Page 1 of 1 

[)oQiS,gn E nv1tlope 10 

Autltt1ri:.£d Company to Jh,hit ,,jc·,·m11tl: Com(')any Name: \m..rkn ~'inaacial 8tnrfrt• Ct11ltr 

Accounr Holder's lnfonnation: 

Acwunt 1111/der'., Bunlt. lnf,1rmation: 

Pu_rment lnfi,rmati,m 

Dra/i Date 

Draft Anw1m1 $ 

.·hllhori;JJtim,: 

04/30/ 14 

95.00 

OS/30/14 

HOO 

,\crnunt Hol!kr·~ Name: 

Billing Street Address: 

('i1y. Stale. Zip: 

Bank Name: 

RDuting Number (9 Digits) 

,.\ccounr Nurnbcr: 

- -· .......................... _, ____ , ...... .. 

Chcd:ing or Savings: x Checking Sa\ings 

Tmal Amount: S 1295 .00 

t,#1 Dru.ft #3 Drafl#5 DraftiM 

06 30/14 I 01;30;14 08/30/ 14 ...... _ __ ... r· .... ........ _ .... _____ -

S30 . BOO BOO 

' ·-'------- ~-- --- "-------------" 

I hereby authorize American Fmancial lkncfits Ccntc to Debit the Bank Account rcforcnl'Cd herein. via an Aulomarcd 

Clearing House system. acc(1rding 10 the parnmclcrs s ~ificd herein for my Financ1a1 Education Platmum Member 

Benefits Program & Amcricm1 Financial Benefits Cc er Financial Succcs.~ KtL This authnnly will remain in cffc,:t until 

the payment is completed as SJ')l'C1fied herein. If a pa mc111 is returned for any reason I acknowledge that I am suhjcct t<l a 

rcJedcd i1cm foe of S20 or the maxunum amount allo 'Cd hy law in addition to any charges llladc by my bank. 

4/23/2014 

Date 

0 *Pfr11<if' r..,,,,,, a <'PP.I oft/tu dr>,·•11un111., your rruipl ,,fpur,:h,u;*** 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 1 of 25 

Complaint Exhibit H-1
Page 1 of 1 

DocuS,g11 Envelope 10 

Amt!'rican Fi11andal Benefit.-. Center Dot·ume t Preparation u11d S,n•ic·e Axrument Program Enrollment 

Elec.1ronk Fund ... Transfer (EFT) Authuri:.,ation 

A11thori;rd 01,npuny r,, Debit .-kcounr: 

A,:,·,1unt Holdl!r's ln/11rmatfon: 

. .f,w1unt Holdl!r'l Bank /nj,1r111111i,m: 

ra_rment Information 

Draft !><itc / 09/30/ 14 

Accoum •lolder·s 

Name: 

Billing Strccl Address: 

City. State. Zip: 

Bank Nam.:: 

Routing "lumhcr 

(9 Digits): 

,\ci.:ount \lumber: 

Checking or Savings: 

'l'otal Amount: 

10/30/ 14 

-

. .,~ ...... ··-·~· . 

---- ··-·---

x C:..-hci.:king 

~------··-... ----S,1vings 

-

S 600 

11/30/ 14 f-------- - - -~--+-+------ - ---- -,.- - -- ------- l>rctft :lmmmf 1 $150 

--- \.· _ :c;J\;·~~T:/Nt• 

nso 1 11,0 1 

3::\:r-:/'ff.ifi!J·:;;J/{{t5:):.• ·-\\-:.--:1,?ifiijirJJ;t1tJ{;:};::fJ 

Omit /)ate i 12/30/ 14 ~ - --- - --- - - - - ----- - ----- +-- - --- --· -- --· /)rnfJ Amowll L ___s1_s_o _ ___ _ ___ 

I hereby autlll>rize American Fin.mcial Benefits Center ··AFBC'l todcbn the B;mk Account referenced herein. 

, ·ia an Automated ('tearing House I ACt-1) system. acco int: 10 the parnrnctc-rs spcc1licd hL·rdn for my American 

Fin:mcwl Benefits Center Student Loan l~·umcnl Pre . · ration and Scrvicc Agreement. If you have (,jUCsllon~ 

about your payment. please contai.:t AFBC at 1-li00-4X 1490. or] 11 Profo.~,-ional C1:ntcr Drive :?00. Rohm;n 

Park.CA 9,N:?R. l"his authority will n:main in dli.:ct u Iii the payment is ~·omplctcd as sr~-ci fic1l herein. If ;1 

payment is rcmmcd for any reason I adnowlcdgc dull I am suhjcct 10 a n:jccrcd item fee of $20 or the nia.1\imum 

amount allowed by low in addition to any charges mad by my bank. 

4/ 23/2014 

... Plr,nr ,.,.,•in 11 ,·opJ· 1,ftlti. IW<"Mlllt'tll ,u y11ur ,,.,·,ipt 11fpurd1a•I' ... 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 2 of 25 

Complaint Exhibit H-2
Page 1 of 1 

OocuSign E nv.,lope ID 

By my signaturl' below, I authorize and permit :\ml'ri · 11 finanl•ial Benefits Ccntcr tu initiate clcctmnic funds transfor ,·ia 

Automated Clearing House system tAUI) from my ac ount listc.'.d lk:low. for the Financial Education Platinum \.tembcr 

Bcnctits Program payment amount li~1ed below. 

, .. 

; /\ccount Holder's Full Name: 

' 

! Mailing Address: ~ -------~· . .... -

M~ilin~ Cily. ~t~_h:. _ 2:ip 

l - ·--·l 

l 

; Monthly Pa~1ncnt Due Amount: / $49. 70 :-···~------ ----------··------ ····-···---+----+--

; Name of Bank: 

. Bank Routing Number (9 digits): .......... ....... .... ···-···· ............... ... --.................... ··•·•···· 

Bank Account Num~r: 

; 

: First Monthly Drafl Date: 

'-··-·-··-·· 

• Monthly Drati Day: ·-·- -·--- --- --- - - -------- +-- ..L..------- - - - - --- ----- - - --j 

Term.,; o[Agre('mrnt: 

Amcritan Finan{·ial Benefits Ci:nter. locat1.-d .it 311 Pro c~sional Center Drive 100. Rohnert rark. CA 94•J2l!. is authorized to 

deduct a scheduled p,1ymcnt from Client's checking or .. vings account from the bank listed above. if necessary Am.:rkan 

t'ina.nc,al Benefits Center may make adjustments if i.'.IT rs have occurred during trnnsa,tion. In the event that Clicni·s 

drati ts n:tumed 11npa1d for uny reason. Client agrcl's lt pay all past due balam'.cs nnmcd1atcly. in addition to a S5.00 

admini~trati,·c fee. and 1hc current months payment am llmt. The date of the dr.:ift ,~ listed ,1b(lvc. ho\\cvcr iflhc dr.ift date 

falls on a \~cckcnd or hank holiday. the debit trani;.1ctio will take place on the next bu~incss day. This authority \\Ill 

remain in <:!Teel until American Financial Benefits Ccn er is nolificd by Client in writing hy either email to; 

pmbpi<mfbccntcr.com or by fax 10 707-897-JOOO at lea ·t 10 bui>incss days prior to the next scheduled drafi date See the 

attached notice of cancellation form for an explanation )f this right. For questions regarding your pa_ymem. you may alS<, 

contact us directly at 1-800-488- 1-IQ<l. No other fonns f c.111cellation by Client will be honored. This agreement may 

become void at the option of American Financial Bene ts Center at any-time. The reversal ~if fimds from a Client· s 

account th,11 wa~ llr..tftcd in e-rror cannot be made until s vcn business days from the draii date , The Client ae,rrccs to waive 

all nghts of rcvcrs:il or refusal of any payment on any ti ali that ,\mcrican Financial l·k11efns <:enter may make against the 

Client"~ hank account during the time Client is activdy ·nrollcd. ·1 he Client a!,,.'TCC'.'> with all of the pmvision~ anti 

conditions outlined herein. The Client further agrl'CS to hold American financial Benefit., Ccmcr, its din.~tors, 

cmplnyccs. officers. and its agents hannless from any mage:-. that may occur or ari~c from and within the cntircly of this 

agreement. American Financial Benefits Center will no be responsible for any fees your financial institution may assess 

should a dratl be returned !or insullicicnt funds. 

l:!y my signature below I acknowledge that I have rc.ld. mckrstand and agree to the tcnns of this document t11kd 

"Fimmcial hlu.:ution Platinum Member lkncfils Progr.· Rccuning ACH ,\uthmi1..iti1m Form." 

4/ 23/2014 

Date 

..... ,.,,, •. " rt."l11in a ,·01~•· 1ftlri~ ,lo,:u,,unt a., yo11r rn·,ipt• 0 

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--- - --- - - --- - ---- - --- ---- -

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 3 of 25 

Complaint Exhibit H-3
Page 1 of I 

OocuS,go Envelope ID: 

Records (oda: HDfRB-XfRB 

.. • GFB 

GENERALFORBEARAN EREQUEST 

William D. Ford Federal Dire t Loan Program 

C-.ffl t,I,. 18'S-0031 

ft'Po\;,f:"""IC 

bp 0,,lf: 12iJ1!;/()1~ 

WAANIIIG: Ariy ;,eriOl'l wi-.o kno.oo<Jf1 Mak~ a 

*111 be~ !O pell8~ wllld'I may OCIL<ll!l ftl\81. I 

&tatelrefll or =rop,-.abOn oo ~ fo<m 01 c,, any aC(()mpanying iJOOJmem 

,soomeot 01 OO(!I. tJl\der l'!\e U S Cmww Code and 20 ()SC. 1007 

SECTIOftl 1: IIORROMR IOENTIRCA noH 

Plem enle' Of ClllTTld ~ fullow,ng tn!ormaoon 

l!)Ched< 

SSN 

~ 

Te,e;J/loM Anemate 1 

E-n,a~ lv.ldte~ 10p!iQnaa; ------ ·-------~------

• I am Wll\r'q but unallie II> mare my wrr""1 OnC1 lOQn l),1~"'801$ c:u, 1ll a 

reiaced la = fJ1 tile lollo,,,,rg s.ius~= 1c~.1< oaeJ 

0 F t1a.10a1 llllflw!IM 

0 Change ,n ~:,ment 

D Me,J,~ ClfaJIT\Stan~ 

OO\he<1a,p1~, 

Incl o0w infomlllion In s.ttiQM l, 4, and 5. 

-· ----·, ,· ..•. --~ .. .. .. . .. ----.. --..... -·.---~·-----···-- .,, ... ,. . -- . ------ -----------·-·. -~·,~-- ....--.•......•.... ' -. ·- _, . . ·----- ., ..... . 

• ll1N1 ~ ~ 11 approwd, I Mftl to id'«ll O"lel 

eg T@mJJ{)fllffy stop ~'"'I payO'EfltS O! 

0 T,r-,,porarty rr,al,;! ~ plifmenl~ of S _____ :,e,- monu, 

• If 1'1,5 ibltearance ,eq,~ 15 ~ 19"1 req1Je5tnil ltial lhf! US Oeparl tol Educ.itlO" iEO. granl .i bt>eararv:e oo my ,o;,li{,1 t:.19,nning ,MM-00-\'VY".1 

· 0

4

fr!l/FlOl~!. JL .. )L. .... ; 1 __ .J ,. __ ji!"(jen:f<'J9iMM-OO-YY Y;l.~~(;i~~_9!11 __ _;-i_ __ ,, _____ I! . •... ,• ......... ! roraper,:,ar-01t0e1~:2mornh$ 

• I ~nd Iha! !he tol!omng 18t.,• IM'lil -ondruons A!llll1· ta 1hcs forbo.aranoe 

If) !:D "'111 0ol gram 1M lornearanai 'E!<lues: unle51, tr,,s 1cm, ~ clll'll)leted an .t.s)· req;.,,ed supp,;Y11ng oocul'lentatr.,," ;:ms-.Jed 

(2) ED mar Q1M1 a lorbea<anre o,, "'~ loan:s <,:,, up to 00 dilvs. ii flere96a')'. &e rol!eCl,on and proce5&'09 of doc,,,rne,,ta,1on relater! ;o rry !crneatacxe ~uesl ED'""' r-.::~ 

~Ille .oierest Vlal accrues dunnQ t!!e$ >lltlearance. 

