EXHIBIT 4.3



 Exhibit 4.3 

  
 INTERIM TRUST AGREEMENT 
  
 between 
  
 VG FUNDING, LLC, 
 as the Seller 
  
 and 
  
 CHASE MANHATTAN BANK USA, 
 NATIONAL ASSOCIATION, 
 not in its individual
capacity but solely 
 as Eligible Lender Trustee for the 
 benefit of VG Funding, LLC 
  
 Dated as of January 1, 2005 
  

  









  
 TABLE OF CONTENTS

  

			
	 	  	Page


	 ARTICLE I Definitions and Usage
	  	1
		
	 ARTICLE II Appointment of VG Funding Eligible Lender Trustee
	  	1
	 SECTION 2.1 Appointment of VG Funding Eligible Lender Trustee
	  	1
	 SECTION 2.2 Declaration of Trust
	  	2
	 SECTION 2.3 Title to Interim Trust Loans
	  	2
		
	 ARTICLE III Representations and Warranties of VG Funding
	  	2
		
	 ARTICLE IV Authority and Duties of VG Funding Eligible Lender Trustee
	  	3
	 SECTION 4.1 General Authority
	  	3
	 SECTION 4.2 General Duties
	  	3
	 SECTION 4.3 No Duties Except as Specified in this Agreement
	  	3
	 SECTION 4.4 No Action Except Under Specified Documents
	  	3
	 SECTION 4.5 Restrictions
	  	3
		
	 ARTICLE V Concerning the VG Funding Eligible Lender Trustee
	  	4
	 SECTION 5.1 Acceptance of Trust and Duties
	  	4
	 SECTION 5.2 Representations and Warranties
	  	4
	 SECTION 5.3 Not Acting in Individual Capacity
	  	5
	 SECTION 5.4 VG Funding Eligible Lender Trustee Not Liable for the Interim Trust Loans
	  	5
		
	 ARTICLE VI Compensation of VG Funding Eligible Lender Trustee
	  	5
		
	 ARTICLE VII Termination of Interim Trust Agreement
	  	6
		
	 ARTICLE VIII Successor VG Funding Eligible Lender Trustees
	  	6
	 SECTION 8.1 Eligibility Requirements for VG Funding Eligible Lender Trustee
	  	6
	 SECTION 8.2 Resignation or Removal of VG Funding Eligible Lender Trustee
	  	6
	 SECTION 8.3 Successor VG Funding Eligible Lender Trustee
	  	7
	 SECTION 8.4 Merger or Consolidation of VG Funding Eligible Lender Trustee
	  	7
		
	 ARTICLE IX Miscellaneous
	  	8
	 SECTION 9.1 Supplements and Amendments
	  	8
	 SECTION 9.2 Notices
	  	8
	 SECTION 9.3 Severability
	  	9
	 SECTION 9.4 Separate Counterparts
	  	9
	 SECTION 9.5 Successors and Assigns
	  	9
	 SECTION 9.6 Headings
	  	9
	 SECTION 9.7 Governing Law
	  	9
		
	 APPENDIX A Definitions and Usage
	  	 

  

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 INTERIM TRUST AGREEMENT

  
 INTERIM TRUST AGREEMENT (the “Agreement”), dated
as of January 1, 2005, between VG Funding, LLC (“VG Funding”) as the Purchaser and subsequent Seller of certain Loans, and CHASE MANHATTAN BANK USA, NATIONAL ASSOCIATION, a national banking association, not in its individual capacity but
solely as Eligible Lender Trustee (the “VG Funding Eligible Lender Trustee”). 
  
 WHEREAS, VG Funding is a limited liability company established for the purpose of purchasing Loans from subsidiaries or affiliates of SLM Corporation and selling Loans to, among others, SLM Funding LLC (the
“Depositor”) for resale to special purpose trusts established for the purpose of financing the purchase of such Loans; 
  
 WHEREAS, on the Closing Date, VG Funding will acquire certain Loans from VG Funding I, a Delaware statutory trust of which VG Funding is the depositor,
and will subsequently enter into a Purchase Agreement with the Depositor, for the purpose of effecting the sale of such Loans; and 
  
 WHEREAS, the Eligible Lender Trustee is an “eligible lender” within the meaning of Section 435(d) of the Higher Education Act and is willing to
hold legal title to such Loans (the “Interim Trust Loans”) on behalf and for the benefit of VG Funding. 
  
