10/30/2017

TERRY A LASUT RANDY W LASUT JR

231 LUIE LANE 207 SPRUCE STREET
WINDBER, PA 15963 WINDBER, PA 15963

Re: SunTrust Bank Loan ID: 10457193

Dear TERRY A LASUT and RANDY W LASUT JR:
Thank you for applying for a Custom Choice Loan®. SunTrust Bank would like to help ensure that your education
financing needs are being met. Attached are loan documents you must review and retain.
Action Required of You
1. Step 1: Sign and return the signature page(s) by 12/02/2017 (if you prefer to e-sign, move to Step 2 below) -
• Students on a student only application: sign the two signature lines on the Credit Agreement Signature Page
and the signature line on the page titled, Private Education Loan Applicant Self-Certification form
• Cosigned applications
• Students: sign the two Student Borrower signature lines on the Credit Agreement Signature Page and the
signature line on the page titled, Private Education Loan Applicant Self-Certification form
• Cosigners: sign the two Cosigner signature lines on the Credit Agreement Signature Page
• Cosigners who are permanent residents of NY, SC or WV: additionally sign the applicable Notice to
Cosigner
2. Step 2: Return the signature page(s) via one of the following methods -
• E-sign by logging into your account at www.suntrusteducation.com/CustomChoiceLogin
• Electronically scan and upload by logging into your account at
www.suntrusteducation.com/CustomChoiceLogin
• Email to CustomChoice@alternativeloan.com
Please note that we do not recommend sending documents that include your personal information such as Social
Security number, via email, as email may not be a secure method of transmission.
• Fax to 800-704-9408
• Mail to SunTrust Bank, PO Box 848108, Boston, MA 02284-8108
• Overnight delivery to SunTrust Bank, 200 Clarendon Street, 3rd Floor, Boston, MA 02116
What happens if you do not sign and return the signature page(s)
Failure to provide the signature page(s) by 12/02/2017 will result in no further consideration being given to
the credit request and your loan application will be withdrawn. If your application is withdrawn and you were
considering refinancing existing private student loans with this loan, you will continue to be responsible for paying
the outstanding balance in accordance with the terms of those loans. If you have already returned the signed
signature page(s), please login to your online account to determine if any documents remain outstanding.

Custom Choice Loan®, PO Box 848108, Boston, MA 02284-8108 Phone: 866-232-3889 Fax: 800-704-9408
Online Status: www.suntrusteducation.com/CustomChoiceLogin
What to expect after next steps (as listed above) are completed
• School Certification: the school will be asked to certify the amount requested for the upcoming semester/
academic period.
• Final Disclosure: after acceptable school certification is received, a Private Education Loan Final Disclosure
("Final Disclosure") will be sent to you outlining the final terms of the loan.
• Disbursement: If the loan is not cancelled prior to the end of the rescission period in the Final Disclosure, funds
will be disbursed.

Questions?
SunTrust Bank appreciates your business and looks forward to helping you reach your education financing
needs. For more detail about your loan request, or to check your status at any time, login to your account at
www.suntrusteducation.com/CustomChoiceLogin. If you have questions, please call 866-232-3889 Monday - Friday
between the hours of 9 a.m. and 8 p.m. ET. Thank you for considering SunTrust Bank to meet your borrowing
needs.
Sincerely,
Custom Choice Loan® Customer Service

Enclosures

Notice: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color,
religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the
applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer
Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial
Protection, 1700 G Street NW, Washington, DC 20006.

SunTrust Bank, Member FDIC. © 2017 SunTrust Banks, Inc.

The creditor for this program is SunTrust Bank. SunTrust and Custom Choice Loan are both federally registered service marks of SunTrust
Banks, Inc. and are used with the permission of SunTrust Bank. Certain restrictions and limitations may apply. SunTrust Bank reserves the
right to change or discontinue this Custom Choice program without notice. This loan program may not be available in certain jurisdictions.
SunTrust Bank may sell your Custom Choice Loan to a third party. All borrower benefits set forth in your credit agreement that are
not subject to the discretion of SunTrust Bank must be honored by any potential purchaser provided you qualify for such benefits.

Custom Choice Loan®, PO Box 848108, Boston, MA 02284-8108 Phone: 866-232-3889 Fax: 800-704-9408
Online Status: www.suntrusteducation.com/CustomChoiceLogin
 Private Education Loan Approval Disclosure
Page 1 of 4

BORROWER: CREDITOR:
TERRY A LASUT SunTrust Bank
231 Luie Lane rd
200 Clarendon Street, 3 Floor
Windber, PA 15963 Boston, MA 02116
866-232-3889

Loan Rates & Estimated Total Costs

Total Loan Amount Interest Rate Finance Charge Total of Payments

$2,000.00 5.450% $228.73 $2,228.73

The total amount you are Your current interest rate. The estimated dollar amount The estimated amount you
borrowing. the credit will cost you. will have paid when you
have made all payments.

ITEMIZATION OF AMOUNT ABOUT YOUR INTEREST RATE

FINANCED
Amount paid to you $0.00 • Your rate is variable. This means that your actual rate varies with the market
and could be lower or higher than the rate on this form. The variable rate is
Amount paid to others on
your behalf: based upon the One-Month LIBOR Rate (as published in The Wall Street
• Seton Hill University + $2,000.00 Journal). For more information on this rate, see Reference Notes.
Amount Financed = $2,000.00 • Although your rate will vary after you are approved, it will never exceed 36%
(total amount provided) (the maximum allowable for this loan).
Initial Finance Charges + $0.00
• Your Annual Percentage Rate (APR) is 5.445%. The APR is typically different
(total)
• Origination Fee ($0.00)
than the Interest Rate since it considers fees and reflects the cost of your loan
as a yearly rate. For more information about APR, see Reference Notes.
Total Loan Amount = $2,000.00

FEES
th
Late Charge: 5% of the overdue payment if not made on or before the 10
calendar day after its due date.
 Page 2 of 4

Estimated Repayment Schedule & Terms

MONTHLY PAYMENTS

at 5.450% at 36%

▼
7 YEAR LOAN TERM
the current interest rate of your loan the maximum interest
rate possible for your loan
The estimated Total
of Payments at the
Maximum Rate of Interest
would be $5,743.65.

Deferment Period
Not Applicable
Not Applicable Not Applicable

Apr. 21, 2018 - Nov. 21, 2021/

Apr. 21, 2018 - Feb. 21, 2025 $50.00 $68.37
Principal and interest payment period
44 monthly payments/83 monthly
payments at the maximum rate

Dec. 21, 2021 - Dec. 21, 2021/

Mar. 21, 2025 - Mar. 21, 2025 $28.73 $68.94
Principal and interest payment period
1 monthly payment

Federal Loan Alternatives

Loan Program Current Interest Rates by Program Type

You may qualify for Federal
PERKINS 5% fixed education loans.
for Students
For additional information, contact
4.45% fixed Undergraduate subsidized & unsubsidized your school's financial aid office
STAFFORD
for Students or the Department of Education at:
6.00% fixed Graduate unsubsidized
www.federalstudentaid.ed.gov
PLUS
for Parents and 7.00% fixed Federal Direct Loan
Graduate/Professional
Students
 Page 3 of 4

Next Steps & Terms of Acceptance

This offer is good until:
1. Find Out About Other Loan Options.
December 2, 2017 Contact your school's financial aid office for more information.

2. You Have Until December 2, 2017 to Accept this Offer.

The terms of this offer will not change except as permitted by law and the variable
interest rate may change based on the market.

To Accept the Terms of this loan, the borrower and, if applicable, the cosigner
may do so by signing the Credit Agreement Signature Page on the line
designated for Approval Disclosure Acceptance. You may sign and deliver the
Credit Agreement Signature Page via one of the following methods:

E-sign: Electronically sign the Credit Agreement Signature Page by logging into your
online account.

Return Manually:
• Scan and upload the signed copy by logging into your online account.
• Email the signed copy to CustomChoice@alternativeloan.com.
Please note that we do not recommend sending documents that include
your sensitive personal information such as Social Security number, via
email, as email may not be a secure method of transmission.
• Fax the signed copy to 800-704-9408
• Send via the USPS or other delivery method using one of the following
addresses:
For regular delivery, send to: For overnight delivery, send to:
SunTrust Bank SunTrust Bank
PO Box 848108 rd
200 Clarendon Street, 3 Floor
Boston, MA 02284-8108 Boston, MA 02116

REFERENCE NOTES
Variable Interest Rate:
• This loan has a Variable Interest Rate that is based on a publicly available
index, the One-Month London Interbank Offered Rate (LIBOR), which is
currently 1.25%. Your rate is calculated each month by adding a margin of
4.2% to the One-Month LIBOR.
• The One-Month LIBOR index is published in the "Money Rates" section of
The Wall Street Journal (Eastern Edition) and will be equal to the One-Month
th th
LIBOR rate published on the 25 day (or if such 25 day is not a business
day, the next business day thereafter) of the month immediately preceding
such calendar month, rounded up to the nearest one-eighth of one percent
(0.125%).
• This loan has a Variable Rate. The Variable Rate is determined by (1) the
student's and, if applicable, the cosigner's, credit histories, (2) the repayment
option and loan term that you selected, and (3) the requested loan amount
and other information you provided on the online loan application.
• The Interest Rate may be higher or lower than your Annual Percentage Rate
(APR) because the APR considers certain fees you may pay to obtain this
loan, the Interest Rate, and whether you defer (postpone) payments while in
school.
• Your interest rate may increase or decrease monthly if the One-Month LIBOR
index changes which will affect your monthly payment.
Bankruptcy Limitations:
• If the student or, if applicable, the cosigner files for bankruptcy you may still be
required to pay back this loan.
Prepayments:
• You will not be charged a prepayment penalty.
See your Credit Agreement for any additional information about forbearance,
nonpayment, default, any required repayment in full before the scheduled date,
interest rate reductions, and prepayment refunds and penalties.
Repayment Options:
• Make Full Payments: Full principal and interest payments will be required
regardless of the student's enrollment status.
• Accrued and unpaid interest, if any, will be capitalized (added to the unpaid
principal loan balance) when repayment of principal and interest begins.
• The first monthly principal and interest payment will be due 30 - 60 days after
the final disbursement.
• During repayment of principal and interest, the minimum monthly payment
due will be constant for twelve months and will be recalculated annually.
However, if during the repayment period the minimum monthly principal and
interest payments do not cover the entire amount of interest due, the minimum
monthly payment amount will be recalculated. For further details refer to your
Credit Agreement.
Effects of using part of this loan to refinance existing private student
loans:
• By choosing to refinance any existing private student loan(s), all terms of the
loan(s) being refinanced will be eliminated, including but not limited to interest
rate, any borrower benefits or deferment eligibility.
• The terms of this loan, including the election to immediately make full principal
and interest payments regardless of the student's enrollment status, will apply
to the Total Loan Amount, including the portion used to refinance the existing
private student loan(s).
• If a 6% interest rate cap is being applied on the existing private student
loan(s) pursuant to the Servicemembers Civil Relief Act (SCRA), by choosing
to refinance such loan(s) that benefit will be discontinued, although the loan(s)
may continue to be eligible for relief if (a) you are a resident of Louisiana, Ohio
or Pennsylvania and are on active duty or (b) if you are a resident of Louisiana
or Ohio and your spouse is a qualifying servicemember.
Page 4 of 4
• Under the Truth in Lending Act you have three business days following the
date on which you receive your Final Disclosure to cancel this loan.
• The Final Disclosure will be sent after the school certification is received.
• If you do not cancel this loan, funds will be disbursed to the servicer(s) of
the existing private student loan(s) being refinanced at the same time the
first disbursement is made to the school. The obligor(s) will continue to be
responsible for the payment(s) on such loan(s) until such time that it
is paid off, and will remain responsible for any portion of the existing
private student loan(s) that is not paid off with this loan.
• Once funds have been issued to pay off the loan(s) being refinanced, the
portion of this loan used to pay off the existing private student loan(s) cannot
be cancelled.
Assumptions that were made in determining the Finance Charge, Total
of Payments, APR, and Repayment Schedule shown in this Approval
Disclosure:
If this loan will be used solely to fund an upcoming academic period,
and not to refinance existing private student loans:
1. Total Loan Amount: Total Loan Amount is the loan amount requested
by you on the application. Note that this amount may change once the
school certifies your loan.
2. Number of Disbursements: Two disbursements will be issued.
3. Disbursement Dates:
• The first disbursement will be issued fifty-two calendar days from the
date this Approval Disclosure was generated (unless that date falls on
a weekend or holiday, then it will be the prior business day).
• The second disbursement will be issued ninety calendar days from the
first disbursement date (unless that date falls on a weekend or holiday,
then it will be the prior business day).
4. Disbursement Amounts: The Total Loan Amount will be divided equally
between both disbursements.
If this loan will be used in part to refinance existing private student loans:
1. Total Loan Amount: The Total Loan Amount is the sum of the following
amounts:
• Loan amount requested by you on the application. Note that this amount
may change once the school certifies your loan.
• Payoff amount(s) of the loan(s) being refinanced. The payoff amount(s)
is either the amount(s) listed on the payoff document(s) the student
provided or, if the payoff amount(s) expired, the following assumptions
have been used to estimate the updated payoff amount(s):
• Payments have not been made since the payoff document(s) the
student provided was generated, although SunTrust has advised
that payment(s) should continue to be made, and
• Interest has accrued, at the most current interest rate the student
provided, between the expiration date(s) of the payoff amount(s)
and the date on which this Approval Disclosure was generated.
2. Number of Disbursements: Two disbursements will be issued.
3. Disbursement Dates:
• The first disbursement will be issued fifty-two calendar days from the
date this Approval Disclosure was generated (unless that date falls on a
weekend or holiday, then it will be the prior business day).
• The second disbursement will be issued ninety calendar days from the
first disbursement date (unless that date falls on a weekend or holiday,
then it will be the prior business day).
4. Disbursement Amounts:The Total Loan Amount will be divided as follows
between disbursements:
• For the first disbursement, (a) 50% of the loan amount to be disbursed to
the school and (b) the payoff amount(s) of the loan(s) being refinanced.
• For the second disbursement, 50% of the loan amount to be disbursed to
the school.
 Private Education Loan Approval Disclosure
Page 1 of 4

BORROWER: CREDITOR:
RANDY W LASUT JR SunTrust Bank
207 Spruce Street rd
200 Clarendon Street, 3 Floor
Windber, PA 15963 Boston, MA 02116
866-232-3889

Loan Rates & Estimated Total Costs

Total Loan Amount Interest Rate Finance Charge Total of Payments

$2,000.00 5.450% $228.73 $2,228.73

The total amount you are Your current interest rate. The estimated dollar amount The estimated amount you
borrowing. the credit will cost you. will have paid when you
have made all payments.

