Document:

Administration Agreement

 Exhibit 10.2 
 ADMINISTRATION AGREEMENT 
 among 
 GOAL CAPITAL FUNDING TRUST 2006-1 
 as Issuer 
 WILMINGTON TRUST COMPANY, 
 as Delaware
Trustee, 
 THE BANK OF NEW YORK, 
 as Indenture Trustee, 
 THE BANK OF NEW YORK, 
 as Eligible Lender Trustee, 
 and 
 GOAL FINANCIAL, LLC, 
 as Administrator 
 Dated as of May 25, 2006 

 THIS ADMINISTRATION AGREEMENT dated as of May 25, 2006 (as amended from time to time, this
“Agreement”), among GOAL CAPITAL FUNDING TRUST 2006-1, a Delaware statutory trust (the “Issuer” or the “Trust”), WILMINGTON TRUST COMPANY, a Delaware banking corporation, not in its
individual capacity but solely as Delaware trustee (the “Delaware Trustee”), THE BANK OF NEW YORK, a New York banking corporation, not in its individual capacity but solely as indenture trustee (the “Indenture
Trustee”), THE BANK OF NEW YORK, not in its individual capacity but solely as eligible lender trustee (the “Eligible Lender Trustee”) and GOAL FINANCIAL, LLC, a California limited liability company (the
“Administrator”). 
 W I T N E S S E T H : 
 WHEREAS, on the date hereof, the Issuer has issued its (a) student loan asset-backed notes (the “Notes”) pursuant to the Indenture
of Trust, dated as of May 25, 2006, among the Issuer, the Eligible Lender Trustee and the Indenture Trustee (as the same may be amended from time to time, the “Indenture”); and (b) its trust certificates (the “Trust
Certificates”) pursuant to the Amended and Restated Trust Agreement, dated as of May 25, 2006 (as the same may be amended, restated or amended and restated from time to time, the “Trust Agreement”), between the
Delaware Trustee and Goal Capital Funding, LLC, as depositor (together with its successors in interest, the “Owner”); and 
 WHEREAS, pursuant to an Eligible Lender Trust Agreement, dated as of May 25, 2006 (as the same may be amended from time to time, the “Eligible Lender Trust Agreement”), between the Issuer and the Eligible Lender
Trustee, the Eligible Lender Trustee shall hold legal title to Eligible Loans acquired by the Issuer as beneficial owner; and 
 WHEREAS,
pursuant to the Indenture, the Issuer and the Eligible Lender Trustee are assigning their respective interests in the Financed Eligible Loans and other collateral (the “Collateral”) to the Indenture Trustee; and 
 WHEREAS, the Issuer desires to have the Administrator perform certain of the duties of the Issuer referred to in the Basic Documents (as defined in the
Indenture) and any other documents signed by the Delaware Trustee or the Eligible Lender Trustee on behalf of the Issuer (collectively, the “Trust Related Agreements”) or required by the Higher Education Act with respect to the Eligible
Loans and to provide such additional services consistent with the terms of this Agreement and the Trust Related Agreements as the Issuer and the Delaware Trustee may from time to time request; and 
 WHEREAS, the Administrator has the capacity to provide the services required hereby and is willing to perform such services for Issuer on the terms set
forth herein; 
 NOW, THEREFORE, for good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties
hereto agree as follows: 
 Capitalized terms used and not otherwise defined herein shall have the meanings assigned to such terms in the
Basic Documents. 

 Section 1. Duties of the Administrator. 
 (a) Duties with Respect to the Trust Related Agreements. 
 (i) The Administrator agrees to perform all its duties under this Agreement and the Trust Related Agreements. In addition, the
Administrator shall consult with the Delaware Trustee regarding the duties of the Issuer and the Delaware Trustee under the Trust Related Agreements. The Administrator shall monitor the performance of the Issuer and shall advise the Eligible Lender
Trustee and the Delaware Trustee when action is necessary to comply with the Issuer’s duties under the Trust Related Agreements. The Administrator shall prepare for execution by the Issuer, or shall cause the preparation by other appropriate
persons or entities of, all such documents, reports, filings, instruments, certificates and opinions that it shall be the duty of the Issuer to prepare, file or deliver pursuant to the Trust Related Agreements. In furtherance of the foregoing, the
Administrator shall take all appropriate action that is the duty of the Issuer to take pursuant to the Trust Related Agreements, including, without limitation, such of the foregoing as are required with respect to the following matters under the
Trust Related Agreements: 
 (A) preparing and delivering to the Indenture Trustee any Issuer Order required to be delivered
to the Indenture Trustee pursuant to the terms of the Indenture; 
 (B) preparing and delivering notice to the Registered
Owners of the removal of the Indenture Trustee and the appointment of a successor Indenture Trustee; 
 (C) preparing an
Issuer Order and obtaining an opinion of counsel, if necessary, for the release of property of the Trust Estate; 
 (D)
preparing Issuer Orders and obtaining opinions of counsel with respect to the execution of amendments to the Trust Related Agreements and the delivery to the Registered Owners, the Rating Agencies and any other parties to whom notice is required to
be sent notices with respect to such amendments; 
 (E) paying all expenses in connection with the issuance of the Notes;

 (F) prepaying (from the Trust Estate) or accelerating the Notes and the related notice to the Indenture Trustee;

 (G) taking all actions on behalf of the Issuer necessary under any Guarantee Agreement; 
 (H) responding to inquiries and requests made by borrowers, educational institutions, Guarantee Agencies, the Indenture Trustee and other
parties with respect to the Financed Eligible Loans and to requests by independent auditors for information concerning the Issuer’s financial affairs; 
  

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 (I) maintaining financial records concerning the Financed Eligible Loans and, if
furnished adequate information with respect to financial affairs not related to the Financed Eligible Loans, preparing and maintaining a general ledger and financial statements for the Issuer; 
 (J) providing instructions to the Issuer and the Eligible Lender Trustee with respect to the administration of the Financed Eligible
Loans; 
 (K) furnishing to the Issuer, the Indenture Trustee or the Eligible Lender Trustee copies of reports received with
respect to the Financed Eligible Loans, and preparing an Administrator’s Quarterly Distribution Date Certificate and such additional reports with respect to the Financed Eligible Loans, as the Issuer, the Indenture Trustee or the Eligible
Lender Trustee may reasonably request from time to time; 
 (L) furnishing to the Issuer and any Registered Owner or other
beneficiary filing with the Administrator a written request for a copy, not more than 30 days after the close of each Fiscal Year, a statement setting forth (to the extent applicable) in respect to such Fiscal Year, in each case subject to receipt
by the Administrator of all applicable information from the Indenture Trustee, (a) all transactions relating to the receipt, disbursement and application of all moneys received by the Indenture Trustee pursuant to all terms of this Indenture;
(b) the balances held by the Indenture Trustee at the end of such Fiscal Year to the credit of each Fund and Account; (c) a brief description of all moneys, Eligible Loans and Investment Securities held by the Indenture Trustee as part of
the balance of each Fund and Account as of the end of such Fiscal Year; (d) the principal amount of Notes of each series purchased by the Indenture Trustee during such Fiscal Year from moneys available therefor in any Fund pursuant to the
provisions of the Indenture and the respective purchase price of such Notes; (e) the principal amount of Notes of each series retired, at their Stated Maturity or by prepayment, during such Fiscal Year and the Prepayment Prices thereof, if any;
and (f) any other information which the Issuer may reasonably request; 
 (M) preparing, or causing to be prepared, and
furnishing to the Issuer annual operating budgets, quarterly statistical reports and cash flow projections as required under the Indenture; 
 (N) performing such other services with respect to administration of the Financed Eligible Loans as the Issuer or the Eligible Lender Trustee may reasonably request; 
 (O) completing and filing all tax returns and tax filings as required pursuant to Section 5.04 of the Trust Agreement; 
 (P) informing the Delaware Trustee if any withholding is required pursuant to Section 5.01 of the Trust Agreement; 
  