 NOW, THEREFORE, VG Funding and the Eligible Lender Trustee hereby agree as follows: 
  
 ARTICLE I 
  
 Definitions and Usage 
  
 Except as otherwise specified herein or as the context may otherwise require, capitalized terms used but not otherwise defined herein are defined in
Appendix A hereto, which also contains rules as to usage that shall be applicable herein. 
  
 ARTICLE II 
  
 Appointment of VG Funding Eligible Lender Trustee 
  
 SECTION 2.1 Appointment of VG Funding Eligible Lender Trustee. VG Funding hereby appoints the VG Funding Eligible Lender Trustee, effective as of the date hereof, as trustee, to have all the
rights, powers and duties set forth herein, including, without limitation: 
  

	 	a.	to hold legal title to the Interim Trust Loans on behalf and for the benefit of VG Funding; 

  

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	 	b.	to enter into and perform its obligations as the VG Funding Eligible Lender Trustee under this Agreement and the VG Funding Purchase Agreement; and 

  

	 	c.	to engage in those activities, including entering into agreements, that are necessary, suitable or convenient to accomplish the foregoing or are incidental thereto or connected
therewith. 

  
 SECTION 2.2 Declaration
of Trust. The VG Funding Eligible Lender Trustee hereby declares that it will hold the Interim Trust Loans in trust upon and subject to the conditions set forth herein for the use and benefit of VG Funding, subject to the obligations of the
VG Funding Eligible Lender Trustee and under the VG Funding Purchase Agreement. Effective as of the date hereof, the VG Funding Eligible Lender Trustee shall have all rights, powers and duties set forth herein with respect to accomplishing the
purposes of this Agreement. 
  
 SECTION 2.3 Title to
Interim Trust Loans. Legal title to all of the Interim Trust Loans shall be vested at all times in the VG Funding Eligible Lender Trustee on behalf of and for the benefit of VG Funding. 
  
 ARTICLE III 
  
 Representations and Warranties of Depositor 
  
 VG Funding hereby represents and warrants to the VG Funding Eligible Lender
Trustee that: 
  

	 	1.	It is duly organized and validly existing as a Delaware limited liability company in good standing under the laws of the State of Delaware, with power and authority to own its
properties and to conduct its business as such properties are currently owned and such business is presently conducted. 

  

	 	2.	It has all necessary power and authority to execute and deliver this Agreement and to carry out its terms; and the execution, delivery and performance of this Agreement has been
duly authorized by VG Funding by all necessary action. 

  

	 	3.	This Agreement constitutes a legal, valid and binding obligation of VG Funding enforceable in accordance with its terms, subject to applicable bankruptcy, insolvency, reorganization
and similar laws relating to creditors’ rights generally and subject to general principles of equity. 

  

	 	4.	 The consummation of the transactions contemplated by this Agreement and the fulfillment of the terms hereof do not conflict with, result in any breach of any of the
terms and provisions of, or constitute (with or without notice or lapse of time or both) a default under, the certificate of formation or limited liability company operating agreement of VG Funding, or any indenture, agreement or other instrument to
which VG Funding is a party or by which it is bound; nor result in 



  

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the creation or imposition of any Lien upon any of its properties pursuant to the terms of any such indenture, agreement or other instrument (other than as
contemplated by the Basic Documents); nor violate any law or any order, rule or regulation applicable to VG Funding of any court or of any Federal or state regulatory body, administrative agency or other governmental instrumentality having
jurisdiction over VG Funding or its properties. 


  
 ARTICLE IV 
  
 Authority and Duties of
VG Funding Eligible Lender Trustee 
  
 SECTION 4.1
General Authority. The VG Funding Eligible Lender Trustee is authorized and directed to execute and deliver the VG Funding Purchase Agreement and this Agreement and each certificate or other document attached as an exhibit to or
contemplated by such agreements, in each case, in such form as VG Funding shall approve as evidenced conclusively by the VG Funding Eligible Lender Trustee’s execution thereof. The VG Funding Eligible Lender Trustee is also authorized and
directed on behalf and for the benefit of VG Funding to acquire and hold legal title to the Interim Trust Loans and to take all actions required of the VG Funding Eligible Lender Trustee pursuant to the VG Funding Purchase Agreement and this
Agreement. 
  
