   |                                 |   |
| corresponds to the loan type     |   |   |                                 |   |
| from the Education Loans         |   |   |                                 |   |
|                                  |   |   |                                 |   |
| list. If you are not sure about  |   |   |                                 |   |
| the loan type, leave this item   |   |   |                                 |   |
| blank.                           |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 21:** Enter the full name |   |   |                                 |   |
| and mailing address of each      |   |   |                                 |   |
| holder of your education loans   |   |   |                                 |   |
|                                  |   |   |                                 |   |
| or the holder's servicer. (This  |   |   |                                 |   |
| is the address to which you are  |   |   |                                 |   |
| or will be sending your          |   |   |                                 |   |
|                                  |   |   |                                 |   |
| payments.) If the loan is in     |   |   |                                 |   |
| default, enter the full name and |   |   |                                 |   |
| address of the guarantor or      |   |   |                                 |   |
|                                  |   |   |                                 |   |
| the guarantor's servicer. If the |   |   |                                 |   |
| loan is a Perkins Loan, enter    |   |   |                                 |   |
| the full name and address of the |   |   |                                 |   |
| school or the school's servicer. |   |   |                                 |   |
| Do not use initials instead of   |   |   |                                 |   |
| full names.                      |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 22:** Enter "B" for each  |   |   |                                 |   |
| loan that is yours, "S" for each |   |   |                                 |   |
| loan that is your spouse's, and  |   |   |                                 |   |
| "J" for each loan that belongs   |   |   |                                 |   |
| to both you and your spouse.     |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 23:** Enter the account   |   |   |                                 |   |
| number for each loan. This may   |   |   |                                 |   |
| be listed on your monthly        |   |   |                                 |   |
| billing statement or coupon or   |   |   |                                 |   |
| in other information your holder |   |   |                                 |   |
| or holder's servicer provides.   |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 24:** Enter the interest  |   |   |                                 |   |
| rate you are paying on each      |   |   |                                 |   |
| loan.                            |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 25:** Enter the estimated |   |   |                                 |   |
| payoff amount, including any     |   |   |                                 |   |
| unpaid interest, late fees, and  |   |   |                                 |   |
| collection costs.                |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Item 26:** If you are in your  |   |   |                                 |   |
| grace period (specified period   |   |   |                                 |   |
| of time after a student          |   |   |                                 |   |
|                                  |   |   |                                 |   |
| graduates or leaves school       |   |   |                                 |   |
| during which loan payments are   |   |   |                                 |   |
| not required and during which    |   |   |                                 |   |
| interest on loans may be payable |   |   |                                 |   |
| by the federal government) for   |   |   |                                 |   |
| any of the loans selected for    |   |   |                                 |   |
| consolidation and you wish to    |   |   |                                 |   |
| delay processing until you have  |   |   |                                 |   |
| completed your grace period,     |   |   |                                 |   |
| enter the month and year that    |   |   |                                 |   |
| your grace period ends. If you   |   |   |                                 |   |
| request such a delay, processing |   |   |                                 |   |
| of the Federal Consolidation     |   |   |                                 |   |
| Loan will begin approximately    |   |   |                                 |   |
| 60-90 days before the latest     |   |   |                                 |   |
| grace period end date. If you do |   |   |                                 |   |
| not wish to delay processing,    |   |   |                                 |   |
| leave this field blank.          |   |   |                                 |   |
|                                  |   |   |                                 |   |
| **Step 2:** The maximum length   |   |   |                                 |   |
| of your Federal Consolidation    |   |   |                                 |   |
| Loan repayment period is         |   |   |                                 |   |
