exv10w22



 












EXHIBIT 10.22




FLORIDA DEPARTMENT OF EDUCATION

OFFICE OF STUDENT FINANCIAL ASSISTANCE

FLORIDA FEDERAL FAMILY EDUCATION LOAN PROGRAM

LENDING INSTITUTION PARTICIPATION AGREEMENT



This Agreement is entered into for the purpose of participation in the Florida Guaranteed Loan
Programs. The Bank of New York, solely in its capacity as eligible lender trustee (Lender #833872)
for Student Loan Consolidation Center Student Loan Trust — I (“Lender”) and without recourse to
assets held by the eligible lender trustee other than those held in trust.



WHEREAS, eligible lender trustee other than those held in trust hereinafter referred to as the
“Lender”, wishes to be able to secure loan insurance on loans made to or on behalf of students
pursuing programs of postsecondary education pursuant to Title IV, Part B, of the Higher Education
Act of 1965, as amended, hereinafter referred to as the “Act”, and



WHEREAS, The Florida Department of Education, hereinafter referred to as the “Department”, has
qualified for reinsurance of such loans and having found the Lender qualifies as an eligible lender
under the provisions of the Act, the applicable parts of Title 34 of the Code of Federal
Regulations (hereinafter referred to as “Federal Regulations”), Florida Statutes and the Rules of
the State Board of Education (hereinafter referred to as “SBE Rules”), wishes to encourage the
holding and originating of such loans by the Lender.



NOW THEREFORE, it is agreed that:





	1.  	Within such limits as may be set by the Act, Federal Regulations, Florida Statutes and SBE
Rules, the Department shall fully guarantee all loans held and originated by the lender which
are reinsurable under Act and Federal Regulations. The Act, the applicable Federal
Regulations, the applicable Florida Statutes and SBE Rules are a part of this Agreement.






	2.  	In making or servicing guaranteed loans to or on behalf of eligible borrowers, the Lender
will assist them in securing such reductions in their obligations to pay interest on loans
made by the Lender as they may be eligible to receive under the Act and Federal Regulations.






	3.  	Due diligence in making, servicing, and collecting Florida guaranteed loans will be provided
by the Lender as specified by Federal Regulations and SBE Rules.






	4.  	The Lender will maintain transaction records and reports in such form and containing such
information as the Department requires, and will afford access thereto as the Department or
its authorized representatives may find necessary to assure correctness and to verify such
records and reports.









Page 1 of 4











 
















	5.  	The Department will supply the Lender with all forms and informational materials as are
necessary to perform the requirements set forth by this Agreement. Any addition,
substitution, or alteration of forms provided by the Department must be approved, in advance
of their use, by the Department.






	6.  	The Lender will provide notification to the Department when it acquires a loan for which the
Department has issued a notice of loan guarantee. Regarding a guaranteed loan already held by
the Lender, in order for a loan account to remain subject to the Department’s guarantee
obligation, the loan may be transferred only to another approved lender or eligible holder of
Florida Guaranteed loans.






	7.  	Payment of a note may be extended in whole or in part, and the provisions of the note may be
modified without notice to and without affecting the liability of the Department, if such
extension or modification complies with the requirements for notes under this Agreement,
Federal Regulations and SBE Rules.






	8.  	The Lender will notify the Department of any servicing or management of the Lender’s
guaranteed loan portfolio performed by an agent(s) other than the holder of record.






	9.  	Whenever any guaranteed note shall be in default, or upon the death or total and permanent
disability of a borrower, or upon adjudication in bankruptcy, the Department will, upon
receipt of a properly documented claim from the Lender, purchase the total amount of principal
and interest then due and owing to the Lender, in accordance with Federal Regulations and SBE
Rules.






	10.  	The Department shall maintain on deposit with the State Treasurer of Florida or State Board
of Administration funds or negotiable securities representing no less than two percent (2%) of
the total unpaid principal amount of all guarantees issued by the Department or the guaranteed
portion of unpaid principal of all notes previously guaranteed by the Department exclusive of
such portion as may have been reinsured or guaranteed by the United States of America or an
agency, department, or instrumentality thereof. A statement of such funds and securities as
of the close of the latest state fiscal year shall be furnished to the Lender upon request.






	11.  	The Lender represents that the Lender is not currently the object of any directive issued by
the U.S. Department of Education or any state or federal agency which has the potential to
limit, suspend or terminate the Lender’s eligibility to participate in the guaranteed loan
programs. Further, the Lender will notify the Department on the same day it receives any such
directives while this Agreement is in effect.






	12.  	The Lender will not enter into any formal or informal agreement with any school regarding the
availability of Florida guaranteed loans, and will not provide to or accept financial
inducements from any school for making Florida guaranteed loans available to students
attending a school.







Page 2 of 4










 











	13.  	The Lender shall not discriminate nor deny equal opportunity on the basis of race, religion,
sex, creed, national origin, marital status, or veteran status in any decision material to
participation in the Florida Guaranteed Loan Programs, such as but not limited to, loan
eligibility determinations, or approval of deferments, forbearance’s, repurchases and loan
consolidation or refinancing.






	14.  	As a condition to the obligation of the Department herein, the Lender agrees to comply with
all laws, rules, and regulations, currently in effect and as may be amended during the term of
this Agreement, that are applicable to the transactions and loans which are to be guaranteed.






	15.  	This Agreement shall apply only to loans made after the date of execution by the Department
and may be terminated by the Lender by providing written notice to the Department thirty (30)
days in advance of the termination date. If the Department intends to terminate this
Agreement, the Department will establish the termination date in accordance with the
provisions set forth in Federal Regulations and SBE Rules. The termination of this agreement
shall not affect the coverage of loans guaranteed prior to such termination.






	16.  	The Lender shall provide to the Department a Secretary’s or Cashier’s Certificate and a
Certificate of Incumbency and Authenticity of Signatures, in the formats set out in
Attachments 1 and 2, which are incorporated in and made a part of this Agreement by reference,
or in a substantially equivalent format.





Page 3 of 4











 
















IN WITNESS WHEREOF, the parties have caused this instrument (which constitutes the entire Agreement
of the parties and which shall not be amended except in writing or as stated herein) to be executed
by their duly authorized officers.



FOR THE LENDER




     As an officer of this lending institution, I agree that this institution and its
representatives will comply with all laws, program regulations, and rules under this Agreement.



     The Bank of New York as eligible lender trustee for Student Loan Consolidation Center Student
Loan Trust — I.