 SECTION 4.2 General Duties. It
shall be the duty of the VG Funding Eligible Lender Trustee to discharge (or cause to be discharged) all its responsibilities as the VG Funding Eligible Lender Trustee pursuant to the terms of the VG Funding Purchase Agreement and this Agreement.

  
 SECTION 4.3 No Duties Except as Specified in this
Agreement. The VG Funding Eligible Lender Trustee shall not have any duty or obligation to manage, make any payment with respect to, register, record, sell, service, dispose of or otherwise deal with the Interim Trust Loans, or to otherwise
take or refrain from taking any action under, or in connection with, any document contemplated hereby to which the VG Funding Eligible Lender Trustee is a party, except as expressly provided by the terms of the VG Funding Purchase Agreement or this
Agreement; and no implied duties or obligations shall be read into this Agreement or the VG Funding Purchase Agreement against the VG Funding Eligible Lender Trustee. 
  
 SECTION 4.4 No Action Except Under Specified Documents. The VG Funding Eligible Lender Trustee shall
not otherwise deal with the Interim Trust Loans except in accordance with the powers granted to and the authority conferred upon the VG Funding Eligible Lender Trustee pursuant to this Agreement and the VG Funding Purchase Agreement. 
  
 SECTION 4.5 Restrictions. The VG Funding Eligible Lender
Trustee shall not take any action that is inconsistent with the purposes of the Trust set forth in the Basic Documents. 
  

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 ARTICLE V

  
 Concerning the VG Funding Eligible Lender Trustee

  
 SECTION 5.1 Acceptance of Trust and
Duties. The VG Funding Eligible Lender Trustee accepts the trust hereby created and agrees to perform its duties hereunder with respect to such trust but only upon the terms of this Agreement. The VG Funding Eligible Lender Trustee shall not
be answerable or accountable hereunder or under the VG Funding Purchase Agreement under any circumstances, except (i) for its own willful misconduct or negligence or (ii) in the case of the inaccuracy of any representation or warranty contained in
Section 5.2 below expressly made by the VG Funding Eligible Lender Trustee. In particular, but not by way of limitation (and subject to the exceptions set forth in the preceding sentence): 
  

	 	1.	The VG Funding Eligible Lender Trustee shall not be liable for any error of judgment made by a responsible officer of the VG Funding Eligible Lender Trustee.


  

	 	2.	No provision of this Agreement or the VG Funding Purchase Agreement shall require the VG Funding Eligible Lender Trustee to expend or risk funds or otherwise incur any financial
liability in the performance of any of its rights or powers hereunder or under the VG Funding Purchase Agreement, if the VG Funding Eligible Lender Trustee shall have reasonable grounds for believing that repayment of such funds or adequate
indemnity against such risk or liability is not reasonably assured or provided to it. 

  

	 	3.	The VG Funding Eligible Lender Trustee shall not be responsible for or in respect of the validity or sufficiency of this Agreement or for the due execution hereof by VG Funding or
for the form, character, genuineness, sufficiency, value or validity of any of the Interim Trust Loans or for or in respect of the validity or sufficiency of the VG Funding Purchase Agreement. 

  
 SECTION 5.2 Representations and Warranties. The VG
Funding Eligible Lender Trustee hereby represents and warrants to VG Funding that: 
  

	 	1.	It is duly organized and validly existing in good standing under the laws of its governing jurisdiction and has an office located within the State of Delaware, at which it will act
as trustee for the Trust. It has all requisite power and authority to execute, deliver and perform its obligations under the VG Funding Purchase Agreement and this Agreement. 

  

	 	2.	It has taken all action necessary to authorize the execution and delivery by it of the VG Funding Purchase Agreement and this Agreement, and the VG Funding Purchase Agreement and
this Agreement have been executed and delivered by one of its officers who is duly authorized to execute and deliver the same on its behalf. 

