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ALDEN F. ABBOTT

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 Case: 4:17-cv-04817-SBA 

DECLARATION OF SCOTT BELNAP

IN SUPPORT OF FEDERAL TRADE 

COMMISSION’S MOTION FOR 

PRELIMINARY INJUNCTION

Case 4:18-cv-00806-SBA Document 104 Filed 04/19/18 Page 1 of 4

DECLARATION OF SCOTT BELNAP IN SUPPORT OF FEDERAL TRADE 

COMMISSION’S MOTION FOR PRELIMINARY INJUNCTION

 4:18-CV-00806-SBA
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DECLARATION OF SCOTT BELNAP 

1. My name is Scott Belnap and I reside in Riverton, Utah. The following 

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

competently testify thereto. 

2. During December of 2017, I graduated from Boise State University and had a 

significant amount of student loan debt. As a professor at Salt Lake Community College, I knew 

that there were certain debt relief programs available to public servants, but I was not familiar 

with them and did not know how to apply. 

3. My wife and I began researching how to get assistance with this process and 

stumbled on a website called thecollegeinvestor.com. It was through a link on this site that led 

me to call AmeriTech Financial ("AmeriTech"), a company that I thought could help me with 

my student loan debt. 

4. At first, my wife spoke to them on the phone but since she was still in college, she 

decided not to enroll. She did however tell the representative with AmeriTech that I had just 

graduated and could use some help. 

5. On April 2nd, 2018, I spoke to an AmeriTech representative on the phone. I recall 

the conversation being very fast and scripted. They told me they were a document preparation 

company that would prepare and submit the proper paperwork to get me into the public service 

loan forgiveness program. They stated that they would charge me a yearly fee that would be paid 

over a series of months. 

6. I was told that under this program, if I consistently made a series of qualified 

payments for 10 years, my remaining student loan balance would be forgiven as long as I stayed 

employed in public service and worked at least 30 hours a week. 

7. One of the questions they asked me about was my family size. I remember the 

conversation being very weird and the definition of family size was vague. I told them that I had 

two brothers in Salt Lake City that I occasionally help out, one of which I recently bought a car 

transmission for. They told me that ifl helped them financially, I should include them in my 

Belnap Declaration - Page 1 

Case 4:18-cv-00806-SBA Document 104 Filed 04/19/18 Page 2 of 4
1 family. Based on this information, I claimed a family size of six: myself, my wife, my two 

children, and my two brothers. 

8. Based on my current student loan balance of approximately $136,000.00, I was 

told that currently, my approximate monthly payments were going to be $1,400.00. I was then 

told that under the program, my monthly payments would be reduced to approximately $175.56. 

9. I was told that in addition to the $175.56, I was to pay approximately $80 a month 

for document preparation and annual recertification services. My understanding was that this 

would equate to approximately $250.00 a month that I would pay to AmeriTech. 

10. I was under the impression that AmeriTech was responsible for collecting the 

approximate $250.00 and would disburse $175.65 to my loan servicer while keeping 

approximately $80.00 for their fees. Based on this information, I wasn't planning on making any 

payments to my loan servicer since I was led to believe that was what I was paying AmeriTech 

for. Attached as Belnap Attachment A is a copy of the AmeriTech Financial Service Agreement

that I signed. 

11. On April 3, 2018, I received an email from Reliant Account Management 

informing me that they were an independent third party that would be processing my program 

payments. I didn't know if they were affiliated with AmeriTech but assumed they were since the 

email was around the same time I signed up. I was planning to call AmeriTech to confirm this 

since I was unclear as to who they were. Attached as Belnap Attachment B is a copy of this 

email from Reliant Account Management. 

12. I later realized that my contract included some paperwork about the Financial 

Education Benefits Center and that I had apparently agreed to pay $99.00 a month for benefits 

such as LifeLock, retirement services, etc. I was under the impression that these services were 

included as a bonus and were part of the program. I do not remember being told that I would be 

paying $99.00 for these. 

13. On April 13th, 2018, I received a call from Federal Trade Commission ("FTC") 

Investigator Y asser Dandashly. After reading about the FTC lawsuit, I became very concerned 

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Belnap Declaration - Page 2 

Case 4:18-cv-00806-SBA Document 104 Filed 04/19/18 Page 3 of 4
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about what I had signed up for and decided to cancel. I called AmeriTech on April 16111, 2018 and 

cancelled the program. 

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

on LP6/!~ , 2018, in Utah. 

Belnap Declaration - Page 3 

Case 4:18-cv-00806-SBA Document 104 Filed 04/19/18 Page 4 of 4
Belnap Attachment A

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 1 of 44
1)1 

AMERITECH 

FINANCIAL 

Required Documentation and Instructions 

•(All Forms Located in "Document Package" PDF) 

• Please return the following documents to AmeriTech Financial as soon as possible . 

• Failure to return documents in a timely manner wjU result jn processing.delays, 

• ONLY sign the provided fonns - do not date fonns unless otherwise instructed . 

• Please 9.2.lliU..filt out any additional information on the signature forms . 

Return the ronowiue documents to AMERITECH FINANCIAL within 2 weeks; 

I) Income Based (IBR) Federal Form 

a. Your signature is required on Page 4. DO NOT DATE 

i. IF YOU'VE FILED MARRIED.JOINT ON YOUR MOST 

RECENT TAX RETURN, YOUR SPOUSE'S SIGNATURE IS 

Al<SQBEQUIRED ON PAGE 4 

2) General Forbearance Request Federal Form 

a. Your signature is required on bottom of page 2. DO NOT DATE 

3) Paystubs - For the most recent month 

a. Paystub date range needs to cover at least 30 days of pay, and must be 

within the most recent 30 days 

4) 1040 Tax Return 

a. For most recent filed year - please send a FULL copy of your return. 

5) All Information Release (Third Party Authorization) Loan Servicer Forms 

a. Your signature is required on all forms. DO NOT DATE 

Belnap Attachment A-001 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 2 of 44
AMERITECH ~ FINANCIAL 

Return the following documents to AMERITECH FINANCIAL within 6 months; 

l) Employment Certification for Public Service Loan Forgiveness (PSLF) Federal Form 

a. Ibis form 0olY appljcs iC you work [or a o0o-pror;t SQJ Cs:lJ or goycmroeoc entity, 

1. Step I: Provide this form to your HR department to complete. 

ii. Step 2: Your signature and date (date required for this special fonn) is 

required at the bottom of page I. 

iii. Step 3: Return to AMERITECH FINANCIAL. 

Instructions: How to Return Required Documents 

l) QpJiou 1; Ero1il <*Preferred* l 

a. Attach required documents and email to: 

income.doc@amcritcchfinancial.com 

*Do not email docwnenls lo your Accozmt Representative 

*Only email.files in PDF format 

2) Qptjon 2; FAX 

a. Fax securely to: 1-866-818-9026 

3) Option 3; Mail 

a. Mail a physical copy of your documents to: 

AmeriTech Financial 

M!!:,Documents 

5789 State Farm Drive 

Suite 265 

Rohnert Park, CA 94928 

Belnap Attachment A-002 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 3 of 44
PUBLIC SERVICE LOAN FORGIVENESS (PSLF): 0MB No.1845·0110 

Form Approved EMPLOYMENT CERTIFICATION FORM Exp. Date 5/31/2020 

William D. Ford Federal Direct Loan (Direct Loan) Program PSECF-XBCR 

WARNING: Any person who knowingly makes a false statement or misrepresentation on this form or on 

any accompanying document is subject to penalties that may include fines, imprisonment, or both, under PSLFECF 

the U.S. Criminal Code and 20 U.S.C. 1097. 

SECTION 1: BORROWER INFORMATION 

Please enter or correct the following information. 

D Check this box if any of your Information has changed. 

SSN--

Oate of Birth ------

Name 

Address 

City Riverton State .J[L Zip Code--

Telephone- Primary 

Telephone - Alternate 

Email (Optional) 

SECTION 2: BORROWER AUTHORIZATIONS, UNDERSTANDINGS, AND CERTIFICATION 

Before signing, carefully read the entire form. For more information on PSLF, visit StudentAfd.gov/publicservice. 

I authorize: 

1. My employer or other entity having records about the employment that is the basis of my request to make information 

from those records available to the U.S. Department of Education (the Department) or its agents or contractors. 

2. The entity to which i submit this request and its agents to contact me regarding my request or my loans at any cellular 

telephone number that I provide now or in the future using automated telephone dialing equipment or artificial or 

prerecorded voice or text messages. 

I understand that 

1. To qualify for PSLF, I must make 120 qualifying payments on my Direct Loans while employed full-time by a qualifying 

employer or employers. Neither the 120 qualifying payments nor the employment have to be consecutive. 

2. To qualify for PSLF, I must be employed full-time by a qualifying employer when I apply for and receive PSLF. 

3. If I qualify for forgiveness, only the remaining balance on my Direct Loans will be forgiven. 

4. By submitting this form, my student loan(s) held by the Department will be transferred to Fedloan Servicing. 

5. The Department may request supplemental documentation substantiating my employment. 

6. The Department will notify me in writing or electronlcally of the number of qualifying payments I have made while 

employed full-time by a qualifying employer and how many more I must make before I am eligible to apply for PSLF. 

7. I will be notified if the form that I submit is incomplete, or if my employment or payments do not qualify for PSLF, why 

the determination was made, and the steps I need to take to correct the form or make qualifying payments. 

8. The Department will retain this certification form until I submit my application for forgiveness. 

I certify that all of the information I have provided on this form and in any accompanying document is true, complete, and 

correct to the best of my knowledge and belief. 

D Check this box if you cannot obtain certification from your employer because the organization is closed or because the 

organization has refused to certify your employment. The Department will follow up to assist you in getting 

documentation of your employment. Complete Section 3, but do not complete Section 4. 

Borrower's Signature ------------------ Date --------

Page 1 of6 

Belnap Attachment A-003 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 4 of 44
Borrower Name _S_c_o_tt_B_e_l_n_a __ p _________ _ Borrower SSN 

SECTION 3: EMPLOYER INFORMATION (TO BE COMPLETED BY THE BORROWER OR EMPLOYER) 

1. Employer Name: 1 o. Is your employer tax-exempt under Section 501 (c)(3) 

of the Internal Revenue Code (IRC)? 

If your employer Is tax-exempt under another 

subsection of 501 (c) of the IRC, such as 501 (c)(4) or 2. Federal Employer Identification Number (FEIN) 501(c)(6}, check •No" to this question. 

D Yes - Skip to Section 4. 

Your employer's Federal EIN may be found on your D No - Continue to Item 11. 

Wage and TaK Statement (W-2). 

11. ls your employer a not-for-profit organization that is 

3. ,Employer Address not tax-exempt under Section 501 (c){3) of the Internal 

Revenue Code? 

D Yes - Continue to Item 12. 

D No - Your employer does not qualify. 

4. Employer Website (if any): 12. Is your employer a partisan political organization or a 

labor union? 

D Yes - Your employer does not qualify. 

S. Employment Begin Date: D No - Continue to Item 13. 

13. Which of the following services does your employer 

provide as its primary purpose? Check all that apply 6. Employment End Date: and then continue to Section 4. If you you check 

OR O Still Employed "None of the above", do not submit this form. 

D Emergency management 

7. Employment Status: D Full-Time D Part-Time D MIiitary service (See Section 6) 

8. Hours Per Week (Average) D Public safety 

D Law enforcement Include vacation, leave time, or any leave taken 

under the Family Medical Leave Act of 1993. If your D Public Interest legal services (See Section 6) 

employer Is a 50t(c)(3) or a not-for-profit organization, D Early childhood education (See Section 6) 

do not include any hours you spent on religious Public for individuals with disabilities instruction, worship services, or proselytizing. D service 

D Public service for the elderly 9. Is your employer a governmental organization? D Public health (See Section 6) 

A governmental organization Is a Federal, State, D Public education (See Section 6) local, or Tribal government organization, agency, or 

entity, a public child or family service agency, a Tribal D Publlc library services 

college or university, or the Peace Corps or D School library services 

AmerlCorps. D · D Other school-based services Yes • Skip to Section 4. 

D D None of the above - the employer does not No • Continue to Item 10. qualify. 

SECTION 4: EMPLOYER CERTIFICATION (TO BE COMPLETED BY THE EMPLOYER) 

By signing, I certify (1) that the information in Section 3 is true, complete, and correct to the best of my knowledge and 

belief, (2) that I am an authorized official (see Section 6) of the organization named in Section 3, and (3) that the borrower 

named in Section 1 is or was an employee of the organization named in Section 3. 

Note: If any of the information is crossed out or altered In Section 3, you must initial those changes. 

Official's Name _ _ _____________ Official's Phone 

Official's Title Official's Email 

Authorized Offidal's Signature _____________ _ Date --------- Page2 of6 

Belnap Attachment A-004 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 5 of 44
INCOME-DRIVEN REPAYMENT (IDR) PLAN REQUEST 0MB No. 1845-0102 

Form Approved For the Revised Pay As You Eam (REPAVE), Pay As You Earn (PAYE), Exp. Date 10/31/2018 Income-Based Repayment (18R), and Income-Contingent Repayment (ICR) 

plans under the WIIUam D, Ford Federal Direct Loan (Direct Loan) Prognm 

and Federal Family Edutatlon Loan (FFEL) Programs 

IOR WARNING: Any person who knowingly makes a false statement or misrepresentation on this form or on 

any accompanying document ls subject to penalties that may Include fines, Imprisonment, or both, under 

the U.S. Cflmtnal Code and 20 U.S.C. 1097. 

SECTION 1: BORROWER INFORMATION 

Please enter or correct the following Information. 

D Check this box If any of your Information has changed. 