(3) HI am past due on p;l)ffle'l!S '10t c0\'8<td II)· !his ~<8hC8. ED 'MY . 

pn,c:eued, and all "'Wd ,,_ ~ tie ,ap~ized 

14) A! lt,e e<1d o! 4flt' fo!be~~. I fl\'!)' apply 10 rene,r ll1t! foo>earar,ce ~l am nn e•~o,,g ~ fnarn:ial hanls/11p 

($) , ""' ~ IO recet11e bllff>g sta~ rm my =t!flt payfl>Mlt amount. 1et, I mus; pay ufl!II I am n(lllji~ b) mr ser..cer !11,1! ""! folt!olaraoce 'llquest tia, been gran!ed 

(t) °"<l<J IOO toctc!lar;i,n,:;e I:xmoo. i an· IY.A ,equlrlld Ill make ca)'mlllllS o! !();Ill nc:p.al al1d fil8rest bUI 11'.lef~ w,u ~ ,r,a,gec /Y1 al of <!l'/ !Oans 

(7t II I '1!q"8!1le<! to 1emporio,fj' slop ,,..,.,r,; payments. I w~ ,ec,iiY,! Ill' "111lr noba! and; may Pil) Ille inte<esl al any llm@ ~ I 00 r()j Fa1 lhe -t lhal ~UUIIS 00 "'l 

iwnl~i 11 .. 111 tie Glll)1a1Qed at 1hll end of~~ perod 

ii) H I ,cqueSlelj lo lemporarry mal<e S/TJillloef ;ia-yments, I will recaive a 1'1-00trll ooioe fer the requested pa)'!lffl: an'l:)lml U!'lil the fortlear~ end$ aroa aITy 1JOpa1:l mwe~ 

:•.a1 na, actruad du11ng ti-e pe,-,oc! wit II&~ al Ille end ol lhe fo1 ;inc. ~<Jd 

a I certlly lhill 

l1) n,. Imorma11¢n I ~a'o'I! ~,lded m lt>ts lw!> il !rue ar>l o;:tl'llC1 

m 1 ~'>Ii p,wlde at'TJ' addlliooal docim'efl~oon lo EO as fflQU11eo:. io SuWOrt m continued l:r.iearame status 

(31 i IA'ii r.:l!ify ED ffl~l!ldial&ly ~lien t!le OOM.1Klr" ltla! qlkUfioo ~ lot fl!l lot aJal"a> •}()Ql 

(41 I agree Ill rl!(l<ly my loar,i s) •=ding IO lilt i..ms o! niy prnm,S',l)ry ~. ga/dlMs c>l ~lw lhi lil~,e.a,-dnce :<, gran!@d 

• I •ulhonn the eri~:-, IO ~"-Ch! 51.!blTill lll>s n!Qliest Ii• , ~ schOOI Ille l!!t'Oer. gu~ranly llll'1"C\' ED ~ ltie<r ra!lll@C1I"" ar,ie,,ts anrt =~, l<l ,onlac:! rre r!!'\)afd111g "'< 

requesl or my loar~,i. "<:lim19 '~"1!'ln! <:I my ioanis1. al lhe nuntier thal I pr l'lde on l1'ts loon IJf v,y Mure n\HT1t,e,-ll1a1. I ;>1CNi6e rt, m1 reilui.< telept>one Of olher "~s., 

de- uscng auklmali!O .,_,.. 111")\jiplOO(ll or artlociat or ;lferecordecl 'rOCll or te mi,~ 

BORROWER'S Oft EHOORSER'S SIGNATURE: DAT£: 4/B/2014 

P1911 f of2 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 4 of 25 

Complaint Exhibit H-4
Pagel of 1 

DocuS,gn Em,F!lope ID 

@e In et 

Release of Authorization Form 

if<1.i~ ~ :; ~tl,j ~- ~ , ,.,. , ~ \ 

• '·'-l~•:.~: 

Name: Account Number*: .•. N/ A····· ··---····· -- ····-.. _ ............. _, ...... .. Addres 

City, State ZIP 

Phone number, 

Alternate phone number: ·-···-------··--- ·-·--··" ····· __ 

E-mail address: .... _ "' __ --.. ··----.. ·------·----·--- ...•. 

'lfYoudonothave'.,'Our-ur. 

Social Security Number: .•• .. 

Thank you for your recent request to release your stu nt loan account information to a third party. In order for Nelnet to 

release account information. we must receive your tten permission to do so. Please complete the information below 

and ma,1 or fax to, 

Nelnet 

P.O. Box 82561 

Lincoln, ME 68501·2~61 

fax: 1.877.402.!°>816 

Completell lorms may also be scanned and sent via mail to nelnetcustomersolutions@nelnet.net 

Rel st of Authorization 

I authorize Nelnet lo release any information rel ted to my student loan account lo 

Meri can Financial Benefits Center. Inc. 

Individual or a ency name (please p,inl) 

I understand that I may. at any time. withdraw his directive as long as I do so io wrihng. 

00 I expressly authorize Heine! and its represen lives and related companies to conlact me about my account 

at any phone number associated with me. inclu ing cellular and wireless phones, and lo contacr me using 

automatic dialmg systems , artificial or prerecor ed messages. text messages. or e-mail. 

4/ 23/1014 

Date 

... ~-,-~,_ _ __..,_ .. ......_. _______ ~---·-.;.-·----·--------....,__--

If you need additional mlormation or wish to explore !net's many educalron plannmg and financing resources. please 

visrt our Web site at www.nelnet.com or call us toll-fr at 1.888.486.4722. We're here to help you reach your goals. 

Sincerely. 

Nelnet 

00000 PO So, 8? 61 lmcotn, Nf 6RS01 p I 888 -18!i.4 m t l.81140? o8l6 nww.nrlnct c<)m 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 5 of 25 

Complaint Exhibit H-5
Page 1 of 1 

Docu5,gn Envelope ID: 

f eclloan~ AUTHORIZATION FOR REL 

=====- 16£1<\I I CtlofG 

E OF INFORMATION R@U')r(JS Cooo. Bf10Q - :XBCR 

Form Code FD - TPRM 

Version Date 03,'0fll0 

PERM 

Complete this applicahon and return II to Fedloan Servi ng to allow the person(s) stated below to have access to all data 

contained in your Fedloan SefVicmg-adminislered loan r cord ror the purposes of assisting you in resolving Fedloan 

Servicing related issues. 

SECTION 1: BORROWER IDENTIFICATION 

Name .. •.. ···--··· _, ................ __ ·-··-···-·-----··--·--·· ... ........ ·-·-··-· ............ . 

SECTION 2: THIRD PARTY IDENTIFICATION 

PARTY 1: 

SS#' 

Account Number 

Name American Financial Benefits Center, Inc. Non- Relat.ive Relationship ____________ ____ _ 

311 Professional Center Drive . site 200 Street Address _________________ +-----------·--·-- ----- --- ---

C Rohnert Park 

J!y ··--·--··-·-·· -· ··- - -········· -·----· -··-··-·--·--·- ·--· State CA Zt Code 9492!1 

p "-·-·- ·---··-· .. ' -·----·--

Telephone ( soo ) _4_s_s_-1_4_9_o ________ _ 

PARTY 2: 

Name N/A 

--------------------+-- Relationship ___ ~---------- --~ 

St reel Address ......... ........ ·- ·-·-··············-· .. ·· --·- ·- .. --········ --····-···· 

City···-·-·---··-···--·····---·-·····-··-··-·· .. ···---··--··--------- .. ~ -- ---- ·--- ·---- ·--··-- -- State .. ... _ ...... - .. Z,p Code·------·- ·····--·--··-·--·--·-·· 

Telephone ( 

SECTION 3; BORROWER AUTHORIZATION J SIGNA URE 

I hellltly authofize FedLoan Se{v,c.,ng to n,ie,asa mlormaooo about y a,;;covn!. mcluding pen;onally <denhfymg ,nlorrnaoon """ my ,elHtionship witn 

Fedloa11 SeNietng 10 the ond1Vlduat(s) listed above. t unoostano and !tiat by au1~ing Fedloan Se,v,cmg to release any and all ,nformation to 

th() .nct1111dual(s) named and listed above, I assume r1111 responstb< fOf lhe named lfldi\lldual(s) h.av1ng 3C<:ess to any infO<mal10n ma,maineo by 

F edLoan Serv,c,ng rolallng to me It Is my ruponsit)jltty and not at of Fedloan s.tviclng to l'ftOl!e m1 authorllltionjs) If at any time I no 

long« wish to •uthorin Fedloan Setviclng io ,,..__ infor about me lo the indMdual(a) deeigl\ated above. I acknow~ that lhls 

autltorintkm allow. 11w n..--d lndMduall•) to obtain any/all dat I infomu,tjon contained in my FedL°"" Servicing-.dmlnistered student akl 

,-cord. I horelly oxpressiy agree Iha! F odloan Seflo'I009 shan nol be espons,ble for any damages in any fom, so aris,n.g that t may incur related to my 

au!IKlfi~aoon{s) of Fedloan Servicing to releaS& inlorma!JOn to !he nxl ill1s) 1,s100 above. Ca.n~tion Ol th,s form also prowJes pe,m,ss,on to acC8l)1 

,nrormabon concerning chai,ges to my addr8$S and/or ~e 11u from the ,no,vlduai(s) l1sled abo•e nus .wtllonzaoon does 11<)1 apply lo lhli! 

re!eas.e of mto<rnat,on about me through Fedloan ~•cmg s webs1 and ontine fuoct,analrty This authoriution does not ..i .... me from my 

obHgatlon to make pa,-1& under my loan(a). 

Fedloan Servicmg • 

Return ompleted Form To: 

4/23/2014 

Date 

P.O. x 69184 • Hamsburg PA 17106-9H14 

Fa,c 717-720-1628 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 6 of 25 

Complaint Exhibit H-6
Page 1 of 1 

DocuS,gn Envelope 10: "\t__ t l·N. .... ~ .4-~~ 

~~ Cot1~ 

to ;tlJ dll!i! a.l"!"lliMnt~..-J in Yfl\• P+ If AA-adm-r~alr.n~ 

-l·"'ll Y°" '" ~,g l-'li!:.M·<l?lated ,_,!l 

Kv,1nt1, (du,:11110" Aw,!Jlanc" A.ge,._) 1P>if AA , 1<> ..tow .. u..,s, 

, Iman tf'N:<d: by ~ pe,!r.i-PO,'()(lfl\, !l:lllfOO hortm ,~ f~ pLJfl)os.,- or 

f . . . . . . ••• ••.•••,-•,~•- ,-~----... ·~------------·----~¥ -• , ___ M,M••-•-•• •-••...-M-,o ... , . , 

) Print NQmf. ut t~rr~ 

l ~·':~0<!'11 ll<"1~J<'f ~~'.:~=------·--- ---·-···--------·-··--·-·· ----- --- ·····- ... -·· _:~ ~ ~~~::=.-.:.: ___ _ 

, iu,•..oy ~un·,._,.-,ze :t;,., f',ei'ln$:,t,l81'4 Ho)hef blucatiOI' /lei; ~ alw r.onQl.JC!Jr19 noeral!C11£ .... ~ ~~ L~n ;,,;tv""'s 

, ·p,,,cM·, to ,"4c....., ;,,l,;i,m..t'-011 ;mo:~ ~,y ar,crAtr'lt, ~•'- r,,,,..,,.,...,, .....,,a.,..,,g "'"""""'"' -. rny rl'll;fb(Jt11il-.p """'' Pi lf:AJ\ 1,, 1ti., 

,rl(],vcu&!i,, t,l',!L,.,., I -~ta,"1 and agr~ Imo! tJ~ "'"""'1.t1"9 PHLV. ,,, ,.,.,_ any lit>:! (l,11 """"''•ll<Jt\ tu ltle ""1Mdv~1s, '"''ne<l aNl ltllda.-,, 1 .»wm,, Jul '"!lpe~•~il:ditf r,,. tt.., .,.,,,,...; 1,.,..,l<l,.,./1) wv """'"& '·" "''Y •l1t•mlltio!' l'tlmr1l""""1 ti')' PHI-M '"'"'""'J 1,; ""' It i. ,,.,., 

, .. pon11,bility iind t!Ot OMII of PHUA to .,.,,olca my .zalior,c5I If Ill a,,,, tl!M I r>o longer 'IWish to Mhome PHEAA to relNu 

ulfom••bon about 1M 10 IM in~•) ~!JNtH . l K~ that ttli• 11,,101<1<1:....., .,._ the MIINMI lndl',;l~C•I to 

Oobtatfl ,11.nylldl ~tic,,, corulnad in my Ptt£A -.,ed ~ a>d -d. I nt"lehy ":<p<es.t;ly llg~e !hat P!--!fAA """'n04 t"' 

rei,.p<On._.'bif!o fr.JI ~r,y d:am~r.:i ~1 i:tl·rp- 1urm !iu anlff'V f~ • rt y ,or,.u~ ,t'UltM k , ,~ a4_-l(hnn.1.1ttoo~:i,.) <l, PHf M 10 ,ot-!~3M- 1i:lf(lt"tl"t'1ti<.V1 tt'i the 

m:1,Y'>d>Ja:1$ ; i,~ bt!tOw G~,Jn ol lt1-s lom, ~ /Y p,emi,s"""' to sccept ~ ""'~ ~ In ""I lt"4re11s and,'O< 

l~i"f:.t"".,.. ,,un.,..,- h·,,.., !1~ 1'1<i,,!d,,ali$i '<ID~ ~ n,._ ~Ult«Jr,;a!l,~, rtoe, Ml ;rpply to U·,e t'l'll!,1M <>I infunn.itor, ilt;out "ll!' IIY<r-'l)!h 

PHEAA'~ -e(G> an;! °'*11! 11.onaionmily Thi9 ault1'llrit:atitllf1 don not ,._ IN ~ lr1)ffl ~ ~ lo mai.. 

pay.....,1'1 u_, ttM!or I~•~ 

American F. Benefits Ctr 

:~'IP-. i>nni i 

W.J, nb ,,--~---.-": 

3 1 1 Profess,ooal Center Drive 

Rohnert Park. CA 94928 

NIA Name _ _:__ __ . 