	 	 	 
	 /s/ Tricia Heintz
	 	2/15/02
	 
	 	 
	Signature of Official
	 	Date
	 	 	 
	 Agent	 	 
	 	 
	Typed Name of Official	 	 






FOR THE DEPARTMENT




	 	 	 
	/s/ Judith Branch
	 	3/8/02
	 
	 	 
	Judith W. Branch, Director
	 	Date
	Policy, Training and Compliance	 	 
	Florida Department of Education	 	 
	Office of Student Financial Assistance	 	 








Page 4 of 4











 








	 	 	 	 	 
	Attachment 1

	 	(Bank Letterhead)
	 	(SUGGESTED FORMAT AND STYLE ONLY)






SECRETARY’S OR CASHIER’S CERTIFICATE




     I hereby certify that the following is a true and exact copy of a Resolution adopted by the
(Board of Directors or appropriate management committee or board committee in accordance with the By-laws) of                                                                                                                                                                 , at its


NAME OF LENDING INSTITUTION, CITY, COUNTY, STATE




	 
	(regular or Special) meeting held                                                                                 .






Date and Time




     RESOLVED, That
                                                                          
                                              ,


NAME OF LENDING INSTITUTION



shall become a participating lender in the Florida Guaranteed Loan Programs administered by
the Florida Department of Education, and such loans as are made by the lender to be insured as to
payment of principal and interest by the Florida Department of Education, and




	 
	FURTHER RESOLVED, That                                                             
                                        ,






NAME OF LENDING INSTITUTION




Subject to legal review by                                                                                                                         ,



NAME OF LENDING INSTITUTION



Counsel of pertinent contractual agreements provided by the Florida Department of Education
desires to lend up to $                     annually under the terms and conditions for such loans set
forth in the loan policy of the Bank, and




     FURTHER RESOLVED, That                                                                                                     


(Name)               (Title)



is hereby authorized to execute a Lending Institution Participation Agreement by and between
                                                                                                    , and the Florida Department of Education 

                    Name of Lending Institution




     FURTHER RESOLVED, That                                                             
                                                            


(Name)               (Title)




and                                                                                                                                            



(Name)               (Title)




are authorized to sign on documents for                                                                                                                         



                         Name of Lending Institution




under the Florida Guaranteed Loan Program administered by the Florida Department of
Education.”




Signed and dated at _________________, _______________, ___________, _______________

                                        (City)                         (County)                    (State)          (Date)




     (Institution’s Seal)




                                                                                                                                                                                                        

          (CEO Name)                                                            (Title)





 









 








	 	 	 
	Attachment 2

	 	SUGGESTED FORMAT AND
STYLE ONLY






(Bank Letterhead)




NAME OF LENDING INSTITUTION




CERTIFICATE OF INCUMBENCY AND AUTHENTICITY OF SIGNATURES




     I,                                                             , Vice President & Cashier of NAME OF LENDING INSTITUTION, CITY, COUNTY,
STATE, do hereby certify that the following persons whose signatures appear below are duly
elected and serving officers of the NAME LENDING INSTITUTIONS, and are authorized to sign on
documents for the NAME OF LENDING INSTITUTION under the Florida Guaranteed Loan Programs
administered by the Florida Department of Education.



	 	 	 
	

	 	

	(Name)
	 	(Title)
	 	 	 
	
	 	 
	(Signature)	 	 
	 	 	 
	

	 	

	(Name)
	 	(Title)
	 	 	 
	
	 	 
	(Signature)	 	 






Signed and dated at _________________, _______________, ___________, _______________

                                        (City)                         (County)                    (State)          (Date)




(Institution’s Seal)









(Name), 

Vice President & Cashier





 









 








TRUSTEE’S CERTIFICATE




     I, Robert W. Seifert, as agent of The Bank of New York (the “Trustee”), DO HEREBY CERTIFY as
follows:




	 	1.  	The Trustee is a banking corporation organized and existing under the laws of
the State of New York and has been granted authority under said laws to exercise
fiduciary powers, as evidenced by the Certificate of the Office of the Banking
Department of the State of New York attached hereto as Exhibit A, which Certificate
remains in full force and effect as of the date hereof.
	 
	 	2.  	Under the bylaws of the Trustee, any officer is authorized to accept
appointments as eligible lender trustee, and the Trustee has, as of the date hereof,
accepted its appointment as Trustee under, and the trusts imposed upon it by “An
Eligible Lender Trust Agreement dated as of March 1, 2002” and is hereby authorized to
execute a Lending Institution Participation Agreement with the Florida Department of
Education.
	 
	 	3.  	Tricia Heintz and George W. Bemister as Agents of the Trustee, are authorized
to execute on behalf of the Trustee any and all documents that relate to the Trustee
and as may be required.
	 
	 	4.  	The signature of Tricia Heintz and George W. Bemister set forth opposite their
names and titles below are genuine signatures:





	 	 	 	 	 
	

	 	Tricia Heintz
	          /s/ Tricia Heintz
	

	 	Agent
	 	

	 
	 	 	 	 
	

	 	George W. Bemister
	          /s/ George W. Bemister
	

	 	Agent
	 	








	 	5.  	The Agents named in this Certificate are duly appointed Agents of the Trustee,
who are now in office and are authorized to perform the acts mentioned above on behalf
of the Trustee as evidenced by certified extracts of the bylaws of the Trustee attached
hereto as Exhibit B.





     IN WITNESS WHEREOF, I have executed this certificate and affixed the seal of The Bank of New
York for delivery on the 1st day of March 2002.



	 	 	 
	 

	 	

	

	 	Agent
	 
	 	 
	

	 	(SEAL)







 









 








EXHIBIT A




CERTIFICATE OF THE OFFICE OF THE

BANKING DEPARTMENT OF THE STATE OF NEW YORK




 









 








STATE OF NEW YORK




BANKING DEPARTMENT




     I, P. VINCENT CONLON, Deputy Superintendent of Banks of the State of New York, DO HEREBY
CERTIFY:



     THAT, THE BANK OF NEW YORK, is a corporation duly organized and existing under the laws of the
State of New York and has its principal office and place of business as One Wall Street, New York,
New York. Such corporation is validly existing as a banking organization under the Banking Law of
the State of New York. The authorization certificate of such corporation has not been revoked or
suspended and such corporation is a subsisting trust company under the supervision of this
Document.


WITNESS, my hand and official seal of the Banking Department at the City of New York, this
15th day of June in the Year Two Thousand and One.