| determined by your total         |   |   |                                 |   |
| education loan debt, including:  |   |   |                                 |   |
|                                  |   |   |                                 |   |
| Loans you are consolidating,     |   |   |                                 |   |
|                                  |   |   |                                 |   |
| Loans eligible for consolidation |   |   |                                 |   |
| that you are not consolidating,  |   |   |                                 |   |
| and                              |   |   |                                 |   |
|                                  |   |   |                                 |   |
| Loans not eligible for           |   |   |                                 |   |
| consolidation.                   |   |   |                                 |   |
|                                  |   |   |                                 |   |
| In **Items 27--32**, list both   |   |   |                                 |   |
| eligible loans you do not wish   |   |   |                                 |   |
| to consolidate and outstanding   |   |   |                                 |   |
| education loans not eligible for |   |   |                                 |   |
| consolidation that you want used |   |   |                                 |   |
| to determine your maximum        |   |   |                                 |   |
| repayment period. Outstanding    |   |   |                                 |   |
| education loans not eligible for |   |   |                                 |   |
| consolidation must have been     |   |   |                                 |   |
| made exclusively to finance      |   |   |                                 |   |
| postsecondary education by an    |   |   |                                 |   |
| entity such                      |   |   |                                 |   |
|                                  |   |   |                                 |   |
| as a bank, school, or state      |   |   |                                 |   |
| agency under a public or private |   |   |                                 |   |
| loan program. Personal           |   |   |                                 |   |
|                                  |   |   |                                 |   |
| loans from family or friends or  |   |   |                                 |   |
| loans in default may not be      |   |   |                                 |   |
| listed. The amount of the        |   |   |                                 |   |
|                                  |   |   |                                 |   |
| loans that are not included in   |   |   |                                 |   |
| the Federal Consolidation Loan   |   |   |                                 |   |
| but are used to determine your   |   |   |                                 |   |
| repayment period will not exceed |   |   |                                 |   |
| the amount of the loans          |   |   |                                 |   |
| consolidated.                    |   |   |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
|                                  |   |   | ##### Section F. Borrower       |   |
|                                  |   |   | Certification and Authorization |   |
+----------------------------------+---+---+---------------------------------+---+
|                                  |   |   | **Items 34 and 35:** Read these |   |
|                                  |   |   | items carefully. The statements |   |
|                                  |   |   | confirm the accuracy of the     |   |
|                                  |   |   | information that you supply,    |   |
|                                  |   |   | authorize various parties to    |   |
|                                  |   |   | perform certain functions, and  |   |
|                                  |   |   | certify your understanding and  |   |
|                                  |   |   | acceptance of certain terms and |   |
|                                  |   |   | conditions of the loan.         |   |
+----------------------------------+---+---+---------------------------------+---+
|                                  |   |   | #                               |   |
|                                  |   |   | #### Section G. Promissory Note |   |
+----------------------------------+---+---+---------------------------------+---+
|                                  |   |   | **This is a legally binding     |   |
|                                  |   |   | contract.**                     |   |
|                                  |   |   |                                 |   |
|                                  |   |   | **Item 36**: Carefully read the |   |
|                                  |   |   | entire Promissory Note,         |   |
|                                  |   |   | Borrower Certification and      |   |
|                                  |   |   | Authorization, Borrower's       |   |
|                                  |   |   | Rights and Responsibilities     |   |
|                                  |   |   | Statement, and the other        |   |
|                                  |   |   | materials provided in           |   |
|                                  |   |   | connection with this loan.      |   |
|                                  |   |   |                                 |   |
|                                  |   |   | **Item 37**: Sign and date the  |   |
|                                  |   |   | Promissory Note.                |   |
