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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 1 of 20 

DAVID C. SHONKA 

Acting General Counsel 

SARAH SCHROEDER, Cal. Bar No. 221528 

ROBERTA TONELLI, Cal. Bar No. 278738 

EVAN ROSE, Cal. Bar No. 253478 

Federal Trade Commission 

901 Market Street, Suite 570 

San Francisco, CA 94103 

sschroeder@ftc.gov, rtonelli@ftc.gov, erose@ftc.gov 

Tel: (415) 848-5100; Fax: (415) 848-5184 

UNITED STATES DISTRICT COURT 

NORTHERN DISTRICT OF CALIFORNIA 

OAKLAND DIVISION 

FEDERAL TRADE COMMISSION, 

Plaintiff, 

vs. 

AMERICAN FINANCIAL BENEFITS CENTER, 

a corporation, also d/b/a AFB and AF STUDENT 

SERVICES; 

AMERITECH FINANCIAL, a corporation; 

FINANCIAL EDUCATION BENEFITS 

CENTER, a corporation; and 

BRANDON DEMOND FRERE, individually and 

as an officer of AMERICAN FINANCIAL 

BENEFITS CENTER, AMERITECH 

FINANCIAL, and FINANCIAL EDUCATION 

BENEFITS CENTER,

 Defendants. 

Case No. 4:18-cv-00806-SBA 

RELATED TO: 4:17-cv-04817 SBA 

DECLARATION OF DANIEL 

STINER IN SUPPORT OF 

FEDERAL TRADE 

COMMISSION’S MOTION FOR 

PRELIMINARY INJUNCTION 

DECLARATION OF DANIEL STINER IN SUPPORT OF FEDERAL TRADE 

COMMISSION’S MOTION FOR PRELIMINARY INJUNCTION 

4:18-CV-00806-SBA 
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DECLARATION OF DANIEL STINER 

1. My name is Daniel Stiner and I reside in California. I am the Director of Trade 

Practices for the Better Business Bureau serving No1theast California ("Sacramento BBB"). The 

following statements are within my personal knowledge and if called as a witness I could and 

would competently testify thereto. 

I. ATTACHMENT INDEX 

2. The following is an index of the documents attached to my declaration. 

ATTACHMENT DESCRIPTION 

Consumer Complaints 

A Consumer complaints about AmeriTech Financial 

Consumer Con espondence 

B April 27-28, 2016 emails from Melissa Wells to the Sacramento BBB 

C May 26, 2016 email from Maiy Mai·ks to the Sacramento BBB 

D June 2, 2016 email exchange between Timothy Jones and the Sacramento 

BBB 

E August 20, 2016 email from Deana Noble to the Sacramento BBB 

F AmeriTech mailers the Sacramento BBB received from Na'cmTia Nowlen 

in Januaiy 2017 

G Januaiy 23, 2017 email from C1ystal Hai-p to the Sacramento BBB 

H March 23, 2017 email from C1ystal Hai-p to the Sacramento BBB 

I June 5, 2017 email from Carlos Clara to the Sacramento BBB 

Con espondence with Fo1mer AmeriTech Employees 

J May 26, 2016 email exchange between Comtney Johnson and the 

Sacramento BBB 

K Recordings of Christina Pfeifer' s May 31, 3016 calls with the Sacramento 

BBB 

L Transcripts of Christina Pfeifer' s May 31, 2016 calls with the Sacramento 

BBB 

Stiner Declaration - Page 1 

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Correspondence with AmeriT ech 

AmeriTech' s application to the Golden Gate BBB 

December 14, 2015 email from Brandon Frere to Daniel Stiner attaching 

AmeriTech's "primaiy contract and payment authorization" 

December 16, 2015 email exchange between Brandon Frere and Daniel 

Stiner regarding AmeriTech's refund policy 

May 13, 2016 email from AmeriTech Suppo1t to the Sacramento BBB 

May 17, 2016 email from Thomas Knickerbocker to the Sacramento BBB 

May 25-31, 2016 email exchange between Brandon Frere and the 

Sacramento BBB 

June 2, 2016 email from Thomas Knickerbocker to the Sacramento BBB 

June 7, 2016 letter from the Sacramento BBB to Brandon Frere 

June 8, 2016 email from Thomas Knickerbocker to the Sacramento BBB 

June 23, 2016 email from Robby Birnbaum to the Sacramento BBB 

June 24 and June 30, 2016 email exchanges between Franklin Homer and 

the Sacramento BBB 

July 6, 2016 email exchange between Franklin Homer and the Sacramento 

BBB 

Call between AmeriT ech and Patricia Olsen 

Call between AmeriTech and Dale and Susan Olmstead 

Call between AmeriTech and Timothy Jones 

Transcript of call between AmeriTech and Patricia Olsen 

Transcript of call between AmeriTech and Dale and Susan Olmstead 

Transcript of call between AmeriTech and Timothy Jones 

July 18, 2016 email from the Sacramento BBB to Franklin Homer 

July 25, 2016 letter from Robby Birnbaum to the Sacramento BBB 

July 25, 2016 email from Sacramento BBB to Franklin Homer 

July 27, 2016 email exchange between Brandon Frere and the Sacramento 

BBB 

August 2, 2016 email from Thomas Knickerbocker to the Sacramento 

Stiner Declaration - Page 2 

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BBB 

Janua1y 9, 2017 email exchange between Brandon Frere and the 

Sacramento BBB 

Febrnaiy 28, 2017 email from the Sacramento BBB to Brandon Frere 

Mai·ch 17, 2017 email from Christopher Meier to the Sacramento BBB 

April 5, 2017 email from the Sacramento BBB to Christopher Meier 

May 5, 2017 email from Christopher Meier to the Sacramento BBB 

May 23, 2017 email from Thomas Knickerbocker to the Sacramento BBB 

June 5, 2017 email from Daniel Stiner to Christopher Meier 

AmeriT ech Mailer 

Mailer a Sacramento BBB employee received in May 2017 

3. I use the following abbreviations in this declaration: 

a. AFBC - American Financial Benefits Center 

b. AmeriTech- AmeriTech Financial 

C. BBB - Better Business Bureau 

d. Golden Gate BBB - Better Business Bureau serving the San Francisco Bay 

Area 

e. Sacramento BBB - Better Business Bureau serving No1i heast California 

4. I mention the following individuals in this declai·ation: 

a. Robby Birnbaum - AmeriTech's attorney 

b. Carlos Clai·a - consumer 

C. Patricia Eisenba1ih Olsen - consumer 

d. Brandon Frere - President and CEO of AmeriTech 

e. C1ystal Ha1p - consumer 

f. Franklin Homer - AmeriTech's attorney 

g. Cominey Johnson - fo1mer AFBC employee 

h. Christina Pfeifer- fo1mer AFBC and AmeriTech employee 

1. Timothy Jones - consumer 

Stiner Declaration - Page 3 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 5 of 20 

j. Tom Knickerbocker – Executive Vice President, AmeriTech 

k. Mary Marks – consumer 

l. Christopher Meier – AmeriTech’s attorney 

m. Elizabeth Nichols – Trade Practices Specialist, Sacramento BBB 

n. Deana Noble - consumer 

o. Na’Curria Nowlen – consumer 

p. Dale and Susan Olmstead – consumers 

q. Melissa Wells – consumer 

II. BBB BACKGROUND 

5. The Better Business Bureau (“BBB”) is a private, non-profit corporation whose 

purpose is to promote fairness and honesty in the marketplace. For more than 100 years, the 

BBB has helped people find businesses, brands, and charities they can trust. 

6. Among other things, the BBB helps consumers resolve disputes with companies. 

The BBB attempts to resolve disputes by sending a copy of the consumer’s complaint to the 

business and giving the business an opportunity to respond. A complaint may be “closed” after 

the company has responded and the consumer makes no further rebuttal. However, a “closed” 

complaint does not necessarily mean the consumer is satisfied with the company’s response. 

7. The BBB helps consumers identify trustworthy businesses, and those that are not, 

through more than 4 million BBB Business Reviews. The BBB also uses complaint data to 

create “Business Profiles” for companies, which are available for free at bbb.org. A Business 

Profile typically includes a business’ name, address, and years in operation, as well as consumer 

reviews. Each Business Profile also contains a rating, from A+ (most favorable) through F (least 

favorable). The BBB assigns ratings based on an algorithm that weighs consumer complaints, 

the company’s responses, and other relevant factors. In 2016, consumers turned to the BBB 

more than 167 million times for BBB Business Profiles. 

8. The BBB also accredits businesses that meet the BBB’s “Standards for Trust,” a 

comprehensive set of best practices for how businesses should treat the public in a fair and 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 6 of 20 

honest manner. BBB accreditation is an honor – and not every business is eligible. Businesses 

deemed to meet Accreditation Standards are presented to the BBB’s Board of Directors for 

review and acceptance as a BBB Accredited Business. 

9. The BBB also investigates businesses whose practices generate a high number of 

consumer complaints. In 2016, BBBs in North America conducted 6,260 investigations into 

suspect businesses. The BBB will often refer businesses with a large number of consumer 

complaints to law enforcement agencies, including the Federal Trade Commission. 

10. Many regions in the United States have a local, independent BBB that helps 

consumers resolve complaints with businesses in that region. The Council of Better Business 

Bureaus is the umbrella organization for local BBBs in the United States. The Sacramento BBB 

serves consumers in Sacramento and 24 surrounding counties. 

11. As Director of Trade Practices at the Sacramento BBB, I oversee the department 

responsible for reviewing and vetting applications for incoming businesses seeking BBB 

accreditation. My department also monitors Sacramento BBB member activity to ensure 

businesses adhere to the BBB’s Code of Business Practices and high standards of trust. My team 

reviews advertisements, and investigates companies that are the subject of troubling complaints. 

My staff takes contemporaneous notes in a call log about their interactions with consumers and 

businesses. I have reviewed these notes and relied on them to create the timeline described in the 

“Correspondence with AmeriTech” section of this declaration. 

III. DOCUMENTS PRODUCED TO THE FTC 

12. In May 2017, the Sacramento BBB produced numerous documents to the Federal 

Trade Commission (“FTC”) in response to an official document request. Federal Trade 

Commission staff added bates numbers to the documents the Sacramento BBB produced to the 

FTC. I have reviewed the bates-numbered documents and they accurately reflect the documents 

the Sacramento BBB produced to the FTC. Several documents the Sacramento BBB produced 

to the FTC contained blank pages or duplicate email signature blocks, and those pages are not 

included with the attachments to this declaration. 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 7 of 20 

13. I have authority to certify the authenticity of records produced to the FTC by the 

Sacramento BBB. The documents produced and identified by bates numbers FTC-BBB-000001 

to FTC-BBB-000658 are true copies of records of regularly conducted activity that: 

a. Were made at or near the time of the occurrence of the matters set forth by, or 

from information transmitted by, a person with knowledge of those matters; 

b. Were kept in the course of regularly conducted activity of the Sacramento 

BBB; and 

c. Were made by the regularly conducted activity as a regular practice of the 

Sacramento BBB. 

IV. CONSUMER COMPLAINTS 

14. The BBB maintains a computerized summary of each complaint it receives, 

including the name and address of the consumer, the nature of the complaint, the BBB’s actions, 

and the company’s response. 

15. As Director of Trade Practices, I have knowledge of the entry and processing of 

complaints by staff at the Sacramento BBB. The entries are made at or near the time of receipt 

of the complaints and in the ordinary course of business. As of September 12, 2017, the BBB 

had received 58 complaints about American Financial Benefits Center (“AFBC”) and 55 

complaints about AmeriTech Financial (“AmeriTech”), for a total of 113 complaints. True and 

correct copies of the consumer complaints about AmeriTech, as well as any responses the BBB 

received from the companies, are attached to this declaration as Stiner Attachment A. My 

understanding is that the Golden Gate BBB produced complaints about American Financial 

Benefits Center to the FTC and those complaints are attached to an FTC investigator’s 

declaration. Personal information from all the attachments to this declaration has been redacted. 

V. CONSUMER CORRESPONDENCE 

16. In 2016 and 2017, the Sacramento BBB received numerous complaints about 

AmeriTech’s business practices. My staff contacted some complainants to request additional 

information about their experience with AmeriTech. True and correct copies of the Sacramento 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 8 of 20 

BBB’s email exchanges with consumers regarding AmeriTech are attached as Stiner 

Attachments B to H. 

17. Stiner Attachment B is a true and correct copy of an email the Sacramento BBB 

received from Melissa Wells on April 27-28, 2016. Ms. Wells indicated that AmeriTech gave 

her a partial refund, but then billed her again. She also stated “none of the money went to my 

student loans. And that is why I got worried and wanted to cancel. Because the fee is charged 

every month even though they are not doing anything else in the case.” Att. B-4. 

18. Stiner Attachment C is a true and correct copy of an email the Sacramento BBB 

received from Mary Marks on May 26, 2016. Ms. Marks stated that “AmeriTech will not stop 

contacting me to try and ‘resolve’ and ‘remove’ my complaint from the BBB. I am NOT 

removing the complaint . . . this company was at fault.” 

19. Stiner Attachment D is a true and correct copy of an email exchange between 

Timothy Jones and the Sacramento BBB. Mr. Jones stated that he thought his payments were 

going towards student loan forgiveness. 

20. Stiner Attachment E is a true and correct copy of an email the Sacramento BBB 

received from consumer Deana Noble on August 20, 2016. Ms. Noble stated: “I don’t want 

AmeriTech Financial to get away with scamming others . . . I want to warn others that 

AmeriTech Financial is a scam and that they are not authorized to collect money” for 

government lenders. 

21. Stiner Attachment F is a true and correct copy of a mailer the Sacramento BBB 

received from Na’Curria Nowlen in January 2017. 

22. Stiner Attachment G is a true and correct copy of an email the Sacramento BBB 

received from Crystal Harp on January 23, 2017, including documents attached to her email. See 

Att. G-3-4 (AmeriTech mailers). The AmeriTech mailers attached to Ms. Harp’s email appear to 

have her handwritten notes. In the email, Ms. Harp forwarded a message from Holly Novak at 

AmeriTech. Ms. Novak told Ms. Harp that “[i]n order to initiate the refund of $848.00 I will 

need the resolution statement for the BBB.” Ms. Novak instructed Ms. Harp to email her the 

following statement: “AmeriTech has resolved my concerns. The BBB complaint can be 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 9 of 20 

unpublished at this time.” Ms. Novak explained that “[o]nce I receive the statement above the 

refund will be initiated.” 

23. Stiner Attachment H is a true and correct copy of an email the Sacramento BBB 

received from Crystal Harp on March 23, 2017, including documents attached to her email. Ms. 

Harp stated that the mailer attached to her email was an advertisement she received from 

AmeriTech the prior week. 

24. Stiner Attachment I is a true and correct copy of an email the Sacramento BBB 

received from Carlos Clara on June 5, 2017. Mr. Clara stated that AmeriTech “promised [him] a 

plan to reduce [his] monthly payment,” but after dealing with AmeriTech his “loan had a higher 

balance and I paid Ameritech more than $2000.00” 

VI. CORRESPONDENCE WITH FORMER AMERITECH EMPLOYEES 

25. On May 26, 2016, the Sacramento BBB received a message from Courtney 

Johnson, a former AmeriTech employee, through the BBB Scam Tracker, an online form where 

consumers can report a scam. Ms. Johnson’s Scam Tracker message about AmeriTech stated: 

“They are charging customers to help consolidated [sic] loans or get into a forgiveness program. 

They are not working on everyone’s loans and clients are defaulting and they never tell 

customers and they keep charging them. As well as lying on government forms they ask client 

just to leave form blank just sign it . . . then they fill out there [sic] own info which lis [sic] in 

different boxes. They have clients all over that they are scamming.” On May 26, 2016, Ms. 

Nichols emailed Ms. Johnson for more information. A true and correct copy of Ms. Johnson’s 

Scam Tracker message and her May 26, 2016 email exchange with Ms. Nichols are attached as 

Stiner Attachment J. 

26. On May 31, 2016, another former AFBC and AmeriTech employee, Christina 

Pfeifer, called the Sacramento BBB and spoke briefly with a BBB employee, who the transferred 

Ms. Pfeifer to me. The Sacramento BBB recorded the call per its policies and played a prerecorded message at the beginning of the call informing Ms. Pfeifer that the call was being 

recorded. During the call, Ms. Pfeifer made the following statements: 

a. “It’s a giant scam.” (minute 5:1) 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 10 of 20 

b. “They’re promising them that we can get them loan forgiveness, and 

they’re consolidating loans with – telling clients that they get them 

out of default, and they can’t, and basically they’re letting people default, 

not letting them know, and then still taking their money.” (5:7-12) 

c. “[T]hey’re scamming people out of thousands and thousands of dollars... 

They’re promising people that are not eligible for these programs...that 

we’ll get them loan forgiveness, that we’ll do all the work for them. 

They charge them over $2,100, up-front, and then $99 a month. 

They don’t tell clients that we don’t make the payments for them. 

They don’t tell clients that, you know, there is a possibility that this 

isn’t going to happen; it’s going to be -- you’re going to be taxed. 

They don’t tell them any of this.” (5:23-6:11) 

d. “[T]hey train the sales representatives to tell the clients that they have 

a higher family size than what they really do. So, like, let’s say for me, 

for an example, if I were to go and try and enroll with our services, 

the -- even though I’m single and I have a child, they would probably 

tell me to make my family size closer to eight or ten. That way I’m 

guaranteed a zero-dollar repayment plan in that at the end of the ten years, 

they’re supposed to write off my student loan...But they don’t tell the 

sales reps that they’re taxed at the end of it. They don’t tell them that 

it’s illegal for them to fraud- -- or to lie about the family size. They don’t 

tell anyone that. And then, so, when it gets to customer service, we have 

to try and manipulate the client into keeping their family size that way.” 

(11:23-12:22) 

e. Ameritech Financial’s previous name was American Financial Benefits Center 

and the company changed its name “because of issues with the other name.” 

(4:15-17, 19-20) 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 11 of 20 

f. “So they opened a retention department where they trained people to lie and 

get them to either up their family size or lie about their taxes or their filing 

status, all these different things.” (13:1-5) 

g. “I mean, we’ve gone to management and literally told them about problems, 

and they said, we’re not going to tell the client until they call us; let them keep 

making those payments until they realize something’s wrong.” (14:2-6) 

27. True and correct copies of Ms. Pfeifer’s May 31, 2016 calls with the Sacramento 

BBB are attached as Stiner Attachment K. For the Record, a court reporting service, 

transcribed the calls. Stiner Attachment L is a transcript of a Ms. Pfeifer’s calls with the 

Sacramento BBB. 

VII. CORRESPONDENCE WITH AMERITECH 

28. On November 16, 2015, AmeriTech submitted a membership application to the 

Better Business Bureau serving the San Francisco Bay Area (“Golden Gate BBB”). The 

application describes AmeriTech as a “Branch Location” of AFBC. The application states that 

“American Financial Benefits Center” is the “Parent,” and “AmeriTech Financial” is the “child.” 

The application lists AmeriTech’s address as P.O. Box 805, Occidental, CA 95465. A true and 

correct copy of AmeriTech’s application to the Golden Gate BBB is attached as Stiner 

Attachment M. 

29. On December 14, 2015, a person who identified himself as Brandon Frere called 

the Sacramento BBB inquiring about the application. A BBB staff person transferred the call to 

me and I spoke with Mr. Frere about the accreditation process. Mr. Frere told me that his 

business, AmeriTech, wanted to become a Sacramento BBB member. Mr. Frere said his other 

business, AFBC, was already a member of the Golden Gate BBB. Mr. Frere said the Golden 

Gate BBB told him to contact me because AmeriTech is located in El Dorado Hills, California, 

which is the Sacramento BBB’s region. I gave Mr. Frere information about the Sacramento 

BBB’s accreditation process and requested he provide copies of contracts and/or customer 

agreements. 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 12 of 20 

30. On December 14, 2015, I received an email from Mr. Frere. In the email, he 

identified himself as President and CEO of AmeriTech. He attached various documents to the 

email, including AmeriTech’s “primary contract and client payment authorization.” A true and 

correct copy of Mr. Frere’s December 14, 2015 email to me, with the attachments, is attached as 

Stiner Attachment N. Mr. Frere is the signator on the client agreement and listed as the 

“Administrative Representative” of AmeriTech. See Att. N-10. AmeriTech’s address on the 

client agreement is 1101 Investment Blvd., Suite 290, El Dorado Hills, CA 95762. Mr. Frere did 

not send me any AmeriTech mailers or advertisements. He also did not provide any information 

about AmeriTech’s monthly membership program, the “Financial Education Benefits Center 

Program.” 

31. During the processing of AmeriTech’s application, I instructed a member of my 

staff to search the BBB’s complaint database for information about AmeriTech. She did not find 

any complaints about AmeriTech. Although the BBB database contained 20 complaints about 

AFBC, only one complaint was published. The one published complaint was categorized as 

resolved. On December 15, 2015, Mr. Frere left me a voicemail inquiring about the status of 

AmeriTech’s accreditation. On December 16, 2015, Mr. Frere sent me an email inquiring about 

the accreditation. Because I had some concerns about the debt relief industry, I asked Mr. Frere 

for additional information about AmeriTech, including the company’s refund policy. A true and 

correct copy of my December 16, 2015 email to Mr. Frere and his reply are attached as Stiner 

Attachment O. Mr. Frere assured me that “a full refund is available at anytime during the 

process and even afterwards if they [consumers] are not totally, and utterly satisfied with our 

service.” Att. O-1. Shortly thereafter, the Sacramento BBB accredited AmeriTech. 

32. On May 5, 2016, a member of my staff attempted to call Mr. Frere to discuss 

consumer complaints about AmeriTech. She was on hold for approximately five minutes and 

then an answering service took her call. She left a message requesting that Mr. Frere call the 

Sacramento BBB. 

33. On May 17, 2016, Mr. Frere called the Sacramento BBB and was upset that we 

published consumer complaints regarding AmeriTech. A member of our staff spoke with Mr. 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 13 of 20 

Frere and explained the BBB’s policies regarding complaints. Mr. Frere told the staff member 

that he and the Golden Gate BBB had a special arrangement where complaints about his 

companies would not be published. The staff member told Mr. Frere that she was unaware of 

such agreements and that they were not possible in our office. She also explained the reasons the 

Sacramento BBB published consumer complaints. The staff member notified me of the call on 

May 17, 2016 and told me that she believed Mr. Frere would have consumers withdraw their 

complaints about AmeriTech. 

34. In May 2016, a member of my staff sent an email to AmeriTech regarding a 

consumer complaint. On May 13, 2016, the Sacramento BBB received an email from Tom 

Knickerbocker stating: “My team is working on resolving this complaint immediately and it’s 

resolution is our highest priority.” Att. P-1. Later that day, the Sacramento BBB received an 

email from “support@AmeriTechfinancial.com” indicating that the complaint was resolved. 

True and correct copies of the emails the Sacramento BBB received from AmeriTech on May 13, 

2016 are attached as Stiner Attachment P. On May 17, 2016, the Sacramento BBB received 

another email from Mr. Knickerbocker regarding unpublishing a consumer complaint from 

AmeriTech’s BBB Business Profile. A true and correct copy of the email the Sacramento BBB 

received from Mr. Knickerbocker is attached as Stiner Attachment Q. 

35. On May 25 and May 31, 2016, the Sacramento BBB received emails from Mr. 

Frere inquiring about the status of AmeriTech’s BBB Business Profile. True and correct copies 

of the Sacramento BBB’s May 25-31, 2016 email exchange with Mr. Frere is attached as Stiner 

Attachment R. On or around June 1, 2016, Mr. Frere also left a voicemail message for Ms. 

Nichols and identified himself as being from AFBC. 

36. On June 2, 2016, the Sacramento BBB received an email from Tom 

Knickerbocker, who identified himself as Executive Vice President of AmeriTech. Mr. 

Knickerbocker inquired about AmeriTech’s BBB Business Profile and rating. A true and correct 

copy of Mr. Knickerbocker’s June 2, 2016 email to the Sacramento BBB is attached as Stiner 

Attachment S. 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 14 of 20 

37. On June 7, 2016, the Sacramento BBB sent a letter to Mr. Frere detailing 

concerns about complaints the BBB received about AmeriTech. The Sacramento BBB informed 

Mr. Frere that complaints alleged, among other things, that AmeriTech (1) misled consumers 

into believing AmeriTech was associated with the government; (2) told consumers they could 

claim almost anyone as a dependent on their loan applications; and (3) led consumers to believe 

that payments to AmeriTech were going towards their student loan. A true and correct copy of 

the Sacramento BBB’s June 7, 2016 letter to Mr. Frere is attached as Stiner Attachment T. The 

Sacramento BBB attached documents it received from consumer Hollee Warlitner to the letter, 

including AmeriTech’s mailer and customer agreements. 

38. On June 8, 2016, the Sacramento BBB received an email from Mr. 

Knickerbocker acknowledging the BBB’s June 7, 2016 email. A true and correct copy of Mr. 

Knickerbocker’s June 8, 2016 email to the Sacramento BBB is attached as Stiner Attachment 

U. 

39. On June 16, 2016, the Sacramento BBB received an email from Franklin Homer, 

an attorney at Greenspoon Marder, P.A. Mr. Homer stated that he and a partner at Greenspoon 

Marder, Robby Birnbaum, were representing AmeriTech. 

40. On June 23, 2016, the Sacramento BBB received a letter from Mr. Birnbaum 

responding to the BBB’s concerns about AmeriTech complaints. A true and correct copy of Mr. 

Birnbaum’s June 23, 2016 email to the Sacramento BBB is attached as Stiner Attachment V. 

One of the attachments to the email was a lengthy lease agreement between AmeriTech and its 

landlord. To save space, I have attached only the first and last pages of the lease agreement to 

this declaration. 

41. On June 24, 2016, the Sacramento BBB sent Mr. Homer an email requesting 

recordings of all conversations between AmeriTech and seven consumers who complained to the 

Sacramento BBB. On June 30, 2016, Mr. Homer responded that he would reach out to his client 

and gather the requested information. A true and correct copy of the Sacramento BBB’s June 24, 

2016 email to Mr. Homer and his June 30, 2016 response are attached as Stiner Attachment W. 

Stiner Declaration - Page 13 
   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 15 of 20 

42. On July 6, 2016, the Sacramento BBB sent Mr. Homer an email again requesting 

the call recordings. Mr. Homer responded with an email containing a link to three call 

recordings. He stated that his client was unable to locate the four additional recordings we had 

requested. He also stated that “AmeriTech has identified representatives that the company had 

problems with. They were reprimanded and provided additional coaching after which time they 

left the company.” A true and correct copy of the Sacramento BBB’s July 6, 2016 email 

exchange with Mr. Homer is attached as Stiner Attachment X. 

43. Sacramento BBB staff accessed the link in Mr. Homer’s July 6, 2016 email and 

downloaded three audio files. True and correct copies of the audio files that AmeriTech’s 

attorney produced to the Sacramento BBB, with personal information digitally redacted, are 

attached as Stiner Attachments X through Z. 

44. Stiner Attachment Y is a recording of a conversation between AmeriTech and 

Patricia Eisenbarth Olsen. 

45. Stiner Attachment Z is a partial recording of a conversation between AmeriTech 

and Dale and Susan Olmstead. The first part of the call is cut off. 

46. Stiner Attachment AA is a partial recording of a conversation between 

AmeriTech and Timothy Jones. The recording is abruptly cut off. During the call, the 

AmeriTech employee made the following statements to Mr. Jones: 

a. “. . . but as far as family size, this is not going to be a number that you’re 

going to file your taxes with as dependents . . . They don’t expect that for this. 

It’s pretty much just an arbitrary number that you as a client determine and 

provide me. In regards to the number, whether it’s a high or low, it’s pretty 

much up to you what this number is.” 

.... 

“Now, support includes any kind of money, gifts, loans, housing, food, 

clothing, car, medical or dental, payment of college costs. Do you help 

anybody – if you have somebody on your cell phone plan; if you have 

somebody on your gym membership, they’re considered part of your family. 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 16 of 20 

And we just had Christmas. You know, if you bought presents, clothes, 

watch, earrings, toilet paper, they’re a part of your family. Okay?” 

.... 

“So what are the -- I mean, is there any other maybe friends that come, you 

know, stay -- stay with you that you -- you know, you feed them, you clothe 

them, you know, go hang out, you know, go to see a movie, you pay for them, 

you know, you drive them around, gas, you know, take them to work? Is 

there, you know, anybody that you bought Christmas presents for, maybe a 

niece, nephew, somebody that you would be able to add in, somebody in your 

family?” 

b. “Now, the good news is that all of these programs are going to give you $119 

payment a month... Now, the difference in these programs is how we can get 

the -- you know, get back on track with the loan a little bit by making a couple 

– a couple months of, you know, little bigger payments here.” 

c. “You know, you’re going to pay some fees and some -- and some -- to get 

back on track, money in the beginning... and it’s going to be either -- it’s 

going to be either, you know, one month, all the way to nine months are you -- 

is going to be your options for payments. And then you’re going to move into 

the 119 and you’re going to stay at that. You’re not going to pay any more. 

There’s not going to be any fees after that, you know. We’re not going to hit 

you with -- blindside you with some kind of processing fee, you know, six 

months down the road. It just – it doesn’t work like that. You know, 

everything is disclosed, you know, to you, and, you know, if we go through 

the process here.” 

47. For the Record, a court reporting service, transcribed the calls attached as Stiner 

Attachments Y-AA. Stiner Attachment BB is a transcript of a call between AmeriTech and 

Patricia Eisenbarth Olsen. Stiner Attachment CC is a transcript of a call between AmeriTech 

and Dale and Susan Olmstead. Stiner Attachment DD is a transcript of a call between 

AmeriTech and Timothy Jones. 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 17 of 20 

48. On July 18, 2016, the Sacramento BBB sent an email to Mr. Homer expressing 

concerns about AmeriTech’s new mailer. A true and correct copy of the Sacramento BBB’s July 

18, 2016 email to Mr. Homer is attached as Stiner Attachment EE. 

49. On July 25, 2016, the Sacramento BBB received a letter from Mr. Birnbaum 

responding to some of the Sacramento BBB’s concerns and asking us to give AmeriTech an A+ 

rating. A true and correct copy of the letter the Sacramento BBB received from Mr. Birnbaum 

on July 25, 2016 is attached as Stiner Attachment FF. In the letter, Mr. Birnbaum stated, “as 

you are still concerned that it is unclear that there is a private company behind the mailer, 

[AmeriTech] will include its name, AmeriTech Financial, in future mailers.” He also attached a 

mailer with AmeriTech’s name to his letter. Att. FF-11. 

50. On July 25, 2016, the Sacramento BBB sent an email to Mr. Homer asking for 

additional information about the Financial Education Benefits Center. A true and correct copy of 

the Sacramento BBB’s July 25, 2016 email to Mr. Homer is attached as Stiner Attachment GG. 

51. In mid-July 2016, Mr. Frere called the Sacramento BBB and requested a meeting. 

On July 26, 2016, Ms. Nichols and I met with Mr. Frere in the Sacramento BBB’s office. Mr. 

Frere presented information about AmeriTech, discussed the company’s plans for the future, and 

described AmeriTech’s actions to resolve consumer complaints. During the meeting, Ms. 

Nichols and I asked Mr. Frere about AmeriTech sales people suggesting that customers falsify 

their family size on their student loan applications. Mr. Frere acknowledged the problem and 

told us the sales representatives who instructed consumers to inflate their family size had been 

disciplined or fired. 

52. During my July 26, 2016 meeting with Mr. Frere, I also raised concerns about 

AmeriTech’s lack of transparency on its mailers to consumers. I recall Mr. Frere saying 

something similar to “people will look us up and not call us.” After further discussion, Mr. Frere 

agreed to add AmeriTech’s name to the company’s mailers and advertisements. I also informed 

Mr. Frere that I was making a recommendation to the BBB’s Board of Directors to suspend 

AmeriTech’s accreditation because the company was not currently meeting the BBB’s standards. 

Stiner Declaration - Page 16 
   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

   

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 18 of 20 

53. On July 27, 2016, the Sacramento BBB received an email from Mr. Frere 

requesting cancellation of AmeriTech’s BBB accreditation. A true and correct copy of Mr. 

Frere’s July 28, 2016 email to the BBB, and my response, is attached as Stiner Attachment HH. 

54. On August 2, 2016, the Sacramento BBB received an email from Mr. 

Knickerbocker “regarding the unpublishing of complaints from [AmeriTech’s] BBB page.” A 

true and correct copy of this email is attached as Stiner Attachment II. Att. II-1. The requests 

were very similar, as if they were from a template. 

55. On January 9, 2017, the Sacramento BBB received an email from Mr. Frere 

inquiring about reapplying for BBB accreditation. I responded that he was welcome to apply, 

but with a C rating AmeriTech did not meet the BBB’s minimum acceptance guidelines. A true 

and correct copy of my January 9, 2017 email exchange with Mr. Frere is attached as Stiner 

Attachment JJ. 

56. On January 18, 2017, Mr. Frere came into the Sacramento BBB’s office and 

asked to meet with me. Mr. Frere reiterated his desire for the Sacramento BBB to accredit 

AmeriTech. He stated that AmeriTech had instituted many new quality control procedures to 

prevent consumer dissatisfaction. He also claimed he sent a 17-page letter of introduction to the 

Federal Trade Commission and Consumer Financial Protection Bureau. I explained that we 

continued to receive serious complaints about AmeriTech’s misrepresentations. I also stated that 

AmeriTech’s current C rating did not meet the BBB’s minimum threshold for accreditation. Mr. 

Frere asked how he could raise the rating and I told him I would evaluate his file and get back to 

him. Over the next few weeks, I reviewed consumer complaints about AmeriTech and my staff 

corresponded with consumers about their complaints. We received copies of AmeriTech’s new 

advertising mailers to consumers. The mailers did not include AmeriTech’s name, contrary to 

what Mr. Frere had agree to at our prior meeting. Due to the unchanged mailer and consumer 

complaints, there was no change to AmeriTech’s C rating. 

57. On February 28, 2017, I sent Mr. Frere an email detailing my concerns about the 

company and its mailers. A true and correct copy of my February 28, 2017 email to Mr. Frere is 

attached as Stiner Attachment KK. 

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Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 19 of 20 

58. On March 17, 2017, Christopher Meier, an attorney at Greenspoon Marder, 

emailed the Sacramento BBB. He stated that “Brandon from AmeriTech Financial reached out 

to [Greenspoon Marder] to assist the company in responding to the BBB’s inquiry.” Att. LL-1. 

Attached to the email was a revised mailer and application for BBB Accreditation. A true and 

correct copy of Mr. Meier’s March 17, 2017 email to the Sacramento BBB, including 

attachments, is attached as Stiner Attachment LL. 

59. On April 5, 2017, I sent an email to Mr. Meier describing continued concerns 

about AmeriTech, including the misleading statements about how to calculate family size on 

student loan applications and deceptive AmeriTech mailers to consumers. A true and correct 

copy of my April 5, 2017 email to Mr. Meier is attached as Stiner Attachment MM. 

60. On May 5, 2017, the Sacramento BBB received an email from Mr. Meier 

responding to some of our concerns about AmeriTech. A true and correct copy of the email, 

including attachments, that the Sacramento BBB received from Mr. Meier is attached as Stiner 

Attachment NN. The attachments include AmeriTech’s Document Preparation and Service 

Agreement, Enrollment Specialist Script, FEBCP Enrollment Script, and AmeriTech’s BBB 

Business Profile with suggested edits. 

61. On May 23, 2017, the Sacramento BBB received an email from Mr. 

Knickerbocker requesting that the Sacramento BBB remove resolved complaints from its 

website. Mr. Knickerbocker’s email contained forwarded emails from consumers who filed 

complaints with the Sacramento BBB. Many of the emails contained the same statement: 

“AmeriTech has resolved my concerns and the BBB complaint can be unpublished.” A true and 

correct copy of the email the Sacramento BBB received from Mr. Knickerbocker on May 23, 

2017 is attached as Stiner Attachment OO. 

62. On June 5, 2017, I sent an email to Mr. Meier requesting additional information 

regarding the material he sent the Sacramento BBB in May 2017, including information about 

the Financial Education Benefits Center. A true and correct copy of my June 5, 2017 email to 

Mr. Meier is attached as Stiner Attachment PP. 

Stiner Declaration - Page 18 
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63. On June 14, 2017, Mr. Meier requested that I join him and Brandon Frere on a 

conference call the following Monday, June 19, 2017. Mr. Meier cancelled the day of the 

meeting. On June 22, 2017 we were informed by Golden Gate BBB that AmeriTech had 

relocated to Rohnert Park, California, and no longer had an office in the Sacramento BBB's 

service area. 

VIII. AMERITECH MAILER 

64. In May or June 2017, a Sacramento BBB employee, Mistyrae Schaffer, received a 

mailer at her home address. The mailer was nearly identical to AmeriTech mailers the 

Sacramento BBB received from consumers. Ms. Schaffer gave me the mailer to investigate and 

I gave the mailer to the Federal Trade Commission. A true and correct copy of the mailer Ms. 

Schaffer gave me in May or June 2017 is attached as Stiner Attachment QQ. I have redacted 

Ms. Schaffer's handwritten note from the mailer, which indicated that she received the mailer on 

May 29, 2017. 

65. I declare under penalty of perjury that the foregoing is true and correct. Executed 

on 5.efte11Y1b-e e.. /0 , 2017, in Sacramento, California. 

Daniel Stiner 

Stiner Declaration - Page 19 

Case 4:18-cv-00806-SBA Document 70 Filed 03/05/18 Page 20 of 20 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 1 of 65 

Stiner Attachment A 
Business: AmeriTech Financial 

BID#: 

Customer Review: 

Submitted By: Rachelle LaGree @yahoo.com> 

ZipCodeStatus: Reviewed and Published 

Experience Rating: Negative 

Submitted:06/22/2016 

Feedback: 

I received 3 mailing postcards from "Student Loan Department" over the last 3 weeks. I was able to 

track down t hat AmeriTech Financial is behind the student loan financial help today claim . There is 

no way to contact them to asked to be removed from their list without providing more contact 

information . I find their tactics to be harassing in nature. 

P.S. Loan consolidation programs are available through the federal loan program. 

FTC-BBB-000481 

Stiner Attachment A - 1 

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 2 of 65 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 3 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Sandra Bevers @hotmail.com> 

Zip Code: 

Status: Reviewed and Published 

Experience Rating: Negative 

Submitted: 08/18/2016 

Feedback: 

scam...customer service terrible. Sale personnel promises wonderful benefits but does not share 

good information about the $1000+ cost for the lousy service. All they do for you is to complete the 

forbearance request and don't resolve any issues in an effective and proactive matter. Unfortunately 

I lost more than $1,000 and now my situation with the loans is worst. Call your federal loan agency 

they will be more than happy to help you understand your options and the forms and filing them is 

free. 

FTC-BBB-000482

Stiner Attachment A - 2 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 4 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Marna Rasmussen @gmail.com> 

Zip Code: 

Status: Reviewed and Published 

Experience Rating: Negative 

Submitted: 11/10/2016 

Feedback: 

I find the company to be very misleading. After an hour on the phone I learn that half my monthly 

payment would go to pay for a member benefits package that I didn't want or ask for. They also 

changed the quoted payments during the verifying process. 

FTC-BBB-000483

Stiner Attachment A - 3 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 5 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Daniel Anglin @ .com> 

Zip Code: 

Status: Reviewed and Published 

Experience Rating: Negative 

Submitted: 12/07/2016 

Feedback: 

Basically in a nut shell, they said I qualified for a 0 dollar IBR, which in turn I assumed that meant 

no payments? They did not mention that they were going to take out the service fee. To me if I 

qualify for a 0 dollar IBR, how the hell im I supposed to pay a 400 dollar service fee, which was not 

explained to me. Instead of them paying anything towards my loans they took almost 400 dollars 

out of my account, when I asked about this, this was for all the hard work they had done for me to 

get me a 0 dollar IBR, which basically is another forbearance with no interest. They are very 

misleading and I will not see that money again. To make a long story short when I spoke to the 

manager, instead of trying to make it right, he tried to make more money off me. To this day they 

have done nothing to help me get my loans consolidated or make payments against. I would not go 

with them. They are con-artists..... When asked why they took the money out after two months of 

trying to tell them I wanted to start at the beginning of the year, which is on phone record, I was 

told they are not mind readers and I should of been more specific. Like I said when you come to me 

and my financial situation dictates a 0 dollar payment, that means 0 DOLLARS, did not know I had 

to spell it out for them not to take out a service fee, that I have been asking for them to not start 

taking out until the start of 2017. They are a fraudulent company, please be careful and do not use 

them. 

FTC-BBB-000484

Stiner Attachment A - 4 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 6 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Rhonda Cantrell @yahoo.com> 

Zip Code: 

Status: Reviewed and Published 

Experience Rating: Negative 

Submitted: 02/15/2017 

Feedback: 

This company has cost me so much extra money. Besides the money they have swindled me out of I 

am also paying my student loan payment which is what Ameritech is suppose to be taking care of. 

As of yet they have completed anything they have promised me they would do and it has almost 

been a year now. You can never contact the same person twice. I have sent in their requested forms 

signed several They also call and send emails everyday, even though I have told them time after 

time I work don't call me at work call me after work do they do that nope right in the middle of my 

work day....I have tried to cancel this program but some how they keep telling me to be patient and 

not to pay my fed loan they are taking care of it....that cost me $500.00.... and after all this time 

they still send me and call me all the time about forms I have sent in number of times. so far they 

have cost me a couple thousand....buyers beware 

FTC-BBB-000485

Stiner Attachment A - 5 
 

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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 7 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Paul Arvin @outlook.com> 

Zip Code: 

Status: Reviewed and Published 

Experience Rating: Negative 

Submitted: 03/14/2017 

Feedback: 

I received a nice letter that was very deceitful. Showed up in an envelop that appeared to originate 

from the Govt with no return address. It appeared to be a legal document. Inside was a pink paper 

which usually signifies a late notice in the collection world. Inside the envelope you will find NO 

MENTION that the company is Ameritech Financial, thus some people could easily believe this was 

actually potential help from the Federal Student Loan Dept. I will add - there is very small print at 

the bottom for all their disclaimers. But, no company name once again. To me this is elusive and 

purposly deceitful. I called the number on the letter just to find out who was behind all of this and 

was told it was Ameritech Financial. 

Anyone that has done extensive research on Student Loans knows you can not get out of it. You 

can get deferments up to so many days/months at a time, but; you will pay it back even if it takes 

30 years. There is nothing this company can do that you can not do yourself with a little effort. So 

save you money and avoid the trap. This letter was purposively deceiving to pull people in and 

make money off off of your hardshelps. Don't fall for it. 

This method of Marketing (for lack of a better word), bothers me so much that I plan to take any 

and all measures to stop them from this type of scamming attempt. That's what it is at the end of 

the day, false promises and false intentions provided to the uninformed. 

Shame on Ameritech Financial 

Let people know up front that you are the one offering this service. You're not going to pull the 

fleece over my eyes and I hope to stop you from financial harming others as well. 

I look forward to working with the Attorney Generals offices and everywhere I can expose this tactic. 

FTC-BBB-000486

Stiner Attachment A - 6 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 8 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Brittney Chatfield @gmail.com> 

Zip Code: 

Status: Reviewed and Published 

Experience Rating: Negative 

Submitted: 04/12/2017 

Feedback: 

I paid over 1000+ dollars for nothing. They were not going to submit my paperwork until the end of 

the 10 years, which in this state of time, would not allow me to be grandfathered into the PSLF, if it 

were to be discontinued prior to the end of my ten years. You would still make membership 

payments if your repayment rates went up. Oh no! 0 dollars, should mean just that! Especially 

because they took 800+ out my pocket up front for initial processing of paperwork. 

FTC-BBB-000487

Stiner Attachment A - 7 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 9 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Stacey Jones @aol.com> 

Zip Code: 

Status: Reviewed and Not Published 

Experience Rating: Negative 

Submitted: 12/05/2016 

Feedback: 

This company is very misleading. On their website, they claim they will not take money from you 

until you are enrolled in the government program. They took 4 months of payments from my 

account and I was still getting delinquency notices from FedLoan. FedLoan advised me not to deal 

with them. I then found out they are a 3rd party doc preparation service. When signing up, they led 

me to believe they were with a government program. Very carefully worded sales pitch. I am still 

fighting to get my money back. 

FTC-BBB-000492

Stiner Attachment A - 8 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 10 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Lauri Anderson @yahoo.com> 

Zip Code: 

Status: Reviewed and Not Published 

Experience Rating: Negative 

Submitted: 12/16/2016 

Feedback: 

Lying scam artists take your money and then clam that they are just a document preparation 

company not a student loan servicer. I am out over a 1000 bucks and I am contacting the federal 

trade commission and the consumer protection bureau. i got a letter from Dep. of Ed saying my loan 

was past due. The lady who signed me up claimed the money I was sending in was my student loan 

payment. Run, don't walk away from these liars. 

FTC-BBB-000493

Stiner Attachment A - 9 
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Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 11 of 65 

Business: AmeriTech Financial 

BID #: 

Customer Review: 

Submitted By: Melissa Jimenez @gmail.com> 

Zip Code: 

Status: Reviewed and Not Published 

Experience Rating: Negative 

Submitted: 04/19/2016 

Feedback: 

Ameritech Financial has fast talking sales reps that make everything sound amazing and once you 

sign up, they harass you for paper work I received 3-5 phone calls a day on top of 3-5 emails. Then 

they would call me and tell me that the paper work that I turned into them was the wrong paper 

work. This is paper work that they emailed to me from their company, I did not get it from any 

where else. This was my first concern and tried cancelling when all of this happen. Once again a 

fast talking manger got on the phone and told me that I was not allowed to cancel and that I wold 

not be refunded the money that I have paid because they don't refund people. This company has 

bed customer service they blame the client for their mistakes and do not keep in contact with you 

what so ever. I called 5 time in 24 hours and each time I was told that someone would call me back 

in 30 minutes, when I finally was able to get a hold of someone o the 2nd day they said that they 

had no record of me calling. I called 2 different numbers 800-792-8621 and then was told if I 

wanted to talk to someone I had to call 954-537-1624 this number was just an answering service 

that took messages and obviously doesn't give anyone the message. This company is a joke, their 

customer service department is rude, and the mangers try to make excuses that what has happened 

is your fault instead of listening, understanding, and helping you, or listening to your request to 

cancel. 

FTC-BBB-000491

Stiner Attachment A - 10 
Financial 

Case#:-

Consumer Jimenez, Melissa Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado His, CA 9576257 

(866) 818-9026 

http://www.ameritechfinancial.com 

Date Filed: 4/19/2016 11:46:51 AM 

Nature of the Complaint: Refund/ Exchange Issues 

Consumer's Original Complaint: 

Ameritech Financial is a company that deals w ith Student loans. I have called a minimum of lo t imes to 

cancel my services w ith them even before my first payment was made to the 2 months ago and even 

then they told me that I was not allowed to cancel and that they w ill not give me my money back. They 

gave me no cancellation policy in any of my paper work. In 24 hours I have called 5 times every time I 

am told that a manger will call me back and I have not heard from anyone. They are refusing to give me 

back the $414 that they have already billed and I am trying to cancel the services before they bill me 

again without issues and they are giving me the run around and different numbers to call that lead me 

to no one to talk to just people taking messages saying that a person will call me back in 30 minutes. I 

have not heard from them in 2 months since I signed up for the program I have no clue what is going on 

w ith my case and I have talk to federal loans w ho says I can do this myself because there is no reason to 

pay a company $207 a month because once I am in an agreement that completes the paper work for the 

terms that we set and nothing further is needed. 

Consumer's Desired Resolution: 

I would like a full refund of the money I have paid of the $414 dollars and if I am billed 

again I wold like that money to be refunded as well since I have t ried to contact them 

several times before the next payment was suppose to be billed. So if I am billed again it 

would be a total of $621 that would need to be refunded. 

Complaint Messages 

05/13/2016 - Tom Knickerbocker 

Respond to Complaint 

Thank you for bringing this to our attention. My team is working on resolving this complaint immediately and it's 

resolution is our highest priority. I will keep you updated with the latest information throughout the process. 

Please feel free to contact me directly at any time regarding this complaint. Thanks again 

05/13/2016 - Tom Knickerbocker 

Respond to Complaint 

After researching this issue, it's been found that our Customer Service department resolved this 

complaint with Melissa Jimenez on 4/22/2016 to her satisfaction. Please let me know what steps should 

be taken next, as the website isn't allowing me to respond to the BBB case related to this complaint. 

Thank you! 

FTC-BBB-000496 

Stiner Attachment A - 11 

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 12 of 65 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 13 of 65 

05/13/2016 - Melissa Jimenez 

I do not accept the response made by the business to resolve Complaint:

I am rejecting this response because:it has not been fully resolved because they still have not refunded

me a payment of 207 like they said they would. I have already had to call the 2 times I regards to this the

last time being 5/9/2016. They said that the manager did not put my request in for the additional refund

until I called the second time back on 5/2/2016. That is why I called back a week later see where the

refund was, I will let you know as soon as I receive the refund. Still so far nothing.

05/25/2016 - Brandon Frere 

Respond to Complaint

The refund has been processed successfully. Thank you.

FTC-BBB-000497

Stiner Attachment A - 12 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 14 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 4/20/2016 9:41:54 PM 

Nature of the Complaint: Contract Issues

Consumer’s Original Complaint: 

This company claims it can save you hundreds of dollars in student loan payments by handling the

consolidation for you. When asking for your information on family size, they claim that you can include

"anyone you car pool with, buy presents for, spend money on, take out to eat," etc. The salesperson

even gave me the reference "For example, my family sizes for taxes is 4, but for this consolidation is 13."

This is falsifying information. In addition, they took my social security information, address, birth date,

etc. They also claimed to need my login information for my education loan companies to check balances

and place them in forbearance while consolidating my loan. They took my usernames, passwords, etc.

and would not complete the application until I provided this information. Lastly, when reviewing the

applications for signatures, they unveiled I would only place 40% of my payment towards my actual loan

and 60% of my payment paid them EVERY month for processing my loan. DON'T DO THIS! It is a scam.

Consolidate through the government websites. No fees and you will process all your information legally.

Consumer’s Desired Resolution: 

Company reported 

FTC-BBB-000498

Stiner Attachment A - 13 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 15 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Jones, Timothy 

@yahoo.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 4/26/2016 3:10:32 PM 

Nature of the Complaint: Refund / Exchange Issues

Consumer’s Original Complaint: 

This complaint is in regards to recent interactions that I have had with Ameritech Financial in regards to

my student loans. I received a notice in the mail with a phone number to call if I wanted to enroll in a

student loan forgiveness program. I called the number and was forwarded to Ameritech agents. They

told me that they would help me enroll in the forgiveness program, and prompted me to pay a sum of

money to initiate the program, and from there, I would make regular monthly payments to Ameritech

just like I would do for my servicer. The agent that I spoke with led me to believe that the money I would

be paying Ameritech would be to reduce some of the interest on my loans, and they told me that they

could get me a lower monthly payment with my servicer if I dealt with them as opposed to dealing with

my servicer on my own, so I agreed. I also sent them recertification forms which they were supposed to

forward to my servicer. I ended up contacting my servicer, and I told the representative about my

dealings with Ameritech. The representative said that they'd never heard of Ameritech, and that I did

not have to go through them to enroll in student loan forgiveness. At that point, I decided to cancel my

account with Ameritech and deal with my servicer directly, as I had done before. I also found out that

the money I had paid Ameritech was really a service fee for them forwarding my documents to my

servicer and negotiating with them, but Ameritech never followed through and my servicer was not

familiar with Ameritech. My servicer also recommended that I seek a refund. Upon discovering this, I

called Ameritech and canceled my account. I also asked that no further charges would be paid to them,

and they agreed. I also asked if I could receive a refund of the money that I paid to Ameritech and they

said no. Any assistance that the BBB can provide in this matter would be greatly appreciated.

Consumer’s Desired Resolution: 

I would like a full refund of the money that I paid to Ameritech Financial for the months of 

February, March, and April as soon as possible. Thank you. 

Complaint Messages 

05/13/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

05/13/2016 - Timothy Jones 

I accept the business's response to resolve this complaint

FTC-BBB-000499

Stiner Attachment A - 14 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 16 of 65 

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

FTC-BBB-000500

Stiner Attachment A - 15 
- 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 17 of 65 

AmeriTech Financial

Case #: 

Consumer Smith , Angela Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(866) 818-9026 

@gmail.com 

http://www.ameritechfinancial.com 

Date Filed: 5/21/2016 7:15:48 PM 

Nature of the Complaint: Advertising Issues

Consumer’s Original Complaint: 

I received a very deceptive mail advertisement from this company. It did not state the business name.

When I called for information I was advised they were a government company working directly with the

department of education. A call to my loan servicer quickly confirmed both these statements to be a lie

Business practices seem very shady.

Consumer’s Desired Resolution: 

No need for resolution. Just a review of the A + rating stated. Seems this is not accurate. 

Complaint Messages 

06/03/2016 - Brandon Frere 

Respond to Complaint

Based on the information provided, we currently do not have a record of this person in our system. It is

our goal to resolve as soon as possible. If Ms. Smith can provide the unique reference number found on

the mail piece, we can continue our investigation into this complaint. Thank you.

FTC-BBB-000501

Stiner Attachment A - 16 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 18 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Savage, Jillian 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(866) 818-9026 

http://www.ameritechfinancial.com 

Date Filed: 5/23/2016 2:00:14 PM 

Nature of the Complaint: Customer Service Issues

Consumer’s Original Complaint: 

I have repeatedly asked this company to stop calling and texting, and they have still contacted me at

least once per week for months now. I have never been a customer, I am not interested in their services,

and I have communicated this clearly via text, phone call and email in response to their solicitations. I

have asked to be removed from their calling list. They nonetheless persist in contacting me.

Consumer’s Desired Resolution: 

I want them to stop contacting me. Forever. They are a slimy, scammy operation and I am 

tired of telling them to leave me alone. I will never, ever, ever give them a cent of my 

money. I just want them to leave me alone. Thank you. 

Complaint Messages 

05/25/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

05/26/2016 - Jillian Savage 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

FTC-BBB-000502

Stiner Attachment A - 17 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 19 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Hayward, Sadelia 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 5/24/2016 5:33:16 PM 

Nature of the Complaint: Service Issues

Consumer’s Original Complaint: 

I was contacted by this company Ameritech Financial stating they would help me consolidate my loans

and enter me into a loan forgiveness program after 10 years. After researching and speaking to them I

obliged and given them access to all of my information including my bank account routing and account

number. I recently found out that they did not consolidate my loans and the information they gave me

was incorrect. I was told I was under a Income based plan of 119 per month and when I reached out to

the student loan company I was told that I was under a standard plan which was 470 per month and

that no money from that company was going to be applied to my student loans. Meaning after 10 years

of 120 payments of 119 dollars all of that money would be going to Ameritech over 14,000 dollars and I

would still be required to pay my student loans. I had to contact my bank and close accounts and

contact the credit bureaus. This has been a very stressful day and has put a strain on my job as I have

been on the phone all day with different companies trying to get this corrected. I had referred this

company to several people that I had to contact and tell not to sign the papers. This company sent me a

rating of A+ from the BBB and information as if they were legit. One of my friends got hit for 1200

dollars from this company. I just want others to be aware and not become a victim to the antics and

smooth talk of these representatives who work for Ameritech.

Consumer’s Desired Resolution: 

I want to be done with this company but wanted others to be aware of the scam. 

Complaint Messages 

05/26/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

FTC-BBB-000503

Stiner Attachment A - 18 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 20 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Warlitner, Hollee 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 6/2/2016 7:42:02 PM 

Nature of the Complaint: Sales Issues

Consumer’s Original Complaint: 

I am being scammed by this Ameritech Financial Company. I received a paper in the mail from them

about student loan forgiveness so I gave them a call. I was on the phone for over an hour and gave

information like my social security number, my bank account information, FAFSA pin, etc. I was told that

they would be automatically taking payments from my bank account through Global Client Solutions

beginning on June 8 2016. I was also told to sign papers and send back a portion of them along with my

recent tax return and current pay stubs. I mailed those papers almost 3 weeks ago and have called this

company twice to see if they had received them and they told me that they had changed addresses and

that they currently had a forwarding address to their new location and mail was only delivered on

Tuesdays. This was a red flag for me. I will be contacting my bank in the morning about this issue.

Consumer’s Desired Resolution: 

I want no further contact by this company because I feel as if I am being scammed 

Complaint Messages 

06/13/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

FTC-BBB-000504

Stiner Attachment A - 19 
 

 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 21 of 65 

AmeriTech Financial

Case #: 

Consumer Duenas , Jason Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

@yahoo.com 

http://www.ameritechfinancial.com 

Date Filed: 6/8/2016 4:23:58 PM 

Nature of the Complaint: Advertising Issues

Consumer’s Original Complaint: 

Mailer received indicated Student Loan Forgiveness. However the company name is not on the mailer.

This makes it impossible to check the validity of this company without wasting your time calling. I called

and without offering my information asked a few questions. The rep spoke for a good 5 minutes clearly

from a carefully written script to get around the obvious fact that this company is a scam. 1. They

require you to provide them power of attorney. 2. They request all your banking info including log in

information as well as my FSA ID log in information. 3. When I asked why their name was not on the

mailer the reply was "we don't want you to google us" EXCUSE ME? I wonder why that is. I'll tell you

why, because you quickly find out that the "service" they offer for a fee of $1200 can be done for free

simply by going to studentloans.org. It literally takes about 15 minutes to "process the documents" (this

is the service they claim to sell). Further they guarantee a review annually to requalify. Since we are

talking a 20 year loan it's pretty lofty for a company that has only been around a short time to make this

guarantee. If you look up student loan scams and what not to do, this company requires almost every

warning sign on the list. 1. Charge a fee. 2. Declare they are part of the Department of Edication 3.

Require power of attorney 4. Require all your log ins for lender web portals 4. Require you provide very

sensitive info like social, DL, Bank Account info etc. This needs to be investigated and shut down. When

asked to speak with a manager a gentleman by the name of Chris got on the line and LIED about the

fees. Calling them instead program payments. Insinuating they go toward your balance. Lastly, the rep

insisted my family size should include distant cousins because I send them birthday gifts and as long as

the number is under 10 "nobody will verify this". Are you kidding me?!?! That's fraud. Plan and simple.

Consumer’s Desired Resolution: 

I would like to see this business and thier shady practices investigated. They need to be 

shut down, plain and simple. In the meantime - no more contacting me or anybody in my 

family. I have brothers with student loans. I don't want them scammed either. Another 

note. I found this company has changed its name a number of times. The only reason I 

can see for this being done is in order to fool the public and keep them from finding bad 

reviews. 

Complaint Messages 

06/15/2016 - Brandon Frere 

Respond to Complaint

Based on the information provided, we currently have no record of this person in our system. The phone 

FTC-BBB-000505

Stiner Attachment A - 20 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 22 of 65 

number provided is disconnected and the address listed in the complaint does not exist. If Mr. Duenas can 

reply with his corrected contact information, or provide us with his unique reference number found on the letter 

he received, we can resume our investigation into this matter. Thank you. 

FTC-BBB-000506

Stiner Attachment A - 21 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 23 of 65 

AmeriTech Financial

Case #: 

Consumer Olmstead, Dale Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

800-792-8621 

@att.net 

www.AmeriTechFinancial.com 

Date Filed: 6/13/2016 2:27:26 PM 

Nature of the Complaint: Customer Service Issues

Consumer’s Original Complaint: 

When approached by the company about student loan forgiveness program we were not clearly

informed that we would be paying them as well as the original loan servicer.

Consumer’s Desired Resolution: 

Send e-mail with thorough explanation of there services and why we pay them as well as 

the original loan servicer. 

Complaint Messages 

07/01/2016 - Brandon Frere 

Respond to Complaint

After repeated attempts to contact Mr. Olmstead we are still unable to reach him. It is a priority for us

to resolve this matter to his satisfaction. Please have Mr. Olmstead contact our Customer Service

department as soon as possible. Thank you.

07/18/2016 - Brandon Frere 

Respond to Complaint

Our Customer Service department has addressed the complaint issued by Mr. Olmstead, and has made

necessary account revisions we believe will meet his expectations for a resolution to this case. However,

Mr. Olmstead has not responded to our repeated attempts to contact him, so we are unable to confirm

if we've met or exceeded his expectations.

07/28/2016 - Mr. Dale William Olmstead 

I accept the business's response to resolve this complaint

Just confirming that Ameritech Financial has satisfied my complaint about the 

information clarification that I had made my initial complaint about. So now I'm satisfied 

with the information from Ameritech Financial. 

FTC-BBB-000507

Stiner Attachment A - 22 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 24 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

EISENBARTH , PATRICIA 

@HOTMAIL.COM 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 6/21/2016 1:30:16 PM 

Nature of the Complaint: Refund / Exchange Issues

Consumer’s Original Complaint: 

This company contacted me, in regaurds to student loan forgiveness. I provided them with all my

personal information regaurding my student loans and allowed them to take a higher payment from my

checking account in return after one year my payments would be lowered and forgave in 10 years. I

received a suspecious email which in turn I contacted my previous student loan company Fedloan

service they advised me to contact and report because it was another student loan forgiveness scam.

Consumer’s Desired Resolution: 

I want back the money they took from my checking account. I am currently working on 

getting back with Fedloan service and going back to my current student loan repayment 

plan. I also would like others to be warned so they dont face this situation 

Complaint Messages 

07/06/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

07/14/2016 - Brandon Frere 

Respond to Complaint

Client has received a full refund, and has confirmed via email that the issue has been resolved to her

satisfaction.

FTC-BBB-000508

Stiner Attachment A - 23 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 25 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Kendrix, Donyale 

@hotmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 6/24/2016 2:54:12 PM 

Nature of the Complaint: Service Issues

Consumer’s Original Complaint: 

This is a fraudulent company that has several other company names they work under. They take people

personal information and do whatever they want with it. They are not able to provide any proof of

payments towards any student loans and their customer service can not accurately answer valid

questions. The one website they work under is www.fercp.com with an address and number of 311

Professional Center Dr Ste 200 Rohnert Park, CA 94928. 800Ͳ488Ͳ1490. Another website they work

under is www.afbcenter.com with the same number of 800Ͳ488Ͳ1980 and same address. When Jill

Heller emailed me needing personal info she email me from an Ameritech email address and the

physical address of 1101 Investment Blvd Ste 290 El Dorado Hills, CA 95762. The website on the email

address is showing www.ameritechfinancial.com with a different company number of 800Ͳ792Ͳ8621. All

of these companies need to be investigated and shut down. I am sure there are several more companies

operating under the same umbrella because I get several calls a day about student loans.

Consumer’s Desired Resolution: 

Discontinue the allowed practices of this fraudulent company. 

Complaint Messages 

07/26/2016 - Tom Knickerbocker 

Respond to Complaint

Ms. Schaffer, 

Hope you had a terrific weekend! 

Regarding this complaint, we have made numerous attempts, with both calls and emails, to reach out and 

resolve the complaint with Ms. Kendrix since 7/5/2016. 

We have yet to receive any response and do not know how to proceed with the resolution of this complaint. 

It is our top priority to get this resolved in a timely manner, and to uphold the resolution timeline set by the BBB. 

Please let me know what information I can provide you so that we do not get penalized for this case. Thank 

you, have a great week! 

FTC-BBB-000509

Stiner Attachment A - 24 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 26 of 65 

07/26/2016 - Donyale Kendrix 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is partially satisfactory to me.

I have talked to Holly Novack at Ameritech and she has further explained what it is that company

actually does. She was hesitant of answering my question of what is it the company does different

from what a client can do themselves to get the same results but I have read between the lines that

there is nothing different and clients can do the footwork themselves. She has also made it clear that

the original rep that I talked to was a new employee and was not clear on the training received to

handle calls efficiently. I found this to be a pattern with another rep as well. Holly has advised me that

the training department has been notified of this discrepancy for their reps to get more thorough

training.

FTC-BBB-000510

Stiner Attachment A - 25 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 27 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Noble, Deana 

@yahoo.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 6/30/2016 7:11:48 PM 

Nature of the Complaint: Service Issues

Consumer’s Original Complaint: 

I contacted ameritech financial to help me repay my student loans. When I talked to the representative

they assured me that my payment would go toward paying my loans down and allow me to be eligible

for further funding for my education. I made 5 payments of $257.00 an amount that I could barely spare

and survive on, only to find out that not one cent went on my loans. When I inquired where to money

had gone I was told it was fees on their service of entering me into the program. I asked what the

program was supposed to do since it was not authorized to collect funds for the lender, and they said it

was to fill out the paperwork which the lender does for free. These people stole a total of $1285.00 from

me for doing something that the lender does without fees. They need stopped before they do this again.

Consumer’s Desired Resolution: 

I want my money back and I want them shut down so they can'T steal from anyone else. 

Complaint Messages 

07/11/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

07/16/2016 - Deana P Noble 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

FTC-BBB-000511

Stiner Attachment A - 26 
-

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 28 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Davis, Craig 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 7/13/2016 12:58:42 PM 

Nature of the Complaint: Customer Service Issues

Consumer’s Original Complaint: 

I did not understand about eͲsignature??? How is that legal I still had paperwork to sign VIA mailed to

me and they took out of my account $207.00 and I still havent signed and sent in the paperwork??? I

did'nt like the verbage of the paperwork I recieved they said to sign and they would fill in the rest.I

called to get a refund but things did'nt go well they said they would give me $100.00 of the $207.00 so

AMERITECH takes advantage keeps $100.00 for what anouther sales pitch to take money for what

servicies how about my time wasted.

Consumer’s Desired Resolution: 

I want my $207.00 back they said 100% satisfaction Im not 

Complaint Messages 

07/15/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

07/17/2016 - Craig K Davis 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

FTC-BBB-000512

Stiner Attachment A - 27 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 29 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Forbes, Barbara 

@ymail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 7/15/2016 2:38:44 PM 

Nature of the Complaint: Advertising Issues

Consumer’s Original Complaint: 

I took out a parent plus loan for my daughter, I had some difficulties during that time. I requested

forbearance from Fed Loan with whom I had the loan and was told to look out for information in the

mail that would be sent to me. A few days later, the forebearance information arrived but under a

different name. The name was Ameritech Financial. I am aware that different companies do change

their names from time to time. I went ahead and provided the information that was required. I also sent

documents such as a blank check, three most recent paystubs and most recent income tax return. I was

informed by Alayna Miley That my payments would be $207 monthly. The first payment was made on

April 7/16. Shortly after the payment was made, I received another eail equesting additional documents.

Again, I emailed the document. This went on frequently, the request of additional documents. During

this time, I received a bill from ed Loan for $1015 due on July 17. I called Ameritech and spoke with

Rheianna Contreras who assured me that once the document was received the issue with Fed Loan

would be resolved. I faxed the document which was a family size letter three times and was still

receiving emails for the same document. I called Ameritech again on 7/13/16 at 4p to determine why I

was still getting emails for a document that was faxed several time. The customer service representative

with whom I spoke, took my information and said someone would call me the next business day. I

waited patiently until noon and did not receive a call. I called Ameritech at 12:15P on 7/14/16 and spoke

with Theresa Dowdell. I told her I was disappointed not hearing from the company and asked her exactly

what was going on regarding my payments. She informed me that no payments were made to Fed Loan.

The payments that have been made were for their fees only because they have to reapply on a yearly

basis for forbearance. She told me to hold for her supervisor but never came back on the line that was

the last I heard from company

Consumer’s Desired Resolution: 

I would like to have the total of $828 that was deducted refunded back. I was falsely misled 

by this company. 

Complaint Messages 

07/19/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

FTC-BBB-000513

Stiner Attachment A - 28 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 30 of 65 

07/20/2016 - Barbara A Forbes 

I accept the business's response to resolve this complaint

Better Business Bureau:

Hello Ms. Schaffer, 

Thank you for managing my previous complaint regarding Ameritech. I've been in touch with Ms. Novak from 

the company. We both have decided that Ameritech will initiate a refund check in the amount of $431.09. This 

amount should be post back to my account within 5-7 business days. Once this is done, this issue will be 

resolved. 

I have reviewed the response made by the business in reference to my concern, and find that this resolution is 

satisfactory to me. 

FTC-BBB-000514

Stiner Attachment A - 29 
-

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 31 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Krot, Eve 

@yahoo.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 7/17/2016 4:06:32 PM 

Nature of the Complaint: Service Issues

Consumer’s Original Complaint: 

I had contacted AmeriTech Financial regarding student loan reduction. They said I was eligible for the

William D. Ford Loan Forgiveness (which is legitimate) and I sent them the paperwork for that. I was told

that my loans were going to be switched from Navient (my current student loan servicer) to another

student loan servicer. This new student loan servicer is Global Client Solutions in Tulsa, OK that is known

for helping scammers charge up front fees for their debt settlement paperwork. I feel that I have now

fallen victim for this type of student loan scam. It is nice that they helped me with the paperwork, but it

did not show I would be charged over $1100 for their paperwork help. Because AmeriTech Financial set

this up through Global Client Solutions, I feel this "other student loan servicer" which is not a student

loan servicer at all, but a debt collection management company shows that AmeriTech is not

representing their financial services correctly.

Consumer’s Desired Resolution: 

Refund all the fees that they are trying to charge me, cancel the account with GLobal Client 

Solutions in Tulsa, OK, discontinue Auto pay with my bank, Bank of America (which was 

required to enroll in this program), and no more contact. 

Complaint Messages 

07/20/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

07/20/2016 - Ms. Eve Krot 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

FTC-BBB-000515

Stiner Attachment A - 30 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 32 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Talbot, Michael 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 7/19/2016 2:05:53 PM 

Nature of the Complaint: Service Issues

Consumer’s Original Complaint: 

I was informed by Ameritech financial representative that I would be entering a Student Loan

Forgiveness Program at a set rate on a monthly basis with Loan forgiveness after a determined time

frame. The paperwork was processed as a new consolidation loan at a standard payment plan that is

163.00 more per month than I was informed it would be. I was assured that I would have a significant

amount of my loan forgiven at the end of the term and now am being told by the Student Loan Service

Provider that received the "consolidation" that it is a basic consolidation and not a Loan Forgiveness

Program at all. I was with a student loan company that was working for my me and at an amount I could

afford with a limited time remaining. Now, I am starting all over with a New 25 year loan term at a

higher payment that was not agreed upon.

Consumer’s Desired Resolution: 

I request a written transcript of the conversation that was recorded between myself and 

representative Aryan Carafa at AmeriTech as well as a written explanation of why I was 

taken advantage of and am now in a new program that was not agreed upon in the initial 

conversation. 

Complaint Messages 

07/20/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

FTC-BBB-000516

Stiner Attachment A - 31 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 33 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Sizemore, Laura 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(866) 818-9026 

http://www.ameritechfinancial.com 

Date Filed: 8/8/2016 4:40:27 PM 

Nature of the Complaint: Advertising Issues

Consumer’s Original Complaint: 

I wanted to reach out about a scam involving a sham of a "company" called Ameritech Financial and

student loans. I've received numerous harassing direct mail pieces stating "URGENT: FINAL NOTICE" and

"IMPORTANT PERSONAL INFORMATION ENCLOSED." Inside the envelopes, I've received notices

demanding to action to "declare" my student loans with the "U.S. Student Loan Department." These

direct mail pieces are actually not the work of a government agency but a small, scam company called

Ameritech Financial. This type of advertising is not only false in nature, but extremely harassing. As

someone who works in the advertising field, I'm aware of the bounds of false advertising and this is truly

harassment marketing. The words "Ameritech Financial" never once appear on any direct mail piece and

they are pretending to look like the U.S. Department of Education mail pieces. Once you call, they gather

all your personal information and try to "consolidate" your loansͲ meanwhile taking a HUGE chunk of

your money and ripping you off. They send pieces of mail constantly demanding you contact the

"Student Loan Department." Most people would assume this is a formal document about their loans,

because they include all your personal contact information and the exact amount of your loansͲ which

coincidentally, is public knowledge that they are exploiting. They send these mail pieces to THOUSANDS

of people to take advantage of them and scare them into giving them all of their money. TOTALLY

WRONG.

Consumer’s Desired Resolution: 

They need to provide their actual name on these marketing materials and stop pretending 

to be the U.S. Department of Education! Also, no more "response mandatory" or wording 

like this when referring to someone's loans. People who are receiving these forms are being 

misled. 

Lastly, if someone asks to be removed from their mailing list- they need to actually remove 

people. I've asked to be removed MANY times and still get materials. 

Complaint Messages 

08/31/2016 - Brandon Frere 

Respond to Complaint

FTC-BBB-000517

Stiner Attachment A - 32 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 34 of 65 

The mailer to which Ms. Sizemore is referring to contained a disclosure at the bottom which reads: 

Important Disclosures: The Company does not assume or pay consumer debts. This is not a loan or a 

lending offer. Company provides document preparation and processing services for a fee. Company 

products and services are optional and mutually exclusive from each other. See terms of contract for 

complete details. We have many success stories but cannot guarantee warranty or predict the outcome 

in any particular situation. There are many free government programs available and you may apply on 

your own directly with the DOE for its services without fee. This is not a government program. For 

more information please direct all questions and inquiries to [phone number]. 

Please note that there should be no confusion over whether AmeriTech was affiliated with the government. 

It also clearly states that “Company provides document preparation and processing services for a fee.” The 

current mailer contains disclosures to ensure no confusion. Moreover, even the verification script has the 

consumer acknowledge that it is not a government program - as well as it being clearly stated on our website. 

All marketing is cleared by our attorneys before being used. 

08/31/2016 - Ms. Laura A Sizemore 

I do not accept the response made by the business to resolve Complaint:

I am rejecting this response because:

While my concern was with the content of the marketing materials and the lack of company name, I was

also very disturbed by the fact this company continued to send marketing materials to me via mail even

after numerous attempts asking to stop. After being assured that all marketing would cease, I continued

to receive direct mail pieces as recent as last week.

I spoke with Holly Novak from Ameritech Financial today and while she assured me that the marketing

materials would stop, Ameritech Financial has made this promise numerous times in the past. I let Ms.

Novak know that I will not consider this problem resolved until at least a time period of 6 months with

no marketing materials sent to me. As of now, this is an ongoing issue with Ameritech Financial's

unethical advertising and harassment.

While it may be legal for Ameritech Financial to purchase information about my student loan debt, it's

entire unacceptable and illegal to continue marketing harassmentͲ especially when their materials say

things like "Response RequiredͲ FINAL NOTICE" and appear to be a creditor or governmental agency.

Falsifying advertisements as the "U.S. Financial Student Loan Department" should be considered

dangerous to the public as this puts people in risk of financial fraud.

FTC-BBB-000518

Stiner Attachment A - 33 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 35 of 65 

09/15/2016 - Brandon Frere 

Respond to Complaint

Per Laura Sizemore's request, we have removed her information from all future mailing/marketing lists

upon receipt of her initial complaint. There is typically a 4 week lead time for mailing lists to be updated

and suppressed. We can confirm that she will no longer receive any future mail correspondence from us.

There is a possibility that she may receive similarͲlooking mail pieces in the future, but they will not be

originated from, sourced by, or related to our company in any way, and may simply be from another

company utilizing a similar marketing strategy. We have made sure that all data pertaining to Ms.

Sizemore has been struck from our marketing lists indefinitely.

09/16/2016 - Lola Sizemore 

I do not accept the response made by the business to resolve Complaint:

I am rejecting this response because:

As stated in my previous response, I've continued getting direct mail pieces from this company. Their

messaging and materials they send out are extremely misleading and they are falsely impersonating a

government agency. In addition to this, I believe that Ameritech Financial should follow up with a

clarification to all recipients of their marketing with an apology for sending misleading information. It

should absolutely not be acceptable for a company to send out misleading, harassing and threatening

mail materials to innocent recipients demanding that a government agency is requiring the recipient to

work with them. Above all, this company is deliberately trying to manipulate people into work with

them and I consider this issue unresolved until every recipient of their marketing materials has been

informed of their deceptive advertising. Consumers need to be aware of what kind of business this is

and how they have been misled.

FTC-BBB-000519

Stiner Attachment A - 34 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 36 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Denzin, Megan 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(866) 818-9026 

http://www.ameritechfinancial.com 

Date Filed: 8/12/2016 3:57:22 PM 

Nature of the Complaint: Contract Issues

Consumer’s Original Complaint: 

I received multiple mailings from this company advertising that they could help with Student Loan

Forgiveness. I was under the impression that they were affiliated with the government program. It also

advised me it was URGENT and if I didn't call by a certain date I would lose the offer. I contacted them

and ultimately decided to go ahead with "the program." What they did not mention whatsoever was

that they were going to consolidate my loans. This is not what I wanted because I had one where it was

a very low interest rate. They also wanted my log in for my loan servicer, Nelnet. I did not want to give

them my log in, but they had to see what I currently had. They have accessed my account without my

knowledge multiple times and it's very frightening. When I called in to see what the fuss about, the

woman tried to log in to my account but made it locked out and then I had to change MY password for

them. I keep getting eͲmails from Nelnet with changes they have made to my account. Ameritech

claimed they can save me a lot of money, but I needed to pay more for "fees" for choosing their service.

I then asked if I should pay more anyways, because I would like these loans gone sooner rather than

later and they discouraged me from paying more and that I should pay the bare minimum of what they

are asking. After reading other complaints on BBB website, I have grown very concerned if I fell for a

scam.

Consumer’s Desired Resolution: 

Please stop accessing my account with my REAL loan servicing company. I also no longer 

want to be a part of Ameritech and want to go back to my regular, real loan servicing 

company. They are more accessible and are 24/7 while Ameritech advertises they are as 

well, but if you call after 5pm, the person just takes messages so the next day the agent 

can call you back. It's all very misleading. I expect the money I paid to be used for my loan 

payment as well. 

Complaint Messages 

08/26/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

10/20/2016 - Ms. Megan Denzin 

I accept the business's response to resolve this complaint

FTC-BBB-000520

Stiner Attachment A - 35 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 37 of 65 

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

AmeriTech has resolved my concerns to my satisfaction. The BBB complaint can be unpublished at this time. 

Sincerely, 

Megan Denzin 

FTC-BBB-000521

Stiner Attachment A - 36 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 38 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Schaaf, Mary 

@yahoo.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 8/26/2016 5:13:51 PM 

Nature of the Complaint: Product Issues

Consumer’s Original Complaint: 

Charles Anderson at Ameritech assisted me in preparing my documents for student loan forgiveness. He

went through the qualification portion and when we got the family size he kept saying asking a lot of

questions and rephrasing the definition until he said I qualified for the $0Ͳ20 per month payment. I told

him more than once that the number of people he entered as my family size do not live with me. He

stated that did not matter and that by "support" it could be as insignificant as gifting money or things to

them. When I received my documents, the one regarding family size specifically that the people had to

live in my home. I called Mr. Anderson back and questioned him on the discrepancy. He then sent me

over to his manager, I cannot recall his name, who again read me a version of the definition of family

size. I again clearly said that the number on the form Ameritech prepared for me is inaccurate according

to the definition on the form. He stated the verbiage is confusing and told me not to worry that no one

would verify the information. I told him I was concerned about my documents being accurate. He again

assured me that the family size listed was appropriate as long as I provided some sort of support and

that they did not have to live with me. A few days ago I received a document from Ameritech asking for

verification (names) of the people who I support and on the document from Ameritech it says "such

individuals live with me and receive more than half my support". I feel I was lied to, mislead, and now

have Ameritech taking my money and meddling in my student loans. I am concerned I may have some

sort of consequence, more interest to pay on my loans or a loss of funds with no benefit for the money I

payed. I am concerned that in fact I do not qualify for loan forgiveness or at least a reduced payment

and now I need to figure out how to get back on a plan that is legitimate.

Consumer’s Desired Resolution: 

I would like my account with Ameritech closed and any money I paid refunded, $210. They 

are scheduled to take another payment out on September 4th of approximately $100. I do 

not want them associated with my student loans at all. I do not trust them to be involved in 

anyway any longer. Ameritech uses a third party payment processor, GCS (Global Client 

Solutions I think). They may need to be contacted as well in order to stop payments. These 

payments are withdrawn from my account. 

Complaint Messages 

09/09/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction via refund. Thank you. 

FTC-BBB-000522

Stiner Attachment A - 37 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 39 of 65 

10/20/2016 - Mary Schaaf 

I accept the business's response to resolve this complaint

To Whom It May Concern: 

AmeriTech has resolved my concerns to my satisfaction. The BBB complaint can be unpublished at this time. 

Sincerely, 

Megan Denzin 

FTC-BBB-000523

Stiner Attachment A - 38 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 40 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Brewer, Tasheka 

@yahoo.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(800) 792-8621 

http://www.ameritechfinancial.com 

Date Filed: 8/30/2016 6:46:31 PM 

Nature of the Complaint: Refund / Exchange Issues

Consumer’s Original Complaint: 

I closed my account with Ameritech Financial on 7/7/16, due to being falsely misled by not being made

aware of double payments needing to be made to AF and also my federal student aid service provider,

FedLoan Servicing, simultaneously. Your services did not help with consolidation, and thankfully a

financial catastrophe was avoided by calling and resubmitting my consolidation request and paperwork,

again and correctly, directly with FedLoan. Therefore, your services were of zero benefit. An initial email

on 8/24/16 was communicated regarding refund of the remaining balance of $207. I called AF and was

told that AF did not know where the monies were and to provide statements of the transactions, in

which I only sent the pages of the transactions. On 8/25/16, Holly informed me that the previous day’s

email was not sufficient enough, and that I needed to provide all pages of bank statements, relating to

the belowͲmentioned transactions. On 8/26/16 I obliged, even including August's statement, to prove

that I was not trying to fraud AF. On 8/29/16, Holly left a voicemail stating that she received the emailed

bank statements, and “August did not provide sufficient enough information for us to authorize a

refund, at this time, since we do not have any money to return to you, um, at this point” and to “log

onto your Global Client Solutions account and verify yourself, which you can actually see the billing, that

that was actually returned to you.” I reached a GCS customer service representative on 8/30/16, who

informed me that since my account with GCS was closed by AF, that I possibly could not log on to see my

account information. The representative was kind enough to provide me with a temporary password to

see if that helped, in which case it did not. The representative verified that May & June’s payments were

drafted from my account, and a customerͲinitiated revocation of June’s payment was received and $207

was returned back to my bank account. This proves correct emailed statement information.

Consumer’s Desired Resolution: 

While using Ameritech Financial, $414 total was direct debited from my account, in two 

transactions on 5/23/16 & 6/21/16, which in total should have been refunded during 

cancellation. June’s monthly payment of $207 was revoked back to my bank account on 

7/7/16, leaving a balance of $207 from May due to be returned. 

I am requesting that the remaining balance of $207 be refunded ASAP, in paper check form, 

due to the closing of my bank account to prevent any further misleading charges. 

FTC-BBB-000524

Stiner Attachment A - 39 
_________________________________

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 41 of 65 

Complaint Messages 

09/09/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the Clients inquiry to the Clients satisfaction. Thank you. 

09/09/2016 - Brandon Frere 

Respond to Complaint

Ameritech Customer Service has resolved Ms. Brewer's complaint via refund. She was a pleasure to

work with and we were happy to assist her. Per Ms. Brewer:

Good afternoon, Kristina. 

Thank you, so much, for looking into my situation and understanding the circumstances. You going above and 

beyond to determine where the discrepancies were was impressive, and your superior customer service skills 

and compassion are appreciated. 

I'm looking forward to receiving the paper check in the requested refund amount of $207 and having this matter 

satisfactorily resolved. 

AmeriTech Financial has resolved my concerns. The BBB complaint can be unpublished at this time. 

Regards, 

Tasheka Brewer 

10/20/2016 - Ms. Tasheka Brewer 

I accept the business's response to resolve this complaint

Thank you, so much, for looking into my situation and understanding the circumstances. You going above and 

beyond to determine where the discrepancies were was impressive, and your superior customer service skills 

and compassion are appreciated. 

I'm looking forward to receiving the paper check in the requested refund amount of $207 and having this matter 

satisfactorily resolved. 

AmeriTech Financial has resolved my concerns. The BBB complaint can be unpublished at this time. 

Regards, 

Tasheka Brewer 

FTC-BBB-000525

Stiner Attachment A - 40 
 

-

--

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 42 of 65 

AmeriTech Financial

Case #: 

Consumer Capra, Kristi Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(866) 818-9026 

@gmail.com 

http://www.ameritechfinancial.com 

Date Filed: 9/13/2016 4:47:33 PM 

Nature of the Complaint: Product Issues

Consumer’s Original Complaint: 

I signed up with Ameritech's student loan forgiveness program in May 2016 and have since, as of today,

cancelled my account with this company because I discovered they were not clear, until I inquired for

the fourth time, that they will be collecting a service fee for consolidated my loans every month without

actually paying my loans off. As of today, this company has taken $1,171.00 from my checking account,

none of which has gone to my actual student loans. I have received false and misleading information

throughout this loan process, and this money was paid under the impression that it would be put

toward my loan amount, not a servicing fee. Everywhere on the Internet says to NEVER EVER PAY to

have loans consolidated, but unfortunately I received this information too late. This is a scam, and I feel

scammed. The time wasted over the past three months paying them the payments of $457, $357, and

$357 has now increased my loan amount from $ to $ , an increase of $854, which now also

has interest attached to it. I have lost money and now my loan amount is higher. I do not think this is

right or fair to do to someone who owes money already to a loan company. I am now in a worse place,

and I feel lied to. I do not believe in the benefit of paying them a $99 service fee while my loans increase

into more debt year after year. There is no guarantee this loan will even be forgiven. I do not feel

comfortable paying money while my loan amount continues to climb higher. This is a highly

irresponsible situation. This company is not clear about their servicing, and I am afraid they will continue

to scam the American public who already have debt to pay. I would appreciate it if they do the correct

thing and refund my $1,171 I paid under a false pretense. The supervisor on the phone today refused to

refund me, so I have no choice but to escalate this matter.

Consumer’s Desired Resolution: 

Refund in the amount of $1,171.00 

Complaint Messages 

10/20/2016 - Kristi Capra 

Respond to Complaint

Ameritech has resolved my concerns. The BBB complaint can be unpublished at this time. 

Thank you 

Kristi Capra 

FTC-BBB-000526

Stiner Attachment A - 41 
Financial 

Case#:-

Consumer 

Info: 

Cluckey, Patrick 

Date Filed: 9/20/2016 2:59:42 PM 

Business 

Info: 

Nature of the Complaint: Customer Service Issues 

Consumer's Original Complaint: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado His, CA 9576257 

(866) 818-9026 

http://www.ameritechfinancial.com 

After reviewing the BBB review about Ameritec Financial I wanted to submit a complaint based on the 

review that the company has not changed it's practices. On September 19, 2016 I received a letter 

stating Student Loan Payment Reduction and Forgiveness from the Student Loan Department (assuming 

this is student.gov). Nowhere on the letter does it state the companies names. I called and started to 

give my information and the underwriter told me I could have a family size of up to 9. I was only 

claiming my wife, myself and 2 kids w hich I do for taxes. He stated if I provide gifts to or anything other 

support to extended fam ily they could be included in my family size which I questioned. I started to get 

suspicious about the whole service when I was all of the sudden disconnected. I called back immediately 

and the representative I was talking to was no longer available and they couldn't help me out. During 

the approval process I was never told about the fee's that would be paid or how this program worked 

until I asked. 

Consumer's Desired Resolution: 

This is a very misleading company. It appears they are working with or for the Government 

and are not up from about the fee's. The family size I questioned incase I was ever audited. 

I would like BBB to continue pressure on this company on being more transparent. I got the 

feeling they won't call me back because I was starting to ask too many questions how the 

program works because as a well informed consumer I have never heard of a program they 

were offering. 

Complaint Messages 

10/03/2016 - Brandon Frere 

Respond to Complaint 

Company has resolved Mr. Cluckey's inquiry to his satisfaction. Thank you. 

10/20/2016 - Patrick Cluckey 

I accept the business's response to resolve this complaint 

Hi Kristina, 

Ameritech has resolved my concerns and the BBB complaint can be unpublished at this 

FTC-888-000528 

Stiner Attachment A - 42 

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 43 of 65 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 44 of 65 

time. 

Thanks, 

FTC-BBB-000529

Stiner Attachment A - 43 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 45 of 65 

AmeriTech Financial

Case #: 

Consumer ZAMANI, TARA Business AmeriTech Financial 

Info: 

@GMAIL.COM 

Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(866) 818-9026 

http://www.ameritechfinancial.com 

Date Filed: 9/28/2016 2:05:44 PM 

Nature of the Complaint: Service Issues

Consumer’s Original Complaint: 

I got a letter in regards to my student loans advertising (Student loan forgiveness) so I called the 800

number. I spoke to Jason and he gave me options for student loan forgiveness that seemed to good to

be true. I heard about companies like this that scam students on offering fake student loan forgiveness

programs. I was very interested in the service until he asked me to give him my financial aide (Fafsa)

username and password!! He made it seem like its a normal thing to give him my fafsa password and

username!! At that moment I was sure they are not a legitimate business and are fraudulent. I hope no

one falls for this scam!

Consumer’s Desired Resolution: 

I would like them to explain the process of their student loan forgiveness program and 

where the payments are applied to and how from beginning to end. I also want to know 

how this business makes money and profit? 

Complaint Messages 

10/11/2016 - Brandon Frere 

Respond to Complaint

We have attempted to contact Ms. Zamani multiple times in an effort to resolve her complaint, and

have been unsuccessful so far in reaching her. Our goal is to resolve her complaint to her satisfaction.

She may contact our customer service department any time, Monday through Friday from 8am to 6pm

PST to speak with management regarding her complaint.

FTC-BBB-000530

Stiner Attachment A - 44 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 46 of 65 

AmeriTech Financial

Case #: 

Consumer Patterson, Nina Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 9576257 

(866) 818-9026 

@gmail.com 

http://www.ameritechfinancial.com 

Date Filed: 10/4/2016 11:30:49 AM 

Nature of the Complaint: Customer Service Issues

Consumer’s Original Complaint: 

I would have been trying to contact Ameritech via phone and email with no response. The phone is

ringing busy. This is not reassuring for customers who put their confidence in these companies. Failing to

respond to emails is also disconcerting.

Consumer’s Desired Resolution: 

I would like assurances that I will not be charged by this company. Their poor customer 

services skills have destroyed any confidence that I had in this company. 

Complaint Messages 

10/11/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the inquiry to Ms. Patterson's satisfaction. Thank you. 

10/19/2016 - Ms. Nina Patterson 

Respond to Complaint

Many employees from this company reached out to me and explained that there was a technical error

with the phone. One of the managers reached out to me and reassured me that the company was

working on my behalf. I feel much more confidence in this company and I am happy that they are

working on my behalf.

10/20/2016 - Ms. Nina Patterson 

I accept the business's response to resolve this complaint

Kristina Sciortino and others on her staff have gone above and beyond to aid me in resolving my previous 

issues. I now feel much more secure about working with this company and would recommend this company to 

others. Please feel free to in-publish my complaint. 

FTC-BBB-000531

Stiner Attachment A - 45 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 47 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Thomas, Von 

@cune.org 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

Date Filed: 10/11/2016 9:11:01 PM 

Nature of the Complaint: Sales Issues

Consumer’s Original Complaint: 

I called AmeriTech Financial to reduce my student loans. The gentleman that I talked to, Aryan, stated to

us that our current loans would be in the six figures if I didn't sign up with AmeriTech. If I did sign up for

AmeriTech my loans would go down to $29,000. He then stated that when signing with him he would

take my loans currently under Navient. Aryan stated that my $207 payments would go to my loans. I

received a call from Navient today, October 11, 2016 and they stated that I was overdue on payments. I

found this strange since I thought my payments were going straight my student loans. I called Navient

back and they stated they haven't received anything. Come to find out the $207 goes to the AmeriTech

company. I was scammed out of over $600 dollars from this company.

Consumer’s Desired Resolution: 

I would desire a full refund of our money or at least a majority of money. 

Complaint Messages 

10/25/2016 - Brandon Frere 

Respond to Complaint

Ameritech has resolved Mr. Thomas's inquiry via refund. Thank you.

FTC-BBB-000532

Stiner Attachment A - 46 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 48 of 65 

AmeriTech Financial

Case #: 

Consumer Little, LaDonna Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

@gmail.com 

Date Filed: 10/12/2016 9:55:17 PM 

Nature of the Complaint: Product Issues

Consumer’s Original Complaint: 

As many other people have stated, I also received little yellow cards in the mail which suggested that I

speak to someone about loan consolidation or loan forgiveness. I was very skeptical about it and I had

received several of these cards and had not taken any action but I finally decided to call. I ended up

speaking with someone from Ameritech Financial who was trying to get me signed up. The process was

a little overwhelming and very confusing because I wasn't sure if what they were doing was legitimate.

There were red flags but the person that I was speaking with had a way of convincing me that the

company was legit. He even went as far as to send me links in an email that I could follow to read about

the company and at that time when I clicked on one of the links which was a link to this Better Business

Bureau site, I believe they were accredited. Now when I look at the site the rating is a C, and they are

not BBB accredited at all. The other link that he sent me I believe was an article just talking about how

good the company was and now when I follow that link it brings up a message that says the page does

not exist. So that leads me to believe that there is something fishy going on and I almost believe that

those links were probably set up by the Ameritech company as a way of convincing people that they are

reputable. I am now paying $207 a month for 11 months I believe, and then supposedly my payments

will go down to $119 per month. The first 11 payments that I make I believe are going to a document

processing fee. They wanted the money up front, but heck if i had that kind of money, i wouldn't need

consolidation. That was also a red flag that because that's a lot of money to charge just for completing

some papers. Other red flags were the fact that they asked for my username and password to my

Mohela account. I would consider that a violation of privacy and at the time I was actually so skeptical

about it all that I told them that I wanted to cancel everything. The associate that I was speaking with

was clearly upset that I had decided to cancel and after he failed to convince me that everything was

okay he ended up transferring me back to another person who could help me. Even at that point they

did not want me to cancel so they ended up giving me a day or so to think about it and then they called

me back. I went ahead and went through with it and now I'm regretting it because I received an email

from Mohela warning their customers against financial companies who are out to scam them. All of the

red flags that Mohela mention fit Ameritech Financial perfectly. I also agree with others about the family

household question. They were willing to include anyone that I had even sent a gift to. But I did not

include that many people. The whole thing just seems shady, and people should know what they are

getting into. So at this point I really want my account with Ameritech Financial closed completely so that

I can transfer my loan payments back to a legitimate company. I also would like a refund of the

FTC-BBB-000533

Stiner Attachment A - 47 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 49 of 65 

payments that I have made thus far since April. To my knowledge these payments are not going towards

my actual loan. When I log into my Mohela account my current status of the loans is deferment. I didn't

expect my loans to be in a deferment nor a forbearance. Global Client Solutions is the company that

actually takes money from my account. I want that stopped as well. If not, I will change my bank

information. I'm just ready to get this off my back because it's nerve wrecking to know that you have

been ripped off by a company who has a lot of my personal information.

Consumer’s Desired Resolution: 

I want my acount with Ameritech Financial completely closed, and I want a refund for the 

payments I have made thus far ASAP. I want to be sure that no more money is deducted 

from my bank account. 

Complaint Messages 

10/15/2016 - LaDonna S Little 

Respond to Complaint

To whom it may concern, please close this complaint. I have spoken with someone from Ameritech

Financial who addressed my concerns.

FTC-BBB-000534

Stiner Attachment A - 48 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 50 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Gross, Vanessa 

@hotmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

Date Filed: 10/15/2016 12:21:27 PM 

Nature of the Complaint: Billing or Collection Issues

Consumer’s Original Complaint: 

I would like to file a complaint get a refund from Ameritech Financial. I have called in multiple times to

attempt to close my account and not make any further payments however they are making it extremely

difficult just to close the account. I have made multiple monthly payments of over two hundred dollars

that I just found out are not going to my past medical school loan but for their services which is just

paperwork.

Consumer’s Desired Resolution: 

I would like my money back so I can work with Nelnet and pay the loan myself. I also want 

this business to be more clear in their consumer relations and be held accountable as to 

how they spend the client's money that does not go toward the loan. Please let me know 

the best way to proceed forward. 

Complaint Messages 

10/21/2016 - Brandon Frere 

Respond to Complaint

Company has resolved the complaint to the client's satisfaction via refund. Thank you.

FTC-BBB-000535

Stiner Attachment A - 49 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 51 of 65 

AmeriTech Financial

Case #: 

Consumer Nowlen, Na'Curria Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

@gmail.com 

Date Filed: 12/18/2016 2:28:30 PM 

Nature of the Complaint: Billing or Collection Issues

Consumer’s Original Complaint: 

I was led to believe by a representative of this company that the money I have been paying them for the

last 6 months, $207 a month, was being paid towards my school loans with Fed Loan Servicing. I recently

spoke with a Fed Loan customer service representative and was told that they never received any

money for my student loans and that I actually don't owe any money because my payments are $0. Fed

Loan told me that I should report this incident to the BBB and also contact my financial institution and

local law enforcement agency. I have reached out to the company but have been unsuccessful.

Consumer’s Desired Resolution: 

I would like no further contact with this company and if at all possible a refund for the 6 

months I been paying $207, thinking it was going towards my student loans. 

Complaint Messages 

12/21/2016 - Brandon Frere 

Respond to Complaint

Ms. Nowlen has spoken with our Customer Service team regarding this complaint, and we have resolved

the complaint to her satisfaction. Thank you.

12/21/2016 - Ms. Na'Curria Nowlen 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

FTC-BBB-000536

Stiner Attachment A - 50 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 52 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Vick, Ryan 

hotmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

Date Filed: 12/27/2016 2:41:31 PM 

Nature of the Complaint: Product Issues

Consumer’s Original Complaint: 

not what I expected. misled on the phone. student loans forgiveness/deferment services, is what they

do/advertise, but I was misunderstood as to what this means. (I still must pay back my student loans)

Consumer’s Desired Resolution: 

want out of this service (monthly fee) and should really get a full refund, because product is 

not what I thought. I should have done more research before signing up with them. they 

misled me. this is a scam. criminal act, in my opinion. 

Complaint Messages 

01/10/2017 - Brandon Frere 

Respond to Complaint

Our Customer Service department has contacted Mr. Vick and has successfully resolved all of his

concerns at this time. Thank you.

FTC-BBB-000537

Stiner Attachment A - 51 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 53 of 65 

AmeriTech Financial

Case #: 

Consumer Harp, Crystal Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

@yahoo.com 

Date Filed: 1/14/2017 8:26:25 PM 

Nature of the Complaint: Contract Issues

Consumer’s Original Complaint: 

In June, 2016, I received letter from Student Loan Department mailed to me. I called and was told they

were a student loan company and that I would be making my student loan payments to under their loan

forgiveness program that would lower my total balance due to less than half of what I owe now. Instead,

the payments went to them. Nothing went towards my student loans. I received an email from Mohela,

the company I've been under for years, stating they have reason to believe an outside company is

committing fraud, that they are not a loan company, but charging for services that Mohela provides for

free. After contacting Ameritech, they denied misinforming me and said I misunderstood and refuse to

refund the money. They used Global Client Solutions to deducted from my bank account, $207, August,

Sept, Oct., Nov. plus a $20 in Aug, totaling $848.

Consumer’s Desired Resolution: 

Refund 

Complaint Messages 

01/26/2017 - Brandon Frere 

Respond to Complaint

After speaking with Ms. Harp, our Customer Service team was able to address her concerns to her

satisfaction. Thank you.

FTC-BBB-000538

Stiner Attachment A - 52 
 

-

--

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 54 of 65 

AmeriTech Financial

Case #: 

Consumer Troutman, Benn Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

@yahoo.com 

Date Filed: 1/17/2017 6:56:01 PM 

Nature of the Complaint: Billing or Collection Issues

Consumer’s Original Complaint: 

Ameritech Financial. I have read and heard of other complaints. What I need to do is speak so someone

about this. This is a short, simple explanation: Global Clients Solutions (GCS), set up a student loan

repayment program. I pay them, and a portion of that goes towards my student loan. U.S. Department

of Education is not receiving any money toward my loan. I have been making payments for 10 months.

Global Clients Solutions (GCS) closed and my account was transferred to Account Management Plus

(AcctMgtPlu). I called Ameritech Financial (800) 792Ͳ8621 to ask why the company closed and why my

account was transferred to Account Management Plus (AcctMgtPlu), and why the U.S. Department of

Education has not received a payment. My answers were not answered, they were "Not able to answer

my questions", wanted my contact information (I did not offer that information), and I would "receive a

return phone call". I read your review of this dishonest company, and I need out of this...Whatever this

is that I have with them. I want to repay my student loan and not be taken advantage of from these

scam, dishonest, scum the earth people. Please help me in whichever way possible! Thank You Benn

Consumer’s Desired Resolution: 

Refund 

Released from their corrupt system 

STOP PAYMENTS to them! 

Complaint Messages 

02/13/2017 - Tom Knickerbocker 

Respond to Complaint

We received a notification that the case has been closed due to unresponsiveness on our part. I just wanted to 

let you know that we've been repeatedly attempting to contact Mr. Troutman with no success, on every 

business day Monday through Friday. At one point, we were told by Mr. Troutman to only call him after 5pm 

EST, but we haven't been successful in contacting him since then via phone or email. 

It is our goal to reach out to Mr. Troutman and address his concerns, and we will continue our attempts. 

Thank you. 

FTC-BBB-000539

Stiner Attachment A - 53 
Financial 

Case#:-

Consumer 

Info: 

Mishigan, Teny 

Date Filed: 1/ 26/ 2017 12:00:00 AM 

Business 

Info: 

Nature of the Complaint: Refund / Exchange Issues 

Consumer's Original Complaint: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado His, CA 95762 

8007928621 

I was originally approached by a man by the name of Ben Dugar, who had reached out, claiming that my 

present loan providers (Navient), were a scam company, and that his company, AmeriTech wanted to 

help students like myself pay off their debts quickly and easily. He claimed that they reached out to help 

hundreds of people such as myself be warned from scam loan providers, and stated that he wished to 

help me pay my debt off. Although this w as a lengthi ly conversation, towards the end, Ben had claimed 

that AmeriTech would be my NEW loan providers, and that I would NO LONGER need to give any money 

towards Navient. I specificially asked: "So, I don't need to work with Navient anymore? And the money I 

pay AmeriTech, will go towards my loans?" His response w as "Yes, absolutely." I unfortunately, did sign 

a contract with them, and would be paying $207 a month TOWARDS MY LOANS. Over time, I had 

received correspondence from Navient, saying that I was on forbearance. I thought this was quite 

strange that I w as still receiving mail from Navient, when I thought I was no longer associating with 

Navient, at all ! I immediately called and spoke to Navient, and found out some disturbing news ... not 

only had I accrued $1200 (from my ORIGINAL loan providers) in interest w hile I was paying AmeriTech, 

not ONE SINGLE DOLLAR of the money I spent with AmeriTech, went towards my loans, at all ! I have 

absolute proof of this in my account! Even more disturbing, is that a representative at Navient, told me 

someone was ca lling and pretending to be Teny M ishigian (myself)! There were several documented 

phone calls of someone claiming they were me! They had been obviously, using my social security 

number, birthdate, address, etc.! Not only is that a violation of privacy, it is indeed, ILLEGAL to do! Also, 

when I spoke with Navient, they had WARNED me of AmeriTech (and similar scam companies). I w ent 

on your website and likewise, found several complaints of AmeriTech being a fraudu lent company. After 

I discovered that I was being scammed, I cal led the number given in their e-mail, and a lady answered 

"phone answering service", and w hen she transferred me, the phone rang, and immediately hung up ! I 

called back after being promised that I w ould be able to speak to a representative, and another "phone 

answering service" woman said she did not know what AmeriTech was, and that she only worked for 

"the phone answering service" and had "no association with AmeriTech". Later, a woman by the name 

of Kristine called me, and after angrily discovering that I indeed was scammed, she had assured me that 

her company had "helped hundreds of people lower their monthly payments", yet, interestingly enough, 

Navient had NO KNOWLEDGE of a single payment going towards my loans! When I told her the claims of 

Ben Dugar, she informed me that "he no longer worked there). I knew I was involved in a huge scam. 

Now, I have yet to get a subpoena so I may see proof of documented calls to Navient from AmeriTech, 

FTC-888-000541 

Stiner Attachment A - 54 

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 55 of 65 
--

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 56 of 65 

claiming they were me. I am absolutely frustrated, aggravated, and upset that someone would take

advantage of so many innocent people such as myself, who works two jobs in order to pay my bills, and

stay afloat! Not only did they take my money dishonestly, they lied about who they were, and cost me

more money, in the end! I speak on the behalf of innocent people and students like myself, who deserve

their right to receive justice.

Consumer’s Desired Resolution: 

I am hoping that the BBB can investigate into my claim (and I'm sure, many others), 

that this company is indeed fradulent, makes false claims, and also, engages in illegal, 

shady activity in posing as people/using personal information illegally. 

Refund $2255.00 

Complaint Messages 

02/21/2017 - Tom Knickerbocker 

Respond to Complaint

We've been able to resolve this case with Ms. Mishigan. We initially had some difficulty contacting her, but was 

able to receive a confirmation that we've resolved her concerns to her satisfaction, and will be happy to assist 

her with any questions moving forward. 

I also believe she may have emailed the BBB directly about the resolution of her complaint, but I'm unable to 

confirm that. 

Thank you! 

Tom Knickerbocker 

Executive Vice President 

FTC-BBB-000542

Stiner Attachment A - 55 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 57 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Giffard, Tim 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

Date Filed: 1/26/2017 4:56:39 PM 

Nature of the Complaint: Advertising Issues

Consumer’s Original Complaint: 

I was literally on the phone with a customer service rep from this company while I was on your website

reading all the BBB complaints against them. The sales rep and "underwriter" both stated that family

size is determined by factors that are total falsehoods. They stated that family size includes people that

"HAVE lived with you this year, HAVE received gifts from you or received financial support including

assistance with rent, bills or even food." They absolutely mislead me and got hung up on only after they

were able to take a look at my financial information regarding student loans only after they were able to

analyze my income debt and life etc. People used to get arrested for this type of thing in this country.

Consumer’s Desired Resolution: 

The mail notice still insinuates that they are affiliated with the department of education or 

the federal government in some capacity. The title of the notice claims they are the 

"Student Loan Department" the company name "Ameritech Financial" is not on the notice at 

all and they still claim that "failure to respond to this notice could cancel this offer". 

Complaint Messages 

02/21/2017 - Brandon Frere 

Respond to Complaint

Update: Our team is continuing to attempt to contact Mr. Giffard on a daily basis with no success. It is

our goal to address his concerns in a timely manner. While Mr. Giffard is not a client of Ameritech

Financial, we would still like to try and address any and all concerns he may have. Thank you.

FTC-BBB-000543

Stiner Attachment A - 56 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 58 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Staplefoote, Christine 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

800-792-8621 

Date Filed: 3/9/2017 9:19:27 AM 

Nature of the Complaint: Contract Issues

Consumer’s Original Complaint: 

They contacted me about my Student Loan at a lower price and I agreed but the money was not going

towards my Student Loan. It was a business I was paiding to kept my Student Loan Mohela from

contacting me. I paid them over $2,000 dollars. Thinking it was going paying my Student Loan and it

wasn`t.

Consumer’s Desired Resolution: 

I will like for other people to know this is a bad business deal. 

Complaint Messages 

03/29/2017 - Brandon Frere 

Respond to Complaint

Our Customer Service team was able to contact Ms. Staplefoote and successfully address each of her 

concerns from her inquiry to the BBB. Through out conversation, Ms. Staplefoote expressed that she was 

appreciative of the resolution that was provided to her, the Company's explanation of what exactly how we are 

able to help our clients, and that satisfied her concerns. The Company takes great pride in meeting and 

exceeding each Clients expectations. Thank you for the opportunity to resolve this inquiry. 

FTC-BBB-000544

Stiner Attachment A - 57 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 59 of 65 

AmeriTech Financial

Case #: 

Consumer De Zess, Troy Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

@aol.com 

Date Filed: 3/15/2017 3:23:54 PM 

Nature of the Complaint: Customer Service Issues

Consumer’s Original Complaint: 

I have told this company to stop contacting me

Consumer’s Desired Resolution: 

I want the company to stop contacting me, no phone, email, and postal mail. 

Complaint Messages 

04/12/2017 - support@ameritechfinancial.com 

Respond to Complaint

Regarding this complaint, our customer service team initially contacted Mr. De Zess, providing proof of his 

removal from all future methods of contact. After multiple attempts to confirm resolution of the case, we have 

still been unable to receive confirmation from Mr. De Zess that we've satisfied all of his concerns. Mr. De Zess 

is welcome to contact our Customer Service department at any time in the future, as we believe to have 

addressed all issues in the respective complaint. Thank you. 

FTC-BBB-000545

Stiner Attachment A - 58 
 

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 60 of 65 

AmeriTech Financial

Case #: 

Consumer Banfield, Joy Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

.com 

Date Filed: 3/28/2017 9:26:59 AM 

Nature of the Complaint: Customer Service Issues

Consumer’s Original Complaint: 

After reading the information regarding this company on your website I have found out that they have

misrepresented themselves to me. Also, when they were helping me fill out my application for student

loan assistance they told me that family size is not documented and not verified. The family member

does not have to live in my home but as long as I can state I provide assistance I can count them as a

family member.

Consumer’s Desired Resolution: 

I would like a refund of the money that I have been paying them. And for them to cancel 

my services with them. 

Complaint Messages 

04/07/2017 - Brandon Frere 

Respond to Complaint

Our Customer Service team was able to contact Ms. Banfield and address her concerns, as well as answer all of her 

questions. We are happy to have been able to clarify any miscommunication that may have occurred. Per a communication 

directly with Ms. Banfield, "Thank you for contacting me to resolve my issue. After speaking with you today, I am 

comfortable saying Ameritech has resolved my concerns and the BBB complaint can be unpublished at this time." The 

client wishes to keep her complaint private, and as a Company we respect their decision. Thank you. 

04/07/2017 - Joy Banfield 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me. I am satisfied with my resolution with Ameritech, but after reading the

message from them to you, it bothers me to see the way it was written. If feel my resolution required

me to state my complaint can be unpublished. Privacy was not my issue. It is Ameritech's issue. I just

want to make that clear. Thank you for your assistance with this matter.

FTC-BBB-000546

Stiner Attachment A - 59 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 61 of 65 

04/27/2017 - Brandon Frere 

Respond to Complaint

We apologize for the miscommunication, at no time do we require a complaint to be unpublished. It was our 

understanding that the Client wished for this to occur. Please consider this response so that we can clarify our 

joint understanding of the resolution now, at this time. Thank you. 

04/27/2017 - Joy Banfield 

I accept the business's response to resolve this complaint

Better Business Bureau:

I have reviewed the response made by the business in reference to my concern, and find that this

resolution is satisfactory to me.

FTC-BBB-000547

Stiner Attachment A - 60 
-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 62 of 65 

AmeriTech Financial

Case #: 

Consumer browne, alden Business AmeriTech Financial 

Info: Info: 1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

@yahoo.com 

Date Filed: 4/11/2017 7:52:31 PM 

Nature of the Complaint: Service Issues

Consumer’s Original Complaint: 

ameritech financial sold me a nice dream. Trying to reach an agent is crazy. Im talking to a receptionist

when i call their 800 numbers. Then they tells me i have wait 48 hours for an agent to called me back. i

really want to know is this a legitimate company to help people with their student loans. For this

company to use former president OBAMA name to reel people in is crazy. i made payments starting

from march 14, 2016 for $207 a month. That's for 9 month. now i have other student loans company

sending emails stating that i owe them money and calling me. I just want to know is this company legit

or phony? can you please help out

Consumer’s Desired Resolution: 

if my money that im sending ameritech is not going towards my student loans, i need a 

refund period 

Complaint Messages 

04/21/2017 - Mr. alden browne Jr. (Review) 

Respond to Complaint

Ameritech has resolved my concerns. it wasn't good communication me and the agent, but 

everything was taken care of and i appreciate there time. 