  

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	 	3.	Neither the execution nor the delivery by it of the VG Funding Purchase Agreement or this Agreement, nor the consummation by it of the transactions contemplated thereby or hereby
nor compliance by it with any of the terms or provisions thereof or hereof will contravene any Federal or Delaware state law, governmental rule or regulation governing the banking or trust powers of the VG Funding Eligible Lender Trustee or any
judgment or order binding on it, or constitute any default under its charter documents or by-laws or any indenture, mortgage, contract, agreement or instrument to which it is a party or by which any of its properties may be bound.


  

	 	4.	It is and will maintain its status as an “eligible lender” (as such term is defined in Section 435(d) of the Higher Education Act) for purposes of holding legal title to
the Interim Trust Loans as contemplated by this Agreement and the VG Funding Purchase Agreement. 

  
 SECTION 5.3 Not Acting in Individual Capacity. Except as provided in this Article V, in accepting the trust hereby created, Chase
Manhattan Bank USA, National Association acts solely as VG Funding Eligible Lender Trustee hereunder and not in its individual capacity. 
  
 SECTION 5.4 VG Funding Eligible Lender Trustee Not Liable for the Interim Trust Loans. The VG Funding Eligible Lender Trustee makes
no representations as to the validity or sufficiency of this Agreement or the VG Funding Purchase Agreement, or of any Interim Trust Loan or related documents. The VG Funding Eligible Lender Trustee shall at no time have any responsibility for or
with respect to the sufficiency of the Interim Trust Loans; the validity or completeness of the assignment to the VG Funding Eligible Lender Trustee of legal title to any Interim Trust Loan on behalf and for the benefit of VG Funding; the
performance or enforcement (except as expressly set forth in the VG Funding Purchase Agreement) of any Interim Trust Loan; the compliance by VG Funding or the Servicer with any warranty or representation made under any Basic Document or in any
related document or the accuracy of any such warranty or representation or any action or inaction of the Administrator, the Indenture Trustee or the Servicer or any subservicer taken in the name of the VG Funding Eligible Lender Trustee. 

 
 ARTICLE VI 
  
 Compensation of VG Funding Eligible Lender Trustee 

 
 The VG Funding Eligible Lender Trustee shall receive as compensation for
its services hereunder such fees as have been separately agreed upon before the date hereof between VG Funding and the VG Funding Eligible Lender Trustee, and the VG Funding Eligible Lender Trustee shall be entitled to be reimbursed by VG Funding,
to the extent provided in such separate agreement, for its other reasonable expenses hereunder. 
  

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 ARTICLE VII

  
 Termination of Interim Trust Agreement

  
 This Agreement (other than Article VI) and the trust
created hereby shall terminate and be of no further force or effect upon the earlier of (i) the termination of the Trust pursuant to Section 9.1 of the Trust Agreement and (ii) the expiration of 21 years from the death of the last survivor of the
descendants of Joseph P. Kennedy, the late Ambassador of the United States to the Court of St. James’s, living on the date hereof. 
  
 ARTICLE VIII 
  
 Successor VG Funding Eligible Lender Trustees 
  
 SECTION 8.1 Eligibility Requirements for VG Funding Eligible Lender Trustee. The VG Funding Eligible Lender Trustee shall at all
times be a corporation or banking association (i) qualifying as an “eligible lender” as such term is defined in Section 435(d) of the Higher Education Act for purposes of holding legal title to the Interim Trust Loans on behalf and for the
benefit of VG Funding, with a valid lender identification number with respect to the Interim Trust Loans from the Department; and (ii) being authorized to exercise corporate trust powers and hold legal title to the Interim Trust Loans. In case at
any time the VG Funding Eligible Lender Trustee shall cease to be eligible in accordance with the provisions of this Section, the VG Funding Eligible Lender Trustee shall resign immediately in the manner and with the effect specified in Section 8.2.