|                                  |   |   |                                 |   |
|                                  |   |   | **Item 38**: If you and your    |   |
|                                  |   |   | spouse are jointly              |   |
|                                  |   |   | consolidating your loans, your  |   |
|                                  |   |   | spouse                          |   |
|                                  |   |   |                                 |   |
|                                  |   |   | must also sign and date the     |   |
|                                  |   |   | Promissory Note. If you and     |   |
|                                  |   |   | your spouse are not jointly     |   |
|                                  |   |   | consolidating your loans, your  |   |
|                                  |   |   | spouse should not sign the      |   |
|                                  |   |   | Promissory Note.                |   |
+----------------------------------+---+---+---------------------------------+---+
| ##### Sect                       |   |   | **Note:** Signature(s) is       |   |
| ion E. Repayment Plan Selection  |   |   | required. If you (or you and    |   |
|                                  |   |   | your spouse, if consolidating   |   |
|                                  |   |   | jointly) fail to sign the       |   |
|                                  |   |   | Promissory Note, your           |   |
|                                  |   |   | application will be delayed.    |   |
+----------------------------------+---+---+---------------------------------+---+
| **Item 33:**                     |   |   | ##### Submitting Your           |   |
|                                  |   |   | Application and Promissory Note |   |
+----------------------------------+---+---+---------------------------------+---+
|                                  |   |   | Review all information on your  |   |
|                                  |   |   | Federal Consolidation Loan      |   |
|                                  |   |   | Application and Promissory      |   |
|                                  |   |   | Note. Return your completed     |   |
|                                  |   |   | application and promissory note |   |
|                                  |   |   | to your consolidating           |   |
|                                  |   |   |                                 |   |
|                                  |   |   | lender for processing. Keep a   |   |
|                                  |   |   | copy for your records. If you   |   |
|                                  |   |   | are applying with your spouse,  |   |
|                                  |   |   | you and your spouse should each |   |
|                                  |   |   | keep a copy for your records.   |   |
|                                  |   |   | **Remember**                    |   |
|                                  |   |   |                                 |   |
|                                  |   |   | **to continue making your       |   |
|                                  |   |   | regularly scheduled education   |   |
|                                  |   |   | loan payments until your        |   |
|                                  |   |   | consolidating lender notifies   |   |
|                                  |   |   | you that the consolidation is   |   |
|                                  |   |   | complete.** If you would like   |   |
|                                  |   |   | to temporarily postpone your    |   |
|                                  |   |   | payments while your Federal     |   |
|                                  |   |   | Consolidation Loan is being     |   |
|                                  |   |   | processed, contact your holder  |   |
|                                  |   |   | regarding forbearance. When     |   |
|                                  |   |   | your loans are consolidated,    |   |
|                                  |   |   | you will receive a repayment    |   |
|                                  |   |   | schedule and disclosure         |   |
|                                  |   |   | statement for your Federal      |   |
|                                  |   |   | Consolidation Loan. It will     |   |
|                                  |   |   | provide information about your  |   |
|                                  |   |   | new loan and instructions on    |   |
|                                  |   |   | where to send your monthly      |   |
|                                  |   |   | payments.                       |   |
|                                  |   |   |                                 |   |
|                                  |   |   | **Mailing Instructions:** Mail  |   |
|                                  |   |   | the original copy of the        |   |
|                                  |   |   | Federal Consolidation Loan      |   |
|                                  |   |   | Application and Promissory Note |   |
|                                  |   |   | and the Additional Loan Listing |   |
|                                  |   |   | Sheet, if applicable, to your   |   |
|                                  |   |   | consolidating lender.           |   |
+----------------------------------+---+---+---------------------------------+---+
| **Borrower's Rights and          |   |   |                                 |   |
| Responsibilities Statement**     |   |   |                                 |   |