ITEMIZATION OF AMOUNT ABOUT YOUR INTEREST RATE

FINANCED
Amount paid to you $0.00 • Your rate is variable. This means that your actual rate varies with the market
and could be lower or higher than the rate on this form. The variable rate is
Amount paid to others on
your behalf: based upon the One-Month LIBOR Rate (as published in The Wall Street
• Seton Hill University + $2,000.00 Journal). For more information on this rate, see Reference Notes.
Amount Financed = $2,000.00 • Although your rate will vary after you are approved, it will never exceed 36%
(total amount provided) (the maximum allowable for this loan).
Initial Finance Charges + $0.00
• Your Annual Percentage Rate (APR) is 5.445%. The APR is typically different
(total)
• Origination Fee ($0.00)
than the Interest Rate since it considers fees and reflects the cost of your loan
as a yearly rate. For more information about APR, see Reference Notes.
Total Loan Amount = $2,000.00

FEES
th
Late Charge: 5% of the overdue payment if not made on or before the 10
calendar day after its due date.
 Page 2 of 4

Estimated Repayment Schedule & Terms

MONTHLY PAYMENTS

at 5.450% at 36%

▼
7 YEAR LOAN TERM
the current interest rate of your loan the maximum interest
rate possible for your loan
The estimated Total
of Payments at the
Maximum Rate of Interest
would be $5,743.65.

Deferment Period
Not Applicable
Not Applicable Not Applicable

Apr. 21, 2018 - Nov. 21, 2021/

Apr. 21, 2018 - Feb. 21, 2025 $50.00 $68.37
Principal and interest payment period
44 monthly payments/83 monthly
payments at the maximum rate

Dec. 21, 2021 - Dec. 21, 2021/

Mar. 21, 2025 - Mar. 21, 2025 $28.73 $68.94
Principal and interest payment period
1 monthly payment

Federal Loan Alternatives

Loan Program Current Interest Rates by Program Type

You may qualify for Federal
PERKINS 5% fixed education loans.
for Students
For additional information, contact
4.45% fixed Undergraduate subsidized & unsubsidized your school's financial aid office
STAFFORD
for Students or the Department of Education at:
6.00% fixed Graduate unsubsidized
www.federalstudentaid.ed.gov
PLUS
for Parents and 7.00% fixed Federal Direct Loan
Graduate/Professional
Students
 Page 3 of 4

Next Steps & Terms of Acceptance

This offer is good until:
1. Find Out About Other Loan Options.
December 2, 2017 Contact your school's financial aid office for more information.

2. You Have Until December 2, 2017 to Accept this Offer.

The terms of this offer will not change except as permitted by law and the variable
interest rate may change based on the market.

To Accept the Terms of this loan, the borrower and, if applicable, the cosigner
may do so by signing the Credit Agreement Signature Page on the line
designated for Approval Disclosure Acceptance. You may sign and deliver the
Credit Agreement Signature Page via one of the following methods:

E-sign: Electronically sign the Credit Agreement Signature Page by logging into your
online account.

Return Manually:
• Scan and upload the signed copy by logging into your online account.
• Email the signed copy to CustomChoice@alternativeloan.com.
Please note that we do not recommend sending documents that include
your sensitive personal information such as Social Security number, via
email, as email may not be a secure method of transmission.
• Fax the signed copy to 800-704-9408
• Send via the USPS or other delivery method using one of the following
addresses:
For regular delivery, send to: For overnight delivery, send to:
SunTrust Bank SunTrust Bank
PO Box 848108 rd
200 Clarendon Street, 3 Floor
Boston, MA 02284-8108 Boston, MA 02116

REFERENCE NOTES
Variable Interest Rate:
• This loan has a Variable Interest Rate that is based on a publicly available
index, the One-Month London Interbank Offered Rate (LIBOR), which is
currently 1.25%. Your rate is calculated each month by adding a margin of
4.2% to the One-Month LIBOR.
• The One-Month LIBOR index is published in the "Money Rates" section of
The Wall Street Journal (Eastern Edition) and will be equal to the One-Month
th th
LIBOR rate published on the 25 day (or if such 25 day is not a business
day, the next business day thereafter) of the month immediately preceding
such calendar month, rounded up to the nearest one-eighth of one percent
(0.125%).
• This loan has a Variable Rate. The Variable Rate is determined by (1) the
student's and, if applicable, the cosigner's, credit histories, (2) the repayment
option and loan term that you selected, and (3) the requested loan amount
and other information you provided on the online loan application.
• The Interest Rate may be higher or lower than your Annual Percentage Rate
(APR) because the APR considers certain fees you may pay to obtain this
loan, the Interest Rate, and whether you defer (postpone) payments while in
school.
• Your interest rate may increase or decrease monthly if the One-Month LIBOR
index changes which will affect your monthly payment.
Bankruptcy Limitations:
• If the student or, if applicable, the cosigner files for bankruptcy you may still be
required to pay back this loan.
Prepayments:
• You will not be charged a prepayment penalty.
See your Credit Agreement for any additional information about forbearance,
nonpayment, default, any required repayment in full before the scheduled date,
interest rate reductions, and prepayment refunds and penalties.
Repayment Options:
• Make Full Payments: Full principal and interest payments will be required
regardless of the student's enrollment status.
• Accrued and unpaid interest, if any, will be capitalized (added to the unpaid
principal loan balance) when repayment of principal and interest begins.
• The first monthly principal and interest payment will be due 30 - 60 days after
the final disbursement.
• During repayment of principal and interest, the minimum monthly payment
due will be constant for twelve months and will be recalculated annually.
However, if during the repayment period the minimum monthly principal and
interest payments do not cover the entire amount of interest due, the minimum
monthly payment amount will be recalculated. For further details refer to your
Credit Agreement.
Effects of using part of this loan to refinance existing private student
loans:
• By choosing to refinance any existing private student loan(s), all terms of the
loan(s) being refinanced will be eliminated, including but not limited to interest
rate, any borrower benefits or deferment eligibility.
• The terms of this loan, including the election to immediately make full principal
and interest payments regardless of the student's enrollment status, will apply
to the Total Loan Amount, including the portion used to refinance the existing
private student loan(s).
• If a 6% interest rate cap is being applied on the existing private student
loan(s) pursuant to the Servicemembers Civil Relief Act (SCRA), by choosing
to refinance such loan(s) that benefit will be discontinued, although the loan(s)
may continue to be eligible for relief if (a) you are a resident of Louisiana, Ohio
or Pennsylvania and are on active duty or (b) if you are a resident of Louisiana
or Ohio and your spouse is a qualifying servicemember.
Page 4 of 4
• Under the Truth in Lending Act you have three business days following the
date on which you receive your Final Disclosure to cancel this loan.
• The Final Disclosure will be sent after the school certification is received.
• If you do not cancel this loan, funds will be disbursed to the servicer(s) of
the existing private student loan(s) being refinanced at the same time the
first disbursement is made to the school. The obligor(s) will continue to be
responsible for the payment(s) on such loan(s) until such time that it
is paid off, and will remain responsible for any portion of the existing
private student loan(s) that is not paid off with this loan.
• Once funds have been issued to pay off the loan(s) being refinanced, the
portion of this loan used to pay off the existing private student loan(s) cannot
be cancelled.
Assumptions that were made in determining the Finance Charge, Total
of Payments, APR, and Repayment Schedule shown in this Approval
Disclosure:
If this loan will be used solely to fund an upcoming academic period,
and not to refinance existing private student loans:
1. Total Loan Amount: Total Loan Amount is the loan amount requested
by you on the application. Note that this amount may change once the
school certifies your loan.
2. Number of Disbursements: Two disbursements will be issued.
3. Disbursement Dates:
• The first disbursement will be issued fifty-two calendar days from the
date this Approval Disclosure was generated (unless that date falls on
a weekend or holiday, then it will be the prior business day).
• The second disbursement will be issued ninety calendar days from the
first disbursement date (unless that date falls on a weekend or holiday,
then it will be the prior business day).
4. Disbursement Amounts: The Total Loan Amount will be divided equally
between both disbursements.
If this loan will be used in part to refinance existing private student loans:
1. Total Loan Amount: The Total Loan Amount is the sum of the following
amounts:
• Loan amount requested by you on the application. Note that this amount
may change once the school certifies your loan.
• Payoff amount(s) of the loan(s) being refinanced. The payoff amount(s)
is either the amount(s) listed on the payoff document(s) the student
provided or, if the payoff amount(s) expired, the following assumptions
have been used to estimate the updated payoff amount(s):
• Payments have not been made since the payoff document(s) the
student provided was generated, although SunTrust has advised
that payment(s) should continue to be made, and
• Interest has accrued, at the most current interest rate the student
provided, between the expiration date(s) of the payoff amount(s)
and the date on which this Approval Disclosure was generated.
2. Number of Disbursements: Two disbursements will be issued.
3. Disbursement Dates:
• The first disbursement will be issued fifty-two calendar days from the
date this Approval Disclosure was generated (unless that date falls on a
weekend or holiday, then it will be the prior business day).
• The second disbursement will be issued ninety calendar days from the
first disbursement date (unless that date falls on a weekend or holiday,
then it will be the prior business day).
4. Disbursement Amounts:The Total Loan Amount will be divided as follows
between disbursements:
• For the first disbursement, (a) 50% of the loan amount to be disbursed to
the school and (b) the payoff amount(s) of the loan(s) being refinanced.
• For the second disbursement, 50% of the loan amount to be disbursed to
the school.
 Terry A Lasut
231 Luie Lane
Windber, PA 15963
USA

Loan Request/Credit Agreement Instructions Page

You have passed the credit check for your loan application. Attached is your Loan Request/Credit Agreement. Please review it
carefully and follow the steps listed on the Instructions Checklist to proceed with the application process.

RETURN the Lender copy of the Credit Agreement Signature Page and, if applicable, the Notice to Cosigner and all requested
documents. If you are not signing these documents electronically, please sign with blue or black ink.
BE SURE TO INCLUDE YOUR LOAN ID# ON ALL CORRESPONDENCE.
Your Loan ID# is located in the footer of this page. It is the eight digit number following “A1”.
For faster loan processing, upload documents in the online application, fax or email documents using the contact information
listed below. Please note that we do not recommend sending documents that include your sensitive personal information such
as your Social Security number via email, as email may not be a secure method of transmission.

Scan and upload or electronically sign at: www.suntrusteducation.com/CustomChoiceLogin

Email to: CustomChoice@alternativeloan.com
Fax to: 800-704-9408

You may also mail your documents to the address below:

For regular delivery, send to: For overnight delivery, send to:
Custom Choice Loan® Custom Choice Loan®
PO Box 848108 200 Clarendon Street, 3rd Floor
Boston, MA 02284-8108 Boston, MA 02116

Frequently Asked Questions:

1. What could cause my loan to be delayed? The most common delays are caused by not returning the Private Education Loan
Applicant Self-Certification form, and, if applicable, the Notice to Cosigner along with the Credit Agreement Signature Page,
as requested.
2. How can I check the status of my loan and confirm the disbursement date of my funds? You can check the status of your
loan and confirm the disbursement date at any time via our online application or by calling us at 866-232-3889 .

The terms of this Credit Agreement will remain open for acceptance through the date indicated on the Private Education Loan
Approval Disclosure (Approval Disclosure) included with this Credit Agreement.
Before returning the Credit Agreement Signature Page, read the Approval Disclosure and the Credit Agreement and sign and
date both the Credit Agreement and Approval Disclosure Acceptance of Loan Terms where indicated on the Credit Agreement
Signature Page, or electronically sign as directed in the online application.

SN.17-18.CSX1.20SC.0917 LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
 Instructions Checklist
(For your reference only; you do not need to return this checklist)

Step 1 REVIEW all printed information on the documents included in the Loan Packet.
If you find any incorrect information, please contact us at 866-232-3889 and let us know what correction(s)
needs to be made. We will make the correction(s) and issue you a new Loan Packet, if required.
Step 2 REVIEW the Approval Disclosure and Credit Agreement.
• As part of the Loan Packet you received and should review the Approval Disclosure and Credit
Agreement.
• If you have any questions about the terms of this loan or other information contained in the Approval
Disclosure or Credit Agreement, please contact us at 866-232-3889 .

SIGN and DATE the Credit Agreement Signature Page on the designated lines if you accept the terms of the
loan as set forth in the Approval Disclosure and agree to the Credit Agreement.
• The Credit Agreement Signature Page has spaces for you to (1) execute the Credit Agreement and (2)
accept the Approval Disclosure.
• If you are not electronically signing, legibly sign and date, by hand, the bottom of the Lender Copy of
the Credit Agreement Signature Page. The signatures of the Student Borrower and Cosigner must
match the corresponding names pre-printed on the Credit Agreement.
• If you have made an error on either the signature or date lines, either download another copy or
contact us, as you will need to complete a new Credit Agreement Signature Page.
Step 3 For Cosigners who are residents of New York, South Carolina or West Virginia:
REVIEW and SIGN the Notice to Cosigner specific to your state of residence.
Step 4 All Student Borrowers:
REVIEW and SIGN the Private Education Loan Applicant Self-Certification form.
• This form includes cost of attendance and expected need information, and is available through your
online account, where it can be electronically signed and submitted.
• If you prefer to obtain the form from your school, the information required to complete the Private
Education Loan Applicant Self-Certification form can be obtained from your school’s financial aid office.
Step 5 SUBMIT the signed Credit Agreement Signature Page, any applicable signed Notice to Cosigner, and the
signed Private Education Loan Applicant Self-Certification form through one of the following methods:
• Electronically sign or upload the signed documents by logging into your online account at:
www.suntrusteducation.com/CustomChoiceLogin
• Fax the signed documents to 800-704-9408
Please use the last page of the Credit Agreement as a cover page.
• Email the signed documents to CustomChoice@alternativeloan.com
Please note that we do not recommend sending documents that include your sensitive personal
information such as your Social Security number via email, as email may not be a secure method of
transmission.
• Mail the signed documents to the regular delivery address or the overnight delivery address shown on
the first page of this document.
You must return signed copies of the requested documents within 30 calendar days of your receipt of the Loan Packet.
If you have questions, please have your Loan ID# available and call 866-232-3889 .