	 	 	 
	 

	 	/s/ P. Vincent Conlon
	

	 	

	

	 	Deputy Superintendent of Banks






 









 






State of New York 

Banking Department




State of New York

Banking Department




I, MANUEL KURSKY, Deputy Superintendent of Banks of the State of New York, DO HEREBY CERTIFY:




     THAT, the records in the Office of the Superintendent of Banks indicate that THE BANK OF NEW
YORK is a corporation organized by Special Act of the New York State Legislature, Chapter 616 of

the Laws of 1871, under the name “MUTUAL BENEFIT LIFE POLICY LOAN AND TRUST COMPANY OF NEW YORK”;
and



     THAT, THE BANK OF NEW YORK is authorized to transact a trust and banking business in the State
of New York and is operating under the supervision of this Department in accordance with Article
III of the New York State Banking Law; and



     THAT, there were subsequent changes of its corporate title to COMMERCIAL TRUST COMPANY in 1884
and to NEW YORK AND LONDON TRUST COMPANY in 1900. Chapter 356 of the Laws of 1904 placed NEW YORK
AND LONDON TRUST COMPANY under the supervision of the Superintendent of Banks. On October 28, 1905
the name was changed to COLUMBIA TRUST COMPANY; and



     THAT, on June 5, 1912 the name was changed to COLUMBIA-KNICKERBOCKER TRUST COMPANY by merger
of KNICKBOCKER TRUST COMPANY into COLUMBIA TRUST COMPANY; and



     THAT, effective August 1, 1914, the name was changed from COLUMBIA-KNICKERBOCKER TRUST COMPANY
to COLUMBIA TRUST COMPANY by Order of Court, a certified copy of which was filed in the Office of
the Superintendent of Banks on June 23, 1914; and



     THAT, on February 7, 1923 the name was changed to IRVING BANK-COLUMBIA TRUST COMPANY by merger
of IRVING BANK, NEW YORK into COLUMBIA TRUST COMPANY; and



     THAT, on September 17, 1926 the name was changed to IRVING BANK AND TRUST COMPANY by merger of
NATIONAL BUTCHERS & DROVERS BANK OF THE CITY OF NEW YORK into IRVING BANK-COLUMBIA TRUST COMPANY;
and



     THAT, on December 11, 1926 the name was changed to AMERICAN EXCHANGE IRVING TRUST COMPANY by
merger of THE AMERICAN EXCHANGE-PACIFIC BANK into IRVING BANK AND TRUST COMPANY; and



     THAT, the name was changed to IRVING TRUST COMPANY by a Certificate filed in the Office of the
Superintendent of Banks on February 1, 1929; and



     THAT, the name was changed from IRVING TRUST COMPANY to its present title of THE BANK OF NEW
YORK on October 6, 1989, by absorbing THE BANK OF NEW YORK; and



Page 1 of 5









 





State of New York 

Banking Department




     THAT, the following amendments to its charter were filed in the Office of the Superintendent
of Banks, as of the dates specified:



Certificate Changing Name of NEW YORK AND LONDON TRUST COMPANY to
COLUMBIA TRUST COMPANY — filed October 31, 1905



Agreement of Merger of KNICKERBOCKER TRUST COMPANY into COLUMBIA
TRUST COMPANY under the name of COLUMBIA-KNICKBOCKER TRUST COMPANY -
filed June 5, 1912



Verified transcript of Proceedings to Increase Number of Directors -
filed July 10, 1912



Supreme Court Order Directing Change of Name of
COLUMBIA-KNICKERBOCKER TRUST COMPANY to COLUMBIA TRUST COMPANY -
filed June 23, 1914



Certificate of Increase of the Amount of Capital Stock — filed
December 4, 1916



Certificate of Increase of the Amount of Capital Stock — filed
January 30, 1923



Agreement of Merger of IRVING BANK, NEW YORK into COLUMBIA TRUST
COMPANY under the name of IRVING BANK-COLUMBIA TRUST COMPANY — filed
February 7, 1923



Certificate of Increase of the Amount of Capital Stock — filed
September 17, 1926



Agreement of Merger of THE NATIONAL BUTCHERS & DROVERS BANK OF THE
CITY OF NEW YORK into IRVING BANK-COLUMBIA TRUST COMPANY under the
name of IRVING BANK AND TRUST COMPANY — filed September 17, 1926



Certificate of Increase of the Amount of Capital Stock — filed
December 2, 1926



Agreement of Merger of THE AMERICAN EXCHANGE-PACIFIC BANK into
IRVING BANK AND TRUST COMPANY under the name of AMERICAN EXCHANGE
IRVING TRUST COMPANY — filed December 11, 1926



Certificate of Increase of the Amount of Capital Stock — filed June
15, 1928



Page 2 of 5









 









State of New York 

Banking Department




Certificate of Increase of Number of Directors — filed January 9,
1929



Certificate of Change of Name of AMERICAN EXCHANGE IRVING TRUST
COMPANY to IRVING TRUST COMPANY — filed February 1, 1929



Certificate of Increase of the Amount of Capital Stock, Reduction of
Par Value of Shares and Increase of Number of Shares — filed April
17, 1929



Certificate of Decrease of Number of Directors — filed January 22,
1932



Certificate of Decrease of Number of Directors — filed January 17,
1934



Certificate of Change of Provisions Relating to the Number of
Directors — filed January 19, 1938



Certificate of Amendment of Certificate of Incorporation to Increase
Capital Stock — filed January 30, 1958



Certificate of Amendment of Certificate of Incorporation to Increase
Capital Stock — filed January 29, 1959



Certificate of Amendment of Certificate of Incorporation to Increase
Capital Stock — filed January 28, 1960



Certificate of Amendment of Certificate of Incorporation to Increase
Capital Stock — filed January 26, 1961



Certificate of Amendment of Certificate of Incorporation to Increase
Capital Stock — filed February 1, 1962



Certificate of Amendment of Certificate of Incorporation to Increase
Capital Stock — filed January 31, 1963



Certificate of Amendment of Certificate of Incorporation to Increase
Capital Stock — filed January 30, 1964



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed March 29, 1965



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed August 11, 1966



Page 3 of 5









 








State of New York 

Banking Department




Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed August 2, 1967



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed January 17, 1968



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed February 25, 1972



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed October 31, 1977



Certificate of Amendment of the Organization Certificate for a
change in the number of Directors — filed September 17, 1979



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed December 28, 1979



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed June 3, 1981



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed December 22, 1982



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed March 4, 1988



Certificate of Amendment of the Organization Certificate to Increase
Capital Stock — filed April 21, 1988



Certificate of Effectiveness of (the merger and) change of name of
IRVING TRUST COMPANY to THE BANK OF NEW YORK, when THE BANK OF NEW
YORK merged into IRVING TRUST COMPANY — filed October 6, 1989



Certificate of Amendment of the Organization Certificate to increase
Capital Stock — filed December 30, 1991



Certificate of Amendment of the Organization Certificate to increase
Capital Stock — filed December 31, 1992



Certificate of Amendment of the Organization Certificate to increase
Capital Stock — filed November 20, 1996; and



     THAT, no amendments to its Organization Certificate have been filed in the Office of the
Superintendent of Banks except those set forth above; and



Page 4 of 5









 





State of New York 

Banking Department




     I DO FURTHER CERTIFY THAT, THE BANK OF NEW YORK, the principal office of which is located at
One Wall Street, New York, New York, is a continuation of the entity and identity of “MUTUAL
BENEFIT LIFE POLICY LOAN AND TRUST COMPANY OF NEW YORK”, and has not been dissolved.