,-

! 0<0""''"" ,,i 0<,m:,w,,, ! 

{800) 488-1490 

4/13/2014 

i '------------"-------------+--------------·--··-·-·-------------·--··----- ,___,.,t 

Ret-um this co~~ed lorm to AESiPHEAA or se,,d lac&.m~e t~71 '7 ) 7:?0-3916 

Loim Se1V1cing 

PO Sox 2461 

Hamsburg, PA 1710 -2<161 

https:/ /www.docusign.net/Signing/Rasterizerlm ge.aspx?p=8&d=96&pid=07 63ae66-b 7 4 ... 11/14/2015 

-->----····-··--· . ---··-· ---- - --------------

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 7 of 25 

Complaint Exhibit H-7
OocuS'9fl Envelope 10 

·- --..... ~·-·.,.· .. 

I' . 0. 80II 'tSH 

WltJllS 11.l!tt ~A 1•11s-•io, 

Dear 

You've recently contacted us asking 1hat we rclc .·e information to an individual that is not listed (ln 

your account. In order to process this, we needy 1r written authorization. 

Keep in mind. because we must verify and docun cnt the party's relationship to you. the person must be 

able lo provide us with your name. your account umber or al least five sequential digits of your Social 

Security numhcr or other specific infom1ation reg rding the request thars consistent wit_h \vhaf s noted 

in the loan(s) history that heishc·is rcforchcing. In addition. the individual will ncc(l to prlwide lwo or the following items: 

• Your date of birth 

• Your tdcphonc number 

• Your home address 

• Your email address 

Hy completing and submitting the form below. yo 're authorizing us to release all infonnation regarding. 

your cducatiun loan account to another person or rganization via letters. internet or telcphom:. 

Please rctum your completed fonn 10 us by foxing it to 800-848-1949 or mailing it to the address listed 

above. 

You arc under no obligation to submit the fonn. It s important to note that although you may authorize 

us to rekase infonnation to others. the obligation t repay the loan remains the responsibility of you and 

your cosigner Ii f applicable). 

\\"ho do ~·ou share my Information with now? 

We 're currenrly authorized by law to pwviJe info nation concerning your education loan account to 

your school. the agency that guarantees your loanl. ). and the Department of Education ( for any federal 

loans). 

Questions? You're welcome to visit us onlinc at 'allic~·1ac.com. or call us toll free at XXX-2-SALLIE 

(888-272-5543). We're here to hc:lp you Mom.lay Thursday 8 a.m. to 9 p.m .. and Friday 8 a.m. to 8 

p.m .. ET. 

As your saving. planning. and paying for education panner. we appreciate the opportunity to scf'\e you. 

Sim.:crcly. 

Sallie Mac Customer Se1vicc 

•Infonnation inc:luded in lhis letter is for the loan(s listed un the following pagc(s). 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 8 of 25 

Complaint Exhibit H-8
Oo,:uS,gn En~elope JO. 

···-·---------------·- INFORMATION RELEASE FORM ·-··----------·-········· 

I authorize Sallie Mac to release information abou my current and any future educations loans serviced 

by Sallie Mae, orally. in writing. and,-'or electronic lly to: 

(Pleas(' prim or t_ipC') 

American ~inancial Benefits center, lnc. 1-800-488-1490 

--- - - - ------ -·--··--- Name Telephone Number 

311 Professional center or. #200 Rohnert Park , CA. 94928 

Address City State Zip 

4/23/2014 

Date 

<Borrowc-r Name> 

Page 1 of I 

This letter was downloaded from SallieMac.com 01 the date noted at the top of 1hc letter. Please note th.it this 

version may be slightly different than the lctlcr you may have received by USPS or email. 

https:/ /www.docusign.net/Signing/Rasterizerlm ge.aspx?p= IO&d=96&pid= 1 l 852a08-64... 11/14/2015 

---------- ----

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 9 of 25 

Complaint Exhibit H-9
OocuSog<l Envelope ID: 

AFB· enter 

.11 l Pn_1fc~sinnal (."~"Jltcr Dnvc 11::!00 

Rohnert Park. CA 94928 

D•te: 4/23/2014 

Mam Telephone: {8()(l)4!H<-1490 

Fax: (k88) .H4-6281. 707-lN7-3000 

\'1-"chsite: www.atlxcnter,corn 

Document~: j r:irnmc_, iJ_t~k{IJ!x:~.!l.!~r &t1!ll 

E-mail: info,ilatlx~cnh:r.co~ 

Client #(STLNt: 

Home Phone: 

Other Phone: ( 

Thank you for l'.Ontai;:11ng American •·1nanci I Be-nl'nt~ Center. Based 1111 the information you h.t\t' 

Jno\ulcd to our company. we hcl1evc 1hat y u ma)· qualify for one or more student loau assistance 

programs offered h}' the U.S. Deparrmcnt of E ucation. American Financial lknetits Center r·AFBC"} 

is a pri\'ately mvned rnmpany 1hat helps cons mcrs hke you identify programs that may he suitable to 

your situ.ii ion. gather their n:lcvant application documents. and then assists by preparing thost• documenls 

!'or your rc\-il'w and s11bm1!\sion. ,\FHC ;1lw o i:rs some of its own great pro1,,,r;1ms IO f11r1hcr assist with 

your 1in;1m.:i.il ~lluation. fo begin. we nct.-<l the following mfom1a1ion from you: 

I . Please carefully read the enclosed Agreement. and 1n;1ke sure 1hat all page~ arc ~igncd and 

daicd where indicated. 

Please provide your National Stu cm Loan Data System Pcrsonar ldentifo:ation Number 

("PIN'">. <lT your most current Stud nt LP,in Serv1c~·r account ~tatcmcnt(s). 

-~- l>ic;1~ provide a copy of a voi<lc<l heck. .ilong with thL' attached A("ll Authormumn Forms, 

signed by the account holder who i remitting the program paymcn1 

4. After you have faxed your documc ts, or provided your Pl1'<. please contact AFBC at 1-800-

48S-]49() cx1. ·o· and Spt."ak 10 a licnt Sen·ircs Rcpresentallw 10 \Cnfr all documen1ation 

ha~ b<."Cn received. You may also c · ii your documentalion to: mcomc.doc:1uaft"·cntcr.com 

.5. He rnrc to rctam a ..:opy nr all docu cnts for your rcl'.ords. 

Due 10 the impurfancc of t.h1s n1.;ucrial and so 'C may start \\orking for you as soon i1s possible. rc-1um 

these documents and pro\idc your PIN 10 Am rican Financial Benefits Center via fax. email. or mail to 

311 Profnsional Crnter Drin• #200, Rohnert Park. CA 94928. as soon as possible. 

If you ha\"t' any qucslions when reviewing t c atta...-hcd docum,·nts. plea:-c fi::d free to con1act your 

American Fin.1111:ial Hcnctit~ Center Cl1tmt Sen• ccs Representative .it 1-800-488-1490. 

, 

Client Signatu~f 

·•- ...•... "().·_;~Mf._..._w .. ,• 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 10 of 25 

Complaint Exhibit H-10
00<:uS,gn Envelope ID· 

Loan Data S~·stem Accesi 

As pan of the federal student loan consolidatio apphca1wn process, it v.ill he nl"Cessary for American 

Financial fkndit Center to ai:ccss your stUllcn loan mfom1a11on within !he ~i.ltinnal Student Loan Data 

System localed onlim: at http:::www.nslds.ed. v 

fh"° Natmnal Student Loan Data System cunta· s a complete list of your lcdcrnl cduc:11ion lom1~. along 

with rnrrcnt estimated balances and servicer d ails infonnation that is required to compktc your 

~onsohdation application. 

By enrnl1111g in the Alllt'rican Financial Bencfi · Ccmcr consolidation as.s,stance program. ~·ou arc 

-•gncing to allow American Fin11nd1d Bene ·sccnttnind its authorb:e-d agents to acress )'oui' 

profile and all the dala contalnl'd within tha profile. In order to allow this access. you will need to 

provide American Financial Benefits Center\\' h your Personal Identification Number tP!Nl. 

Please note that all infonnahon that American inancial Bi:ncfits Center obtains from the National 

Studcm Loan Data System will be used cxprcs. ly for the puri)(isc~ of confirming your chg1h1hty for 1h.:­

Amencan fmancial Hcnefits Center consolidat 011 assistance pmgram and assisting you 111 the 

rnnsohdation of your federal eJucation loans. 

Aeknm,·lro~mt'nt 

L ...... hercby ad,;110 ·lcdgc that I have rcad. understood. and agree to the .ibovc 

stalemcnts rcgardmg access to my National Stu ent Loan Data Sy~tcm J'lrnfile. I understand that I v. ill be 

asked to provide Amcm:an rmancial Hcnclits ·enter wuh my Personal ltlcntific.itwn Number I PIN I and 

that ,\mcncan Financial Bcncfils Center and it· autll<lrized agems will use this PIN in order to access 

111forrn.11ion regarding my fedt.'fal cducatton loa s that i~ contained withm the Natio11al Student Loan Data 

System. I understand that this infonnation will c used solely for the purpo~es ofwrifying my eligih1hty 

for the Amem:an Fman.:ial Bene(its Center cor olidation assistance 1m1gram and completing my 

applt1.:at1on for a Fcdcrnl Dcpm1ment of Edul'ill on consohdahon loan. 

By sig_ning this aeknowlcdgm.:nt. I agree 10 all1 w An~rtcan Financi,11 Benefits Cent.:r to u..,e my Nat1mul 

Student Loan Dat,1 System Pl)'; to ac,css my p sunal profile as explamt:d abow. 

Client Signature: Date: __ 4_1_2 3_/_2_0_14 ___ _ 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 11 of 25 

Complaint Exhibit H-11
1-,;n,..1,'\l f,••I 1 «l<r,! l_.,_,n ISJl;o,i,·c S 70,000 

h :drr,1 L., ,,11 l ~"J'<' 1Slllf k. \tul11 1. Multi 

Rdct\.'thV I fl'h,lfl.: 

J"his Scrvi.:c Agreement is n1'tdc an,1 cmc:r.:d in10. 1h.: dare if signing. by and between Amt•ric;m finan,·ial lkrwfits 

C<·lllcr r ·Af-B('"). and Client. as , tatc<l in Scction L her m~licr rcforr~"tj !u :,s ( .. Clicnf'l r1.·siJi11~ JI aJJrc~> as 

,1ak-d in Sccli<>n I . S11bJc,·.11(1. ,mJ co11J1t1(111e,I upon. 1hc f llnwrng for Chcnt S1Udc111 Loan l.>o,~umc:m Pre1,ara11on 

and Sen-ice Agrccmcn1. 

Cli~o, Signaturl': Datt: _ _ 41_2_3_1_20_1_• _ _ _ _ 

https://www.docusign.net/Signing/Rasterizerlm e.aspx?p= l 3&d=96&pid=803dec7 4-24 ... 

------- - - - --- --- - --------- -- -

Page 1 of 1 

11/14/2015 

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 12 of 25 

Complaint Exhibit H-12
OocuS,gn E r>velope I 0 

Amerkan Finam:ial lknclits Center (hcrcinal CT "Company") is dcdic;tlcd to prutc..:1ing :i,our privacy and 

providing you with the highc:,;I level of ~ ·ice. This Polu;y explains whal. Company docs to kcq, 

inform,Hion allout you private and secure. ·h,s Policy covers only information thal you pnwide to 

Company or that it obtains about you from c< mpam~·s that you haw chosen to do busmcss with. Pleilse 

read this. Policy rnrc:fully and contact us if you hiln: any questions. 

Personal Information We Collect 

The pcrson,1I mform;uion we colll"\:I ahout yo comes fnim the following ~ourccs: 

• l11fonn.itio11 we receive from yo . such as your nank!. address. and telcphooc number. or 

other information that you pro\id to us over the phone or in documents or applications. 

• Information about your tran!;al'.ti 

payment hismric,-, acrnunt activit 

acdit car<l statcrnems 11r other re 

ns. such a~ your account balances with your creditor!>. 

. and all other infonnation 1hat m.iy he conlaincd m your 

rts rdating to Yl'llr dcl'lt. and 

• lnfonnntion we rcc~·i\C fr\",m con umer n:poning agencies anc.l Nhcr sources. ,uch a~ your 

crc-dit bureau reports. colh.>ctio1 agi.:111:y rcJKlrtS or ml-k:r l·ommunicalions, and other 

information relating to your paym nt histoncs. creditworthiness. annual income. or ability hJ 

satisfy your obligations. 