SN.17-18.CSX1.20SC.0917 LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
 Credit Agreement Information Page

NON-NEGOTIABLE CREDIT AGREEMENT – THIS IS A CONSUMER CREDIT TRANSACTION

LOAN PROGRAM INFORMATION
Academic Period: 08/2017-12/2017 Lender: SunTrust Bank
School I will attend*: Seton Hill University
Loan Program: Custom Choice Loan®
*The School does not endorse this loan and is not affiliated with the Lender. This loan will be made by the Lender, not the School.

LOAN PRODUCT INFORMATION

Loan Amount Requested: $2,000.00 Maximum Repayment Term (in months): 84
Initial Interest Rate**: 5.450% Interest Rate Margin: 4.2%
Repayment Option: Immediate Repayment (Start full payments immediately)
**Variable interest rate equals the One-Month LIBOR index plus the Interest Rate Margin (see Paragraph D.2).

STUDENT BORROWER INFORMATION (Must be old enough to enter into a binding contract)
Borrower Name: Terry A Lasut Social Security Number: 180-78-4226 Date of Birth: 11/15/1998
Email Address: t.lasut@setonhill.edu Permanent Address:
Borrower Citizenship: 231 Luie Lane,
______________________________________________________
Windber, PA 15963
______________________________________________________
Primary Telephone Number: (814) 691-4308
X US Citizen Alternative Telephone Number:

Permanent Resident Alien

Personal Reference Name: Diane Sendek
Other Personal Reference Address:
148 Clearview Height
___________________________________________________
Windber, PA 15963
___________________________________________________
Personal Reference Telephone Number: (814) 248-1482
The Student Borrower’s Personal Reference information cannot
match the Cosigner’s information or the Cosigner’s Personal
Reference information.
Existing Private Student Loan(s) Requested to Refinance (if applicable)
Listed below is each Existing Private Student Loan, if any, that the Student Borrower is requesting to refinance with this Loan,
along with the payoff amount (the total amount of principal, interest, and other amounts required to pay your loan(s) in full)
from the Payoff Documentation; or, if the Payoff Documentation has expired, the payoff amount(s) calculated based on the
most recent information that the Student Borrower provided. The Payoff Amount will be the amount set forth on your Final
Disclosure, based on all of the payoff information provided during the application process and may not include all the individual
payoff amounts listed below. Only Existing Private Student Loans that meet the definition of “qualified higher education
expenses” in Section 221 of the Internal Revenue Code are eligible to be refinanced. You acknowledge that in certain cases, the
Student Borrower’s requested Existing Private Student Loan(s) may not be paid off or may not be paid off in full with this Loan,
and the Student Borrower will remain obligated to make payments on those Existing Private Student Loans. See Paragraph A of
this Credit Agreement for definitions of capitalized terms.
Loan Servicer Account Number Interest Rate Payoff Amount

SN.17-18.CSX1.20SC.0917 Page 3 of 24 LOAN ID: A1

BORROWER COPY
SN.17-18.CSX1.20SC.0917 Page 1 of 18 LOAN ID: A1 10457193
 COSIGNER INFORMATION (Must be old enough to enter into a binding contract)
Cosigner Name: Randy W Lasut JR Social Security Number: 180-68-6303 Date of Birth: 08/08/1987
Email Address: randylasut@yahoo.com Permanent Address:
Cosigner Citizenship: 207 Spruce Street
______________________________________________________
Windber, PA 15963
______________________________________________________
Primary Telephone Number: (814) 270-4239
X US Citizen Alternative Telephone Number:

Permanent Resident Alien Personal Reference Name Ronald Sheeler

Personal Reference Address:
1127 Miller Picking
_____________________________________________________
Davidsville, PA 15982
______________________________________________________
Personal Reference Telephone Number: (814) 242-0638
Employer Name: Conemaugh The Cosigner’s Personal Reference information cannot match the
Employer Telephone: (814) 534-9000 Student Borrower’s information or the Student Borrower’s
Personal Reference information.

Once you have carefully reviewed, signed and returned all documentation as set forth in the Instructions Checklist, we will
contact the school identified on the Credit Agreement Information Page to certify the Student Borrower’s enrollment status,
financial aid eligibility, and other pertinent information. We cannot approve your loan application if we do not receive this
information.

SN.17-18.CSX1.20SC.0917 Page 2 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

A. DEFINITIONS:
1. In this Credit Agreement, except on the Credit Agreement Information Page and where otherwise indicated, the words “I”,
“me”, “my”, “mine”, and “we” mean the person(s) who signs this Credit Agreement as Student Borrower and Cosigner. The words
“you”, “your”, “yours”, and “Lender” mean SunTrust Bank, its successors and assigns, and any other holder of this Credit
Agreement.
2. “Additional Deferment” has the meaning set forth in Paragraph E.1 of this Credit Agreement.
3. “Approval Disclosure” means a written statement telling me the dollar amount of the Loan that you have approved and other
information that is required by law, including my right to accept this Loan within 30 calendar days after receipt of, or the date
indicated on, the Approval Disclosure. The Approval Disclosure included with my Credit Agreement may be updated, modified or
replaced by a subsequent Approval Disclosure if required by law, which such subsequent Approval Disclosure shall be the
“Approval Disclosure”.
4. “Armed Forces Deferment” has the meaning set forth in Paragraph E.8 of this Credit Agreement.
5. “Covered Borrower” has the meaning set forth in Paragraph K of this Credit Agreement.
6. “Cosigner” means the cosigner listed on the Credit Agreement Information Page.
7. “Credit Agreement” means (a) all pages of this document, including: (i) the Credit Agreement Information Page, (ii) the Terms
and Conditions, (iii) any applicable Notice to Cosigner, and (iv) the Credit Agreement Signature Page, but excluding both the
Credit Agreement Instruction Page and Instructions Checklist and the Fax Cover Sheet, (b) the Approval Disclosure, and (c) the
Final Disclosure. The Approval Disclosure and the Final Disclosure are each incorporated herein by reference and made a part
hereof.
8. “Current Index” has the meaning set forth in Paragraph D.2 of this Credit Agreement.
9. “Current Servicer(s)” means the servicer(s) or holder(s), as applicable, of the Existing Private Student Loan(s).
10. “Deferment End Date” means the earlier of the date which is (a) 6 months after the Student Borrower graduates, (b) 6 months
after the Student Borrower ceases to be enrolled at the School (or another Title IV eligible school) at least half time, or (c) 66
months after the first Disbursement Date.
11. “Deferment Period” means the period that will begin on the first Disbursement Date and end on the Deferment End Date,
except that during any period of Additional Deferment (see Paragraph E.1), “Deferment Period” shall also mean and include the
Additional Deferment period.
12. “Disbursement Date” means the date or dates on which Loan funds are transmitted to the School and, if applicable, the
Current Servicer(s), which such date or dates shall be no earlier than the end of the cancellation period set forth in the Final
Disclosure.
13. “Existing Private Student Loan(s)” means, to the extent that I am requesting to use part of this Loan to refinance any of the
Student Borrower’s outstanding eligible private student loans and/or private student loan consolidation loans, the Student
Borrower’s eligible private student loan(s) and/or private student loan consolidation loan(s) that are set forth on the Credit
Agreement Information Page.
14. “Final Disclosure” means a written statement providing me with the final terms of the Loan, including my right to cancel the
Loan by the date indicated on the Final Disclosure.
15. “Final Loan Amount” means the amount actually disbursed to the School and, if applicable, the Current Servicer(s), on the
Student Borrower’s behalf.
16. “Full Deferral Repayment Option” means that I am not required to make any payments of principal or interest on my Loan
during the Deferment Period as long as the Student Borrower is enrolled at least half-time in the School (or another Title IV
eligible school). My first payment of principal and interest will be due 30-60 days after the Deferment End Date. Warning: The
Full Deferral Repayment Option will cause interest to accrue during the Deferment Period and will cause the
outstanding balance of my loan to increase. Joint and serial (associates to bachelors; bachelors to masters) degree recipients
may continue in-school deferment while completing their second degree, up to the Deferment End Date. My repayment option is
set forth in the “Repayment Option” field on the Credit Agreement Information Page.
17. “Immediate Repayment Option” means there is no Deferment Period, and my first payment of principal and interest will be
due 30-60 days after the final Disbursement Date of the Loan. My repayment option is set forth in the “Repayment Option” field
on the Credit Agreement Information Page.
18. “Interest Only Repayment Option” means interest payments will be due 30-60 days after the first Disbursement Date.
Principal and interest payments will be due 30-60 days after the Deferment End Date. Joint and serial (associates to bachelors;
bachelors to masters) degree recipients may continue to make interest payments and defer principal while completing their
second degree, up to the Deferment End Date. My repayment option is set forth in the “Repayment Option” field on the Credit
Agreement Information Page.
19. “Interest Rate Margin” means the rate set forth in the “Interest Rate Margin” field on the Credit Agreement Information Page.
20. “Loan” means the loan requested in this Credit Agreement.
21. “Loan Amount Requested” means the Loan amount set forth in the “Loan Amount Requested” field on the Credit Agreement
Information Page, which is comprised of my requested School Loan Amount and my requested Payoff Amount.
22. “Monthly Billing Statement” means each monthly billing statement sent to me by the Servicer during the Repayment Term,
which will contain, among other details, information about my Loan balance, monthly payment, and payment remittance
instructions.

SN.17-18.CSX1.20SC.0917 Page 3 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

23. “Monthly Payment Amount” means the amount of my then-current monthly payment.
24. “Paid-ahead Status” has the meaning set forth in Paragraph E.2 of this Credit Agreement.
25. “Partial Interest Repayment Option” means I will pay $25.00 partial interest payments beginning 30-60 days after the first
Disbursement Date, through the Deferment End Date. Principal and interest payments will be due 30-60 days after the
Deferment End Date. Warning: This repayment option may not pay all interest as it accrues and may cause the
outstanding balance of my loan to increase. Joint and serial (associates to bachelors; bachelors to masters) degree recipients
may continue to make partial interest payments and defer principal while completing their second degree, up to the Deferment
End Date. My repayment option is set forth in the “Repayment Option” field on the Credit Agreement Information Page.
26. “Payoff Amount” means the portion of the Final Loan Amount that is disbursed to the Current Servicer(s), if applicable.
27. “Payoff Documentation” means the payoff statement(s) provided by the Student Borrower with respect to Existing Private
Student Loan(s).
28. “Qualified Higher Education Expenses” means qualified higher education expenses as defined in Section 221 of the Internal
Revenue Code.
29. “Repayment Change Date” means any date after the Repayment Term begins when the Monthly Payment Amount is
recalculated, including (a) once each year on or prior to the anniversary of the Repayment Date, (b) if the Variable Rate changes
between anniversaries of the Repayment Date to the extent that the Monthly Payment Amount would not pay in full the accrued
monthly interest on the Loan, (c) following any subsequent deferment or forbearance period or other payment modification, or (d)
following any request by me to the Servicer to change the monthly payment due date.
30. “Repayment Date” means the date on which my Repayment Term begins.
31. “Repayment Term” means the period that begins the day after the Deferment End Date. If there is no Deferment Period for
the Loan, the Repayment Term will begin when the Loan is fully disbursed. Subject to the exceptions contained in this Paragraph
A.31, the maximum Repayment Term is the number of months stated in the “Maximum Repayment Term” field on the Credit
Agreement Information Page. If monthly payments equal to the minimum Monthly Payment Amount will repay all outstanding
principal and interest in less than the maximum Repayment Term, the actual Repayment Term will be the number of months
necessary to fully repay all outstanding principal and interest by making my minimum Monthly Payment Amount. Additional
Deferment will not extend the Repayment Term, unless my Repayment Term is 120 months or less, in which case Additional
Deferment will extend the Repayment Term by the same number of months used in Additional Deferment. Armed Forces
Deferment will not extend the Repayment Term, unless my Repayment Term is 120 months or less, in which case Armed Forces
Deferment will extend the Repayment Term by the same number of months used in Armed Forces Deferment. Certain types of
forbearance (see Paragraph G) may also extend the Repayment Term. Available Loan repayment terms may differ by loan
program and may change from time to time; however, my Repayment Term will not change other than as provided in this Credit
Agreement.
32. “School” means the school named at the top of the Credit Agreement Information Page.
33. “School Loan Amount” means the portion of the Final Loan Amount that is disbursed to the School.
34. “Servicer” means the Lender or any entity it designates to service the Loan.
35. “Special Forbearance Period” has the meaning set forth in Paragraph G of this Credit Agreement.
36. “Student Borrower” means the student listed on the Credit Agreement Information Page.
37. “Substantial Gainful Activity” means a level of work performed for pay or profit that involves doing significant physical or
mental activities, or a combination of both.
38. “Total and Permanent Disability” means a medically determinable physical or mental impairment that either (a) prevents the
Student Borrower from engaging in any Substantial Gainful Activity, in any field of work, and (i) can be expected to result in
death, (ii) has lasted for a continuous period of not less than 60 months, or (iii) can be expected to last for a continuous period of
not less than 60 months; or (b) if the Student Borrower is a veteran, renders the Student Borrower unemployable due to a
service-connected disability.
39. “Variable Rate” has the meaning assigned to it in Paragraph D.2 of this Credit Agreement.
B. PROMISE TO PAY: I promise to pay to you the following amounts: (1) all of the Final Loan Amount, (2) interest on such Final
Loan Amount, (3) interest on any unpaid interest added to the Final Loan Amount, (4) any late fees (see Paragraph E.6), and (5)
to the extent permitted by law, reasonable collection costs, including reasonable attorneys’ fees and court costs, that you incur in
collecting amounts owed on this Credit Agreement. I agree that my obligations and those of any other person signing this Credit
Agreement are joint and several. Unless otherwise agreed or required by applicable law, payments will be applied first to late
fees and other fees and charges, then to any unpaid accrued interest, and then to the unpaid principal balance. I understand that
the Final Loan Amount will include the School Loan Amount and the Payoff Amount. If I have chosen to use part of this Loan to
refinance any Existing Private Student Loans, I understand that the Payoff Amount may be higher or lower than the sum of the
individual payoff amounts shown on the Credit Agreement Information Page. If any overpayment of the Existing Private Student
Loan(s) occurs, I authorize the Current Servicer(s) to pay to you any refund that may be owed to me. You will apply any such
refund to the principal balance of this Loan. I, the Student Borrower, understand that it will remain my responsibility to pay in full
the proceeds of any Existing Private Student Loan(s) not paid in full in the process of obtaining this Loan. If any Current
Servicer(s) rejects a payment or any part of a payment intended to pay off the Existing Private Student Loan(s) and that payment
is returned to Lender, we, the Student Borrower and Cosigner, understand that we will remain obligated on this Loan, and that
the Student Borrower will remain obligated on the Existing Private Student Loan(s), to the extent that there is a remaining
balance on such loan(s). The Servicer will apply the rejected payment(s) to reduce the principal balance of this Loan. I
SN.17-18.CSX1.20SC.0917 Page 4 of 18 LOAN ID: A1 10457193
BORROWER COPY
 Terms and Conditions