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 (Q) handling all accounting matters pursuant to Section 5.04 of the Trust Agreement;

 (R) preparing all reports required by the Higher Education Act in connection with Financed Eligible Loans; and 

(S) executing any Trust Related Agreements on behalf of the Issuer;. 
 (b) Duties with Respect to Servicing and Guarantees. 
 (i) The Administrator shall consolidate, prepare and report all pertinent information to the United States Department of Education on the “Lender Reporting System Report” (or such successor report as may be
applicable). 
 (c) Additional Duties. 
 (i) In addition to the duties of the Administrator set forth above, the Administrator shall perform, or cause to be performed, its duties and obligations and the duties and obligations of the Delaware Trustee on
behalf of the Issuer under the Trust Agreement. 
 (ii) In furtherance of the foregoing, the Issuer shall execute and deliver
to the Administrator one or more powers of attorney substantially in the form of Exhibit A hereto, appointing the Administrator the attorney-in-fact of the Issuer for the purpose set forth therein. Subject to Section 6 hereof, and in accordance
with the directions of the Issuer, or the Delaware Trustee, the Administrator shall administer, perform or supervise the performance of such other activities in connection with the Trust Estate (including the Trust Related Agreements) as are not
covered by any of the foregoing provisions and as are expressly requested by the Issuer or the Delaware Trustee. The Administrator agrees to perform such obligations and deliver such notices as are specified to be performed or delivered by the
Administrator under the Trust Related Agreements. 
 (iii) In carrying out the foregoing duties or any of its other
obligations under this Agreement, the Administrator may enter into transactions or otherwise deal with any of its affiliates; provided, however, that the terms of any such transactions or dealings shall be in accordance with any directions received
from the Issuer or the Delaware Trustee and shall be, in the Administrator’s opinion, no less favorable to the Issuer or the Delaware Trustee than would be available from unaffiliated parties. 
 (iv) In carrying out any of its obligations under this Agreement, the Administrator may act either directly or through agents, attorneys,
accountants, independent contractors and auditors and enter into agreements with any of them. 
 (d) Non-Ministerial Matters. 
 (i) With respect to matters that in the reasonable judgment of the Administrator are non-ministerial, the Administrator shall not be under
any obligation to take any action, and in any event shall not take any action, unless the Administrator shall have received instructions from the Delaware Trustee or the Owner. For the purpose of the preceding sentence, “non-ministerial
matters” shall include, without limitation: 
  

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 (A) the amendment of or any supplement to the Trust Related Agreements; 
 (B) the initiation of any action, claim or lawsuit by the Issuer and the compromise of any action, claim or lawsuit brought by or against
the Issuer, except for actions, claims or lawsuits initiated in the ordinary course of business by the Issuer or its agents or nominees for the collection of amounts owed in respect of Financed Eligible Loans; 
 (C) the appointment of successor Indenture Trustees pursuant to the Indenture, or the consent to the assignment by the Indenture Trustee
of its obligations under the Indenture; 
 (D) the removal of the Indenture Trustee; and 
 (E) the amendment, change or modification of this Agreement or any Trust Related Agreement, except for amendments, changes or
modifications that do not either (1) reduce in any manner the amount of, or delay the timing of, or collections of payments with respect to the Financed Eligible Loans or (2) materially reduce the underwriting standards with respect to the
Financed Eligible Loans. 
 (ii) Notwithstanding anything to the contrary in this Agreement, the Administrator shall not be
obligated to, and shall not (A) make any payments to the Registered Owners under the Trust Related Agreements, (B) sell the Trust Estate pursuant to the Indenture or (C) take any action that the Issuer or the Delaware Trustee directs
the Administrator not to take on its behalf. 
 (iii) The foregoing non-ministerial matters shall only be performed by the
Administrator with prior Rating Confirmation. 
 (e) Additional Duties. The Administrator shall perform the following additional duties:

 (i) supervising the closing of the sale of any series of Notes including the payment of the costs of issuance for any
series of Notes; 
 (ii) selecting and assigning Servicers and Guarantors and negotiating and/or renegotiating contracts,
terms and/or pricing with Servicers and/or Guarantors; and 
 (iii) selecting and assigning, and negotiating and renegotiating
for the services of professional personnel such as, without limitation, accountants, investment bankers, attorneys and Rating Agencies. 
  

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 (f) Indemnification. 
 The Administrator will: 
 (i) indemnify the Indenture Trustee, the Eligible Lender Trustee
and their respective agents for, and hold them harmless against, any losses, liability, claim, action, suit, cost or expense, of any kind or nature whatsoever, including reasonable attorney’s fees and expenses, incurred without negligence,
misconduct or bad faith on their part, arising out of the misconduct, negligence or bad faith or other act of the Administrator in the performance of the Administrator’s duties contemplated by this Agreement; and 
 (ii) indemnify the Issuer and the Delaware Trustee and their respective agents for, and hold them harmless against, any losses, liability,
claim, action, suit, cost or expense, of any kind or nature whatsoever, including reasonable attorney’s fees and expenses, incurred without negligence, misconduct or bad faith on their part, arising out of the misconduct, negligence or bad
faith or other act of the Administrator in the performance of the Administrator’s duties contemplated by this Agreement; provided, however, that the Administrator shall not be required to indemnify the Issuer or the Delaware Trustee pursuant to
this subsection (f)(ii) so long as the Administrator has acted pursuant to the instructions of the Delaware Trustee or the Owner in accordance with subsection (d) of this Section. 
 (g) In the event that the Administrator determines that it would be beneficial to the Issuer for a party other than the Administrator to perform any of
the duties under this Section, it will notify the Issuer and, subject to first obtaining Rating Confirmation, the parties to this Agreement may either amend this Agreement or delegate those duties to another party. However, until such Rating
Confirmation is obtained, no such amendment or delegation shall be effective. Notwithstanding the foregoing, the parties hereto agree and acknowledge that (i) the Administrator is entering into that certain Verification Agent Agreement of even
date herewith with The Bank of New York, and (ii) the Rating Confirmation shall not be required to be satisfied in connection therewith. 
  