WITNESS, my hand and official seal of the Banking Department at the City of New York, this
18th day of September in the Year of Our Lord One thousand nine hundred and ninety-eight



	 	 	 
	 

	 	/s/ Manuel Kursky
	

	 	

	

	 	Deputy Superintendent of Banks






Page 5 of 5









 






EXHIBIT B




CERTIFIED EXTRACTS OF THE BYLAWS OF THE TRUSTEE





 









 








CORPORATE TRUST DIVISION

OFFICIAL SIGNING POWER AUTHORITY


Pursuant to Article 6, Section 6.2 and Section 6.3 of the By-Laws of The Bank of New York. I
hereby convey to the following officers of The Bank of New York Trust Company of Florida, N.A., the
signing authorities noted, in their capacity as Agent of The Bank of New York:




	 	 	 
	 	 	SIGNING POWER
	NAME	 	AUTHORITY
	 	 	 
	Michael Pellino

	 	Section 6.3A. 6.3J
	 	 	 
	Sharon Atkinson

	 	Section 6.3A. 6.3J
	Christine Boyd

	 	Section 6.3A. 6.3J
	Mark Brown

	 	Section 6.3A. 6.3J
	Julz Burgess

	 	Section 6.3A. 6.3J
	Sandra G. Carreker

	 	Section 6.3A. 6.3J
	Trevor Coore

	 	Section 6.3A. 6.3J
	Diane Crincoli

	 	Section 6.3A. 6.3J
	Thomas Dawkins

	 	Section 6.3A. 6.3J
	Elizabeth Dean

	 	Section 6.3A. 6.3J
	Tamara Klement-Ellis

	 	Section 6.3A. 6.3J
	Elizabeth Feezor

	 	Section 6.3A. 6.3J
	Ann M. Harris

	 	Section 6.3A. 6.3J
	Karen Hart

	 	Section 6.3A. 6.3J
	Tricia Heintz

	 	Section 6.3A. 6.3J
	Martin Henry

	 	Section 6.3A. 6.3J
	Troy L. Kilpatrick

	 	Section 6.3A. 6.3J
	William Lamm

	 	Section 6.3A. 6.3J
	Maryem Magee

	 	Section 6.3A. 6.3J
	Peggy T. McWhorter

	 	Section 6.3A. 6.3J
	Edward J. Mitchell

	 	Section 6.3A. 6.3J
	Terrance Mohammed

	 	Section 6.3A. 6.3J
	Charles S. Norten, IV

	 	Section 6.3A. 6.3J
	Sheila Papelbon

	 	Section 6.3A. 6.3J
	Paula Portuondo

	 	Section 6.3A. 6.3J
	Antonio Portuondo

	 	Section 6.3A. 6.3J
	Frederick Schaal

	 	Section 6.3A. 6.3J
	James D. Schiefelbein

	 	Section 6.3A. 6.3J
	Janalee Scott

	 	Section 6.3A. 6.3J
	Robert Seifert

	 	Section 6.3A. 6.3J
	Howard Shellkopf

	 	Section 6.3A. 6.3J
	Elizabeth T. Talley

	 	Section 6.3A. 6.3J
	Elizabeth Walsh

	 	Section 6.3A. 6.3J
	Philip Watson

	 	Section 6.3A. 6.3J
	Ethel White

	 	Section 6.3A. 6.3J
	 
	 	 
	Barbara Buck

	 	Section 6.3A. 6.3J
	Heidi Bowers

	 	Section 6.3A. 6.3J






 









 






	 	 	 
	 	 	SIGNING POWER
	NAME	 	AUTHORITY
	 	 	 
	Carolyn R. Cone

	 	Section 6.3A. 6.3J
	Cary L. Jones

	 	Section 6.3A. 6.3J
	Derek Kettel

	 	Section 6.3A. 6.3J
	Sheryl Lear

	 	Section 6.3A. 6.3J
	Helen Mabe

	 	Section 6.3A. 6.3J
	Kurt Marson

	 	Section 6.3A. 6.3J
	Cynthia Moore

	 	Section 6.3A. 6.3J
	Kara Lee Partin

	 	Section 6.3A. 6.3J
	Jenny Reid

	 	Section 6.3A. 6.3J
	Michael Ruppel

	 	Section 6.3A. 6.3J
	Tammy Stegall

	 	Section 6.3A. 6.3J
	Marc Stickney

	 	Section 6.3A. 6.3J
	Stefan Victory

	 	Section 6.3A. 6.3J
	Patricia W. Wilkes

	 	Section 6.3A. 6.3J
	 
	 	 
	Linda Boenish

	 	Section 6.3A. 6.3J
	Vicki Bellamy

	 	Section 6.3A. 6.3J
	George Bemister

	 	Section 6.3A. 6.3J
	Deborah Bennett

	 	Section 6.3A. 6.3J
	Tanya Chong

	 	Section 6.3A. 6.3J
	Deborah T. Daly

	 	Section 6.3A. 6.3J
	Robin L. Foster

	 	Section 6.3A. 6.3J
	Carol Hale

	 	Section 6.3A. 6.3J
	Eunice Horton

	 	Section 6.3A. 6.3J
	David M. Johnson

	 	Section 6.3A. 6.3J
	Craig Kaye

	 	Section 6.3A. 6.3J
	Giselle LaVerde

	 	Section 6.3A. 6.3J
	Sheryl Lear

	 	Section 6.3A. 6.3J
	Robert Lechner

	 	Section 6.3A. 6.3J
	Christie Leppert

	 	Section 6.3A. 6.3J
	Donna McClain

	 	Section 6.3A. 6.3J
	Linda Mendillo

	 	Section 6.3A. 6.3J
	Michele R. O’Donnell

	 	Section 6.3A. 6.3J
	Scott Rearden

	 	Section 6.3A. 6.3J
	Janet Ricardo

	 	Section 6.3A. 6.3J
	Keith Schuhle

	 	Section 6.3A. 6.3J
	Paula Starr

	 	Section 6.3A. 6.3J
	Michele J. Thompson

	 	Section 6.3A. 6.3J
	Jason Simmons

	 	Section 6.3A. 6.3J
	Jill Wiesner
	 	 






	 	 	 
	

	 	

	 

	 	Joseph M. Velli
	

	 	Senior Executive Vice President







 









 








EXHIBIT 5




SIGNING AUTHORITIES

Extracts from By-Laws

of

THE BANK OF NEW YORK

ARTICLE VI

As amended through July 11, 2000



SECTION 6.1 Real Property



Real property owned by the Bank in its own right shall not be deeded, conveyed, mortgaged, assigned
or transferred except when duly authorized by a resolution of the Board. The Board may from
time-to-time authorize officers to deed, convey, mortgage, assign or transfer real property owned
by the Bank in its own right with such maximum values as the Board may fix in its authorizing
resolution.