understand that if no part of my Existing Private Student Loan(s) is paid off with this Loan, I will still be obligated on this Loan to
the extent of the School Loan Amount.
C. CONDITIONS, DISBURSEMENT AND CANCELLATION:
1. Conditions for Making This Loan. When you receive my signed Credit Agreement Signature Page and, if applicable,
Notice to Cosigner, you are not agreeing to lend me money. I understand that before you will make the Loan to me, (a) I
must provide any documents and information that you may request to verify information I provided to you as part of
this Credit Agreement, (b) I must sign a completed Private Education Loan Applicant Self-Certification form, and (c) the
School must certify the Student Borrower’s enrollment status and financial aid eligibility. You have the right to not
make the Loan or to lend an amount that is different than the Loan Amount Requested, as applicable, if: (i) the School
does not confirm the Student Borrower’s enrollment or eligibility, (ii) the School certifies a loan amount that is different
from the requested School Loan Amount, and/or (iii) I have chosen to use part of this Loan to refinance an Existing
Private Student Loan(s) and (A) the Payoff Documentation expires prior to the first Disbursement Date, or (B) you
accommodate changes that I have requested. If Payoff Documentation expires prior to the first Disbursement Date you
will (x) use the most current interest rate that I provided for such Existing Private Student Loan(s) to determine the
Payoff Amount, and (y) assume that I haven’t made any payments since the Payoff Documentation was generated.
2. How the Lender Will Disburse This Loan. If you decide to make the Loan to me, you may electronically transfer or mail a check
in an amount equal to the School Loan Amount to the School for me, and, if applicable, you may also electronically transfer or
mail a check in an amount equal to the Payoff Amount to the Current Servicer(s) for me. At your option, with respect to a check
mailed to the School, you may make the check co-payable to the Student Borrower and the School. I agree to repay the Final
Loan Amount along with interest and all other amounts I owe (see Paragraph B). If one of the Current Servicer(s) rejects
payment, you will contact me in order to help attempt to facilitate the payoff process. You have the right to disburse the Loan
through an agent.
3. How I Agree to the Terms of or Cancel This Loan. By signing this Credit Agreement, and submitting it to the Lender, I am
requesting that you make this Loan to me in an amount equal to the Loan Amount Requested and I certify that I have received
and carefully reviewed the Approval Disclosure which provides details regarding this Loan, the estimated fees, interest rate and
repayment terms, federal loan alternatives, and the steps I must take to finally accept the terms of this Loan. Following your
receipt of the Credit Agreement Signature Page, the signed and completed Private Education Loan Applicant Self-Certification
form, the signed Notice to Cosigner (if applicable) and certification of my Loan request by the School, you will send me the Final
Disclosure as required by law. The Final Disclosure will tell me the Final Loan Amount, the initial interest rate, and other
important information. I should carefully review the Final Disclosure as soon as I receive it. I will review the Final Disclosure and
notify you in writing if I have any questions. The Final Disclosure will notify me of my right to cancel this Loan request. I
understand that this Loan may not be disbursed to the School and, if applicable, the Current Servicer(s), until after the
cancellation period set forth in the Final Disclosure ends. If I do not cancel this Loan request by the deadline set forth in the Final
Disclosure, (a) I am acknowledging receipt of the Final Disclosure and agreeing to its terms, and (b) you may disburse (i) the
School Loan Amount, in up to four disbursements, as requested by the School, and, if applicable, (ii) the Payoff Amount in one
lump sum. I will let you know that I agree to the terms of this Credit Agreement and the Final Disclosure by failing to cancel the
Loan as set forth in the Final Disclosure. I understand that if I cancel the Loan as set forth above, you will not make any
disbursements of either the School Loan Amount or, if applicable, the Payoff Amount, and this Loan will be canceled in full. I may
cancel any disbursement of the School Loan Amount in writing before that disbursement is made, but any such cancellation will
cancel all future disbursements of the School Loan Amount. After you make a School Loan Amount disbursement, I may cancel
that disbursement without paying any interest or fees on that disbursement amount by returning the related disbursement funds
to you for your receipt within sixty (60) days after you make the disbursement; I should also call the toll free number on the Credit
Agreement Instructions Page. If you have already sent such School Loan Amount disbursement directly to the School, I must
instruct the School to return the funds. I cannot cancel a School Loan Amount disbursement after the expiration of sixty (60) days
following the Disbursement Date for that disbursement. If I do not ask the School to return the disbursement, I must repay, in
accordance with the terms of this Credit Agreement, any amounts disbursed but not canceled. I understand that even if I
cancel any disbursement of the School Loan Amount, once you have sent the disbursement for the Payoff Amount
directly to the Current Servicer(s), I will remain responsible for, and must repay, the Payoff Amount.
4. How the Lender may Cancel Disbursement(s). Under any repayment option, if (a) the School cancels the Loan prior to any
disbursement being made, (b) the Student Borrower ceases to be enrolled at least half-time in the School, (c) the Loan has been
discharged due to the Student Borrower’s Total and Permanent Disability, or (d) any event of default set forth under Paragraph H
occurs prior to a future disbursement, then you may cancel this Loan, or withhold or cancel any future disbursement(s) of the
Loan. If an allegation that I have made any false written statement in applying for this Loan or any other loan is made against me,
then you may withhold or cancel any future disbursement(s) of the Loan pending the outcome of your investigation.
D. INTEREST:
1. Accrual. Beginning on the first Disbursement Date, interest will be calculated at the Variable Rate (see Paragraph D.2) and
charged on the Final Loan Amount, and on any unpaid interest later added to the Final Loan Amount according to Paragraph
D.3. During the Repayment Term, interest will continue to be calculated at the Variable Rate and charged on the outstanding
balance of the Loan until all amounts are paid in full. Interest will be calculated on a daily simple interest basis. The daily interest
rate will be equal to the annual interest rate in effect on that day, divided by the number of days in that calendar year.

SN.17-18.CSX1.20SC.0917 Page 5 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

2. Variable Rate. The “Variable Rate” is equal to the Current Index, as defined below, plus the “Interest Rate Margin”. In no event
will the Variable Rate and other charges assessed under this Credit Agreement exceed (a) the maximum rate allowed by the
laws of the Commonwealth of Virginia, or (b) if the Student Borrower is a permanent resident of the State of Texas on the first
Disbursement Date, the maximum rate allowed by the laws of the State of Texas (for additional details, see Paragraph M.1). The
Variable Rate will change monthly on the first day of each calendar month if the Current Index changes. The “Current Index” for
each calendar month (or, if the first Disbursement Date is not on the first day of the calendar month, a shorter period beginning
on the first Disbursement Date and ending on the last day of the calendar month in which the first Disbursement Date occurs) will
equal the One-Month London Interbank Offered Rate (“LIBOR”) published in the “Money Rates” section of The Wall Street
Journal Eastern Edition on the 25th day of the immediately preceding calendar month, (or if such 25th day is not a business day,
the next business day thereafter), rounded up to the nearest one-eighth of one percent (0.125%). If The Wall Street Journal
Eastern Edition is not published or the Current Index is not given on that date, then the Current Index will be determined by using
the immediately preceding published Current Index for such date. If the Current Index is no longer available, you will choose a
comparable index.
3. Capitalization. Interest that is added to principal is called “capitalized” interest. Generally, interest is capitalized at the end of
any Deferment Period, any forbearance period (see Paragraph G), or for any administrative purpose, upon disclosure to me. If I
am eligible for and have elected the Full Deferral Repayment Option, all unpaid interest accrued during the Deferment Period will
be due and payable as a liquidated obligation on the first day of the Repayment Term. I will have the option of either (a) paying
the accrued and unpaid interest, or (b) “capitalizing” the accrued and unpaid interest by adding it to the outstanding principal
balance of the Loan. If I do not pay the accrued and unpaid interest prior to the first day of the Repayment Term, you are
instructed to deem such non-payment to be my election to capitalize the interest and my instruction to you to add the accrued
and unpaid interest to the outstanding principal balance of the Loan as of the last day of my Deferment Period. If I am eligible for
and have elected the Partial Interest Repayment Option, you will add accrued and unpaid interest (interest that is in excess of
the amount I paid each month) during the Deferment Period to the outstanding principal balance as of the last day of the
Deferment Period. In addition, if the Loan will be disbursed in multiple disbursements and if I am eligible for and have elected the
Immediate Repayment Option, you will capitalize interest that accrues between the first Disbursement Date of the Loan and the
final Disbursement Date of the Loan as of the day after the final disbursement. Regardless of the repayment option that I have
selected, if I am in default (see Paragraph H) the Lender may capitalize accrued and unpaid interest as of the date of default. In
all cases, the sum of the interest you capitalize plus the then-outstanding principal balance is thereafter considered the principal
balance, and interest will accrue on the new principal balance. For information about capitalization of interest and other amounts
during forbearance periods, see Paragraph G.
E. TERMS OF REPAYMENT:
1. Deferment Period. If I am eligible for and have elected either the Interest Only Repayment Option or the Partial Interest
Repayment Option, you will send Monthly Billing Statements during the Deferment Period showing the Monthly Payment Amount
and the corresponding due date. If I am eligible for and have elected the Full Deferral Repayment Option you may, or, if required
by applicable law, will, send notices showing the total outstanding principal balance of the Loan and the interest that has accrued
on the Loan. You reserve the right to send Monthly Billing Statements or notices to either the Student Borrower and/or the
Cosigner at the address shown on your records. If I am eligible for and have elected the Interest Only Repayment Option, I agree
to make payments each month during the Deferment Period equal to the monthly accrued interest on the outstanding principal
balance of this Loan. If I am eligible for and have elected the Partial Interest Repayment Option, I agree to make $25.00
payments each month during the Deferment Period, except as otherwise stated in this Paragraph E.1. If I am eligible for and
have elected the Full Deferral Repayment Option I may, but am not required to, make payments during the Deferment Period,
except as otherwise stated in this Paragraph E.1. If I am eligible for and have elected the Full Deferral Repayment Option or the
Partial Interest Repayment Option, you will add any interest that I do not pay prior to the first day of the Repayment Term to the
principal Loan balance as of the last day of the Deferment Period, as described in Paragraph D.3. If I am eligible for and have
elected the Interest Only Repayment Option, you will include any interest that I do not pay prior to the first day of the Repayment
Term in my Monthly Payment Amount, as described in Paragraph E.3.
Additional Deferment for Borrowers who elect the Full Deferral Repayment Option, the Interest Only Repayment Option, or the
Partial Interest Repayment Option: In addition, if I am eligible for and have elected the Full Deferral Repayment Option, after the
Deferment End Date, this Loan may be eligible upon written request for “Additional Deferment” as follows: (a) additional
deferment from payment of principal and interest for the number of months equal to the difference between sixty-six (66) months
and the number of months that have expired since the first Disbursement Date, (b) further additional deferment from payment of
principal and interest for a period of up to twenty-four (24) months, and (c) further additional deferment from payment of principal,
during which I may be required to make full interest payments for a subsequent period of up to twenty-four (24) months,
depending on length of enrollment.
If I am eligible for and have elected the Interest Only Repayment Option or Partial Interest Repayment Option, this Loan may be
eligible upon written request for a period of Additional Deferment as follows: (x) additional deferment from payment of principal,
during which I may be required to make full interest payments for the number of months equal to the difference between sixty-six
(66) months and the number of months that have expired since the first Disbursement Date, and (y) further deferment from
payment of principal, during which I may be required to make full interest payments for a subsequent period of up to forty-eight
(48) months, depending on length of enrollment.