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 (h) In furtherance of subparagraphs (a), (b), (c) and (d) of this Section, the
Administrator’s duties shall include: 
  

	 	1.	Review, verify and compare “Loan Origination Disbursements Made Reports” received from Great Lakes Higher Education Guaranty Corporation and/or ACS Education Loan
Services, Inc. (or any other Servicer, if Rating Confirmation is first received) with the “Loan Transfer Document” received from Owner and, if all documents are in order, execute the “Loan Transfer Document”, issue and sign an
“Eligible Loan Acquisition Certificate” and instruct the Eligible Lender Trustee, via facsimile, to transfer the principal and Premium of the acquired Eligible Loans to the Depositor. 

  

	 	2.	On any date on which fees are due to the United States Department of Education, prepare, sign and deliver to the Indenture Trustee the “Consolidation Loan Rebate Fee
Report” and execute an Issuer Order for the payment of such fees. 

  

	 	3.	Monthly Servicing Payment Date Process: 

  

	 	(i)	On each Monthly Servicing Payment Date, calculate and verify the Servicing Fees to be paid by the Indenture Trustee on such Monthly Servicing Payment Date and execute individual
Issuer Orders for the payment of such Servicing Fees. 

  

	 	4.	Quarterly Distribution Date Process: 

  

	 	(i)	On each Quarterly Distribution Date, calculate and verify the Servicing Fees and the fees and expenses payable to the Indenture Trustee, the Delaware Trustee and the London Paying
Agent to be paid by the Indenture Trustee on such Quarterly Distribution Date; 

  

	 	(ii)	On each Quarterly Distribution Date, execute individual Issuer Orders for the payment of any Servicing Fees and Note Fees due and payable on such Quarterly Distribution Date, as
calculated and verified pursuant to subsection (i) above; and 

  

	 	(iii)	On each Quarterly Distribution Date, calculate and verify the amount to be paid by the Indenture Trustee to the Registered Owners pursuant to Section 5.04(c) and 6.02 of the
Indenture, and execute Issuer Orders with respect to such payments. 

  

	 	5.	Reserve Fund Compliance: 

  

	 	(i)	Monitor the amount on deposit in the Reserve Fund and, on each Quarterly Distribution Date, determine whether such amount equals or exceeds the Specified Reserve Fund Balance (as
defined in the Indenture). 

  

	 	(ii)	If necessary, execute and deliver to the Indenture Trustee an Issuer Order to replenish the Reserve Fund with any amounts required from the Collection Fund.

  

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	 	6.	Limits on Fees: 

  

	 	(i)	Verify that fees paid do not exceed or are in compliance with the following: 

  

	 	(a)	Any fees paid to the Indenture Trustee, the Delaware Trustee and the Eligible Lender Trustee are authorized by the Indenture; 

  

	 	(b)	The payments with respect to Note Fees other than the fees described in subsection (i)(a) above do not exceed any limit set forth in the Indenture unless prior Rating Confirmation
is obtained; 

  

	 	(c)	The fees paid to the Administrator do not exceed the Administration Fee (as defined in the Indenture); and 

  

	 	(d)	Servicing Fees do not exceed the amounts established in the Servicing Agreements. 

  

	 	(ii)	Verify that all Issuer Orders directing the payment of Note Fees from the Collection Fund have attached to it the appropriate invoice from the payee. 

  

	 	7.	Compliance on Sale of Loans: Verify that the Issuer complies with the loan sale provisions as set forth in the Indenture which currently are as follows: 

  

	 	(a)	Except with Rating Confirmation, the Issuer may direct the sale of Eligible Loans in the Acquisition Fund only in accordance with the Indenture. 

  

	 	(ii)	Prior to any such sale the Indenture Trustee shall have received a certificate from the Issuer certifying that such sale will not materially adversely affect the Issuer’s
ability to pay debt service on the Outstanding Notes and other Outstanding Obligations, Servicing Fees, Administration Fees or Note fees, or other obligations with respect to the Notes. 

  

	 	(iii)	All funds received from such loan sale must be deposited in the Collection Fund. 

  

	 	8.	Verify the applicable interest rate for each Interest Accrual Period following the initial Interest Accrual Period in accordance with the Indenture. 

  

	 	9.	Redemption: Verify that any conditions set forth in the Indenture for the mandatory redemption of Notes are satisfied in connection with any such redemption.

  

	 	10.	Verification that each investment of moneys within any Fund constitutes an Investment Security. 

  

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	 	11.	Preparation of Moody’s Investors Services Monthly Monitoring Report (attached as Exhibit B) and delivery of such report to Moody’s and the Issuer.

  

	 	12.	Maintenance and record keeping of the Trust’s general ledger and other relevant records and preparation of monthly unaudited financial statements. 

  

	 	13.	Providing for and assisting in the completion of the audit of the financial statements of the Issuer. 

  

	 	14.	Administration and maintenance of the reports of servicers and others used in connection with the administration of, “borrower benefits” programs and verification that
such “borrower benefits” programs are in compliance with the Indenture. 

  

	 	15.	All other activities required or expected from the Administrator for the smooth operation of the business. 

 Section 2. Statements to Registered Owners. Two days preceding a Quarterly Distribution Date, the Administrator shall provide to the
Indenture Trustee (with a copy to the Rating Agencies) solely for the purpose of having the Indenture Trustee, and in the case of the Reset Rate Notes shall cause the London Paying Agent, to forward on such Quarterly Distribution Date to each
Registered Owner of record, a statement to noteholders in the form described in Section 4.20 of the Indenture or such other form as may be required to comply with the rules and regulations of the Securities and Exchange Commission. 

Section 3. Annual Statements as to Compliance; Notice of Default; Financial Statements. 
 (a) For so long as the Depositor is required to report under the Exchange Act, the Administrator shall deliver to the Depositor and the
Issuer by March 30 of each calendar year, commencing with March 30, 2007: 
 (i) a certificate of an officer of the
Administrator (an “Officer’s Certificate”), providing such information as is required under Item 1123 of Regulation AB under the Securities Act of 1993, as amended (the “Securities Act”) and the Securities Exchange Act
of 1934, as amended; 
 (ii) a report on its assessment of its compliance during the preceding calendar year with those
servicing requirements for asset-backed securities described in Item 1122 of Regulation AB for which the Administrator has responsibility under the terms of this Agreement in the form required by Item 1122 of Regulation AB; provided that
the assessment of compliance required by this paragraph may be replaced, at the Administrator’s option, by any similar assessment using standards which are now or in the future in use by administrators or servicers of comparable assets or which
otherwise comply with any rule, regulation, “no-action” letter or similar guidance promulgated by the Securities and Exchange Commission; and 
  

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 (iii) an attestation with respect to the Administrator’s assessment of compliance
described in paragraph (ii) above in the form required by 1122(b) of Regulation AB. Such report will also indicate that the firm is independent of the Administrator within the meaning of the Code of Professional Ethics of the American Institute
of Certified Public Accountants; provided that the attestation report required by this paragraph may be replaced, at the Administrator’s option, by any similar attestation report using standards which are now or in the future in use by
administrators or servicers of comparable assets or which otherwise comply with any rule, regulation, “no-action” letter or similar guidance promulgated by the Securities and Exchange Commission. 
 (b) The Administrator agrees to cooperate in good faith with any reasonable request by the Depositor or the Issuer for information
regarding the Administrator which is required in order to enable the Depositor to comply with the provisions of Regulation AB, including Items 1108, 1117 and 1119 of Regulation AB as it relates to the Administrator or to the Administrator’s
obligations under this Agreement and to deliver to the Depositor all statements, reports, certifications, records and any other information necessary in the good faith determination of the Depositor or the Issuer to enable the Depositor to comply
with the provisions of Regulation AB. 
 (c) The Administrator shall provide any information reasonably requested by the
Depositor, the Issuer or any of their Affiliates, in order to comply with or obtain more favorable treatment under any current or future law, rule, regulation, accounting rule or principle. 
 Section 4. Records. The Administrator shall maintain appropriate books of account and records relating to services performed hereunder,
which books of account and records shall be accessible for inspection by the Issuer, the Indenture Trustee, the Registered Owners, the Eligible Lender Trustee, the Delaware Trustee and the Owner at any time during normal business hours. 