SECTION 6.2 Senior Signing Powers



Subject to the exception provided in Section 6.1, the Chairman, the President, any Vice Chairman of
the Board, any Senior Executive Vice President, any Executive Vice President, any Senior Vice
President or any Managing Director is authorized to accept, endorse, execute or sign any document,
instrument or paper in the name of, or on behalf of, the Bank in all transactions arising out of,
or in connection with, the normal course of the Bank’s business or in any fiduciary, representative
or agency capacity and, when required, to affix the seal of the Bank thereto. In such instances as
in the judgment of the Chairman, the President, any Vice Chairman of the Board, any Senior
Executive Vice President or any Executive Vice President may be proper and desirable, any one of
said officers may authorize in writing from time-to-time any other officer to have the powers set
forth in this section applicable only to the performance or discharge of the duties of such officer
within his or her particular division or function. Any officer of the Bank authorized in or
pursuant to Section 6.3 to have any of the powers set forth therein, other than the officer signing
pursuant to this Section 6.2, is authorized to attest to the seal of the Bank on any documents
requiring such seal.



SECTION 6.3 Limited Signing Powers



Subject to the exception provided in Section 6.1, in such finances as in the judgment of the
Chairman, the President, any Vice Chairman of the Board, any Senior Executive Vice President, or
any Executive Vice President, may be proper and desirable, any one of said officers may authorize
in writing from time-to-time any other officer, employee or individual to have the limited signing
powers or limited power to affix the seal of the Bank to specified classes of documents set forth
in a resolution of the Board applicable only to the performance or discharge of the duties of such
officer, employee or individual within his or her division or function.



SECTION 6.4 Powers of Attorney



All powers of attorney on behalf of the Bank shall be executed by any officer of the Bank jointly
with the Chairman of the Board, the President, any Vice Chairman, any Senior Executive Vice
President, any Executive Vice President, any Senior Vice President or any Managing Director. Any
such power of attorney may, however, be executed by any officer or officers or person or




 









 







persons who may be specifically authorized to execute the same by the Board of Directors and, at
foreign branches only, by any two officers provided one of such officers is the Branch Manager.



SECTION 6.5 Auditor



The Auditor or any officer designated by the Auditor is authorized to certify in the name of, or on
behalf of the Bank, in its own right or in a fiduciary or representative capacity, as to the
accuracy and completeness of any account, schedule of assets, or other document, instrument or
paper requiring such certification.




 









 








FLORIDA FEDERAL FAMILY EDUCATION LOAN PROGRAM

ADDENDUM TO LENDING INSTITUTION PARTICIPATION AGREEMENT




INDEMNIFICATION AGREEMENT



The  *(see below) , hereinafter referred
to as the “Lender”, and the Florida Department of education, hereinafter referred to as the
Department, agree the Lending Institution Participation Agreement between the Lender and the
Department is amended as follows:





	  1.  	When a document to be included in a claim package submitted by the Lender to the Department
is lost or destroyed, the Lender agrees to submit in the claim package, in lieu of the
required document, the substituted documentation prescribed below:






	 	a.  	Borrower’s Application. An affidavit describing the circumstances that
resulted in the loss or destruction of the borrower’s application.
	 
	 	b.  	Original promissory note signed by the borrower. A certified copy of the
original promissory note signed by the borrower and an affidavit describing the
circumstances that resulted in the loss or destruction of the original promissory note.
If neither the original nor a certified copy of the original promissory note signed by
the borrower can be provided, the Lender shall also include in the claim package, in
addition to the affidavit, copies of the front and back of the loan disbursement
check(s).
	 
	 	c.  	Copy of the Notice of Loan Guarantee or Notice of Loss Statement and Disclosure
Statement. An affidavit describing the circumstances that resulted in the loss or
destruction of the Notice of Loan Guarantee or Notice of Loan and Guarantee and
Disclosure Statement.
	 
	 	d.  	Copy of Repayment Schedule and Disclosure Statement. A record, in a format
approved by the Department, of the repayment terms as they were disclosed to the
borrower.
	 
	 	e.  	Copy of a deferment form. A record of the deferment granted, in a format
approved by the Department and an affidavit describing the circumstances that resulted
in the loss or destruction of the deferment form.
	 
	 	f.  	Copy of the borrower signed forbearance form. A record of the forbearance
granted, in a format approved by the Department and an affidavit describing the
circumstances that resulted in the loss or destruction of the forbearance form.











	* The Bank of New York, solely in its
capacity as eligible lender trustee (Lender #833872) for Student Loan
Consolidation Center Student Loan Trust – I (“Lender”) and
without recourse to assets held by the eligible lender trustee other than those
held in trust.




 









 











	2.  	The Lender, its successors and assignees shall hold the Department harmless from any losses
directly resulting from claims paid pursuant to paragraph one (1) of this agreement where the
underlying loan is declared invalid by a court of law or not reinsured by the United States
Department of Education because of the lack of the required document.






	3.  	For circumstances to which paragraph two (2) may apply, the Department will notify the
Lender in writing and permit the Lender to enter an appearance or take the appropriate action
to establish the validity of the debt. Upon receiving such notice the Lender will have ten
days to enter an appearance or take other action. In event the Lender does not respond to
the notice within ten days, the Department shall presume that the Lender does not intend to
enter an appearance and shall be entitled to indemnification as provided in paragraph two
(2).






	4.  	The Lender agrees that the affidavit submitted in lieu of a required document pursuant to
paragraph one (1) of this agreement shall be substantially similar to Attachment A. The
affidavit shall be signed by an authorized official of the Lender or its agent.






	5.  	Provided the Lender complies with the provisions of paragraphs one (1) through four (4) of
this agreement, the Department agrees to waive the requirement specified in 6A-10.109 of the
Florida Administrative Code for each document that the Lender cannot submit.






	6.  	This waiver is limited to situations where the Lender affirms by affidavit that a diligent
search has been made to locate the document(s) and that if the Lender subsequently finds the
document, it will be promptly forwarded to the Department.