+----------------------------------+---+---+---------------------------------+---+
| **Important Notice:** The        |   |   |                                 |   |
| Borrower's Rights and            |   |   |                                 |   |
| Responsibilities Statement       |   |   |                                 |   |
| provides additional information  |   |   |                                 |   |
| about the terms and conditions   |   |   |                                 |   |
| of your Federal Consolidation    |   |   |                                 |   |
| Loan. Please retain this         |   |   |                                 |   |
| Statement for your records. You  |   |   |                                 |   |
| may contact your lender at any   |   |   |                                 |   |
| time for another copy of this    |   |   |                                 |   |
| Statement.                       |   |   |                                 |   |
+----------------------------------+---+---+---------------------------------+---+

+----------------------+-----------------------+-----------------------+
| **9. Deferment** -   | Circumstances that    | of your loan(s), and, |
| Under certain        | require my lender to  | if it becomes         |
| circumstances, I     | grant me forbearance  | necessary, to locate  |
| have a right to      | include:              | you and to collect on |
| defer (postpone)     |                       | your loan(s) if your  |
| repayment. Upon      | Serving in a medical  | loan(s) becomes       |
| request, my lender   | or dental internship  | delinquent or in      |
| will provide me with | or residency          | default. We also use  |
| a deferment          |                       | your SSN as an        |
| application that     | program, if I meet    | account identifier    |
| explains the         | certain criteria.     | and to permit you to  |
| eligibility          |                       | access your account   |
| requirements. If I   | Serving in a national | information           |
| am in default on my  | service position for  | electronically.       |
| Federal              | which I receive a     |                       |
| Consolidation Loan,  |                       | The information in    |
| I am not eligible    | national service      | your file may be      |
| for deferment unless | education award under | disclosed to third    |
| I make payment       | the National and      | parties as authorized |
| arrangements         |                       | under routine uses in |
| satisfactory to my   | Community Service     | the appropriate       |
| lender before the    | Trust Act of 1993. In | systems of records.   |
| payment of a default | some cases,           | The routine uses of   |
| claim on the loan.   |                       | this information      |
|                      | the interest that     | include its           |
| If I consolidate my  | accrues on a          | disclosure to         |
| loans jointly with   | qualified loan during | federal, state, or    |
| my spouse, we both   | the                   | local agencies, to    |
| must simultaneously  |                       | other federal         |
| qualify for the same | service period will   | agencies under        |
| or different         | be paid by the        | computer matching     |
| deferments in order  | Corporation for       | programs, to agencies |
| to postpone          | National              | that we authorize to  |
| repayment on the     |                       | assist us in          |
| loan. The maximum    | and Community         | administering our     |
| periods authorized   | Service.              | loan programs, to     |
| for deferment on     |                       | private parties such  |
| Federal              | Qualifying for        | as relatives, present |
| Consolidation Loans  | partial repayment of  | and former employers, |
| are determined by    | my loans under the    | business and personal |
| the Act. The total   |                       | associates, to credit |
| deferment period     | Student Loan          | bureau organizations, |
| combined for the     | Repayment Program, as | to educational and    |
| borrower and spouse  | administered by       | financial             |
| cannot exceed these  |                       | institutions, to      |
| limits.              | the Department of     | guaranty agencies,    |
|                      | Defense.              | and to contractors in |
| If I consolidate all |                       | order to verify your  |
| of my eligible FFELP | Having a monthly debt | identity, to          |
| loans, deferments    | burden for Title IV   | determine your        |
| are available while  | loans that            | eligibility to        |
| I am:                |                       | receive a loan(s) or  |
|                      | collectively equals   | a benefit on a        |
| Enrolled at least    | or exceeds 20 percent | loan(s), to permit    |
| half time at an      | of my total           | the servicing or      |
| eligible             |                       | collection of your    |
|                      | monthly gross income  | loan(s), to counsel   |
| school,              | (for up to three      | you in repayment      |
|                      | years).               | efforts, to enforce   |
| Engaged in a         |                       | the terms of the      |
| full-time course of  | Being called to       | loan(s), to           |
| study in a           | active duty in the    | investigate possible  |
|                      | U.S. Armed Forces.    | fraud and to verify   |