Section 5. Compensation. As compensation for the performance of the Administrator’s obligations under this Agreement and as
reimbursement for its expenses related thereto, the Administrator shall be entitled to a fee as set forth in the engagement letter dated May 25, 2006 between the Issuer and the Administrator (the “Engagement Letter”). The payment of
the foregoing fee shall be solely an obligation of the Issuer to be paid solely out of the Trust Estate. The compensation set forth in the Engagement Letter cannot be changed without Rating Confirmation. 
 Section 6. Independence of the Administrator. For all purposes of this Agreement, the Administrator shall be an independent contractor and
shall not be subject to the supervision of the Issuer, the Eligible Lender Trustee or the Delaware Trustee with respect to the manner in which it accomplishes the performance of its obligations hereunder. Unless expressly authorized by the Issuer,
the Eligible Lender Trustee or the Delaware Trustee or unless otherwise provided in this Agreement, the Administrator shall have no authority to act for or represent the Issuer, the Eligible Lender Trustee or the Delaware Trustee in any way and
shall not otherwise be deemed an agent of the Issuer, the Eligible Lender Trustee or the Delaware Trustee. 
  

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 Section 7. No Joint Venture. Nothing contained in this Agreement: (a) shall constitute
the Administrator and any of the Issuer, the Eligible Lender Trustee, the Delaware Trustee or the Owner as members of any partnership, joint venture, association, syndicate, unincorporated business or other separate entity; (b) shall be
construed to impose any liability as such on any of them; or (c) shall be deemed to confer on any of them any express, implied or apparent authority to incur any obligation or liability on behalf of the others. 
 Section 8. Other Activities of the Administrator. Nothing herein shall prevent the Administrator or its affiliates from engaging in other
businesses or, in its or their sole discretion, from acting in a similar capacity as an administrator for any other person or entity even though such person or entity may engage in business activities similar to those of the Issuer, the Eligible
Lender Trustee, the Delaware Trustee or the Indenture Trustee. 
 Section 9. Term of Agreement; Resignation and Removal of
Administrator. Unless sooner terminated in accordance with the provisions of this Section, this Agreement shall remain in full force and effect until the dissolution of the Issuer, in which event this Agreement shall automatically terminate. The
Administrator may resign its duties hereunder by providing the Issuer and the Rating Agencies with at least one hundred eighty (180) days’ (or such shorter period of time as to which a Rating Confirmation has been obtained) prior written
notice. The Administrator may be removed immediately upon written notice of termination from the Issuer or the Indenture Trustee to the Administrator and the Rating Agencies if any of the following events shall occur: 
 (a) the Administrator shall default in the performance of any of its duties under this Agreement and, after notice of such default, shall
not cure such default within ten days (or, if such default cannot be cured in such time, shall not give within ten days such assurance of cure as shall be reasonably satisfactory to the Issuer); 
 (b) a court having jurisdiction in the premises shall enter a decree or order for relief, and such decree or order shall not have been
vacated within sixty (60) days, in respect of the Administrator in any involuntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect or appoint a receiver, liquidator, assignee, custodian, trustee,
sequestrator or similar official for the Administrator or any substantial part of its property or order the winding-up or liquidation of its affairs; or 
 (c) the Administrator shall commence a voluntary case under any applicable bankruptcy, insolvency or other similar law now or hereafter in effect, shall consent to the entry of an order for relief in an involuntary
case under any such law, or shall consent to the appointment of a receiver, liquidator, assignee, trustee, custodian, sequestrator or similar official for the Administrator or any substantial part of its property, shall consent to the taking of
possession by any such official of any substantial part of its property, shall make any general assignment for the benefit of creditors or shall fail generally to pay its debts as they become due. 
 The Administrator agrees that if any of the events specified in clause (a), (b) or (c) of this Section shall occur, it shall give written
notice thereof to the Issuer, the Indenture Trustee and to the Rating Agencies within seven days after the happening of such event. The Administrator agrees that it will not commence or consent to the events specified in clause (c) without the
prior written consent of the Issuer. 
  

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 No resignation or removal of the Administrator pursuant to this Section shall be effective until
(i) a successor Administrator shall have been appointed by the Issuer (with the consent of the Delaware Trustee and the Eligible Lender Trustee); (ii) such successor Administrator shall have a net worth of at least five million dollars
($5,000,000) and shall have agreed in writing to be bound by the terms of this Agreement in the same manner as the Administrator is bound hereunder; and (iii) a Rating Confirmation is first obtained with respect to such resignation or removal.

 The appointment of any successor Administrator shall be effective only if a Rating Confirmation shall have been obtained with respect to
such appointment. 
 Section 10. Action Upon Termination, Resignation or Removal. Promptly upon the effective date of
termination of this Agreement pursuant to Section 10 hereof or the resignation or removal of the Administrator pursuant to Section 10 hereof, respectively, the Administrator shall be entitled to be paid all fees and reimbursable expenses
accruing to it to the date of such termination, resignation or removal. The Administrator shall forthwith upon such termination deliver to the Issuer all property and documents of or relating to the Trust Estate then in the custody of the
Administrator. In the event of the resignation or removal of the Administrator, the Administrator shall cooperate with the successor Administrator and take all reasonable steps requested to assist the Issuer in making an orderly transfer of the
duties of the Administrator. 
 Section 11. Notices. Any notice, report or other communication given hereunder shall be in
writing and addressed as follows: 
  

			
	 If to the Administrator, to:
  

		 	 Goal Financial, LLC
 9477 Waples Street, Suite 100
 San Diego, California 92121
 Attention: Seamus Garland

	  
 If to the Rating Agencies:
  

		 	 Moody’s Investors Service
 99 Church Street
 New York, New York 10007
 Attention: Sharon Asch

		
		 	 Standard & Poor’s Ratings Services
 55 Water Street
 New York, New York 10041

  

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	     If to the Issuer, to:
  

		  	 Goal Capital Funding Trust 2006-1
 c/o Wilmington Trust Company
 1100 North Market Street
 Wilmington, Delaware 19890
 Attention: Corporate Trust
Administration

	
	     If to the Indenture Trustee or the Eligible Lender Trustee, to:

		
		  	 The Bank of New York
 10161 Centurion Parkway
 Jacksonville, Florida 32256
 Attention: Corporate Trust
Department

	
	     If to the Delaware Trustee, to:

		
		  	 Wilmington Trust Company
 1100 North Market Street
 Wilmington, Delaware 19890
 Attention: Corporate Trust
Administration

 or to such other address as any party shall have provided to the other parties in writing. Any notice required to
be in writing hereunder shall be deemed given if such notice is mailed by certified mail, postage prepaid, or hand delivered to the address of such party as provided above. 
 Section 12. Amendments. This Agreement may be amended from time to time by written instrument signed by the parties hereto so long as a
Rating Confirmation has been obtained with respect to such amendment. 
 Section 13. Successors and Assigns. This Agreement may
not be assigned by the Administrator unless such assignment is previously consented to in writing by the Issuer, the Delaware Trustee, the Registered Owners, the Eligible Lender Trustee and the Indenture Trustee, and unless (i) each Rating
Agency shall have been given sixty (60) days’ prior notice of such assignment and (ii) a Rating Confirmation has been obtained with respect to such assignment. An assignment with such consent and satisfaction, if accepted by the
assignee, shall bind the assignee hereunder in the same manner as the Issuer is bound hereunder. Notwithstanding the foregoing, this Agreement may be assigned by the Administrator without the consent of the Issuer, the Eligible Lender Trustee or the
Delaware Trustee to a corporation or other organization that is a successor (by merger, consolidation or purchase of assets) to the Administrator; provided that such successor organization executes and delivers to the Issuer, the Eligible Lender
Trustee, the Delaware Trustee and the Administrator an agreement in which such corporation or other organization agrees to be bound hereunder by the terms of the assignment in the same manner as the Administrator is bound hereunder, and
(i) each Rating Agency shall have been given sixty (60) days’ prior notice of such assignment and (ii) a Rating Confirmation shall have been obtained with respect to, such assignment. Subject to the foregoing, this Agreement
shall bind any such permitted successors or assigns of the parties hereto. 
  

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 Section 14. Governing Law. THIS AGREEMENT SHALL BE CONSTRUED BY AND INTERPRETED IN
ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, INCLUDING SECTION 5-1401 AND 5-1402 OF THE GENERAL OBLIGATIONS LAW BUT OTHERWISE WITHOUT GIVING EFFECT TO THE PRINCIPLES OF CONFLICTS OF LAW, AND THE RIGHTS, OBLIGATIONS AND REMEDIES OF THE PARTIES
HERETO SHALL BE DETERMINED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. 
 Section 15. Consent to Jurisdiction. ANY
LEGAL SUIT, ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR ANY TRANSACTION CONTEMPLATED HEREBY MAY BE INSTITUTED IN ANY FEDERAL OR STATE COURT IN THE COUNTY OF NEW YORK, STATE OF NEW YORK AND EACH PARTY HERETO HEREBY WAIVES ANY
OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING, AND, SOLELY FOR THE PURPOSES OF THIS AGREEMENT, EACH PARTY HERETO HEREBY IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY SUCH COURT IN ANY
SUCH SUIT, ACTION OR PROCEEDING. 
 Section 16. Headings. The section headings hereof have been inserted for convenience of
reference only and shall not be construed to affect the meaning, construction or effect of this Agreement. 
 Section 17.
Counterparts. This Agreement may be executed in counterparts, each of which when so executed shall together constitute but one and the same agreement. 
 Section 18. Severability. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall be ineffective to the extent of such prohibition or unenforceability without
invalidating the remaining provisions hereof and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction. 
 Section 19. Indemnity. 
 (a)
The Issuer, but only to the extent of the assets in the Trust Estate and without personal recourse to the Issuer, the Delaware Trustee, the Indenture Trustee and the Eligible Lender Trustee and their directors, officers, employees, agents and
servants, and all Persons controlling, controlled by or under common control or otherwise affiliated with them, agrees that it shall pay and shall protect, indemnify and save harmless the Administrator and the Administrator’s directors,
officers, employees, agents and servants, and all Persons controlling, controlled by or under common control or otherwise affiliated with the Administrator (each of the foregoing an “Indemnified Person”) from and against any and all
losses, liabilities (including liabilities for penalties), actions, suits, judgments, demands, damages, costs and expenses (including, without limitation, fees and expenses of counsel) of any nature (including, without limitation, under any federal,
state or foreign securities laws, rules or regulations) arising from or relating to this Agreement and the transactions contemplated hereby or by any of the agreements, instruments or documents to which the Administrator may be a party, whether now
existing or hereinafter arising (all of the foregoing being collectively referred to as “Indemnified 
  

 14 

 Amounts”); excluding, however, Indemnified Amounts resulting from the negligence or misconduct of the Administrator
in performing its obligations under this Agreement. If any action, suit or proceeding arising from any of the foregoing is brought against any Indemnified Person, the Issuer, but only to the extent of the assets of the Indenture Trust available
therefor and without personal recourse, will resist and defend such action, suit or proceeding or cause the same to be resisted and defended by its counsel (which counsel shall be reasonably satisfactory to the affected Indemnified Person or
Persons) and shall pay all costs of defense as incurred unless it is finally determined by a court of competent jurisdiction that such Indemnified Person is not entitled to indemnification hereunder. 
 (b) This Section shall survive the termination of this Agreement. 
 Section 20. Limitation of Liability of Eligible Lender Trustee and Delaware Trustee. Notwithstanding anything contained herein to the contrary, this instrument has been executed by each of Wilmington
Trust Company and The Bank of New York, not in its individual capacity but solely in its capacity as Delaware Trustee or Eligible Lender Trustee, as applicable, and in no event shall Wilmington Trust Company or The Bank of New York, in its
individual capacity or any beneficial owner of the Issuer have any liability for the representations, warranties, covenants, agreements or other obligations of the Issuer hereunder, as to all of which recourse shall be had solely to the assets of
the Issuer. 
 Section 21. No Petition. The parties hereto will not at any time institute against the Issuer any bankruptcy,
reorganization, arrangement, insolvency or liquidation proceeding under any United States federal or state bankruptcy or similar law in connection with any obligations of the Issuer under any Basic Document as such term is defined in the Indenture.
The obligations of this Section shall survive termination of this Agreement. 
 Section 22. Entire Agreement. This Agreement
embodies and constitutes the entire understanding between the parties with respect to the transactions contemplated by this Agreement, and all prior or contemporaneous agreements, understandings, representations and statements between the parties,
written or oral, are merged into and superseded by this Agreement. 
  

 15 

 IN WITNESS WHEREOF, the parties have caused this Agreement to be duly executed and delivered as of the
day and year first above written. 
  