SN.17-18.CSX1.20SC.0917 Page 6 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

In all cases, the Student Borrower must be enrolled at least half-time at a Title IV eligible school or, with regard to the Additional
Deferment set forth in Paragraphs E.1(b), E.1(c), and E.1(y), in a medical internship or residency program. The Servicer may
treat any notice of new enrollment from the School or the National Student Clearinghouse as my written request for Additional
Deferment and apply the deferment automatically. If I am eligible for and have elected the Full Deferral Repayment Option, you
will add any interest that I do not pay prior to the end of any Additional Deferment to the principal Loan balance as of the last day
of the Deferment Period, as described in Paragraph D.3. If I am eligible for and have elected the Interest Only Repayment Option
or the Partial Interest Repayment Option, you will include any interest that I do not pay prior to the end of any Additional
Deferment in my Monthly Payment Amount, as described in Paragraph E.3.
2. Repayment Term. The Monthly Payment Amount will be established when my Repayment Term begins, based on the rules in
this Credit Agreement. During the Repayment Term, you will send me Monthly Billing Statements that show the Monthly
Payment Amount and the corresponding due date, and I will pay the Monthly Payment Amount shown on my Monthly Billing
Statement, which amount will in no event be less than $50.00 or the unpaid balance, whichever is less. I understand that the
Monthly Payment Amount is due each month on the date specified in the Monthly Billing Statement. I may pay more than my
Monthly Payment Amount at any time without penalty or charge. If the Loan is in Paid-ahead status, I may, but will not be
required to make monthly payments. “Paid-ahead status” means that amounts have been paid, in addition to the Monthly
Payment Amount currently due, to partially or fully satisfy a monthly payment which is not yet due. You reserve the right to send
Monthly Billing Statements to the Student Borrower and/or the Cosigner. Even if I do not receive Monthly Billing Statements, I will
make consecutive monthly payments in amounts at least equal to the Monthly Payment Amount by the applicable payment due
dates until I have paid all of the principal and interest and all other charges I may owe under this Credit Agreement.
3. Monthly Payment Amount During Repayment Term. My Monthly Payment Amount will be calculated as of the Repayment
Date. It will be recalculated on each Repayment Change Date and any new Monthly Payment Amount will be disclosed to me by
the Servicer. My Monthly Payment Amount will be calculated on the Repayment Date and on each Repayment Change Date to
equal the amount necessary to pay in full, over the number of months remaining in the Repayment Term, the amount I owe in
equal monthly installments of principal and interest at the Variable Rate in effect at the time of the calculation. I understand that
this may result in a reduction or increase in my Monthly Payment Amount as calculated as of each Repayment Change Date. I
understand that during the Repayment Term (and, if I am eligible for and have elected the Interest Only Repayment Option,
during the period of interest payments, or if I am eligible for and have elected the Partial Interest Repayment Option, during the
period of $25.00 payments) the Servicer may change the monthly payment due date of future payments to a different date for the
convenience of the Servicer in processing payments or in order to coordinate the due dates of all of my loans processed by the
Servicer.
4. Amounts Owing at the End of the Repayment Term. Since interest accrues daily upon the unpaid principal balance of the
Loan, if I make payments after my payment due dates, I may owe principal and interest in addition to amounts due on the
monthly payment due date. If I have incurred but not paid my late fees, I will also owe the amount of such late fees. In such
cases, you will increase the amount of my last monthly payment to the amount necessary to repay the Loan in full. In addition,
even if I have made all payments on time, my last monthly payment may be a different amount from previous monthly payments
if the same payment amount would underpay or overpay the remaining outstanding balance of my Loan.
5. Payments. Payments will be applied first to late fees, other fees and charges, then to my unpaid accrued interest, and then to
the balance of the unpaid principal.
6. Late Fees; Other Charges. If you do not receive my Monthly Payment Amount within 10 calendar days after the payment due
date, I will pay a late fee of 5.00% of the overdue payment. To the extent permitted by law, I agree to pay you all amounts you
incur in enforcing the terms of this Credit Agreement, including your reasonable collection agency costs, attorneys’ fees and
court costs up to the maximum amount permitted by law.
7. Borrower Benefits. I may be entitled to the following borrower benefits by meeting the criteria set forth below:
(a) Cosigner Release Benefit: The Cosigner may be released from all obligations hereunder if the Lender (or its agent) receives
either (i) full payment for each of my first 36 consecutive principal and interest payments no later than 10 calendar days after
their respective due dates, or (ii) an amount equal to the total dollar amount that I would pay over the first 36 consecutive months
during which monthly principal and interest payments are due, based on the monthly payment amount(s) in effect at such time
that I am in a Paid-ahead status (see Paragraph E.2), provided that no prior late payments are made. In either case, the Student
Borrower must meet the Lender’s credit criteria then in effect for a cosigner release under this Credit Agreement and be a U.S.
Citizen or permanent resident alien. Cosigner release may not be available for Loans in a forbearance status (see Paragraph G).
(b) Electronic Payment Benefit: Except as otherwise provided in this Paragraph E.7(b), if I agree to make monthly principal and
interest payments by an automatic, electronic monthly deduction from a savings or checking account, the Variable Rate (see
Paragraph D.2) will be reduced by one quarter of one percent (0.25%) for so long as I continue to make such automatic,
electronic monthly payments. This benefit will discontinue and be lost for the remainder of the Repayment Term in the event any
three (3) payments are returned for insufficient funds over the life of the Loan. This benefit is not available for interest payments
made during the Deferment Period for the Interest Only Repayment Option or Partial Interest Repayment Option. This benefit
may be terminated during deferment and forbearance periods, even if interest payments are made.
(c) Graduation Reward Benefit for the Union Federal Private Student Loan Program, the Custom Choice Loan Program,
and the SunTrust Graduate Business School Loan Program: If, after receiving the proceeds of the Loan, the Student
Borrower earns a bachelor’s degree or higher, I may request a 1% rebate to be applied as a principal reduction to the Final Loan
Amount, excluding the total dollar amount of any reductions, cancellations, or returns, as applicable, upon the following
conditions. I understand that I must (i) request the benefit directly from the Servicer, and (ii) provide proof of graduation (e.g.,
SN.17-18.CSX1.20SC.0917 Page 7 of 18 LOAN ID: A1 10457193
BORROWER COPY
 Terms and Conditions

copy of diploma, final transcript, or letter on school letterhead) to the Servicer. This benefit and the related principal reduction set
forth in this Paragraph E.7(c) are available once during the life of the Loan, regardless of whether the Student Borrower receives
more than one degree. This benefit is not available for the AAA Advantage Student Loan Program. My loan program is
indicated in the “Loan Program” field on the Credit Agreement Information Page.
(d) AAA Member Graduation Benefit for the AAA Advantage Student Loan Program: If, after receiving the proceeds of the
Loan, the Student Borrower earns a bachelor’s degree or higher, I may request a 3% rebate to be applied as a principal
reduction to the Final Loan Amount, excluding the total dollar amount of any reductions, cancellations, or returns, as applicable,
upon the following conditions. I understand that I must (i) request the benefit directly from the Servicer; (ii) provide proof of
graduation (e.g., copy of diploma, final transcript, or letter on school letterhead) to the Servicer; and (iii) provide a copy of the
Student Borrower’s or Cosigner’s active AAA membership identification card, confirming membership as of that date. This benefit
and the related principal reduction set forth in this Paragraph E.7(d) are available once during the life of the Loan, regardless of
whether the Student Borrower receives more than one degree. This benefit is not available for the Union Federal Private
Student Loan Program, the Custom Choice Loan Program, or the SunTrust Graduate Business School Loan Program.
My loan program is indicated in the “Loan Program” field on the Credit Agreement Information Page.
(e) On-Time Payment Benefit for the Union Federal Private Student Loan Program and the AAA Advantage Student Loan
Program: The Variable Rate (see Paragraph D.2) will be reduced by one quarter of one percent (0.25%) for the remainder of the
Repayment Term if I (i) make the first thirty-six (36) consecutive monthly payments by their respective due dates, or (ii) make
payments equal to the total amount that I would pay over the first thirty-six (36) consecutive months of scheduled payments,
based on the monthly payment amount(s) in effect at the time that I make such payment(s), so that I am in a Paid-ahead status
(see Paragraph E.2), provided that no prior late payments are made. This benefit is not available for the Custom Choice
Loan Program or the SunTrust Graduate Business School Loan Program. My loan program is indicated in the “Loan
Program” field on the Credit Agreement Information Page.
8. Armed Forces Deferment. At my request, this Loan may be eligible for full deferment of principal and interest for up to thirty-six
(36) months if I am unable to repay the Loan in accordance with the terms established under this Credit Agreement because I
am deployed on active duty status in the armed forces of the United States (“Armed Forces Deferment”). I understand that such
modification to the established terms, other than interest rate adjustments required by law for active duty service members,
would be at your option. I understand that in the case of Armed Forces Deferment, I will remain responsible for all interest
accruing during the period of Armed Forces Deferment and that you will add to the principal balance all interest that I do not pay
prior to the end of such Armed Forces Deferment.
F. RIGHT TO PREPAY: I have the right to prepay all or any part of the Loan at any time without penalty.
G. FORBEARANCE: During the Repayment Term, if I am unable to repay the Loan in accordance with the terms established
under this Credit Agreement, I may request that you modify these terms. I understand that such modification would be at your
option, other than interest rate adjustments required by the Servicemembers Civil Relief Act. I understand that if you grant my
request, I will remain responsible for all interest accruing during any forbearance period and any amounts overdue prior to such
forbearance period. Both accrued and unpaid interest and any amounts overdue may capitalize at the end of a forbearance
period. In such cases, you will add to the then-outstanding principal balance all accrued and unpaid interest and overdue
amounts that I do not pay prior to the end of such forbearance period. I understand that, except as otherwise set forth in this
Paragraph G, forbearance periods will not extend the Repayment Term. I understand that in the event of a period during which I
do not receive a Monthly Billing Statement because (1) a bankruptcy proceeding is begun by or against the Student Borrower
and/or Cosigner, (2) the Servicer has not received a timely notification that the Student Borrower has graduated, separated, or
ceased to be enrolled at least half-time in the School (or another Title IV eligible school), (3) of an administrative purpose upon
disclosure to me (each such period, a “Special Forbearance Period”), I will remain responsible for all interest accruing during any
Special Forbearance Period and any amounts overdue prior to such Special Forbearance Period. Both accrued and unpaid
interest and any amounts overdue may capitalize at the end of such Special Forbearance Period. In such cases, you will add to
the then-outstanding principal balance all accrued and unpaid interest and overdue amounts that I do not pay prior to the end of
any Special Forbearance Period. I understand that any Special Forbearance Period will extend the Repayment Term by the
same number of months of such Special Forbearance Period.
H. DEFAULT; WHOLE LOAN DUE: To the extent permitted by applicable law, I will be in default and you have the right to give
me notice that the whole outstanding principal balance, accrued interest, and all other amounts payable to you under the terms
of this Credit Agreement are due and payable at once (subject to any applicable law which may give me a right to cure my
default) if: (1) I fail to make any monthly payment to you when due, (2) I break any of my other promises in this Credit
Agreement, or (3) I make any false written statement in applying for this Loan or any other loan or at any time prior to repayment
of my Loan in full. If I default, I will be required to pay interest on this Loan accruing after default. Notwithstanding the foregoing,
in the event that the Student Borrower dies and an outstanding balance remains on the Loan at the time of death, you may
forgive the outstanding balance and I will not be in default if (a) the Loan is not otherwise in default due to non-payment, (b) the
Servicer is informed of the Student Borrower’s death, and (c) the Servicer receives acceptable proof of death, as determined by
you.
I. NOTICES:
1. I will send written notice to you, any subsequent holder of this Credit Agreement, and the Servicer within ten (10) calendar
days after any change in name, address, or enrollment status (for example, if the Student Borrower withdraws from the School or
SN.17-18.CSX1.20SC.0917 Page 8 of 18 LOAN ID: A1 10457193
BORROWER COPY
 Terms and Conditions

transfers to another school).

2. Any notice required to be given to me by you will be effective when mailed by first class mail to the latest address you have for
me. Unless required by applicable law, you need not give a separate notice to the Cosigner.
J. INFORMATION:
1. I must update the information I provided to you whenever you ask me to do so.
2. I authorize you from time to time to request and receive from others credit related information about me.
3. CREDIT BUREAU REPORTING
You may report information about my account to credit bureaus. Late payments, missed payments, or other defaults
in my account may be reflected in my credit report.
I understand that the reporting of information about my account to credit bureaus may adversely affect my credit rating and my
ability to obtain other credit. Under the federal Fair Credit Reporting Act, I have the right to notify you if I believe you have
reported inaccurate information about my account to a credit bureau or consumer reporting agency. Such notice should be sent
in writing to the Servicer at American Education Services, PO Box 2461, Harrisburg, Pennsylvania 17102 and include my
complete name, current address, social security number, telephone number, account number, type of account, specific item of
dispute and the reason why I believe the information reported is in error.
I authorize you to provide the School, or any other school the Student Borrower attends while this Credit Agreement is in effect,
in connection with the maintenance or servicing of the Loan, certain nonpublic personal information about me (such as my Social
Security number and Loan ID number), and to report the status of the Loan and my payment history, including information about
a late payment, missed payment or other defaults, to the School and others in accordance with applicable law. I understand that
such disclosures are necessary to effect, administer or enforce the Loan I have requested and authorized.
K. MILITARY LENDING ACT:
1. The Military Lending Act provides protections for certain members of the Armed Forces and their dependents (each a
“Covered Borrower”). The provisions of this Paragraph K apply to Covered Borrowers under the Military Lending Act. If
I would like more information about whether I am a Covered Borrower and whether this Paragraph K applies to me, I
may contact you.
2. Statement of MAPR. Federal law provides important protections to members of the Armed Forces and their
dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the
Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate must include, as
applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary
products sold in connection with the credit transaction; any application fee charged (other than certain application fees
for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees
for a credit card account).
3. Oral Disclosures. In order to hear important Military Lending Act disclosures and payment information provided in
this Agreement, I may call 1-855-882-0281 before or at the time I become obligated on the Loan. If I would like
information at any other time, I may contact you.
4. Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement. The Jury Trial Waiver, Class
Action Waiver, and Arbitration Agreement set forth in this Agreement do not apply to Covered Borrowers under the
Military Lending Act.
L. SET OFF:
1. I authorize you to obtain from the School all amounts owed to me, including any refund due to overpayments, early termination
of the Student Borrower’s enrollment or otherwise. I also authorize you to obtain from the Current Servicer(s), if applicable, all
amounts owed to me, including any refund due to overpayments and apply any such refund to the amount I owe under this
Credit Agreement.
2. To the extent permitted by law, and unless I am a Covered Borrower under the Military Lending Act, you have the right to
apply money from any of my deposit account(s) with you to pay all or a portion of any amount overdue under this Credit
Agreement.
M. ADDITIONAL AGREEMENTS:
1. Any approval, disbursement, or extension of credit as evidenced by this Credit Agreement occurs in the Commonwealth of
Virginia, where you are located. Except as otherwise expressly set forth in this Credit Agreement, the provisions of this Credit
Agreement, including the interest to be charged on the Loan, will be governed by federal law applicable to you and, to the extent
not preempted by federal law, the laws of the Commonwealth of Virginia without regard to its conflicts of law provisions;
provided, however, that if the Student Borrower is a permanent resident of the State of Texas as of the first Disbursement Date,
then with respect to the interest to be charged on the Loan, you will utilize the “weekly ceiling” from time to time in effect as
provided in the Texas Finance Code, Chapter 303, as amended. To the extent United States federal law permits a greater
amount of interest than is permitted under Texas law, you may rely on United States federal law instead of such Chapter 303, as
amended, for the purpose of determining the maximum amount permitted by applicable law. Additionally, to the extent permitted
by applicable law now or hereafter in effect, you may, at your option and from time to time, implement any other method of
computing the maximum lawful rate under such Chapter 303, as amended, or under other applicable law by giving notice, if
required, to me as provided by applicable law now or hereafter in effect.

SN.17-18.CSX1.20SC.0917 Page 9 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

2. The proceeds of this Loan may be used for the Student Borrower’s educational expenses at the School and, if applicable, to
pay off the Existing Private Student Loan(s). Neither the Student Borrower nor the Cosigner will receive any of the Loan
proceeds.
3. My responsibility for paying the Loan evidenced by this Credit Agreement is unaffected by the liability of any other person to
me or to you or by your failure to notify me that a required payment has not been made. Without losing any of your rights under
this Credit Agreement you may accept (a) late payments, (b) partial payments or (c) payments marked “paid in full” or with other
restrictions. You may delay, fail to exercise, or waive any of your rights on any occasion without losing your entitlement to
exercise the right at any future time, or on any future occasion. You will not be obligated to make any demand upon me, send me
any notice, present this Credit Agreement to me for payment or make protest of non-payment to me before suing to collect on
this Credit Agreement if I am in default, and to the extent permitted by applicable law, and unless I am a Covered Borrower under
the Military Lending Act, I hereby waive any right I might otherwise have to require such actions. I WILL NOT SEND YOU
PAYMENTS MARKED “PAID IN FULL”, “WITHOUT RECOURSE”, OR WITH OTHER SIMILAR LANGUAGE UNLESS THOSE
PAYMENTS ARE MARKED FOR SPECIAL HANDLING AND SENT TO THE ADDRESS IDENTIFIED FOR SUCH PAYMENTS
ON MY MONTHLY BILLING STATEMENT, OR TO SUCH OTHER ADDRESS AS I MAY BE GIVEN IN THE FUTURE.
4. I may not assign this Credit Agreement or any of its benefits or obligations. You may assign this Credit Agreement and any
amounts owed on my Loan at any time. I understand that you may obtain insurance to insure payment of the Loan upon default.
If any insurance company or any of its subsidiaries, affiliates or assignees is required under any insurance contract with you to
repay the Loan, such insurance company, subsidiary, affiliate or assignee will become the holder of this Credit Agreement and
have all the rights of the Lender to enforce this Credit Agreement. The terms of this Credit Agreement shall be binding upon me,
and upon my heirs, personal representatives and successors and shall inure to the benefit of you and your successors and
assigns.
5. The terms and conditions set forth in this Credit Agreement constitute the entire agreement between you and me.
6. If any provision of this Credit Agreement is held invalid or unenforceable, that provision shall be considered omitted from this
Credit Agreement without affecting the validity or enforceability of the remainder of this Credit Agreement.
7. A provision of this Credit Agreement may only be modified if jointly agreed upon in writing by you and me. Any modification will
not affect the validity or enforceability of the remainder of this Credit Agreement.
8. THIS IS A NON-NEGOTIABLE CONSUMER CREDIT AGREEMENT.
9. If this Credit Agreement is executed by more than one person, each of us agrees that the Student Borrower and Cosigner will
be jointly and severally liable on this Credit Agreement and that (a) this Credit Agreement may be executed in multiple
counterparts (copies), each of which shall be deemed an original, but all of which together shall constitute one and the same
document, and (b) any communication between you and any of us will be binding on all of us.
10. For purposes of this paragraph only, “I” and “me” refer to the Cosigner only. I intend to be treated as a principal of this Credit
Agreement and not as a surety. To the extent I may be treated as a surety by a court of law, I waive all notices to which I might
otherwise be entitled as such by law, and all suretyship defenses that might be available to me (including, without limitation,
contribution, subrogation and exoneration). I agree that the Student Borrower may agree to any forbearance, deferment or other
modification of the repayment schedule and that such agreement will be binding on me even if I am not notified of such
forbearance or modification. It shall not be necessary for you to resort to or exhaust your remedies against the Student Borrower
before calling upon me to make repayment.
11. All dollar amounts stated in this Credit Agreement are in United States Dollars. I will make all payments in United States
Dollars with no deduction for currency exchange.
12. The failure of the Student Borrower to complete an education program, including the education program paid for with this
Loan, will not relieve me of any of my obligations under this Credit Agreement.
13. I understand and agree that this Loan is an education loan and certify that the proceeds will be used only for costs
of attendance at the School, and, if applicable, to pay off any Existing Private Student Loan(s) that was used for
Qualified Higher Education Expenses at one or more “eligible educational institution(s)” as defined in Section 25A of
the Internal Revenue Code, which were schools eligible for aid under Title IV of the Higher Education Act of 1965 at the
time each such Existing Private Student Loan was made. I acknowledge that the requested Loan is subject to the
limitations on dischargeability in bankruptcy contained in Section 523 (a)(8) of the United States Bankruptcy Code
because this is a “qualified education loan” as defined in the Internal Revenue Code. This means that if, in the event of
bankruptcy that I may file or have filed against me, my other debts are discharged, I still have to pay this Loan in full
unless bankruptcy laws permit a discharge because of an undue hardship upon me and my dependents, if any.
14. I, the Student Borrower, acknowledge that the terms of this Loan may or may not be as favorable as the terms of my
Existing Private Student Loan(s). I agree to compare the terms of my Existing Private Student Loan(s) to the terms of
this Loan prior to signing this Credit Agreement. I understand that (a) by repaying my Existing Private Student Loan(s)
with this Loan, I may be changing the total cost of my Existing Private Student Loan(s) and that any borrower benefits
on the Existing Private Student Loan(s) will not transfer to this Loan, (b) if I am currently receiving a 6% interest rate
cap on my Existing Private Student Loan(s) pursuant to the Servicemembers Civil Relief Act, by choosing to refinance
such loan(s), that benefit will be discontinued to the extent not continued pursuant to certain state laws and (c) if the
Payoff Amount does not pay in full the entire balance(s) owed on my Existing Private Student Loan(s), the outstanding
balance(s) will remain my responsibility.

SN.17-18.CSX1.20SC.0917 Page 10 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

15. I authorize any school that the Student Borrower may attend and, if applicable, the Current Servicer(s), to release to you, and
any other persons designated by you, any requested information you deem to be pertinent to this Loan (e.g., enrollment status,
prior loan history, and current address).
16. I authorize you, and your agents to: (a) advise the School of the status of my application and the Loan, and payment history
of my Loan, (b) respond to inquiries from prior or subsequent lenders or holders with respect to my Credit Agreement and related
documents, (c) release information and make inquiries to the persons I have given you as references, for the purposes of
learning my current address and telephone number, (d) check my credit and employment history, including but not limited to
rechecking my credit if my application remains open over 120 days after I first submit it, and to answer questions about your
credit experience with me, and (e) disclose to the Student Borrower and/or the Cosigner, either in connection with this
transaction or any future transaction, any and all information (including status information and non-public personal information) of
the Student Borrower and/or the Cosigner provided in connection with this Credit Agreement.
17. Waiver by Lender. You waive (give up) any right to claim a security interest in any property to secure this Credit Agreement.
This does not affect any right to offset as a matter of law.
18. If I elect to return any pages of this Credit Agreement that require signature back to you either via fax, by uploading a
scanned copy by logging in to my online account and completing your document upload process, or by sending such pages to
you as an email attachment, and, in any case, keep the copy I signed, I understand that under applicable law the fax, emailed, or
scanned and uploaded copy you receive and accept will be an original of each such page for all purposes, including any lawsuit
to collect amounts I owe. You and I agree that all copies of this Credit Agreement (including the fax, emailed or uploaded scan
you receive and accept, if applicable, and the copy I retain), taken together, shall constitute a single original agreement and shall
supersede any prior credit agreement that I have received, signed, and/or sent to you relating to this Loan. I understand that
the Credit Agreement contains sensitive personal information and that email may not be a secure method of
transmission. I understand that if I send information that contains sensitive personal information via email, I will be
doing so at my own risk.
19. If I elect to sign electronically an electronic record of this Credit Agreement, then the following will apply as between Lender
and me: (a) Lender will keep a non-modifiable electronic record of this document and provide a copy to me upon request, (b) I
can download and/or print, and have downloaded and/or printed, a copy of this document for my records or notified the Lender to
mail me a copy of this document, and (c) the Lender’s electronic record of this document and any printout from that record shall
be an original for all purposes, including any lawsuit to collect amounts that I owe.
20. You may delay or forgo enforcing any of your rights or remedies under this Credit Agreement without losing them. If I am in
default, you are not obligated to make any demand on me, send me any notice, present this Credit Agreement to me for payment
or make protest to me of non-payment before suing to collect on this Credit Agreement. To the extent permitted by law, and
unless I am a Covered Borrower under the Military Lending Act, I hereby waive any right I might have to require such actions.
21. I understand that in the event of the Student Borrower’s Total and Permanent Disability, provided my Loan is not in default
due to non-payment, you may discharge this Loan if the Student Borrower applies for a Total and Permanent Disability discharge
and meets the eligibility requirements then in effect, as set forth on the Total and Permanent Disability discharge application form
that the Student Borrower requests directly from the Servicer. I further understand that such application will be reviewed
independently from any prior application submitted, and that, regardless of any prior discharge that you have granted due to the
Student Borrower’s Total and Permanent Disability, you may deny the application for a discharge to the extent that the Student
Borrower does not meet the eligibility requirements in effect at the time of my new Total and Permanent Disability discharge
application. If you have previously discharged any of the Student Borrower’s prior education or consolidation loan(s) due to Total
and Permanent Disability, I understand that this Loan may not be discharged unless the Student Borrower provides
documentation, as set forth on the discharge application, that the Student Borrower’s Total and Permanent Disability did not
occur until after the first Disbursement Date of this Loan.
N. ARBITRATION AGREEMENT: READ THIS AGREEMENT CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON
HOW DISPUTES AND CLAIMS YOU AND I HAVE AGAINST EACH OTHER ARE RESOLVED.

THIS ARBITRATION AGREEMENT DOES NOT APPLY IF, AS OF THE DATE OF THIS AGREEMENT, I AM A COVERED
BORROWER UNDER THE FEDERAL MILITARY LENDING ACT. IF I WOULD LIKE MORE INFORMATION ABOUT
WHETHER I AM COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION AGREEMENT DOES
NOT APPLY TO ME, I MAY CONTACT YOU AT 1-855-882-0281.

I HAVE A RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH BELOW. If I do not reject this Arbitration
Agreement, for a Claim (as defined below) subject to arbitration, neither you nor I will have the right to: (1) have a court
or a jury decide the Claim; (2) engage in information gathering (discovery) to the same extent as in court; (3) participate
in a class action in court or in arbitration or act as a private attorney general in court or in arbitration; or (4) join or
consolidate a Claim with claims of any other person (other than any Cosigner(s)). The right to appeal is more limited in
arbitration than in court and typically there can be no appeal unless there was bias or misconduct in the arbitration or
there was a manifest disregard of the law. Other rights in court may be unavailable or limited in arbitration.

SN.17-18.CSX1.20SC.0917 Page 11 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

1. Definitions. As used in this Paragraph N:

“I” and “me” means the persons obligated to repay the Credit (as defined below).
“You”, “your”, and “yours” means: (a) the Lender; (b) any person(s) to whom the Credit is transferred or assigned; (c) any
Covered Provider (as defined below); (d) the parents, controlling persons, subsidiaries and affiliates of the companies in (a)-(c)
above; (e) the successors, assigns and predecessors of the companies in (a)-(d) above; and (f) the officers, directors and
employees of the companies in (a)-(e) above.
“Administrator” means JAMS, Inc. (“JAMS”), 1920 Main Street, Suite 300, Irvine, CA 92614, www.jamsadr.com, 1-800-352-5267.
The rules and forms of JAMS may be obtained by writing to the organization at the address listed above. If (and only if) JAMS is
unable or unwilling to serve as Administrator, the parties may agree upon another Administrator or, if they are unable to agree, a
court shall determine the Administrator. No company may serve as Administrator, without the consent of all parties, if it adopts or
has in place any formal or informal policy that is inconsistent with and purports to override the terms of this Arbitration
Agreement. The arbitration will proceed in accordance with this Arbitration Agreement and the Administrator's rules and
procedures including expedited procedures, but in the event of a conflict, the provisions of this Arbitration Agreement shall
control.
“Credit” means the Loan or other credit extension I am receiving under this Credit Agreement and any other loan or credit
extension I have received from you.
“Covered Provider” means any third party that provides any product or service in connection with the Credit if (and only if) I
assert a Claim against such third party in connection with a Claim asserted by me against you.
“Claim” means any claim, dispute or controversy between you and me, (other than any Excluded Claim or Proceeding as set
forth below), whether preexisting, present or future, which arises out of or relates to the Credit, this Credit Agreement or any
transaction conducted with you in connection with the Credit or this Credit Agreement. “Claim” has the broadest possible
meaning and includes initial claims, counterclaims, third-party claims and federal, state, local and administrative claims. It
includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation,
ordinance, common law and equity and includes claims for money damages and injunctive or declaratory relief. Upon my
demand or yours, Claims will be resolved by individual (not class or class-wide) binding arbitration in accordance with the terms
specified in this Arbitration Agreement. A party does not waive the right to require arbitration of a new Claim by bringing a Claim
in a lawsuit or failing to require arbitration of another Claim.
“Excluded Claim or Proceeding” means any of the following claims or proceedings, which will not be subject to this Arbitration
Agreement: (1) any dispute or controversy about the validity, enforceability, coverage or scope of this Arbitration Agreement or
any part thereof (including, without limitation, the Class Action Waiver set forth below and/or this sentence); all such disputes or
controversies are for a court and not an arbitrator to decide. However, any dispute or controversy that concerns the validity or
enforceability of the Credit Agreement as a whole is for the arbitrator, not a court, to decide; (2) any individual action brought by
me or you in small claims court or my state’s equivalent court, unless such action is transferred, removed, or appealed to a
different court; (3) any self-help or non-judicial remedy, including but not limited to acceleration of the Credit and/or set-off; (4)
any action involving recovery of the Credit in the event of a delinquency or default on the Credit; and (5) any individual action in
court by one party that is limited to preventing the other party from using a self-help remedy and that does not involve a request
for damages or monetary relief of any kind. The institution and/or maintenance of any such right, action or litigation shall not
constitute a waiver of the right of either of the parties to compel arbitration regarding any other dispute subject to arbitration
pursuant to this Arbitration Agreement.
"Notice Address" means, except as otherwise specified in this Arbitration Agreement, the address that must be used for giving
notices under this Arbitration Agreement. The initial Notice Address for me is the latest address you have in your files. The initial
Notice Address for you is: SunTrust Bank Legal Department, Attn: General Counsel-Arbitration Election, Mail Code 0643, 303
Peachtree Street N.E., 36th Floor, Atlanta, Georgia 30308, although you may give me notice at any time that you have changed
your Notice Address.
2. Governing Law. Notwithstanding any choice of law or other provision in this Credit Agreement, the parties agree and
acknowledge that this Arbitration Agreement evidences a transaction involving interstate commerce and that the Federal
Arbitration Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and enforcement and proceedings
pursuant thereto. Any state Arbitration Act or Code, including any amendments thereto, of the state law governing this document
does not apply to this Credit Agreement or to any arbitration or award thereunder.
3. Arbitration Procedures. If you or I elect to arbitrate a Claim, the electing party must notify the other party in writing. This notice
can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. Otherwise, a notice must be sent to
the Notice Address specified above. If such a notice is given, the Claim(s) described in the notice shall be resolved by individual
arbitration under this Arbitration Agreement and, to the extent consistent with this Arbitration Agreement, the applicable rules of
the Administrator then in effect. If a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the other
party files a motion to compel arbitration with the court which is granted, it will be the responsibility of the party prosecuting the
Claim(s) to commence the arbitration proceeding with an arbitration Administrator in accordance with this Arbitration Agreement
and the Administrator's rules and procedures.
A single arbitrator will be appointed by the Administrator and, unless the parties agree otherwise, must be a practicing attorney
with ten or more years of experience or a retired judge. The arbitrator will not be bound by judicial rules of procedure and
evidence that would apply in a court, nor by state or local laws that relate to arbitration agreements or proceedings. The arbitrator
will honor and enforce statutes of limitation and claims of privilege recognized under applicable law. In determining liability or
awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent with these rules and
SN.17-18.CSX1.20SC.0917 Page 12 of 18 LOAN ID: A1 10457193
BORROWER COPY
 Terms and Conditions

regulations and the FAA, that would apply if the matter had been brought in court. The arbitrator may award any damages or
other relief or remedies permitted by applicable law. The arbitrator shall write a brief explanation of the grounds for the decision.
A judgment on the award may be entered by any court having jurisdiction.
4. Location and Costs. Any arbitration hearing that I attend will take place in a location that is reasonably convenient for me. For
Claims that total less than $75,000.00 and at my written request, you will pay all filing, hearing and/or other fees charged by the
Administrator and arbitrator to me for Claim(s) asserted by me in arbitration after I have paid an amount equivalent to the fee, if
any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial district in which I reside. If I have already
paid a filing fee for asserting the Claim(s) in court, I will not be required to pay that amount again. In addition, the Administrator
may have a procedure whereby I can seek a waiver of fees charged to me by the Administrator and arbitrator. You will always
pay any fees or expenses that we are required to pay by law or the Administrator’s rules or that we are required to pay for this
Arbitration Agreement to be enforced. The arbitrator will have the authority to award attorneys’ and expert witness fees and costs
to the extent permitted by either this Credit Agreement, the Administrator’s rules or applicable law. The arbitrator shall award me
my reasonable attorneys’ and expert witness fees and costs (a) if and to the extent I prevail on Claim(s) I assert against you in
an arbitration commenced by me or (b) to the extent required under applicable law for this Arbitration Agreement to be enforced.
5. CLASS ACTION WAIVER. Notwithstanding any other provision of this Credit Agreement, if either you or I elect to
arbitrate a Claim, neither you nor I will have the right: (a) to participate in a class action, private attorney general action
or other representative action in court or in arbitration, either as a class representative or class member; or (b) to join
or consolidate Claims with claims of any other persons. No arbitrator shall have authority to conduct any arbitration in
violation of this provision; provided, however, that the Class Action Waiver does not apply to any lawsuit or
administrative proceeding filed against you by a state or federal government agency even when such agency is seeking
relief on behalf of a class of borrowers including me. This means that you will not have the right to compel arbitration of
any claim brought by such an agency. The parties to this Credit Agreement acknowledge that the Class Action Waiver
is material and essential to the arbitration of any disputes between the parties and is nonseverable from this Arbitration
Agreement. If the Class Action Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’
Arbitration Agreement (except for this sentence) shall be null and void with respect to such Claim(s) (but not as to any
other Claim(s) that have been brought or are later brought), subject to the right to appeal the limitation or invalidation of
the Class Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be
arbitrated.
6. Effect of Arbitration Award. The arbitrator's award shall be final and binding on all parties, except for any right of appeal
provided by the FAA. However, if the amount of the Claim exceeds $50,000.00 or involves a request for injunctive or declaratory
relief that could foreseeably involve a cost or benefit to either party exceeding $50,000.00, any party can, within thirty (30) days
after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The
panel shall reconsider anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be
by majority vote. Reference in this Arbitration Agreement to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s
decision has been taken. The costs of such an appeal will be borne in the same manner as the initial Claim as described in the
above paragraph titled “Location and Costs.” Any final decision of the appeal panel is subject to judicial review only as provided
under the FAA.
7. Notice and Cure; Special Payment. Prior to initiating a Claim, I may give you a written claim notice describing the basis of my
Claim and the amount I would accept in resolution of the Claim (“Claim Notice”), and a reasonable opportunity, not less than sixty
(60) days, to resolve the Claim. Such a Claim Notice must be sent to you by certified mail, return receipt requested, at SunTrust
Bank Legal Department, Attn: General Counsel-Claim Notice, Mail Code 0643, 303 Peachtree Street N.E., 36th Floor, Atlanta,
Georgia 30308. This is the sole and only method by which I can submit a Claim Notice. If (a) I submit a Claim Notice in
accordance with this Paragraph N.7 on my own behalf (and not on behalf of any other party); (b) I cooperate with you by
promptly providing the information you reasonably request; (c) you refuse to provide me with the relief I request; and (d) the
matter then proceeds to arbitration and the arbitrator subsequently determines that I was entitled to such relief (or greater relief),
I will be entitled to a minimum award of at least $7,500.00 (not including any arbitration fees and attorneys’ fees and costs to
which I will also be entitled). You encourage me to address all Claims I have in a single Claim Notice and/or a single arbitration.
Accordingly, this $7,500.00 minimum award is a single award that applies to all Claims I have asserted or could have asserted in
the arbitration, and multiple awards of $7,500.00 are not contemplated.
8. Continued Effect of Arbitration Agreement; Severability; Conflicts. Notwithstanding any other provision of this Credit
Agreement, to the extent permitted by applicable law, this Arbitration Agreement shall survive (a) any modification, extension or
forbearance of or under the Credit documents; (b) my full repayment of the Credit; (c) any sale or transfer of the Credit; (d) any
legal proceeding by you to collect a debt owed by me; (e) any bankruptcy (except where prohibited by bankruptcy law); (f) any
rescission by me or attempt by me to rescind the Credit pursuant to any applicable law; and (g) the termination, cancellation,
suspension or rejection of this Credit Agreement. If any portion of this Arbitration Agreement (other than the Class Action Waiver)
cannot be enforced, the rest of this Arbitration Agreement will continue to apply. In the event of a conflict between this Arbitration
Agreement and any applicable rules of JAMS or other Administrator used, the provisions of this Arbitration Agreement shall
control.
9. Right To Reject Arbitration Agreement. I may reject this Arbitration Agreement and therefore not be subject to being required
to resolve any claim, dispute or controversy by arbitration. To reject this Arbitration Agreement, I must send you written notice of
my decision so that you receive it at the address listed below within forty-five (45) days of the first disbursement of my Loan.
Such notice must include a statement that I wish to reject this Arbitration Agreement along with my name, address, account
SN.17-18.CSX1.20SC.0917 Page 13 of 18 LOAN ID: A1 10457193
BORROWER COPY
 Terms and Conditions

name, account number and my signature and must be mailed to the SunTrust Bank Legal Department, Attn: Arbitration
Rejection, PO Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This is the sole and only method by which I can reject this
Arbitration Agreement and any attempt to reject this Arbitration Agreement through any other method or form of notice will be
ineffective. Rejection of this Arbitration Agreement will not affect any remaining terms of this Credit and will not result in any
adverse consequence to me or my Credit. I agree your business records will be final and conclusive with respect to whether I
rejected this Arbitration Agreement in a timely and proper fashion. This Arbitration Agreement will apply to me and you and
to my Credit unless I reject it by providing proper and timely notice as stated herein.
O. JURY TRIAL WAIVER: UNLESS I AM A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND/OR TO
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO ARBITRATION, YOU AND I
HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN
RESPECT TO ANY LITIGATION BASED HEREON OR ARISING OUT OF OR RELATED TO THIS CREDIT AGREEMENT OR
THE LOAN, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN ME AND YOU.
P. CLASS ACTION WAIVER: UNLESS I AM A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND/OR TO
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO ARBITRATION, YOU AND I
HEREBY AGREE THAT ANY LITIGATION ARISING OUT OF, OR RELATING TO THIS CREDIT AGREEMENT OR THE LOAN,
OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN ME AND YOU, WILL PROCEED ON AN INDIVIDUAL BASIS AND
WILL NOT PROCEED AS PART OF A CLASS ACTION AND YOU AND I HEREBY KNOWINGLY, VOLUNTARILY,
INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS
REPRESENTATIVE.
Q. DISCLOSURE NOTICES:
If the School is considered to be a business subject to the Federal Trade Commission rules, then the following notice applies to
me:
NOTICE
ANY HOLDER OF THIS CREDIT AGREEMENT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH I COULD ASSERT
AGAINST THE SCHOOL FOR THE SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY
ME SHALL NOT EXCEED AMOUNTS PAID BY ME HEREUNDER.
IF I CONSULTED THE SCHOOL’S FINANCIAL AID OFFICE IN CONNECTION WITH OBTAINING A LOAN TO FINANCE
HIGHER EDUCATION EXPENSES, THE SCHOOL INFORMED ME OF ALL AVAILABLE FINANCING OPTIONS UNDER
TITLE IV OF THE FEDERAL HIGHER EDUCATION ACT OF 1965, AS AMENDED, INCLUDING INFORMATION ON ANY
TERMS AND CONDITIONS OF AVAILABLE LOANS UNDER SUCH TITLE THAT ARE/WERE MORE FAVORABLE TO ME.
PHONE CONTACTS

1. On each phone number I give to you on this Credit Agreement, whether land line or cell phone, I consent to SunTrust
Bank, its affiliates, agents, and assignees of any of the forgoing parties contacting me at the number by calling, texting
or sending other electronic messages, from time to time, for any reason about my accounts with SunTrust Bank and its
affiliates, including but not limited to, for collection and payment purposes. I agree that automated dialing equipment or
prerecorded voice messages may be used for any of these purposes.

2. Providing my mobile telephone number(s) to you in the application process was voluntary and I was under no
obligation to do so. If I elected not to provide a mobile telephone number, it will not affect the consideration or
disposition of my account or application for a loan with you.

CALIFORNIA RESIDENTS: I have the right to prohibit the use of information contained in my credit file in connection with
transactions not initiated by me. I may exercise this right by notifying the consumer credit reporting agency. A married applicant
may apply for a separate account. If you take any adverse action as defined by Section 1785.3 of the California Civil Code and
the adverse action is based, in whole or in part, on any information contained in a consumer credit report, I have the right to
obtain within 60 days a free copy of my consumer credit report from the consumer reporting agency who furnished you my
consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers
on a nationwide basis. I have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or
completeness of any information in a consumer credit report furnished by the consumer credit reporting agency.
CALIFORNIA AND UTAH RESIDENTS: I am hereby notified that a negative credit report reflecting on my credit record may be
submitted to a credit reporting agency if I fail to fulfill the terms of my credit obligations.
MARYLAND RESIDENTS: In Paragraph M.1, the Lender and I have agreed that this Credit Agreement is governed by federal
law and the laws of Virginia, without regard to conflict of laws rules. If any court should nevertheless determine that this Credit
Agreement is subject to Maryland laws concerning credit, then only to the extent that Maryland law applies, Lender and I agree
and elect that this Loan is made under and governed by Subtitle 10, Credit Grantor Closed End Credit Provisions, of Title 12 of
the Commercial Law Article of the Annotated Code of Maryland, except as preempted by federal law.