We n::-a\"C the right to. and will. scll l1r 1rnnsf. your personal information to third parties for any purpo~ 

m our sole discretion. We prohibit the sale or I nsfcr ofpcr.mnal information to non-afliliatcd cntilics for 

their use without girn1g you 1he opportunity o opt-out. \Ve may di~losc such infomiation in order to 

cffrct ,,r cart)' out any 1rnnsac11on that you have requested of us or as nece~sal) lo complete our 

cont.-actual ohligalions with you. We may lso share your infonnatirin with service providers lhal 

perform busincs~ oper;11inns for us. l'ompanie.s hat i!CI on our behalf tu market our scnu:es. or others only 

a~ pcm1i1tcd or required by law. such a~ to pr tt>ct a~minst fr.1ud tir in respon~ to a ~ubpoena. We ma~· 

al:.o share or transfer our information in the c, ent \\·C transfer or sell \our account or our business assets 

to anolhcr pro,,idcr. 

Ry ,arrying out those sen ices, we may disclo. • your informal ion. as \\·e ~c fit am! a~ pcnnilll"l.1 by law. 

to your nc(litors. credit card ct•mpan.ies. coll ction ,1g1mc1c~. bank s. ,md other entitles and indi\"idl1.1ls 

sP<,~cifically n..-,cssary to effu·t. administer and rform our service!>. 

Your Choin~Opt-out 

We pH1'itlc you the opportumty lo ·opt-out· o · havmi; your pcrxonally idcn1itiabk infom1ilt1on used for 

ccnam purpos.:s. By providing infom1ation t Company you arc consenting to the collection. use and 

disd(lsUrl' of suc.h personal information in the anner descrihed in this privai.:y policy. W'c provide you 

the opix1nunity to withdraw your ,<in~cnl when such 111fonna11011 1s rnlkclcd. 

Such consent may he wi1hdrawn by Gtlltng t c lclcplwne number rrnvulcd hclow 11r may be· t!one in 

w-ritini; e111ail and sent to t•ur cuswmer scrvic department at the folkn~ing physical ,1ddress or em~il 

addre!-s: 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 13 of 25 

Complaint Exhibit H-13
Ocx:uS,gr, Envelope 10 

Amukan Financhtl Rueflls Center 

311 Prorffsional Center l>rh-t Suire #200 

Rohnert Park, ( 'A 9492H 

Email: info<'a-afbcenter.c:om 

Ho" We Proteel Your Information 

\\'c tram our cmploy~>cs to prolcct all cusl ni..-r infonnation. We mamtam physical. clcctronil· and 

prn1:cdural controls thal comrly wi1h govern ·nt standards. \Ve authorize our employees. agcms and 

contral·tors 10 get infonnation aboul you only \'hen they need it to do their work with us. You can help to 

maintain the security of your nnline transacti mi-_~)' lllll sharing your pc1'\.onal informa1inn or password 

with llllyonc. Remember, no mclhod oi'transr issmn over the lntcrnd. or method nf dcctronit· storage. 1s 

IOO" o secure. 

This Policy ;1pphcs to l'.Um:nt and li.mncr cuslt nwrs. If you have any qul·stion~. pkasc coul,Kl ,\mcrit·an 

Financ1.1I lknctit~ Center ,u 311 Pwlcssional 'enter Dnvc Suilc 11200. Rohnert Piirk. CA 9492}: 

nient Signature: Date: __ 4_/_2_3_I_ZO_l_4 _ __ _ 

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------ ······- -------·• --· ------·--·- ---

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 14 of 25 

Complaint Exhibit H-14
OowS,gn En~elope JO· 

"!'lioti e of Canttlla1i<1n" 

Da1~:----1- - - ---- - ~ 

"You m•~· ~11ncel thb tr11osiu11011. withoul any pt'IIIII} or obll11;11ion. wilhin ten {IU) builne~i dll)i rrum the 

above date. 

If you cancel, H~' proix-rty rradrd in. any p y·ments made by you undtr the co11tract or ~ak-. and any 

nei:oliablr in!itrumenr n ecult'd by y·ou "'·ill be tururd within len 110) d11y~ rollo"' ing rtttipt by lhe ll('llrr or 

your unctllalio11 notlct". and any stturit> inln I trhing ou1 of the Iran.action will 1K, unteled. 

If you unetl. ~ou mu~• make uaih1ble to lhe lier ti your residtlk'f". in substanliall~ H i:ood condition as 

w·hen recr hed, any· good~ drlin-red to ~-ou 1111dr lhi~ contncl or ult. or yuu may, if you "'·isb. comply with 

lhl.' i111lructlon~ of the ieller ~garding thl' n-tur shlpm,nt of the w,odl 111 the M-llrr's e,pen!II' and risk. 

U ~ou do make the good~ l\1i11ble to the KIi rand thr 11ellu dot•s not pick lhrm up "'·llhin 20 day·s or the 

d111r of )Our notln of c11ncrll1tio11. ~ou mlily ret i11 or di,pow of lht good~ without 1ny further oblig1rlon. If 

~-ou fail lo make thl" good~ a,•ailabll" lo the ,wllrr or if you ai,:rrl' t•> return thr i:oods to lhf "4.'lll'r and fail to do 

w. chen ~ou rt1Ml11 ll1b~ for ~rformancl" of 111 oblit:11tion~ undtr the contncl." 

To caincrl !bit transaction, mall or ddh·tr a si nt"d and datNJ cop~ of this can~llation nolin~. or an,· other 

writtrn notice, or send a ll'lei:ram to Amt'riun Financial Brndlts Crntl'r. at 311 Profrssioiaal Cl'nter Drh·e 

Suite 200. Rohner1 P1ark. CA, 9.&928 not later th n ten 00) busin"11 da,~ from the- 11bon date. 

(Clirnl's sl11muurl"l 

(Date) 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 15 of 25 

Complaint Exhibit H-15
OocuS,gn E nve!ope rD: 

Limited Powt'r or Attorne~-

I.le': An~- .ind all ofmy Student Loan Creditor;: 

I. hl.'reby duly authon:,c. cmpt.lwl.'r and a oint the American rmanci;il Benefits Center of J 11 

Prol~~ssional Center Drm: Suite n.WO. Rohne P,irk. CA. 94928. its ag.ents and rcprcsentati,cs !AFlKl 

pcmiission lo perform any ,11:ts necessary or c( vi;nicnt, induding but not llm1h.'ti to, th~· iollowrng on my 

behalf: 

l. Pn:pan:. sign, an(! tile any d(~umcnh pcnil ning to my Student Loans with any governmental lxldy or 

agency. represent me in all Student Loan ttcrs including. negotiating, comprnmi~c. or settling any 

matters wuh ~uch government agcncir.:s. and ommunicate a~ fully I could do if pcr~onally prcs~'tll and 

artmg with any m,d·or all of my rcdcrnl Studc t Loan pro~·idcr!i. 

~- To communic.ite with banks. creditors. fim1 cial institutions, h~·enscd t:ollcction agcncrt"S. ,u,d all other 

related entities and individuals rclaring. to m Federal Student Loans. im:luding but not limited to the 

halant:c of my a.:counl. )l;iymcnl lustof) crifo:a1in11 of the account and any and all 11cccs.,ary 

communications. correspondence, and m:got lions regarding my account{~). I assert that all of the 

mfonn.ation 1ha1 I h:ne prmidcd and will prm e AFDC is true and accurate. 

J. I hereby authorw: th,rd party .;ommunic· tlon from b:rnks . ..:rcditors. fin,mcial institutions. licensed 

collcctinn agencies, and all other related entiti s and individuals rd,iling to my Federal Student Loan, to 

communicate directly with .'\HK t:ont:cming 1y account or the colkL:tion ,1etivi1ic~ associated with 11. in 

ac,ordam:c with Section 805(h) of the Fair De t Collectton Practices Act. I further request that all ofmy 

lcn<lc~ dirct:t all further 1ckphonc call~ to: l-1',Nl-~~1490 and com.-spondcncc to: Amerkan Financial 

Benefits Center, 31 l Professional Center rh-e Suite #200, Rohnert Park. C\ 94928 -Customer 

Senke _ An) and all communicarions direct· to me will he referred to AFBC. and only AFBC ,,ill he 

authon,cd to dc;il w11h your wmpany anJ or 11 · rcpr~cnlati,cs. 

l undcrsiand that /\FBC 1s nm a la\, firm. 1s n I licensed IO practice law or pm, idc legal ac.h ice and 1ha1 I 

will not rcqucsl or accept. any legal ,1dvil·c om AfBC rdating to my personal linancial situation. I 

cxprcsslj agree ro w:1iw. forgo. indemnify nd defend any claim again,-t the AFBC' relating to the 

practice of law. I umlcrst,md th,H any creditor .1r colk-ction acti,ity, dcm,mds. nr l:iw,-uits arc unrelated to 

my enrollment in the AfBC program. 

I .igrcc th.it ckctrom~, or focsunilc copy signal re shall be deemed orig1n,1I ,md i~ <111 .iuthuri1at1on by me 

for all lawfully enforceable purposes. 

This Limited Power of Attorney shall remain i fon:c unttl or unk-ss modified or rc~cind~-d m wnting. or 

upon re~olutinn of the cum:111 mattr.:r. 

Eucuted On this (Date): _ __ 4

_

1_23_

1

_

2

_

0

_

14

---1---

Applicant Signafurt•J.,

00

_,. 

Applicant Name: 

ppliunt SSN: 

Appllcanl DOB: 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 16 of 25 

Complaint Exhibit H-16
Page 1 of 1 

Congratulations! We arc cM·i1cd chat you han: 1akcn the first step m impro, u1g yuur fiuan.:e,, through our Fmanc1al 

Analysis & h·aluarinn, AFAC hnandal Sm:ccss Krt, an ynur cnrnllrrn:nt in our Financi,11 Education Platinum Member 

Rcnelirs Prog.rarn rPMBP') lx--cau~ getting the nght t Is and education will ,ave you tllnc an<l money. \.\-'c belic\c purcha~ini; 

this Platinum Member fknctits Program and Financial ~ cccss l\it 1s the fiN sic11 in making ,1 chm1gc in your lin.uicial lrfr. 

These Financial tools were bu,11 on 1in1e-tcstcd strategic, m.:1hods, and cxem~es that we've coupled \\ith our Platinum 

Member Lkndits Program, w hel(l you ,tan savmg mon y today and to giw you the greatest opponuni1y frir improving y(11u 

financial position forever. 

Aulhttri:ation & Ref,,nd Policy: I hereby au1hon1c Ar crkan Financial Bcncli!~ Center 10 debit 1hc credit card(sl, or bank 

accounu ~) listcJ below for thc amounrs ~ta1cd on the drat daces herein This authonty shall ren1;.un in effccl until American 

Fmanci:d Uenefits Center ha.~ rc-cdvt."tt the full purcha~ mount. If a payment 1s Jcclin,:<l hy y(1ur credtt l·ard coml)any or bank. 

Amem:an FinarKtal Bcnetits Ccnta may attcmpl 10 agai pmccss tlm paym,.•nt at a later dah:. 1yp1cally wnhin 72 hour~. 1'1;(1 

products will be shipped unlll full paymcnl i., conlirmctl. I_ the Buyn. fully undcr.-tan<l I am purchasing an Amcm:an hna11c1al 

Benefits ( ·enter Fmancial Suc<:css Kit and enrolling into he Financial h.lucatmn Platinum Member Acncfrts Progrnm through 

American Financial Benefits Center. All tr.1nsactions wi I arpcar on your nl"dit 1:;1rd. or bank statemt·nt(sl as ··afbcnfits.cc11tcr"' 

American Finam:1al lkndirs Cenler offers a 100" . ., Salis -1ior1 Guarantee llr your money hack for 1ho;.c ,-ustomcrs "ho requ~sl 

in \\Tiling wilhm .,o dap, from the date of pui-chase. The .titer 1:us1omcr5 may also re(1uest a rd'und up to 90 days from the date 

ofpun:hase however American Financial Ikndits Ccnte res..>rves the riiht to d~·t(·m1i11e a reasonable rL'fun<l amount If you 

ha,e an> qu~..,,1ions about your pa',mt'lll, pleas,· contact u · tlircctly al I-X00-4!o;l<- l490, of .l 11 Professional Center Dri,,• 2(H>. 

Rvhnert P.irk, CA 94928. 

ln11r Pli,ti1111m .lfemher Benefits Program & .-1mericafl inam·ial Relfc1its Center Financial S11cce,~.~ Kit H'ill lndudr: 

,,. Online Loul SaYing! - save money at your f· vorilc local merd1ants. 

,,,. En~r~·da:,· Grocery Sa,·ings -S500 worth ofg ocery coupons annually! 

, Saven llub - over ~4{)() participating lodgin properties with up to 50°0 off room rates, plus receive discount._.<l 

theme park ,ulmission. movie tickets. c.ir rent· s. and m11ch more. 

, i-\foney Quest -y(1ur p,:ri;onal on-ltnc. intcra in: fimincial hkrac~· course. 

, l..t)R Bcnenr, get organi.-:cJ and protc~-tcd by using a family hudge1 worksheet, asset invenwry organizer. 

medical insurance infonna1ion log. and auto c ·rgcncy log. 

, R, Aduntage'" PreKriptlon Drug Progra * - r~'l:civc discounted priung on generic and hr.ind name 

prescription medications at participating phan · cies nationwide. 

', Coast to Coast Vis.ion Plan*- save 30% or n re on eyeglasses. contacts. nun-wcscription sunglasses, PRK an<l 

LASIK surgeries at over 1 :!J)OO optical sc-rvic providers nationwide. 