			
	GOAL CAPITAL FUNDING TRUST 2006-1
		
	By:	 	 WILMINGTON TRUST COMPANY,
 not in its individual
capacity but solely as
 Delaware Trustee

		
	By:	 	 /s/ Joann A. Rozell

	Name:	 	Joann A. Rozell
	Title:	 	Assistant Vice President

  

					
		 	S-1	 	ADMINISTRATION AGREEMENT

			
	 WILMINGTON TRUST COMPANY, not in its
 individual capacity but solely as Delaware Trustee

		
	 By:
	 	 /s/ Joann A. Rozell

	 Name:
	 	Joann A. Rozell
	 Title:
	 	Assistant Vice President

  

					
		 	S-2	 	ADMINISTRATION AGREEMENT

			
	 THE BANK OF NEW YORK, not in its individual
 capacity but solely as Eligible Lender Trustee

		
	By:	 	 /s/ William Cardozo

	Name:	 	William Cardozo
	Title:	 	Agent

  

					
		 	S-3	 	ADMINISTRATION AGREEMENT

			
	THE BANK OF NEW YORK, as Indenture Trustee
		
	By:	 	 /s/ William Cardozo

	Name:	 	William Cardozo
	Title:	 	Agent

  

					
		 	S-4	 	ADMINISTRATION AGREEMENT

			
	 GOAL FINANCIAL, LLC

		
	By:	 	 /s/ Seamus Garland

	Name:	 	Seamus Garland
	Title:	 	Secretary

  

					
		 	S-5	 	ADMINISTRATION AGREEMENT

 EXHIBIT A 
 POWER OF ATTORNEY 
  

	

			
	STATE OF DELAWARE	 	)
		 	)
	COUNTY OF NEW CASTLE	 	)

 KNOW ALL MEN BY THESE PRESENTS, that Goal Capital Funding Trust 2006-1, as Issuer (the
“Issuer”), in connection with the Administration Agreement dated as of May 25, 2006 (as the same may be amended from time to time, the “Agreement”) among the Issuer, the Delaware Trustee, the Indenture Trustee, the Eligible
Lender Trustee and the Administrator, does hereby make, constitute and appoint Goal Financial, LLC, and its agents and attorneys, as Attorney-in-Fact to execute on behalf of the Issuer all such documents, reports, filings, instruments, certificates
and opinions as it shall be the duty of the Issuer to prepare, file or deliver pursuant to the Trust Related Agreements, including, without limitation, to appear for and represent the Issuer in connection with the preparation, filing and audit of
federal, state and local tax returns pertaining to the Issuer, and with full power to perform any and all acts associated with such returns and audits that the Issuer could perform, including without limitation, the right to distribute and receive
confidential information, defend and assert positions in response to audits, initiate and defend litigation, and to execute waivers of restrictions on assessments of deficiencies, consents to the extension of any statutory or regulatory time limit,
and settlements. 
 All powers of attorney for this purpose heretofore filed or executed by the Issuer are hereby revoked. 
 Capitalized terms that are used and not otherwise defined herein shall have the meanings ascribed thereto in the Agreement. 
 EXECUTED as of this      day of May, 2006. 
  

							
	 GOAL CAPITAL FUNDING TRUST 2006-1

			
		 	 By:
	 	 WILMINGTON TRUST COMPANY,
 not in its
individual capacity
 but solely as Delaware Trustee

				
		 		 	By:	 	  
  

		 		 	Name:	 	  
  

		 		 	Title:	 	  
  

 EXHIBIT B 
 MONTHLY MONITORING REPORT 
 [See Section 1(h)(11)] 
 [Provided separately]Verification Agent Agreement

 Exhibit 10.3 
 THIS VERIFICATION AGENT AGREEMENT dated as of May 25, 2006 (as amended from time to time, this “Agreement”), among GOAL CAPITAL FUNDING TRUST 2006-1, a Delaware statutory trust (the “Issuer”),
GOAL FINANCIAL, LLC, a California limited liability company (the “Administrator”) and THE BANK OF NEW YORK., a New York banking corporation, as Verification Agent (the “Verification Agent”). 
 W I T N E S S E T H: 
 Whereas, the Issuer
and the Administrator have entered into an Administration Agreement dated as of May 25, 2006 (as the same may be amended from time to time, the “Administration Agreement”) among such parties and Wilmington Trust Company, as Delaware
trustee (the “Delaware Trustee”), The Bank of New York, as indenture trustee (the “Indenture Trustee”), and The Bank of New York, as eligible lender trustee (the “Eligible Lender Trustee”), in connection with the
issuance from time to time by the Issuer of its notes under an Indenture of Trust, dated as of May 25, 2006 by and between the Issuer, the Eligible Lender Trustee and the Indenture Trustee (together with any Supplemental Indentures and any
amendments thereto made from time to time in accordance with their respective terms, the “Indenture”); and 
 NOW, THEREFORE, in
consideration of the mutual covenants contained herein, and other good and valuable consideration, the receipt and adequacy of which are hereby acknowledged, the parties agree as follows: 
 Capitalized terms defined in the Indenture and used but not otherwise defined herein shall have the meanings assigned to such terms in the Indenture.

 Section 1. Duties of the Verification Agent. The Verification Agent agrees, from the date hereof, to perform such duties and
only such duties set forth on Schedule I hereto. To the extent necessary, in performing such duties, the Verification Agent shall obtain information from sources other than the Administrator. In carrying out any of its obligations under this
Agreement, the Verification Agent may act either directly or through agents, attorneys, accountants, independent contractors and auditors and enter into agreements with any of them and shall not be liable for the acts and omissions of such agents,
attorneys, accountants, independent contractors and auditors appointed with due care. 
 The Verification Agent may conclusively rely and
shall be fully protected in acting or refraining from acting upon any resolution, certificate, statement, instrument, opinion, report, notice, request, consent, order, approval or other paper or document believed by it to be genuine and to have been
signed or presented by the property party or parties. 
 It is hereby understood and agreed by the parties hereto that the Verification Agent
shall rely solely on information provided to it by the Administrator or appropriate third party sources in performing its duties as set forth in this Agreement and that the Verification Agent shall have no obligation to monitor the performance of
the Administrator. The parties hereto further agree that the Verification Agent shall have no liability in connection with the performance of the Administrator under this Agreement or the Indenture. 

 Section 2. Information Provided by Issuer. Not later than three (3) Business Days
prior to each Monthly Servicing Payment Date and each Quarterly Distribution Date, the Issuer shall deliver to the Verification Agent the applicable Servicer’s Report and the applicable Issuer Order in order to enable the Verification Agent to
perform its duties pursuant to Section 1 hereof. 
 Section 3. Indemnification. In performing its duties hereunder, except
as otherwise provided herein, the Verification Agent shall be entitled to the same indemnities, and held to the same standard of care, as is the Trustee under the Indenture. 
 Section 4. Compensation. For so long as the Verification Agent is also acting as the Trustee under the Indenture, the Verification Agent
shall waive the separate fee otherwise payable to the Verification Agent under this Agreement. 
 Section 5. Additional Information
to be Furnished. The Administrator, on behalf of the Issuer, shall promptly furnish to the Verification Agent such additional information regarding the Trust Estate as the Verification Agent shall reasonably request for purposes of performing
its obligations hereunder. 
 Section 6. Term of Agreement; Resignation and Removal of Verification Agent. 
 (a) This Agreement shall continue in force until the dissolution of the Issuer, upon which event this Agreement shall automatically terminate. 