  
 SECTION 8.2 Resignation or Removal of VG Funding
Eligible Lender Trustee. The VG Funding Eligible Lender Trustee may at any time resign and be discharged from the trust hereby created by giving written notice thereof to VG Funding. Upon receiving such notice of resignation, VG Funding
shall promptly appoint a successor VG Funding Eligible Lender Trustee meeting the eligibility requirements of Section 8.1 by written instrument, in duplicate, one copy of which instrument shall be delivered to the resigning VG Funding Eligible
Lender Trustee and one copy to the successor VG Funding Eligible Lender Trustee. If no successor VG Funding Eligible Lender Trustee shall have been so appointed and have accepted appointment within 30 days after the giving of such notice of
resignation, the resigning VG Funding Eligible Lender Trustee may petition any court of competent jurisdiction for the appointment of a successor VG Funding Eligible Lender Trustee; provided, however, that such right to appoint or to
petition for the appointment of any such successor shall in no event relieve the resigning VG Funding Eligible Lender Trustee from any obligations otherwise imposed on it under this Agreement or the VG Funding Purchase Agreement until such successor
has in fact assumed such appointment. 
  
 If at any time the VG
Funding Eligible Lender Trustee shall cease to be or shall be likely to cease to be eligible in accordance with the provisions of Section 8.1 and shall fail to resign after written request therefor by VG Funding, then VG Funding may remove the VG
Funding Eligible Lender Trustee. If VG Funding shall remove the VG Funding Eligible Lender Trustee under the authority of the immediately preceding sentence, VG Funding shall promptly appoint a 

  

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successor VG Funding Eligible Lender Trustee by written instrument, in duplicate, one copy of which instrument shall be delivered to the outgoing VG Funding
Eligible Lender Trustee so removed and one copy to the successor VG Funding Eligible Lender Trustee together with payment of all fees owed to the outgoing VG Funding Eligible Lender Trustee. 
  
 Any resignation or removal of the VG Funding Eligible Lender Trustee and
appointment of a successor VG Funding Eligible Lender Trustee pursuant to any of the provisions of this Section shall not become effective until acceptance of appointment by the successor VG Funding Eligible Lender Trustee pursuant to Section 8.3
and payment of all fees and expenses owed to the outgoing VG Funding Eligible Lender Trustee. 
  
 SECTION 8.3 Successor VG Funding Eligible Lender Trustee. Any successor VG Funding Eligible Lender Trustee appointed pursuant to Section 8.2 shall execute, acknowledge and deliver to VG Funding
and to its predecessor VG Funding Eligible Lender Trustee an instrument accepting such appointment under this Agreement, and thereupon the resignation or removal of the predecessor VG Funding Eligible Lender Trustee shall become effective and such
successor VG Funding Eligible Lender Trustee, without any further act, deed or conveyance, shall become fully vested with all the rights, powers, duties and obligations of its predecessor under this Agreement, with like effect as if originally named
as VG Funding Eligible Lender Trustee. The predecessor VG Funding Eligible Lender Trustee shall upon payment of its fees and expenses deliver to the successor VG Funding Eligible Lender Trustee all documents, statements, moneys and properties held
by it under this Agreement and shall assign, if permissible, to the successor VG Funding Eligible Lender Trustee any lender identification number obtained from the Department with respect to the Interim Trust Loans; and VG Funding and the
predecessor VG Funding Eligible Lender Trustee shall execute and deliver such instruments and do such other things as may reasonably be required for fully and certainly vesting and confirming in the successor VG Funding Eligible Lender Trustee all
such rights, powers, duties and obligations. 
  
 No successor VG
Funding Eligible Lender Trustee shall accept such appointment as provided in this Section unless at the time of such acceptance such successor VG Funding Eligible Lender Trustee shall be eligible pursuant to Section 8.1. 
  
 SECTION 8.4 Merger or Consolidation of VG Funding Eligible
Lender Trustee. Any corporation into which the VG Funding Eligible Lender Trustee may be merged or converted or with which it may be consolidated, or any corporation or banking association resulting from any merger, conversion or
consolidation to which the VG Funding Eligible Lender Trustee shall be a party, or any corporation succeeding to all or substantially all the corporate trust business of the VG Funding Eligible Lender Trustee, shall, without the execution or filing
of any instrument or any further act on the part of any of the parties hereto, anything herein to the contrary notwithstanding, be the successor of the VG Funding Eligible Lender Trustee hereunder; provided that such corporation or banking
association shall be eligible pursuant to Section 8.1. 
  