, Key Ring & Luggage Prot~ttion- register an rccc1vc pen.onally labeled tag.s printed with a unique code and 

shipping addres~ for item~ to he \Cnt lo us free of charge. One.: n:n·ivcd at our ccnicr ,1~·ms w,H be -.cnl tv your 

registered address. keeping your ~rson~I 111fo nation confidential and your property safe. 

, Aulo Bu)·ing Sen:ice and Maintenance D~ unts- a ~crvicc designed 10 help you huy, ~ell. or trade your nt:" 

or used vehicle at the right price. thus savmg y u mo111.:-y .. .\IM'l, receive s~cial discounts on car repair and 

m:11ntcnancc at more than 10,000 s.:-rvicc cent locations. 

,, How To Be The Family CFO - written by Ki 1 Sntder. with answer to th,~ lifo-changmg qucsllon. 

, Hard Bound 125 PaKe lnfurm•tlonal Worli k - to help you regain your fimmcial s1abili1y1 

..,. eG11ide llt:~ts, dlled "Kt'buildlng Yoqr ('red t" ht--rc you ·11 learn thc basics on 11nproving yt,ur,.;rcdit. 

,,. Life changln~ CD complete with printable fi rms - to impnwe your pcr~m.11 and financial lite- fcJrcwr. 

Spou.tt' \ l-11/I Na,ne (ifappli('able) : 

Buy,:r '.\ H~t Con1u,1 Plrflne f\iumMr : 

flna11dal Edu,:ation Platinum Mt'mber Bcnt'fib P "''" l:."nrollment 

& Amrri,-an Finandal B~nejib Centt'r Fin111tciul S11, ess Kit Char,:e: \ 1295.00 

4/23/2014 

Date Sil(nature of Spouse Date 

https://www.docusign.neVSigning/RasterizerI ge.aspx?p=18&d=96&pid=a7247451-ffL. 11/14/2015 

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 17 of 25 

Complaint Exhibit H-17
Page I of 1 

OocuS,gn Envalope 10-

Autlwri:.ation & R~f,md P11/icy: 

drat) 

I hcrch)

dates 

' authorize 

herein

American fi11a11ei.,I Benefits Ccn r 10 debit the credit cards listed ~low for the amounts staled on the 

pur~·hasc 

. This authority ~hall remain in cff,.: · t unul American 1-'inancial Ucndits Center ha~ received the foll 

lo ag,un pn'l\:e$~ 

,1mount. If a payment is dcd1m:d by rour c edit ~·ard compan}' !\1111:rican 1-'inancial Benefits Center may a1temp1 

l'(.lfliimwd

thi,,. payment al later dare. typically ~-i1hin 72 hnurs. No producl~ will he shipped until :1 full payment is 

writing wi1hin 

. Am1:m

JO days 

·an Finarn:ial lkm:fih Center ,1ffc · a 100"-., Satisfaction Guarantee for 1h11s1: rn~t1,r1u.·r~ who rc4ucst in 

date of purchase however 

from the date of purchase. T reafter customer!, ma)' also n:q~ st a refund up It) 90 days from the 

.-\meric.m Financial Benet Is Center reserves the right to dctem1ine a rcasnnablc refund amount. 

... c .. 1,_·e_n __ , .... c.. r,_•d_i._t _c_a_rd...._ln_.(1 ... o_rm __ a... ,i ... o_n..._: ---------+-- --·- -------- --···------- -··­

; Cardholder Name as it Appears on Card: ---------·-·--·----

j --

Complete 

-- -- ---

Billing 

- --

Address 

- --- - ~---- --- -·--·- --·- ---·------------- 1 for Credit Card: 

-Card Type: (Mstrcrd. VISA. AMEX. Discover) 

_ Card Provider: (example: CitiBank I 

Card Account Number: 

; 

· ·-------- I 

- . l. .. -- . --

r 

·1 ·- - · 

·-------·-·--

Expiration -----

Date: 

----·--- -······- ----- ------ --·---------·-------- ·---------- -------- ·---. -- --·-----·- -·--! 

------ ------- -------------~- eve code: (3 digit code on back) 

Drali Date: 

-Dratl Amo unt: 

i 

··--{ 

: Cardholder Name as ii Appears on Card: 

Complete Billing Address for Credit Card: j ----------·

Credit Card Type

-----: 

--

(Mstn.:rd

---- - ------------+ - --,--- - ------ --··----·--- --------·1 . VISA, AMEX. Disc vcr) 

Credit Card Pro\'idcr: (example: CitiBank't ...... . ........... -- -- -··--!-

Credit Carel Account Number: 

Expiration Date: 

---------- , ... -- -- -- - ·-.... j 

I 

eve code: ( .l digit 

--------- -----·--+---.------ ----------- -·----------- ------------: code on hack) 

Oratl Date : 

Drali Amount: 

Cardho/der Signature 

------·--------··--- - -- ---··-- -·--------·--- ··------~ 

[)ate 

• • • Pfr,,,, ,..,.,;,. 11 c-t•l'Y "f tlti. tlo,·111,unl "' J"'"" rtc-ripl "Jpurc·h11,..., • • • 

https:/ /www.docusign.net/Signing/Rasterizerlma 

---

e.aspx?p==21 &d=96&pid= 1 f062617-7b... 11/14/2015 

- --- - - - -···---· ----- - - - ··- ·· --· ·--- ---- ---·--------

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 18 of 25 

Complaint Exhibit H-18
Page 1 of I 

DocuSign E ov1>tope 10 

Date: 4/23/ 2014 

To whom this mal concern, 

To the best of m~· kno"·ledge. m. urrenC annual income for this year 

"Ill bes 

Thimk you. 

Signt>dl 

----~·-·•tU<~~--i: "9 . .,...~..t• ·' 

Prins: 

SS~: 

https://www.docusign.net/Signing/Rasterizerima e.aspx?p=23&d=96&pid=c0b0f26a-42... 

-----

l l /14/2015 

----·- -·- ··-·- ---- --· ·-------------- --- - ---

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 19 of 25 

Complaint Exhibit H-19
OocuStQn Env&lopu ID 

American Financial Benefits Center ocument Preparation and Service Agreement 

Ttus S1:r.·1cc Ai:n.,cmcnt j, l·nlcn·d lflll> on thl· d.1tt sht•v.n bl·low t>c:1wccn th<- t\mcrirnn F inan,ial Bcm:tib Center. 

Inc (.'\FHC1 am! the Client ·'TM"'" hdnw iCltenl) 

AFBC pw,idc~ rroccs~ing and ~url'"" ,-ervicc, I a.,sist con~umcrs who ar.: app lymg for Fcdcr.11 S111dcn1 Loan 

Con,olidation Services. and0

or oth.:r rcpaymo:nt Ian programs availahlc through tho: Dcranmcnt of Education 

1lXlt::l AFBC i, ;i pri,·;111: n,1111,any. 1101 atlihate wi1h ;m~· IJl>lt:rnllll' l11 agi:ncy, and for a tel, AFBC will a,~1,1111 

a,..:mhl~- and suh111ission of student lnan consoli ion. and or nthcr rcp,1ymcn1 plan program d('14:umcnts. AFB(' i, 

not a kndcr or a dcb1 wr1solida1ton l·11mpany. 

Cli,·nt rcqucsb :\FBC 1,1 p,-n'om1. in g0<>d failh. t following .crnccs. 1"1hc Scrvicc,""l: (a) Performing a rnicw of 

thl· Client's currcn1 h'\kral Student 1.<•an Jd>t ~i1 ;uum. th) ldcmify pc.11enti.il StuJcnt toan (.',>nsolid.ition. and'nr 

,,thcr rcpaymcnl plan options that may h,· a,·ailahl to l'lt<·n1 from 1hc IX)E. lei Discuss po1cntial option., "·ith 1hc 

Clicol. au<l (<li 1\lkr C hl'nl ,,·k,·ts an option. pre arc a11d pmcc,~. on the Chem·, hchalL a F.-Jt,rnl SHtJenl l.,,u11 

Consoli1l.ltion Applicatinn. anclor ,,th.:r n:paymcnt plan prngrnm applu;a11on "'ith the DOE. 

,ow thcrt'f,,rc in con,i,krahon of th,• foregoing a d every term. co,enam and rondi1t,1n h<.'rcaOer --et forth. ,\Fil(· 

.mJ Client 011 h<:rcby understand. n•,·cnant and agr ,. Lo 1hc following: 

I Pnl\'i<lc Compktc and Truthful lnfonnatwn. A 'BC will pn•\'iJc Chem with an o,e"·kw s<·ssion limi1c<l lo th,:ir 

h eJcrnl Student Lo>an Jd>t~ lo a:'<,1.,1 tltc Ch-:111 111 l,,,·atini: opuons 1ha1 11rny l:,c ;1v,1ilnhll" 10 thc111. Cltt:nt e.,prcs,ly 

rcprcsc111s ancl \\·arrants that h,· ~hc •thcy \\ill at :ill tim<?.~ pro\'idc :\FB(' with information t hat 1s n>mpk1c. accurate 

and 1rnt· 10th<: h,:st 01'1hc1r ~nuwlcdgt· aml belier 

2. P.-rfonnan.:c of ~r.·1<·cs Upon receipt of all nformalion frnm Chem. AFl:lC ~hat! pwmptly analyzl· Chcnf, 

l'e,kr.11 Stu1kn1 l.oan 1lct,1 situation. ll" \h!W till· 11formauo11 pr,,vided hy 1he (.'h..-111. and .-i,mpktc the appl..-.it1on 

fonn.s roljoir,--d for the DOE program(st 1ha1 havl' ·en sclcc1cJ hy the C lient. Upon completion of AFBCs rc,·1,,l 

au,I ,lu,· d1li)!Cllll". AFLK ,hall prepare for riling w11h (.'l1cn1 ·, kndt,r an apptic,11ion 1(1 mi ti.ii.- a r ,•Jera l SllHknl 

1.oan ( \1n.,.,JiJa1u,n. mut <>r 01hcr r.•pay·mcnt plan Vililahlc Ill ( ·1ic1111hm1111,h the l>OJ, 1,n hchalf nf Client 

.\. Fees for Scf\ it:~s. The cost ,~r the r rngrnm fnr .:lient enrolling,, S~- - - - -- · and 1s ,phi into ,1 momhly 

payment option as ind1c:i11:d in th,· auach~xl form. Till' tee shall be J,:hi1~xl from Clicnl'~ bank a,·cuunc ~pc,·iticd 011 

tit<:' ;itl.id1cxl Uc,·1w111c I unds 4FFTl Au1hm11atio I AFDC "ill use a lhml 1•any 1,;1ymcut procc~i,nr 10 Jch1t C ltc nl 

tor fee and Client hhall 11ay all pnx·cssing li..-.:s as.,· iated with ~uch. AFB(" , sci"\ ices ~hall bc .:,m1pktc upon ,\l'fU­

,1,mpkting 11, rni.:\\ and prn\'idm~ an appl1catiu pa.:kcl Lt• 1hc: 01.:nt. 

4. Document, Service }\~'Tl'<:111cnl and :\·l"1uhl~ (.' st Au1h1,nnlil>n :\FBC "'ill u,..; a th1rJ par1) pay,11<:nl pmcc,wr 

lo dcbi1 Ui,·nt for foes.pa~ mc111~ and Client s all 1•a) alt pro,l.'~sini; fees a~i;.x·1ahtd 1\-ith ,11,h. Chen! hcrby 

:iuth<>rir.o.:, :\FBC In deduct all payments due per his contract from tllc linan,ial instiluli(ul li,tcd in the Fl,-ctrunic 

Funds ll:FT) Au1l111nL.al1<>n ,,r ,;t1C h olhcr finam·i,l institu110n lh.11 ma~- he u,cd by Chern from tun<: 11, 11111c. Funhcr. 

('Ji~n, au1hnri1cs 1hc1r finan.:ial ins111utiM 1n a.:c. ,t anJ 10 d1:irgc all} ,kbit cn1rics i111tia1ed hy ,\n1<:ricu11 Fin:111cial 

lkndit, C.:mcr tu Client" s account. Thi, auth11n ration for automatic w1thJrawal of li:o.: , :paymcnb is to rt·niam m 

full fon:e ar11.t cffc:<·1 un1tl ,\HK has rc<.:cl\cd w ins·n 11,,rin' from Client l>f it, termination m sm:h 111rn: an1.I sud1 

man11cr a, 1<> .1fford A~liC a rc;i,.(1n;ihlc op1'1(lnt1 ,ty to act !\ f.:c.'paymcnt t \\bethcr pai,1 hy dchit ,,r ,,1h.:r 111.::rns) 

that is not hunor,d by Client ·s linanc,al insti1u1iv for an>· reason may bl.· subj,"Ct to ;1 S.:!0.00 s~-n.·icc fl-;.• impos~'<l by 

AHi(' 411111.:s, (>therwisc limited ,,r prohibi1,-d b · ,tatc la,q, the a1noum vf wl11d1 111ay b.: <lcbit.:J from Clii:n!", 

:1.:count. 