FTC-BBB-000548

Stiner Attachment A - 61 
 

-

- -

-

Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 63 of 65 

AmeriTech Financial

Case #: 

Consumer 

Info: 

Colocino, Joshua 

@gmail.com 

Business 

Info: 

AmeriTech Financial 

1101 Investment Blvd Ste 290 

El Dorado Hls, CA 95762 

(800) 792-8621 

Date Filed: 4/20/2017 4:58:36 PM 

Nature of the Complaint: Advertising Issues

Consumer’s Original Complaint: 

I was contacted by Ameritech about my current college loans detailing that financially they aren't

feasible and trying to determine a alternative of making payments due to the financial stress its put on

me. Ameritech representative and I spent over an hour going through what the process would look like

for my current situation. Representative explained that based off my current amount of college loans

($ ) through Navient, they would be able to help me and take my loans from $ to

$35,000 for my entire education. All that was required was them to complete documentation and

financial information from me. This resulted in me sending them my current tax return, previous tax

return and multiple other documents supporting my financial status. For them to complete this

paperwork and filing, would be $900 which was broken up into 3 payments of $300 monthly until the

documents would be filed. Once documents would be filed I would be then paying what I assumed and

was told would be $119.00 going to my college loans of $35,000. After two months of not hearing or

getting any information back, I finally started researching and finding out what the company was doing

was filing paperwork that I could complete myself through Navients website. The documents were not

anything with decreasing my loan amount but to halt my loans from being in repayment and placing my

interest baring (meaning entire loans are halted, interest would be gained). My loans would now go

from $ to almost $300,000!! I called complained that I was mislead and wanted to halt all

processing and service. Once I filed complaint and asked for my account to be stopped, I requested that

I receive my $900 back as the filling was unreasonable and truly a ripoff. I was informed that money

could not be returned and I would no longer have a account with Ameritech. I lost $900 and now am

back in my financial downturn due to the misleading and misdirect of this horrible company.

Consumer’s Desired Resolution: 

I want a refund of my payments to file the paperwork and an apology from the company for 

misleading and misdirecting me resulting in more hardship. 

FTC-BBB-000549

Stiner Attachment A - 62 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 64 of 65 

Consumer Name Date Closed Narrative Outcome

Melvin Hernandez 6/7/2017 The representative at AmeriTech Financial led me to believe that after 10 years of payments to AmeriTech, in the

amount of $207 per month, my loan would be reduced to around $20,000. And the monthly payments I would be

making would go towards my loan. I have been paying this company for a year based on the information I was

given, and this caused my Nelnet loan to delinquent. In the application process, they instructed me to provide

false information regarding my family size in order to complete the documents. The representative I spoke with

instructed me to apply for PSLF based on their analysis of my financial situation. I submitted my application and

all paperwork on 5/13/2016. I called on 5/23/2017 the Fed Loans dept to inquire about the status of my

qualifying payments and was told my application was never received. I would not have known if my employer

qualified for PSLF because my documents were never submitted, and according to the PSLF program, the

department determines this information. Extremely frustrated, I spoke with AmeriTech on 5/22/2017 and

5/23/17 and was transferred to a supervisor, Abhinav Joshi whom went by AJ. I demanded a refund for all

services paid. I was advised that he would review the tapes from my initial conversations to assess the validity of

my claims. He advised that all agents are instructed to read through a script during the application process. After

reviewing the tapes, AJ called me back advising they would not be able to refund my money based on his

observations. I did not want to take his own word for it, so when asked if I can obtain a copy of the tapes to hear

for myself, AJ advised that it would not available to me. On 5/23/2017, I spoke with yet another representative

asking about the status of my PSLF submission. She advised that my form was never sent and she could not give

me a reason. She called back after researching and instructed that I never gave AmeriTech my consent to submit

my application. I told her that was incorrect, that I submitted and signed the forms. I demanded a refund again

and was transferred to AJ. He advised that AmeriTech does not have to send in the PSLF application until later

because â€œit was uselessâ€. I donâ€TMt understand why they would have me Įll out an applicaƟon, and not send

it if it was useless. They could not give me a reason why. Per the PSLF guidelines that you can find on the

Department of Education website, it states, â€œHowever, if you ultimately do not meet the eligibility

requirements for PSLF, you will be responsible for repaying the entire balance of your laon, including all accrued

interest â€ How will I have known if I were even qualiĮed if my applicaƟon was never sent? I asked AJ again why I

could not get a copy of tapes, and his response was: â€œthat's just what my manager said, I don't

knowâ€. I demanded that this case be escalated and asked for manager contact informaƟon. AJ could not

provide that information, and a

I want 100% of my money refunded for services that

were not delivered.

Katrina Lewis 6/11/2017 I was referred through a person to give this business a call for 'loan forgiveness' because we work for a qualifying

company. They took information Ͳ logged into my Navient account, obtain bank information; only to start taking

money without any service. I have not been 'approved.'

I want my money returned and a letter stating that

no other collections will be withdrawn from my

account.

Christine DeJongh 6/23/2017 I want to warn anyone out there that is thinking this is any kind of solution, to run the other way. They lied to me

and told me that any gifts or money counted towards family size on 'the program they were signing me up for.' I

asked and questioned because I live alone. They ended up stating that my household size was way bigger than it

is and qualified me for 'the program' that was supposed to allow me to pay for 20 years with a small amount to

them for processing the paperwork and after that the remainder of the loan would be forgiven. All they do is put

your loan in forbearance. I asked about this paperwork and was told to stop paying my loans to Navient and this

was just to make sure everything was current until approval was done. NOT ONE DOLLAR THAT I PAID WENT TO

MY LOANS. As renewal approached I did some more reading on them and saw the same things happening on

BBB. I called and questioned and was told that they have 'retrained' their sales staff and that I do not now (which

means never did) qualify for this program. There is no program. All it does it but your loans in forbearance which

I never needed in the first place. I was told this was a new program that was better than the one I was in. Now I

have to start from square one with the Department of Education which I don't have time to do and my loans

have been accruing interest the whole time. Total scam.

I want to be put back to whole. My loans where they

should be, any extra administrative fees refunded as

well and my time and aggravation and any other

detrimental costs. I will end up with a higher loan

payment now after making other financial decisions

based on 'the program' This effects so many other

financial decisions.

Felicia Barr 7/16/2017 Ameritechfinancial took over my student loan for a lower payment each month that supposed to go to my loan

holder great lakes after six months i have to recertify with Ameritechfinancial with my monthly budget the

representative told me over the phone that they cant get into my account with great lakes unless i set up a

password for her to use.i called great lakes and they informed me that Ameritechfinancial never made a payment

to them since march 2016 .

I would like my balance of 1620 00 that i have payed

out to Ameritechfinancial over the course of six

months return to me.

Stiner Attachment A - 63 
Case 4:18-cv-00806-SBA Document 70-1 Filed 03/05/18 Page 65 of 65 

Consumer Name Date Closed Narrative Outcome

Lisa Shenk 8/4/2017 Good morning. I hope you have had your coffee. I mistakenly trusted Ameritech Financial to consolidate my

student loans, draft automatically from my bank account each month under the impression my student loans

were consolidated and that amount of money drafting from my account was going towards the entire amount I

owed for my education. I did research, but I wish I would have done more. My real student loan was in

forbearance and my automatic draft was not being applied to it. I called Ameritech to ask where that money was

going. I talked to Tyler (who is a supervisor) about my concern. He talked in circles, and I let him know I heard

what he was saying, but my concern is the fact that I have consolidated my student debt, I'm making

payments to lower the amount owed, and my payments have yet to be applied to the base of the loan that has

now GROWN by approximately $2,000 without explanation. I mentioned holding on to all documents I had

received from Ameritech during my consolidation (June 16Ͳ Oct 16) & also mentioned involving the BBB if we

could not resolve the situation. He put me on hold (multiple times) to 'chat with a supervisor' about my

situation. By the end of our chat, they had offered me a $1,000 refund. I was livid. They took more money than

that from me, but ultimately, its about the principle. I requested 2 things in our conversation: My money back &

my YELP review they are using on the front page of the website to be taken down. I have since updated that

review on YELP to reflect accuracy. I do not want people to make the mistake I've made due to the praise I

mistakenly gave them. I strongly base my opinions on online reviews, which is why this is important to me. The

yelp review is the reason I am writing you now. I do not know how else to get them to remove that after my

multiple requests via email and during that phone conversation with the supervisor(s). They did refund me $1,450

of the money they took from me as long as I had the understanding that we were 'parting amicably'.

Don't get me wrong, I was happy to get that money back, but I am wondering what type of business can get

away with operating like this. I would be happy to answer any questions you may have, feel free to email me at

@gmail.com, but please see what you can do about getting my YELP review removed from

https://ameritechfinancial.com/. Thanks for your time. Lisa Shenk

I want my inaccurate YELP review removed from the

front of their webpage. I have updated it on YELP

and requested it be permanently removed from their

website multiple times via email and phone

conversation. This is important to me & has not be

done yet.

Chelsea Olds 8/8/2017 I started paying my student loans through AmeriTech Financial because they said it was a student loan

forgiveness. I've been paying them for 9 months and they have not paid he money towards my actual loan at

all. My loan is still the same as when I began paying them.

I would like a refund for all the money I paid into

thinking that it was actually going towards my overall

student loan.

Carlos Clara 8/15/2017 Noncompliance in student loan reduction, and money paid to Ameritech that was not applied to the loan I would like a refund of the money that I spent.

Desiree Sheely 8/22/2017 I received a notice that they could help with Student Loan Payment, Reduction, and Forgiveness. I called them,

they said they could help and I qualified for the loan forgiveness program but i'd have to pay so much a

month for their services and to be put into this program. This was Feb of 2016. I was told I was approved and they

needed documentation which I sent and I though all was great. My first payment was March of 2016 and I never

missed one payment. Today I looked at my lenders page and saw that it wasn't showing any plan that I was

in and my amount owed was now $26,000 higher because of capitalized interest on my account. This was due to

Ameritech putting my loans into forbearance, without advising me that there were issues for the past year and a

half. I was lead to believe I was in a IncomeͲBased Repayment program and found out today that I was never

approved and they failed to tell me this. However, they didn't fail to collect their fees every month and allow

my interest to continue building. They advised they would give me a refund of some of the money but not all and

they will do nothing further to help me get all of this straightened out. They stated they are doing an investigation

on their end to make sure this doesn't happen to anyone else. This does not help me and has hurt me now

financially because I now have more interest on my already large sum of money that I owe on my student loans.

I would like to be reimbursed the full amount that I

have paid for their services and I would like the

accrued interest to be removed from my loans or

handled by Ameritech Financial. I would also like

something in writing to provide to my student loan

lenders explaining that I was doing the right thing by

handling my loans and trying to stay on top of

repaying it by being responsible and contacting a firm

to help. Ameritech failed to provide the service that

they promised from our first conversation.

Michael Diacont 9/8/2017 I signed up for the program over a year ago. Contributing about $100 to $200 a month to go towards my student

loans. I received a call stating my payment will go up $500 a month. I then realized that none of my payments

went towards my student loans. Ameritech was keeping it for fees. I feel I was scammed. Called customer service

and they said sorry it is our fees. I am seeking a lawyer to get a refund.

I would like to have a refund

Stiner Attachment A - 64 
Case 4:18-cv-00806-SBA Document 70-2 Filed 03/05/18 Page 1 of 5 

Stiner Attachment B 
4128/2016 888 cf Noriheasl California Mail - Jl.merilech 

Better 

Business. Laurie Aiexander <la!exander@necai.bbb.org> 

Bureau 

Ameritech 

Gmall Personal Wed, Apr 27, 2016 at 7: 12 PM 

To: Laurie Alexander <lalexander@sacramento.bbb.org> 

They did give me 1 refund but they billed again so I will contact them again to see ✓nen they are going to refund 

the other amount 

Melissa Wells SLP-A 

fOuotea tex. hidden) 

FTC-BBB-000168 

Stiner Attachment B -1 

Case 4:18-cv-00806-SBA Document 70-2 Filed 03/05/18 Page 2 of 5 
4128'2016 886 <i Northeast California Mail • Fwd: Isiah IJcCdl @ Ameritech Financial 

Better 

Business Laurie Alexander <la!exander@necal.bbb.org> 

Bureau 

Fwd: Isiah McCall@ Ameritech Financial 

Word Play Wed, Apr 27, 2016 at 7:15 PM 

To: Laurie Alexander <lalexander@sacramento.bbb.org> 

Here are the most recent I can forward you all of them. 

Melissa Wells SLP-A 

Word Play lie 

NOTICE: This e-mail (and any attachments) may contain PRIVILEGED OR CONFIDENTIAL information and is 

intended only for the use of the specific individual(s) to whom it is addressed. It may con1ein information that is 

privileged and confidential under state and federal law. This infonnation may be used or disclosed only in 

accordance with law, and you may be subject to penalties under law for improper use or further disclosure of the 

information in this e-mail and its attachments. If you have received ihis e-mail in error, please immediately notify 

the person named above by reply e-mail. and then delete the original e-mail. Thank you. 

Begin forwarded message: 

From: Isiah McCall <isiah.mccall@ameritechtinanciai.com> 

Date: April 19, 2016 at 12:50:02 PM MST 

To: Word Play 

Subj ect: Re: Isiah McCall@ Ameritech Financial 

Ok, we will issue you a reiund for your last payment for ihe amount of $207. The refund will be 

placed back into your account between 7 to 10 business days. 

On Tue, Apr 19, 2016 at 12:08 PM, Word Play wrote: 

. Then yes please just refund me last months amount and I Will suck up the other amount 

Melissa Wells SLP-A 

Word Play lie 

NOTICE: This e-mail (and any attachments) may contain PRIVILEGED OR CONFIDENTIAL 

information and is intended only for the use of the specific individual(s) to whom it is addressed. 

It may contain information that is privileged and confidential under state and federal law. This 

information may be used or disclosed only in accordance with law, and you may be subjeci to 

· penalties under law for improper use or further disclosure of ihe information in this e-mail and its 

. attachments. If you have received this e-mail In error, please immediately notify the person 

named above by reply &-mail, and then delete the original a-mail. Thank you. 

On Apr 19, 2016, at 10:58 AM, Isiah McCall <isiah.mccall@ameritechfinancial.com> wrote: 

Hello. 

If you are wanting to petition for a larger refund amount then that means that you 

were not satisfied with the offer of the last payment to be refunded back to you. So 

again. if you are wanting 10 petition for a larger refund amount than you can write a 

petition explaining your situation and why you feel that you deseNe a larger 

amount. If you are saying that you will be satisfied with the refund amount of the 

last payment then that means that you will not be Vvriting a petition for a larger 

refund amount. The decision is yours. 

FTC-BBB-000162 

Stiner Attachment B -2 

Case 4:18-cv-00806-SBA Document 70-2 Filed 03/05/18 Page 3 of 5 
BBB or Northeast California Mail - Fwd: Isiah McCall@ Amesitech Finarcial 

Thanks, 

On Tue, Apr 19, 2016 at 10:39 AM, Word Play 

wrote: 

I did tell you I would except the last payment as a refund, but that I want to 

have the other amount refunded to if you were listening to me. Your customer 

services skills are very inconsistent and unreliable you don1 listen to customers 

when they talk. So yes please process the refund for last month and I will deal 

with the rest 

Melissa Wells SLP-A 

Word Play lie 

. NOTICE: This e-mail (and any attachments) may contain PRIVILEGED OR 

· CONFIDENTIAL information and is intended only for the use of the specific 

individual(s) to whom it is addressed. It may contain information that is 

privileged and confidential under slate and federal law. This information may be 

used or disclosed only in accordance with law, and you may be subject to 

penalties under law for improper use or further disclosure of the information in 

this e-mail and its attachments. If you have received this e-mail in error, please 

immediately notify the person named above by reply e-mail, and then delete the 

original e-mail. Thank you . 

. On Apr 19, 2016, at 9:18 AM, Isiah McCall <isiah.mccall@ 

· ameritechfinancial.com> 'M"Ote: 

Hello, 

Due to our conversation today, I am letting you know that your 

account has been closed and you wi ll get a official confirmation 

within 24 hours. You were offered a refund for your last payment 

but you have decided to not accept that offer and write a petition 

to our Executive Members explaining your situation and why you 

feel you deserve a larger refund amount. You can send your 

petition to this email and I will forward it to the members and they 

will handle the issue how they see fit. 

Thanks, 

AMERJTECH ~ - ~l"IANCIAl.-

1101 Investment Blvd. Suite 290 

El Dorado HIiis, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameritechfinancial.com 

Customer Service: customer.service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

Web: ww..v.ameritechfinancial.com 

Our Client Promise: 100% Client Satisfaction - 100% of 

FTC-BBB-000163 

Stiner Attachment B -3 

Case 4:18-cv-00806-SBA Document 70-2 Filed 03/05/18 Page 4 of 5 
4128i2016 888 cJ NorOieast California Mail • Ameritech 

Be tter 

Busines:S, Laurie Alexander <la!exancter@necal.bbb.org> 

Bureau 

Ameritech 

Gmail Personal Thu, Apr 28, 2016 at 9:39 AM 

To: Laurie Alexander <lalexander@sacramen1o.bbb.org> 

No the money was only for iheir fees none of the money wen110 my student loans. And that is why I got worried 

and wanied to cancel. Because the fee is charged every month even though they are noi doing anything else in 

the case 

Melissa Wells SLP-A 

{Quoted texl h<lden] 

FTC-BBB-000166 

Stiner Attachment B -4 

Case 4:18-cv-00806-SBA Document 70-2 Filed 03/05/18 Page 5 of 5 
Case 4:18-cv-00806-SBA Document 70-3 Filed 03/05/18 Page 1 of 2 

Stiner Attachment C 
5131/2016 BBB of Northeast California Mail . Re: Ameritech 

Better 

Business Elizabeth Nichols <enichols@nacal.bbb.org> 

Bureau 

Re: Ameritech 

1 message 

Mary Marks ---- Thu, May 26, 2016 at 6:27 PM 

To: Laurie Al~mento.bbb.org> 

Hi Laurie. 

Ameritech will not stop contacting me to try and "resolve" and "remove" my complaint from the BBB. I am NOT 

removing the complaint. I have a feeling this pestering is how they keep their A+ on BBB. I am a completely 

honest person. I reviewed this information with my father (a lawyer) before I contacted you and know this 

company was at fault. Please post my complaint. 

Thank you. If you have any questions and concerns feel free to contact me. 

Mary Marks 

Sent from my iPhone 

On May 2, 2016, at 12:24 PM, Laurie Alexander <lalexander@sacramento.bbb.org> wrote: 

Dear Mary, 

Thank you for your response. It would be great if you could find the contract. Was Ameritech 

going to make the payments to your lender out of the money you paid them? 

Best regards, 

Laurie Alexander 

On Sun, May 1, 2016 at 8:45 PM, Mary Marks > wrote: 

Hello Laurie. 

I no longer have a copy of the contract because they removed it from docusign when I refused 

, to sign after reading some of the finer print. I will try and get it back to show you. The payment 

: information was to the end. It stated I was paying about $70/mo, towards my ioan and $100 to 

' the Ameritech company. When I inquired about that, I was informed that the $100 a month 

' covered filing the paperwork and whatnot. That is a heck of a profit for "paperwork." 

, What else do you need? This person quoted me up and down about their A+ rating with the 

, BBB. Both companies (BBB and Ameritech) are based in Sacremento, CA. Weird. 

Thanks. 

' Mary 

, (?n Thu, Apr 28, 2016 at 12:16 PM, Laurie Alexander <lalexander@sacramento.bbb.org> wrote: 

l Dear Ms. Marks, 

; From your complaint, you state the company took 60% of the loan payment and 40% went 

\ toward your loan payment. Were you making monthly payments to Ameritech and then 

\ Ameritech was making payments on your loan for you? 

j If so, do you happen to have any documentation for that? 

FTC-888-000180 

Stiner Attachment C - 1 

Case 4:18-cv-00806-SBA Document 70-3 Filed 03/05/18 Page 2 of 2 
Case 4:18-cv-00806-SBA Document 70-4 Filed 03/05/18 Page 1 of 3 

Stiner Attachment D 
~ Better !.. Business Elizabeth Nichols <enichols@necal.bbb.org> 

@~~ Bureau 

Re: Your BBB Complaint Against AmeriTech Financial 

1 message 

Timothy Jones > Thu, Jun 2, 2016 at 4:00 PM 

Reply-To: Timothy Jones 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

The only other documents that I received from the business were electronic, DocuSign forms that I 

signed in order to commence what I believed was a student loan forgiveness program. 

On Thursday, June 2, 2016 11:13 AM, Elizabeth Nichols <enichols@sacramento.bbb.org> wrote: 

Good Morning to you too. Thank you for your response. Did you receive any other 

paperwork or written contract from the business? 

On Thu, Jun 2, 2016 at 7:04 AM, Timothy Jones --wrote: 

, Good morning Elizabeth, 

· Unfortunately I do not have the mail notice that I originally received. It advertised a phone 

. 

: number to call if I was interested in student loan forgiveness . 

1 V/r, 

, Timothy Jones. 

Happy Connecting. Sent from my Sprint Samsung Galaxy S® 5 

------- Original message ------

. From: Elizabeth Nichols <enicho!s@sacramento.bbb.org> 

' Date: 06/01/2016 6:52 PM GMT-05:00) 

: To: 

Dear Mr. Jones, 

: I am contacting you today to see if you might be able to provide us with more 

· information about your experience with AmeriTech Financial. We are currently 

investigating this company and anything you can provide us with will be helpful. In 

you complaint you explained that you received a deceptive advertisement from this 

. business in the mail. Do you still have a copy of this advertisement? Would you be 

• able to email me a copy or photograph of the ad? Do you remember any of the 

' claims made on the advertisement? 

! Thank you in advance for your help. Please feel free to give me a call if you have 

any questions. 

FTC-888-000188 

Case 4:18-cv-00806-SBA Document 70-4 Filed 03/05/18 Page 2 of 3 

Stiner Attachment D - 1 
51ncerely, 

Ell.i:aboth Nichoi , T;-,cte Practices Spec/al/st 

Sette~ Business Burec1u serving Notth~ei·'t Ca llfornla 

307.S l:,eiJcon 91Vi'l 

West sacramento1 CA 95691 

91 B,231-8929 

anii;;Mls@ i::l'l!lmento.l:lbb.org 

bbb.org Start With Trust® 

El!z~!, th Nlchols1 irade Practices Spo,;fll ll"t 

Better Bus In ss Elute:, u rvl!'I~ Northeast California 

:3075 Beacon Blvd 

West Sacram nto, CA Sl56Sl'.I. 

9·18-231-8929 

er,ii:hols@sacra men to. bbb. o rlJ 

bbb.org StM With Tr~st® 

Case 4:18-cv-00806-SBA Document 70-4 Filed 03/05/18 Page 3 of 3 

FTC-BBB-000189

Stiner Attachment D - 2 
Case 4:18-cv-00806-SBA Document 70-5 Filed 03/05/18 Page 1 of 2 

Stiner Attachment E 
8/22/2016 BBB of Northeast California Mail - Re: Your BBB Complaint Against AmeriTedi Finsncial 

8 Better ~ Business Elizabeth Nichois <:e11icho!s@necal.bbb.org> 

~~ Bureau 

Re: Your BBB Complaint Against AmeriTech Financial 

1 message 

Sai, Aug 20, 2016 at 8:31 AM 

I don't want Ameritech Financial to get away with scamming others and the refund of 

my money was not technically to render my complaint null and void. It was a want of the 

company that they not be exposed for the frauds they are. I want to warn others that 

Ameritech Financial is a scam and that they are not authorized to collect money for the 

lender Navient who used to be Sallie Mae. I want others to know that they charge fees 

on what they do and that it is free through the lender and that the lender is more than 

willing to take the time to go through the effort to help the borrower understand the 

process. 

Deana Noble 

Wotnen are ,AngeIs 

And when someone breaKs our wings 

We sitnPIY continue to flY ... on a brootnstiCK 

We are flexible 1H::e tha-t 

On Friday, August 19. 2016 5:24 PM, Elizabeth Nichols -:::enichols@sacramento.bbb.org> wrote: 

Hi Deana, 

This is to followup on our conversation about AmeriTech Financial. If you change your 

mind and would like to have your complaint against the company published, you can 

reply to my email here. Hope you have a good weekend and please feel free to call 

me if you have any questions. 

Sincerely, 

Elizabeth Nichols, Trade Practices Specialist 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

1/2 

FTC-BBB-000405 

Stiner Attachment E 

Case 4:18-cv-00806-SBA Document 70-5 Filed 03/05/18 Page 2 of 2 
Case 4:18-cv-00806-SBA Document 70-6 Filed 03/05/18 Page 1 of 3 

Stiner Attachment F 
FTC-BBB-000411 

Case 4:18-cv-00806-SBA Document 70-6 Filed 03/05/18 Page 2 of 3 

Stiner Attachment F - 1 
FTC-BBB-000413 

Case 4:18-cv-00806-SBA Document 70-6 Filed 03/05/18 Page 3 of 3 

Stiner Attachment F - 2 
Case 4:18-cv-00806-SBA Document 70-7 Filed 03/05/18 Page 1 of 5 

Stiner Attachment G 
Better 

Business 

Bureau · 

Fwd: Follow Up from AmeriTech 

1 messi:ge 

Crystal Harp 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Sent from my iPhone 

with heartfelt love! Crystal 

Begin forwarded message:· 

From: Crvstal Harp ~ 

Date: January 18, 20~ 

To: Glantz & Glantz <fldocs@glantzlaw.com> 

Subject: Fwd: Follow Up from AmeriTech 

File ~ 

Attorney Zamakis 

Sent from my iPhone 

with heartfelt love! Crystal 

Begin forwarded message: 

From: Holly Novak <holly.novak@ameritechfinancial.com> 

Date: January 18, 2017 at 3:57:29 PM EST 

To: 

Subject: Follow Up from AmeriTech 

Hello Miss Harp, 

Elizabeth Nichols <enicho!s@necal.bbb.org> 

Mon, Jan 23, 201 7 at 2:36 PM 

Per our conversation, I'm outlining a few details we discussed. 

Your account has been terminated as of 12/14/2015. Billing and Processing was nctified to 

cease all work on your behalf. 

In order to initiate the refund of $848.00 I will need the resolution statement for the BBB. 

Please email me the statement below at your earliest convenience. 

"AmeriTech has resolved my concerns . The BBB complaint can be unpublished at this time." 

Once I receive the statement above the refund will be initiated. Allow 10-14 days for receipr. 

If you have any questions about what we discussed you can refer to case number 

Thank you for your time today. I'm glad we were able to come to a resolution. 

Wami Regards , 

Holly Novak 

Operations Manager 

FTC-BBB-000415 

Stiner Attachment G - 1 

Case 4:18-cv-00806-SBA Document 70-7 Filed 03/05/18 Page 2 of 5 
refer.a meritechfi nanda~ .com 

1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameritechfinancial.com 

ral 

Customer Service: customer.service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinanciai.com 

Web: WIMN.ameritechfinancia!.com 

Our Client Promise: 100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is 

intended only for the personal and confidential use of the designated 

recipient( s) named above. If the reader of this message is not the 

intended recipient, you are hereby notified that you have received this 

document in error and that any review, dissemination, distribution or 

copying of this message is strictly prohibited. If you received this 

communication in error, please notify us immediately by reply e-mail, 

and delete the original message (including attachments). All participants 

in Ameritech Financial's referral program must agree to the Terms & 

Conditions of the program, reviewable at refer.ameritechfinanciaLcom. 

Case 4:18-cv-00806-SBA Document 70-7 Filed 03/05/18 Page 3 of 5 

FTC-BBB-000416

Stiner Attachment G - 2 
FTC-BBB-000417 

Case 4:18-cv-00806-SBA Document 70-7 Filed 03/05/18 Page 4 of 5 

Stiner Attachment G - 3 
FTC-BBB-000419 

Case 4:18-cv-00806-SBA Document 70-7 Filed 03/05/18 Page 5 of 5 

Stiner Attachment G - 4 
Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 1 of 8 

Stiner Attachment H 
Better 

Business 

Burea u 

Elizabeth Nichols <enicho!s@necal.bbb.org> 

Re: FRAUD ALERT - Notice about student loan servicing scams 

1 message 

Crystal Harp > 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

I just received it in the mail last week, I believe Friday. 

Sent from my iPhone 

with heartfelt love! Crystal 

On Mar 23, 2017, at 4:37 PM, Elizabeth Nichols <enichols@sacramento.bbb.org> wrote: 

Hi Crystal, 

Thu, Mar 23, 2017 at 2:23 PM 

Thank you so much for sending these over! All of this is extremely helpful to us. When did 

you receive the advertisement you attached? 

Elizabeth Nichois, Trade Practices Specialist 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

916-231-8929 

enichols@sacramento.bbb.org 

Start With Trust® 

bbb.org 

On Thu, Mar 23, 2017 at 12:52 PM, Crystal Harp > wrote: 

This is the email that 1st alerted me that something wasn't as it seemed. 

; On Thursday, March 23, 2017 3:46 PM, Crystal Harp wrote: 

· On Thursday, October 6, 2016 10:32 AM , MOHELA Student Loan Servicer <mohe!a@moheia.corn> 

wrote: 

U.S. Dep artment of E ducation rmorma.:io-; about your !edcral s!ude nt lo:.n 

FTC-BBB-000435 

Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 2 of 8 

Stiner Attachment H - 1 
Bette r 

Business 

Bureau 

Elizabeth Nichols <enicho!s@necal.bbb.org> 

Fw: FRAUD ALERT - Notice about student loan servicing scams 

1 message 

Crystal Harp ~ 

Reply-To: Crys~ > 

Thu, Mar 23, 2017 at 12:52 PM 

To: Elizabeih Nichols <enichols@sacramento.bbb.org> 

This is the email that 1st alerted me that something wasn't as it seemed. 

On Thursday, March 23, 2017 3:46 PM, Crysial Harp - wrote: 

On Thurs::!ay, October 6, 2016 10:32 AM, MOHELA Student Loan Servicer <mohela@mohe!a.com> wrote: 

OHEIX U.S. Dena.1•tm en t of Ed uestion l::u'.onnatio-; a bout yell.!" fed er a.! :rtn d~t lo::r. 

A DepartrrH,nt or E:d•JG1r.ion Se:vlcer 

MOHELA recently became aware of debt relief companies that are charging fees to help you with 

your student loan such as completing consolidation, applying for an income-driven repayment plan, 

qualifying for forgiveness programs, and/or getting out of default. Caution - you never have to pay 

for student loan help! The U.S. Department of Education contracts with MOHELA to service your 

student loan and we in turn provide services to you for FREE. 

As your dedicated federal servicer contracted to work for the Department of Education, we can 

help you: 

• Lower monthly payments 

• Consolidate federal student loans 

• Check on loan forgiveness 

• Apply for options to postpone payments 

• Resolve delinquency 

I • Get out of default 

• You never need to pay for these services. MOH ELA is committed to providing you with quality and 

complimentary customer service. For help with your student loan, use our official website 

I mohela.com or call using our official phone number 888.866.4352. 

Protect yourself 

Unfortunately, some companies act unethically or potentially illegally to get your business1 · misrepresenting themselves as having a relationship with the Department of Education, violaiing I': 

students' privacy by inappropriately using their FSA IDs, and claiming that government programs 

I 

are their own. The Department of Education continues efforts to crack down on these companies to 

protect student borrowers like you. 

1 

If you think that you've been scammed, learn your options. Many state governments have an 

Office of Consumer Affairs or Consumer Protection either within or affiliated with, the Office of the ' 

Attorney General for each state. At the federal level, the FTC and the CFPB have the authority to 

act against companies that engage in deceptive or unfair practices. 

Learn more about how to protect yourself: http://blog.ed.gov/2016/01/dont-be-fooied-you-neverhave-to-pay-for-student-loan-help/ 

Sincerely, 

MOHELA 

FTC-BBB-000433 

Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 3 of 8 

Stiner Attachment H - 2 
you 

rect~~ivE~ fu tur~.; lnforrriation o-f thi~·~ r1c:)ture. pli~ase 

fvlC)!~-H:.L/\ 1

s {!;i!l?\0 ctnrip;.;1lrJns 

This message is an attempt to collect a debt and any information obtained will be used for that purpose. 

California residents: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act 

require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not 

hara.ss you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading 

statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most 

part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact 

another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may 

contact the Federal Trade Commission at 877.FTC.HELP or vVWw.ftc.gov. 

Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 4 of 8 

FTC-BBB-000434

Stiner Attachment H - 3 
Stiner Attachment H - 4 

Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 5 of 8 
Stiner Attachment H - 5 

Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 6 of 8 
FTC-BBB-000429 

Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 7 of 8 

Stiner Attachment H - 6 
/,, Oepanrnent of Edue:icron Servicer 

MOHELA recently became aware of debt relief companies that are charging fees to help you with 

your student loan such as completing consolidation, applying for an income-driven repayment plan, 

qualifying for forgiveness programs, and/or getting out of default. Caution - you never have to pay 

for student loan help! The U.S. Department of Education contracts with MOHELA to service your 

student loan and we in turn provide services to you for FREE. 

As your dedicated federal servicer contracted to work for the Department of Education, we can 

help you: 

• Lower monthly payments 

s Consolidate federal student loans 

.t) Check on loan forgiveness 

QI Apply for options to postpone payments 

1i Resolve delinquency 

• Get out of default 

You never need to pay for these services. MOHELA is committed to providing you with quality and 

complimentary customer service. For help with your student loan, use our official website 

mohela.com or call using our official phone number 888.866.4352. 

Protect yourself 

Unfortunately, some companies act unethically or potentially illegally to get your businessmisrepresenting themselves as having a relationship with the Department of Education, violating 

students' privacy by inappropriately using their FSA IDs, and claiming that government programs 

are their own. The Department of Education continues efforts to crack down on these companies to 

protect student borrowers like you. 

If you think that you've been scammed, learn your options. Many state governments have an 

Office of Consumer Affairs or Consumer Protection either within or affiliated with, the Office of the 

Attorney General for each state. At the federal level, the FTC and the CFPB have the authority to 

act against companies that engage in deceptive or unfair practices. 

Learn more about how to protect yourself: http://blog.ed.gov/2016/01/dont-be-fooled-you-neverhave-to-pay-for-student-loan-help/ 

Sincerely, 

MOHELA 

lf vou do net ·vvant t.tJ receive future ini'orrnation of this nature;, 

cieHvery. 

This message is an attempt to collect a debt and any information obtained will be used for that purpose. 

California residents: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act 

require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not 

harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading 

statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most 

part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact 

another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may 

contact the Federal Trade Commission at 877.FTC.HELP or www.ftc.gov. 

Case 4:18-cv-00806-SBA Document 70-8 Filed 03/05/18 Page 8 of 8 

FTC-BBB-000436

Stiner Attachment H - 7 
Case 4:18-cv-00806-SBA Document 70-9 Filed 03/05/18 Page 1 of 3 

Stiner Attachment I 
• Better 

-

~ Business 

BBB -- Daniel Stinar <dstiner@necal.bbb.org> Bureau 

Ameritech Complaint 

1 message 

cartos O Clara -> Mon, Jun 5, 2017 at 9:41 PM 

To: Kristina Scio no < ns rna.sc o ,no amelitechfinanclal.com>, Daniel Stiner <dstiner@sacramento.bbb.org> 

Ms. Sciortino, 

I am very disappointed with Ameritech, because I had a conversation with the NELNET financial 

department and they told me that the Department of Education is the only Governmental Institution 

that can provide forgiveness of Students Loans in "very special" circumstances. 

When I started worked with Shane Banning, he proposed to me a plan to reduce monthly 

payment, and Student Loan amount with substantial reduction, that you already know. 

But when the re-payment was transferred from NAVJENT to NELNET, my loan had a higher 

balance and I paid Ameritech more that $2000.00. 

I know just part of this payment was part of the services to Ameritech to conclude my reduction 

loan payment process, that never happened. 

I am having the BBB support, because I consider that is not correct business for me, and I 

hope we resolve this situation soon. 

When Shane Banning made that written proposal on behalf of Ameritech, I trusted in your 

Company. 

I hope to have a friendly agreement. 

Sincerely, 

Carlos Clara 

From:·Krlstina Sciortino <kristina.sciortino@ameritechfinanj:ia!.com> 

Sent: Monday, June S, 2017 4:5:Z.PM 

To: carlos O Clara 

Subject: Please Call 

Case 4:18-cv-00806-SBA Document 70-9 Filed 03/05/18 Page 2 of 3 

Stiner Attachment I - 1 
• 

Hello Carlos, 

I am reaching out because I have not yet received the documentation we discussed. If you w

like to resolve your account and case another way, please let me know. 

Thank you. 

Wann regards, 

Kristina Sciortino 

Customer Service Supervisor 

1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer. ameritechfinancial.com 

Customer Sesvice: customer.service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

Web: www.ameritechfinancial.com 

Our Client Promise: 1003⁄4 Client Satisfaction -100% of The Time 

ould 

NOTICE: The information contained in (and attached to) this e-mail is 

intended only for the personal and confidential use of the designated 

recipient(s) named above. If the reader of this message is not the intended 

recipient, you are hereby notified that you have received this document in 

error and that any review, dissemination, distribution or copying of this 

message is strictly prohibited. If you received this communication in error, 

please notify us immediately by reply e-mail, and delete the original 

message (including attachments). All participants in Ameritech Financial's 

referral program must agree to the Terms & Conditions of the program, 

reviewable at refer.ameritechfinancial.com. 

Case 4:18-cv-00806-SBA Document 70-9 Filed 03/05/18 Page 3 of 3 

Stiner Attachment I - 2 
Case 4:18-cv-00806-SBA Document 70-10 Filed 03/05/18 Page 1 of 5 

Stiner Attachment J 

Stiner Attachment J - 1 
 

 

 

 

 

 

 -

Case 4:18-cv-00806-SBA Document 70-10 Filed 03/05/18 Page 2 of 5 

BBB Scam Tracker Report 

This content is based on victim and potential victim accounts. Government agencies and legitimate

business names and phone numbers are often used by scam artists to rip consumers off. All 

information in this report was provided by the victim. 

Scam ID: 59271 Date Reported: 05/26/2016 Scam Type: Other

Business Information Used by Scammer

Business Name: Ameritech Financial 

Business State/Province: CA

Postal Code: 95762

Business Phone Number:

Business Website: https://www.ameritechfinancial.com 

Business Email: 

Total Dollars Lost: $ 100000.00 Total Dollars Attempted: $ 0.00

Method of Payment: Bank Account Debit

Means of Contact: Phone

Scam Target: Individual

Scam Description: They are charging customers to help consolidated loans or get into a forgiveness 

program. They are not working everyone's loans and clients are defaulting and they never tell customers 

and they keep charging them. As well as lying on government forms they ask client just to leave form 

blank just sign it.. then they fill out there own info which lis is different boxes. They have clients all over

that they are scamming

Victim Information 

Name: Chad Johnson

Age:

Gender: 0

Student: Yes

Active duty military, veteran, or spouse: No

State/Province: CA

Postal Code:

Email: 

Stiner Attachment J - 2 
 

Case 4:18-cv-00806-SBA Document 70-10 Filed 03/05/18 Page 3 of 5 

Phone:

Victim is willing to speak to media: Yes

Stiner Attachment J - 3 
5/26/2016 BBB of Northeast California Mail - The BBB Scam Tracker Report you Filed for AmeriTech Financial 

Better 

Business Elizabeth Nichols <enicho!s@neca!.bbb.org> 

Bureau 

The BBB Scam Tracker Report you Filed for AmeriTech Financial 

7 messages 

sacramento. bbb.org> Thu, May 26, 2016 at 2:00 PM 

To: 

Dear Mr. Johnson, 

We are currently investigating complaints we have received for AmeriTech Financial. I reviewed 

the report you left with _Scam Tracker. Can you tel l me more about your interaction with .the 

company? Did you receive any paperwork or advertising from the company and, if so, would 

you be able to email me copies? Thank you in advance for your time. If you have any questions, 

please feel free to give me a call. 

Sincerely, 

Elizabeth Nichols, Trade Practices Specialist 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

916-231 -8929 

enichols@sacramento. bbb. org 

bbb.org Start With Trust® 

Courtney Johnson Thu, May 26, 2016 at 2:26 PM 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

I was an employee with the company, not a client - so I know everything that they were doing. 

[Quoted text hidden] 

Thu, May 26, 2016 at 2:29 PM 

Do you have any company documents (sales scripts, forms, etc.) you could send us copies of? 

[Quoted text hidden) 

Courtney Johnson Thu, May 26, 2016 at 2:34 PM 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

No I don't have copys of that. All I could provide is the actually data base 

[Quoted texi hidden] 

Courtney Johnson Thu, May 26, 2016 at 2:41 PM 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Stiner Attachment J - 4 

Case 4:18-cv-00806-SBA Document 70-10 Filed 03/05/18 Page 4 of 5 
512612016 BBB of Northeast California Mail - The BBB Scam Tracker Report you Filed for AmeriTech Financial 

The data base would have record of every client and in that database you would be able to see how many people 

they are frauding you would also be able to pull up all the forms that are government forms that they also have 

frauded 

[Quoted text hidden] 

Elizabeth Nichols <enichols@sacramento.bbb.org> Thu, May 26, 2016 at 2:42 PM 

To: Courtney Johnson 

What do you mean when you say you have the database? Also, we suggest that if you have 

documentation supporting your claims, you contact the California Attorney General's office. Here 

is a link to their website: https://oag.ca.gov/ 

[Quoted text hidden] 

Courtney Johnson Thu, May 26, 2016 at 2:44 PM 

To: Elizabeth Nichols <enic 

Thank you I will also reach out to them I just figured I would let you know because they're claiming they have an 

A-Plus rating with you guys but they have no rating at all 

[Quoted text hidden] 

Stiner Attachment J - 5 

Case 4:18-cv-00806-SBA Document 70-10 Filed 03/05/18 Page 5 of 5 
 

 

Case 4:18-cv-00806-SBA Document 70-11 Filed 03/05/18 Page 1 of 1 

Stiner Attachment K is in physical form only, and maintained in the case file at the Clerk’s 

office. 

If you are a participant on this case, this Attachment will be served in physical form. 

For information on retrieving this filing directly from the court, please see the court’s main web 

site at http://www.cand.uscourts.gov under Frequently Asked Questions (FAQ). 

This Attachment was not efiled for the following reason: 

Non Graphical/Textual Computer File (audio, video, etc.) on CD or other media. 
Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 1 of 23 

Stiner Attachment L 
1 

Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 2 of 23 

1 OFFICIAL TRANSCRIPT PROCEEDING 

2 

FEDERAL TRADE COMMISSION 

3 

4 

5 

MATTER NO. 1723027 

6 

TITLE AMERICAN FINANCIAL BENEFITS CENTER 

7 

DATE RECORDED: DATE UNKNOWN 

8 TRANSCRIBED: JUNE 5, 2017 

REVISED: SEPTEMBER 18, 2017 

9 

PAGES 1 THROUGH 6 

10 

11 

12 

TELEPHONE CONVERSATION BETWEEN 

13 BETTER BUSINESS BUREAU REP (JORGE) AND CHRISTINA 

FTC-BBB-00182 

14 

15 

16 

17 

18 

19 

20 

21 

22 

23 

24 For The Record, Inc. 

25 (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

Stiner Attachment L - 1 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 3 of 23 

FEDERAL TRADE COMMISSION 

I N D E X 

RECORDING: 

Conversation between Jorge and Christina 

PAGE: 

4 

Stiner Attachment L - 2 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 4 of 23 

FEDERAL TRADE COMMISSION 

In the Matter of: ) 

American Financial Benefit ) Matter No. 1723027 

Services ) 

------------------------------) 

Date Unknown 

The following transcript was produced from a 

digital file provided to For The Record, Inc. on May 

19, 2017. 

Stiner Attachment L - 3 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 5 of 23 

P R O C E E D I N G S 

TELEPHONE CONVERSATION BETWEEN JORGE AND CHRISTINA 

JORGE: -- Business Bureau. This is Jorge. 

How can I help you? 

CHRISTINA: Hi. I need to get some 

information on a company. 

JORGE: Okay. What’s the name of the 

company? Where’s it located? 

CHRISTINA: And I was just wondering how I 

would go about talking to someone about something. 

JORGE: Well, what’s the name of the 

company, and where’s it located? 

CHRISTINA: It’s called Ameritech Financial, 

and they say they’re in Eldorado Hills, California, 

but they’re really in Rohnert Park, California. 

JORGE: Okay. And you want to inquire about 

their status with us? 

CHRISTINA: Well, I was a recent employee, 

and I think you guys should be made aware of some 

stuff -- some stuff that’s going on there. 

JORGE: All right. Hold on one second. 

Okay? 

CHRISTINA: Okay. 

JORGE: Be -- hold on. 

Stiner Attachment L - 4 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 6 of 23 

Hi. I’m going to go ahead and transfer you 

over to our trade practices department, and they 

should be able to assist you further with your 

inquiry. Okay? 

CHRISTINA: Okay. Thank you. 

JORGE: Yeah. 

(The call was concluded.) 

(The recording was concluded.) 

Stiner Attachment L - 5 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 7 of 23 

CERTIFICATE OF TRANSCRIPTIONIST 

I, Sara J. Vance, do hereby certify that the 

foregoing proceedings and/or conversations were 

transcribed by me via CD, videotape, audiotape or 

digital recording, and reduced to typewriting under my 

supervision; that I had no role in the recording of 

this material; and that it has been transcribed to the 

best of my ability given the quality and clarity of 

the recording media. 

I further certify that I am neither counsel 

for, related to, nor employed by any of the parties to 

the action in which these proceedings were 

transcribed; and further, that I am not a relative or 

employee of any attorney or counsel employed by the 

parties hereto, nor financially or otherwise 

interested in the outcome of the action. 

DATE: 9/18/2017 

SARA J. VANCE, CERT 

Stiner Attachment L - 6 
1 

Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 8 of 23 

1 OFFICIAL TRANSCRIPT PROCEEDING 

2 

FEDERAL TRADE COMMISSION 

3 

4 

5 

MATTER NO. 1723027 

6 

TITLE AMERICAN FINANCIAL BENEFITS CENTER 

7 

DATE RECORDED: DATE UNKNOWN 

8 TRANSCRIBED: JUNE 5, 2017 

REVISED: SEPTEMBER 18, 2017 

9 

PAGES 1 THROUGH 16 

10 

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TELEPHONE CONVERSATION BETWEEN 

13 BETTER BUSINESS BUREAU REP (DANIEL) AND CHRISTINA 

FTC-BBB-00183 

14 

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16 

17 

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19 

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21 

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24 For The Record, Inc. 

25 (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 9 of 23 

FEDERAL TRADE COMMISSION 

I N D E X 

RECORDING: 

Conversation between Daniel and Christina 

PAGE: 

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Stiner Attachment L - 8 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 10 of 23 

FEDERAL TRADE COMMISSION 

In the Matter of: ) 

American Financial Benefit ) Matter No. 1723027 

Services ) 

------------------------------) 

Date Unknown 

The following transcript was produced from a 

digital file provided to For The Record, Inc. on May 

19, 2017. 

Stiner Attachment L - 9 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 11 of 23 

P R O C E E D I N G S 

TELEPHONE CONVERSATION BETWEEN DANIEL AND CHRISTINA 

DANIEL: Thank you for holding. This is 

Daniel. How can I help you? 

CHRISTINA: Hi. So I recently left my place 

of employment after two years because of the fact that 

the way that they were going is just not something 

that I’m okay with, and I really think you guys should 

be made aware of what’s going on with this company 

because I’m sure you have thousands of complaints. 

DANIEL: Okay. And is this Ameritech 

Financial? 

CHRISTINA: Yes. And then I was -- they 

didn’t employ me as Ameritech Financial. They kept me 

under their previous name, which was American 

Financial Benefits Center. 

DANIEL: Mm-hmm. 

CHRISTINA: But they recently changed the 

name because of issues with the other name. 

DANIEL: What -- what was the original name? 

CHRISTINA: American Financial Benefits 

Center. 

DANIEL: Okay. Okay. And, so, what’s going 

on over there that’s concerning you? 

Stiner Attachment L - 10 
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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 12 of 23 

CHRISTINA: It’s a giant scam. Like, it’s 

taking everything in me for me not to call every 

single one of their clients and tell them to stop 

their services. 

DANIEL: Uh-huh. So what’s -- what’s going 

on exactly? 

CHRISTINA: They’re promising them that we 

can get them loan forgiveness, and they’re 

consolidating loans with -- telling clients that they 

get them out of default, and they can’t, and basically 

they’re letting people default, not letting them know, 

and then still taking their money. They had another 

company before American Financial Benefits Center 

called Consumer Debt Collections or whatever. 

DANIEL: Uh-huh. 

CHRISTINA: And they closed that one because 

of lawsuits as well. 

DANIEL: Interesting. 

CHRISTINA: Brandon Frere is a sleazeball. 

DANIEL: Who -- who is -- who is that? 

CHRISTINA: He’s the -- the owner of the 

company. 

DANIEL: Okay. Did you -- did you send us 

an email about this? 

CHRISTINA: No. I wouldn’t be surprised if 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 13 of 23 

you’ve gotten another one recently. 

DANIEL: Okay. 

CHRISTINA: But they’ve literally been 

screwing every one of their employees over. They’re, 

like, hiring people on through temp agencies, at 

higher wages than us. So I quit my job because my 

supervisor kept calling me inappropriate names, and he 

was just being very hostile towards me, so I finally 

gave up and I put my two weeks’ notice in. And then 

they cashed me out on Friday because they didn’t want 

me to come back and try to pull any of the employees 

or my clients’ records. 

DANIEL: Okay. 

CHRISTINA: Like, my name is all over their 

website, like they used me as third-party repre- --

like my name’s on third-party authorization forms, 

like, I’m scared for my -- my well-being and my name 

and what could possibly happen to me because of them 

putting my name on legal documents. 

DANIEL: So -- so what exactly is it that 

they’re doing that you -- that you feel is misleading 

or problematic? 

CHRISTINA: They’re -- they’re scamming 

people out of thousands and thousands of dollars. 

DANIEL: Are they -- they’re --

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 14 of 23 

CHRISTINA: They’re promising people that 

are not eligible for these programs --

DANIEL: Uh-huh. 

CHRISTINA: -- that we’ll get them loan 

forgiveness, that we’ll do all the work for them. 

They charge them over $2,100, up-front, and then $99 a 

month. They don’t tell clients that we don’t make the 

payments for them. They don’t tell clients that, you 

know, there is a possibility that this isn’t going to 

happen; it’s going to be -- you’re going to be taxed. 

They don’t tell them any of this. 

DANIEL: Hmm. 

CHRISTINA: And I know Brandon --

DANIEL: Uh-huh. 

CHRISTINA: -- has friends with the Better 

Business Bureau, and I know he’s gotten rid of 

reviews. I know that for a firsthand because he brags 

about it. 

DANIEL: Interesting. Okay. 

CHRISTINA: They brag about their lawyers 

that they have and how they get away with things like 

this, that there’s very little his lawyers can’t get 

taken care of for him. Like, he -- they’re ruthless. 

DANIEL: How do you -- how do you spell his 

last name, Brandon’s? 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 15 of 23 

CHRISTINA: F E R R E R. 

DANIEL: Okay. And do you -- do you have 

any sort of documentation or anything to support what 

you’re saying? 

CHRISTINA: I worked there for two years. 

I’d be more than happy to type up a statement, but 

when you leave, they literally -- the second you put 

your notice in, they go to your desk, and they remove 

every paper from your desk. And they did that while I 

was not on premises, so when I went to pick up my 

belongings --

DANIEL: Uh-huh. 

CHRISTINA: -- all of my documentation and 

everything had been removed from my desk and my 

filing. 

DANIEL: Wow, okay. 

CHRISTINA: They made us sign some sort of 

waiver saying that we will not work for -- certain 

companies after being employed there. I don’t 

remember what was signed, so I’m scared that I’m going 

to go -- go work somewhere and then later, a couple 

months down the road, that they come back and sue me. 

DANIEL: Oh. 

CHRISTINA: Like, my name is literally on --

it’s legal documents for people I don’t even know what 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 16 of 23 

people they’re for -- or what names or what clients 

they’re for. 

DANIEL: Oh, I hear what you’re saying. 

Yeah, that’s -- that’s --

CHRISTINA: So if these people come back and 

they’re, like, well, Christina Pfeiffer told me all 

this stuff and her name’s on these papers, and I 

wasn’t the one who helped that person, it’s going to 

come back on me, not Brandon. 

DANIEL: Right. Okay. 

CHRISTINA: And they didn’t make us aware of 

this when we got hired. None of that. 

DANIEL: Yeah, well, what was your position 

there? 

CHRISTINA: I was a customer service 

representative. 

DANIEL: Okay. And you said your name was 

Christina? 

CHRISTINA: Yes. 

DANIEL: Can you -- do you want to give me 

your -- your full name? 

CHRISTINA: Is it going to be given to them? 

DANIEL: Not if you don’t want it to. 

CHRISTINA: I mean, I’ll give my first name, 

but I don’t want them coming after me. 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 17 of 23 

DANIEL: Uh-huh. 

CHRISTINA: So if you want, I can -- I don’t 

-- I can go to a lawyer, have them do everything and 

then send it over to you. 

DANIEL: Yeah, I mean --

CHRISTINA: Because there’s people in that 

company that are scared to leave --

DANIEL: Wow. 

CHRISTINA: -- because they make threats. 

They don’t care about their employees, and it’s a 

problem. And, like, I am -- it’s getting to the point 

where I’m going to contact these people and have them 

contact you guys because I don’t want my clients being 

screwed over by a company and I’m not there, and 

they’re still using my name. 

DANIEL: Okay. Yeah, well, we -- we’d 

definitely be interested in you providing us with a --

with a statement, if you can, you know, and if you 

want it to be anonymous, that’s okay; or if you -- you 

know, if you want to provide some sort of contact 

information where we can follow up with you, you know, 

that -- that would be good. But we’re definitely 

interested in looking into the things that you’re 

talking about here. 

Have you thought about contacting the 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 18 of 23 

District Attorney’s Office? 

CHRISTINA: Well, I just got off the phone 

with the labor board because they lowered my wages 

without telling me, and basically the labor board said 

that there’s not much I can do because I got -- I 

received a paycheck, so that was them notifying me. I 

guess I didn’t have to sign anything. 

DANIEL: Oh. 

CHRISTINA: But, I mean, I should go to the 

DA, I’m working with another girl. Her name’s 

Courtney, and she was -- they terminated her because 

she missed two days of work. So she’s already been in 

contact with, like, news agencies and everything. So 

I just wanted to know if there was anything I needed 

to do to protect my name. 

DANIEL: Yeah. Wow. Well, you -- you know, 

if you’re worried about being in some sort of legal 

trouble, you definitely want to seek the advice of an 

attorney. You know, we -- we can’t really give you 

legal advice on something like that. But --

CHRISTINA: Mm-hmm. 

DANIEL: -- you do need to be cautious. 

Interesting, okay. Did they -- did they -- did 

they -- are they instructing people to be misleading 

to the clients there? Is that’s what’s going on? 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 19 of 23 

CHRISTINA: Yes. 

DANIEL: Okay. And how -- how do they go 

about communicating that? 

CHRISTINA: So basically they train the 

sales representatives to tell the clients that they 

have a higher family size than what they really do. 

So, like, let’s say for me, for an example, if I were 

to go and try and enroll with our services, the --

even though I’m single and I have a child, they would 

probably tell me to make my family size closer to 

eight or ten. That way I’m guaranteed a zero-dollar 

repayment plan in that at the end of the ten years, 

they’re supposed to write off my student loan. 

DANIEL: (Inaudible). 

CHRISTINA: Like the Department of 

Education. But they don’t tell the sales reps that 

they’re taxed at the end of it. They don’t tell them 

that it’s illegal for them to fraud- -- or to lie 

about the family size. They don’t tell anyone that. 

And then, so, when it gets to customer service, we 

have to try and manipulate the client into keeping 

their family size that way. So it got to the point 

where I wasn’t comfortable assisting those types of 

clients anymore. 

DANIEL: Yeah. 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 20 of 23 

CHRISTINA: So they opened a retention 

department where they trained people to lie and get 

them to either up their family size or lie about their 

taxes or their filing status, all these different 

things. 

DANIEL: Wow. Okay. Interesting. 

So are you willing to provide, you know, a 

detailed written statement to us? 

CHRISTINA: Yeah. I would just need to know 

what email or where to send that, and I can get that 

over to you guys. 

DANIEL: Okay. I can give you my email. 

CHRISTINA: Okay. 

DANIEL: It’s -- it’s -- I’ll say it and 

then I’ll spell it. It’s dstiner, and it’s D, like 

Daniel; S, like Sam; T, like Tom; I, like ice cream; 

N, like Nancy; E, like Edward; R, like Robert; 

@sacramento.bbb.org. 

CHRISTINA: Okay, Sacramento. I’m sorry, so 

it’s D S T I N E R, @sacramento-dot-what? I’m sorry. 

DANIEL: BBB, like Better Business Bureau, 

dot-org. 

CHRISTINA: Okay. So I can email that to 

you, and then I’ll also email exactly what I put in my 

resignation letter, so that way you guys can see that 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 21 of 23 

as well, so that way you guys can show that this 

company is aware that there is issues going on. I 

mean, we’ve gone to management and literally told them 

about problems, and they said, we’re not going to tell 

the client until they call us; let them keep making 

those payments until they realize something’s wrong. 

DANIEL: Wow. Well, I’m certainly glad 

you’re telling us all this. It’s certainly something 

that we want to know about. Goodness. Well, yeah, 

if you could send that stuff along, Christina, and 

I’ve got your phone number here from the Caller ID. 

Is it -- is it okay if we call you back if we have any 

questions? 

CHRISTINA: Oh, absolutely. 

DANIEL: Okay. 

CHRISTINA: And then is it okay if I have 

Courtney email you what she filed as well? That way 

you can just see, like, the similarities in what’s 

going on? 

DANIEL: Yes. Please -- please do. 

CHRISTINA: Okay. So I will get that over 

to you, and then I will have Courtney do that. And 

then if you have any questions, you can just call me. 

DANIEL: Okay. 

CHRISTINA: Or anyone can call me. 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 22 of 23 

DANIEL: All right. Well, we will 

definitely do that. And I thank you for coming 

forward and speaking up, Christina. Thank you. 

CHRISTINA: No problem. I’ll talk to you 

soon. 

DANIEL: Okay. Take care. 

CHRISTINA: Bye. 

DANIEL: Bye. 

(The call was concluded.) 

(The recording was concluded.) 

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Case 4:18-cv-00806-SBA Document 70-12 Filed 03/05/18 Page 23 of 23 

CERTIFICATE OF TRANSCRIPTIONIST 

I, Sara J. Vance, do hereby certify that the 

foregoing proceedings and/or conversations were 

transcribed by me via CD, videotape, audiotape or 

digital recording, and reduced to typewriting under my 

supervision; that I had no role in the recording of 

this material; and that it has been transcribed to the 

best of my ability given the quality and clarity of 

the recording media. 

I further certify that I am neither counsel 

for, related to, nor employed by any of the parties to 

the action in which these proceedings were 

transcribed; and further, that I am not a relative or 

employee of any attorney or counsel employed by the 

parties hereto, nor financially or otherwise 

interested in the outcome of the action. 

DATE: 9/18/2017 

SARA J. VANCE, CERT 

Stiner Attachment L - 22 
Case 4:18-cv-00806-SBA Document 70-13 Filed 03/05/18 Page 1 of 2 

Stiner Attachment M 
November 16, 20:ts Gofden Gate BBB Membership ·Application 

·-BASIC INFORMATION-- 1 

Company ID# . r1 Record on B'.!S 

384795, American Financial Benefits Centerf Parent 

Legat Name 

DBA 

ArneriTech Ftnartciall <:htiid 

r-tain Loca tion 

Address 

Report 

,---

1 __ 

P.O. Box 805 

Occidental, CA 9546_5 

(Y/N) 

Page: 1 

n 

Descriptio11 of Location 

HQ L.1 Franchise Ccrp-Owned  Fraru::hise Indiv-Owned [xl 

Total Number of Locations for this Company t j 

Brandt loc.atio~ LJ Only Location L 1 

I 

Mailing t.;ocation if different} f ; 

Report ! ~ (Y /Nj 

Parent Company/HQ Name 

HQ Address 

Main Phone Number 

Report 

Cell Phone far eQuote 

Additional Pt.one Number{s} 

Main.Fax .# 

Add~tional fax Number(s) 

URL 

nao0-792-8621r ] 

! I (Y/n) 

0 

D 

866-818-90261 1 

D 

WWV'1.ameritechfinancial.co111; .., 

' ......... 1 

Jwww.facebook.co~/ - ·-·· ...J 

I@ __! 

Facebook Page 

Twitter Account 

Main Email Address il info@ameriteehfin:mdaLcum 'REPORT · I 

~- ~;~; .. : ~11-a-.ndo~@.;lJ);u:dtedil_ltl~da<J..t9fu '. J)NJl 

Branilotil@afl>ceiltette()ni'' ON~ 

This company Offers: Student loan Ccmpany Document Preparation 

~ - --------------- -----·------- ·---··---1 

[

.Area Busl~~~ Se __ rv_e_s_.:_T_h-is- b-us-,-_n_es_ s_s_e_rv_,-_c_e_a_r_-e_a_i_s_na_ ti __ o_n_w_id_e _________ .. _.,. __ -- ---- ·, 

---·--

TOS 

Additional TOB(s} 

Entity 

Business Start Oate 

Verification Document 

Incorporation Date/State 

Number o-f Empfoyees 

G~oss Annual Safes 

Arinual # of Customers 

License NumberDate SubmtttM! November 16, lOIS 

l20047--000: 

~ 

Financial Servl--ces J 

i __ ;

:Corporationl 

l 1/11/12 

{Corp/Ll.C/Partnership/etc ... ) 

2011-CA 

@=] 

&li[ __ l

l J 

tlLicense Agency 

Sales Person: Karen Fazzina #l<A~ 

FTC-BBB-000152 

Stiner Attachment M 

Case 4:18-cv-00806-SBA Document 70-13 Filed 03/05/18 Page 2 of 2 
Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 1 of 15 

Stiner Attachment N 
I 

On Mon, Elec 14, 2015 at 11:27 AM, Br ndon -rere <brandon@amerltechfinancial.com> wrot : 

DBrilQI, 

It wee a pleasure speaking with you tocfay . Per our conversation, please find attaoMd tl'io pr!m;;iry 

contract arid ell nt paiym nt !.lthor!;::@t!on for AmeriTach; Plasse revl w, tl'iol'i ~Iv m o. co.II with @ny 

eiucstlons you m y hrave. I 

I look forward to hearina from you. 

rhanK youl 

Warm Regards, 

AMERllECH 

~ - F It- I\ NC I ,'. 1,-

Brandon Frere 

P1-~sldent & CEO 

A1rn:riTi,:ch fim1nciul 

11 01 InvcsLmr.:11LBivd lllco:290 

El Dorado Hi lls, CA 9!i762 

flhnne: 800-792•8621 ext. 101 

~II : 707-758•0662 

ru,x; 800-878-1182 

Em i i: brunclon@\&msdI@GlJElnancjaLcom 

Website; www.Amer!Tecl1flnancl.al com 

Our Client l?romis,e,;, 

I I 

100% Client Sati faction & 100% of The Time 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 2 of 15 

FTC-BBB-000137

Stiner Attachment N - 1 
NOTICE: The infom1ation contained in (and attached to) this e-mail is intended only for the personal 

' and confidential use of the designated recipient(s) named above. if the reader of this message is not 

, the intended recipient, you are hereby notified that you have received this document in error and that 

. any review, dissemination, distribution or copying of this message is strictly prohibited. if you 

· received this communication in error, please notify us immediately by reply e-mail, and deiete the 

• original message (including attachments). 

FTC-BBB-000138 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 3 of 15 

Stiner Attachment N - 2 
AMERITECH 

- FINANCIAL -

1101 lnvcstmcnt Blvd Suite 2.90 

El Dorado Hills; CA 95762 

T'l1.:1>hom:: (800) 792-8621 

Fax: (866) 81 R-9026 

Wohsltc; www.AmeriTcchFinanclal.com 

Do ·umcnb,: income.doc@AmerlTcch'Fim1nd11l.com 

Email: SUfJfJOi•t@Amc ri1cchFin11ncial.com 

Client Name: Client#: 

Addrc:,;s: Home Phone: 

City, $fate, Zip Other Phone: 

Thank you for conh1ct1111, Aln riTcch Financial, Based on the information you have pl'ovided t1,1 our 

1.:1.-111,p,11,y, \,\le believe that you may qua lify for one or mme stude11( Ion,, n,. slstance pr grnms offered b 

the United States Dopartment M Reh1 cncio11 , Amcl'i'rcch Ji'immcial ("Ar") is a privately owned company 

that helps consumers like iOU identify progrnms that may bu suitable f'or their situation, s.athe,·. ch eil' 

relevt'i 11L uppli cution documents, and then assists th 111 by prcpo1·h1i thosr: do1,: t111ienLs fo r revie,,11 nnd 

submission, To begin, we nee(] LhJ;? fo llowins i!rformution from you; 

l. Pleusc carefully read the oncll)~ei;I a1:,11•ee1,,e1H, 111,d moke sure th11t ull puges urc signed nnd 

dated whoro indl c1;1.t~d. 

2, Plcusc prov ide a COf'iY of a v¢lded chec.l{. ulml with the 1.1tluched uulhorizution forms, signed 

by the [1¢1,: ,~11\t holder who is remitting the program payment. 

3, After yo~1 have fa:-,:1:ld yo~11• d ew\\J;?lll · pleuse contuct Al· at 1-800-792-8621 i::xl. 0 and sp~ak 

t·o u lie1it Services Representative to verify all docun11a:11tatlcin ha.s hr:en 1'e1,:olved, Vt'iu 1TJu~1 

11 lso email your documentation io: 

i11con11:.,1nc@AmsriT(;chFinaudn.l.com 

4. 13c sure to retain a copy of all clocume,Hs for yt1 11r record ·, 

D~1e ( the iinpor!u1ic• of this materiEll and so that we may start wol'king fo1• you ;1~ s(loi\ u:> po~sible, 

pl ·ase return these docum nts to A1tte1·!Tooh , j11uncit l vin ~cc ur fax, email lo 

i11 co1110.doc@AmeriTeehFiirn11r.l tl .eo111 , or rnull to 1101 lnvc~tmcnl Blvd Suite 290, El Dorado Hill~, A 

9S762 1s s Oli u~ pos~iblc, 

Jr you have a.ny qu~silor1. who11 revi ewing lhe utluched documents. pleuse fee l fr (; to contact yo~11· 

Amel'iTech l' inuncinl Client Services Roprosontativo directly ai Je800-792.-1i162. I. 

Client Signature: _________________ _ Dute: _______ _ 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 4 of 15 

FTC-BBB-000140

Stiner Attachment N - 3 
ArncriT ch Financh,I 

Privncy Poli y 

AmeriTeeh Finllllfai11l (h tr:iln,d\er" ompany") is dedicuted to pr t; ctin lit' J;J iv,11.y rind providing you 

with !he highest level Ofl!lef'Viee. Thi~ Policy explains whllt omp, Tl>' doe lo keep infl rmation about you 

privat and s • •ure, hi, f>l llcy eovurs on ly infbrm111ion tlmt yu provide ti ompany or that it obtains 

about you from c~mp.in ies thnt you have chosen lo do businr:s with, Plea e read this Policy carefu lly 

and contact u · if yo11 have :my questions. 

Personal lnfornrntiun We ollect 

lh p •rsrn,,il lnfcll'mation we co llect Hbou'\ you com1;1S fr m the following sources: 

• lnfonnlltion we ti:etiive from you, such as your nHnH.:, uddr ss. und tr;: l!;!plw111;1 n~1mbe1·, or 

other information thut ym1 provide to us ov0r tho phonu or in documents or upplicutio11s, 

• lnfornrntion ob ut y,,ur tr(t11soctions, such as your account bol nc s ,-vith >'Our 1,m~ditors, 

pnyment histories, account uctivi ~. 11nd all (hflt in formation that may be contHined in your 

credit i.nrd :,:tate1,,ont$ or other reports relating to your deb'!, u11 d 

• Information we ruceive from consumer r1;!1) rtl11 a eneles and other sources, such as your 

credit burr:m1 reo 1'1.s, collection agency reports or odlf.::r co111munie,1.tlons, and othur 

information relating to your puy111ent hi~tori(l!l, creditworthiness, annuul income, or ubiliLy l<J 

~ntisry your obligations. 

Wu wi ll not s ·II or tr,11,sfi r your personal information to third p11rtie · for !lllY pur1~0. e in our sole 

discretion, W prohibit U, snlo 01· transfer of pcrsonul information to 1mn•ufli li,l'led erititiu~ for thi;ir use 

withou! giving you the opp riunliy to opt-out. We may disclose such infonnmi n 1!1 ordi,1• to rn~ct or 

cart)' out any trnnsuclion thot you have requested of· us or as necessary to c mpleto our contractual 

ob ligations wi1h >'Ou , We 1rwy ,ii o ~hare your information with service provi,iers that pe1•f~)i'tn bu. incss 

operations for us. i; 1'll111111les that act on our behalf to murket our :s rviccs, 1)r {1thf;lr only as p rmittcd or 

required by law, ·uch us to proteut against fruud or in r•sponsr: to 11 ~ubpo nu, We mr1y al. o share or 

transfer our infbrmutinn 111 lho v nt we transf r or se ll your occoun or nur busl11es~ ,1s. ots to another 

provider, 

By carrying out tho~e . ervlccs, we may disclos your informt\'liM, CIS we see nt and as pormittcd by law, 

to your credit rs, i;rl;!dlt cord companies, collection ngenci s, bunks, ,111(1 c,th t ntitl s and individuals 

spcciticul ly ni:eessory to i,fn~et, admin ister and perf rm our " rvic1:s. 

Your hoicc · / Opt-uni 

W provide you the opportunity to 'opt•out1 of hovln yottr p0ri1onally idontitiablc information used for 

c rtnin p1,1rpo~o . By providing informuti Ii LO omi,.,ny you are consenting to the collection, u • und 

di ·olo~1,1r!'.l of such persona l information in th• m:rn 1,er ckiseribod in this privacy policy, We provide you 

thi:i opportunity to withdraw your cOJm:nt whe11 such Information is colluctcd. 

"vi.:h consent may be withdrawn by eullin the telephone number provided below or muy be {lone ir1 

v1rltli /email and sent to our cufSCOn'l!;;!t' .~rvllle departt111Jnt at thu following physir.:u l uddress or enrnll 

n~ldi· s.: 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 5 of 15 

FTC-BBB-000141

Stiner Attachment N - 4 
AmcriTcch Flnnnclnl 

1101 Jnvestme,u Blvd Suite 21)0 

El llonnlo Hill·, CA 95762 

If hy email: s11ppoi-t@An1criTl·chlin11ncial.com 

If by phone: l,800, 7!>2-R621 E':".tCrl~ion; 0 

How W · Protect Your Information 

We t1•:i in ~1~11• !;.11n1,lo:ye1:s to protect all customer information. Wr.!i mainta.in 1~hysica l, electronic .inr.! 

f')rncedL11'11 i r,;\'.11nrols tlrnt comply with govcrnm~nt !iltanda1·ds. We autlmri7,e ou1• emf. lo;yee:;:, n1.:1~11rs Qr1el 

comro.eiors LO gel ilifonnntion about you only when th1;;y need it to do thei1· wo1•k with L1S, Yciu e,1n hel1, tu 

mui1u,1li1 Lhe ~i;;ourity of your onlinu tra11saction1, by not sharing you1· l)Cl'St111~1 lnJ\1r11iutlo1 Ci1' 1?11sswor·d 

witl, i111yonc. Remember, no mdhod of trnnsmission ovur thu lnlfll'l~llL, or mdhoel or cle(;(r~ 11ie st.orn~e, i~ 

100% ecun:. 

This policy applies to current and for11101· cuskmers. 1ryo11 huv!;.I u1v llticstions, pleuse contuct 

AmcriTech Fi11011ci;'II 11l 1101 l11vr.: tmenL Blvd Suite 290, El Dorado Hi lls, CA 95762 

Cli ·nl Sionatu1·0: _________________ _ Duhi:. ________ _ 

" Notice 111'C11111:ell11tii111" 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 6 of 15 

FTC-BBB-000142

Stiner Attachment N - 5 
D11tc:.~---------

"Ynu mliJ' canccl lhl transnctlon, withuut an fliH18lt 01· oblhintlon within ten (Ill) bu. Inc . <la from th 

nhuve date, 

If you 1111 • •I nny prnpcr't traded In, 11ny pnymen!s rniide by you under th ontrn t or ~n le, 1111d .my 

nci;iotlnhle in~!rlliillliH o c utcd by ynu will be riiltli'iled wltl1ln t n (10) dnys fnllowin14 recclfll b !hc ell r of 

ynur cliriCiillilllon notlc , nnd nny ~eeurity l11t1Jrc t arl Ing out of th· trn n~111:tio11 will be c1111ci;hid, 

H ou cnnc I, ynu mu~t make 11vall11bl to th ~ell r 11 ! your,. sldenc(l, In ub tnntlnlly n, i;iootl enmli1io11 as 

when received, any ood, dcllv r d to yo11 nnder this contract o 111 , or 011 may ir you wish, 1:u111ply with 

the ins!rtrdlon of th II r r gn rdin~ the return lllpmcnt of th goods nt th · ~c llcr's ll:tpllnSil and risk, 

If you do mnke the aoods II allnblc to th seller nnd ilrn seller dulls not pl k them up wlthl!l 20 duy~ or th e 

dn!· • nf your notlcu of cnnc llatlon, you muy rlllilin or dlspo of th i:;ood without 1111y further uhlljlii!lon. tr 

you full lo make the good · uv11i l11l>lc 111 the seller, or If you gr ·tor turn the 1111 nds tu Ilic illlllr and foll to do 

,o, then you remain llnbl · for 11crfvrn11111cc or all obll ntlons und •r th eontrnct." 

To cancel thl trnnsnctir;m; mall ur dllll Ill' ll sign d !!m! d 1t1:d 1:opy of this ciinccllulion notice, or nny oh ·r 

wriih!li notice, or encl II tel gl'nm to AmeriTcch Financial , at 1101 Inv stmcnt Dlvd uitc 290 , El Dorado 

HIiis, A 9$76'.2 nut later tlrnn t n (!0) hu~lni:$; day~ l"rorn the abov <lat , 

I h r by cnnccl lhi transact on. 

( lient's sif11l:ltUr(l) 

(Prini Name) 

(Dote) 

AroeriToch innnciul 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 7 of 15 

FTC-BBB-000143

Stiner Attachment N - 6 
Complaint Policy 

Our e101tl m AmcriTei::h Financial is to provide cxc~ptional s01·vic0 to om· Client:$. While 1:v1:1•y uffol't I~ 

take,, Lo ·nsure wi:: Lreul ou r Clients in a. iair, courtoou~. and horn:i~t manner, sometime~ our Clit,il\t$ h::ivo 

s1,1;ieiul inquiries tlmt require orn· immediate attention. 

Web lieve Lhut our Clients have the right to raise a comp lo int, and th1;1 right to have theii· ~0mp.laln(s 

11dd1·essed immediately. We alRo bdi<wo that a Hucco5i~fl,II orge111ization nrn~t he willi1i1:1 io r:Vt Ive iii ,,1, 

effort to meet the noods of its Clients. Thll!refo1•e, we lrnve !;!Stoblls[l(;!(i o eo1t1phint proee:s~ lot' Client:s 1-vho 

11 re Lmsa:tisficd with the Rervice or truatmenr i.hey lwve ,·ecelved, 

How to Initiate ,, Couwloint 

In tlw Gvont you ar0 unsntl, ·net! with Ot1r Sr.? tVii;1;1, pleuse iniLiully cliri;;ct your comment or co111p li1 int 

directly to the amployfle (>r ie;1.11 1 1-vhlch is 1·1;1:spo11~ibl1; for _your dissatisfaction, If the individunl employee 

cannot rn~olve the mait1;11•, we will 'JliickV cngnge the relevunl Munuger or Director to resolve your 

matter, 

We o. lwnys ntti:111.pl to resolve your concerns 111 the first point of contact, Howcv1Jr, if you arc not satisfied 

with the re 0olu im1, /l'lll moy Lhen notify our Compliance Officer directly in writing at: 

i. Compliuncc@Amo1'1TccbFlnanclal.com 

2. 1-800-792-8621 Ex ten ion: 0 

3. AmerlTech Fli11rnci~I 

Attention: Compli11ncc Officer 

I 10 I Investment Blvd Suite 290 

El Dorado HIiis, CA 95762 

Pl,msy j9cl11dc j·hcfottmrlng In :,;011r written correRponclence 

I, A oleor dr;sr,1rip1ion of the complaint and any suggestion~ you may have that wou lo 1·esolve you,· 

grievance. 

'-· Dr:rnils of any relevant inJhnmttion relating to any contacts you may previ(iusly ha e had with 

AmcriTcch Financial on this sui;,J~ct 

J. Whether it i~ 1111 original comp laint, or a follow-up to a rnply you woro not ~ati$ficd with, 

4. Ypur com1,le e euntw;t informulion (including full postal address, telephone number. and email 

uddress) mid your date of bi11h (for vcri tication purposes). 

Wllnt to Expcci" 

We ~trlve to ,·es0lvi.: ull c()mpluinl inquiries as quickly and efficiently as poss ible. You can expllct to 

reculv~ o response from us within 2 business days after we receive you!' complaint. If you1· ca~c is 

p·1t'1li;tili.lrl,Y complr.:x und cunnot be resolved within 2 business days, wu will p1·ovido YL u with an 

scl~rnted limi; in which you should expect to receive such resolve. Thank You. 

AmcriTcch Financial 

Document Preparation and Service Agreement 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 8 of 15 

FTC-BBB-000144

Stiner Attachment N - 7 
This Serv ice Agrr:1:mi:nt Is enteriad into on the date shown b1:low betWeC:ln tlie AmoriToch Financial ("AF") and the lir.mt 

'hown below(" lient"), 

Al' provioes p1·occssing and support Sf;lrvii.i,:S to assi. t consumers who are applying for •r:clrwd tudi,:nt Lofin 

Consolidoti n el'Vices and/or oth r repayment plu11 pro 1t.ims ;woilable through the Department of Educiltion (;'D< •

11) , 

AP is 11 privntc 1:omp1111y, 1\Clt affiliated with any government us ncy t111d, ~ r ,1 fee, will ass ist in assembly and submission 

of s~11 101,t loan consolidation, und/or _ ther r'r;1paymont plan program documents, A , is not n lonch· or ,1 debt co!m)!idation 

comp,u,y. It does not promis to improve ;)'Ollr C:r!!!tllt scorei, 

Cl icnt r~t1uests A , to perfo1•m, in good foith, thr:: folk)wliis ser'Vlces, ("thi.; rvicu!i!"): (a) Review tho lient's currr:nL 

Federal Stud nt 0;111 dC:lbl situation, (b) Identity poton ·iul , lude11t I .. OM 0nsc)lldatlon, and/or other repayment plan 

options that may be nvnilnbl • to liel't from the DOE, (c) Discuss potential options with thr: Ii ,,t, onfl (d) Prepar and 

pr c1:ss, 11 tho licnt's behalf, a F d rul 'lw.! ti Loon onsolidation Application, und/or other r payn1r:11t plmi pr rurt) 

app licution with thi: D ~ aftor liont selects desired pli 11 , 

Now thercf-ore in con ·ldeti! lor1 ftho forego ing and cv ry tr::rm, r;ov rrnnt nnd Cl'ir'! Jllle,11 ht:11'eaf\ur ~at forth, AP and licnt 

do iiC:lreby undurstancl, covenunl und (1.groe io th~ following: 

1. Provide om1>leto and Truthful lnformutio11. Al• wil l provide liont with an overview sess ion limited to his/hr:r 

Fedcrnl Luden Lonn debts to assist the Client in lor.:uiin ~ e,p1I ,, that. may be aval lablu to liont. Client cxpr ss ly 

represents nnd wnrmn ~ hut hr:/sho/they wi ll st all times provide AF with inform 1Li 111 1ho i' r;O rl'lpllclte, accurate and true 

1, h1;1 best of their knowledge und beli • ', 

2. P£•rf11r!fiiH1Cc of · orvlco • Upon receipt of ull infon11atir;, n from II nt, AP shall promptly analyze licmt's ~cdernl 

Student Lonn t11:bt sllL111tion, roviow the informution provided by th, lii:nt, itnd cc 1ttpl1;1te th application fOl'ms required 

fol' tho DOE progrnm(s) thn t lrnvi, bi.;en seloctcd by the licnt, Upon completion of A I review c111tl clue:! di ll C:l11 ut:1, t\F 

·h,,11 prepare for fi ling with Client's lr:nder Utl (lppllca(lcm to initiate a F'cdc!'al Student Loan Consolidation, unc:1/or olhr:r 

repaym n pl.it) avai lable to Cliunt through the D Eon br:hulf of II nt. Wlrnre appropriat , AF wil l assist in applying for 

pro-consolidation forb 1runr,;e. app lyin for loan consolidations, submitting post-consolicltLtion dor;:um nts, i:1pplyi11s For 

ineo11il:l b,1sud rl'.lpaymcnt progrums and reopplyi11~ for incom0-basod repaymunt programs. 

3. F ·c · for S1:tvice~. Tho cost of the progrnm for ti, olicnt f;l!1ro ll l11 Is _ 400,00_ , and shall bo charged to the · licnt's 

chosen dedicated uCOOlrriL as sr~cifiad bolow a~er obtaining upprovul of '1 , •d rnl Stutl(;)111 Loa~ onsolidation, 01• 1111y 

e,ther Dcpa11111ent of Educntiun repo,yn,ent r Ian option on lient's behalf. Thereafter nnd us requr:slr;:d by ' lie11t, AF will 

rcm:h out (l[1 11 ually to a~sist borrower with uny udditio1,al student docum tit prcpf;l.ration needs at 11 cost ot' _ $100.00_ 

annually payable t1 th time servicos sra provided, 

4. Docum nts , rvi · gri:i:111 e1tt nnd Monthly ost Authorization. AF will 11 • t1 1hircl purl;)' pliy11,er1 t p,·ocess~w t~ 

dr=hit lii.;nt for fees/payments nnd lie11 i :,;h,d l pny nil pl' cessing fees associated with such, Client herby uuthorizes Al· 

decluot 11 11 pay,11 onts due pur this contrncl from the 111,111r,; i;;d lr1stlt1,tion list d In the accompa.nying rcdit Card/A H 

Authorization or suoh oth r financial institution that mtt;)' b~ used by ;-; ll •nt from tll'ne 1c, (!rne, Further, licnt authorizos 

ihelr financial institution to ur,:i;f;lpt Md to clrnrgc any debit entries initiated by Am riTeeh ' inunoiul to lio1n's 1 ¢00lrrli. 

Thi~ ··wthorlzation for automatic withdr 1wul or fo . ./payments is to remain in fu ll force and effect until AF hns rec ived 

written no 'ici,: ron, Ii nt of its termination in such tim und ~uch 111unner us lo ,1ffi rd AF n reasonable opportunity to act. 

A fou/payment (wh l'lier pukl by c;I bit or other means) that is not honored by liene' · finuni.iul ins i utic:ir1 -~ r o,1y rc,1sot1 

,nay be subject to a $20,00 servie • ~'C:l lr11p sed by Ar (u11 l1;:ss othurwisc limited or prohibitc.:d by :s ttite luw), the am lllit of 

which int)>' bl:! debited from Client's account, 

5. Pro "S~. nr.:G p;;1.porwork has been received, pr c :ssing wi ll bir 111 , AF will ;1 lways act promptly on Client's 

documunts and progrum. e advised that F'uc;loral tudent Loan onsolidations, nnd other rr:: p11ymr:11i plan eom1,Ioted l~y 

/\ rely on the relevant lender·· for 11r 111pt ,er-vice and AF cannot be held liable for delayed completion, Aver ge 

completion ol' a Fi.;dGral tudcnt Loan onsolidu,tion throu 'h ti i,: D • is ~,~u,1lly ninaty (90) days, but may take longer. 

AP so lely pt p11tes ,,nd provides documcnts/applicntions for ' lient':s t ·vir:w uncl uppr1w al before it submits $Ueh 

documents to the O , , Al' ~01:s IKil control tho D E application ruvicw process, 

6. Indcmnlfkation and Hold llurml<::s:s. lle,1 hcireby agr~i.;s to defend and hold harmless AF from and against uny 

claim~ ·"!rid llab llty of any nnture whatsoever uri ··ing 11t of , r I~ eonnectlon with liont's fai lure to timely pPovidc 

l'uqucstcd inform t iorl t AF, lle1it's lack of authority or nbi lit;)' to complete terms oflhis A ree111 e1H o.nd nil other til0,lmg 

orl!iing out of this Agre 111 e1H or reli.i In to lient 's loans and other financial obligations, This Agreement constitutes the 

•ntirr;: ,, r•i,:enumt b0twccn the pa1ties, AF nmk •s 110 wurnrn~y, e. pr·e~. or imp I led, 0$ to tha fitness of any recommendation 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 9 of 15 

FTC-BBB-000145

Stiner Attachment N - 8 
it may muke to Client arising out of this Agre 1·1Hmt. Excepi ftw cm,se, Cli!;l 11 t 1i!lCMdltle11 rnl ly wol es 1:rny l'i~l,r ~1fnctlon 

aga inst AF, its officers, directors, employees. lijC:nLs, brnkim, und ttssignccs, uc luw, c~1uity or uny oLher cuusC;? f 11cLion fo r 

any rr.:ason, dirC;?ctl,Y, indir ctly or proximately believed to arise out of this Agreement, fo r any damages of any na.turc 

~vhutsoeverthat Cl ient may incur by reason of Client followin · a1,:y 1·ecomme10Gtlo1, of AF OI' lient's laih11·e to l'ollow 

any rocomrn enclation or AF, whethe1• (lily sit,g;ulnr, concurrent or serii:s of recomme11dntions nre ucted upon or nol uctcd 

11po11 i!1 wh ,ik: or in purl by Client. This section shall su1·vivc any termination of this Agre0111cnl. 

7. J,pmort11nt L.l.m,ilntlgn nn Consumer Rhzht~ • Mandatoty Arhlll'atlon Ri!qull'emen1 - Pica. u road cal'Of'u lly: 11, the 

evcnl of any controversy, clolm 01' <liiipl1ie between the pnrti ··li ari 'ing out uf or n;luting tu this ilgrccmcnt c.li' the 

lweili.:h, tr;it1~1inmit11,, 1;1 nforce1111::nt, interpr~tation, consc ionability or validity thereof, including any determination of the 

~cope or app licability of this Hgreament to arbitl'ate, shnll be dete1•mlned by 111·biU·,1tlon In Sononrn County1 Cllllfotllili 

01· In lh1;1 t'!0!!!1ty hi Wh i,;:h th(l consumm· rnsidos, in accordance with the Laws of the State of California for 

ngrccmcni,s 1o be m11dc in and to be performed In California. The parties agrne tlrnt th0 arbitration Rhall b~ 

administered by the Amcricr.11 Al'bll1·lltlon A s olotlon ("AAA'') pl11'sur111t to its ni les rmd p1·ueer:h1rcs w,,1 ·11, ll•·bitruior ·hull 

bl:l ~01~ct~i;I by the AAA. Thi: m·bitrntor sha ll be ncuir£JI and independent and shall comply with the AAA code of ethics. 

The awnrd rendered by the arbitrator shall be -fina l and shall not be subject tc vacatl 11 or modlfi c1,1tio11 . .ludsment , n t'I, • 

award made by Urn arllitratDt may br: e11 Ll;.!1'1;1d Ii, uiy r,;o~trt huvlng jurisr.lir.iit)n ovr:1· th purLi s. lf el L11 e1· ,,mv foils Lo 

comply with the 11tbitrut~r's uwurd, th e injured ptuty mny petition the circuit court for enforcement. The parties :1gree 

that i!lthot· party mny bring clalm:-. ognlnst the ntlwr t11tly 111 hi~/hcr 01· its i11<1ivid11!il c1\1)1ieitt i1nd riot ii~ 1\ pli,ini;iff 

or cla s m mber In any pm·po1·ted clOS:!I 01· rcprc:scnt.utivc pruccc<ling. l•l~ rthr::r, the pllrl.ies agrer; tint ihr:: ·1rbitrntor ni tty 

110t c 11ts0lidnt1;? p1'oeeedings of more lhan one person's claims, and mny not otharwisu prusidc over any form or 

repres ntntive or class procucding. Tho parti0s Rhall shari:l the co~t (not attomey~• fl:i0s) of arbitration 0qually. In th1c1 0ve11t 

a pa11y fails to proct:ed with MbilraU011, ~1 11sl.lccessflil l,Y challe1,1.4es the nrbHmLor''i!! uw 1rd, or fuilti lo coirtply wit;h the 

arbiu·nto,•'~ aw111·cl. tlte other purty is entitled to costs of suit, including a reasonable attorney's fee for hav ing to compel 

orbilrutlon or defund or enforce the awa1•d. BlndlnJ.t Arbitr.ttlon mean11 Urnt both p~1rtic11 si;lvc up the rlu;ht to 11 t1 htl by 

a ,jury. It al~o moans th,,1t both pat'iles giv1;1 up the right u..1 upp ul from the nrbit.rulor s ruling uxcept for u nmrnw rnnge of 

issue that r;il n or muy be upptaled. It also means that discovery may be suvorc ly limited by the arbitrator. This section 

m1d lhe arbitration rcquircm0nt shall survive any r.orrnln(ltlon. OPT-OUT PROClC, S: Yo11 rnoy choi,. e 1'0 opt-out or this 

Arbitr.iti(111 Provi:,l()n bt1t only by fo llowing the process :set-forth be low. If you do not wish to be subject to this Arbitration 

l

1 rovi lM, then you must notify us in writing within thirty (30) calcnda1· days of tho date of this Asrccment at tha 

fo llowing address: AP, Attn : Cu. tom r Service, 11 0 I l1ive,irnent lvd • uit:e 290, -:1 D0rnd0 I !ill , /\ 95762. Your 

wri(t0n 1iotlce must l 111;I l•~le your n111m:, uddress, the dute of th is Agrccme1it, and El signed St11temcnt that you wish to opt 

out of the Arbitmtion Provision. If you choose to opt out, then your choice wi ll apply on ly to this Agrocmunt. 

8. Entire Ag1·oemont. By virtue of Client's slg11;1 tur0 below, Clie11i ,11.:1'11t11-vl l;.!rJ 'I;!~ thut he/~l, 1;1 Im~ rr:t<td. 1111rJ r:r:,;tumb unrJ 

agree~ () c;ivll1')1 term, i.:1Jvr:11u1lt nncl condition of this Agreement nnd that he/she haB received 11 true nnd eomp l0te copy 

hereol~ effective on the date below. This as;rccm0nt is the only agraGment bctwc n th partlo~ and there is no other 

collatera l agreement (oral or written) betwee1, the l)~rtles In i.\!ly ma1iM1' 1•e littl 11 g to the su~loo1 ,,rntte,· of this ug1'!:le,,;i:M. If 

:my j)(li"tlo11 of this r1grer:mr:nt is held to be invalid or unenforceable, the remaining provisions will remain in effect. The 

purties mutu1dly understand and agree that a fac!l irn ilc copy signature or an eli:lctmnic sig1u1t~11·0 011 thi~ a >1•eern ent sha ll be 

ducmcd an ori ginal for 11II hwf~dl_y e11f rceublr: p~1rp(1~ •s, 

9, Cunc ·llutiun Poli cy. Client may cuncol this contrnct nt any time prior to being approved for n Fcdcrnl Student Loan 

Consolidation, or any other D partment or .duciitl,111 1' 1;ny1,1~11t plu1, op~loti nc!ilr:vi:id 01, ll1;.1 1lt 1S hclrn lr, 

10, Li111itati11ns 011 Dnmi,gcs. Ar's liubi lity under this ugre1Jmc11t und/or reluting directly or indirectly to Client '~ 

purticipution in th e tudent Loan Consolidation Program, under any thco1·y of liability regarding any claim by the Cli ent is 

limited lo the amount offuc!l paid by !lent to AF. The Pa1·ties agt'iill=l to he i.011tractt11,1lly hound co such llmlunlm, on any 

damages, Md ,lgr¢e ,~ot to <lem tncl or utcenipt to recover uny nniount in xcess of such. This s ·ction shnll ~urvive 

Le r111i11u tk111 . 

11. Jnt'ormatlon Authorization: Cll(lnt lrnreby authori ze$ AF to vc.itify llcnt's r,ost &11cl 15 ,·ese11t om!;) kiymc,11, earnings 

record$ for income vor1fi c1.Hl01, p~11·poses 1,hm i.\re n' d d to pr01,JeSs Cli e1n's Federril Student Loun 011 :so lidntion, 1111 ,l/c)t 

tither repnyment plun program available to Client. The information AP obtains is only to be used in the processing of 

Client's app lication for a Fackiral Student Loan Consolld~tl01, or a1,y other l'ep.1yn,e1,t ,~ 1a1, pro. 1•a 11, thrnugh ll e DOE, and 

AP do~~ nN p1•c,w i(l!;l ,my rorm of cruclit r puir, er die score cnhunc ·mcnt, or debt r lief. 

12. L(lgul Authorization Form: This form wi ll serve to acknowludgc that Cliunt hus authorized AF to 11.c.t 011 Cli ent's 

buhalf to apply for cons\ lld1.1ti on ~1F ll ent's Fu(ler,d wdent L(iuns, nr1d/or dhl;l1' rep:1yn11,l 11 ~ 1,lan pro i'.trns iivn llable to 

""' li l;l1H, I lent h.is be1;11i advised chm if ilpproved for the 1:udcml Stud ent Laun onsolidu.tion, Hnd/or other rCp(Jyi,, 1H phrn 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 10 of 15 

FTC-BBB-000146

Stiner Attachment N - 9 
i:,rogram, Client will recoiv¢ 11 sl:iy (60) day furlough before payments will slurt. If liel'i t lrns a,,y q~l f;l. tions rogaPding 

lhl~ Fe<;h:il'a l Student Lonn onsoliclu~ion Pro Ml1, lient ~hou ld contact AmcriTcc:h Finnncitil ut 1-800-792-8621. 

1.3 , Important DI clo urcs about the m ·riT " Ii I iiH1,1clal et-vice . liont may choosv to complete his/her own 

consolidation clueuniencs ba~i:ld on tho npp li cabl fed rul stuclr:nt lonn pro rnrr1. :rnd Is not ,blig. tee! lo usv a third party 

resource such us AF or pu:y i:I Sf;l l'Vi1;e fee. Please note that AF does not expressly or inipliedly wnrr· nt,Y, repr'e$ent or 

Hllll1'1111 ila!O that it wi ll be able to reduce Ii nt's Mttl ~t 1cl ent loan d0bt or monthly payments. 

• Failure to mnl·e timr:ly poyme,,ts, or rion-paymcnl lo Client's creditors wi ll udversr:ly tffi:o( the eredlc 

standing, coll t;ction efforts, un j nrn,Y i11ellr more n es and intol'ost. 

, If lient utilizes a Dedicated Aocou1it to ·uvr: l'lrnds towards pro ram fe s, li cnt owns the fund s in the 

1\0 ou11t; liont may withd raw from Ar's sr:rvice uJ irny h11 e with 1.1! pe,,fl lty; ond if li enl withdraws 

from Al·'· ·ervi e ·, he 01· ~he wi ll giat all tho money in the account other limn le s nli1etl Ir c11111pli1111c1c1 

with the TSR, 

14. Dodicuted \ 1vings ACl.!01u1t: llent under tand thnt Client i · ·olcly in on rol of nil ~oviO~!S hnuls for the 

i,urpo!le of paying the lees du for the servi ces that AF is contracting to perform. lient will dc:signu.t un 11cc,iotrn !'or 

pr sr111rt S!i!Ving~ fund s and such dedicuted ucc.oun is ii,cl~p -t1 clirnt Ii· m AF. Ii nt ~ell.let~: 

•DI ln~tlred Bi111k lhru ,lobal Client Solutions, LL 

__ AnOl.her oc1;qu11t of Member's choosing 

Payment Jnformotlun Tutol Amount: 400.00 

BY Si ,NIN i B I W (ELECTRON! ALLY OR PIIY I A ), I H · B KNOWLEDGE THAT r HAVE 

l'IOT 8 EN ADVI ED BY MEltlTf II FIN JAL, ANY OF IT AGENT , AND/OR AFFILIATE TO 

FO.Rl!:GO J.\ STl)l)ENT LOAN PAYMENT IN E H _N TE FOil TllE OOD FAITH PAYMENT AND 

FEDERAL flJl) NT LOAN O OLIDATlON PRO RAM. DLIIUNG TlllS PRO . RS 'i I AM 

RE PONS.IBLE FOR MAKING MY PAVMENT , AND FAILURE TO DO SO OULD DI l.JA.LlF'Y ME{U " 

FROM OBTAINING THE ERV! ETH T W ll tD UPON. I NDER TAND THAT I AN APPLY ON 

MY OW O ON OLIDATE MY LOA " WI II Tlut l._ A E OF AMERITE H FINAN IAL. I 

FURTHER ACKNOWL ·DG THAT NO GUARANTE -s ON ERNIN.1 Tll ' •,s F ll AN 

"' NS LIDATION HAV E BE N Pit WI • M •/US BY AMERJTE H FINANCIAL, AND/ It ANY O ITS 

A ENTS, AND/OR AFFILIATES A'ND AP 'ITIY · U OM · l NOT GUARANTEED. I THE ONSUMER, 

I-IAVEBEENE PLAIN ED IIE PROGRAMINFULLAND"l' MY A 1 •A IN, 

A KNOWLEDGM I NT 

A~ indic.itecl by 111 y sl nature below, I acknowledge thut I lmv~ rc:ud, trnderSl<i lld 0110 a rell to the terms and cond itions of 

th Document PrepilmtiO!l i1!1cl S rvlco Agreom nl. 

llcnt Nnm •;--~---------,. · ·utcd 011 th•~ Out;.:: ________ _ 

II nt ionatur ·: ___________ Date of Birth:~-----------

Drl er Lie D8C Number: _______ _ octal ccurlty Number: _______ _ 

By: 13r~fr-tweTiti c: Administruti vc: R 11rese11tativC!I 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 11 of 15 

FTC-BBB-000147

Stiner Attachment N - 10 
GLOBAL 

CIIEmt SCJlutkms 

CEDIGATEC ACCOUNT AGREEMENT AND APPblCATION 

I, Thlll Cedlc tnd Account Agr am11nt and Application 

("Agrnomant") COlil~lnll lhei term~. condition~, end dl~clo~u.r ~ thot npply to 

your dndlcnt~i;f !'lQQounl ("Acoo~rit"), ey lgnln0 thla Aar&emet'lt or ua1r10 

your Aceount. yr.iu ar e tr, t this Ajjrcierr1ein1 ~hi:i ll ilpply, :ind you llgroi!i to 

tiblde by 1:11 1 or tne tiirrn~ !Ind conditions 1.eit forth hi!irlllli, IMludlng tha 

"ARBI RATION OP' DISPUTE!" provl!!lon In pt1r1:1groph XVIII on p.igo :z of 

11119 Agr ern@t, w1,1c11 roQYlro you 11:! llrollfi!Hil MY dl&l)Ul!!I Will'! Global, If 

yoli i'l vo ~ny ciuoetlon& tli t yi'.lu do not b!!llllvll ::irll oddrll~&eid In this 

Ali!rllaml!nt, you con end ahould 01:1 11 , 1:1moll, or wrlta ~lobal CII nt Soiutlonn, 

1.1.C ("Oiob!II") ilt tl1fi nurnl.Jor or ""r H&@ a110w11 at tl1e end 01 u11a 

A1iir0ome11t, Pleese review t1·,1e Mriiemeni earefully 11M ki!Ji!J~ ll wl!h your 

oth r lrnportmlit rileOrd$. In thl~ Agr11em1int, tho word&, "I", "mo", "mine", 

"my'', "you" " nd "your'' m11@n you find 0ny other party w110 yoli ut11orlze to 

usf:I your Mcount, 

ti, PurpoH, Natura and lJ o of th Aooount: Your Acnount In 1:1 

rJ dlcotnd iiccount t1111t you cnn v:.o 111 conn ctlon wttl1 t/1 fin 11c1 I orvlce 

prot,lrnm you have und rt k0n to 08!:l ll\l you wllh llio eomsolld lion or your 

fedorti l Blutlolil loan~. Global I~ nol II pBrty lo your nmmolal m11 rvlc11 progrrim 

1:1nd do m not portlclpDtll In th11 oonsolldntlon or your fmdorol sludeinl lo11na. 

In aonllr!II, you will be (i) 111nkln9 p rtoctt c d11poRIIR to your A~r.ormt rrom yo11r 

flrl11wy !lank acr.r,1,mt fld/or vi. d biller tlli e rd lr ~!i e11on , 1r pplle bl , 

Md (II) you WIii bop rlodlci!i ll)-' dl11bu1 Ing rund~ from your Account to pay ror 

lh11 ~ rvle!!s assoolat!!d with your flnonolgl ;arvlo11 program 11nd your 

Aocounl, nnc;t, if llPPilo blo, to p y llld nl lo n I nci r , Your Account I a 

Fodor I O i;ioell In ur nee Cor~oratlon ("FDIC") lnaur1:1d aub,uccount within 

e maalllr eu~lodlel uooount m1:1lntoln!!d 1.1t n bank d!!slgnated or m,lootl!d by 

~lobnl. AddltlonQlly, yo~ 111,Jll1or1;i: ~lob I to trnnQf r yoyr Account to 

notl1/jl \' ~OIC Ir, i,Jf Q In tllllliClf'! undor tl1C1 OXl!lllfl0 l m,s, Glol, I Wi ll f)rovld 

Wll ll !'I nolle lO you or sucl'\ chDnQ!I, Any 11uoh notloo, end any other written 

nollc11 lh11t I~ provided ror In th!~ Agr om nt, will b R nt to yo~ I ith r lh 

phy~lo11I 11ddroH you h v provld i;t In i110 ep~llc . lion rciortton or t11 I 

Agr-H manl 11~/(lr 111 Oi'11BII Mdr 8 you al blh,~ wllf) Gleoal. If ri IT\811 

addraas I Mt provld d to Globul, ell nolloo11 lhot ~ro provided for In this 

A1ir1111rr1 11nl will be !!nl lo you 1:11 tho phy1lo11I Dddr!!ms you h~ve provld!!d In 

tho DpplloDllon portion of thl9 Agr11em ~nt. Yoyr AQGOYl1t m y not b0 I.Jl0sl 

ror 11ny 11109111 r,i~ir~oeo , 

Ill, P!lneodo5 / Pa11Sword11: You wi ll bo provided wi th i:i four•dlglt 

pi;!~SQOdO (yo1,1r "~l;l~&OOdlil") tl11.1t wi ll n@ll l you to E!CCl)!3!3 your Aci:ou~l Vl8 

th~ t,;,1op11ono orid to Id nllfY YiflUl'llO!f w11ol'I cont erlNJ . eu 1omor sui,r.iori 

r1prH nt tlv , Yeu will !ao oo i,rovldBd w1111 an lnltl I lntilrne1 ~ &eword 

(your "I- tJl!WOrd") iii I wil l lifibltJ you to i!locis!l!i your Account vlt1 this 

lnternttt. You mi!iy oh11ng11 your !='111,mword ot ony time for c11curity purpoc n 

C111d you cro Clnoourcgnd to do so rro1¥1 tlrno to tlm , You r r ap0nallll for 

t11 ,; l)f0lt!CII011 Emci ueo Qf your F1 88COdtt 1!11id Piili~Word, Do r1ol dl8c;loli!! 

your P~1i11eod1:1 or Pl!l~~word to onyono who do!!a not hov11 your p!!rmlms lon 

to IIOOl!n! your AQOQ\Jn(. 

IV, Tilii~hon!e / hiclrohlC eomtn1mlc.11tlon : You Lilhorl:te Glob1:1I 

to ucollpt und act upon any Instruction r 011 1v d lrom yo1,1 or 1,1 thorlz d QY 

you und11r thl; Agr omont c011c F11lng your Acc:oYnt, w11 r• you h • ve 

communlc I d tl1 t 111 s1ruetlon or ttuthorl, rlon by lcil11phon11, fMei!lml l11, t1mull 

or olh!!I el!!etronlo ml!un~ ul!llng c tolmphon k ypr.id or computl!r. Us cl 

your 15c~mcodo, i!losmword or r.my oth r form ol ld1:mtlflo11 tlon dll~lliJn!ll d by 

yo1,1 In llny tr ni11ot1on eon tlt1,1t111 11d will ll ee pte'1 s your I etmnto 

&IOfi t!Jr , 8 tl1 l term 18 Ulf:lcl In ll'\e redf:lr I Eli!letronle SIQ!'i 1Ur08 In Globol 

nd Notion I Commorce Act lid Othcir ppllc blm I Wri, 

V. Authorizing 11nd lnlil ttnc, Tr n11 et1on11! In t111a Agrcii;inuint you 

L!thortz" cel'lol11 Jr ~s c:llon 111volvlna your Account, Unloe you dlroet 

01herwl~t1 In wrltll'lg, Global mliy Ilise ocl upon them!! lnmlructlons tho! you 

h11v conveyed to your SponQor, p d nn Q In th ppllo11 tlon portion ol t11b 

Agr omon\. nd e1.1 ch In truetlone m y IJ 11ct d on wlt11out rurt11 r 

Ctrnnrrm1llor1, Frorn llm11 lu ilrllll, yuu rnoy ch ngo thua1:1 lnatruellona 11d/ur 

!live Qlhllr lnr.truotlons by oonti;iotln'1 Globol'~ Oualomi,r Support. in any 

QVcint, :,.,01,1 m~:,t clway3 provli;Jg a ro1;111on blQ porloo 1;if t1n1 to act upon your 

lnstrucller1 a, All d poaite lo your Account will l}o ul11orlzed end lriltl t~d. aa 

1J~pllc~bl11, pur&uMr to your IMtM;tlolili, ilnd all dllibur ernt1nl~ from your 

Account wil l bl! liuthorlz!!d end lnltlctl!d purnucnt to your ln~truotlon end 

provld1:1d It oontolnm mufflolant fund~ to covi,I lh11 Bmoulil of if1m tllsbura11mant. 

i-iow v r, neither Giebel, nor ,my ~ervloei provld!!r lo Globlll llholl bn 

rG10pon@!bl- ror c1morn1ln!ng wl1t1n n pnym11nt Is ractumlly du , nor ~hllll th y 

llil rest')or1sllllii ror d&lerrnlnlnt:J w11eu1 r ii l}ily111enl la for (11, eorr et 011101.1m or othorwl~o proper, Globtll' M lci oblltJiiiilM In lf118 r&i.J rd Will b lo 8Xilcuti!I 

your pcymont ln~tructlcna In 1J comm rclnl ly ror.i~onnbl rn~nnllr r. noon m 

r.,r ellc I • nor rl!!ei!il~l er st1c11 lnt1tr11c11011t1 , ca1r1L1nl ~1,n11 1101 bA r110panai~I 

for lir1¥ I i t l:l y,'li nt f m, r:i ~£illy or oll1or el, rof:I I vleii l.l~lllnat you: er for 

cny 011,or odver~o aollon tckon by cny party, Glob I i ii II Mt bi!I II bie for 

11ny consoqu ncee or Q m11gos you mny clnlm r aultlng from Giobnl notlnf;I 

ofl vour 111atri.letl'111a, 

VI. F11a and Chargll111; f hfl ".:iCi-Jel:)ULe O F!i::E!S AND 

GHAR@E;S" ldonunos lM re 8 1:1 11(.! oh rs II you iir < cbllgQt d to p y GIQIJ!ll 

IM OOM!!cllon will1 ltil Agrl!ti'fl rlt i"lcl your Mecum: .fitl you or I lhi!i l 

th a f a nd ohcrg a m y b doduotod dlroctly lrorn your Aocounl. i h 

file pnd oh r~•~ In 111 "SCHi:DLJLi: OF" ~~i:5 ANO cHARGeS" 11r th 

0,11y ft a i oclat i;t wltl1 01ob I' eerv1 ee1 no y,;11,1r Aooo1,1nt, Tho Mont111y 

Soi'vloo eh!irgo for lho n111 t month In wf,lofi you! Aecounl hi ai11b lial111d wi ll 

not be prorot!!d nd will bo doomed ol!lrnod In full :i~ or lh11 dlly lhe Account 

Is 01t11bllgl1od, e.g., Ii your Acco!,lnt Im eslobll~hod 011 th 1 ! 111 dray of 1:1 111ontl1, 

lh Monthly Servle Gli lt:18 'for &L!Cl1 monli'l &ho ll lli! !I r~&(J 8 Of I~ t d y, 

Th!!rllllflllr, lhll Monthly S11rvlc;i!i eh1.1rgt1J WIii bl!J d1:1i11i1id O /Md Iii ru ll on lhtt 

first day er at1oh oml ndcr month during which your Aooounr r!!malns open. 

Orner reea will ~e d em d eern '1 t t11<i tlm of tt,o trans~c11011 or tho vont 

tht1t ulv111:1 rhiti 10 if1ii rliii, You 1:1~J)reaaly eknowledoe t11 t Global 111 ay 

lncrea~e tho IQ!!~ and oh1;1rge5 1:1s oolatad with your Account ct emy tlmll, 

and t11 t yo1J wll! b provlr.l~d wltl1 wrltt1;1 n riottco ijt lr,,1;1; t thirty (30) d.iy; ' prior 

10 11ue11 lnerouilo, Glotlel sfiall not be reai,o~slble for ny other fiiQS nci/oi 

ohorgoa thct you may Incur In oliriloclutlon will'\ your finoncl I ilarvice 

proartim, 

VII, Termln 110n of Agreemtni / Aoeount Ctot!.lft! You m y 

tllrmlnctl! thl11 Agroomont i!ind clo~o your Account 11 l uf1y lime by 8!!ndlnCJ u 

wrlttlln notlo!! to ~ iob11i

1

1 Cur.tom r Support. ho written notlo11 mu5t provide 

'Jlebgl with l11 lo!low!ng Inform lion; 

1. Your full nr.1m 11 lllnd currant oddro55; 

~. Your Account numbor; 

3, Tlio d11te or t11 1.1 reqy st: An(J 

~, Your r (lli st io clos your Accoun1, 

fl leili!'.11! provldei GlobBI with llufnCl!!nl tlrlil!J ro prOel!Jil8 tli reciu &I, 11'1 ddltlon, 

Globnl niny su~pond, crane I or tormlnata thlm Agroomonl and your Accoulil 

t ~ny tlm wlt11eut notlc ror lr1 etlvlty, or Ir YOlJr r1n1.1nnl111 A rvl~o program 

hllti beil!fl l!!Fmlr'!Clle,d or I M lon(J1:1r bt1lrl(l l'lif:lt1El~ fl, If Y'1Ur Aeeounl Is 

lmprop!!rly m11l 11taln d or uc d, or Ir you othorwl~c vlol:ilo any provlillori er 

ll1 I Agr rn 11t, Ir 11,111 Alilrli m nt la \ ·r1111 n11 t Q for 1my ri:io~on, or upon 

Aceou111 eloaurii, llll!l COlli!!Cl d b lane 111 YO~lf Acc:01.1111 WI ii be er '1110'1 to 

lh!! d!!blt/tr dll o~rd ~ocoul'll ullll:t d for d Jl08II~ !IM/or will bi!! &Mi io you 

by oh1 Qk, s d emsd pproprlct by Globnl, within II rcD11oncbla period or 

11111 11 , 

VIII. Monthly Statom nt11 ; You will rooelvo ¥our nri!it rMr'lllW 

st11t0m n\ by m II howlna you r Account i5otlvlty i5nd bcloncc by mllll. 