	7.  	The Lender and the Department agree that this waiver will not be applicable in situations
where the Department determines that the loss or destruction of the required document is the
result of negligence by the Lender or a failure of the Lender to perform reasonable diligence
in maintaining the required document.






	8.  	This agreement may be terminated by the Lender by providing written notice to the
Department thirty (30) days in advance of the termination date. The termination of this
agreement by the Lender shall not affect claims paid pursuant to paragraph one (1) of the
agreement prior to such termination. This agreement may be terminated by the Department by
providing a written notice to the Lender that specifies the effective date of the
termination. The termination of this agreement by the Department shall not affect claims
paid pursuant to paragraph one (1) of this agreement prior to the date the Department issues
such a termination notice.





     For the Lender




     As an officer of this institution, I agree that this institution and its representatives will
comply with the conditions specified in this agreement.



 









 





     The Bank of New York as eligible lender trustee for Student Loan Consolidation Center Student
Loan Trust - I.



	 	 	 
	/s/ Tricia Heintz
	 	2/15/02
	

	 	

	Signature of Official
	 	Date






	 	 	 
	Agent
	 	 
	
	 	 
	Typed Name of Official
	 	 






     For the Department



	 	 	 
	/s/ Judith Branch

	 	3/8/02
	

	 	


	Judith W. Branch, Director
	 	Date
	Policy, Training and Compliance	 	 
	Office of Student Financial Assistance	 	 
	Florida Department of Education	 	 






 









 










Attachment A




AFFIDAVIT OF LOST OR DESTROYED DOCUMENTS




	 	 	 	 	 	 	 
	LENDER

	 	

	 	LENDER CODE
	 	


	BORROWER

	 	

	 	SOC. SEC. NO.
	 	








I hereby represent and certify that the document(s) indicated below that is/are
required by the Florida Department of Education to be included in a claim
submitted to the Department pursuant to Rule 6A-20.109 of the Florida
Administration Code has/have been lost or destroyed in the circumstances
described below:




	 
	CIRCUMSTANCES OF LOSS OR DESTRUCTION:

	


	


	


	








	 	 	 	 	 	 	 	 	 	 	 	 	 
	

	 	MISSING DOCUMENT(S):
	 	LOAN NUMBER(S):	 	 	 	 	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	___

	 	Copy of borrower’s application
	 	

	 	

	 	
	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	___

	 	Notice of Guarantee and Disclosure
Statement(Notice of Guarantee/ Insurance
Commitment Card)
	 	

	 	

	 	
	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	___

	 	Original Promissory Note
	 	

	 	

	 	
	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	__________	 	Deferment form for a ______________________ deferment granted
to defer interest from __/__/__ to __/__/__ and monthly payments
from __/__/__ to __/__/__. A total of $________________ in
accrued interest has been capitalized. I hereby certify that
the borrower did in fact request this deferment and that this
deferment was granted in compliance with all applicable
provisions of the Higher Education Act of 1965, as amended and
the Code of Federal Regulations.	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	________	 	Forbearance form for forbearance granted to forbear interest
from __/__/__ to __/__/__ and monthly payments from __/__/__ to
__/__/__. A total of $________________ in accrued interest was
capitalized. I hereby certify that the borrower did in fact
sign a forbearance form agreeing to the terms of this
forbearance and that this forbearance was granted in compliance
with all applicable provisions of the Higher Education Act of
1965, as amended and the Code of Federal Regulations.	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	I hereby certify that a diligent search has been made to locate the missing
document(s), identified above, and that its/their loss or destruction is not a
result of this institution’s negligence or its failure to perform reasonable
diligence in maintaining the document(s). If the document(s) is/are subsequently
found, it/they will be forwarded to you.	 	 	 	 
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	
	 	

	Name of Authorized Official	 	Title of Official
	 
	 	 	 	 	 	 	 	 	 	 	 	 
	
	 	

	Signature of Authorized Official	 	Date





















 






FLORIDA DEPARTMENT OF EDUCATION

OFFICE OF STUDENT FINANCIAL ASSISTANCE




LENDER OF LAST RESORT AGREEMENT



This agreement is set forth for lenders serving as a “Lender of Last Resort” in the Florida
Stafford Loan Program.




Section A. The Parties




The parties to this agreement are the Bureau of Student Financial Assistance, Florida
Department of Education, hereinafter referred to as the Department Florida Education Center,
Tallahassee, Florida 32399 and *(see below) , hereinafter called the Lender.



Section B. Term




The effective date of this agreement shall be                                          and shall remain unless
terminated by either party upon ninety days written notice sent by certified United States
mail, return receipt required.



Section C. Purpose and Provisions




The Department shall designate the Lender as the “Lender of Last Resort” pursuant to the
Higher Education Act of 1965 (the “Act”) (Public Law 99.498, Sec. 428(j)).



The Lender agrees to make Florida Stafford Loans to students who:





	 	a.  	Are attending educational institutions participating in the Florida
Guaranteed Student Loan Program; and
	 
	 	b.  	Qualify for federal interest subsidies for loans in an amount for not
less than $200 nor an amount which exceeds the annual federal limit or the need of
the borrower, as determined by the educational institution that the borrower is
attending; and
	 
	 	c.  	Are otherwise unable to obtain a loan from two other lenders
participating in the Florida Stafford Loan Program and have been referred to the
Lender by the Department.




In witness whereof, the parties hereto have signed this agreement on the days set forth below. *
(see below)




	 	 	 
	
	 	Florida Department of Education
	

	 	Office of Student Financial Assistance
	Lender Name	 	 
	/s/ Tricia Heintz
	 	/s/ Judith W. Branch
	

	 	

	Signature of Authorized Official
	 	Signature of Department of Official
	TRICIA HEINTZ
	 	Judith W. Branch, Director
	

	 	

	Typed Name of Authorized Official
	 	Office of Policy, Training and Compliance
	AGENT
	 	Director
	

	 	

	Title of Official
	 	Title of Official
	2/15/02
	 	3/8/02
	

	 	

	Date
	 	Date
	833872	 	 
	
	 	 
	Lender Code Number	 	 





* The Bank of New York, solely in its capacity as eligible lender trustee (Lender #833872) for
Student Loan Consolidation Center Student Loan Trust - I (“Lender”) and without recourse to assets
held by the eligible lender trustee other than those held in trust.