5. l.imitcJ Mon,:v Back (iuaran1cc. Al-'BC guar.i ccs that ('licnl will f\.-.:Ci\'c a hxkrnl Studcn1 Loan ('c,nsohdation. 

,,r l•lh.:r rcpt1)1T1cnt plan proi:ram ;molahlc 11, di '.nl thwugh thl' l)cparlment l'f E,Juca1im1 su~1cc1 10 the follo,,111g 

t"Ot1<h11011,: 11 > , tuJ.:111 i(,an~ th,11 c:11.:111 pl'c>e t~ 10 ,\FHC ar.: original dents. and ha,c t\\>l been 1m:,·i,1u,ly 

,onsolidatcd or had their tcnns tit amount~ pr.-v 1usly ad_justcd: 11) Clicn1 full coo~r.ue~. i,· hnn-1,1 and 111ndy 111 

prmiJ111g ;tll infonna11,.111 rtqucslcd t,y .'\FBC: ad DOI:; anJ-,,r U> ('il.:nt dtx:, m,t p,,s,c,s a ~lrnra~terbll~ that 

pur,mant to (X)E rule, v.ouJ.I disqualit~ Client "rom rcc,;i\·ing a con,oh<fation I f a Client j,- n,11 apprm ·cd for i1 

Federal Student L,1an Clln,oh<lation. or ,my ot.h.:r rcpa)ment plan program a,ailahk to d1,nt thrt>ugh the DOE. after 

reasonable ctfon~ hy the partic,. 1hc11 AHK I ill r.:imhur"-' th,• Con,..;,hdalhlll h "c Payment (paynt,,i][ made 1,, 

https://www.docusign.net/Signing/RasterizerI age.aspx?p=24&d=96&pid=27908f8e-7b ... 

Page I of I 

11 /14/2015 

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 20 of 25 

Complaint Exhibit H-20
OocuS,g,, Env~lope 10: 

.lO d.a)s .,,- any denial b~ 

1he DOE 

h. J>wces,. Onn: paperwork ha, been rccci\C:d. rocc,~111g Y.ill bcgm. AFBC \\ill .tlwa)~ acl pw111ptly on Client·, 

lfocumcnl, and f'H>gra1n. Be ad1 i...:J that re, ·r.il Student [ .nan Co11,olid.iti.·,n, . .ind 01hcr n:payntcnt plan, 

compkted hy Al-BC rely on the rclcvam lender. for prompt seni,·c and AFBC c:mnm he· held liable for delayed 

l·ompkt1on .-\H:n1gc ,ompk·tion ,,fa Federal SI d,•nt Loao C,111soh<lat1on through lh, DOE is usually mnc:t~- (')OJ 

day,, but lllil) take loogcr, ,\FBC ~l)kly prepare. a111t prm 11k, d(>cumcnts for ,uh1111,~wn. ,ind do.;, no, cormnl the 

DOE appli~a,ion rc1 ic\\ process. 

7. ln<lcrnniiir;t11t1n and lln[d Hannlcss. Clt~nt he chy ai-:rces to 1kkn<l and hold hannlc,s ,\FlK from and agamst 

any rlaim~ and liability ot' any nature whahcw:v r ari~ing out of or m connection with Clienl's failure lo timely 

pr0\1de r~-quc~l,'<.I inforni,111011 h> AHiC Clicn1'· lac;~ of,1utlwrity or abilll~ to rnmpk1c 1;:rm, of1h1, .-\~rt-crnc,it. 

,md all other daims Nri,ing out l,1· 1h1, ,\greemcn or rdating lo l'lic-nt', h•an, and other financial <•bligiu1ons. Th1> 

.\gn:cmcm co11st111ne~ the entire- agn.•cni.:nt 1-etw en lhc parti.:-, AFIK make, no \\'arr.inly. npress or unplied. as 

to tlw Illness of any n:c,,mmenda11011 11 rnay mak lo Client ansing <)Ut pf lh1., .-\grcernem l,,,:cJll for ,ause. Chem 

uncomlt1.ionalh waives any nght of ,Klion ag-ai ,1 ,\l'BC it, otlir.:r~. d1rer1ors. cmpluycc,. ag-cnt,. broke-rs and 

as,1gm:cs. ill law, cquily or any nther cause of ac ion for any reason. d1rc,tly. indirc.:tl~- or proximately b.:-tie,,,-d le> 

ari;.c uut of thi, A11n.·emc1u. for an) dauiagcs ,,f any nature w hat,vcYcr that Client Ill.I} 11Kur by rc,1;..111 o r Client 

lttllo-..ing any recom1m:nda1ion uf AFBC or Che t's failure lo follow an:,· rct·ommendal1on of .-\fBC. whc1lwr any 

,mgubr, concurrent or series of rccommendatio1 · arc acted upon or not acted upon in whole or m parr h~ Clit'nt. 

Tiu, "<-'t:IH,n ,h~II sun l\:C any 1emm1al!1>11 nf1h1,. ~rccmcnt 

S. Im Pkas.: read cardull y· In 

the event ,,f .1ny ,-onrro,cr,y. da,m or d1srutc be cen the pa111cs ari,m!I oul ,,r ;11· rclaling ,,, th,, ;,g1.c¢111cn1 ,w 1h1' 

bre.i,h. lenmmuion. cnforn:mcnL nucrpr..-1,,tion. ·unsionJbihty or 1·alid1ty thereof. iodm.linl,! any dct<'rmmat1t111 ,,f 

the scope or arplicahili1y of thts agri:emcnt lo rhitrate. shall bc 1k1crn1incd hy arhitration in Sonoma Counl\. 

Cll1fonua or 111 II~ c,)u111y m v.hid1 thc ,on~unw rc~ltks. 111 acct>rdan,c ,,1th the l.;1,,s of lhc Stat~ ,,fCalifomi,1 for 

agrt-.:nienls to be made tn and lo be pcrfomic m Cahforn1a. The par11c,; agree" lh:it the· arbitrnlli>n shall be 

administered hy th.: American Arbitration As. --iation (".-\t\A"! pursuanl lo its mies and procedures and an 

art>ttrator ~hilll h;.• scicctc,I by the :\A,\. Ihe .trh ralllr- ,h,111 b.:- nc:ulral Jlld mdepcn.!enl and ,hall c,,mply w11h the 

.-\,.\.,\ i:odc of 1:thics, Thl· a,,arJ rendered by ti arb11ratt•r shall ht'. tinal and sh;1l1 not be ·Hlb_ll'd lo ,aca11,,11 or 

rno<l1ficat1on. Judgment 011 the aw-ard made hy ch arbitrator may b;: cnterctl many c,,urt having Jt1risd1Ction over the 

p.irltl~' ti' c11hcr p;irt) fat ls h> n•1nply 1qth the ar 11rn10r', ,l\\,ml. 1hc mrun:d pJrty may pct1111,n the ctr<:uit c1111r1 t,,r 

cnforccmcnl. The parties agree 1ha1 either part~ ay bnng dam1' a!(aittsl th<' v1hcr only 111 hi, 'hc-r or its 1mhvidual 

~·apacity and nm as a plaintiff or dass mcnlher n any purp,.me<l c:la>, or rcpresentatiw ['l\l!'et.--ding Further. 1he 

p,rnic, ;igrce that the arb11ra1nr may 11,,t con,,,11 · te procectlmg, ,,f 1nlir.- lh,tn one pcr,on';, ..-laim,. ,u,d may not 

(•thcrw 1se prcs1Jc 01-er an} form or rcpn::-emativc ,r class pwcecJ111g. Thc partic~ shall sh;1rc the C<1st l not allomcys' 

kesl of artnmition cquall). In the cwnt a part_ fails 10 proceed \\tlh arhi1ration. unsurc~·,.,fully chalknge, 1h,· 

art11trator', aw~rd. or faib 10 rnmpl_1· \\ 1th the arb r.itor\ ,mar(!. th.: ,,th.:r ,,any i, .:nlitlc,1 to cn,t., of ,mi. 111,ludmg 

a n:-.t,,011abk allomc~ 's ti"' for h,n 111g lo l·ompcl arbitration nr dcfrnJ or rnfortc th,· ;I\\ ant. 13indmg Arhitrnti,,n 

mean, that hoth panic, gi,c ur th.; right to a tnal ya jury. It also m.:ans 1ha1 both part1c~ g1,e up th.; right to app,·al 

from the .irh11ra1c,r\ rnlm~ except li•r a nam,w range of 1,.,uc, 1h.it cun ,_,r may he .ipp,•alc,I. Ir al,o mean, that 

Jisn>,c-ry may bc "'-·vcrdy limited b)' thl· arbilrnl ,r Tim, 'l'd1,,n and the arb1trnlmn n:,1mremcn1 shall ~un 11.: any 

terminalitm. OPT-Ol.'T PROCESS: You may c >osc to ,>pl-out of thi, Arhilr.:ilioo Pnwiston hm only by following 

th,· pro..-cs, ,c1-for1h hclow. If ym1 do m11 wish TO • ,ul,_ject l<) th,, Arhi1rarion !'rm ision, then y,m 111usr 11ot1ly u, in 

v.-ntrng u11lun thirty OOt c.tlcndar days ,,f th..: dale of thts A)!rt.'cmm! al the lt,llow111g a,idrcss: AHK. AunCu~lomcr Ser~icc. Ji l l'rnfc,sional { ·enter Drive rl200 R,,hnert Park. CA Q4<11R. Y,mr wrillcn nmicc musi include 

your 11;1mc. ,1ddrcs,, the Jatc of this ·\grl·cmcnt. nd a ,1g.ncd ,rarcment thal )Oil whh to opt ,1111 ,,! the Arbi1ra1i<1n 

Pr1n·1,ion. If you choose lo op! out. then ~--our ch,)t ·c "ill apply only 1(1 this Agn·cment. 

9. huirc Agr,~111c:11t By ,inuc of(ltcr11·, ,;1gnal m: helm,. ("lient ad.no1,lcdg••., that hc·,he has read, un,kr,1a11J,; 

;mcl agn:cs 10 c1 cry h·nn, . covenant am.I eund11ion ,fch1, ,\grccmrnt and that he ~hc has r<.·cei,cd a true and compkt,· 

copy hereof. cffcctive ,ln the date below. Thi~ a cement i,. the only agrc.:mcnt l>ct1\ccn the parties anJ 1hcrc h 110 

,,thcr ,·,,llatl"r,11 agreement rnral or wnncnl t>ctwc •n the pa11ic, i11 tiny manner rdatmg 1,1 the wh1,-...:1 maner uf ch1, 

agrcc-nt<:"nl If any punion of 1his ,l!,-'.l'l'Cmcnt is h Id to be im·ali<l ,H un,:nforcc-ahle. Lhc rem;unmg prnvis1,m, "tll 

remain m effect. Th.: panics mutuall~· undcr~l nd and agree that a focsimil~ cc1py s1gna1urc or an l."kc·tmnic 

,tl,!nature 1111 th1, agrt·emcnl ~h.ill b,· clcen1<.-it an or gmal fr,r all lawf'ull) cnt,,r,·c;1hk ptirp!l"<.'s 

lit Cm~dlat1on Poli,·y I. the Client. ma} .:am: ·I thi, co111ra,·t at any tim.: prior to hcing apprml."d for a Fedo:r.il 

Stud~m Loan Cone.ulidatiun. or any other l>c:1,a 1ncnt ol· Edu~alion r,-raymcm plan nplton ~Kh1ev,'li on Chcot", 

hch:tlf. and n:~ci, t a full refund 

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Page 1 of 1 

11/14/2015 

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 21 of 25 

Complaint Exhibit H-21
OocuSogn Enwlope ID 

11. L101ita1ions on Damages: AFBCs liability und r thi., agr.:<'m,ml and.'or relating ,Jir,-.:th or indir<.-.:tly to ( 'licnt\ 

pat1inpat111n m the S1mkn1 L,,an Cons.,lidation P •gram. urKkr any th,.-ory vr liability rcg.:mlmg ,tn) claim by th,· 

Client i~ limttc,I to 1hc amount ,if Ii.'\:, Jlilid by Oie I to AfHC The Panics agree 10 !le conlrnct1~1lly hound to such 

limillltion on any damag.cs. and :igre.: not to dc1 nd or allt·mrt to re<:owr :iny amuunt in cxc.:ss nf su,·h. This 

,,c,:tion , hall survive termination. 