(b) Subject to Section 6(d) hereof, the Verification Agent may resign its duties hereunder by providing the Issuer, the Eligible Lender Trustee,
the Delaware Trustee, the Indenture Trustee and the Administrator with at least 60 days’ prior written notice. 
 (c) Subject to
Section 6(d) hereof, the Issuer may remove the Verification Agent without cause by providing the Verification Agent with at least 60 days’ prior written notice. 
 (d) No resignation or removal of the Verification Agent pursuant to this Section shall be effective until (i) a successor Verification Agent shall have been appointed by the Issuer and (ii) such successor
Verification Agent shall have agreed in writing to be bound by the terms of this Agreement in the same manner as the Verification Agent is bound hereunder; provided, however, that the Verification Agent may petition a court of competent jurisdiction
to appoint a successor Verification Agent. 
 (e) The appointment of any successor Verification Agent shall be effective only if each Rating
Agency shall have been given at least 10 days’ prior notice of such proposed appointment, and a Rating Confirmation shall have occurred with respect to such appointment. 
 Section 7. Limitation of Liability. It is expressly understood and agreed by the parties hereto that (a) this Agreement is executed
and delivered by Wilmington Trust Company, not individually or personally but solely as Delaware Trustee of the Issuer, in the exercise of the powers and authority conferred and vested in it; (b) each of the representations, undertakings and
agreement herein made on the part of the Issuer is made and intended not as personal representations, undertakings and agreements by Wilmington Trust Company but is made and 
  

 2 

 intended for the purpose of binding only the Issuer; (c) nothing herein contained shall be construed as creating any
liability on Wilmington Trust Company, individually or personally, to perform any covenant either expressed or implied contained herein, all such liability, if any, being expressly waived by the parties hereto and by any Person claiming by, through
or under the parties hereto; and (d) under no circumstances shall Wilmington Trust Company be personally liable for the payment of any indebtedness or expenses of the Issuer or be liable for the breach or failure of any obligations,
representation, warranty or covenant made or undertaken by the Issuer under this Agreement or any other related document. 
 Section
8. Notices. Any notice, report or other communication given hereunder shall be in writing (which includes facsimile or other electronic communications that produce an image) and addressed as follows: 
  

			
	If to the Issuer:	  	Goal Capital Funding Trust 2006-1
		  	c/o Wilmington Trust Company
		  	1100 North Market Street
		  	Wilmington, Delaware 19890
		  	Attention: Jeanne Oller
		  	Facsimile: (302) 636-4140
		  	E-Mail: joller@wilmingtontrust.com

 With a copy to the Administrator at the address determined below 
  

			
	If to the Administrator:	  	Goal Financial, LLC
		  	9477 Waples Street, Suite 100
		  	San Diego, California 92121
		  	Attention: Seamus Garland
		  	Facsimile: (858) 452-6648
		  	E-Mail: sgarland@goalfinancial.net

  

			
	If to the Verification Agent:	  	The Bank of New York
		  	10161 Centurion Parkway
		  	Jacksonville, Florida 32256
		  	Attention: Nathan Turner
		  	Facsimile: (904) 988-4740
		  	E-Mail: nturner@bankofny.com

 or to such other address as any party shall have provided to the other parties in writing. Any notice required to
be in writing hereunder shall be deemed given if such notice is mailed by certified mail, postage prepaid, or hand delivered to the address of such party as provided above. 
 Section 9. Amendments. This Agreement may be amended from time to time by the parties hereto so long as a Rating Confirmation has occurred
with respect to such amendment. The Verification Agent shall not be required to enter any amendment which affects its own rights, duties or obligations hereunder. 
  

 3 

 Section 10. Successors and Assigns. This Agreement may not be assigned by the Verification
Agent unless such assignment is previously consented to in writing by the Issuer and the Indenture Trustee, unless each Rating Agency shall have been given at least 10 days’ prior notice of, and a Rating Confirmation has occurred with respect
to, such assignment. An assignment in accordance with the preceding sentence, if accepted by the assignee, shall bind the assignee hereunder in the same manner as the Verification Agent is bound hereunder. Notwithstanding the foregoing, this
Agreement may be assigned by the Verification Agent without the consent of the Issuer or the Indenture Trustee to a corporation or other organization that is a successor (by merger, consolidation or purchase of assets) to the Verification Agent;
provided that such successor organization executes and delivers to the Issuer an agreement in which such corporation or other organization agrees to be bound hereunder by the terms of the assignment in the same manner as the Verification Agent is
bound hereunder, and each Rating Agency shall have been given 10 days’ prior notice of, and a Rating Confirmation shall have occurred with respect to, such assignment. Subject to the foregoing, this Agreement shall bind any such permitted
successors or assigns of the parties hereto. 
 Section 11. Governing Law. THIS VERIFICATION AGENT AGREEMENT SHALL BE CONSTRUED
BY AND INTERPRETED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, INCLUDING SECTION 5-1401 AND 5-1402 OF THE GENERAL OBLIGATIONS LAW BUT OTHERWISE WITHOUT GIVING EFFECT TO THE PRINCIPLES OF CONFLICTS OF LAW, AND THE RIGHTS, OBLIGATIONS AND
REMEDIES OF THE PARTIES HERETO SHALL BE DETERMINED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK. 
 Section 12. Consent to
Jurisdiction. ANY LEGAL SUIT, ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS VERIFICATION AGENT AGREEMENT OR ANY TRANSACTION CONTEMPLATED HEREBY MAY BE INSTITUTED IN ANY FEDERAL OR STATE COURT IN THE COUNTY OF NEW YORK, STATE OF NEW
YORK AND EACH PARTY HERETO HEREBY WAIVES ANY OBJECTION WHICH IT MAY NOW OR HEREAFTER HAVE TO THE LAYING OF VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING, AND, SOLELY FOR THE PURPOSES OF THIS VERIFICATION AGENT AGREEMENT, EACH PARTY HERETO HEREBY
IRREVOCABLY SUBMITS TO THE JURISDICTION OF ANY SUCH COURT IN ANY SUCH SUIT, ACTION OR PROCEEDING. 
 Section 13. Headings. The
section headings hereof have been inserted for convenience of reference only and shall not be construed to affect the meaning, construction or effect of this Agreement. 
 Section 14. Counterparts. This Agreement may be executed in counterparts, each of which when so executed shall together constitute but one and the same agreement. 
 Section 15. Severability. Any provision of this Agreement that is prohibited or unenforceable in any jurisdiction shall be ineffective to
the extent of such prohibition or unenforceability without invalidating the remaining provisions hereof and any such prohibition or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other
jurisdiction. 
  

 4 

 Section 16. Entire Agreement. This Agreement embodies and constitutes the entire
understanding between the parties with respect to the transactions contemplated by this Agreement, and all prior or contemporaneous agreements, understandings, representations and statements between the parties, written or oral, are merged into and
superseded by this Agreement. 
 Section 17. Additional Covenant of Verification Agent. The Verification Agent, by the
execution of this Agreement, covenants, represents and agrees that it will comply with each covenant, agreement or undertaking set forth in the Securitization Cooperation Annex attached to and incorporated in this Agreement. 
 [Signature pages follow.] 
  

 5 

 IN WITNESS WHEREOF, the parties have caused this Agreement to be duly executed and delivered as of the day and year first
above written. 
  