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 ARTICLE IX

  
 Miscellaneous 
  
 SECTION 9.1 Supplements and Amendments. This Agreement
may be amended by VG Funding and the VG Funding Eligible Lender Trustee, with prior written notice to the Rating Agencies, without the consent of any of the Noteholders, to cure any ambiguity, to correct or supplement any provisions in this
Agreement or for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions in this Agreement; provided, however, that such action shall not, as evidenced by an Opinion of Counsel, adversely
affect in any material respect the interests of any Noteholder. 
  
 This Agreement may also be amended from time to time by VG Funding and the VG Funding Eligible Lender Trustee, with prior written notice to the Rating Agencies and with the consent of the Noteholders evidencing not less than a majority of
the Outstanding Amount of the Notes, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Agreement; provided, however, that no such amendment shall reduce the aforesaid
percentage of the Outstanding Amount of the Notes required to consent to any such amendment, without the consent of all the outstanding Noteholders. 
  
 Promptly after the execution of any such amendment or consent, the VG Funding Eligible Lender Trustee shall furnish written notification of the substance
of such amendment or consent to the Indenture Trustee and each of the Rating Agencies. 
  
 It shall not be necessary for the consent of the Noteholders pursuant to this Section to approve the particular form of any proposed amendment or consent, but it shall be sufficient if such consent shall approve the
substance thereof. The manner of obtaining such consents and of evidencing the authorization of the execution thereof shall be subject to such reasonable requirements as the VG Funding Eligible Lender Trustee may prescribe. 
  
 Prior to the execution of any amendment to this Agreement, the VG Funding
Eligible Lender Trustee shall be entitled to receive and rely upon an Opinion of Counsel stating that the execution of such amendment is authorized or permitted by this Agreement. The VG Funding Eligible Lender Trustee may, but shall not be
obligated to, enter into any such amendment which affects the VG Funding Eligible Lender Trustee’s own rights, duties or immunities under this Agreement or otherwise. 
  
 SECTION 9.2 Notices. Unless otherwise expressly specified or permitted by the terms hereof, all notices
shall be in writing and shall be deemed given upon receipt by the intended recipient or three Business Days after mailing if mailed by certified mail, postage prepaid (except that notice to the VG Funding Eligible Lender Trustee shall be deemed
given only upon actual receipt by the VG Funding Eligible Lender Trustee), if to the VG Funding Eligible Lender Trustee, addressed to its Corporate Trust Office; if to VG Funding, addressed to VG Funding, LLC, 12061 Bluemont Way, V3419, Reston,
Virginia 20190, or, as to each party, at such other address as shall be designated by such party in a written notice to each other party. 
  

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 SECTION 9.3 Severability. Any provision of this Agreement that is prohibited or
unenforceable in any jurisdiction shall, as to such jurisdiction, be ineffective to the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof, and any such prohibition or unenforceability in any
jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction. 
  
 SECTION 9.4 Separate Counterparts. This Agreement may be executed by the parties hereto in separate counterparts, each of which when
so executed and delivered shall be an original, but all such counterparts shall together constitute but one and the same instrument. 
  
 SECTION 9.5 Successors and Assigns. All covenants and agreements contained herein shall be binding upon and to the benefit of, VG
Funding and its successors and the VG Funding Eligible Lender Trustee and its successors, all as herein provided. 
  
 SECTION 9.6 Headings. The headings of the various Articles and Sections herein are for convenience of reference only and shall not
define or limit any of the terms or provisions hereof. 
  
 SECTION 9.7 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without reference to its conflict of law provisions, and the obligations, rights and
remedies of the parties hereunder shall be determined in accordance with such laws. 
  

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 IN WITNESS WHEREOF, the parties hereto have caused this Interim Trust Agreement to be duly executed by
their respective officers hereunto duly authorized, as of the day and year first above written. 
  

					
	 CHASE MANHATTAN BANK USA,
 NATIONAL ASSOCIATION,

	not in its individual capacity but solely as Eligible Lender Trustee for the benefit of VG Funding, LLC
		
	By:	 	 /S/ JOHN J. CASHIN

	 	 	 Name:
	 	 John J. Cashin

	 	 	 Title:
	 	 Vice President

	
	 VG FUNDING, LLC,

	in its capacity as Purchaser and Seller
		
	By:	 	 /S/ MARK L. HELEEN

	 	 	 Name:
	 	 Mark L. Heleen

	 	 	 Title:
	 	 Vice President



  

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