12. f11forn1:1ti,in Authon;_aoon: I h,·rcby uuth<,nt Aruc 10 ,c:ril\ m) pa,I prc.l,('nf crnplvyment cam111g~ r,'l.·ord~. 

bank a,:counh. stod: hi)Jdings. an.t any other a,s balan,cs that arc ne,•<kd to pro,.:c,-, my F,"tkral Stud,.-111 l..o;in 

CmN:ilid:ition. an.h•r other rC'pa)·mcnt plan pmgrn a,··ailabk to client. The infonnation AFBC obtains is only to b,• 

u:-.:J in 1l1<: pr<l\:Cs~ing of my applKat11•n for J F <kr,11 S1uden1 Loan (.'uns{ili,lalion or ~n} och,·r rep.~~mc!II plan 

program throuiih the DOE. and AfBC doc;; 1101 pr ,idc an~ form nf .:r.-dit rcp;m. credit score cnhan.::cmcnt. or dchl 

n:hc[ 

I J. LcgJI :\ulhllr11..alitlll h•m1: This f"onn will . ·rvc- lo adrnowlcdgc that the bdow Student Loan borrower Im, 

,1uthon1ed mtr c"mp,iny, ,\m.:r,c;in l'mancial I cndi,~ l'cnrcr 1,\fl.lCt to act on 1hcir l'><.'half to apply for 

consolidation c,f their Federal Srudcnt L,1ans, :md r 1>thcr rcJXlymcnt plan program., available to dicnt. Client has 

lx:cn ad, ,~d that orn:c .ipprO\l-U for the fcdl!ral S 11kn1 Loan Con!,Ohdalion. and:or other rcpa} 111<:nl plan proirarn. 

the ('iicnl w,11 rl!cci,c a si~ty ((>{II da~ fnrlouiih be iirc payment, will ~tart. If Yl'U have ,Illy qu.:~tioth rcg:ard111g thi, 

Federal Student Lnan C11nsolid:11ion Program. pica · rnntacl J\FBC at I -~lMl-H!k-1·1\lO. 

BY SlfiNINfi BEl.OW(ELECTRONIC,\LI.Y ( PIIYS[CALL Y1. I HERF.B\' AC'KNOWI.EDGE THAT I 

HAV[ SOT Bf.EN ADVISED 8\' AMER CAN flNA:"iCl,\I, BESEnTs n:l'TER. ,\!\\' Of ITS 

AGE'liTS. ASD/OR ,WFlt.lAn:s TO 1-'<)Rt: 'O A STl:01:Sr LOA'li PA\'Mt:ST l'I D:CIIA~<;f: t'OR 

THt: (;OOI) FAITH PA \ '\If.ST ASD n :o :RAI. STU>tsr l.OA"li co:,souD,HIO'li PROCRAM. 

Dl1Rl,G THIS PR(KESS, CUE~"T IS RES ,stBLE FOR MAKING HIS OR HER PA Y:\1£:"iTS, A"D 

t'All.liRt: TO DO so ('Ol\l.D OISQl'Al.lf·\ nu-: Cl.lt::".T FROM OBTAl:-.ilNG nu: SERVICE THAT 

WAS AGREED t:PO~. I FL'RTHER ACKN WLF.DGI'. TflAT NO Gl.'ARAr-iTf.ES CONCERNING THE 

Sl1('(1'SS OF TIil LOAN (.'ONSOLIIM rt< ' II!\ \T. HU'N PRO\'l[}J-:1) TO !\ff US BY AMl·.Rl(.'AN 

FINAN('[AL BENEFITS CENTER. AND/OR ANY OF ITS AGENTS. ANIH)R AFFILIATES AND A 

POSfTIVI' OL"f(UME IS NOT ( ilJARASTE '.D. I. TIIE CONSUMER. IIAVE UH:N EXPLAINED TIii, 

Pl<O<,R,\r-.l IN n :1.1. ,\ND TO MY SA l'ISF'AC 'ION. 

Page I of 1 

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.,,«.)p~:,p ~ -'c:!i::0~&:::p1d=Uec3a9ad-cafa ... 11/14/2015 

Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 22 of 25 

Complaint Exhibit H-22
Page 1 of 1 

OocuSign Envelope ID: 

7 :11_ ~ .. .l Enter your f~mlly size (as defined in Sectioo 8) 

Nott: d l'0U oo not enter your family size, yrur loan holtler{s) will a !amly sin of or,e ~or purposes of lhese repayment plans. yoUf family s12e may be 

di!lenm1 Imm the number of exemp!Joos you Claim on yixn ledeia! tax r By signiog U'!is form, you are cef1jlymg 1hld tl'!e ramdy size you en1e.t above !S co<re<.t 

8 D,d you fiie a !e<lel'al ll'IOJmil taJ< retum for 8'ttl8r of the 1wo 1Tl()5! reca y com!)leted lax ye;irs? 

[8l Yes - CO'\t,ooe to Item 9 

D No·· Skrp1o Section 5. 

9. Is your current n::ome or your $pouse's cu!Tem income id you romp! 

111coo,e used kl de!emYne Ille Adjusled Gross Income· tAGI) reported to 

0 Yes - Conbm,e lo Secbon 5 

C&l No - P=ld-e yow mos, recenay filed 1ederai 1t1come tax relum 

'You can find usted Greis lnwne on most re f'tltld IR 

To be COtrlfJl.twd ii (1) Voll did not ni., tar,t income ru r.nim 

fUed ftderal lncom. ta return dots no/ rus~ lflllct your 

o, (3) yo11r loffl holder(sJ Informed you 11111 atwMtlvt docinnenr. 

10 Do you have taxable mcome? Ched\ -~ • 1f ( 1 J you do nol have il!IY 

su/)IJM. or ledl!fal or Slate ll'J()l1( illSSiSlance). Of 13) are !lOI req\Slfed to 

0 Yes - ProviOe documentation of tt>is income. as described belot.> 

0 No - By signing ltlls foflTI. '/00 aie certifying thlll yOU ~ no lax 

y'OIJ.( ta~able 1r.,co1M 

11 If you are married ~ completed Section 3 or file a JOlfll feoetal · 

'f)J! spo..,S& ooes nol haw any income, i2i recetve5 only unwed ,noo 

ass1Slance). or (3) 1s no1 l'l!QUi~ le file a federal ,ncome tax retutn ba 

0 Yes - f>r(Mde oocumentat'°" of your spouse's income, ilS (Iese 

0 No - By s19nll19 this form. 'f(}.x Spoose ,s certlfymg that heishe h 

h1s111er taxable income 

Section 3 or ~le a Jilin! fl!dera! 1t1come tu retumJ sigMICll!'Hly ddfenttlt 1Nln the 

IRS on your most recently fiied federal income tax re1Um? 

IRS ta~ rewm transcnpt ~ to SectlOl1 6 

tM two most-tty Comp.wad Ill~. (2) 'fOll' AGllrotrl 'fOIJllllost-ay 

Income (due fO ckcumstMlca ,vch ,s the loss at Of c,-,,, Ill IIIIP'Dflllfllr>, of""-" l'l(JUhd. rome, (2! receive only urnaxed ,ncome (such as Supplerneola! Secunty Income, child 

a federal income la)( retum based on the amount of your taxable 1<1come 

le 11\COO"(j or are t>Ot reqLP!ed 10 fne a federal i!lCOme tai return base() on the amount t'f 

tax return w'11' y0U( spovse, does yovsooose ha.-e ta)<lt)le income? Checi! ·t,;o· d (1! 

(iucll as Supplemental Seo.lri[y Income cnik! support, or fe.1eral or state pulllic 

oo the amount ol '11,/her ta,cable income 

bemYou must provide docurMntaoon al aM taxable ,ncome 11181 you currendy eceive Imm a~ sources {fol elampte 1ncom,i from eml)k)ymenl unemployment 

income. d!\'ldeoo !tlCOOl8, lfltefflsl income ti()s, atimonyf. tt you are and corrq;ileled Sectiorl 3 or file a JOl111 federal tncome tax return, 'fO.J must also 

provide doc;.umentabon ol '/0.#' S!)OUSe s tallable income. Do not report eel im:cme tud't •~Security~. child tuppo,t, or 

fedet1I o, stall public Malstance 

You mus: provi(le one piece of supporting doc\Jmentavon fOf each sov 

stubs a l&!teffsi from yoor employetls) lisnrig income. ,nter9$! or bank SI 

uoavallable. attach a s,gned stm!rnent from you or your· S!)O!Jse expla,r, 

Unless !he fnlQuency is ~Y irdicated on 1he documMlabon tna1 you 

exlltl'IPle. ·1w1ce per manll;' or ·evllfY oltier wee«· The dale oo any 

n 1his bm s of documel1t!b00 are table 

• I rtQUHt to use the plan l seieC1ed in Soclion 2 IO f8P,IY my e!Jg.ble 

selected 11'18 option !o all~ my loil!1 hokler(s) IO Choo$e my plan. I 

1f more than one plan provides the same irubal payment amount. I un 

payment amount lower'" ~ubsequent years. 

or inoome iyo.Jf alld your spouse·s) For example. documentallcm inciuoeS pay 

ements. or di~1dend statements If lhese fcfms or dooJme11tatlon ar& 

the income sOUf'Clli s) and Q!\1'119 1he name llnd the aodress of 1he $01.1rce<s) 

de. Wfira on yourdOCl.lmentalioo howcllen you l'l!'(;lll'tle lhe 1i>come, loa' 

ning documenlabon you provioo mus1 be no older ttian 00 days fmm ll>e dale Y<l\J 

oc1 LOiln or FF'EL f>log,am roans held by the hClldef(s) to wn;ch I submd th:s !oml 111 

my loan holdel(s) to place me in the plan ""111 ~ lowest monthly paymen1 arnoum 

tha1 my loan hlllde< will choose itl!l pian !hat ,s loil;ely to keep my monthly 

• I unclerst,nd ltlat (1) 1f I am arnenng repayment oo my ioan{s.1 for fim time and do no1 p,uvide my loan holclet!s) w,tti this completed form and an} otnl!f 

ClocUmenlatllll'. reqwred by my loan holde!js). or 1f I do /IOI qualify lor repayment plan Iha! I requested, I wt« be placad oo Ifie Slandard repayment plan (see 

SectlOO 8) (21 111 Q!l'I currenUy repay,ng my loan(s) unoer a different ~meot Jjan and want ID Ghallge lo !he repaymeflt pl3ll I sejecle<l Ill SeCl1()ll 2. my 

loan hctderfsf may giant me a loro&arance 10( up to 60 dilY$ to COiiect process documentattOO Sulll)()f1lng m-,· reque!l for the seleaed piall I am ~ 

required to malte IOall payments du,mg this pe,iod ol fort)earance but tere-.t llriR comif1'Je to accrue 0111)3,d interttSl ttial accrues durl1191hi$ maKimum 60-<la~ 

foroearance penod will not be capdakzed (see Secllon 8) (3) I! I am 111Quent lfl making payments under my current repayment ~an at the time I request one 

of the repayment plans bsted 111 Sectl0f1 2. my io8l1 hok!ef1s) may gran me a tofbearanoe 1o oover any payments lha1 are overnue. °' that would be we, at the 

time I enter tM repayment plar1 t reQUes1ed Unpaid ,nterest lhat ac dunr,g this lort>earooce penod may be cal)ila!llea (4) If I am requesl]ng the ICR pl&ri, 

my 1rlltial pa~moot amount #ill be I~ alllOlJt11 of "1terest thal ~ montl\ on my loan(s/ U11til my loan holder recel'l'es lhe income oocumentaoon 

oeeded lo caleulate my !CR p~t amount I! t cannot afford ihe i fflteml paymems, I may reques1 forbearance by a:mtactmg my toa,, holdttf 

• I authortze the enllty to -M1idl I $utlmit mis reque11t {,.e, :he scnool. 1 lender. ttie guarani}' ~cy lhe lJ S Depaltnenl of Ec!ucaoon, and thei1 respective 

agents aoo COfllr!Clorsl ro conl!lct me reganjmg my reqlJt!SI o, my loa sL ioclud;ng repayment of my loanfs1. at 1l1ll number I/lilt I p,oY<oe o,, !his form rx a:iy 

future number tha1 l provide for my cellular lelepiione or ottler Wlf\lless using automaled telepnooe dtaltng equipmen1 c,, artificial or prerocorded 'IOCe or 

lex! messages 

• I ctftify ltlar ~ ot the infolmabofl I have provi(1ed on tills lorm and 1n y aCCQ(l'll)anymg documentallOn is true. complete, and oomIe11o the best of my 

knowledge and belief. 

Borrowtr'1 Slgnaturw 4/23/2014 

oo~t1em11 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 23 of 25 

Complaint Exhibit H-23
DocuSegn Envelope 10: 

··········-··-····-··· · ········ ------

SECTION l: CERTIFICA TIOH OF EIIPtOYfifENT 

See Se<:toon 3 of ~ accompany,ng ln&tnx:1,ons /or Campiet>ng Emp/o 

&,rvieo toan F"OfV!V?JN~Ss k:lr d8trttltt4 1nJormat-C:m o" ~ :hi~ 

Thil!M }r1$flUCtrorM atl!I ~ 1fKJ" bl ~'WIN S:h.-(w.'01/tti! t!d fN·t"'.1,,l,hok~f 

lnaui,ctlona lot Au1honzed Officlal: 

Page 1 of 1 

Soirow-er SSN -.LL.I t._L__l·,._; _ _1_1_ , 

AA av!llonze<1 0'ff>Oal (s"" S«toon 5·, of IM pub!,(; -.>e<i 

O<gltniuhon at....,.,, !he oor..- .,.,'Wit$ l!mp/0\'~d mu•1 

r-Aln~11f!t.,, IM v.<:hon 

Cornpit!IIP 

~ 

~h11io h')rrn only ~ ~ a.-·111 :j,r'l ~tnori-NJd ornc...1 of ttte ~,1~11: l!W'\'ice 0tgani.;t:at1on ~ wthch tti~ t,om;w.,er iC1ef1fified 1n 5,ect,oo 1 r.i-,\,-.J$ empio)"t!rt -or ,r ttJe 

•s.l'N".a~ » tun--11m& AmtltrCOtps a Pfl.ftC.11 CetJ)" voJuntAt'W' . .11 ~n: .. d onic~ tJt A-~t. ot trie P~-e Cot~>S. 