SSN--

Name 

Address 

City 

Telephone - Primary 

Telephone - Alternate 

Emall (Optional) 

SECTION 2: REPAYMENT PLAN OR RECERTIFICATION REQUEST 

It's faster and easier to complete this form onllne at Studentloans.goy. You can team more at StudentAid,gov/lQR and by 

reading Sections 9 and 1 O. It's srmple to get repayment estimates at StudentAld,goy/repayment-estimator. If you need help 

with this form, contact your loan holder or servicer for free assistance. You can find out who your loan holder or servicer Is at 

StudenWd,goy/fogln. You may have to pay Income tax on any loan amount forgiven under an Income-driven plan. 

1. Select the reason you are submitting this form 3. 

•

Do you have multiple loan holders or servlcers? 

(Check only one): Yes -Submit a request to each holder or servicer. D I want to enter an Income-driven plan -Continue to Continue to Item 

Item 2. 

O submitting 

•

4. 

No - Conllnue to Item I am documentation for the .an.nimJ. •. recertfflcatlon of my Income-driven payment• Skf p 4. Are you currently In deferment or forbearance? 

to Item 5. 

D After answering, continue to Item S. I am submitting documentation early to have my 

Income-driven payment recalculated lmmedlatey • 

• No. 

Skip to Item 5. D Yes, but I want to start making payments under my 

D I want to g,ange to a different lncome-drlyen plan · plan Immediately. 

Continue to Item 2. D Yes, and I do not want to start repaying my loans 

until the deferment or forbearance ends. 

2. Choose a plan and then continue to Item 3. 

O (Recommended) I want the Income-driven 

repayment plan with the lowest monthly payment. 

0 REPAVE O IBR 

0 PAYE O ICR 

SECTION 3: FAMILY SIZE INFORMATION 

s. How many chUdl'.'m, Including unborn 6, How many other people, excluding your 

children, are In your famlly and receive more spouse and chlldren, llve with you and receive 

than halfofthelrsupportfromyou? _L more than half of their support from you? 2 

Not~; A.#eflnf~~n o )'fam.Qy ~ ~•!ls:prQVl~~aJo ~ elf on 91.P? not:~t~r ~-Y~ye for:y~u·Q().'9',!r. $po~~ iTh~~~ ~lμes -~re . ' 

automatically lncl~ecUn Yt>\ff famlly ~lz.e, If ~ppr.o,prla~.. ' . . . . '. .. . " ' . , • · -' .· - -- · 

Page 1 of 10 

Belnap Attachment A-005 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 6 of 44
Borrower Name _,S...,c..,o_..tt ....... R,...e...,ln.,.a..,p._ _______ _ BorrowarSSN ---

SECTION 4A: MARITAL STATUS INFORMATION 

7. What Is your marltal status? 9. Provide the following Information about your 

D spouse and then continue to Item 10: Slngle-Skip to Item 11. 

D Married -Continue to Item 8. 

a, Spouse's SSN D Married, but separated -You wlil be treated as 

slngfe. Skip to ltem 11 . b. Spouse's Name 

D Married, but cannot reasonably access my spouse's c. Spouse's Date of 

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

Birth ________ _ Income Information -You will be treated as single. 

Skip to Item 11. 1 o. When you flied your last federal Income tax return, 

s. your have federal student Doas did you flle Jointly with your spouse? spouse loans? 

0 Yes - Continue to Item 9. D Yes-Continue to Item 13. 

O No-Skip to Item 10. 0 No-Skip to Item 17. 

SECTION 48: INCOME INFORMATION FOR SINGLE BORROWERS AND MARRIED BORROWERS TREATED AS SINGLE 

11. Has your Income slgnlflcantly changed since you 12. Do you currently have taxable Income? 

flied your last federal Income tax return? Check •No• If you do not have any Income or receive 

For example, have you lost your job, experienced a only untaxed Income. 

drop In Income, or gotten dJvorced, or did you most D Yes - Provide documentation of your Income as 

recently flle a Joint return with your spouse, but you Instructed tn Sections. Skip to that Section. 

have sf nee become separated or lost the abtllty to 0 No -You are not required to provide documentation 

access your spouse's Income Information? of your Income. Skip to Section 6. 

D Yes• Continue to Item 12. 

D No· Provide your most recent federal Income tax N9te:'6~mber, any PetSQO wh.~ kll9~"glr tjlak, s ·~ false 

return or transcript. Skip to Sectlon 6. ~t;t\~Jnent orl tjl_ls~e1.e~ma~9~ 'QO ;ttutf 9!~ fl !) be S~QJ~ t D I haven't flied a federal Income ta>e return In the last to p~na!~es.li)ch.(d(qg.ft{leS,.1!llPOSOOJnent, t>ti?(?Jh! . . two years -Continue to Item 12. 

SECTION 4C: INCOME INFORMATION FOR MARRIED BORROWERS FILING JOINTl. Y 

13. Has your Income significantly changed since you 15. Do you currently have taxable Income? 

flied your last federal Income tax return? Check "No" If you have no taxable Income or receive 

For example, have you lost your job or e,cperlenced a only untaxed Income. 

drop In Income? O Yes· You must provide documentation of your 

O Yes - Skip to Item 15. Income according to the Instructions In Section s. 

D No-Contlnuetoltem 14. Continue to Item 16. 

D We haven't federal retum D No - You are not required to proVlde documentation flied a Income tax In the 

of your Income. Continue to Item 16. last two years -Sktp to Item 15. 

14. Has your spouse's Income slgnlflcantly changed 16. Does your spouse currently have taxable Income? 

since your spouse fHed his or her last federal Income Check •No" If your spouse has no taxable Income or 

tax return? receives only untaxed Income. 

£71 For example, has your spouse lost his or her Job or D Yes~ Skip to Sections and provide documentation 

m..iexperlenced a drop In Income? of your spouse's Income as Instructed Jn that 

D Yes-ContlnuetoltemlS. section. 

D D No -You are not required to provide documentation No - Provide your and your spouse's most recent of your spouse's Income. If you selected •yes" to federal Income tax return or transcript Skip to Item 15, skip to Section 5 and document your Section 6. Income. If you setected •No" to Item 1 S, sktp to 

Section 6. 

Nq\e: ~~~ . ~OY pelSor wh,~ ~n(?Wlng!y rtlilkeS ~ ~lselta\~JTi~iit<>t 

~repr~en.tatlon on th~ fo"!l ~ pe,sub~ct t9 pel'ijllti~ 1ndud111_g fin~~! · Imprisonment, or both. 

Page2of10 

Belnap Attachment A-006 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 7 of 44
BoffowerName _S_c_o_tt_B_e_ln_a~p ________ _ BorrowerSSN ---

SECTION 40: INCOME INFORMATION FOR MARRIED BORROWERS FILING SEPARATELY 

17. Has yow Income slgnlflcantly changed since you 19, Has your spouse's Income significantly changed 

flied your last federal Income tax retwn? since-your spouse flied his or her last fedaral Income 

For example, have you lost your Job or experienced a tax return? 

drop In Income? For example, has your spouse lost a job or 

D Yes•Contlnuetoltem 18. experienced a drop In Income? 

D No -Continue to Item 20. -Provide your most recent federal Income tax D Yes 

retum or transcript. Skip to Item 19. O No- Provide your spouse's most recent federal 

D I haven't filed a federal Income tax retum In the past Income tax retum or transcript. This Information will 

two years• Continue to Item 18. only be used If you are on or placed on the RE PAYE 

Plan. Skip to Section 6. 18. Do you currently have taxable tncome7 O My spouse hasn't flied a federal Income tax return In Check "No" If you have no taxable Income or receive the past two years-Continue to Item 20. only untaxed Income. After answering, continue to Item 

19. 20. Does your spouse currently have taxable Income? 

D Yes-You must provide documentation of your Check "No" If your spouse has no taxable Income or 

Income as Instructed In Section S. receives only untaxed Income. 

0 No. O Yes• Skip to Section 5 and provide documentation 

of your spouse's Income as Instructed In that 

section. This Information will only be used If you are 

on or placed on the REP AYE Plan. 

No~e: Rem~mb,er, any persoh whp knowlng!y.makes a fal\e D No - You are not required to provide documentation st~temen.i ormisrem~n~tfOI'! pn .this.form ~o·,1;,e su'->)ec:t of your spouse's Income. If you selected "Yes" to tope~lti~·!nd~dlng,fJhes, linprls,orim.en~qr:bo~. · , .. : ' Item 18, skip to Section 5 and document your 

Income. If you selected "No• to Item 18, skip to 

Section 6. 

SECTION 5: INSTRUCTIONS FOR DOCUMENTING CURRENT INCOME 

You only need to follow these Instructions If, based on your answers In Section 4, you and your spouse Of applicable) were 

Instructed to provide documentation of your current Income Instead of a tax return or tax transcript. 

This ts the Income you must document: 

• You must provide documentation of all taxable Income you and your spouse (ff applicable) currently receive. 

• Taxable Income Includes, for example, Income from employment, unemployment Income, dividend Income, Interest 

Income, tips, and alimony. 

• Oo not provide documentation of untaxed Income such as Supplemental Security Income, child support, or federal or 

state public assistance. 

This Is how you document your Income: 

• Documentation will usually Include a pay stub or letter from your employer listing your gross pay. 

• Write on your documentation how often you receive the Income, for example, "twice per month" or "every other week.• 

• You must provide at least one piece of documentation for each source of taxable Income. 

• If documentation Is not available or you want to explain your Income, attach a signed statement explalnlng each source 

of Income and giving the name and the address of each source of Income. 

• The date on any supporting documentation you provide must be no older than 90 days from the date you sign 

this form. 

• Coples of documentation are acceptable. 

After gathering the appropriate documentation, continue to Section 6. 

Page3of10 

Belnap Attachment A-007 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 8 of 44
Borrower Name . _S_c_o_tt_B_e_l_n_a.._p _________ _ Borrower SSN 

SECTION 6: BORROWER REQUESTS, UNDERSTANDINGS, AUTHORIZATION, AND CERTIFICATION 

If I am requesting an income-driven repayment plan or seeking to change Income-driven repayment plans, I request 

• That my loan.holder place me on the plan I selected In Section 2 to repay my eligible Direct Loan oi FFEL Program loans held 

by the holder to whkh I submit this form. 

• If I do not quallfy for the plan or plans I requested, or did not make a selection In Item 2, that my loan holder place me on the 

plan with the lowest monthly payment amount. 

• If I selected more than one plan, that my loan holder place me on the plan with the lowest monthly payment amount from 

the plans that I requested. 

• If more than one of the plans that I selected provides the same lnltial payment amount. or If my loan holder Is determining 

which of the Income-driven plans I qualify for, that my loan holder use the following order In choosing my plan: REPAVE (If 

my repayment period Is 20 years), PAYE, REPAVE Of my repayment period Is 25 years), IBR, and then ICR. 

If I am not currently on an Income-driven repayment plan, but I did not complete Item 1 or I Incorrectly Indicated In Item 1 that I 

was already In an Income-driven repayment plan, I request that my loan holder treat my request as lfl had Indicated In Item 1 that I 

wanted to enter an Income-driven repayment plan. 

lf I am currently repaying my Direct Loans under the IBR plan and I am requesting a change to a different Income-driven plan, I 

request a one-month reduced-payment forbearance In the amount of my current monthly IBR payment or $5, whichever Is greater 

(unless I request another amount below or I dedlne the forbearance}, to help me move from IBR to the new Income-driven plan I 

requested. 

D I request a one-month reduced-payment forbearance In the amount of: ------(must be at least $5). 

I understand that: 

• If I do not ptovlde my loan holder with this completed form and any other required documentation, I will not be placed on 

the plan that I requested or my request for recertification or recalculation will not be processed. 

• I may choose a different repayment plan for any loans that are not ellglble for Income-driven repayment 

• If I requested a reduced-payment forbearance of less than $5 above, my loan holder will grant my forbearance request In the 

amount of $5. 

• If I am requesting a change from the IBR Plan to a different Income-driven repayment plan, I may dedlne the one-month 

reduced payment forbearance described above by contacting my loan holder. !fl decline the forbearance, I wlll be placed on 

the Standard Repayment Plan and must make one monthly payment under that plan before I can be placed on a different 

repayment plan. 

• If I am requesting the ICR plan, my Initial payment amountwlll be the amount of Interest that accrues each month on my 

loan until my loan holder receives the Income documentaUon needed to calculate my payment amount. If l cannot afford the 

Initial payment amount, I may request a forbearance by contacting my loan holder. 

• If I am married and I request the ICR plan, my spouse and I have the option of repaying our Direct Loans jointly under this 

plan. My loan servicer can provide me with Information about this option. 

• If f have FFEL Program loans, my spouse may be required to give my loan holder access to his or her loan Information In the 

National Student Loan Data System (NstDS). If this applles to me, my loan holder will contact me with Instructions. 

• My loan holder may grant me a forbearance while processing my application or to cover any period of delinquency that 

e><lsts when I submit my appllcation. 

I authorize the loan holder to which I submit this request (and Its agents or contractors) to contact me regarding my request or my 

loans, fncludlng the repayment of my Joans, at any number that I provide on this form or any future number that I provide for my 

cellular telephone or other wlreless device using automated dialing equipment or artificial or prerecorded voice or text messages. 

I certify that all of the Information I have provided on this form and In any accompanying documentation Is ttue, complete, and 

correct to the best of my knowledge and belief. 

Borrower's Signature Date 

Spouse's Signature Date 

If you are married, your spouse Is required to sign this form unless you are separated from your spouse or you're 

unable to reasonably access your spouse's Income Information. 

Page4of10 

Belnap Attachment A-008 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 9 of 44
SECTION 7: WHER~ TO SEND THE COMPLETED FORM 

Return the completed form and any documentation to: 

or no address Is shown, return to your loan ho!~.) 