| graduate fellowship  |                       | compliance with       |
| program,             | If my spouse and I    | federal student       |
|                      | are consolidating     | financial aid program |
| Engaged in a         | jointly, we must      | regulations, to       |
| full-time            | simultaneously        | locate you if you     |
| rehabilitation       | qualify for the same  | become delinquent in  |
| training             | or a different        | your loan payments or |
|                      | forbearance in order  | if you default, to    |
| program for          | to forbear repayment  | provide default rate  |
| individuals with     | of the loan.          | calculations, to      |
| disabilities (if the |                       | provide financial aid |
| program is           | If I choose not to    |                       |
|                      | pay the interest that | history information,  |
| approved by the      | accrues on my loan    | to assist program     |
| Department of        | during any period of  | administrators with   |
| Education),          | authorized            | tracking refunds and  |
|                      | forbearance, the      | cancellations, or to  |
| Conscientiously      | interest may be       | provide a             |
| seeking, but unable  | capitalized to the    | standardized method   |
| to find,             | extent permitted by   | for educational       |
|                      | the Act.              | institutions          |
| full-time employment | Capitalization of     | efficiently to submit |
| (for up to three     | interest will result  | student enrollment    |
| years),              | in the unpaid         | status.               |
|                      | interest being added  |                       |
| Experiencing an      | to the principal      | In the event of       |
| economic hardship    | balance of the loan.  | litigation, we may    |
| (including           |                       | send records to the   |
|                      | **11. Applicability   | Department of         |
| Peace Corps service) | to Aggregate Loan     | Justice, a court,     |
| as defined by        | Limits** - If the     | adjudicative body,    |
| federal law (for up  | loans I have selected | counsel, party, or    |
| to                   | for consolidation     | witness if the        |
|                      | were made under the   | disclosure is         |
| three years).        | Federal or Direct     | relevant and          |
|                      | Stafford (subsidized, | necessary to the      |
| My lender will       | nonsubsidized, or     | litigation. If this   |
| process an in-school | unsubsidized), SLS,   | information, either   |
| deferment based on   | Perkins, or HPSL loan | alone or with other   |
| (i) my request along | programs, a           | information,          |
| with documentation   | percentage of the     | indicates a potential |
| verifying my         | outstanding balance   | violation of law, we  |
| eligibility, (ii) my | on my Federal         | may send it to the    |
| lender's receipt of  | Consolidation Loan    | appropriate authority |
| information from my  | will be counted       | for action. We may    |
| school about my      | towards the aggregate | send                  |
| eligibility in       | loan limit for each   |                       |
| connection with a    | type of loan          | information to        |
| new loan, or (iii)   | selected.             | members of Congress   |
| my lender's receipt  |                       | if you ask them to    |
| of student status    | **12. Adding          | help you with federal |
| information          | Loans** - If I do not | student aid           |
| indicating that I am | consolidate all       | questions. In         |
| enrolled on at least | eligible loans at     | circumstances         |
| a half-time basis.   | this time, I          | involving employment  |
| For all other        | understand that I may | complaints,           |
| deferment types, I   | include an additional | grievances, or        |
| must provide my      | eligible loan(s) by   | disciplinary actions, |
| lender with a        | submitting a request  | we may disclose       |
| deferment request    | to my lender. My      | relevant records to   |
| and evidence that    | lender must receive   | adjudicate or         |
| verifies my          | my request within 180 | investigate the       |
| eligibility.         | days after the date   | issues. If provided   |
|                      | on which my Federal   | for by a collective   |
| If I did not         | Consolidation Loan is | bargaining agreement, |
| consolidate all of   | disbursed. After this | we may disclose       |
| my FFELP loans, the  | period of time, I     | records to a labor    |
| deferment options    | will need to apply    |                       |
| available to me for  | for a new Federal     | organization          |
| this Federal         | Consolidation Loan to | recognized under 5    |
| Consolidation Loan   | consolidate any       | U.S.C. Chapter 71.    |
| will be based on the | eligible loan(s).     | Disclosures may also  |
| deferment provisions |                       | be made to qualified  |
| that are in effect   | **IMPORTANT NOTICES** | researchers under     |
| for any outstanding  |                       | Privacy Act           |
| loan(s) not          | **Privacy Act         | safeguards.           |
| consolidated,        | Notice**              |                       |
| provided the         |                       | ##### Financi         |