 









 








FLORIDA FEDERAL FAMILY EDUCATION LOAN PROGRAM

LENDER PARTICIPATION AGREEMENT




FEDERAL CONSOLIDATION LOANS



WHEREAS, The Bank of New York, solely in its capacity as eligible lender trustee (Lender #833872)
for Student Loan Consolidation Center Student Loan Trust - I (“Lender”) and without recourse to
assets held by the eligible lender trustee other than those in trust, hereinafter referred to as
the “Lender,” wishes to participate in a program of Federal Consolidation Loans for eligible
borrowers under Title IV, Part B, of the Higher Education Act of 1965, as amended, and



WHEREAS, the Florida Department of Education, Office of Student Financial Assistance, hereinafter
referred to as the “Department,” having found that the eligible lender qualifies under the
provisions of such Act and State Board of Education Rules.



THEREFORE, it is agreed by the Department and the Lender as follows:





	(1)  	The Lender is currently an eligible lender and/or holder with the United States Department of
Education for Federal Stafford Loans (formerly called Guaranteed Student Loans) and/or Federal
PLUS loans, and Federal Supplemental Loans for Students.






	(2)  	Within such limits as may be set by it, the Department shall insure all Federal Consolidation
Loans made by the eligible lender which are eligible for such reinsurance under such Acts and
Regulations issued thereunder, which Acts and Regulations, as they may from time to time be
amended, are made a part of this agreement.






	(3)  	An eligible lender must verify that an eligible borrower has no other application pending for
a Federal Consolidation Loan and the lender must hold at least one of a borrower’s eligible
loans for consolidation, or obtain a certificate that the borrower has been unable to obtain a
consolidation loan with income-sensitive repayment terms from the holder(s) of his/her
outstanding loans selected for consolidation. At least one loan to be consolidated must be a
loan guaranteed by the Department.






	(4)  	The Lender must meet the applicable guidelines set forth in the Higher Education Act of 1965,
as amended.






	(5)  	The proceeds of the Federal Consolidation Loan will be paid by the eligible lender to the
holder(s) of the loans selected for consolidation to discharge the liability of such loans.






	(6)  	The Lender agrees to follow such other published terms and conditions as the Secretary of
Education and the Department specifically require to carry out the Federal Consolidation Loan
Program.






	(7)  	If the eligible lender no longer intends to make Federal Consolidation Loans under this
agreement, the agreement shall be terminated sixty (60) days after receipt of the request.
This agreement may also be terminated by the Department in a manner provided by law. The
termination of this agreement shall not affect the coverage of loans under guarantee issued
prior to such termination.




 









 










IN WITNESS THEREOF, The Florida Department of Education, Office of Student Financial Assistance has
executed this agreement in Tallahassee, Florida.




	 	 	 
	/s/ Judith Branch
	 	3/8/02
	

	 	

	Judith W. Branch, Director
	 	Date
	Policy, Training and Compliance	 	 
	Florida Department of Education	 	 
	Office of Student Financial Assistance	 	 





The above agreement accepted this  8th  day of March, 2002.



Exact Corporate Title:




	 	 	 
	Name

	 	The Bank of New York as eligible lender trustee for Student Loan
	

	 	Consolidation Center Student Loan
Trust - I
	 
	 	 
	Address:

	 	10161 Centurion Parkway
	 
	 	Jacksonville, FL 32256
	 
	Federal El No. 
	 	13-5160382










DE Federal Vender No. (Lender Code)       833872



	 	 	 
	Name and Title of Officer

	 	Tricia Heintz, Agent
	 
	 	 
	Signature of Officer

	 	Tricia Heintz







Page 1 of 2









 






CERTIFICATE OF COMPREHENSIVE INSURANCE




For Federal Consolidation Loans made in accordance with Title IV,

Part B of the Higher Education Act of 1965, as amended



The Florida Department of Education, Office of Student Financial Assistance, hereinafter referred
to as the “Department”, authorizes that all consolidation loans made in conformity with the
requirements of Part B of Title IV of the Higher Education Act of 1965, is amended, by 
*(see below)  hereinafter referred to as the “Lender,” are fully insured against loss of
principal and interest by the Department provided:





	 	1.  	The lender has determined to its satisfaction, in accordance with reasonable
and prudent business practices, for each loan being consolidated that:






	 	(a)  	the loan is a legal, valid, and binding obligation of the
borrower;
	 
	 	(b)  	each such loan was made and serviced in compliance with
applicable laws including federal regulations and State Board Rule; and
	 
	 	(c)  	the insurance on each Part B loan is in full force and effect.






	 	2.  	That the consolidation loan(s) will be made on or after                      but no
later than provided for in the Higher Education Act of 1965, as amended.
	 
	 	3.  	That the total unpaid principal amount of all consolidation loans made under
this certificate is equal to or not to exceed                                         .
	 
	 	4.  	That this certificate will be updated and renewed as determined by the lender.
	 
	 	5.  	That the lender will meet reporting requirements established by the Department
in a timely manner.
	 
	 	6.  	That the lender structures a repayment schedule with the eligible borrower
pursuant to the requirements stated in the Higher Education Act of 1965, as amended
regarding Federal Consolidation Loans.
	 
	 	7.  	That, if the lender, prior to the expiration of this certificate no longer
wishes to make Federal Consolidation Loans, the lender will so notify the Department in
order that the certificate may be terminated. Such termination shall not affect the
insurance on any Federal Consolidation loan made prior to such termination.




 









 










*The Bank of New York, solely in its capacity as eligible lender trustee (Lender #83382) for
Student Loan Consolidation Center Student Loan Trust — I (“Lender”) and without recourse to assets
held by the eligible lender trustee other than those held in trust.





	 	8.  	The lender’s Federal Consolidation Loan Program practices are subject to the
Department’s Federal Family Education Loan Program lender Participation, Limitation,
Suspension or Termination procedures. The insurance on any Federal Consolidation
loan(s) made under this certificate prior to the Department’s imposition of a
limitation, suspension or termination action shall not be affected by such action.




The Florida Department of Education, Office of Student Financial Assistance, is designated as the
offices which will process claims and perform other related administrative functions.



IN WITNESS THEREOF, The Florida Department of Education, Office of Student Financial Assistance has
executed this agreement in Tallahassee, Florida.




	 	 	 
	/s/ Judith Branch

	 	3/8/02
	


	 	

	Judith W. Branch, Director

Policy, Training and Compliance

Office of Student Financial Assistance

Florida Department of Education

	 	Date






The above agreement accepted this  8th  day of March 2002.




Exact Corporate Title:




	 	 	 
	Name

	 	The Bank of New York as eligible lender trustee for Student Loan
Consolidation Center Student Loan Trust — I
	 
	 	 
	Address:

	 	10161 Centurion Parkway
	

	 	Jacksonville, FL 32256
	 
	 	 
	Federal El No.