SECTION 8: INSTRUCTIONS FOR COMPLETING THE FORM 

Type or print using dark Ink. Enter dates as month-day-year (mm-dd-yyyy}. Example: March 14, 2015 = 03-14-2015. lndude 

your name and account number on any documentation that you are required to submit with this fonn. Retum the 

completed form and any required documentation to the address shown In Section 7. 

If you need help completing this form call: 

Of no phone number Is shown, call your loan holder.) 

SECTION 9: DEFINITIONS 

COMMON DEFINITIONS FOR ALL PLANS: 

Capitalization Is the addition of unpaid Interest to 

the principal balance of your loan. This wlll Increase the 

principal balance and the total cost of your loan. 

A deferment Is a period during which you are 

entitled to postpone repayment of your loans. Interest Is 

not generally charged to you during a dererment on your 

subsidized loans. Interest ls always charged to you during 

a deferment on your unsubsidized loans. 

The Wflllam D, ford Federal Direct Loan (Direct 

Loan) Program Includes Direct Subsidized Loans, Direct 

Unsubsidized loans, Direct PLUS Loans, and Direct 

Consolidation Loans. 

Famlly size always Includes you and your children 

(Including unborn children who will be born during the 

year for which you certify yourfamlly size), If the children 

wlll receive more than half their support from you. 

For the PA YE, JSR, and ICR Plans, family size always 

Includes your spouse. For the REPAVE plan, family size 

lndudes your spouse unless your spouse's Income Is 

excluded from the calculaUon of your payment amount. 

For all plans, family size 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. 

Support Includes money, gifts, loans, housing, food, 

clothes, car, medical and dental care, and payment of 

college costs. Your family size may be different from the 

number of exemptions you claim for tax purposes. 

The Federal Family Education Loan {FFEl) Program 

Includes Federal Stafford Loans (both subsidized and 

unsubsidized}, Federal PLUS loans, Federal 

Consolidation Loans, and Federal Supplemental Loans 

for Students (SLS). 

A forbearance Is a period during which you are 

permitted to postpone making payments temporarily, 

allowed an extension of time for making payments, or 

temporarify allowed to make smaller payments than 

scheduled. 

The holder of your Direct Loans Is the U.S. Department of 

Education (the Department). The holder of your FFEL Program 

loans may be a lender, secondary market, guaranty agency, or 

the Department. Your loan holder may use a servicer to 

handle billing, payment, repayment options, and other 

communications. References to "your loan holder" on this 

form mean either your loan holder or your servicer. 

A partial financial hardship Is an ellglblllty requirement 

for the PAYE and !BR plans. You have a partial financial 

hardship when the annual amount due on all of your ellglble 

loans (and, If you are required to provide documentation of 

your spouse's Income, the annual amount due on your 

spouse's eligible loans) exceeds what you would pay under 

PAYEorlBR. 

The aMual amount due Is calculated based on the greater 

of (1) the total amount owed on eligible loans at the time 

those loans lnrtlally entered repayment, or (21 the total 

amount owed on etlglble loans at the time you lnltlally 

request the PAYE or IBR plan. The annual amount due Is 

calculated using a standard repayment plan with a 10-year 

repayment period, regardless of loan type. When determining 

whether you have a partial financial hardshfp for the PAYE 

plan, the Department wlll Include any FFEL Program loans 

that you have Into account even though those loans are not 

ellglble to be repaid under the PA YE plan, except for. (1) a 

FFEl Program loan that Is In default, (2) a Federal PLUS Loan 

made to a parent borrower, or (3) a Federal Consolldatlon 

Loan that repaid a Federal or Direct PLUS Loan made to a 

parent borrower. 

The poverty guldellne amount Is the figure for your 

state and family size from the poverty guidelines 

published annually by the U.S. Department of Health and 

Human Services (HHS}. If you are not a resident of a state 

fdentlfled In the poverty guldellnes, your poverty 

guideline amount Is the amount used for the 48 

contiguous states. 

The standard repayment plan has a fixed monthly 

payment amount over a repayment period of up to 1 o 

years for loans other than Direct or Federal Consolldatlon 

Loans, or up to 30 years for Direct and Federal 

Consoltdatlon Loans. 

Page 5 of 10 

Belnap Attachment A-009 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 10 of 44
GENERAL FORBEARANCE REQUEST oMe No. 184s-0031 

William D. Ford Federal Direct Loan (Direct Loan) Program /Federal Famlly ~~rmOA~pr;;:12019 Education Loan (FFEL) Program/ Federal Perkins Loan (Perkins Loan) Program ..,."'. a e 

WARNING: Any person who knowlngly makes a false statement or misrepresentation on this form or on 

GFB any accompanying document Is subject to penaltles that may Include fines, imprisonment, or both, under 

the U.S. Crlmlnal Code and 20 U.S.C. 1097. 

SECTION 1: BORROWER INFORMATION 

Please enter or correct the following Information. 

O Check thl~formatlon has changed. 

SSN -

Name Scott Belnap 

Address 

aty 

Telephone - Primary 

Telephone-Alternate 

Email (Optiona0 

SECTION l: FORBEARANCE REQUEST 

Carefully read the entire form before completing It. Answer all questions ln Section 2. Your loan holder has sole 

discretion In whether to grant your general forbearance request, and, If granted, for what period your forbearance 

wJII be applied. Instead of forbearance, you may want to consider requesting a deferment (which has an Interest benefit 

for some loan types) or changing to a repayment plan that determines your monthly payment amount based on your 

Income. Visit StudentAld.gov/JDR for more Information. 

1. I am requesUng a forbearance because I am 

experiencing a temporary hardship related to one of 

the followlng situations (check one): 

• Financial dlfficultles 

•

QChange In employment 

•

Medical expenses 

Other (explain the situation below) 

Page 1 of 4 

2. If approved for a forbearance, I would llke to: 

O Temporarlly stop making payments. 

O Temporarlly make smaller payments of 

per month. 

3• I would like my forbearance to begin with the 

monthly payment that Is due In the month and year 

below: 

4. If approved for forbearance, I would like my 

forbearance to end In the month and year below, 

and begin making payments the following month: 

Belnap Attachment A-010 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 11 of 44
Borrower Name 

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

Scott Belnap Borrower SSN 

SECTION 3: BORROWER/ENDORSER UNDERSTANDINGS, CERTIFICATIONS, AND AUTHORIZATION 

I understand that: 

• I am not required to make payments of loan principal or interest during my forbearance, but Interest will continue to 

be charged on all my loans. 

• My loan holder has sole discretion In whether to grant my general forbearance request and for what dates It wlll be 

granted. 

• For Perkins loans, there Is a cumulative limit on general forbearance of 3 years. For Direct Loans and FFEL Program 

loans, my loan holder may set a llmlt on general forbearance. 

• My forbearance wlll end on the earlier of the end date that I requested, 12 months from the date my forbearance 

begins, or when I exhaust any llmlt that my loan holder has on forbearance. 

• I can request another forbearance after my forbearance ends If I am stlll experiencing flnanctal hardship. 

• Interest may capltallze on my Joans during or at the expiration of my forbearance, but Interest never capitalizes on 

Perkins Loans. 

I certify that: 

• The Information I have provided on thls form Is true and correct. 

• I will provide addltlonal documentation to my loan holder, If requested, to support my gene,al forbearance request. 

• I wlll repay my loans according to the terms of my promissory note, even If my request Is not granted. 

I authorize the entity to which I submlt this request and Its agents to contact me regarding my request or my loans at any 

cellular telephone number that I provide now or In the future using automated telephone dlallng equipment or artlff clal or 

prerecorded voice or text messages. 

Borrower's/Endorser's Signature ______________ _ Date -------- SECTION 4: INSTRUCTIONS FOR COMPLETING THE FORBEARANCE REQUEST 

Type or prlnt using dark Ink. Enter dates as month--day-year (mm-dd-yyyy) or (mm•yyyy) as appropriate. Example: March 14, 

2016 = 03-14-2016. Include your name and account number on any documentation that you may be requested to submit 

with this form. If you want to apply for a forbearance on loans that are held by different loan holders, you must submit a 

separate forbearance request to each loan holder. Return the completed form and any requested documentation to the 

address shown In Section 6. 

If you are an endorser, you may request forbearance only when you are required to repay the loan because the borrower Is 

not making payments. If you have a loan made jolntly with another borrower (as co-makers}, you must both lndlvldually meet 

the requirements for a forbearance and each of you must request forbearance. 

Page2of 4 Belnap Attachment A-011 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 12 of 44
fedloan~ Records CO<!e; 

. U.S. Depanmenl of Education FonnCode: ln'-1 ..... aboat,...... teclera1 lll• denl ...... ~ Version Date *SERVICING 

-

Authorization for Release of Information 

Complete this application and return it to Fedloan Servicing to allow the person(s} stated below to have a<:eess to all 

data contained in your Fedloan Servicing-administered loan or TEACH Grant record for the purposes of assisting 

you in resolving FedLoan Servicing related Issues. 

Section 1: Borrower/Recipient Identification 

Name: Account Number 

Section 2: Third Party Identification 

Party 1: 

Name Relationship 

Street Address: 

City State Zip Code 

Telephone 

Party 2: 

Name Relationship 

Street Address: 

City State I 

---- Zip Code 

Telephone 

Section 3: Borrower/Recipient Authorization and Signature 

I Hereby authorize FedLoan Servicing to release tnrormatlon about my account, Including personally Identifying Information and my 

relationship with FedLoan Servicing to the lndlvldual(s) listed above. I understand and agree that by authorizing Fedloan Servicing to 

release any and all Information to the indlvldual{s) named and listed above. I assume full responsibility for the named lndlvldual(s) having 

access to any Information maintained by Fedloan Servicing relating to me. It Is my responslblllty to revoke my authorlzatlon(s) If at 

any time I no longer wish to authorize Fedloan Servicing to release inforlffiltlon about me to the lndlvldual(s) listed above. I 

ac.knowledge that this authorization allows the named lndlvklual(s) to obtain any/all data/ Information contained In my Fedloan 

Servicing-administered student aid record. I hereby expressly agree that FedLoan Sel'Vlclng shall not be responsible for any damages in 

any form arising that I may Incur ret,ated to my authorlzatlon(s) of FedLoan Servicing to release Information to the lndlvldual(s) listed 

above. Completion of this form also provides permission to accept Information concerning to my address and/or telephone number from 

the lndividual(s) Osted above. this authorization does not apply to the release of lnfofmatlon about me through Fedloan Servlcing's 

website and onllne functionality. This authorization does not release me from my obllgatlon to make payments on my loan(s). 

Date 

Borrower/Recipient Signature 

Send Completed form to: FedLoan Servicing 

P.O. Box 69184 

Harrisburg, PA 17106-9184 

Or Fax to: 717-720-1628 

Belnap Attachment A-012 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 13 of 44
---INFORMATION RELEASE FORM --·····----------

I authorize Navient to release information about my current and any future education loans serviced 

by Navient, orally, in writing, and/or electronically to: 

(Please print or type) 

Name Telephone Number 

Address City State Zip 

Borrower Signature Date 

<Borrower Name> 

This letter was downloaded from Navient.com on the date noted at the top of the letter. Please note that this 

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

Belnap Attachment A-013 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 14 of 44
r 

@el net. EDUCATION PLA!IKINC 

& FINA!ICING 

Release of Authorization Form 

Name: _____________ _ Account Number"': ___________ _ Address: ____________ _ 

City, State ZIP: __________ _ *If you do not have your account number, please provide your Phone number: __________ _ Social Security Number: __________ _ 

Alternate phone number: ________ _ E-mail address: __________ _ 

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

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

and mail or fax to: 

Nelnet 

P.O. Box 82561 

Lincoln, NE 68501-2561 

Fax: l.877.402.5816 

Completed forms may also be scanned and sent via e-mail to nelnetcustomersolutions@nelnet.net. 

Release of Authorization 

I authorize Nelnet to release any information related to my student loan account to 

Individual or agency name (please prinU 

I understand that I may, at any time, withdraw this directive as long as I do so in writing. 

D I expressly authorize Nelnet and its representatives and related companies to contact me about my account 

at any phone number associated with me, including cellular and wireless phones, and to contact me using 

automatic dialing systems, artificial or prerecorded messages, text messages, or e-mail. 

Customer's signature Date 

If you need additional infOfmation or wish to explore Nelnet's many education planning and financing resources, please 

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

Sincerely, 

Nelnet 

00000 P.O. Box 82561 I Lincoln, NE 68501 I p 1.888.486.4722 I f 1.877.402.5816 I www.nelnet.com 

Belnap Attachment A-014 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 15 of 44
l'm- 11-2015 06:36 From: 73164tl8992 

" 

GREAT LAKES 

Representative's Certification as to the Validity 

of lnfonnation Release Consent Form 

By completing this affidavit, 1, the Representative. certify that: 

1. To the best of my knowledge, Borrower h.id the capaoily to and did execute the Information Release 

Consent Form (IRCF) on which I am named Representative; 

2. Borrower has not revoked his/her consent under the IRCF to release lnfoonation to me; 

3. The consent to reloase informaUon to me was not fraudulently obtained; 

4 I understand that the consent granted under the IRCF m3Y he revoked at aoy time orally or in 

writing; and 

5. I understand that this certification is made under penalty of pe1jury. 

Representative's Signature State· _______ _ 

County: _______ _ 

ThlS document was acknowledged before me on ________ ,(date), by 

__________ (name of Representative) 

Given under my hand and seal of office this ____ day of ____ , 20_. 

(Personalized Seal) Notary Public's S~naturc 

Wry commission expires: ________ _ 

Please retum the completed document to: 

Great Lakes • Borrower Services Department 

P.O. Box 7860 

Madison, WI 53707 

OJUIAT U.1-ZS aDVOATIOlfAI, LO.AN SEJlVlCJ:1, INQ, 

MYCJl!,A.TI.411:U.C>».O 

Pu e:J.13 

Belnap Attachment A-015 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 16 of 44
/)_y 

AMERITECH 

- FINANCIAL -

5789 Stace Farm Drive Suite 

26S, Rohnert Park, CA 94928 

Telephone: (800) 792-8621 

Fax: (866)818-9026 

Website: www.AmeriTechFinaocial.com 

Documents: incomc.doc@AmerlTechFinancial.com 

Email: support@AmeriTechFinanciaLcom 

Client Name: Scott Belnap 

Address: 

City, State., Zip Riverton 

Date: 4/2/2018 

UT -

Client#: 

Home Phone: 

Other Phone: 

Thank you for contacting AmcriTecb Financial. Based on the information you have provided to our 

company, we believe that you may qualify for one or more student loan assistance programs offered by 

the United States Department of Education. AmeriTcch Financial (" AF") is a privately owned company 

that helps consumers like you identify programs that may be suitable for their situation, gathers their 

relevant application documents, and then assists them by preparing those documents for review and 

submission. To begin, we need the following information from you: 

I. Please carefully read the enclosed agreement, and make sure that all pages are signed and dated 

where indicated. 

2. With your permission and instruction, please provide your National Student Loan Data System 

federal student identification ("FSA ID") login information, and/ or your most current student 

loan servicer account statement(s). 

3. Please provide a copy of a voided check. along with the attached ACH Authorization Fonns, 

signed by the account holder who is remitting the program payment. 

4. After you have faxed your documents, or provided your FSA ID login, please contact AF at 1-

800-792-8621 ext. 0 and speak to a Client Services Representative to verify all documentation 

has been received. You may also email your documentation to: 

incomc.dgc@AmeriTechFjnancial,com 

5. Be sure to retain a copy of all documents for your records. 

Due 10 the importance of this material and so that we may start working for you as soon as possible, please 

return these documents and, if possible, provide your FSA ID login to ArneriTech Financial via secure fax, 

email to income.doc@AmeriTechFinancial.com, or mail to 5789 State Fann Drive Suite 265, Rohnert 

Park. CA 94928 as soon as possible. 

If you have any questions when reviewing the attached documents, please feel free to contact your 

AmeriTech Financial Client Services Representative directly at l-800-792-8621. 

Sutt Gd#@ Client Signature:_Sc_ot1_.,._1•_•i>_IAi>_•_2.iol'a'i __ a1 ___________ _ Datc:. __ 4_1_212_01_8 __ _ 

Belnap Attachment A-016 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 17 of 44
National Student Loan Data System Access Permission 

Purpose: For AmeriTech Financial to Access My Student Loan Information from Government Databases 

Reason: To Obtain Accurate 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 online 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 permit 

you access to various government websites and allow you to 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 will never share it with third parties. We need this information to complete our contracted 

services, including gathering the relevant, pending loan 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 pennined to review and assist you 

with the services you have requested of us. We will never use this infonnation to sign or submit applications 

for you- you must do that on your own. 

Authoriution: As part of the federal student loan assistance application process, it will be most efficient 

for AmeriTech Financial to access your student loan infonnation within the Student Loan Data System 

("Data System") located online at http:/fwww.nslds.ed.gov. 

The Data System contains a complete list of your federal education loans, along with current estimated 

balances and servicer details- information that is required to complete your application(s). 

By opting in to the AmeriTech Financial Document Preparation and Service Agreement, we request that 

you allow AmeriTech Financial and its agents to access your profile and all the data contained within 

that profile. In order to allow this access, you will need to provide your FSA ID and password. 

Please note that all information that AmeriTech Financial obtains from the Student Loan Data System will 

be used expressly for the purposes of confirming information, assisting in the completion and submission 

of applications, and, if purchased, annual monitoring and validation of your account. 

AcknowJcd1ment 

I have read, understood, and agree to the above statements regarding access to my Data System profile. I 

understand that any information received or accessed will be used solely for the purposes as stated above. 

By signing below, I agree to allow AmeriTech Financial and its agent's access the Student Loan Data 

System and my personal profile as explained above. 

Stott t!IJ/11@ 

Client Signature:._5<_

01_1-_ P_(,\jlt _ 2,_2li_l'aa, _i___________ _ Datc:. __ 4_121_20_1_8 __ _ 

Belnap Attachment A-017 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 18 of 44
AmeriTech Financial Document Preparation and Service Agreement 

: Seation I: CiHeot Information gnement Data:- 4/2/2018 

Clitnt First Name: Scott Clicn1 Last Nome: Be Ina 

rormcr l.nSI Name 

Cl ic:nl l'hoilc 

Seatfon 1:_ <3lleot•s lstfmated Summ~r,y or current lederal Stuclent\Loam 

Tb bull or this M•iury Is dufved fnim tile l• p11l pcvvlded by the client. 

Estimated ToUJI Federal Loan Oalnnce: $ 136000.00 Loan Stalus(cum:nt, delinquent, dc:foult, consolidalcd): Current 

Approximate Current Monthly Puyment: S 1400.00 New Loan Payment Validntion Term: Annually 

Estimated New Loon l'llymcnl: S 175.56 C1J1TCn1 Loan Scrviccrts): navient 

federal Loon Types (Parent+, Dir«I, fFEL, Consolidation, Other): 

Seetfon S: ReqJii'ed Consolidation Af?pUcation Information 

ChcntSSN· 

DL / ID Numb<:r & State. FSA ID & Code: 

Occup,uion: 

Employer City, Suite, Zip: 

Client Stated Family Siz,;:: 6 

Client Stated Tax Filing S1111us: 

FonnofDocumcntcd Income Submitted: Statement of Income 

Spouse first No.me:: Spouse Last Name: 

SpotaseSSN; Spouse 000: 

Spouse Employer Name: Spouse Work Phone: 

Spouse Annual Income: S PSLFCondidatc(Ycs/ No): 0 

AF Program Payment/Fee Amount. AF Program Payment Amount: S Month 1: s 80.00 Month 2 +: S 180.0C 

Bunk Numc: Account Number: 

Account Type (Checking/ Savings): Checkin Rou1ingNumber: 

Nolts: 

This Service Agreement is made and entered into, the date of signing. by and between AmeriTech Financial ("AF''), and 

Client, as stated in Section I, hereinafter referred to as ("Client") residing at address as stated in Section I. Subject to, and 

conditioned upon, the following for the AmeriTech financial Document Preparation and Service Agreement. All infonnation 

above is provided by the Client. 

Client Signature:._~~_o11_f_,~_P_o£f't. _ 1·_1W/ _· 8_) ____________ _ Datc: _____ 41_212_01_a _____ _ 

Belnap Attachment A-018 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 19 of 44
AmeriTech Financial 

Privacy Policy 

AmeriTech financial (hereinafter "Company") is dedicated to protecting your privacy and providing you 

with the highest level of service. This Policy explains what Company does to keep infonnation about you 

private and secure. This Policy covers only information that you provide to Company or that it obtains 

about you from companies that you have chosen to do business with. Please read this Policy carefully and 

contact us if you have any questions. 

Personal Information We Collect 

The personal information we collect about you comes from the following sources: 

• Information we receive from you, such as your name, address, and telephone number, or other 

information that you provide to us over the phone or in documents or applications, 

• Information about your transactions, such as your account balances with your creditors, 

payment histories, account activity, and all other information that may be contained in your 

credit card statements or other reports relating to your debt, and 

• Information we receive from consumer reporting agencies and other sources, such as your 

credit bureau reports, collection agency reports or other communications, and other information 

relating to your payment histories, creditworthiness, annual income, or ability to satisfy your 

obligations. 

We will not sell or transfer your personal information to third parties for any purpose in our sole discretion. 

We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving 

you the opportunity to opt-out. We may disclose such infonnation in order lo effect or carry out any 

transaction 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 as pennitted or required by law, 

such as to protect against fraud or in response to a subpoena. We may also share or transfer our information 

in the event we transfer or sell your account or our business assets to another provider. 

By carrying out those services, we may disclose your information, as we see fit and as pennitted by law, to 

your creditors, credit card companies, collection agencies, banks, and other entities and individuals 

specifically necessary to effect, administer and perform our services. 

Your Choices/ Opt-out 

We provide you the opportunity to 'opt-out' of having your personally identifiable information used for 

certain purposes. By providing information to Company you are consenting to the collection, use and 

disclosure of such personal information in the manner described in this privacy policy. We provide you the 

opportunity to withdraw your consent when such information is collected. 

Such consent may be withdrawn by calling the telephone number provided below or may be done in 

writing/email and sent to our customer service department at the following physical address or email 

address: 

Belnap Attachment A-019 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 20 of 44
AmeriTecb Financial 

S789 State Farm Drive Suite 26S, Rohnert Park, 

CA 94928 

Irby email: support@AmeriTecbFioancial.com 

lfby phone: 1-800-792-8621 Extension: 0 

How We Protect Your Information 

We train our employees to protect all customer information. We maintain physical, electronic and 

procedural controls that comply with government standards. We authorize our employees, agents and 

contractors to get infonnation about you only when they need it to do their work with us. You can help to 

maintain the security of your on line transactions by not sharing your personal infonnation or password with 

anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is I 00% 

secure. 

This policy applies to current and fonner customers. If you have any questions, please contact AmeriTech 

Financial at 5789 State Farm Drive Suite 265, Rohnert Park, CA 94928 

J'cptt ptW!tll:J Client Signature:_s._011_a._,"•P_ _<Ai> __ ' 2•_2'or.l_ ,_> ___________ _ Datc: ___ 4_121_2_0_1_a __ _ 

Belnap Attachment A-020 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 21 of 44
AmeriTech Financial 

Complaint Policy 

Our goal at AmeriTech Financial is to provide exceptional service to our Clients. While every effort is 

taken to ensure we treat our Clients in a fair, courteous, and honest manner, sometimes our Clients have 

special inquiries that require our immediate attention. 

We believe that our Clients have the right to raise a complaint, and the right to have their complaints 

addressed immediately. We also believe that a successful organization must be willing to evolve in an 

effort to meet the needs of its Clients. Therefore, we have established a complaint process for Clients who 

are unsatisfied with the service or treatment they have received. 

How to Initiate a Complaint 

In the event you are unsatisfied with our service, please initially direct your comment or complaint 

directly lo the employee or team which is responsible for your dissatisfaction. If the individual employee 

cannot resolve the matter, we will quickly engage the relevant Manager or Director to resolve your 

matter. 

We always attempt to resolve your concerns at the first point of contact. However, if you are not satisfied 

with the resolution, you may then notify our Compliance Officer directly in writing at: 

I. Compllancc@AmcriTechFinanciaLco 

m 

2. 1-800-792-8621 Extension: 0 

3. AmeriTcch Financial 

Attention: Compliance Officer 

5789 State Farm Drive Suite 265, 

Rohnert Park, CA 94928 

Please include the ronowjng in your written corr;espoudepce 

I. A clear description of the complaint and any suggestions you may have that would resolve your 

grievance. 

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 to a reply you were not satisfied with. 

4. Your complete contact information (including full postal address, telephone number, and email 

address) and your date of birth (for verification purposes). 

Whut to Expect 

We strive to resolve all complaint inquiries as quickly and efficiently as possible. You can expect to 

receive a response from us within 2 business days after we receive your complaint. If your case is 

particularly complex and cannot be resolved within 2 business days, we will provide you with an 

estimated time in which you should expect to receive such resolve. Thank You. 

Belnap Attachment A-021 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 22 of 44
Limited Power of Attorney 

To: Any and all of my Student Loan Creditors: 

l, hereby duly authorize, empower and appoint AmeriTech Financial of 5789 State Farm Drive Suite 

265, Rohnert Park, CA 94928 its agents and representatives ("AF") permission to perform any acts 

necessary or convenient, including but not limited to, the following on my behalf: 

I. To communicate with any and/or all of my providers and their servicing agencies to obtain information 

on my student loans. 

2. Prepare, sign, and file with my prior approval any documents pertaining to my student loans with any 

governmental body or agency. 

3. To communicate with banks, creditors, financial institutions, licensed collection agencies, and all other 

related entities and individuals relating to my federal student loans, including but not limited to the balance 

of my account, payment history verification of the account, financial adjustments, and any and all necessary 

communications, correspondence, and negotiations regarding my account(s). I assert that all of the 

information that I have provided and will provide AF is true and accurate. 

4. I hereby authorize third party communication from banks, creditors, financial institutions, licensed 

collection agencies, and all other related entities and individuals relating to my federal student loans to 

communicate direclly with AF concerning my account or the collection activities associated with it, in 

accordance with Section 805(b) of the Fair Debt Collection Practices Act. 

J understand that AF is not a law finn, is not licensed to practice law or provide legal advice and that I will 

not request or accept, any legal advice from AF relating to my personal financial situation. 1 expressly 

agree to waive, forgo, indemnify and defend any claim against the AF relating to the practice of law. I 

understand that any creditor or collection activity, demands, or lawsuits are unrelated to my enrollment in 

the AF' program. 

I agree that electronic or facsimile copy signature shall be deemed original and is an authorization by me 

for all lawfully enforceable purposes. 

This Limited Power of Attorney shall remain in force until or unless modified or rescinded in writing, or 

upon resolution of the current matter. 

Executed On 412 18 (Date): ___ _ _f2_0_____ _ 

Applicant Signature: 'df!{5;/'/fj!,flt Applicant SSN: 

Applicant Name: Scott Belnap Applicant DOB: ____ / 

Belnap Attachment A-022 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 23 of 44
Date: 4/2/2018 

Name & Address: Scott Belnap 

To whom this may concern, 

To the best of my knowledge, my current annual gross income for this year 

will be 

Thank you, 

Sutt Celh~ Signed,,ottB•ln•p(AprUtt) 

Print: Scott Belnap 

SSN: 

Belnap Attachment A-023 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 24 of 44
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 perfonn, 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 infonnation from Client, AF shall promptly analyze Client's Federal 

Student Loan debt situation, review the infonnation 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 

pre-consolidation 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. 

4. Documents Service Agreement and Monthly Cost Authorizalion. 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/A CH 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 lo remain in full force and effect until AF has received written notice from 

Client of its tennination 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 stale law), the amount of which may be 

debited from Client's account. 

S. 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. Belnap Attachment A-024 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 25 of 44
6. Indemnification and Hold Harmless. Client hereby agrees to defend and hold hannless 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 

infonnation to AF, Client's lack of authority or ability to complete tenns 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 tenninalion 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, tennination, enforcement, interpretation, conscionability or validity thereof, including any delennination of the scope 

or applicability of this agreement to arbitrate, shall be determined by arbitration in Sonoma County, California or In 

the county in whkh the consumer resides, in accordance with the Laws of the State of Calirornia 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 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 

tennination. 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, 5789 

State Fann Drive Suite 265, Rohnert Park, CA 94928. 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 th.at he/she has read, understands and 

agrees lo 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 collateraJ 

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. 

IO. 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 lo 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 infonnation 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 fonn of credit repair, credit score enhancement, or debt relidiap Attachment A-025 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 26 of 44
12. Legal Authoriz.ation Form: This fonn 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 Disdosures 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 A F's service at any time without penalty; and if Client 

withdraws from A F's service, he or she will 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 perfonn. Client will designate an account for program 

savings funds and such dedicated account is independent from AF. Client selects: 

JlLFDIC Insured Bank thru Reliant Account Management, LLC 

D Another account of Member's choosing 

Payment lnfonnRtion 

BY SIGNING BELOW (ELECTRONICALLY OR PHYSICALLY), I HEREBY ACKNOWLEDGE THAT I HAVE 

NOT BEEN ADVISED BY AMERITECH FINANCIAL, ANY OF ITS AGENTS, AND/OR AFFlLIA TES 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 HA VE 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, 

HA VE 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 tenns and conditions of 

the Document Preparation and Service Agreement. 

Client Name: Scott Belnap 

s.ltt?tt Ge/Jtt11J Client Signature:_Sc_ .. ,_-._•111>_•_1. 10_& _______ Datc of Birth: ___ _ 

Driver License Numbcr:, _________ Social Security Number: ---

For; Ameriicch fioaucjal C" Af"> 

By: ~ KruclcerlxxJ::er 

Title: Administrative Representative 

Belnap Attachment A-026 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 27 of 44
NOTICE OF CANCELLATION 

You may cancel this transaction, without any penalty or obliglltion whatsoever, within three business dnys or the day in 

which you enroll for this service. 

If you cancel, all payments or other considcratfoa which may have already been made by you will be returned wllbla ten 

business days following receipt by the lclcphonc solicitor or your cancellation notice. 

If you cancel, you must return the goods to thc tclcphone solicilor at the 11dtlress listctl bclow und at the telephone 

solicilor's risk and c,ipcnsc within twenty days of the dulc you receive bnek from the telephone solicitor the payments or 

considtration you have already made. 

To cancel this trannctlon, deposit In the mail or deliver a signttl and dalctl copy of Ibis cnnccllallon notice or any other 

wrillcn notil:c to AmcriTcch Financial at 

AmcrfTcch Financial 

c/o Calomtr Scrvicc Dc:partmcnl 

5789 Slate F1mn Drive Ste. 265 

Rohncrt Park, CA 94928 

Not Inter thon midnighl of the third businl:lis tlay artrr which you rctcivcd this notice. 

I hereby unccl this tran~action. 

(Client's signature) 

(Print Name) 

(Dale) 

Belnap Attachment A-027 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 28 of 44
NOTICE OF CANCELLATION 

You u1ay cancel this transaction, without any ptnalty or obligation wbatJOever, within three business days or the day in 

which you enroll for tbis sel'\llce. 

If you cancel, all paymeats or other consideration which m11y have already been made by you will be returned within ten 

business days following receipt by the telephone solicitor or your cnncellation notice. 

If you cancel, you must return the goods to the telephone solicitor 111 the address listed below and at the telephone 

solicitor's risk and expense within twenty days or the date you receive back from the telephone solicitor the payments or 

consillerution you have already made. 

To cancel this tnuuaction, deposit in the m11il or deliver a signed and dated copy of this cancellaeion notice or any other 

writlen aotke to AmenTeeh Financial at 

AmeriTech Financial 

c/o Customer Service Department 

5789 State Farm Drive Ste. 265 

Rohnert Park. CA 94928 

Not later than midnight of the third business day lifter which you received tbis notice. 

I hereby cancel this transaction. 

{Client's signature) 

(Print Name) 

(Date) 

Belnap Attachment A-028 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 29 of 44
Financial Education Benefits Center Program Enrollment and Student Loan Financial Education Kit Agreement 

Congratulations! We are excited that you have taken the first step in improving your finances through our Financial 

Analysis & Evaluation, Student Loan Financial Education Kit and your enrollment into the Financial Education Benefits 

Center Program because gening the right tools and education will save you time and money. We believe that by 

purchasing the Financial Education Benefits Center Program and Student Loan Financial Education Kit, you have taken 

the first steps in changing your financial life. These financial tools and benefits were built on proven strategies, methods, 

and exercises that we have coupled with the Financial Education Benefits Center Program to help you begin achieving 

financial independence today and give you the greatest opportunity for improving your financial position forever. 

This Financial Education Benefits Center Program and Student Loan Financial Education Kit Agreement which includes a 

personal financial budgetary analysis, access to the Financial Education Benefits Center portal, access to official forms and 

useful documents, access to printable legal documents and templates, resume and cover letter documentation, tools for 

keeping a budget, access to dozens of educational and useful web links, access to useful financial calculators, three part 

Student Loan financial Education Kit how to book series, electronic educational video compilation, do it yourself printable 

forms, outside tax preparation and assistance, Life Lock identity theft protection, a Better World Club Express Road 

Service membership, everyday discount benefits solutions, as well as credit repair assistance through the Credit Pros 

International, (sometimes collectively referred to as the "Membership Plan") is entered into on the date shown below 

between The 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. FEBC is a 

private company, not affiliated with any government agency and is not a law finn. It assists members understand matters 

affecting their finances through individual support and educational services and provides membership benefits as listed 

below. In exchange for its fees for services as described herein, FEBC will provide the following products and continuous 

services as part of its Financial Education Benefits Center Program and Student Loan Financial Education. 

Client fa.fnca«utau 

Clie11t Full Name: Scott Belnap 

C/ieut Best Contact Phone Number: 

C/ie11t Best Maili11g Address: UT 

Your Financial Education Benefits Center Program & Student Loan Financial Education Kit Summary: 

One on One FEBC Program Consultation: we provide an explanation of what to expect from our products 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 

student 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 needhelp. 

Access to Official Forms and Useful Documents: a library of important documents and fonns 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 document archive that will become a valued resource for you 

when you need it. 

Resume and Cover Letter Documentation: several professional resume and cover letter templates are at your disposal, 

helping you to be even more competitive in the job market. 

Copyrighted Three Part Student Loan Financial Education Kit How To Educational Book Series: explains the ins 

and outs of student loans and includes important application instructions, every student loan bylaw and techniques on how 

to properly manage your own student loan situation yourself. A complete do-it yourself solution to handling student loans. 

Tools for Keeping a Budget: you will receive access to the budgetary tools that cater most to your lifestyle and will help 

you to save money through leveraging your income over your expenses. 

Belnap Attachment A-029 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 30 of 44
Access to Dozens of Educational & Useful Web links: from legal document databases to tax and mortgage calculators, 

this interactive forum will allow you to access useful resources that will help to simplify your life. 

Financial Calculators: provides financial calculations pertaining to different financial matters arising in your life such as; 

truces, insurance, credit card payments, and much more. 

Electronic Educational Student Loan Video Compilation: hours of how to videos teaching you the intricacies of 

federal student loans, budgeting for yourself and your family, and tips on how to properly save and invest your money. 

Do It Yourself Printable Forms: Everything you need in one place. Our forms are categorized as Business and Personal 

Finance (statement templates/calculators), Employment, Government Contracting (RFQs, NDA templates), Lease 

Agreement templates, Small Business, State Truc Forms, and Student Loans forms for your use. 

The Membership Plan also includes the following services and/or memberships from third parties: 

Tax Preparation Services: FEBC will pay a third party company to prepare and tile one or all of the following tax 

documents for you, individually: (1) individual tax return; (2) Schedule C; (3) Schedule D; ( 4) k-1; and (5) one extension. 

Life Lock Identity Theft Protection: Advantage Package: receive identity threat detection alerts, lost wallet protection 

and less junk mail by utilizing this valuableservice. 

Better World Club Express Road Service: One of the nation's most prominent roadside assistance providers, Better 

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, fuel delivery, and winching. along with offering 

thousands of additional discounts for hotels, car rentals, and more. 

Credit Repair Assistance through The Credit Pros International: each active Member wilt be en~itled to a discounted 

one-on-one credit audit and consultation free of charge to assess your credit repair needs as well as receive a deep, 65% 

discount for monthly services. This is a huge value for all your credit repair needs. You will have direct access to our third 

party affiliate company, The Credit Pros International, 10 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 plans 

that you can use to save money on your normal day to day purchases. These benefits include medical and wellness 

discounts, food and grocery savings, entertainment discounts, twenty four hour Telemedicine through AmeriDoc, and 

many more opportunities to keep more money in your pocket each month. 

Authorization Fees for Membership Plan & Refund Policy. Subject to the Tenns and Conditions of this Agreement and 

the description above, the purchaser of the Financial Education Benefits Center Program and Student Loan Financial 

Education Kit (the "Member") hereby authorizes Financial Education Benefits Center to debit the bank account listed below a 

onetime enrollment fee of$ 100.tfor the membership plan. The total charge for the fixed term of 12 months of access to the 

membership plan benefits is S 11st Thereafter, Member will continue to be automatically charged$ 99. per month as a 

month to month renewal fee until such time as Member tenninates the membership plan or unless FEBC provides written 

notice to Member al the address listed on the accompanying ACH authorization that it is changing the monthly dues. The 

enrollment fee and all membership aues are subject to applicable state sales tax and monthly dues may be increased upon 

thirty (30) days written notice to member at the address listed below(or as later amended by Member) after the first year. The 

Membership Plan shall be automatically renewed on a month to month basis until cancelled by the Member. Should Member 

desire to cancel his/her membership, Member must provide written notice of your cancellation request at least ten ( I 0) 

business days prior to the next scheduled draft date or else Member will be charged an additional month's membership 

payment. If a payment is declined by Member's bank, Financial Education Benefits Center may attempt to again process this 

payment at a later date, typically within 72 hours. No products will be shipped or services provided until payment is 

confirmed. Member fully understands that Member is purchasing a Financial Education Benefits Center Student Loan 

Financial Education Kit and enrolling into the Financial Education Benefits Center Program through Financial Education 

Benefits Center. The program includes monthly membership programs offered and provided exclusively by outside companies 

including, but not limited to, outside truc preparation services, Life Lock identity theft protection, Better World Club Express 

Road Service membership, FEBC everyday discount benefits solutions, and The Credit Pros International. FEBC has the 

right to substitute the primary product(s) with an alternative product(s) of equal value. All transactions will appear on 

Member's bank statement(s) as "FEBC." Financial Education Benefits Center offers a 100 percent satisfaction guarantee or 

money back for those members who request in writing within 30 days from the date of purchase. Thereafter members may 

also request a refund from the date of purchase. However, Financial Education Benefits Center reserves the right to detennine 

a reasonable refund amount. If Member has any questions about Member's payment or wishes to tenninate this 

Belnap Attachment A-030 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 31 of 44
agreement, Member may contact Financial Education Benefits Center directly at 1-800-953-1388 extension 0, or 2010 Crow 

Canyon PL Suite 100, San Ramon, CA 94583. 

Terms and Conditions of Agreement1 

Aside from its personal one on one consultation, FEBC provides an online portal to give visitors a general understanding 

of the law, financial/budgetary matters, resume building, and official and legal fonns and to provide an automated 

software solution to individuals who choose to prepare their own legal/financial/business-related documents. The portal 

and other included services referenced above include general infonnation on commonly encountered legal, financial and 

business issues. FEBC and its Services are not substitutes for the advice of attorneys and financial/tax professionals. The 

membership plan also includes outside tax preparation services, Life Lock identity theft protection, Better World Club 

Express Road Service membership, and FEBC everyday discount benefits solutions, and The Credit Pros International 

("Separate Services"). The provisions of the Separate Services are the responsibility of those respective companies. 

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general information or legal tool like the kind FEBC provides can fit every circumstance. Furthermore, the legal 

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Therefore, if you need legal advice for your specific problem, or if your specific problem is loo 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 obtain the advice of professionals in such matters. 

1. Privacy Policy. FEBC respects your privacy and permits you to control the treatment of your personal information. A 

complete statement of FEB Cs current Privacy Policy is contemporaneously being provided to you and is expressly 

incorporated into 

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this Agreement by reference . 

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4. Links to Third Party Sites. This Site and Applications may contain links to websites controlled by parties other than 

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does not endorse or accept any responsibility for the availability, contents, products, services or use of any Third Party Site, 

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any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the links. 

1 In these Tenns and Conditions of Agreement, lhe words "you" and "your" refer to each Member as described above. "We", "us", 

and "our" refer to Financial Resource Service Center. 

Belnap Attachment A-031 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 32 of 44
You acknowledge that you bear alt risks associated with access to and use of content provided on a Third Party Site and 

agree that FEBC is not responsible for any loss or damage of any sort you may incur from dealing with a third party. You 

should contact the site administrator for the applicable Third Party Site if you have any concerns regarding such links or the 

content located on any such Third Party Site. 