| deferment is         | The Privacy Act of    | al Privacy Act Notice |
| authorized for       | 1974 (5 U.S.C. 552a)  |                       |
| Federal              | requires that the     | Under the Right to    |
| Consolidation Loans. | following notice be   | Financial Privacy Act |
| (See Item 4,         | provided to you:      | of 1978 (12 U.S.C.    |
| "Payment of          |                       | 3401-3421), the U.S.  |
| Interest.") My       | The authority for     | Department of         |
| lender can provide   | collecting the        | Education will have   |
| additional           | requested information | access to financial   |
| information about    | from and about you is | records in your       |
| deferment            | §428(b)(2)(A) et seq. | student loan file     |
| eligibility.         | of the Higher         | maintained by the     |
|                      | Education Act of      | lender in compliance  |
| **10.                | 1965, as amended (20  | with the              |
| Forbearance** - If I | U.S.C.                | administration of the |
| am unable to make my |                       | Federal Family        |
| scheduled loan       | 1078(b)(2)(A) et      | Education Loan        |
| payments, the lender | seq.), and the        | Program.              |
| may allow me to      | authority for         |                       |
| reduce my payment    | collecting and using  | ##### Paper           |
| amount, to extend    | your Social Security  | work Reduction Notice |
| the time for making  | Number (SSN) is       |                       |
| payments, or to      | §484(a)(4)(B) of the  | According to the      |
| temporarily stop     | HEA (20 U.S.C.        | Paperwork Reduction   |
| making payments as   | 1078-2(f)).           | Act of 1995, no       |
| long as I intend to  | Participating in the  | persons are required  |
| repay my loan.       | Federal Family        | to respond to a       |
| Allowing me to       | Education Loan        | collection of         |
| temporarily delay or | Program (FFELP) and   | information unless it |
| reduce loan payments | giving us your SSN    | displays a currently  |
| is called a          | are voluntary, but    | valid OMB control     |
| forbearance.         | you must provide the  | number. The valid OMB |
| Interest charges     | requested             | control number for    |
| continue to accrue   | information,          | this information      |
| during a forbearance | including your SSN,   | collection is         |
| period.              | to participate.       | 1845-0036. The time   |
|                      |                       | required to complete  |
| The lender may grant | The principal         | this information is   |
| me forbearance due   | purposes for          | estimated to average  |
| to poor health or    | collecting the        | 1.0 hours (60         |
| other acceptable     | information on this   | minutes) per          |
| reasons.             | form, including your  | response, including   |
|                      | SSN, are to verify    | the time to review    |
| My lender is         | your identity, to     | instructions, search  |
| generally not        | determine your        | existing data         |
| required to grant a  | eligibility to        | resources, gather and |
| forbearance and may  | receive a loan(s) or  | maintain the data     |
| require me to        | a benefit on a        |                       |
| provide my reasons   | loan(s) (such as a    | needed, and complete  |
| for the request and  | deferment,            | and review the        |
| other information.   | forbearance,          | information           |
|                      | discharge, or         | collection. **If you  |
| The lender may grant | forgiveness) under    | have any comments     |
| me a forbearance to  | the FFELP, to permit  | concerning the        |
| eliminate a          | the servicing         | accuracy of the time  |
| delinquency that     |                       | estimate(s) or        |
| persists even though |                       | suggestions for       |
| I am making          |                       | improving this form,  |
| scheduled            |                       | please write to:**    |
| installment          |                       |                       |
| payments. My lender  |                       | U.S. Department of    |
| may grant me an      |                       | Education             |
| administrative       |                       |                       |
| forbearance for up   |                       | Washington, DC        |
| to 60 days in order  |                       | 20202-4651            |
| to collect and       |                       |                       |
| process              |                       | **If you have any     |
| documentation        |                       | comments or concerns  |
| supporting my        |                       | regarding the status  |
| request for a        |                       | of your individual    |
| deferment,           |                       | submission of this    |
| forbearance, change  |                       | form, contact the     |
| in repayment plan,   |                       | lender, guarantor, or |
| or consolidation.    |                       | program identified in |
|                      |                       | the upper right-hand  |
|                      |                       | corner of this        |
|                      |                       | form**.               |
+----------------------+-----------------------+-----------------------+