	 	13-5160382






	 	 	 	 	 
	DE Federal Vender No. (Lender Code)

	 	 	833872	 






	 	 	 
	Name and Title of Officer

	 	Tricia Heintz, Agent
	 
	 	 
	Signature of Officer

	 	Tricia Heintz







 









 









FLORIDA BUREAU OF STUDENT FINANCIAL ASSISTANCE

LENDING INSTITUTION DEMOGRAPHIC DATA SHEET







	 	 	 	 	 
	NAME OF LENDING INSTITUTION
	 	USDE LENDER CODE
	 
	 	 	 	 
	The Bank of New York as eligible lender	 	833872
	trustee for Student Loan Consolidation	 	

	Center Student Loan	 	 
	Trust – 1	 	 
	

	 	 	 	IRS EMPLOYEE ID NUMBER
	 
	 	 	 	 
	

	 	 	 	13-5160382
	

	 	 	 	

	 
	 	 	 	 
	LENDER ADDRESS
	 	INSTITUTION TYPE
	 
	 	 	 	 
	10161 Centurion Parkway	 	1.  Florida Bank
	
	 	2.  Florida Savings and Loan
	Jacksonville, FL 32256	 	3.  Florida Credit Union
	
	 	4.  Out of State Commercial
	
	 	5. School Lender
	Lender E-Mail

	 	

	 	6.  Secondary Market
	
	 	7.  Other
	BNY STUDENT LOAN@BANK OF NY.COM	 	8.  Servicer
	
	 	 
	
	 	 






	 	 	 	 	 	 	 
	CEO INFORMATION
	 	  LOAN PROGRAM CONTACT

	 
	 	 	 	 	 	 
	Name:

	 	TOZOY KILPATRICK
	 	Name:
	 	 
	

	 	
	 	 	 	

	Title:

	 	DEPUTY DIRECTOR
	 	Title:
	 	 
	

	 	
	 	 	 	

	Telephone:

	 	904/645-1960
	 	Telephone:
	 	 
	

	 	
	 	 	 	

	Fax:

	 	901/645-1931
	 	Fax:
	 	 
	

	 	
	 	 	 	

	E-Mail

	 	 
	 	E-Mail
	 	 
	

	 	
	 	 	 	







	 	 	 	 	 	 	 
	SERVICE
	 	SERVICE CONTACT

	 
	 	 	 	 	 	 
	Name:

	 	INTUITION/NALNET
	 	Name:
	 	 
	

	 	
	 	 	 	

	Servicer Code:

	 	 
	 	Title:
	 	 
	

	 	
	 	 	 	

	Title:

	 	 
	 	Telephone:
	 	 
	

	 	
	 	 	 	

	Telephone:

	 	 
	 	Fax:
	 	 
	

	 	
	 	 	 	

	Fax:

	 	 
	 	E-Mail
	 	 
	

	 	
	 	 	 	

	E-Mail

	 	 	 	 	 	 
	

	 	
	 	 	 	 






	 	 	 	 	 
	LOAN TYPES OFFERED

	 
	 	 	 	 
	

	 	ý STAFFORD SUBSIDIZED
	 	ý STAFFORD UNSUBSIDIZED
	

	 	ý PLUS
	 	ý CONSOLIDATION






	 	 	 
	IMPORTANT:

	 	Please indicate the name AND address you wish to appear on address labels for
	

	 	all labels for ALL mailouts to your institution or servicer.






	 	 	 	 	 
	

	 	Name:
	 	TRICIA HEINTZ
	

	 	 	 	

	

	 	Address:
	 	10161 CENTURION PARKWAY
	

	 	 	 	

	

	 	 	 	JACKSONVILLE, FL 32256
	

	 	 	 	

	

	 	 	 	









 









 






LENDER DEMOGRAPHIC SHEET

PAGE TWO







	 	 	 	 	 	 	 	 	 
	INSIDE CONTACT 
	 	 	 	RECORD MAINTENANCE CONTACT

	 
	 	 	 	 	 	 	 	 
	Name:

	 	

	 	 	 	Name:
	 	

	Title:

	 	

	 	 	 	Title:
	 	

	Telephone:

	 	

	 	 	 	Telephone:
	 	

	Fax:

	 	

	 	 	 	Fax:
	 	

	E-Mail

	 	

	 	 	 	E-Mail
	 	

	 
	 	 	 	 	 	 	 	 
	RECORD MAINTENANCE
	 	 	 	 	 	 
	PAYMENT POSTING CONTACT
	 	 	 	CLAIMS/PRECLAIMS

	 
	 	 	 	 	 	 	 	 
	Name:

	 	

	 	 	 	Name:
	 	

	Title:

	 	

	 	 	 	Title:
	 	

	Telephone:

	 	

	 	 	 	Telephone:
	 	

	Fax:

	 	

	 	 	 	Fax:
	 	

	E-Mail

	 	

	 	 	 	E-Mail
	 	

	 
	 	 	 	 	 	 	 	 
	BORROWER’S CLAIM/PRECLAIM
	 	 	 	 	 	 
	INFORMATION CONTACT
	 	 	 	SYSTEMS CONTACT

	 
	 	 	 	 	 	 	 	 
	Name:

	 	

	 	 	 	Name:
	 	

	Title:

	 	

	 	 	 	Title:
	 	

	Telephone:

	 	

	 	 	 	Telephone:
	 	

	Fax:

	 	

	 	 	 	Fax:
	 	

	E-Mail

	 	

	 	 	 	E-Mail
	 	







	 	 	 	 	 
	

	 	AUTOMATED METHOD TO TRANSMIT
	 	REPORT METHOD PREFERRED
	

	 	LOAN
INFORMATION

	 	FOR REJECTED APPLICATIONS
	

	 	 TAPE (BATCH)
	 	      ON-LINE
	

	 	 ELECTRONIC
	 	      PAPER
	

	 	 	 	      TRANSMISSION (BATCH)






	 	 	 
	DO YOU WISH TO PARTICIPATE IN

	 	PLEASE INDICATE WHETHER YOU WOULD LIKE 
	THE ACCELERATED APPLICATION PROCESS

	 	THIS INFORMATION TO BE INCLUDED ON OUR 
	PREAPPROVED LENDER)

	 	LOAN ORIGINATIONS DOCUMENT
	

	 	This document is mailed to our participating schools to
	

	 	inform them about our participating originating lenders.
	

	 	 
	      YES

	 	           YES
	      NO

	 	           NO
	IF YOU WISH TO BE INCLUDED ON OUR LOAN ORIGINATORS

	DOCUMENT PLEASE GIVE ADDRESS/PHONE TO BE PUBLISHED







	 	 	 	 	 
	 

	 	Name

Address
	 	





	

	 	Customer Service/	 	 
	

	 	     Telephone:
	 	

	

	 	E-Mail:
	 	

	

	 	 
	 	 
	Form Submitted by:
	 	Date: