Document:

<PAGE>
                                                                     EXHIBIT 4.4

                             BROKER-DEALER AGREEMENT

                                     between

                             BANKERS TRUST COMPANY,

                                as Auction Agent

                                       and

                           SALOMON SMITH BARNEY INC.,
                                as Broker-Dealer

                            Dated as of JULY 1, 2001

                                   Relating to

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                           SENIOR SERIES 2001-1A and B
                                       AND
                           SUBORDINATE SERIES 2001-1C
<PAGE>

                             BROKER-DEALER AGREEMENT

     This BROKER-DEALER AGREEMENT (the "Broker Dealer Agreement"), dated as of
July 1, 2001, is by and between BANKERS TRUST COMPANY, a New York banking
corporation (together with its successors and assigns, the "Auction Agent"),
pursuant to authority granted to it in the Auction Agent Agreement, defined
below, acting not in its individual capacity, but solely as agent for Education
Loans Incorporated (the "Corporation"), a Delaware corporation and SALOMON SMITH
BARNEY INC. (together with its respective successors and assigns, the
"Broker-Dealer").

                                    RECITALS

     The Corporation proposes to cause the Trustee, defined below, to
authenticate and deliver $79,000,000 aggregate principal amount of its Student
Loan Asset-Backed Notes, Senior Series 2001-1A (the "Series 2001-1A Notes"),
$79,000,000 aggregate principal amount of its Student Loan Asset-Backed Notes,
Senior Series 2001-1B (the "Series 2001-1B Notes", and together with the Series
2001-1A Notes, the "Series 2001-1 Senior Notes"), and $23,800,000 aggregate
principal amount of its Student Loan Asset-Backed Notes, Subordinate Series
2001-1C (the "Series 2001-1C Notes", and together with the Series 2001-1 Senior
Notes, the "Series 2001-1 Notes"). The Series 2001-1 Notes are being issued
under the Third Supplemental Indenture of Trust, dated as of July 1, 2001 (the
"Third Supplemental Indenture"), executed in accordance with the Indenture of
Trust, dated as of December 1, 1999 (the "Indenture"), each between the
Corporation and U.S. Bank National Association, Minneapolis, Minnesota (together
with its successors and assigns, the "Trustee"). The Series 2001-1 Notes are
being issued as adjustable rate securities.

     The Third Supplemental Indenture provides that the Series 2001-1 Note
Auction Rate for each Interest Period after the Initial Interest Period shall
equal the lesser of the Net Loan Rate and the Auction Rate, but in no event
shall exceed 18% per annum with respect to the Series 2001-1 Notes.

     Pursuant to Section 2.9(a) of the Auction Agent Agreement, dated as of July
1, 2001, among the Trustee, the Auction Agent and the Corporation (the "Auction
Agent Agreement"), the Trustee has directed the Auction Agent to execute and
deliver this Broker-Dealer Agreement.

     The Auction Procedures require the participation of one or more
Broker-Dealers.

     NOW, THEREFORE, in consideration of the mutual covenants contained herein
and other good and valuable consideration, the receipt and sufficiency of which
is hereby acknowledged, the Auction Agent, as agent of the Corporation, and the
Broker-Dealer agree as follows:
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     Section 1. Definitions and Rules of Construction

     1.1. Terms Defined by Reference to the Third Supplemental Indenture

     Capitalized terms used herein and not otherwise defined herein shall have
the meanings given such terms in the Third Supplemental Indenture.

     1.2. Terms Defined Herein

     As used herein and in the Settlement Procedures, defined below, the
following terms shall have the following meanings, unless the context otherwise
requires:

     "Applicable Series 2001-1 Note Auction Rate" shall mean the Series 2001-1
Note Auction Rate as defined in the Third Supplemental Indenture.

     "Authorized Officer" shall mean, with respect to the Auction Agent, each
Managing Director, Vice President, Assistant Vice President, Assistant Secretary
and Assistant Treasurer assigned to its Corporate Trust and Agency Group and
every other officer or employee of the Auction Agent designated as an
"Authorized Officer" for purposes of this Agreement in a communication to the
Broker-Dealer.

     "Broker-Dealer Officer" shall mean each officer or employee of the
Broker-Dealer designated as a "Broker-Dealer Officer" for purposes of this
Broker-Dealer Agreement in a communication to the Auction Agent.

     "Beneficial Owner" shall mean a beneficial owner of any of the Series
2001-1 Notes.

     "Notice of Failure to Deliver or Make Payment" shall mean a notice
substantially in the form of Exhibit D hereto.

     "Notice of Transfer" shall mean a notice substantially in the form of
Exhibit C hereto.

     "Order Form" shall mean the form to be submitted by any Broker-Dealer on or
prior to any Auction Date substantially in the form of Exhibit B hereto.

     "Settlement Procedures" shall mean the Settlement Procedures attached
hereto as Exhibit A.

     1.3. Rules of Construction

     Unless the context or use indicate another or different meaning or intent,
the following rules shall apply to the construction of this Agreement;

          (a) Words importing the singular number shall include the plural
     number and vice versa.

          (b) The captions and headings herein are solely for convenience of
     reference and shall not constitute a part of this Agreement nor, shall they
     affect its meaning, construction or effect.

                                      -2-
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          (c) The words "hereof," "herein," "hereto," and other words of similar
     import refer to this Broker-Dealer Agreement as a whole.

          (d) All references herein to a particular time of day shall be to New
     York City time.

          (e) The rights and duties of the Broker-Dealer and the Auction Agent
     under this Broker-Dealer Agreement shall apply to all series of the Series
     2001-1 Notes, but separately. References to "Series 2001-1 Notes," unless
     the context clearly contemplates a reference to all Series 2001-1 Notes,
     shall refer only to the Series 2001-1A Notes as to rights and duties
     regarding Series 2001-1A Notes; only to the Series 2001-1B Notes as to
     rights and duties regarding Series 2001-1B Notes; and only to the Series
     2001-1C Notes as to rights and duties regarding Series 2001-1C Notes.

     Section 2. The Auction

     2.1. Incorporation by Reference of Auction Procedures and Settlement
          Procedures

          (a) On each Auction Date, the provisions of the Auction Procedures
     will be followed by the Auction Agent for the purpose of determining the
     Applicable Series 2001-1 Note Auction Rate for each Auction Period after
     the Initial Interest Period. Each periodic operation of such procedures is
     hereinafter referred to as an "Auction".

          (b) All of the provisions contained in the Auction Procedures and the
     Settlement Procedures are incorporated herein by reference in their
     entirety and shall be deemed to be a part of this Broker-Dealer Agreement
     to the same extent as if such provisions were fully set forth herein.

          (c) The Broker-Dealer and other Broker-Dealers may participate in
     Auctions for their own accounts.

     2.2. Preparation for Each Auction

          (a) Not later than 9:30 A.M. on each Auction Date for the Series
     2001-1 Notes, the Auction Agent shall advise the Broker-Dealer by telephone
     of the All Hold Rate, the Maximum Auction Rate, the Net Loan Rate and the
     One-month LIBOR or the Three-month LIBOR, as the case may be.

          (b) If the Auction Date for any Auction shall be changed after the
     Auction Agent has given notice of such Auction Date pursuant to clause
     (vii) of paragraph (a) of the Settlement Procedures, the Auction Agent, by
     telephone (confirmed in writing), telecopy or such other means as the
     Auction Agent deems practicable, shall give notice of such change to the
     Broker-Dealer not later than the earlier of 9:15 A.M. on the new Auction
     Date and 9:15 A.M. on the old Auction Date. Thereafter, the Broker-Dealer
     shall use its best efforts to promptly notify its customers who are
     Existing Holders of such change in the Auction Date.

                                      -3-
<PAGE>

          (c) From time to time upon request of the Auction Agent pursuant to
     Section 2.2(d) of the Auction Agent Agreement, the Broker-Dealer shall
     provide the Auction Agent with a statement of the aggregate amount of each
     series of Series 2001-1 Notes held by the Broker-Dealer as an Existing
     Holder for its own account or otherwise, as well as with a list of the
     Broker-Dealer's customers that the Broker-Dealer believes are Existing
     Holders of either series of the Series 2001-1 Notes (listed by series) and
     the aggregate principal amount of each series of Series 2001-1 Notes
     beneficially owned by each such customer. Except as permitted by Section
     2.10 of the Auction Agent Agreement, the Auction Agent shall keep
     confidential any such information and shall not disclose any such
     information so provided to any person other than the Broker-Dealer, the
     Issuer and the Trustee, provided that the Auction Agent reserves the right
     to disclose any such information if it is advised by its counsel that its
     failure to do so would be unlawful or would expose the Auction Agent to
     liability, loss, claim or damage for which the Auction Agent has not
     previously received indemnity reasonably satisfactory to it. The Auction
     Agent shall notify the Broker-Dealer, the Corporation and the Trustee
     promptly upon receipt of any request or demand to disclose such information
     and shall cooperate with any party seeking a protective order or similar
     relief.

          (d) The Auction Agent shall send by telecopy or other means a copy of
     any Notice of Series 2001-1 Notes Outstanding received from the Trustee to
     the Broker-Dealer in accordance with Section 4.3 hereof.

     2.3. Auction Schedule: Method of Submission of Orders

          (a) The Auction Agent shall conduct Auctions for the Series 2001-1
     Notes in accordance with the schedule set forth below. Such schedule may be
     changed by the Auction Agent with the consent of the Trustee and the Market
     Agent, which consent shall not be unreasonably withheld or delayed. The
     Auction Agent shall give written notice of any such change to the
     Broker-Dealer. Such notice shall be given prior to the close of business on
     the Business Day next preceding the first Auction Date on which any such
     change shall be effective.

     By 9:30 A.M.             The Auction Agent advises the Trustee and the
                              Broker-Dealers of the Maximum Auction Rate, the
                              All Hold Rate, the Net Loan Rate and the One-month
                              LIBOR or the Three-month LIBOR, as the case may
                              be, to be used in determining the Auction Rate
                              under the Auction Procedures, the Third
                              Supplemental Indenture and the Auction Agent
                              Agreement.

     9:30 A.M. - 12:30 P.M    The Auction Agent assembles information
                              communicated to it by Broker-Dealers as provided
                              in Section 4(c)(i) of the Third Supplemental
                              Indenture. The Submission Deadline is 12:30 P.M.

                                      -4-
<PAGE>

     Not earlier than         The Auction Agent makes determinations pursuant to
     12:30 P.M.               Section 4(c)(i) of the Third Supplemental
                              Indenture. Submitted Bids and Submitted Sell
                              Orders are accepted and rejected in whole or in
                              part and Series 2001-1 Notes allocated as
                              provided in Section 4(d) of the Third Supplemental
                              Indenture.

     By approximately         The Auction Agent advises the Trustee and the
     3:00 P.M.*               Broker-Dealers of the results of the Auction as
     4:00 P.M.**              provided in Section 4(c)(ii) of the Third
                              Supplemental Indenture. The Auction Agent gives
                              notice of Auction results as set forth in Section
                              2.4(a) hereof.

     *  If the Series 2001-1 Note Auction Rate is the Auction Rate.

     ** If the Series 2001-1 Note Auction Rate is the Net Loan Rate.

          (b) The Broker-Dealer agrees to maintain a list of Potential Holders
     and to contact the Potential Holders on such list on or prior to each
     Auction Date for the purposes of participating in the Auction on such
     Auction Date.

          (c) The Broker-Dealer shall submit Orders to the Auction Agent in
     writing by delivering an Order Form. The Broker-Dealer shall submit
     separate Orders to the Auction Agent for each Potential Holder or Existing
     Holder on whose behalf the Broker-Dealer is submitting an Order and shall
     not net or aggregate the Orders of different Potential Holders or Existing
     Holders on whose behalf the Broker-Dealer is submitting Orders.

          (d) The Broker-Dealer shall deliver to the Auction Agent (i) a Notice
     of Transfer with respect to any transfer of Series 2001-1 Notes made
     through the Broker-Dealer by an Existing Holder to another person other
     than pursuant to an Auction, and (ii) a Notice of Failure to Deliver or
     Make Payment with respect to the failure of any Series 2001-1 Notes to be
     transferred to or payment to be made by any person that purchased or sold
     Series 2001-1 Notes through the Broker-Dealer pursuant to a prior Auction.
     The Auction Agent is not required to accept any notice delivered pursuant
     to clauses (i) or (ii) of this subparagraph (d) with respect to an Auction
     unless it is received by the Auction Agent by 3:00 P.M. on the Business Day
     next preceding such Auction Date.

          (e) The Broker-Dealer agrees to handle its customers' Orders in
     accordance with its duties under applicable securities laws and rules.

     2.4. Notices

          (a) On each Auction Date, the Auction Agent shall notify the
     Broker-Dealer by telephone of the results of the Auction as set forth in
     paragraph (a) of the Settlement Procedures. The Auction Agent shall by
     10:30 A.M. on the Business Day next succeeding such Auction Date if
     previously requested by the Broker-Dealer notify the Broker-Dealer in
     writing of

                                      -5-
<PAGE>

     the disposition of all Orders submitted by the Broker-Dealer in the Auction
     held on such Auction Date.

          (b) The Broker-Dealer shall notify each Existing Holder or Potential
     Holder on whose behalf the Broker-Dealer has submitted an Order as set
     forth in paragraph (b) of the Settlement Procedures and take such other
     action as is required by the Broker-Dealer pursuant to the Settlement
     Procedures.

          (c) The Auction Agent shall deliver to the Broker-Dealer all notices
     and certificates that the Auction Agent is required to deliver to the
     Broker-Dealer pursuant to Section 2 of the Auction Agent Agreement at the
     times and in the manner set forth in the Auction Agent Agreement.

     2.5. Service Charge to Be Paid to the Broker-Dealer

     Not later than 2:00 P.M. on each Interest Payment Date with respect to each
Interest Period that immediately follows an Auction Date, the Auction Agent
shall pay to the Broker-Dealer a fee, from monies received from the Trustee, in
an amount in cash equal to the product of (i) the Broker-Dealer Fee Rate times
(ii) a fraction, the numerator of which is the number of days from the preceding
Interest Payment Date (or from the Closing Date, in the case of the first
Interest Payment Date) to the current Interest Payment Date (or, if the
particular series of Series 2001-1 Notes ceased to be outstanding prior to such
current Interest Payment Date, the date on which such series ceased to be
outstanding) and the denominator of which is 360 times (iii) the aggregate
principal amount of Series 2001-1 Notes of such series outstanding at the close
of business on the date of the original issuance of the Series 2001-1 Notes (in
the case of the initial Interest Payment Date) or at the close of business on
the preceding Interest Payment Date (in the case of all succeeding Interest
Payment Dates), as the case may be.

     2.6. Settlement

          (a) If any Existing Holder on whose behalf the Broker-Dealer has
     submitted a Bid or Sell Order for Series 2001-1 Notes that was accepted in
     whole or in part fails to instruct its Participant to deliver the Series
     2001-1 Notes subject to such Bid or Sell Order against payment therefor,
     the Broker-Dealer shall instruct such Participant to deliver such Series
     2001-1 Notes against payment therefor and the Broker-Dealer may deliver to
     the Potential Holder on whose behalf the Broker-Dealer submitted a Bid that
     was accepted in whole or in part, a principal amount of the Series 2001-1
     Notes that is less than the principal amount of the Series 2001-1 Notes
     specified in such Bid to be purchased by such Potential Holder.
     Notwithstanding the foregoing terms of this Section, any delivery or
     nondelivery of Series 2001-1 Notes that represents any departure from the
     results of an Auction, as determined by the Auction Agent, shall be of no
     effect unless and until the Auction Agent shall have been notified of such
     delivery or non-delivery in accordance with the terms of Section 2.3(d)
     hereof. The Auction Agent shall have no duty or liability with respect to
     enforcement of this Section 2.6(a).

          (b) Neither the Auction Agent, the Trustee, nor the Corporation shall
     have any responsibility or liability with respect to the failure of an
     Existing Holder, a Potential Holder or

                                      -6-
<PAGE>

     its respective Participant to deliver Series 2001-1 Notes or to pay for
     Series 2001-1 Notes sold or purchased pursuant to the Auction Procedures or
     otherwise. The Auction Agent shall have no responsibility for any
     adjustment to the fees paid pursuant to Section 2.5 hereof as a result of
     any failure described in this Section 2.6(b).

     Section 3. The Auction Agent

     3.1. Duties and Responsibilities

          (a) The Auction Agent is acting hereunder solely as agent for the
     Corporation and owes no fiduciary duties to any person by reason of this
     Broker-Dealer Agreement.

          (b) The Auction Agent undertakes to perform such duties and only such
     duties as are specifically set forth in this Broker-Dealer Agreement, and
     no implied covenants or obligations shall be read into this Broker-Dealer
     Agreement against the Auction Agent.

          (c) In the absence of bad faith or negligence on its part, the Auction
     Agent shall not be liable for any action taken, suffered, or omitted or for
     any error of judgment made by it in the performance of its duties under
     this Broker-Dealer Agreement. The Auction Agent shall not be liable for any
     error of judgment made in good faith unless the Auction Agent shall have
     been negligent in ascertaining (or failing to ascertain) the pertinent
     facts.

     3.2. Rights of the Auction Agent

          (a) The Auction Agent may conclusively rely and shall be fully
     protected in acting or refraining from acting upon any communication
     authorized by this Broker-Dealer Agreement and upon any written
     instruction, notice request, direction, consent report, certificate, share
     certificate or other instrument, paper or document reasonably believed by
     it to be genuine. The Auction Agent shall not be liable for acting upon any
     telephone communication authorized by this Broker-Dealer Agreement which
     the Auction Agent believes in good faith to have been given by the Trustee,
     a Broker-Dealer or the Corporation. The Auction Agent may record telephone
     communications with the Broker-Dealers.

          (b) The Auction Agent may consult with counsel of its own choice, and
     the advice of such counsel shall be full and complete authorization and
     protection in respect of any action taken, suffered or omitted by it
     hereunder in good faith and in reliance thereon.

          (c) The Auction Agent shall not be required to advance, expend or risk
     its own funds or otherwise incur or become exposed to financial liability
     in the performance of its duties hereunder.

          (d) The Auction Agent may perform its duties and exercise its rights
     hereunder either directly or by or through agents or attorneys and shall
     not be responsible for any willful misconduct or negligence on the part of
     any agent or attorney appointed by it with due care hereunder.

                                      -7-
<PAGE>

     3.3. The Auction Agent's Disclaimer

     The Auction Agent makes no representation as to the correctness, validity,
adequacy or accuracy of the recitals in or the adequacy or validity of this
Broker-Dealer Agreement, the Auction Agent Agreement or the validity or adequacy
of the Series 2001-1 Notes.

     Section 4. Miscellaneous

     4.1. Termination

     Any party may terminate this Broker-Dealer Agreement at any time upon five
days' prior notice to the other party; provided, however, that if the
Broker-Dealer is Salomon Smith Barney Inc., neither the Broker-Dealer nor the
Auction Agent may terminate this Broker-Dealer Agreement without first obtaining
the prior written consent of the Trustee and the Corporation of such
termination, which consent shall not be unreasonably withheld or delayed. For so
long as the Auction Agent Agreement is effective and if Salomon Smith Barney
Inc. is the sole Broker-Dealer, any termination of this Broker-Dealer Agreement
shall not be effective unless and until a successor, or substitute Broker-Dealer
Agreement becomes effective. This Broker-Dealer Agreement shall automatically
terminate upon the delivery of certificates representing the Series 2001-1 Notes
pursuant to Section 17 of the Third Supplemental Indenture or upon termination
of the Auction Agent Agreement.

     4.2. Participant

     The Broker-Dealer is, and shall remain for the term of this Broker-Dealer
Agreement, a member of, or Participant in, the Depository (or an affiliate of
such a member or Participant).

     4.3. Communications

     Except for (i) communications authorized to be made by telephone pursuant
to this Broker-Dealer Agreement or the Auction Procedures and (ii)
communications in connection with the Auctions (other than those expressly
required to be in writing), all notices, requests and other communications to
any party hereunder shall be in writing (including facsimile or similar writing)
and shall be given to such party, addressed to it, or its address or facsimile
number set forth below:

If to the Broker-Dealer, addressed:   SALOMON SMITH BARNEY INC.
                                      388 Greenwich Street
                                      32nd Floor
                                      New York, New York 10013
                                      Attention: Student Loan Finance Group
                                      Telephone: (212) 816-9948
                                      Facsimile: (212) 816-0598

                                      -8-
<PAGE>

If to the Auction Agent, addressed:   BANKERS TRUST COMPANY
                                      Corporate Trust and Agency Group
                                      4 Albany Street
                                      New York, New York 10006
                                      Attention: Auction Rate Securities
                                      Telephone: (212) 250-6850
                                      Facsimile: (212) 250-6215

If to the Trustee, addressed:         U.S. Bank National Association
                                      141 North Main Avenue
                                      Sioux Falls, South Dakota 57104
                                      Attention: Corporate Trust Department
                                      Telephone: (605) 339-8725
                                      Facsimile: (605) 335-3813

If to the Corporation, addressed:     Education Loans Incorporated
                                      105 First Avenue Southwest
                                      Aberdeen, South Dakota 57401
                                      Attention: President
                                      Telephone: (605) 622-4590
                                      Facsimile: (605) 622-4547

or such other address or facsimile number as such party may hereafter specify
for such purpose by notice to the other party. Each such notice, request or
communication shall be effective when delivered at the address specified herein.
Communications shall be given on behalf of the Broker-Dealer by a Broker-Dealer
Officer and on behalf of the Auction Agent by an Authorized Officer of the
Auction Agent. The Broker-Dealer may record telephone communications with the
Auction Agent.

     4.4. Entire Agreement

     This Broker-Dealer Agreement contains the entire agreement between the
parties relating to the subject matter hereof, and there are not other
representations, endorsements, promises, agreements or understandings, oral,
written or inferred, between the parties relating to the subject matter hereof,
except for the fee letter dated as of July 1, 2001, from the Auction Agent to
the Corporation.

     4.5. Benefits

     Nothing in this Broker-Dealer Agreement, express or implied, shall give to
any person, other than the Auction Agent, the Corporation, the Broker-Dealer and
their respective successors and assigns, any benefit of any legal or equitable
right, remedy or claim under this Broker-Dealer Agreement.

                                      -9-
<PAGE>

     4.6. Amendment; Waiver

          (a) This Broker-Dealer Agreement shall not be deemed or construed to
     be modified, amended, rescinded, canceled or waived, in whole or in part,
     except by a written instrument signed by a duly authorized representative
     of the parties hereto. This Broker-Dealer Agreement may not be amended
     without first obtaining the prior written consent of the Corporation.

          (b) Failure of either party to this Broker-Dealer Agreement to
     exercise any right or remedy hereunder in the event of a breach of this
     Broker-Dealer Agreement by the other party shall not constitute a waiver of
     any such right or remedy with respect to any subsequent breach.

     4.7. Successors and Assigns

     This Broker-Dealer Agreement shall be binding upon, inure to the benefit
of, and be enforceable by, the parties hereto and their respective successors
and assigns.

     4.8. Severability

     If any clause, provision or section of this Broker-Dealer Agreement shall
be ruled invalid or unenforceable by any court of competent jurisdiction, the
invalidity or unenforceability of such clause, provision or section shall not
affect any remaining clause, provision or sections hereof.

     4.9. Execution in Counterparts

     This Broker-Dealer Agreement may be executed in several counterparts, each
of which shall be an original and all of which shall constitute but one and the
same instrument.

     4.10. Governing Law

     This Broker-Dealer Agreement shall be governed by and construed in
accordance with the laws of the State of New York.

                  [The remainder of this page is intentionally left blank.]

                                      -10-
<PAGE>

     In Witness Whereof, the parties hereto have caused this Broker-Dealer
Agreement to be duly executed and delivered by their respective officers
thereunto duly authorized as of the date first above written.

                                       BANKERS TRUST COMPANY
                                       as Auction Agent

                                       By: /s/ Jody Sanchez
                                           ------------------------------------
                                           Title: Assistant Vice President
                                                  -----------------------------

                                       SALOMON SMITH BARNEY INC.,
                                       as Broker-Dealer

                                       By: /s/ H. Apfel
                                           ------------------------------------
                                           Title:
                                                  -----------------------------

Pursuant to and in accordance with Section
9 of the Third Supplemental Indenture
and Section 2.9 of the Auction Agent
Agreement (defined above), the undersigned
consents to the execution of the above
Broker-Dealer Agreement.

U.S. Bank National Association, as Trustee

By /s/ Thomas Steele
   -------------------------------
Title: Corporate Trust Officer
       ---------------------------

                                      -11-
<PAGE>

                      EXHIBIT A TO BROKER-DEALER AGREEMENT

                              SETTLEMENT PROCEDURES

     If not otherwise defined herein, capitalized terms used herein shall have
the meanings given such terms in Article 1 of the Third Supplemental Indenture.
These Settlement Procedures shall apply separately for each series of Series
2001-1 Notes.

          (a) Not later than (1) 3:00 P.M., if the Series 2001-1 Note Auction
     Rate is the Auction Rate or (2) 4:00 p.m. if the Series 2001-1 Note Auction
     Rate is the Net Loan Rate, on each Auction Date, the Auction Agent shall
     notify by telephone each Broker-Dealer that participated in the Auction
     held on such Auction Date and submitted an Order on behalf of an Existing
     Holder or Potential Holder of:

          (i)  the Series 2001-1 Note Auction Rate fixed for the next Interest
               Period;

          (ii) whether there were Sufficient Bids in such Auction;

          (iii) if such Broker-Dealer submitted Bids or Sell Orders on behalf of
               an Existing Holder (a "Seller's Broker-Dealer"), whether such Bid
               or Sell Order was accepted or rejected, in whole or in part, and
               the principal amount of Series 2001-1 Notes, if any, to be sold
               by such Existing Holder;

          (iv) if such Broker-Dealer submitted a Bid on behalf of a Potential
               Holder (a "Buyer's Broker-Dealer"), whether such Bid was accepted
               or rejected, in whole or in part, and the principal amount of
               Series 2001-1 Notes, if any, to be purchased by such Potential
               Holder;

          (v)  if the aggregate amount of Series 2001-1 Notes to be sold by all
               Existing Holders on whose behalf such Seller's Broker-Dealer
               submitted Bids or Sell Orders exceeds the aggregate principal
               amount of Series 2001-1 Notes to be purchased by all Potential
               Holders on whose behalf such Broker-Dealer submitted a Bid, the
               name or names of one or more Buyer's Broker-Dealers (and the name
               of the Participant, if any, of each such Buyer's Broker-Dealer)
               acting for one or more purchasers of such excess principal amount
               of Series 2001-1 Notes and the principal amount of Series 2001-1
               Notes to be purchased from one or more Existing Holders on whose
               behalf such Seller's Broker-Dealer acted by one or more Potential
               Holders on whose behalf each of such Buyer's Broker-Dealers
               acted;

          (vi) if the principal amount of Series 2001-1 Notes to be purchased by
               all Potential Holders on whose behalf such Buyer's Broker-Dealer

                                      A-1
<PAGE>

               submitted a Bid exceeds the amount of Series 2001-1 Notes to be
               sold by all Existing Holders on whose behalf such Broker-Dealer
               submitted a Bid or a Sell Order, the name or names of one or more
               Seller's Broker-Dealers (and the name of the Participant, if any,
               of each such Seller's Broker-Dealer) acting for one or more
               sellers of such excess principal amount of Series 2001-1 Notes
               and the principal amount of Series 2001-1 Notes to be sold to one
               or more Potential Holders on whose behalf such Buyer's
               Broker-Dealer acted by one or more Existing Holders on whose
               behalf each of such Seller's Broker-Dealers acted; and

          (vii) the Auction Date for the next succeeding Auction.

          (b) On each Auction Date, each Broker-Dealer that submitted an Order
     on behalf of any Existing Holder or Potential Holder shall:

          (i)  advise each Existing Holder and Potential Holder on whose behalf
               such Broker-Dealer submitted a Bid or Sell Order in the Auction
               on such Auction Date whether such Bid or Sell Order was accepted
               or rejected, in whole or in part;

          (ii) in the case of a Broker-Dealer that is a Buyer's Broker-Dealer,
               advise each Potential Holder on whose behalf such Buyer's
               Broker-Dealer submitted a Bid that was accepted, in whole or in
               part, to instruct such Potential Holder's Participant to pay such
               Buyer's Broker-Dealer (or its Participant) through the Depository
               the amount necessary to purchase the principal amount of Series
               2001-1 Notes to be purchased pursuant to such Bid against receipt
               of such Series 2001-1 Notes;

          (iii) in the case of a Broker-Dealer that is a Seller's Broker-Dealer,
               instruct each Existing Holder on whose behalf such Seller's
               Broker-Dealer submitted a Sell Order that was accepted, in whole
               or in part, to instruct such Existing Holder's Participant to
               deliver to such Seller's Broker-Dealer (or its Participant)
               through the Depository the principal amount of Series 2001-1
               Notes to be sold pursuant to such Order against payment therefor;

          (iv) advise each Existing Holder on whose behalf such Broker-Dealer
               submitted an Order and each Potential Holder on whose behalf such
               Broker-Dealer submitted a Bid of the Series 2001-1 Note Auction
               Rate for the next Series 2001-1 Note Interest Period;

          (v)  advise each Existing Holder on whose behalf such Broker-Dealer
               submitted an Order of the next Auction Date, including, without
               limitation, Existing Holders deemed to have submitted Hold

                                      A-2
<PAGE>

               Orders pursuant to Section 4(b)(iii) of the Third Supplemental
               Indenture; and

          (vi) advise each Potential Holder on whose behalf such Broker-Dealer
               submitted a Bid that was accepted, in whole or in part, of the
               next Auction Date.

          (c) On the basis of the information provided to it pursuant to
     paragraph (a) above, each Broker-Dealer that submitted a Bid or Sell Order
     in an Auction is required to allocate any funds received by it in
     connection with such Auction pursuant to paragraph (b) (ii) above, and any
     Series 2001-1 Notes received by it in connection with such Auction pursuant
     to paragraph (b) (iii) above among the Potential Holders, if any, on whose
     behalf such Broker-Dealer submitted Bids, the Existing Holders, if any, on
     whose behalf such Broker-Dealer submitted Bids or Sell Orders in such
     Auction, and any Broker-Dealers identified to it by the Auction Agent
     following such Auction pursuant to paragraph (a) (v) or (a) (vi) above.

          (d) On each Auction Date:

          (i)  each Potential Holder and Existing Holder with an Order in the
               Auction on such Auction Date shall instruct its Participant as
               provided in (b) (ii) or (b)(iii) above, as the case may be;

          (ii) each Seller's Broker-Dealer that is not a Participant of the
               Depository shall instruct its Participant to deliver such Series
               2001-1 Notes through the Depository to a Buyer's Broker-Dealer
               (or its Participant) identified to such Seller's Broker-Dealer
               pursuant to (a) (v) above against payment therefor; and

          (iii) each Buyer's Broker-Dealer that is not a Participant in the
               Depository shall instruct its Participant to pay through the
               Depository to a Seller's Broker-Dealer (or its Participant)
               identified following such Auction pursuant to (a) (vi) above the
               amount necessary to purchase the Series 2001-1 Notes to be
               purchased pursuant to (b) (ii) above against receipt of such
               Series 2001-1 Notes.

          (e) On the Business Day following each Auction Date:

          (i)  each Participant for a Bidder in the Auction on such Auction Date
               referred to in (d) (i) above shall instruct the Depository to
               execute the transactions described under (b) (ii) or (b) (iii)
               above for such Auction, and the Depository shall execute such
               transactions;

          (ii) each Seller's Broker-Dealer or its Participant shall instruct the
               Depository to execute the transactions described in (d)(ii) above
               for such Auction, and the Depository shall execute such
               transactions; and

                                      A-3
<PAGE>

          (iii) each Buyer's Broker-Dealer or its Participant shall instruct the
               Depository to execute the transactions described in (d) (iii)
               above for such Auction, and the Depository shall execute such
               transactions.

          (f) If an Existing Holder selling Series 2001-1 Notes in an Auction
     fails to deliver such Series 2001-1 Notes (by authorized book-entry), a
     Broker-Dealer may deliver to the Potential Holder on behalf of which it
     submitted a Bid that was accepted a principal amount of Series 2001-1 Notes
     that is less than the principal amount of Series 2001-1 Notes that
     otherwise was to be purchased by such Potential Holder. In such event, the
     principal amount of Series 2001-1 Notes to be so delivered shall be
     determined solely by such Broker-Dealer, but only in Authorized
     Denominations. Delivery of such lesser principal amount of Series 2001-1
     Notes shall constitute good delivery. Notwithstanding the foregoing terms
     of this paragraph (f), any delivery or nondelivery of Series 2001-1 Notes
     which shall represent any departure from the results of an Auction, as
     determined by the Auction Agent, shall be of no effect unless and until the
     Auction Agent shall have been notified of such delivery or nondelivery in
     accordance with the provisions of the Auction Agent Agreement and the
     Broker-Dealer Agreements. Neither the Trustee nor the Auction Agent will
     have any responsibility or liability with respect to the failure of a
     Potential Holder, Existing Holder or their respective Broker-Dealer or
     Participant to deliver the principal amount of Series 2001-1 Notes or to
     pay for the Series 2001-1 Notes purchased or sold pursuant to an Auction or
     otherwise.

                                      A-4
<PAGE>

                      EXHIBIT B TO BROKER-DEALER AGREEMENT

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2001-1A]
                             [SENIOR SERIES 2001-1B]
                          [SUBORDINATE SERIES 2001-1C]

                                   ORDER FORM

                                                       AUCTION DATE ____________
                                                       ISSUE ___________________
                                                       SERIES __________________

          Bidder(s) indicated The undersigned Broker-Dealer submits the
     following orders on behalf of the below:

                                 PRINCIPAL AMOUNT
                                OF NOTES ($50,000
        EXISTING HOLDER           OR MULTIPLES)             BID RATE
        ---------------           -------------             --------

1.  _______________________  _______________________  __________________________
2.  _______________________  _______________________  __________________________
3.  _______________________  _______________________  __________________________
4.  _______________________  _______________________  __________________________
5.  _______________________  _______________________  __________________________
6.  _______________________  _______________________  __________________________
7.  _______________________  _______________________  __________________________
8.  _______________________  _______________________  __________________________
9.  _______________________  _______________________  __________________________
10. _______________________  _______________________  __________________________

* Existing Holders may be described by name or other reference as determined in
  the sole discretion of the Broker-Dealer.

                                      B-1
<PAGE>

                          EDUCATION LOANS INCORPORATED

                         STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2001-1A]
                             [SENIOR SERIES 2001-1B]
                          [SUBORDINATE SERIES 2001-1C]

                            BIDS BY POTENTIAL HOLDERS

                                 PRINCIPAL AMOUNT
                                OF NOTES ($50,000
        EXISTING HOLDER           OR MULTIPLES)             BID RATE
        ---------------           -------------             --------

1.  _______________________  _______________________  __________________________
2.  _______________________  _______________________  __________________________
3.  _______________________  _______________________  __________________________
4.  _______________________  _______________________  __________________________
5.  _______________________  _______________________  __________________________
6.  _______________________  _______________________  __________________________
7.  _______________________  _______________________  __________________________
8.  _______________________  _______________________  __________________________
9.  _______________________  _______________________  __________________________
10. _______________________  _______________________  __________________________
11. _______________________  _______________________  __________________________
12. _______________________  _______________________  __________________________
13. _______________________  _______________________  __________________________
14. _______________________  _______________________  __________________________
15. _______________________  _______________________  __________________________

                NOTES:

1.   If one or more Orders covering in the aggregate more than the outstanding
     principal amount of Series 2001-1 Notes held by any Existing Holder are
     submitted, such Orders shall be considered valid in the order of priority
     set forth in the Auction Procedures.

2.   A Hold or Sell Order may be placed only by an Existing Holder covering a
     principal amount of Series 2001-1 Notes not greater than the principal
     amount currently held by such Existing Holder.

3.   Potential Holders may only make Bids, each of which must specify a rate. If
     more than one Bid is submitted on behalf of any Potential Holder, each Bid
     submitted shall be a separate Bid with the rate specified herein.

4.   Bids may contain no more than three figures to the right of the decimal
     point (.001 of 1%).

5.   An order must be submitted in principal amounts of $50,000 or integral
     multiples thereof.

                                      B-2
<PAGE>

* Potential Holders may be described by name or other reference as determined in
  the sole discretion of the Broker-Dealer.

                                      B-3
<PAGE>

NAME OF BROKER-DEALER:
                      --------------------------------------------------------

AUTHORIZED SIGNATURE:
                     ---------------------------------------------------------

TOTAL NUMBER OF ORDERS ON THIS ORDER FORM:
                                           --------------------------

Submit to:   BANKERS TRUST COMPANY
             Corporate Trust and Agency Group
             4 Albany Street
             New York, New York 10006
             Telephone:    (212) 250-6850
             Telecopier:   (212) 250-6215

                                      B-4
<PAGE>

                      EXHIBIT C TO BROKER-DEALER AGREEMENT

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2001-1A]
                             [SENIOR SERIES 2001-1B]
                          [SUBORDINATE SERIES 2001-1C]

                    (To be used only for transfers made other
                          than pursuant to an Auction)

We are (check one)

_____ the Existing Holder indicated below*; or

_____ the Broker-Dealer for such Existing Holder; or

_____ the Participant for such Existing Holder.

We hereby notify you that such Existing Holder has transferred $_________ (must
be in units of $50,000) of [Senior Series 2001-1A Notes] [Senior Series 2001-1B
Notes] [Subordinate Series 2001-1C Notes] to

                                       -----------------------------------------
                                       (Existing Holder)

                                       -----------------------------------------
                                       (Name of Broker-Dealer)

                                       -----------------------------------------
                                       (Name of Participant)

                                       By:
                                          --------------------------------------
                                       Printed Name:
                                                    ----------------------------
                                       Title:
                                             -----------------------------------

* Existing Holders may be described by name or other reference as determined in
  the sole discretion of the Broker-Dealer.

                                      C-1
<PAGE>

                      EXHIBIT D TO BROKER-DEALER AGREEMENT

                          EDUCATION LOANS INCORPORATED
                         STUDENT LOAN ASSET-BACKED NOTES
                             [SENIOR SERIES 2001-1A]
                             [Senior Series 2001-1B]
                          [SUBORDINATE SERIES 2001-1C]

                   NOTICE OF A FAIL TO DELIVER OR MAKE PAYMENT

COMPLETE EITHER I OR II.
------------------------

                    We are a Broker-Dealer for * (the "Purchaser"), which
                    purchased $_________ (must be in units of $50,000) of the
                    [Senior Series 2001-1A Notes] [Senior Series 2001-1B Notes]
                    [Subordinate Series 2001-1C Notes] in the Auction held on
                    _____________________ from the seller of such [Senior Series
                    2001-1A Notes] [Senior Series 2001-1B Notes] [Subordinate
                    Series 2001-1C Notes].

                    We are a Broker-Dealer for * (the "Seller"), which sold
                    $___________ (must be in units of $50,000) of the [Senior
                    Series 2001-1A Notes] [Senior Series 2001-1B Notes]
                    [Subordinate Series 2001-1C Notes] in the Auction held on
                    ___________________ to the purchaser of such [Senior Series
                    2001-1A Notes] [Senior Series 2001-1B Notes] [Subordinate
                    Series 2001-1C Notes].

We hereby notify you that (check one)

_______             the Seller failed to deliver such [Senior Series 2001-1A
                    Notes] [Senior Series 2001-1B Notes] [Subordinate Series
                    2001-1C Notes] to the Purchaser.

_______             the Purchaser failed to make payment to the Seller upon
                    delivery of such [Senior Series 2001-1A Notes] [Senior
                    Series 2001-1B Notes] [Subordinate Series 2001-1C Notes].

                                       (Name of Broker-Dealer)

                                       By:
                                          --------------------------------------
                                       Name:
                                            ------------------------------------
                                       Title:
                                             -----------------------------------

* may be described by name or other reference as determined in the sole
  discretion of the Broker-Dealer.<PAGE>

                                                                    EXHIBIT 10.1
================================================================================

                               AMENDMENT NO. 2 TO
                     SERVICING AND ADMINISTRATION AGREEMENT

                                      among

                          EDUCATION LOANS INCORPORATED,
                                    as Issuer

                        STUDENT LOAN FINANCE CORPORATION,
                          as Servicer and Administrator

                                       and

                         U.S. BANK NATIONAL ASSOCIATION,
                                   as Trustee

                                   ----------

                            Dated as of July 1, 2001

                                   ----------

================================================================================
<PAGE>

            AMENDMENT NO. 2 TO SERVICING AND ADMINISTRATION AGREEMENT

     THIS AMENDMENT NO. 2 TO SERVICING AND ADMINISTRATION AGREEMENT, entered
into as of the 1st day of July, 2001, by and among Student Loan Finance
Corporation, a corporation organized under the laws of the State of South Dakota
("SLFC," and, in its capacity as servicer under the Original Servicing and
Administration Agreement hereinafter defined, the "Servicer," and, in its
capacity as administrator under the Original Servicing and Administration
Agreement, the "Administrator"), Education Loans Incorporated, a corporation
organized under the laws of the State of Delaware (the "Issuer"), and U.S. Bank
National Association, a national banking association headquartered in
Minneapolis, Minnesota, in its capacity as trustee under the Indenture
hereinafter referred to (the "Trustee").

                               W I T N E S E T H:

     WHEREAS, the Issuer, the Trustee and SLFC, as Servicer and Administrator,
have previously entered into a Servicing and Administration Agreement, dated as
of December 1, 1999, and an Amendment No.1 to Servicing and Administrative
Agreement, dated as of December 1, 2000 (collectively, the "Original Servicing
and Administration Agreement"); and

     WHEREAS, the parties desire to amend the Original Servicing and
Administration Agreement to, among other things, modify certain provisions;

     NOW, THEREFORE, the parties hereto, intending to be legally bound hereby
and in consideration of the premises, DO HEREBY AGREE as follows:

     Section 1. Amendment of Section 4. Section 4(b) of the Original Servicing
and Administration Agreement is hereby amended as follows:

     (b)  (1) Pursuant to the Issuer Student Loan Purchase Agreements, the
          Servicer will, on behalf of the Issuer and the Trustee, require that
          each Lender (in the case of FFELP Loans) or SLFC (in the case of
          Alternative Loans) transfer to the Servicer or the Servicer's bailee
          (or, in the case of the promissory notes relating to Alternative
          Loans, to the Trustee or a custodian designated by the Trustee or, to
          the extent not required under the Indenture to be transferred to the
          Trustee, to the Servicer or the Servicer's Bailee), on or before each
          applicable Loan Purchase Date, physical custody and possession of
          documentation and information relating to Student Loans scheduled to
          be sold to the Trustee on behalf of the Issuer on each such Loan
          Purchase Date. Such documentation and information so transferred will
          include (i) the documents described in Exhibit A (in the case of
          Issuer Student Loan Purchase Agreements relating to Alternative Loans)
          or Exhibit B (in the case of Issuer Student Loan Purchase Agreements
          relating to FFELP Loans) attached to the Issuer Student Loan Purchase
          Agreements (the "Loan Documents"), and (ii) such additional
          documentation or information relating to the Student Loans as the
          Servicer shall reasonably require for the purpose of allowing the
          Student Loans to be properly serviced by the Servicer.
<PAGE>

          (2) Pursuant to the Transfer Agreements, the Servicer will, on behalf
          of the Issuer and the Trustee, require that GOAL Funding transfer, or
          cause to be transferred, to the Servicer or the Servicer's bailee (or,
          in the case of the promissory notes relating to Alternative Loans, to
          the Trustee or a custodian designated by the Trustee or, to the extent
          not required under the Indenture to be transferred to the Trustee, to
          the Servicer or the Servicer's Bailee), on or before each applicable
          Loan Purchase Date (which term, as used in this Agreement with respect
          to the purchase of Financed GOAL Funding Student Loans, means the date
          of purchase of such loans under the applicable Transfer Agreement),
          physical custody and possession of documentation and information
          relating to Student Loans scheduled to be sold to the Trustee on
          behalf of the Issuer on each such Loan Purchase Date. Such
          documentation and information so transferred will include (i) the
          documents described in Exhibit A (in the case of GOAL Funding Student
          Loan Purchase Agreements relating to Alternative Loans) or Exhibit B
          (in the case of GOAL Funding Student Loan Purchase Agreements relating
          to FFELP Loans) attached to the GOAL Funding Student Loan Purchase
          Agreements (the "Loan Documents"), and (ii) such additional
          documentation or information relating to the Student Loans as the
          Servicer shall reasonably require for the purpose of allowing the
          Student Loans to be properly serviced by the Servicer.

     Section 2. Amendment of Section 6. Section 6(q) of the Original Servicing
and Administration Agreement is hereby amended as follows:

     (q)  Maintain the original promissory note pertaining to each Financed
          Student FFELP Loan (other than Financed Alternative Loans held by the
          Trustee or a custodian designated by the Trustee) to be maintained in
          secure storage facilities to protect, to the extent reasonable and
          possible under the circumstances, such original file concerning each
          such Financed Student FFELP Loan.

     Section 3. Amendment of Section 14. Section 14(d) of the Original Servicing
and Administration Agreement is hereby amended as follows:

     (d)  With respect to the original promissory note relating to each Financed
          Student FFELP Loan held by the Servicer or its bailee, the obligations
          of the Servicer shall be only to the Trustee during the time the Notes
          are Outstanding and the Issuer shall have no authority during the time
          the Notes are Outstanding to direct the Servicer in its activities
          with respect to such original promissory notes.

     Section 4. Amendment of Section 21. Section 21 of the Original Servicing
and Administration Agreement is hereby amended by adding the following clause
13:

     13.  The Servicer, on behalf of itself and on behalf of the Issuer, as the
          case may be, shall provide all notices and perform all other
          activities required of the Servicer or of the Issuer to comply with
          the requirements of the Gramm-Leach-Bliley Act and regulations
          promulgated thereunder in connection with the origination,

                                       2
<PAGE>

          acquisition, holding and servicing of the Financed Student Loans and
          in connection with otherwise performing services hereunder.

     Section 5. Amendment of Section 25. Section 25 of the Original Servicing
and Administration Agreement is hereby amended as follows:

          25. Indemnification with respect to Prior Servicing. Pursuant to the
     Series 1999-1 Transfer Agreement, the Series 2000-1 Transfer Agreement and
     the Series 2001-1 Transfer Agreement (as such terms are defined in the
     Indenture), the Issuer and the Trustee have purchased or will purchase
     student loans described therein (the "Previously Series 1999-1 Transferred
     Student Loans") from GOAL Funding and the GOAL Funding Trustee, which
     Previously Series 1999-1 Transferred Student Loans were, prior to such
     purchase, serviced by the Servicer under the GOAL Funding Servicing
     Agreement. Pursuant to other Transfer Agreements to be entered into, the
     Issuer and the Trustee will purchase student loans described therein (the
     "Subsequent Transferred Student Loans") from GOAL Funding and the GOAL
     Funding Trustee, which Subsequent Transferred Student Loans will, prior to
     such purchase, have been serviced by the Servicer under the GOAL Funding
     Servicing Agreement. The Servicer hereby agrees to indemnify and hold
     harmless the Issuer and the Trustee from and against any loss, cost, damage
     or expense, including reasonable attorney's fees, to the extent that such
     loss, cost, damage or expense arises out of the failure of the Servicer to
     have performed its obligations under the GOAL Funding Servicing Agreement.

     Section 6. Ratification. Except as amended by Sections 1 through 5 hereof,
the Original Servicing and Administration Agreement is in all respects fully
ratified and confirmed.

     Section 7. Effective Date. This Amendment No. 2 to Servicing and
Administration Agreement shall be effective as of the date first above written.

     Section 8. Severability. In case one or more of the provisions of this
Amendment No. 2 to Servicing and Administration Agreement shall, for any reason,
be held to be illegal or invalid, such illegality or invalidity shall not affect
any other provisions hereof, and this Amendment No. 2 to Servicing and
Administration Agreement shall be construed and enforced as if such illegal or
invalid provisions had not been contained herein.

     Section 9. Counterparts. This Amendment No. 2 to Servicing and
Administration Agreement may be executed in several counterparts, each of which
shall be an original and all of which together shall constitute one instrument.

                                       3
<PAGE>

     IN WITNESS WHEREOF, the parties have hereunto set their hands by their
officers thereunto duly authorized and executed this Amendment No. 2 to
Servicing and Administration Agreement as of the day and year first above
written.

                                       EDUCATION LOANS INCORPORATED

                                       By: /s/ A. Norgrin Sanderson
                                           -------------------------------------
                                                       President

                                       STUDENT LOAN FINANCE
                                          CORPORATION, as Servicer
                                          and Administrator

                                       By: /s/ A. Norgrin Sanderson
                                           -------------------------------------
                                                       President

                                       U.S. BANK NATIONAL ASSOCIATION,
                                          as Trustee

                                       By: /s/ Thomas Steele
                                           -------------------------------------
                                                     Trust Officer

                                       4

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