Tl1 f tilft r, n1onthty &t t n, nt, WIii b V II QIO 011ll no, nd n,3y bo 

ceo&aod u lnGJ your lo;ln lnrorrn lier'\ tiel fl ·werci, Sill.)l.!ld ye~ ,;Jostro to 

contlnu ri!lll!!lvlnt:J p per st tomOlit vlti tho Uiill d "tl Po l I "'erulc , 

plocco oonlpot GlobQl's Cuatoml!r l:iupporl and mckll c roquosl lo roceilve 

rt1nll0d ~rap r atnlnm nts. Yov mny ob\11ln b1;1 t11 11 00 1;1 111;1 lmnm1mtlon 

1r1rormmt1on by uet~c your F'A88<JOci!l !o RCQIIH your Account ovor th~ 

tllleiphone, by using yeur P &word 10 log 1~10 Globml'a wobetlo, or bye lllng 

~lobal'a Ouctomcr !lupport. You mgroo to review your mtol!!mttnt c~rofully 

nd to ropert ony orron oun, lmprop r or un11uthorlz d trcnc11ctlons 

promt:illy, 

IX. Non•lntcrl!11! Account: Your Account 111 ~ 11011,lntareat b!!1:1rlnr;1 

Account, 

P-'pwo 1 of 4 I 1111\IMII! 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 12 of 15 

FTC-BBB-000148

Stiner Attachment N - 11 
X. Un, uthorlzod Tmnem,tloti tid CiJ1t1,1m~r R 11ponslblllty: You 

~hould fll!l\/&r sh ro your Pp ;ooda or ~o~~wordM Wi th nyoM t1(J 110,11 d 

keep your Aeeow1t 1nrorn,11t1on (Ind pop r& In o mec;ure ph!it , Ir you ~ II• v ~omoone hail frl'iMf~rr~d or m y trn1101 r monny from 11our Account Wltliout 

yoyr p rml~~lon, c;onl~cl Glob -I'~ CuelorMr Su1~port Imm i;lli:;it ly. 

XI, FDIC IR, urnnco: iho fu nd~ In your Aeeour,l will ~• FDIC 1n0ur d 

up to c mi.lxln1um of $250,000,00, Th ln~ur d nmount m:iy lr,ereuse or 

d or c11a nd Im ~ub]tiel 10 llfi'lll 8111 0ng re; l by lh~ ~l:llO from time to tltiiti. 

X!I, !n~ompl t frnnm~otlom1; N-llh~F Glob I Mr llny rvli;: provld r 

to '3101:l I 11 II b II bl for flilng to oomplete c lrimirnetlon tlue to In ufncl nt 

rundc In your Account: or ii elrcumctoncoc be11ond th Ir control preve~l lh 

completion of the lrM8 ellon, !rieliJdll'lg, w111,out limit. lion, th oot8 or 

omls. lone al ony ACH, cticlek or other procoaaor, th N tlon11I Automated 

Cle rln9 Ho~o Allcoolotlon, the ada~l ~c;sorve Sy&t m, nny b,mk, or th 

dlr ell\iii or ny rri'lulntory authority. 

XIII, rror R 1rnlUIIOfl Procuaur 111 In thi:; event al potentlol errors or 

(liJ lion~ concQrning ~paolflo transaction lt1volVlll(l yoyr Account, you mu11t 

e II er wr!to Gllcb l;c OuGtom r Support no I l11r th n lxty (60) cJ ya nrt11r thGJ 

tr n etlon !n q~ 1111011 Flpp (lrR on your monthly at tt1rrl nt, Furth F111ere, t 

tho v11ry mll'illi'IUFri yoy rnYat provl(;I Globnl with th fcilcwlng lnrorrn -tlon: 

1. Your rull n m11 and Accoi.mi number: 

il, 'rh date and amount al the lr~na cilan: 

3, Tl1Ci typ al trcn~Dotlon end  da5orlptlon or lli au l:l ei d error 

(pl ii exi:,I In A~ clilnrly • poijlble why you bollovCJ lhor 

on rror or wl1Y you neocl dd!Llo~ ! 1ntom1ntlo11); t1 nd 

4. fh dollDr amount or thu JSU8peci•d rror, 

II tho l11 rorrr1 • tlo~ WM provld11d over the phone, you rru:iy be 11sk i:I nd 

required to provlo11 It aaaln 111 wrl\lng wllilln 1 _n ('I 0) b1,1 lness d1:1y5. l'.3 1obal 

wlll lniorm you or tho roeull~ of tfl11 Inv tie .tlOf! 1;1r !!1 ~Lisp ct d orror within 

l !'I (10) bUllinfiH dray~ l'lftcr you ~ubmll lh11 lrirOrli'\ llOM ~mi nny ljrror Will g 

promptly COFrftC:t d, Howovor, If C:l icbI roqulro~ mor!i tltii to l~v-i!ila lu tfl 

11 uspeoted error, It m y l k lll'l to n i;ldltlonai thirty {JD) d::iy8 lo complete 

!h lnvcGtlg::itlon. II GlobI dolt11'i'J'iln tf1at lhor I ni.i rror, you will be 

provlc! rJ with c wrlttDn exploril:itloli within llir11 (3) buslnose e!!y& or guch 

del11rmln tl€1n, emd you may r.k ror and rooolvo copleii of th& doeumonl 

uced In milklriQ ny ue!, ~• I rmln tlon, 

XIV- iJlsput1111: Vpu,uqdpWiirtd JFid PR!'.iiii Wot IJIQbQI ts not II pnrty 

tq Yoifc (lflonct9t HMlt.li.PCQPC,}Jl;jgf not lil,1rtlcmqtq {u V,O 

conrsolldqtlqfl Q1'.,,J@Ul,.th@CP( ~ d ___ 

(§gt ! ___ , i h/11 Agr m nt /11 

s11parat11 and lrrdupllrtd nt from ny contmctunt obl/gatlons you may 

hDvo wllh your .studont /01m / nd · f8 or your Spon or, n, (Jofln d /n tho 

.~plle tton portion of thll; Aar m rtt, Atcoriflfi(IIY, VQIJ horobv 

w;cHl/i\l 11G1wow1oc1ao thn,t q1gpn1 ggq; aer baro aaxJuVoi\liWi9£1f m 

~Mi:;;?$f!W~~i;t's:Zl!i,i1::U~mlnlfcjNf%tTut'WJu1~fil'i~%"i r9B.1114,tpnt vgy mqv ec roov not u0btu\fm (i'Qm your n11Etli;lpnt1911-1n Cl 

(/IIQ()C/ol , 9rvJca_pCS19,:pJ11, urthormoro, you h r 1W &><PrlilllY 

11okiil!JWI d(lii! ih _l 11y F pr s11nt11 t/o n, st11 tomont, or ob/lg t/M m d 

by your Si,ofiBOr or Ir, C{)llfl et1an wllh your flnnno/a/ 5 rv/o program 

doa!l not nd c · nnot bind Cii/iJ /jlJ /, Fin IIY, YOII rpr ~sly aaknowl11d11 

ti! I (illQb I shall not ba /lab/ for any ot/or,a I Ir 11 /Jy your Spansior In 

r;onnocl/011 with your r,nanc/ul 5orv/oo program, 

XV. Garnl hni ni Ar:know!oil · rn 111: In th ovent that a crcidltor of 

your rnov ~ to gcrnleh funds In your Account. yo11 )(pronty 

lif:KflQWI df} thrit Global w/1111n111wtirth (i/ m/Btlrrrm m'/ comply With 

ony writ II 11 (! by tho Court In aaaordanoo with th pp/le /JI aliit 

I w, tirth rrnor , you oxprH1fy poknowlodf1 that Global wl/1 not b 

rasponslbla for r:;h l/an11lnt1 err I lfi(I . ifOfQn11 to th g mlshmont on 

your bohalf. You ~pcolfk,cll)' agn!I t0 ln<l mnl!'y ~(J 110ld Globol h!ilrmlQH 

rrom ny 1011!!, llnblilty, obligation, dcm CJe, oo&l and Xf;lans result1n0 rrorn 

il er&dllor'a ~tt@mpt to gi,rnl . h cndlcr hold Glcb11I llablti ror ny Jul:l;mer11 

ag~lriil! you. 

Page 2 or

XVI, ov rnln; Ll.iw: Tl'lla Agrnnrminl QM I! b govornod by tho !owe 

Qf thi, 11101 whore you re~ide, i!Jx(; ~t tliut t1·10 ell lii'S flil or eletYtGQ 

govQrnlng 11rbllratlon prooodureill ~hull riOl i!ipply, If l'IY iJ!lrt er 1111 

Mr em nl la d cl!lr d void or un nloraccbl111, t uc.h provln!Ori(~) ~1; -11 b!i 

cl emod 8i!JVOF11d ffOfi'l 11'118 Aare m nt, ,me 111Q r m Ind r of thl~ Agrllemi,nl 

ch· 11 r nicln In full rorc.e nd -·rr ct, Tl1I At.Jr m nl m y 1;11; modlflnd to t111l 

Q)rt nt n o mm11ry to glvc ~uoh loro nd offBGl lO lliil 18n1 lnln; ~FO\il IOfi8, 

No di!!I y or rorge!)rnnco In lha 9[rlot obmcrvcnoo or p11tforn1 neo of f1Y 

pFOVl8liif1 or 1111 A(Jrnemgm, nor ony t llur to xorolmc a right or reni dy 

h11teulide1, elilill tiu Ci:iiiSlrLliid •. WAIi/er ol .• 1.Jch p rrorm na , right, or 

remedy, am the c.i!Jlle muy be, 

XVII. Ltmlt tl0n o1 Llablllty: Und r no olrc;um~laM · l h II Glo!:l • .l 

ov r b · II bl ror ny Jafi el I, In aid ntDI, oom;11qu ntlnl, ox mplory or 

punltl\i d 1'1'i ~o&, Mor110,n, und r no c1r0~m(!l\ nc n ~hall C:l lob i ov r be 

lloblo rorlhe c;oriduc.t OF tOl'\lr etU I O!:l!la Ll iill er third fl rty, lnoli.1dln9, b~I 

not limit d to, tho Sponsor, JH defln d hi th uppllciillO!i portion er lhls 

Agr om nt, 

XVIII, AR l'l'RA'l'ION OF D!Sf!UT - IMPORTANT NOTICE 

A C ING YOUR RIGH'l'S; lri tli - ev fit or iW eonlrovorsy !:lutw 11 il1 

p11rtl 1, Including, but not limited, to any ol Im, di i;ut , suit, dGli'\nM, er0a ela!rn, eourit rel Im, or tl11 rd pnr\y Qcmplalnt (whothmr i:.totutory, In tort, or 

oiheFWl8 ) ri !no out of or r I ting lo thl Agra m nt or ltu p12r1ormcnoo, 

bral'lch, tormln ilon, cnrore1:1me11t, lnterpr i lion or v lldlty, lnclucJlng th 

v lldlty, coope or opplloablllty of thl8 proVl&lon to rbltr l , &11 II !}v 

d~t rmln11d l;Jy binding arbitration. i hlo crbltrctlon provision Im gov11rned by 

lM Feeler I Ar!Jltr t!en AGt ("FA.A"), ~ u.e.c. § 1 I ~ q. nd not by any atcto 

ru l11 or st tutu gov rnlnc rbltr-t!on, ArbltratlcmLlnd r t~11s provision sh II b 

oonduc.ted In 11lthor tho county In which thi, COFIIIW'l'i r r, Id or l!1 eloe t 

mcitropolltcn county. TH PARi l S AGR i HAi ARBITRATION SHALL 

BE BEFORE A SINGLE ARi:IIT~ATOR ON AN INDIVIOUAb ASIS ANC 

NOT AS A CLASl;I OR MABB ACTION. FURT'HERMORE, THE PARf l S 

AGR 'l'HA'I' 'l'H ARBITRATOR MAY NOT CONSOLIDATE 

PROCEEDINGS O MOR 'l'l~AN ON P RSON'S C AIMS, Ti'Hi 

Arbltr1Jtlon Ah!)II b M mlnl;tor d by tho Judlcliil Arbllrllori Mcdlutlon 

S!!i'\ilei; 

 ("JAMS"), 1920 Main Str t, e~lt ~0[), Irvine, CA 928 14 lwww ! rwcdr com), tha Amarloon Arbllrllllon A8&ocl tlon ("AAA"), ~3S 

Mdl,on Avm. , ~leer 10, New York, NY 10017,41305 /wwytiQdt'iQCO), or 

noll"lor nt1tlo110. 11 y known con!lumnr rbltratlon ~!!rvlce on whloh tho plirtla~ 

l'I II 1a1ri!e, Arbltr tlon 811 II bi!t cJmlfll t r d 11ccord\ng to 111 _ rbltr _ tlon 

s11rvlci!i'~ fee &cliedul · nd th e~Nlee'e curre111 pflllC b! rYlr nd 

proc duro& Qraapt: 7) that thCJ prirt/11/!i l!lxproi!i&ly WDIVCi thii ilpp//c;iib/1/iy of 

11y FtJI gov rnlng QI ~- or mn1111 oat/on,: and 2) that tha partlai!i i,graa that 

ny sp c/f/c r/J/lr /fen proc11cu~ prov/dad ror llar11l11 111 hall ,;ipply to thtJ 

urbltrlltlorl protill!ldlrlfl. Th €1 £Jrbllrotl!lr s/1 II Ii noulr-BI 011 d Ind p1Jnt;J1:1nt //J/1d 

~hall aompiy with tha, &alactad f!rb/tl'()i/or1 s NIC8' cod (I f INtll, 

Addltlonoily, th" arbltraton.1hali bo puldod by llnd 11pply tile PfuJ · l'fi l Ru/ & of 

EMr! nc ,inr! "oov rnlng 11vl;):,l1Jnllv1;1" fc,w, Th mrbltrotor'm award ilholl be 

fln I nd blndlfi\ll on II ~ Fllea, Jlld~rn nl en ll1 rbllr!ltion !lW!iird m y b 

nt r d In any c.ourt having Jui'ledletlon 011 r th I) I'll , If . ~ Fly r II to 

comply with the orbltrctor'a award, tho other pcrly moy peilllciri court h v1 ,1a 

Jurisdiction to onforce thi, .iwcrd. hg pcrtl a chall bciar ih.elr own tlorne¥i ' 

f II Yf'li 9 l!~C:h f I nr ~pr H IY provld d for by oppilooblD I w. I! tho 

,oltr to dol&ffl'llflii 11 I r on bl • llorn YIJ ' I r to b w rt;I i;1 

und r ppllcatil ltiw, lne r;m11a ar e th l tf1 rbllr tor will 110 d t rrn l!1 

tho amount under the word for ottornoytl' f · cia, In lhe evenl ll J:l rly r 118 to 

pranl'I d with arbitration, 1111111 to comply with th arbltr tor'a award or 

u11 uee eflllly eh 11 -nsoe (11 nrbltmtor'A w rd, tha otl1 r p rty Is nllti11d 

to liny co . la nd Xj:) n& 8 l11Cllfl' a, lnel!Jt!lnti . re Qi'I §18 Allllm Y@' f 

for having to comp I orbltrctlon or dtirend or enrorea tli w rd, 

Elltl<llflg Al'bllr /IOI! mq nti (1) Ill t both p rt/ !II glva up th right to 

It/ I by Jud(] Of J11ry; (:l) Ul t bOifl fJ fi/Qfl glv IIIJ lho Fifi/II lo ppo I 

from th arbltratar'll rullna xc · pt ror fl II rrow r ll/il o·r i,p I bl 

luuos orpra511 /y prov(d d 

oy 

for In 9 U,S,C, § 16; nd (3) that di CoVO/Y 

111ny /J Rr;vor /y llmltod tha 1J rbltr11 tor, and should th arbitrator 

rJ i:lr!• to /low fl,J// d/-11oo vory, th . rbltrator may not oxa11od dlscovary 

llmWtli'Jflt, HM/I ~Y th F <I ro/ RIii or Clvll Prooo~uro. 

I aaknowlridf1 th::it I h11 v rC111d und !!flrau to 1Jblr:Jo by tlia I fma of 111 

nrl}ltratlon provl!llon nat forth 11bovo. 

SIGNATURE: 

4 l lnlilnl; 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 13 of 15 

FTC-BBB-000149

Stiner Attachment N - 12 
XIX, USA P11trlot Act Compll1no11: As r '11.!lrod by 111 USA F'airloi Aci, 

you 1:1uthorlze GIIQil(ll to lllko ro onslllB Bria prueilcol met1eiuroei to verify the 

.GclJr~cy or lM Inform tlo11 you have provided In tha cppllootlon portion gl 

Ihle AOr1111rn11nl, a~ well om to verily your Id ntlty by, lnclYd!ng n(,! wltl1out 

llmltotron, ~ticurlng or .ice e Ing YQlJr credit rer:iofi. ndlor obt lnlng n~ 

olhor Inform tlon • bolJt you In order to Hl~t In eomb.ltlriQ tl!lrrorl!lm and 

~rrM1mln~ Glob~l'e bys1em 11 nd the banking ~11~t(lm rrom I;! Inc usod tor 

money loundorln~ or othnr lmpormlsslblo, !Ilea I purposes, 

XX. PRIVACY POLICY: Glob I muy oolicot porconlll lnlormollon that 

you provide: (1) In th mppllonllon portion of !!11. Agr e111ent: (~) tn llflY 

upd.1ted lnform;itlon you mpy provli;t from tl1110 to time, Emel (3) ll8 p 1·t of 

tho tron,!lollon procci ocl t11roui)l1 your Aeeount, A do!Mptlon of the 

Prlv cy Polley 11~1:ille!iblii to your Account 111 provided below. If you hovlil 

tidcllilom.11 qu1!111tlone rogordlng thla Agreement's Prlvr:ioy Polloy, f.1 1011~ contact ~lobI'~ Cu9tomor eui:iport, 

fl, CoU-ellotl I U • of P11r•on I Inform.ill on; Collootlon of your 

peirrioncl lnformmtlon IG d ,~l~n11d to protect occoas to yo1.1r 

Acco~nl 1!11d to E\38!8( li1 l}rovl€Jlr1(J you WIiii (ho l5FOduOlii M d 

eEirvlce you 110v11 ri!Quiiet d, All ~ rilcril!il lnrormalion ocll cieted ilnd i.torad by C. lobal, or on Its bchclf, 111 L1c11d for 

11peiolnc bu9lneH purpo~eo: (1) IQ fll'(l\(lC\ !lM .dmlnl tor yoL,r 

Acco1int net lnlll Iii your lliMrl:z d Ir l'I MilMa: (2) le ll ~,~1 

In 111_8 dii li:in o,• lmprOv!!ment or prcduotm llnd llcrvlon~; (~) to 

Identify cddltlon111 product~ or A rvlcll oflor d ~y Gt lob .1 Eindlor 

Ile offll lnt d compnnloe 111 t 111 y m el your needa, and (4) lo 

eomply Wltl1 lBi lll llr'id ffldcrcl bt1nklng r gul&llonli. Only 

t!ipprovad -nd cuthcrlz11d p11rsonn11 1 will h; v11 lj\COQR& to 11uo1, 

Inform tlon. 'l'o furu,cr protoot your 1nrorrn11tten, udlllnti 

meoh,mlam , nr In plae!i io li'Jentlfy ,won who niey h&vii 

ee• iid M d Iii ny w y niOdlnlld your por11 011cl lnlorm tlon. 

b. M11lnt11nano11 of Aoour Iii tntormllon: Yo11 m y upd t 

your poreon I Inform• ilon onlir'l11, I n11y limo, by using ycur P sword to 100 into Globel'il wob11ltc or by oontootlng C.[oblll'~ 

Cu lOr'n!!r Support. To cn~ur~ thcl C.lobcl I• !Ible to prQ!QC\ 

your /\cccunt and vorlly yo11r inform lion, !I I In your boer 

lnt~r~,t, to m lnloin l'ieeur lo no curr Iii ny recorda 

eonc:11rnlnc your t50reion1.1l lnrorm1.1tlon. 

o. blmlt11d Aoo1111 to P r~an I lnform11ltoF1: Aecoes to your 

por11gni.1 l!'lfOfl'!'I lion la llfl'lltild lo only ihot1e por11on11ol with o 

OU8lil0 · reluion for :1ooa1111lng 5uoh lnforml,'ltlon. In addition, 

II p11r11 onneil arc tr11lneid 1m;I 1.!QUQP!Cli pl;lout !11 0 lrriport 11 c11 

ol oonfld~ntl llty llnd CUB.lomer prlv C'/, lncllvldUtJI LI 81 hilrM~ 

lilni'l paa~word~ etro used by tipproveid pllr~onnlli to cooo0c your 

peri!oniil lnforl'm1tlon, providing cudlt tr11II~ to furtl,or 0nl g1mrd _

thei prlv1.1cy of your p rpon _1 Information, 

Q, Tf1lrd-f! l'!y Cl Clo Ure Ralitrloilon, All third pDrtleis with a 

bullri118II neieid to oooss your pi;r;on I lnlorm"tlon r 

rec:iulrad to dl1 r t·o trlngont !}riv c:y pollcl118, Your ('!!1'801'\ I 

lntorni(ltlon 111 y !lo illPPII i:l to ti IMircl purly In ordor to proeoiis 

tr ·na elloh :,,ou liove i!i lJthorlzed or II lhei dlsolo~urei 15 11llowcid 

or ri!ictulreid by low, ei.g., lhei eixoh,;mgi, of lnfcrrncitlon wlih 

roputobh;i reporting 11gQncici~ In i spo11se to Ul:if.)OOfl , In 

ccnnocllcn wlt11 111 11 llw~titlc tlon ol rr udulent l'!etlvlty, etc;. 

!:I, Sli -ring of Information: You nut11orlzo Globol to ~h11 r 

cortcln lnform1.1llon wlt11 your 81)011sor, as diiflr1ed In tfHl 

Appl le tlon p0Ftlo11 ol tf\18 At;treieimont, lllid :my third porty to thei 

i!ixli!Ji'lt neieei~1mry to t'ldmlnlotcr your Account In ~ocordonc _ 

with your ln!ltr~ctlon; fil nd oy111or1z tlon, You )(I}~ ely 

IICkflQW/ (lg thtt ~lob I dot; not /ti(l{l'ltbln r11cotd111 of 11 ny 

dOCi.lfl'I lit or lnform11tlon aHool11tod with your flnanalal 

sorv/ca program. 

XXI, 11;1!11'1 L nau i,'ia eovorn1: TM terms or ll1ls AQreament and 

thr!J produoto ~nd oarvlceil we provldll 11re govern11d by thei l::ni;tll~h langucia , A~ o oour\einy, Olobnt has modQ 11,1~ Agr0amont i;ivallable In l11ngungg~ 0111 r 

tl10n t;ng111111, If thor~ 1 !,"lny dlfr;;renr.11 In m,n1nlne llt:1tw1111111M t;nclleh and 

non-EingllM1 Vr!Jr&lon of ll ny of our docum11n1 , lnt.ludlng this A11ro!!mont, th1:1 

8ngli11h version will nppl)' to your Aooounl end Is avoilcblei tc you upon 

mqwo~\. 

XXII, M11 rg r Cl ui:111, i hl11 AQrccrniinl oon1ailn11 tlil:! cumpiotr!J end r1n1 

undi:irnt,;indlng bct,woon tr,,;i par\lc;, Any prior oral •t~t~mi!)nlll; 

r r;ir , ntAtlt:)11@, Qr Agr emerita r iJP.llrSl'trJ;;fJ !}y 1t1ts Aer !lfMnt, 

XXIII, CLii!ltom1J1r Support lnform11tlon; 

Corr1111pond nc11 Addro 11: ,1soa .!:I . 1~!:11'' E, Avonu , Sulilll ·177 

Tul&i!i, OK 74134 

T11l11phon11: (BOO) 39B7191 

F'ux: (886) J!/$,S~:i!B 

W b1tto A~~roH: WVJW,fl lQMICIIQOlBQ!Ll\lOns,eom 

Em 11: eueromere11000rt@41101;is1c11entso1ut1one,eom 

Not ; O!ob!ll w111 i;irovi"o you wttt1 "! w !Gome ~nGk t wb@ (1YIJ~I 10 the ex c~tlen or 1111· At1reen,er,t tfmt wi ll cm1t In depealt IAetrucllon 15plle~blo 

to !lio!lii CLJ !lt01'Mril WliO ClioMl!J ro ~i!lnd Ir'\ di!li:io~it&, 

I ,,,,1,.,.

1 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 14 of 15 

FTC-BBB-000150

Stiner Attachment N - 13 
DEDICATED ACCOUNT AOFtEEMENT AND APPLICATION 

I hereby apply ror ond ~gr lo 11~1:11!1h n MQM-IMlorg•t ~~~rlrll'I ~-~1e11cd 10eount ('/\ooounl") to bl ndmlnlal r d I D b~nk .aioot1d by GIQb~I Qll; nl 'glutlgMI, c ("(illObi l") 1¢1' ill~ 

utlllH ilon In oonneollon with ~ nn~M~l; I n rv1¢, prlli!r•m ar 11,y awn el1ee1lng (my "Program") thal 11 mnnagad by lh org nliul!oM r11p0Mt l~i1 for mdmlMltarlnw tho Prll~rom (''8po11 1or"). 

I und rstand lhRI 01obol la not a party 19 rr,y P•¢~r,111 liAii deal nol portlelp ic In l110 m1nogemant or my Proarnm, 1.unra1r1tmn~ l~HI 1h11 l\gro.m~M\ lo , vb)qr;t 1¢ ouatarnar ldantl no tlun 

program, s r qulr d by lhe U3/\ F'~trloi Ai.I""~ ; thgr p,~lleti~lc IMwa: ERd oooordlngly, I l1eroby r pra1e nt that the lollowlng lnlorrT1mt!on 11 tr~; nn~ i;;rn~lot1 t¢ th f b!iiil ¢1 illy k~O\IJl~~ijO 

1nd baller. In ddltlon; I und r1t~no th t I mmy bo roqulrod iu pr1,vlda ft eepy er D drlv r'm ll1111 n11 nd/or 0111 r lnrorm~tlon from tlm to tlrnt l; r ~, In conna; tlon with tho vgrlnc:0 11¢11 ¢1 

my lddnllty nnd Iha odmlnlatratlon Gr lh A¢C'1~nt, ~rtharrnara, I uneal'tland illnt 1111 Aaoount 11 gov mod by th1 t1rm1 ol lhl1 Agr monl pn,;l lhP. I ! pm b9ur1d by oil al It 1011111 

1nd oondlllon1, lnoludlno th, binging rbl\rntlon provllo,, loe tall In porograpll XVIII on paoo a or thl1 Aor om onl, 

ACCOUNT OWNE;RSHllt CONTROL AND Y\!iE! I u11d1m 11d 1h11 the /\ooount. wh1n 11t~!;ill1h1~ In n.,~,~~nQ• wll~ thlt A~rt1m, nt, wlll llr, Iii~ iiulw and o~alualva propany: 1h01 only I (011ut11 orlzad oonloot, rr Bny) m y l l•thorl,, lr~n•nctlon• lrM,lvlr,~ my Aoeeum: 111d that only I moy withdraw rund1 rrom nd olo1u my AGoounl 01 provld1d (or In !ht A9rH m1nt, 

I horilby aulhorlz ( ) porlodlo dapoalta to 01 mndo lo rr,y l\;c;¢~nt ~ur•ue,u ta !11111 1ull1erlu llan provided below i nd (b) periodic dlsburaem1nta to b1 mnd from my /\o;ovnt, tn thlp •• nmd, I l1uruby autllorla p1ymont from my A;;gynt ; I l~q r,,, ""~ ; har;m• provided rar In 11111 Agr 1m1nl. Should I d 1lgn1lc n ut11orlzed oonloGt1 •~•" d 1!gnmllgn i llQWt 1; 1 

conn,mallaR or Account lnrorm lion nd ror r t.tlpt ol rn "'"i"* raij 1dlriQ nw Aeeou111 to illu de1lgno , 

PBBMISSIQN TQ-8HARE,DAIA1 I lllf&lly c1a111 pormlu lon ror lh bnk. Global nmi th ~pon,or to 1hnrg !nlarm@tl; n r wurdlng my A¢¢0Vi'II anii m~ Pracrmn 1/Jlth onu ,notlrar 

i nd with any othor party to th ~I Ml n,~ .. ,~.,, lo lmcllltutu th tr na elloR1 I 1ull1orlze on my /\ooount, ond aoknowlmdgm thnl 1h1rlng lnrorrn;t!on pmon; th ~m pnrtl•• Im oaaanllut ta 

tho 1dmlnl1lr1 tlon or my Aooou11t, I und r1l8nQ lh~I the Agr,,,,,, 111 ~rovldo1 addition I lnfom, lion rmlmllng to my privacy rlgl1ts, 

Abb I DS R Q!JIR U T E WI E N TED 

Appllcimt! iil ama Dot or Birth (mm/dd/yy) 

m am t;lP.\V or Cllr\h nir'n/ y~ 

Clly 

Moth r' Malden N11m1 ( or rutur1 ICl purpo111) 

AppllGnnl'I !llgn~lt•ro 

A drn 

Nam an appgara on oheci) 

St t1 :illp 9gg 

AriiOUnt ol Di blt and on or art r Iha aome d .y or ooh 

month lhora;rt r l'or on addltlonal 

monlh1, 

1 Raul/ii~ Numbif fl 1h11 Q,dfglt numb~r I PPH rlflfi/ In Illa /;Qt/Qm li lt 1;¢m~r QI your clroilk. ' Aeeou,,, Numbilr I& to Ill~ rlghl or tho Ro11tlna Numb1r ~nrl t;g /;it~ 11,9 ,;;lit¢k N1,,,1~;;,. 

I h roby outhorlz C:l lob I to lnltl ie di!l:)li F1lrli lo my ~lu;cklng eeount lcr D savings 11oaount) ot Iha 

fin 11 clo1 ln~tltutlcn named above (niY 'PrlFn1:1ry B nk AeCGLmt"), In lM .rnount(; ) 1mt;1 on or lililor th11 d(IIQ(~) sgt 

fort11 AbQvo, for the purpoo11 ol tran~I rrlng funds ro my Aecouni. I r1 pr s nt th;it my Prim ry B_ nk Account 

xu,: t1111t I own It; ond that I will m.ilntiiln ~urne1· m funds I~ Ii to F.i rrnli u, t;Jel;l!I; to 01i,11r on th epplloobl 

dQt ;. I undarctond thlit I mi:iy Incur c churi:i11 a si;t fOFl l'i In tl'i Sel1 ,;lyl Of F 3 nd Ch r90~ If 1my ttamptod 

~ebll I not Imm t;liatqly honored wh11n prt!lilillil -di nd th i 11'1 !1 nn ncl I lnat1t11tlon providing my Pr!m11ry !;IDnk 

Aeeount m£1y nl~o c9c11H o chorga 11 thl~ occurs, In 1:1 ddl1lon, I UndiJIBlM il1 t I rn y uti ilQU nlly d algnote 

nnoilw ~eo1,1nt tor thl~ purpo~ by conlocllng Glcbl'n Customer Sli i'i:IOr!; th, i I m y l~o ~11. n; t11 

eorre l}Of1tHng 11mount~ nd dates from tlma to tlm In thI m nner: f1d ih 1111 - ri:l[ll 1!!11t ilon I m t:lo beve 

bOYI my Prlm~ry BDnk Account wl li pply lo any otl, · r c~olJn! !h t I ill illli:111 1,,, 

TJ11 · Yil1or!z_ lion 3h 11 r m In In lull roroe and url ct until I give u wrllll/1!1 t• rmln llor, notlee to ~ l!il~ I ill t m:m;L 

It m , enable perlQd cl time to eel on It, Any ilUeli nolle!!I, ,r,(J ~)' i)ll1 1 WF!ttun notl~Q th _! I_ provlt;IQt;I for Ir, 

il11 Aar i'Jn1 nt, ~hell b cont lo C:llobol'i Custom r Support I tll& cidre , I i rof!l1 111 111 Agr- -m AL 

Appllonnt'a tiQ~~t~r• Anti,arl,lnij Gl iolllil 10 Dabll Appllooni'1 Prlmnry Bonk Aaoounl Cl lo 

SCHEDULE Oi= i=l:es ANO C:H AROE!S 

Al!aount Setup (on •tlm feel $0,00 

Monthly a rvla ch rga $8.0ci 

Option I s rvl c i 

ACH CltlllYr rn ni 

M nu I Crioel< Clst:i~F8i:,il'l~fli 

lliCOmln(l Wlrll Tr n r r 

OuraolFtli Wlr if•hefi!ir 

2nd E:toy E:talhler\i' 

Ov rnlOnt D llv ry• 

51.50 

$2,0D 

ill10,00 

$15,00 

:Ji10,00 

$20,00 

IJl!1horior11d/Riiturned !JopOiilt ltilm $0,00 

Step P ym11nl Order $1 7,50 

'3:00 prii C n1r·1 i lm · Cutol! 

CUSiOM R eUPf.'ORT 

Any QUl!!llle~• 01111QUlrlH l~IDIIAg lo yeu1 Aeeounl 

AhculiJ ba dlraolad io Globel'1 Cuatoma1 Support. 

Soc piiril~rliμh XXI II or thll Ag1;;1m1ant IOI Globnl'a eom;1~andunou Qddr~aa, Globol'1 W6balte ddrHI, nd lllii loll-lrl u numbijl to Globol'R 

Cuotonior BupporL Ploosa nuia thol Globol 11 not 

il, ny 10 your Progmm, und any quoatlons r,ilo11 11g 

10 ¥Our ~rillll~r1'1 , 11evld Dil addr1~11wd lo your 

Bpon~ol, li11d rlOI 10 Glob~!. 

~ B QFPICQ VSII ONLY 

eU8TOMeR'8 (ILOBAL ACCOUNT NUMBER 

Bl'ONSOR'S 01.0 A ACCOUNT NUMB R 

Case 4:18-cv-00806-SBA Document 70-14 Filed 03/05/18 Page 15 of 15 

FTC-BBB-000151

Stiner Attachment N - 14 
Case 4:18-cv-00806-SBA Document 70-15 Filed 03/05/18 Page 1 of 2 

Stiner Attachment O 
Br ndon Frere <braMon@ ... merltechflnencial. com> 

To: Daniel Stiner <dstincr@ ..,crnrnento.bbb.org> 

Cc: Jami Jonea <jjOMs@s .er mento.bbb.org> 

Hi Dahlol, 

Wed, Dec 16, 201 6 @I 6:20 FIM 

Our r fund pollcy le est at 30 dayi; on pap r (whlcl1 Is 2? days longer than rasp ctlv ly r qulr d). However, due 

to our tot I commitment to our oil nl.:. 100% tlsfsctlon - a full refund is v IIQl}I t nytlme during the 

proo ;;- ond even afterwards if th y r not totally, and utterly satisfied with our rvlc , W really take the 

ell nt " tlsfectlon thing vary :.orious nd It IF;! our #1 priority. 

A a business, we can't print that w will give peoples monoy bi.iok o't onytlm because we would be doing ton 

of work just to have p!:lopl v ry - slly site that lnforrnation and y th y want their money back (as I am sure 

you c~m understeM), 

So Just to Kind-of sum It up Oust like what Is in my si9nature), our promise to our clients Is: 100% Cit nt 

Satl faction - 100% of The Time 

And r ally that Is it, whether it means providing refund or not. Hops that wasn't to long or nn explenetion, but it 

encompas" s our philosophy rcgardln your gu stlon. 

On Wod, Dec 16, 201 5 at 3:38 PM, Daniel Stiner <dstiner@Mcram nto.bbb.org> wrote: 

Brandon, 

I very much i;!pprecii!lte your t na c:: lty. So fi;lr It looks to mi:: like everything Is OK. Our 

appll i:;itiOn prot:ei>sor wlll go over th d t~ lls First thing tomorrow morning ~na I t you know if 

ther~ are ddltlonal i:oncerns. 

I do h;ive one! further request, i;;i n you pl flSC send me ill copy of your refund poli i:y? 

Th nk you, 

Dani I Stiner, Director of Tr. tiGJ Practices 

Better Business Bur@a u serving Northeaist California 

:3 075 Beac:on Blvd 

West Sac:1"amento, CA ~5691 

p: 916-231-8912 

clstlner@secr .m nto.bbb.org 

bbb,org Start With n-ust® 

On Wed, D c 18, 201 at 2:20 PM , Brandon Fr re <brandon@amerltechflnsncial.com> wrot : 

Hoy O nl I, 

Th nk you for the email and communlc tlon. 

Case 4:18-cv-00806-SBA Document 70-15 Filed 03/05/18 Page 2 of 2 

FTC-BBB-000135

Stiner Attachment O 
Case 4:18-cv-00806-SBA Document 70-16 Filed 03/05/18 Page 1 of 3 

Stiner Attachment P 
5/13/2016 BBB of Northeast California Mail - N = BBB Com plaint ID# -

~ Better .1. Business 

BBB Bureau 

Andrella Jones-Thomas <ajones-thomas@necal.bbb.org> 

New BBB Complaint ID# -

AmeriTech Support <support@ameritechfinancial.com> Fri, May 13, 2016 at 3:17 PM 

To: Andrella Jones-Thomas <ajones-thomas@sacramento.bbb.org>, Brandon Frere 

<brandon@ameritechfinancial.com>, Tom Knickerbocker <tom. knickerbocker@ameritechfinancial.com> 

Hi Andrella, 

Thank you for bringing this to our attention. My team is working on resolving this complaint immediately and it's 

resolution is our highest priority. I will keep you updated with the latest information throughout the process. 

Please feel free to contact me directly at any time regarding this complaint. Thanks again, 

Tom Knickerbocker 

Executive Vice President 

AmeriTech Financial p:-

(Quoted text hidden) 

Referral Program: refer.ameritechfinancial.com 

Customer Service: customer. service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

Web: www.ameritechfinancial.com 

Our Client Promise: 100% Client Satisfaction -100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for 

the personal and confidential use of the designated recipient(s) named above. If the 

reader of this message is not the intended recipient, you are hereby notified that you 

have received this document in error and that any review, dissemination, distribution or 

copying of this message is strictly prohibited. If you received this communication in 

error, please notify us immediately by reply e-mail, and delete the original message 

(including attachments). All participants in Ameritech Financial's referral program must 

agree to the Terms & Conditions of the program, reviewable at 

refer. ameritechfinancial .com. 

1/1 

FTC-BBB-000552 

Stiner Attachment P - 1 

Case 4:18-cv-00806-SBA Document 70-16 Filed 03/05/18 Page 2 of 3 
 

 

 

 

 

~ Better --- Business 

B!.B Bureau 

-

-

Case 4:18-cv-00806-SBA Document 70-16 Filed 03/05/18 Page 3 of 3 

5/13/2016 BBB of Nor heast California Mail - New BBB Complaint ID#

Andrella Jones-Thomas <ajones-thomas@necal.bbb.org>

New BBB Complaint ID# 

AmeriTech Support <support@ameritechfinancial.com> Fri, May 13, 2016 at 4:37 PM

To: Andrella Jones-Thomas <ajones-thomas@sacramento.bbb.org>

Cc: Brandon Frere <brandon@ameritechfinancial.com>, Tom Knickerbocker

<tom.knickerbocker@ameritechfinancial.com>

Andrella,

After researching this issue, it's been found that our Customer Service department resolved this complaint with

Melissa Jimenez on 4/22/2016 to her satisfaction. Please let me know what steps should be taken next, as the

website isn't allowing me to respond to the BBB case related to this complaint. Thank you!

[Quoted text hidden]

1/1

FTC-BBB-000551

Stiner Attachment P - 2 
Case 4:18-cv-00806-SBA Document 70-17 Filed 03/05/18 Page 1 of 4 

Stiner Attachment Q 
._ Better 

" Business 

B~B --- Bureau 

-

-

Case 4:18-cv-00806-SBA Document 70-17 Filed 03/05/18 Page 2 of 4 

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7KDQN \RX DJDLQ IRU \RXU WLPH DQG KDYH D ZRQGHUIXO HYHQLQJ



FTC-BBB-000553

Stiner Attachment Q - 1 
	

Case 4:18-cv-00806-SBA Document 70-17 Filed 03/05/18 Page 3 of 4 

 %%% RI 1RUWKHDVW &DOLIRUQLD 0DLO  )ZG 7LPR K\ -RQHV  %%% 5HVROYH (PDLO



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FTC-BBB-000554

Stiner Attachment Q - 2 
5/17/2016 BBB of Northeast California Mail - Fwd: Timothj Jones - BBB Resolve Email 

~ 1,efer.amer,te~~j;c;~~/ 

AMERITECH ro r m - FI NA NC.ALReferral Program: refer.ameritechfinancial.com 

Customer Service: customer. service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

Web: www.ameritechfinancial.com 

Our Client Promise: 100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for 

the personal and confidential use of the designated recipient(s) named above. If the 

reader of this message is not the intended recipient, you are hereby notified that you 

have received this document in error and that any review, dissemination, distribution or 

copying of this message is strictly prohibited. If you received this communication in 

error, please notify us immediately by reply e-mail, and delete the original message 

(including attachments). All participants in Ameritech Financial's referral program must 

agree to the Terms & Conditions of the program, reviewable at 

refer.ameritechfinancial .com . 

Tom Knickerbocker 

Executive Vice P1·esident 

AmeriTecb Financial 

Referral Program: refer.ameritechfinancial.com 

314 

FTC-BBB-000555 

Stiner Attachment Q - 3 

Case 4:18-cv-00806-SBA Document 70-17 Filed 03/05/18 Page 4 of 4 
Case 4:18-cv-00806-SBA Document 70-18 Filed 03/05/18 Page 1 of 7 

Stiner Attachment R 
6/1/2016 BBB of Northeast California Mail • Re: U pda!e on page. 

Better 

Business 

Bureau 

Elizabeth Nichols <enichols@necai.bbb.org> 

Re: Update on page. 

1 message 

Brandon Frere <brandon@ameritechfinancial.com> 

To: Alma Galvan <agalvan@sacramento.bbb.org> 

Tue, May 31, 2016 at 12:01 PM 

Cc: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Hello Ms. Nichols, 

Hope you are doing well and had a great tv1emorial Day weekend. 

I would have emailed you sooner, but I got married this weekend and as you can imagine, was pretty tied up 

(mostly just nerves). However, I am back now for today then going on my honeymoon leaving tonight. Pretty 

excited about that and really happy. 

I just wanted to follow-up with you regarding the status of the site. If you could call me today, that would get 

great since I will be out for awhile with no cell phone service. 

We very much value our relationship with the BBB, and as Alma will tell you, we are trying to quickly figure out 

what we can do to make your lives easier from a processing perspective. We know that you have strict policy's 

and procedures and we want to make sure we are following them to the 'T' so that we are using your platform for 

what it was intended for to make sure our accreditation is always in the best standing. 

Our relationship with the BBB is our top priority, because our customers are our top priority. We have an internal 

and external 100% Client Satisfaction bar that is set SUPER high. Our customers happiness is all that matters. 

Thank you, and I will look forward to hearing from you. My direct number is: 707-758-0662 

Warm Regards, 

AMERITECH 

-FI N AN CI Al- · 

Brandon Frere 

President & CEO 

Ameritech Financial 

l IO 1 Investment Blvd. Suite 200 

El Dorado Hills, CA 95762 

Phone: 800-792-8621 ext. 101 

Cell: 707-758-0662 

Fax: 800-878-1182 

Email: brandon@ameritechfinancial.com 

Website: 1,v1,vw.ameritechfinancial.com 

Our Client Promise: 

1/4 

FTC-BBB-000184 

Stiner Attachment R - 1 

Case 4:18-cv-00806-SBA Document 70-18 Filed 03/05/18 Page 2 of 7 
16 BBB of Northeast California Mail - Re: Update on page. 

100% Client Satisfaction - 100°/4 of The Time 

NOTICE: The infonnation contained in (and attached to) this e-mail is intended only for the personal and 

confidential use of the designated recipient(s) named above. If the reader of this message is not the intended 

recipient, you are hereby notified that you have received this document in error and that any review, 

dissemination, distribution or copying of this message is strictly prohibited. If you received this communication 

in error, please notify us immediately by reply e-mail, and delete the original message (including attachments). 

On Thu, May 26, 2016 at 8:44 AM, Alma Galvan <agalvan@sacramento.bbb.org> wrote: 

, Good Morning Mr. Frere, 

, Thanks for writing. My department handles the complaint process, as far as your report being on update that 

, would be Trade Practices . I included Elizabeth Nicholas in our email, she is currently updating the company 

report (which we do a couple times a year), to make sure all information about the business is current, and 

BBB standards are being met. 

· Thank you! 

Alma Galvan, Customer Service Supervisor 

: Better Business Bureau serving Northeast California 

· 3075 Beacon Blvd 1 West Sacramento, CA 95691 

p: 916-231-8934 

; agalvan@sacramento.bbb.org 

: bbb.org Start With Trust® 

~ 

BBB. 

: On Wed, May 25, 2016 at 4:44 PM, Brandon Frere <brandon@ameritechfinancial.com> wrote: 

Hi Alma, 

• Hope you are doing well and it was nice speaking with you the other day .. 

We noticed that for some reason our BBB page is being updated.? Just wanted to see what was going on. 

http://www.bbb.org/sacramento/business-reviews/financial-seNices/ameritech-financial-in-el-dorado-hls-ca­

'. 90022636/ 

. Please call me direct (707-758-0662) if there is something I can help with. Thank you so much. 

• Warm Regards, 

2/4 

FTC-BBB-000185 

Stiner Attachment R - 2 

6/1/20 

Case 4:18-cv-00806-SBA Document 70-18 Filed 03/05/18 Page 3 of 7 
6/1/2016 

Alv1ERITECH 

- F ! NAN Cf AL-

· Brandon Frere · President & CEO 

· Ame1iTech Financial 

• 1101 Investment Blvd. Su ite 200 

. El Dorado Hills, CA 95762 

t Phone: 800-792-8621 ext. 101 

'. Cell: 707-758-0662 

Fax: 800--878-1182 

BBB oiNortheasi California Mail - Re: Update en page. 

, Email: brandon@ameritechfinancial.com 

Website: W\tWJ.ameritechfinancial.com 

· Our C1ient Promise: 

, 100°/4 Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the personal and 

confidential use of the designated recipient(s) named above. If the reader of this message is not the 

• intended recipient, you are hereby notified that you have received this document in error and that any 

· review, dissemination, distribution or copying of this message is strictly prohibited. If you received this 

• communication in error, please notify us immediately by reply e-mail, and delete the original message 

; (including attachments). 

refer.ameraechfinanciaf.com 

referral 

AMERITECH roaram = FH1A~<;IA\.-

. 1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameritechfinancia!.com 

• Customer Service: customer.service@ameritechfinancial.com 

: Submit Documents: income.dcc@ameritechfinancial.com 

Web: www.ameritechfinancial.com 

· Our Client Promise: 100% Client Satisfaction - 100% of The Time 

• NOTICE: The information contained in (and attached to) this e-mail is intended only 

• for the personal and confidential use of the designated recipient(s) named above. If 

, the reader of this message is not the intended recipient, you are hereby notified that 

3/4 

FTC-BBB-000186 

Stiner Attachment R - 3 

Case 4:18-cv-00806-SBA Document 70-18 Filed 03/05/18 Page 4 of 7 
6/1/2016 BBB of Northeast California Mail • Re: U pda!e on page. 

Better 

Business 

Bureau 

Elizabeth Nichols <enichols@necai.bbb.org> 

Re: Update on page. 

1 message 

Brandon Frere <brandon@ameritechfinancial.com> 

To: Alma Galvan <agalvan@sacramento.bbb.org> 

Tue, May 31, 2016 at 12:01 PM 

Cc: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Hello Ms. Nichols, 

Hope you are doing well and had a great tv1emorial Day weekend. 

I would have emailed you sooner, but I got married this weekend and as you can imagine, was pretty tied up 

(mostly just nerves). However, I am back now for today then going on my honeymoon leaving tonight. Pretty 

excited about that and really happy. 

I just wanted to follow-up with you regarding the status of the site. If you could call me today, that would get 

great since I will be out for awhile with no cell phone service. 

We very much value our relationship with the BBB, and as Alma will tell you, we are trying to quickly figure out 

what we can do to make your lives easier from a processing perspective. We know that you have strict policy's 

and procedures and we want to make sure we are following them to the 'T' so that we are using your platform for 

what it was intended for to make sure our accreditation is always in the best standing. 

Our relationship with the BBB is our top priority, because our customers are our top priority. We have an internal 

and external 100% Client Satisfaction bar that is set SUPER high. Our customers happiness is all that matters. 

Thank you, and I will look forward to hearing from you. My direct number is:~ 

Warm Regards, 

AMERITECH 

-FI N AN CI Al- · 

Brandon Frere 

President & CEO 

Ameritech Financial 

l IO 1 Investment Blvd. Suite 200 

El Dorado Hills, CA 95762 

Phone: 800-792-8621 ext. 101 

Cell: 707-758-0662 

Fax: 800-878-1182 

Email: brandon@ameritechfinancial.com 

Website: 1,v1,vw.ameritechfinancial.com 

Our Client Promise: 

1/4 

FTC-BBB-000184 

Stiner Attachment R - 1 

Case 4:18-cv-00806-SBA Document 70-18 Filed 03/05/18 Page 5 of 7 
16 BBB of Northeast California Mail - Re: Update on page. 

100% Client Satisfaction - 100°/4 of The Time 

NOTICE: The infonnation contained in (and attached to) this e-mail is intended only for the personal and 

confidential use of the designated recipient(s) named above. If the reader of this message is not the intended 

recipient, you are hereby notified that you have received this document in error and that any review, 

dissemination, distribution or copying of this message is strictly prohibited. If you received this communication 

in error, please notify us immediately by reply e-mail, and delete the original message (including attachments). 

On Thu, May 26, 2016 at 8:44 AM, Alma Galvan <agalvan@sacramento.bbb.org> wrote: 

, Good Morning Mr. Frere, 

, Thanks for writing. My department handles the complaint process, as far as your report being on update that 

, would be Trade Practices . I included Elizabeth Nicholas in our email, she is currently updating the company 

report (which we do a couple times a year), to make sure all information about the business is current, and 

BBB standards are being met. 

· Thank you! 

Alma Galvan, Customer Service Supervisor 

: Better Business Bureau serving Northeast California 

· 3075 Beacon Blvd 1 West Sacramento, CA 95691 

p: 916-231-8934 

; agalvan@sacramento.bbb.org 

: bbb.org Start With Trust® 

~ 

BBB. 

: On Wed, May 25, 2016 at 4:44 PM, Brandon Frere <brandon@ameritechfinancial.com> wrote: 

Hi Alma, 

• Hope you are doing well and it was nice speaking with you the other day .. 

We noticed that for some reason our BBB page is being updated.? Just wanted to see what was going on. 

http://www.bbb.org/sacramento/business-reviews/financial-seNices/ameritech-financial-in-el-dorado-hls-ca­

'. 90022636/ 

. Please call me direct (707-758-0662) if there is something I can help with. Thank you so much. 

• Warm Regards, 

2/4 

FTC-BBB-000185 

Stiner Attachment R - 2 

6/1/20 

Case 4:18-cv-00806-SBA Document 70-18 Filed 03/05/18 Page 6 of 7 
6/1/2016 

Alv1ERITECH 

- F ! NAN Cf AL-

· Brandon Frere · President & CEO 

· Ame1iTech Financial 

• 1101 Investment Blvd. Su ite 200 

. El Dorado Hills, CA 95762 

t Phone: 800-792-8621 ext. 101 

'. Cell: 707-758-0662 

Fax: 800--878-1182 

BBB oiNortheasi California Mail - Re: Update en page. 

, Email: brandon@ameritechfinancial.com 

Website: W\tWJ.ameritechfinancial.com 

· Our C1ient Promise: 

, 100°/4 Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the personal and 

confidential use of the designated recipient(s) named above. If the reader of this message is not the 

• intended recipient, you are hereby notified that you have received this document in error and that any 

· review, dissemination, distribution or copying of this message is strictly prohibited. If you received this 

• communication in error, please notify us immediately by reply e-mail, and delete the original message 

; (including attachments). 

refer.ameraechfinanciaf.com 

referral 

AMERITECH roaram = FH1A~<;IA\.-

. 1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameritechfinancia!.com 

• Customer Service: customer.service@ameritechfinancial.com 

: Submit Documents: income.dcc@ameritechfinancial.com 

Web: www.ameritechfinancial.com 

· Our Client Promise: 100% Client Satisfaction - 100% of The Time 

• NOTICE: The information contained in (and attached to) this e-mail is intended only 

• for the personal and confidential use of the designated recipient(s) named above. If 

, the reader of this message is not the intended recipient, you are hereby notified that 

3/4 

FTC-BBB-000186 

Stiner Attachment R - 3 

Case 4:18-cv-00806-SBA Document 70-18 Filed 03/05/18 Page 7 of 7 
Case 4:18-cv-00806-SBA Document 70-19 Filed 03/05/18 Page 1 of 2 

Stiner Attachment S 
"" Better ~ Business 

e~B 

g Bureau 

Update on our BBB page 

1 message 

Tom Knickerbocker <tom.knlckerbocker@ameritec11flnancla1.com> 

To: onlchols@sooramonto,bbb.org, egalvan@sacramento.bbb.org 

Deer Ms. Nichol$, 

Elltabeth Nichols cenlehols@neel!l .bbb.org> 

Thμ, Jun 2. 2016 111 10:33 AM 

Hops your week le going well! My name l!l Tom Knlckcrbockor, I'm tho Vloo President of AmorlTooh Flnanclel, 

I'm reachlni out today to check on the status of our BBB Pl'l90, M 01.1r l'{lting Ms yet to be re~tored. If tht;re':; Mythlng I 

can do to help you with t11Is process, please don't I,esltete to contact m1:1 directly. 

As B111ndon mt1y have mentioned, 100% Client Satisfaction Is our #1 goal al AmerIrecI1 Flnanclal, and as such, \NO t1old 

tM BBB In tM highest rcgord as It provides a window Into our reletlonahlp with our thousands of happy cllants, 

Please teal free to contact ml:l dlroc:tly Mytlmo .itThonl<s for your timo, anci have a fantastic week and 

weekend! 

We love our 8891 

Tom I(nickc1·bockct 

Executive Vice President 

A meriTech Financial 

l IO I Investment Blvd 

El Dorado I 1ill1:1, CA 95762 

Etnuil: loin.knickcrbocker@amcritechtinancial.com 

Website: www.amerltechfinancial.com 

AMERITECH ~ •FINANCIAL.· 

1101 Investment Blvd. Suite 290 

El Corado HIiis, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameriteehrinnnoinl,com 

Customer SeNioe: CllStomer.scrvicGi@ameritechflnanclal.com 

Submit Document!J; lncoma,doc@ameritechfinanclal.com 

Web: www,0moritcchfinanclal.com 

Ou!' Client Promise: I 00°/c, Client Satl~factlon • 100% of The Time 

NOTICE: The Information contained in (and attached to) this e-mail is intended only for the 

personal and confidential use of the designated recipient(s) narned above. If the reader of 

this message is not the intended recipient, you are hereby notified that you have received this 

document in error and that any review, dissemination, distribution or copying of this message 

FTC-BBB-000190 

Stiner Attachment S 

Case 4:18-cv-00806-SBA Document 70-19 Filed 03/05/18 Page 2 of 2 
Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 1 of 46 

Stiner Attachment T 
June 7, 2016 

Mr. Brandon Frere 

AmeriTech Financial 

311 Professional Center Dr Ste 200 

Rohnert Park, CA 94928 

Dear Mr. Frere, 

We are writing you to address concerns we have with complaints we have received 

for AmeriTech Financial, concerns that you are partnered with a company that has 

been subject to disciplinary action as a result of a lawsuit filed by the Consumer 

Financial Protection Bureau, concerns with your advertising, and concerns with 

additional consumer reports we have received. Our concerns are outlined below. 

Complaints 

First, we have received a number of complaints which contain concerning 

allegations. 

e Complainants have alleged that they are being scammed by AmeriTech 

Financial. 

e Several complainants allege they were lead to believe the payments being 

made to your company were going towards their student loan debt, only to 

find out later that this was not the case. 

• Complainants have also alleged the company made various misleading 

representations, including: 

o claims that AmeriTech Financial was a \\government company working 

directly with the department of education;" 

o claims that AmeriTech could "get me a lower monthly payment with 

my servicer if I dealt with them as opposed to dealing with my 

servicer on my own; fl 

o claims that the sales representative stated "you can include \anyone 

you car pool with, buy presents for, spend money on, take out to eat,' 

etc." as family members; 

o and claims the company can "save you hundreds of dollars in student 

loan payments by handling the consolidation for you. fl 

o In addition, we received an anonymous phone call, in which the caller 

explained that AmeriTech Financial sales representatives are instructed to 

mislead customers and trained to tell customers to falsify their family sizes in 

order to get a lower monthly payment. 

BBB Accreditation Standard Three requires an Accredited Business to "honestly 

represent products and services, including clear and adequate disclosures of all 

material terms." 

Please provide us with a written explanation responding to each of the concerns 

outlined above. 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 2 of 46 

Stiner Attachment T - 1 
Second, we are concerned that your company may not be abiding by the Federa l 

Trade Commission's "Telemarketing Sales Rule," which states that it is illegal for 

companies offering debt relief services to charge any fees "before you have settled 

or otherwise resolved the consumers debts." You can read more about the 

Telemarketing Sales Rule here: 

https://www.ftc.gov/system/fi les/ documents/plain-la ng uage/bus7 2-debt-rel iefservices-telema rketi ng-sa les-ru le-guide-business. pdf 

The complainant, Timothy Jones, alleges an agent "prompted me to pay a sum of 

money to initiate the program ... " 

BBB Accreditation StandardTwo, Section A requires an Accredited business to 

"follow federal, state/provincial and local advertising laws." 

Please provide us with documentation confirming that you do not charge upfront 

fees for your services. If you do not feel the Telemarketing Sales Rule applies to 

your business/ please explain why in writing. 

Company Affiliation 

Third, we have received a copy of the contract a customer signed with AmeriTech 

Financial. In that contract, the customer is asked to use a dedicated savings account 

through which payments to AmeriTech Financial will be made. This account is 

managed by a company called Global Client Solutions, LLC. According to public 

records Global Client Solutions, LLC was subject to disciplinary action following a 

lawsuit filed by the Consumer Financial Protection Bureau. 

According to the Consumer Financial Protection Bureau, Globa l Client Solutions, LLC 

allegedly helped "other companies to collect tens of millions of dollars in illegal 

upfront fees from consumers." 

You can read more about this action here: 

http://www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-againstglobal-client-solutions-for-processi ng-illegal-debt-settlement-fees/ 

BBB Accreditation Standard Eight states that an Accredited business shall "avoid 

involvement, by the business or its principals, in activities that reflect unfavorably 

on, or otherwise adversely affect the public image of BBB or its accredited 

businesses." 

Please provide us with a written explanation detailing how you feel your affiliation 

with Global Client Solutions/ LLC satisfies the Accreditation Standard cited above. If 

not/ please provide your plans for working with a different company. 

Advertising 

Fourth, complainants have reported receiving mailers from your company. We were 

provided with a copy of one of these mailers. This mailer states: 

• "We are pleased to inform you that you may now participate in the Student 

Loan Documentation & Processing Services Program. This program can 

immediately assist you in potentially saving thousands on your student 

loans. With the implementation of the Health Care and Education 

Affordability Reconciliation Act of 2010, the U.S Department of Education has 

adjusted their re-payment policies;" 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 3 of 46 

Stiner Attachment T - 2 
o "To confirm your eligibility, please contact our Student Loan Department with 

your account#;" 

• "FAILURE TO RESPOND TO THIS NOTICE COULD CANCEL THIS OFFER;" 

• "Student Loan Department;" 

e \\FINAL NOTICE; 11 

e and \'RE: Student Loan Payment Reduction & Forgiveness." 

A copy of this mailer is attached. 

We believe these statements to be misleading by implying government affiliation 

and urgency without directly stating what the offered services consist of. It is not 

clear that this mailer is a solicitation from a business rather than a notice regarding 

a government program. 

According to the BBB Code ofAdvertising, which all Accredited businesses agree to 

abide by, advertisements that are untrue, misleading, or deceptive shall not be used 

and misrepresentation may result not only from direct statements, but by omitting 

or obscuring a material fact. 

Additionally, BBB Accreditation Standard Two, Section F requires an Accredited 

business to '\avoid misleading customers by creating the false impression of 

sponsorship, endorsement, popularity, trustworthiness, product quality or business 

size through the misuse of logos, trustmarks, pictures, testimonials, or other means. 

Furthermore, Title 39, United States Code, Section 3001 also states that offers 

which reasonably could be interpreted or construed as implying any Federal 

Government connection, approval, or endorsement through the use of a seal, 

insignia, reference to the Postmaster General, citation to a Federal statute, name of 

a Federal agency, department, commission, or program, etc. must include a 

disclaimer conspicuously placed on the outside envelope, reading "THIS IS NOT A 

GOVERNMENT DOCUMENT." A disclaimer must also be conspicuously placed on the 

front and back of every page of the solicitation itself, reading: "THIS PRODUCT OR 

SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY THE FEDERAL 

GOVERNMENT, AND THIS OFFER IS NOT BEING MADE BY ANY AGENCY OF THE 

FEDERAL GOVERNMENT," or a notice to the same effect in conditions as prescribed 

by the United States Postal Service. 

Please modify this advertisement by removing statements suggesting urgency and 

which imply that this offer is regarding a government program rather than offer for 

services made by a for profit company. 

We are also concerned that you are advertising a 100% Satisfaction Guarantee on 

your website, www.ameritechfinancial.com. Additionally, on December 16, 2015 you 

informed our Director of Trade Practices, Daniel Stiner, "due to our total 

commitment to our clients 100% satisfaction - a full refund is available at anytime 

during the process and even afterwards if they are not totally, and utterly satisfied 

with our service. We really take the client satisfaction thing very serious and it is 

our #1 priority. 11 However, we have received complaints in which the complainants 

allege that AmeriTech Financial, refused to give them a refund when they requested 

it. 

According to the BBB Code of Advertising, "Advertisers should only use 'satisfaction 

guarantee/ 'money back guarantee,' 'free trial offer,' or similar representations in 

advertising if the seller or manufacturer refunds the full purchase price of the 

advertised product or service at the consumer's request." 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 4 of 46 

Stiner Attachment T - 3 
Please provide us with documentation confirming that you do issue full refunds at all 

consumer requests. If not, please cease advertising 100% Satisfaction Guarantees. 

Business Transparency 

Finally, we received an anonymous consumer phone call, informing us that your 

business was not located in El Dorado Hills, California, but was in fact located in 

Rohnert Park, California. 

BBB Accreditation Standard Four requires an Accredited business to "openly identify 

the nature, location, and ownership of the business." 

Please provide us with a lease agreement confirming that your business is located at 

1101 Investment Blvd Ste 290 El Dorado Hills, CA 95762. 

You may review the BBB Accreditation Standards here: http://go.bbb.org/luGehkP. 

You may review the BBB Code of Advertising here: http:/ /go.bbb.org/lluzut2 

Due to the nature of the concerns outlined above, we will be referring AmeriTech 

Financial to our Board of Directors for Accreditation review. If you would like to 

provide a written statement and documentation for our Board of Directors review at 

this meeting, please do so within ten days of the date of this letter. Additionally, 

your response, or lack thereof, to the concerns expressed above may be reflected in 

AmeriTech Financial's public BBB Business Review and Rating. If you have any 

questions, I may be reached at (916) 231-8929 or enichols@sacramento.bbb.org. 

Sincerely, 

Elizabeth Nichols 

Trade Practices Specialist 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 5 of 46 

Stiner Attachment T - 4 
Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 6 of 46 
Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 7 of 46 
OocuS:f:n Envelope lu. 

AMERiTEt:H 

F!NANCII-.L. 

Recp.!ired Dornmerrfation and instructions 

" ?lease return the following docurnent:- to AmeriTech Finam:ial dS suon as poss'ibit . 

o F:.J.iitue to retum documents in a timelv manner will result in oroc~s:;in:z de!ays. 

o Pl:!ase do nm fill out any additional infom1alion on tl1c sigr.a.n1rc forr,1s.. 

r-os l H D\/\j Return the foll owin2 documents to AMERITECH F!NANCiAl within 2 weeks: 

l) fncome Based (!BR) Federal Form 

a. Yocr :;ignarure is required on Pag..: 4. DO ~OT DATE 

i. lF YOU' VE FILED MARRTED-JOTI\T ff"l VO: IR MOST RF CENT 

TAX RETURN. YOUR SPOUSE'S SJGNATl!RE JS ALSO REOV!RED 

QN P,1!}E 4 

2) Gener~l Forbearance Request Federal Form 

a. Your srgnattin:: is rcquirt!d on bottom of page 2. DO NOT DATE 

3} Pay~mbs- For t11e r_1Jsr .rt-<:nli t-1omL 

c.. Paystub da;c J"m:gi~ n..:eJs to covt:r ar kasr 30 d<!ys of pay. and mi:st be v-:i,hin rh..: 

r: os! recem 30 <la},; 

4) 1040 Ta:: Return 

~- For most recent filed year - please send a FULL copy of your return. 

Return the followir!i; dornm01:1ts ro AMF.RiTECH F!NAl'iCIAL ··withm(1 months: 

a. This fc,rn:: onlv ~Pplier, rrvou work for a no:i-f}rofit SOHdJ o, -tc:~rnmcnt entity. 

1. Step I: Provide this form to your HR department ro ..::c-rr.pletc. 

ii. Step 2: Yqur si:.:nature :md dare !date required for ~his sμecial form, is required al 

th.; butto1u ofoa2e 1. Stiner Attachment T - 7 

DS 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 8 of 46 
DocuSign Envelope ID: 

iii. Step 3: R~o.tm to AMFRfTECH FTNANCIAL. 

AMERITECH 

F J NA N C ! /l.L 

Instructions: How to Return Requfred Documents 

l ) 5;__12_ti,:,, 1. Email (*Preferred* } 

a. \.lac, ·equired docnments and ~mail to: 

income.doc(q";:2mcritechfinam:ial.com 

"Do not email docurne~lls w your A.ci:ount Reprefemaiive 

*Only email files in PDF [ormar 

1:c. ··..:., s :.:urc:ly to: ·1-866--8 l &-9016 

3) Option 3: Mail 

a. \fail a phy.it(;ai CG?Y of your <locmnems to: 

r-n,cuS~ne:t !>}: ~ L/1 ·. l,il1J1kJ~ 

AmeriTecb Financial 

A,tm__;_ Documents 

11.0J.Jn.¥:e~tm!=n t · Blvd 

Su-ite.~9-QElDorado. Hills, CA 95762 

Stiner Attachment T - 8 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 9 of 46 
DocuSign Enve!ope !D; 

PUBUC SERVICE LOAN FORGIVENESS (PSLf}: 

EflJiPLOYMENT CERTiflCATION FOfUVf 

William D. Ford Federal Direct Loan {Direct toan} Progrnm 

Olv!B No. 184S-0110 

Form Approved 

Exp, Date 12/31/2017 

WARNING: Any person w ho knowingly makes a false statement or misrepresentation an th;s fon,, or on <lr'lV 

accompanying document is subject to pena!ties that may irrclude fines, impri~.onment, or both, under the U .s. Criminal 

Code and 20 U.S.C. 1097. 

SECTION 1: BORROWER mENTlflCATSON 

=-=-'"'-"=""_..,._.,.=~-AA --rr;;;-;~t:;-;? rnrrec.t th'; folfcwing -~~~n. 

n C'1t2,J: th1s f;cx ;f any of 1/0tir information has changed. 

SSN 

D?-te of Birth 

Nan·,e Hol1ee \1/arh::n-er 

Forme; Name {jf anv} 

Address 

Cn1. 'S,-.1:e Zir Code: 

T~lerhc-r·e - Prirn?r,1 

Telephone - A!tem.:ite 

E-m"::!i! {optional} - - ------ SECTfON 2: BORROW~R AUTHORIZATIONS, Ui'\JDERSTANDtNGS,, AND CERTiflC1liTiONS ~:t?t :.. :r:r::::rtb~••) ~-~Ill,(~ 

Before s~gning, carefu!Jy read the eritk ~ form . For more information about PSLF, visit StuclentAid.govjpul;'l!!cser.Jke. 

I authorize: 

1. My employer or other entitv hav[ng records about the emplc;ymeni: that is th2 basis of my request to make 

information from ,:,;:;se n:cot'd-; ;;v;iibble '.:o t,1::: J'.:.. C<?f..a,i:t";1e1~t of Education it) ,a DE;i.:urt:--nent} or its age.nts or 

contractors. 

2. The Department (and its agents or contractors) w. cont;;.:t m-= regarding my request or my loan(s), including 

repayment of my !G;n(sj at ~h?. teiephone number that I provide on thfs form or ;nv tuture nurnber that! provide 

for my ceHul;;ir te!,.-,;-hr.r,,:, or nth~r w ir,:,ie-<:s ri~vit"i:• i_isiPE aur0m2-ted ·t0lepb0:~,. rii.:,/irie "'f'.:•.tipment or artiflcia! or 

prer:e~crded J0;~i, u:- t~xt 1ness~~gi:~~ 

I understand th2t: 

!. To qualify for P$l:-, I ~.1;_,;1 1rak0 1:?D qualifying pi~:r,er.t; nr1 mv Direct Lc;;n t,; ','::·.iie cmplcved fu!!-time by a 

qualifying en1p!-::i'f1,, v er11~Joy.:r~ ~foithe · th:> UG qu.;i;,'{Hg pz-/men~.:; nc, ,:.-,p'.:-;y,'"lc·"t :"lave tQ be consecutive. 

2. To quaHfy for PSLF, ! must be employed full-time by a qvalitving employer o,· emp!oyers when t apply for PSLF and 

vvhen my loan is forg/vei. 

3. If! qua!ifv for forgi1•::::-=::;::, :;r!y tne r~:nair:ilig bal,:,.1ce ,:,n '>W Direct loan(si \v:H be kr.ri\.1.2r1 . 

4~ By subrnitt£~i8 t:"'lf:; f 1:rr .. ·:1. :-r~·1· -r-tti•:i~::rt f,.,inf$} hei:: hv th= ·tep~·-fftr··ent )1\dH ~lE' ~r:.}n~~·i;r"'~~ t0 r=edto.an Servicing. 

5. The Depart:,,":,\, 'TI/ r:::.r.,~:,st S'. ?pfemen•:ai documentatkrn substantiating my er:"(plDYi"':''er:L 

6. Ti)e Department wt!! <\Otif--1 me in writing er eiectronical!y of the number of qu;;lifying payments ! have made v11hHe 

employed fu!i-tirr-e ::rv a ouaiifying empioyer or err1oioyi<::rs and the rer-1aintng !'lur:-,b12r cf qualifying payments ! 

must make before 1 am e!igib1e to appiy for Psu: 

7. The Oepartmer,t ,,.;Hf nc",tify r,,e in writfng er ':?ledrcnicaliv if the form that I subrnlt is rnr,omplete, or if lt 

determines that r0" E-m;:-loyment or payme.nts do not qu;;1Hfy for- PSLF. The Departmem wili explain the reason for 

the detenninatio,; ;;nd the str?p, I rieed tr-: t,ke ti: correct the form or make fl'.1:'JH\1ing p;;,yments. 

8. The Dcpartr-~e .,..,.. ·:1: ·~: rt~·;·::-;·--; t:-i~ ,:=-?rtft~r.atic-n f,: --rr t!.r 1::; 1 <.)J C·•-nit mv appHc2tic~ fc, M f(j~·r :,/t:r.e:ss. 

I certify that al! of the i;-,formation I have provided on this form and ln any accompan-1i:ig document is true, complete, 

and comect to the· best of my knowledge and belief 

C Check this box if you ;::2r•'1m obtain certika,lo:1 f;·om vcur employer because the organization ls closed or because 

the organization h2s refused to certify vour empioyment. Th~ Department vvill foliow up to assist you :n getting 

documentation of vour ern0loyme:1t. Complete s?.ction 3, but do not compk'i:e Section 4. 

Bormwer Signature i')~fc., 

Stinef A.ttacnment T - 9 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 10 of 46 
DocuSign Er:valope 10: 

Borrower Na,, "· 

SECTION 3: EMP'LOYM~.NT iNFORMAT!ON {TC BE COMPLETED BY THE BORH.:''·V£R OR EMPLOYER} 

1. Employer Name: 

2. Federai Employer !dE:,'.tifo:atiort 1'\,•,1t.:1i::r (ElN}: 

--·-·········· ., , ___ ,,, ______________ _ Your employer's EiN may be found on your '\/\!age and 

Tax .Statetrr~r;t :, V<~ 

··-··--··-··------ ----

OR 

LJ Still ernpioye:L 

7. Employment Sratu~: ;-7 f ,;i! Ti1n2 C Part-Tim-i! 

Include vacation, tec-',e tn1<:, o: aw !eave t<:1k,~n 

under the Far·1ily Medical Leave Act of 1993. !f your 

empioyer is a 50l(c){ 3} or a not-for-profit 

organization, d0 not inciuoe anv hours vou spent on 

religiow; i11stn.1ctlci11, worship servi.:es, or 

proselytizing. 

9. ls yo:.ir em;:·!ov2r 2 fov.er~m~ntal organi.zation? 

A governme-ntal or;:~"-•i.,:,r;0~ i~ a c"d.;~aL St.,r'.P., local. 

or Tribal gover:-:rne""t ~rgan!zai:io"'I .. ag2ncv. or er-tlty, 

a public ch(]d t:r i'c:n'd; :;ervi,e :Jge.nr:y, 2 Tribai 

college or universitv, ,:ir th? Pe>?.C<:: Corps or 

Arn.ericCorr.,s 

O Yt!S - Skin to 5a.:lr<.:c·1 :~ 

0 No· Continue to :tt:,T lJ 

10. l s your e.mployer a r2x-exernpi: org;:,nization under 

section 501{c}(3j of the lr.terna! Revenue Code? 

O Yes - Skip to Section 4. 

D No - Continu..e to !tern 11. 

H. !s your e.mpiovc:r a not-for-?rofit organization? 

U Yes - Contin!Jf' t-, item 12 . 

ri No• V,:,t.:r 2::~;:-:-::\·-:: ~ ::f::~:s ~::>! qualify. 

12 .. Js your :?r-,p!oy.er a: r.:drtisa~1 po!it;caf crganlz~tion? 

n Yes · Your empL::,yer does not quality. 

,- i No - Cont!nue to item 13. 

13. Is your Ei:nr.ik,.:r:· ::. ! , :-or union? 

!=:I Yes - Your -employer does not quaiify. 

n No · Cont i:-,t.t.: :: •. lter:• ;_ 4. 

:.!L Does your err:piove~ rxsjde any of the below 

s2tvices? 

r l Yes - Se!E:ct al: Lr,?. services your employer 

provides nnd t:v~n ccntin.ue to Section 4. 

... C L rner;',t ,·;t ,' .. -',,--agernent 

s O r/Bitary ,;;~rvi:.:e (sec s~ction 6) 

= O F-ut.!i ... ~r.~~·et .: 

a [l l aw s>ri',:irr.em,;,r>t (>-ee Section 6) 

, [J PLitl!ic inte r est 1eg2i services (see Sectlon 6} 

a [l Early chii::,b:i,:id edui::at ion (see definition of 

"pub!;c ~2r-,1c~ ,:;.-g:::nizat ion" in Section 6) 

..  Pub'li:-: :':·:''' ··a, -fsr inriividua!s with disabilities 

• ['. Pu:,ti;: ser•.tii::'? for fre elderly 

• [: Dv:,1i1~ h,_, . : (r.;~,:: definition of "public 

service org?nizar;.:,n'' in Section 6) 

"' r-1 0u:,ii, r:-:l1 r:~:fo;, 

.: 1 1 Pub lic i;c,rmv services 

" ( 7 ·Other .schonH·-ased services 

D No - Yo,_;~ 2r'lt:,h:-ver s:ioes r.,Jt qr..1a!ify. 

SECTION 4·. £MP'I.C:''F~ ('SR'rlf-rC:AT-'G~J (TO 8t COMPLETED BY THf !EMPtDV~111 

:f:. ' ":'~::i:::,,-s""'•·i·-._-, ____ ____ ..... ~ -= 

15, U l certify t•1a t thf• infr,rrnatiori in Section 3 is uue, complete, ar,d correct tc th 2 i,.' It d :1·,·; knowledge and belief 

a nd tha t ! 3m a:, authori?e -s orfic1a! (see Section 6} of the organizado11 lltH:l'!'c.. ir·1 ;~(. ~:, :,,, 3. Complete items 16-21. 

Note: If ;,r:y 0f t1--e infonr;.:-,ti0r, is crossed out or a.itered in Section 3, vou must initi2.i ::,.~,:;;;; Gl6nges. 

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

17. Aut hori:z.ed Ofiic.idi's ; it,e: 

--------·• _ ..... . _ .... _ -·-----·--·--.. -----

21. D2.te: 

- - --·-... -····--- --·····-·-· -····- ··-·--·· ----· .. ·- -~-- -----·- --- Page 2 of 6 Stiner Attachment T - 10 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 11 of 46 
for t he r{evised ;;c.1/ A5 'Jou Eam (REPAVE}, Pav As You Earn {PAYE), lncom;,:;-6::ised 

(IBR}, and ,~.:om~•t)Jr.ti11gent. (!CR} ?epsyment plans tmder the William D. Fort 

0 MB No. 1845-0102 

Form Approved 

Exp. Date 10/31/2018 

!DR Federa! Direct. t rn.L-i {Cir:,:;t t o-:1:1} and Fed:=rai t ami!y Edw:atior. loar; {Fr-Et; t~0g1a::-;-1s 

WARNiNG: Any person ~, he .,.!:)wingiy makes a fa!se statement er misrepresen-:at.o,, ,.1,, th;-!',: rm or on any accompanying 

document is subject to penaitie:s that mav indude fines, impriscmnent, or bo~h. under t he U.5 Crimina! Code and 20 U.S.C. 

1097. 

Address 

Email {Optio,1nl'.· 

SECTION 2: REPAYMENT Pl.AN OR RECEff'flflCAiiON R£QUEST 

iRtAD. BEFORE C.OMPLET!NG T:•HS FORM: 

0 Yo1.1 can ap;1ly 0nli:-,..,, ;:,r i:·r,,rj,,,r,t; .,:,(«; p ~w . rt 0$ f;'):;::er ar:d '=3'3iFr 7') Ct)M;"•;; ,-;-<:; t ,·.r•~ f .,p"\') cn!ine. 

e- !ncome-driven repayment pf ans offor m,:.;:;y bE",nefits, b1 •t rr:.:iY nc".: b,.,. r:rrt tr::-~ 0vervone. 

s You can learri more ab,,ut thesE· p/c,r-i', 2': 5!:~'ihr:t<~id.g~t/l_QB. and bv re,,:''·.-: <;,,c:-:-;r.:in~ 9 and 10. 

~ ft's simple to explor-=: a l; of your repayme0t .::1pt;c·1s at Student;:.\ic.1zov!r2g·, ·n1;r \.:~stimator. 

0 YoLl r-zn fird ~n:': ;,;. •· ; i· t'·1T;2~ -::-f !c, n5 'fr.•t, ha-,\:,- :m,;i v•/1 "J your loan ho!d91· c,r SH..:icer ls at ns!ds.ed.gov. 

4' !-f y0~1 nei:d h1:i'1 cnr,~! ·~t•:i.1 tr.i~ request, contact your lc2n hoide: or Se:'1,'!C('.r for free assista nce. 

1, Se!ect the reason yo11 am sd::rm11.t.ing ·this form {Check 

oniyone1: 

 I am nor in an 1ncorne-onven repayrnent p!;;n, out 

\.Va r~t t c ert1.:r c:rH. C_.:.l.t.: .. l;. ~..: , . . :.t:.:,:; 

 l arn a!recdy i; :-.H~ ~ ... cr·r .... ~:: 1 id\.:r;n rr~·oa,,r~f.:nt ~Ian 

and ain subrnit.tTnr ·:Jc ;:• .. r; t: ~ .. ~ ~,~icn -~c-:r 1:he annual 

recaituiat,on of r:~y pey; ::e:':i. ... :;;,in to it~tn S. 

O t arr• ?ilreadv !n ~r: itrc\•• .. '"':t-• •--:- ·"}'.,,:~') q?r;1vrr1eri~ ?~~~ :1n-j 

am subrnittfng .:Joc.1n1f: ";7::· ~::-. , .. , ciad~: ;)r:<:·~u!:e · i1:z., 1t 

my Joan holder to rec;::h:la~e <>1y payment 

imrned~atcli - .Skiu tu rc~nL~~~ 

0 ! am 2!ready ;n an ln<..or,t:-·Oflvei'1 i ::payment p!an, 

bu~ v.Jant to cf-.. anE·i: t-.: • , , r,i;• ·1:; ,,.:( : . • ~ ..... , n!::· dri\.en 

repaymE=nt p(a.-, - Q;._r_ -;.:,J,. :'JY,;I ~'2/, 

2. Cheese a plan and (;1::.': n f_;,;_f! ... !llil.q_= to !tern 3. 

0 (Rto.,mn-ien0e01 , ,; .. "., . ,r-lf ,t,2.ri holder to p!ace ,neon 

th2 μ!2:, 'r,it/-, ,h(, :- , .. . ,, r ·,:, -;::+! ;.\ayment. 

~ ........ L 1,(~~-

:': .. f);_; r~:u ~,;:.tV~.: ;;·~t.:[tt;: ." !:. · ... ~·· ~, .. ,;• ... ; ~·~.:: ors~tiJiCers? 

0 \/,::,,, -'-o"'rn1't ::a,-,-.;· r,;;• "'- , •. ,,., •e··t ''" ,,,a~h lo"'"' ho' lder 0,,. t~:;;_,. _._t_.S . t:; .... ,..C:.t" ·"" ~,-),-• ;')c <.:V ..., \,, ' " ' ~ lJ 

.... ··h :;·, ( ,1,.) t~:. · '- .. •.r:,~ 

Ci No - Continue to jj:<:>m _,. 

,--; }'es, but l v11o1nt to si.a,, maidng payments under my ptan 

;rr;rncr.f:;- ·ct . f • :: ... ~~·· . , .. ..., 

i ;,..-~sp b•J'!: i d:, :'\c~ \ir~r:~ ··c :·t:\-t ;-cp:'i\.:ing mv foans untH 

-:-h=: :=0f <-'•""· ::-,: :, · + :,,.: ,, 7, 3: "" E .:e's - Continue t_o item.$ ... 

!fvou have FFe:l. Program k:'3.nr. :;1e; r-.=,.! ·: ,:v be repaid under 1BR. !f you request o c ,ff,., .. ..,,,i' rl'ln, your loan holder wii! 

conside1 vo.i for :6R 0i-- y·:,ur r::f..:.. Pfogram ioan_s. ·fou may be cb!;:; t-'.l i:0:,.,>) J :.'.;;x2 ·1i.;tr ,-.~ .:.!.. :;1 c i:'\r -~!~i L::.,;;n~ i:,t,: a Direct 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 12 of 46 
5. How many d dciren, irid ,.£:·,.:,r ~;:bor~ ch-iidteti, il\n:: in 

your familv and r"'-'ca,v& , 10.-2 t:dr. hd i .:if th2ii suppon 

fromvou? 

0 . Continue to Item ":'.. 

A defn!t}on ;f '!ft: .. ·~:~ ~1 ~::;:1. · t:.. ~·- ;,;t·: . .:.t :t: j~·: S:;,:t;c,:; J. 

Do not enter;,. -Ja ~,.a ,o· ,,;.: :,: y'.)ur s1:::cusi::. Thof!? 

. vatoe:) ti(t=-- :;ldf(?iO;::-~it .... ,•: )q( ' , , ·lc:,-:.1 U ;~.r :rJt():'":,(i;,t P 

8. Did you file a federai inu~rne ia:x i'ttum tor either of 

the pa~.t t•.,n; tax v~a1::'i' 

O Yes - C,: ;,l:iQ'd ; .: ;~-- _ ·: 

0 Ne- ·· Sk;o -:0 ;tu-,1 :;;·:. 

9. Has your lncol""! ?. s:gr ,;;_;,. '• • · : ~,r~--1 :-;_,.,:P, yc.1 f.i!e,1 

your last feole1•.;,;l i,')r;; r01<"" ·•,.,, ,· :' .,.. ,r,,' r·- r t0 Y;'H.'Ylr•~ , r;;;:v;:: 

you !c-sr v:;:..::-- J~~I ; :::~.:o:' 

clr:.,p in L" . ..:.0:-.12.. 7 

• • · ~ .... • u -~ .. r- ... .. • .. , ~ ..- ;,,... ... tr ... , ,..> .-, ., .. ., . · -··"' , -·· ······r--· . .... . . .... __ -

D Yes - Cor.tinue to !tern 1i~ 

O No - F rov,,::iE: y,,,.,· ,-,;-.,.--::,. • s->re1w r:::d?ral.incorne Tax 

D •tes -:..~dinue w itern l'2. 

n N"' :-.•,:~ ~--· :~" ... ',, ·1 - 1...1-...,:,i.i ,t .. t.\..- t'_._:, , .~:.:.:_;.;. 

12. Provide ~;i t: folii;;J\ii~g :,·,

1-~ , ,1, ;:;t1,:rn a,;u1t ~""; _;r,,0use 

ancl then ~~t: : , .. ~"'~:.. 1..:.) .~~ i: ... . .. ~ :.: 

a. s:~o !~~•s ::rt!· 

b. Spous:::'s. i\lam'2 

··-·-·····-···-·- --- ------------

13. Jf you are piar.ef1 :rn-: ·\ ·1? '.:_~ ~di:.H! .:c f·?~~ i;.iant: ~ 

repay your ,Ai s-:~ :.c_:., ' . ·_ •:J'th •;-:-1:t spoH5=e? 

14. Wh~,l you -m~d vouf :e:sc for:,efal hv.:ome tax return, 

did you We !ointl\t w•th your spouse? 

D Yes - Continue,t::J m,-, .. ·1.5 

D No - :!l:.j,;_ ',~- ,:t:,•;__-'- : 

 f,'" . (' !,;, •r t,,,., '. C , ' ''-'.l ! ... •,.,, ••• .. ~ , . 

fl. i-klw 1<:1 :,t:

1 f~,:~,: .. :,.: ,:.:x~'.wcling your spouse and children, 

live ~11ith \;Dtt, .m:.: ,-~1e ,,.r10 more than naff of their 

S'.!f,p•.)rt fror.> :·· · .. -

10, Do you cunemiv tiavetaxai::ile income? Check "No" if 

vou do r-~ct ~;:,.: .::.: -·~\1 .~:.:c~m~ or raceive on!v untaxed 

rno;,m':!. 

! ~.erne~~t,?r. a..,,.,: ~~r;,; ''N"'G ma!tes a know!ngiy false 

i • , .. ~ . , . .. . . ,., ... ~ •• th ·,s f m b I Jt~1~.:.,,c..: n:. '- I • =~· ;;-- :.c, ,t.O\.lV{ I u,, __ , . ,arm lay · e 

I swoJecr_ ro fo,e,. !Mpnsonrnen_t;.., _o_r_b_o_ ... _d_1.,--______ _, 

Hi. i-1'35 vr,,,,r i'irnr,...,, "'::''"''fi.,.,.,,.,tl•1 r.hanged since you 

fi!+.':G ',10Uf b.! ~ i~,iur:/ -r,::,,r,H,! <:ax retum? For 

t"a~r,μie.r i-13.._.,_ 1 :1.,. ,;;:..~ y Jur job c~r experienced a 

c:op in incomEfr 

--, 

-~·--! >.G .. ::_J:--;·; _,.,~-~: .. . ::. • 1- .... ·;-~ 17. 

:7. : '. .:..: ·;::::-..:.~ :;;::::.~--~.: :: . ..::: .. '..~ .::bnlfi::$nt!y changed since 

'."''-"'nr ~,~ous,-. i,,.:;,,. ,1•!- ::r \-,;:;r iast. recleral income tax 

·:•t1Jtn :> ;.,::., -·-·, • , . ,, ,,, -r, .~ -,1n:1 • soouse lost his or her 

i()b nr ;:,x;.''~' '"' >r ->·: :, --:·-:~ in tricome? 

r:J Yes - Cont i.,uE- p l':ern 1.8. 

n No -.P,ov>. c: 1...,,,1r cind your spouse's.most recent 

federa! ff•c·,;,:;; :u-., ;·•;·t 'Jrn or t ranscript. Skip to 

18. llC y-.,u ClJ!ren>-\r "'=!V~ ,:aY.ab,e in~omE'.? Check "No" if 

1,.1.: .-!:, ;--c- - ,_ ,, :;• , ;,,, .. , ·,e ·,.r re:cei,e: or.!y untaxed 

?age 2 of 12 

;=: Yr.s - ~'rnvifl'f: ,_; ,,, .,.,'?,rt:1tion of your income as 

'nstn!cte.d ''1:; :;;r::'.lJ,. ?-, .Continue to item 19. 

fF;eHH:'rnb-=:r. ,;: -·., ,~·::•·~-'.<i'' -.-vho makes a knowingly false 

l .-;.;:a~t=1',k•J r:,• ·.-: •. -.:•i-=.•;.-,:1i ,:::i:,or, on chi.; form may be I • l ~ -'~} 12'-~- t1..'. I'. ,r:.• .. : .. r;:_:;~·:·:,·: .. ~.~ilt ) or bo,_~_tn_' _. ------' 

Stiner Attachment T - 12 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 13 of 46 
SECTHJN 4B: H}AN M·f1 it'-3.(~0M ~ mJFOi-UvlAT10N FOR MARRH:D BC·1~_i;::t.M£R..:; t1:.C, ,,._,;,::.11 

19 .. Dees you.,. spr.;1i.;~ ie ... ~~r--1rrtt-; ;1Ch~~ ta~abfe fncome? 

Check '·r~o*: lf ye(.! ... :·.i:•.) .:~. ~, .. ~s. r;•J t~>·.abfe ~rtcon1e or 

r€ceives en\ · , 1-..t:- ·~, , 

U Yes - P-·e;-,,:r.i~~ •·!,'' 

[ j Y~::s • .(QL1:;.LOJlS~'°:C•_.~~,; f.(t.\i . 

 No - ~;',L~•. +_,p '.; ';:·,~ t 1 _ 

21. Has 1m1r }1t-01•:~ :,,;: 1.>if.".: 

rited yom hrt ri-:rif· ; ': l ,,, .,. , 

exa:-npie . h~ve \ t CH} ~;;~·;. 

dro!) in incorn 2? 

{7 Vee.- i-·,..~-.-:-;, .. , .. ,, +· ·., ..... ~~-. : • • ...1 • _1., · __ -~-- · - ,,_.,._..,_.....,.,,..~, 

22. De you <:wt:e~t~v nin.i~ ~:.~,; i ::iL,c ir:t.c-me-? Check 11No:1 

?f VC.h~ (tav·-= ,·,L~ !,<°;Xe ~t\.: .! ' t •.. • :• t · , i • ..... "':~··..: i) ?i'l 

wnr~~;:;;-..; ·1:·.:e. ,,:,;~·~:;;. 

f7 't2S - Ctf( ,V~-~t:; 

' ' . l \. ,J .... ~---:':;,,,.,·.~:.. ~_,. ~-·~-z..·~LL __ ~i.:. 

;..~~MC:(~~~-~ .r •~ •. , .,- •~·=---~="~•.1n--"'•""'w,·,~-"'~=,.,.,,., ..!t"·==-="""' 

24. Are yo;;i rez·;.::;·,:+, ~ .. :, '.; ·,:;;. .:sccess information 

o;boi,ii: yo,:r :;:·,,· •~· ::c .: :~sn2 and able to have your 

spot-~f.e si.~t 'J, ~ ~>.iO~i• .--.~:')n? 

L:J ":fes - h~r!t~ .. ~:; 'f.;J;f~:::r. 2 ..5_... ,' .... t.., .... • :.:: :.ian 0f only your 

, L:.::m 21 v 22 and then 

2'5. fild \:Ou,· ,00i:,- 'r:'t':: :':•01~r;,! in.com<? tax return for 

eithe"" of the! ,,_;,,_:f -" P ·hix· v~ars? 

25. Ha~ ~•'.1•,;.-• - ~'"· , : ·, • .> r:gi~ifr::int!v changed 

:::~rrt ,: tr··.rJr .._. .-;,. ~ ~ :. Htr. ~·: :5 c:;· her last federal 

income tGIX n?,:urr: r ,.,.,, ,f:.,;:,rz:ole, h.as your spouse 1 ::..:t.:: ·~·t· .~ : .i ~ .: : ·J!> ~:~ ir1..:-ttine? 

.~ \ .:. - j , ... . . . , -'s most recent federa l 

~,:.~nscript. This information 

'"',f> REPJ.YE Plan. ?kio to 

· ,, !. • •'; 'iavc: t2xal:)11: mcome? 

: . .:. __ • .. '. . .:, ·. ,i•.:, taxai.Jlc income or 

v . ; .• ,t: used for ,;-,e REPAYE 

. --~ ----_,-_.,,,. ...... __ ·--·-·-•-• --· ·-- - ~- . --- ,..,_ ......... .,,.,, .. _, ,._,. __ _ ! Remen:r-..:t, .::,{, ;.' r;e.(~Q;, ,_.;;ho.makes a ~nowing!y false st~temer.t ·or -~j;,fF,yf(r~r-::;' ,, .. , ,- , ,;~ -:~ rr., may Pe subJe.i;f''l 

~-~ine< __ :mr>r:~~--.'.;-,"f,•· __ ,~---~:.:~_-____ ,,___ . ·· •· . , _. ·-- . . .. ,< l 

You onlv need to injfow ~3⁄4,0 ::-,~ 1""'!' •srnd-·1s if, based i:;n your a nswers in Sec..&1.'>,\ :,, ."' .. ,i• ·q 'i .,.x .;p.:.i.;s.e {if aμμlicab!e) are 

requireci i.o prc.wi:le cioc,,1,-v;,~r;•'~i.!1~ :i ,,t· .:ut.ir currem: income Instead of a 't.i> , a,,r~ ,·. t ; ; ·r "2; · L n· •pt. After gathering the 

appropri~te ,i,::-:::umm,;.~~t -~ ·. c:~ :tm:.1E: to Sc'!dion 5. 

.. ,.; : ~ 1rt· 1:Je 2 psv stub or fetter 

..1. ·;cA~c:;;~ h .. ~1:c.,~;i::• ;:1;. ::-·. :;: .:tr : }' ;,.~ :'-. :-J{::.~ r;icc~tnc: fi...::-1'i~ 

0.;nqL,· .. ···. ~j.:. L' .. (.:·. · L.,.:: ,•;i:~•:t ;nL,)n:, . .: .. Uh .. i(;,2nd incorne, 

,..._:il.:id0!1rl !:".r:--sv-:l. ::- : ·4 ·~ · ~·: :· :"'·"' !"','.. ;·r,: . ;;':'"}"·! ¢.t!"'1onv~ 

:,.. . .1: ~J;··c<.ix~t: ~r.;~ome 

••. .. . ". .... . .... '), ~· ..... -- ~. . . , ,,f'.,;,, ,:t,1:(; -5:Jj:,por(, 

·,: J,n_d .:~atement 

• i · :,)m,': 2nd giving the name 

& ,~fd..,.~ ."\n )tn, lei' ..-tn:": t r)';.c •": ~ ~1· ,r .. :":i hr1,M .r..ft€n vou receive 

t:,~~ ~~ . .:o~-·.-;:., · .".>. . 1 "f :, ::· 'l'":~·;c~ . .- ;;-2. r;~~nt~.-: 1

: or 11everv 

... j,:,.c..:mentation you 

i,,.; .. • •.3'· . :;!I ;;; clavs 'from the date 

: - -.! ,: '., 

Stiner Attachment T - 13 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 14 of 46 
Br.:r·:n~•.;,: ·.:. . . ~. - -

ff I am reques~iq; :.:·1 , , ·;,_ .:,,,,;;. :,; , • :' ,· -'::(;:;·vme•rt pian or se:ekmg to change be0• ;,r<:!.e.~ j. ic-n•.· : ,,, '=-' --1::9ayn-,ent plans, ! request: 

11 Thar. 'Tl ':f loan ,·d::l~· ,i ;.:,-· r. ,e O(: th:· ~.:tan i selected in Section 2 '.:D r,epa•1 c1 v e,l>;:1L;,:;- e,:,"'ec Loan or FFELProgram loans 

hed cy tnt: h(:V!•:-:- ·.·: 1,:ricr ! submit ~his ferro. 

~ ;,' I '.I,_, ' • : : 

'1ct1/~1 ':i" ~ c· .-

., · · · : • · ; :;i · , · ,-,::_ , ;: ,,. _,;led that my loan ; .c 10 '· ~-

r'> it- 1,-·i Oic~ £'"1,;' ' '1 : , -.,;- ,:.: ~::aH:. :.::·1.~·-l '·:. €1<:·:--,~c Jr0\'(~ i?$th~S'1rrte ir .. ii?i ;1:•~:;r, ~l~ t : :nu.:J 

:1•;'''.2i ,:,; '; ii ,f , ., ,.,~. :, ;, "::;-•-, -tlr'' <!cl' <)1 ~ !"-:; l <11!:.'ifV for «nd ! qualify for : nr,r~ t' .,:· ·: . , 

use tne r'o l! GV ing ,. _. _,,. :- c ioo,;1,1g n1y p,;;;n: R!: PAYE (if my repay ,·,e•": :Ji:, 10 .. 

, ;•:t:-, ~he lowest monthly 

. '-· i' :,,y !:)an holr;:,:r 1s 

· , ·~ ~':: :.,Jans, my !can holder wiil 

i:, REP.A.YE (if rny 

: : ,''"_,u,,:r income-driven plan, 1 

rnust Je ~ ;:;.t;~~ .,.:.\·, ~~ · -· ..... t ,N : 

the Stand"'rd ;,e p.,\,;;-,-" . t ,,' 

If I ched thf.' ':,,·,·: t~c=:!1°·\· : ' _; 

move fr<)n tr·.:- ?? r~i.,l·~ f.~: · ;:. 

~: -t-;·:: ·: .. , 1. !r!:1 : 0r_;!~•1E)r 1r?.!1. m'? -2 re.~~!Cet: -p:'r-"r"" ?~~- -·~r·:·. 

;

0

:· ; r:;~·t~ ·r ~ : --\ ,~ ;, r•e··);;.:vr:)ent p!an. 

u i·i I du "it.1!. pn::•v?;.. <:: 1 , : _,.:· 

on th~ ; .. :a•t d1.- ~ · :.~. ·"'. ::·•.,:1":~:: 

. , ... : . l ;~;~i<e ;:; payrner,t under 

".'"'-: ,nonth so that I can 

'°\ : ;1t le.a:;t $5). 

., ·,,, 1· ·rL hcb'=.a rance request 

@ . ~: a:'r: ce.·::·-- r~ ·;.rLt::, L:i .: , . . ti:·~. :--r;., , .. -~; ai p3•1n1ent :5imount vviH b'7 -:hP a:n"'t1r•: ;; ,\:,;-.. ,, · ;_~;:t 2c<:rues each month on 

:·,iv h;;:•n u: r_ i'. ·, ,- .,· ,·" · : ._·o:i,,c:5 the ;n.:.0n·,c 00cument::it10,-, n.:!:',ied tc .- «k . ,, '-"' , . • .,- pay,.-1E:{,t am0unL If l cannot 

.::;\:vr(...! l;·.::- ,rd:~,;; ~}O•· •~·~·~-: i ..:.;i':'l-(:uot. I rtiay r-c:ques.~ 2 forbearane:e bv ccntactirt?' t ·":~-1 :~.a:·1 ( .. -:;.01:~r. 

e. :vl·:' it,2r nr..,w,~; , !· ,::-·, ;:;' -"i · ; .-,~ a ,ur02aranc.i;; wrilie precessing my apptic.i·.;,;:: ;: :::. ,:~ .:cv;;r ~nv period of de!.inquency that 

e;<:sts v~1he;·, t £tiarn!'"~ n:v Jcq .... d~at ic1·L 

I authorLw th, i:,;;.;·, r.,- , . . :-: .-.: .•. ,: .. ~.,-: ·:!1:-~ re;:,~;J <'.'S':. ( ;.•1( -,., 2;,'.0·•ts x c: :·::~:;,;'.'<_ ~s : .. '.: :; , .- : ; ~- .:, n~.:;<.1rdir:g my request or 

mv ioanls), 1:Fb.i :Ji ... ;. ·,: )'!'r:-: ,, , .. • , ,,, :"•,,.,r,(!>i, at a::y number t h3t l prnv,d:: en t!-::s :\: .-.,, r- · i!(:\ ·'crn:re number that I provide for 

my cellular teie~h::,;-:~ -:- '( ::,~t ·,, , ·-·"'"',' :'.,·,i::-,: usin~ 3utomated telephone' di:;iH~:'i :::q .:::,-- ;, ~: ·i: .;-·~•f icici! or prere~orded voice 

or tex~ n- es~: ,~ .. · 

l certify thct ,:,;11,;f·.!'1::: ;;,;0, .. , _;u·, • :·, , ,1 s i:i:r:v,ded 0r, :.his rcfm ana in an:t accomy2: -,,. "' _c ,. ,::ni.,i"l,,::in b1:ruc:, complete, and 

correct t-0 ti"·:.: ,. t:: :1 ; .: , i* . • < .. • ~, !: • .. : "' · ::~i::: 

. - ·-····---- --·------

Stiner Attachment T - 14 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 15 of 46 
DccuSign f:r.ve,cr..,:; ;:; 

SECT!rn\J 7: Wt·JEE£ t ;J ifr.tu 1 r'. ,:. CCFi.lWt.Ef-HJ .AG:RHMENT '

-·: .. ;·,-."-~ ~- ---~,:~:~, :=~~~:<<:~'::·~:::.--~:- .,: ·r: . :· ·.:•;;:,·-·-,oUer ,', : {;f r-o :,~,;:;:pp,,:l-:.': • , . 

c · .-r,.. ~.aJi 

Of no add res~- ;S ::l·k~ \:\•r.r :"i_~t<.J:' .. ,

service-r,; I or se:·<.-1.::e .. 

I 

. ,, , ,:,/1 '!Old ioan holde r 

Type or pr!nt using d~:"'k 1:k. :".r~ter dates a.s month-day-year (rr.m-dd-v\'VV}. us.e only nurrit1•.~rs. f.~i:'21npie: M arch 14, 2015 

:: 03-14-2015. !nc!t:de yc:ur ,-•.:7 r- a .. d c•.::(:'.);Jnt number on any docurnentatio--: tr.at y,.n ,:, ·" •~!'.;- ·red t:; submit w ith this 

corv'iMON o _~f"f:ff'f ~tJ \ ·:, :: -.. ,.,_.,.. · .i __ ;t,.· CC'0 ~t.~. r:- :1'.:r ,,} 

REPArl\--'.::l~:T ! '..:'\~.'.:, : 

Unsub~!c"i.:;r~ • .. ·;,1r:-.:, .-~: 

Cons-olidi:i t fcr: Lc:lr-. ~. 

The t,edei".a, F,wu!v f C;., ·:.-,;c,,, ... ,,.,,-, hFi::'-, 

Program indudes j:.ed,?r~! ·•- 2- -,, -;; : nan,: ttrlih 

subslr.Hz~·a anri S.f:'~ i_} ~ .. :u·;d.:~,f'"; . ;,. p r,.:::; ?i• t-·!. f J~ ~.r.;;~;,,.• 

your :.;~?·:r.:~ .. :: t .•:,.. (·~ \- · · ,. -~ ·' 

pubHshEd acf~i!.: :!\J ~·,__; t·r\t~ ~,.: •' 

and .-;t..:r,;..:.:~ -~ ::, ·"Jt•·•: ·:-:~ !", : • 

guide:::· ~t?!; ~1 r 1:1 ~--~~•·f -: .. -., ,. : . 

e!ig;bifi'..·, i0· .,,~ --;•· · "::~·:: ·: · ·~2 . 

are not (.1 --~~!:!::·:~ ::.: :! ::- :::" -~ 

Fa rnl~y 1~=~ .~·.:. ;,~>;/; i . _·: _ 

(includJrJi,; ~"'!,;i:•··r· ...:::·:~ 1,.,. ~1:·· 

yearicr t ~r• , ; f: ~rt:: .. '.: 

chilt~!·::;, ,./;i .-- ,::--:'<: .. 

you. 

. . - " r . '\ . ,.! ~ · J 

. . ;. ~ ... . - ' . .... -- ;... ":· ........... ; '"'l ...-t·~ • ,. " . ..... r"'- ' -·.: 

..,. . ,,. ~ . .., . 

.~•~: .::v· .. s·; .:L.,(:\J. Lie 

·h!=-

Fo; d1e r'A \t; lC::fL ~ ·,c; 1.:: ". •1 :;..i; < .. ~drn:ir ~,Le a!s.r.:, 

always ir.ch..roes \-()lH ~~ .. ::~~ ..>l.:, , · ✓:., ~h~ , ~Er'r. <' C μ1.:d ;, 

fami!v Si.:~ ; r . .:1L,j.!.:, ': t_;t,n --~ .~ '-,- ·.:. th :?~ .. J::.. ;:"_ ~' :· .>1-JUt.!~e 1£ , . incorr.~ ;_ -.;::_: ~: -'~-;: _ . _:., . . . . , ... -~ ..... ~.... .. ... , . " ·, ..: '-- . 

payr:-;:c:.~ a·H,•L·: • ·.,_,t' ,<•;-_, · 

yc:.ir ;!:Jo·-~ .~ ,· · ~:; 

inco ... r. :.. ::17.:~t -. · ... = 

;:-er ail ::• 'a:-::: f::~r.; ' ', . 

people cH,1•_: •f t '-~·;•;, ·- · ,;;:. 

:,_ ,: :en 7. 

d. '~ ':'S Ctr'er 

i/00 ccrrffy vc ur iCiHi:\: .;L·f . ·:·c•;J~:,..::.;(;~ :t,C:wdes 

:-nVi"<tY, 51iL.S1 ~v:,..:d:;_) t~~ ,,;~, ,., ...• :~i: '1CS . car, 

medicai and -d~:ntal ,.::c;: :;; ,.,, • ;;,,1"cn::0 .-~ of college 

·· ":h,, ;.:'., ·;-: :--a~ · 

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! "· i. : ~: ;_i .. =sn:.>1 

-- -.. . ~~ _.,h1.: n~rn~-.;;r 

•.,:, .. : 1,:,:,-nl i.1,:2:ne ta)( 

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to th:-: pnnctp;d b2fan::.7:: t:; .... ,•,.-: ;;-,.:H~ . Thts V-lH! 

increase the pr;nc!oai bo:3nf.e c.rH:.: yr;e total cost of 

vour loan_ 

A deferm ent is 2 r,,,~ . ..,~, "',,;i-,"' ·Hh.ch you are entitled 

t'J oos~:.,::,~ ~ .... :~ ..~:/./:-.:, -: ·.~ . : : '. : ... !~:-2st Is not 

gene~al!y c~argel.1 ~,! vai: d:: · 'np , ::!1:,1::> ·,;1e~t o~ yc.ur 

SGbsidized ba:;:;_ lnter-~:t i: ,,iw:i,,s -:h2,ged to you during 

i • - • , •. ;~ ·'" S 

4 fnd.le:,n,nn, is:~ :.:: < -1-·:-_, ·,:1,~ ';.;hich ycu are 

~\? ... :·,·1it.fed t ~) p~'\~ )'~" ,;"_'; ( rr. , (r,·~\, ; "":, · ;.•d!'.r,~r;t5 tef.nporadly, 

atlcwed an extE>n~ion '.)f .,:r-.,,~ ~c,r 7,kin~ payn,ents, or 

temr.c .".•:: .~r I .:·:·..:,\.;Ve'C t•.~ :- r ;. ~-?; : .. ~:,I ~ , .. (1£~vrr:,=pt:; th:1n 

: iE:n~lie !:ff Pr:e; .. :;.:,,:n·t'-.;:· ,. 

.::-th~·:· :c-H:t~ i ~1: ?:~ci:ir.;n ,, 

.:.1 ., ue a lender, 

Stiner Attachment T - 15 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 16 of 46 
r OMS N(;. 1fi.l5--0-'.n1 

• Ferm ~pprc,vec I E;:;,. ()., 1:; '12(lil::015 

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, i::rb,wrance req•.1r,st. ED w~f n;;t 

·., ..... · ....... 

C.'.l~·~ ;;;;l<1r;;j to comae! me regarding my 

~,, ,.,i<iu!ar teleohone or vther 11,ireles$ 

!JATE: _ ______ _ 

Stiner Attachment T - 16 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 17 of 46 
DocuSign Envelope iC: 

A ERITECH -· F f N A N C I A l -·· 

H01 lnvestment Blvd Suite 290 

El Dorado Hms, CA 95762 

Te!ephone: (800) 792-86.21 

Fax; (866) 818-9026 

Website: w~t'\v.AmeriT?chFinandal.com 

Documents: income.doc@AmedTechFinancial.com 

Email:. suppoi·t@Amer.iTechFinandal.com 

Client Name: 1-toliee Wa rlitner 

Address: 

City, State, 7.,ip 

Date; 5/9/ 2016 

-~ 

Client#: 

Home Phone: 

Other Phone.: 

Thank you for. contacting Ame:-i'fedt Financial. Based on the information you have provided to our 

company, we beiieve rhat you may quniify fo.r one or more student loan .assistance programs otlered by 

the United States Deparrmem of Education. Aln.aiitebb&Fm:auci~~~~Ft:'.}'isa'pli\':lll'.e'ly~)iit-m@.ron1~ijy <' 

;ps:egnsumers '1ike-y~μj_d_entif1.·1:>'rogr-ams:.thait may be,:suitable:for their situatkm .. ~ gathers.their 

~ • ifd'~tionid:tY-Cilments,..an,d then ass is.ts $em by preparing. those documents for re.v.iev,, an4 

s~roij.sioniff o begin, we nee<l the following irrfo1:mation from you: 

1. Please carefully read the c.acloscd agreement. and make sure that all pages arc signed and dated 

where indicated. 

2. With your pennission and instrnction, please provide your National Student Loan Data Sysfe.m 

federal student identification ("FSA ID'') login information, and / or your most current studem 

loan servicer account statement(s). 

3. Please provide a copy of a voided check, along with the attad1ed ACH A.uthorizatioi1 Fonns, 

signed by the account holder who is remitting the program payment. 

4. Afrcr you have faxed your documents, or provided your FSA. ID login, picase contact AF at 1-

800-792-862 l ext. 0 and speak to a Client Services Representative to verify all documentation 

has been received. You may also email your documentation to: 

income.doc(@AmeriTech.Financial.com 

5. Be sure to retain a copy of all documents for your records. 

Due to the importance of this material unci so that \>Ve m.ay start working for you as soon as possible, please 

return these documents and, if possible, provide your FSA ID login to AmeriTech Financta! via secure fax, 

email to income.doc@AmeriTechFinancial.com, or mail to 1101 Investment Blvd Suite 290, E! Dorado 

fTii ls, CA 95762 as soon as possible. 

If you have any questions when reviewing the attached documents, please foe! fret~ to contact your 

AmeriTech Ffriancial Client Services Representative directly at i ~800-792-8621 . 

Stiner Attachment T - 17 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 18 of 46 
n Envelope 10: 

National Student Loan Data System Access Permission 

Purpose: For AmeriTech Financial to Access My Stllden1 Loan Tnformatfon from Government Databases 

Reason: To Obtain Accμrate Information Relating to My Student Loans For Application Purposes 

What i Need to Do: As the Debtor who is responsible for these loans, you need to create an onlinc User 

Name and Password. The U.S. Department of Education recommends that you keep your User Name and 

Password secure to prevent any fraudulent use. The purposes of the User Name and Password is to pem1it 

you access to various govemment websites and aliow you lo sign electronically on any applications. There 

are other purposes as well, so please keep your information secure. 

'Why We Request Your User Name and Password:. With your permission and instruction, we need to 

carry out the application services that you have requested ofus. We will keep your User Name and Password 

secure, and we wil! never share it with third parties. We need this information to complete our contracted 

services, including garhcring the ;elevant, pending lean information pertaining to you, and completing the 

applications that you qualify for. While the government does not encourage such sharing_ because they want 

to prevent fraud and abuse, with your consent and instruction we are permitted to review and assist you 

with the services you have requested .of us. We wil.! never use this information to si!m or submit applications 

for vou- vou must do that on your own. 