R--i !he delin,;,oo.,; 1n Sectoo 5 t,o,fo,e complac1ng th<• form. 

Type 01 Df1nt l;$1ng ~ QII bLJi(;k .lflk JU ttOld's mv'-1-t be comp!~ rt 

Prov~ aa ~ueSbtCI ~uon tor ne-m, 1. 2'. and 3 betow comp 

cannot be proce&Wd ,, 1~ •rt-formatfO,, r&q~ed 1n tn.1 Met1on i, m 

,~ ~ou ma~e any cha~-. to lhe lnfmmaoon '(OtJ PfOY«'Je in n-..~ VM:t 

PluM 'ffllffl Ill• compi..ct fotm lo IN-· The US Depa: 

(j/JCLJ1rw,ntat:c.m 

ln•l>'ucUoc,a tor ao,..,_ ,..,.., -. I• no A"""'- Otllcl#; 

h~bl~ Y<X>t signaturl'I "al" mu~t 1nckJr:k mor1~h ~¥ and yec,1 {Mt.f.oo. YYYYi 

The Empioyme,nl Cert'llcaloon to,m 

you mtss.t inltutl each ct,a-,-.ge 

t of Educalic,, or tt1'! PSLf """'"' '" may conu•c: I'°" io, add>liOI\Q! .-.fom!aiKlr. o, 

0 Chm':\ lh~ 001' lf ,-ou 1't1!1 ~mablrl, to ob-Ulkf1 ~u;•t<1in 1,om an ilu hc,:,in,cj olfie;~_ tor ilJC.)m~ft. t>tuAtU~ th« ,~nil3t;(ln NJ le.mg• e).1~\s Pr()1'1(k,- ~ fOQ!ftl~t,;d 

inrom\iloon fcK l1ums 1. 2 and 3 t,ol.:,w for ,i.,,, 1 '-"' lho o,g,o,,Ju • .-e .. from wt,,,,, '/OU _..,, tt,- """ corn,ult )'00' W2 ,tl>C()<'rjs J,:,r IN> EIN Tile 

De 11"*11 w,11,., • ou to ,ubmil 8'Jdll><mal e•>df;n(:• of ur · $m I nl. Oo '10l wbrNI ,u · docume,,t,s un1lf, ll<l to iJo"' 

Public S>!fVJCe Organ.zabon Name 

Pubilc Serva, Orgaruza1,on Addmss 

2. Boirower's Employment Slaws. 

(af Dates of etnp!oymunl 

iDD-MM.YYYY ) 

Start. ..LJ·L 

(bl Borrowe{s ~pto~men1 stat'.JS Bl !four Dfganization· 

0FuA-Time 

0Pan.TIIM 

F"' purposes of eligibd,ty k,t PSLF, fulMlrntl empl.oymem i~ 

t 11 ~c,rJ,,_1\"lQ ·~, ~·.Ja11r~ l!ftl~'1oyrrot!'1~ ,tti 1)11-e ~ !"'n0!'9 ;'OM: r (II.I An ar>nLiltl ave<ag& of at leHI 30 houn, per-· 

W<Wik.or 

(BI Unless the Ql.>lll•tvmg em{)loyment ,~ "''"' flOt) 0< . 

t2) Vacabon or leave llm• provide<J by the em(Jloy,i,- or lea 

Le,i,e Ac! of 1993. 29 USC ~!2(a~l>and (3) ,. ,eq~ 

NOTE: A full-ltme AmenCo,ps 0< Peace Ce<p,; volun!e<>r 1s 

Li End L._I _.J l ·- ·· ·J. [. , .... ··--·_L _i Pf 1he t,o,,-" still employed put loday s date) 

Average numbttr or riours Pft'!" week 

finedru; 

loo g,aal~f i,j 

. for a contr""1ut!J or emplay=t p,,nod of A1 leas, 6 mo,,tt1s. an ,..,.,rage of 30 Murs per 

e 10mP'(>ye<s tne number of N)vfs 1M 11mp1oyt>< con51o,;,s fu/H1me 

lal<an fo.- a conmoon Iha!,,. a quaMymg roa1!i0r\ for laiJVe un<klr u,,, Fam,ty and Medical 

"""'t to "°""' 1N0'1<c,d .., ...,a111y01g empioymont n5odered a lulHime empjoyee fc,, e"91bli,y purposes lo, PSLF 

3. Type of Publle S.rv;c. °'9anlulion, in lle<:Onia...,. wilh tt.. do,finl\lon in Sedion 5 fc:tleck onel: 

(a) D A goYernrnaftt 01'91'1Mutlon l"'Cli,d,r,g a Fede<al, S re. locB! or Tnbal o,gamunon. ager,cy o, er.t>I). 3 pool><: cMd or family serv= sgency a, 

a T r<bat cotlega or uoivar'&i!)' ): 

1b) 0 A non-t)nJflt, tn: .. arnpt o,pnlution under S.Ct 5011clf3) of t!l• lntemal b-.. Coda 

( c i O A pnvm, non.profit org.antutlon (that-.; oo a 1a 

=•ices (cll&CI< au tt>.tl apply) 

0 lam...-gency m;mag,,ment 

0 M11iU,ry st,tvlCC. 

0 Public safety. 

Cl law rui,o,ccment. 

Cl Pvt,hc ,nteresl law se,-,ice,. 

Cl 

8 

Ea~y ct'IIIIJl'()()d tld!JCallOll (inclu,Mg Ileen ,;(] Of ,ogvl.a,00 ctulO care H<U>O Start. aM Sl0hHU<>oed Pte·~tfl00rg31'1MI. 

Public """""" lo, individuals *'1h d""'b, and th<, <tld8<1y. 

Pul>lte he,iltti f,nclud,ng nut!leol. nvrse fJ( a11oners nutses ,n a dmk;ffl s,ett\ng . .-od fulH>me, profe$~,ona,s efll)ll\}ed 11, he.illtl r.;ire 

p,a<;ti~oner o,;.:upalioos aod hNHP> 5<JPP <I .,ccupabooo. as 5Ud1 terms aN!I delinad br the 8ur1tau OI Labor StaUst,cs 1. 

0 Pub/le e<1uC1Jt,on 

Q Public library serv,ces. 

Cl Sd>ool >bra,y seMces or 

CJ Ol"9l scllool-t>ased s,,rv,ce~ 

NOTE a$ lo ~.a1egories lb.> Md (Cl a oorrowe(s employmonl ooos ol qu,My ~ me :;11:,,,owe,r's Joi:> ,1uues ~re related lo ret,g<(Ju.~ ,ns:ruct,on wo<Sh>O ,ie,,·1c,i,s, 

or any form of prosal)l!lzmg 

I ceni!y that the bo,row.,r idenlifili'd in S9Chon 1 abOVe 15,'wa• empl 

A.-oo,,Co,ps or Pear;e Cot?$ ~~,()(I 11n accor~ ...,,n tM de/,o 

I \ 

·Au,honz:d 

a, a pubtfc l!!ie<vica otganizabon. as inchc:.a~ed abQVEI _ or 19_iwas ,erving in an 

ns of mese terms w1 Soc1ron 5) duong !t'8 per!O<l .clfmttfle<!"' n6m 2{a) of th<S $OCbo" 

Pilq02 o'4 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 24 of 25 

Complaint Exhibit H-24
OocuS,gnE~IO 

Pagel of 1 

(lt,111 N-0 1&4~01 \() 

fom, A(>- E•p Culo 1 , ,')012014 

• Employment Certrflcation for Public Service Loan Forgiveness (PSLF,r------~ WllU•m 0. Fon:! Feci.tal D.,_c:1 l_, . WARNING: Ally person ""1o ~now,ngly m11b$ false statemeol o, mwepresentallO<l on ,~ form 01 O'l any BCCompanying ctocument• 1$ sut,je<-'t 10 peoalton INII may .,c;fude linet.. 1 rnent. or bolh. under tt>e U S Cnminal ~ ¥Id 20 U. S C I 097 

j INSTRUCTIONS FOR COIIPLETIHG A.ND SUBMITTING IS EMPLOYMENT CEflTIFICA TION 

. Read ,tie 11Coomoa"Yin9 in5tructio'1s f(l( con,p~ tlll9 E oyment Certillcatio'1 k>< Publ,c Service Loar, Forgiveness Type or print us,r,g bit,., 

=. °' bl8cl< in!(. Yoo must~ and ciate tilts form in Secbon 2 a,, eut!>onZINI offio.'11 from lhe publtc service °'liBf'iZilllOI' whleh 

: ompk)ysiemplo'fi'd you must complelefy f.U out. •lgn. and d e S6cooo 3 If any Jn!onnalioo ,s cros-.ed OU1 <>< allered "' Sect,oos 1 or 2 you must 

· .. inib&l.beside tile cne~~ao_y_chang_esin_SflchooJ.must be .. aiai..<I b_y_youremp~; .... - - ................... . . .. ........... -·· ................................ ... . . 

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SECTJON Z: BORROWER'S CERTIFICAOON REQUESTS, UTHORIZATIONS. AHO UHOERSTA.NOINGS 

--- . . -- - I 

s.tore signing, c•refllHy 1-..d tM MUre form, Incl ng tM lnslnlcf#ons and .ccom,,.nylnfl ,.,,.,., 

I request that the Public Serviee Loan Forgi11eness se ·cer. on behalf of the US Department of Education {the Department). 

accept this Employment Certificalion from the pul>hc se ice organization at which I am/Was employed for purposes of qualifying 

me for the Public Sef\li<:e Loan Forg111eness Program. I submit this form before I am e~gible to apply for lorgrveness. I request 

that the PSLF servicer retain this certification form unbl submit the Application lor Pubhc Sen/ice Loan Forgiveness. 

l authorize my employer(s) or other en\lbes havmg r 

forgi11eness to make information from those records av 

servicer. I also authorize the Dopartment and its re 

CertificabOn. at the current Of any future number that I 

telephone dialing equipment or artificial or prerecorded 

I und•rstand that 

rds about the employment that is part of the bas,s for my request for 

lable to tile Departmen1. including the Publi<: Service Loan Forgiveness 

,ve agents and contractors. to contact me regarding this Employment 

vide IOf' my cellular telephone Of' other wireless device usmg automated 

oice or text messagas. 

(11 f may only qualify for Pvbhc Service Loan Forgrvene salter I have made 120 separate. cm-time, qualifying monthly payments 

on an eligible Direct Loan. afll!t._9ctobl!r . .!. 2007. wh employed full-time by a public service or:gan,zatioo(s), or servIn9 in a luH·llme AmeriCorps or Peace Corps position. in ance with the definttiOns ,n Section 5. These 120 payments do not 

have to be consecutive: 

12) I must be employed fulf.fime by a public s&Nice or ization(s) 0< serving in a full·lime ArneriCorps or Peace CQfPS position at the time I apply for loan forgiveness and at the time forgiveness is granted. I may be employed part-time concurrently by 

more than one eligible public service organization a meet the full--llme requirement: 

(31 Only the remairung balance of my loan/s} after I hav made the 120 separate. on-time. qualifying monthly payments and met 

a.ti other eligibility requirements of Uie PSLF Progra may be forgiven; ('I I am not required to submit any Employment Certific tion(s) before applying for Joan forgiveness . but ,t r do. the PSLF sarv,cer will review each Employment Certification I submit I ensure U,at it is complete. will verify that my employer qualifies as a public service organizabon. and that the loan payme ts I mlli.le dunng the period covered by the Employment Certrf1r:11tion(s) 

are quahfying payments. Following this re\11eW. the SLF semcer wtll nobly me in writing or eleclronically of \he "umbel' of qualifying payments I have made while employed in alifying public service and the remaining number I must make before t 

am eligible ro apply for PSLF. I will also be nolifiad i writing or electronically if the PSLF servicer delerminos that the !orm(s) I submrtted is mcomplete or that my employment doe not meet the qualrfying cnteria, tnciudmg the reason(s ) for the 

de1errnInation(s), along with the steps I woold need t take to complete this form. correct th,s inrormatlon. and subrrut the 

corrected or add410nal informallon to ltie PSLF serv er; ano 

(5) The Department will only oetermIne whether 1 have llilled all of the requirements to be el19ible f0< PSLF after I have mace all 

120 qualifying payments and have submitted my loa forgiveness application I understand that the law does not permit 

partial forgiveness based on makmg a lesser numbe of qualifying monthly payment$ wtiile worl\iog at a qualifying publ.c 

service organizatiOn. 

ON (MM-OO•YYYY) 

https:/ /www.docusign.net/Signing/Rasterizerl age.aspx?p= 1 &d==96&pid=d068a441-e99 .. . l l /14/2015 

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Case 4:18-cv-00806 Document 1-8 Filed 02/07/18 Page 25 of 25 

Complaint Exhibit H-25