5. Use of our Legal Forms. On our portal and through certain partners, we offer self-help ''fill in the blank" forms. You 

understand that your purchase of these services, downloading, and/or- using form documents is neither legal advice nor 

the practice of law, and that each form and any applicable instructions or guidance is not customized to your particular 

needs. 

License Co Use. 

FEBC grants you a limited, personal, non-exclusive, non-transferable license to use our fonns (the "Forms") for your own 

personal, internal 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, edit, copy, reproduce, create derivative works of, reverse 

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Forms for your authorized use. You shall not remove any copyright notice from any Form. 

Resale of Forms Prohibited. 

By downloading Fonns, you agree that the Forms may only be used by you for your personal or business use or used by 

you in connection with you or your client and may not be sold or redistributed without the express written consent of 

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6. Use of Third Party Services. Your membership plan includes monthly memberships and services with third party 

companies who are responsible for providing their services under their own plans. You understand that if you have any 

issues with their services, such matters should be addressed directly with the company responsible for the provision of 

such services. 

7. DISPUTE RESOLUTION BY BINDING ARBITRATION. 

Important Limjtation on Copsumer BJeJ1ts- Mandatory Arbitration Bequjrcmept 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 rcsidest In accordance with the Laws of the State or 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 arbitr.itor 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 havingjurisdiction over the parties. If either party fails to comply 

with the arbitrator's award, the injured p~ may petition the circuit court for enforcement. The parties agree that 

either party may bring claims aplnstthe other only in bis/her or its individual capacity and not as a plaintiff or 

class member in any purported class·or.reprcscntative 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 lo 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 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: FEBC, Attn: Customer Service, 2010 Crow Canyon PL Suite 100, San Ramon, CA 94583. 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. 

Belnap Attachment A-032 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 33 of 44
8. NO WARRANTY. THE ONE-ON ONECONSULTATlONS, THE PORTAL, APPUCATJONS, AND ALL 

MATERIALS, DOCUMENTS OR FORMS PROVIDED ON OR THROUGH YOUR USE OF THE PORTAL ARE 

PROVlDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BYLAW, 

FEBC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, 

INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A 

PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT CONCERNING ALL MEMBERSHIP BENEFITS 

FOUND WITHIN THE PORTAL AND THOSE SEPARATE SERVICES OUTSIDE OF THE PORTAL, INCLUDING, 

BUT NOT LIMITED TO, OUTSIDE TAX PREPARATION SERVICE, LIFELOCK MEMBERSHIPS, BETTER 

WORLD CLUB ROAD SERVICE MEMBERSHIPS, CREDIT REPAIR ASSISTANCE FROM THE CREDIT PROS 

INTERNATIONAL AND FEBC EVERYDAY DISCOUNT BENEFITS SOLUTIONS. 

FEBC MAKES NO WARRANTY THAT: (A) THE PORTAL, APPLICATIONS, THE MATERIALS, OR THE 

SEPARATE SERVlCES WILL MEET YOUR REQUIREMENTS; (8) THE PORTAL, APPLICATIONS, THE 

MATERIALS, OR THE SEPARATE SERVICES WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, 

SECURE OR ERROR-FREE BASIS; (C) THE RES UL TS THAT MAY BE OBT A1NED FROM THE USE OF THE 

PORT AL, APPLICATIONS, OR ANY MATERIALS OFFERED THROUGH THE PORTAL OR APPUCA TIONS, 

WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION 

OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE PORTAL, APPLICATIONS, THE 

MA TERJALS, OR THE SEPARATE SERVICES OR IN RELIANCE ONTHE MATERIALS WILi,; MEET YOUR 

EXPECTATIONS. 

OBTAINING ANY MA TERI A LS THROUGH THE USE OF THE PORTAL JS DONE AT YOUR OWN DISCRETION 

AND AT YOUR OWN RISK. FEBC SHALL HA VE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR 

COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, 

MATERIALS, INFORMATION OR SOFTWARE. 

NOTWITHSTANDING THE ABOVE, FEBC OFFERS A 30 DAY SATISFACTION GUARANTEE. 

9. LIMITATION OF LIABILITY AND INDEMNIFICATION. EXCEPT AS PROHIBITED BYLAW, YOU WILL 

HOLD FEBC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS FOR ANY 

INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES 

(INCLUDING ATTORNEYS' FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND 

ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION 

IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, 

OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION 

ANY CLAIM FOR PERSONAL INJURY OR.PROPERTY DAMAGE, ARISING PROM THIS AGREEMENT AND 

ANY VIOLATION BY YOU OF ANY FEDERAL,.STATE, OR LOCAL LAWS, STATUTES, RULES, OR 

REGULATIONS, EVEN IF FEBe HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH 

DAMAGE. EXCEPT AS PROHIBTFED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF FEBC, IT 

WILL BE LTMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO 

CIRCUMSTANCES Wll,LTl:IERE BEc;;ONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT 

ALLOW THE EXCLUSION OR blMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, 

SO THE PRIOR LIMITATIONORp{€LUSION 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 Progr.im and Student Loan Financial Education Kit, you agree to obey the law and 

you agree to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed 

by and subject to laws regarding copyright, trademark and other intellectual property ownership. You agree not to upload, 

download, display, perform, transmit or otherwise distribute any information or content in violation of any third party's 

copyrights, trademarks or other intellectual property or proprietary rights. You agree to abide by laws regarding copyright 

ownership and use of intellectual property, and you shall be solely 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 useraccount. 

11. Entire Agreement. By virtue of Member's signature below, Member 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 

Belnap Attachment A-033 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 34 of 44
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. 

12. Cancellation Policy. Member may cancel this contract within thirty (30) days of signing and receive a full refund for 

all products and services purchased. Thereafter, Member may also request a refund from the date of purchase. However, 

FEBC reserves the right to detennine a reasonable refund amount. 

Terms of Agreement for Payment: 

Financial Education Benefits Center, located at 2010 Crow Canyon PL Suite I 00, San Ramon, CA 94583, is authorized 

to deduct a scheduled payment from Member's checking or savings bank account as specified below and may make 

adjustments if errors have occurred during the transaction. In the event that Member's draft is returned unpaid for any 

reason, Member agrees to pay all past due balances immediately and the current month's payment amount. The date of 

the draft is listed above, however if the draft date falls on a weekend or bank holiday, the debit transaction will take 

place on the next business day. The company has the right to substitute the primary product(s) with an alternative 

product(s) of equal value. This authority will remain in effect until Financial Education Benefits Center is notified by 

Member in writing by either email to; support@febcp.com or by fax to 1-866-936-0795 at least ten ( I 0) business days 

prior to the next scheduled draft date. For questions regarding your payment, you may also contact us directly at 1-800-

953-1388 extension 0. No other forms of cancellation by Member will be tlonored. The reversal of funds from a 

Member's account that was drafted in error cannot be made until seven business days from the draft date. The Member 

agrees to waive alt rights of reversal or refusal of any payment on any draft that Financial Education Benefits Center may 

make against the bank account during the time Member is actively enrolled. The Member agrees with all of the 

provisions and conditions outlined herein. The Member further agrees to hold Financial Education Benefits Center, its 

directors, employees, officers, 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 returned for insufficient funds. 

ACKNOWLEDGMENT 

As indicated by my signature below, I acknowledge that I have read, understand and agree to the tenns and conditions of 

the Financial Education Benefits Center Program and Student Loan Financial Education Kil (the "Membership Plan"), 

including the Terms of Agreement for Payment. 

Member Namc: .... S __ c_o_tt_B_e_ln_a.,.p ________ Executed On thisDate:_4_/_2_/2_0_1_8 ____ _ 

MemberSignaturc:. ____________ Datc of Birth: ____________ _ 

Driver LicenS(?·Number:..,------~----....;Social Sei:urityNumber: ________ _ 

Eor; Fipaneial Education Benefits Q:otec e4FEBC") 

By: JenniferMarr~ 

Title: Administrative Representative 

Belnap Attachment A-034 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 35 of 44
NOTICE OF CANCELLATION 

Yo11 moy c:anccl this truns11ceion1 without any pc:nulty or obligation whatsoever, within thne business cllys or the day in 

which yo• enroll ror this service. 

If you cancel. all paymcnl~ or other consideration whitb may have already bcca made by you will be returned within ten 

business duys rollowlng rtcelpl by the telephone solicitor or your cancellation nolicc. 

If you uncel, you must return Che goods Co Ckc telephone solicitor at the address Jistcd below and ut Che telephone: 

solicitor's risk ond expense within t,vcnty days oflhc dote you ~Ive back rrom the telephone solicitor tkc payments or 

consideration you have already made. 

To uncel this tn1nsaetion, deposit in the mail or deliver 11 signed and dated copy or this cancel111tion notice or any other 

written notice to Financial Educiuion Benelits Center al 

Finnncial Education Benefits Center 

c/o Customer Service Deportment 

2010 Crow Canyon PL Suite 100, 

San Ramon, CA 94583 

Not later than midnight or the third business day 11fter which you received this notkc. 

I hereby cancel this traasaction. 

{Client's signuture) 

(Print Name) 

(Dote) 

Belnap Attachment A-035 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 36 of 44
NOTICE OF CANCELLATION 

You may Cllncel this transaction, without any penalty or obligation whatsoever, within three business days of the day in 

which you enroll for Chis service. 

If you cancel. all payments or other consideration which may have already been made by you will be ntumcd within ten 

business days following r«cipt by the telephone solicitor of your cancellation notice. 

Ir you cancel. yoa must return a•e goods co the telephone solicitor at the address listed below and at the telephone 

solicitor's risk nnd expense within twenty dnys of the date you receive back rrom the telephone solicitor Ilic 1111ymcnts or 

considcntion you have already matle. 

'l'o cancel this tnmsaction, deposit in the mail or deliver a signed and dated copy of this cancellation notice or any other 

written notice to Financial Education Benefits Center 111 

Financial Education Benefits Center 

c/o Customer Service Department 

2010 Crow Canyon PL Suite 100, 

San Ramon, CA 94583 

Not later than midnight of the third business dny after which you received this notice. 

I hen:by cancel this transaction. 

(Client's signature) 

(Print Name) 

(Date) 

Belnap Attachment A-036 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 37 of 44
Financial Education Be11ejits Center Program Enrollme11t and Student Loan Financial Education Kit Agreement 

Electronic Funds TrallS/er (EFT) Authoriiation 

ACH ACCOUNT AUTHORIZATION 

I, Scott Belnap , the Member, hereby authorize the Financial Education Benefits Center (the 

"Company") to charge or debit my checking account (or savings account) at the financial institution named below (my 

"Primary Bank Account") the monthly fees pursuant to the Financial Education Benefits Center Program and Student Loan 

financial Education kit agreement. In addition to an initial one time enrollment fee of10Q.Membership Program Fees totaling 

$1188 for a 12 month fixed tenn will be automatically processed as monthly payments of$ 99.0Qis set forth in the Financial 

Education Benefits Center Program and Student Loan Financial Education kit agreement (the "Membership Plan"). My 

enrollment in the Membership Plan will be automatically renewed on a month to month basis at a cost of31.C until cancelled 

or unless Company provides thirty (30) days' notice to the address below that it will be increasing the monthly dues, in which 

case the new sum shall be automatically processed. I represent that my Primary Bank Account exists; that I own it; and that I 

will maintain sufficient funds in it to permit the debits to clear on the applicable dates. I understand that if a payment is returned 

for any reason I acknowledge that I am subject to a rejected item fee of $20 or the maximum amount allowed by law in addition 

1p any charges made by my bank._lf I have questions about my payment or wish to cancel my monthly membership, I can 

contact FEBC at 1-800-953-1388, or 2010 Crow Canyon PL Suite 100, San Ramon, CA 94583. This authority will remain in 

effect until either party tenninates this agreement and affords Financial Education Benefits Center and my bank a reasonable 

period of time to act on it. 

IZI I authorize the Company to debit (via ACH) my checking account (savings account) for monthly payments and an initial 

enrollment fee for the program fees for services in accordance with the tenns of the Financial Education Benefits Center 

Program and Student Loan Financial Education kit agreement. I understand that charges declined by the issuing bank could 

constitute grounds for cancellation of the Membership Plan. 

Please complete all of the applicable information. 

Your account cannot be processed if incomplete. 

Account Holder Name .............................. Scott Belnap .:----------------------------

Billing Street Address: 

City: Riverton State:. ____ .;:;U"""'T ____ .Zip: ---

ACH payment/ check the type of bank account: IZI Checking Account 0 Savings Account 

Depository ("Bank") Name 

Routing Number (9 digits) ________ Account Number __ ________ _ 1 

@£t!@$1 4/2/2018 

Signature of Account Holder Date 

***Please retain a copy of this document as your receipt of purchase••• 

Belnap Attachment A-037 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 38 of 44
,R 

I, I ' , • , ' , 1 

ACCOUNT SERVICING AGREEMENT 

TM, Agreement sets forth the terms o( w acxount management services offered to the parson or persons r.lgning below ("Customitr"l by lleliant Account Man.igemenL LlC, 

C,)liforni.l limited li.lbi'ty company. 

RAM is in the business of processing p.,yrnents to and from a 11\1$1 acccxmt (Including ele<tronlc and automatic transfer;), malting disbursemenu as directed. and providing on• 

line transaclion and accounting information related thl!l'l!to (collectively "Se!,,ices'). lor clients Student loan Company RAM is not an owner. e"1>loytt. or partner of any 

Student lo.m Comp;,nies and provides the ~n,ices to Customer as .m independent third party. 