Authorization: As part of the federal student loan assistance application process, it \.Vill be most efficient 

for An1eriTec.h. Financiai to access your studGnt loan information within the Student Loan Data System 

("Data System") located on!ine at http://\vww.nslds.ed.gov. 

The Data System contains a complete list of your foderal education l.oans, aioug with current estimated 

balances and servicer details - infom1ation chat is required to complete your application(s). 

By opting in to th;:: AmeriTech Financial Document Preparatiou aod Service Agrccmcut, we request that 

you allow AmeriTech Financial and its agents to access your profile and an the data contained within 

that profile.1n order to allow this access, you will need to provide your FSA ID and password. 

Pkasc note that all information that AmeriTech Financial oblains from tbc Student Loan Data System will 

be used expressly for the purposes of confirming information. assisting in the completion and submission 

of applicati.om,, and, if purchased. annual monitoring and validatio11 of yOllr acc.ount. 

Acknowledgment 

f have read, understood, and agn:e to the above statements regarding access to my Data System profile. I 

understand that any information received or accessed wi.11 be used solely for the purposes as stated above. 

By signing below, I agree ro allow AmcriTech Financial and its agent's access the Student Loan Data 

System and my personal profile as explained ·above. 

~Ooo"""'~ "'' 

Client Signature: * hh,q kJ Date: 5/9/2016 

Stiner Attachment T - 18 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 19 of 46 
AmeriTeda .f.iiumcial Document P.reparati.on and Service Agreemeni 

5/9/2016 

Cli?nt Fi;-;.1 Name: Ho 11 ee Ciiem La,, NJme: W-arl i tner 

Cli~nt Middle Tniti:i!; D F.ormer Last Name 

S1rc~l .Adur.css: 

ApproxL-uareCurcem Mc,mbly Payment: ~ 330. 00 Nc:w loan Payment Validarion Tenn: Anntla!ly 

fatimated New L~n Pa.ymcnJ: S 20, 00 Current Loan Servicer(si: Fed1 oan 

Fcdtral Loan Typ;;s {P.arc.nt+.,.Dircct, FFEL,·Conso!idatiCJn, Other): 

Occupation: Associate 

Employer City. SWI<!, Zir: 

Empioycr !'hone: C!icnr Sratcd !"a,nily Size: 1 

· (,'licm Maritn! Stiuns: Sing l e Clicrit Sta,.:d Tm: Filing Smms: Singl e 

Current Annu2l .Income: :l; Fonn of fhcum.::mcd Jnroiw~ Submitted: Pays tubs 

Spouse Fitsi Name: 

Sp(>USC SSN: 

Spouse Employer Name: S]'OUSC. w,~rk Phon<!: 

Spous't Anntr:11 fncoml!: $. PSLF CandiJatq Yes ! No): No 

Accoum Type (Chc{;king ! Savings): Checking Rmu:ing Number: 

This Service Agreernerit is made and en.tered into, the date, of signing, by and between AmeriTech Financ.ia! ("AF"),. and 

Client. as stated in Section 1, hereinafter refer.red to as ("Client") residing at address as stated in Section l, Subject to, and 

conditioned upon, the foIIcwing for the AmeiiTech Financia1 Document Preparation and Service Agreemem. All infoimation 

above is provided by the Client 

Date: s;S,,tinf.{ Attachment T - 19 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 20 of 46 
uSign Enve1ope ID: 

AmeriTecti Financial 

Privacy Policy 

AmeriTech Financial (hereinafter "Company'') is dedicarcd to protecting your privacy and providing you 

with the highest level of service. This Policy explains whcit Company does to keep infonnation about you 

private aud secure. This Policy covers only infom1ation that you provide to Company or that it obtains 

about you from companies that you have chl1Scn to do. business with. Please read this Policy carefully and 

contact us if you have any questions. 

Personal Information \\1e Collect 

The pcri:onal information we coll~ct about you comes from the following sources: 

• 1 nfom1ation we receive from you, such as your name, address, and rclephooe number, or other 

information that you provide to LlS over the phone or in documents or applications. 

8 Tnformalion about your transactions, such as your account balam:es with your creditors. 

payment histories. account activity, and all other infom1ation rhat may be contained in your 

credit card statements or other reports relating to your debt. and 

• Tnformation we receive from consumer reporting agencies and orher sources, such as your 

credit bureau rep-0rts, collection agency reports or other communications, and other information 

relating to your payment. histories, credit\vorthiness. annual income, or ability to satisfy your 

obligations. 

We will not sell or transfer your personal information to third parties for any puqJOse in ow- sole discretion. 

We prohibit tbc sale or transfer of personal infom1atio11 lo non-affiliated entities for their use without giving 

you ihe opportunity to opt-out. We:, may disclose such infonnation in order to cffccr or carry but any 

transac1ion that you have requested of us or as necessary to complete our contractual obligations with you. 

We may also share your information with service providers that perform business operations for us, 

companies that act on our behalf to market our services, or others only a<; permitted or required by law, 

such as to protect agai nst fraud or in response to a subpoena. We may also share or transfer our informaLion 

in the event we transtcr or sell your account or our business asse.ts to another provider. 

By carrying out tho:;e services, we may disclose your information .. as we sec fit and as pem1itted by law, to 

your creditors, credit card compan ies, collection agencies, banks, aJ1d other e11titi..:s and individuals 

spedfica!ly necessary to effect, administer and pei-fom1 our services. 

Your Choices / Opt-out 

We provide you the oppo1tunity to 'opt-ouf of having your personally identifiable infonnation used for 

certain purposes. By providing infonnation to Company you are consenting to the collection, use and 

disclosure of such personal information in the manner described in this privacy policy. We p rovide you the 

opportunity to withdraw your consent when such i.nfonnarion is collected. 

Such consent may be withdrawn by calling the telephone number provided below or may be done in 

writing/email and scnr lo onr customer service departmenL at the following physical address or email 

address: 

Stiner Attachment T - 20 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 21 of 46 
DocuSign Er.velopa ID: 

AmedTech Financial 

1101 hi.vestment Blvd Suite 290 

Et Dorado HiUs, CA 95762 

lf by ~mail: support@,AmeriTechFinancia!.co:m 

Ifhyphone: 1-800-792-8621 Extension: 0 

How We Protect Yom- h!formation 

We trai1i our employees to protect all customer information. We maintain physical, clccu.-onic and 

procedural controls that ~omply with government standards. We authorize our e.mployees. agent:; and 

contractors to get information about yo1.1 on!y when they need ir to do their- work with us. You can help to 

maintain the secw-fry of your online transactions by not sharing your personai infonnatio11 or password with 

anyone. Remember, no rnethod of transmission over L11e Internet, or method of electronic storage. is l 00% 

secure. 

This policy applies to current and former customers. ff you have any questions, please contact 

AmcriTcch Financial aL .1101 Investment Blvd Suite 290, El Dorado Hills, CA 9576'2 

,,,,--OccuSlgncG' by: 

Client Signatrne: l /)J.J; ~" I l;1}ln .•. ~'f-,·_;,F"L__ =. =--------- Dare: S/9/2016 

Stiner Attachment T - 21 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 22 of 46 
OocuSign Envetcpf; fD: 

NOTICE OF CAN CELLA TJON 

You may ,cancel tht; tr!1⁄4nsactfon, without any penalty or ol>iigation whatsoever, within thr~e business days of 

!ht d2y i;; which )'otJ ~nntil for this St!rvice. 

lf' you r~ncel, aH p;;yments: or other consideration which may have ah·eady been nrnde by you wm be returned 

wirhin ten business tbys following recei!)t by the telephone solicitor of your ean~Hation notice. 

lfyou ,:,.2:imtL yut1.1 must return rhe goor~s la lhe tf!•:[lhO,lt: ,oii:itor at th'! addr.ess fisted beiow and a t the 

telephone snlicitn:r's ri$k and expense within twenty davs of the date you r.eccive back from the telephone 

solicitor the payments or consid~rndon you haveaheady m~de. 

Tr: c med t~:C, t -~•.,; ,:, !10n. 1.kr,osf1. in th<: m2il or deliver~ signed and dated copy dthis taocellation notice or 

any other written ;rntic.! to AmeriTech Financial at 

.~ mcri.'ff•d1 'fl1rn:1-:i.t' 

clo Customer Scrvici:: Department 

; HH fovestm.:>r" m n(l St,~, 19il 

El Dnr~rl.{;' Wi':., 'C .\ 'r~7f-: 

-~-········-·--·--·---····· 

---- ····-- ..... · ·-······-·····-·· -·•.-•· 

Stiner Attachment T - 22 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 23 of 46 
DocuS1911 Envelope ID: 

AmeriTech Financial 

Our goa! al .A.mcriTcch Financial is to provide excep1ional service to our Clients. While every effort is. 

taken to ensure we treat our Clients in a fair, cowteous. and honest rnann~r. sometimes our Clients have 

special inquiries that require our immediate attention. 

We believe that our Clients have the right to raise a c:>mplaint. and the right to have their complaints 

addressed immediately. We also believe that a successful organization must be ,villing to evolve in an 

effort co meet the needs of its Clients. Therefore. we have established a complaint process for Cliems who 

arc unsatisfied with the sen ice or treatment they have received. 

How to 1nitiate a Complaint 

In the ~vent you'3te unsatisfied wi th--our0scrvice, please initially direct yofil comment or complaint~ 

dir~HY:-to tl~e etiiployec or team which is~respo.asiblc for y~ur dissatisfaction. If the individual empioyee 

cannor resolve the matter, we will quickly engage the relevant Manager or Director to resolve your 

matter. 

¥le ahvays att~rnpt to resolve your concerns at the first po i nl of contact. However, if you are not satisfied 

with the resolution. you may then notif)• our Compliance Officer directly in writing at: 

1. CompJiance@AmeriTechFinandal.com 

2. J-800-792-8621 Extension: 0 

3. Ame1·iTech Financial, 

Attention; Compliance Officer 

1101 lnvestment Blvd Suite 290 

EJ Dorado Hills, CA 95762 

'Please include the following in vour written correspondence 

I. A clear description of the complaint and any suggestions you may have that would resoJ,.,e your 

gnevance, 

2. Details of any relevant infonnation relating to any contacts you may previously have had with 

AmeriTech Financial on this subject. 

3. Whether it is an original complaint, or a follow-up ro a reply you were not satisfied with. 

4 . Your complete contact information (including full postal address, telephone number, and email 

address) and yom date of birth (for verification purposes). 

'\1\inat to Expect. 

We strive to resolve all complaint inquiries a.-, quickly and efficiently as possible. You can ~xpcct to 

receive a response from us within 2 business days after we receive your complaint. [f your case is 

particularly complex and cannot be resolved within 2 business days, we will provide you with an 

e!-timared time in which you should expect to receive such resolve. Thank You. 

Stiner Attachment T - 23 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 24 of 46 
DcccSjgn Envelope fD. 

Limited Power of Ationiey 

To: Any and an of my Student Loan Creditors: 

T. hereby duly aut.1orize. empower and appoint Am.eriTech Fihlilicial of 1 WI InvestmeiltBlvd S.uite290, 

Ei.Dorado Hill_s,._i'.:A 9576~ its agents and rcpres~ntatives (''AF'') perroissfon to perfom1 any ads 

ni::cessary or convenient, induding but not limited to, the following on my behalf: 

I. To communicate with any and/or all of my providers and their sc1Vicing agencies to oblain information 

on my student loans. 

2. Prepare, sign, and file wirh my prior approval any documems pertaining to my student loans with a11y 

governmental body or agency. 

3. To communicate with ban.ks, creditors. financial institutions. licensed collection agencies, and all other 

relarcd entities and individuals relating to my federal srudcnt loans, including but not limited lo the balance 

of my account, payment history verification of the account, financial adjusnnenrs, and any and al! neces~ary 

communications. correspondence, and negotiations regarding my account(s). 1 assert that aH of the 

information that I have provided and will provide A.F is trne and accurate. 

4. I hereby authorize third party communication from banks, creditors, financial institutions, licensed 

collection agencies, and a!l other related entities and individuals relating to my federal student loans to 

communicaLe d irectly with AF conceming my account or the colkction activities associated with ir. in 

ai.:cordance with Scc1ion 805(b) of the Fair Debt Collection Practices Acl. 

T:uo-d.erstand that AF'is not a lliw firm, is net licensed to practice law or JJrovide legal advjce and that I will 

llot request or accept, any legal advice from AF re.!aring to my personal financial situation. I expressly 

agree to waive. forgo, indemnify and defend any claim against rhe AF rciating w the practice of law. i 

understand that any creditor or collection activity, demand~. or lawsuits ,ire Luirefarcd to my cnrollm~nr in 

the AF program. 

1 agree thar electronic or facsimile copy signamre shall be deerne<l original and is an authorization by me 

for a!l la:wfi.Illy enforceable purpoi;es. 

This Limited Power of Attorney shaJI remain in force until or unless modified or rescinded in \vriting, or 

upon reso! ution of L11e current macrer. 

Applicant Name: Hollee warlitner 

Stiner Attachment T - 24 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 25 of 46 
DocuSign Envelope 10: 

Fi11a11cia! Educ,ztitm Benefits Center Program Enrollment and Student loan Financial Educl,titm Kit Agreement 

Congratulations! We are excited that you have taken the first step in improving your finances through our Financial 

A.nalys.is & Evaluation. Smdent Loan Financial Education Kjt and your enrollment into the Financial Education Ben.efit!'i 

Cemer Program because getting the right tools and education will save you time and money. \.Y¢tli~1t · '._,;:i,~~l 

. p~a~~g~e,fiti~cmth.£.· • . B.,~~~fj:ts:G.~!lt:~!;:gr1Jgra;ri;rapd . .Sfudent)zoaff;finanq:faTEdii'catioW: • :rou havdg1ieh 

th(§:tffir-s·teps,111 changrhgy9'· . :~~e."·T11ese fo1ancial tools and benefits were bui It on proven strategics, methods, 

and exercises that we l1ave coupled witb tfre Financ.ial Education Benefits Center Program to help you beg1n achieving 

financial independence today and give you t.he greatest oppo.rtunity for improving your finaucial position forever. 

:1i;flHrr.:mcial Education Benefits Center Program an<l Student Loqn Finandal Education Kit Agreement whichintll1,des:J;I~1: 

_.personal financiui budgetary analysis, access to rhc Financial Education Benefits Cemer portal, access to official forn;s · ~~. 

J nd useful documents, access to printab1e legal documents aud templates, resume and cover letter documentation, tools foR• 

-:i eeping a budget, access to dozens of educatio1:ial and useful web links, access to useful financial calculators, three pait ,/ 

::$tudent Loa.n Financial Education Kit how to book series, electrooic educationai video comp1!ation, do it yourself 

·printable forms, outside tax preparation and assistance, Lifo lock identity theft protection, a Betkr World Club Express ;i 

]foad Service membership, everyday discount benefits solutions, as well as credit repair assistance through tllc Credit Pros. '~ternational, (sometimes collectively reten-ed to as the "'Membership Plan'') is entered into on the date shown below ,--· 

'.h~1w~~,i:iJ .hc: Financial Education Benefits Center ("FEBC') and the member shown below ("Member"). 

FEBC provides products and services related to consumers seeking to understand and improve their finances. F-EBG-:is~a 

· privateicompanj't not,affiljated with any.govemmentagency:and is no.t_~Ja:w. fln:h. It assists members understand matters 

affecting their finances through 1ndividual support and educationaf serv~ces and provides membership benefits as list~d 

below. In exchange for its fees for services as described herein, FEBC will pmvide the following products and continuous 

services as part of its Financial Education Benefits Center Program and Student Loan Financial Education. 

Client Information 

Client Full Name: Hollee w,arlitner 

Client Best Contact Phone Number: 

Client Best Mailing Address: 

Yotlr\Firti11cr~l- Ril1'i~afi~n Benefits Center :Pr~g~m &,Student Loan.Finan.ci;t,i 1;:~¥:,~?,p.ou Kit Summat)t: 

One on On~ FE.BC Program Consultation; we provide an explanation of what to expect from Ollf p1'oducts and services 

and how to access your benefits and program through our customized web portaL 

Access to The Financial Education Benefits Center Program Online Portal: you will stay regularly informed of 

srudent loan benefits available to you through our on line educational resource portal and access points. 

FEBC Personal Financial Budgetary Analysis: through our financial analysis and evaluation we help you create and 

follow a personal financial budget to assist you in getting on track and understanding your income and expenses and 

where you might need help, 

Access to Official Forms and Useful Documents: a library of important documents and forms at your fingertips, for use 

in your day to day transactional matters. 

Access to Dozens of Printable Legal Documents and Templates: lease agreements, bills of sale, house titles - and 

much much more. You'll receive access to our ever-growing docmnent arc1,ive that will become a valued resource for you 

when you need it. 

Resume and Cover Letter Documentation: several.professional resume and cover 1etter templates are at your disposal, 

helping you t-0 be even more competitive in the job market. 

Copywrited Three Part Student Loan Financial Education Kit How To Educational Book Series; explains the ins 

and outs of student loans and includes impo1tant appllcation instmctions, every student loan bylaw and techniques on how 

to properly manage your own student l9an simation yourself. A complete do-it yourself solution to handling student loans. 

Tools for Keeping a Budget: you will receive access to the pudgetary tools that cater most to your lifestyle and will help 

yot1 ro save money through leveragjng your income over your expenses. 

Stiner Attachment T - 25 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 26 of 46 
D,:icuSign Envelope ID: 

Access to Dozens of Educatkmal .& Useful \Veh Hnks: from legal doeumcnt databases to tax and mortgage c-alcu!ators. 

th is interactive forum v,ri f! a!!ow you to access usefuf resoui·ees that win h.::lp to simplify your life. 

Financial Caku!ators: provides financjaJ calculations pertaining to different finam::ial matters arising in ycmr life such as; 

taxes, insurance, credit card payments, and much more. 

Copywrited Three Part Student Loan Financial Education Kit How To Educationa] Book Series: explains the ins 

and outs of student loans and includes important application instructions, every student loan byiaw and techniques on how 

ID properly manage your own student loan situation yourself A cornptete do-it yourself solution tQ handling student loan~. 

E!ectronk Educational Student Loan Video Compilation: hours of how to videos teaching you the intricacies of 

fodcral student loans, budgeting for yourself and your family, .,,nd tips on how to properly save and invest your money. 

Do it Y-0urself PrintaMe Forms: Eve1ything you need Li'.l one .place, Our fom1s are categorized as Busfoess and Personal 

finance (statement templates/calcuiators), Employ1nent, Government Contracting (RFQs, NDA v~mplates), L ease 

Agreeri1ent tempiates, Si11all Business, State Tax Forms, aud Sludent Loans :frmns for your use. 

The Membership Plan also includes the following services and/or memberships from thu-d parties: 

Tax Prepai·ation Services: FEBC will pay a third pa1iy company to prepare and file one or ail ofihc foliowing tax 

documents foi• you, individually: ( l) individual tax return; (2) Schedule C; (3) Schedule D; ( 4) k- f; and (5) one extension. 

Life Lock identity Theft Pn:>tection: receive 1dentity threat detection alerts. lost walfet protection and less j unk mail by 

utilizing this valuable service. 

Bi~~~~)bf.~if~~\f. s;i~ne of .the narion's most prominem roadside assistance providers, Bert.er 

World Club connects it members with over 40,000 service providers nationwide and provides essential roadside assistance 

services such as towing, battery jumpstart, flat tire change. lockout service, fud ddivcry. and winchfog, along with 

, offering thousands of additional discounts for hotels, car rtntals,. and more . .. • • £ ..... ,.,,...:. ·• 

i7f Cf~~- :-~~~i~t~wt:!ro.$;filnter:n,ifn6i,ml;;.cach active Member \.Vlll be entitled to a discounted 

· ' 011e-on-one credit audit and consultationfi:ee of charge to assess your credit repair needs as well as receive a deep, 65% 

discount for monthly services, Ibis is a huge value fora!! your crcditrepai.r needs. You will have direct access to our third 

party affiliate company, The Credi1 Pros lnremationa!, to help you in achieving the highest credit rating possible. 

FEBC Everyday Discount Benefits Solutions, you will receive access to a wide variety of discount and savings pl.ans 

that you can use to save money on your nonnal day to day purchases. These benefits indude medical and ~ve1lne1::s 

discounts, food and grocery savings, entertaimnent discounts, twenty four hour Telemedicine through AmeriDcc, and 

many more opportunities to keep more money in your pocket each month. 

Authorization Fees fo.r Membership Pian & .Refund Poli~y. Subject to the Tenm. and Conditions of this Agreement 

and the descr:iption above, the purchaser of the Financial Education Benefits-Center Prob'Tam and Srudenr Loan fina:ncia! 

Education Kit (the '·Member") rreteh:~~~~i.®Tic'Jafif.i&ii£ff6n:Ben_e_fjts,;Ce~rJ9Jl~~iti,, .,:f~e4;:a1=~ou.r,rfiiste'<-d 

.·~e-J?J.Y.}l¥~eti-:me:enmibnen:t.-tee~.Sfoffi'O~t1re~em-bei:s.hip,;p!aitmni.,fot~t~'Jl~~fot;.fue :fi~ ''''"i.itif42i,ro,on~"e.'f·· 

·a0t-'.<i;S.fi:-.~ ;:lt!(c:w~b,ei:sb*,plan:be11efits-is:.sf;+88~-00:·'f-hereafter;-1tf.embe:rc;;wJ.lLco11tinue . .tah'&iaJ1,.w-a.tic:a:Il;fchar.g~-0;9?.00 

· anth,ireenewat,f-ee,unt:ilsUt"JHitm;,as. Member-te1:minates rhe membership plan or -ur-1less }J,EBC 

p1:, ··~. •· e.r+:at:tlie~dre.ss 1is.te.a..9n:.rhe,accoiltpanymg<credi:t oard/A0B.:~ut.b9rizatio.n that :i:t;;;i.s 

t;ha:rrging1-Jhe:moatbiy~μes-~,The enrollment fee and ail n1en1bership dues are subject to appiicable state sales tax and 

monthly dues may be incrca,;;ed upon thirty (30) days written notice to member at the address lisred below ( or as. larer 

amended by Member) after the first year.~i;~N(~'ish1¥:J!lair'Sh~tH,e:autent1iticiHy.·renev1ed'tiii"a'nionth·to'.moofnfi,· 

"1 ,, ,.fa~~liliitif~tmfc-'elreoJ,ytke~Mem he'.. .. :~' esi~:l-OS:eati~e.~wJJ~!'J!1~~~~et1iP4'~M~qe:r, l!1μ.;;F,~,Q},'i9&;,wf~~n 

;¥ ii~fo~0¥ Q<!iJ);f~~G.~JJatim.1: ~ID,!~J:i : .. :J~~J.:J:Qbh'Asia~/:LQ?.Y.S P!"49:t;-tQ~l~F: }1~Xts~e<Itit~4, fii-afj; datci,~ ,£lsi 11embe.r 

: wiU.-.®i$h~mgeG'.!zn':a<i.diti.{1:na:Lmonth~s:n.remher:Ship,pa.ymeat/Jf a payment is declined by Member's bank or dedicated 

account provider, Financial Education Benefits Center may attempt to again process this payment ar a late.r date, rypicaUy 

3f within 72 hours. No products will be shipped or services provided until payment is confirmed. Member fully uru:lcrstands 

Q that Member is purchasing a Financial Education Benefits Center Student Loan Financial Education Kil .and enrolling into 

~ the Financial. Education Benefits Ceorer Program through Financial Education Benefits Center. The program i nclu<les 

,£S monthly 1nembe;·ship programs offered and provided exclusiveiy by outside companies including, but not limite.d to, 

;J outside tax preparation services, Life Lock identity theft protection. Better World Club Express Road Service 

N membership, FEBC everyday discount benefits solutions, and The Credit Pros International. FEBC has the rig.hr to 

U substitute the primary product(s) with an alternative product(s) of equal value, Ali transactions will appear on Mem~r'.s 

~. bank statcincn.t(s) a'> ''FEBC.»: . emt~i:i ,;ia;tcf19~i:Ge~~a#§f.~~\f'f.1ut~~"!JJ-;,r,μ~,,-ijG, 

'--- b~t~thg..§~:t&l.1,e!],lt1:~fS'Wbare£!:u "i . Thereafter members may also 

; re.quest a refundfrom. the date of purchase. However, \It:~~, . . l.tfltm~~'.ft& ~ rmi_~~' 

ireib~nao~6fiiri'cf atho'mvt. if Member has any questions about Member's payment or wishes to te1m1nate "this ·• . 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 27 of 46 
DocuSign Envelope ID: 

agreement.. Member may contact Financi?J Education B<;:nefits Center directly at 1-800-953- 1388 cxtL:nsion 0, or 5880 

Commerce Blvd Suite I 05, Rohnert Park, CA 94928. 

Terms and. Conditions of Agreement• 

Aside from its personal one on one consultation, FEBC provides an online ponal to give visitors a general understanding 

of r.hc !aw, :financial/budgetary matters, resume boilding, and official and legal fonns and to provide an automated 

software solut ion to individuals i.Vho choose to prepare their own Jegal/fi.naru:ial!business-related documents. The portal 

and other included services referenced above include general informatiou on common ly encountered legal, financial and 

business issues. FEBC and its Services are not subs.titutes for the advice of attomeys and frnanciai/tax professionals. The 

membership plan also includes outside tax preparation services, Life Lock identity theft protection, Better World Chib 

Express Road Service membership, and FEBC everyday discnum benefits solutions, and The Credit Pros fnternatjonal 

("Separate Services''). The provisions of the Separate Se1vices are the respons.ibility of those respective companies. 

F'EBC strives to keep it!:; legal/business documents accurate, current and up-to-date. However. because the law changes 

rapidly, FEBC cannot guarantee that all of the infom,ation on the portal is completely current. The law is different from 

jurisdiction to jurisdiction, and may be subject to interpretation by different courts. The law is a personal matter, and no 

general information or legal tool like the kind FEBC provides can fit every circumstance. Furthermore, the legal 

info1mation contained on the poital is not legal advice and is not guaranteed to be conect. complete or up to date. 

Therefore, if you need legal advice for your specific problem, or if your spcci fie problem is too complex to be addressed. 

by our tools, you should consult a licensed attorney in your area. Similarly, if you need specific financial advice 

concerning taxes, insurance, mortgages, etc. you need to obrni11 the advice of professionals in such maltcrs . 

L Privacy Policy. FEBC respects your privacy and permits you to control the treatment of your personal information. A 

complete statement of FEBC's currc.nt Privacy Policy is contemporaneously being provided to you and i~ expressly 

incorporated into this Agreement by reference. 

2. Ownership. The portal is owned and operated by FEBC. All Light, title and inte1'est in and to the m.aterials provided on 

portal, including but not limited to information, documents, logos, graphics) sounds and images (the "Materials") are 

owned either by FEBC or by FEBC' s ·respective third party authors, developers or vendors ("Third Party Providers"). 

Except as otherwise expressly provided by FEBC-none of the Materials may be copied, reproduced, republished. 

downloaded, uploaded, posted, displayed, transmitted or distributed in any way and nothing on the portal shall be 

construed to confer any license under any ofFEBC's iritel!ectual property rights, whether by estoppe1, implicatim1 or 

otherwise. FEBC does not sell. license, lease or other.vise provide any of the Materials orher than those specifically 

identified as being provided by FEBC. Any rights not expressly .granted herein are reserved by FEBC. Any reference to 

the products and services of third party vendors such as outside tax preparation services, Life Lock identity theft 

protection, Better World Club Express Road Service membership, and FEBC everyday discount benefits solutio11s, and 

The Credit Pros lntemutional does not belong to FEBC. FEBC has limited rights to sell such services. 

3. Limited .Permission to Download. FEBC hereby grant:. you permission to download, view, copy and print the Materials 

on any single. stand-alone computer solely for your personal, infonnational, non-commercial use provided that (i) where 

provided, the copyright and trademark notices appcai·ing on any Materials not be altered or removed, (ii) the Materials are 

not used on any other website or in a networked computer environment and (iii) the Materials are not modified 1n any way, 

except for authorized editing -0f downloadable forms for personal use. This permissfon terminates automatically without 

notice if you breach any of the terms or conditions of this Agreement. On any such termination, you agree to immediately 

destroy any downloaded 01· printed Materials. Any unauthorized use of any Materials contained on the portal may violate 

copyright laws., trademark laws, laws of privacy and. publicity and commtmications regulations and statutes. 

4. Links to Third Par:ty Sites. This Site and Applications may contain links to websites contrnlled by patties other than 

FEBC (each a ''Th ird Party Site"). FEBC works with a number of partners and affiliates whose sites arc linked with FEBC. 

FEBC may aiso provide links to other dtatiQns or resources with whom it is not affiliated. FEBC is not responsible for and 

does not endorse 01· accept any responsibility for the availability, contents, products, services or use of any Third Party Site, 

any website accessea. from a Third Party Site or any changes or updates to such sites. FEBC .makes no· guarantees about the 

content or quality of.the products or services provided by such sites and companies that operate them. FEBC is providing 

these links to you only as a convenience, and the inclusion of any link does not imply endorsement by FEBC of the Third 

Party Site, nor does it imply that FEBC sponsors, is affiliated or asso.ciatcd with, guarantees, or is legally authorized to use 

any trade name. registered trademark, logo, legal or official seal, or copyrighted symbol that may be refle.cted in the links. 

1 in these Tem1s and Conditions of Agreement, the words "you'· and ··your" refer to each ~a~ ~ J-~9, "us"'. 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 28 of 46 
DocuSign Envelope iD: 

You acknowledge that you bear ail risk..;; as~ociated ,vith acces:s l() and use of co11tcnt provided on a Third Pany Si.tc and 

agree that FEBC is not responsible for any ioss or damE\ge of any sort you may incur from dealing with a third party. You 

should conract the site administrator for rhe applicable Third Party Site if you have any concerns regarding such Hnks or the 

contcnl located on any such Third Party Site. 

5. Use of cur Legai Forms. On our portal and through certa.in partners, we offer se!t:.help "Fili in the blank" forms. You 

understand that your purchase of these services, downloading, and/or- using form documents is neither !egai advice nor 

the practice of law, and that each form and any applicable instructions or guidance is not customized to yow· particular 

needs. 

License to Use. 

FEBC grants yoa a limited, personal,non.-exc!usive, non-transferable Jicense rouse our forms (the "fom1s") :for your own 

personaL rntemal business use. or if you are an ,attorney or professional, for your client. Except as otherwise provided. you 

acknowledge and agree that you have .no .right to modify, edir, copy, reproduce, create derivati vc works of, reverse 

engineer, alter, enhance or in any way expioit any of the Forms in any ma.rme;, except for mo<lifications in filling out the 

Forms for your authorized use. You shall not remove any copyright notice from any Form. 

Resafa of Forms Prohibited. 

By downloading Fom1s, you agree that the Fann$- may only be us;:;d by you for your personal or business use or used by 

you in connection with you or your diem and may not be sold or redistributed without the express written consent of 

FEBC. 

6. Use of Third Party Services. Your membership p!an inclt1d<;s monthly mernb~rships and services with third party 

companies who ii.re responsibie for providing. their services under their own plans. You understand that if you have any 

issues with rhei:r services, such matters should be addressed direcrly with the company responsible for the provision of 

such services. 

,.-;, ?., DISPUTE RESOLUTION BY BINDING ARBITRATION. 

~/' 

'f:g" ,In~~wiiif}ift3ii,~6mmu,,Bjg!;ts, --Mandaton,Axhit~tion,Reqrur.ement - Please read carefully: In rhe 

- event of.any controversy, daim or dlspirte-between thepii-tfis arising oiifofor'·r~fating to this agreement or the 

breach, tem1ination, enforcement. interpretation, cons~io_l).ability or validity thereof. including any determination of the 

scope or applicability of this agreement to arbitrate, shll1:Afi:i:iteri.ninaj,i:J.y.,.~rpjtr~tfo~'ii~ooom'211t?-m.ney:~ California 

or in the county in ·which the consumer resides, in accordance with the Laws of the State of Califo.rufa for 

agreements ~I? _I)~ made in and to be performed in California. Tii~tp}i~~~eeimat-j:he arbitratimi•sl,,a!Fbe 

Mfo'fui~tered--b!/ ili-,;;e,~kme1:rcari'Nrbitration Asso6atiorr"(''AAA"f pursuant to its rules and procedures and an arbitrator shall 

be selected by the AAA. The aroitrator shali be neutral and independent and shall comply with the AAA code of ethics. 

The award r~ndered by the arbitrator shall b~ final and shaH not be subject to vacation or modificaiion. Judgment on the 

award made by the arbitr,ator maybe entered in any court havingju1isd1ction over the parties. Tf either party fails to 

comply with the arbitrafor's award, the injured party may petition the c.ircuit court for enforcement. The parries agree 

that either p~rty may bring daims against the other only in his/her or its individual capacity and not as a pfafotiff 

or das.s member in any purported class or representative proceeding. Further. the parties agree that the arbitrator may 

not consolidate protccd.ings of more than one person's claims., and may not otherwise preside over any fonn of 

representative or class proceeding. The patties shali share the cost (not attorneys' fees) of arbitration equally. In the event 

a party fails to proceed with arbitration, unsuccessfully c11atlengcs t11c arbitrator's award, or faiis to comply with the 

arbitrator's award, the other pal'ty is entitled to costs of suit, including a r.:'.asonabl.e attorney's fee for having to compel 

arbitmrion or defend or enforce the award. Binding Arbitration me~ns that both parries give up the right to a trial by a 

jury. It also means that both parties give up the right to appeal from the arbitrator"s ruling except for a narrow range of 

issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This ~ection 

and rhe arbitration requirement shall survive any tem1ination. OPT-Ou"T PROCESS: You may choo:;c to opt-out of this 

Arbitration Provision but only by following the process set-forth belo\v. If you do not wish to be subject to this Mbitrntion 

Provision, then you must notify us in writing within thirty ( 30) caiendar days of the date of this Agreement at the 

following address: FEBC, Attn: Customer Service, 5880 Commerce Blvd 105 Rohncri Park, CA 94928. Your written 

notice must include your name, address, the date of this ;.._greemem, and a signed statement that you wish to opt out of the 

Arbitration Provision. If you choose to oot out. then. your choice wili apply only to this Agreemo::m. 

· · Stiner Attachment T - 28 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 29 of 46 
DocuSign Envelope ID: 

S. NO WARRANTY. THE ONE-ON ONE CONSULT A TlONS, THE PORT AL, APPLICATIONS, AND ALL 

MA TERfALS, DOCUMENTS OR FORMS PROVIDED ON OR THROUGH YOUR USE OF THE PORTAL ARE 

PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMfTTED BY LAW. 

FEBC EXPRESSLY DISCLAIMS ALL WARRANTIES OF i\ .. NY KIND, WHETHER EXPRESS OR TMPUED, 

INCLUDING BUT NOT UMITED TO 11\fPLJED WARRANTIES OF MERCHANTAB1UTY, FITNESS FOR A 

PARTICULAR PURPOSE, TITLE AND NON-INFRINGEl'vfENT CONCERNING ALL MEMBERS.HIP BENEFITS 

FOUND WTTHIN THE PORT.Al AND THOSE SEPARATE SERVTCES OUTSIDE OF THE PORTAL. INCLUDING. 

BUT NOT LIMITED TO, OUTSIDE TAX PREPARATION SERVICE, LIFELOCK MEtvIBERSHIPS, BETTER 

WORLD CLUB ROAD SERVICE MEMBERSHrPS. CREDIT REPAIR ASSISTANCE FROM THE CREDIT PROS 

INTERN A TJONAL AND FEBC EVERYDAY DfSCOUNT BENEFITS SOLUTfONS. 

FEBC MAKES NO WARRANTY THAT: (A) THE PORTAL. APPLTCATtONS, THE MATERlALS, OR THE 

SEPARATE SERVICES WfLL MEET YOUR REQUIREMENTS; (B)THE PORTAL1 APPLICATIONS, THE 

MA TER[ALS, OR THE SEP ARA TE SERVICES WlLL BE AVATLABLE ON AN {JNfNTERRUPTED, TTMEl. Y, 

SECURE OR ERROR-FREE BASiS; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE 

PORT AL, APP LI CA T10NS, OR Al\f'{ MATERIALS OFFERED THROUGH THE .PORTAL OR APPLJCA TIONS, 

WfLL BE A CCU RA TE OR REUABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORlvf A TfON 

OR OTHER MATERIAL PURCHASED OROBTAfNED BY YOU THROUGH THE PORTAL, APPLICATIONS. 

THE MATERIALS. OR THE SEP ARA TE SERVTCES OR TN RELTANCE ON THE MATERiALS WlLL MEET YOUR 

EXPBCTA TIONS. 

OBTAlNING ANY MATERfALS THROUGH THE USE OF THE PORTAL IS DONE AT YOUR OWN DISCRETION 

AND AT YOUR O\VN' RTSK. FEBC SHALL HA VE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR 

COMPUTER SYST.tM OR LOSS OF DA TA THAT RESULTS FROM THE DOWNl.OAD OF ANY CONTENT, 

MATERIALS, INFORMATTON ORSOFTWA..RE. 

NOTWITHSTANDlNG THE ABOVE, FEBC OFFERS A 30 DAY SATISFACTION GUARANTEE. 

9. Lll\-HTATfON OF LJABIUTY AND INDEMNIFICA TTON. EXCEPT A.S PROHIBITED BYLAW. YOU WILL 

HOLD FEBC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HAR.\tlLESS FOR .ANY 

INDIRECT, PUNITIVE, SPEC1AL, 1NCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER TT ARISES 

(JNCLUDTNG ATTORNEYS' FEES AND ALL REL\ TED COSTS AND EXPENSES OF U TTGA TION AND 

ARBITRATlON, OR AT TRlAL OR ON APPEAL, IF ANY. WHETHER OR NOT LITIGATION OR ARBITRATION 

tS INSTITUTED}, WHETHER TN AN ACT[ON OF CONTRACT, NEGLJGENCE_, OR OTHER TORTTOUS ACTION, 

OR .AR.TSING OUT Of OR IN CONNECTION WTTH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION 

ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARTSING FROM TRfS AGREEMENT AND 

ArrY VIOLA TTON BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR 

REGULATIONS, EVEN 1F FEBC HAS BEEN .PREVJOUSL Y ADVISED OF THE POSSTBTLITY OF SUCH 

DAMAGE. EXCEPT AS PROHIBITED BYLAW, lF THERE JS LIABILITY FOlJND ON THE PART OF FEBC, IT 

\h/TLL BE LIM.ITED TO THE A.MOUNT PAID FOR THE PRODUCTS AND/OR SERVICES. AND UNDER NO 

ClRCUMSTANCES. WILL THERE BE CONSEQUENTIAL OR PUNlTlVE DAMAGES. SOME STATES DO NOT 

ALLOW THE EXCLUSION OR UMTTATIONOF PUNITNE, fNClDENTAL ORCONSEQUENTTAl. DAMAGES, 

SO THE PRlOR LIM.IT A TION OR EXCLUSION MAY NOT APPLY TO YOU. 

10. Compliance with Intellectual Property Laws. When accessing FEBC or using the FEBC portal as part of the 

Financial Education Benefits Center Program and Student Loan Financial Education Kit, you agree to obey the law and 

you agree to respect the intellectual property right~ of others. Your use of the Service .and the Site is at all times governed 

by and subjccr to laws regarding copyrigbr, trademark and other intellectual property ownership. You agree not to upload, 

down load. dispiay, perform, transmit or otherwise distribute any information or content in violation of any third party's 

copyrights, trademarks or other intcUectual property or proprietary rights. You agree to abide by laws regarding copyright 

ovmership and use of intellectual property, and you shall be s0lely responsible for any violations of any relevant laws and 

for any infringements of third party rights caused by any content you provide or transmit or that is. provided or transmitted 

using your FEBC user account. 

J 1. Entire Agreemen_ .. . . *11,rj}itm:~~~WTM-em.b~E~Q~~wlea'ge'i~th~tl:lieis-heinffif~rtd;"urrdetstmids. arid1agre-ettd:everff , do"venant,andi~iorfk)'f':tll#n.~~-eerirent~d}1hat.'lJe/she has received a true and complete copy 

hereof, effective on the date below. This agreement is the only agreement between ~he parties and there is no other 

collatcra_l agre_e11:ent ( oral or ,~ritten) betw~cn t~e parties in any mao~er .relat~~ to Stirl~f j~ffil;~ffin~~1!f ::ig~mcnt. If 

any portion of this agreement ts held to be invalid or unenforceable, the remammg prov1s1ons w1fl remam m effect. The 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 30 of 46 
DocuSigr, Envelope !D 

parties mumaliy understand and agree thata facsimi.te copy signature ur an e lectronic signai.Llre on this agreement shali be 

deemed an original for an lawfulty enforceable pW})eses. 

· hfil;:r.na:;.c~ctlJ his co~!MJhin thirty(30) days ofsigning and receive a foH refund for 

cts ahffsen1;ces:, . . . . ':; Tp~:~ifter;;lvi'em.9~_n1,iy)tls ::rcquesta refond from tbe date of purchase. ffowevei:, 

FEBC reserves th:e right to defern:i-ine a reasonable refund a11iount. 

Terms of Agreement for Payment: 

Financiai Education Benefits Center, located at 5880 Commerce Blvd Suite [05, Rohnert Park, CA 94928, is authorized 

to deduct a scheduled payment from Member's chosen dedicated accoun! as specified below. fo the: event that Member's 

drafl is retumed tm_paid for any reason, Member agrees to pay aH past due balances immediately and the CU!Tent month's. 

payment amount. The date of the draft is listed above, we' c:r if the draft date falls on a weekend or bank holiday, the 

debit transaction will take p lace on the next business day . The company has the right to substitute the prima1y product(s) 

with an alternative product.(s.) of equal val1⁄2e, This authority will r_em~in in effect until F inanciai Education Bcndits 

Center i::. notified by Member in writing by either email to; support@fohcp.com or by fax to l-866-936-0795 at least ten 

(10) business days prior to the next scheduled draft date. For questions regarding your payment. you rnay also contact us 

directly at 1-800-953-1388 extension 0. No other forms of canceHation by Member \.viU be honored. The reversal of funds 

from a Member's account that was drafted in error cannot be made until seven business days from the drafr date. The 

Member agrees to waive al l rights of reversal or refi1sal of any payment on any draft that Fi11.anciai Education Benefits 

Center may make against the dedicated accow1t <luting the time l\Jcmbcr is actively enrolled. The Mc1nbcr agrees with all 

of the provisions and conditions outlined herein. TI1e Member n.uther agrees to ho]d Financial Education Benefits Center, 

its directors, employees. of.ficers, and its agents harmless from any damages that may occur or arise from and within the 

entirely of this agreement. Financial Education Benefits Center will not be responsible for any fees your financial 

institution may assess should a draft be renu11ed for insufficient funds. 

Financial Education Benefits Center .l'vfonthly Prngram Enrollment Payment Snmma.ry Information 

___ ..AJ1other account of l'vkmbcr·s choosing 

ACKNOWLEDGJ\r1ENT 

As indicated by my signature below, T acknowledge that I have read.. understand and agree ro the terms and conditions of 

the F inancial Education Benefits Center Program and Student Loan Financial Education Kit (lhe ·'Membership Plan''), 

including the Terms of Agreement for Payment. 

For: Financial Education Benefit& Center C'FEBC"1 

By: J~ Mwl"W~ 

Title: Administrativ e Representative 

Social Security Number 

Stiner Attachment T - 30 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 31 of 46 
DocuSign Envelope ID: 

Date: 

Name & Address: Hallee warlitner 

To whom this may concern, 

To the best of my knowledge~ my current annual gross income for this year 

wm be$ _ ____ _____ _ 

Thank you, 

Signed: _ _ ___________ --'-_ 

Print: Hall ee ,varlitner 

SSN: -----

Stiner Attachment T - 31 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 32 of 46 
ocuSign Envelope ID: 

NOTICE OF CA.NCELLATION 

You may cancel this transaction. without an~· penalty or obligation whatsoever. within three business days or 

the day in which you enroll for this sen·ice. 

If you c.ancel, all payments or other consideration which may hav.e already been made by you will be returned 

within ten business days following receipt by the telephone solicitor of your cancellation notice. 

ltfyou cancel, you must return the goods to the telephone solicitor at the address listed below and at the 

telephone solicitor's l'isk and expense l'ithin twenty days of the date you receive. back from the telephone 

solicitor the payments or consideration you ha\'e already made. 

To cancel this transaction, deposit in the mail or deliver a signed and dated copy of this cancellation notice or 

any other written notice to Financ:ial Education Benefits Center at 

Financial Education Benefits Center 

c/o Customer Service Department 

5880 Commerce Blvd Ste. 105 

Rohnert Park, CA 94928 

Not later than midnight of the third business day after which you received this notice. 

I hereby cancel this transaction. 

(Client's signature) 

(Print Name) 

(Date) 

Stiner Attachment T - 32 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 33 of 46 
ccuSign Enve'ope IC. 

AmeriTech Financial 

Document P!"eparation 2nd Service Agreement 

This Service Agrccmem is cnt.:rcd into on rhc date shown below bct\vccn thl! AmeriT l!Ch Financial (''AF") and the Client 

shown below ("Clie1if'). 

At.-provides H[gc~sing~ffi!d support..§..~zyiccs to ~sist:cons:i,y;ncrs who.are applying.for Federal Student Loan Consoli~tior.t 

S~o_;ices. ~n..alor,_ ~~erreii?.yment,pl_~.P.rogran1~;;?-Yailabl~. fqnmgh d1e,Oepa,r1,mcgt p.Q~ijucation (·~DOE")-: ... Af,: ~-~:a pri:vlite 

dfmpany;·nor .. affi liated'with:'811y g~vi.fnmerlt agency ~rid, :f~r a.· fee, "".ilf assist .in assembly and submissiQ!l of sluaefaloan 

consoJidation,-and/br other repayment plan program documents. AF is-not -a lender or a debt consotidation-company. It does 

n:ot'promise to improve y-0m- crediHoore. 

Client requests A f co. perfonn. in good faith, the fol lowing seryices. ("the Services··): (a) Review the Client's cuncnt Federal 

Student Loan debt situation. (b) Identify potential Student Loan Consolidation. and/or other repayment plan options that 

may be available to Clic!nt from the DOE. {c) D1scuss potential oprions with the Client. and (d) Prepare and process, on the 

Client's behalf: a Federal Student Loan Consolidation Application, and/or other repayment plan program applicarion with 

the DOE after Client .selects desired option. 

Now therefore in consideration of rhe foregoing and every term, covenant and condirion hereafter set forth _ AF and Ciienr 

do hereby undeiStand, covenant and agree to the following: 

1. Provide Complete and Truthful Information. AF will provide Client with an overview :sessiou limited co his/her 

Federal Srudem Loan debts to assist the Client in locating options that may be available to Client. Clienl exprl:!SSly represents 

and warrants rhar he/she/they will at all times provide AF with. information that is complete. accurate and rmc co the best of 

their knowledge and belief. 

2. Performance of Services. Upon receipt of all information from Client, AF shall promptly analyze Client's Federal 

Studenr Loan debt situation, review the info1mation provided by the Client and complete rhe application forms required for 

the DOE program(s) that have been selected by the Client Upon completion or AF's review and due diligence, AF sh.a!! 

prepare for filing with Client's lender au applicati.ou to initiate a Federal Student Loan Consolidation. and/or other 

repayment plan available to Client through the DOE on behalf of Client. Where appropriate, AF wiil assist in applying for 

pre-consolidation forbearance, applying for loan consolidations, submitting post-consolidation documenr.,;,, applying for 

income-based repayment programs and reapplying for incoml!-based repayment programs. 

:,4!>,-:JJl~ffoi-..Se~~es: The1'rost-0f the;piogram1:or a~e;lient em;ollin:g .is*}J).06.00whith is comp•f'ise<l of$200.00 as_afie for 

o~g a tprj)eara~qe and $800.~-after obtaining approval of a Fed<'!ral Student Loan Consolidation ... or c.ny other 

Department of Educacion repayment plan option on Cliem's behalf. Suci1 fees shall-be .chai"ged to the Clieill's·chosen 

dedicated accotmt as ·specffied ··belm•/·upoif <:mn:ptetion of the respective :worlc Thei·eatler .. AF wi 11 reach out annually to 

assist borrower with any additional smdent loan repayment plan need,; at a cost determined and payable ar the time sen-ices 

are provided. 

4.J)oi?ume.nt.~-~f}Q.Ce -~mentan~~nnthlrCost Authoriza·tiont,'.f<-i1 ~ill use a th.ird party pa.yrnent: prbeessorto''debit 

Cfi~ffer feesip'ayments:andClie11nhaH·pay-a!l.processing-fees associa.ted.witb stic.h. Client herby authorizes AF to deduct 

a!i payments due per this contract from the financial institution listed in the accompanying Credit Card1ACH Aut.hori:7.a,ion 

or such other financial institution that may be used by Client from time to time. Further, Client authorizes their financial 

institution to accept and to charge any debit entries initiated by AmeriTech Financial to Client's account. Tfrisauthor-hetion 

fo( automatic \vithdrawal offees/payrriehts ino''remain in fu1i force and·effect until AF has received 1,vritten notice··rrom 

C!ienr of its termination ill_, su_ch time·-and such manner as•io.c afford AF a reasonable opportunity to act. A tee/payment 

(whether paid by debit or other means) tbar is not honored by Clienfs financial institution for any reason may be subject to 

a $20.00 s-ervice fee imposed by AF (unless othervvise limited or prohibited by state law), the amount of which may be 

debited from Client's account. 

5. Process. Once paperwork has bl!en received, processing wili begin. AF will always act promptly on Client's documents 

and program. Be advised that Federal Student Loan Consolidations. and other repayment plans completed by AP rely on 

the rc!cvaut lenders for prompt S(!t-vice and AF cannot be held liable for delayed complcrion. Average completion of a 

federal Student Loan Consolidation through the DOE is usually ninety (90) days. but may rake longer. AF solely prepares 

and provides documcnrs./appiications for Client's review and approval before it submits such documcnrs to the DOE. AF 

does not control the DOE applica~ion review process. Stiner Attachment T - 33 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 34 of 46 
DocuSign Envelope ID: 

6. lndemni1kation and Hoid HarmJess. Client hereby agrees to defend and hold harmless AF from and again:;t any claims 

and liability of any nature whatsoever a1ising out of or in :onnection with Client's failure to timely provide requested 

information to AF, Client's lack of authority or ability to coniplete terms of this Agreement. and aH other claims ari!'-ing out 

of this /\.greemrnl or rc.lating to Client's loans and other financial obligations. This Agreement constitmc~ tbe entire 

agreement between the parties. AF rnakes no warranty, express or implied, as to the fitness of any recommendation it may 

make to Client arising out of this Agreement. Except for cause, Client unconditionally waives any right of action against 

AF, its officers, directors, employees, agents, brokers and assignees, at Jaw, equity or any other cause of action for any 

reasou, _directly, indirectly or proximately believed to arise out of this Agreement, for any damages of any nature whatsoev.er 

that Client may incur by reason of Client following any recommendation of AF or Client's f~ilure to follow any 

recommendation of AF, whether any singular, concurrent or series of recommendations are acted upon or l'lO.t acted upon iri 

whok or in part by C lieot. This section shall survive any termination of this Agreement. 

7. lmp~fta~I:ttirutan6"BOll, Consumer Rights,~::Mandittlrv=~\;~~tiij~Jili~~~ir.~:Ulimt - Please read carefully: In the 

event of any controversy;~'claim ·0F:a1~p"tite -b~tween the parties arising out of or relating to this agreement or the 

breach, tennination, enforcement, interpretation, consionability or validity thereof, including any detennination of the scope 

or applicabil.ity of this agreement to arbitrate, shall be determined by arbitration in Sonoma County, California or in 

the county in which the consumer reside~, in accordance with the Laws of the State of California for agreements to. 

be made in and to be perforr.ued in California. The parties agree that the arbitration shall be administered by the American 

Arbitration Association {" AAA") pursuant to its tules and procedures and an arbitrator shall be selected by the AAA. The 

arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the 

arbitrator shall be final and ~hall not be subject to vacation or modification. Judgment on the award made by Lhc arbitrator 

may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's awa-rd, 

the injured party may petition the circuit comi for enforcement. The parties ag1·ee that either party may bring claims 

against the other only in his/her or its ii:idividuai capacit) and not as a plaintiff or class member in any purported 

class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proeeedings of more 

than one person's claims, and may not othcnvise preside over any fom1 of representative or class proceeding. The parties 

shall share the cost (not attorneys' fees) of arbitration equally. In the e.vent a party fails to proceed with arbitration, 

unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to 

costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding 

Arb.itration means that both parties give up the right t.o a tri:ai by a jury. It also means that both parties give up the 

right to appeal from the ar.bitrator's ruling except for a narrow range of issues that can or may be appealed. It also means 

tl1at discovery may be severely limire<l by the arbitrator. This section and the arhitralion requirement shall survive any 

termination. OPT~OUT PROCESS: You may choose to opt-our of this Arbitration Provis.ion but only by following the 

process set-forth below. If you do not wi~h to be subject to this Arbitration Provision, then you must notify us in ,,.,-vriting 

within thirty (30) calendar day8 of the date of this Agreemen1 at the following address: AF, Attn: Cust0mer Serv.ice, 1101. 

Investment Blvd Suite 290, El Dorado Hills, CA 95762. Your written notice must include your name, address, the date of 

this Agreement, and a signed statement that you wish to opt out of the Arb'itration Provision. If you choose to opt out then 

your choice will apply only to this Agreement. 

8. Entire Agreement. By virtue of Client's signature below, O ient acknowiedges rhat he/she has read, understands and 

agrees to every renn, covenant and condition of this Agreement and that he/she has received a true and complete copy 

hereof, effecrive on the date below. This agreement is the only agreernent between the parties and there is no other collateral 

agreement ( oral or written) between tbc parties in any manner relating to the subject matter of this agreement. If any portion 

of this agreement is held to be invalid or unenforceable, the remaining provrsions wiH remain in effect. The μat1ies nmtualiy 

understand and agree that a facsimile copy signature or an electronic signatw·e on this agreement shall be deemed an original 

for all lawfuHy enforceable purposes. 

9. Cancellation Policy. Cl.ient may cancel t'his contract at any time prior to being approved for a f ederal Student Loan 

Consolidation, or any other Department of Education repayment plan option achieved on Client's behalf 

10. Limitations on Damages. AF's liability under this agreement and/or relating directly or indirectly to Client's 

participation in the Student Loan Consolidation Program, under any theory ofliability regarding any claim by the Client is 

limited to the amount of fees paid by Client to AF. The Parties agree to be contract~y bound to such limitation on any 

damages, and agree not to demand or attempt to recovet any amount in excess of such. This section shall survive tennination. 

11. information Authorization: Client hereby authorizes .AF to verify Client's past and present empJoyment earnings 

records for income verification purposes that are needed to process .Client's Federal Student Loan Consolidation, and/or 

other repaymem plru1 program available to Client. The information AF obtains is only to be used in the processing of Client's 

application for a Federal Student Loan Consolidation or any other repayment plan fS<ttffi!l1 ~~liefiffi~Rf>F-_a1J4AF does 

not provide any form of cTedit repair, credit score enhancement, or debt relief 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 35 of 46 
DocuSign Enve!cpa JD 

12. Legal Authorization Form: This form wit! serve to acknmviedge that Client has amhorized AF £0 act on Client's 

behalf to appiy for consolidation of Cfient's Federai Student Loans, and/or other repaynient plan, programs available to 

Client. Client has beeh advised that ifapprovc<l for the Federal Student Loan Consolidation, and/or other repayment plan 

program .• Client wiH receive a sixty (60) day 11.trlough before payments will start. If Cfient has any questions regarding this 

Federal Student Loan Consolidation Program. C1ient should contact AmeriTech Financ.ial at 1-800-792~8621. 

13. important Di~cfosures about the Amei·iTech Financial Services. Client may choose to complete his/her own 

consolidation documents based on the applicable federal student loan programs and is not obligated to use a third party 

resource such as AF or pay a service fee. Pi ease note that .AF does not expressly or impliedly warranty, n:,'J)resent or guarancee 

that it will be able to reduce Client's total student loan debt or monthly payments . 

., ·.Fairoh:.itt~Hnak.e,tiu)ely paymen.ts~•or ,n-13.:-:p~11.ment ro •Ciiem:'-s:cre.ditors will adversely affect -the 

credit~fandirig, coiiectfon efforts, and may incur mm:e foes an.d.inrerest. ,5 

Q If Client utilizes a Dedicated Account to save ttmds towards program ·fe;;s, Client owns th.; fl.lnds 

in the account; Chem may witbdraw from A.F's Rcrvice at any time without penalty; and if Client 

withdraws from AF's service., he or sbe will get all the money in the account other than fees earned 

.in compliance with the TSR. 

14. Dedicated Savings Account: CHent understands that Client is solely in control ofal! savings funds for the purpose 

of paying tbc fees due for the services that A.F is c.ontracting to _rerfonn. Clienr \.Vi.ll designare an acwunr for program 

savings funds and suc.h dedicated account is independent from AF. Client selects: 

_x_FDfC insured Bank thru Global Client Soiutions, LLC 

__ Another account of.Member's choosing 

Payment Iuforrnatjon 

BY SIGNING BELOW (ELECTRONICALLY OR PHYSICALLY), I HEREBY ACK"OWLEDGE THAT I HAVf 

NOT BEEN ADVISED BY AlVl-ERITECH FINANCIAL~ ANY OF ITS AGENTS, AND/OR AFFILIATES TO 

FOREGO A. STUDENT LOAN PAYMENT IN EXCHANGE FOR THE GOOD FAITH PAYME1'T' AND 

FEDER.4L STUDENT LOAN CONSOLlOATfON PROGRAM. DURING THIS PROCESS, I AM RESPONSIBLE 

~OR MAKING r,1Y PAYMENTS, Ai\il) FAILURE TO DO SO COULD DISQUALIFY MEilJS FROM 

OBTAINING THE SERVICE THAT WAS AGREED UPON. f UNDERSTAND THAT I CAN APPLY ON MY 

OWN TO CONSOLIDATE MY LOANS \VITHOUT THE ASSISTANCE OF AMERJTECH FL"'IANCIAL. I 

FURTHER ACKNOV/LEDGE THAT NO GUARANTEES CONCERNING THE SUCCESS OF THE LOAN 

CONSOUDATION HA VE BEEN PROVIDED TO ME/US BY AMERITECH FrNANCIAL, AND/OR AT-N OF ITS 

AGENTS. AND/OR AFF!LlA TES AND A POSJTiVE OUTCOME TS NOT GUARANTEED. f, THE CONSUMER_ 

HA\!~ BEEN EXPLAINED THE PROGRAM IN FOLL AND TO MY SATfSFACT!ON. 

ACKNOWLEDGMENT 

,l\s indicated by my siguarurc below. I acknow1edge tl:iat I have read, understand and agr~e to the terms and conditions of 

the Documeni Preparation and Service Agreement. 

Client Name: Ho l l ee Warl i t ner Executed On this Date: 5/ 9/2016 

c1;_ent Signature, [ i~'"" •. ,,..,~,---,-;-=-

5

-_ - --Date of "Barth; _ .;._.,; _____ _ _ 

Driver License Number: J-~~~•~•~-~~•~ __ Soda! SecmityNumber: _ _______ _ 

For: ArneriTech Financial ("AF") 

By: ~ 7( vtlr..Jo:>...,yb&-J<R.,,,-

Title: Administrative Reprnsentative 

Stiner Attachment T - 35 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 36 of 46 
!. . This Dedicated Account Agreement and Application 

("Agreement") co11tains the terms, conditions. and disclosures that apply to 

your dedicated account ("Account"). By signing this Agreement or using 

your Account. you agree that this Agreement shall apply; and you agree to 

abide by a!f of the terms and conditions set forth herein. including the 

"ARBITRATION OF DISPUTE" provision in paragraph XVIII on page 2 of 

this Agreement, which requires you to arbitrate any dispute with Global. If 

you have any queslions that you do not believe are addressed in this 

Agreement. you can and should call, email. or write Global Client Solutions, 

LLC CGiobal") at !he number or addresses shown at the end of this 

Agreement. Please review this Agreement carefully and keep ii with your 

other important records. In this Aareement, the words, "!", "me'\ "mine", 

"my". ·you··and "your" mean you and any other party who you authorize to 

use your Account. ~ , , 

~ :v'\c:;." ':'.:! , ~-1. ':::" \\A.:'l·"· ~), , '"·>"·.,~ , ,-:.; . .. · _,,.,. \. -- - tr, ,.,..\., ; r-"' ,., ' 

1.-, .. ,.,i..Pur.post,Natarl:!' and Use cf tha-,Accoun_~ .,Your Account•. ts a· 

-~~jil-SCCbOiiff ll~fo/OU'C3TI<Ose·in connectidfl'-Witfi.tti'e,firiancial;-s'eMce 

prog!llm ,Yott' have· unc!erta.ken •fo assist-you witti'fne coiisolidation,•of,ydur 

fetlerai'sti:idenHoal'.lS'.·\GlobaHSlri . . :1101Jr:fii1ancial se1Vice.;progsm 

aiw.does-r-iei·participateihthe,. ·.· a on' of your federal stude.ntJoaos;. 

fn general,.you will be (i) making pedodic deposits to your Account from your 

primary bank account and/or via debit/c.:edil card transactions, if applicable, 

arid (ii} you wil! be periodically disbursing funds from your Account to pay for 

the services associated with your financial service pro_gram and your 

Account, and, if applicable, to pay student loan lenders, Your Account is a 

Federal Deposit Insurance Corporation ("FDIC") insured sub-account within 

a master custodial account maintained at a bank designated or selected by 

Global. Additionaily. you authorize Global to transfer your Account to 

another FDIC insured institution under the existing terms. Global will provide 

written notice to you of such change. Any such notice, and any other written 

notice that is provided for in this Agreement, will be sent to you at either the 

physical address you have· provided in the application portion of this 

Agreement and/or the emaif address you establish with Global. If an email 

address is not provided to Global, all notices that are provided for in this 

Agreement wifl be se_r.t to you at the physical address you have provided in 

the application portion of this Agreement. Your Account may not be used 

for any i!!egal purpose. 

Ill. Passcodes l Passwords: You will be provided with a four-digit 

passcode (your "Passcode"} that wiil enable you to access your Account via 

the telephone and ro identify yourself when contacting a customer support 

representarive. You will also be provided with an initial Internet password 

(your "Password') that will enable you to access your Account via the 

Internet. You may change your Password at any time for security purposes 

and you are encouraged to do so from tirrie to time. You are responsible for 

the protection .ind use of your Passcode and Password. Do not disciose 

your Passcode or Password to anyone who does not have your permission 

to access your Account. 

IV. Telephonic I Electronic Communications: You authorize Global 

to accept and act upon any instruction received irom you or authorized by 

you under this Agreement concerning your Account, where you have 

communicated that instruction or authorization by telephone, facsimite, email 

or oiher electronic means using a telephone keypad or computer. Use of 

your Passcode, Password or any other form of identification designated by 

you in any transaction constitutes and will be accepted as your electronic 

signature. as tha! term is used in the federal Electronic Signatures in Global 

and National Commerce Act and other applicable laws. 

V. Aufnorizing and Initiating Transactions: tn this Agreement you 

authorize certain trans;,ctions involving your Account. Unless you dir.ect 

otherwise in writing. Global may also act upon those instructions that you 

have conveyed 'lo your Sponsor. as defined in the application portion of this 

Agreement, and -such instructions may be acted on without further 

confirmation. From lime to time, you may change those instructions and/or 

give other instructions by contacting Global's Customer Support. In any 

event, you must always provide a reasonable period of time to act upon your 

instructions-. All deposits to your Account wili be authorized and iniliated, as 

applicable. pursuant to your instructions, and all disbursements from your 

Account will be authorized and initiated pursuant to your instructions and 

Page 1 of 4 

provided it contains sufficient funds to cover the amount oi 1he disbursement 

However, neither Global, nor any seNice provider to Global shall be· 

responsible for determining when a payment is acluaUy due, nor shall they 

be responsible for determining whether a payment is for the correct amount 

or otherwise proper. Global's sole obligation ir; this regard will be to execute 

your payment instructions in a commercially reasonable manner as soon as 

practical after receipt of such instructions. Global shall noi be responsible 

for any late payment fee, penalty or other charge levied against you; or for 

any other adverse action taken by any party. Global shall net be liable for 

any consequences or damages you may claim resulting from Global acting 

on your instructions. 

Vl. Fees and Charges : The "SCHEDULE OF FEES AND 

CHARGES" identifies the fees and charges you are obligated to pay Global 

in connection with this Agreement and your Account: and you agree that 

these fe.es and charges may oe deducted -directiy from your Account. The 

fees and charges in the "SCHEDULE OF FEES AND CHARGES" are the 

only fees associ_ated with Global's services and your Account. The Monthly 

SeNice Charge for the first month in which your Account is established will 

not be prorated and 1,vill be deemed earned in fuil as of the day the Account 

is established, e.g., if your Account ,s established on the 1 sc• day of a month, 

the Monthly SeNice Charge for such month shall be earned as of that day. 

Thereafter, the Monthly SeNice Charge will be deemed earned in full on the 

first day of each calendar month during which your Account remains open. 

Other fees v,iill be deemed earned al the time of the transaction or the event 

that gives rise to the fee. You expressly acknowledge that Global may 

increase the fees and charges associated with your Account at any time, 

and that you will be provided with written notice al least thirty (30) days· prior 

to such increase. Global shall not be responsible for any other fees and/or 

charges that you may incur in association .with your financial service 

program. 

VII. T.ermination of Agreement I Account Closure: You may 

terminate this Agreement and close your Account at ·any time by sending a 

written notice to Global's Customer Support. The written notice must provide 

Global with the following information: 

1. 

2. 

3. 

4, 

Your full name and current add"ess; 

Your Account number.: 

The date of the request: and 

Your request to close your Account. 

Please provide Global with sufficient time to process i.!;e request. In additbn. 

Global may suspend, cancel or terminate this Agreement and your Account 

at any time without notice for inactivity, or if your financial service program 

has been terminated or is no longer being managed, if your Account is 

improperly maintained o'r used, or lf you ·otherwise violate any provision of 

this Agreement. ff this Agreement is terminated for any reason, or upon 

Accpun1 closure, the coflected balance in your Acccunt ,....,rn be credited to 

the debit/credit card account utilized for deposits andfor will be sent to you 

by check. as deemed appropriate by Global. within a reasonable period of 

time. 

VIII. . Monthly Statements: You will receive your first monthly 

statement by mail showing your Account activity and balance by mail. 

Thereafter. monthly statements will be available online, and may be 

accessed using your login information and Pa.ssword. Should you desire .to 

continue receiving a paper s1arement via the Unite9 States Postal SerJice. 

please contact Global's Customer Support and make a request to receive 

mailed paper statements. You may obtain balance and transaction 

information by using your Passcode to access your Account over the 

telephone. by usirig your Pas.sword to log into Global'swebsite, or by ca!ling 

Global's Cu~tomer Support. You agree to review your statement carefully 

and to .report any erroneous. improper or unauthorized transactions 

promptly. 

IX. Non-Interest Account: Your Account is a non-interest bearing 

Account. 

,--os 

Stiner Attachmc-pt .T ~3~1 D' J Initials: I V C 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 37 of 46 
DoCl;Sign Envelope ,D: 

X. Unauthori2ed Transactions and Customer Responsibility; You 

should never share your Passcode or Password(s} with anyone and should 

keep your Account information and papers in a sectire place. ff you believe 

someone has transferred or may rr,ansfer money from your •

6.=unt without 

your permission, contact Globai"s Customer Support lrnmediately. 

XI. FDIC Insurance: The funds in your Account will be FDIC insured 

up to a maximum of S250,000.00. The insured amount may increase er 

decrease and is subject to limits set and reset by the FDIC from time to hme. 

XII. Incomplete Transactions: Neither Gfobal nor any service provider 

lo Global shall be liable for Failing to comple!e a transaction due to insufficient 

funds in your Account; or if circumstances bevond their control orevent the 

completion of the transaction, including, 1,1f.tnout limitation, the acis or 

On"issior.s of any ACH. check o; other processor, the National Automated 

Clearing House Association. the Federal Reserve System, any .bank, or the 

directive of any regula'lory authority. 

XIII. Error Resolution Procedures: In the event of potential errors or 

qcestions conce-ning specific transactions invciving your Account you rnus! 

call oi: write Global's Customer Support no later l1'an sixty (60} days after the 

transaction in question appears on your monthly statement. Furthermore. at 

the very minimum you must provide Global with the following information: 

1. Your full name and Account number: 

2. The oare and amounl of the transaction; 

3. The type oi transaction and a description of the suspected error 

{please explain as clearty as possible why you believe there is 

an error or why you need addilional information); and 

4. The dclfar amount of the suspected error. 

If :he ir.formalion v.-as provided over the phone, you may be asked and 

reql.!ired to provide it again in writing within ten (10) business days. Globai 

will inform you of the results of the irwestigatlon of the suspected error within 

ten (10) business days after you submit the information and any error will be 

promptly corrected. However. if Glo.bai requires more (ime lo investigate the 

suspected error. it may take up to an additional thirty (30) days to complete 

rhe invesligAtic,n If Global de1erminas that there is no error, vou will be 

provided wilh a wrirten explanation within three {3) business days of such 

determination; and you may ask fer and receive copies of the documents 

used in making any such determination. 

XJV.c.-'i:~-Bi?J>utes: Yoit u:!ldersta."'/d and a cee-thatGJoballs.neta•Dartv 

· fr;;;:- -~ financiarsg-rv,ce· - ·- . · d-ooesriot· srtfc..~3,."e..in the 

consolidation ,::offe'!,yo.ur fi ·• · ':: rodent. tos~.-~'This,-:!,s~meht ·1s 

sepiiiafe!:~a'iJ,i:l4nde~ndent from-.i#oY c;ontractual.obligi/tfifii'syou may 

'liai(~ your ~t!!_tient'loa11 feniiers or your.Sponsor, as def".Md in the 

applit,o-tiQn po_itio;1~-0f .this Agr>..ement Accordingly, you hereby 

expressly acknowfec:!qe that Global does not have any involvement in 

or responsibilities of any nature with respect to your contractual 

aareement with vour Sponsor. vour financial service proaram or the 

results that you may or may not achieve from vour part?cipation in a 

financial service oroaram. Furthermore, you hereby expressly 

acknowledge that any representation, statement, or obligation made 

by your Sponsor or in connection with your financial service-program 

does not ,md cannot bind Global. Finally, you e'l(pressly acknowledge 

that Global shall not be liable for any actions taken by your Sponsor in 

connec tion with your financiaf service program. 

XV. Garnishment Acknowledgement: In the event that a creditor of 

yours moves to garnish funds in your Account, you e'!fpressly 

acknowledge that Global will answer the garnishment end comply with 

any writ issued by the Court in accordance with the applicable state 

law. Furthermore, you expressly acknowledge that Global will not be 

responsible for chailenging or raising a defense to the gi!.mishment on 

your behalf. You specifically agree lo indemnrfy and hold Global hannless 

from any loss, liability, obligation, damage, cost and expense resuiting from 

a creditor's attempt to garnish and/or hold Global liable for any judgment 

against you. 

Page 2 of 4 

XVI. Goveming Law: This .A.greement shall be governed by the laws 

oi Jhe slate where you reside, except that the state's rules or statutes 

govemtng ar:,itretion procedures shall nol apply. If any part of this 

Agreemen1 is declared void or unenfcrceable, such provision(s) shall be 

deemed severed from lhis Agreement, and the remainder of this Agreernent 

shall remain in full force and effect. This Agreement may be modified to the 

extent necessary to give such force and effect 10 the remaining provisions. 

No delay er forbearance in the strict cbservance er performance of any 

provision of this Agreement, nor any failure to exerc•se a right or remedy 

hereunder, sha!J be construed as a v.-aiver of such performance. right, or 

remedy,.as the case may be. 

XVII. Limitation of Liability: Under nc circumsrances shai! Global 

ever be liable fo; any special, incidental, consequential. exemplary or 

punitive damages. Moreover, under no circumstances shall Glcbal ever be 

liable for the conduct or ccntractual obiigations of a third party, including, but 

not limited to, !he Sponsor, as defined in . the application portion Ci this 

Agreement 

X\,111. ARBITRATION OF OtSPUTI: - IMPORTANT NOTICE 

AFFECTING YOUR R!G!ffS: rn the event of any controversy be1ween the 

panies, including, but not limited, to any clain,, dispute, s.uit, demand, cross 

claim. counterclaim, or third party complaint (whether statutory. in tort. or 

otherwise} arising out of or relating !o this Agreemeni or its performance, 

breach. ~ermination, enforcement. imerpretation er validtty. including the 

validity. scope or applicab1hty of this provision to aroitrale. shall be 

delemiined by binding arbitration. This arbitration provision is governed by 

i l1e Federal Arbitration Act ("FAA"). 9 l.J.S.C. § 1 el seq. and not by any slate 

rule or statute governlng_arbitra!ion. Arbitration under 1his provision shall be 

conducted in either the county in which the consumer resides or the closest 

metropolitan county. THE PARTIES AGREE THAT ARBITRAT!ON SHALL 

BE BEFORE A SINGLE ARBITRATOR ON AN INDIVIDUAL BASiS AND 

NOT AS A CLASS OR MASS ACTION. FURTHERJ'.liORE, THE PARTIES 

AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE 

PROCEEOlNGS OF MORE THAN ONE PERSON'S CLAIMS. The 

Arbitration shall be administered by the Judicial Arbrlration Mediation 

Services ("JAMS"), 1920 Main Street, Sui!e 300, Irvine, CA 92614 

(www.iamsadr.com), tile Amo:,1ic,m Aroilralion Associaticn C-AA-"I,"), 335 

Madison Ave., Floor 10, New Yark, NY 10017-4605 (wv,w.adr.oro). or 

another nationally known consumer arbitration service on which the parties 

shall agree. Arb;tration shall be administered according to the arbitration 

service's fee schedule and the seNice·s current applicable rules and 

procedures except: 1) that the parties expressly waive the applicability of 

any rule governing class or mass action: and 2) that the parti6S agree that 

any specific arbitration proc&dure provided for herein shall apply to the 

arbitration proceeding. The arbitrator shall be neutrai and independent and 

shall comply with ,he selacted arbitration service's c.,de of ethics. 

Additfonafly. the arbitrator shall be guided by and apply the Federal Rules of 

Evidence and "governing substantive" law .. The arbitrator's award shall be 

final and binding on all parties. Judgrneni on the arbitratic11 award may be 

entered in any court having jurisdiction over the parties. If a party fails to 

comply with the arbitrator's award, the ot,"'ler party may petition a court having 

jurisdiction to enforce the award. The parties shall bear their own attorneys' 

fees unless suc.'l fees are expressly proVJded for by applicable law. If the 

arbitrator determines that reasonable attorneys' fees are to be awarded 

under applicable law. the parties agree that the arbitrator will also determine 

the amount under the award for attorneys' fees. in th'e event a party fails to 

proceed with arbitration. faiis to comply with the arbitrator's award CY. 

unsuccessfu!Jy challenges the arbitrator's award, the ether party is entitled 

to any costs and expenses incurred, including a reasonable attomeys' fee 

for having to.compel arbitration er defend or enforce the award. 

Binding Arbitration means: (1) th-at both parties give up the right to a 

trial by a judge or jury; {2) that both parties give up the right to appeal 

from the arbitrator's ruling except for a narrow range of appealable 

issues expressly provided for in 9 U.S. C. § 16; and (3) that discovery 

may be severely limited by the arbitrator, and should the arbitrator 

decide to allow full discovery, the arbitrator may not exceed discovery 

limitations set forth by tile Federa! Rules of Civil Procedure. 

I acknowledge that I heve read ana agree to abide by the terms of the 

arbitration provision set forth above. 

I bM I SIGNATURE:& ,t: 

Gos 

Stmer Attachment T1.~3J~--- \d [1nrna1:t 1 ::, ' 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 38 of 46 
OocuSign Envelope ID: 

XlX. USA !Patriot Act Compliance: As required by the USA Patriot Act, 

ycu authorize Global to take reasonable and practical measures to verify l'he 

accuracy of the information you have provided in the application portion of 

this Agreement, as well as to verify your identity by, including and without 

limitation. securing or accessing your credit report, .and/er obtaining any 

other information about you in order to assist in combating terrorism and 

preve·nting Globa.l's system and the banking system irom being used for 

money laundering or other impermissible, illegal purposes. 

XX. PRIVACY POLICY: Global may collect personal information that 

you provide: ( 1) in the application portion of this Agreement: (2.) in any 

updated information you may provide from iirne to time; and (3) as part of 

the transactions precessed through your Account. A description of the 

Privacy Policy applicable to your Acr---0unt is provided below. If you have 

additional questions regarding this Agreement's Privacy Policy, please 

contact Global's Customer Support. 

a. Collection I Use of Personal Information: Collection of your 

personai information is designed to protect access to your 

Account and to assist in prov.iding you with the p;oducts and 

services you have requested. All personal information 

collected and stored by Global. or on its behalf, is used for 

specific business purposes: (1) lo protect and administer your 

Account and initiate your authorized transactions; (2) to assist 

in the design er improvemen1 of products and services; (3) to 

identify additional products or seNices offered by Global and/or 

its affiliated companies that may meet your needs; and (4) to 

comply with state and fede;al banking regulations. Only 

approved and authorized personnel will have access lo such 

informarion To further protect your information, auditing 

mechanisms are in p!ace !o identify·.anyone who may have 

accessed and in any way modified your personal information. 

b. Maintenance of Accurate Information: You may update 

your personal information online, at any time, by using your 

Password to fog into Global's website or by contacting Globa!'s 

Customer Support. To. ensure that Global is able to protect 

your Account and verify your information, it is in your best 

interests to maintain accurate and current any records 

concerning your personal Information. 

c. Limit.1;d Access to Personal Information: Access to your 

personal information is limited to only those personnel with a 

business reason for accessing such information. In addition, 

all personnel are trained and .educated about the importance 

of confidentiality and customer privacy. Individual user names 

and passwords are used by approved personnel to access your 

personal information, providing audit trails to further safeguard 

the privacy of your personal information. 

d. Third-Party Disclosure Restrictions: All third parties with a 

business need to access your personal information are 

required to adhere to stringent privacy policies. Your personal 

information may be supplied to a third party in ord.er to process 

a transaction you have authorized or if the disclosure is allowed 

or required by law, e.g., the exchange of information with 

repu,able reporting ager,cies in response to a subpoena, in 

connection with the investigation of fraudulent activity, etc. 

e. Sharing. of Information: You authorize Global to share 

certain information with your Sponsor, as defined in the 

Application portion of this Agreement. and any third party to the 

extent necessary to administer your .Accouni in accordance 

~~ith your instructions and authorization. You expressly 

acknowledge that Global does not maintain records of any 

documents or information associated with your financial 

service program. 

Page 3 cf 4 

XXl. English Language Gove ms: The tem1s of this Agreement and 

the products and services we provide are governed by the English language. 

As a courtesy, Global has made this Agreement available in languages other 

than English. If there is any difference in meaning between the English and 

non-English version of-.iny of our documents, including this Agreement, the 

English version will apply to your Account and is available to you upon 

request. · 

XXII. Merger C!ause: This Agreement contains the complete and final 

undersianding between the parties. Any prior oral statements, 

representations, or agreements .are superseded by this Agreement. 

XXIII. Customer Support Information: 

Correspondence Address: 450S,Sk'129iti.'-f:¥;:~venue{Soite:,177. 

-:ru1sa~:0K1⁄21~1~ , (801}}'J98q'.~'g-f , ,~ ,,,. . Telephone: 

Fax: 

Website Address: 

Email: custor:nersu 

Note: Global ·will provide you with a welcon,e packet subsequent to the 

execution of this Agreement that wiil contain deposi! instructions applicable 

to those customers who choose 10 send in deposits. 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 39 of 46 
DocuSign Envelope lO: 

uc:1..m..,;i.u cu A \A.,UUI\! t AGREEMENT AND APPUCA TION 

i hereby apply (or and agree 10 establish ~ m:m-int.srest bearing dedicated acco!.lnt ("Accounr) lo be adminfsts,ed at a ban!< s.e!ecied' by Global Client Solutic.ns, LLC ("GlCJbal") for my 

uti!izatfon in uinnection with a financial service program of m~rown c.'ioosing (my "Program") that ls-managed by the org<lf!lzalior, responsib,e for administering ihe Pro:gram ("Sponsor'\, 

I understand that G!obal is.net a party to my Program end does. not participate in the management of my Program. ! understand that this Agreement is subject ·io a customer identilica1ion 

program. as required by the USA Patriot Act and oL'1er applicable laws; and accordmgiy, i hereby represent that the following information 'is true and complete to the be:st of my knowtedge 

and belief·. !n addition, I understand .that I may be requirel:l 'to pmvlde a copy of a driver's license and/or other Information from time 10 firns for use In connection i:vi;h the verificalion of 

my identi!y and.the administration v f the Account. Furthermore.! understand that the Accou:it is governed by the terms of this Agreement and that I am bound by all of its tefms 

and conditions, i ncluding the binding .arbitration provision located i n paragraph XVIII on page 2 of this Agreement 

ACCOUNT OWNERSHIP, CONTROL AND USE: I understand that the A~uiunt. when established in accordance with this Agreemem: will be my sole and ex:cluslve property: 

!hiat only I (or authorized contact. ii any} m ayauthorize lransacticms invo!\ling my Account; and that only I may v.41hdraw funds·from end crest rny Account as provioe.d for i11 t.'1e .A.greemen!. 

I hereby authOrize (s 1 i;-eriodic deposits to be made to. my Accoum pursuar,t iO !he authorization provided below and (bl periodic disbursements to be made from my Account ,ii this 

regard, I hereby authorize payment from my. Account of 1he fees and charges provided for in this Agreenienr. Should l designate an autl,orized contact, sucb designar1cn allows -for 

confirmation of Account information and tor receipt of messages regarding my Account to the designee, 

PERMISSION TO SHARE .DATA: I hereby grant permission for the b,mk, Global and the Sponsor to snai:e information regarding m y_Account and my Program with one aM ther 

and v.4th any o,her party to the exte·nt necess.arf to facilitate the. transactions· f authoii:ee on my Account, and acknowledge that sharing information among these p,;mies is essen!i.al to 

the administration of my Account. J understano that !he Agreemenrpro\ides additional information relating !o my privacy rights. 

----·-·-···-·--· ALL FIELDS REQUIRED UNLESS OTHERWISE NOTED ---·-··--·-·-·· 

App!_icant: Last Name {Pfe.,ise prim cJear!y; First Nama Mi i ocial Securit1 # i I 

Warlit ner Ha l l ee   

Autl>olized Contact (optional): Last Name First Name Ml Soci:al Security # 

-

State 

Physical Address (if different from mailing JlddressJ 

-

State I ZipCode 

I 

Mother's Mafden Name (for fLr!ure iD purposes) 

gmai l ,com 

Sponsor Sponsor-s Gl obal Accoun t Number (ii known} 

Ameritech Financial 

p!ic:;S:!i,a,S~ature 

i I ~. 5/ 9/ 2016 

AUTHORIZATION TO DEBIT BANK ACCOUNT 

Ap licant's Financial Institution Information 

Ban!< Name - Routine Number' 

Member one Federa l credit un i on 

City 

Name·(as ij appears on check) 

Address· (as ,t appears on cheol<} City 

. • I ~ Jr•• 

Stat.e l Z.lpCo::J,. 

State , ZipCode 

~~7'..v~ Emneia!i:doca!fon'Senii~~r-'l!fer"~ram.a~Stlfdiarin;oatiil"i~J;lif.f d,~~ic11Kit:{~1:'la~ ): 

Amou.ot of lnitiaf Debit Date of Debit (mm!ddl 

Oe~~~•-~!f~~:109 !3!an'enoo1!mehl:-l'.ee,,$99 Plan ri1on!hlyYfe~ s/:.;~_ .:' < .Pi-ogram.,monthfy fee. and B li:lba!'.s'SB mcnthlyfee, 

SCHEDULE OF FEES AND CHARGES 

Account Set'J p (one-time fee) 

Monthly Service Charge 

Op!ionai SeNices: 

ACH Disbursement 

Manual Check Disbursem ent 

incoming.Wire Transfer 

Outgoing Wire Transfer 

2nd Day Delivery' 

Overnight Delivery• 

$0.00 

$8.00 

$1.50 

$2.00 

$ 10.00 

$15.00 

$10,00 

$20.00 

Dishonored/Returned Deposit l!em $0.00 

Step Paymeni Order $17.50 

*3:00 prn Ce!'lt:'al Tirne Cutoff 

····---------·-··-------- Date of Debit mm/ddi and en or after the same day cf each 

~ :h thereafteifor an additiona! CUST OMER SUPPORT 

. months. 

· and on er al!er ,he same day cf each 

mornh the-reafter until f!.1rther notice. 

Any Quesiions or inquiries relatrng to your 

Acccont snou;d be dir!:lcted 10 Globai's 

Customer St,ppon. See paragraph XXHI of 

this A.greement for Gtoba!'.s correspondence 

address. Giobar s i.vebsi!e address. and the 

(oil-free number lo Global's C•JStomer SupporL. 

?lease no!e !na! Global is i'lo! a party to your 

Program . 2nd any questions re!2ting to your 

Progr:.m should be addressed to yovr 

Sponsor. and not to Global. 

I hereby authorize Grebel to initiate_ debi! eniries to my checking accaunt {er savings account} at the financial institution named 

above (my "Primary Bank· Accourit'}, in the amoc:it(s) and on or after the .date{s) ss1 forth above, for-the purpose of transferring 

funds to my Account ! understand that said funds will be used fn connection with my iinancial service program (the 

"Program"), and if elected, in connection\vi!h the Financial Education Benefits Center Program and Student Loan Financial 

Education Kit·(!he "Plan"), Upon Global's receipt of notice from the Sponsor, regarding the completion of my Program, i 

furthar hereby authorize Global to continue to initiate debit entries to my Primary Bank Account on a month to month basis 

in the total amount cf $99.00 per mon th !o be used in connection with my Pla1,: addltionalty, I und.;;stand that upon the 

completion of the Program that Global will no longer assess Globa!'s S8.00 Monthly S_ervice Charge. I represeni that my 

-Primary Sank Accoont exisl-;; lhal I own it; and that r 1⁄2ill maintain suflic;ient funds i:. it to permit the dab!ts·to· c!ear en tlie app_licable 

dates. f understand ,hat I may incur a charge as set forth in the Schedule of Fees and Charges If any attempted debii Is not 

imme,liately honored when presented: and ttiat the ffnanclai institution ptoYiding :ny Primary Bank Account may alsc assess a 

charge if tt:is occurs. In addition, i understand that I may subseq1,1ently designate another account for this purpose by contacting 

Global's Customer Support; that I may also change the correspondlFlg amounts and dates from lime. ,o time in ihat manner; and that 

the representations I made above about my Primary Sank Account will apply ,o any ether account that I designate. 

Tnis authorization shaH remain in full force a·no effec! until I give a written termination notice to Gio~al that affords it .a reasoniable 

p;erioc:! of lime 10 a.cl on it. Any·such notice, .and any other wril!eri notice that fs provided tor iri this Ag,eemen1, shali °" sent to 

Global's Customer Support.at !he addresses set for.h in L'1e Agreement. 1 ROJJ!in9 NcrnW ;s rne B-<Jfgil number appearing In lhe rio:tom let: comer cf '11JUf check. ~ Account Number js to tha right of lhs ~/Juiing Nvmr>er ;;m!'J before the Checi< Numbe;-, 

nature Authorizing Globa! to Debit Applicant's Primary Bank Account 

z· L S/ 9/2016 

Page4 of 4 

FOR OFFICE USE ONLY 

I , 

l: 

CUSTOMER'S GLOBAL ACCOUNT I 

NUMBER ,, 

:.------- ----,, I SPOIJSOR'S .GLOBAL ACCOUNT NUMSER I 

t-'~~n -:_-GCS - FS - A-S - 04.0S.15-NS - w/P!.;~ 12.u2.1!) 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 40 of 46 
DocuSign Enveiope ID: 

NOTICE OF BILLING DETAILS ON YOUR STATEMENT 

Keep this notice for future reference regarding billing 

This notice contains important information aboLJt your Account. 

All billing is processed through Global Client Solutions 

Your bank statement indicator will appear as 

GCS -

Please notify or contact us directly in case.of any questions regarding the billing 

process. You can get hold of us at 1-800-792-8621 and press O (zero} for 

Customer Service. 

l acknowledge and understand that Global Client Solutions will be processing all 

transactions for my account, and that the transactional indicator on my bank 

statement will appear as above. 

x Hollee Warlitner 

Fuli Name 

X 5/ 9/2016 

Date 

Stiner Attachment T - 40 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 41 of 46 
Doc-.;Sigr. Enve!c9e ID 

E H -FINANCIALRefe .. ral P:rograft'I 

Refe8" you~ friends a nd family and eaJtn $25 C!"edit 

fo~ each successful refe~ral! 

It's easy, just log into refor.ameritechfinan1d.2Lc.om using the email address and 

password provided to AmeriTech Financial 

Next, simply click on "Post to Facebook, '' "Post to Twitter," or any of the other mediums 

you wish to use: 

n 

~ w 

• I 

............... 

: ~ • 

.... 

Send Ernat!. 

Pnnt Cerc!s 

Get Shs.reahle URL 

Stiner Attachment T - 41 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 42 of 46 
DocuSign Envelope tD: 

Referral Program Questions & Answers 

What is the Referral Program'? 

The Rcfemii Program rc,.,ards Clients for referring 1·ricnds and fami iy who enroll with AmeriTech Financial. 

How do l get started'? 

it's ;;:.asy! Login to rc.fer.amedtechfinanc:ial.com. where you'll be given 1h,~ necessary rools to invi£e your friends and 

family to join through Twitter. Facebook:. Linkedln and MORE! Click ,.. .Post - You're Done! 

Rewards Program 

AmeriTcch Financi-a:1 ha.-; partnered with Tango Card, a :zero-T.ee r<:wmls card that ..:an be :lScd at near! y ·t)()' different 

websiles and businesses across the cou11t1y~ Use your Tango Card to buy gifts oi1 Amazon, expand your play1i:,;t cin iTnncs, 

.buy movie tid:ers on Fand.aogo, stock up on the newest dectron'ics at Best Buy. or get those ne1⁄4' hiking boots ai R.Ei - ~n<l 

that's just the star(! 

To see the ti.111 lisl ofwcb~i,ei: .and busines,;es where Tango C_ard. can be used, click here: 

httos:/ iwww .tan£ocan! .eom/the-rewards-cata!ou 

What if I want to donate to one of AmeriTecb.Financial's select charities? 

Grear Question! AmeriTech financial is co:mmicted to helping peop!e who are faced with challenges -and not just with 

Fcdcrnl Siudcnt .Loans. We feel it is our responsibly to make the -,vorld a better place by utilizing our business whelp[ 

When yuu choose to redeem your reward credit, you' 11 have the option ro donate that cr~di I to one of 15 different 

c,harities! The poriion you decide co donate will be 100% MATCHED - Dollar for Dollar by AmeriTech Financial, 

and donatctl in your muuc 1 

» CLEAN i 

~WATER 1· 

~J:UNO · 

____ _ J ···-------··-·····-j 

; 

ii 

>) tnSTEDD :1 

~ ' ! 

'S;.;rr.!n-"'1'Si'~c~· ·~ .. ~ ........ ,, ... -.... 

Do T have to donate aJ! of my referral credit to participate'? 

.~, ~ . 

=!~'::~~-t~<£H~2ce: ~~~.I? : 

No. You can donate only a po1tion of your accumulated referral credits, and can choose to do so a£ any time. 

How can l track mv referrals? 

All rcfemib can be tracked on you My Account page (!ink). \'ou'U be able to sec the srarns of every person that has clicked 

on your posts and can see where they're at in lhc enrollment process. 

Stiner Attachment T - 42 

ros 

l H D\A, 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 43 of 46 
DocuSig:i Envelope ID 

Can I donate to more than one charitv? 

Yes! Dul'ing the reward red.::mpcion process, you·u be given the. choice as to which charities you'd like to donate w. 

You'll be able ro sekcl one at a time, but as long as you have an available balancs:: 0:1 your Tango Card accounr. you'!! be 

able to donate to another charily when )>OU revisit the rcde:nption page. 

How wm I know the donation has been made'? 

Each time a donation is made on your beha!fyou wlll receive a confirmauon via cm:iil from T:m.go Card shi.m ing the tim~. 

du(c. and amount thal was donnted. 

A;·e mv dor.ations tax deductible? 

Yes. 

When will this prOS!ram end? 

There cul'!'ently is no ..:nd date. but AmeriTcch Fin:mciai reserves rhe right to tenninalc: and/or modify thi:; offer ut a.ny tim:.: 

without prior notice. 

Who can r refer'? 

You can refer friends and fumily wbo require help with their i;tudent loan debt. 

When will the credits be apoHed to mv account? 

Once your Referral has made two successful paymenrs into the Amc:r!Tech Finaocial r,rogram. :1 cr.:dit will be appiicd 10 

yot!r rclcrra1 ac-:t1unt redeemable at Tefer.amcritcc.:hfinancial.com. Client will be notilic;-d by AmcriTech Financial via 

m1tommcd email notification prior to each credit being applied. Please allow for up to: weeks to receive credit. 

\'Vhat if the person ! would like 1·0 refer aireadv has enrolled with AmeriTech Financial'? 

You musl b-: first to refer friends or family. before 1hc} lmv¢ already enrolled with AmcriTcch Financial. 

What if mv question is not answered here'! 

Contact 1-800-792-8621. or emaiJ rcfcrrafs@AtncriTcchfiuanciai.coru. 

I h1tve read :rnd unde1·st:md lhe AmeriTceh Financial Referral Program guidelines: 

Date 5/9/2016 

Stiner Attachment T - 43 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 44 of 46 
I 

j 

I 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 45 of 46 

I 
other limit 

)t 

! tb. 

tin 

baf· 

-nu 

Case 4:18-cv-00806-SBA Document 70-20 Filed 03/05/18 Page 46 of 46 

Stiner Attachment T - 45 
Case 4:18-cv-00806-SBA Document 70-21 Filed 03/05/18 Page 1 of 7 

Stiner Attachment U 
Better 

Business 

Bureau 

Elizabeth Nichols <enichols@necal.bbb.org> 

Re: A message from your BBB 

1 message 

Tom Knickerbocker <tom.knickerbocker@ameritechfinancial.com> 

To: enichols@sacramento.bbb.org, Brandon Frere <brandon@ameritechfinancial.com> 

Dear Ms. Nichols, 

Wed, Jun 8, 2016 at 1:37 PM 

Thank you for your e-mail and outlin·ing your concEfrns to us. We appreciate your providing AmeriTech Financial an 

opportunity to respond to your inquiries. We take our re!ationship with the BBB very seriously as it's one of the few 

organizations that consumers nationwide trust to provide them with accurate and vaiuab!e information about 

companies they choose to work with. Since the beginning of AmeriTech Financia!, we have worked hard to ensure 

that we meet and exceed industry expectations from a compliance standpoint, and we take pride !n our outstanding 

Customer Service team when it comes to addressing client's questions and concerns. 

! will make sure our response is as thorough as possible, but if you'd like more information about a specific item in 

our response, please don't hesitate to contact me day or night a . I'll be in touch soon with our full 

response to your email. 

Sincerely, 

Tom Knickerbocker 

On Tue, Jun 7, 2016 at 4:44 PM, <enichols@sacramento.bbb.org> wrote: 

BBB~ 

June 7, 2016 

Mr. Brandon Frere 

AmeriTech Financial 

311 Professional Center Dr Ste 200 

Rohnert Park, CA 94928 

Dear Mr. Frere, 

We are writing you to address concerns we have with 

complaints we have received for AmeriTech Financial , 

FTC-BBB-000254 

Stiner Attachment U - 1 

Case 4:18-cv-00806-SBA Document 70-21 Filed 03/05/18 Page 2 of 7 
concerns that you are partnered with a company that has 

been subject to disciplinary action as a result of a lawsuit 

filed by the Consumer Financial Protection Bureau, concerns 

with your advertising, and concerns with additional consumer 

reports we have received. Our concerns are outlined below. 

Complaints 

First, we have received a number of complaints which contain 

concerning allegations. 

• Complainants have alleged that they are being 

scammed by AmeriTech Financial. 

• Several complainants allege they were lead to believe 

the payments being made to your company were going 

towards their student loan debt, only to find out later that this 

was not the case. 

• Complainants have also alleged the company made 

various misleading representations, including: 

o claims that AmeriTech Financial was a "government 

company working directly with the department of education;" 

o claims that AmeriTech could "get me a lower monthly 

payment with my servicer if I dealt with them as opposed to 

dealing with my servicer on my own;" 

o claims that the sales representative stated "you can 

include 'anyone you car pool with, buy presents for, spend 

money on, take out to eat,' etc." as family members; 

o and claims the company can "save you hundreds of 

dollars in student loan payments by handling the consolidation 

for you." 

• In addition, we received an anonymous phone call, in 

which the caller explained that AmeriTech Financial sales 

representatives are instructed to mislead customers and 

trained to tell customers to falsify their family sizes in order 

to get a lower monthly payment. 

BBB Accreditation Standard Three requires an Accredited 

Business to "honestly represent products and services, 

including clear and adequate disclosures of all material 

terms." 

Please provide us with a written explanation responding to 

each of the concerns outlined above. 

Second, we are concerned that your company may not be 

abiding by the Federal Trade Commission's "Telemarketing 

Sales Rule," which states that it is illegal for companies 

offering debt relief services to charge any fees "before you 

have settled or otherwise resolved the consumers debts." You 

can read more about the Telemarketing Sales Rule here: 

https://www.ftc.gov/system/files/documents/plain-language/bus72-debtrelief-services-telemarketing-sales-rule-guide-business.pdf 

The complainant, Timothy Jones, alleges an agent "prompted 

me to pay a sum of money to initiate the program ... " 

BBB Accreditation Standard Two, Section A requires an 

Accredited business to "follow federal, state/provincial and 

local advertising laws." 

Please provide us with documentation confirming that you do 

not charge upfront fees for your services. If you do not feel 

Case 4:18-cv-00806-SBA Document 70-21 Filed 03/05/18 Page 3 of 7 

FTC-BBB-000255

Stiner Attachment U - 2 
the Telemarketing Sales Rule applies to your business, please 

explain why in writing. 

Company Affiliation 

Third, we have received a copy of the contract a customer 

signed with AmeriTech Financial. In that contract, the 

customer is asked to use a dedicated savings account through 

which payments to AmeriTech Financial will be made. This 

account is managed by a company called Global Client 

Solutions, LLC. According to public records Global Client 

Solutions, LLC was subject to disciplinary action following a 

lawsuit filed by the Consumer Financial Protection Bureau. 

According to the Consumer Financial Protection Bureau, Global 

Client Solutions, LLC allegedly helped "other companies to 

collE:cttens qf 111illions of dqllarsJn JI legal .upfront .fees from 

consumers." 

You can read more about this action here: 

http:/ /www.consumerfinance.gov I about-us/news room/ cf pb-takes-actionagainst-global-client-solutions-for-processing-illegal-debt-settlementf ees/ 

BBB Accreditation Standard Eight states that an Accredited 

business shall "avoid involvement, by the business or its 

principals, in activities that reflect unfavorably on, or 

otherwise adversely affect the public image of BBB or its 

accredited businesses." 

Please provide us with a written explanation detailing how 

you feel your affiliation with Global Client Solutions, LLC 

satisfies the Accreditation Standard cited above. If not, please 

provide your plans for working with a different company. 

Advertising 

Fourth, complainants have reported receiving mailers from 

your company. We were provided with a copy of one of these 

mailers. This mailer states: 

• "We are pleased to inform you that you may now 

participate in the Student Loan Documentation & Processing 

Services Program. This program can immediately assist you 

in potentially saving thousands on your student loans. With 

the implementation of the Health Care and Education 

Affordability Reconciliation Act of 2010, the U.S Department 

of Education has adjusted their re-payment policies;" 

• "To confirm your eligibility, please contact our Student 

Loan Department with your account #;" 

0 "FAILURE TO RESPOND TO THIS NOTICE COULD CANCEL 

THIS OFFER; 11 

• "Student Loan Department;" 

• "FINAL NOTICE;" 

• and "RE: Student Loan Payment Reduction & 

Forgiveness." 

A copy of this mailer is attached. 

We believe these statements to be misleading by implying 

government affiliation and urgency without directly stating 

what the offered services consist of. It is not clear that this 

mailer is a solicitation from a business rather than a notice 

regarding a government program. 

Case 4:18-cv-00806-SBA Document 70-21 Filed 03/05/18 Page 4 of 7 

FTC-BBB-000256

Stiner Attachment U - 3 
According to the BBB Code of Advertising, which all 

Accredited businesses agree to abide by, advertisements that 

are untrue, misleading, or deceptive shall not be used and 

misrepresentation may result not only from direct 

statements, but by omitting or obscuring a material fact. 

Additionally, BBB Accreditation Standard Two, Section F 

requires an Accredited business to "avoid misleading 

customers by creating the false impression of sponsorship, 

endorsement, popularity, trustworthiness, product quality or 

business size through the misuse of logos, trustmarks, 

pictures, testimonials, or other means. 

Furthermore, Title 39, United States Code, Section 3001 also 

states that offers which reasonably could be interpreted or 

construed as implying any Federal Government connection, 

approval, or endorsement through the use of a seal, insignia, 

reference to the Postmaster General, citation to a Federal 

statute, name of a Federal agency, department, commission, 

or program, etc. must include a disclaimer conspicuously 

placed on the outside envelope, reading "THIS IS NOT A 

GOVERNMENT DOCUMENT." A disclaimer must also be 

conspicuously placed on the front and back of every page of 

the solicitation itself, reading: "THIS PRODUCT OR SERVICE 

HAS NOT BEEN APPROVED OR ENDORSED BY THE FEDERAL 

GOVERNMENT, AND THIS OFFER IS NOT BEING MADE BY ANY 

AGENCY OF THE FEDERAL GOVERNMENT," or a notice to the 

same effect in conditions as prescribed by the United States 

Postal Service. 

Please modify this advertisement by removing statements 

suggesting urgency and which imply that this offer is 

regarding a government program rather than offer for 

services made by a for profit company. 

We are also concerned that you are advertising a 100% 

Satisfaction Guarantee on your website, 

www.ameritechfinancial.com. Additionally, on December 16, 2015 

you informed our Director of Trade Practices, Daniel Stiner, 

"due to our total commitment to our clients 100% 

satisfaction - a full refund is available at anytime during the 

process and even afterwards if they are not totally, and 

utterly satisfied with our service. We really take the client 

satisfaction thing very serious and it is our # 1 priority." 

However, we have received complaints in which the 

complainants allege that AmeriTech Financial, refused to give 

them a refund when they requested it. 

According to the BBB Code of Advertising, "Advertisers should 

only use 'satisfaction guarantee,' 'money back guarantee,' 

'free trial offer,' or similar representations in advertising if the 

seller or manufacturer refunds the full purchase price of the 

advertised product or service at the consumer's request." 

Please provide us with documentation confirming that you do 

issue full refunds at all consumer requests. If not, please 

cease advertising 100% Satisfaction Guarantees. 

Business Transparency 

Finally, we received an anonymous consumer phone call, 

Case 4:18-cv-00806-SBA Document 70-21 Filed 03/05/18 Page 5 of 7 

FTC-BBB-000257

Stiner Attachment U - 4 
informing us that your business was not located in El Dorado 

Hills, California, but was in fact located in Rohnert Park, 

California. 

BBB Accreditation Standard Four requires an Accredited 

business to "openly identify the nature, location, and 

ownership of the business." 

Please provide us with a lease agreement confirming that 

your business is located at 1101 Investment Blvd Ste 290 El 

Dorado Hills, CA 95762. 

You may review the BBB Accreditation Standards here: 

http://go.bbb.org/1 uGehkP. You may review the BBB Code of 

Advertising here: . http://go.bbb.org/1 luzut2 

Due to the nature of the concerns outlined above, we will be 

referring AmeriTech Financial to our Board of Directors for 

Accreditation review. If you would like to provide a written 

statement and documentation for our Board of Directors 

review at this meeting, please do so within ten days of the 

date of this letter. Additionally, your response, or lack thereof, 

to the concerns expressed above may be reflected in 

AmeriTech Financial's public BBB Business Review and Rating. 

If you have any questions, I may be reached at (916) 231-8929 

or enichols@sacramento.bbb.org. 

Sincerely, 

Elizabeth Nichols 

Trade Practices Specialist 

This mailing was sent to torn.knickerbocker@ameritechfinancia!.com. 

This message is being sent to you by Better Business Bureau Serving Northeast California. 

BBB Serving Northeast California 

3075 Beacon Blvd. West Sacramento, CA 95691-3462 http://wvvw.bbb.org/sacramento/ 

Tom Knickerbocker 

Executive Vice President 

AmeriTech Financial 

1101 Investment Blvd 

El Dorado Hills, CA 95762 

Email: tom .. knickerbocker@ameritechfinancial.com 

Website: www.ameritechfinancial.com 

Case 4:18-cv-00806-SBA Document 70-21 Filed 03/05/18 Page 6 of 7 

FTC-BBB-000258

Stiner Attachment U - 5 
AMERITIECH ·- ~-·F IN AN i;;: il A i.:- •-; 

1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameritechfinancial.com 

Customer SeNice: customer.service@ameritechfinancial.com 

Submit Documents: income. doc@ameritechfinancial.com 

Web: \1vww.ameritechfinancial.com 

Our Client Promise: 100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the 

personal and confidential use of the designated recipient(s) named above. If the reader of 

this message is not the intended recipient, you are hereby notified that you have received this 

document in error and that any review, dissemination, distribution or copying of this message 

is strictly prohibited. If you received this communication in error, please notify us immediately 

by repiy e-mail, and delete the original message (including attachments). All participants in 

Ameritech Financial's referral program must agree to the Terms & Conditions of the program, 

reviewable at refer.ameritechfinancial.com. 

Case 4:18-cv-00806-SBA Document 70-21 Filed 03/05/18 Page 7 of 7 

FTC-BBB-000259

Stiner Attachment U - 6 
Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 1 of 24 

Stiner Attachment V 
Greenspoon 

688-481 ·1120 

www.gmlaw.com 

June 23, 2016 

I LAW 

Via Electro11tc (enicl1olW)Y1W,t1mento.bbb1orrn Mail 

Elitfibcth Nichols, Trade Practice Specialist 

BBB Serving Northeast Califom.ia 

3075 Beacon Blvd. 

West Sacramento, CA 95691 

RE: Our Client; Arne1'iTeoh Finoncial 

our Fil; No.: 33sos,0001 

Dear Ms, Nichols: 

rrom ch~ de~!: Oi: Rohoy H ~11•1~b;i u,n, C~q. 

'rr;icio ,· ~,1rr141 $.,ud,, SL:1t, i'O'.) 

I :)t; W Cn,1 ~ Cr.• I: r.~'i,O 

fo1·_ L,,,.·, ·,~rc·lt, flt•, 11.,~ _';)3,1'1,'1 l•W 

',I~ I • ';' r. I I ?.J (Tf Ii\,,:, ii ,a) 

,:,.,i,:; n ~,%0 (i";,_ :i11 1tlo) 

~m.:.:I: r,n,,b~.r~:rnb1,·1'.;@111 r,l:1~:.1.1.i~i 

This fim1 represeots AmerlTeeh Pinru1ci~J ("AmeriTech''). Jam sencling this letter in l'espons~ to 

yow· June 7, 2016 inquiry relaying yoi.Jl' concerns about our client. My goal is to respond di1·eetly 

to those concerns a.11d hopeflllly express the ethics and conr.umer protection practices of my 

client. 

Following your 1·eview of I.his letter, it may be reassuring for my client to stop by your office and 

meet with you. The oompanyls pl'inclp1d would like to meet in person (without the need for 

attorneys from oi.ir fifitl) to follow-up and answer any fu11;her questions you may have. 

Below I will summarize lind respond. to each of your concerns, As you will soc, AmerlTcch has 

not done onythins wrong rutd u·uly cares about o.ssisting consumers. With that said AmoriTech 

will certainly work with yot1r Office to ensure that yo11r office is satisfied with the cornpany ond 

holds top ro.ting. AmeriTech considers the BBB an important resoi.1rce for both business and. 

consumers, and wants to ma\(e sure that your office fully understands its busi.t'I.Oss. 

B11el<.gtound 

Before addressing each bf the niatters in your letter, it would be helpful to provide a bl'ief 

background on both Ameritech and its owner, Brandon Frere, 

As un initial matter, AmeriTcch 'Pl'OVides document preparation .111d consulth1g Rervices to 

sti.1dent loan bo1'1'owers who need l1clp with compiling the proper paperwork to submit to the 

Depart1nent of Education so that such consumers cw1 take advantage of the various federal 

progrruns avnilablo to them. 

Boi:a R1to~ I Fl, L1ud11rd1lo 11.H Ve011 I Miami I Miami Boeoh I Ntw York I Or1endo I F>ort St. Luol11 I r , 11ob1HH I Tampm I W111t P•lfll eu,11 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 2 of 24 

FTC-BBB-000274

1 Stiner Attachment V - 1 
Elizabdh Nichols, Trade Ptactice Sp1:cialist 

June 23, 2016 

Page No. 2 

A.meriTe1.:h works with conswners who are unfruniliar or frustrated with the e isting do-ityou1solf process, m1'1 who would ;rather have someone ussist them. ArncriTccb's business tnodel 

is comparable to that of H&R Block. l-l&R Block offers tax advisor who may ass' st in filling out 

t~ documents and submitting them to tht;; IRS. While the guidance may lead to more of a refund 

thnn the consumer might have obtained without assistanc , such individuals ar only helping to 

obtain the tax r fui1ds to which th consumer is ll!ntitlcd or lower the ta."' burden in accordance 

with the law. Likewise, Ameritech is pi·oviding assistance in completing fonns that might 

otherwise seem 1,.1.nwieldy to a typical consumer. 

Ameritech docs not act or oiler to act us an intermediary b . tween the consumers and their 

creditors. Instead it provides guidance on nuvigating the appllcatio11 proc s:s: through the 

D pornnent of Educutlon, Notably, there is no negotiation that goes on when it comes to student 

loans and the D partment of Education, and the company never recei es funds fro111 consumers 

that are intendod for payment to their orcditors. 

As you may have recently 1·ead, multiple federal and state consumc1· protection agencies have 

been vcl'y critical of the US Department of Education's handling of student loans flnd its 

appointed services, The complah ts range from too much confusion or bureaucracy to cm sumers 

who ai·c scared because of abusive collection tactics. Indeed, we even unclei·sta.nd thul the DOE's 

loan s~rvieers are p~id a eon'llnission from collecting on vulnerable student loun debtors, Su.ch a 

commission process results in ove.r~o.ggressive collectors, and our client helps scared commrners 

g t through the process mote easily. 

On a pcr~onol note, t represent hundreds of clients in various highly regulated industri s. Over 

the years that l have worked with Mr. Frere, he has placi;:d groat import on compliance issues, 

requesting that 1ny firrn 1·eview and rcvhie mailers, scripts contracts a1;1 wdl as policies and 

p1·ocedures. He i:.i constantly attentive to consum~r protection issues and attends all industry 

conferences. I have taken note, and so have a number of state and fodontl regulators, of his 

artentiven1:ss as well us how he actively participates M.d focusses on clear con1m1,.1.nicatio11s with 

consmners to set expectations properly. 

COnlJ)lllillts 

The company was surprfaod to read youi· description of purported complaints against it. With that 

said, it is important to note that Amorltech has already assisted thoi1sand.s of satisfied consum.e1·s, 

So, it sounds liko there we1· some outliers who were disappointed with their C.'1'.periences. 

Assuming that the: agents follow the company's pol"ci~s and proceciut·es, specifically its scripts, 

there should be little co11fusion. o, Ameritech is going to pl·ovide additional training as a 

refresh.e1· in ca$e any agents have modified or deviated from what they were previously taught. It 

will also remind the employses of other policies and procedures so that it is clew- th t matters ai·e 

to be fully disclosed. 

More specific to your request to espond to each concern, I set thom forth below i11 italics with 

responses to each: 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 3 of 24 

FTC-BBB-000275

2 Stiner Attachment V - 2 
Elizabeth Nichols, Trade Practice Specialist 

.Tune 23, 2016 

Page No. 3 

• Complaint.mis have alleged that they are baing ,rcammed by AmeriTsch J<~tnancial. 

Tt is difficult to respond to this sweeping claim without a description of what was considered a 11scam." Perhaps there was a misunderstanding concerning the services bei!'.lg provided. 

However, Amet/Tecl, docs not collect Its fees Uiltll it completes Its wol'k co11slste11t with 

applic(lh/e laws. 

Moreover, AmeriTec:h has an extremely liberal 100% satisfaction policy to ensure that any 

complaints or issues are immediately resolved• and if any cons\Jmer hu:j any issue, stt'lff at the 

company have the discrll!tion to take whatever steps are needed to fix such issue immediately, or 

push a refund back to the consume1·. there is no resistance to this. The company has trained its 

staff that the most important aspect of it!i business is custome;r satisfaction. Such conies ahead of 

making money, because the company is in business fol' the long-term. 

• Several complainants allege they were lead to believe the p(l)lmcnts being ma,le to your 

company were going wwards thetr student loan debt, only to jil-ui out later I hat this was 1wt 1he 

case. 

This alleglltion is counter to both tho sales and verification scripts where it is clearly stated 

1nultiplo times how the program works wid how AmeriTech assists in filling out and submitting 

am,lication paperwork. All sales calls are recorded with the consumers clearly stating they 

undGrstand this fact. Jndeed, the verification scl'ipt states1 "And you undc1·stand that the charges 

we jllst discussed are not foi: any.otl:w; product or service UQ1: will any porlio11 of those amom1.ts 

be disbursed to a11y of your creditors or your swdent lorut service provider. Is that com~ct?'' 

Kindly Jet l'ne know the bOn$\lni.c1·s who assert that they believed theil' pi,yments maclo to 

A.tneri'f och were beh1g paid towotds their student loan debt so that ow· client c11n locf1te 

recordings of the calls and/or determine whether there is a pattern of the con$UI1'\ers spcaI.ing 

with the same company represe11U1tive. We will share the calls with your office if you want. 

Fl'a.nk.l:Y, this allegation is completely opposite to the business model and at1y consumers who ore 

saying this n.eed to be addressed immediately. We will uddress it intomally with the company, 

and externally to make sm·e customer service handles these customers with respect and 

explanation. 

• Complainants have also ctlleged the company made various mtslead/11g r~pra~·entattons, including: 

• claims that .AmerfTec/i Financial was a ''gove1·nmen,t company worktng d/rc:cr(v with the 

dep(1rtmem of educc1tion,· '

1 

Perhnps there were 1nisun.derstandings relating to stntements that AmeriTech assists consumers 

apply for govemment programs whei:e son1ohow tl~e consumer thinks that they al'e the 

government. The co1npany u~cs th~ DOE portal and iiubmits applicatio11s dircc.tly to the DOE on 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 4 of 24 

FTC-BBB-000276

3 Stiner Attachment V - 3 
Elizabeth Nichols, Trade Practice Specialist 

J1,1no 23, 201 o 

Page No. 4 

behalf of its custon'lers, With that said, the verification script ensures that the const1Iner 

undimitands tbat thG company is not gov01.1i.mcnt a.ffiliatcd, stating: 

And you were also informed and undenitand that AM RI ECH 

FINANCIAL is not a credit repair s rvice organization, a consumer credit 

counseling agency, a dobt settlomcnt company, a licensed real estato 

asency, a law firm your ta. advisor, your stuclent Imm. service provider, a 

governm nt agency, or affiliated with any such compru1ios, individuals or 

agencies. Is that co1-rect? 

• claims that 11.mert'l'ech coiild ''get me a lower monlhly paJmumt with my service;, if 1 

dealt with them as c>pposed to dealing with my sarvtcar on my own,· 1

' 

Such statement is riowhci-e in the serlpt o.nd the mailer accurately notes that the servke can be 

pcrfom1ed by the consuiner on their own, 

l h1; company monitors its e1nployees whil th y are o calls and is unaware of such statcn-\cnts 

being mad{,,j, 111 fact, the company heuvily monitors its employees and has not detected this 

previously. 

ArneriTech will be conducting additional ttaining for all employees to ensure thut they 

understand their responsibilities and that they will be tmmedtalely terminated if th y waiver from 

thuir scripts in a rtU\.Ilner that 1nay be misr p1·escntative of what the compony offers. 

With that said, AmeriTech's e1nployees have spoken with customer who have complained about 

their loan servicers a1:1d th ~naround that the consumers have experienced when attempting to 

consolidate their loa11s th.roush their servicers on their own. Pe1fo1ps the tclcphoue agents 

imparted that information. (which is not part of their script) to consumers. 1)1 eithc1· case1 

Amer/Te.ch ·wt/I be reminding everyone of their rflsponstbtltttes to ensw·e compliancs with the 

law and lo remt,in accredited with an A-,- BBB ,·ating. 

- claims that the sales reprtmmtative stated "you can tncliide 'anyon you car pool wtth 

bu),' presents fo)', spend money on, take out to eat, 1 etc. " as family mambers; 

Based on Amc1-i'rech's sales script ill'l.d their training, all agents are to mad the definition of 

"f~uily $ize'' ve1·butim, If a sales agent wa1;1 direetirtg cortsumers to includ anyone they carpool 

with, buy pl'escnts for, spcn.d mortey on or take out to 1a1at as "family members", then AmeriTeeh 

agi:ee1;1 that is a problem and would want any information relating to such a call a1,d 

repres ntation so that it could determine who mad that staton,ent and disehw-ge the uB:ent if still 

employed. by the comp1my. W9 wo -kcd with AmeriTech in drafting the following verbiage in 

their script: 

Tl e last thing we need is to go over family size. Family size is typically 

difte nt from what you claim as dependents on your tax return. lt is a 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 5 of 24 

FTC-BBB-000277

4 Stiner Attachment V - 4 
Elizaboth Nichols, Trade Pl'actice Specialist 

June 23, 2016 

Page No. 5 

figure that you provide for your application, determined by you, that 

ba..'lically covers the number of people that you support and who live with 

you. Again, not just depondents. I arn required to read you th~ family siz1:: 

definition: 

"Family size includes you, your spou1;e, and you .. child1·eb 

(includin; unborn children who will be born du1•jng the year 

for which you 5fi.te your family sb:e), if the children will 

receive th~ majority of their support from you now, Tt include!i 

othe\' peo1>1c that live with you that receive the majo.-ity of 

their support from you, and they will continue to receive this 

support from you for the year that you state your fnmily 1Size. 

Support includes money, gifts, lonns, housing, food, clothes, 

cor, medical and dental care, nnd payment of college costs." 

Based on that, do you have a.ny children that you pl'ovide supporl to? 

Asido from children (and spouse, if married)i do you ho.ve any other 

people who should be h1cludod in your family size? 

Ok, so the total we have is ___ (mo.1-::e 1mre this matcht:$ in SF). 

- and alatrns the company can "save you hundreds of dolla,·~· tn stud(mt loan p(Oiments by 

htmdlin~ the consolidation for you. " 

W11ile the company i.;an assist in applying fo1· programs intendecl to save cons1.uners on th~i1· 

monthly payments, the scripting and contract includes specific 01<pla1i.ation on this- that a 

consumer umay choose lo complete his/her own consolidation docurnents bosed on the 

applicable federal student loan programs and is not obligated to use a third i:,m'ty rci;;ource such us 

[AmeriTech] or pay a service fee.'• 

With that said, to the extent that a company representative made a claim nlong the lines of savir1g 

hundreds of dollars handling consolidations, it might have been take11 out of context. That is 

because AmeriTech does not simply 11ssist in Qpplying for consolidations. Indeed, m.11ny times 

the company does not even assist in applying for o. consolida.tion, but instead works with the 

consumer to apply for a repayment progtrun. 

AmodTech would only focu:9 on tlle application process for u eon~olid~tion if it would benefit 

the borrowol' to do so. Each client ha!l a catered solution based on their specific loan structi.1re 

and financial situation so they can receive the best benefit(s) b11$ed 011 thoir unique situatio11. 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 6 of 24 

FTC-BBB-000278

5 Stiner Attachment V - 5 
Elizabeth Nichols, Trade Practic Specialist 

June 23, 2016 

Page No. 6 

• In addition, we t1U1dived cm anonymous phon~ call, in which the call(:Jr explainsd that 

AmertTeah Ftnanctal sales reprssentatives are Instructed to mislead customrms and tratn.~d to 

t~ll custom1.m· ro fdlslfy their family sfzes tn 01·der to !'let a lower monthly payment 

[)10 you think this ' anonymous call'; was from an upset ex-employee or competitor who is upset 

with our client's compliance and practices? Again, this is difficult to rospond to. Sale reps are 

NEVER inatructed to mislead ci.istomers or n·ained to falsify family sizes in order to get a lower 

p1:1yn1e11t. AmeriToch has a strict enforcement policy that 1·esults in reprin1ands, up to, and 

including, tcmiim\tion for foiling to follow the app-roved cript. 

When someone makes w1 anonymous call, 1 wonder if they ute u 001npetitor trying to sabotage 

m}' cli nt. A form.er employee shotild nbt be so ooncem d to share such information if it is true. 

AI1d, again, An1criTech would want to know if there is a rogue employee not following the 

scripting so that it could propcl'ly di~chilrge that individual Ameritech has mans.gem nt on the 

floor si1pcrvisit1g and listening to calls to omn.tt·c thttt the company representatives do 1ot put 

AnieriTech in jeopardy. 

Once more, now that AmeriTech has learned of the purported comiu1 icr complaints, it is going to 

provide additional training to new al'ld old 01np\oyecs to remind them of the impo1tance in 

sticking to their scripts. 

Up-Front Feeli 

Your lotter reminds AmeriTech about tho Telemarketing Salss ul~ ("T R") and notes that the 

TSR prohibits collecting fees before settling 01· resolving a consumer's debts. It furth r asserts 

that "complainant, Timothy Jones, alleges ru1 agent 1

prompted ms to pay a 1.mm of money to 

initiate the program ... ' ' While it is certainly d fensi'blo that a com.pony assisting with document 

preparation i.s not en.gaged in d. bt adjusting (e::ven if it m ans lowol'ing amounts due or paynble), 

Amel'iTech understands that various regulators a:r taking aim at the industry and the company is 

proudly one of tho first of its kind to l'cach out to a dedicat d account provider so th11t it w0t1ld 

not collect t1pfro1tt fel;ls. 

As the President of the A sociation for Student Loan Relief (' AFSLR"), wl en 1 learned that 

some regulators were limiting up-front fee coll otion in the student loan document preparation 

arena, I advised AFSLR's membero. AmeriTech s owner is an AFSLR memb rand immediately 

wanted to learn how to set tip his company to confo1m with those paymont restrictions, and did 

so. 

Amer/Tecli does Hot collect upejhmt fees. Enclosed a~ Exhibit "A" is a copy of its Docun1cnt 

Preparation and Service Agreement which :spells out how th fees are collected. Therein, it 

spccit1cu.lly notes: 

2. l'cl'form~mce of Servlcei,. Upon reoelpt of au Information from Client~ A shall promptly 

analyze Cli~nt's Fcdcm:11 Swd nt oan debt situation, review the information provided b;y the 

Cliont, nnd oornp!ete the applii;intion forms 1•equirod for the 00 ptogram( ) that hav been 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 7 of 24 

FTC-BBB-000279

6 Stiner Attachment V - 6 
Elizabeth Nichols, Trade P1'actice Specialist 

June 23, 2016 

Page No. 7 

sol;.1cted b:y the Client. Upon completion of AF's review and due ct!ligenec:, AF shall prep,1rr:i ti'.ir 

filing with Client's lcmdor an ai:i1,He1rtion to initiate a Federal Student Loan Consolidation, and/or 

other rept1ymcnt pla11 available ro Client through the .DOE on behalf of Clieru. Where approprlCite, 

AF wiH assist in upplying for pre-oonsolidation forbearance, appl:ying for loan consolidations, 

submitting post-consolidation documont!l, applying for incomc-ba$ed rep ~cnt prog1·ami on.d 

reapplying for iitoomc-based 1·opayme11t programs. 

3. Fee!i tb1· Servlces. The oost of the prosrnrn for a client l!flrolling i~ $1 ,000.00 which is com1,rised of $200,00 as a fee for obtaining a tbrbel\l'anee und $800.00 after obtoining approval of 

ii Federal Student Lonn Consolidation, Oi' tmy other Dopartmonl of Education re1)aymer1t plan 

option on Client'~ beh11lf. Sueh fees shall be eharged to the Cliont's chosen dcc:licatcd account ii\S 

specified below upon completion of the respectivo worl<. Theteo.fter, AP will reac-h out t'lnnunlly 

to a::;sist borrowor with nny udditional student loan rr:puyrnent plan 11aods 3t (L eosr dcterminet,i e,nd 

payable a\ the time services a.re provided. 

Tho telephone agent does offer un optional, independent and separate progril.m called the 

Finllncial Education Benefitii Center (''FEBC") progl·an1 that is a fi.nru.1eiaJ cduclltion progrrun. It 

is offered separate and apart trom the document preparation prognun. If a consumer decides that 

he or sho would like to sign up for the FEBC membership progrnn11

1 then there is a one-tirne 

enrollment fee, but that has nothing to· do with the student loan program and may be signed up 

for separate and apart from the student loan application pl'ogram. 

ln terms of tho complainant, Mr. Jones, AmeriTech's Customer Service team spok.e with him and 

1·e~explained their fee structure. Heh tcr withdrew his complaint, and sent A.meriTcch an emtlil 

requesting fo1· the BBB complaint to be removed once he understood where his fees were going 

to (FEBC). The email was forwarded to t.ha case wo1-ker, Andrello. Jones-Thomas, who then 

proceeded to remove the complaint from AmeriTech's BBB pngo, 

Kindly do not confuse or report to any person or agency that our client chLt.rges upfront fcos in 

violation of the FTC's TSR. It does not, and only charges upon completion its contracted work. 

Company Aftlllatlon 

Your letter expressed concem11 that AmeriTeeh Fimmciul has partnered with Olobol Client 

Solutions, LLC ("GCS"). Fil·st of al11 I would not call it a partnership, no mofe than you or I 

would select and use a specific bank for our personal banking, like Batlle of Amedctt, OCS 

provides dedicated account payment services consistont with the FTC' s definition of a Dedicated 

Account Provider (DAP) in tho TSR. 

1 Thi!! membership includes o per$om1I finl'!11oial budgctacy analysis, aeee~$ lo the Fimmcinl Education Bl!lril!ll1l:i Center portal, accl!lsg t~1 offioiol forms and useful docullillnt~, t1eocss to printable legal doeumancs find tcmplntos, 

resunrn aticl. eover letter documentac!ol'I, tools or kei::pinll 11 budget, access co do2e1,s 01' ~ihicntionnl and usof'ul web linl(s, aoocs» to useful :financial e11.loul1.1tOr8, n three p!ll't Student Lu~ri Fir11mcil\l £di1cntion Kit how-to book ~eries, electronic l!lducatlort I video compilation, do it yourself printable fom1s, outsldi! tax ptep,irw1tion and assistance, Lifr!i J...ook identity theft protectlo1,, a Better World Club Express Road Sl!!rvlel!I mi::mber~hip, ovoryday dlsoounr bene'l1t.s solutions, as well i!I.~ orodit repah· nsslstanco through the Credit Pros Intemntlonal. 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 8 of 24 

FTC-BBB-000280

7 Stiner Attachment V - 7 
Elizabeth Nichols, Trade Practice Specialist 

June 231 2016 

~ago No, 8 

1'hero al'e only a couple of companies in the country that hav been able to roll out the specific 

dedicated account scrviccil that OCS supports, and OCS has from it11 banking side, 1~rovided a 

compliance 1·eview aii.d allowance for Arneri'teoh to be on its sy5tem. 

AmeritGch does not receiv referral fees or split any profit1;1 with GCS. 

The FTC's TSR disallows a company fi-om collecting advm1c f es prior to providing debt 

adjustment services. At tho sa111e time, w1dorsta.t1dit1g that companies m(ly nevor recoivll) payment 

for past work performed, the TSR created a special allowance for dedicated accoUrtt!l. It permits 

companies that engage in debt settlement or debt aqjusting to require ~pecial purpose accounts be 

set u.p to m.aint :tl1t fl1rtds for fees bi:lfore they m1:.1y be collected by a busit1ess. See 16 C.F.R. 310. 

That is the p1.1rpose of the Global Client Solutions, LLC nccou.nts. Notably, in s1;;tting up those 

accounts with the consumers, AmcriTech does not receive funds from its eustomers prior to 

prepru·ing and submitting the federal stude:nt loan cortsolidation application. Rather, AmeriTech 

custome1·s use an independent bank 01· bank agent, onr: in which the customer contracts directly 

with to facilitate imd udn1inister bank accounts which arG usGd by the customers to pay their 

earned fee. All consumer savings, at all tiin1:s 1 a.re under the control and ownership of the 

respective consu1ucr-ownors. Tho funds always sit h1 bauk accounts that are not Mntrolled by 

AmeriTech, and. instr:act are FDIC-in.sured to each consumeNteeount owner. 

I'tn well awru.·o of GCS's business model as a dedi1;ated account provider which has been vetted 

over the ye~u-s, Indeed; my fom handled its dispute with tho Consumer Financial Protection 

Bui·eau that you l'ef~renced in your lener. The fact is, OCS has filled a void in the debt 

adjustment industry to assist consumers set aside funds to s~ttlo debts while also ~nsuring thut 

they had sufficient funds to pay a debt adjustment company assisting them. Although the TSR 

describes and allows for the exact business n1odol that QCS provides, it seems that instead of 

directing enforcement actions against the hundreds of debt adjustment companiss in the 

marketplace, the CFPB felt it would be wisest to direct a case against the compo.ny that sets ttp 

dedim;ted accounts 'for the COrtl;ltinierl;I !irtd require that company to monitor bow and when a clebt 

aclj~1stment company's fees are earned. 

With that said, the consent 01·de1· that is described in the l'nk that you provided places very strict 

re9uirernents on OCS to ensu.te that the compuni~s with whom it is operating aro not collecting 

aclv~mced faials, The fact i~. when AmeriTech i·cached out to GCS, consicl~able due diligen.oe 

took place as OCS does Mt want to violate the consent order. lndeedi GCS required that certain 

contractual provisions be added to th consume1· contract to minimize any risk. 

GCS has proven to abide by th TSR ,,vith the utm,ost i11t~grity, with zero exceptions. They must 

be !lure that student loan work was p=rfot1ned prior to releasing any eanJ,ed funde to our client. 

GCS provides a strong com:pli11nce element to Alnetitech's business, and to look at it anyway 

differ~ntly is just plain wiong. 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 9 of 24 

FTC-BBB-000281

8 Stiner Attachment V - 8 
Ellzaboth Nichols, Trade Practice Specialist 

June 23, 2016 

Page No. 9 

Adv~rtising 

The BBB reviewed o mruler that AmeriTech pLIXpOrtedly sent to constuners. While there are o. 

couple of itera.tiona of a mailer that Ameritech sent a while back, it has sine/al moclified ils mailers 

(prior to 1·eceiving your communication), A copy of the new mailer is en.closed as Exhibit uB". 

1 would Hice to point out that the company has 11eve1· sent nutilers contait'l.ing government 

symbols which have been showri to deceive consumer11. And oven the mallet to which you are 

ref1ming contained a disclos11te mt the bottom which read: 

Disclaimer and Disclo~l.ll"c; The Company does not assume or pay cons·wner debts and 

does not provide tax advice. This is not a loan. Co:tnpany provides document preparation 

and processi1'l.g services for a fee. Company products and services arc optional imd 

mutually exclusive from es.ch other. Read and ttrtder$tlll1d all contract terrns prior to 

enrollme11t. We have many success stories but cannot guarantee Wi;uTanty or predict the 

outcome in any partic1,1lar situation. There a.re rnany free government progrruns available 

and you may apply on your own directly with the DOE tor its services without fee. We 

are not associuted or required for use. Our services arc intended to 1nt1l{e it easier and 

quicker to complete all applicntio11 fo1n1s. All st\ldent loan ussfatance plans are subject to 

londer approval. This is not a Compuny affiliated with a govenwent agency. For mol'e 

information about the programs offered please direct all questions and inquiries to [phone 

number]. 

Ploaso note that there should be no confusion over whethor AmoriTech was a.ffilh1tcd with the 

government. As noted above, the mailer that was provided to you has not been \ISed for some 

time and the front of it discloses that "[t]his is not a Compa11y affiliated with a government 

agency." 

It also clearly states that "Company provides document p1·eparation and processing services for a 

fee. ' The current mailer contains disclosures to ensure no confusion. Moreove1·, as expl~1ined 

above, even the verification script htts the consumer acknowledge that it is not a government 

progranJ. 

As for the ''Accom1t r#'' reference, the company will change it to "Reference +f'. The cttrrtnt 

mailer does Mt contain a tirnefram.e by which a consumer must response nor does it reference a 11Final Notice". And although thore is no longer a ''Final Notice," please note that at the time it 

was included, it was on mailers that we1·e follow-ups to ones that first stated, "frnportant Notice". 

The mailers were identical at the time but the final notice one was sent when it rea.lly was the 

huiit time that the company would roach out to the particular consumer. 

Even during the lirttited window in time that the mailer wasi used, the con.sun1e1· contmct 

oontttined (and still does contain) multiple $tatemcnts to make it clear that the e.ompany is private 

and not affiliated with the govQrnmont. 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 10 of 24 

FTC-BBB-000282

9 Stiner Attachment V - 9 
Elizabeth Nichols, Trude Practice Specialist 

June 23, 2016 

Page No. 10 

Business Tran:!ipa1·cmcy 

rhc location that AmetiTech operates from is in El Dorado Hills, California, whc1· it bas 

operated :iincc January 2016. Any confusion is Hk ly because-and we realized it now-the 

company's lease had not yet been assigned ft·om American Financial Bemdits Corporation which 

previou~ly sold similar services. 1:-Iowever Ameritech's business license is at t1 e El Dorado Hills 

uddress. 

AmeriT1::ch has a fully functionin sales o· lice op rating out of its El Dorado Hills corporate 

addrc~s. That is wher the compo.ny receives lmcl process mail and is usually fully operating 12 

hours a day. Enclosed 11s lt~hibit jiC" is a copy of the business license and Exhillit 111)' is the 

lease, which the company is working 011 finalizii1g an a!;lsignment of to conform with the 

o eratiotts. 

Conclusion 

I tmst that this letter satisfies the matters that you bad wanted a.ddwmed through your Jt111e 7 

letter a11Cl that our client will remain accredited with an A-I• BBB rating. Should you hav 

additional questions or concems, 1 indly let n,e know. 

Enclosures 

cc: Client 

Very Truly Yours, 

GREENSPOON MARDER, P.A. 

~lA-----

(t,1' Robby H. Bimbiium., Esq. 

For tho 'Firm 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 11 of 24 

FTC-BBB-000283

10 Stiner Attachment V - 10 
Exhibit A 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 12 of 24 

FTC-BBB-000284

11 Stiner Attachment V - 11 
AmeriTech Financial 

Document Prep~•·atlon and ervic;(a Agrcomont 

! his ervii:, A rcc1, cnt is ontllrcd into on thr.:, elate shown be.low between lhc AmcriTcch · inunr.:iul ("A ·") [uH1 the lie11t 

shown below ("ClienL''), 

Ar provides prot.:1;1ss[ng and ~upport service!! to assist consumers who arc applying for Fcdcrol Student orn1 onsolkludon 

s~rvices, and/o r other repayment plun prn~rmns rwcd lub le thrm.i h the Ot;1p1;ir(mia1H f Educati n ("D "). AF i$ a private 

coinpuny, noL i1rf11iatod with any government agency and, for a foe, will assist in MAembly and sub11tissio1 htnckml 1 rut 

commlidaLion, and/or other r1;,1puy 111 enL pion pi· -i't1ti1 docun,',;lnts, AF is not a loncle or a debt con11olioation compa11y. lt docs 

not p1•omiSI:! to improve your credit score, 

Client ,•cquestA AF to pcrto1111, in good fuith, the fo llowing servl~es, ("th¢, ervic1SS"): (a) Revltsw the liem's current Federal 

Student Lofn~ dobl sHualion, (b) I,lentify potenti al St11dcnt Loan Con!lolidation, and/or other repaymen t plw1 option~ thut 

11,~y be availabk to Cli ent from the DOE, (c Discuss potenthil optio11s whli the lie!it, and (d) fl1'1,l{lari;; arid p1·oei:ss on tl1 e 

Client's behulf, u redr;;rril St.1Jdct1t Loan om1o lidation App lication; and/or other repayment plun program application with 

the DOE after Cl icnt selects desired option, 

Now therefor,.; in <,;011:sicl~1•,1tl~1, ofthc: fo 1•ogoing and evo,·y term, covenant and condition hercatler Rel fo1th, AF and Client 

do hr.:1'(,lby unde1·sta11d, covenant and agruc to the fo llowing; 

J. Provide Complete 11nd truthful lnform11tio11, AF will provide li un t with ru1 C)Vl:li'View Ress inn limited to hi!l/her 

tfeth:rnl Stud er)( l~l.llltl d,1abt~ to !lS~ist the Client in locating options that may be available to Cli ent. Client expressly represents 

and wa r-rant~ that he/she/they will tit oll times provitl(;l AF with i1,f(Jri-riation ihai is compli.:te, ,1ecurat1.1 and t1·uc to th1.1 be .. t of 

their hiowlcdge 011d bi.iii of, 

2, Perfoll'mancc of' Services. Upoll receipt of nil ii1f rmc1tii l'i fr•um '"'JI •1H, AF sh,111 !il' l'!'lf)LI ~11 alyzc lit.:nt's Fedcri\l 

Student Loun d1,,:bL ~iL1mtio11, review the information i:iroviood by tl10 Client; and comp lete the applicution fonm required for 

th.: POE l'i'O ,·am(~) that have been Rc lcctcd by tb c licnL. Upon completion of A 's 1·1.ivi.:w Lind due uiligence, A sh1\ll 

prnpare fo r filing with Cli ent's k:ntle!' ,111 upplii.:utio11 to initiate a Fude1·e l Student Loan onRolidatioi-1, and/or other 

repflyment plan ,;ivai 1:iib lc to Client through the DOE'. 011 behalf of Cli ent, Where appropriute, A · will t1ssist in ,1pplying l'or 

1,r1,,.con~olidatio11 forbcan11we, upply.i.ng fur loun con~olid.itiol'iS, sub111itt!n i,ost•\lrJrlSOlidation d.i)cm~onts, am'>lying for 

i11co1m:-btm:d ri.:priym(;lnt p1·0 rn1ns a,,,1 1•1,;api:,lying for income-based repayment programs. 

i. Fees for Se,·vlces. The cost of the prognim for ,1 clii:1H 1,,:nrollin~ is $1,000.00 which i · -.lOL pl'lsecl of$200.00 f1~ a fee 101• 

obtaining u forbe11rnnce ,\.1'1cl $800.00 after obtaining approval of a Fodera! Studo11t Loan Coneolidution, or any other 

Depurt1,1ettt of Education repayment plan option on Client's beht1lf. Such fees sh; II b chm·gecl to the Cll !it's ohos.,, 

di;dicated account as Specified below upon com1,1 tlcm of t111a1 l'l!lSpl:lc\ivi.l wol'k, T!rn\'cafi:ur, AF wi ll \'oacb out aimiially to 

ussis1 l,gn•owc1• with any additional student loan repaym~nt plun m.:t:ds ut ti cost clt:termint:d mitt puy,1bh: 11t the tiini: ~ ·rvice:.; 

:iru provided, 

4. Dueumi:nts e1·vlce Af;lrcemcnt and Monthly Cost Autborizutlun. A· will use: u third p11rt-y pL1yml;lnL pr r,;l;lssor io cll;lbl\ 

Cli1a t1t for foc~/paymcnta and Client Sh f 11 pu.y ull pl' cc:ssir , fees nssociated with s,1ch, lient he,·by authori:rns AF to dl!lduet 

<ill puyments due 1,er thls i.ontr.tct From. the iinancial institution listed ill the 1:1.ccompunying Credit urd/A H Authorization 

o such other fi nancia l institutio.11 thilL 111ay bt: used by lier t from tlmi; t ·i time, Further, li ent a\1tho1•i:;,:es their financial 

institution to accept ,md to churge .my debit ta tllrics i1*iated 'by AmcriToch Fi nancial to C:: lient's account. This authori.zation 

for m11:1niatic withdrawal 0HceR/payrnc11t~ i~ to remain in :t'Ltll forl'.le mid e1 eel llnlil Af h s tee iv d wrlW.:11 Mtice froin 

Client of its tcm1irmlion in such bh e and such 1rranne ,,:1s to afford AF a l"aa~onabli:! oppo1tunity to act. A foe/payment 

(wbel'.h . r pulc1 by debit m· l thcr mm111g) that is not bonorcd by lhmt's ft11u11Ciill ir1scitucion for MY 1··11sOJ1 1llt1Y be sitbj et LO 

a $20.00 service Cce impos1;:cl by A (un i es~ othcrwi~e limited 01· prohibited by state law), the amount of which may be 

di:bl Led fr 111 I iant's account. 

~. Process. Once p perworl, h 1s bi:e1i 1·ecl;l lV1;?(1, proc<!ssing will begin. AF wi ll always act promptly on Client's documents 

und progrnm, Be i:l{lvis-·d that Fudcral Student· Loan onsolidution:s, uncl othr.:r rcpciyment plans cornpleMI by AF rl-lly 01~ 

ll,c l'Ld cvunt lenders for prom1,c service ·111d AF cannot be held liable ,for delayed completion. Average completion of a 

l;edr.:rol SMl1;1nt Loan on!lolidation through the D Eis usuully ninety (90 days, b~lt ·n,Qy t h: !Mger, A~· solely pr p· 1·es 

(lnd provides clocunrnnts/uppliculions for lieni's revi ew (;In d l:l f)f)l'ova l before it submits such documcnt!l to the DOE. AF 

cloc::s not 0011 trol th~ DOE a1,plication review process. 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 13 of 24 

FTC-BBB-000285

12 Stiner Attachment V - 12 
6. lndcmnlflcatlon ulld Hold l-lurmlcss. Client hereby ii rc:e:s Lo clefond tmd hold harmless AF from and againr-t . ny (.11tiims 

and liubilit>1 of any nature whntsoi;;vr:t arising out of or in connection with Cllr::rtt's failure: to timely provide requi.;stc,;,I 

int'o1'1l,!Ulon Ct~ Ar, Clicnt'R lack ofiiuthul'!r.y 01• nbilit-y to compktc tcrms of this Agroom 1H, 01~'1 ull olher t.1laim~ ndsing out 

of this Agreement or 1·e!.ning to Client's loans and othl:l' fi11[lf1(.1i-il oblig11tions, This Agreement constimte. tho e1nirc 

, reemelil between the pmtias, AF 1'1'11.'kes r\O wflrrnnty, express or implied, as to the i1mes or ~my recommc:ndation it may 

make lo Cli ent arising OL~t of this Agreement. Except for cau 'e, Client unconditionally waive~ any right of .i.c1.iot1 ug.-dnHt 

A , its offi.cens, directors, cmr,loyees, (lgenLS, brokers and nsRignuas, at lnw, i!CJ~1hy or a11 y other cause of action for fmy 

reason, directly, inJi.i·ec1ly or proximately believe(! to nrise ouL of this Agreement, for any damages of any ili.Hl.l1'1a? \ hatsocver 

1h11t Client may incur by re;;ason of Client following any rccom1-ni,;r\C:h:iilol'I ol' AF or Client's failure to fo ll ow nny 

recon-m1en,IMlo11 of Ar, whether any singular, concurri:ru or series of recommendations nre acti:,1 i1pon 01· not ucted llpon in 

whole 01· in 1~art by Cl ielit. This section shall survive a1,y tcrminutkm of this Agn:cment. 

1. Jmportnnt Limitation OH Consmmc Rights - Mandatory .Arhltr11tlon RygJtir,lu):u;nt Plcl\!1C r~nd carefully: Tn lhr.: 

cv,mt of ~my controversy, clalm or dispute between the pni"tfos arising out of or relating to this 11g1·ccmcnt or the 

breach, terminatio11, 1,fem.:~ment, interpretation, eonsiOl'l.llbiliL}' or vnliclity thercot: including any determination ofthe scope 

01· applicability of' thiR agrceme11 t to arbiLrilte, sltull be determined by arbitration In onomn County, California m· In 

the county in which the consumer reside~; in ~c otdfmcc with the Laws of the State of CQJlf'ornlu for ngr,·cnrnnts to 

be made in and to be perfomicd in Callfornin. The pa1tias ag1·ec that th~ i.lt'bill\1lio11 shull be administered by the Amel'ican 

Arbilrntion Association ("AAA") 1mrsu· 1H ro its rules tmd proccdurcA and an arbi1t·~to1· sh'111 be elected by the AAA. The 

arbitrator shall I e 11 1:utrul lmd independent and s~1a ll comply with Lhc AAA code of ethics. The award 1·enclcreJ by chr:: 

111·biLrnlor shull be fina l and shall ML b1.: subjeel to vacation or modificntion, Ji1tl rttcnl oli riv.: uwurd mudc by the arbitrator 

may be ente1•ed in ·1rty cou1i having juriRdiction ove1• the parties. If either pa1ty foi ls to comply with the .-u-J,itrnto1·1s tiMtrd, 

lh(.: injured party may ~ctirio11 the i;ir1,uit court for enforcement, The p;1rtil;!~ ogtcc thnt either party nmy brin~ claims 

against th£\ other only in his/her or It~ lndlvldunl c11p11 •lty nnd not as a plalndff 01· etas~ memhcr tu illlY ptlrportcd 

clns~ oi· rcp1·csentatlve fJrocccding. Further., the parties a r1,,1e Lhr1t the arbhrritor may not con sol idatc procecdingR , I' mo1·e 

lhnn one p1;:rson's claims, and may no~ 01b~rwilic pn:sidc owr any form or ruptasc11tntiw 01· duss pro(.1eeding, The particH 

shnll share the cost (Mt titlomeys' tees) of a!'bilrnLiOfl equally. ln the event a party fail~ to proceed with arblt1· 1tion. 

unsuccesstiJl ly ch1;1l lcnges the ·1rbil.rator's award, or fai ls to co1111,IY with the urb.itrutor's Hword, the other pruiy i!1 cntitk:d iti 

cos~s of suit, Including a rcaaonaolo titlo1·ne/s fee l'or huving to compel arbitrati on or ,1olb11d 01• en force the nwurd. Bindln~ 

Arbitration means thnt both 1m1·tics give up the rl2ht to 11 triul by n jury. It also rn~ans that both paiiics give iip the 

ri hL Lo Lippllul from the arbitrnt r's 1'l,11lng li:X(.1cpt for a norrow range of i~sue~ th:\I i.;nn 01' moy be 11ppculed, 1t ulRo means 

that discovery 1111l.,' be :si;vcrely limited by thi.; arbitrator, This :section and th e arbitration roquirc111c1H shall survive uny 

lcrminution. OPT-OUT PRO ESS: You muy choo~e to opt-out of this ArbiLrackm Provision but only by fol lowing th1,; 

process sc.:t-forth below. !!'you do not wish ro bi: ·· ubject lb this Arbitrntion Provision, then you i~ust hOLily us in writing 

within thirty (30) cal~ncli:11· dl\ys of the date of this Agreement ~n th' followini; ntldrcss; AP, Attn: Cuiltomcr Sc1•vic~, 110 I 

lnvcstnie1ll Blvd Suite 290, El Dorado Hillii, CA 95762. Your writti.;n notice must l11ch.1de yot1r name, l1ddn:ss, Lh1: dutc of 

this Agreement, ancl n sl ned :st'utemcnt that you wish to 01,r out ot' the Mbil,rution Provision. If you choose to ort oul, then 

you1· (;hoi~e will npply only to thi~ Ag1• i.:111enl. 

8, Entire ,Agree1tumt. f3y virtue of Cl icnt•~ ~ig1,ii(1.1rc below, Client ucknowli.;dgos that lic/~ho hi;is r~acl, L1nderstunds and 

Mgrccs Lo evety term, covl:na11t .ind CMlliLion of this Agrccrncnt an~! Ui·,u le/she hu:s n:ceived u true and complete copy 

hc1·cof, effeetlve on the date. below. This a reeme11! i:s the only agreement bct\1/Cl:11 the 1)a1·rl1:.1s il11d rherc is no other collateral 

11grecmcnt (oral or Wfition) between the pru"tii.;s in any ma1rni,:r rclaU11g to 1:he subject mnltcr of this agreement. If ~ny l}Ol'tion 

of this agn:c:mcnt iii httld to be invalid or L\nc:nforcenbie, the rnmaining provislo11s will remah, In cffoet. The partii:s mutually 

undcr1n11nll an'1 agree 1hut a facsimile copy si lillL~ll' or un electronic !:lignature on this: agr~ument slull be deemed M originul 

for ull luwfully cnforl:cal,11;: purposes. 

9. C1rncclilltion Policy. Clio11t may euncel lhis contract at a11y timi,; i,riot t bcl1,g C1.J'.>p1'oved for u federal Student Loan 

Consolidation, or Dr\Y other Departmi.;nt of Education rcpuyinent plun option achieved on Clicnc·~ bolrnlf, 

10. Limitntlons on Damages. Al''~ ll!1bility under this agreul11 f;lrH Ontl/o!' rclneing dirct:Lly or indiri.:clly to Client's 

J:lartici~,iitin1, Ii, the S11tdcnt Loan Conso lidatio1, Progrr m, under uny theory of liabi lity rcgar,lin. MY el1dm by che Clieric is 

limited to the amou11t of fees puid by Client to AF. The P(lrti1;:s ugl'ee to be contmctuully bound to such limitation 011 any 

damngi:s, 11.1,d t1gree not to dama1,,101· i:i1Lem1,t to n:t:over any amount in excess of such. Tl Is ectioi, shull !imvive termination. 

11. Information Auth1H'izatlon: Cliunt heroby '1i.!thoriz1;:s AF lo verify Cli ent's pa.gt and p1·ese1H ~mployine,H 01ir1 iilHS 

records for income v11rific11tlon ptirposcs tluit arc nccdi.;d to r,l'ocess Cli ent's "ed,;rnl Student Loan Consolidatio11, and/or 

otht,!1' r p·1ymr.:1H plun program available to lie, t. The information Al" obt}iinR iR only to bi.: i1scc.l i11 the proi;i;:ssing oCClicnt 's 

appli cation for a Fedeml $(u<aent L.oan Consolidation or any <)thof 1·e1,aynii::nt pi'ln program through the DOE, and AF tloei1 

1,ot pl'ovld1.: 1.11,y form of credH re-1,.1ir, crr:dlt score enhancement, 01· debt rl!l'icf, 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 14 of 24 

FTC-BBB-000286

13 Stiner Attachment V - 13 
12. Lcgul uthorl:r.atlon Form: This form wi ll serve t acknowledge that lient has ·:r lhorlz d AF to act on Client's 

behalr to a1iply for consolidt 1011 of li~nt's Federal Student ti ins, ,u,d/ r othcsr r~payment plan progr ms uvi iluble to 

Client, Client h.1s bcian adviRed that if approve ~ I' tho Fcdc!'al Student Lo.m onsolidu!iti11 , lil'H.1/or thiar repayment plan 

pro mm, Client will rc.:c ivi.: u s1 ty (60) day furlough before payml,lnts wi ll start. If Client bas uny questions r I unUttij this 

Federal tuderli' f,o,rn on olidation Progrnm, 'lien shnu ld c ntact AmeriTech Finuncinl fit I •800-792-8621 , 

13. Important Disclosure~ f1bout tl1 AmerlTech Flmmciul Services, li ent may ch s@ to complete his/her ow11 

consolidation docmm:nl b1)sod on the applicuble federal :s(l1d  nc loan programs and is not obligated to usi.: ·1 Uiii·cl party 

resourco ~\1Ch as AF or pay a service Cc , 'Plr.:,iso notll that AF does not expressly (lr impli dly warl'anty, represent or guarantee 

that it will be uble to 1·etluc~ Cliunt's total student loun clebt 01· monthly paymsnts. 

• Failure to make timllly payments, or non-puym<:: nt lo 11eru's c1·cditon1 will adversely affect th· 

er di( standing, collection efforts, Orlcl 1 ~,iy incul' more foes and interest. 

• Ii Client utilizes ii D di ·ated Account to suve J:hnds low rcls pl'ogran fi es, lient ow11 11 the funds 

ln tht: account: licnt may withdrn\.V rom A , 's service at any time without pen 1lty; iu1tl i 11;.:nt 

withdrnws fron'l Al· 's s~rvi ce, he or she will get all the n1oney i the cc u ther than fees earned 

in C0!i'Plianci: with the TSR, 

14. Dedicated S11vl.ngs Account: Client understand· thut 'II •nt Is solel In control of all saving funds for tht: purposG 

ol' pnyin8 lhr.; fci,;s due for the servic<::s t'iu AF is c ntracling to perform. lient will d sign· te •lfl 11cc unt for program 

savinga 'llmds and such ded1t:aled account is independent from A , li e11t sele ts: 

__ FDIC lm;un.:(l B., 1,k thru Global Client Solutions, LL 

_ Another account of Mr,;1'nb r's chooi. ing 

raymcnt Information 

B STGNTNG BELOW (EL · - It NT A Y OR PHYSlCALL ), I M RERV A KNOWLEDGE THAT J. HAY! 

NOT BEEN ADVlS D 13V AMERITECH FINA I , A OF ITS AGENTS, A'ND/OR F ILIATE 0 

l•OREGO A TUDENT LOA" PAYMENT TN EXCHAN E FOlt THE GOOD FAITH PAYMENT AND 

FEDERAL STUD.IC T LOAN ONSOLIDATION PROGRAM, DUllTNG nu PROCE . 'l AM Rli:SPONl'llBLE 

FOR. M KI G MY PAYM£N s, _NI) '11'/\TLT.JRE TO no O OULD 1)1 QUA.LlFV ME/US FROM 

OBTAlNJNG THE RVT R THAl' WAS ACREED UPO . T UNDERSTAND THAT l CAN PPL O MY 

OW TO CON OLIDATE MY LOANS WITHOUT THE A I TAN I• OF A.Mli:RlTECH FINANCIAL. l 

FURTHER ACKNOWT..El')QE THAT NO OU ARA Ni , .,S CONCERNlNG THE SUCC · SS HR LOAN 

CONSOUDA iION HAVE BE N PROVIDED T ME/US BY AM ·lU • H FIN N I . , AND/OR ANY OF ITS 

AGENTS, AND/OR AFl,: 11..TAiES AND A POSITIV " O' T OME lS NOT GUARA TEED. I, Till~ ONS MER, 

HAVE BE ,N E ' PLAINED THE PR R MIN FULL AND TO MY SATlS A .TION, 

ACKNOWLEDGMENT 

As inuk·11r:i,1 by my Aignaturc bi:low, I t\el 1 wl0dgc that l hnvc reud, und •rstund uni.I a rce to the terms and con<.Lltions of 

the Document flrepurnciori ,ind Scrvico Agreement, 

Client Name: _________ _ __ It ·cutcd 011 this Date: _______ _ _ 

Client SigmlCUI' : ________ ___ Date ofBh·th: ____ _ ______ _ 

Driver Llceme Numhor: _ _ _ _____ _ 

For: Alll!.!l'ITcchPhu)UCl1tl ("AF"} 

By: Thum.cw K~b-o-ck.e,rTitlc: Adtniniw·,tiv~ Roprcauntative 

ocial S ·<:urHy ur11be1·: _ ____ _ _ _ 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 15 of 24 

FTC-BBB-000287

14 Stiner Attachment V - 14 
Exhibit B 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 16 of 24 

FTC-BBB-000288

15 Stiner Attachment V - 15 
Student: Loan Dep,artm.ent 

tolJfree 

IMPORTANT NOTICE 

A.coountff:reference 

RE: Student Loan P,avment ~ firslila<i: 

a:li-1!51< 

city, st;z:p 

SfCR.1.1.!ENTO ct, 

Pi'F:lllrn1.!135 

----TteCaqm,Jrbasrdas:5EIIE!a,_-,,__,, __ ilz;.isa::fl a 11:alllll ~leldioil- ~Jll]OD!S -~-~-bam.~.i.---.-..~-~~mneadl 

....._Sae:la<ZSc,fcxandb,....-- Yiellalo!e_,.!aCESS-1:Ltca:nt_.,.,_.,,..p,Elidlb!-..il""" 

~-llmezo,.-,,IP-e~----~m-...,4'Klr-ileill0Ebils:,a1iioes --Tiis.ism!a--J:10,B11.f«aE_i;bse_;aqees1as _ _.,.,.i1 -=e.. 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 17 of 24 

FTC-BBB-000289

16 Stiner Attachment V - 16 
ATTENTIO,N: first last 

You have been irwite,dl to particip:al:e in a S<tudent loon IJl:Jcument Preparation and Processing Secvices Program. "Thi> pro!;f.am will assut yo111 io e.p;plymg for government reie:f options tllat 

can potemialJv sa...e 'fOUI 1:1\ousands on 'fOOT mrd'em kiaBS-. 

Spedal U'.:S. Department of Ed'11:catior:1 progn11ns; available may ind11de~ ✓ SO/ mcmt\h l\,'lo:rrtltl'f St udl!l'lt loan Paymerrt ✓ No Mmimum Income Reqai.-emet1t DI"" Gradit Clheck ✓ Total Loim Forg:weness Programs ✓ Mo Provam Pal'TI'lffit fuli up, to 90 days ✓ Speoal Pror;rams for Ptub!ic Service Employees 

OCOlllwmi,'ll>II el~ p1easeconradou-5:tudentloori Depa,tment\wh~ Aorowlt#: reference 

lime_ 1-·time _ 2MCJe. 

Call ToH Free toHfree 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 18 of 24 

FTC-BBB-000290

17 Stiner Attachment V - 17 
Exhibit C 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 19 of 24 

FTC-BBB-000291

18 Stiner Attachment V - 18 
C. L. RAFFETY, 0.FI.A, l'l'U!A~UI'\ RAND TAll COL~ CTOR 

!100 ~/\IA kr\NB 

~1.AO~RVIIJ.E. 01\LI~. n~M7•4W7 

(1530) eaHBO PIii!; MIi 

(!30) 573,30, 1 South Lnko Tah1;10 

Olnuniij af ~l ,aruho: 

BUSINESS LICENSE 

DflDlll!ANCi .SIIUI 

111101Vll;)UAL 

eueiniees 

LlcGni!l~ N~:,i;,1.i.~-oSG·=•?L1 

M~iNI Fl:l>11P ,, .. , '.•,ii' 

eu11ln1111t N ma ... ~)~~.~ .. :r:·rn;f.l;:!.,}Jl.'.l,~!,~9.(~L..: ............................... ,., ,., ......... .. ,. ... ,. .............. , ..... ,.,..,. 

M lllng Addre111 ... \~•.9.A .... ~.('!>:q/P'.1.~_l.,tf.. .. ~.1:-:-.Y'.P., .. ~i.'.(~ .. . ?:.W.\~ ...... .. ... ,,..,, ................. ,.,.,, ....................... .. 

City ...... ~f:·: .. R.R!~~9,9,, );!;~1.l:: :~~ .. ,lr,(~\ ... ~~?',it~. .. ... ... .. .. ... , ....................... , Phono :'?:.-:.'!: ... ?.~.~.'.'::~Nj/ .. .. 

BuRIII & Ownart (,MlGh 1h11 of 11ddlllon11I 

owner,, partnr11 or 1:orpo1111t• ttffh.1r) F' f','. E; ~r., SJ:;\.t'.!-11) Df'll 

Contr@ctor'a Lloensei Number "' , 111t11, .... . ........ , .. , .. 111 .... .. . , •••• ,.",,.,. 

aIgn11pr1 of Owner 111,, •. . ... ,., •••. ,,,,,, ,,,,;,, .•.. .. •. .• ,,1-,,,, ,,,1,,1,,, .....• ,., 

D11to ,i.,1 ...... .... . , ,,, , 1,1, ... .. , ... , ,,,,,, 1,1,.1 .. ..... .. ,.,,,1,,,, 1.,.,,,, ... ...... . 

orH 

Th• !'Ol'IIQn, 

Of th; CDUi'II),' 

paf!n11111

g/ 

lp ar oorpor1lon abovo nolii d 11 haroby or rilill  naan la • n;asa In, orry an ttr c;onduot In th unlm111rpaml11d 

p 

I Dorlilda. Onlifornll ?l111 b1.111lno11 • tr cl~, g~lllng, profol IQn. 9Mhlbll1011 or DQQYpatlon dHerlbid ~bov11 tor tl'lfl 

fiQd lndlaalad. G1'11ntlng or tl'II• IIGno dol'I, mil nlllll 1h11 llaon,H to op•r IQ or IT! lnlaln I b1,1 lr111H In vlol111ion "' ~ny oth1r IIIW 

er ardlnanoe. APP~IGATitiN OATi! !XP•11'1A'tl01'1 CIATlil 

POST IN A CONSPICUOUS PLACE 

NOT!! No Uulnn~• llganue 11111•11 101 any lllnflmnl 11u1In1AA •111111 bt vullu ln\luan •~ompnnlud by an I DotiBo Oo~n!y 11/n9rnn1 nl11l110ilf Punnll !n,uod by lhu \innrlfl of el l:iorttda Gounly, 

By I I I I I I • • • 1 I I I 

SHOP EL DORADO COUNTY FIRST 

• mp o •; •HJ F st-. 

i;: . !..., R•1flf'+1 l,y 

ORIC'IINAL 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 20 of 24 

FTC-BBB-000292

19 Stiner Attachment V - 19 
Exhibit D 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 21 of 24 

FTC-BBB-000293

20 Stiner Attachment V - 20 
REVI EWEB-·/ ~.J1RROVED $,!ANOARJlFORM9l3 LRASEA~REEMENT Int.~ 

. -f.- jFull Service GrossJ . ,... ·,(; j 

PREMISES: 

l lOJ lttvcstment Blvd., Suite 290 El Dotado Hill , C:i 

LANDLORD: 

CSS Pro1)1:t"tics, U.C 

TENANT; 

American li'iraonchll Bcmfit11 Center, u California Corporntion 

GUARANTOR(S): 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 22 of 24 

FTC-BBB-000294

21 Stiner Attachment V - 21 
l'N WTTNRSS WH.E.R.EOI', the ptu·cies have cxcQuted this l,ea.111!! :is ofth0 dates set fo rth b~low, 

By; _•..,...,.~~y' f C,£MD 

(Print Nan,c) I 

ltR: __ J..._,-..&M '?5:....-_clZ"'----- (Titk) 

Dnie: - w . I '2 . /uTENANT: 

Ame1'1c11 Financial Bc11ctit:1 Center, 

a Califi · is. corporation 

-

It~: President 

- 20 -

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 23 of 24 

FTC-BBB-000313

22 Stiner Attachment V - 22 
AGENT l~'.EPRlt~JrNTT G BOTH LANDLORI) A.NI) TENA T: 

A rMI e~t-~te ug,mt, eithi:r uetin}; direetly or through one or mor associate !lcense111s, can legally be thl! agent of 

both thi: L.nmUord <ind th¢ 1',;,!'IMt ii' a tran~actlon, hut only with the knowledge and consent of both the Landlord 

and the Tenant, In a dliul L1ijeney siP.l;Ltion, the ~ent ha!I rhe fo ll owing :i.fflrm:;itlve obllgarlons 10 both the 

Lnndlord and th Tc:nri.nt; C) fid~1ei/iry dL\fY ofl mmo~r eori!i, lmeg,rlty, honesty and loyalty In tha dealll'll!).9 with 

oitl1cl' the Lnndlord or tho 'ro1,11nt; (b) other durle~ to the Landl.ord a.nd the Tel'\nnt ns stated abov0 in their 

rcspc,ctive sections. 

In r111presonting both Land lord nnd Tennnt, the agenf may not, wtthout the ex.prc~5 permission of ihi:! r¢/lpi:oiive 

,:;iU'tY, disclostl to tht1 other pnrty that the Lr.mdlord will ~'-'c11pt prici) !;)S£; th.iin ~h¢ li~tlr1$ prl¢(.!l Of th~·t the T~t1i:\.t)t 

w\11 pay II price greater than the price offerecl. 

111~ ,1br1v1t diiii;;:; nf ;/i;; c'>l(ml In ci. rtsc7l 11,1·/alu trarc~·actlon do not rallava Cl Sulla,· or 'B1l)l~r fi•om tha rasponsibitity 

to prolm:I his or htr uw,1 iiiil.lr •st:,, You slu.iuld e:aref1.1lly nwd till agraem,mts tcJ a,v,vurr:1 t/w/ th~y adequately 

l'Xpr •s, yo11r 1,rndi:rst,111,fing 1?/ thi! tranwt•/Jon. A real es/ate a~rN1i fs a per$on qi1al('fled lo advise al1011i real 

astat~•. If !1Jgat or 1/;i;x '1dvi<,« is '1~-~ir~d. r:,m~u/1 μ c:(1mpt!t11m pmfe,,'.~lrmt1l. 

Thmi.ghout :yow· raal proparty tran.rr,ction ,vr,u ;r1,1,v r C(!/V mor: 1/tan 011 rltsclo ·ir.r~ form, depen,IIH¥ 11pon tlte 

,mmber 1~/' agents assisting In the tn:iri.~a,;;tlori, Tht /(ny ,-~(Jlt/r~s 11eich (lfflll wtrh who111 J,•,:iti have mortt than u 

casual r.!la,t9m/iip 10 presant )IO'!I with this di:!idr;JS'llti! j()i·m, You sht.1illd r •,1d ifs ,·om,mts c1'1ch rhn,1 11 ls prtj,\'tJl'Jllld 

ro ,\/'-'I.I, consfr;lering the ,·slatlonshfp bG•twee,1 )IOI! am1 thii real cstr:itr. "gc,ir 111 )!Olli' .sp"cifi<, /rcms,wtfcm, 

'rlii,~ dfaclr1,~11r1,J Jhnn Includes the p1·ovlslon.~ of Sa,·tkm.r 2079,J 3 ta 207~.24 lru;;/uslve, o/lh Clvll Coda set.forth 

011 lhf:fallowin,'.j,P,JjJ(!S, R,i:tid, IE carefully. 

\ 

_\.lj~~· l E,llll[lt nl] 

(DatD) 

- 7 -

.L,. ~LZ.: t~,.. 

(O.ite) 

Case 4:18-cv-00806-SBA Document 70-22 Filed 03/05/18 Page 24 of 24 

FTC-BBB-000327

23 Stiner Attachment V - 23 
Case 4:18-cv-00806-SBA Document 70-23 Filed 03/05/18 Page 1 of 3 

Stiner Attachment W 
Elizabeth Nichols <enichois@necal.bbb.org> 

Bureau 

RE: AmeriTech Financial [IWOV-ACTIVE.FID9610028] 

1 message 

Franklin Homer <Franklin.Homer@gmlaw.com> 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Cc: Robby Birnbaum <Robby.Birnbaum@gmlaw.com> 

Thu, Jun 30, 2016 at 5:27 AM 

Good Morning: I've reached out to the client to have them gather what you requested and expect to have it to you bv 

tomorrow or Tuesday (due to the holiday). Thank you. 

Franklin 

From: Elizabeth Nichols [mailto:enichols@sacramento.bbb.org] 

Sent: Friday, June 24, 2016 4:47 PM 

To: Franklin Homer 

Subject: Re: AmeriTech Financial [IWOV-ACTIVE.FID9610028] 

Dear Mr. Homer, 

In the response you attached, it is explained that AmeriTech Financial records all sa les ca ll s and would 

be willing to share those calls with BBB. Please provide recordings of the entire conversation(s) 

between AmeriTech's sales representative(s) and the following complainants: Patricia Eisenbarth, Da le 

Olmstead, Hollee Warlitner, Sadelia Hayward, Timothy Jones, Mary Marks, and Melissa Jimenez. 

Thank you, 

e;izabeth Nichols, Trade Practices Specialist 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

916-231-8929 

enichois@sacra men to. bbb. org 

bbb.org Start With Trust® 

Case 4:18-cv-00806-SBA Document 70-23 Filed 03/05/18 Page 2 of 3 

FTC-BBB-000334

Stiner Attachment W -1 
The information contained in this transmission may be attorney/client privileged and confidential. It is intended only for 

the use of the individual or entity named above. If the reader of this message is not the intended recipient, you are 

hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have 

received this communication in error, please notify us immediately by reply e-mail. 

Unless specifically indicated otherwise, any discussion of tax issues contained in this e-mail, including any 

attachments, is not, and is not intended to be, ''written advice" as defined in Section 10.37 of Treasury Department 

Circular 230. 

A portion of our practice involves the collection of debt and any information you provide will be used for that purpose if 

we are attempting to collect a debt from you. 

Case 4:18-cv-00806-SBA Document 70-23 Filed 03/05/18 Page 3 of 3 

FTC-BBB-000335

Stiner Attachment W -2 
Case 4:18-cv-00806-SBA Document 70-24 Filed 03/05/18 Page 1 of 5 

Stiner Attachment X 
7/6/2016 88B of Noriheasi Caliicrnia M ail - RE: AmeriTech Financial [IWOV-ACTIVE.FIO9610028) 

Better 

Business 

Bu reau 

Elizabeth Nichols <enichois@necal.bbb.org> 

RE: AmeriTech Financial [IWOV-ACTIVE.FID9610028] 

1 message 

Franklin Homer <Franklin.Homer@gmlaw.com> Wed, Jul 6, 2016 at 9:53 AM 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Cc: Robby Birnbaum <Robby.Bimbaum@gmlaw.com> 

Ms. Nichols: I thought that I had hit send on the below e-mail this morning. Per your request, please see the 

Patricia Eisenbarth and Timoth , Jones at the following link: 

I wili send you a password in a separate emai!. 

Our client has not been able to locate the 4 additional recordings requested. If/when it is able to do so, ! wiH forward 

along. 

Please not e t hat AmeriTech has identified representatives that the company had problems with. They were 

reprimanded and provided additional coaching after which time they left the company. As noted in Robby Birnbaum's 

letter, AmeriTech is actively reminding all agents of their responsibilities. In addition, they are hiring a full time 

compliance officer to make it even harder for any agents to veer outside of permitted language and scripts. 

Robby is presently out of the country, but I know that he had wanted to speak with you previously. 

Thank you, 

Franklin 

From: Elizabeth Nichois [mai!to:enichols@sacramento.bbb.org] 

Sent: Wednesday, July 06, 2016 12:50 PM 

To: Franklin Homer 

Subject: Re: AmeriTech Financial [IWOV-ACTNE.FID9610028] 

Good Morning, 

I am following up with you regarding our June 24, 2016 request for recordings. Please have your client 

provide the requested recordings before the end of the week, June 8, 2016. If we do not receive the 

requested recordings by June 8, 2016 we will provide your written response to our Board of Directors 

for review without this requested addi tional information. Please note that BBB Accreditation Standard 

4, Section A requires an Accredited business to "provide BBB with all information required to evaluate 

compliance with BBB standards." 

1/2 

FTC-BBB-000338 

Stiner Attachment X - 1 

Case 4:18-cv-00806-SBA Document 70-24 Filed 03/05/18 Page 2 of 5 
BBB of Northeast California Mail - RE: AmeriTech Financial ~WOV-ACTIVE.FID9610028] 

You may review BBB Accreditation Standards here: 

http:/iwww.bbb.org/sacramento/for-businesses/about-bbb-accreditation/bbb-code-of-business-practices-bbbaccreditation-standards/ 

Elizabeth Nichols, Trade Practices Specialist 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95591 

916-231 -8929 

enichols@sacrarnento.bbb.org 

bbb.org Start With Trust® 

The information contained in this transmission may be attorney/client privileged and confidential. It is intended only for 

the use of the individual or entity named above. If the reader of this message is not the intended recipient, you are 

hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you have 

received this communication in error, please notify us immediately by reply e-mail. 

Unless specifically indicated otherwise, any discussion of tax issues contained in this e-mail, including any 

attachments, is not, and is not intended to be, "written advice" as defined in Section 10.37 of Treasury Department 

Circular 230. 

A portion of our practice involves the collection of debt and any information you provide will be used for that purpose if 

we are attempting to collect a debt from you. 

2/2 

FTC-BBB-000339 

Stiner Attachment X - 2 

Case 4:18-cv-00806-SBA Document 70-24 Filed 03/05/18 Page 3 of 5 
7/6/2016 BBB of Northeast California Mail · RE: AmeriTech Financial [IWOV-ACTIVE.FID9610028] 

Better 

Business 

Bureau 

Elizabeth Nichols <enichol s@necal.bbb.org> 

RE: AmeriTech Financial [IWOV-ACTIVE.FID9610028] 

1 message 

Franklin Homer <Franklin.Homer@gmlaw.com> Wed, Jul 6, 2016 at 9:54 AM 

To: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Cc: Robby Birnbaum <Robby.Birnbaum@gmlaw.com> 

The password to access the recordings on the link that I just e-mailed you is 

Thank you, 

Franklin 

from: Elizabeth Nichols [mailto:enichols@sacramento.bbb.org] 

Sent: Wednesday, July 06, 2016 12:50 PM 

To: Franklin Homer 

Subject: Re: AmeriTech Financial [IWOV-ACTIVE.FID9610028] 

Good Morning, 

 

I am following up with you regarding our June 24, 2016 request for recordings. Please have your client 

provide the requested recordings before the end of the week, June 8, 2016. If we do not receive the 

requested recordings by June 8, 2016 we will provide your written response to our Board of Directors 

for review without this requested additional information. Please note that BBB Accreditation Standard 

4, Section A requires an Accredited business to "provide BBB with all information required to evaluate 

compliance with BBB standards." 

You may review BBB Accreditation Standards here: 

http://w,,vw.bbb.org/sacramenio/for-businesses/about-bbb-accredi!ation/bbb-code-of-business-practices-bbbaccreditation-standards/ 

Elizabeth Nichols, Trade Practices Specialist 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

1/2 

FTC-BBB-000340 

Stiner Attachment X - 3 

Case 4:18-cv-00806-SBA Document 70-24 Filed 03/05/18 Page 4 of 5 
16 

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7/6/20 

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Case 4:18-cv-00806-SBA Document 70-25 Filed 03/05/18 Page 1 of 1 

Stiner Attachment Y is in physical form only, and maintained in the case file at the Clerk’s 

office. 

If you are a participant on this case, this Attachment will be served in physical form. 

For information on retrieving this filing directly from the court, please see the court’s main web 

site at http://www.cand.uscourts.gov under Frequently Asked Questions (FAQ). 

This Attachment was not efiled for the following reason: 

Non Graphical/Textual Computer File (audio, video, etc.) on CD or other media. 
 

Case 4:18-cv-00806-SBA Document 70-26 Filed 03/05/18 Page 1 of 1 

Stiner Attachment Z is in physical form only, and maintained in the case file at the Clerk’s 

office. 

If you are a participant on this case, this Attachment will be served in physical form. 

For information on retrieving this filing directly from the court, please see the court’s main web 

site at http://www.cand.uscourts.gov under Frequently Asked Questions (FAQ). 

This Attachment was not efiled for the following reason: 

Non Graphical/Textual Computer File (audio, video, etc.) on CD or other media. 
 

Case 4:18-cv-00806-SBA Document 70-27 Filed 03/05/18 Page 1 of 1 

Stiner Attachment AA is in physical form only, and maintained in the case file at the Clerk’s 

office. 

If you are a participant on this case, this Attachment will be served in physical form. 

For information on retrieving this filing directly from the court, please see the court’s main web 

site at http://www.cand.uscourts.gov under Frequently Asked Questions (FAQ). 

This Attachment was not efiled for the following reason: 

Non Graphical/Textual Computer File (audio, video, etc.) on CD or other media. 
Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 1 of 84 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 2 of 84 

1 OFFICIAL TRANSCRIPT PROCEEDING 

2 

FEDERAL TRADE COMMISSION 

3 

4 

5 

MATTER NO. 1723027 

6 

TITLE AMERICAN FINANCIAL BENEFITS CENTER 

7 

DATE RECORDED: MARCH 15, 2016 

8 TRANSCRIBED: JUNE 5, 2017 

9 PAGES 1 THROUGH 83 

10 

11 

12 TELEPHONE CONVERSATION BETWEEN 

BRANDON/JESSE AND PATRICIA OLSON 

13 FTC-BBB-00343 

14 

15 

16 

17 

18 

19 

20 

21 

22 

23 

24 For The Record, Inc. 

25 (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 3 of 84 

FEDERAL TRADE COMMISSION 

I N D E X 

RECORDING: PAGE: 

Conversation between Brandon and Patricia Olson 4

 Conversation between Jesse and Patricia Olson 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 4 of 84 

FEDERAL TRADE COMMISSION 

In the Matter of: ) 

American Financial Benefit ) Matter No. 1723027 

Services ) 

------------------------------) 

March 15, 2016 

The following transcript was produced from a 

digital file provided to For The Record, Inc. on May 

19, 2017. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 5 of 84 

P R O C E E D I N G S 

- - - - -

TELEPHONE CONVERSATION BETWEEN 

BRANDON AND PATRICIA OLSON 

BRANDON: Hi, this is Brandon. How can I 

help you? 

PATRICIA OLSON: Yes, I got a letter in the 

mail regarding student loan payment reduction and 

forgiveness. 

BRANDON: Okay. Can you do me a favor and 

give me the account number that’s on the letter that 

you received? 

PATRICIA OLSON: Sure. .

 BRANDON: Okay. Patricia? 

PATRICIA OLSON: Mm-hmm. 

BRANDON: And, Patricia, while I pull up 

your information, can you tell me some basics about 

your student loans, if you’re making your payments, if 

they’re in forbearance. 

PATRICIA OLSON: Yes. I’ve been making the 

payments probably for about three years now. 

BRANDON: Okay. 

PATRICIA OLSON: They’re just automatically 

taken out of my checking account every month. 

BRANDON: All righty. And what do you think 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 6 of 84 

your balance is currently? 

PATRICIA OLSON: It’s around . 

BRANDON: Okay. And the amount of the 

payments that you’re making? 

PATRICIA OLSON: I pay, what? I think it’s 

456. 

BRANDON: Is that some sort of interest-only 

payment, or a graduated payment? 

PATRICIA OLSON: I think it’s an interestonly. 

BRANDON: Oh, okay. And how many years do 

you think that these loans were structured for? 

PATRICIA OLSON: Oh, I have no idea. I’m 

not quite sure. 

BRANDON: Okay. Let me kind of give you a 

brief description of the program. I’m going to let 

you know how it can assist the people who qualify and 

then go through a quick questionnaire and I’ll put 

together an accurate quote that’s more specific for 

your situation. Okay? 

PATRICIA OLSON: Thank you. 

BRANDON: So the letter you received, it’s 

in regards to a student loan payment reduction and 

forgiveness document preparation program, okay? And 

it allows people who qualify the opportunity to lower 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 7 of 84 

their monthly payments and find resolution to their 

federal student loans for potentially less than what 

your standard repayment is. 

And the program is actually based on your 

current situation, and the benefits that are available 

to you through the Department of Education. And in 

the program, any federal loans that need to be 

consolidated in order to qualify will be consolidated, 

and your monthly payment in the program is actually 

based on how much you owe. It’s not about -- or it’s 

not about (inaudible) it’s about your financial 

position. 

And annually we’re going to help you out 

with all your documents, so make sure that you’re 

receiving the maximum benefits that are available to 

you. 

First thing, what’s -- what’s your current 

occupation, Patricia? 

PATRICIA OLSON: I’m a surgical 

technologist. 

BRANDON: Okay. And what -- what’s the name 

of your employer? 

PATRICIA OLSON: 

. 

BRANDON: By any chance, is this a 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 8 of 84 

nonprofit? 

PATRICIA OLSON: I believe so. 

BRANDON: Okay. Let’s check that out. It 

should make a big difference for you. I’m sorry, 

of? 

PATRICIA OLSON: . 

BRANDON: ? 

PATRICIA OLSON: Uh-huh. 

BRANDON: Well, it’s dot-org, which is good. 

Okay, the website would be 

.org, right? 

PATRICIA OLSON: Mm-hmm. 

BRANDON: Okay. I believe -- I believe it 

is. 

PATRICIA OLSON: I know it’s critical 

access. I don’t know if that helps at all or not. 

BRANDON: Okay. Okay, good. So what’s your 

annual income? 

PATRICIA OLSON: . 

BRANDON: Okay. And are you currently 

married? 

PATRICIA OLSON: Yes. 

BRANDON: Okay. File your taxes jointly? 

PATRICIA OLSON: 

believe we filed. 

, I 

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BRANDON: Oh, okay, got it. 

All right. Let me go over a budget with 

you. Try to be as accurate as you can. 

PATRICIA OLSON: Okay. 

BRANDON: First thing, rent or mortgage 

payment? 

PATRICIA OLSON: Mortgage. 

BRANDON: Okay, and what do you pay monthly? 

PATRICIA OLSON: . 

BRANDON: Electric bill? 

PATRICIA OLSON: It’s . 

BRANDON: Gas bill? 

PATRICIA OLSON: That’s quite a bit. It 

runs about a week, so it’s like a month. 

BRANDON: (Inaudible) got it. Cell phone 

bill? 

PATRICIA OLSON: That’s . 

BRANDON: Groceries? 

PATRICIA OLSON: That’s about a week. 

BRANDON: Oh, per week? 

PATRICIA OLSON: Uh-huh. 

BRANDON: ? Car payment? 

PATRICIA OLSON: It’s . 

BRANDON: And how much do you spend on gas, 

car washes, auto expenses? 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 10 of 84 

. 

PATRICIA OLSON: Wasn’t that the for 

gas? 

BRANDON: Oh, sorry, okay. That was natural 

gas, so nothing for natural gas, then, right? 

PATRICIA OLSON: Oh, no. That’s included in 

the . Sorry. 

BRANDON: Okay, no problem. 

PATRICIA OLSON: Then in gas. Sorry. 

BRANDON: Got you. Got you. Auto 

insurance? 

PATRICIA OLSON: That’s 

BRANDON: . Okay, student loans, what 

were those, 1 --

PATRICIA OLSON: 156. 

BRANDON: -- 56, got it. Credit cards? 

PATRICIA OLSON: Oh, yes. That’s -- that’s 

probably around . 

BRANDON: . 

PATRICIA OLSON: Mm-hmm. 

BRANDON: Personal care? 

PATRICIA OLSON: No. Well, sundries, you 

mean? Like shampoo? a month. 

BRANDON: Yeah, it’s shampoo, stuff like 

that, okay, . 

PATRICIA OLSON: a month. 

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BRANDON: Okay. Entertainment? 

PATRICIA OLSON: Let’s say a month. 

BRANDON: Okay. And miscellaneous expenses?

 Anything we didn’t already include we can include 

here. 

PATRICIA OLSON: Oh, well, it’s kids lunches 

and stuff, that would be about a month. 

BRANDON: Okay. Okay, and next thing is 

family size. How large would you consider your 

family? So how many people are you helping out on an 

annual basis? 

PATRICIA OLSON: Four. 

BRANDON: Four? Okay. And who is your 

current loan servicer? 

PATRICIA OLSON: I don’t have -- it’s the 

Student Assistance Foundation. Does that -- that’s 

where I get my information from. 

BRANDON: And does it say Navient, Great 

Lakes, Nelnet, Fed Loan, AS, ACS --

PATRICIA OLSON: I’m not sure. 

BRANDON: Okay. 

PATRICIA OLSON: Let me see if I can find 

something. It just comes right out of my account 

every month and I don’t even get anything in the mail 

from them, so --

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 12 of 84 

BRANDON: Oh, got you. 

PATRICIA OLSON: -- I’ll have to look. 

BRANDON: Okay. Yeah, we can -- we can 

revisit that. 

PATRICIA OLSON: Okay. 

BRANDON: Give me a second. I’m going to 

place you on a brief hold, have an underwriter to look 

at your file, and then I’ll be right back. 

PATRICIA OLSON: Sounds good. 

BRANDON: Okay, hold tight. 

Hi, Patricia? 

PATRICIA OLSON: Hi. 

BRANDON: Hi. Okay. So, so far, so good.

 It’s just my calculations are coming out incorrect 

just because of the fact that we’re dealing with this 

payment that’s probably an interest -- it’s either an 

interest-only payment or it’s a graduated payment 

where it starts at a lower amount and then it 

gradually increases. If you had a payment of 156 over 

the next 20 years, you’d only put in about $37,000, so 

it wouldn’t even -- even if it was a principal-only 

payment, it wouldn’t cover everything. And do you by 

any chance know what your interest rate is? 

PATRICIA OLSON: I don’t. I was just trying 

to find out who takes money out so I can look. I’m 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 13 of 84 

sure I have something somewhere, but I thought it was 

Student Assistance. And I want to say it was a 37 --

3.74. 

rate. Okay. 

BRANDON: 3.74, wow, that’s a good interest 

PATRICIA OLSON: But I’m not --

BRANDON: Okay. 

PATRICIA OLSON: It’s been a long time since 

I’ve dealt with them. I’m still looking on my old 

account to see who --

BRANDON: Yeah, no worries, no worries.

 Let’s actually look into that. Here’s the thing. You 

qualify for a certain program because of your employer 

where it would shorten the amount of time that you 

would have to pay back into these loans. So it cuts 

it --

PATRICIA OLSON: Okay. 

BRANDON: -- by a pretty considerable 

amount, but let’s take a look at what you’re doing 

right now, just to make sure that it’s going to be 100 

percent beneficial to you. 

PATRICIA OLSON: Okay. 

BRANDON: But, yeah, it would -- it would 

cut it down. What you -- since you are employed 

through the nonprofit, you’d only have to pay 120 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 14 of 84 

payments into this program, which is basically ten 

years. 

PATRICIA OLSON: Okay. 

BRANDON: You can’t necessarily accelerate 

it, but it is -- you know, it’s going to cut it from 

about 20 years to about -- you know, cut that in half.

 So let’s do this. Let’s take a look at your loans on 

the federal database. It’s part of the process 

anyways. And then we can see what the loan amounts 

are, what type of loans they are, things of that 

nature. 

PATRICIA OLSON: Okay. 

BRANDON: Give me an email address that you 

have access to. 

PATRICIA OLSON: Okay. It’s 

@hotmail.com. 

BRANDON: Can you spell for me? 

PATRICIA OLSON: Yeah, .

 BRANDON: Okay, @hotmail. Okay. All 

right. I’m going to send you a document. It’s going 

to give me permission to look at your loans on the 

National Student Loan Database -- Data System. 

PATRICIA OLSON: Okay. Do you get credit 

for the time that you’ve already worked at a year and 

that you’ve already been paying, or does it just pick 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 15 of 84 

up from -- does 120 months pick up from now? 

BRANDON: You know, there’s a possibility.

 What we will do is when we send it to processing, we 

will request that from the Government and see what 

they say. 

PATRICIA OLSON: Okay. 

BRANDON: But it’s -- you know, it’s about a 

fifty-fifty chance. 

PATRICIA OLSON: Okay. 

BRANDON: But we will definitely mention 

that and try to see if we can get some kind of credit. 

PATRICIA OLSON: Thank you. 

BRANDON: Yeah, if you want to check your 

email, you should have that from me. Okay? 

PATRICIA OLSON: Brandon? 

BRANDON: Yes. 

PATRICIA OLSON: Document (inaudible). 

BRANDON: Yes, that’s me. Mm-hmm. 

PATRICIA OLSON: Sorry, it’s taking a minute 

to open. 

BRANDON: Yeah, no problem. Take your time. 

Do you remember creating an account for 

StudentLoans.gov or for NSLDS, any of those? 

PATRICIA OLSON: Yes, I did, and, God, it 

was so -- it was probably three years. I just -- like 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 16 of 84 

I said, you forget about it. They just take them out 

of your account. 

BRANDON: Yeah, yeah, I know. 

PATRICIA OLSON: I mean, I can look on my 

tax stuff. Here’s a (inaudible) it’s like let me find 

this and I’ll -- can you see if you can find my -- my 

stuff for my taxes? And then I’ll see what I can find 

-- there we go. Oh, it kicked me out. 

Yeah, see if it’s in there. 

Oh, it’s like open, but it’s highlighted and 

it won’t let me open. 

BRANDON: Oh. 

PATRICIA OLSON: Let me see here. There we 

go. It finally let me open it. Sorry. It took a 

minute. 

BRANDON: Not a problem. 

Okay, I think I got that back from you 

already. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. So let’s see about -- do 

you think you used this email when you created your 

account? 

PATRICIA OLSON: No. What actually happened 

is I had a complicated one that was under 

--

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 17 of 84 

BRANDON: Uh-huh. 

PATRICIA OLSON: -- @hotmail.com, and I had 

to change that a couple of years back. 

BRANDON: Oh, okay. 

PATRICIA OLSON: So that’s kind of what the 

problem is. 

BRANDON: So let’s do this. Let’s see if we 

can create an account for you --

PATRICIA OLSON: Okay. 

BRANDON: -- and just merge the information 

from your old account with your new one. Okay, so 

first thing, let’s create some security questions. 

PATRICIA OLSON: Okay, sounds good. 

BRANDON: And if you want to change any of 

these, just let me know and we’ll change them. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. And, so, first one, 

mother’s maiden name. 

PATRICIA OLSON: . 

BRANDON: Can you spell that? 

PATRICIA OLSON: -- yes. .

 BRANDON: Okay. And name of your first pet? 

PATRICIA OLSON: , .

 BRANDON: City you were born in? 

PATRICIA OLSON: . 

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BRANDON : Two words? 

PATRICI A OLSON : I 'm sorry? 

BRANDON : Is that two words, l.i and 

PATRICI A OLSON : Yes . 

BRANDON : Got it. And h i gh school mascot? 

PATRICI A OLSON : -· 

BRANDON : And a s i gnif i cant date in your 

l i f e other than your birthdate? 

PATRICI A OLSON : -· 

BRANDON : Year? 

PATRICI A OLSON : •. 

BRANDON : All right . Give me a minute whil e 

I enter all this info . 

The user name you entered is already i n use . 

Oh, huh, okay . Let's do . . . 

PATRICI A OLSON : Okay, so I f ound some of my 

tax inf ormati on here . 

BRANDON : Mm-hmm . 

PATRICI A OLSON : My b i l ling statement f or 

the Department o f Education . 

BRANDON : Uh- huh . 

PATRICI A OLSON : And I have a loan type of a 

Group A Direct Consoli dation . 

BRANDON : Okay . 

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PATRICIA OLSON: For $ at the interest 

rate of 3.625. 

BRANDON: Okay. Does it say who the company 

is? 

PATRICIA OLSON: Just U.S. Department of 

Education. 

BRANDON: Okay. Yeah, I mean, that’s the 

Government. But it’s not necessarily your loan 

servicer. Well, we’ll figure it out right now. 

PATRICIA OLSON: Okay. 

BRANDON: What is your date of birth? 

PATRICIA OLSON: . 

BRANDON: And Social? 

PATRICIA OLSON: XXX-XX-XXXX. 

BRANDON: And it’s your -- what’s your 

maiden name? Or what name would you have opened these 

-- the loans with? 

PATRICIA OLSON: Okay, 

BRANDON: Mm-hmm. 

PATRICIA OLSON: .

 BRANDON: Okay. Okay, , as in apple, 

middle name? 

PATRICIA OLSON: Mm-hmm, yep. 

BRANDON: Okay. Got you. 

PATRICIA OLSON: And 

. 

is 

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2 BRANDON : Okay . And that's your marri ed 

3 name or maiden --

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PATRICI A OLSON : That's my mai den name . 

BRANDON : Oh, that's your mai den name, okay . 

6 And what was the name o f your elementary 

7 school? 

8 

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11 

PATRICI A OLSON : -· 

BRANDON : , or one --

PATRICI A OLSON : 

BRANDON : Okay . And they have your same 

12 exact address . Gi ve me a phone number to update this 

13 wi th . 

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PATRICI A OLSON : My current phone number is 

BRANDON : Okay . Area code? 

PATRICI A OLSON : •. 

BRANDON : Got i t . 

(Bri ef pause . ) 

BRANDON : Okay . Wow, thi s i s really c l ose 

21 to the amount that you have . So what i s the amount 

22 that you gave me? How current i s that one that you 

23 j ust gave me? 

24 PATRICI A OLSON : I bel i eve 20 1 4 or ' 13 . 

25 Hang on . 1/6 of 20 13 . 

Stiner Attachment BB - 19 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 21 of 84 

BRANDON: So it went down slightly. What I 

have is $ . 

PATRICIA OLSON: Wow. 

BRANDON: (Inaudible). Okay. So you are on 

a graduated payment. And you’re with Fed Loan. 

PATRICIA OLSON: Okay. What’s -- and what 

does that mean? 

BRANDON: So Fed Loan is the actual loan 

servicer. 

PATRICIA OLSON: Uh-huh. 

BRANDON: So, you know, to monitor your 

payments, things of that nature, you go -- you would 

go to Fed Loan to do that. And it’s -- their website 

is MyFedLoan.org. So, basically, what the servicer 

is, they’re the middleman between you and the 

Government. 

PATRICIA OLSON: Mm-hmm. 

BRANDON: So what the loan servicer does, 

they aren’t necessarily the same as, you know, your 

lender for -- it’s completely different. The lender 

actually lends their own money. That’s why they’re 

called the lender. Now, the servicer, what they’re 

doing is they’re just servicing the paperwork and 

collecting an interest -- so the way they get paid is 

by collecting the interest rate. And, actually, the 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 22 of 84 

money that’s borrower -- that borrow -- that’s 

borrowed is the Government’s money. Okay? 

PATRICIA OLSON: Uh-huh. 

BRANDON: At least for -- for federally --

federally backed stuff. So for your two loans that 

you have through Fed Loan --

PATRICIA OLSON: Mm-hmm. 

BRANDON: -- you know, they’re federal 

loans, so this is the Government’s money. That’s why, 

you know, if -- if you want to go into forbearance or 

you want to defer it or whatever it is, Fed Loan’s 

more than happy to do that because what happens is, 

you know, you aren’t making payments but your interest 

is still accumulating. So that’s money -- that’s 

positive money for them, even though it seems as if 

nothing’s happening. 

Okay. So --

PATRICIA OLSON: Okay. 

BRANDON: -- you’re on a graduated payment.

 Let’s just figure out what a -- a regular principaland-interest -- and you do have 3.8 -- 3.38. Oh, that 

makes it easy. , it’s a 20-year term, 3.3 

interest. So your payment isn’t that much if it was 

fully amortized. If it was a fully amortized payment, 

it would be 242.37. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 23 of 84 

PATRICIA OLSON: Mm-hmm. 

BRANDON: That’s on a 20-year term with a 

3.38 interest rate. Okay, you want to grab a piece of 

paper and a pen, and I’ll kind of have you write down 

all these figures. 

PATRICIA OLSON: Sure. 

BRANDON: Okay. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. So on the piece of paper 

that you got, draw a line down the center so you kind 

of create a balance sheet for these. 

PATRICIA OLSON: Okay. 

BRANDON: And let’s look at the loan through 

Fed Loan. So on the left-hand side of that paper, 

just write down “current.” And then on the right-hand 

side, towards the top, write down “program.” Okay? 

PATRICIA OLSON: Okay. 

BRANDON: And under “current,” write 242 --

PATRICIA OLSON: Okay. 

BRANDON: -- times 12. Okay, times 12.

 That gives you an annual outflow of 2,908. After --

in the 20-year -- within the 20-year period of time, 

you end up putting up $ into these loans. So if 

you want to write , that would basically be the 

total cost that you’re going to end up putting into 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 24 of 84 

it. 

PATRICIA OLSON: Okay. 

BRANDON: Okay? And then through the 

program, the first 11 months your payment will be 

slightly higher. It’s basically the period of time 

where the majority of fees are covered for all the 

work that’s done. So for the first 11 months, your 

payment will be 207. So under “program,” write 207 

times 11. 

PATRICIA OLSON: Okay. 

BRANDON: And then on the 12th month, your 

payment will drop down to $126.81. So if you want to 

write --

PATRICIA OLSON: Okay. 

BRANDON: -- 6.81. And times --

PATRICIA OLSON: What is it, 126? 

BRANDON: Yeah, $126.81. 

PATRICIA OLSON: Okay. 

BRANDON: And then times 12 gives you an --

a new annual outflow of about 1,521. 

PATRICIA OLSON: Okay. 

BRANDON: And then, again, like I said 

before, you’d only have to pay into the program for 

ten years for 120 payments. So 120 payments of 126 

comes out to 15,217. So write down 15,217. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 25 of 84 

PATRICIA OLSON: Fifteen. 

BRANDON: That’s total program costs.

 That’s the money that you’re going to put into the 

program. So --

PATRICIA OLSON: Okay. 

BRANDON: -- at the end -- at the end of 

your term, the ten-year period, $ is the amount 

that’s going to be forgiven. So write --

PATRICIA OLSON: Okay. 

BRANDON: -- and that’s total saved. 

PATRICIA OLSON: All right. 

BRANDON: That’s it. Do you have any 

questions? 

PATRICIA OLSON: Nope. So will you guys 

just send me information, or what do we do from this 

point on? 

BRANDON: From this point, we would finish 

the application. There’s just a few more questions 

I’d have to ask you. We’d have to create an account 

for you on the Fed Loan site, which is fairly easy.

 And you’d have to give me a few references, and then 

we’d get the process rolling. 

More than likely you’ll stay with Fed Loan.

 Your loan stays -- you know, it’s pretty much 

structured the same except for the fact that you’re 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 26 of 84 

1 going to be in the Government program, so there’s 

2 paperwork that I need you to bring to your employer to 

3 have signed, and there’s paperwork that I’m also going 

4 to need you to print out and sign and send back to me. 

But the majority of stuff will just be signed 

6 electronically, like --

7 PATRICIA OLSON: Like I did today? 

8 BRANDON: Exactly, exactly, yep. 

9 PATRICIA OLSON: Okay. What -- would that 

be -- probably the smart way to go, wouldn’t it? 

11 BRANDON: Yeah, definitely. 

12 PATRICIA OLSON: Okay. All righty. 

13 BRANDON: Okay? All right, let’s see here. 

14 Give me a second to enter what I have so far, and then 

we’ll continue. 

16 Do you have a general address for your 

17 employer? 

18 PATRICIA OLSON: Yeah. 

.

 BRANDON: Is that Avenue or Street? 

21

22

 PATRICIA OLSON: Yep, yep. 

BRANDON: Avenue? 

23 PATRICIA OLSON: Mm-hmm. 

24 BRANDON: And I’m going to need you to think 

of two references, two people that do not live with 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 27 of 84 

you and do not live with each other. 

PATRICIA OLSON: Okay. .

 BRANDON: Okay. Can you spell ’s 

last name for me? 

PATRICIA OLSON: Sure. .

 BRANDON: And ’s phone number? 

PATRICIA OLSON: .

 BRANDON: And relationship to you? 

PATRICIA OLSON: Friend. 

BRANDON: Okay. And her address? 

PATRICIA OLSON: .

 BRANDON: Can you spell the street for me? 

PATRICIA OLSON: Sure. , .

 BRANDON: Oh, got it. Lane. City? 

PATRICIA OLSON: .

 BRANDON: And zip code? 

PATRICIA OLSON: . 

BRANDON: Okay. And second reference? 

PATRICIA OLSON: And you don’t want a 

relative, correct? 

BRANDON: No, it can be a relative. 

PATRICIA OLSON: Hmm. 

BRANDON: They just can’t live with you. 

PATRICIA OLSON: Oh, can’t live with me, 

hmm. . 

Stiner Attachment BB - 26 
2 

BRANDON : And i.l's phone number? 

PATRICI A OLSON : Oh, do you have h i s phone 

3 number? It's in my phone . Can you look in your 

4 phone? Sorry . 

5 

6 

7 

8 

9 

10 

11 

BRANDON : Yeah, no probl em. 

PATRICI A OLSON : I t ' s area code - ) . 

BRANDON : Okay . 

PATRICI A OLSON : -· 

BRANDON : And relati onshi p to i.i? 

PATRICI A OLSON : Nephew . 

BRANDON : Okay . And your nephew's address . 

12 PATRICI A OLSON : 

13 -· 

14 

15 

16 

BRANDON : Same z i p code? 

PATRICI A OLSON : Yeah . 

BRANDON : Okay . 

17 Can I have a general phone number f or your 

18 empl oyer? 

19 

20 

21 

22 

23 

24 

25 Si nce 

PATRICI A OLSON : Yeah . -· 

BRANDON : - area code? 

PATRICI A OLSON : Mm- hmm . 

BRANDON : And your dri ver's license number? 

PATRICI A OLSON : Okay . I t's XXXXXXXXXXXXX . 

BRANDON : All right . That's all good . 

I don't need to get your 

Stiner Attachment BB - 27 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 28 of 84 
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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 29 of 84 

husband’s information. Have you made your payment 

already? 

PATRICIA OLSON: It’s taken out for 

February. It hasn’t taken out for March yet. 

BRANDON: For March, okay. Have you created 

an account for Fed Loan yet? Do you know? 

PATRICIA OLSON: I -- I don’t know. 

BRANDON: Okay. 

PATRICIA OLSON: Like I said, they -- I just 

kind of forget about them because they just take the 

payment and I really don’t --

BRANDON: I know. It’s -- it’s almost --

PATRICIA OLSON: It’s like the least of my 

worries. Just -- they don’t bother me, and I don’t 

bother them, I guess. I don’t know. 

BRANDON: Yeah, that’s a good relationship, 

right? 

All right. Let’s see. I’ll -- I’ll try to 

create one. If anything, we might need to just reset 

whatever you already have. 

PATRICIA OLSON: Okay. 

BRANDON: Okay, yeah, I think you do have 

one. So let’s do this. Let’s just do the recover. 

(Brief pause.) 

BRANDON: Your email that you -- I wonder if 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 30 of 84 

the email that you created this with -- because this 

has been -- this was three years ago, huh? 

PATRICIA OLSON: Oh, yeah. 

BRANDON: So it wasn’t the .

 PATRICIA OLSON: No. It was 

@hotmail.com. 

BRANDON: Do you have access to that? 

PATRICIA OLSON: No. It was hacked, so I, 

like --

BRANDON: Oh, it was hacked, so you deleted 

it probably, huh? 

PATRICIA OLSON: Yeah. Yep. 

BRANDON: Okay. So we have to call Fed Loan 

to see if they can unlock your account for you. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. I’m going to put my phone 

on mute. You just have to tell them that you can’t 

get in and -- and then they’ll just send you something 

to reset your password. 

PATRICIA OLSON: Okay. 

BRANDON: Yeah, hold on one second. Let me 

initiate this, and then I’m going to put my phone on 

mute once they connect. 

RECORDED MESSAGE: Thank you for calling Fed 

Loan Servicing. This call may be monitored or 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 31 of 84 

recorded for quality assurance purposes. 

(Message in Spanish.) 

RECORDED MESSAGE: If you have your account 

number, press one. Or, if you would prefer to use 

your Social Security number, press two. 

You can find your ten-digit account --

(Entry made.) 

RECORDED MESSAGE: Okay. Please enter your 

Social Security number. 

(Entry made.) 

RECORDED MESSAGE: You may enter your date 

of birth using a two-digit month, two-digit day, and 

two-digit year. For example, if you were born --

(Entry made.) 

RECORDED MESSAGE: Got it. The following 

details apply to your account ending in XXXX. If you 

are a military service member, press one. Or to 

continue to the main menu, press two. 

(Entry made.) 

RECORDED MESSAGE: Your federal tax 

information is available. To hear this now, press 

one. Or to continue to the main menu, press two. 

(Entry made.) 

RECORDED MESSAGE: You may qualify for lower 

payments based on your income and family size. With 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 32 of 84 

income-driven repayment, you may qualify for payments 

as low as zero dollars per month. Visit 

MyFedLoan.org/estimator for more information. Or to 

have a link sent to your email address, press one. 

The main menu. To make a telephone payment, 

press one. To hear your account status, press two.

 For balance and payoffs, press three. If you’re 

having difficulty making payments, press four. For 

information on obtaining student loans or to learn 

more about Fed Loan servicing, press five. 

To hear your tax information, press six. To 

speak with a customer service representative, press 

zero. 

(Entry made.) 

RECORDED MESSAGE: Got it. I’ll get someone 

to help you. If you’re having trouble using our 

website or have a technical question, press one. For 

all other questions, press two, or please continue to 

hold. 

(Entry made.) 

RECORDED MESSAGE: Are you a military 

service member? You may be eligible for a reduced 

interest rate under the Servicemembers Civil Relief 

Act, or SCRA. To learn more about this and other 

benefits available to you and your family, visit 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 33 of 84 

MyFedLoan.org/scra. 

Due to high call volumes, you may have to 

wait approximately 10 to 15 minutes to connect to a 

loan counselor. If you prefer not to wait, you may be 

able to find what you need on our website, 

www.MyFedLoan.org, or by calling back at a later time. 

(Pause.) 

RECORDED MESSAGE: -- save yourself time and 

money. Sign up for direct debit, our automatic 

payment service, and get an interest rate reduction of 

.25 percent. Ask one of our loan counselors, or visit 

MyFedLoan.org/directdebit. 

(Pause.) 

RECORDED MESSAGE: Thank you for waiting.

 Due to high call volumes, you may have to wait 

approximately 10 to 15 minutes to connect to a loan 

counselor. Please accept our apologies for the delay. 

(Pause.) 

RECORDED MESSAGE: Never wait for your 

answers again. Account Access, our online account 

management tool, lets you make and track payments, 

update your contact information, and review letters 

we’ve sent to you. Visit MyFedLoan.org to get 

started. 

(Pause.) 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 34 of 84 

RECORDED MESSAGE: If you can’t afford your 

student loan payments, we may be able to help.

 Consider lower monthly payments, a different due date, 

or a temporary suspension of payments. Ask one of our 

experienced loan counselors for advice, or visit 

MyFedLoan.org. 

(Pause.) 

RECORDED MESSAGE: Your call is important to 

us. Due to high call volumes, you may have to wait 

longer than nine minutes to connect to a loan 

counselor. If you prefer not to wait, you may be able 

to find what you need on our website, 

www.MyFedLoan.org, or by calling back at a later time. 

(Pause.) 

RECORDED MESSAGE: We make it easy to manage 

your loans from just about anywhere. Visit our mobile 

site to view your balance, recent payments, and 

account summary, all from your smartphone or mobile 

device. 

(Pause.) 

RECORDED MESSAGE: Are you a military 

service member? You may be eligible for a reduced 

interest rate under the Servicemembers Civil Relief 

Act, or SCRA. To learn more about this and other 

benefits available to you and your family, visit 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 35 of 84 

MyFedLoan.org/scra. 

(Pause.) 

RECORDED MESSAGE: Due to high call volumes, 

you may have to wait longer than seven minutes to 

connect to a loan counselor. If you prefer not to 

wait, you may be able to find what you need on our 

website, www.MyFedLoan.org, or by calling back at a 

later time. 

(Pause.) 

RECORDED MESSAGE: Save yourself time and 

money. Sign up for direct debit, our automatic 

payment service, and get an interest rate reduction of 

.25 percent. Ask one of our loan counselors or visit 

MyFedLoan.org/directdebit. 

(Pause.) 

RECORDED MESSAGE: Thank you for waiting.

 Due to high call volumes, you may have to wait longer 

than five minutes to connect to a loan counselor. 

(Pause.) 

RECORDED MESSAGE: Never wait for your 

answers again. Account access, our online account 

management tool, lets you make and track payments, 

update your contact information, and to review letters 

we’ve sent to you. Visit MyFedLoan.org to get 

started. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 36 of 84 

(Pause.) 

RECORDED MESSAGE: If you can’t afford your 

student loan payments, we may be able to help.

 Consider lower monthly payments, a different due date, 

or a temporary suspension of payments. Ask one of our 

experienced loan counselors for advice, or visit 

MyFedLoan.org. 

(Pause.) 

RECORDED MESSAGE: Your call is important to 

us. We will be with you in approximately two minutes. 

Did you know you can get account details 

online? Visit MyFedLoan.org and sign in to Account 

Access to get started. 

(Pause.) 

RECORDED MESSAGE: We make it easy to manage 

your loans from just about anywhere. Visit our mobile 

site to view your balance, recent payments, and 

account summary, all from your smartphone or mobile 

device. 

(Pause.) 

RECORDED MESSAGE: Are you a military 

service member? You may be eligible for a reduced 

interest rate under the Servicemembers Civil Relief 

Act, or SCRA. To learn more about this and other 

benefits available to you and your family, visit 

Stiner Attachment BB - 35 
 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 37 of 84 

MyFedLoan.org/scra. 

(Pause.) 

RECORDED MESSAGE: Your call is important to 

us. We apologize for the wait and will be with you 

shortly. 

Did you know you can get account details 

online? Visit MyFedLoan.org --

MARIA: Thank you for calling Fed Loan 

Servicing. My name is Maria, and my employee ID 

number is 611967. And may I have your full name, 

please? 

PATRICIA OLSON: Sure. Patricia Ann 

MARIA: Okay. And we have a phone number on 

file for you of a . Is that still 

correct? 

PATRICIA OLSON: No. ( ). 

MARIA: Okay. 

PATRICIA OLSON: . 

MARIA: Okay. And I only have an email of 

.com?

 PATRICIA OLSON: No, that’s what I’m calling 

for. I need to change that and update it. 

MARIA: And go ahead. What’s that? 

PATRICIA OLSON: It’s 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 38 of 84 

@hotmail.com.

 MARIA: Okay. And then we have an address 

of ?

 PATRICIA OLSON: That’s correct. 

MARIA: Okay. And would you like to add any 

more information today? 

PATRICIA OLSON: Nope, that’s everything. 

MARIA: Okay. And what can I help you with 

today? 

PATRICIA OLSON: I just need to change my 

email and my password to log in to my account online. 

MARIA: Okay. Let me get onto your online 

account here. 

PATRICIA OLSON: Okay. 

(Pause.) 

MARIA: And you wanted to update it to your 

Hotmail address? 

PATRICIA OLSON: Yes, of @hotmail,

 please. 

MARIA: Okay. So I just sent you a 

temporary password to that email address. You should 

receive it within five to ten minutes. If not, check 

your junk or spam. It could be in there as well. We 

have a user ID for you of lowercase , capital 

. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 39 of 84 

PATRICIA OLSON: Okay. Can you say that one 

more time? I’m sorry. 

MARIA: it’s lowercase , and then a 

capital . 

PATRICIA OLSON: Okay. 

MARIA: Is there anything else I can help 

you with today? 

PATRICIA OLSON: That’s it. 

MARIA: All right. Thank you for calling.

 Have a great day. 

PATRICIA OLSON: You, too. Thank you. 

MARIA: You’re welcome. Bye. 

PATRICIA OLSON: Bye. 

BRANDON: Hi, Patricia? 

PATRICIA OLSON: Hi. 

BRANDON: Hey. Okay. All right. Let’s 

see. Okay, cool. And they sent you an updated 

password? 

PATRICIA OLSON: Yes. I got it now. I’m 

just going to log on. 

BRANDON: Okay, good. 

(Pause.) 

PATRICIA OLSON: Oh, gee, that password 

don’t match. 

BRANDON: The one that they sent you? 

Stiner Attachment BB - 38 
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10 

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2 

3 of typi ng 

4 

PATRICIA OLSON : Yeah . 

BRANDON : Try to copy and paste i t instead 

PATRICIA OLSON : Maybe I' ll do that . Al l 

r i ghty . I'm just creati ng the password now . Sorry 

6 it's taki ng so long . 

7 

8 

9 

11 

12 password? 

13 

14 

16 •· 

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BRANDON : Yeah, no probl em. 

(Pause . ) 

PATRICIA OLSON : Okay, so it l ogged on . 

BRANDON : Okay, good . 

Okay . And what d i d you create for your 

PATRICIA OLSON : It' s - · 

BRANDON : And did you - - capi tal I, or? 

PATRICIA OLSON : Yeah, capital 

BRANDON : Okay . To avoi d getting double 

18 payments, you're goi ng to want to cancel the automati c 

19 that you have with them. 

PATRICIA OLSON : Okay . When do I want to do 

21 that? 

22 BRANDON : Your f i rst payment i sn't actually 

23 goi ng to be until Apri l 1 4th, so this next upcomi ng 

24 payment that you have coming you can actuall y cancel 

that one . 

Stiner Attachment BB - 39 

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PATRICIA OLSON : How do I -- yeah, let me 

see . 

BRANDON : Gi ve me one second. I' ll see if I 

can tell you . You may be abl e to -- to do i t onli ne . 

I have one questi on for you . What is the f i rst name 

of your oldest nephew? 

PATRICIA OLSON : ~­

BRANDON : ~ ? -

PATRICIA OLSON : Uh- huh . 

BRANDON : -- or E Y? Okay, I got it. 

Paperless, not (i naudi b l e) statement . 

PATRICIA OLSON : Payments and billing . 

BRANDON : Just so you know, here's ... 

I think they just adj usted your payment to 

149 . Maybe that' s the i ncrease, s i nce you've had it 

for three years . 

PATRICIA OLSON : I see on the direct 

debi t --

BRANDON : Mm- hmm . 

PATRICIA OLSON : that says requested the 

addi tional amount o f 393 . Why woul d that be? Because 

that 153 . 44 i s what they do take out every month . 

BRANDON : That is what they take out . Oh, 

okay, got it. You know, I don't think that you can 

cancel this on thei r website . It's possible . 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 42 of 84 

PATRICIA OLSON: Okay. You got to call and 

sit for another 15? 

BRANDON: Yeah. I know, that’s horrible. 

PATRICIA OLSON: It’s painful. 

BRANDON: But -- yeah. Yeah, you’re going 

to have to --

PATRICIA OLSON: Okay. 

BRANDON: -- you’re going to have to call 

them. Let me see. Let me keep -- let’s see. It’s 

possible. 

PATRICIA OLSON: Oh, now it kicked me out.

 Dang it. 

BRANDON: Yeah. You know, I don’t think --

I don’t think you can. I think you have to call them 

to cancel that. 

PATRICIA OLSON: Okay. 

BRANDON: Automatic payments. Let me see.

 This -- maybe this will be it. 

Here we go. (Inaudible) will tell me it. 

When is your next payment due again? 

PATRICIA OLSON: The 28th of March. 

BRANDON: 28th of March, so ten days would 

be the 25th. So you -- to cancel or discontinue the 

direct debit service, you must provide a signed 

written request to cancel your direct debit service. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 43 of 84 

This request can be faxed, mailed, or emailed -- so 

you can send an email --

PATRICIA OLSON: Okay, email. 

BRANDON: Mm-hmm. And let’s see here. Do 

it as soon as you possibly can. 

PATRICIA OLSON: Well, I can do it today.

 What -- do you have the email address? I don’t see 

where you’re getting this info. 

BRANDON: Yes. Just give me one second.

 Gosh, you know what, I don’t think -- I don’t think 

that they do -- they don’t list an email address to 

use, but what they do --

PATRICIA OLSON: Okay. 

BRANDON: -- is they give you this box where 

you can enter the information. So let me just take 

you through the process that I just went through so --

I’ll give you the steps that I just -- so, billing and 

payments. Are you in billing and payments? 

PATRICIA OLSON: I just actually signed a 

loan to go the summer. 

BRANDON: Yeah, it’s going to be billing and 

--

PATRICIA OLSON: It kicked me out, and then 

I got back in, and then it -- it’s kind of acting 

silly. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 44 of 84 

BRANDON: I wonder if -- here, let me do 

this. Let me sign out, just because I’m in. You’re 

going to go -- the first thing you’re going to go to 

is billing -- payments and billing. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. Try to get in now. Maybe 

it will work. 

PATRICIA OLSON: Yeah. Okay, sign in. 

Okay, so where do I want to be in? Sorry. 

BRANDON: Go to payments and billing. 

PATRICIA OLSON: Okay. There. 

BRANDON: Okay. And then do you see where 

it says Frequently Asked Questions, FAQ? Direct 

billing FAQ? 

PATRICIA OLSON: Direct billing, un-nuh.

 I’m not seeing that. 

BRANDON: It -- it’s -- I’m sorry, it’s not 

going to be an actual section. It’s just going to 

have -- it’s going to be like a blue link that you can 

click within one of the paragraphs right there. It 

will say direct billing FAQ. It’s like a blue -- blue 

--

PATRICIA OLSON: I got view direct debit 

details. 

BRANDON: Yeah, go to that. See if it says 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 45 of 84 

a direct link at the -- as a FAQ, direct debit FAQ 

link on it. 

PATRICIA OLSON: Oh, there we go, direct 

debit, oh, thank you. Okay. 

BRANDON: Okay. So click that. And then go 

to where it says How do I cancel? It’s toward the 

bottom. Keep scrolling down. 

PATRICIA OLSON: Changes to your direct 

debit. 

BRANDON: Yeah, and then you see where it 

says --

PATRICIA OLSON: How do I cancel? Yep. 

BRANDON: Uh-huh. So click on that. 

PATRICIA OLSON: Okay. 

BRANDON: And then right -- and then on that 

--

PATRICIA OLSON: Where it says contact us? 

BRANDON: Yes. Go to contact us, exactly.

 Go to contact us. 

PATRICIA OLSON: And it says -- where do I 

put? So it says --

BRANDON: And then can you --

PATRICIA OLSON: -- can I change my due 

date? Go to which one? I’m sorry. Email? 

BRANDON: Just -- yeah, go to email. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 46 of 84 

PATRICIA OLSON: Okay. Do I type in my 

information, then? 

BRANDON: Yeah, type in all your 

information, you know, that’s pertinent to your loan. 

(Pause.) 

PATRICIA OLSON: Okay, so I want this 

addressed -- this email (inaudible) answer, direct 

debit. 

BRANDON: Mm-hmm. 

PATRICIA OLSON: Do I just put on here that 

I need to cancel? 

BRANDON: Yeah, just put you would like to 

cancel your direct debit. Put your -- put your 

address in there as well so they have that information 

--

PATRICIA OLSON: Okay. Okay. Anyway, do I 

give the reason why, or --

BRANDON: You don’t have to give a reason.

 It’s an optional thing. 

PATRICIA OLSON: So I just put I would like 

to cancel my direct debit that is scheduled for 

3/28/2006 [sic]? 

BRANDON: Correct, uh-huh. 

PATRICIA OLSON: For Patricia 

BRANDON: Yeah, and they give you ten days, 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 47 of 84 

so this is -- doing it right now is basically perfect 

timing. 

PATRICIA OLSON: Okay. Okay. 

BRANDON: And you could even follow up with 

a call, you know, just to reconfirm and say, hey, you 

know, I -- but the problem is the waiting period. So 

maybe at a different time it would be better. 

PATRICIA OLSON: Okay. 

BRANDON: And there it’s so busy. 

PATRICIA OLSON: So I just -- I don’t give a 

reason or anything else, or just send email --

BRANDON: Yeah, just -- yeah, just send it.

 Yeah. 

PATRICIA OLSON: Okay. All right. It says 

it’s going to contact the Fed Loan Servicing, so... 

BRANDON: Okay. Now, is your --

PATRICIA OLSON: Maiden name. 

BRANDON: That’s your maiden name, okay. So 

do you -- which -- I guess since you’re under --

you’re already in the system through the Government, 

you’re in there under your maiden name as well. 

PATRICIA OLSON: Yep. I just recently got 

married, so --

BRANDON: Oh, got it, got it, okay. All 

right, cool. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 48 of 84 

So let’s do this. We’re going to push your 

payment out for 30 days from today. It’s not going to 

be until April 14th. 

PATRICIA OLSON: Okay. 

BRANDON: We need to set up an account for 

automatic withdrawal on this. It has to be through a 

-- either a checking or a savings account. 

PATRICIA OLSON: Okay, I’ll give you 

checking account. So just to understand real quick --

BRANDON: Mm-hmm. 

PATRICIA OLSON: -- I am eligible for the 

program, correct? It’s the $207 --

BRANDON: Uh-huh, correct. 

PATRICIA OLSON: -- 11 months. 

BRANDON: Mm-hmm. 

PATRICIA OLSON: It will drop to 126 for 12 

months. 

BRANDON: Uh-huh. 

PATRICIA OLSON: For a ten-year repayment? 

BRANDON: 126 for the remainder, yeah. So 

you’re paying 126 for the remainder of the program.

 You’ll pay that for 120 payments. It’s not 

necessarily ten years, although it is ten years. 

PATRICIA OLSON: Okay. 

BRANDON: But the 120 payments are very 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 49 of 84 

specific. You know that -- the NSLDS -- NL -- NSLDS 

account that we created, the National Student Loan 

Data System? 

PATRICIA OLSON: Yes. 

BRANDON: That -- that’s the Government site 

that will actually start tracking it. If you look on 

each loan line, it will say TSLF accumulated payments.

 So it will start tracking your payments that have been 

-- that are registering once you start with the --

with the program. 

PATRICIA OLSON: Okay. 

BRANDON: So there’s going to be some 

Government paperwork that I’m going to give you today 

that you’re actually going to take to your employer, 

get signed, and return to me. There’s other stuff --

then there’s two other things that you’ll have to 

print out, but the majority of stuff you’re just going 

to sign electronically. Okay? 

PATRICIA OLSON: And who do I have for my 

employer sign this? My boss? My HR lady? I mean --

BRANDON: HR is ideal, but if you need to --

PATRICIA OLSON: Okay. 

BRANDON: -- just go to your boss, you can 

do that. You know, it’s --

PATRICIA OLSON: Okay. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 50 of 84 

BRANDON: -- whoever can verify that you 

work there 30 hours a week, you know? 

PATRICIA OLSON: Okay. 

BRANDON: And put an authorized name and 

extension, et cetera. 

PATRICIA OLSON: Okay. And -- and then how 

do I know if I was given credit for the five years 

that I’ve already worked at this establishment? 

BRANDON: We’re going to put that in writing 

and give that to the processing team, and then they’re 

going to basically find that out for us. They’re 

going to ask the Government -- they’ll put it in 

writing and ask the Government (inaudible) you know 

(inaudible) gosh, we should come up with something to 

show them. Do you have something that shows that you 

were -- when you started your employment? 

PATRICIA OLSON: Okay. Well, here’s a 

question -- then my second question I had for you. 

BRANDON: Mm-hmm. 

PATRICIA OLSON: So, yes, I have five years 

with the current company --

BRANDON: But only paid on the loans for 

three years --

PATRICIA OLSON: -- where I work at 

. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 51 of 84 

--

BRANDON: -- right? 

PATRICIA OLSON: Well, no, I paid in a 

little bit more. And then I also worked for the other 

nonprofit hospital here in called 

BRANDON: Oh. 

PATRICIA OLSON: -- for three or four years, 

and they were a nonprofit, I know for sure. They’re 

just for charity. 

BRANDON: Mm-hmm. 

that too? 

PATRICIA OLSON: Can you get any credit for 

BRANDON: That’s going to be a difficult 

one. 

PATRICIA OLSON: Okay. 

BRANDON: That’s going to be difficult. 

PATRICIA OLSON: Okay. 

BRANDON: Yeah, because it’s changing --

PATRICIA OLSON: Employment. 

BRANDON: -- you know, that’s -- yeah. It 

would -- so, you know, if something like that 

happened, like, say, for instance you went from where 

you’re at now back there, then we would have to 

recertify paperwork and it would change it. 

PATRICIA OLSON: Oh, so I can’t --

BRANDON: You know, it would keep it the 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 52 of 84 

same, but it would just -- we’d have to recertify that 

you’re with that new nonprofit, you know? 

PATRICIA OLSON: Okay. 

BRANDON: So I don’t -- I think that would 

be difficult. 

PATRICIA OLSON: Yes, I understand. 