			
	GOAL CAPITAL FUNDING TRUST 2006-1
		
	By:	 	WILMINGTON TRUST COMPANY, not in its individual capacity but solely as Delaware Trustee
		
	By:	 	 /s/ Joann A. Rozell

	Name:	 	Joann A. Rozell
	Title:	 	Assistant Vice President

  

					
		  	S-1	 	Verification Agent Agreement

			
	THE BANK OF NEW YORK, as Verification Agent
		
	By:	 	 /s/ William Cardozo

	Name:	 	William Cardozo
	Title:	 	Agent

  

					
		  	S-2	 	Verification Agent Agreement

			
	GOAL FINANCIAL, LLC,
	as Administrator
		
	By:	 	 /s/ Seamus Garland

	Name:	 	Seamus Galand
	Title:	 	Secretary

  

					
		  	S-3	 	Verification Agent Agreement

 SCHEDULE I 
 DUTIES OF VERIFICATION AGENT 
 Prior to each Monthly Servicing Payment Date and each Quarterly Distribution Date, the
Verification Agent shall deliver to the Indenture Trustee a certificate certifying as to (a) whether the items set forth below with respect to each such date are accurately reflected in the applicable Monthly Servicer Report and the applicable
Issuer Orders and (b) whether, to the extent applicable, such items are calculated in accordance with the Indenture: 
  

	 	(1)	the amounts payable on such Monthly Servicing Payment Date or Quarterly Distribution Date, as applicable, pursuant to Section 5.04 of the Indenture (or, in the event of a
continuing Event of Default, Section 6.02 of the Indenture); 

  

	 	(2)	the summary of the Outstanding Amounts of each Class of Notes; 

  

	 	(3)	the aggregate principal balances of the Financed Eligible Loans and the change in such aggregate principal balances since the previous Collection Period; 

 

	 	(4)	the “weighted-average coupon” calculation, which shall be the following until such time as the Administrator notifies the Indenture Trustee in writing that such
calculation has been modified: for two or more borrowers, (i) the sum for all such borrowers of the product of the interest rate with respect to each loan and the principal balance of such loan, divided by (ii) the sum of the principal
balances with respect to such borrowers; and 

  

	 	(5)	the balance of the Reserve Fund and any change in such balance since the previous Collection Period. 

 ANNEX A 
 SECURITIZATION COOPERATION ANNEX 
 This Annex forms a part of the Verification Agent Agreement dated as of
May 25, 2006 (the “Agreement”) among Goal Capital Funding Trust 2006-1 (the “Issuer”), Goal Financial, LLC (the “Administrator”) and The Bank of New York, as verification agent (the “Verification Agent”).
Capitalized terms used but not defined in this Annex shall have the meanings assigned to them in Exhibit A hereto and, if not defined therein, in the Agreement. 
 (1) It is agreed and acknowledged that the purpose of this Annex is to facilitate compliance by Goal with the provisions of Regulation AB and related rules and regulations of the Commission. In furtherance thereof,
the Verification Agent agrees to take such actions to assist Goal in connection with any Securitization as Goal may reasonably request, provided that Goal shall not exercise its right to request delivery of information or other performance
under these provisions other than in good faith, or for purposes other than Goal’s compliance with the Securities Act, the Exchange Act and the rules and regulations of the Commission thereunder. Subject to the provisions of the Agreement, the
Verification Agent agrees to cooperate promptly and in good faith with any reasonable written request by Goal for information regarding the Verification Agent, including without limitation the following: 
 (a) information relating to the Verification Agent for use in, or in the preparation of, any prospectus or other Securitization Document;
and 
 (b) information relating to the Verification Agent that is required in order to enable Goal to comply with the
reporting requirements of the Exchange Act, including without limitation the requirements to file with the Commission Form 10-D and Form 10-K; 
 in either
case including any information required under Regulation AB as it relates to the Verification Agent or to the Verification Agent’s obligations under the Agreement; provided that notwithstanding Section 4 of the Agreement, any related
expenses shall be payable by, or shall be reimbursed by, the Issuer. Such information shall be true and correct and shall not contain an untrue statement of a material fact or omit to state any fact required to be stated therein or necessary to make
the statements therein not misleading. 
 (2) The Verification Agent shall indemnify the Verification Agent Indemnified Parties for any and
all losses arising from or relating to (a) noncompliance of any Verification Agent Information with applicable law, (b) any inaccuracy in or omission from the Verification Agent Information or (c) any breach of a covenant,
representation or warranty by the Verification Agent. 
 (3) This Annex shall survive any termination of the Verification Agent Agreement or
resignation or removal of The Bank of New York as Verification Agent with respect to any liability or obligation arising prior to such termination, resignation or removal; it being understood that the Verification Agent shall be required to provide
any information reasonably requested by Goal pursuant to this Annex relating to any period during which The Bank of New York was acting as Verification Agent. 
  

 Annex A-1 

 Exhibit A 
 DEFINITIONS 
 As used in this Annex, the following terms shall have the following
meanings: 
 “Commission” means, collectively, the Securities and Exchange Commission and any successor
agency. 
 “Exchange Act” means the Securities Exchange Act of 1934, as amended. 
 “Goal” means, collectively, the Issuer, Goal Capital Funding, LLC and Goal Financial, LLC, a California limited liability company. 
 “Agreement” is defined in the preamble to this Annex. 
 “Issuer” is defined in the preamble to this Annex. 
 “Regulation AB” shall mean Subpart 229.1100 – Asset Backed Securities (Regulation AB), 17 C.F.R. §§229.1100-229.1123 and subject to such clarification and interpretation as have been
provided by the Commission in the adopting release (Asset-Backed Securities, Securities Act Release No. 33-8518, 70 Fed. Reg. 1,506, 1,531 (January 7, 2005)) or by the staff of the Commission, or as may be provided by the Commission or its
staff from time to time. 
 “Securities Act” means the Securities Act of 1933, as amended. 
 “Securitization” means any (i) financing transaction or securities offering that is payable from or secured, directly or indirectly, by all or a
portion of the Financed Eligible Loans, (ii) sale or other transfer of all or a portion of the Financed Eligible Loans or (iii) other securitization, secured loan, financing or similar transaction involving all or a portion of the Financed
Eligible Loans. 
 “Securitization Document” means any transaction document or any prospectus, offering document, term sheet, computational
material or other information filed with the Commission or delivered to any rating agency, trustee, investor or other participant in connection with or during the term of a Securitization, including (without limitation) any reports under the
Exchange Act. 
 “Verification Agent Indemnified Parties” means (a) Goal, any subsequent purchaser or any beneficial owner of the
Financed Eligible Loans, (b) in the event of any Securitization of some or all of the Financed Eligible Loans, any trustee, underwriter, placement agent, initial purchaser, rating agency, any special purpose entity service company (i.e., any
company providing “independent directors”, management, ownership or related services in connection with securitization entities) or bond insurer in any of the transactions relating to the Securitization and (c) any of their respective
officers, directors, agents, employees and “controlling persons” (within the meaning of the Securities Act or the Exchange Act). 
  

 Annex A-2 

 “Verification Agent Information” means any information in any Securitization Document describing or
relating to the Verification Agent or any information delivered by the Verification Agent to Goal pursuant to this Annex. 
  

 Annex A-3

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