APPOINTMENT 

Customer authorius RAM to colle<t and deposit payments eus10rner has agreed to make under Customers Swdent Loan Company (SLC) ("Agent") and to initiate transfers from 

Customer's account indi(-,ted below at the depository financi.tl institution named bltlow, and to deposit and hold Customer's funds in a ll\lst account ,nt.abfished and servi~ 

by RAM. Customer autho~s RAM to sh4re infonnaticn with Agent llboul account balances and transactioM. answer quesliom. and have amm ele<1ronlcally to =lew all 

Customer information without itwolvemen1 ol Customer. FeM due to Agent may be by a dr.tfl sep.irate and dminct from the draft of any other amounlS that may bit drifted 

ul'lder Custome(s Student loan/Oocurnenl Prep. P<Ogram. CU$tOmer a9rees the trust account is non-interest bearing and may be loc.ated in Calilomia or any other state of 

RAM's choice. Customer ogrus ttlat RAM wi 1 disburw from Customers funds the then t\lrrent senrice lees as stated below. those of Agenl and such other disbursemEflts 

(including senleme11t payments lo Customer's creditorsl, as dirttted by Customer or AgenL Customer may withdraw appro11al for any specifoc: disbursement whether made 

direc:tly or throlJ9h Agent by providing written no~ce lhll!e 13) days belott the scheduled disblmemenL If Customer fails to notify RAM timely, or RAM docs not rec~e l\Ctuaf 

notice, ttie disbu~ment will be autcmatially pn,ceued and RAM will ~ no l~nity for thl! l)ajlfflefll ma~. Cus1omer may revoke this Appointment wilh a minimum of 5 

banking days' notice to RAM in the mar>ner un forth below. Customer acknowledges that 1hl! origination of Automatic CINring Ho.ne (ACH) transacuons to my accoont must 

comply with the p«>vilions of U.S. law. 

TAANSACTION, ACCOUNT INFORMATION, AND COMMUNICATIONS 

Customer ag~ that disclosures. a<COIWl1ing and transaction statements, disbursement verif'Gtion, and any other communiQtions may be dinnbuted by elecll'Onic mail or 

through RAM'S website at www.Ram54!tvlcins,com.. Customer ac:kno~dges that Customer is able to elecuoniatly receive. download. and print such 1nlormation and 

ccmmvnie.tlioos. ooless Customer and RAM agree otheiwise. If CustOmet is unable to communicate electronic.ally, Customer will notify RAM and masonable alternative means 

of communication will be est.ibllshed. Cuuomer may provide notice to RAM at Reliant Account Mani>9emenl lLC. P.O. Bo• 337, EAST IRVINE. CA 92650-0337 or fax at 949· 

8~9-1186. 

With regard to oil telephone numbers, including cellular numbers, you choose to provide on your xcoont. you acknowh?dge and consent to receive business and informational 

alls relating to your service to such numbers You 69ree such c:.alls may be pre-recorded messages or pieced with an outom.:rtit tewphone dialing system. In addition, yo1,1 

agnee that we may send non•marteting se<llice account related tell messages to cellular phone nurrile!'l prtWided on your accoonL Caml!t' ITM!Ssage and data rates may apply 

bvt. on some tell mes$a9e pl'09'-lms you may opt out of a ICJ<t message program by replying ·stop· to a message from that p,egr:im. If you choose to provide an email or 

other electronic address on your account. )'OIi acknowli!dge and consent to receiY(t businas and infonmation mt:SSage$ l'\'lating to y,x,r sennce at the address, and that soth 

address is you, private address and is not accessibly or view.!tble by any other person. 

RAM wll process and dhbune payments unckr ow agreement In connertlon •th yc,ur student loan compan,. Th11e Sl.C wit notify RAM and provide proof of 

compleUon -• your c:on$011datlon has bffn apprwtd with YIM'' new Hrvlcer. 11AM will a>niact you via e-11. tut. or man to confirm ttiat you are In CO'"f'Nance 

with ,.,.., consolidallon ag,eemenL Unlns - hear from you to 1he conlrary In lhru bullneu days, - win accept tlutt you 11t9 In compttanca with tlM> 1erm1 ot 

tM conllOlldaUon agroernenl and dlsburso the ten which have been eamad 11nc11r your contract wllll Sl.C. 

SERVICE FEES 

Customer outhorim AAM to charge tho! following ftts for services re11dered: 

Monthly Fee: SS.00 

Other diarges as applicable: 

NSF/Retum Item Fee· SB.50 

MISC£UAN£OUS 

Cu1tomer 49fees to indemnify and hold harmless. Ram. its offoc:er,, directots. age11ts, and employees. from any and aU claims, demands, and damages arising out of a dispute 

b-en Customer and any third porty. Customer i$Q'1111S to hold harmless. Ram. iLS olfi~rs. directors. ;,gen\$. and employees, (rom any and all claim$, demands, and damages 

in any situalil)tl where RAM has compl ed with the directives from Cusromer or Agent provided that Customer"s has not provided notice of revocation of RAM's or Agent's 

IXllhority under lllis Agrttment. 

Customf/r undemands that RAM may shire lnfonnat:on with its deposito,y in$1itutions. Its affili.ltes. Agen~ Mid with any other party legally entitled to fa<ilitate the transactions 

conte"'l)lated by tllis Agreement 

Cusiorner authorizes RAM to initiate Automatic Cleoong House (ACH) debits from my designated bank account as set forth below. I .lUthori:e RAM IO debit my designated 

bank account a<c:ording 10 the schedu e of debiu provided to RAM by me or on my behlllf or as olhel'Nise provided by agreemenL Customer agrees that sufficient lunds will 

be available in my designated account at least three (3) buliness days prior 10 the date of debit ttarttfer. RAM is not liable 10 any f)fflOn for not completing a transaction as a 

result of any limit on my design.,led bani< ll«Ollnl or if o nnancial institution fai's to hono, any debit from sudl accounL Customer .agrees to notify RAM immediately if a 

scheduled debit wiU not or does not occur. Customer authoriu,s RAM to recoYer funds in the event of an etroror in the_, that a prior debit is re tu med for any reason, 

including non•suflkient funds. 

DISPUTES 

Custom~ agrees that it will not file a claim for artlitrallOn or with any l1!\)\llatory or enforcement agency without first providing RAM with written noti~ detailing the nature of 

its complaint and allowing 20 boiSine$$ days for RAM 10 resolve or respond the compl.-aint. Customer hereby agrees th.al any dispute arising betwNn or among the parties snail 

be heard be lore a certir~ mediator with Yenue e<tlusively located in Orange County, Cal fomia, Mediation may be attended telephonically « in person. !n the event there is 

no molution through mediation, any c:1aim or dispute shall 

be submitted to arbitta\io<I wilh venue in Orange County, Ca•fomia and conducted in accordance with the commercial rules of the American Arbitration 

Association. Judgment upon any award m.iy be entered into any court hll\'ing jurisdiction. Even ,f artlitration is not petmiUed, Customer speofically w.iiv?s any ri9ht to trial by 

juty, panicipa1ion in a d.m action lawsuit and conso.idation of dllims with ill'ly other party. Total d111T11ges in the event of titigotion will be limited to the fees collected by RAM 

under tllis ogreemenl This AGREEMENT sha be go,,erned by and inte,preted in acconlance with the laws of the St.ite of Calil0<nia. However, in the event of any litigation. 

venue shd be exdusively in Ol'lll'lge County. Calilomia. without reference of the Nits ol <0nfticU of laws ~,e under, imlspe<tive of the place of resid.!nce. or domicile. OI' 

business ol the P.wtiH hereto 

C111tomet understands that RAM may sh~ information with its deposi1ocy ;nsr-tutions, its affiliates. and with any other party legally entitled to l.lcilit.ate the tr.lMaCtions 

contempl,11.ed by this Agreemenl 

Customer authorizas RAM to initiate Automatic Clearing House (ACH) debits from my designated bank account as set forth below. I authori?e RAM to debit my designated 

b.)nk account according to the schedule of debits provided to RAM by me°' on my beh.llf or as otherwise provided by agreemMl Customtr agrees that sufficient funds will be 

available in my designated account at lea1t three (3) busineu days prior to the date ol debit ~sf 11. RAM ls not ti.Ible to any pers0111Qr no( completing a tr.tnsaction as a 

rti\111 of any &mil on my ~ated bank accoont or ii a financial 11\stitutlon falls to honor any debit fram such a<CO\Jl'\L Customer agrees 10 notify RAM Immediately if a 

Page 1 of 2 

Revlatd tCll111/Z018 

Belnap Attachment A-038 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 39 of 44
schedul.d debit will not°' does not occur. CuSU>mer authorius RAM to reaiver funds ,n the e\lent of an enor ,n the event that a pnordebn is retumed for any reason. 

including non·suf/icient funm. 

A\JTHOIUZATION AGREEMENT FOil DIRECT DEPOSlTS (ACH 0£Bn'S) 

I (we) hereby authori?e Reliant Account Managtment he~naftl!r called RAM, to init,ate debtt entries 10 rrr, (our) Check,n9 Ac<ount I Saving, Actount (select one) indicated 

below at lhe depository financial institution named below, hereaftet called 01:POS!TORY • .md to debit Ille same to such a!Xt)unl I (We) aclrnowledge that the origin.i~on ol ACH 

tr<1n1actions to my (0111) account must coqily wilh lhe provi$ion1 ol V.S. l.lw. 

This authonution is to remain in full force and effect unlil RAM nas re<ehted written notification from me (or eilher of us) ol its termination no fewer than thtte (3) days to 

afford COMPANY and OEPOSflORY a reasonable opportunity to act on It. or until the schedule of debits is co"l)leted, 

! Customer One 

Scott Belnap ---~ --

Riverton UT 

Slate 

I Customer Two 

ame OateollMh 

s,,.,., Ad<nSS Pllant'Number 

Cily SI.lie rmaa Address 

ZIP 

2M 6/1/2018 Or.Ill Dale Drall Amount 

188 00 NIJmb<, ofl ~ MOftlh, llt~~~ft Atcun19!~ t• Date Amount 

To br .. •P!td on o, •ft rot the~ day 

ot ta<h month U\maltet un1, tunhcf 

OO(i(t , 

Bank Routing Number t,,,.; nt~ 

Dnll Dille O~f!Amount (e.g. nin~digir ABA n<tmMrJ 

11p• Your Junk may haW! a separate routing number for ACH trans.u:lions. 

Plr- verify th~ rouring number with your fi1wnd.ll inniMicJn to prevent 

delays:. 

Bank Account Number 

Type of Account (please check one)IIJ Checlring O Savingi 

Bank Account Holders Name Scott Belnap 

Nolt,• RAM may run a l<!st of the ACH procHs (<e. ~ note) to~ su~ ii is wo,king p,opi:rly Y0<1 mays~• transaction on the, acrount with a SO chan;e. 

I am the autkorbed 119"er. or otherwise have •uthority to act. this funding au1horiia1lon on tM a«oUnt Identified above. 

4/212018 

Customer 0~ Signature Oate CusromerTwo Si51nature Date 

P,tgt 2 of Z 

Rl<rioed t0/ll/201& 

Belnap Attachment A-039 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 40 of 44
AMERITECH 

- FINANCIALReferral Program 

Refer your friends and family and earn $25 credit 

for each successful l.'eferral! 

It's easy, just log into refer.ameritechfinancial.com using the email address and 

password provided to AmeriTech Financial 

Note: When registering, enter your Unique Reference Number: 

Next, simply click on "Post to Faccbook," "Post to Twitter," or any of the other mediums 

you wish to use: 

n 

~ Send Email 

a 

Post to Facebook 

Post to Twitter 

l!!J Print Cards 

ml Post to linkedln 

~ Suggest a Referral 

~ Get Shareable URL 

Log in, post, and you're done! Jl. 

sa 

Belnap Attachment A-040 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 41 of 44
Referral Program Questions & Answers 

What is the Referral Program? 

The Ref err.ii Program rewards Clients for referring friends and fornily who enroll with AmeriTcch Financial. 

How do I get started? 

It's easy! Login to refer.wneritechfinancial.com • where you'll be given the necessary tools to invite your friends and 

family to join through Twiller, faccbook, Linkcdln and MORE! Click - Post - You're Done! 

Rewards Program 

AmcriTech Financial hos partnered with Tango Card, a zero-foe rewards card that can be used at nearly 60 different 

websites and businesses across the country! Use your Tango Cord to buy gills on Amazon, expand your playlist on iTunes. 

buy movie tickets on Fandango, stock up on the newest electronics al Best Buy. or get those new hiking boots at REI • and 

thnt's just the stnrt! 

To sec the full list of websites and busineJ>scs where Tango Card can be used, click here: 

bt1n-~;llwww,tangocard,comlthe-rewards-ca1alog 

What if I want to donate to one of AmeriTecb Financial's select charities? 

Great QtK.-stion! AmeriTcch Financial is committed to helping people who 11re faced with challenges - and not just with 

Federal Student Loans. We reel ii is our responsibly 10 make the world a belier place by utilizing our busin<..-ss to help! 

When you choose to rcdc<..-rn your reward credit, you'll have the option to donate that credit to one of 15 different 

charities! The portion you decide 10 donruc will be 100% MATCHED Dollar for Dollar by AmerjTech Financial, 

nnd donated in your nwne! 

~r, . -r.,..- -

A CLEAN ! 

WATER ... 

~ 

. . tir . :;.. • FUND 

e .•. H>ll'-,:\ u or..::tN\ -r:_ _ ,.,_ ., ,... ntOOMI\CRG 11 l\l<t 9'1. • I ' t i ,

- _ ..

.,~

~ •'""' - ._ ...... .

~ 

. _ ...... .. ----

Jl. 

SB 

Do I have to donate all of my referral credit to participate? 

No. You can donate only II portion of your accumulated referral credits, ond can choose to do so at nny time. 

How can I track my referrals? 