BRANDON: But if we can get something -- if 

we can get something showing that you’ve worked for 

for, you know, the five 

years --

PATRICIA OLSON: Yep. 

BRANDON: -- then there’s a possibility --

see, here’s the thing. You’ve worked there for five 

years, but you’ve paid in to the loans for three-plus 

years. So it’s not necessarily that they’re going to 

credit you the five years; they’re going to credit you 

the amount of time that you paid in to the loan. So

 --

PATRICIA OLSON: Okay. 

BRANDON: -- the tracking -- the tracking of 

the amount of time that you paid in to the loans, we 

know that already; we can see that, and they can see 

that too. 

PATRICIA OLSON: Okay. 

BRANDON: So that’s -- it’s not necessary to 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 53 of 84 

show any proof of that, but it would be necessary to 

show of the employment. So if you could find 

something just showing that you’ve been employed there 

since, you know, such-and-such date --

PATRICIA OLSON: Okay. 

BRANDON: -- that would work. Okay? 

PATRICIA OLSON: That sounds great. 

BRANDON: Yeah, definitely. 

PATRICIA OLSON: Okay. Do you need a 

checking account number? Correct? 

BRANDON: Yeah. Let me get your bank name 

first. 

PATRICIA OLSON: Sure. Heritage Federal 

Credit Union. 

BRANDON: And routing number? 

PATRICIA OLSON: Okay, XXXXXXXXX 

BRANDON: Okay, and account number? 

PATRICIA OLSON: XXXXXXX. 

BRANDON: Okay. 

PATRICIA OLSON: And that’s my checking 

account. 

BRANDON: Okay, got it. 

PATRICIA OLSON: And that’s probably better 

to do it that way than a debit card in case it gets 

compromised, correct? 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 54 of 84 

BRANDON: Yes. (Inaudible) so. 

Let me see here. I think we have 

everything, but for some reason, it’s not allowing me 

to -- out of the -- the family size of four, how many 

of the four are children? 

PATRICIA OLSON: Two. 

BRANDON: Two? Okay, got it. 

Okay, I think I have everything, but let me 

put you on a brief hold. I’m going to get an 

underwriter to approve this and then send it to the 

document team. Okay? 

PATRICIA OLSON: Sounds good. 

BRANDON: Okay, hold tight. 

(Brief pause.) 

BRANDON: Okay, Patricia? 

PATRICIA OLSON: Yes. 

BRANDON: Okay, you want to open your email.

 You should have the documents in there. 

PATRICIA OLSON: Okay. 

BRANDON: And I’m going to go over these 

with you. 

PATRICIA OLSON: Give me just one sec. 

BRANDON: Take your time. I’m still opening 

them too. 

PATRICIA OLSON: And just so you know, my 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 55 of 84 

phone’s down to 8 percent. 

BRANDON: Oh, wow. 

PATRICIA OLSON: (Inaudible). 

BRANDON: Okay. Yeah --

PATRICIA OLSON: It’s connected, but just in 

case it does. 

BRANDON: Okay. I still have to send you to 

a verification department, so --

PATRICIA OLSON: Okay. 

BRANDON: -- let’s try to get through this, 

and then I’ll punch you in to them. 

PATRICIA OLSON: Okay. Sounds good. 

BRANDON: Okay. Tell me when you get to the 

very first page. 

now. 

PATRICIA OLSON: Yeah, it’s logging on right 

BRANDON: Okay. 

PATRICIA OLSON: Okay. View and sign 

documents, or is this one I already opened? No? 

BRANDON: Uh-huh, yeah. The most recent one 

should be the one -- it should say required 

documentation and instructions, first page. 

PATRICIA OLSON: Okay, yeah, it’s opening. 

Okay. So I just read (inaudible). 

BRANDON: I’m going to go -- I’m going to go 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 56 of 84 

through them with you. 

PATRICIA OLSON: Okay. 

BRANDON: So required documentation and 

instructions, these are the documents that I need you 

to return to me. So income-based federal form --

PATRICIA OLSON: Okay. 

BRANDON: -- this is the IBR form. You’re 

just going to print that out, sign it, and return it.

 You don’t need to put your spouse’s signature. Okay? 

PATRICIA OLSON: Okay. 

BRANDON: Next one, general forbearance 

request federal form, you’re just going to print that, 

sign it, and return it. 

PATRICIA OLSON: Okay. 

BRANDON: Pay stubs for a month, and most 

recent 1040, okay. And then right below that, you’ll 

see employment certification for public service loan 

forgiveness, federal form. This is what you’re taking 

to your employer. 

PATRICIA OLSON: Okay. 

BRANDON: Now, all of these documents I’m 

going to send you in a separate email in a PDF to make 

it easy for you, okay? 

PATRICIA OLSON: Sounds good. 

BRANDON: So you’ll get -- you’ll get that 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 57 of 84 

from -- before I transfer you. Next page, it goes 

over how to return it. You can either email it if you 

scan it, or you can fax it or mail it. It’s up to 

you. Do whatever you --

PATRICIA OLSON: Okay. 

BRANDON: -- whatever you feel is best. The 

next one, it should say public service loan 

forgiveness. This is a document that you take in to 

your employer, okay, and they’re going to sign page 2 

of 6, which is the next page. 

PATRICIA OLSON: Okay. 

BRANDON: You’ll see at the bottom it says 

authorized official name, title, signature. I’m going 

to give you my direct line before we hang up, and then 

if you ever have questions about the documents, just 

feel free to call me. 

PATRICIA OLSON: Okay. 

BRANDON: Next one is the income-driven plan 

request. It’s the IBR form. It might be cut off at 

the top there. It should say Borrower Identification 

at the top. This one you’re just going to print out, 

sign, and return. Do not date it. 

PATRICIA OLSON: Okay. 

BRANDON: And your husband does not need to 

sign this either, even though there’s a section --

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 58 of 84 

PATRICIA OLSON: Okay. 

BRANDON: -- for him to sign. So keep 

going. Scroll all the way down to where it says 

General Forbearance Request. So this is a general 

forbearance request. We’re going to put your loans in 

administrative forbearance, just to give us time to do 

all the work that we have to do. Okay. 

PATRICIA OLSON: Okay. 

BRANDON: Okay, go to the next one. It’s 

just going to be a company letterhead to give some 

basic information. It has your account number, lets 

you know all the information that’s going to come 

next. Okay? 

PATRICIA OLSON: Okay. 

BRANDON: Next thing is National Student 

Loan Data System access. This is what gave me 

permission to look at your loans on NSLDS, same exact 

thing. 

PATRICIA OLSON: Okay. 

BRANDON: Next thing is the document 

preparation and service agreement. And on here will 

be all the basic information that we filled out, so 

employment information, references, et cetera. Okay. 

Next thing is going to be the privacy 

policy. So we won’t share your information with 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 59 of 84 

anyone except for the Department of Education and the 

loan servicer. That’s it. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. Next thing is notice of 

cancellation. It’s an at-will program, so you aren’t 

forced to be in it. You can cancel at any time. It’s 

completely up to you. 

And next thing is complaint policy. If you 

ever have a complaint about myself or anyone else 

within the company, you can initiate it that way. 

Next thing is limited power of attorney.

 This is just so that we can act on your behalf and do 

everything. 

Next thing is Financial Education Benefit 

Center program enrollment. This is a program that 

you’ll have access to that will give you certain 

benefits within the company. This is an email that 

I’ll send to you later and you go on here and create 

an account when you get time. Okay. 

PATRICIA OLSON: Okay. 

BRANDON: And it’s going to kind of break 

every -- the benefits down. It also breaks down all 

of the -- it gives a little bit more detail and breaks 

things in legal terms. You’ll get a copy of this, so 

if you want to read through it (inaudible) you could 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 60 of 84 

definitely do that. 

PATRICIA OLSON: Okay. 

BRANDON: Then there’s going to be a 

statement of your income, what your gross annual 

income is, and we adjusted that down, I believe, 

taking out 401(k) and health insurance. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. Notice of cancellation, 

same thing, we went over that. Document preparation 

and service agreement. This, again, is just breaking 

everything down in legal terms. Okay. 

And Global Client Solutions. This is 

basically the escrow account that’s going to hold 

everything until the work is complete. So every 

dollar that you put into the program will be held 

through Global Client Solutions. Okay. And they’ll 

kind of break everything down payment-wise and things 

of that nature on this as well. 

And the last thing is the referral program.

 It kind of goes over the different credits that you’ll 

receive if you do refer anyone to Ameritech. Okay. 

PATRICIA OLSON: Okay. 

BRANDON: And the verification department 

will go over that with you as well. And then the very 

last thing should be the monthly budget, and if you 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 61 of 84 

want to check through that and make sure that 

everything is correct and --

PATRICIA OLSON: Looks good. 

BRANDON: -- we have everything already 

there. Okay, so I just sent you the FABCT 

information, and then next I’m going to send you the 

referral information. Actually, the verifier is going 

to go through all that with you. 

PATRICIA OLSON: Okay. 

BRANDON: Okay. And if you want to just go 

through there and sign or initial anywhere it asks you 

to do so, and then once it sends me a copy, I’ll send 

you the ones that I need you to print and take to your 

HR department. 

PATRICIA OLSON: Oops. Okay. 

All righty. They should all be there. Oh, 

wait, one more. Yep, we’re finished. 

Okay. 

BRANDON: All right. I just got them back.

 Let me check the portion out that I need to have you 

sign. And I’m going to send this to you. It’s going 

to be titled PSLF. So this will be the document --

the document that you’re going to take to your HR 

department. 

PATRICIA OLSON: Okay. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 62 of 84 

BRANDON: Okay. And then my direct line is 

within my signature of the email that I’m sending to 

you. It says direct line. 

PATRICIA OLSON: Okay. 

BRANDON: It gives my number. If you need 

to contact me with help with the paperwork or anything 

at all, always feel free to call me on my direct line, 

okay? 

PATRICIA OLSON: Okay. Thank you. 

BRANDON: All right, yeah, it was good 

talking to you, Patricia. So hold tight for a second 

while I get you into them, and then, again, any 

questions with the paperwork or help filing it or 

whatever it may be, just give me a call so I can help 

you. Okay? 

PATRICIA OLSON: Sounds good. Thank you. 

BRANDON: Okay. Thank you. Hold tight.

 Let me get you in there. 

(Pause.) 

JESSE: Thanks for calling. You’ve reached 

verification. This is Jesse speaking. 

BRANDON: Hey, what’s up, Jesse? I got 

Patricia on the phone. FEBCT is done. I 

sent her the referral info, but they said they -- they 

want you guys to go over that. And web portal, she’s 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 63 of 84 

all good. Everything is clean. 

JESSE: All right, one second. 

BRANDON: Are you not seeing it? I could 

send it to you. 

JESSE: All right, go ahead and put her 

through. 

BRANDON: Okay, you got her? 

JESSE: Yeah. 

BRANDON: All right. Three, two, one. 

JESSE: Thanks for calling. You’ve reached 

verification. This is Jesse speaking. 

BRANDON: Hey, what’s up, Jesse? I got 

Patricia Eisenbarth on the phone. FEBCT is done. I 

sent her the referral info, but they said they -- they 

want you guys to go over that. And web portal, she’s 

all good. Everything is clean. 

JESSE: All right, one second. 

BRANDON: Are you not seeing it? I could 

send it to you. 

JESSE: All right, go ahead and put her 

through. 

BRANDON: Okay, you got her? 

JESSE: Yeah. 

BRANDON: All right. Three, two, one. 

JESSE: Hello, Patricia? 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 64 of 84 

PATRICIA OLSON: Hi. 

JESSE: Hi, my name is Jesse. I’m with the 

verifications department. I’m going to be doing your 

verification here shortly. I just need to put you on 

a quick hold while I gather all your documents real 

quick. 

PATRICIA OLSON: Sure. 

JESSE: And I’ll be back on the line so we 

can verify all the information. Okay? 

PATRICIA OLSON: Sounds good. 

JESSE: All right. Thanks for your 

patience. 

(Pause.) 

JESSE: Okay, Patricia? 

PATRICIA OLSON: Yes. 

JESSE: Okay, thanks for holding. So, 

again, for the record, my name is Jesse, and today is 

March 15th, 2016. And I am going to be recording this 

call to confirm and verify the enrollment with 

Ameritech Financial --

PATRICIA OLSON: Okay. 

JESSE: -- as well as being able to activate 

any necessary accounts to obtain access to your 

student loan information. So please answer my 

questions with a clear yes or correct. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 65 of 84 

PATRICIA OLSON: Okay. 

JESSE: And in case we get disconnected, 

please verify your phone number. The number I have on 

file for you is . Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: Okay. And do you have any alternate 

number that you could also be reached? 

PATRICIA OLSON: No, that’s the only one. 

JESSE: Okay. So if you have any questions 

in regards to the information that we cover, it is my 

job to simply transfer you back to your representative 

for further clarification. 

PATRICIA OLSON: Sounds good. 

JESSE: And, first, do you consent to this 

call being recorded or monitored? 

PATRICIA OLSON: Yes. 

JESSE: All right. So I got the information 

here, Patricia, back from your account specialist.

 Everything looks good on the application. I was able 

to successfully log in to your FSA account. So your 

login and the password, they both work. 

I do see that your servicer is Fed Loans, 

which I was also provided with the web portal, so I 

was able to successfully log in to that as well. So 

we know that that’s already been established. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 66 of 84 

The next part from here will be the -- you 

do need access to your computer. Do -- are you -- do 

you have access to one right now? 

PATRICIA OLSON: Yes. 

JESSE: Okay. 

PATRICIA OLSON: I do. 

JESSE: So I’m just going to send you an 

email to help you -- to help you register for -- with 

the Ameritech Financial Fed -- referral program. 

PATRICIA OLSON: Okay. 

JESSE: Which is going to be easy. I’m just 

going to send you the email. Once you receive that, 

let me know, and then I’ll walk you through the two 

little steps so we can get that completed. So I’m 

going to send it to you now. 

PATRICIA OLSON: Okay. 

(Pause.) 

JESSE: All right, so I just sent that. 

PATRICIA OLSON: I haven’t -- get it, got 

it. Let me check the junk. 

JESSE: Okay. 

PATRICIA OLSON: Nothing there. Did you 

send it to the ?

 JESSE: Yes. Let me try that one more time.

 Maybe... 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 67 of 84 

PATRICIA OLSON: I’ll try and refresh.

 Okay, there we go, Jesse. 

JESSE: All right, awesome. So what you 

want to do is just go ahead and -- we’re going to go 

ahead and open the email. 

PATRICIA OLSON: All right, yep, okay. 

JESSE: In the email, where you see your 

name, pretty much at the top, if you scroll -- if you 

just go down all the way to the bottom, you’re going 

to see two different PDFs attached to the email. 

PATRICIA OLSON: Yes. 

JESSE: Which kind of goes off the referral 

program, kind of shows what you can use as far as 

social media; you can use emails Facebook, Twitter, 

(inaudible) suggest a referral, get shareable URLs and 

things like that --

PATRICIA OLSON: Uh-huh. 

JESSE: -- so you can get paid a $25 credit 

for every referral that calls in and signs up with us 

pretty much. 

PATRICIA OLSON: Right. 

JESSE: And the second PDF, you’re going to 

find the referral program and questions and answers.

 It pretty much goes over what everything is, what it 

does and what benefits come with the program. So, I 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 68 of 84 

mean, what I’m going to do now is just help you 

register to the program. So instead of registering, 

we’re just going to log in. So right now, what you 

want to do, if you look at the email at the top, where 

it says how do I get started, I believe it’s about the 

third paragraph down. 

PATRICIA OLSON: Okay. How do I get --

scroll back down? 

JESSE: If you look there at the bottom, 

towards your right-hand side, there’s a link that says 

referred that -- AmeritechFinancial.com. 

PATRICIA OLSON: What -- what link am I 

looking for? 

JESSE: Right where it says how do I get 

started, after that, it says It’s easy after your 

representative assists you in creating an account, log 

in to, and we have that link that says “refer.” That 

AmeritechFinancial.com. 

PATRICIA OLSON: Yes. 

JESSE: And we just click on that one. 

PATRICIA OLSON: (Inaudible). 

JESSE: Yeah. It will take you directly to 

the website. 

PATRICIA OLSON: It’s not, like, coming in 

blue. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 69 of 84 

JESSE: Oh, it didn’t come up -- I wonder 

why --

PATRICIA OLSON: Un-nuh. 

JESSE: -- that keeps happening. Let me see 

if I can just send you the link real quick. 

PATRICIA OLSON: Okay. 

JESSE: Just by itself. I wonder why it’s 

doing that. 

Okay, so I’m sending you the link now. It’s 

just -- it’s just going to be by itself, so you can 

just click on and then take you directly to the 

website. 

PATRICIA OLSON: Hmm. 

JESSE: Sometimes you do have to hit the 

refresh button. 

PATRICIA OLSON: Okay. 

JESSE: It’s just weird. Sometimes you got 

to --

PATRICIA OLSON: Okay. Okay, I got your 

link. 

JESSE: Okay, awesome. 

PATRICIA OLSON: So I’m logging -- basically 

it’s telling me it needs to be blocked. 

JESSE: Oh, it was? Okay, yeah, sometimes 

that happens. Maybe that’s why it’s not coming up 

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(i naudi b l e) . Link on that email . And j ust l et me 

know when you get to the websi te . 

PATRICI A OLSON : Okay . 

JESSE: Al l r i ght? 

PATRICI A OLSON : (I naudi ble) share with 

fami ly, f riends, earn $25, enter your email address . 

JESSE: Yeah, so r i ght there, instead o f 

regi steri ng, which i s goi ng to log in, I already put 

all your inf ormati on, so you're just goi ng to want to 

put your emai l address . That' s goi ng to be your 

logi n, the whole - -

PATRICI A OLSON : Okay . And what the 

password is. 

JESSE: The password we're goi ng to use is 

goi ng to be the same one that you use f or your FSA ID, 

so i t's going to be the 

PATRICI A OLSON : The 

JESSE: Yeah . And then i t's going to be all 

capi tal l etters, • · 

PATRICI A OLSON : • . 

JESSE: And then - - and then after the I, 

you're going to have number · 

PATRICI A OLSON : Okay . 

JESSE: • · 

PATRICI A OLSON : ... 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 71 of 84 

JESSE: . 

PATRICIA OLSON: Okay. 

JESSE: And then just go ahead and hit “log 

in.” 

PATRICIA OLSON: Okay. 

JESSE: The next page you’re going to see is 

going to be another picture with your hands making a 

heart that says care enough to share. 

PATRICIA OLSON: Email tokens? 

JESSE: Yeah. So the email token should be 

in your inbox as well now. It should say something 

like confirmation email, and it’s going to be a token 

that’s created out of numbers, letters, and a couple 

of signs here and there. It’s a very long number. 

PATRICIA OLSON: And it’s in my inbox? 

JESSE: Yeah. 

PATRICIA OLSON: In my email? 

JESSE: Yeah. It should be there as a email 

confirmation. Email. 

PATRICIA OLSON: I don’t see it (inaudible).

 Okay. Oh, send me a link? Is that what I want to do? 

JESSE: What was that? 

PATRICIA OLSON: I opened up that 

verification email, and it says send me a link or --

JESSE: Yeah. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 72 of 84 

PATRICIA OLSON: -- (inaudible). 

JESSE: So you can -- yeah, so if it’s not 

provided there yet, it will -- you will receive it if 

you -- if you go over there. Usually, what I tell my 

clients is just to copy and paste the token and put it 

back on the email, where it’s asking for the token, 

and then just hit confirm and then you’ll be all done. 

PATRICIA OLSON: Email verification request.

 It’s from your email. All right. 

JESSE: All right? So once you have access, 

like I said, you have different options on how to use 

bringing up the search (inaudible). I mean, if you 

don’t want to try it, you’re more than welcome to get 

on Facebook and just hit it, on that Facebook link, 

and it automatically posts that to your Facebook 

account. 

PATRICIA OLSON: Okay. 

JESSE: Pretty much. If people do see that 

information and they do have federal student loan 

debt, they called in, they’ll want -- they’re going to 

see your information in there, so they’ll provide the 

same account. 

PATRICIA OLSON: Okay. 

JESSE: We give you credit for that so you 

get your $25 credit first and the other benefits. 

Stiner Attachment BB - 71 
 

 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 73 of 84 

PATRICIA OLSON: Perfect. 

JESSE: All right? So now that we have 

established, the next part is the easy part. We’re 

just going to do the verification. And for this next 

part, the only thing that you need to have available -

- I don’t need you to provide it to me -- just so we 

can verify that together, is your bank routing and 

account number, as well as your driver’s license and 

ID card. Do you have that information (inaudible)? 

PATRICIA OLSON: Mm-hmm. I already gave 

that to him. 

JESSE: Yeah. Like I said, I don’t need you 

to provide it to me; I just need you to have it 

available so we could verify that information and make 

sure that everything is accurate. 

PATRICIA OLSON: Okay. 

JESSE: All right? So I’m going to go ahead 

and start the recording so we can wrap this up. 

All right. So I’m speaking with Patricia 

; is that correct? 

PATRICIA OLSON: Correct. 

JESSE: Last name spelled 

, correct? 

PATRICIA OLSON: Correct. 

JESSE: And, Patricia, do you have a former 

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last name, or has that a l ways been your last name? 

PATRICI A OLSON : That' s my last name . I 

have a new last name . I t's Ol son . 

JESSE: Al ten [s i c ] , okay . And your address 

is at 

PATRICI A OLSON : 

JESSE: -- the z i p code - -

The zip code i s -· I s that correct? 

PATRICI A OLSON : Correct . 

JESSE: Okay . And your date of b i rth i s 

, correct? 

PATRICI A OLSON : Correct . 

JESSE: Okay . And your Soci a l Security 

number i s XXX- XX- XXXX, correct? 

PATRICI A OLSON : Correct . 

JESSE: Okay . And your - - I have l isted 

here that your empl oyer i s 

_ , and your occupati on there is surgi cal 

technol ogist; is that correct? 

PATRICI A OLSON : That's correct . 

JESSE: Okay . And just to confirm, I see 

that your adjusted gross income i s _ , correct? 

PATRICI A OLSON : Correct . 

JESSE: And your dri ver's l i cense or I D 

card, the state and number i s XXXXXXXXXXXXX, and that 

Stiner Attachment BB - 73 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 74 of 84 
 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 75 of 84 

was issued in the State of . Is that correct? 

PATRICIA OLSON: That’s -- yes, that’s 

correct. 

JESSE: Okay. And just to confirm, I see 

that your stated family size is four. Is that 

correct? 

PATRICIA OLSON: Correct. 

JESSE: And to verify that you provided us 

that the appropriate SAID and the password, I have 

your user name listed as , and that 

is with a capital and a capital . The password, I 

have it listed as the , capitalized letters 

, number . Is that correct? 

PATRICIA OLSON: That wasn’t the number I --

yeah, that’s correct. 

JESSE: Okay. And, Patricia, you were 

informed and understand that the purpose of this call 

is to confirm your acceptance of the financial 

analysis and evaluation that you received, the 

financial education benefits center program 

enrollment, the student loan financial education kit, 

and the Ameritech student loan document preparation 

service agreement. Is that correct? 

PATRICIA OLSON: Correct. 

JESSE: Okay. And the email address that 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 76 of 84 

you’re using today to submit your application is 

@hotmail.com. Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right. And I see that your 

total estimated month -- estimated federal student 

loan debt amount that is being processed is . 

Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: Okay, Patricia, just so you are 

aware, the following payment information that we are 

about to discuss (inaudible) is just an itemized 

summary of what you are -- you were quoted during your 

consultation with your account specialist, so there’s 

nothing in addition. I’m just going to be itemizing 

the payments and breaking them down, including the 

dates that those payments are being deducted from your 

account. Just keep in mind that everything adds up to 

exactly what Brandon told you. And we’re going to 

begin with your monthly payment. 

So just to sum up, you understand that your 

total estimated monthly payment explained to you by 

your account specialist will be $128.81, of which you 

will pay $27.81 directly to your student loan service 

provider as your new qualified monthly payment; and 

$99 for the monthly benefits center program from your 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 77 of 84 

checking account ending in XXXX. Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: And for your monthly program 

payments, your bank’s name as it appears is Heritage 

Federal Credit Union; is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right, and I have your bank 

routing number as XXXXXXXX. Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: And I have the bank account number 

as XXXXXXX; is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right. And, Patricia, you were 

informed by your account specialist that part of this 

verification was to confirm your acceptance of the 

financial analysis and evaluation you received, 

including the financial education benefits center 

program, enrollment in the student loan financial 

education kit, and that you are scheduled to be 

charged as follows. There’s a $100 enrollment fee 

that is scheduled to be drafted beginning April 14th, 

2016; then payments of $99 per month that are also 

beginning on April 14th, 2016 from your checking 

account ending in XXXX. Is that correct? 

PATRICIA OLSON: That’s correct. 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 78 of 84 

JESSE: Okay. And you were also informed by 

your account specialist that this verification is to 

confirm your acceptance of the Ameritech Financial 

Federal Student Loan document preparation service 

agreement in the amount of 1,000, and this amount is 

scheduled to be charged as follows. It begins with a 

payment of $100 that is scheduled to be drafted from 

the account on May 15th -- I’m sorry, May 14th, 2016, 

and continuing for nine additional months, ending on 

February 14th of 2017, also from your checking 

account. Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right, Patricia. And you 

understand that the charges we’ve discussed are not 

for any other product or service, nor will any portion 

of these amounts be disbursed to any of your creditors 

or your student loan service provider. Is that 

correct? 

PATRICIA OLSON: That’s correct. 

JESSE: Okay. And you were informed and 

understand that you will be required to provide 

Ameritech Financial with a copy of your most recently 

filed full tax return and most recent pay stubs and 

all documents should be emailed, faxed, or mailed back 

to us. Is that correct? 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 79 of 84 

PATRICIA OLSON: That’s correct. 

JESSE: All right. And just to confirm, I 

see that your tax filing status is 

is that correct? 

PATRICIA OLSON: Correct. 

JESSE: Okay. And, Patricia, you confirmed 

that the loans you have represented to Ameritech 

Financial are all federal loans and backed by the U.S. 

Department of Education. You’ve also been advised 

that we will not be processing any private student 

loans you may have, correct? 

PATRICIA OLSON: Correct. 

JESSE: All right. And just to confirm your 

loan status, I see there that your loans are 

consolidated. Is that correct? 

PATRICIA OLSON: They are consolidated? 

JESSE: That is correct. 

PATRICIA OLSON: No. I don’t believe they 

are. Are they? 

JESSE: That’s what it shows on the FSA. 

PATRICIA OLSON: Hmm. Okay, yes, I guess 

they are. 

JESSE: Okay, so that is a yes? 

PATRICIA OLSON: Sure. 

JESSE: I need a yes or a correct. 

; 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 80 of 84 

PATRICIA OLSON: Yes. 

JESSE: Okay. And, Patricia, you were 

informed by your account specialist that you may 

receive calls and/or mail correspondence from your 

student loan servicer, and this is while the 

applications are being processed, and that this is 

normal during your transition into the program so you 

get some lender communication overlap through your 

consolidation period. Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: Okay. And you are aware that 

Ameritech Financial is assisting you in qualifying for 

one or multiple different government-backed monitor 

and regulated federal student loan assistance programs 

through the U.S. Department of Education, which will 

allow you to modify your current loan situation so you 

may receive the maximum benefit available to you under 

federal regulation and guidance. Is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right. You were also informed 

and understand that Ameritech Financial does not 

directly assist you in obtaining credit, a loan, or 

improving your credit rating, correct? 

PATRICIA OLSON: Correct. 

JESSE: Okay. And you were also informed 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 81 of 84 

and understand that Ameritech Financial is not a 

credit repair service organization, a consumer credit 

counseling agency, a debt settlement company, a 

licensed real estate agency, a law firm, your tax 

adviser, your student loan service provider, a 

government agency or affiliated with any such 

companies, individual or agencies, is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right. You were also informed 

that Ameritech Financial is not responsible for and 

whenever collecting any of your funds in order to make 

payments directly to any of your lenders, and that 

Ameritech Financial will never make payments or 

advance money for any purpose on your behalf; is that 

correct? 

PATRICIA OLSON: Correct. 

JESSE: And you acknowledge that you 

received electronically a copy of your receipt, 

agreement, and privacy policy from Ameritech 

Financial; is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right. And importantly you were 

informed and understand that Ameritech Financial will 

be communicating with you via email and telephone 

regarding information we may need to further process 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 82 of 84 

your file or update the account; is that correct? 

PATRICIA OLSON: That’s correct. 

JESSE: All right. And do you accept this 

agreement? 

PATRICIA OLSON: Yes. 

JESSE: All right. Lastly, and more 

importantly, from this point moving forward, we do ask 

that you please direct any questions or concerns you 

may have regarding your account to our customer 

service department. As a valued client, their role is 

to serve your every need and provide you with 

superior, 100 percent total client satisfaction. They 

are here to assist you Monday through Friday from 8:00 

a.m. to 5:00 p.m., Pacific Standard Time. They can be 

reached at 1-800-792-8621, extension number 0, or via 

email at customer.service@AmeritechFinancial.com.

 And this information here, Patricia, will 

also come to you via email at the conclusion of the 

verification, so you have that information handy in 

case you need to get in touch with us. But the last 

thing, if you’re interested, I just want to know if 

you wanted us to put you in touch with one of our 

lender partners that specializes in working with folks 

that have student loan debt and are seeking to 

refinance their home mortgage or purchase a home in 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 83 of 84 

the near future. 

PATRICIA OLSON: No, thank you. I’m good. 

JESSE: All righty. So let me stop the 

recording. All right, Patricia, we’re done with the 

verification process. Keep an eye out for that email 

that should arrive shortly. But other than that, do 

you have any questions for your representative before 

I let you go? 

PATRICIA OLSON: I don’t -- I don’t think 

so. I think I’m good. 

JESSE: Yeah? Okay. Congratulations on 

your savings, and enjoy the rest of your day. 

PATRICIA OLSON: Thanks, bye. 

JESSE: All right. Thank you. 

(The call was concluded.) 

(The recording was concluded.) 

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Case 4:18-cv-00806-SBA Document 70-28 Filed 03/05/18 Page 84 of 84 

CERTIFICATE OF TRANSCRIPTIONIST 

I, Sara J. Vance, do hereby certify that the 

foregoing proceedings and/or conversations were 

transcribed by me via CD, videotape, audiotape or 

digital recording, and reduced to typewriting under my 

supervision; that I had no role in the recording of 

this material; and that it has been transcribed to the 

best of my ability given the quality and clarity of 

the recording media. 

I further certify that I am neither counsel 

for, related to, nor employed by any of the parties to 

the action in which these proceedings were 

transcribed; and further, that I am not a relative or 

employee of any attorney or counsel employed by the 

parties hereto, nor financially or otherwise 

interested in the outcome of the action. 

DATE: 6/7/2017

 SARA J. VANCE, CERT 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 2 of 72 

1 OFFICIAL TRANSCRIPT PROCEEDING 

2 FEDERAL TRADE COMMISSION 

3 

4 

MATTER NO. 1723027 

6 TITLE AMERICAN FINANCIAL BENEFITS CENTER 

7 DATE RECORDED: MARCH 7, 2016 

TRANSCRIBED: JUNE 5, 2017 

8 

PAGES 1 THROUGH 71 

9 

11 

TELEPHONE CONVERSATION BETWEEN WEBSTER/KEVIN 

12 AND DALE AND SUSAN OLMSTEAD 

FTC-BBB-00344 

13 

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16 

17 

18 

19 

21 

22 

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24 For The Record, Inc. 

(301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 3 of 72 

FEDERAL TRADE COMMISSION 

I N D E X 

RECORDING: PAGE: 

Conversation with Webster 4

 Conversation with Kevin 41 

Conversation with Webster 55 

Conversation with Kevin 65 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 4 of 72 

FEDERAL TRADE COMMISSION 

In the Matter of: ) 

American Financial Benefit ) Matter No. 1723027 

Services ) 

------------------------------) 

March 7, 2016 

The following transcript was produced from a 

digital file provided to For The Record, Inc. on May 19, 

2017. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 5 of 72 

P R O C E E D I N G S 

- - - - -

CONVERSATION BETWEEN WEBSTER AND DALE & SUSAN OLMSTEAD 

RECORDING: Hello, please leave a message after 

the tone. 

WEBSTER: Hello, this is Webster with the 

student loan enrollment department. We did have our 

appointment for 9:00 a.m. and I do apologize for that --

oh, hello? 

DALE OLMSTEAD: Yeah, I’m here. 

WEBSTER: Oh, hello. How are you doing today? 

DALE OLMSTEAD: Good. This caller ID just said 

toll-free --

WEBSTER: Oh, I understand. 

DALE OLMSTEAD: -- and I don’t like to answer 

unless I know who it is. 

WEBSTER: Oh, no problem, yeah. Sorry about 

that. My morning meeting actually ended up running a 

little bit over. It’s just some new changes we’re making 

here, that’s all. 

DALE OLMSTEAD: Okay. 

WEBSTER: All righty. So I did want to go 

ahead and follow up with you starting off. Did you have 

any questions or anything that you may have thought of 

since the last time you talked that I could answer for 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 6 of 72 

you? 

DALE OLMSTEAD: Is there any other additional 

questions you had?

 Okay. I guess once we enroll, we’d just like 

to know when the payments would start. 

WEBSTER: Right. So I can put it out -- the 

first thing -- I can put it out for the 15 days for the 

$407. I can put that out as far as 15 days. I didn’t 

know if -- have you already happened to make your payment 

for your standard loan, the 410 payment yet? 

DALE OLMSTEAD: No. 

WEBSTER: All right. Well, if that’s the case, 

usually what we suggest is if you’ve already been making 

your standard repayment and have it scheduled where 

you’re just making autodraft or anything similar to that 

each month, then you can stick with that, or like I said 

we can adjust it within the next 15 days, whatever day 

works the best for you. 

DALE OLMSTEAD: Okay. See, once we’re 

enrolled, 15 days, we start making payments on it. 

WEBSTER: Yeah. So I can put the -- so 

basically I can -- you can pick a day within 15 days. So 

it can be up to 15 days out, and it will be that day on 

which the payment is taken out. So that’s when it would 

begin. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 7 of 72 

DALE OLMSTEAD: Okay. As long as it’s within 

that 15-day window --

WEBSTER: Yeah. 

DALE OLMSTEAD: Okay. 

WEBSTER: Then you can pick whatever. However, 

in order to finish the application, like I said, there 

was a few more necessary steps again in the process to go 

over. So basically the things that are still left to be 

done in order to complete the application is we’re just 

going to be -- I do have to finish up the application.

 So social, date of birth.

 I do need two references. The rule for the 

references is they just can’t live with you and they 

cannot live with each other. So two separate ones there.

 Picking a payment date for you, and then just really 

going over a rough budget with you, as well as verifying 

those loans. This actually sounds like a lot, but it can 

be a -- it can be a quick process sometimes, actually. 

DALE OLMSTEAD: Yeah, because a lot of times 

with it being, like, three different loans right now --

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: -- having her date of birth and 

her Social Security will -- you’ll be able to just look 

that up directly. Right? 

WEBSTER: You said look at what directly? 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 8 of 72 

DALE OLMSTEAD: The -- what her loan amounts 

really are and --

WEBSTER: Mm-hmm, yeah. So through that social 

and the date of birth, I’m actually -- that will allow me 

to go ahead and access the federal database so that, 

yeah, we can get those exact loan amounts. However, the 

quote will remain the same, what I quoted you is still 

going to stay the same. 

DALE OLMSTEAD: Okay. 

WEBSTER: Yeah. So I didn’t know if you were 

with her or if you were ready to go ahead and continue on 

with the application process, or --

DALE OLMSTEAD: Yeah, just a second. We’ll put 

you on speaker phone. That way she can hear everything 

that we’re talking about. 

WEBSTER: All right. No problem, sir. 

DALE OLMSTEAD: Okay.

 WEBSTER: All righty. So the next thing that 

we are going to need to do is just to get together two 

references. And, like I said, for the references, the 

rule is they just can’t live with you and they must live 

separate from each other. The information we need 

regarding them is just first/last name, their address, 

their phone number and then what relationship they have 

with you. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 9 of 72 

DALE OLMSTEAD: Oh --

WEBSTER: And it can be work addresses. I 

usually don’t say this, but we don’t send them any mail.

 So it can be an old address or anything of that such. 

SUSAN OLMSTEAD: I’m going to have to work on 

that one. 

WEBSTER: All righty.

 SUSAN OLMSTEAD: The two cannot be under the 

same roof? 

WEBSTER: Hmm.

 DALE OLMSTEAD: I know what you’re thinking, 

Greg and Sammie. 

SUSAN OLMSTEAD: Uh-huh. 

WEBSTER: Yeah, I can make that work. What 

I’ll have to do is I’ll have to put suite 1, and then 

I’ll put the other one in suite 2. So it will appear one 

in suite number one, another one in suite number two, but 

I can work that. 

SUSAN OLMSTEAD: Okay. Well, I don’t know the 

address right at this time. 

WEBSTER: All right. That’s no problem. We 

will need to finish with the application, however, we can 

always go back to that. I guess the next part we should 

go ahead and do is I can go ahead and verify the loans. 

DALE OLMSTEAD: Okay. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 10 of 72 

WEBSTER: So the first thing I’m going to need 

for that is date of birth. 

DALE OLMSTEAD: XX/XX/XX. 

WEBSTER: And then driver’s license or ID 

number and the state in which it was issued. 

DALE OLMSTEAD: Hold on a second. She had to 

dig out her driver’s license again. 

WEBSTER: Oh, no problem. 

DALE OLMSTEAD: Okay. All right. 

driver’s license. 

It’s a 

WEBSTER: All righty. 

DALE OLMSTEAD: It’s the letter X-XXX --

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: -- XXX-XXX-XXX. 

WEBSTER: And then lastly, Social Security 

number. 

DALE OLMSTEAD: Okay. Her Social Security 

number, XXX-XX-XXXX. 

WEBSTER: All righty. No problem. Just let me 

go ahead and get on the database and (inaudible). Give 

me one moment. It’s going to be -- I just need to do 

some rough typing over here. 

DALE OLMSTEAD: Okay. 

WEBSTER: One question I do have, is there a 

separate e-mail address for which I can go ahead and set 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 11 of 72 

up the account? Just because you said that you did have 

student loans as well, correct, Dale? 

DALE OLMSTEAD: Yes. 

WEBSTER: The reason is, if I set it up under 

your e-mail address, if we do go ahead and enroll your 

loans in the program, they are eligible. I’ll have to 

have a different e-mail address to register yours for 

because they can’t work off the same e-mail, sadly. 

DALE OLMSTEAD: Okay. I’ve got a gmail 

account. 

WEBSTER: All right. No problem. So I can use 

a gmail account for students -- her loans, or I can use 

your AT&T one. It’s just one of them is going to have to 

be used for hers and then another one for yours. 

DALE OLMSTEAD: Right. Well, hers you can go 

ahead and use my AT&T. 

WEBSTER: All righty. Hmm. All right. I’m 

going to put you on a brief hold while I finish setting 

up this account, and I’m going to grab my underwriter so 

he can approve the account setup and I’ll be right back.

 All righty? 

DALE OLMSTEAD: All right. 

(Brief pause.) 

WEBSTER: All right. Sorry about that hold 

there, you guys. I did need, Susan, your middle initial. 

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SUSAN OLMSTEAD : E. 

WEBSTER: Was that Das in David? 

DALE OLMSTEAD : No, E as in echo . 

WEBSTER: Oh, all r ighty. No probl em. The 

only thing that I see here i s you guys have a P. O. Box . 

What woul d be the actual physi cal address? 

DALE OLMSTEAD: 

- ? WEBSTER: And that's going to be in _ , 

DALE OLMSTEAD: Yes . 

WEBSTER: All righty . And that's - ? 

DALE OLMSTEAD: Yes, i t i s . 

WEBSTER: All right . So what' s going to come 

up next i s i t's going to be a set of security questions . 

There's not much to this, real ly . It's just four of 

them. Let me go ahead and get set up r ight now . 

So, like I sai d, it' s going to be f our security 

questions . It's just for by any chance you're ever 

locked out of the account. The first one i s just bei ng 

what c i ty were you born in . 

SUSAN OLMSTEAD : - · 

WEBSTER: You sai d - ? 

DALE OLMSTEAD: - · 

SUSAN OLMSTEAD : - · 

WEBSTER: -· My apologies . 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 13 of 72 

SUSAN OLMSTEAD: That’s fine. 

WEBSTER: And then what color was your first 

car? 

SUSAN OLMSTEAD: . 

WEBSTER: All right. Next is mother’s middle 

name. 

SUSAN OLMSTEAD: The name --

WEBSTER: I’m sorry, mother’s maiden name. I 

do apologize. 

DALE OLMSTEAD: . 

WEBSTER: And then your middle name. 

SUSAN OLMSTEAD: Mine? 

WEBSTER: Yes, ma’am. 

SUSAN OLMSTEAD: .

 WEBSTER: All righty. And then lastly it’s 

just any significant date in your life, like a month, 

date, year, and it’s just in case you access the 

information by phone. 

DALE OLMSTEAD: .

 WEBSTER: Okay. Got it. Perfect. All right.

 And I’m just inputting this information right now.

 That’s the only reason I’m so quiet. 

DALE OLMSTEAD: We kind of figured that. 

WEBSTER: All righty. Let me see what we have 

here. All right. Okay. So -- so looking at the 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 14 of 72 

loans right now, they’re on a good status, plus -- so 

there’s about $ total on those student loans. 

DALE OLMSTEAD: Okay. 

WEBSTER: What was that? 

DALE OLMSTEAD: Okay. We’re making notes --

WEBSTER: Oh, no problem, no problem. All 

right. So everything is with Navient. I just wanted to 

make sure that’s the only one. Yeah. 

All righty. So the last thing that I’m just 

going to need to check is with Navient. So did you 

already have an online web portal set up with that 

company? 

SUSAN OLMSTEAD: No. 

DALE OLMSTEAD: No. 

WEBSTER: All righty. No problem.

 SUSAN OLMSTEAD: Did you say, though, that they 

might send a bill to be paid? 

WEBSTER: No. They shouldn’t necessarily be 

sending it. After looking over -- they may send one. It 

shouldn’t be anything high because it looks like the 

majority of your loans actually is in that forbearance.

 Maybe soon. Like I said, I’ll know once I look on here 

as far as it gives me more of an updated status on your 

loan. That’s why we check with the loan servicer 

usually. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 15 of 72 

SUSAN OLMSTEAD: Okay. 

WEBSTER: Yeah. But, like I said, as far as 

the federal database is concerned, the majority of loans 

are in that forbearance period. So -- all right. All 

right. Let’s see, let’s see, let’s see. So, yeah, there 

is some payments due. Yeah, total amount is $771.74, is 

what they’re saying is due right now.

 DALE OLMSTEAD: I thought so, too. 

WEBSTER: All right. I’m hoping that does 

check out. All right. So the next thing that I’m just 

going to need to go over with you, this sounds pretty 

simple. It’s just a rough budget to see what your 

monthly expenses are. So it’s monthly totals for each of 

the following. The first one is going to be rent or 

mortgage each month. 

SUSAN OLMSTEAD: . 

WEBSTER: All righty. The next would be 

electric bill. 

SUSAN OLMSTEAD: Ooh, about . 

WEBSTER: All right. Do you happen to have a 

gas bill? 

SUSAN OLMSTEAD: Yeah. We are on a budget for 

that, and that’s . 

WEBSTER: All righty. No problem. Next would 

be cell phone bill. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 16 of 72 

SUSAN OLMSTEAD: I don’t have one. 

DALE OLMSTEAD: No. I’ve got a pre-paid and 

that’s a month. 

WEBSTER: No problem. Groceries each month? 

SUSAN OLMSTEAD: (Laughing).

 WEBSTER: And these are just rough estimates, 

so you can round up or down.

 SUSAN OLMSTEAD: Close to a month. 

WEBSTER: All righty. Car payments each month? 

DALE OLMSTEAD: About . 

WEBSTER: So , all righty. And then autorelated expenses such as gas, oil, tuneups, tires, just 

do not include auto insurance, however. 

DALE OLMSTEAD: Rough estimate, we’re talking 

the distance I drive, it’s -- I figure about a 

month. 

WEBSTER: All righty. And how much is auto 

insurance each month? 

SUSAN OLMSTEAD: 

WEBSTER: And credit cards each month, if you 

have any? 

SUSAN OLMSTEAD: Don’t have any. 

DALE OLMSTEAD: None. 

WEBSTER: All righty. Personal care each 

month, so toiletries and things as such. 

. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 17 of 72 

DALE OLMSTEAD: Normally we get that right 

along with the groceries, so... 

WEBSTER: No problem. Entertainment each 

month, such as cable, satellite, internet bill, going out 

to eat, any vacations or trips or anything like that? 

How much? 

SUSAN OLMSTEAD: Internet, and that’s like 

a month. 

DALE OLMSTEAD: Yeah. 

WEBSTER: I don’t know if you go out to the 

cinema, that’s included as well. 

SUSAN OLMSTEAD: No, we don’t. 

DALE OLMSTEAD: Un-nuh. We have to live on 

such a tight budget. 

WEBSTER: Mm-hmm. So about how much was that 

for entertainment total, then, once the cable and 

satellite was configured in? 

DALE OLMSTEAD: Maybe a month. 

WEBSTER: All righty. And, so, the last one is 

just miscellaneous expenses, so things you feel you pay 

each month that I haven’t yet included it. 

DALE OLMSTEAD: Just my student loans. 

WEBSTER: Right, and about how much would that 

be? 

DALE OLMSTEAD: That would be about 240. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 18 of 72 

WEBSTER: 240? All right, no problem. 

All right. I’ll try to do this again. 

All righty. Okay. So the next thing that 

we’re just going to need to do, set up that payment date.

 And like I said, that’s just for the -- anywhere from --

I can put it as far as 15 days out. What would be 

roundabout a good date for you in that time frame? 

DALE OLMSTEAD: Oh, I need to look at a 

calendar here real quick. 

WEBSTER: No problem. 

So I can go out as far as the March 22nd. 

DALE OLMSTEAD: Yeah, that’s -- yeah, that’s --

that would be a good date. 

WEBSTER: March 22nd? 

DALE OLMSTEAD: Yes. 

WEBSTER: All right, no problem. 

And the next thing, right before collecting 

those references, would just be billing information, so 

the active checking or savings account. And the first of 

those would just be the bank name that it’s associated 

with. 

DALE OLMSTEAD: Okay. Independent Bank of West 

. 

WEBSTER: You said Independent Bank, plus 

? 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 19 of 72 

DALE OLMSTEAD: Yes. But on the check, it just 

says Independent Bank, so... 

WEBSTER: No problem. All right. 

And then so this is going to be -- this is 

going to be a checking account, correct? 

DALE OLMSTEAD: Yes. 

WEBSTER: All right. Okay. And then it says 

the routing number is -- is it XXXXXXXXX? 

DALE OLMSTEAD: Yes. 

WEBSTER: All right (inaudible). And lastly 

would just be the account number. 

DALE OLMSTEAD: Okay. It’s XXXXXXX. 

WEBSTER: All righty. No problem. All right.

 Yeah. So at this point, the last thing that really needs 

to be done is just going to be those references. And I 

know that can be kind of difficult to come up with, so if 

you have a first and last name and a city/state, just the 

city or state that they live in, we can go ahead and 

figure something out as far as the specific address goes. 

DALE OLMSTEAD: Okay. .

 WEBSTER: Uh-huh. 

DALE OLMSTEAD: That’s .

 WEBSTER: All right. And then what is going to 

be the relationship? 

SUSAN OLMSTEAD: Son. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 20 of 72 

DALE OLMSTEAD: Son. 

WEBSTER: And lastly a phone number? 

DALE OLMSTEAD: Give me just a second here. I 

can look it up. 

It’s --

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: -- . 

WEBSTER: All righty, perfect. And then for 

his address, I just went ahead and used the Village of 

or City of as a (inaudible) and that’s 

just , so real general. 

DALE OLMSTEAD: Okay. 

WEBSTER: And that’s just the city, board, I 

guess, address, which technically all residents can claim 

as their address, so... 

DALE OLMSTEAD: All right. 

WEBSTER: . Perfect. 

And then for reference number two? 

DALE OLMSTEAD: .

 WEBSTER: You said ? 

DALE OLMSTEAD: Yes. 

WEBSTER: All right. And then relationship? 

DALE OLMSTEAD: Daughter-in-law. 

WEBSTER: And is she -- okay, she’s -- is she 

the one that is married to ? 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 21 of 72 

DALE OLMSTEAD: Yes. 

WEBSTER: Let me see what I can do.

 (Inaudible). All right. And, so, I just put a separate 

address for her. So hers is , 

.

 DALE OLMSTEAD: Okay. 

WEBSTER: And the next is her -- a good phone 

number for her. 

DALE OLMSTEAD: All right. It’s . 

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: . 

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: . 

WEBSTER: All righty. No problem. So I’m 

going to look over everything, make sure I have 

everything. One moment. So what you will need to do, 

you’re going to have to log in to email so I can send you 

documentation through there. 

DALE OLMSTEAD: Okay. 

WEBSTER: And all this is documentation. I’m 

not sure. Are you familiar with DocuSign at all? 

DALE OLMSTEAD: No. 

WEBSTER: No problem. All right, so, all it is 

is electronic document signature. So what’s going to 

happen is you’ll see an email from me, and then when you 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 22 of 72 

open it up, you’re going to be able to click on a link 

that lets you view the documents. And once you will, 

you’ll need to adopt a signature. And once you adopt 

that signature, it will allow you to go through and begin 

signing with a generated initial and signature.

 And once you’re done with that, I’m going to be 

able to get you over to our verification team, and 

they’ll just verify the information with you to make sure 

everything on the application is good to go, and then 

you’ll be on your way to saving that money. 

DALE OLMSTEAD: All right. Yeah, that -- that 

sounds right there. 

WEBSTER: All right. 

DALE OLMSTEAD: Saving money is always a good 

thing. 

WEBSTER: Right. Who wouldn’t be happy with 

saving a substantial amount of money, right? 

DALE OLMSTEAD: Right. 

WEBSTER: All righty. And, so, I’m sending 

them -- those documents over right now. 

DALE OLMSTEAD: Okay. I’m getting my computer 

up. 

WEBSTER: No problem. All righty. So that 

just should have sent to your email (inaudible) be there. 

DALE OLMSTEAD: Yeah, it’s there. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 23 of 72 

WEBSTER: Yeah. So you’re just going to want 

to open that up, and then once it’s there, you’re going 

to click the yellow “review documents” link. 

DALE OLMSTEAD: Okay. 

WEBSTER: All right, no problem. And, so, once 

you do that and made a DocuSign (inaudible) you’re going 

to have to click -- check a box that says “I consent to 

electronic records and signatures.” 

DALE OLMSTEAD: It’s taking a minute here to 

come up. 

WEBSTER: No problem. Just go ahead and let me 

know when it loads. 

DALE OLMSTEAD: Okay. 

Looks like I got everything here. 

WEBSTER: And, so, has that DocuSign loaded for 

you? 

DALE OLMSTEAD: Yes. 

WEBSTER: All right. So were you able to click 

the “I consent to electronic records and signatures?” 

DALE OLMSTEAD: Yes, I did. I just did that. 

WEBSTER: All righty, yeah. So from there, you 

should be able to click continue, and then that first 

page should load on the screen. Did that already happen? 

DALE OLMSTEAD: Yes, it did. 

WEBSTER: Great. So we can just go through 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 24 of 72 

those and review those for accuracy. There’s four things 

that I really am adamant about highlighting as 

(inaudible) it’s very important is going to be, one, 

privacy policy; two, the complaint policy; three, the 

cancellation policy; and, four, of course, the big one, 

which is going to be the program payment. 

The first thing I will have to go over is going 

to be the first page saying required documents and 

instructions. Those are very important, so that’s going 

to be pages 1 and 2. Page 1 is going to be called a 

required documents and instructions, and that lists the 

documents that you’re going to need to be printed, 

signed, and then returned. It’s very important that you 

do get those documents returned in a timely manner. So 

please try to make that a point and get that knocked out 

for me. 

Now, we do require pay stubs covering your most 

recent month of pay, and then whichever happens to be 

your most recently filed tax return, as well as a few 

other forms that we do provide once you’re done with the 

signing process. And then page 2 is also going to be 

titled How to Return Documents. And that provides clear 

instructions on how to return those documents to 

Ameritech. Scanning and emailing everything in PDF 

format is the preferred method; however, you can fax it 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 25 of 72 

or standard mail it as well if necessary. 

DALE OLMSTEAD: Okay. 

WEBSTER: All right. And, so, the next thing 

you’re going to see is the first two pages of federal 

forms titled Public Service Loan Forgiveness. Those ones 

are used if you worked in a public service or sector; 

however, you can ignore these forms for now because they 

don’t apply to us (inaudible) situation. 

After that’s going to be the IVR forms, and 

those are the federal forms that are going to be used by 

the Department of Education. For those pages, I went 

ahead and checked appropriate boxes to prove how we are 

referring to -- or how we’re proving your income. 

After that is going to be something called a 

general forbearance request. And we don’t want you 

making any double payments, so we do freeze the accounts 

while we do the necessary work to complete the program 

enrollments. The process is about 30 days, so depending 

on your billing cycle, your servicer may contact you 

regarding payment. If this happens, however, just let us 

know. They’re actually not realizing what’s going on, so 

save yourself some of the hassle of dealing with somebody 

on that servicer level, and just keep us in the loop if 

anything does come up. All right? 

SUSAN OLMSTEAD: Yes. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 26 of 72 

DALE OLMSTEAD: Yes. 

WEBSTER: All righty. Next after that is just 

going to be the Ameritech Financial Details page, and 

that page states that you’re working with us and we are 

in charge of properly preparing your documents and 

paperwork throughout the duration of your loan. 

DALE OLMSTEAD: Okay. 

WEBSTER: And the last thing what you’re going 

to see is National Student Loan Data Systems access. You 

may actually have saw that as the first page. However, 

that page just states that you acknowledge that I used 

the FSA or the federal database credentials to look up 

your loans on this -- the database to consider the right 

types of loan and that they do, indeed, qualify for the 

programs. 

Following that, you’ll see something called 

Ameritech Financial Doc Prep and Service Agreement, or 

the blue page. And this is going to be the program. And 

that page just reiterates the basic information I 

gathered. You can -- if you could, you could go through 

each section and make sure that everything is accurately 

entered. And then just let me know if you do have any 

questions as we go along throughout the contract as well. 

So next I’m going to go over the four big 

things that I mentioned, and that’s going to be the 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 27 of 72 

privacy policy first. And those state that we do not 

share your information, and it is not used for any other 

purpose other than what we discussed here today. The 

only third parties that we directly work with on your 

behalf are -- is going to be the Department of Education 

and your loan servicer currently, so Navient. 

And then next would be that cancellation 

policy. And all that’s saying is that this program is at 

will. So any time you do wish to go back to your 

standard repayment, that is entirely up to you. However, 

who would want to go back to paying more money, I don’t 

know. 

SUSAN OLMSTEAD: That’s right. 

DALE OLMSTEAD: Uh-huh. 

WEBSTER: Next is the complaint policy, and 

that page is just intended to provide you in writing all 

the methods you have available to reach us if you need to 

in order to file a complaint on my or the company’s 

behalf. 

DALE OLMSTEAD: Okay. 

WEBSTER: Next -- next big thing -- you can 

scroll down to this one -- is going to be the program 

payment. And, so, that one’s actually going to be a 

page, probably all the way down, third to the last --

really the last page, titled Global Client Solutions. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 28 of 72 

And then just let me know when you happen to 

reach that page. 

DALE OLMSTEAD: Scroll down quite a ways to get 

it. 

WEBSTER: Yeah, it is pretty far down there.

 What’s actually in there is a whole lot -- most of the 

disclosures, as well as what we’ve already gone over, 

because it is, of course, required. It makes sense to 

have two copies, one for your records and one for ours. 

DALE OLMSTEAD: Right. Okay. Dedicated 

account agreement and application. 

WEBSTER: Right. 

DALE OLMSTEAD: That’s where I’m at now. 

WEBSTER: All right. Did you say you already 

passed the Global Client Solutions? It should be in the 

top left-hand corner, the little stamp. It’s about the 

third or fourth-to-last page. 

DALE OLMSTEAD: Oh, okay. I might have --

WEBSTER: So if you can scroll --

DALE OLMSTEAD: -- scrolled too far. Okay, 

Global Client Solutions? 

WEBSTER: Yeah. And, so, out of the -- next --

out of these next pages it’s going to show you the draft 

amounts for the program. They take drafts from your 

account. So Global Client Solutions is the name of the 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 29 of 72 

company that the program utilizes to manage your 

payments. So they will be sending you a welcome packet 

in the mail after you enroll. 

So if you go down through (inaudible) you 

should be able to see a draft and notes. We are ready to 

sign, so you can click the next or “start earning yellow 

signs here” tab. And then you’ll have to (inaudible) 

sign for the signature. After doing such, you’ll need to 

sign each tab until you see the option for finish, and 

then confirm signing. And you will receive a copy of all 

those documents also via your email, as soon as you do 

finish signing. 

DALE OLMSTEAD: Okay, I -- I’m not -- sorry.

 I’m not sure I get -- fully understood what you were 

saying. 

WEBSTER: No problem. So I was just saying you 

can click either next or start or any “yellow signs here” 

tab. 

DALE OLMSTEAD: Okay. 

WEBSTER: And, so, you’ll need to choose a 

signature, and then click “adopt” and sign. 

SUSAN OLMSTEAD: (Inaudible). 

DALE OLMSTEAD: No. What it is, they give you 

choices. 

SUSAN OLMSTEAD: Oh, okay. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 30 of 72 

DALE OLMSTEAD: So you can use this style, or 

you can (inaudible). 

SUSAN OLMSTEAD: That one. Yeah (inaudible). 

DALE OLMSTEAD: All right. We’ll use the one 

that looks mostly -- looks very close to what your --

okay. 

WEBSTER: Yeah. And, so, you’re going to want 

to sign each tab until you see the option for finish and 

confirm signing. 

DALE OLMSTEAD: Okay. So I will have to do 

this to all the documents? 

WEBSTER: Yeah, all the -- all the fields that 

it says, all the little -- it will show you in the little 

yellow spots all those places that you need to click and 

sign. 

SUSAN OLMSTEAD: Pretty neat. 

DALE OLMSTEAD: Yeah, what it’s doing is each 

time I hit the -- we hit the sign here, it moves on to 

the next one that needs to be signed. So I don’t have to 

do all the --

WEBSTER: Yeah. 

DALE OLMSTEAD: -- scrolling. It does it 

automatically. 

WEBSTER: Yeah, it will go ahead and pull you 

to the next one each time. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 31 of 72 

SUSAN OLMSTEAD: And you’re talking to a couple 

of old farts here, that we don’t know that stuff. 

WEBSTER: Oh, no --

DALE OLMSTEAD: Actually, it’s kind of 

fascinating how that works. 

WEBSTER: Yeah, we -- yeah, it’s real weird 

actually. I remember when I signed -- even I had 

troubles with it at first when I first signed up for my 

student loans. I was, like, a DocuSign, what’s that?

 And when I was filling it out, it kind of just jumped, 

and at first I thought, oh, you know, something was wrong 

and then they told me, no, it’s actually fine, that’s 

what it was supposed to do. 

DALE OLMSTEAD: Okay. All right, so it’s gone 

through, done all the initialing and signing and --

WEBSTER: You should see the option for finish. 

DALE OLMSTEAD: Well, I should, but I don’t. 

WEBSTER: Is there one that says confirm 

signing or anything of that such down there? 

DALE OLMSTEAD: No. 

WEBSTER: All right. Sometimes maybe something 

was missed. Occasionally there is something that’s 

missed on there that needed to be signed, so you may have 

to just scroll through it briefly and see if there’s any 

yellow tabs that haven’t been filled out. Or there might 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 32 of 72 

be actually more and the DocuSign hasn’t completely 

loaded. If you kind of scroll down, you may see more. 

DALE OLMSTEAD: There we go. I just hit 

finish. So it was scanning everything. 

WEBSTER: Oh, no problem. 

And, so, you’re going to hit finish and then 

the confirm signing. And then once you do that, you’re 

going to receive a copy of the documents via email, so 

all the signed documents. 

DALE OLMSTEAD: Okay. 

WEBSTER: All right. And, so, it might ask you 

to set up an account or enter a password and confirm 

password; however, you do not need to do that. 

DALE OLMSTEAD: Okay. 

WEBSTER: Yeah, so you’ll just receive another 

email from them with everything in it. And what I’m 

going to want you to do is go ahead and open up that 

email. Okay. 

DALE OLMSTEAD: All right. 

WEBSTER: All right? And, so, you opened up 

that email that they sent you with the completed 

documents? 

DALE OLMSTEAD: That’s what I’m trying to get 

to right now. 

WEBSTER: No problem. No problem. Just let me 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 33 of 72 

know whenever you are able to access it. It’s no 

problem. I can -- I’m very patient. 

SUSAN OLMSTEAD: Yes, you are. 

WEBSTER: Oh, no. 

DALE OLMSTEAD: Now, I haven’t -- the only 

thing I’ve received was the link to the DocuSign. 

WEBSTER: What was that? 

DALE OLMSTEAD: I’ve only received the thing --

WEBSTER: It just -- if there is any new email 

in there that has even the line DocuSign or anything 

about documents, you’re going to want to open that up, 

because that’s more than likely not going to be the one. 

DALE OLMSTEAD: Okay. Also, nine attachments 

on here. 

WEBSTER: Perfect. Perfect. So --

DALE OLMSTEAD: That’s --

WEBSTER: -- the attachment you’re going to be 

looking for is the one labeled Document Package. Do you 

see that one? 

DALE OLMSTEAD: Just a second here. I got FSA 

form; I got document. 

WEBSTER: Yeah, document, that’s the one you’re 

looking for a package right there. You want to -- you’re 

going to want to open that one. 

DALE OLMSTEAD: Okay. There we go. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 34 of 72 

WEBSTER: All right. So when you see it -- did 

it load up and say required documents, instructions on 

the first page right there? 

DALE OLMSTEAD: Let me try again. It just... 

WEBSTER: You just -- you’re going to want to

 -- if you double click it really quickly, it should open 

up. 

DALE OLMSTEAD: Yeah, it’s -- it says 

generating preview right now. 

WEBSTER: Aah, I see. No problem. 

DALE OLMSTEAD: Okay, there it is. 

WEBSTER: Yeah. So this is the written 

instructions that I mentioned, and so it tells you all 

the documents that are necessary, as well as how to 

return the documents. So what I always tell people, this 

is the best one, so the whole entire PDF here, the whole 

entire attachment labeled Document Package, it’s always 

good to go ahead and save that one and make sure to print 

this one out. This whole package, you’re going to want 

to print out. 

DALE OLMSTEAD: All right. 

WEBSTER: And then -- so you’re good with that.

 I just wanted to go over and make sure that I can show 

you where it was at. So it’s going to be in there. So, 

of course, you’re going to want to save all the 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 35 of 72 

attachments because that’s all of everything that you’ve 

signed for your records; however, just make sure to print 

out the document package. That specific attachment is 

the one you’re going to want to print out. 

DALE OLMSTEAD: Okay. Yeah, I can get that 

printed out probably within the next couple of days. 

WEBSTER: All right, yeah, no --

DALE OLMSTEAD: (Inaudible). My wife a couple 

other questions. 

WEBSTER: Oh, no problem. I’ll be more than 

happy to answer those. 

DALE OLMSTEAD: All right. The first was do we 

need to pay the 420 on March 22nd. 

WEBSTER: Oh, the 420? So, legally, I cannot 

tell you not to pay your bill; however, this one’s going 

to be very important. However, if you were my relative, 

I would go ahead and tell you not to worry about it. 

DALE OLMSTEAD: Okay. So basically that’s the 

payment due date. 

WEBSTER: Yeah. So you’re referring to -- are 

you talking to your 4 -- the 420 towards your loan 

servicer? 

DALE OLMSTEAD: You. 

WEBSTER: So the 407 -- yeah, it’s actually --

that would be the amount of 407. 

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SUSAN OLMSTEAD: Okay. 

WEBSTER: Yeah. So that one would be the -- on 

the date that we set up, so it would be March -- or, 

sorry, yeah, sorry, back date here. All right, let’s 

see. We set it up for March 22nd. 

SUSAN OLMSTEAD: And that’s when the first one 

gets paid, right, that 407? 

WEBSTER: Yes, ma’am. 

SUSAN OLMSTEAD: Doesn’t the bank take it 

automatically out of the account? 

WEBSTER: Yes, it is set up on autodraft. The 

federal program does require that it be autodrafted frm 

that active checking or savings. 

SUSAN OLMSTEAD: Okay, that’s fine. Needed to 

know. 

DALE OLMSTEAD: Yeah, that way we can be sure 

as we’ve got the money in there to cover it. 

WEBSTER: Oh, no problem. I completely 

understand that. Constantly playing hopscotch between 

what the -- money that I put in savings and in checking 

just to make sure everything equals out and balances out 

for all of my drafted payments as well, especially for my 

car loan and mortgage and things of that such. 

However, I just wanted to make sure if there 

was any more questions or anything like that for me. 

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SUSAN OLMSTEAD: If we have any problems down 

the road, do we contact you? 

WEBSTER: Yes, you can contact me using my 

direct number; or you can contact our customer service.

 So either myself or my -- or customer service will be 

able to answer your questions. So if you call in, I’ll 

do my best to answer any question that you may have.

 And, you know, if I can’t answer it, I’ll find the 

appropriate person that will be able to answer that 

question for you, if not. 

SUSAN OLMSTEAD: Oh, thank you. 

WEBSTER: Oh, no problem. So I did send one 

more thing to Dale’s email. And that’s just what’s 

called FEBCP. It’s just a membership website. And if 

you open up the email, it actually gives you instructions 

on how to go ahead and set that up. And, so, that just 

contains things such as the free account with Lifelock.

 I don’t know if you’re familiar --

DALE OLMSTEAD: Yes. 

WEBSTER: -- theft protection, yeah, 

corporation in the world. So you get a free account with 

them. 

SUSAN OLMSTEAD: Oh, my goodness. 

WEBSTER: Yeah. So by -- so then you’re 

definitely -- you definitely would probably want to go 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 38 of 72 

, since 

ahead and take advantage of the website, so step one’s 

just visiting the website and entering the corresponding 

passphrase, which is included in the email. And then 

once you enter that, it will let you set up a user name 

and password in the email. The thing is you’re going to 

want to use Dale -- the 

that’s what you registered here with, when including that 

email. 

And then once you check that email, you’ll be 

able to confirm the account, and then you’ll have access 

to, I mean, tons of stuff. You’ll have forms, documents, 

all types of financial calculators for budgeting, things 

like that. Setting up retirement plans, things like 

that, you can find documentation on that. Student loan 

education kit. And there’s so much more on there.

 Roadside assistance. So, by all means, feel free to take 

advantage of that there. 

DALE OLMSTEAD: Okay, we certainly will. 

WEBSTER: All right, no problem. And there’s 

one last thing I’d like to talk to you about, just before 

I get you over to the verification process, and that’s 

going to be just the referral program. So, of course, as 

you know, many people do need help with their student 

loans. And, personally, we feel that we have a moral 

obligation to go ahead and share this information because 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 39 of 72 

not everyone’s actually privileged to it. 

So what we have actually is a robust but 

actually really simple referral program that the 

verification will talk to you about, and they help walk 

you through that process. But, basically, you’ll receive 

a $25 Tango (phonetic) rewards for every referral who 

successfully enrolls in the program. So you can think of 

it kind of like a gift card you can spend at nearly 60 

places, both online and at retail locations like Amazon, 

iTunes, et cetera. 

Also with this reward credit, you have also the 

option to donate to one of 15 charities supported by 

Ameritech Financial, such as Habitat for Humanity or the 

Wounded Warriors Project. And, so, what happens is we 

will actually match your donation. So if you were to 

donate whatever the amount would be, so the $25, we’ll 

actually go ahead and match that dollar for dollar for 

every single donation, every single time, to whatever 

donation that’s supported that it might be.

 So it’s a great way, you know, maybe you don’t 

want the extra $25 or there’s not much you would use it 

on. You can always donate it, you know, because there’s 

a lot of -- we actually have a lot of wounded warriors 

out there that could use the help. 

SUSAN OLMSTEAD: Our son is a wounded warrior. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 40 of 72 

WEBSTER: Yeah. So, I mean, we’re definitely 

advocates for supporting groups such as those. So if you 

feel that you wanted to donate any amount to them, like I 

said, we will match it dollar for dollar. And, so if you 

donate $50, we’ll donate another $50 to match that as 

well. 

SUSAN OLMSTEAD: Oh, how wonderful. 

WEBSTER: Yeah. And I will just contact you a 

few times in the next month or two, just to kind of give 

a talk about the referral program, but that is going to 

be the basic outline of the program and how it works.

 And like I said, verification will go over that and how 

that works with you a little bit more. All right? 

SUSAN OLMSTEAD: Yeah. 

WEBSTER: All right. So I do want to say 

congratulations. You’re actually good to go and ready to 

move on to the verification process. 

DALE OLMSTEAD: (Inaudible). 

WEBSTER: I do want to speak, Dale, as well to 

you. I know you have your student loans, so there’s some 

options. Once she’s on her verification call, if you 

have a hard line, another landline, I can actually speak 

to you while she does her portion. 

DALE OLMSTEAD: (Inaudible) what’s what we’re 

talking on right now. 

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WEBSTER: What was that? 

DALE OLMSTEAD: And cell phone reception in 

this area is really not good for trying to do --

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: -- long-term conversations. 

WEBSTER: All righty. No problem. So what 

I’ll go ahead and do is -- I don’t know if you want to 

set up another time, or if you want, I can -- I still do 

have another time slot available right after Susanne. So 

if you want, and she’s done with verification, then you 

can use the phone after, and I can go through yours.

 It’ll be a lot quicker since we already kind of know what 

goes with the process. We’ll have some of the 

information is going to be the same, of course. However, 

it’s all up to you. 

DALE OLMSTEAD: Yeah, that would be fine. 

WEBSTER: All righty. No problem. So I do 

want to mention, verification actually isn’t trained to 

answer any questions or anything of that such, only to 

verify information, unless it is about the Tango program.

 Of course they can answer questions about that. But as 

far as the account and anything, they won’t be able to 

help you with those questions. 

So if you do have any questions regarding that, 

since you guys -- just wait until after the verification 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 42 of 72 

process and let them verify your account and get it set 

up so that it can begin processing, and then whenever I’m 

on the phone, just going over Dale, Susanne, you can ask 

me any questions or you guys can ask me any questions at 

that time. That way we see your accounts are, you know, 

moving forward and getting processed as soon as possible. 

DALE OLMSTEAD: Okay. 

WEBSTER: All righty. So, perfect. I’ll talk 

to you in just a minute, Dale. You’re going to be on a 

brief hold while verification -- while you transfer over 

to them. Just stay on the line. It may take a minute, 

and just kind of hang in there with me. I’m going to try 

to get you over there pretty quickly. 

DALE OLMSTEAD: Okay. 

WEBSTER: And then I’ll be working with you 

pretty soon as soon as she’s done. All right, Dale? 

DALE OLMSTEAD: Yes. 

WEBSTER: All right, no problem. So, again, 

congratulations on your saving, Susan, and I’m going to 

have you in verification in three, two, one. 

KEVIN: Verification Department. This is 

Kevin. How may I help you today? 

WEBSTER: Hello, Kevin. This is Webster. I 

have a Susanne [sic] Olmstead on the line ready to go. I 

did the SEBC. I started -- well, I did my part as far as 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 43 of 72 

the new little Tango goes. Her web portals are good.

 FSA should be taken care of. However, her husband is on 

the line with her, so they’re probably going to have it 

on speakerphone or something similar. 

KEVIN: Okay. 

WEBSTER: I’m going to be signing him up next, 

so he’ll probably just be listening. 

KEVIN: Okay, no problem. 

WEBSTER: All right. 

KEVIN: Send them out. 

WEBSTER: All right. She’s on her way in 

three, two, one. 

KEVIN: Verification department. This is 

Kevin. How may I help you today? 

WEBSTER: Hello, Kevin. This is Webster. I 

have a Susanne [sic] Olmstead on the line, ready to go.

 I did the FEBC; I started -- well, I did my part as far 

as the new little Tango goes. Her web portals are good.

 FSA should be taken care of. However, her husband is on 

the line with her, so they’re probably going to have it 

on speakerphone or something similar. 

KEVIN: Okay. 

WEBSTER: I’m going to be signing him up next, 

so he’ll probably be just listening. 

KEVIN: Okay, no problem. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 44 of 72 

WEBSTER: All right. 

KEVIN: Send them out. 

WEBSTER: She’s on her way in three, two, one. 

KEVIN: Hello, Ms. Olmstead? 

DALE OLMSTEAD: Yes. 

KEVIN: Oh, is this Mr. Olmstead? 

DALE OLMSTEAD: Yes, it is. 

KEVIN: Hi, there. Yeah, this is Kevin. I’m 

going to be doing the verification for you. Is Susan 

available, or are you going to be doing this for her? 

SUSAN OLMSTEAD: No, I’m right here. 

DALE OLMSTEAD: Yeah, she’s here. 

KEVIN: Okay. We’ll just need her -- now, 

we’ll just need to speak with her or just get her word 

that we can do it with you, sir. So if I can talk to her 

real quick? 

SUSAN OLMSTEAD: Yeah, you can do it with him. 

KEVIN: I can do it with him. That’s all 

right, Susan? 

SUSAN OLMSTEAD: Yes, you can. You can 

(inaudible). 

KEVIN: Okay. All right. So we will need 

then, in that case, just going to need to verify your ID 

card or your driver’s license, as well as your bank 

routing and account numbers. Would you be able to give 

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those? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay, great. So that’s no problem.

 We’ll get through this, then. Do you have access to a 

computer right now? 

DALE OLMSTEAD: Yes, I do. 

KEVIN: All right, sir. If you get on there, 

I’m just going to -- if you open up your email, I’m going 

to register for a referral site real quick here. Let’s 

do that -- or her, Susan, rather, is supposed to be on 

there. So I’m going to send you a confirmation email to 

her email. Would you be able to get into her email 

there, the -- it looks like -- or actually, I guess you 

@att.net is the email we have there for 

her, so --

DALE OLMSTEAD: Right. 

KEVIN: -- get on that one. I’m going to just 

do that in one minute here. Let’s see. 

And then I don’t know if she wrote down the 

password that we used to create her other account, so I’m 

just using that same one. It’s the , with the 

lowercase , capital , capital , capital , . 

That’s just her -- that’s just her user number with us, 

as well, so I’m using that for the password for this 

referral site. And I’ll send you that email here in just 

got 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 46 of 72 

a second, sir, so just need to check in your inbox there. 

All right, it’s on its way. So you’ve got to 

refresh a couple of times to get it there in a minute. 

(Brief pause.) 

KEVIN: That email show up for you yet, sir? 

DALE OLMSTEAD: It just came in. 

KEVIN: Oh, okay, great. Yeah, there will be 

like a token in there. It’s like a little code used to 

confirm your email. So you can just copy that, and click 

on the link, and it’s going to paste it into that little 

-- and there will be a little field to paste that into, 

and just click on that link in there. 

(Pause.) 

DALE OLMSTEAD: Okay. This is email 

confirmation. 

KEVIN: What’s that? 

DALE OLMSTEAD: It’s an email confirmation, and 

they got the share with friends and family. 

KEVIN: Yeah, yeah. So just go ahead and there 

will be a -- it will say like enter your confirmation 

token. That’s just that little string of numbers and 

stuff they sent in that email. 

DALE OLMSTEAD: Yep. 

KEVIN: So you can just paste that in there or 

copy it over and hit confirm email. 

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DALE OLMSTEAD: Yeah, I did that. 

KEVIN: Oh, you did that already? Okay, so the 

next thing you’re going to do is if you see where it --

or, actually, you’re probably going to have to log in to 

it, so just use your email address there, sir, and then 

your password. I can give you the password if you need 

it, that same password that we used for her other portals 

that we set up for her. Do you need that? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. So it’s -- it’s a lowercase , 

as in . 

DALE OLMSTEAD: Okay. 

KEVIN: And then an uppercase , as in . 

DALE OLMSTEAD: Okay. 

KEVIN: Uppercase , as in . 

DALE OLMSTEAD: Okay. 

KEVIN: Uppercase , as in . 

DALE OLMSTEAD: All right. 

KEVIN: And then . 

DALE OLMSTEAD: All right. 

KEVIN: . 

DALE OLMSTEAD: Okay. 

KEVIN: All right, and then if you can click 

the login there. 

DALE OLMSTEAD: All right. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 48 of 72 

KEVIN: And once you’re in, you’re just going 

to hit -- this is where basically you get your 25 bucks 

every time you refer somebody to us successfully. It’s 

just awesome, so you can just hit -- you have “post to 

Facebook link,” it will just the whole thing to your 

Facebook there. It will ask you to log in to her 

Facebook, or maybe you can do it on yours too, but go 

ahead and click on that guy, log in. You have to try and 

click on it twice, click on it once, then click on that 

blue button. 

DALE OLMSTEAD: Okay. Okay. 

KEVIN: All right. So, yeah, once you got that 

posted, that’s pretty much it. That’s all you have to 

do. You can post it to other sites too, you know, 

LinkedIn, Twitter, send emails to folks if you like.

 Just refer as many people as you can if you like, and you 

can check the status of that if you go to my account on 

file and click on that, you can check to see how many 

people you referred and stuff like that. So you can 

check that out when you get a chance there (inaudible) 

pretty much all is good there. 

If you want to mark yourself down that user 

name and password again, it’s just your email address for 

the user name and then that password again. I can give 

you it again if you want to write it down. It’s good to 

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have. It actually might be in that email, too. I’m not 

sure, you know, what comes in that email. 

DALE OLMSTEAD: Yeah -- email? 

KEVIN: Yeah, it’s an email, so you can just 

save that email maybe or print it out even if you want to 

keep track of that. So, anyhow, we’re going to be moving 

on to the verification portion -- enrollment and 

verification. So, sir, I am -- I’ll be asking some 

questions here. We’re going to (inaudible) this 

information, so I ask you to answer each of my questions 

with a clear yes or correct for the record, please. 

And, again, my name is Kevin. Today’s date is 

March 7th, 2016, and I will be recording this call to 

confirm and verify Susan’s enrollment with Ameritech 

Financial, as well as activating necessary accounts to 

gain access to your student loan information. 

So what we’re going to be doing is just, again, 

going over some information. If you have any questions 

about that information, sir, go ahead and stop and ask 

me. It’s my job to transfer you back to Mr. Webster to 

answer those for you. 

First thing I need to ask you, sir, is do you 

consent to this call being recorded or monitored? Yes or 

no? 

DALE OLMSTEAD: Yes. 

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KEVIN: Okay, great. And, again, you will need 

to have her bank routing and account numbers available, 

as well as her driver’s license or ID card for this part.

 Just have those out and ready. First thing I need to 

confirm is I am speaking with Dale Olmstead on behalf of 

Susan Olmstead, is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. Spelling of Susan’s name, sir, 

is S U S A N, Olmstead, O L M S T E A D. Is that 

correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And does Susan have any former 

last names? 

DALE OLMSTEAD: Just her maiden name. 

KEVIN: Yeah, and what would that be? 

DALE OLMSTEAD: . 

KEVIN: . 

DALE OLMSTEAD: . 

KEVIN: Okay. Thank you, sir. And I got her 

address listed here as , 

. Is that correct? 

DALE OLMSTEAD: Yes, sir. 

KEVIN: Okay, great. And got date of birth for 

her listed as ; is that correct? 

DALE OLMSTEAD: Yes. 

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KEVIN: Okay. And her Social Security card 

number, XXX-XX-XXXX. 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. Current employer for her is not 

applicable; is that correct? 

DALE OLMSTEAD: That’s right. 

KEVIN: And occupation is homemaker, correct? 

DALE OLMSTEAD: Yes. 

KEVIN: All right. And just to confirm, I see 

her current adjusted gross income is zero; is that 

correct? 

DALE OLMSTEAD: Yes, it is. 

KEVIN: Okay. Driver’s license or ID card I 

have for listed as , as in , XXXXXXXXXXXX, issued 

in . Is that correct, sir? 

DALE OLMSTEAD: Yes. 

KEVIN: All right, great. And just to confirm 

here, I see her stated family size is going to be six.

 Is that correct? 

DALE OLMSTEAD: That would be -- what? 

KEVIN: It’s going to be six. It’s a little 

bit -- it’s a little bit different, the way they do that.

 She would have talked to Mr. Webster about that earlier.

 It can include people not in your immediate family or in 

the household necessarily. So --

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 52 of 72 

DALE OLMSTEAD: Oh, okay. 

KEVIN: If you want to just ask her, that’s --

that’s what they decided on. Is she around still, or no? 

DALE OLMSTEAD: Yeah, she is. She just peeked 

her head around the corner, but she can hear what’s going 

on. 

KEVIN: Oh, okay. 

DALE OLMSTEAD: I’ve got it --

KEVIN: Yeah, go ahead and just -- hey, Susan

 -- would she be able to hear me if I’m talking to her?

 Ask her if the family size of six, if that’s what she 

decided on with Webster -- Mr. Webster or if that’s 

incorrect (inaudible) if that’s correct. 

DALE OLMSTEAD: Yes, it is. 

KEVIN: Thank you. That is correct, okay, 

great. And, so, she was informed and understand that the 

purpose of this call, sir, is to confirm her acceptance 

of the financial analysis evaluation that she received, 

the financial education benefits center program 

enrollment, the student loan financial education kit, and 

the Ameritech student loan document preparation service 

agreement. Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And the email address you’re 

going to be using for Susan is @att.net; is 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 53 of 72 

that correct? 

DALE OLMSTEAD: Yes, it is. 

KEVIN: Okay, great. And we got her total 

estimated federal student loan debt amount being 

processed is approximately $ . Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And just so you’re aware, the 

following payment information we’re about to discuss is 

an itemized summary of what she was quoted during her 

conversation with your account specialist, Mr. Webster, 

earlier. So to sum that up, you do understand her total 

estimated monthly payment, explained by her account 

specialist, would be $119, of which she will pay $20 

directly to her student loan service provider as her new 

qualified monthly payment, and $99 for the monthly 

benefits center program. And this will be coming from 

her checking account in XXXX; is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And for those monthly program 

payments, your bank -- her bank’s name as it appears is 

Independent Bank; is that correct, sir? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And her bank routing number I 

have to confirm with you in its entirety. I have 

XXXXXXXXX. Is that correct? 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 54 of 72 

DALE OLMSTEAD: Yes, it is. 

KEVIN: Okay. Bank account number we have for 

her listed as XXXXXXX. Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay, great. So you were -- or she was 

informed, rather, by her account specialist that part of 

this verification is to confirm her acceptance of the 

financial analysis evaluation she received, the financial 

education benefits center program enrollment, and the 

student loan financial education kit. And this will be 

charged as follows. It’s a one-time, $100 enrollment fee 

scheduled to be drafted March 22nd, 2016, and payments of 

$99 per month, also beginning on February 22nd, 2016, 

coming from her checking account ending in XXXX. Is that 

correct, sir? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And she was also informed that 

this verification is to confirm her acceptance of the 

Ameritech Financial Federal Student Loan Document 

Preparation Service Agreement in the amount of $800.

 This amount is scheduled to be charged as follows. A 

payment of $208 scheduled to be drafted on March 22nd, 

2016, and a payment of $308 scheduled to be drafted April 

22nd, 2016 and will continue for one additional month.

 And that’s coming from her checking account as well. Is 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 55 of 72 

that correct, sir? 

DALE OLMSTEAD: Yes, that’s correct. Question 

(inaudible) 407 that was the first three months? 

KEVIN: Correct, sir. Yes, 407 is all included 

in that. We just broke it down for you, letting you know 

what -- what she’s paying for pretty much. Do you 

understand the breakdown of that, sir? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay, great. And, yeah, it’s all going 

to be exactly as quoted by Mr. Webster earlier, 407 for 

three months and the 119 going forward. So next thing 

here. You do understand that the charges we just 

discussed are not for any other product or service, nor 

will any portion of these amounts be disbursed 

(inaudible) your creditors -- or her creditors, rather, 

or her student loan service providers; is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And she was informed and 

understand she will be required to provide Ameritech 

Financial with a copy of her most recently filed full tax 

return, as well as her most current pay stubs, and these 

documents should be emailed to income.doc 

@ameritechfinancial.com or faxed to 1-866-818-9026. Is 

that correct? 

DALE OLMSTEAD: Yes. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 56 of 72 

KEVIN: Okay. And just to confirm, I see her 

current tax filing status is . Is that 

correct? 

DALE OLMSTEAD: No. 

KEVIN: No? Is it ? 

DALE OLMSTEAD: . 

KEVIN: , okay. Hold on one second there, 

sir. 

(Brief pause.) 

KEVIN: Let’s see here. Spouse, annual income.

 I just want to make sure that Mr. Webster based those 

payments off of the joint -- both your income, because 

that could possibly change. I think it’s going to. It 

doesn’t look like it should. I just need to verify.

 (Inaudible) just hold on one minute while I get a hold of 

him here. 

(Brief pause.) 

KEVIN: I’m going to go ahead and get you back 

with Mr. Webster real quick, sir, and you can kind of --

we just need to confirm that filing status with you, 

okay? And then we’ll get back to me and we’ll finish 

this up pretty quickly for you. Okay? 

DALE OLMSTEAD: All right. 

KEVIN: Thank you, sir. One moment. 

WEBSTER: Hello, Kevin. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 57 of 72 

KEVIN: Hey, man. So, yeah, I think --

because, you know, they can still file joint, I believe, 

and if she’s not making any income --

WEBSTER: Yeah. 

KEVIN: -- because she (inaudible) other stuff, 

so just make sure --

WEBSTER: Mm-hmm. 

KEVIN: -- you know, and just make sure the 

payments aren’t going to change. Let me know if they do, 

and I do need to get back with him, because we’re not 

finished yet here. Okay? 

WEBSTER: I’m going to have to res. on that --

for that, aren’t I? 

KEVIN: Yes. We’re going to resign, so go 

ahead --

WEBSTER: All right. 

KEVIN: -- and, yeah, you can sign the 

paperwork once you get it all squared away. And it’s the 

last thing I had to confirm with them still. Good to go 

there, all right? 

WEBSTER: All righty, no problems. So, do you 

-- so I just need to -- do I need to transfer them back 

to you still once I do that? 

KEVIN: Yes, you do. Yeah. 

WEBSTER: Okay. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 58 of 72 

KEVIN: I’m not done here, not quite. I’ll be 

done in a second, though, once you do, so be ready to --

WEBSTER: All right, no problem. 

KEVIN: -- get confirmed, all right. So here 

he is, three, two, one. Oh, his name is Dale, by the 

way, in case you didn’t know. Yeah. 

WEBSTER: Mm-hmm. 

KEVIN: Three, two, one. 

WEBSTER: Hello, Kevin. 

KEVIN: Hey, man. So, yeah, I think --

because, you know, they can still file joint, I believe, 

and if she’s not making any income --

WEBSTER: Yeah. 

KEVIN: -- because she (inaudible) other stuff, 

so just make sure --

WEBSTER: Mm-hmm. 

KEVIN: -- you know, and just make sure the 

payments aren’t going to change. Let me know if they do, 

and I do need to get back with him, because we’re not 

finished yet here. Okay? 

WEBSTER: I’m going to have to res. on that --

for that, aren’t I? 

KEVIN: Yes. We’re going to have to resign, so 

go ahead --

WEBSTER: All right. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 59 of 72 

KEVIN: -- and, yeah, you can sign the 

paperwork once you get it all squared away. And it’s the 

last thing I had to confirm with them still. Good to go 

there, all right? 

WEBSTER: All righty, no problems. So, do you 

-- so I just need to -- do I need to transfer them back 

to you still once I do that? 

KEVIN: Yes, you do. Yeah. 

WEBSTER: Okay. 

KEVIN: I’m not done here, not quite. I’ll be 

done in a second, though, once you do, so be ready to --

WEBSTER: All right, no problem. 

KEVIN: -- get confirmed, all right. So here 

he is, three, two, one. Oh, his name is Dale, by the 

way, in case you didn’t know. Yeah. 

WEBSTER: Mm-hmm. 

KEVIN: Three, two, one. 

WEBSTER: Hello, Dale? 

DALE OLMSTEAD: Yes. 

WEBSTER: All right, yeah. So they’re going 

with me over the tax filing status, basically the 

married, separate and married, joint. That’s just going 

forward in the future. Based off your wife not really 

having any income, it doesn’t affect your quote. I can 

go ahead and switch you -- we can switch it right over to 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 60 of 72 

, so that’s no problem at all. It’s just 

saying if -- it’s not saying, oh, I will file this, this 

is what I will file. It’s just an estimation. So if 

there’s the possibility of 

what I put, however, since it doesn’t affect your quote, 

based on your guys’ situation, I can go ahead and do 

, and we’ll just have to resign the contract really 

quick. 

DALE OLMSTEAD: Okay. 

WEBSTER: So whichever way you want to do it, 

just let me know, and I’ll get it over to you if I need 

to. 

DALE OLMSTEAD: Yeah, let’s go ahead and sign 

the corrected. 

WEBSTER: All right, no problem. 

DALE OLMSTEAD: (Inaudible). 

WEBSTER: And, so, I just need a little bit 

more information on you, Dale. This actually helps 

because it will allow for me to start having that 

information for when we go over your student loans. The 

first one’s just being I’m going to need your date of 

birth. 

DALE OLMSTEAD: It’s .

 WEBSTER: All right. And then your Social 

Security number, sir? 

, is 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 61 of 72 

DALE OLMSTEAD: XXX-XX-XXXX. 

WEBSTER: All right. And then the next would 

just be your employer’s name. 

DALE OLMSTEAD: City of .

 WEBSTER: All right. And, then, lastly, a good 

phone number for them, your employer? 

DALE OLMSTEAD: Area code . 

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: . 

WEBSTER: Mm-hmm. 

DALE OLMSTEAD: . 

WEBSTER: All righty. No problem. All right.

 So what I’m going to do is I’m going to go ahead and get 

that DocuSign over to you. So I’m going to make sure 

that Susan does go ahead and get that $25 credit, so I’m 

going to put you as her referral when we do your account.

 And like I said, you could spend that, donate it, however 

you wanted to go ahead and go about that process. It’s 

up to you. 

DALE OLMSTEAD: Yeah. Yeah, we were talking 

about it, and we’d kind of like it to go to the Wounded 

Warrior Project. 

WEBSTER: Mm-hmm. Yeah, no problem. And our 

verification will make sure to go ahead and take care of 

all that as well. They do handle the back end of it. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 62 of 72 

But I’m actually very glad to hear that. A lot of -- you 

know, it provides so many services, not only, you know, 

can you save money on your student loans, as well as 

helping somebody by referring them, but now it extends 

that reach, you know, even further to be able to help 

organizations such as Wounded Warrior Project raise 

funding. You know what I mean? 

SUSAN OLMSTEAD: We’re a military family. 

WEBSTER: Mm-hmm. I actually understand 

myself. My father and my uncle were actually both 

drafted in Vietnam to actually go serve. And my uncle --

my father turned out all right, a little bit better than 

my uncle, most so much, a little bit of --

. It’s getting better now. 

SUSAN OLMSTEAD: That’s what our , , 

. But my dad went over to Vietnam and he was a

 -- he’s a -- he was a pilot, and he spent 20 years in 

service. He was over there at Vietnam, and all he did 

was reconnaissance, taking pictures. 

WEBSTER: Uh-huh. 

SUSAN OLMSTEAD: And had no bombs or nothing on 

him. 

WEBSTER: Yeah. 

SUSAN OLMSTEAD: And Dale’s retired Navy. 

WEBSTER: (Inaudible) yeah. So my father, he 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 63 of 72 

went -- let’s see, he went -- they both, of course, 

started off Marines. After that, my father went Army, 

and then he transferred actually one more time and 

finished up with the Air Force because he wanted to 

finish his JAG. 

DALE OLMSTEAD: Yeah. 

WEBSTER: So he made quite a bit of progress 

while he was in there. Definitely proud of him for that.

 I’m just trying to find this proper paperwork so I can 

get it over to you. 

DALE OLMSTEAD: Okay. 

WEBSTER: There we go. There it is. I was 

having trouble finding it. And, so ... all righty. All 

righty. And so I’m getting that all, and I’ll let you 

know when that goes through on my end. 

DALE OLMSTEAD: Okay. 

WEBSTER: Yeah, so, by all means, feel free to 

go ahead and spread the word, because like I said, the 

more people you refer, you know, the more (inaudible) 

credit that you can get to even donate. So, I mean, if 

you get a free credit that we’re on top of that, already 

going to match, so basically every time you refer 

somebody you have the opportunity to donate basically $50 

to the Wounded Warrior project, or if you decide to do 

other donations to other corporations, or I should say 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 64 of 72 

nonprofits as well, you can completely do so. 

SUSAN OLMSTEAD: Sounds good. 

WEBSTER: All right. And those documents 

should just be in your email. Get in there right now if 

you refresh. 

DALE OLMSTEAD: Okay. 

WEBSTER: (Inaudible). 

(Pause.) 

WEBSTER: And were you able to get that 

DocuSign again? 

DALE OLMSTEAD: Yes. I’m going through getting 

the signatures and initials. 

WEBSTER: Oh, all righty. No problem. 

DALE OLMSTEAD: Some of it’s taking a little 

time to load. 

WEBSTER: Oh, no problem. 

(Pause.) 

DALE OLMSTEAD: Okay. All been signed, 

finished, and sent to you. 

WEBSTER: No problem. So what I’m going to do 

is I’m going to get you over back to Kevin so he can 

finish up Susan’s. And then do you -- you have my direct 

line, correct, the 916-384-9793? 

DALE OLMSTEAD: Let me look in the email here 

to be sure. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 65 of 72 

SUSAN OLMSTEAD: Write it down. 

WEBSTER: Yeah, if you want, I can go ahead and 

give it to you and you can write it down. That way, as 

soon as she’s done, you can go ahead and give me a call.

 I’ll actually begin working on your profile while she’s 

still in her verification. That way, when you call, it 

can be a -- as quick and easy of a process as possible 

for you, since you already know everything. That way, 

all we have to really run over with you is a quote and 

everything. 

DALE OLMSTEAD: Okay. 

WEBSTER: All righty. So like I said, I’m 

going to get you over to Kevin right now, so just give me 

one moment. 

DALE OLMSTEAD: Give me your direct number 

again. 

WEBSTER: Oh, yeah, no problem. It’s going to 

be 916. 

DALE OLMSTEAD: Okay. 

WEBSTER: 384. 

DALE OLMSTEAD: Okay. 

WEBSTER: 9793. 

DALE OLMSTEAD: 793. Okay. 

WEBSTER: All right, yeah. So as soon as 

they’re done with Susan and they let you get off the 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 66 of 72 

phone, go ahead and give me a call right back. You’ll 

probably go to my voicemail, and then I’ll just return 

the call right after, because I’m going to put my phone 

on busy so I don’t -- so nobody else calls in and tries 

to start up anything. So I’ll keep myself free for you. 

DALE OLMSTEAD: Okay. 

WEBSTER: All righty. So I’m going to get you 

over to Kevin, and then I’ll be talking to you in a 

moment, all right? 

DALE OLMSTEAD: All right. 

WEBSTER: All righty. 

KEVIN: Hey, Mr. Webster. 

WEBSTER: Hello, Kevin. All right, so they’re 

all good to go with the -- the resign on . And I 

put in all that info. 

KEVIN: Awesome, man. Yeah, go ahead and send 

them back. 

WEBSTER: All right. They’re on their way in 

three, two, one. 

KEVIN: Hey, Mr. Webster. 

WEBSTER: Hello, Kevin. All right, so they’re 

all good to go with the -- the resign on . And I 

put in all that info. 

KEVIN: Awesome, man. Yeah, go ahead and send 

them back. 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 67 of 72 

WEBSTER: All right. They’re on their way in 

three, two, one. 

KEVIN: All right, Mr. Olmstead. You got all 

that cleared up with Mr. Webster? 

DALE OLMSTEAD: Yes, we did. 

KEVIN: Okay, great. So we’re going to get 

this up and it’s knocked out for you. So picking up 

where we left off, just to confirm, it’s the -- Susan’s 

tax filing status is ; is that correct? 

DALE OLMSTEAD: Yes, it is. 

KEVIN: Okay, great. And you confirm as well 

that the loans she has represented to Ameritech Financial 

are all federally backed by the U.S. Department of 

Education, and you’ve been advised we’ll not be 

processing any private student loans that she may have.

 Is that correct, sir? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And just to confirm her loan 

status, I see her loans are current at the moment. Is 

that cornet? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And she was informed by our 

account specialist that she may receive calls and/or mail 

correspondence from her current student loan servicer 

while her applications are being processed, and this is 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 68 of 72 

normal during her transition into the programs because of 

lender communication overlap during the consolidation 

period. Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And she is aware that Ameritech 

Financial is assisting her in qualifying for one or 

multiple different Government-backed monitored and 

regulated federal student loan assistance programs 

through the U.S. Department of Education which will allow 

her to modify her current loan situation so she may 

receive the maximum benefit available to her under 

federal regulation and guidelines, correct? 

DALE OLMSTEAD: Yes. 

KEVIN: All right. And she was informed and 

understand Ameritech Financial does not directly assist 

her in obtaining credit, a loan, or improving her credit 

rating. Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: All right. And you -- you’re also 

informed and understand that Ameritech Financial is not a 

credit repair service organization, a consumer credit 

counseling agency, a debt settlement company, a license 

real estate agency, a law firm, your tax advisor, your 

student loan service provider, government agency, or 

affiliated with any such companies, individuals, or 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 69 of 72 

agencies. Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: All right. And you were informed as 

well Ameritech Financial is not responsible for and will 

never collect any of her funds in order to make payments 

directly to any of Susan’s lenders and that Ameritech 

Financial will never make payments or advance money for 

any purpose on her behalf. Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And you do acknowledge that she 

has received electronically a copy of her receipt, 

agreements, and privacy policy from Ameritech Financial. 

Is that correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. And, importantly, you were 

informed and understand Ameritech Financial will be 

communicating with Susan via email and telephone 

regarding information we may need to further process your 

file -- or her file or update her account. Is that 

correct? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay. Finally, Dale, do you accept 

this agreement on Susan’s behalf? Yes or no? 

DALE OLMSTEAD: Yes. 

KEVIN: Okay, great. So going forward, if she 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 70 of 72 

does have any questions or inquiries regarding her 

account here, we ask her please direct those to our 

customer service department. As a valued client, their 

role is to serve her every need and provide her with 

superior, 100 percent total client satisfaction, and 

they’ll be available to assist Monday through Friday, 

8:00 a.m. to 5:00 p.m., Pacific Standard Time, and can be 

reached at 1-800-792-8621, extension zero, or via email 

as well at customer.service@ameritechfinancial.com. 

Finally here, one last thing, if you think 

Susan might be interested in this, we have a -- a lending 

partner who specializes in working with people with 

student loan debt and who are seeking to refinance their 

home mortgage or purchase a home in the near future.

 They’ll work with your financial situation and structure 

payments based around the savings you will be getting 

through these federal student loan programs that she’ll 

be enrolling in. If you think she might be interested, I 

can have her give them -- give her a call later on, 

probably in the next five business days you’re looking at 

for that. Would you like me to have them get in touch 

with her? 

DALE OLMSTEAD: No, not (inaudible). 

KEVIN: Oh, okay. No worries. If she’s every 

interested in that, just tell her to give us a call. We 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 71 of 72 

can hook her up with them. So, anyhow (inaudible) and 

verification is complete. I just need to check one last 

thing in terms of that paperwork resent, which that’s all 

good to go. Let’s just see, okay. 

Looks good (inaudible). Okay, Mr. Olmstead, I 

do appreciate your time today, sir. Susan’s verification 

is complete, and congratulations on her savings as well.

 I hope you guys both have a great day out there. Okay? 

DALE OLMSTEAD: All right. Thank you. 

KEVIN: You’re welcome. Bye-bye. 

DALE OLMSTEAD: Bye. 

(The call was concluded.) 

(The recording was concluded.) 

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Case 4:18-cv-00806-SBA Document 70-29 Filed 03/05/18 Page 72 of 72 

CERTIFICATE OF TRANSCRIPTIONIST 

I, Sara J. Vance, do hereby certify that the 

foregoing proceedings and/or conversations were 

transcribed by me via CD, videotape, audiotape or digital 

recording, and reduced to typewriting under my 

supervision; that I had no role in the recording of this 

material; and that it has been transcribed to the best of 

my ability given the quality and clarity of the recording 

media. 

I further certify that I am neither counsel 

for, related to, nor employed by any of the parties to 

the action in which these proceedings were transcribed; 

and further, that I am not a relative or employee of any 

attorney or counsel employed by the parties hereto, nor 

financially or otherwise interested in the outcome of the 

action. 

DATE: 6/5/2017

 SARA J. VANCE, CERT 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 1 of 57 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 2 of 57 

1 OFFICIAL TRANSCRIPT PROCEEDING 

2 

FEDERAL TRADE COMMISSION 

3 

4 

5 

MATTER NO. 1723027 

6 

TITLE AMERICAN FINANCIAL BENEFITS CENTER 

7 

DATE RECORDED: DATE UNKNOWN 

8 TRANSCRIBED: JUNE 6, 2017 

9 PAGES 1 THROUGH 56 

10 

11 

12 TELEPHONE CONVERSATION BETWEEN 

REPRESENTATIVE (TIM) AND CONSUMER (TIM) 

13 FTC-BBB-00342 

14 

15 

16 

17 

18 

19 

20 

21 

22 

23 

24 For The Record, Inc. 

25 (301) 870-8025 - www.ftrinc.net - (800) 921-5555 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 3 of 57 

FEDERAL TRADE COMMISSION 

I N D E X 

RECORDING: PAGE: 

Conversation between Tim and Tim 4 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 4 of 57 

FEDERAL TRADE COMMISSION 

In the Matter of: ) 

American Financial Benefit ) Matter No. 1723027 

Services ) 

------------------------------) 

Date Unknown

 The following transcript was produced from a 

digital file provided to For The Record, Inc. on May 

19, 2017. 

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R O C E E D I N G S 

TELEPHONE CONVERSATION BETWEEN TI M AND TIM 

TI M (REPRESENTATI VE) : This i s Ti m. How can 

I help you? 

He l l o? 

TIM (CONSUMER) : I 'm sorry . What i s your 

TI M (REPRESENTATI VE) : This i s Ti m --

TIM (CONSUMER) : Hel lo? 

TI M (REPRESENTATI VE) : Yeah, this i s Ti m 

wi th Ameritech Fi nanci a l . 

name . 

call ing 

TI M (CONSUMER) : Oh, my name i s Ti m, too . 

TI M (REPRESENTATI VE) : Oh, sweet . Good 

TI M (CONSUMER) : That i t is. 

TI M (REPRESENTATI VE) : How can I help you 

TIM (CONSUMER) : I ' l l tel l you, Ti m, I 'm 

I 'm calling i n response to a letter that I 

got in the mai l about a student loan payment reduction 

and forgi veness program. 

TI M (REPRESENTATI VE) : Okay . Number on top 

o f the letter? Starts wi th ~- Can I have the rest 

o f i t, p l ease . 

TIM (CONSUMER) : Yes, yes . Yes, the rest o f 

it i s -. 

Stiner Attachment DD - 4 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 5 of 57 
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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 6 of 57 

TIM (REPRESENTATIVE): All right. Timothy 

Jones. 

TIM (CONSUMER): That’s me. 

TIM (REPRESENTATIVE): All right. I’m going 

to pull you up in my computer here, Timothy. Why 

don’t you tell me a little bit about your current loan 

situation. 

TIM (CONSUMER): Okay. Well, currently, I’m 

on deferred status. Hold on. I’m pulling up my 

information on my laptop right now. 

TIM (REPRESENTATIVE): Okay. Which website 

are you using? Are you using the FSA? Or are you on 

your -- you loan processor’s site? 

TIM (CONSUMER): I’m on Fed Loan Servicing. 

TIM (REPRESENTATIVE): Okay. Is that who 

your loan is through? 

TIM (CONSUMER): Yes. 

TIM (REPRESENTATIVE): Obviously, okay.

 Okay. That’s something that we do, too, as part of 

the process. We’ll -- so we check because the program 

is for federal loans. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): So those are -- you 

know, those are the type of loans that we would be 

able to work with you on. Do you have any private 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 7 of 57 

loans? Do you have any private loans? 

TIM (CONSUMER): I don’t believe so. The 

ones that I have listed on my loan summary are direct 

-- the direct unsubsidized Stafford loan --

TIM (REPRESENTATIVE): Uh-huh. 

TIM (CONSUMER): -- and then there -- yeah, 

all of these are direct -- direct unsubsidized 

Stafford loans and direct subsidized Stafford loans. 

TIM (REPRESENTATIVE): Okay, yeah. So did 

you get all -- all of your loans through the school 

system? 

TIM (CONSUMER): Yes. 

TIM (REPRESENTATIVE): Okay. They’re

 most -- most likely all of your loans are federal.

 Usually people will know if they had a private loan. 

So -- but, yeah, there’s -- we’ll check the 

Federal Student Aid database later if we -- if we get 

to that point, you know, to find out if we can find 

some benefit in this for you. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): So what are you 

showing on there? 

TIM (CONSUMER): Say that again. 

TIM (REPRESENTATIVE): What are you showing 

on your -- on the Fed Loan? Does it have a total loan 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 8 of 57 

balance? 

TIM (CONSUMER): Yeah, yeah. My total loan 

balance is at the bottom. 

TIM (REPRESENTATIVE): And can you tell me 

what that is? 

TIM (CONSUMER): So -- yeah, okay. So the 

total loan balance for all of my loans is $ .

 TIM (REPRESENTATIVE): Okay. And what is 

your current monthly payment? 

TIM (CONSUMER): Well, my current monthly 

payment was $402.43 a month, but last -- I mean, last 

summer, I applied for a deferred status, and they 

approved that. So right now, my monthly payment is 

zero balance. 

TIM (REPRESENTATIVE): Okay. So is that a 

forbearance or a deferrence? Deferrence is -- so they 

-- they agree -- (break in phone call). 

TIM (CONSUMER): Hello? 

TIM (REPRESENTATIVE): Yeah, can you hear 

me? 

TIM (CONSUMER): Yeah, yeah, I can hear you.

 Just --

TIM (REPRESENTATIVE): I’m sorry. I must 

have hit my cord or something. 

TIM (CONSUMER): Okay. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 9 of 57 

TIM (REPRESENTATIVE): So it’s a deferrence?

 Forbearance is --

TIM (CONSUMER): I think -- actually, it may 

be forbearance. I’m sorry. 

TIM (REPRESENTATIVE): Yeah, because that’s 

-- forbearance is usually -- you get three years of 

forbearance, and that’s you basically saying I need to 

-- I need to freeze this for a little while, you know?

 Deferrence is usually when, you know, Fed Loan will 

freeze it at no cost to your forbearance. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Which as long as it 

hasn’t been more than three years, you’re -- you’re 

okay. So --

TIM (CONSUMER): Yeah. Okay, now that you 

say -- now that you say that, I am on forbearance. 

TIM (REPRESENTATIVE): Okay. Yeah, that’s 

another thing that we’ll do, you know, for -- as part 

of our process, because then when we consolidate the 

loans, we -- you know, we throw it in the forbearance 

for, you know, about 30 days until we can get the 

paperwork done and -- and all that stuff. So as long 

as it’s -- you said last summer you did it? 

TIM (CONSUMER): Yeah, last summer -- yeah, 

I -- I sent in my application, and I went through the 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 10 of 57 

whole process and everything, and they said that I got 

approved for a year. So I have a zero balance on my 

account for a year. 

TIM (REPRESENTATIVE): Okay. So let me 

explain to you how this program (inaudible). This is 

-- this is William D. -- Forgiveness Act. It’s 

actually this -- this program’s been around about ten 

years. So some people are calling -- calling it the 

Obama Forgiveness Program as of 2010 as part of the 

Stimulus Act, he -- you know, he made some changes to 

the -- to the program to what it is today. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): And what it does is 

it basically allows people who are in good standings 

on their loan and are able to make qual- -- hold on, 

Tim. I turned you down. Can you hear me still? 

TIM (CONSUMER): Yeah, I can hear you. Hey, 

it sounds like you’re going in and out, though. 

TIM (REPRESENTATIVE): Sorry, Tim. Can you 

hear me? 

TIM (CONSUMER): Yeah, I can hear you. 

TIM (REPRESENTATIVE): Okay. I hit the 

volume button on this thing, and it went all the way 

down. Okay. 

So -- so what it does is it -- people who 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 11 of 57 

can make -- can make their qualified payments, have --

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): -- a loan that’s in 

good standings, which means --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- it’s not in -- not 

in default, which yours is not. 

TIM (CONSUMER): (Inaudible). 

TIM (REPRESENTATIVE): They are federal --

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): -- federal loans, and 

-- and they have some income qualifications and, yeah, 

you have to -- you know, state your -- state your 

family size and kind of paint a picture of the income 

and see what’s going on there. So, real quick, what 

do you do for your occupation? 

TIM (CONSUMER): I’m a federal employee with 

the . 

TIM (REPRESENTATIVE): Oh, perfect, okay, 

because there’s two programs here. One of them is the 

-- it’s -- it’s for people who work in either 

nonprofit, government institution --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- or, you know, 

something of that nature. And the benefit of that is 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 12 of 57 

that most people that get into this program are going 

to be cashed out 25 years for the forgiveness part.

 Now, there’s --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- now, the first 

part of it is the lower payment. The second part of 

it is the real benefit, and that is the loan 

forgiveness. And what that is is after you make your 

qualified payments for the life of your loan at a 

reduced rate, you then -- the Federal Government will 

then pay off the remaining balance of your loan, and 

you are forgiven of that debt. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): So -- and --

TIM (CONSUMER): Now, what was -- I didn’t 

hear what you said about the 25 years part. 

TIM (REPRESENTATIVE): Yeah. So -- so 

because you work in a government institution, you will 

qualify --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- for a ten-year 

plan, which means you only have to pay for your loan 

at a -- at a reduced monthly payment for ten years, 

and then you will be relieved of -- of that debt, the 

remaining balance. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 13 of 57 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): So, I mean, that’s a 

real benefit for anybody who’s in any kind of public 

service, just -- just a great, great deal for them.

 So let’s see here. 

So what I need from you is -- okay, I’m 

sorry, Tim. I’m putting this in the computer. So the 

occupation was -- can you give me the title again? 

TIM (CONSUMER): You mean my specific title? 

TIM (REPRESENTATIVE): Or, yeah, just -- I 

just need to put occupation. So you said a federal --

TIM (CONSUMER): A federal employee with the 

. 

TIM (REPRESENTATIVE): Okay. Yeah, if you 

work for the -- the Federal Government, then you 

understand that our paperwork has to be perfect. 

TIM (CONSUMER): (Inaudible). 

TIM (REPRESENTATIVE): Yeah. 

TIM (CONSUMER): Oh, yeah. 

TIM (REPRESENTATIVE): And what would you 

say that your gross adjusted annual income is, and 

what I mean by (break in telephone call). 

TIM (CONSUMER): Hello? 

TIM (REPRESENTATIVE): Can you hear me? 

TIM (CONSUMER): Yeah, I can hear you now. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 14 of 57 

You went out. 

TIM (REPRESENTATIVE): (Inaudible) I need to 

do something with this wire. Okay. 

Yeah, so, what I -- what I’m going to need 

from you, one of these things, is your annual gross 

adjusted income. 

TIM (CONSUMER): Uh-huh. 

TIM (REPRESENTATIVE): And what I mean by 

that is -- it’s not -- it’s not your net, but it’s 

your -- basically your gross minus any deductions from 

medical, 401(k), any kind of retirement, any kind of 

supplemental insurance like AFLAC or anything like 

that. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Deduct those, and 

just give me kind of a ballpark of what you think your 

annual --

TIM (CONSUMER): Okay. And you said 

adjusted? 

TIM (REPRESENTATIVE): Yeah, adjusted. We 

call it adjusted gross income, and -- and what that 

is, it’s just the -- minus the insurance --

TIM (CONSUMER): Uh-huh. 

TIM (REPRESENTATIVE): -- and medical -- you 

know, medical, dental, retirement, and that stuff. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 15 of 57 

TIM (CONSUMER): Okay. I actually have my 

SF50, basically like my pay stub. So let me see. I 

have -- I have what’s on here as adjusted basic pay.

 Is that the same thing? 

TIM (REPRESENTATIVE): What does it say? 

TIM (CONSUMER): So I’m looking at my SF50, 

that’s my -- my pay stub basically, and under adjusted 

basic pay, it has my salary. Is that what you were 

talking about? 

TIM (REPRESENTATIVE): Yeah. I don’t know 

if it has an itemized breakdown of -- of what is --

what it’s deducting, but if it’s deducting medical, 

dental, or any kind of retirement or insurance, then 

that’s the number we’re looking for. And if it gives 

it to you in a monthly basis, too, we can times that 

by 12. And if it gives it to you in an annual number, 

then we can use that. But it’s -- what we’re looking 

for is pretty close to your gross, but obviously this 

program is income-based, so the -- it would be more 

beneficial to show a financial hardship, if you get 

what I’m saying, you know? 

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): We’re not -- I’m not 

trying to put big numbers up here really. But we do 

need it to be somewhat accurate, you know? 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 16 of 57 

TIM (CONSUMER): Oh, okay. So the number 

that I have, that would be -- that’s my annual salary.

 Is that okay? 

TIM (REPRESENTATIVE): Yeah, that’s what 

we’re looking for, annual minus the insurance and the 

--

TIM (CONSUMER): Okay. So the -- what is 

it? Let me pull this up. 

I’m sorry, just give me one more second, 

please. 

TIM (REPRESENTATIVE): That’s (inaudible) 

Tim. 

TIM (CONSUMER): Okay. 

Okay, here it is. So my adjusted basic pay 

annually is $ -- I’m sorry, $ (inaudible). 

TIM (REPRESENTATIVE): Okay. $ 

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): Okay. Okay. And are 

you married? 

TIM (CONSUMER): No, I’m engaged, actually. 

TIM (REPRESENTATIVE): Okay. The reason I 

ask is because, you know, like I said, it’s an incomebased program, so if you were married, then a lot of 

people file joint income tax returns. So --

TIM (CONSUMER): Mm-hmm. 

? 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 17 of 57 

TIM (REPRESENTATIVE): -- if you were to do 

that this upcoming year for the sake of this program, 

we would have to also use your wife’s income. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): Now, when we see this 

type of situation and we’re trying to qualify people, 

usually we recommend that they file -- you can file 

married, but you file separately. That way --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- we can (inaudible) 

your income alone. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): And that’s going to 

give you a better chance of qualifying. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): So, yeah, you’re not 

married yet, so you can (inaudible) filing, you know, 

single up -- up until this point. So for the sake of 

just, you know, right now, we’re going to go ahead and 

-- and -- single for you. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Or I’m going to

 put -- you know what I’m going to put? I’m going to 

put married, separate. 

TIM (CONSUMER): Married, separate, okay. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 18 of 57 

Now -- now, if I qualify for the program after my 

fiancé and I get married, do I have to call back and 

adjust that with you guys? 

TIM (REPRESENTATIVE): Well, it doesn’t 

matter how you filed, this last time. What matters is 

going to be this upcoming year. And then once you get 

into the program, you do have to recertify on a yearly 

basis because it is --

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): -- it’s income-based, 

so, you know, they want to know on a yearly basis if 

your situation has changed. And that’s part of what 

we do. You know, we certify. We help to keep you in 

this program. You know, like --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- making you aware 

of things like this, you know? And I know this is tax 

benefits, you know, to (inaudible) children or when 

you’re married, but the benefit that you get from this 

program, what I have seen (inaudible) I signed a woman 

up, and she is going to save $160,000 on her loans. 

TIM (CONSUMER): Wow. 

TIM (REPRESENTATIVE): You can’t even -- you 

know? So just keep that in mind, you know? 

TIM (CONSUMER): Okay. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 19 of 57 

TIM (REPRESENTATIVE): Because then

 people -- a lot of people are, you know, look forward 

to their, you know, taxes coming around, making a 

couple thousand, but this is -- this is something 

else. So --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): Okay. Let’s see 

here. So another big factor in this program is family 

size. And I’ll read you the definition per the 

Federal Government here in a minute --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- but as far as 

family size, this is not going to be a number that 

you’re going to file your taxes with as dependents. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): They don’t expect 

that for this. It’s pretty much just an arbitrary 

number that you as a client determine and provide me.

 In regards to the number, whether it’s a high or low, 

it’s pretty much up to you what this number is. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): Like, the client that 

I helped earlier, they had a family size of 12. So 

they had a pretty good income, but supporting 12 

people takes a lot of money. You know? So that would 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 20 of 57 

be --

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): -- hard for almost 

anybody. You know? 

TIM (CONSUMER): Right, right. 

TIM (REPRESENTATIVE): So, pretty much, it’s 

just a number that’s determined by you, just something 

that I got to put to keep the process moving. So --

you know what, okay, yeah, that’s all good. So I know 

you’re married -- you’re going to get married this 

year, yes? 

TIM (CONSUMER): Yeah, I’m getting married 

in July. 

TIM (REPRESENTATIVE): Okay. Yeah, so 

married, separate is what I have. So it will 

automatically add you and your wife. You -- do you 

have any children? 

TIM (CONSUMER): No, I do not have children. 

TIM (REPRESENTATIVE): Okay. So I’ll read 

you the definition here, and it is as follows. Family 

size includes you, your spouse, and your children, 

including unborn children who would be born during the 

year for which you state your family size. If the 

children will receive the majority of their support 

from you -- now, it doesn’t matter whether they live 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 21 of 57 

with you or not if they’re a part of your family. It 

also includes other people that live with you or who 

just receive the majority of their support from you 

and they will continue to receive this support from 

you for the year that you state your family size. 

Now, support includes any kind of money, 

gifts, loans, housing, food, clothing, car, medical or 

dental, payment of college costs. Do you help anybody 

-- if you have somebody on your cell phone plan; if 

you have somebody on your gym membership, they’re 

considered part of your family. And we just had 

Christmas. You know, if you bought presents, clothes, 

watch, earrings, toilet paper, they’re a part of your 

family. Okay? 

So with that being known, not counting your 

wife and yourself because you’ll -- you’ll be added in 

at the end, how many would you state in addition to 

you two for your family size? 

TIM (CONSUMER): So would that -- well, 

basically, I’m still at home, so would my mom, dad, 

and my brother, would they be included in that? 

TIM (REPRESENTATIVE): Absolutely. 

TIM (CONSUMER): Okay. So including myself 

and excluding my future spouse, right? 

TIM (REPRESENTATIVE): Yeah, she’ll be added 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 22 of 57 

in. 

TIM (CONSUMER): Okay, so myself, my dad, my 

mom, and my brother, that’s four. 

TIM (REPRESENTATIVE): Okay. So what are 

the -- I mean, is there any other maybe friends that 

come, you know, stay -- stay with you that you -- you 

know, you feed them, you clothe them, you know, go 

hang out, you know, go to see a movie, you pay for 

them, you know, you drive them around, gas, you know, 

take them to work? Is there, you know, anybody that 

you bought Christmas presents for, maybe a niece, 

nephew, somebody that you would be able to add in, 

somebody in your family? 

TIM (CONSUMER): No, I don’t -- no. 

TIM (REPRESENTATIVE): Okay. So your mom, 

your dad, your brother, so that’s three, right? 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): And then you and your 

wife, so it’s mom, dad, brother, you, wife, so that’s 

five. Okay. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): So family size, okay, 

so three, zero-seven. Okay, that’s right. Yes, you 

qualify for the public service. 

TIM (CONSUMER): You said I qualify for the 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 23 of 57 

loan forgiveness? 

TIM (REPRESENTATIVE): No, I put for the 

public service loan forgiveness plan, so -- because 

I’m even going to either put you in -- in the 25-year 

or I’m going to put you in the ten-year, which is for 

public service people. So you qualify for that just 

because of your employment. And then the loan 

forgiveness, that -- that will come, you know, at the 

end of your ten years, if you continue to make your --

you know, adjusted lower payment for the next ten 

years, the remaining balance will be forgiven, and 

that’s what the loan forgiveness part is. So... 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Okay. So the current 

loan servicer was Fed Loan, and, let’s see, the money 

payment you said was four-something? What did you say 

it was? 

TIM (CONSUMER): Yeah, it was -- I want to 

say 400-and-- $402 monthly. 

TIM (REPRESENTATIVE): 402. And I don’t 

know why I didn’t save this, but we have in here 

, and I think you said you were at -something. 

Okay. And my computer didn’t save it for some reason, 

but --

TIM (CONSUMER): So -- but you have my 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 24 of 57 

federal loan balance as ? 

TIM (REPRESENTATIVE): It’s an estimated 

total federal balance. I’m sure that (inaudible) was 

probably part of (inaudible) records of some sort, you 

know, for the school registration loans or something 

of that nature, you know? 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): And, so, it was just 

an estimated balance, you know, that was all the 

information (inaudible) to that in your name. So, 

yeah, I think it was or something like that. 

TIM (CONSUMER): . 

TIM (REPRESENTATIVE): Oh, 201, okay. 

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): 201. Okay. Let me 

see here. So your loan status is current. Federal 

loans -- and there’s -- there’s multiple of them, 

right, yeah? Multiple loans? 

TIM (CONSUMER): Yeah, they’re multiple. 

TIM (REPRESENTATIVE): Okay. 

TIM (CONSUMER): And what -- what did you 

say before about private loans? 

TIM (REPRESENTATIVE): Private loans, we 

can’t do anything for you on those. This is a federal 

program. The Federal Government is going to be paying 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 25 of 57 

these loans off if, you know, if you get the loan 

forgiveness part. And, so --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- they’re not --

they’re not going to be paying off any of these 

private loans. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): (Inaudible). 

TIM (CONSUMER): So if I was to get a loan 

through (inaudible) or something then they wouldn’t 

pay for that, right? 

TIM (REPRESENTATIVE): Through what? I’m 

sorry. 

TIM (CONSUMER): If I got -- if I got a loan 

through my bank, they wouldn’t pay for that, right? 

TIM (REPRESENTATIVE): Yeah, no. It has to 

be a federal loan through --

TIM (CONSUMER): Okay, okay. 

TIM (REPRESENTATIVE): -- so --

TIM (CONSUMER): Okay, that’s fine. 

TIM (REPRESENTATIVE): Okay. So I think I’m 

close here. This ( ) number, is this a good 

number for you? Is this a cell phone, a landline, 

work? What number is this? 

TIM (CONSUMER): That’s my cell phone 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 26 of 57 

number, and that’s going to be the best phone number 

to contact me. 

TIM (REPRESENTATIVE): Okay. Okay. Are you 

going to have access to your email throughout this 

conversation? 

TIM (CONSUMER): Yes, sir. 

TIM (REPRESENTATIVE): Okay. Can I get your 

email? 

TIM (CONSUMER): Sure. You ready? 

TIM (REPRESENTATIVE): Yeah. 

TIM (CONSUMER): Okay, my email is , , 

as in , , , , @yahoo.com. 

TIM (REPRESENTATIVE): Okay. So I’m going 

to send you a form in your email. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): What this form is is 

basically -- it’s a -- just a consent form allowing me 

to access your federal database on your behalf so that 

we can check the loans. I know you went into Fed 

Loan, but we’re going to go onto the Federal Student 

Aid, you know, main database, and we’re going to just 

confirm that theses loans are federal and make sure 

that there’s not any loans there that you don’t know 

about and that we have the exact right dollar amount.

 We’ll do that in a minute. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 27 of 57 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): First, I’m going to 

put you on hold for a minute here and crunch some 

numbers. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): And we’ll see what we 

can get you qualified for. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): And we can go from 

there. All right, Tim? 

TIM (CONSUMER): All right, awesome. Thank 

you. 

TIM (REPRESENTATIVE): All right. 

TIM (CONSUMER): Okay. 

(Caller placed on hold.) 

TIM (REPRESENTATIVE): So do you go by Tim 

or Timothy? 

TIM (CONSUMER): I go by Tim. 

TIM (REPRESENTATIVE): Tim, right on. All 

right. This is very, very good news. 

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): You do qualify. And 

I’m using -- I’m using just your income and the income 

that you gave me. So what I need to know, the reason 

-- how come you put it into forbearance? Were you 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 28 of 57 

just taking a break, or were you unable to make the 

payments due to some kind of financial hardship? What 

was the reason for that? 

TIM (CONSUMER): I guess I would say it was 

-- it was getting kind of tough to make the payments. 

TIM (REPRESENTATIVE): Okay. Part of this 

program is -- you know, there are some fees involved, 

but part of -- part of it is, you know, obviously 

you’re current. You’re in -- you’re in okay standing, 

but, you know, the loan’s still, you know, creating 

interest still (inaudible) growing because no 

payment’s being made, you know? 

So it’s spitting out a couple of different 

(inaudible) here for you. Now, the good news is that 

all of these programs are going to give you $119 

payment a month. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Now, the difference 

in these programs is how we can get the -- you know, 

get back on track with the loan a little bit by making 

a couple -- a couple months of, you know, little 

bigger payments here. So I’ll just -- I’ll just tell 

you here. So some people like to get it all done --

all done in one month. And what I mean by that is you 

can pay $1,007, okay, month one, and then in month --

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 29 of 57 

starting month two, it would move into $119 payment, 

and you would stay there for the remainder of your 

loan. So you would stay there for the next ten years. 

Now, let me give you some numbers here. Do 

you have something to write this down? 

TIM (CONSUMER): Yeah, I do. I do. 

Hello? 

Hello? 

TIM (REPRESENTATIVE): Tim, can you hear me? 

TIM (CONSUMER): Yeah, I can hear you now. 

TIM (REPRESENTATIVE): Oh, man. What’s 

going on with this thing? Okay. So where did I lose 

you at? 

TIM (CONSUMER): You told me to get 

something to write it down. 

TIM (REPRESENTATIVE): Okay, okay. So I’m 

going to tell you what your current situation is right 

now. So if you have a piece of paper and a pen, just, 

you know, draw a line down the middle and the left 

side write “current;” on the right side, write 

“program.” 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Okay. So we have --

we know we’re at , and we know we’re at about a 

$402 payment. That’s what you should be paying. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 30 of 57 

That’s what your loan -- your loan balance is right 

now. Okay? 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): On an annual basis, 

you would pay $4,824 a year at that rate. Okay? 

TIM (CONSUMER): Say that again? Four 

thousand and what? 

TIM (REPRESENTATIVE): $4,824 would be your 

current annual outflow as it stands right now, Fed 

Loan. 

TIM (CONSUMER): Annual payment -- okay, 

current annual payment for my loan. 

TIM (REPRESENTATIVE): Mm-hmm. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): How much you pay a 

year, staying with Fed Loan. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Making your $402 

payment. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Okay? So if you were 

to get into this program, your payment would go to 

$119 a month. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Your annual outflow 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 31 of 57 

for the year would be $1,428. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): You would be saving 

$3,396 a year. 

TIM (CONSUMER): Okay. So I would be saving 

what now? 

TIM (REPRESENTATIVE): $3,396 --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- a year. And after 

ten years, you would have a total savings of $14,280. 

TIM (CONSUMER): 14,000 after ten years. 

TIM (REPRESENTATIVE): That’s pretty cool, 

right? And then after ten years, they would relieve 

you of the rest of it. So basically -- let’s see 

here. Let me see here. I have a different calculator 

that I use, and maybe as we go through this, I’ll run 

the numbers, but I could tell you what -- you know, 

because (break in telephone connection.) 

TIM (CONSUMER): Hello? 

TIM (REPRESENTATIVE): (Inaudible). Yeah, 

can you hear me? 

TIM (CONSUMER): Hello? 

TIM (REPRESENTATIVE): Can you hear me? 

TIM (CONSUMER): Yeah, I can hear you. 

TIM (REPRESENTATIVE): Okay. Yeah, so I 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 32 of 57 

have a different calculator here. I’ll see if I can 

pull it up. But it -- it will tell me, you know, 

because with compound interest, $ over the life 

of the loan, you know, most likely is going to end up 

being around 60, 65,000. You know? 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): Now, that would be, 

you know, if you’re making, you know, a minimum 

payment on that and, you know, the interest were to 

continue to grow, so I’ll -- I’ll see if I can find 

that calculator and run those numbers for you and, you 

know, just -- just for the fun, you know, just to give 

you an idea of what, you know, what you will be --

because we know -- we know in -- over a ten-year time 

you would be saving 14,280, but even a better number 

to hear sometimes usually is, you know, what -- you 

know, what -- what it would look like, you know, if 

you kept paying that, you know, with the -- with the 

interest. And, so, I’ll see if I can find that. 

But -- so I started to tell you about the 

packages here. Now, there’s five of them, okay? And 

the -- so we’ll say package number one is the $1,000 

one. Okay, we’ll say that. So as they go from one to 

five, the dollar amount goes up a little bit. 

TIM (CONSUMER): Okay. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 33 of 57 

TIM (REPRESENTATIVE): And, so, package five 

is paid over nine months. And in package five, you 

would pay $207 for the first nine months, and then you 

would move into your $119 payment. Okay. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): And by doing that, 

you -- you will pay almost -- almost an extra, say, 

about $8-, $900. And that’s just the way it works 

out, you know? If you do it all at once, if you pay 

$1007 the first month, then you’re done. You know, 

you’re done with the getting back on track, and you 

move, month two, right into the 119. 

So what -- what type of payment do you think 

you could handle in the beginning of this program, and 

--

TIM (CONSUMER): When would the program 

start? 

TIM (REPRESENTATIVE): Well, we like to, you 

know, get a payment usually within 15 days, but I 

would be able to push it out to 30 for you, I believe, 

depending on which program we go with. So, you know, 

I’m kind of just trying to get an idea of kind of 

where you’re at on this thing and how -- you know, how 

much you want to, you know, attack it and get into 

that 119 payment. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 34 of 57 

Now, you know, I mean, if your -- your 

situation is such that you need to stretch the 

payments out, still good. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): You know? You’re 

still --

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): -- you’re --

TIM (CONSUMER): And the $1,007 option, 

that’s to offset the -- offset the interest, right? 

TIM (REPRESENTATIVE): I’m sorry, I lost you 

for a second. What’d you say? 

TIM (CONSUMER): I said the option where I 

pay you 1,007, is that to offset the interest? 

TIM (REPRESENTATIVE): Well, the -- see, 

what happens when we consolidate your loans, and so 

you’re paying a monthly payment, and that takes care 

of everything. That takes of principal, interest, 

fees, you know, everything that’s involved. Because 

like I said, we do -- we do charge some fees. So 

that’s going to -- that’s going to take care of some 

of the fees right there. That’s going to take care 

of, you know, everything -- everything’s consolidated 

into one thing. 

TIM (CONSUMER): Mm-hmm. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 35 of 57 

TIM (REPRESENTATIVE): So, you know, all you 

have to remember about this program, it’s really 

pretty basic. You know, you’re going to pay 119 a 

month, you know --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- depending on how 

much you pay -- you’re going to pay. You know, you’re 

going to pay some fees and some -- and some -- to get 

back on track, money in the beginning --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- and it’s going to 

be either -- it’s going to be either, you know, one 

month, all the way to nine months are you -- is going 

to be your options for payments. And then you’re 

going to move into the 119 and you’re going to stay at 

that. You’re not going to pay any more. There’s not 

going to be any fees after that, you know. We’re not 

going to hit you with -- blindside you with some kind 

of processing fee, you know, six months down the road. 

It just -- it doesn’t work like that. You 

know, everything is disclosed, you know, to you, and, 

you know, if we go through the process here, you know, 

tonight, then, you know, once you get on the phone 

with verification, they will give you an itemized 

breakdown of everything. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 36 of 57 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): But all you have to 

remember is there are two numbers -- the 119 and then 

whatever package you pick in the beginning for the 

fees, you know? 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): And then, you know, 

ultimately, what we’re -- what we’re trying to do 

here, Tim, is we’re trying to pay the least amount of 

money so that --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- we have the most 

amount of forgiveness. So, you know, we want to get 

you to that 119 --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- and, you know, you 

don’t want to -- you know, this is not the type of 

situation where you want to, you know, if you get a 

bonus at work you want to come try to chip away at 

this thing. That’s not what we’re doing here, you 

know? The Federal Government is going to pay off the 

rest of your loan, so you want to give them as little 

amount of money --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- as possible. You 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 37 of 57 

know? 

TIM (CONSUMER): Mm-hmm. Mm-hmm. 

TIM (REPRESENTATIVE): And, so, as long as 

you stay qualified and you make your payments, you 

will get the forgiveness. So, what do you think? 

TIM (CONSUMER): Okay. So, let me see, I 

think right now I --

TIM (REPRESENTATIVE): And I can give you 

these other numbers, too, here. I’ll do that real 

quick if you want to write it down. So the other 

option is going to be $557. 

TIM (CONSUMER): Uh-huh. 

TIM (REPRESENTATIVE): That’s going to be --

TIM (CONSUMER): Is that option -- is 

(inaudible)? 

TIM (REPRESENTATIVE): What’s that? 

TIM (CONSUMER): You said 557, right? 

TIM (REPRESENTATIVE): Yeah, 557 is going to 

be package two. 

TIM (CONSUMER): So 557 is going to be 

package two. So what was the 207? I’m sorry. I’m 

going -- I’m backtracking a little bit. 

TIM (REPRESENTATIVE): That’s okay. 

TIM (CONSUMER): So what was the 207 in the 

first nine months? Was that package five? 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 38 of 57 

TIM (REPRESENTATIVE): That’s package five, 

yeah. 

TIM (CONSUMER): Okay. And then the -- what 

did you say, 557? Or, now, that’s package two? 

TIM (REPRESENTATIVE): Yeah, and you’re 

going to pay that for two months. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Month three, you’re 

going to move into the 119. 

TIM (CONSUMER): Okay, then, two months, 

then 119. Okay. And what are the other options? 

TIM (REPRESENTATIVE): Package three is 

going to be 407. 

TIM (CONSUMER): (Inaudible). 

TIM (REPRESENTATIVE): You’re going to pay 

that for three months. 

TIM (CONSUMER): For three months. 

TIM (REPRESENTATIVE): Month four, you’re 

going to move into the 119. 

TIM (CONSUMER): Okay. Okay, what are the 

other ones? 

TIM (REPRESENTATIVE): And -- and then the 

last one, four, you’re going to pay 257. 

TIM (CONSUMER): Okay, that’s number four? 

TIM (REPRESENTATIVE): Yeah. For six 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 39 of 57 

months. 

TIM (CONSUMER): Okay. Okay. 

TIM (REPRESENTATIVE): And then you’re going 

to move into the 119. So you can -- you can kind of 

do the math there, you know. You see, you know --

TIM (CONSUMER): Right. 

TIM (REPRESENTATIVE): -- right. 

TIM (CONSUMER): Now what was -- what was --

what was option one? I didn’t get that one. 

TIM (REPRESENTATIVE): 1,007. 

TIM (CONSUMER): Oh, okay. So the 1,007 was 

number one, okay. 

TIM (REPRESENTATIVE): Uh-huh. And you just 

do that one time, and in month two, you move into the 

119, and you stay there. So, you know, that’s --

that’s going to save you about $8-, $900 by doing that 

one, and then it kind of -- you know, it goes down 

from there, you know, accordingly, you know. 

TIM (CONSUMER): Hmm. Hmm. 

TIM (REPRESENTATIVE): So -- and the way we 

-- we draft it -- we draft the payment out of your 

bank account every month. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): But there is the 

option of the credit card, which some people do, is 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 40 of 57 

they just -- they take package one, and they just put 

it on a credit card --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- and then you just 

-- and you know? And then they don’t have to worry 

about it; they just, boom, put it on a credit card and 

kind of pay it off on their own time and then move 

into the 119 right away, you know? 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): Not everybody can do 

that, but that’s -- that is an option. 

TIM (CONSUMER): Right. Okay. I had a 

question. So when this program starts, after I’m 

making the payments, and when I get married, will my 

spouse be extended the same plan for her on student 

loans? 

TIM (REPRESENTATIVE): She has student loan 

debt as well? 

TIM (CONSUMER): I -- I think we have -- we 

haven’t really talked about it in detail, but I think 

she does. I don’t know how far along she is 

(inaudible). 

TIM (REPRESENTATIVE): Okay. So there’s --

it won’t be together, like you won’t be like a joint 

thing, you know? Unless you guys have joint loans. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 41 of 57 

Do you guys have joint loans? 

TIM (CONSUMER): No. 

TIM (REPRESENTATIVE): Okay, yeah. So I 

will have the same conversation with her that I’m 

having with you. She will have the same options that 

you have, as long as she qualifies the same way you 

are, you know. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): So, you know, if she 

has federal loans and, you know, you guys -- you, for 

the sake of the program, will be filing married, 

separate, so she will also be filing her own tax 

returns, which means that we will be able to use her 

own income alone, giving her a better chance to 

qualify, and then as long as they’re federal and she 

make the payments, we can put her in the program. 

TIM (CONSUMER): Okay. Okay. Hmm. 

TIM (REPRESENTATIVE): Hmm. So if you want 

to -- if you want to think about it, we can kind of 

just start going through this application as far as 

the programs, and I can at least give -- you know, get 

this going. And then --

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): -- you know, you can 

decide which dollar amount you want to pay, you know 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 42 of 57 

(inaudible). 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): So married. Okay.

 So we got the cell phone number. Do you have a --

like a landline, or should we just keep the cell phone 

number as your only number on here? 

TIM (CONSUMER): Yeah, keep my cell phone 

number as my only number. 

TIM (REPRESENTATIVE): Okay. Okay. Hold 

tight. Package (inaudible) okay we don’t know yet.

 Okay, what is your date of birth, Tim? 

TIM (CONSUMER): My date of birth is 

.

 TIM (REPRESENTATIVE): . Okay. 

And you gave me the name of your employer.

 Actually, give me your occupation, but I’m going to 

need the name of your employer, your employer address, 

city, state (inaudible) and phone number. 

TIM (CONSUMER): Okay, uh-huh. Let me get 

that for you. 

TIM (REPRESENTATIVE): Okay. 

Can you hear me, Tim? 

TIM (CONSUMER): Yeah, I can hear you. 

TIM (REPRESENTATIVE): Okay. Some other 

things that we will need, just in case you’re going to 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 43 of 57 

get papers, we’re going to need two references. They 

cannot live with you, and they cannot live together, 

but it could be, you know, a relative or friend or 

coworker, whatever. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): Addresses, phone 

numbers, and names, first and last. We’ll need credit 

card information of bank information, routing number 

and account number. And we’ll -- we’ll do a budget 

together, just to kind of show where your money’s 

going. 

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): And your spouse’s 

information. I may need your spouse’s information.

 I’m not sure because I put married, but I put 

separate, so I’ll have to find out for sure on that if 

I -- if I have to, I’ll just put single for now, but, 

yeah, so the employer information, Social Security, 

bank information, and I think that’s it for now. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Okay. 

TIM (CONSUMER): Okay, let me get (break in 

phone call). 

(Brief pause.) 

TIM (CONSUMER): Okay. You need my employer 

Stiner Attachment DD - 42 
inf ormati on? 

2 

3 

4 

5 

6 

TI M (REPRESENTATI VE) : Pl ease . 

TIM (CONSUMER) : Okay . So my empl oyer i s 

TI M (REPRESENTATI VE) : Okay . 

TIM (CONSUMER) : And the address i s well, 

7 I ' m locat ed i n the 

8 

9 

10 [s i c] , 

11 

12 got t hat . 

1 3 

TI M (REPRESENTATI VE) : Okay, hold o n. - ? 

TIM (CONSUMER) : Yeah . 

TI M (REPRESENTATI VE) : Okay, - buildi ng, 

TIM (CONSUMER) : Okay, you need the address 

14 for t he i.lbuildi ng? 

1 5 

1 6 

TI M (REPRESENTATI VE) : Pl ease . 

TIM (CONSUMER) : Okay . I t ' s 

17 · Okay, 

1 8 TI M (REPRESENTATI VE) : Okay . _ , okay . 

1 9 I ' m typi ng thi s up into my computer, so kind of bear 

20 wi th me her e . - (inaudibl e) , •· 

21 What was after that ? 

22 TIM (CONSUMER) : Yeah, - - - you got . , 

23 right? 

24 TI M (REPRESENTATI VE) : Yeah, 

25 - · 

Stiner Attachment DD - 43 

43 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 44 of 57 
 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 45 of 57 

TIM (CONSUMER): Uh-huh. 

TIM (REPRESENTATIVE): And what was after 

that? 

TIM (CONSUMER): Oh, .

 TIM (REPRESENTATIVE): Oh, okay. Okay, so 

that’s -- . .

 TIM (CONSUMER): And then the zip code is 

. 

TIM (REPRESENTATIVE): Okay. is the 

state, right, and the city was -- what city is that 

in? 

TIM (CONSUMER): . Oh, the ,

 the .

 TIM (REPRESENTATIVE): Okay. 

In . is the state abbreviation, right? 

TIM (CONSUMER): I’m -- say that again. 

TIM (REPRESENTATIVE): is the state 

abbreviation, right? 

TIM (CONSUMER): Yes. Yes. 

TIM (REPRESENTATIVE): Okay, sorry. I 

should know that. Okay. Oops. 

All right, Tim, you’re going to hate me, 

man. Listen, my computer just did something weird and 

lost this information. 

TIM (CONSUMER): Oh. 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 46 of 57 

TIM (REPRESENTATIVE): I’m freaking sorry, 

man. I can go back until (inaudible) and I still have 

-- see the intimate family size, I have that. Yeah, 

if you want to just tell me -- I’ll write it down real 

quick, and then I can input it here. I can input it, 

you know, in a minute. So it was -- the address for 

the employer was -- or why don’t you just tell me 

and I’ll put it --

TIM (CONSUMER): Oh, yeah. It’s --

TIM (REPRESENTATIVE): Mm-hmm. 

TIM (CONSUMER): -- , . 

TIM (REPRESENTATIVE): Okay. 

TIM (CONSUMER): Let me see (inaudible) 

.

 TIM (REPRESENTATIVE): Okay. Of . 

. Okay. And, let’s see, a phone number 

for you at work? 

TIM (CONSUMER): Oh, work number is 

.

 TIM (REPRESENTATIVE): Okay. I’m putting 

your cell phone back in here. Okay. Okay. And 

what’s your Social, Tim? 

TIM (CONSUMER): Yeah, my Social is XXX-XXXXXX. 

TIM (REPRESENTATIVE): Okay. Driver’s 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 47 of 57 

license number, and I know the state is . 

TIM (CONSUMER): You said driver’s license 

number and what else? 

TIM (REPRESENTATIVE): And it says -- it 

asks for state, but I know you’re in ,

 right? 

TIM (CONSUMER): Well, that’s where I work.

 I actually live in the .

 TIM (REPRESENTATIVE): Oh, okay, okay. So 

, okay. So, yeah, give me the driver’s 

license number, and we’ll be in . 

TIM (CONSUMER): Okay. Let me get that for 

you. 

TIM (REPRESENTATIVE): Okay. 

TIM (CONSUMER): All right. So, driver’s 

license number (inaudible). 

TIM (REPRESENTATIVE): Mm-hmm. 

TIM (CONSUMER): Okay. The number is . 

TIM (REPRESENTATIVE): I’m sorry, ? 

TIM (CONSUMER): , the letter , as in 

. 

TIM (REPRESENTATIVE): Okay, . 

TIM (CONSUMER): Yeah, XXX XX. 

TIM (REPRESENTATIVE): Okay. Okay, and 

that’s ? 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 48 of 57 

TIM (CONSUMER): Yeah, this is a 

driver’s license. 

TIM (REPRESENTATIVE): Okay. Okay. 

Hey, Tim, I’m going to put you on hold for 

just a second. I’m going to ask about the marital 

status and see which -- which route exactly we need to 

go here, okay? 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): Okay. 

(Caller placed on hold.) 

TIM (REPRESENTATIVE): Tim, are you there? 

TIM (CONSUMER): Yeah, I’m here. 

TIM (REPRESENTATIVE): Man, technology is 

something else, isn’t it? All right. 

TIM (CONSUMER): Hmm. 

TIM (REPRESENTATIVE): Okay, so, since 

you’re not married right now --

TIM (CONSUMER): I’m not married right now. 

TIM (REPRESENTATIVE): Yeah, we have to do 

it single. So -- but keep in mind --

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): -- next year, when 

you do file the taxes, and, you know, we’ll be here 

with you throughout this whole process to remind you 

and -- and make sure you qualify and everything, but 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 49 of 57 

you will have to file married, separate, as well as 

your wife, if she wants to do this, too (inaudible) 

when you file. Okay? 

TIM (CONSUMER): Okay. So after -- so after 

we get married, we’ll have to file under married, 

separate. 

TIM (REPRESENTATIVE): Yes. So you --

you’re --

TIM (CONSUMER): Okay, that --

TIM (REPRESENTATIVE): -- filing married, 

but you’re going to be separate instead of joint. 

TIM (CONSUMER): Instead of joint. Okay.

 And is that -- is that for our income taxes? 

TIM (REPRESENTATIVE): Correct. 

TIM (CONSUMER): Okay, okay. Married, 

separate. Let me write that down. Married, separate. 

TIM (REPRESENTATIVE): Okay. 

TIM (CONSUMER): And this is for after we 

get married (inaudible). 

TIM (REPRESENTATIVE): Yes. 

TIM (CONSUMER): Okay. 

TIM (REPRESENTATIVE): So it’s -- like it’s 

tax time right now, you know, so at this time next 

year, when you do your taxes, or whenever you do them 

-- I don’t know how you do them, quarterly or, you 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 50 of 57 

know, whatever -- you’ll just keep that in mind, you 

know. 

TIM (CONSUMER): Mm-hmm. Okay. 

TIM (REPRESENTATIVE): Okay. So I lost the 

birthday. I know it was ? 

TIM (CONSUMER): .

 TIM (REPRESENTATIVE): .

 Nine -- okay, got that. 

Social, employer, family size. I don’t need 

the fiance’s information yet. Okay, I’m going to need 

two references, first name, last name, address, phone 

number and (inaudible). 

TIM (CONSUMER): Okay. And they can’t live 

with me, correct? 

TIM (REPRESENTATIVE): They can’t live with 

you and can’t live together. 

TIM (CONSUMER): Can’t live -- (inaudible) 

together. 

TIM (REPRESENTATIVE): Like if you -- if 

your mom and dad didn’t live with you, then you could 

put your -- either one of them, but you couldn’t put 

both of them because they live together, you know? 

TIM (CONSUMER): Got you. Okay. Okay, two 

references. Let me see. 

TIM (REPRESENTATIVE): And, I mean, it could 

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be friend, ne i ghbor, anybody . You know, we're not 

goi ng to each out to these peopl e . It's j ust for the 

paperwork . 

TI M (CONSUMER) : For the paperwork? Okay . 

I got (inaudi ble) . 

TI M (REPRESENTATI VE) : Okay . 

TI M (CONSUMER) : Let me give it to you . Oh, 

man, where i s it? Okay, here we go, here we go . All 

right, f irst reference i s 

TI M (REPRESENTATI VE) : Okay,-· 

TI M (CONSUMER) : Uh- huh . 

TI M (REPRESENTATI VE) : And l ast name? 

TI M (CONSUMER) : Last name, 

TI M (REPRESENTATI VE) : 

or - -

address? 

TI M (CONSUMER) : 

TI M (REPRESENTATI VE) : _, okay, 

TI M (CONSUMER) : Yes . - · 

TI M (REPRESENTATI VE) : 

TI M (CONSUMER) : Yes . 

TI M (REPRESENTATI VE) : Okay . And her 

TI M (CONSUMER) : Her address i s ~ 

TI M (REPRESENTATI VE) : Okay . 

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10 

15 

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2 

3 

TI M (CONSUMER) : 

TI M (REPRESENTATI VE) : Okay . So I think I 

4 have to - - okay, I can put it a ll in one . Someti mes 

it makes me put, you know, a l ine down, a l ine down, a 

6 l i ne down on the f orm, so 

7 TI M (CONSUMER) : Mm- hmm . 

8 TI M (REPRESENTATI VE) : okay, so, yeah . 

9 So I can put it a l l in one l ine . So I have l.i 

11 

12 

13 

14 

16 

17 - · 

18 

What was the c ity and state? 

TI M (CONSUMER) : 

TI M (REPRESENTATI VE) : ? 

TI M (CONSUMER) : That's correct . 

TI M (REPRESENTATI VE) : And - is  ? 

TI M (CONSUMER) : • that's correct . 

TI M (REPRESENTATI VE) : Okay . And you're at 

TI M (CONSUMER) :  -- yeah, that's the 

19 correct zip code . 

TI M (REPRESENTATI VE) : Okay . And what i s 

21 your rel ationship to -

22 TI M (CONSUMER) : She's my aunt . -

23 TI M (REPRESENTATI VE) : Okay . Sorry, Tim. I 

24 j ust -- I lost it. (I naudible) . Can you g i ve i t to 

me again real qui ck? 

-

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1111 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 53 of 57 

TIM (CONSUMER): Yeah, sure, sure. You 

ready? 

TIM (REPRESENTATIVE): Yeah, I’m sorry. 

TIM (CONSUMER): Okay. The address is . 

TIM (REPRESENTATIVE): . 

TIM (CONSUMER): 

. 

TIM (REPRESENTATIVE): Okay. 

TIM (CONSUMER): , 

.

 TIM (REPRESENTATIVE): Okay, thank you. 

TIM (CONSUMER): Mm-hmm. 

TIM (REPRESENTATIVE): Okay. Okay, and 

what’s the phone number for -- for ? 

TIM (CONSUMER): Oh. Okay, the number is 

( ). 

TIM (REPRESENTATIVE): Mm-hmm. 

TIM (CONSUMER): . 

TIM (REPRESENTATIVE): Okay. And for your 

second reference? 

TIM (CONSUMER): Let’s see, my second 

reference. My second reference is .

 TIM (REPRESENTATIVE): ? 

TIM (CONSUMER): Yes, .

 TIM (REPRESENTATIVE): Okay. 

Stiner Attachment DD - 52 
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10 

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25 

I? 

2 

3 

4 

6 address? 

7 

8 

9 

TIM (CONSUMER) : That's correct . 

TI M (REPRESENTATI VE) : And - ? 

TIM (CONSUMER) : That's correct . 

TI M (REPRESENTATI VE) : Okay . And the 

TIM (CONSUMER) : The address i s ~ ­

TI M (REPRESENTATI VE) : ~. 

TIM (CONSUMER) : Mm- hmm . 

TI M (REPRESENTATI VE) : Okay . 

TI M (CONSUMER) : 

TI M (REPRESENTATI VE) : One word? 

11 

12 

13 TI M (CONSUMER) : Yeah, one word . -

14 is one word . 

16 

17 

TI M (REPRESENTATI VE) : Okay . 

_ , l i ke the word •· 

18 right. 

19 

TIM (CONSUMER) : Yeah (inaudi ble) . , 

TI M (REPRESENTATI VE) : Okay . 

TIM (CONSUMER) : 

21 TI M (REPRESENTATI VE) : Okay . 

22 TIM (CONSUMER) : And their z i p code is 

23 - · 

24 TI M (REPRESENTATI VE) : Okay . Okay, and 

what's your relati onshi p? 

I 

Stiner Attachment DD - 53 

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TI M (CONSUMER) : She's my aunt on my mom's 

s i de . 

TI M (REPRESENTATI VE) : Okay . And her phone 

number . 

TIM (CONSUMER) : And her phone number i s 

let me pull that (i naudi ble) . 

Okay, her phone number i s 

TI M (REPRESENTATI VE) : Sorry, Tim, I'm 

losi ng you here f or a mi nute . Can you hear me? 

- ? 

TIM (CONSUMER) : Oh . Yeah, I can hear. 

TI M (REPRESENTATI VE) : Okay . I have 

TIM (CONSUMER) : Hel lo? 

TI M (REPRESENTATI VE) : Yeah . I can hear you 

now . Okay --

TIM (CONSUMER) : Okay . 

TI M (REPRESENTATI VE) : -- - ? 

TIM (CONSUMER) : -· 

TI M (REPRESENTATI VE) : Okay . All right . So 

from here, we're goi ng to do a budget, and we'll just 

me? 

TIM (CONSUMER) : Hel lo? 

He l l o? 

TI M (REPRESENTATI VE) : Yeah, can you hear 

Stiner Attachment DD - 54 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 56 of 57 

TIM (CONSUMER): Yeah. 

TIM (REPRESENTATIVE): All right, hold on.

 I’m going to unplug my headset, and I’m going to 

straighten out this cord. I think that’s what’s doing 

it. So hold on one second, okay? 

TIM (CONSUMER): Okay. 

(Brief pause.) 

TIM (CONSUMER): Hello? 

(The recording was concluded.) 

Stiner Attachment DD - 55 
 

 

 

 

 

 

 

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Case 4:18-cv-00806-SBA Document 70-30 Filed 03/05/18 Page 57 of 57 

CERTIFICATE OF TRANSCRIPTIONIST 

I, Sara J. Vance, do hereby certify that the 

foregoing proceedings and/or conversations were 

transcribed by me via CD, videotape, audiotape or 

digital recording, and reduced to typewriting under my 

supervision; that I had no role in the recording of 

this material; and that it has been transcribed to the 

best of my ability given the quality and clarity of 

the recording media. 

I further certify that I am neither counsel 

for, related to, nor employed by any of the parties to 

the action in which these proceedings were 

transcribed; and further, that I am not a relative or 

employee of any attorney or counsel employed by the 

parties hereto, nor financially or otherwise 

interested in the outcome of the action. 

DATE: 6/5/2017

 SARA J. VANCE, CERT 

Stiner Attachment DD - 56 
Case 4:18-cv-00806-SBA Document 70-31 Filed 03/05/18 Page 1 of 3 

Stiner Attachment EE 
~ Better .!'. Business ~~§ Bureau 

Ellzabeth Nichols .r;anlchola@necal.bbb.org:.,. 

Re: AmerlTech Financial [IWOV-ACTIVE.FID9610028] 

1 me ·f; ge 

Ell:zabeth Nlchol~ -cerilcholstmsacramento.bbb.org> 

To: Fr nl<llr'J Hornor <Fr nklin.Hom0r@gmlaw.com> 

Good MtG,iiOOri Frtliikli ri1 

Mon, Jul 18, 2016 at :3:29 FiM 

W<!l hl!IVe flnlsMd our revi ew of Am eriTech Financlal's file, The next step Is our Bo~ td of Diioctors 1 

t'r!Vlew. You Will be notified of their decision as soon as we receive It. 

We do have some addltlonal concerns regarding the company's advertisi ng that we would Ilka to 

address with you, In our June?, 2,015 letter we expressed concerns that your company li1i!lller 

appeared to Imply a government afflll;1tlon. You provided a revised mai ler with your JuM 231 2016 

letter. This mailer does not Include reference to the "Hea lth C:are and Ed ucation Affordability 

Reconciliation Act" that was Included In the mailer we wrote to you about. After reviewing this revised 

mailer and also revi ewing the reco1·dings you provided, we are stil l concerned that the c::omp21ny is 

implying a government affiliation by omitting the company name from th!! malf(!r as well as obscuring 

It In sdlles presentations. 

Nowhere on the new mail er I!;! It clear wh;1t comp;1ny Is making the offer, The name "AmeriTech 

Financial" Is not Included, Addltlonelly, according to the recordings you provided, when consumers call 

the number provided on tl1ese mailers, tr1e sales representati ves they contact regularly refe r to the 

offer as "the program;" a phrase whi ch i;1ppe;1rs to obscure the fact thi;it this offer Is being made by a 

for profit company, and rare ly mention the name of the company they work for. 

As was stated In our June 7, 20~6 letter; According to the e.ae. C:ode of Advertising, advertisements that 

are untrue1 misleading, or deceptive sh;i ll not be 1,1sed and misrepresentation may result not only from 

direct statements, but by omitting or obscuring i;/ mi;lter/1;11 fact. 

Pler;1se 1;1ddress these concern by provrdln9 1.1s with i;I plan to ens1.m: Amerliech's sales people openly 

Identify thiJ1t "the program" Is a service offer and by providing 1.1s with a revised meiller which clearl y 

states theit the name of the compi;,ny m'1klng the offer Is Amerliech rlnam;lr;1I. 

We i:lre also concerned tl1et AmerlTech Flnenclel hes not addressed our concerns that It does not appear 

to be abiding by Its 100% Satlsfectlon Guarant e. We have received cornpli;ilnts In which the 

complainants i;illege tl1at AmerlTech Flnencla! refu ed to give them e refund when tl1ey requested It. 

According to the eaa Code of Advertising, "Advert! er should only use 'sietlsfectlon guerentee,' 'money 

back guarentee,' 'free trla l off r,' or lmllar r pre entatlon"' In advertising If the seller or menufi;icturer 

refundC! the full purcf'1a e ~rh:e of the ~dvertl ed ~roduct or erv!ce t tf'1e con umer'i reciuest." 

Please provide 1,1s with c/oc1.1ment:atlon confirming t:hat: you do ls"'ue full refuncis et: all consumer 

requests, !f not, please cease aclvertlslng :LOO% Satlsfillctlon Guari;lntees . 

Fi nally, we !;Ire concerned that the way se le rei:,resentatl ves are traln~d to describe a c1,1stomer's 

family size Is mlslei;icllng, In your June 23 , 20lo letter you e:,.:plalned thi;it Si;iles rep!'esentatlves are 

i;irovlded with the fol lowi ng sc:rll?)t: 

"The !;1st thing we need Is to go over family size. rem!l y size Is typlcally dlffel'ent from what you clalm 

i;IS dependents on your tax return, It Is e figure that you provide for your appllcatlon, determined by 

you, that basically covers the number of r.ieople thet you sur;,port and who live with you . Again, not just 

dependents ... " 

However1 acco1·dlng to the definition you provided to us1 family size Includes your custon1er's spouse 

end people living with your customer who wll l receive the mi;ljorlty of their support from your 

Case 4:18-cv-00806-SBA Document 70-31 Filed 03/05/18 Page 2 of 3 

FTC-BBB-000345

Stiner Attachment EE - 1 
custorn er, On the website, studentloens. gov, the U.S. Departmi:! nt of Education states , "Fa mily size 

always Incl udes you and your children ... 1 if the childre n wi ll receive m ore than half t heir support from 

you," and "For all plans, fa mi ly size i!l lso includ s oth0r p ople only If they live with you now, receive 

more than ha/fthelr support from you now ... '' Any chi ld of your customGr th t Is not r c ivl n9 more 

tha n half of their support from your customer should not b included In their fzi mlly sl:ze. Anyone not 

living with your custom er .ind not reC(l iVlng mor th ii h If of th Ir support from your custom r should 

not be Included In their f~mily size . 

According to t he s~l0s script you provl d d, ., I ., r pr ., n tlVC.; i dlr ct d tor d d flnltlon 

dMlnl h · fl!l ml ly siz s th cu~eomer, eh custcm r'or. pou , chi ldren rec:eivln; the m jorlty of th ir 

support from ehu cu tcm r, end other pecple I vl!'I~ with th cu"tomr::r th t recelv th m jorl~ o th Ir 

support from the cu tcm r. 6y Including his Information only In the d flnltlon I people re directed 

to rc!iid fter d ilcrlblng the cu tom r's feml ly l;?:e ee1 people who the cu0 tom er provide e. rw ui:,port 

to, we believe you m y be obscuring the fact that Indivi duals not receiving more th n h If of their 

.. upport from end, if not chi ldren, no · living wl h your u om r c1rnnot be Included in cu omer'ii 

Fami ly slz , 

Agall"I, Aceorcilng to the BBB C:ode of Adverti sing; adverti sements that are untrue, misleading, or 

deceptive shall not be used and misrepresentation may result not only from direct statements: , but by 

omitti ng or obscuring a materia l fact. 

Please prov/de us with a revised sales script which clearly outlines who can and cannot be considered 

part of your customers' fa milies. 

We are also conce rned that we have rece ived s numbtff of ddltlohoil complaints aga inst Am erlTech 

Financial si nce our June 7, 2016 letter. Th~sc com plll ints ti ppai!lr to conttil n ll pi:ltt rn of slmil.!l r 

al legations. C::omplalM nts have fyplc.!i lly ail <:! cl th t eomp ny sal s repr sentativias lea d t hem to 

believe their monthly pzi ym ahts would be p Id to thulr student lo ii sc rvlc: rs, but find out later tMt 

these payments are aetualiy m de to AmerlTec: l"i Fin ncl i. 

BBB Acc:redl tatlOh Standard 61 s ~etlOn D re~uircs n Ac:credlted 6wsines:s to : ·

1

c:oop~r te with 666 in 

efforts to ~limin~t!::l the unacrlyl ng eijLJG o'r p ttern of cu:.. tom r eompic1lnt h;;it r • id n .1r1 d by 

BBB." 

Standard 3, Section A reciul, s that you: "Make l<nown all ma erl I f cts In bo Ii writ n nci verb I 

reprriscnt tlons, rem mb1a: rln th t ml!lre~re·enta Ion may result not only from dlreet st tements but 

by Drtilttiil[i Ot ObsC/Jtlng t olev nt: f, c:ts." 

PleDS · provide. us wtt:h e wrmen I/st of steps you plan to take to ensure that cons1,1mers are no longer 

mis/ l!id regarding your comm~nv '~ fees rJ na that these types of complaints QO not conttnve. 

PIGKJ.,e respond to these reauests wlt:h/n "I f;/1;J ys of the de, te of this em;;i /1 , ~esponses, or l;;J ck thereof, 

mll y M riJflei::tcd In t:/-1e comtJany ' f)ub/lr:: see Business P.ev /ew !;lr, ,;;J fi.!;lt/ng, 

Thank vou, 

Elizabeth Nlc::hols1 i rc1 de Pr~ct/C(!S Sp~cilllist 

Better Business Bur(!i!lU serv ing Not-th IHi C!!llrornl 

30iS Beacon Blvd 

West Sacramento, C::A 95691 

9·15-231 -8929 

enl chols@sticr mento . bbb .org 

bbb.org St!'lrt With Tli.l t(~ 

Case 4:18-cv-00806-SBA Document 70-31 Filed 03/05/18 Page 3 of 3 

FTC-BBB-000346

Stiner Attachment EE - 2 
Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 1 of 32 

Stiner Attachment FF 
enspoom","i 

888-491 ~1120 

\'V'·,N'W~gmfaw.com 

July 25, 2016 

LAW 

Via Electronic (eniciiols@.q,acrtJ,mento,,hM.org) Ju(fail 

Elizabeth Nichols, Trade Practice Specialist 

BBB Serving Northeast California 

3075 Beacon Blvd. 

West Sacramento, CA 95691 

RE.. · . Our Client; AmeriTech Financial 

Our File No.: 33508.0006 

Dear Ms. Nichols: 

As you are aware, t'iis firm represents AmeriTec.h J?inancial ("A.meriTech"). I am sending this 

1ert~r in response to your July 18 e-mail to Franklin Homer in which you :requested supplemental 

information from .A.meriTech. 

I must impress upon you that my client seeks to cooperate fuily wit1⁄2. your office and ensure that 

all consut11ers are satisfied with its se:rvices. It rakes complaints seriously and wants to remain in 

the industry for a long time. As I noted in my previous letter to you, m.y client would certainly be 

amenable to sitting dow'11 1⁄4ith you in person to discuss any outstanding concerns or questions 

that you may have. 

Below I will SUllli"'narize and. respond to each oft11e matters you address in your e-mai]. 

Omission of Company _,'!\lame in the 1v.tailer and Sales Presentations, and Purported Implication 

that the Company is Affiliated with the Government: ArneriTech in no way intended to imply a 

government affiliation in its mailers by not including its name. Indeed$. it states after the 

''Important Disclosure'~ that ~'[t]here are mai."1y free govemment programs available and you may 

apply on your mw directly with the DOE for its sen.rices without fee. This is not a gover.nment 

program." V·lith that said, as you are still concemed that it is unclear that there is a priv~ite 

company behind the mailer, it will include its name:: AmeriTech Financial, in future mailers. 

AdditionaHy, "vhile the telephone script includes AmeriTech's name throughout~ the company is 

adding it the initial greeting so that there is no confusion. AmeriTech was certainly not 

attempting to withhold the name of the company over the phone. The fact i:s, they sin1ply wish to 

speak with consumers and present their docu.r"Uent preparation program to them for consideration. 

A.ny constL~ers interested in. signing up receive the contract that shows '"AmeriTech Fin2u,da.r' 

'an over it along ,vith the company's contact ir.dbrmation, so it was not attempting to shelter the 

business. 

Boca Raton I Ft Lauderdale f Las Vegas I Miami I 'f1.1Uami Beach! New Yortr<) Orlando I Port St Lucie ! Tallahassee I Tampa r \rVe-st Palm Beach 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 2 of 32 

FTC-BBB-000347

Stiner Attachment FF - 11 
Elizabeth Nicholsi, Trade Practice Specialist 

July 25, 2016 

Page No. 2 

ldentt-fication of the ,·,Program,,: In your July 18 e-mail, you expressed concern that the 

telephone agents refer to the ''program'' and do not make it clear that what the sales 

representatives are offering over the phone is a service offer. Those calls were from a while ago, 

and the subject representatives are no longer ·with the company. Moreover, AmeriTech' s script 

distinguishes between .Ai . .meriTech' s document preparation services and the federal student loan 

progr~~s that AmeriTech assists in applying for. Our client has revised them a bit more, and per 

below, they have begun implementing strategies to ensure that there is no confusion when they 

make their sales pitc:l1. 

Purported Failure to Abide by 100% Satisfaction Guarantee: Your e-mail noted that you have 

received complaints that allege AmeriTech refused to provide a refund when a consumer 

requested it notwithstanding their furmer statement,. "'100% Client Satisfaction - 100% of the 

time". The company ceased referencing that "guarantee" several months ago. AU they currently 

state is '~Our Goa! is 100% Client Satisfaction''. And that is precisely what they seek as they do 

not want consumers feeling that they have received anything less than what those consumers 

vvere promised. Generally speaking, consumers are accommodated to ensure that they are 

satisfied. AmeriTech does not collect funds for the document preparation until it has completed 

its job. However, if the work is complete and a consumer is not satisfied, the company tries to 

make things right, either by refunding the consumer or performing additional services, if 

appropriate. AmeriTech would never want anything escalating to where consumers would 

complain to the BBB, The company takes great pride in cooperating with the BBB and -ensuring 

that it stands out as a highly ethical company for those consumers who employ its services. 

Description of '·Family Size '

3

: In your e-mail, you advised that the introduction to the definition 

of ••fa..rnily sizen that the sales representative reads may obscure material facts about what is 

inclluded in the definition. I can certainly say that there was no intention to obscure any material 

fact behind the faJniiy size which is why the complete definition was included. Indeed, I assisted 

in preparing that portion oft.lie script. 'I'hose initial rtvo introductory sentences vl/ere intended to 

simply guide the consumer to the actual definition instead of abruptly reading the definition. My 

client is revising the script to the follo-wing: 

The last thing we need is to go over family size. Family size is not 

necessarily the same thing as what you claim as dependents on your tax 

return. It is a figure that basically covers the number of people who you 

provide the majority of their support. If they are not your spouse or 

children, they must live -with you. Again, family size is not limited oruy to 

just dependents. I am. required to read you the family size definition: 

"Family siz,e includes you, your spous-e, and your children 

(b1tduding unborn children who will be born during the year 

for which you state your famUy size), if the child:ren will 

receive the majority of tbci.r support from you now. It includes 

other people that live with you that :receive the majority of 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 3 of 32 

FTC-BBB-000348

Stiner Attachment FF - 22 
Elizabeth Nichols,, Trade Practice Specialist 

July 25, 2016 

Page No. 3 

the:k smJpport .f~om you, and they wm: c(n:afrm1e to r-eceive this 

support from you for the year that you state you:r fam.ily size .. 

Support includes money, , loans, housing, food, clothes, 

c~U'\ medical and dental care, and payment of college cost§~ '

1 

Based on. that, do you have any children that ·you pro-vide the majority of 

support to? 

Aside from children ( and spouse, if married), do you have any other 

people who should be included in yow- family size who live with you and 

receive t.1-ie majority of their support from you? 

Ok, so the total we have is ____ (make sure this matcht:s in SF). 

Written List of Steps to .Take To Ensure Consumers Are Not Afislead Regarding Company Fe.es 

and To Ensure lVo Further Complaints: Below are a list of steps that A...-rneriTech has begun 

im:plementing once it learned of t.h.e BBB concerns. If you feel that more are necessary~ they 

would be happy to discuss those Vlith you. 

1. The compaI1y now provides a handout containi~g specific Do's and Don'ts. It reminds 

telephone representatives of what t.hey can and cai.1not state over the telephone so that 

there is no confusion conc-eming who is offering the program and how the fees are 

allocated. Enclosed is a copv of Lhat handout. 

2. The company has added a full tiine quality assura..T1ce agent vlho listens to calls and \Vin 

be directly meeting ,'vith representatives who may vvaiver from t.heir script and/or the 

Do' s ai,d Don'ts ha.nd.out. 

3. The COIT!lpany will include its foll nzi..me on the bottom of its mailers, A __ copv of the 

pronosed chfu.1Qes is enclosed. 

4. The script refers to AmeriTech Financial so that there is no confusion over whethet the 

company is representing itself as t.he governm.ent. A copyofthe script is enclosed. 

5. The Script distinguishes benveen the programs and contains the revised section 

pertaining to the definition of ''Far.a.Hy Size .. '' 

I trnst that this letter satisfies the matters that you had wanted addressed through ym.ir July 18 email and that m:u- client \Vill remain accredited with a.'11 A+ BBB rating. Should you have 

additiona1 questions or concerns, kindly !et me know. 

Very Truly Yours!' 

GREENSPOON MARDER!' P.A. 

:J-1--t,4---

Robby H. Birnbaum, Esq. 

For the Finn 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 4 of 32 

FTC-BBB-000349

Stiner Attachment FF - 33 
Elizabeth Nichols, Trade Practice Specialist 

Page No. 4 

Enclosures 

cc: Client 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 5 of 32 

FTC-BBB-000350

Stiner Attachment FF - 44 
Do's: 

1. Follow your scripts. While you can veer of them to be more conversational at times, their 

substance is required and you cannot make up facts or selling points that are not true. 

2. Advise the consumer that the call is being recorded for quality assurance. 

3. Advise the consumer that you all assist in the document preparation and application process 

for federal student loans. (it should be clear that you do not assist with private loans and that 

you are not associated with the government) 

4. Make it dear that you all do not collect any fees unless you get the consumer enrolled in the 

new program and under new payment t~rrns ... {you can.note .thatfunds are set.aside .in .their 

Global Client Solutions account, but that is simply so that you all assured of collecting after 

performing the work and it is otherwise their account and money). 

5. Fully disclose fees and limitations of services. 

6. Obtain permission to place the consumer into forbearance and explain why you do that. (i.e. it 

allows time to apply for the federal programs). But also note that interest continues to accrue 

while in forbearance if they are not making payments. 

7. Advise the consumer that if they are accepted into one of the federal programs, that they wm 

have to recertify various personal matters each year such as income and fam[iy size. Those 

items are taken into account for the Income-Based Repayment program and changes in 

circumstances may increase or lower monthly payment amounts. 

8. When going over "family size" with the consumer, read the definition that is in the script and 

focus on whether they provide more than half of the financial support for each person and it 

will continue for the year that you are providing the family size. For those individuals who are 

not spouses or children, but who receive more than half of their support, they must also live 

with the consumer. (it is not as simple as whether someone gives a gift or allows a friend to live 

with the family for a week. This has to be the majority of the support for an individual) 

9. Advise the consumers that they can complete these applications on their own for free. (this is 

where the agent can note that while the consumers are free to do it on their own without 

paying for your services, that you tend to think of your services as those of tax prep companies 

who assist consumers in gathering documents for tax purposes. While the IRS is there to assist 

everyone with their tax questions, the vast majority of people work with tax prep companies, 

CPAs or use special software that they must purchase) 

10. Advise that the fees being quoted are for the document preparation and are separate from 

what the consumer must pay to their servicer. (i.e. if you quote $1,000 payable over 4 

payments of $250, then let the consumer know that none of the $250 is paid towards their loan 

payments} 

11. If a consumer asks why they should work with your company as opposed to another company, 

you can reference the amount of times that the company has assisted consumers and for how 

long its owner and managers have worked in the industry assisting consumers. 

12. If you are ever quoting what payment terms appear to be possible based on a review of the 

DOE website, be sure to note that such terms are only as good as the accuracy of the 

information that the consumer is providing. (i.e. it could be different if they are excluding 

income or over-inflating their "family size".) 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 6 of 32 

FTC-BBB-000351

Stiner Attachment FF - 55 
13. If you explain the government forgiveness programs, be sure to explain that the time frame of 

the program or the estimated monthly payments only apply if they remain in the government 

loan program and continue recertifying their personal items each year and they don't change. 

(Also, if they change jobs, it could have an effect on whether they meet the requirements for 

the particular forgiveness timeframe such as the public assistance loan forgiveness program). 

14. After selling the document prep service, the agent should separately sell the membership 

services. (the membership program is a separate fee that will ultimately be paid to a separate 

company out of their GCS account.) 

15. Fully explain the membership program and the benefits of signing up for it. 

16. Make it clear that the membership program and document preparation program are not the 

same and that they can sign up for one or both. 

17. Disdose what the fees for the programs are separately. Do not dance around the fact that fees 

are involved. You are providing a service that has value. Many consumers are hesitant to try 

appiying on their own because they have never done it and may not feel they can get through 

the application quickly and efficiently. Similarly, the membership program provides value to the 

consumer if they don't already have the services therein. 

18. Before a consumer consents to pay for either or both offers you must disclose truthfully, in a 

Don'ts: 

clear and conspicuous manner, the following material information: 

a. Total cost to purchase; 

b. All material restrictions, limitations or conditions to purchase or use the services; 

c. If there is a policy of not providing refunds or cancellation, a statement informing the 

consumer that is the company's policy; 

d. The amount of time necessary to achieve the represented results and when the 

company will be expected to submit the application; 

e. That a forbearance will result in continued interest accruing; and 

f. That the consumer owns the funds in their special purpose account that is being set up 

to set aside funds to pay for the services after they have been provided {that only 

applies to the document prep. monies. If the consumer is signing up for the separate 

membership through FEBC, then those funds are paid monthly for the membership.}, 

and that the consumer may withdraw from the services at any time without penalty, 

and, if the customer withdraws, the customer must receive all funds in the account, 

other than funds earned by the company. 

1. Do not refer to mailers as "Notices". They are mailers or advertising pieces. 

2. Do not improperly claim government affiliation. Don't pretend like you are with an official 

agency or the government. Be sure to tell the consumer up front that you are calling to assist 

the consumer apply for government programs intended to save consumers on their monthly 

payments and possibly save them money after they have been in the program for an extended 

period of time, where the government waives any outstanding sums owed at the expiration of 

the program. 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 7 of 32 

FTC-BBB-000352

Stiner Attachment FF - 66 
3. Do not discourage consumers from consolidating on their own (i.e. do not reference 

"government incompetence11

) 

4. Do not advise the consumer that you are consolidating or changing their monthly payments 

(you are assisting in applying to do so) 

5. Do not refer to the company's program as if it is the government's program. AmeriTech's 

program is a document/application preparation program with flat fees that do not take into 

account how much the consumer makes. 

6. Do not tell the consumer how much they are saving over 10 or 25 years or how much they will 

pay each month for 10 or 25 years if they are accepted into the Federal program unless you 

qualify the statement that their circumstances could change. (you can advise them that if the 

information they provided is accurate, it appears, at least until the next recertification of their 

finances, that they can be expected to pay$ __ but that it is up to the DOE. Also, let them 

know that if they are currently in a program that could allow for forgiveness after 10 years, that 

assumes that they stay in public service or whatever other occupation that meets the 10 year 

timeframe. But, for example, if they became a doctor and opened a private practice where they 

made $400,000, the calculations would be expected to change quite drastically.) 

7. Do not refer to any payments that AmeriTech is charging as loan payments or that they 

replace loan payments. You are providing a document preparation service and if the 

preparation and submission is ultimately successful, the terms of their loan payments may 

change, in which case, the consumer will be responsible for making his or her own separate 

payments to the servicer. 

8. Do not speak in terms of your "qualifying' a consumer for your program or the government 

program. They are not getting qualified for new payments by AmeriTech, and the government is 

not qualifying until the application is submitted and approved. 

9. Do not simply reference that the consumer will pay a specific amount for the remainder of 

their loan. (first, you all are not making the decision on what they qualify for. Second, their 

financial/occupational position may change which could affect which program they may be in 

down the road and how much they will be required to pay). 

10. When filling out an application and doing intake of the consumer's information, do not make 

up any details. That includes making up addresses for references. 

11. Do not guarantee that the consumer's loans will be forgiven after they are enrolled in the 

program. They have to remain in the government-sponsored program and continue to recertify 

their information each year. 

12. When selling the membership program, do not simply describe it as being additional benefits 

to the document preparation program (as if they are not paying separately for it). It needs to 

be clear that the consumer is signing up for something different with a different company. 

13. If you are explaining how to sign up for the referral benefits, it is important to note that if the 

consumer is referring friends into the program, they must disclose that they are being 

compensated for referrals. 

14. Do not make any misrepresentations directly or by implication of the following: 

a. Total cost to purchase either or both programs; 

b. Any material restrictions, limitations or conditions on purchasing the services; 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 8 of 32 

FTC-BBB-000353

Stiner Attachment FF - 77 
c. Any material aspects of the services/membership being offered; 

d. Any material aspect of the refund or cancellation policies; 

e. That the company is endorsed or affiliated with the government; 

f. The amount of time it takes to obtain the represented results; 

g. Whether the company is a non-profit (AmeriTech and FEBC are private companies} 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 9 of 32 

FTC-BBB-000354

Stiner Attachment FF - 88 
Student loan Ot1:f>artment .Actount #: r~ference 

m11 R~ 

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frrt last 

addre:;s 

city, :.t z:11 

NTN01'1CE 

Payment 

P~ESC~TED 

f.'IR8T·CLASS MA!t 

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Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 10 of 32 

FTC-BBB-000355

Stiner Attachment FF - 99 
ATTENTION: first last 

You have been invited to participate in a Student loan Document Preparation and Processing 

Sernir.e.s Progrnrn. This program will assist you in applyjng for gowemmMt relief options that 

can pottmtiaHy isave you thousands on your situdenl loans. 

Spedal. U .s. Oep.artmen,,t o,f l:dttt':atlon e,mgmms avaUabie may include~ 

./ $OJ month Monthly Student Loan Payment 

,/ No Minimum Income Requirement or Credit Check 

Total Loan Forgiven<3ss Prngram5 

Ni:, Program Payment for up to 90 d~ys 

Spe·dal Programs for Public Servfce Employees 

To c.onfinn your eUgibHity, pf ease contact our Studtmt Loan Departm{;)nt with your Atoount ff: re~rente 

time_l ti1ne_2mne, 

Call Toll Free toUfree 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 11 of 32 

FTC-BBB-000356

Stiner Attachment FF - 1010 
Enrollment Specialist Script 

20160429 

SECTION 1: Qualification Questions 

This is ____ at AmeriTech Financial, how may I help you? 

("'I got this post card in the mail, and I need help with my loans.") 

Ok. There should be an account or reference number on there, starting with STLN. What is that 

number? 

Find Client on Sales Force, change ownership, save phone number from Five9 

I show your address as _____ _ 

And to confam, your phone number is coming up as ___ . Is that the best contact number for 

you? Is that a cell or home phone? 

The reason you received the letter is because you may be eligible for federal student loan 

repayment programs that may reduce your payments. 

These repayment plans are designed to make your student loan debt more manageable by 

reducing your monthly payment. After making a series of "Qualified Payments" (for either 10 or 

25 years, depending on the program) any remaining balance may be eligible for forgiveness by 

the Department of Education. My company, AmeriTech Financial assists consumers who are 

overwhelmed with reviewing or do not have time to review certain government programs that 

may lower your monthly student loan payments depending on your income, occupation and 

people that you support. While consumers can certainly try navigating the application process on 

their own, with our experience having assisted thousands of consumers, we have systems in 

place that make the process fast and efficient. We work with you and prepare the application 

package that we submit to the Department of Education on yom behalf 

In a few moments, I will be able to log into the Federal Database to confirm the types of loans 

you have and the loan amounts, but for the sake of time, let me ask you a few questions to 

detennine if you might qualify. 

Do you know how much you have in outstanding balances on your student loans? 

(If Yes) What is your total loan balance? 

(If No) That is okay, we will be able to look it up. 

Are they Federal or Private Loans? 

(If Don't Know) Generally speaking, if you went through the school system to obtain 

your loans they are more likely Federal. Most people know when they have private loans 

because they had to go out of their way to obtain them. 

Page 1 of 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 12 of 32 

FTC-BBB-000357

Stiner Attachment FF - 1111 
Enrollment Specialist Script 20160408 

Are you cmTent on the payments? 

(If NO) When was your last payment made? 

If the client states they are behind by more than two months. Skip straight to 

FSA to check loans. 

Are they set up on automatic draft? 

What is your cun-ent monthly payment? 

Are you working 1ight now? 

What do you do for a living? 

Who do you work for? 

What is the name of the company you work for? (Is it a private company, or non-profit?) 

Are you working full time? 

What is your annual income? 

Are you man-ied or s1ngle? 

The last thing we need is to go over family size. Family size is not necessarily the same thing as 

what you claim as dependents on your tax return. It is a figure that basically covers the number 

of people who you provide the majority of their support. If they are not your spouse or children, 

they must live with you. Again, family size is not limited only to just dependents. I am required 

to read you the family size definition: 

"Family size includes you, your spouse, and your children (including unborn 

children who will be born during the year for which you state your family size), if 

the children will receive the majority of their support from you now. It includes 

other people that live with you that receive the majority of their support from you, 

and they will continue to receive this support from you for the year that you state 

your family size. Support includes money, gifts, loans, housing, food, clothes, car, 

medical and dental care, and payment of college costs." 

Based on that, do you have any children that you provide the majority of support to? 

Aside from children ( and spouse, if matTied), do you have any other people who should be 

included in your family size who live with you and receive the maj01ity of their support from 

you? 

Ok, so the total we have is ____ (make sure this matches in SF). 

Okay, that's everything I need to be able to put your quote together. I am going to put you on 

hold for a few minutes. While you are on hold, please grab something to write on and something 

to write with. When I come back I will hopefully have some figures for you to write down. 

Page 2 of 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 13 of 32 

FTC-BBB-000358

Stiner Attachment FF - 1212 
Enrollment Specialist Script 20160408 

PLACE ON HOLD 

Complete an Figures 

SECTION 2: Proposed Program 

Thank you for holding. l was able to get the numbers back from the Department of Education's 

website. Were you able to get something to write on? 

Based on the infonnation you provided regarding your stated income and family size, the system 

came back with the following programs you may qualify for. What I want to do is to have you 

write down some numbers and then go over them with you. And then I will explain about how 

the programs work and what is involved. 

First thing, on your piece of paper, I want you to write down my direct phone number, __ _ 

Now, draw a line down the middle. On the left side, at the top, write 'CWTent'. 

Under that go ahead and write down$ ____ (Current Payment). 

Lastly, write down $ ____ (Total Current Program Payments, lifetime). 

Now on the right side, at the top, write down 'Proposed' 

Under that, write $ ____ (DocPrep payment), and next to that write ___ _ 

(#DocPrepPackageMonths) 

Next, under that, write$ ____ (#New Proposed Payment, based on what consumer 

provided). 

Next, write down$ ____ (Proposed Program Total Payments) 

Lastly, on the right side write down$ ____ (Total Proposed Savings) 

Alright, now that we have all that written down, let me go through and explain what these 

numbers mean. 

On the left side is your current situation. Based on the loan amount of$ ____ that you gave 

to me, your current payment is$ ____ (Current Payment). Using the remaining term you 

have left on your loan(s), you be required to pay a total of$ ____ (Cunent 

Lifetime) over the next ___ years (Current Remaining Years). 

Now on the right side is the proposed program that the system came back with based on the 

information you gave me. (if your income, expenses or family size are different from what you 

stated, that will affect the numbers). We would still need to complete the application for 

Page 3 of 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 14 of 32 

FTC-BBB-000359

Stiner Attachment FF - 1313 
Enrollment Specialist Script 20160408 

submission, however, based on the estimated calculations you MAY qualify for what you see on 

the right side. You will be paying $ ___ (PackagePayment) for __ _ 

(#Monthso:fPackagePayment), which covers our doc prep service for the application to enroll 

into the federal loan program. The funds we receive will be kept in your dedicated account while 

we work on your application to get your programs set up through the DOE. Our system shows 

that, if approved, the total monthly estimate for your loan repayment that you would pay directly 

to ___ would be$ ____ (Proposed Program Monthly Payment). If you multiply that 

monthly amount by 12, you will be paying approximately ____ this year. (Again, I say 

estimated or approximated because it is based on the numbers that you have provided over the 

phone concerning your income and family size. Sometimes a customer realizes later that they 

have less family members or more income and that affects what their monthly loan payments 

ultimately are.). Now, ifwe multiply that total annual sum and multiply it by ___ years that 

would be required to be in the program, your total estimated lifetime payments on the loan would 

be ----

Lastly, ifI add AmeriTech Financial's fee of$ ____ to the estimated proposed new program 

payments, and we subtract that total Proposed amount from your Current total loan payment 

amount, it gives us $ _____ _ 

($Tota1Program - $TotalCurrent). Write that down 

You can circle that, write SA VE next to that. That is the best estimate right now of what you 

could be saving. As noted previously, if you are in an IBR program, you must recertify your 

income and family s1ze each year which can change your monthly payments. So there is no way 

of actually knowing what you will be required to pay in, say, 5 years since you could receive a 

substantial raise or take a job that pays much less. 

Please note that while you will be paying AmeriTech Financial the document preparation fee, 

once your are in a new loan program, you are responsible for paying the servicer directly. 

(PAUSE, and/or ask 'Looks like you would benefit by being in the program.') 

SECTION 3: Budget 

Alright, the next part of the application is the Budget. For this budget, everything is stated and 

you must show at least a partial financial hardship caused by your student loan debt in order to 

qualify. 

Fill in all Budget Items in Sales Force. 

What is your rent/mortgage payment? 

(If Mortgage) How much do you think you cmTently owe on your mortgage? 

How much is the electric bill? 

Do you have natural gas or propane? 

Page 4 of12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 15 of 32 

FTC-BBB-000360

Stiner Attachment FF - 1414 
Enrollment Specialist Script 

How much is your cell phone bill? 

For food, how much do you pay for groceries each month? 

What about car payment - do you have a car payment? 

(If Car Payment) How much do you still owe on the car? 

What do you spend for gas and maintenance each month? 

What about car insurance? 

(Enter Cunent Student Loan Payment) 

Do you have any credit cards you pay monthly on? How much do you pay per month? 

What is your approximate balance you owe on the card( s )? 

What about personal care - haircuts, nails, gym membership? 

20160408 

Next is entertainment, which can also include your cable and internet bill, as well as going out to 

dinner or to movies. How much would you say that you spend? 

Anything else you pay for that you want included in the expenses, like medical costs, daycare, or 

any other loans you are paying on? 

That completes the Budget portion. 

SECTION 4: FSA & Loan Servicer Portals 

The next step is to verify that your loans are eligible. We do this by verifying your loans through 

the Federal Student Aid database. 

For this part I will need you to have access to your email and the internet. I will be sending you 

two e-mails, that you just need to pull up on your phone, tablet, or on a computer. First is my 

company and contact infonnation, please take a moment to review this information. The second 

email is an electronic fom1 that provides permission for us to review your information online. 

We use a third-party secure document signing service, called DocuSign. They will email you a 

copy of the fonns when we are done. 

What is the best email address to use, that you have access to right now? 

Okay, I am sending you the first one now. Go ahead and pull up your email and confirm that you 

have received it. You should see a link for our company information in it, so you can check that 

out later. 

Good. Now I am sending you the second one. This one is titled "Documents for your Docusign 

Signature", and it will be from me via Docusign. Open it up and in the middle you win see a 

yellow box that says 'Review Documents'. Click on that link and a webpage should open up. 

Page 5 ofl2 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 16 of 32 

FTC-BBB-000361

Stiner Attachment FF - 1515 
Enrollment Specialist Script 20160408 

Check the box that says 'I agree to electronic records and signatures' and then click on 

'Continue'. The first page will then appear, and you can scroll through and review that document 

and when you are ready, click on 'Start' or 'Next' at the top, then click 'Sign' with the red arrow, 

at the bottom. [ describe that they are signing and what the agreement means] It will show you a 

digital signature, which you can change the font, draw a new one, or leave it like that. Once done 

and you agree, click on 'Adopt and Sign' at the bottom of that window. When ready, click 

'Finish' at the bottom of the page. Then you will see a pop-up, where DocuSign is asking if you 

want to create an account. You can just close that window or hit 'No Thanks'. DocuSign will 

email you the completed forms anyway. 

(Check your inbox for confumation email) 

Okay, looks like that part is complete. What is your date of birth? 

And your social security number? 

Do you know if you set up an account on the FSA site already? 

(If Yes) What is your user name and password? 

(Log in, then pull up the security questions from their profile) 

I see here that you created the following security questions .... 

For the first one (read off question), what is the answer, so I can document it in 

the system? 

(Repeat for all three) 

(If No) Okay, I will get that set up for you. 

Navigate to StudentLoans.gov 

Click "Create FSA ID" towards top right of screen. 

Enter clients e-mail 

Usemame should be clients e-mail without@xxxxx.com 

Password should be the Clients STLN Number. Replace the S with a$, and keep 

the T capitalized. make the Ll and N lowercase. EX: 

$Tln123456 

This is to ensure the password you create for FSA meets the password criteria 

requirements and is unique. Do this EVERY TIME. 

DO NOT USE "'Loans2015" eve1y time (for example). 

Enter Clients SSN, DOB, and Full name. 

Next we need to answer the security question you chose to recover your old 

F AFSA pin number. This will allow us to verify who you are and update your 

FSA login credentials. 

There are three security questions that we must also set up, just in case you need 

to access it and forgot your password. 

What is your mother's maiden name? (Must enter this one) 

(These are optional, must pick two others from the drop down list) 

Page 6 of12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 17 of 32 

FTC-BBB-000362

Stiner Attachment FF - 1616 
Enrollment Specialist Script 

What was the name of your elementary school? 

What was the name of your first pet? 

(If client's has no answer for those, use the following frorn the 

What was your high school's mascot? 

What is the nickname of your youngest sibling? 

What city were you born in? 

Who was your first boss? 

What is the name of the hospital you were born in? 

What color was your first car? 

(Once FSA account completed) 

Click "F argot Pin" link and ask client security question to recover Pin 

Select Security Questions, and type in answers 

SAVE YOUR ENTRIES 

Use today's date for "significant date in life" question. 

Copy and paste the data into FSA website to proceed. 

Confirm client's information and add phone number at bottom 

OK, you should have two e-mails from studentloans.gov 

The second e-mail will contain a security code. Can you read that back for me? 

Enter security code to verify clients e-mail 

20160408 

Ok, bear with me while I double check your loan amounts and details on the federal database. 

Navigate back to studentloans.gov and Login 

Click on the bottom left "repayment estimator" 

Verify clients total loan amount 

Click "view or add loans" 

Verify the loan servicers 

Navigate to nslds.ed.gov. 

Log in and confirm no loans are in default. 

[OPTIONAL - Web Portals] 

Next we need to cross reference your loan servicer to make sure the amounts match up. Have 

you ever set up an online account with loan servicer? If so, do you remember your user name and 

password? 

(If Yes - Complete section in SF) 

(If No) No problem, let's set this up now. 

Set it up with them for each servicer. (You need to find out ho-'vV rnany servicers 

they have and confirm their loan infonnation) 

Refer to Web Portal Sheet to create Web Portal Info for each Servicer 

Page 7 of 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 18 of 32 

FTC-BBB-000363

Stiner Attachment FF - 1717 
Enrollment Specialist Script 

SECTION 5: Application Info 

Vlhat is the name of the employer that issues your paycheck? 

And what is the full address and phone number of the location where you work? 

(If they do not know, search online for the business name/address) 

What State was your Driver's License issued? 

What is your Driver's License Number? 

(ff MARRIED) 

What is your Spouse's name? 

The name of your spouse's employer and their work number. 

Spouse's DOB. 

And your spouse's SSN. 

20160408 

Next, we need 2 references for your file. Your references can be anyone who does not live with 

you or with each other, and it cannot be co-workers or general acquaintances. We will need a 

Full Name, Address, Phone Number, and your Relationship. (Enter Both References into SF) 

(Mother's maiden name: This should be one of the security questions in FSA. If not, ask for it 

now) 

Next is setting up the payment for our services. We charge __ , but we don't actually collect 

our fees until we have completed our services for you and you make your first payment in the 

program. We do require that you set up a bank account in your own name in which you regularly 

deposit funds to be used to pay AmeriTech Financial's fees. You'll have complete control over 

these funds until Ame1iTech Financial completes its services for you upon which time such fees 

will be paid to AmeriTech Financial. We recommend using Global Client Solutions, but you can 

work with a similar third party. On that piece of paper you wrote down those numbers on, write 

down your payment date as ____ , so you don't forget. 

Global Client Solutions uses electronic payments that are auto drafted from an active checking 

/savings account. Do you want that coming out of your checking or savings account? 

SECTION 6: Contract 

Ok, give me just a minute while I double check the documents before I e-mail them. This will be 

the same process as I went through before when you got the email from DocuSign. 

Open the email from me, and click the link at the bottom that says 'Review Documents'. Let me 

know when you see the webpage with the documents. 

Just like before you will have to check the box that says ''I consent to electronic records and 

signatures". Then click 'continue' and the first page should load on the screen. 

Page 8 of 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 19 of 32 

FTC-BBB-000364

Stiner Attachment FF - 1818 
Enrollment Specialist Script 20160408 

I would like to go through and explain the different sections that most people have questions 

about, and also have you review them for accuracy. Then once we are done going through it, I 

will have you apply an electronic signature to the fonns. 

Required Documents and Instructions 

Pages one and two are the "Required Documents and Instructions," which lists the 

documents you will be required to print, sign and return to us. 

In addition to the Federal fonns that you will need to print, sign, and return to us, \vhich I 

will . go over in a moment, we also need paystubs covering your most recent 3 0 days and 

your most recently filed tax return. 

After the signing process you will receive multiple PDF's in your email. To make things 

easy, all of the forms that need your attention are contained in one PDF labeled 

"Required Documents." 

PSLF Forms (If PSLF) 

These are the first two pages of Federal F om1s that you will need to print out. You will 

sign the first page and your HR department fills out page 2. These are the only forms that 

are not time sensitive. All other documents need to be sent back to Ameritech ASAP, 

these can be sent in as late as 6 months from now. 

These first two pages are Federal Forms that are used if you are working in the public 

services sector. [if the fonns do not apply to the situation, state the following] You can 

ignore these forms for now as they do not apply to your situation. 

IBR/ICR/P A YEE Forms 

Next are the Federal Forms used by the Department of Education. All you need to do 

here is to sign it but do not date it and fax or scan this back to us. (If Married) This is the 

fom1 that you will need to have your spouse sign. 

Administrative Forbearance Request 

We don't want you making double payments so we put your loan(s) into an 

administrative hold while we do the necessary work to complete your program 

enrollment. Please note that while you do not have to make payments while in 

forbearance, interest still accrues. I would suggest getting this particular document back 

to us today or tomorrow. If you don't your servicer may contact, you regarding payment. 

If they do contact you, just let us know and we will reach out to them on your behalf. Just 

keep in mind they are a debt collector and will try to use scare tactics and that's ok that's 

what debt collectors do. We work for you and they work for the big banks. Okay? 

Ameritech Financial Details Page 

Page 9 of 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 20 of 32 

FTC-BBB-000365

Stiner Attachment FF - 1919 
Enrollment Specialist Script 20160408 

This page states that you are working with us and we are in charge of properly preparing 

your documents. 

National Student Loan Data Systems Access 

This is just another copy of the pennission slip 

Ameritech Financial Doc Prep and Service Agreement (The Blue Page) 

This page reiterates the basic information I gathered. Please go through each section and 

make sure that everything is accurately entered. Let me know if you have any questions 

as you go along. (If they have questions about section 4, let them know that the following 

pages will have the figures you discussed) 

Privacy Policy 

The next two pages are the privacy policy which states that we do not share your 

infonnation, and it's not used for any purpose other than what we discussed here today. 

The only third parties we will directly work with on your behalf are the DOE and your 

loan servicer. 

NoticeofCancellation 

Client this program is "at will" so anytime you wish to go back to a standard repayment 

program that is entirely up to you. As for cancelling our program, we offer a full fee 

refund pursuant to applicable law at any time up through us having earned our fee, which 

is described in your agreement and when you get your result. 

Complaint Policy 

Client, this next page is titled complaint policy. The page is intended to provide you, in 

writing, all the methods you have available to reach us should you need to. 

Limited Power of Attorney 

This is a standard form that allows us to work on your behalf with the DOE and your loan 

servicer. 

Statement of Income 

Simply a statement of income. 

Notke of Cancellation -2nd Set 

Because of a very, very old law regarding membership agreements, we're required to 

provide two sets of the cancellation f01ms. One for your records and one for ours. 

Ameritech Financial Document Preparation and Service Agreement 

This page is similar to the pages above that we scrolled past. These disclosures are 

regarding the document preparation services. 

Page 10 of 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 21 of 32 

FTC-BBB-000366

Stiner Attachment FF - 2020 
Enrollment Specialist Script 20160408 

Global Client Solutions 

This page is going to show the draft amounts for the program, and the dates they will 

draft from your account. Global Client Solutions is the name of the company the program 

uses to manage your payments for our fees and for those of FEBC. They will be sending 

you a welcome packet in the mail after you enroll. 

At this time, I would like go over the itemized summaiy of the fee stmcture. Beginning on 

___ ( first payment date) payment will be debited and placed into the separate bank account in 

your name that you control in the amount of$ ___ (package). That sum will continue to be 

debited on a monthly basis for ____ months (package rnonths). The document preparation 

fee is $1,000 total butwe do not actually collectthe money from your bank account until we 

have provided our contracted for services to you. 

Once we get you set up with a new loan payment program, your expected monthly loan 

payments are $ ___ (IBR/ICR) which you will pay directly to your loan servicer. 

[FEBCP] 

Again, our verification department is going to itemize the total costs 

(Walk client through signing process) 

Ok, we're ready to sign. Click next, or start, or any yellow sign here tab. 

Like last time, choose a signature and click "adopt and sign". Sign each tab until you see the 

option for "finish" and then "confinn signing." You will receive your copy of the documents via 

e mail as soon as you sign. You will see that pop-up, like last time. Go ahead and close that 

window. Again, the completed documents will be sent to your email automatically. 

SECTION 7: Referral 

Lastly, here at Ameritech our vision is to provide 100% client satisfaction. When we provide that 

level of service typically what happens is that people tell their friends and family who also need 

help with their student loan situation. 

A lot of the people that I help come to me from refeITals of past clients I have helped. In fact, we 

have set up an official refenal program to give back to those people who share our efforts with 

others. There are a lot of people out there with student loans and not everyone understands that 

there are resources available like the ones we offer. 

The way the referral program works is that you will have online access to sharing information 

about our company via social media, emails, and even postcards. Then for every person you send 

Page Hof 12 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 22 of 32 

FTC-BBB-000367

Stiner Attachment FF - 2121 
Enrollment Specialist Script 20160408 

to me that I am able to help enroll, you will receive a $25 credit on a Tango Rewards card, which 

is good at stores and restaurants, as well as online companies like Amazon, iTunes, and Google 

Play. There is also an option to take the funds you receive and donate it to one of fifteen different 

charities that we have set up relationships with. If you choose to donate, Ameritech Financial 

will match your donation dollar for dollar, without a limit. We don't just want to help people 

who are burdened by student loans, but also charities helping people around the world. 

The first step is to get your account created online ... (Referral Account Creation Steps) 

STEP 8: Transfer to Verification 

Alright, we are all done with the application process. The last step, as I mentioned, is the 

verification. The purpose of the verification is to confirm that you understand how the proposed 

program works, the payments that you will be making, and the date for such payments. You can 

think of this department almost like underwriters who will look through the file to find any errors 

so we can fix them before the file gets submitted. They will be going through a script and 

checking boxes, and it is very important that everything is correct in the application. 

As they go through this, please just respond with a Yes or Correct if the item is accurate. They 

are not allowed to answer any questions, so if you have any questions, you have my phone 

number - call me as soon as the verification is completed and we can go over it again. I know we 

have gone through a lot since we started talking, and you may think of questions after this is over 

- so just call me and I can go through it with you. And I suggest you keep that page with the 

numbers and my phone number and put it somewhere safe. Also, we do have a customer service 

department that can help you with your file, but you can always call me as well. And of course, if 

you know of anyone who has student loans and could use help, make sure to give them my 

number. 

Any questions for me before I get you over to verification? 

Okay, please hold on for a few minutes while I get a verification representative on the line. 

Page 12 of 12 

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FTC-BBB-000368

Stiner Attachment FF - 2222 
(Contract) 

FEBCP Enrollment Script 

20160429 

At this point in the process, I would like to explain an additional program most of our customers 

take part in. It is an amazing optional benefit that helps many of our customers succeed in their 

long-term financial goals! It's called The Financial Education Benefits Center Program. The 

program we are helping you prepare for regarding your student loans will make a big impact on 

your long term finances, but it is also important to ensure that you are taking the right steps. 

As you will see in this portion of the documents, the Financial Education Benefits Center 

Program includes a Financial Education kit, as well as additional benefits. FEBCP has partnered 

with Life Lock Identity Theft Protection, emergency road side assistance, basic income tax 

preparation and many other financial discounts and tools. 

All of these services will only cost While you can chose any provider for these 

services, and would likely have to go hunt down a separate company to give you each- what a 

hassle!- we have already done the work for you and bring these to you all at once, so your 

decision is easy. You can cancel anytime, and there is never any obligation to continue these 

services while you get your student loan programs done. 

I will set you up with a log in and password that will allow you access, while enrolled, to these 

benefits. After we get everything set up make sure that you log in and look through the different 

programs available and get set up in order to take advantage of them. 

(Set up) 

Now I am going to send you that registration email for the Financial Education Benefits Center 

membership program. 

(Build FEBCP Portal and send FEBC email with user name and password fron1 

their email and password from FSA information.) 

You should have an e-mail from me. Go to FEBCP .com, and let me know when you see a Login 

screen. 

If you'd like to take advantage of the program, in the first box at the top, enter the pass phrase 

provided in your email, and click Submit. 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 24 of 32 

FTC-BBB-000369

Stiner Attachment FF - 2323 
Fill out the User Registration information, and click Register. As I mentioned earlier, I suggest 

that in the next couple of days that you log back in and check out the benefits available. A lot of 

people use the things like the road side assistance, the tax prep service, the credit repair program, 

as well as the financial education and budgeting tools. And of course we suggest that each person 

register with Life Lock through your FEBCP account, so you can make sure you have solid 

identity theft protection in place. 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 25 of 32 

FTC-BBB-000370

Stiner Attachment FF - 2424 
Client Name: {{LEAD_NAME}} Rep Name: {{USER_FIRSTNAME}} 

Hello my name is (your name), today's date is {{Today}} and I will be recording this call to confirm and 

verity your enrollment with AmeriTech Financial, as well as activate the necessary accounts to obtain 

access to your student loan information, so please answer all my questions with a clear YES or Correct if 

they are accurate: 

In case we get disconnected please verify your contact phone#. The number I have on file for you is 

{{LEAD_PHONE}}. Is that correct? Do you have any alternate numbers where you can also be reached 

? ---

Great! If you should have any questions regarding the information we cover, it is my job to simply transfer 

you back to your representative for further clarification. 

First, do you consent to this call being recorded or monitored? (YES) 

Next, Ameritech Financial will need to periodically reach out to you in order to keep your file up to date and 

on track. To reach you most efficiently, we would use an autodialer, pre-precorded message or text message. 

Your agreement to being contacted this way does not require you to purchase anything and standard message 

rates may apply. Is that OK? <IfYES, no action required. IfNO, select "SMS Opt Out" field in the Lead 

record> 

:FKBCP and Web Portal: 

Ok. for this first part, you'll need access to a computer. Do vou. have access to one? 

[Yes] 

[ACCESSING FEBCP.COM] 

Did yom representative sign you up for the separate Financial Education Benefits Center membership 

program? 

-[Yes] 

-OK, that's great. 

Next, I want to show you where you can access the Financial Education Benefits Center as well as a 

copy of the Student Loan Financial Education Kit. Go to FEBCP .com, and let me know when you see 

a Login screen. [WAIT FOR THEM TO GET THERE] In the first box at the top, enter the 

passphrase $FEBCP15, and click Submit. Fill out the User Registration infonnation, and click Submit 

at the bottom. After you click submit, you'll receive an email confinnation of registration. [WAIT]. 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 26 of 32 

FTC-BBB-000371

Stiner Attachment FF - 2525 
Great! The next step is to collect your login information to access the online web portal available through 

your servicer( s). Please confirm that you have signed up for our document preparation services today. 

[Yes] 

Great! Information regarding the status of your account is readily available through the web portal, so we 

will check this infonnation from time to time to ensure that you are on track with processing of your 

documents. Having this information on hand will allow us to expedite your file as quickly as possible. The 

username is usually your email address. Do you happen to know this login information? 

[Yes··i 

. .l 

Great! What is the username and password associated with the account? (Enter the website, username, 

password, and an.y other necessary info on the vault sheet and in Salesforce.) 

[No] 

Not a problem. Have you set up an online account before, or do we need to need to set up a new one for 

you? 

[ Already set up, forgot usemame/password] 

OK, so what I'm going to do is initiate the "Forgot Usemame/Password" prompt on the servicer website. 

While I'm doing this, go ahead and log into your email, since you will most likely be getting an email from 

your servicer confinning the missing information. I may also need confirmation on some security 

questions while we reset this infonnation. (Go through reset prompt, write any important information 

down on vault sheet, including passwords, security questions, etc.) 

[Haven't set up an account yet] 

OK, so what I'm going to do is set up an account for you, using your email address and a password. Give 

me one moment while I begin the process. Once we're finished, you may receive an email with a 

confim1ation link, so make sure you click that confirmation to activate your account. (Start the new 

account setup. Make the user ID the customer's email address, and make the password something 

you botlh remember. Repeat the password to the customer so they know it. Any relevant 

information i.e. Security questions, passwords, etc, should be entered onto the vault sheet.) 

OK, we're almost done with the account creation part of your Verification. With this portion of the process 

you'll need access to your email and an internet connection. I'm going to set up your account for the 

Ame1iTech Financial refe1i-al program and quickly show you how to access it and use it. I'll be using the email 

address {{LEAD_ EMAIL}}, and I'll just need a password from you (Request password from them, or use 

one ofthe pass·wonls from FSA or Web Portals) 

OK great, give me just a moment to complete the enrollment process. 

(Fm out fo:rm 0111 refer.ameritechfinancial.com, dick Register) 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 27 of 32 

FTC-BBB-000372

Stiner Attachment FF - 2626 
You should have an email in your inbox confi1ming the creation of your account. Click on the icon in the 

email that says Confitm Email. If you don't see the button, you can also click "Claim Account Page." Once 

the page loads, click Confirm Email. You should now be on the login page. Enter your email 

{ {LEAD _EMAIL}} and the password we just set up. Let me know when you've logged in successfully and 

I'll show you how you can start earning rewards. 

OK! Everything you need to get started is here on this page. I'll show you how easy it is. Do you have a 

Facebook account? 

[YES] Go ahead and click the Post to Facebook link. You'll have to click it on the left, then the blue button on 

the right. You mightbe asked to enter yourFacebook login info in a po pup window. Once yo1.1 're in, dick Post 

to Facebook. Let me lmow when you've posted and I'll show you how to track the status of your referrals. 

[NO] OK, well from what you can see, you also have the ability to post to Twitter or Linkedln, send an email 

blast, or refer someone directly. 

You can track the status of all of your referrals at the top of the page by clicking "My Account." Our most 

successful clients typically try to share once per week, and have earned hundreds of dollars in credit. 

Great! Now we're going to move on to your enrollment verification. For this next part, you will need to have 

your bank routing and account number readily available, as well as your driver's license or ID card. Do 

you have that information at this time? [YES/ NO] [IF No, have the client get it] 

I am speaking with {{LEAD_FIRSTNAME}} {{LEAD_LASTNAME}} correct? And that is 

spelled ____ . correct? 

[If Female] Do you have a former last name? (YIN) [If Yes] What is the name ____ ? [Make note] 

Okay, And your address is {{LEAD_FULLADDRESS}}. correct? And that is spelled _____ _ 

conect? 

And your date of birth is {{LEAD_DATEOFBIRTH \@ MM/dd/yy }}. c01Tect? And your Social Security# 

is { {LEAD _SSNl} }-{ {LEAD _SSN2} }-{ {LEAD _SSN3} }. correct? 

And I have listed here that your cmTent employer is {{LEAD_EMPLOYER_NAME}}. correct? And your 

occupation is {{LEAD_ OCCUPATION}}. correct? 

And just to confirm - I see that your cutrent adjusted gross income is {{LEAD_ANNUALINCOME}}. 

correct? 

(IF ''TAX RETURN" ISN'T SELECTED IN THE "INCOME VERIFICATION'' FIELD) 

I see that your income has changed since your last tax filing status, and you will be submitting a 

{{LEAD_INCOME_ VERIFICATION}} as proof of your updated income, correct? 

And you Driver's License or ID card state and number is {{LEAD_DL_ID_Number_State}}. correct? 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 28 of 32 

FTC-BBB-000373

Stiner Attachment FF - 2727 
And just to confirm I see here that your stated family size is {{LEAD_CLIENTSTATEDFAMILYSIZE}}. 

COlTect? 

And to verify you have provided us with the appropriate FSA ID and Password, I have your FSA Username 

listed as {{LEAD_FSA_ID}} and your FSA password listed as {{LEAD_FSA_ID_PASSWORD}}. Is that 

COlTect? 

Great! And you were informed and understand the purpose of this call is to confirm your acceptance of the 

Financial Analysis and Evaluation that you received, the Financial Education Benefits Center Program 

Enrollment, Student Loan Financial Education Kit and the AmeriTech Student Loan Document Preparation 

Service Agreement. Is that correct? 

And the email address that you are using today to submit your application is {{LEAD_ EMAIL}} Is that 

correct? 

I see that your total estimated federal student loan debt amount being processed is 

${{LEAD_ESTIMATED_TOTAL_FEDERAL_LOAN_BALANCE}}. Is that correct? 

O.K, And just so you ,re aware - the following payment information we are about to discuss is an itemized 

summary of what you were quoted during your consultation with your Account Specialist. 

And Just to sum up - You understand that your Total Estimated Monthly Payment explained to you by your 

Account Specialist will be ${{LEAD_MMB_IBR_ICR_TOTAL}} Of which you will pay 

${{LEAJD_IBR_ICR_TOTAL}} directly to your student loan service provider as your new qualified 

monthly payment, and ${ {LEAD MONTHLY MEMBERSHIP}} for the monthly benefits center program 

from your checking account ending in {{LEAD_ ACCOUNTNUMBER}}. Is that correct? 

And for your monthly program payments your banks name as it appears is {{LEAD_ BANKNAME}}. Is that 

COITect? 

* And I have your bank :routing number as { {LEAD ROUTING NUMBER}} Is that correct? 

*And your bank account number as {{LEAD_ACCOUNTNUMBER}}. Is that correct? 

Great! And you were informed by your Account Specialist that part of this verification is to confirm your 

acceptance of the Financial Analysis & Evaluation you received, The Financial Education Benefits Center 

Program Emollment and Student Loan Financial Education Kit to be charged as follows: 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 29 of 32 

FTC-BBB-000374

Stiner Attachment FF - 2828 
a ${{LEAD_ENROLLMENT_FEE}} enrollment fee that is scheduled to be drafted on 

{{LEAD_ FIRSTP A YMENTDATE \@ MM/dd/yy }}, then payments of 

${{LEAD _MONTHl V _MEMBERSHIP}} per month also beginning on {{LEAD_ FIRSTP A YMENTDA TE 

\@ MM/dd/yy}} from your {{LEAD_ACCOUNTTYPE}} account ending in 

{LEAD_ACCOUNTNUMBER}}. Is that co1Tect? 

Great! You were also informed by your Account Specialist that this verification is to confirm your 

acceptance of the AmeriTech Financial - Federal Student Loan Document Preparation Service Agreement in 

the amount of $800 and this amount is scheduled to be charged as follows: 

NEXT VALUE SKIP TO NEXT 

${{LEAD_AMERITECH_MONTH_l_DOC_PREP _FEE_8}} is scheduled to be drafted on 

{{LEAD_FIRSTPAYMENTDATE \@MM/dd/yy }}, 

NEXT VALUE IS $0, SKIP TO NEXT LINE) a payment of 

${{LEAD_AMERITECH_MONTH_2_DOC PREP FEE_8}} is scheduled to be drafted on 

{{LEAD_SECOND_PAYMENT_DATE \@ MM/dd/yy }} and continuing for 

{{LEAD _AMERITECH_DOC_PREP _DURA TION_MONTHS}} additional months----

---Also from your { {LEAD _ACCOUNTTYPE}} account. Is that c01Tect? 

Finally, you understand that AmeriTech Financial will perfom1 a draft of${{LEAD_IBR_ICR_TOTAL}} 

on { {LEAD _FIRSTPAYMENTDATE}} to cover your first payment into its document preparation program. 

Is that con-ect? 

And you understand that the charges we just discussed are not for anv-other product or service nor will any 

portion of these amounts be disbursed to any of your creditors or your student loan service provider. Is that 

co1rect? 

And you were infom1ed and understand that you will be required to provide AMERITECH FINANCIAL with 

a copy of your most recently filed full tax return and most current pays tubs and all documents should be 

emailed to: Income.doc(lv,ameritechfinancial.com , or faxed to l-866-818-9026 . Is that correct? 

And just to confirn1, I see that your cun-ent tax filing status is {{LEAD_ TAXES_ FILED}}. Is that correct? 

And you confirm that the loans you have represented to AMERITECH FINANCIAL are all federally backed 

by the U.S Department of Education and you have been advised that we will not be applying for loan 

programs for any private student loans you may have. Is that correct? 

OK great, and just to confirm your loan status I see there that your loans are 

{{LEAD_LOAN_STATUS}}. Is that conect? 

And you were infonned by your Account Specialist that you may receive calls and/or mail co1Tespondence 

from your cun-ent student loan servicer while your applications are being processed, and that this is n01mal 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 30 of 32 

FTC-BBB-000375

Stiner Attachment FF - 2929 
during your transition into the programs because of lender communication overlap during the consolidation 

period. Is that conect? 

And you are aware that AMERITECH FINANCIAL is a private company assisting you in completing an 

application for one or multiple different government backed, monitored and regulated federal student loan 

assistance programs through the U.S Department of Education which will allow you to modify your current 

loan situation so you may receive the maximum benefit available to you under federal regulation and 

guidelines. Is that correct? 

And you were informed and understand that AMERITECH FINANCIAL does not directly assist you in 

obtaining credit, a loan, or improving your credit rating. Is that correct? 

And you were also informed and understand that AMERITECH FINANCIAL is not a credit repair service 

organization, a consumer credit counseling agency, a debt settlement company, a licensed real estate agency, 

a law finn, your tax advisor, your student loan service provider, a government agency, or affiliated with any 

such companies, individuals or agencies. Is that coITect? 

And you were infonned that AMERITECH FINANCIAL is not responsible for, and will never collect any 

of your funds in order to make payments directly to any of your lenders, and that AMERITECH 

FINANCIAL will never make payments or advance money for any purpose on your behalf, WITH THE 

EXCEPTION OF THE FIRST PAYMENT TO YOUR LOAN SERVICER. Is that correct? 

And you acknowledge that you received electronically a copy of your receipt, agreements and privacy policy 

from AmeriTech Financial. Is that correct? 

Okay , Importantly - you were informed and understand that AMERITECH FINANCIAL will be 

communicating with you via email and telephone regarding information we may need to further process your 

file or update your account. Is that correct? 

Great! Do you accept this agreement? Yes 

Lastly and most importantly, from this point moving forward we ask you to please direct any questions or 

inquiries regarding your account to our Customer Service Department. 

As a valued client, their role is to serve your every need and provide you with superior client satisfaction. 

They are available to assist you Monday - Friday from 8 am to 5 pm Pacific Standard Time and can be reached 

at 1-800-792-8621 extension 0, or via email at: customer.service(a),ameritechfinancial.com 

:Finally, we would like to put you in touch with our lender partner that specializes in working with people 

who have student loan debt and are seeking to refinance their home mortgage or purchase a home in the 

near future. 

They will work with your financial situation and stmcture payments based around the savings created 

through the federal student loan programs you will be enrolling in. 

Would you like us to put you in touch with our lending partner at the end of this call? 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 31 of 32 

FTC-BBB-000376

Stiner Attachment FF - 3030 
['{ES] - Select YES in the Mortgage Qualifier Field 

[NO] - Select NO in the Mortgage Qualifier Field 

Please hold the line while I stop the recording. Thank You! 

Case 4:18-cv-00806-SBA Document 70-32 Filed 03/05/18 Page 32 of 32 

FTC-BBB-000377

Stiner Attachment FF - 3131 
Case 4:18-cv-00806-SBA Document 70-33 Filed 03/05/18 Page 1 of 2 

Stiner Attachment GG 
Elizabeth Nicho~s <eniichois@necaLbbb.org> 

Re: AmeriTech Financial [IWQV .. ACTIVE.FID9610028] 

1 message 

Elizabeth Nichols <enichols@sacramento.bbb.org> 

To: Franklin Homer <Franklin.Homer@gmlaw.com> 

Dear Franklin, 

Mon, Jul 25, 2016 at 3:57 PM 

Thank you for this response. We appreciate the changes to its policies and procedures that AmeriTech 

Financial has committed to making. Are we correct in assuming that the changes will also apply to 

American Financial Benefits Center? 

In addition, please respond to the following requests: 

In the script you provided, it is explained that the customer should not ask any questions of the 

representative taking them through the verification process and should instead wait until after the 

verification is complete to ask questions. Specifically, the script states: "They are not allowed to 

answer any questions, so if you have any questions, you have my phone number - call me as soon as 

the verification is completed and we can go over it again. 11 Later on the verification representative is 

instructed to say: "Should you have any questions regarding the information we cover, it is my job to 

simply transfer you back to your representative for further clarification. 11 We believe the f irst statement 

to be problematic because the representative is essentially asking the customer to agree to terms 

which they do not understand at the time of agreeing. Please modify your sales script by modifying the 

first statement to no longer ask your customer to agree to terms which they do not yet understand. 

Additionally, please provide us with more information related to your Financial Education Benefits 

Center. If not provided by AmeriTech Financial, please list the companies which provide the various 

services advertised as being available under this offer, including: "emergency road side assistance1 

basic income tax preparation, and[. . . ] other financial discounts and tools." Please also provide us 

with names and contact information of 5 customers who have utilized the services provided with your 

Financial Education Benefits Center. 

As always, if you have any questions, please contact me. We are requesting your response to these 

concerns within 7 days. Responses, or lack thereof, may be reflected in AmeriTech Financiai's public 

BBB Business Review and Rating. 

Sincerely, 

Elizabeth Nk:hols, Trade Practices Specialist 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

9-16-231-8929 

en i cho i s@sa era me nto. b b b. o rg 

bbb.org Start With Trust® 

Case 4:18-cv-00806-SBA Document 70-33 Filed 03/05/18 Page 2 of 2 

Stiner Attachment GG 
Case 4:18-cv-00806-SBA Document 70-34 Filed 03/05/18 Page 1 of 3 

Stiner Attachment HH 
7/28/2016 BBB of Northeast California Mail - Re: AmeriTech Finanical: Formal Request to Cancel Accredidation 

....,.. Darde! Stiner 

~BB Bureau 

Re: AmeriTech Finanical: Formal Request to Cancel Accredidation 

1 message 

Daniel Stiner <dstiner@sacramento.bbb.org> 

To: Brandon Frere <brandon@ameritechfinancial.com> 

Cc: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Dear Brandon, 

Thu, Jul 28, 2016 at 1 :33 PM 

Thank you for visiting our office. It was a pleasure meeting you and speaking with you. As you have 

requested, accreditation for Ameritech Financial, Inc. has been cancelled. 

We are still awaiting a response to a July 25, 2016 follow-up email to Franklin Homer. Can we expect a 

response to be forthcoming? 

Please also feel free to contact me should you have any questions. 

Best regards, 

Daniel Stiner, Director of Trade Practices 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

p : 916443-6843 ext. 212 

dstiner@sacram ento. bbb. org 

bbb.org Start With Trust® 

On Wed, Jul 27, 2016 at 12:40 PM, Brandon Frere <brandon@ameritechfinancial.com> wrote: 

Dear Mr. Daniel Stiner & Ms. Elizabeth Nichols, 

Thank you again for meeting with me yesterday where we discussed my accreditation with the Sacramento BBB for 

Ameritech Financial. The meeting was a very informative one, and the information you provided me was greatly 

appreciated. 

Per our conversation and your recommendation, effective immediately I would like to formally request that your 

company cancel the accreditation for AmeriTech Financial. 

Thank you again for your time and the information you provided. If you have any questions moving fon,vard, please 

feel free to contact me directly. 

Warm Regards, 

Case 4:18-cv-00806-SBA Document 70-34 Filed 03/05/18 Page 2 of 3 

FTC-BBB-000395

Stiner Attachment HH - 1 
7128/2016 BBB of Northeast California Mail - Re: AmeriTeoh Finanical: Formal Request to Cancel Accredidation 

AMERITECH 

- F l N AN C I AL-

· Brandon Frere · President & CEO 

AmeriTech Financial 

11 0 I investment Blvd. Suite 200 

, El Dorado Hills, CA 9 5 7 62 

Phone: 800-792-8621 ext. 101 

Cell: 707-758-0652 

Fax: 800-878-1182 

· Emai !: brandon@ameritechfinancial.com 

Website: \MflvV.arneritechfinancial.com 

· Our Client Goal: 

, 100% Client Satisfaction - 100% of The Time 

, NOTICE: The information contained in (and attached to) this e-mail is intended only for the personal and confidential 

: use of the designated recipient(s) named above. If the reader of this message is not the intended recipient, you are 

· hereby notified that you have received this document in error and that any review, dissemination, distribution or 

copying of this message is strictly prohibited. If you received this communication In error, please notify us 

· immediately by reply e-mail, and delete the original message (including attachments). 

refer.amerit!echfinanciat.com 

referral 

AMERffECH ro rom - F I N'ANCIAl.-0 

1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

, Fax: (866) 818-9026 

· Referral Program: refer.ameritechfinancial.com 

Customer Service: customer.service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

· Web: wvvw.ameritechfinancial.com 

. Our Client Promise; 100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the 

personal and confidential use of the designated recipient(s) named above. If the reader of 

this message is not the intended recipient, you are hereby notified that you have received 

· this document in error and that any review, dissemination, distribution or copying of this 

• message is strictly prohibited. If you received this communication in error, please notify us 

immediately by reply e-mail, and delete the original message (including attachments). All 

• participants in Ameritech Financial's referral program must agree to the Terms & Conditions 

2/3 

FTC-BBB-000396 

Stiner Attachment HH - 2 

Case 4:18-cv-00806-SBA Document 70-34 Filed 03/05/18 Page 3 of 3 
Case 4:18-cv-00806-SBA Document 70-35 Filed 03/05/18 Page 1 of 6 

Stiner Attachment II 
811912016 BBB of Northeast California Mail - Fwd: BBB Complaints to Unpublish 

-----Forwarded message ---

From: Tom Knickerbocker <tom.knickerbocker@ameritechfinancial.com> 

Date: Tue, Aug 2, 2016 at 3:48 PM 

Subject: BBB Complaints to Unpub!ish 

To: agalvan@sacramento.bbb.org, Brandon Frere <brandon@afbcenter.com> 

Good afternoon Alma, I hope your week is going well! 

I'm writing to you today regarding instructions we received from your agency regarding the unpublishing of complaints 

from our BBB page. As you may know, our goal is 100% client satisfaction, so we always try to work exceptionally hard 

to ensure that each client that posts a complaint onto our BBB page receives our full and undivided attention until we've 

met and exceeded their expectations in resolving their concerns. 

Per your instructions, we have compiled emails directly from the clients who have issued these complaints, giving the 

BBB permission to unpublish the complaint from our BBB page after we've resolved the case to their satisfaction. 

Below, you'll find these emails from 9 different clients. I have posted their name and case #, as well as the email itself. 

If you'd like me to provide you with additional information, please don1 hesitate to ask! 

Regarding 2 additional complaints, Jason Duenas ( and Angela Smith ( , it was determined that no 

business was ever conducted with these individuals, and the contact information provided in the complaint was invalid or 

did not exist (false addresses, emails and phone numbers). We would like to address these complaints, but they appear 

to be fraudulent. What processes can we take to get these removed from the BBB page altogether? 

Finally, this leaves Dale William Olmstead ( , Donyale Kendrix ( , and Mary Marks . We 

have been unable to reach out to these individuals after multiple attempts. We were able to help them to an extent, but 

have been unable to confirm that we've met their needs. What steps can we take from here regarding these specific 

individuals? 

The emails are displayed below. 

Again, let me know if you have any questions at all. Thank you so much for your help! 

Tom Knickerbocker 

707.222.4088 

Jillian Savage 

--- Forwarded mess~ e 

From: Jillian Savage< gmail.com> 

Date: Mon, May 23, 2016 at 3:33 M 

Subject: Re: Follow Up from Holly at AmeriTech 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

Hello Holly, 

216 

FTC-BBB-000400 

Stiner Attachment II - 1 

Case 4:18-cv-00806-SBA Document 70-35 Filed 03/05/18 Page 2 of 6 
8/19/2016 BBB of Northeast California Mail - Fwd: BBB Complaints to Unpublish 

Yes, as long as i don't get any more texts in the future the issue has been resolved and BBB can unpublish my 

complaint. 

Thank you. 

Sadeiia Hayward 

--- Forwarded message - --

From: Sadelia Reed •••• , ,@gmail.com> 

Date: Thu, May 26, 2016 at 1:26 PM 

Subject: Re: Follow up from AmeriTech 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

On behalf of Ms. Holly Novak and the Ameritech Financial, 

I spoke with Ms. Novak on today who addressed my issues and concerns with the services at Ameritech Financial. lvls. 

Holly Novak has emailed me confirmation that she has closed my account and services with Ameritech Financial and 

resolved the issues I had with this company on today. She also informed me that she will let the customer service 

department know to cease all work on my file and terminate the account. She also agreed that I will have no future 

services or billing from Ameritech Financial as my services was cancelled immediately on today. If this is all correct, the 

BBB can unpublish my complaint that I wrote on yesterday about my dissatisfaction with Ameritech Financiai. Again, Ms. 

Holly Novak informed me that my case and services with Ameritech Financial will be closed immediately after receiving the 

above email stating the BBB can unpublish my compliant filed on yesterday. 

I would like for me and Ameritech Financial to be able to part ways amicably. 

Best regards, 

Sadelia Hayward 

Hollee Warlitner - --- Forwarded message ------

From: Hollee Warl itner -l-  l @gmail.com> 

Date: Fri, Jun 3, 2016 at 4:49 PM 

Subject: Re: AmeriTech - Complaint Resolve 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

Arnt::1ilt::l:f1 fir1c1r1dal n,solved my concerns. The BBB complaint can be unpublished at this time. 

Hollee Warlitner 

Patricia Ann Eisenbarth -

----- Forwarded message -----

From: Patty Olson <ll ll l @hotmail.com> 

Date: Wed, Jul 6, 2016 at 11:16 AM 

Subject: RE: Follow Up from Holly at AmeriTech 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

3/6 

FTC-BBB-000401 

Stiner Attachment II - 2 

Case 4:18-cv-00806-SBA Document 70-35 Filed 03/05/18 Page 3 of 6 
8119/2016 

To whom it may Concern: 

In regards to 

Case# 

BBB of Northeast California Mail· Fwd: BBB Complaints to Unpublish 

Ameritech has resolved my concerns to my satisfaction, and the BBB complaint can be unpublished at this time. 

Thank You, 

Sincerely, 

Patricia Ison 

Deana Noble 

--Forwarded message ----

From: Deana Noble< @yahoo.corn> 

Date: Mon, Jul 11, 2016 at 2:42 PM 

Subject: Re: Follow Up from Holly at AmeriTech 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

Ameritech Financial has resolved my complaint effectively. The BBB complaint can be unpublished at this time. 

Sent from Yahoo Mail on Android 

Craig Davis 

------ Forwarded message 

-----

From: Craig Davis  ll l@gmaii.com> 

Date: Fri, Jul 15, 2016 at 9:53 AM 

Subject: Re: BBB Resolution - AmeriTech 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

AmeriTech has resolved my concerns accordingly. The BBB complaint can be unpublished at this time. 

Eve Krot 

- - FoIWarded message --

From: Eve ' illYahoo.com> 

Date: Wed, Jul 20, 2016 at 11:13 AM 

Subject: Re: Follow Up from AmeriTech 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

To the BBB, 

AmeriTech has resolved my concerns to my satisfaction. The BBB complaint can be unpublished 

at this time. 

416 

FTC-BBB-000402 

Stiner Attachment II - 3 

Case 4:18-cv-00806-SBA Document 70-35 Filed 03/05/18 Page 4 of 6 
8/19/2016 888 oi Northeast California Mail• Fwd: BBB Complaints to Unpublish 

Thank you for your customer service. 

Eve Krot 

Michael Talbot 

--Forwarded message --

From: Michael T ·--@gmai!.com> 

Date: Wed, Jul 20, 2016 at 10:45 AM 

Subject: Re: Complaint 

To: Holly Novak <holly.novak@amer!techfinancial.com> 

Good Morning Holly 

Thank you as well for taking the time to explain the process more succinctly. I am feeling better about the process and 

have received the Forbearance Request from NelNet. 

Per our discussion regarding the 888 complaint - "AmeriTech has resolved my concerns to my satisfaction. The 888 

complaint can be unpublished at this time." 

Again I appreciate your attention to this matter. 

Warmest Regards, 

Michael Talbot 

Timothy Jones 

--- Forwarded message ----

From: Timothy Jones -  l @yahoo.com> 

Date: Tue, May 17, 2016 at 10:34 AM 

Subject: Re: Follow up from Holly at AmeriTech Financial 

To: Holly Novak <hol!y.novak@ameritechfinancial.com> 

Hello Holly, 

To whom it may concern, please unpublish my BBB complaint as the matter has been resolved. 

Thank you very much. 

v/r, 

Timothy Jones. 

Tom Knickerbocker 

Executive Vice President 

AmeriTech Financial 

1101 Investment Blvd 

El Dorado Hills, CA 95762 

Email: tom.lmickerbocker@ameritechfinancial.com 

Website: Vft}lw.ameritechfinancial.com 

5/6 

FTC-BBB-000403 

Stiner Attachment II - 4 

Case 4:18-cv-00806-SBA Document 70-35 Filed 03/05/18 Page 5 of 6 
8/'19/2016 

J\MERffECH 

,»»= F ! N' l<1, N c: A l,i"""" 

1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

BBB of Northeast California Mail - Fwd: BBB Complaints to Unpublish 

Referral Program: refer.ameritechfinancial.com 

Customer Service: customer.service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

Web: www.ameritechfinancial.com 

Our Client Promise: 100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the 

personal and confidential use of the designated recipient(s) named above. If the reader of 

this message is not the intended recipient, you are hereby notified that you have received this 

document in error and that any review, dissemination, distribution or copying of this message 

is strictly prohibited. If you received this communication in error, please notify us immediately 

by reply e-mail, and delete the original message (including attachments). All participants in 

Ameritech Financial's referral program must agree to the Terms & Conditions of the program, 

reviewable at refer.ameritechfinancial.com. 

6/6 

Case 4:18-cv-00806-SBA Document 70-35 Filed 03/05/18 Page 6 of 6 

FTC-BBB-000404

Stiner Attachment II - 5 
Case 4:18-cv-00806-SBA Document 70-36 Filed 03/05/18 Page 1 of 3 

Stiner Attachment JJ 
1/912017 888 of Northeast California Mail - Re: Follow Up. 

Better 

Business 

Bureau 

Daniel Stiner <dstiner@necal.bbh.org> 

Re: Follow Up. 

i message 

Daniel Stiner <dstiner@sacramento.bbb.org> Mon, Jan 9, 201 7 at 2:58 PM 

To: Brandon Frere <brandon@ameritechfinancial.com> 

Hello Brandon, 

You are welcome to apply, but with a Crating the business does not meet our minimum acceptance 

guideHnes . If you'd still like me to send you an application, let me know. 

Thank you, 

Daniel Stiner, Director of Trade Practices 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

916-443-6843 ext. 212 

dstiner@sacramento.bbb.org 

~ 

Start With Trust® 

bbb.org 

On Mon, Jan 9, 2017 at 2:29 PM, Brandon Frere <brandon@ameritechfinancial.com> wrote: 

' Hi Dan, 

· I would like to circle back around with you and apply for accreditation ... Not oniy have we resolved every single 

i compliant from clients that have reached out to your organization since inception. but we have completely ovArh:::iu!P.rl 

; our entire business model to be 2nd to none as far as servicing the client on all levels. 

· We want to work with your organization to help further better our ability to connect with our clients and the general 

public. Our missions are aligned, and to have such a relationship with your organization would be to help more people. 

' I look forward to hearing from you. Thank you. 

Warm Regards, 

1/3 

FTC-BBB-000407 

Stiner Attachment JJ - 1 

Case 4:18-cv-00806-SBA Document 70-36 Filed 03/05/18 Page 2 of 3 
1/9/2017 

At\llERITECH 

-f- IN AN C I.A LBrarndon Frere 

President & CEO 

AmeiiTech Financial 

1101 Lweslment Blvd. Suite 200 

El Dorado Hilis, CA 95762 

Phone: 800-792-8621 ext. 101 

Cell: 707-758-0662 

BBB of Northeast California Mail - Re: Follow Up. 

· Fax: 800-878-1182 

Email: brandon@ameri1echfinancial.com 

Website: www.ameritechfinancial.com 

Our Client Promise: 

• 100% Ciient Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the personal and confidential 

use of the designated recipient(s) named above. If the reader of this message is not the intended recipient, you are 

· hereby notified that you have received this document in error and that any review, dissemination, distribution or 

· copying of this message is strictly prohibited. If you received this communication in error, please notify us 

· immediately by reply e-mail, and delete the original message (including attachments). 

AMERrnECH 

- F I MA'N ,:; HA~-• 

1101 Investment Blvd. Suite 290 

. El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameritechfinancia!.com 

• Customer Service: customer.service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

Web: >Ar.r.r-v.ameritechfinancial.com 

. Our Client Promise: 100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the 

personal and confidential use of the designated recipient(s) named above. If the reader of 

. this message is not the intended recipient, you are hereby notified that you have received 

· this document in error and that any review, dissemination, distribution or copying of this 

message is strictly prohibited. If you received this communication in error, please notify us 

immediately by reply e-mail, and delete the original message (including attachments). All 

2/3 

FTC-BBB-000408 

Stiner Attachment JJ - 2 

Case 4:18-cv-00806-SBA Document 70-36 Filed 03/05/18 Page 3 of 3 
Case 4:18-cv-00806-SBA Document 70-37 Filed 03/05/18 Page 1 of 4 

Stiner Attachment KK 
2/28/2017 888 of Northeast California Mail - Re: Ameritech Financial 

Better 

Business 

Bureau 

Daniel Stiner <dstiner@necal.bbb.org> 

Re: Ameritech Financial 

1 message 

Daniel Stiner <dstiner@sacramento.bbb.org> Tue, Feb 28, 2017 at 4:08 PM 

To: Brandon Frere <brandon@ameritechfinancial.com> 

Dear Mr. Frere, 

Thank you for your patience while we took the time to review the file and gather information. 

The current Crating is due to the volume of complaints and advertising issues found by BBB. 888 Accreditation 

Standards require accredited businesses to maintain a B rating or higher. 

Although we cannot control the volume of complaints, we have made suggestions for improvements to your advertising 

and selling practices that we believe will make the process more transparent for your customers. Despite this, we 

continue to receive complaints against Ameritech which contain serious allegations of misrepresentation in the 

company's advertising and sales presentations. I am attaching copies of some recent complaints for your review. 

We would suggest making the corrections to your mailers and sales presentations that we have encouraged in the past. 

I'll reiterate some of those suggestions here, based on recurring allegations from complaints we have received: 

1. On your mailer, clearly identify the company name and service offered. Consumers may be misled by your sole 

identification as "Student Loan Department" and references to the Health Care and Education Affordability Reconciiiation 

Act of 2010 and the U.S Department of Education. Your telephone operators should be just as transparent. (BBB 

Accreditation Standards require accredited businesses to advertise honestly and be transparent.) 

2. Ensure that your customers are aware that payments to Ameritech are for document processing and do not go 

towards payment of their student loans. It is important that this is established in verbal representations as well as 

written. (BBB Accreditation Standards require accredited businesses to make known all material facts in both wlitten and 

verbal representations.) 

3. Ensure that customers are guided to report accurate family size values to student loan seivicers - who are required 

to abide by Federal law. (BBB Accreditation Standards require accredited businesses to tell the truth and embody 

integrity.) 

I also want to bring to your attention that consumers have informed us (and we have received a copy of at least one 

email to confirm) that Ameritech requires them to request that BBB un-publish or remove their compiaints as a condition 

to receiving refunds. 

BBB Accreditation Standards require that accredited businesses address marketplace issues in good faith and embody 

integrity. The practice of requiring or Implying that consumers conceal valid complaints from the public in order to 

receive refunds does not align with these Standards. I'd also like to make you aware that BBB policies require that we 

notify the public of this practice through a notice on the Business Profile. 

Attached is an application for accreditation. You are welcome to apply at any time. Applications are reviewed for 

approval by our Board of Directors to ensure that applicants meet BBB Accreditation Standards, which include those 

1/d. 

FTC-BBB-000421 

Stiner Attachment KK - 1 

Case 4:18-cv-00806-SBA Document 70-37 Filed 03/05/18 Page 2 of 4 
BBB of Northeast Ca!ifcrnia Mail - Re: Ameritech Financial 

mentioned above. 

You may review BBB Accreditation Standards here: go.bbb.org/i P4WmLa 

If you would like to address any of the concerns mentioned above, or if you have any questions, please feel free to write 

me. 

Sincerely, 

Daniell Stiner, Director of Trade Practices 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

916-443-6843 ext. 212 

dstiner@sacramento.bbb.org 

Start With Trust® 

r~~ bbb.org 

On Tue, Feb 28, 2017 at 11:07 AM, Brandon Frere <brandon@ameritechfinancial.com> wrote: 

Hi Danie!, 

Hope you had a great weekend .... I was just wondering if you had the materials / recommendations that we discussed 

when I came to see you last month? Any direction you can give me would be greatly appreciated. 

· Thank you. 

: Warm Regards, 

Brandon Frei"e 

President & CEO 

. AmeriTech Financial 

-----·"'•"~ 

2/4 

FTC-BBB-000422 

Stiner Attachment KK - 2 

Case 4:18-cv-00806-SBA Document 70-37 Filed 03/05/18 Page 3 of 4 
2/28/2017 

: 110 i fnvestment Blvd. Suite 200 

: El Dorado Hills, CA 95762 

: Phone: 800-792-8621 ext. 101 

Cell: 707-758-0662 

: Fax: 800-878-1182 

BBB oi Northeast California Mail - Re: Ameritech Financial 

Emai l: brandon@ameritechfinancial.com 

Website: w1111w.ameritechfinancial.com 

Our Client Promise: 

100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for the personal and confidential 

· use of the designated recipient(s) named above. If the reader of this message is not the intended recipient, you are 

• hereby notified that you ha,ie ·receilied this document ·in error arid that any· review,· clissemination, distribution or 

copying of this message is strictly prohibited. If you received this communication in error, please notify us 

• immediately by reply e-mail, and delete the original message (including attachments). 

; On Mon, Jan 23, 2017 at 1 :33 PM, Daniel Stiner <dstiner@sacramento.bbb.org> wrote: 

, Hi Brandon, I hope you've had a nice weekend. I wanted to let you know I am still working on 

; getting over the material you requested. If all goes well, I will be getting back to you in the next 

: day or two. 

i Thank you, 

' Daniel Stiner, Director of Trade Practices 

l Better Business Bureau serving Northeast California 

· 3075 Beacon Blvd 

, West Sacramento, CA 95691 

; 916-443-6843 ext. 212 

; dstiner@sacramento.bbb.org 

: Start With Trust® 

t ~~ 

, bbb.org 

refer.ameri'techflnanciat.c:om 

referral 

' AMERITECH ogram ' - F IMAN CI A !.-

1101 Investment Blvd. Suite 290 

. El Dorado Hills, CA 95762 

314 

FTC-BBB-000423 

Stiner Attachment KK - 3 

Case 4:18-cv-00806-SBA Document 70-37 Filed 03/05/18 Page 4 of 4 
Case 4:18-cv-00806-SBA Document 70-38 Filed 03/05/18 Page 1 of 7 

Stiner Attachment LL 
Case 4:18-cv-00806-SBA Document 70-38 Filed 03/05/18 Page 2 of 7 

On Fri, Mar 17, 2017 at 9:15 AM, Christopher Meier 

<Christopher.Meier@gmlaw.com> wrote: 

Dear Mr. Stiner, 

Brandon from Ameritech Financial reached out to us in order for us to assist the 

company is responding to the BBB’s inquiry. 

We want the BBB to know that Ameritech is very much interested in pursuing its 

BBB Accreditation. That said we do understand that the company may need to 

change a portion of its procedures, as it has in the past already, to meet the 

BBB’s high accreditation standards. Along those lines Ameritech is willing to 

accommodate the BBB. 

We believe Ameritech’s services are very much needed today by the many 

consumers who are struggling with their federal student loan debt load and who 

are not aware of the many alternatives they have available to them for repayment 

as offered by the Department of Education. Unfortunately many unscrupulous 

lenders and services of these federal student loans often attempt to dissuade 

their borrowers from obtaining DOE relief because these same lenders and 

services stand to lose business when their borrowers obtain such relief. 

We understand that the BBB waits the number of complaints a company 

receives relative to its size. While we do not know what the BBB currently has on 

file for yearly gross sales for the company, we assume such is not reflective of 

the company’s current gross revenues. Frankly we are surprised that the BBB 

has not requested these figures from the company until very recently. On this 

note, we request the BBB input Ameritech’s current gross revenues into the 

BBB’s rating logarithm as reflected on the attached BBB Application for 

Accreditation. Such revenues were $4.3 mm for FY 2016. While we are not 

certain of this, we do believe that once the BBB updates its records to reflect 

Ameritech’s FY 2016 gross revenues that its rating will be a “B” or higher. 

FTC-BBB-000572 

Stiner Attachment LL - 1 
Case 4:18-cv-00806-SBA Document 70-38 Filed 03/05/18 Page 3 of 7 

As stated Ameritech’s appreciates the BBB’s input and wants to work with the 

BBB. As such Ameritech will make the following changes responsive to the 

BBB’s concerns from your email below: 

1. The company will clearly place its name on its mailers. Attached is an 

revised mailer for the BBB’s records. Further Ameritech will instruct all of its 

telephone representatives to clearly identify their names and the name of the 

company at the beginning of all calls. 

2. The company will make it point to ensure that its customers are aware of 

the fact that the fees they pay to it are not going towards their student loans. 

Shortly after first making contact with a potential customer, Ameritech’s 

representatives will state “We want to make it very clear to you that we are not 

the Department of Education. Rather Ameritech may be able to assist you in 

submitting the needed documentation to the DOE in order for you to obtain an 

alternative payment arrangement on your federal student loans as offered by the 

DOE. We also want you to know that any fees you pay to Ameritech in exchange 

for the services it provides to you will not be applied to your student loans.” The 

company will place similar disclosures on its written consumer agreements. 

3. Ameritech has been working to make sure that its customers are guided to 

report accurate family size values. In doing so it has implemented procedures 

ensuring that its customers are fully aware of the “family size” definition by clearly 

reading such definition to its customers prior to the election of their family size 

number and status. Ameritech will continue to drill down on this point with its 

representatives to ensure that its customers are fully aware of the definition prior 

to the submission of their documentation to the DOE. 

4. To the BBB’s last point, Ameritech has never asked its customers who 

have complained to the BBB to attempt to have their complaints “un-published” or 

similar as a prerequisite for receiving a refund. Ameritech knows that the BBB 

does not remove complaints unless they are assigned to a the wrong company. 

That said, and as a precautionary measure, Ameritech will communicate to its 

staff that asking for such is unacceptable in any way. 

Regarding the comments the BBB has placed on Ameritech’s BBB Business 

Review we believe such are inequitable to the business. We have worked with 

many BBB’s across the county and we have rarely seen such detailed notations 

published on a company review webpage. As such, and based on the numerous 

changes the company has made in response to the BBB’s requests to date, we 

request that the BBB remove the language. Alternatively we would request that 

the BBB work with Ameritech to make the language less derogatory towards the 

company. Last we ask that the BBB not publish this response to the company’s 

BBB Business Review. 

After you have reviewed these materials please feel free to reach out to me so 

that we can discuss Ameritech’s BBB Accreditation. 

FTC-BBB-000573 

Stiner Attachment LL - 2 
GreenspoonMarder 

Case 4:18-cv-00806-SBA Document 70-38 Filed 03/05/18 Page 4 of 7 

Thank You, 

Chris Meier 

Profile 

Christopher P. Meier, Esq. 

Greenspoon Marder, PA 

100 West Cypress Creek Road Suite 700 

Ft. Lauderdale, FL 33309 

Direct: (954) 734.1836 | Direct Fax: (954) 213.0073 

christopher.meier@gmlaw.com 

www.gmlaw.com 

FTC-BBB-000574 

Stiner Attachment LL - 3 
COMPANY INFORMATION 

ID# 

PLEASE PRINT OR TYPE 

Firm Name for Roster (max 40 characters) A_m_en_·t_ec_h_F_i_na_n_c_ia_l ________________________ _ 

Corporate Name (if different)----------------------------------

1 ADDRESSES / TELEPHONE NUMBERS / INTERNET INFORMATION 

Number of locations in our service area (530, 916 & 209 area codes) _ _ 

1. Primary Physical 1101 Investment Blvd. #290 City El Dorado Hills Zip _9_57_6_2 _ __ _ 

If physical address is a residence, roster address may be assigned as: ~ Physical(Primary)1 Mailing D City/Zip Only 

2. P.O. Box/Mailing _ __________ ___ _ _ _ City __________ Zip _____ _ 

3. Headquarters (if not local) _ _______ ______ City Zip _ _____ _ 

4. Additional Local Branch (Attach separate list with multiple branches as necessary) 

Address City Telephone 

5. Telephone Numbers (list or attach a list of all numbers used by the public): 

Roster/Primary (800 ) 792-8621 Fax (866 ) _8_1_8-_9_02_6_____ Cell (.__ _ _, ____ _ __ _ 

Other ( _______ Other (~ _ __, ________ Other<~- -~ _______ _ 

6. E-Mail Address info@ameritechfinancial.com Web Site Address www.ameritechfinancial.com 

Other Web sites: _____________ __ _ 

I PROPRIETORS / PRINCIPALS I Required: Disclosure of protection for customer information collected. 

1. Owner/CEO/President 

Name & Title: Mr./Mrs./Ms. _B_r_a_nd_o_n_F_re_r_e _ _ _________ Title President & CEO 

Other Contact: Mr./Mrs./Ms. Tom Kinckerbocker Title Executive Vice President 

Address# 

Address# 

I BUSINESS INFORMATION AND LICENSING I -

1. Type of Business (check all that apply) :=Jsole Ownership L Partnership0corporation0Branch [ ] Franchise 

2. Primary Product/Service Student Loan Document Preparation Assistance BBB TOB Code ____ _ 

Where Company advertises _D_ir_ec_t_m_a_il ___ _ __________ _____ _ 

(Attach business card, brochures, marketing materials, contracts, and sample advertising) 

~ Company uses a contract 

3. Date Established Locally 021011201 1 Date Incorporated (if applicable) _11_1_021_2_0_1_s _ __ _ State CA 

---- (Month/Year) N/A 

If operating locally less than one year: Owner's Previous Company Name ______ ____ ___ _ _ _ _ 

Ownership Position NIA Address _N_IA _ ___ ___ _ _ ______ _______ _ 

4. For Internal BBB use only: Annual number of customers: _1_3_,0_7_1 __ _ 

Gross annual sales: 1.-\1 ~oc 10 0 o 

People Active with the Firm : _1_6_0 ___ (Avg. full-time equivalents) 

5.State/Federal Regulatory Agency Licenses (if required): 

Agency _______ ______ Number _______ ____ Issued ___ _ Expires _ _ _ _ 

Case 4:18-cv-00806-SBA Document 70-38 Filed 03/05/18 Page 5 of 7 

Stiner Attachment LL - 4 
TO: Gloria Taylor IMPORT ANT NOTICE I 

We are pleased to inform you that you may now participate in the Student Loan Document Preparation 

and Processing Services Program. This urnera m can immediatelv assist vnu in unrnntiallv saving 

thousands on vour student loans a ad uossi blv ureuare vou for total Joan forgiveness through 

applying for available government relief options. 

You may now be eligible for: 

• A $0 / Month Student Loan Payment 

• Differ ent Total Loan For giveness Progr ams 

• Loan Consolidation and Program Paym ent Reduction 

• No Income Req uirement o r Cr edit Check 

• Special Forgiveness Progr ams for Public Sector Employees 

Call Toll Free 1-800-792-8621 

Monday - Friday 10a m - 9pm EST 

To confirm your eligibility today contact your representative and provide your personal reference#: 

Stiner Attachment LL - 5 

Case 4:18-cv-00806-SBA Document 70-38 Filed 03/05/18 Page 6 of 7 
2016 NOTICE 

Ameritech Fioaocial 

1-800-792-8621 

Ref. No. 

STLN 

PRESORTED 

FIRST-CLASS MAIL 

U.S. POSTAGE 

PAID 

SACRAMENTO, CA 

RE: Student Loan Assistance 

1•1•2• ............. SCH 5-OIGIT 20601 

D isdosure and Dtsdaimtr: Amttittth Financial dots not assume or pay consumer debts. This is not a Joan or a Jen di ~ offer. Co~y provides 

~:-:"~~tgr:~"r~dJ~1:!'!fe~~c&/ira~e;~Ym=~~~ ~ts;~~~s arear~:1w=i:~t~J~~ ~~\~~~ particular situation. Ther e ar e many free government programs avaOableand you may apJ; on youro vm d irectly with the DOE fo r its setvices without fee. This is not a government p-ogram Formore infonnationpleasedirect al questions and inquiries to t -800,.792-8621. 

Stiner Attachment LL - 6 

Case 4:18-cv-00806-SBA Document 70-38 Filed 03/05/18 Page 7 of 7 
Case 4:18-cv-00806-SBA Document 70-39 Filed 03/05/18 Page 1 of 5 

Stiner Attachment MM 
Case 4:18-cv-00806-SBA Document 70-39 Filed 03/05/18 Page 2 of 5 

From: Daniel Stiner [mailto:dstiner@sacramento.bbb.org] 

Sent: Wednesday, April 05, 2017 1:33 PM 

To: Christopher Meier 

Cc: Robby Birnbaum; Yarly Franco; Elizabeth Nichols 

Subject: Re: Ameritech Financial 33508.0006 

Dear Mr. Meier, 

Thank you for your patience while we took time to carefully review your message 

and attachments. To aid us in our evaluation of Ameritech Financial s 

application for accreditation, we have the following requests: 

1. You mention in your letter under item 2 that Ameritech will place disclosures 

on its written consumer agreements to clarify the difference between 

Ameritech and DOE, and that fees paid to Ameritech do not go towards 

payment of student loans. We are requesting current copies of these written 

consumer agreements for review. 

2. Please provide the definition of family size currently being provided to 

customers, as well as copies of all scripts used in sales and confirmation 

calls. 

3. We are enclosing documentation to show that Ameritech employees have 

required consumers to request that complaints be unpublished in exchange 

for refunds including an example of explicit instructions provided to a 

complainant by Operations Manager Holly Novak. Please refer to the 

attachment titled Refund & Unpublish requests . Please also note that the 

string of requests provided in the email from Tom Knickerbocker all contain 

language nearly identical to that suggested by Ms. Novak. 

As I mentioned to Brandon Frere in my February 28 email, BBB policies 

require that we inform the public of Ameritech s practice of requiring or 

implying that consumers conceal valid complaints in order to receive refunds. 

FTC-BBB-000565 Stiner Attachment MM - 1
 

Case 4:18-cv-00806-SBA Document 70-39 Filed 03/05/18 Page 3 of 5 

With regard to BBB s comments on the Business Profile, we disagree that they 

are inequitable. The comments are based on patterns in allegations contained in 

consumer complaints presented to BBB, and our review of the company s 

advertising based on the BBB Code of Advertising. It is BBB s standard 

operating procedure to inform the public when such matters come to our 

attention. Nonetheless, in the spirit of equitability, we have revised some sections 

of the profile to ensure it is current, accurate, and succinct. Below you will find an 

explanation of any changes made and our reasoning for the content of each 

section. 

1. Direct Mail Advertising: We have amended this section to include the fact 

that Ameritech has provided us with copies of revised mailers which include 

the company name on both July 25, 2016 and March 17, 2017. We have also 

made note of a solicitation copy we received last month which is dated 

2017 , does not include the company s name, and is signed Student 

Loan Department . This solicitation is attached as Crystal Harp 2017 

solicitation . 

2. 100% Satisfaction Guarantee: We were informed by the business on July 

25, 2016 (see the attached Greenspoon Marder 7-25-2016 letter ) that they 

would modify their advertisement from 100% Satisfaction Guaranteed to 

Our goal is 100% Client Satisfaction . We have copies of recent emails 

from Ameritech staff, including an email sent from Ameritech President and 

CEO Brandon Frere to Daniel Stiner on February 28, 2017, which continue to 

use the claim: Our Client Promise: 100% Client Satisfaction - 100% of The 

Time . Please see the attached Brandon Frere 2-28-2017 email , as well 

as Ms. Novak s January 18, 2017 email referenced above. 

We continue to receive reports alleging the company is not honoring the 

guarantee. You may refer to complaints we ve received within the last six 

months, filed by consumers Gross and Harp; and customer reviews we ve 

received within the last 6 months submitted by Daniel A. and Rhonda C. in 

the attached Compls & Reviews . Please also note that the practice of 

requiring or implying that consumers conceal valid complaints in order to 

receive refunds does not comport with an unconditional satisfaction 

guarantee. 

At this time we are requesting that the company either modify these 

statements, or provide BBB with a written commitment that they will abide by 

the BBB Code of Advertising and advertise a 100% Satisfaction Guarantee 

only if they unconditionally refund the full purchase price of the advertised 

product or service at the consumer's request. 

3. Family Size: We have amended this section to include the fact that BBB 

continues to receive complaints from consumers who allege they were misled 

FTC-BBB-000566 Stiner Attachment MM - 2
Case 4:18-cv-00806-SBA Document 70-39 Filed 03/05/18 Page 4 of 5 

regarding family size - as recently as March 28, 2017. Please see the 

complaints filed within the last six months by consumers Little, Giffard, and 

Banfield in the attached Compls & Reviews . 

4. Reviews & Complaints: We believe our explanation of the pattern in the 

company s complaints is accurate and reflects the allegations in complaints 

we continue to receive. Please refer to complaints filed within the last six 

months by consumers Thomas, Gross, Nowlen, Vick, Harp, Troutman, 

Mishigan, and Staplefoote in the attached Compls & Reviews . If Ameritech 

would like to provide an updated response to our concerns, we will gladly 

review it. 

Your letter states that the company has made numerous changes in response to 

BBB requests, but the statements above - supported by the attached 

documentation - indicate these changes have not taken place, or were not 

effective. 

Because our interest is in reporting the truth, feel free to let us know if you 

believe any of the statements on the company s current Business Profile are 

inaccurate. You may view Ameritech s BBB Business Profile here: 

http://go.bbb.org/2nPwM8A 

Lastly, we have updated the revenue information in our database to reflect the 

$4.3M figure provided on the application you ve submitted. As a result, the 

rating has increased from a C to a B-. 

Please respond at your earliest convenience, preferably within the next 14 days. 

If you have any questions, please feel free to contact me directly at 916.231.8912 

or dstiner@sacramento.bbb.org. I will be happy to assist you. 

Thank you, 

Daniel Stiner, Director of Trade Practices 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

FTC-BBB-000567 Stiner Attachment MM - 3
Case 4:18-cv-00806-SBA Document 70-39 Filed 03/05/18 Page 5 of 5 

West Sacramento, CA 95691 

916-443-6843 ext. 212 

dstiner@sacramento.bbb.org 

Start With Trust® 

bbb.org 

On Sun, Apr 2, 2017 at 5:27 AM, Christopher Meier 

<Christopher.Meier@gmlaw.com> wrote: 

Thank you Daniel. 

Chris 

FTC-BBB-000568 Stiner Attachment MM - 4
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 1 of 31 

Stiner Attachment NN 
     

                                  

                        

                     

                        

                                 

                             

                         

                             

                                

                                 

                                 

                       

                         

                                   

                                  

                               

                                

                             

                             

                             

                        

   

                          

                           

                            

                               

                               

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 2 of 31 

---------- Forwarded message ---------- 

From: Christopher Meier <Christopher.Meier@gmlaw.com> 

Date: Fri, May 5, 2017 at 4:54 AM 

Subject: FW: Ameritech Financial 33508.0006 

To: Daniel Stiner <dstiner@sacramento.bbb.org> 

Cc: Elizabeth Nichols <enichols@sacramento.bbb.org>, Robby Birnbaum 

<Robby.Birnbaum@gmlaw.com>, Yarly Franco <Yarly.Franco@gmlaw.com> 

Dear Mr. Stiner,

Thank you for your detailed email. We wish to provide the BBB with a detailed response to

each of the BBB’s inquiries relating to its application for BBB accreditation.

Below are Ameritech’s responses to each of the BBB’s respective inquiries.

1. Attached to this email please find Ameritech’s updated consumer agreement. As you can

see under Section 3 of the agreement (Fees for Services), it states in clear and bolded language

“Ameritech is not the Department of Education nor is it affiliated with the Department of

Education. Rather Ameritech will assist you in submitting the needed documentation in order

for you to potentially qualify for an alternative payment on your federal student loans as

facilitated by the Department of Education. Any fees that you pay to Ameritech will not be

applied to the balance of your federal student loan or otherwise applied as a payment to your

student loans. Rather such fees are paid to Ameritech in exchange for the services it provides to

you.”

2. The definition of family size currently being provided to Ameritech’s customers is as

follows: “Family Size includes you, your spouse, and your children (including unborn children

who will be born during the year for which you state your family size), if the children will

receive the majority of their support from you now. It includes other people that live with you

that receive the majority of their support from you, and they will continue to receive this

support from you for the year that you state your family size. Support includes money, gifts,

loans, housing, food, clothes, car, medical and dental care, and payment of college costs.” As

requested by the BBB attached to this email is Amertech’s revised enrollment script which now

draws more attention to the family size definition both directly before and after such definition

is read. Also attached, and as requested, is Ameritech’s verification script and its supplemental

services script.

3. Thank you for pointing out this practice. Based upon the emails from Ameritech’s staff

members, its now clear that our email to you dated March 17th regarding Ameritech’s

requesting the un‐publishing of BBB complaints was simply inaccurate. That said we want to

assure the BBB that this practice has ceased entirely and that any future BBB complainants will

not be asked by Ameritech or anyone else to un‐publish their BBB complaints for any reason.

Stiner Attachment NN - 1
                               

                         

                               

                              

                         

                                 

                                 

                           

                              

                        

                           

                         

                             

                       

                                

                             

                          

                               

                                  

                         

                             

                             

            

                         

                          

                             

                       

                               

                              

                                

                                   

                           

                             

                               

                       

       

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 3 of 31 

While we understand the BBB’s need to inform the public of its interactions with the companies

it oversees, we none‐the‐less believe the BBB’s documentation of such interactions placed on

Ameritech’s to be excessive as compared to the vast majority of other BBB’s that we have

worked with in the past across numerous industries. See our responses to the BBB’s comments

below.

1. Responsive to the BBB’s concerns, Ameritech provided its revised mailer to the BBB. Such

mailer clearly included the name of the company on it. Why would the BBB note on Ameritech’s

BBB profile that it received a mailer without the company’s name on it when such was received

by the complainant (March 4, 2016) prior to Ameritech’s addressing and correcting the issue

with the BBB? Given these circumstances, the addition of this language relating to the mailer

received subsequent to Ameritech’s revising its language appears to be overly punitive.

2. It appears that Mr. Frere and Ms. Novak did not remove the statement from their

respective email signatures. Such statements have both been removed. Neither Mr. Frere or

Ms. Novak used their email to advertise Ameritech’s services and in fact neither have very

much direct contact with Ameritech’s customers. Regarding Vanessa Gross she enrolled with

the company for its services on February 26, 2016. Ms. Gross’ enrollment occurred prior to the

company’s revising its guarantee language. We do not understand how the BBB can use this

complaint as proof that Ameritech has not been adhering to its amended advertisements.

Regarding Crystal Harp, she states in her complaint that she received a letter from the company

in June 2016. This was a month before Ameritech revised its advertising. With this the BBB is

posting additional derogatory language to the company’s business profile which is based on

advertising that was sent prior to the company’s changing its advertising to address the BBB’s

concerns. The publication of these circumstances to the company’s BBB profile appear to be

excessively punitive in nature.

3. Regarding the complaint of LaDonna Little, based on what she stated, its appears her

servicer directed her to file a BBB complaint against Ameritech. Ameritech and other

companies have found that many of the federal student loan servicers and lenders have been

directing their borrowers to file BBB complaints against their borrowers’ student loan

assistance companies solely due to the fact that they (the servicers or lenders) will lose the

business of the borrower if they obtain relief through the DOE. Ameritech disagrees that it

advised Ms. Little that anyone who received a gift from her qualified as a family member. As

you can see from the context of her complaint this issue was raised by her student loan lender

who also persuaded Ms. Little to file her complaint. Regarding Tim Giffard, Ameritech believes

Mr. Giffard’s statements to be inaccurate. It appears for some reason that Mr. Giffard wanted

to file a complaint against Ameritech at the onset of his contacting the company. Regarding Joy

Banfield, Ameritech did not misrepresent itself, rather Ameritech provided her with the

accurate family size definition.

Stiner Attachment NN - 2
                     

                         

                               

                            

                           

                               

           

                             

                               

                                  

                        

                                     

   

   

-

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 4 of 31 

4. Ameritech disagrees that the complaints filed by consumers Thomas, Gross, Nowlen, Vick

(no payments), Harp, Troutman, Mishigan, and Staplefoote fall into a pattern of complaints

designation. Such is the case because Mr. Thomas, Ms. Gross, Ms. Nowlen, Ms. Harp, Ms.

Toutman, Ms. Mishigan, and Ms. Staplefoote all enrolled for Ameritech’s services prior to the

company’s responding to the BBB concerns and making changes in its procedures in response

to such concerns. Regarding Ms. Vick, such complaint does not appear to fit into the BBB’s

previous pattern of complaints concerns.

We appreciate the BBB’s inviting Ameritech’s input with respect to the language that has been

placed on the company’s BBB profile. As such please find attached to this email the language

edited by Ameritech. All edits have been made in redline so you can see them. We believe

these edits to be fair to both the BBB’s and Ameritech’s objectives.

Upon your review of this email please feel free to reach out to me if you have any further

questions.

Thank You,

Chris Meier

Stiner Attachment NN - 3
 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 5 of 31 

AmeriTech Financial 

Document Preparation and 

Service Agreement 

This Service Agreement is entered into on the date shown below between the AmeriTech Financial 

(“AF”) and the Client shown below (“Client”). 

AF provides processing and support services to assist consumers who are applying for Federal Student 

Loan Consolidation Services, and/or other repayment plan programs available through the Department of 

Education (“DOE”). AF is a private company, not affiliated with any government agency and, for a fee, 

will assist in assembly and submission of student loan consolidation, and/or other repayment plan program 

documents. AF is not a lender or a debt consolidation company. It does not promise to improve your credit 

score. 

Client requests AF to perform, in good faith, the following services, (“the Services”): (a) Review the Client’s 

current Federal Student Loan debt situation, (b) Identify potential Student Loan Consolidation, and/or 

other repayment plan options that may be available to Client from the DOE, (c) Discuss potential options 

with the Client, and (d) Prepare and process, on the Client’s behalf, a Federal Student Loan Consolidation 

Application, and/or other repayment plan program application with the DOE after Client selects desired 

option. To the extent that Client is already in default, AF offers default rehabilitation services for an 

additional fee so that Clients loans are in a position where AF can provide the Services for client. 

Now therefore in consideration of the foregoing and every term, covenant and condition hereafter set 

forth, AF and Client do hereby understand, covenant and agree to the following: 

1. Provide Complete and Truthful Information. AF will provide Client with an overview session 

limited to his/her Federal Student Loan debts to assist the Client in locating options that may be available to 

Client. Client expressly represents and warrants that he/she/they will at all times provide AF with 

information that is complete, accurate and true to the best of their knowledge and belief. 

2. Performance of Services. Upon receipt of all information from Client, AF shall promptly analyze 

Client’s Federal Student Loan debt situation, review the information provided by the Client, and complete 

the application forms required for the DOE program(s) that have been selected by the Client. Upon 

completion of AF’s review and due diligence, AF shall prepare for filing with Client’s lender an 

application to initiate a Federal Student Loan Consolidation, and/or other repayment plan available to 

Client through the DOE on behalf of Client. Where appropriate, AF will assist in applying for preconsolidation forbearance, applying for loan consolidations, submitting post-consolidation documents, 

applying for income-based repayment programs and reapplying for income-based repayment programs. 

3. Fees for Services. Where applicable, charges $400.00 for default rehabilitation. AF collects that fee after 

the default rehabilitation is processed and approved, and Client makes the first payment to Client’s creditor(s). 

That usually takes a couple of months. After rehabilitation is complete, which takes approximately 9 months, 

AF will provide the Services. The cost of the Services is $800 which is comprised of $200.00 as a fee for 

obtaining a forbearance and $600.00 after obtaining approval of a Federal Student Loan 

Consolidation, or any other Department of Education repayment plan option on Client’s behalf and 

first payment has been made. Such fees shall be charged to the Client’s chosen dedicated account as 

specified below upon completion of the respective work. Thereafter, AF will reach out annually to assist 

borrower with any additional student loan repayment plan needs at a cost determined and payable at the 

time services are provided. Ameritech is not the Department of Education nor is it affiliated with the 

Department of Education. Rather Ameritech will assist you in submitting the needed 

documentation in order for you to potentially qualify for an alternative payment on your federal 

student loans as facilitated by the Department of Education. Any fees that you pay to Ameritech 

will not be applied to the balance of your federal student loan or otherwise applied as a payment to 

your student loans. Rather such fees are paid to Ameritech in exchange for the services it provides 

to you. 

Stiner Attachment NN - 4
 

 

 

 

 

 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 6 of 31 

4. Documents Service Agreement and Monthly Cost Authorization. AF will use a third party payment 

processor to debit Client for fees/payments and Client shall pay all processing fees associated with such. 

Client herby authorizes AF to deduct all payments due per this contract from the financial institution listed 

in the accompanying Credit Card/ACH Authorization or such other financial institution that may be used 

by Client from time to time. Further, Client authorizes their financial institution to accept and to charge 

any debit entries initiated by AmeriTech Financial to Client’s account. This authorization for automatic 

withdrawal of fees/payments is to remain in full force and effect until AF has received written notice 

from Client of its termination in such time and such manner as to afford AF a reasonable opportunity 

to act. A fee/payment (whether paid by debit or other means) that is not honored by Client’s financial 

institution for any reason may be subject to a $20.00 service fee imposed by AF (unless otherwise 

limited or prohibited by state law), the amount of which may be debited from Client’s account. 

5. Process. Once paperwork has been received, processing will begin. AF will always act promptly on 

Client’s documents and program. Be advised that Federal Student Loan Consolidations, and other 

repayment plans completed by AF rely on the relevant lenders for prompt service and AF cannot be 

held liable for delayed completion. Average completion of a Federal Student Loan Consolidation 

through the DOE is usually ninety (90) days, but may take longer. AF solely prepares and provides 

documents/applications for Client’s review and approval before it submits such documents to the DOE. 

AF does not control the DOE application review process. 

6. Indemnification and Hold Harmless. Client hereby agrees to defend and hold harmless AF from and 

against any claims and liability of any nature whatsoever arising out of or in connection with Client’s 

failure to timely provide requested information to AF, Client’s lack of authority or ability to complete 

terms of this Agreement, and all other claims arising out of this Agreement or relating to Client’s loans 

and other financial obligations. This Agreement constitutes the entire agreement between the parties. 

AF makes no warranty, express or implied, as to the fitness of any recommendation it may make to Client 

arising out of this Agreement. Except for cause, Client unconditionally waives any right of action against 

AF, its officers, directors, employees, agents, brokers and assignees, at law, equity or any other cause 

of action for any reason, directly, indirectly or proximately believed to arise out of this Agreement, for any 

damages of any nature whatsoever that Client may incur by reason of Client following any 

recommendation of AF or Client’s failure to follow any recommendation of AF, whether any 

singular, concurrent or series of recommendations are acted upon or not acted upon in whole or in part by 

Client. This section shall survive any termination of this Agreement. 

7. Important Limitation on Consumer Rights - Mandatory Arbitration Requirement – Please read 

carefully: In the event of any controversy, claim or dispute between the parties arising out of or 

relating to this agreement or the breach, termination, enforcement, interpretation, conscionability or 

validity thereof, including any determination of the scope or applicability of this agreement to arbitrate, 

shall be determined by arbitration in Sonoma County, California or in the county in which the 

consumer resides, in accordance with the Laws of the State of California for agreements to be made 

in and to be performed in California. The parties agree that the arbitration shall be administered by the 

American Arbitration Association ("AAA") pursuant to its rules and procedures and an arbitrator shall be 

selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA 

code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or 

modification. Judgment on the award made by the arbitrator may be entered in any court having 

jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party 

may petition the circuit court for enforcement. The parties agree that either party may bring claims 

against the other only in his/her or its individual capacity and not as a plaintiff or class member in 

any purported class or representative proceeding. Further, the parties agree that the arbitrator may not 

consolidate proceedings of more than one person's claims, and may not otherwise preside over any form 

of representative or class proceeding. The parties shall share the cost (not attorneys’ fees) of 

arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the 

arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, 

including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. 

Binding Arbitration means that both parties give up the right to a trial by a jury. It also means 

that both parties give up the right to appeal from the arbitrator’s ruling except for a narrow range of 

Stiner Attachment NN - 5
 

 

 

 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 7 of 31 

issues that can or may be appealed. It also means that discovery may be severely limited by the 

arbitrator. This section and the arbitration requirement shall survive any termination. OPT-OUT 

PROCESS: You may choose to opt-out of this Arbitration Provision but only by following the process 

set-forth below. If you do not wish to be subject to this Arbitration Provision, then you must notify us in 

writing within thirty (30) calendar days of the date of this Agreement at the following address: AF, Attn: 

Customer Service, 1101 Investment Blvd Suite 290, El Dorado Hills, CA 95762. Your written notice 

must include your name, address, the date of this Agreement, and a signed statement that you wish to opt 

out of the Arbitration Provision. If you choose to opt out, then your choice will apply only to this 

Agreement. 

8. Entire Agreement. By virtue of Client’s signature below, Client acknowledges that he/she has read, 

understands and agrees to every term, covenant and condition of this Agreement and that he/she has 

received a true and complete copy hereof, effective on the date below. This agreement is the only 

agreement between the parties and there is no other collateral agreement (oral or written) between the 

parties in any manner relating to the subject matter of this agreement. If any portion of this agreement is 

held to be invalid or unenforceable, the remaining provisions will remain in effect. The parties mutually 

understand and agree that a facsimile copy signature or an electronic signature on this agreement shall be 

deemed an original for all lawfully enforceable purposes. 

9. Cancellation Policy. Client may cancel this contract at any time prior to being approved for a 

Federal Student Loan Consolidation, or any other Department of Education repayment plan option 

achieved on Client’s behalf. 

10. Limitations on Damages. AF’s liability under this agreement and/or relating directly or 

indirectly to Client’s participation in the Student Loan Consolidation Program, under any theory of 

liability regarding any claim by the Client is limited to the amount of fees paid by Client to AF. The 

Parties agree to be contractually bound to such limitation on any damages, and agree not to demand or 

attempt to recover any amount in excess of such. This section shall survive termination. 

11. Information Authorization: Client hereby authorizes AF to verify Client’s past and present 

employment earnings records for income verification purposes that are needed to process Client’s 

Federal Student Loan Consolidation, and/or other repayment plan program available to Client. The 

information AF obtains is only to be used in the processing of Client’s application for a Federal Student 

Loan Consolidation or any other repayment plan program through the DOE, and AF does not provide any 

form of credit repair, credit score enhancement, or debt relief. 

12. Legal Authorization Form: This form will serve to acknowledge that Client has authorized AF to 

act on Client’s behalf to apply for consolidation of Client’s Federal Student Loans, and/or other 

repayment plan programs available to Client. Client has been advised that if approved for the Federal 

Student Loan Consolidation, and/or other repayment plan program, Client will receive a sixty (60) day 

furlough before payments will start. If Client has any questions regarding this Federal Student Loan 

Consolidation Program, Client should contact AmeriTech Financial at 1-800-792-8621. 

13. Important Disclosures about the AmeriTech Financial Services. Client may choose to 

complete his/her own consolidation documents based on the applicable federal student loan programs 

and is not obligated to use a third party resource such as AF or pay a service fee. Please note that AF does 

not expressly or impliedly warranty, represent or guarantee that it will be able to reduce Client’s total 

student loan debt or monthly payments. 

 Failure to make timely payments, or non-payment to Client’s creditors will 

adversely affect the credit standing, collection efforts, and may incur more fees 

and interest. 

 If Client utilizes a Dedicated Account to save funds towards program fees, Client 

owns the funds in the account; Client may withdraw from AF’s service at any 

time without penalty; and if Client withdraws from AF’s service, he or she will 

Stiner Attachment NN - 6
 

 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 8 of 31 

get all the money in the account other than fees earned in compliance with the 

TSR. 

14. Dedicated Savings Account: Client understands that Client is solely in control of all savings funds 

for the purpose of paying the fees due for the services that AF is contracting to perform. Client will 

designate an account for program savings funds and such dedicated account is independent from AF. 

Client selects: 

FDIC Insured Bank thru Global Clients Solutions 

Another account of Member’s choosing 

Payment Information 

BY SIGNING BELOW (ELECTRONICALLY OR PHYSICALLY), I HEREBY ACKNOWLEDGE 

THAT I HAVE NOT BEEN ADVISED BY AMERITECH FINANCIAL, ANY OF ITS 

AGENTS, AND/OR AFFILIATES TO FOREGO A STUDENT LOAN PAYMENT IN 

EXCHANGE FOR THE GOOD FAITH PAYMENT AND FEDERAL STUDENT LOAN 

CONSOLIDATION PROGRAM. DURING THIS PROCESS, I AM RESPONSIBLE FOR 

MAKING MY PAYMENTS, AND FAILURE TO DO SO COULD DISQUALIFY ME/US 

FROM OBTAINING THE SERVICE THAT WAS AGREED UPON. I UNDERSTAND THAT I 

CAN APPLY ON MY OWN TO CONSOLIDATE MY LOANS WITHOUT THE 

ASSISTANCE OF AMERITECH FINANCIAL. I FURTHER ACKNOWLEDGE THAT NO 

GUARANTEES CONCERNING THE SUCCESS OF THE LOAN CONSOLIDATION HAVE 

BEEN PROVIDED TO ME/US BY AMERITECH FINANCIAL, AND/OR ANY OF ITS AGENTS, 

AND/OR AFFILIATES AND A POSITIVE OUTCOME IS NOT GUARANTEED. I, THE 

CONSUMER, HAVE BEEN EXPLAINED THE PROGRAM IN FULL AND TO MY SATISFACTION. 

ACKNOWLEDGMENT 

As indicated by my signature below, I acknowledge that I have read, understand and agree to the terms 

and conditions of the Document Preparation and Service Agreement. 

Client Name: Executed On this Date: 

Client Signature: Date of Birth: 

Driver License Number: Social Security Number: 

For: AmeriTech Financial (“AF”) 

By: Thomas Knickerbocker 

Title: Administrative Representative 

Stiner Attachment NN - 7
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 9 of 31 

Enrollment Specialist Script 

20160429 

SECTION 1: Qualification Questions 

This is _________ at AmeriTech Financial, how may I help you? 

Ok. There should be an account or reference number on there, starting with STLN. What is that 

number? 

Find Client on Sales Force, change ownership, save phone number from Five9 

I show your address as _____________ 

And to confirm, your phone number is coming up as ______. Is that the best contact number for 

you? Is that a cell or home phone? 

The reason you received the letter is because you may be eligible for federal student loan 

repayment programs that may reduce your payments. 

These repayment plans are designed to make your student loan debt more manageable by 

reducing your monthly payment. After making a series of “Qualified Payments” (for either 10 or 

25 years, depending on the program) any remaining balance may be eligible for forgiveness by 

the Department of Education. My company, AmeriTech Financial assists consumers who are 

overwhelmed with reviewing or do not have time to review certain government programs that 

may lower your monthly student loan payments depending on your income, occupation and 

people that you support. While consumers can certainly try navigating the application process on 

their own, with our experience having assisted thousands of consumers, we have systems in 

place that make the process fast and efficient. We work with you and prepare the application 

package that we submit to the Department of Education on your behalf. 

In a few moments, I will be able to log into the Federal Database to confirm the types of loans 

you have and the loan amounts, but for the sake of time, let me ask you a few questions to 

determine if you might qualify. 

Do you know how much you have in outstanding balances on your student loans? 

(If Yes) What is your total loan balance? 

(If No) That is okay, we will be able to look it up. 

Are they Federal or Private Loans? 

(If Don’t Know) Generally speaking, if you went through the school system to obtain 

your loans they are more likely Federal. Most people know when they have private loans 

because they had to go out of their way to obtain them. 

Are you current on the payments? 

Page 1 of 11 

Stiner Attachment NN - 8
 

 

 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 10 of 31 

Enrollment Specialist Script 20160408 

(If NO) When was your last payment made? 

If the client states they are behind by more than two months. Skip straight to 

FSA to check loans. 

Are they set up on automatic draft? 

What is your current monthly payment? 

Are you working right now? 

What do you do for a living? 

Who do you work for? 

What is the name of the company you work for? (Is it a private company, or non-profit?) 

Are you working full time? 

What is your annual income? 

Are you married or single? 

The last thing we need is to go over family size. Family size is not necessarily the same thing as 

what you claim as dependents on your tax return. It is a figure that basically covers the number 

of people who you provide the majority of their support. If they are not your spouse or children, 

they must live with you. Again, family size is not limited only to just dependents. I am going to 

read you the definition of family size and its very important that you pay attention to it: 

“Family size includes you, your spouse, and your children (including unborn 

children who will be born during the year for which you state your family size), if 

the children will receive the majority of their support from you now. It includes 

other people that live with you that receive the majority of their support from you, 

and they will continue to receive this support from you for the year that you state 

your family size. Support includes money, gifts, loans, housing, food, clothes, car, 

medical and dental care, and payment of college costs.” 

If you did not catch that please let me know and I will read it to you again. I say this 

because its very important that you understand the definition of family size before we go 

forward. 

Based on that, do you have any children that you provide the majority of support to? 

Aside from children (and spouse, if married), do you have any other people who should be 

included in your family size who live with you and receive the majority of their support from 

you? 

Ok, so the total we have is ________ (make sure this matches in SF). 

Page 2 of 11 

Stiner Attachment NN - 9
 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 11 of 31 

Enrollment Specialist Script 20160408 

Okay, that’s everything I need to be able to put your quote together. I am going to put you on 

hold for a few minutes. While you are on hold, please grab something to write on and something 

to write with. When I come back I will hopefully have some figures for you to write down. 

PLACE ON HOLD 

Complete all T-Quote Figures 

SECTION 2: Proposed Program 

Thank you for holding. I was able to get the numbers back from the Department of Education’s 

website. Were you able to get something to write on? 

Based on the information you provided regarding your stated income and family size, the system 

came back with the following programs you may qualify for. What I want to do is to have you 

write down some numbers and then go over them with you. And then I will explain about how 

the programs work and what is involved. 

First thing, on your piece of paper, I want you to write down my direct phone number, _______. 

Now, draw a line down the middle. On the left side, at the top, write ‘Current’. 

Under that go ahead and write down $ ________ (Current Payment). 

Lastly, write down $ ________ (Total Current Program Payments, lifetime). 

Now on the right side, at the top, write down ‘Proposed’ 

Under that, write $ ________ (DocPrep payment), and next to that write ________ 

(#DocPrepPackageMonths) 

Next, under that, write $ ________ (#New Proposed Payment, based on what consumer 

provided). 

Next, write down $ ________ (Proposed Program Total Payments) 

Lastly, on the right side write down $ ________ (Total Proposed Savings) 

Alright, now that we have all that written down, let me go through and explain what these 

numbers mean. 

On the left side is your current situation. Based on the loan amount of $ ________ that you gave 

to me, your current payment is $ ________ (Current Payment). Using the remaining term you 

have left on your loan(s), you be required to pay a total of $ ________ (Current Payments, 

Lifetime) over the next _______ years (Current Remaining Years). 

Page 3 of 11 

Stiner Attachment NN - 10
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 12 of 31 

Enrollment Specialist Script 20160408 

Now on the right side is the proposed program that the system came back with based on the 

information you gave me. (if your income, expenses or family size are different from what you 

stated, that will affect the numbers). We would still need to complete the application for 

submission, however, based on the estimated calculations you MAY qualify for what you see on 

the right side. You will be paying $ ______ (PackagePayment) for ______ 

(#MonthsofPackagePayment), which covers our doc prep service for the application to enroll 

into the federal loan program. The funds we receive will be kept in your dedicated account while 

we work on your application to get your programs set up through the DOE. Our system shows 

that, if approved, the total monthly estimate for your loan repayment that you would pay directly 

to ______ would be $ ________ (Proposed Program Monthly Payment). If you multiply that 

monthly amount by 12, you will be paying approximately ________ this year. (Again, I say 

estimated or approximated because it is based on the numbers that you have provided over the 

phone concerning your income and family size. Sometimes a customer realizes later that they 

have less family members or more income and that affects what their monthly loan payments 

ultimately are.). Now, if we multiply that total annual sum and multiply it by ______ years that 

would be required to be in the program, your total estimated lifetime payments on the loan would 

be ________. 

Lastly, if I add AmeriTech Financial’s fee of $________ to the estimated proposed new program 

payments, and we subtract that total Proposed amount from your Current total loan payment 

amount, it gives us $ ____________ 

($TotalProgram - $TotalCurrent). Write that down 

You can circle that, write SAVE next to that. That is the best estimate right now of what you 

could be saving. As noted previously, if you are in an IBR program, you must recertify your 

income and family size each year which can change your monthly payments. So there is no way 

of actually knowing what you will be required to pay in, say, 5 years since you could receive a 

substantial raise or take a job that pays much less. 

Please note that while you will be paying AmeriTech Financial the document preparation fee, 

once your are in a new loan program, you are responsible for paying the servicer directly. 

(PAUSE, and/or ask ‘Looks like you would benefit by being in the program.’) 

SECTION 3: Budget 

Alright, the next part of the application is the Budget. For this budget, everything is stated and 

you must show at least a partial financial hardship caused by your student loan debt in order to 

qualify. 

Fill in all Budget Items in Sales Force. 

What is your rent/mortgage payment? 

(If Mortgage) How much do you think you currently owe on your mortgage? 

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Enrollment Specialist Script 20160408 

How much is the electric bill? 

Do you have natural gas or propane? 

How much is your cell phone bill? 

For food, how much do you pay for groceries each month? 

What about car payment – do you have a car payment? 

(If Car Payment) How much do you still owe on the car? 

What do you spend for gas and maintenance each month? 

What about car insurance? 

(Enter Current Student Loan Payment) 

Do you have any credit cards you pay monthly on? How much do you pay per month? 

What is your approximate balance you owe on the card(s)? 

What about personal care – haircuts, nails, gym membership? 

Next is entertainment, which can also include your cable and internet bill, as well as going out to 

dinner or to movies. How much would you say that you spend? 

Anything else you pay for that you want included in the expenses, like medical costs, daycare, or 

any other loans you are paying on? 

That completes the Budget portion. 

SECTION 4: FSA & Loan Servicer Portals 

The next step is to verify that your loans are eligible. We do this by verifying your loans through 

the Federal Student Aid database. 

For this part I will need you to have access to your email and the internet. I will be sending you 

two e-mails, that you just need to pull up on your phone, tablet, or on a computer. First is my 

company and contact information, please take a moment to review this information. The second 

email is an electronic form that provides permission for us to review your information online. 

We use a third-party secure document signing service, called DocuSign. They will email you a 

copy of the forms when we are done. 

What is the best email address to use, that you have access to right now? 

Okay, I am sending you the first one now. Go ahead and pull up your email and confirm that you 

have received it. You should see a link for our company information in it, so you can check that 

out later. 

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Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 14 of 31 

Enrollment Specialist Script 20160408 

Good. Now I am sending you the second one. This one is titled “Documents for your Docusign 

Signature”, and it will be from me via Docusign. Open it up and in the middle you will see a 

yellow box that says ‘Review Documents’. Click on that link and a webpage should open up. 

Check the box that says ‘I agree to electronic records and signatures’ and then click on 

‘Continue’. The first page will then appear, and you can scroll through and review that document 

and when you are ready, click on ‘Start’ or ‘Next’ at the top, then click ‘Sign’ with the red arrow, 

at the bottom. [describe that they are signing and what the agreement means] It will show you a 

digital signature, which you can change the font, draw a new one, or leave it like that. Once done 

and you agree, click on ‘Adopt and Sign’ at the bottom of that window. When ready, click 

‘Finish’ at the bottom of the page. Then you will see a pop-up, where DocuSign is asking if you 

want to create an account. You can just close that window or hit ‘No Thanks’. DocuSign will 

email you the completed forms anyway. 

(Check your inbox for confirmation email) 

Okay, looks like that part is complete. What is your date of birth? 

And your social security number? 

Do you know if you set up an account on the FSA site already? 

(If Yes) What is your user name and password? 

(Log in, then pull up the security questions from their profile) 

I see here that you created the following security questions.... 

For the first one (read off question), what is the answer, so I can document it in 

the system? 

(Repeat for all three) 

(If No) Okay, I will get that set up for you. 

There are security questions that we must also set up, just in case you need to 

access it and forgot your password. 

OK, you should have two e-mails from studentloans.gov 

Ok, bear with me while I double check your loan amounts and details on the federal database. 

Next we need to cross reference your loan servicer to make sure the amounts match up. Have 

you ever set up an online account with loan servicer? If so, do you remember your user name and 

password?

 (If Yes – Complete section in SF) 

(If No) No problem, let’s set this up now. 

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Enrollment Specialist Script 20160408 

SECTION 5: Application Info 

What is the name of the employer that issues your paycheck? 

And what is the full address and phone number of the location where you work? 

(If they do not know, search online for the business name/address) 

What State was your Driver’s License issued? 

What is your Driver’s License Number? 

(IF MARRIED) 

What is your Spouse’s name? 

The name of your spouse’s employer and their work number. 

Spouse’s DOB. 

And your spouse’s SSN. 

Next, we need 2 references for your file. Your references can be anyone who does not live with 

you or with each other, and it cannot be co-workers or general acquaintances. We will need a 

Full Name, Address, Phone Number, and your Relationship. (Enter Both References into SF) 

Next is setting up the payment for our services. We charge ____, but we don’t actually collect 

our fees until we have completed our services for you and you make your first payment in the 

program. We do require that you set up a bank account in your own name in which you regularly 

deposit funds to be used to pay AmeriTech Financial’s fees. You’ll have complete control over 

these funds until AmeriTech Financial completes its services for you upon which time such fees 

will be paid to AmeriTech Financial. We recommend using Global Client Solutions, but you can 

work with a similar third party. On that piece of paper you wrote down those numbers on, write 

down your payment date as _________, so you don’t forget. 

Global Client Solutions uses electronic payments that are auto drafted from an active checking 

/savings account. Do you want that coming out of your checking or savings account? 

SECTION 6: Contract 

Ok, give me just a minute while I double check the documents before I e-mail them. This will be 

the same process as I went through before when you got the email from DocuSign. 

Open the email from me, and click the link at the bottom that says ‘Review Documents’. Let me 

know when you see the webpage with the documents. 

Just like before you will have to check the box that says “I consent to electronic records and 

signatures”. Then click ‘continue’ and the first page should load on the screen. 

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Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 16 of 31 

Enrollment Specialist Script 20160408 

I would like to go through and explain the different sections that most people have questions 

about, and also have you review them for accuracy. Then once we are done going through it, I 

will have you apply an electronic signature to the forms. 

Required Documents and Instructions 

Pages one and two are the “Required Documents and Instructions,” which lists the 

documents you will be required to print, sign and return to us. 

After the signing process you will receive multiple PDF’s in your email. To make things 

easy, all of the forms that need your attention are contained in one PDF labeled 

“Required Documents.” 

PSLF Forms (If PSLF) 

These are the first two pages of Federal Forms that you will need to print out. You will 

sign the first page and your HR department fills out page 2. These are the only forms that 

are not time sensitive. All other documents need to be sent back to Ameritech ASAP, 

these can be sent in as late as 6 months from now. 

These first two pages are Federal Forms that are used if you are working in the public 

services sector. [if the forms do not apply to the situation, state the following] You can 

ignore these forms for now as they do not apply to your situation. 

IBR/ICR/PAYEE Forms 

Next are the Federal Forms used by the Department of Education. 

Administrative Forbearance Request 

We don’t want you making double payments so we put your loan(s) into an 

administrative hold while we do the necessary work to complete your program 

enrollment. Please note that while you do not have to make payments while in 

forbearance, interest still accrues. I would suggest getting this particular document back 

to us today or tomorrow. If you don’t your servicer may contact, you regarding payment. 

If they do contact you, just let us know and we will reach out to them on your behalf. Just 

keep in mind they are a debt collector and will try to use scare tactics and that’s ok that’s 

what debt collectors do. We work for you and they work for the big banks. Okay? 

Ameritech Financial Details Page 

This page states that you are working with us and we are in charge of properly preparing 

your documents. 

Ameritech Financial Doc Prep and Service Agreement (The Blue Page) 

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Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 17 of 31 

Enrollment Specialist Script 20160408 

This page reiterates the basic information I gathered. Please go through each section and 

make sure that everything is accurately entered. Let me know if you have any questions 

as you go along. 

Privacy Policy 

The next two pages are the privacy policy which states that we do not share your 

information, and it’s not used for any purpose other than what we discussed here today. 

The only third parties we will directly work with on your behalf are the DOE and your 

loan servicer. 

Notice of Cancellation 

Client this program is “at will” so anytime you wish to go back to a standard repayment 

program that is entirely up to you. As for cancelling our program, we offer a full fee 

refund pursuant to applicable law at any time up through us having earned our fee, which 

is described in your agreement and when you get your result. 

Complaint Policy 

Client, this next page is titled complaint policy. The page is intended to provide you, in 

writing, all the methods you have available to reach us should you need to. 

Limited Power of Attorney 

This is a standard form that allows us to work on your behalf with the DOE and your loan 

servicer. 

Statement of Income 

Simply a statement of income. 

Notice of Cancellation -2nd Set 

Because of a very, very old law regarding membership agreements, we’re required to 

provide two sets of the cancellation forms. One for your records and one for ours. 

Ameritech Financial Document Preparation and Service Agreement 

This page is similar to the pages above that we scrolled past. These disclosures are 

regarding the document preparation services. 

Global Client Solutions 

This page is going to show the draft amounts for the program, and the dates they will 

draft from your account. Global Client Solutions is the name of the company the program 

uses to manage your payments for our fees and for those of FEBC. They will be sending 

you a welcome packet in the mail after you enroll. 

At this time, I would like go over the itemized summary of the fee structure. Beginning on 

______ (first payment date) payment will be debited and placed into the separate bank account in 

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Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 18 of 31 

Enrollment Specialist Script 20160408 

your name that you control in the amount of $ _______ (package). That sum will continue to be 

debited on a monthly basis for ________ months (package months). The document preparation 

fee is $800.00 total but we do not actually collect the money from your bank account until we 

have provided our contracted for services to you. 

Once we get you set up with a new loan payment program, your expected monthly loan 

payments will be approximately $ _______ (IBR/ICR) which you will pay directly to your loan 

servicer. 

[FEBCP] 

Again, our verification department is going to itemize the total costs 

(Walk client through signing process) 

Ok, we’re ready to sign. Click next, or start, or any yellow sign here tab. 

Like last time, choose a signature and click “adopt and sign”. Sign each tab until you see the 

option for “finish” and then “confirm signing.” You will receive your copy of the documents via 

e mail as soon as you sign. You will see that pop-up, like last time. Go ahead and close that 

window. Again, the completed documents will be sent to your email automatically. 

SECTION 7: Referral 

Lastly, here at Ameritech our vision is to provide 100% client satisfaction. When we provide that 

level of service typically what happens is that people tell their friends and family who also need 

help with their student loan situation. 

A lot of the people that I help come to me from referrals of past clients I have helped. In fact, we 

have set up an official referral program to give back to those people who share our efforts with 

others. There are a lot of people out there with student loans and not everyone understands that 

there are resources available like the ones we offer. 

The way the referral program works is that you will have online access to sharing information 

about our company via social media, emails, and even postcards. Then for every person you send 

to me that I am able to help enroll, you will receive a $25 credit on a Tango Rewards card, which 

is good at stores and restaurants, as well as online companies like Amazon, iTunes, and Google 

Play. There is also an option to take the funds you receive and donate it to one of fifteen different 

charities that we have set up relationships with. If you choose to donate, Ameritech Financial 

will match your donation dollar for dollar, without a limit. We don’t just want to help people 

who are burdened by student loans, but also charities helping people around the world. 

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Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 19 of 31 

Enrollment Specialist Script 20160408 

The first step is to get your account created online... (Referral Account Creation Steps) 

STEP 8: Transfer to Verification 

Alright, we are all done with the application process. The last step, as I mentioned, is the 

verification. The purpose of the verification is to confirm that you understand how the proposed 

program works, the payments that you will be making, and the date for such payments. You can 

think of this department almost like underwriters who will look through the file to find any errors 

so we can fix them before the file gets submitted. They will be going through a script and 

checking boxes, and it is very important that everything is correct in the application. 

As they go through this, please just respond with a Yes or Correct if the item is accurate. They 

are not allowed to answer any questions, so if you have any questions, you have my phone 

number – call me as soon as the verification is completed and we can go over it again. I know we 

have gone through a lot since we started talking, and you may think of questions after this is over 

– so just call me and I can go through it with you. And I suggest you keep that page with the 

numbers and my phone number and put it somewhere safe. Also, we do have a customer service 

department that can help you with your file, but you can always call me as well. And of course, if 

you know of anyone who has student loans and could use help, make sure to give them my 

number. 

Any questions for me before I get you over to verification? 

Okay, please hold on for a few minutes while I get a verification representative on the line. 

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-

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 20 of 31 

FEBCP Enrollment Script 

20160429 

(Contract) 

At this point in the process, I would like to explain an additional program most of our customers 

take part in. It is an amazing optional benefit that helps many of our customers succeed in their 

long-term financial goals! It’s called The Financial Education Benefits Center Program. The 

program we are helping you prepare for regarding your student loans will make a big impact on 

your long term finances, but it is also important to ensure that you are taking the right steps. 

As you will see in this portion of the documents, the Financial Education Benefits Center 

Program includes a Financial Education kit, as well as additional benefits. FEBCP has partnered 

with Life Lock Identity Theft Protection, emergency road side assistance, basic income tax 

preparation and many other financial discounts and tools. 

All of these services will only cost $_______ While you can chose any provider for these 

services, and would likely have to go hunt down a separate company to give you each- what a 

hassle!- we have already done the work for you and bring these to you all at once, so your 

decision is easy. You can cancel anytime, and there is never any obligation to continue these 

services while you get your student loan programs done. 

I will set you up with a log in and password that will allow you access, while enrolled, to these 

benefits. After we get everything set up make sure that you log in and look through the different 

programs available and get set up in order to take advantage of them. 

(Set up) 

Now I am going to send you that registration email for the Financial Education Benefits Center 

membership program.

 (Build FEBCP Portal and send FEBC email with user name and password from using 

their email and password from FSA information.) 

You should have an e-mail from me. Go to FEBCP.com, and let me know when you see a Login 

screen. 

If you’d like to take advantage of the program, in the first box at the top, enter the passphrase 

provided in your email, and click Submit. 

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Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 21 of 31 

Fill out the User Registration information, and click Register. As I mentioned earlier, I suggest 

that in the next couple of days that you log back in and check out the benefits available. A lot of 

people use the things like the road side assistance, the tax prep service, the credit repair program, 

as well as the financial education and budgeting tools. And of course we suggest that each person 

register with Life Lock through your FEBCP account, so you can make sure you have solid 

identity theft protection in place. 

Stiner Attachment NN - 20
         

       

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 22 of 31 

Client Name: {{LEAD_NAME}} Rep Name:{{USER_FIRSTNAME}}

AmeriTech Financial Student Loan Verification

Hello my name is (your name), today’s date is {{Today}} and I will be recording this call to confirm and 

verify your enrollment with AmeriTech Financial, as well as activate the necessary accounts to obtain 

access to your student loan information, so please answer all my questions with a clear YES or Correct if 

they are accurate. 

In case we get disconnected please verify your contact phone #. The number I have on file for you is 

{{LEAD_PHONE}}. Is that correct? Do you have any alternate numbers where you can also be reached 

? 

Great! If you should have any questions regarding the information we cover, it is my job to simply transfer 

you back to your representative for further clarification. 

First, do you consent to this call being recorded or monitored? (YES) 

Next, Ameritech Financial will need to periodically reach out to you in order to keep your file up to date and 

on track. To reach you most efficiently, we would use an autodialer, pre-precorded message or text message. 

Your agreement to being contacted this way does not require you to purchase anything and standard message 

rates may apply. Is that OK? <If YES, no action required. If NO, select “SMS Opt Out” field in the Lead 

record> 

FEBCP and Web Portal: 

Ok, for this first part, you’ll need access to a computer. Do you have access to one? 

- [Yes] 

- [ACCESSING FEBCP.COM] 

-

Did your representative sign you up for the separate Financial Education Benefits Center membership 

program? 

- -[Yes] 

-OK, that’s great. 

Next, I want to show you where you can access the Financial Education Benefits Center as well as a 

copy of the Student Loan Financial Education Kit. Go to FEBCP.com, and let me know when you see 

a Login screen. [WAIT FOR THEM TO GET THERE] In the first box at the top, enter the 

passphrase XXXXXXXX, and click Submit. Fill out the User Registration information, and click Submit 

at the bottom. After you click submit, you’ll receive an email confirmation of registration. [WAIT]. 

Stiner Attachment NN - 21
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 23 of 31 

Great! The next step is to collect your login information to access the online web portal available through 

your servicer(s). Please confirm that you have signed up for our document preparation services today. 

- [Yes] 

Great! Information regarding the status of your account is readily available through the web portal, so we 

will check this information from time to time to ensure that you are on track with processing of your 

documents. Having this information on hand will allow us to expedite your file as quickly as possible. The 

username is usually your email address. Do you happen to know this login information? 

- [Yes] 

Great! What is the username and password associated with the account? (Enter the website, username, 

password, and any other necessary info on the vault sheet and in Salesforce.) 

- [No] 

Not a problem. Have you set up an online account before, or do we need to need to set up a new one for 

you? 

- [Already set up, forgot username/password] 

OK, so what I’m going to do is initiate the “Forgot Username/Password” prompt on the servicer website. 

While I’m doing this, go ahead and log into your email, since you will most likely be getting an email from 

your servicer confirming the missing information. I may also need confirmation on some security 

questions while we reset this information. (Go through reset prompt, write any important information 

down on vault sheet, including passwords, security questions, etc.) 

- [Haven’t set up an account yet] 

OK, so what I’m going to do is set up an account for you, using your email address and a password. Give 

me one moment while I begin the process. Once we’re finished, you may receive an email with a 

confirmation link, so make sure you click that confirmation to activate your account. (Start the new 

account setup. Make the user ID the customer’s email address, and make the password something 

you both remember. Repeat the password to the customer so they know it. Any relevant 

information i.e. Security questions, passwords, etc, should be entered onto the vault sheet.) 

OK, we’re almost done with the account creation part of your Verification. With this portion of the process 

you’ll need access to your email and an internet connection. I’m going to set up your account for the 

AmeriTech Financial referral program and quickly show you how to access it and use it. I’ll be using the email 

address {{LEAD_EMAIL}}, and I’ll just need a password from you (Request password from them, or use 

one of the passwords from FSA or Web Portals) 

OK great, give me just a moment to complete the enrollment process. 

(Fill out form on refer.ameritechfinancial.com, click Register) 

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Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 24 of 31 

You should have an email in your inbox confirming the creation of your account. Click on the icon in the 

email that says Confirm Email. If you don’t see the button, you can also click “Claim Account Page.” Once 

the page loads, click Confirm Email. You should now be on the login page. Enter your email 

{{LEAD_EMAIL}} and the password we just set up. Let me know when you’ve logged in successfully and 

I’ll show you how you can start earning rewards. 

OK! Everything you need to get started is here on this page. I’ll show you how easy it is. Do you have a 

Facebook account? 

[YES] Go ahead and click the Post to Facebook link. You’ll have to click it on the left, then the blue button on 

the right. You might be asked to enter your Facebook login info in a popup window. Once you’re in, click Post 

to Facebook. Let me know when you’ve posted and I’ll show you how to track the status of your referrals. 

[NO] OK, well from what you can see, you also have the ability to post to Twitter or LinkedIn, send an email 

blast, or refer someone directly. 

You can track the status of all of your referrals at the top of the page by clicking “My Account.” Our most 

successful clients typically try to share once per week, and have earned hundreds of dollars in credit. 

Great! Now we’re going to move on to your enrollment verification. For this next part, you will need to have 

your bank routing and account number readily available, as well as your driver’s license or ID card. Do 

you have that information at this time? [YES / NO] [IF No, have the client get it] 

I am speaking with {{LEAD_FIRSTNAME}} {{LEAD_LASTNAME}} correct? And that is 

spelled . correct? 

[If Female] Do you have a former last name? (Y/N) [If Yes] What is the name ? [Make note] 

Okay, And your address is {{LEAD_FULLADDRESS}}. correct? And that is spelled . 

correct? 

And your date of birth is {{LEAD_DATEOFBIRTH \@ MM/dd/yy }}. correct? And your Social Security # 

is {{LEAD_SSN1}}-{{LEAD_SSN2}}-{{LEAD_SSN3}}. correct? 

And I have listed here that your current employer is {{LEAD_EMPLOYER_NAME}}. correct? And your 

occupation is {{LEAD_OCCUPATION}}. correct? 

And just to confirm - I see that your current adjusted gross income is {{LEAD_ANNUALINCOME}}. 

correct? 

(IF “TAX RETURN” ISN’T SELECTED IN THE “INCOME VERIFICATION” FIELD) 

I see that your income has changed since your last tax filing status, and you will be submitting a 

{{LEAD_INCOME_VERIFICATION}} as proof of your updated income, correct? 

And you Driver’s License or ID card state and number is {{LEAD_DL_ID_Number_State}}. correct? 

Stiner Attachment NN - 23
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 25 of 31 

And just to confirm I see here that your certified family size is 

{{LEAD_CLIENTSTATEDFAMILYSIZE}}. correct? 

And to verify you have provided us with the appropriate FSA ID and Password, I have your FSA Username 

listed as {{LEAD_FSA_ID}} and your FSA password listed as {{LEAD_FSA_ID_PASSWORD}}. Is that 

correct? 

Great! And you were informed and understand the purpose of this call is to confirm your acceptance of the 

Financial Analysis and Evaluation that you received, [Optional: If Opt-in] the Financial Education Benefits 

Center Program Enrollment, and the AmeriTech Student Loan Document Preparation Service Agreement. Is 

that correct? 

And the email address that you are using today to submit your application is {{LEAD_EMAIL}} Is that 

correct? 

I see that your total estimated federal student loan debt amount being processed is 

${{LEAD_ESTIMATED_TOTAL_FEDERAL_LOAN_BALANCE}}. Is that correct? 

O.K, And just so you’re aware - the following payment information we are about to discuss is an itemized 

summary of what you were quoted during your consultation with your Account Specialist. 

And Just to sum up - You understand that your Total Estimated Monthly Payment explained to you by your 

Account Specialist will be ${{LEAD_MMB_IBR_ICR_TOTAL}} Of which you will pay 

${{LEAD_IBR_ICR_TOTAL}} directly to your student loan service provider as your new qualified 

monthly payment, and seperately ${{LEAD MONTHLY MEMBERSHIP}} for the Financial Education 

Benefits Center Monthly Member Benefits Center program that you optionally enrolled into from your 

checking account ending in {{LEAD_ACCOUNTNUMBER}}. Is that correct? 

And for your monthly member beneftis program payments your banks name as it appears is 

{{LEAD_BANKNAME}}. Is that correct? 

*And I have your bank routing number as {{LEAD ROUTING NUMBER}} Is that correct? 

*And your bank account number as {{LEAD_ACCOUNTNUMBER}}. Is that correct? 

Great! And you were informed by your Account Specialist that part of this verification is to confirm your 

acceptance of the Financial Analysis & Evaluation you received and the optional Financial Education 

Benefits Center Program Enrollment services to be charged as follows: 

Stiner Attachment NN - 24
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 26 of 31 

a ${{LEAD_ENROLLMENT_FEE}} enrollment fee that is scheduled to be drafted on 

{{LEAD_FIRSTPAYMENTDATE \@ MM/dd/yy }}, then payments of 

${{LEAD_MONTHLY_MEMBERSHIP}} per month also beginning on {{LEAD_FIRSTPAYMENTDATE 

\@ MM/dd/yy }} from your {{LEAD_ACCOUNTTYPE}} account ending in 

{LEAD_ACCOUNTNUMBER}}. Is that correct? 

Great! You were also informed by your Account Specialist that this verification is to confirm your 

acceptance of the AmeriTech Financial - Student Loan Document Preparation Service Agreement in the 

amount of $800 and this amount is scheduled to be charged as follows: 

(IF NEXT VALUE IS $0, SKIP TO NEXT LINE) 

${{LEAD_AMERITECH_MONTH_1_DOC_PREP_FEE_8}} is scheduled to be drafted on 

{{LEAD_FIRSTPAYMENTDATE \@ MM/dd/yy }}, 

(IF NEXT VALUE IS $0, SKIP TO NEXT LINE) a payment of 

${{LEAD_AMERITECH_MONTH_2_DOC PREP FEE_8}} is scheduled to be drafted on 

{{LEAD_SECOND_PAYMENT_DATE \@ MM/dd/yy }} and continuing for 

{{LEAD_AMERITECH_DOC_PREP_DURATION_MONTHS}} additional months----

---Also from your {{LEAD_ACCOUNTTYPE}} account. Is that correct? 

Finally, you understand that Global Clients Solutions, on behalf of AmeriTech Financial, will perform a 

draft of ${{LEAD_IBR_ICR_TOTAL}} on {{LEAD_FIRSTPAYMENTDATE}} to cover your first 

payment into its document preparation program. Is that correct? 

And you understand that the charges we just discussed are not for any-other product or service nor will any 

portion of these amounts be disbursed to any of your creditors or your student loan service provider. Is that 

correct? 

And you were informed and understand that you will be required to provide AMERITECH FINANCIAL with 

a copy of your most recently filed tax return and most current paystubs and all documents should be emailed 

to: Income.doc@ameritechfinancial.com , Is that correct? 

And just to confirm, I see that your current tax filing status is {{LEAD_TAXES_FILED}}. Is that correct? 

And you confirm that the loans you have represented to AMERITECH FINANCIAL are all federally backed 

by the U.S Department of Education and you have been advised that we will not be applying for loan 

programs for any private student loans you may have. Is that correct? 

OK great, and just to confirm your loan status I see there that your loans are 

{{LEAD_LOAN_STATUS}}. Is that correct? 

And you are aware that AMERITECH FINANCIAL is a private company assisting you in completing an 

application for one or multiple different government backed, monitored and regulated federal student loan 

assistance programs through the U.S Department of Education which will help you to modify your current 

loan situation so you may receive the maximum benefit available to you under federal regulation and 

guidelines. Is that correct? 

And you were informed and understand that AMERITECH FINANCIAL does not directly assist you in 

obtaining credit, a loan, or improving your credit rating. Is that correct? 

Stiner Attachment NN - 25
 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 27 of 31 

And you were also informed and understand that AMERITECH FINANCIAL is not a credit repair service 

organization, a consumer credit counseling agency, a debt settlement company, a licensed real estate agency, 

a law firm, your tax advisor, your student loan service provider, a government agency, or affiliated with any 

such companies, individuals or agencies. Is that correct? 

And you were informed that AMERITECH FINANCIAL is not responsible for, and will never collect any 

of your funds in order to make payments directly to any of your lenders, and that AMERITECH 

FINANCIAL will never make payments or advance money for any purpose on your behalf, WITH THE 

EXCEPTION OF THE FIRST PAYMENT TO YOUR LOAN SERVICER . Is that correct? 

And you acknowledge that you received electronically a copy of your receipt, agreements and privacy policy 

from AmeriTech Financial. Is that correct? 

Okay , Importantly - you were informed and understand that AMERITECH FINANCIAL will be 

communicating with you via email and telephone regarding information we may need to further process your 

file or update your account. Is that correct? 

Great! Do you accept this agreement? Yes 

Lastly and most importantly, from this point moving forward we ask you to please direct any questions or 

inquiries regarding your account to our Customer Service Department. 

As a valued client, their role is to serve your every need and provide you with superior client satisfaction. 

They are available to assist you Monday - Friday from 8 am to 5 pm Pacific Standard Time and can be reached 

at 1-800-792-8621 extension 0, or via email at: customer.service@ameritechfinancial.com 

Stiner Attachment NN - 26
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 28 of 31 

[YES] – Select YES in the Mortgage Qualifier Field 

[NO] – Select NO in the Mortgage Qualifier Field 

Please hold the line while I stop the recording. Thank You! 

Stiner Attachment NN - 27
Review 

~ The Northeastern California Sacramento BBB ~ had senseFRs questions regarding 

AmeriTech Financial!s Inc. 's direct to consumer maill!lli ael¥erlisingadvertisements and statements ; 

slair:1u; 11:lat tl:loywhich explicitly offered a 100% Satisfaction Guarantee in addition to the -

aRemanner in which the wa;' their customers' "family size" ~ ~ represented in sales 

19Fesentatiensthe enrollment process. Please read further for more details regarding our senseFRs 

questions and the direct response from the busines~ regarding our questions. Fes19ense te these 

SORSOFRe. 

Direct Mail Advertising 

BBB ~ had received copies of the company's direct mail advertisements, which identify the sender 

only as "Student Loan Department''.~ 

Beginning en J1me 7, 2Q1e we The BBB wrote to this company with questions regarding their mailer 

te 8*19F8SS senseFRs thatinforming the company that consumers maY. have inferred there was some 

~ a government affiliation because ~ the company name ~ had been omitted from the 

mailer. We requested that the>r,the company orovide us with a revised mailer which clearly states 

that the name of the company making the offer for services was indeed-is AmeriT ech Financial. 

According to the BBB Code of Advertising, advertisements that are untrue, misleading, or deceptive 

shall not be used, and; misrepresentation may result not only from direct statements, but by omitting 

or obscuring a material fact. 

On July 25, 2016 and March 17, 2017 the company responded by providing us with a revised mailer 

containing the name of the company. 

I 

On P.4aFsh 2d, 2Q17 BBB F868i¥8EI a 6819;' ef a R'laileF Elateel "2Q17", en Whish the 68R'll98R;'0S naR'le is 

net listeel. The selisitatien is signeel enl;': "~tl:lelent bean De19arlFRent".I _______________________ - Comment [CMl]: Thismailerwassent priorto 

the company's amending its mailers per the BBB's 

100% Satisfaction Guarantee ___ Ull · _ ·_tial _ reques -"-_1 __________ .., 

We also wrote to the company regarding their advertisement for a 100% Satisfaction Guarantee 

made on their website, www.ameritechfinancial.com. 

According to the BBB Code of Advertising, advertisers should only use "satisfaction guarantee," 

"money back guarantee," or similar representations in advertising if the seller refunds the full 

purchase price of the advertised product or service at the consumer's request. 

BBB has Fesei><ec:l sensl:lmeF sem19laints in whish the sem19lainants allege ,A,meFiTesh finansial 

Fefl:lseel te gi><e theR'l a Fefl:lnEI ,,,,hen the;' FSEll:lesteEI it. In letteFS ElateEI Jl:lne 7, 2Q1e anEI Jl:ll;' 1 !l, 

2Q1 e we FSEll:lesteEI that the seR'l19an;' 19Fe><iele !:ls with Elesl:lR'lentatien that they Ele heneF all Fefl:lnEI 

F8Ell:l8Sts. If net, we F8Ell:l8Steel that the;' sease ael><erlising 1 QQQ~ ~atisfastien Gl:laFantees. 

On July 25, 2016 the company responded to our request by explaining that they had modified their 

advertisement from "100% Satisfaction Guaranteed" to "Our Goal is 100% Client Satisfaction." 

Family Size 

We have received consumer report£ alleging stating that the .A.R'leFitesh eFR19le;'eescompany 

representatives did not accurately portray R'lisFe19FesenteEI the definition of family size their 

customers could claim on paperwork provided to the federal government for student loan repayment 

plans. As such Qoo ,Julv 18 2016 we wrote to the comoanv reaueslioa that thev Provide us with a 

revised sales scdot which deadv outlines who can and cannot be Glaimed in their customet's familv 

Stiner Attachment NN - 28 

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 29 of 31 
 

 

 

 

 

 

 

 

 

 

 

 

- - -

Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 30 of 31 

size. 

The U.S. Department of Education defines Family Size as you and your children (including unborn 

children who will be born during the year for which you certify your family size), if the children will 

receive more than half their support from you. It also includes other people only if they live with you 

now, receive more than half their support from you now, and will continue to receive this support for 

the year that you certify your family size. It may include your spouse. 

Consumers allege they are led to believe that individuals outside of this definition can be included in 

their family size counts. 

According to the BBB Code of Advertising, advertisements that are untrue, misleading, or deceptive 

shall not be used, and; misrepresentation may result not only from direct statements, but by omitting 

or obscuring a material fact. 

On July 18, 2016 we wrote to the company requesting that they provide us with a revised sales 

script which clearly outlines who can and cannot be claimed in their customer's family size. 

On July 25, 2016 the company wrote to us explaining that it was not their "intention to obscure any 

material fact behind the family size", and provided us with a revised script in which the individuals 

customers can claim in their family size are clearly defined. The company also informed us that any 

employees who misrepresented the family size definition have been disciplined and/or terminated. 

As of March 28, 2017 BBB continues to receive complaints from consumers who allege they were 

misled regarding family size. 

Reviews & Complaints 

It has come to BBB’s attention that the business is allegedlymay have been requesting that 

customers withdraw the text of complaints posted on the BBB website as a condition of resolving the 

complaints. Consent to post the text of a complaint is solely at the discretion of the customer. The 

businessBusinesses may only choose whether to have its their responses to the complaints posted 

or not. 

Complainants generally allege that company sales representatives lead them to believe their 

monthly payments are paid to their student loan service providers, but later learn that these 

payments are actually made to AmeriTech Financial. 

BBB's research indicates that the company charges a processing fee for completing student loan 

repayment plan application paperwork, and a monthly fee for a financial education benefits 

programfees are charged by the company in exchange for the work the company does on behalf of 

its customers and that such fees are not applied as payments to its customers’ student loans. . 

Clients are respons ble for paying their loan service providers directly. 

At that time weBBB believes the complaints contain a pattern of similar allegations and contacted 

the company regarding these allegations on July 18, 2016. We requested that the company provide 

us with a written list of steps they planned to take to ensure that its consumers are no longer 

misledwere clearly advised regarding the company’s fees and that these types of complaints do 

would not continue. 

On July 25, 2016 the company wrote to us explaining that they have had implemented a number of 

steps designed to ensure that it clearly explained to consumers that its fees were not applied to its 

Stiner Attachment NN - 29
Case 4:18-cv-00806-SBA Document 70-40 Filed 03/05/18 Page 31 of 31 

customers’ student loan balances in any way, most notably on the first page of the company’s 

website located at www.ameritechfinancial.com. consumers are not misled regarding company 

fees. These steps include: providing sales representatives with additional training regarding what 

they should and should not state over the phone; hiring a multiple full time "quality assurance agent" 

to listen to sales calls and meet with representatives that waiver from their script and/or training; 

adding the company name to the flyers mailed to consumers; and explicitly including the name of the 

company in their sales script. 

Stiner Attachment NN - 30
Case 4:18-cv-00806-SBA Document 70-41 Filed 03/05/18 Page 1 of 7 

Stiner Attachment OO 
Better 

Business 

Bureau 

Re: BBB Complaints to Unpublish 

1 message 

Tom Knickerbocker <tom.knickerbocker@ameritechfinancial.com> 

To: Alma Galvan <agalvan@sacramento.bbb.org> 

Cc: Daniel Stiner <dstiner@necal.bbb.org> 

Hi Alma, 

Daniel Stiner <dstlner@necal.bbb.org> 

Tue, May 23, 2017 at 2:36 PM 

Happy Tuesday! Hope your week is going well. I have unpublish requests from successfully closed complaints I'd like 

removed, if possible. As usual 111 paste them below. Let me know if you have any questions at all. Thank you! 

Case- - Na'curria Nowlen 

--Forwarded message --

From: Na'Curria Nowlen -.... @gmail.com> 

Date: Tue, Dec 20, 2016 at 3:56 PM 

Subject: Re: Ameritech Follow Up 

To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

Ameritech has resolved my concerns and the BBB complaint can be unpublished at this time. Thanks 

Case -Ryan Vick 

--Forwarded message --

From: Ryan Vick --@hotmail.com> 

Date: Fri, Dec 30, 2016 at 11 :01 AM 

Subject: Re: Ameritech BBB Complaint Resolution 

To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

hello Kristina, 

let me address your email. 

you wrote: 

>>Income Driven Repayment Plan 

AKA, IBR "income based repayment" 

>>We will submit your updated income documentation three months prior 

in general, I am a job seeker, so as soon as my employment improves, as I understand it, I will opt 

out of (no longer qualify for} your services. (please correct me if I am wrong} 

and if I remain under your services, I simply say thank you! 

I believe the process could have been smoother .... 

in particular, what comes to my immediate mind, is the trouble I had contacting you guys on MON, 

earlier this week, and finally I got thru to Diego (I believe it was the next day, TUE} but I was 

already upset by that time, and I filed the BBB complaint just before speaking to Diego. 

(I had multiple phone#s for your company, and I tried as many as I could, to get thru ... this was 

very frustrating/irritating for me PRIMARILY because you had told me (on MON I recall} that return 

calls are processed the next day. so I would not speak to customer service until the following day. I 

patiently waited, and nobody EVER (they still have not) returned my phone call. so, I said it before, 

bad karma. if you were easier to contact, that complaint to BBB would have never happened ... } 

but that is now the past. 

lets move forward. 

I am delighted to say I can basically agree to your statement. 

Stiner Attachment 00 - 1 

Case 4:18-cv-00806-SBA Document 70-41 Filed 03/05/18 Page 2 of 7 
"Ameritech Financial has resolved my concerns and the complaint can be unpublished at 

this time." 

I use the word "basically" because I am still annoyed at all of this process, but at this point you and 

Diego are addressing my concerns, and helping me go forward in this process, so I am willing to 

work with you guys further. 

lets hope/pray for smoother sailing, going forward. 

:) 

I do apologize if the complaint to BBB is catastrophic to your company, but apparently it can be 

withdrawn, so hopefully "no harm, no foul". 

no hard feelings. 

ryan 

Cas~ - Crystal Harp 

--Forwarded message --

From: Crystal Harp - @yahoo.com> 

Date: Thu, Jan 19, 2017 at 5:43 PM 

Subject: Fwd: Follow Up from AmeriTech 

To: Holly Novak <holly.novak@ameritechfinancial.com> 

Sent from my iPhone 

with heartfelt love! Crystal 

Begin forwarded message: 

From: Crystal Harp ~ yahoo.com> 

Date: January 19, 2017 at 1:07:45 PM EST 

Subject Fwd: Follow Up from AmeriTech 

AmeriTech has resolved my concerns. The BBB complaint can be unpublished at this time. 

Sent from my iPhone 

with heartfelt love! Crystal 

Begin forwarded message: 

Cas~ - Christine Staplefoote 

- - - Forwarded message ---

From: Christine Staplefoote gmail.com> 

Date: Fri, Mar 10, 2017 at 3:33 PM 

Subject: Re: Ameritech Follow Up 

To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

Hi Christine (sic), 

Stiner Attachment 00 - 2 

Case 4:18-cv-00806-SBA Document 70-41 Filed 03/05/18 Page 3 of 7 
has resolved my concerns and the BBB complaint can be unpublished at this time. 

Cas~ - Alden Brown (please note, his email- @yahoo.com is under a "Mike 

Logan," but this is the email that was provided to us. Hopefully you see the same on your 

end when the complaint was submitted and he had to provide an email address) 

--Forwarded message -­

From: mike logan -lll@yahoo.com> 

Date: Fri, Apr 14, 2017 at 2:13 PM 

Subject: Re: Ameritech Statement 

To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

kristina at ameritech has resolved my concerns and BBB complaint can be unpublished. thank you 

Cas- - Joshua Colocino 

--Forwarded message --

From: Colocino Joshua @gmail.com> 

Date: Fri, Apr 28, 2017 at 11:52 AM 

Subject: Re: Ameritech Refund and BBB Resolution 

To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

Ameritech has resolved my concerns and the Better Business Bureau Complaint can be unpublished at this time. 

Joshua Colocino 

On Thu, Oct 20, 2016 at 1:25 PM, Alma Galvan <agalvan@sacramento.bbb.org> wrote: 

Hello Tom, 

Hope all is well! The requests were sent to the complaint handlers, and will be unpublished. 

, Thank you, 

I Alma Galvan, Customer Service Supervisor 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

1 

West Sacramento, CA 95691 

I I p: 91s.231-a934 

I agalvan@sacramento.bbb.org 

I bbb.org Start With Trust® 

!! 

BBB. I SW{~T1\41. 

1

m1m. 

Stiner Attachment 00 - 3 

Case 4:18-cv-00806-SBA Document 70-41 Filed 03/05/18 Page 4 of 7 
1 On Thu, Oct 20, 2016 at 9:39 AM, Tom Knickerbocker <tom.knickerbocker@ameritechfinancial.com> wrote: 

Hey Alma, 

Hope your week is going well! 

We have a few BBB complaints that have been fully resolved to the client's satisfaction that we would like 

unpublished, with confirmation from the client. Just like before, I'll paste the client's request to unpublish the 

complaint. If you need any other information, please don't hesitate to ask! 

I

! See below, and thank you for your help! 

Case -Megan Denzin 

On Fri, Aug 26, 2016 at 9:28 AM, Megan Denzin - @gmail.com> wrote: 

I To Whom It May Concern: 

I AmeriTech has resolved my concerns to my satisfaction. The BBB complaint can be unpublished at this time. 

, Sincerely, 

1 ' Mega, Deo,Jo 

I Case: - - Mary Schaaf (Hall) 

' --Forwarded~---

! From: Mary Hall - @yahoo.com> 

Date: Thu, Sep 1, 2016 at 7:23 PM 

1 ' Subject: Re: Ameritech Follow Up 

I To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

I Ameritech has resolved my concerns. The BBB complaint can be unpublished at this time. 

I 

, Sent from my iPhone I 

1 Case: - Tasheka Brewer 

From: Ms. Tasheka Brewer 

\ Date: Wed, Aug 31, 2016 at 1:12 PM I Subject: RE: Ameritech Financial Follow Up 

! To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

@yahoo.com> 

I 

Good afternoon, Kristina. 

Thank you, so much, for looking into my situation and understanding the circumstances. You going above and beyond 

I 

to determine where the discrepancies were was impressive, and your superior customer service skills and compassion 

are appreciated. 

1 I'm looking forward to receiving the paper check in the requested refund amount of $207 and having this matter 

satisfactorily resolved. 

I 

AmeriTech Financial has resolved my concerns. The BBB complaint can be unpublished at this time. 

Regards, 

Tasheka Brewer 

Case: - Kristi Capra 

Stiner Attachment 00 - 4 

Case 4:18-cv-00806-SBA Document 70-41 Filed 03/05/18 Page 5 of 7 
--Forwarded m~--

' From: Kristi Capra - @gmail.com> 

1 Date: Wed, Sep 14, 2016 at 4:46 PM 

Subject: Re: BBB Complaint Submission i To: complaints@cbbb.bbb.org, Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

I I 

Hello, 

I 

Ameritech has resolved my concerns. The BBB complaint can be unpublished at this time. 

Thank you 

Kristi Capra 

Case: - - Patrick Cluckey 

--Forwarded message --

From: Patrick Cluckey 1 @yahoo.com> 

Date: Mon, Oct 3, 2016 at 12:02 PM 

Subject: Re: BBB Resolution Statement 

To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

, ' Hi Kristina, 

I I 

I Ameritech has resolved my concerns and the BBB complaint can be unpublished at this time. 

' : Thanks, 

, Case:- - Nina Patterson 

--Forwarded message --

From: Nina E.Patterson ••• @outlook.com> 

, Date: Tue, Oct 11, 2016 at 1:58 PM 

Subject: RE: BBB Resolution Statement 

To: Kristina Sciortino <kristina.sciortino@ameritechfinancial.com> 

Kristina Sciortino and others on her staff have gone above and beyond to aid me in resolving my previous issues. I 

I now feel much more secure about working with this company and would recommend this company to others. Please 

feel free to in-publish my complaint. 

1 NinaE. Pall 

Juris Docto 

, ••• 

~ 

@gma1.com 

, Mobile:--

1 · Tom Knickerbocker 

Executive Vice President 

: AmeriTech Financial 

' 

Stiner Attachment 00 - 5 

Case 4:18-cv-00806-SBA Document 70-41 Filed 03/05/18 Page 6 of 7 
! 1101 Investment Blvd 

' El Dorado Hills, CA 95762 

Email: tom.knickerbocker@ameritechfinancial.com 

Website: www.ameritechfinancial.com 

1101 Investment Blvd. Suite 290 

El Dorado Hills, CA 95762 

Phone: (800) 792-8621 

Fax: (866) 818-9026 

Referral Program: refer.ameritechfinancial.com 

I Customer Service: customer.service@ameritechfinancial.com 

Submit Documents: income.doc@ameritechfinancial.com 

Web: www.ameritechfinancial.com 

Our Client Promise: 100% Client Satisfaction - 100% of The Time 

NOTICE: The information contained in (and attached to) this e-mail is intended only for 

the personal and confidential use of the designated recipient(s) named above. If the 

reader of this message is not the intended recipient, you are hereby notified that you have 

received this document in error and that any review, dissemination, distribution or copying 

I of this message is strictly prohibited. If you received this communication in error, please 

' : notify us immediately by reply e-mail, and delete the original message (including 

attachments). All participants in Ameritech Financial's referral program must agree to the 

Terms & Conditions of the program, reviewable at refer.ameritechfinancial.com. 

Tom Knickerbocker 

Executive Vice President 

AmeriTech Financial 

1101 Investment Blvd 

El Dorado Hills, CA 95762 

Email: tom.knickerbocker@ameritechfinancial.com 

Website: www.ameritechfinancial.com 

Stiner Attachment 00 - 6 

Case 4:18-cv-00806-SBA Document 70-41 Filed 03/05/18 Page 7 of 7 
Case 4:18-cv-00806-SBA Document 70-42 Filed 03/05/18 Page 1 of 3 

Stiner Attachment PP 
• Better ~ Business 

!!@ Bureau 

Daniel Stiner <dstiner@necal.bbb.org> 

Re: FW: Ameritech Financial 33508.0006 

1 message 

Daniel Stiner <dstiner@sacramento.bbb.org> 

To: Christopher Meier <Christopher.Meier@gmlaw.com> 

Bee: Elizabeth Nichols <enichols@sacramento.bbb.org> 

Dear Mr. Meier, 

Mon, Jun 5, 2017 at 9:51 AM 

This is a response to your email dated May 5, 2017 regarding Ameritech Financial. Below are several 

follow-up items for which we are requesting more information. 

1. We could not find reference to Financial Education Benefits Center (FEBC) in the copy of the 

customer agreement provided. Is there a separate written agreement for the FEBC program? If 

so, please provide a current copy. 

2. Please provide a current copy of the privacy policy given to customers, as referenced in the 

verification script. 

3. In the second paragraph on page 6 of the verification script, the consumer is told that Ameritech 

makes the first payment to the loan servicer on behalf of the consumer. We were unable to find 

reference in any other script or document to this first payment, including the customer 

agreement. On page 4 of the customer agreement, the consumer is required to certify that they 

are responsible for making payments and there is no mention of Ameritech making the first 

payment. 

We are requesting an explanation of the apparent discrepancy between the script and the agreement 

regarding the first payment and an explanation of the Ameritech's process for making this payment on 

the consumer's behalf. 

With regard to the responses you provided to BBB's comments on the Business Profile for Ameritech 

Financial: 

1. Direct Mail Advertising: According to Crystal Harp, the mailer in question is not the solicitation 

upon which her March 2016 complaint was based - the mailer was subsequently received one 

year later in March 2017. The timing is supported by the "2017" date stamped on the mailer. 

2. 1000/o Satisfaction Guarantee: The consumer-specific examples provided in my Apri l 5 letter 

are not published on the public business profile - they were provided for reference to you 

directly. The business profile simply reports the advertising review that was performed, and 

indicates the company was responsive and made the requested changes. Reporting advertising 

review is standard BBB pol icy. Please note that an email received by BBB May 23, 2017 from 

Tom Knickerbocker contains the same claim: "Our Client Promise: 100% Cl ient Satisfaction -

100% of The Time". Please inform us if Ameritech will commit to remove this statement from 

email signatures throughout the organization. 

3. Family Size: This advertising review is based on the allegations of complaints we receive. It's 

true that we received complaints with those allegations. If Ameritech would like to substantiate 

its position that the allegations are untrue or inaccurate, we welcome them to provide recordings 

of the calls in question for consumers Little, Giffard, and Banfield. Please be advised that we may 

continue to report this advertising review for as long as we cont inue to find it to be is consistent 

with the reportable complaints we have on file. 

Stiner Attachment PP - 1 

Case 4:18-cv-00806-SBA Document 70-42 Filed 03/05/18 Page 2 of 3 
r" 

4. Reviews & Complaints: After review, we agree that complaints from consumers Thomas, 

Nowlen, Vick, Harp, Troutman, Mishigan, and Staplefoote appear to be based on agreements 

reached prior to July 25, 2016 (Gross provides a purchase date of August 26, 2016). 

However, this does not change the fact that the pattern of allegations exists in the complaints. It 

is standard BBB procedure to report complaint patterns and any steps BBB and the company took 

to resolve the pattern. In addition to Gross, recent complainants Colocino and Lewis also make 

allegations related to believing their monthly payments to Ameritech were going towards their 

loans. We believe the summary of allegations reported in t his section is consistent with the 

reportable complaints we have on file, and those we continue to receive. 

Regarding the assurances given in your May 5th letter that Ameritech would cease requiring its 

customers to request that BBB unpublish their complaints - please see the attached email we received 

on May 23, 2017 from Ameritech's Executive Vice President Tom Knickerbocker. It contained multiple 

requests to unpublish, all of which are identically worded. As a reminder, BBB Accreditation Standards 

require that businesses tell the truth, honor promises and embody integrity. 

Lastly, my April 5 letter invited Ameritech to inform us if they believed any of the statements on the 

business profile were untrue. While we appreciate your submission, this was not an offer for Ameritech 

to co-author the profile. The offer for BBB to review and address any proposed inaccuracies still 

stands. 

Please confirm receipt of this message. We are requesting a response at your earliest convenience, 

ideally within two weeks of today's date. If you have any questions, please feel free to contact me 

directly. 

Sincerely, 

Daniel Stiner, Director of Trade Practices 

Better Business Bureau serving Northeast California 

3075 Beacon Blvd 

West Sacramento, CA 95691 

916-443-6843 ext. 212 

dstiner@sacramento. bbb. org 

Start With Trust® 

l'EDlffl 

bbb.org 

CODE OF ADVERTISING 

CODE OF BUSINESS PRACTICES 

- . 

On Wed, May 17, 2017 at 11 :24 AM, Christopher Meier <Christopher.Meier@gmlaw.com> wrote: 

I OK thanks for the update Mr. Stiner. 

I 

Stiner Attachment PP - 2 

Case 4:18-cv-00806-SBA Document 70-42 Filed 03/05/18 Page 3 of 3 
Case 4:18-cv-00806-SBA Document 70-43 Filed 03/05/18 Page 1 of 3 

Stiner Attachment QQ 
Bear Mistyrae, 

We are pleased to inform you that you may now participate in our Stuclent Loan Document Preparation 

and Processing Services Program. Jh1s program can potentially save you thousands on your student 

loans and prepare you for Total Loan Forgiveness thrcs>ugh applying for available government relief 

options. 

With the implemer:1t1ation of the Health Care and .Education Affordability Reconciliation Act of 

20!_0 the U.S. Department of ~ducation has adjusted their re-pa~ment policies. 

You may now be eligible for: 

.BORROWER [ Mls;,:ae ~ehaffe~ • $0 / Month $tudent Loan Payment 

BALANCE 1- 1 • , . l --''= 1 • Total Loan Forgiveness Programs 

OFFER TYPE • l.:oan Consolidation and Program Payment Reduction 

LOAN TYPE • No Minimum Income Requirement 

REFERENCE # • No @redit Check 

.- OfFER STATUS 

To confirm your eligibility today, contact us at: 1·888-895-4144 

PM PST and provide your personal reference number: 

Failure to respond to this letter may void company offer for services. 

Sf ncerely, · 

Student Loan Department 

1·888-895-4144 

Reference No: 

Disclosure: The Company does not assume or pay const:Jmer g_ebts. This is not a loan or a lending offer. Company provides document preparation 

and processing services for a fee. Company products and services are optional anq mutually exclusive from each other. See terms of contract for 

complete details. We have many success stories l::lut cannot guarantee warranty or predict the outcome ~n any partiQltar situation. There are many 

free government prewams avallabte and yol may apply on ,your own directly with the DOE for 1ts services without fee. This is not a government 

program. For more information please direct all questions and inquiries to 1·88-8-895·4144. 

Stiner Attachment QQ - 1
2017 

IMPORTANT 

DOCUMENT 

PERSONAL AND CONFIDENTIAL 

Account No. 

STLN#: (enclosed) 

~ "- \ . 

\ 

§

PRESORTED 

STANDARD 

U.S. POSTAGE 

PAID 

----i SACRAMENTO, CA 

PER.MIT #_193§ 

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Case 4:18-cv-00806-SBA Document 70-43 Filed 03/05/18 Page 3 of 3 

Stiner Attachment QQ - 2