All referrals can he tracked on you My Account page (link). You'll be able to sec lhc status of every person thal has clicked 

on your posts and can sec where they're at in the enrollment process. 

Belnap Attachment A-041 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 42 of 44
Can I donate to more than one charity? 

Yes! During the reward redemption process, you'll he given the choice a.~ to which charities you'd like lo donate to. 

You'll be able to select one at a time, but as long as you have an available balance on your Tango Card account, you'll be 

uble to donate to another charity when you revisit the redemption page. 

How will I know the donation has been made? 

Each time u donntion is made on your bcholfyou will receive o confinnotion vio cmuil from Tango Card showing the time, 

date, and amount that wos donated. 

Arc my donations tax deductible? 

Yes. 

When will this program end? 

There currently is no end date, but AmeriTech Finoncial reserves the right to terminate and/or modify this offer !II any time 

without prior notice. 

Who can I refer? 

You can refer friends and family who require help with their student loan debt. 

When will the credits be applied to my account? 

Once your Referral has made two successful payments into the J\mcriToch Financial program, a credit will be applied to 

your referral occount n:decmablc at rcler.amcritechlinnm:ial.com. Clic.'tlt will be notified by AmcriT1.-ch Financial vio 

automated email notification prior to each credit being applied. Plcosc allow for up to 2 weeks to receive credit. 

What if the person I would like to refer alrcadv bas enrolled with AmeriTech Financial? 

You must be lirst lo refer friends or family, before they ha..,c already enrolled with AmcriTech Financial. 

What if my question is not answered here? 

Contact l-801).. 792-8621, or email referrnls@AmeriTcchFinancialcom. 

I have read 11nd understand the AmeriTech Financial Referral Program guidelines: 

Date ____ 4...._/2=/-=2=0..a... 18 _ ______ _ 

Belnap Attachment A-042 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 43 of 44
MONTHLY INCOME 

Item Amount 

Income 1 

lncome2 

lncome3 Total Monthly Income 0.00 

Other 0.00 Total Monlhl Ex enses 

Total Assets 0.00 

Utilities 

Bqsic £ ommunTcotlon 

Medical/Dental 

Transportation 

0 ncentl€ore 

Child Support/Spousal Support 

Federal Stuaent Loer:i ~ tsPrivate Student Loan Payments 

0tli er nses 

Describe: 

Checking 

Savings 

Client Slgnature""~iwPEZll~M:l~~Sf cuu.... __________ _ 

Oate: _______ 4_/212_ 0_18 _ __________ _ 

Belnap Attachment A-043 

Case 4:18-cv-00806-SBA Document 104-1 Filed 04/19/18 Page 44 of 44
Belnap Attachment B

Case 4:18-cv-00806-SBA Document 104-2 Filed 04/19/18 Page 1 of 5
Dandashly, Vasser

From: 

Sent: Friday, April 13, 2018 4:41 PM 

To: Dandashly, Vasser 

Subject: FW: Your account with AmeriTech Financial 

Sent from Mail for Windows 10 

From: donotreply=ramservicing.com@mg.ramservicing.com <donotreply=ramservicing.com@mg.ramservicing.com> on 

behalf of donotreply@ramservicing.com <donotreply@ramservicing.com> 

Sent: Tuesday, April 3, 2018 1:44:13 AM 

Subject: Your account with AmeriTech Financial 

Dear Scott Belnap: 

Welcome to Reliant Account Management. Effective 4/3/2018, we will be processing your program payments. 

AmeriTech Financial chose Reliant Account Management because of our expe1tise in t

his field. Most impo1tantly, we are 

a neutral third patty. We ai·e here to assure that your payments will be professionally processed and your records 

accurate. You may see debits to your bank account described as: RAM or RAM PMT this will indicate to you that the 

transfer was completed successfully by us. 

Your RAM Usemame will be: 

Your temporaiy RAM Passwor 

The first time you log into our system, you will be requested to change your password to one of your choice. 

If you would like to make any additional, non-scheduled payments please send them to: 

Reliant Account Management 

PO Box 337 

East hvine, CA 92650 

AmeriTech Financial will continue to answer any questions you have about your program. We look fo1ward to this 

opportunity to be of se1vice to you. 

Sincerely, 

RAM Se1vicing Center Staff 

1 Belnap Attachment B-1 

Case 4:18-cv-00806-SBA Document 104-2 Filed 04/19/18 Page 2 of 5
2

--------- 

OUR PRIVACY POLICY 

OUR PRIVACY PLEDGE 

Reliant Account Management knows you expect privacy and security for your nonpublic personal information. We 

respect your privacy and are committed to treating your information responsibly. 

INFORMATION YOU PROVIDE TO US 

Our goal is to provide you with an efficient state of the art settlement solution. In order to do that, you must provide us 

with certain identifying and financial information. We mayl ask for information, such as your social security number, 

bank account information, address, and date of birth. We may ask for this information from you by the telephone, through 

your internet account, in e-mail or through a Sign-Up Agreement or other related document(s). We also may receive 

information about you from a third party that provided services to you prior to RAM. 

When it becomes time for us to make a settlement on your behalf; we may also receive information about you from your 

creditor(s) or your DSC in order to complete the make this disbursement. 

YOUR INFORMATION AND OTHER THIRD PARTIES 

We collect the information above in order to facilitate settlement disbursements. We will share this information with 

other third parties only to the extent it is necessary. These may include: 

??? Members of the RAM family of companies 

??? Your creditor(s) 

??? Your DSC 

??? Your bank or financial institution 

??? RAM???s bank or financial institution 

??? Other RAM business partners to assist us in this process 

These companies are required to protect your nonpublic information. Any statistical information we generate for our own 

business purposes, in which your account is included, would not reveal any personal identifying information. RAM will 

not sell or market your nonpublic personal information to third parties without your consent and will not share 

information about you with companies outside the RAM family of companies, except as otherwise set forth herein or as 

permitted by law. 

There are times when we may also share your information with legal or governmental officials. Such situations may arise 

such that 1) we are compelled to do so by a subpoena, court order or similar legal process; 2) we are required to comply 

with the law; and/or 3) we believe in good faith that the disclosure of your information is necessary to prevent physical 

harm or financial loss, to report suspected illegal activity, or to investigate a violation of your Signup Agreement. 

SECURING YOUR INFORMATION 

We utilize the many levels of data security including encryption, electronic surveillance, and procedural checks all 

intended to protect your non-public personal information. We ask only for that information which we need to follow your 

service instructions as contained in your Signup Agreement and we protect that information by housing our servers in a 

secured location. 

IF YOU HAVE QUESTIONS 

We are committed to maintaining the privacy of your non-public personal information as noted above. If you have 

additional questions about Our Privacy Policy please contact our Customer Service Department at (877) 859-1450. 

TERMS AND CONDITIONS 

Reliant Account Management provides transaction management, data processing services, and related services as an 

independent third party. We receive, process, and post payments. We hold these payments in a trust account and disburse 

them as authorized, and provide account ledgers on each of these actions. 

Belnap Attachment B-2 

Case 4:18-cv-00806-SBA Document 104-2 Filed 04/19/18 Page 3 of 5
3

The customer may request a refund and/or close the Account at any time by contacting Reliant Account Management 

through: E-MAIL: support@ramservicing.com or MAIL: Reliant Account Management, PO Box 337, Newport Beach, 

CA 92660, (877) 859-1450. 

1. If a refund of funds or closure of the Customer???s account with RAM is requested, we will refund the

Customer???s funds, less any applicable fees, within five (5) business days. The refund will be by ACH to the Customer

bank account on file with RAM at that time, or if ACH payment is unavailable, then by check to the Customer.

2. The Customer hereby authorizes RAM to provide the Services by debiting funds from a bank account designated by

Customer via an Automatic Clearing House (ACH) Authorization and to deposit and hold those funds in RAM's trust

account in accordance with this Signup Agreement. These debits are for the purpose of satisfying the terms of debt

settlements negotiated by the Customer???s DSC, paying fees to RAM as agreed, and paying fees to Customer???s DSC.

3. RAM does hereby inform, and the Customer acknowledges, that RAM does not provide any financial counseling of

any kind, including debt repayment or reduction planning, debt management, counseling, budget planning, debt adjusting,

altering or negotiation services and, further RAM will not act as intermediary between Customer and his/her creditors for

those purposes, or provide any other similar assistance to Customer in settling or adjusting any debt with Customer's

creditors.

4. Customer further acknowledges that RAM does not provide or perform the services of the DSC or the DSC???s

business partners for the for payment of Customer's bills, invoices or accounts or any other distribution of Customer's

funds among specified creditors under a plan. RAM is not responsible for any:

??? Of the terms or services of the contract between Customer and its DSC. 

??? Performing any act not expressly set forth in the Signup Agreement. 

??? The Customer's failure to make full payments when due or to perform under fully under the contract between 

Customer and its DSC. 

??? Or for taking any legal or other steps to enforce collection of payments. 

RAM's responsibilities are expressly limited to those set forth in the Signup Agreement. The DSC does not have any right 

or authority whatsoever to act as agent or representative or otherwise on behalf of RAM, or to direct or control the actions 

of RAM. Customer specifically acknowledges and agrees that RAM is not bound by the terms of the contract between the 

Customer and its DSC. Customer agrees to release RAM and its officers, directors, agents and employees from any and all 

claims, demands and damages arising out of a dispute between Customer and their DSC or Customer's creditors. Nothing 

contained in the Signup Agreement will replace, modify or amend the terms of the contract between the DSC and their 

Customer, to which RAM is not a party. In the event of a conflict between the DSC and Customer, RAM is only 

responsible for the services it provides as related to the schedule of payments and fees in the Signup Agreement. 

Customer and their DSC understand and agree that neither has any right or authority to direct or control the actions of 

RAM beyond the limited undertakings as detailed in Agreement. 

5. RAM will provide viewing access of the Account???s status and transaction history by a password protected

Website that employs Secure Socket Layering (SSL) technology. When RAM has received an approved Signup

Agreement, RAM will send the Customer a letter which will contain your RAM username and temporary password in

order to access this information on RAM's Website. The Terms of Use will be posted on the Website and which may

change from time to time.

6. RAM shall not be bound by the Signup Agreement and no contract will exist until RAM acknowledges acceptance,

renders for Customer any of the Services subscribed for herein, or otherwise indicates its acceptance. The Signup

Agreement shall be deemed to have been accepted, if at all, by RAM in the State of California. The Signup Agreement

will be governed by the laws of the State of California. Any and all legal action must be transacted or brought in a court

located in the State of California.

7. RAM will be responsible only for the exercise of ordinary care in providing Services in accordance with the Signup

Agreement and shall be released from all further liability. In no event will RAM be liable for any act or omission of any

third party, including, but not limited to, Customer's financial institution, any payment system, any third party service

provider, any provider of telecommunications services, internet access or computer equipment or software, any mail or

delivery service or any payment or clearing house system or for any circumstances beyond RAM's control (including but

not limited to, fire, flood or other natural disaster, war, riot, strike, act of civil or military authority, equipment failure,

computer virus, infiltration or hacking by a third party, or failure or interruption of electrical, telecommunications or other

utility services).

Belnap Attachment B-3

Case 4:18-cv-00806-SBA Document 104-2 Filed 04/19/18 Page 4 of 5
4

8. Under no circumstances will Customer be entitled to receive any consequential, incidental or punitive damages or

any sort against RAM. Except as related to the schedule of payments, RAM's responsibilities are limited to those detailed

in the Signup Agreement, including any addendums or modifications made in compliance with other provisions of the

Signup Agreement, or in these Terms and Conditions.

9. If RAM receives notification of Bankruptcy for a Customer of DSC, RAM may immediately notify DSC, cease all

debiting of Customer???s designated account and return the funds held in the Account to the Consumer.

10. RAM shall hold any funds it collects after receiving notice of the death of a Customer in a non-interest bearing trust

account, without liability. The funds will be paid out only when RAM, in its sole discretion, has sufficient documentation

to establish rightful ownership.

11. Either party may terminate the Signup Agreement. Customer may cancel the Signup Agreement as described

therein. RAM may suspend or terminate the Signup Agreement at any time. RAM will attempt to provide you with prior

notice of the suspension or termination of the Services, but is not obligated to do so. Regardless of the who terminates the

Signup Agreement, RAM will provide a final accounting ledger to Customer and return remaining funds in the Account to

Customer and RAM's duties shall terminate. Customer will be responsible for fees for Services rendered prior to

termination. RAM may refuse to complete any transaction that it has reason to believe is unauthorized or made by

someone other than Customer, may violate any law, rule, or regulation, or if RAM has reasonable cause not to honor it.

12. RAM may assign the Signup Agreement to any current or future affiliated company and to any successor in

interest. RAM also may delegate certain rights and responsibilities under the Agreement to independent contractors or

other third parties. Customer may not assign the Signup Agreement to any other person or entity.

13. The Signup Agreement constitutes the entire understanding of Customer and RAM. In the event any provision of

the Signup Agreement is invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining

provisions shall not in any way be affected or impaired.

14. In the event of a dispute or conflicting instructions from the Customer and their DSC, RAM shall have the right to

seek legal remedies and to do any or all of the following: (1) Discontinue services until dispute or conflict is resolved; (2)

Terminate the Signup Agreement and return the funds with an accounting to the appropriate party; or (3) Begin an

interpleader action in court, thereby absolving RAM from all further obligation or liability under this Agreement.

Customer and their DSC jointly and separately agree to indemnify and hold RAM harmless for any costs, damages,

attorney fees, collection agency fees, employee time, expenses, and liabilities sustained in connection with servicing this

account, including any arising court actions or interpleader actions. Customer and their DSC also jointly and separately

agree to pay RAM upon demand for said items.

Belnap Attachment B-4

Case 4:18-cv-00806-SBA Document 104-2 Filed 04/19/18 Page 5 of 5