SN.17-18.CSX1.20SC.0917 Page 14 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

MISSOURI RESIDENTS: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing
repayment of a debt including promises to extend or renew such debt are not enforceable. To protect me (Student
Borrower and Cosigner) and you (Lender) from misunderstanding or disappointment, any agreements we reach
covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement
between us, except as we may later agree in writing to modify it.
NEVADA RESIDENTS: This is a loan for study.
NEW JERSEY RESIDENTS: The section headings of this Credit Agreement are a table of contents and not contract terms.
Portions of this Credit Agreement with references to actions taken to the extent of applicable law apply to acts or practices that
New Jersey law permits or requires. In this Credit Agreement, acts or practices (i) by you which are or may be permitted by
“applicable law” are permitted by New Jersey law, and (ii) that may or will be taken by you unless prohibited by “applicable law”
are permitted by New Jersey law.
NEW YORK AND RHODE ISLAND RESIDENTS: A consumer report (credit report) may be obtained from a consumer-reporting
agency (credit bureau) in connection with this Loan. If I request (1) I will be informed whether or not consumer reports were
obtained, and (2) if reports were obtained, I will be informed of the names and addresses of the credit bureaus that furnished the
reports. If you agree to make this Loan to me, a consumer credit report may be requested or used in connection with renewals or
extensions of any credit for which I have applied, reviewing the Loan, taking collection action on the Loan, or legitimate purposes
associated with the Loan.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit
worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The
Ohio Civil Rights Commission administers compliance with this law.
TEXAS RESIDENTS: This written loan agreement represents the final agreement between the parties and may not be
contradicted by evidence of prior, contemporaneous, or subsequent oral agreements of the parties. There are no unwritten oral
agreements between the parties. If I am in default, you may require me to pay the entire unpaid principal balance, and any
accrued interest at once. You don’t have to give me notice that you are demanding or intend to demand immediate payment of
all that I owe. Nothing in Paragraph K.2 of this Credit Agreement should be construed to conflict with the restriction of interest
and other charges assessed under this Credit Agreement to 18%.
UTAH RESIDENTS: The written agreement is a final expression of the agreement between the creditor and debtor and the
written agreement may not be contradicted by evidence of any alleged oral agreement.
WISCONSIN RESIDENTS: For married Wisconsin residents, my signature on this Credit Agreement confirms that this Loan
obligation is being incurred in the interest of my marriage or family. No provision of any marital property agreement (pre-marital
agreement), unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of the
Lender unless the Lender, prior to the time that the Loan is approved, is furnished with a copy of the agreement, statement, or
decree or has actual knowledge of the adverse provision when the obligation to the Lender is incurred. If the Loan for which I am
applying is granted, my spouse will also receive notification that credit has been extended to me.
R. STUDENT BORROWER’S AND COSIGNER’S CERTIFICATION: I certify under penalty of perjury under the laws of the
United States of America that all information I provided to you in connection with this Loan, including without limitation, the
information contained in this Credit Agreement, is true, complete, and correct to the best of my knowledge and belief, and is
made in good faith. I certify that the permanent address set forth on the Credit Agreement Information Page reflects the state in
which I am a permanent resident as of the date on which I sign this Credit Agreement. I understand that I am responsible for
repaying immediately any funds that I receive which are not to be used, or are not used, for educational expenses related to
attendance at the School for the academic period stated, or, if applicable, to pay off the Existing Private Student Loan(s). I certify
that I am not now in default on a Federal Perkins Loan, a Federal Stafford Loan, a Federally Insured Student Loan, a Federal
Supplemental Loan for Students (SLS), a Federal PLUS Loan, an Income Contingent repayment plan, a Federal Consolidation
Loan, a William D. Ford Federal Direct Loan, or any other education loan received for attendance at any school. The legal age
for entering into contracts is 18 years of age in every state in the United States except the following: Nebraska (19 years old for
wards of the state only), Alabama (19 years old), and Mississippi and Puerto Rico (21 years old). I certify that I either (a) meet
the applicable state age requirements to enter into contracts, or (b) am at least 17 years of age and have a Cosigner who is the
legal age of majority for entering into contracts.
Except as otherwise provided in Paragraph M.18 of this Credit Agreement, by signing this Credit Agreement, to the
extent permitted by applicable law, I hereby ratify, confirm, and acknowledge the validity of all prior credit agreements I
have signed with the Lender for this loan program, including those which I signed prior to reaching 18 years of age or
the applicable legal age for entering into contracts in my State. I intend and agree that all such credit agreements shall
be binding on me. The consideration for this affirmation is the new credit extended by the Lender to me under this
Credit Agreement. I understand and agree that my acceptance of any disbursements made under this Credit Agreement
constitutes my ratification of this Credit Agreement regardless of whether prior disbursements were made before I
reached 18 years of age or the applicable legal age for entering into contracts in my State. I understand and agree that
my request to change any of the terms of this Credit Agreement, including changes to the Deferment Period, the
Repayment Term, the Repayment Option, the Disbursement Date, or any other term constitutes my ratification of this
Credit Agreement, regardless of whether I signed this Credit Agreement prior to reaching 18 years of age or the
applicable legal age for entering into contracts in my state.

SN.17-18.CSX1.20SC.0917 Page 15 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Terms and Conditions

S. STATE-SPECIFIC COSIGNER NOTICES: For the purposes of the following notices only, the words “you” and “your” refer to
the Cosigner, where applicable, not to the Lender.
FOR OBLIGORS COSIGNING IN VERMONT:
NOTICE TO COSIGNER

YOUR SIGNATURE ON THIS CREDIT AGREEMENT MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF
THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

SIGNATURE PAGE(S) FOLLOWS ON NEXT PAGE.

SN.17-18.CSX1.20SC.0917 Page 16 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Credit Agreement Signature Page

NON-NEGOTIABLE CREDIT AGREEMENT – THIS IS A CONSUMER CREDIT TRANSACTION

For purposes of the following notices, “you” means the Student Borrower and Cosigner, not the Lender.
FOR ALABAMA RESIDENTS: CAUTION – IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
FOR KANSAS RESIDENTS: NOTICE TO CONSUMER: 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT. 2. YOU ARE
ENTITLED TO A COPY OF THIS CREDIT AGREEMENT. 3. YOU MAY PREPAY THE UNPAID BALANCE AT ANY TIME WITHOUT
PENALTY.
FOR VERMONT RESIDENTS: BY SIGNING THIS CREDIT AGREEMENT, YOU CONSENT TO THE LENDER OBTAINING YOUR CONSUMER
REPORT FROM A CONSUMER REPORTING AGENCY IN CONNECTION WITH THIS TRANSACTION OR EXTENSION OF CREDIT FOR THE
PURPOSE OF REVIEWING YOUR LOAN ACCOUNT, FOR THE PURPOSE OF TAKING COLLECTION ACTION ON YOUR LOAN ACCOUNT,
OR FOR OTHER LEGITIMATE PURPOSES ASSOCIATED WITH YOUR LOAN ACCOUNT.
FOR WISCONSIN RESIDENTS: NOTICE TO CUSTOMER:
(a) DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ THE WRITING ON THE PRECEDING PAGES, EVEN IF OTHERWISE
ADVISED.
(b) DO NOT SIGN THIS CREDIT AGREEMENT IF IT CONTAINS ANY BLANK SPACES.
(c) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN.
(d) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE UNDER THIS CREDIT AGREEMENT AND YOU
MAY BE ENTITLED TO A PARTIAL REFUND OF THE FINANCE CHARGE.
This Credit Agreement may be assigned or sold to a third party, in which event the Lender promises that the new holder of the
Loan will honor all terms of this Credit Agreement, including all borrower benefits for which you become eligible during the
Repayment Term.

Federal and California Cosigner Notice

For the purposes of these Notices, the words “you” and “your” refer to the Cosigner, not the Lender.
NOTICE TO COSIGNER (Traduccion en Ingles Se Requiere Por La Ley):
You are being asked to guaranty this debt. Think carefully before you do. If the borrower doesn’t pay the debt, you will have to. Be
sure you can afford to pay if you have to, and that you want to accept this responsibility.
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or
collection costs, which increase this amount.
The holder of the loan can collect this debt from you without first trying to collect from the borrower. The holder of the loan can
use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc.
If this debt is ever in default, that fact may become part of your credit record.

This notice is not the contract that makes you liable for the debt.

AVISO PARA EL FIADOR (Spanish Translation Required by Law):

Se le está pidiendo que garantice esta deuda. Piénselo con cuidado antes de ponerse de acuerdo. Si la persona que ha pedido
este préstamo no paga la deuda, usted tendrá que pagarla. Esté seguro de que usted podrá pagar si sea obligado a pagarla y de
que usted desea aceptar la responsabilidad.
Si la persona que ha pedido el préstamo no paga la deuda, es posible que usted tenga que pagar la suma total de la deuda, mas
los cargos por tardarse en el pago o el costo de cobranza, lo cual aumenta el total de esta suma.
El acreedor (financiero) puede cobrarle a usted sin, primeramente, tratar de cobrarle al deudor. Los mismos metodos de
cobranza que pueden usarse contra el deudor, podran usarse contra usted, tales como presentar una demanda en corte, quitar
parte de su sueldo, etc. Si alguna vez no se cumpla con la obligación de pagar esta deuda, se puede incluir esa información en la
historia de credito de usted.

Este aviso no es el contrato mismo en que se le echa a usted la responsibilidad de la deuda.

SIGNATURE PAGE CONTINUES ON NEXT PAGE.

SN.17-18.CSX1.20SC.0917 Page 17 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Credit Agreement Signature Page
On this page, you must (1) accept the terms of the Loan as disclosed in the Approval Disclosure provided to you and (2)
execute this Credit Agreement. Separate signatures are required, as shown.

Private Education Loan Approval Disclosure – Acceptance of Terms

By signing below, I acknowledge that I have received, reviewed and accept the loan terms disclosed in the Approval Disclosure
that has been provided to me.

I understand that the Final Loan Amount may be different than the “Total Loan Amount” set forth on the Approval Disclosure
due to the amount certified by the School and/or, if applicable, the expiration of Payoff Documentation prior to the first
Disbursement Date, or accommodation of changes that I have requested. The Final Disclosure will reflect the Final Loan
Amount that will be disbursed in accordance with this Credit Agreement.
XXXXX BORROWER REFERENCE COPY – DO NOT SIGN XXXXX XXXXX BORROWER REFERENCE COPY – DO NOT SIGN XXXXX
Student Borrower Signature Cosigner Signature

Date Date

Credit Agreement Execution

By my signature, I certify that I have received a complete copy of this Credit Agreement and have read, understand and, subject
to my acceptance of a Private Education Loan Approval Disclosure (see Paragraph C.3 of this Credit Agreement), agree to the
terms of and undertake the obligations set forth on all pages of this Credit Agreement SN.17-18.CSX1.20SC.0917. I acknowledge
that I have received, reviewed, and understand the terms of the Private Education Loan Application and Solicitation Disclosure
provided to me at the time of my application. I understand that any person who knowingly makes a false statement or
misrepresentation on this form is subject to penalties, which may include fines or imprisonment. This Credit Agreement is
signed under seal. I agree that you (or your agents) may contact me at the phone number(s) listed above for account servicing
purposes. I understand that I am not required to fax, scan and upload, or send as an email attachment my signature on, or to
sign electronically, this Credit Agreement or any related notices that require signature. If I choose to fax or scan and upload or
email my signature on, or to sign electronically this Credit Agreement or any related notices that require signature, I intend: (a)
my faxed, scanned, emailed, or electronic signature to be an electronic signature under applicable federal and state law, (b) any
faxed, emailed, or scanned printout or printout of Lender’s electronic record of this Credit Agreement and related notices to be
an original document, and (c) to conduct business with the Lender by electronic records and electronic signatures. Please note
that we do not recommend sending documents that include your sensitive personal information such as your Social Security
number via email, as email may not be a secure method of transmission. I hereby certify that this Loan is an education loan and
certify that it will be used only for costs of attendance at the School and, if applicable, to pay off any Existing Private Student
Loan(s) that was used for Qualified Higher Education Expenses at one or more “eligible educational institution(s)” as defined in
Section 25A of the Internal Revenue Code, which were schools eligible for aid under Title IV of the Higher Education Act of 1965
at the time each such Existing Private Student Loan was made. I understand the lender and its assignees and agents are relying
on this certificate.

BY SIGNING THIS CREDIT AGREEMENT BELOW, I

CERTIFY THAT I INTEND TO (i) APPLY FOR JOINT CREDIT
AND (ii) BE JOINTLY LIABLE WITH THE STUDENT
BORROWER FOR THIS LOAN.

XXXXX BORROWER REFERENCE COPY – DO NOT SIGN XXXXX XXXXX BORROWER REFERENCE COPY – DO NOT SIGN XXXXX
Student Borrower Signature Cosigner Signature

Date Date

Version Number: 1

SN.17-18.CSX1.20SC.0917 Page 18 of 18 LOAN ID: A1 10457193

BORROWER COPY
 Credit Agreement Information Page

NON-NEGOTIABLE CREDIT AGREEMENT – THIS IS A CONSUMER CREDIT TRANSACTION

LOAN PROGRAM INFORMATION
Academic Period: 08/2017-12/2017 Lender: SunTrust Bank
School I will attend*: Seton Hill University
Loan Program: Custom Choice Loan®
*The School does not endorse this loan and is not affiliated with the Lender. This loan will be made by the Lender, not the School.

LOAN PRODUCT INFORMATION

Loan Amount Requested: $2,000.00 Maximum Repayment Term (in months): 84
Initial Interest Rate**: 5.450% Interest Rate Margin: 4.2%
Repayment Option: Immediate Repayment (Start full payments immediately)
**Variable interest rate equals the One-Month LIBOR index plus the Interest Rate Margin (see Paragraph D.2).

STUDENT BORROWER INFORMATION (Must be old enough to enter into a binding contract)
Borrower Name: Terry A Lasut Social Security Number: 180-78-4226 Date of Birth: 11/15/1998
Email Address: t.lasut@setonhill.edu Permanent Address:
Borrower Citizenship: 231 Luie Lane,
______________________________________________________
Windber, PA 15963
______________________________________________________
Primary Telephone Number: (814) 691-4308
X US Citizen Alternative Telephone Number:

Permanent Resident Alien

Personal Reference Name: Diane Sendek
Other Personal Reference Address:
148 Clearview Height
___________________________________________________
Windber, PA 15963
___________________________________________________
Personal Reference Telephone Number: (814) 248-1482
The Student Borrower’s Personal Reference information cannot
match the Cosigner’s information or the Cosigner’s Personal
Reference information.
Existing Private Student Loan(s) Requested to Refinance (if applicable)
Listed below is each Existing Private Student Loan, if any, that the Student Borrower is requesting to refinance with this Loan,
along with the payoff amount (the total amount of principal, interest, and other amounts required to pay your loan(s) in full)
from the Payoff Documentation; or, if the Payoff Documentation has expired, the payoff amount(s) calculated based on the
most recent information that the Student Borrower provided. The Payoff Amount will be the amount set forth on your Final
Disclosure, based on all of the payoff information provided during the application process and may not include all the individual
payoff amounts listed below. Only Existing Private Student Loans that meet the definition of “qualified higher education
expenses” in Section 221 of the Internal Revenue Code are eligible to be refinanced. You acknowledge that in certain cases, the
Student Borrower’s requested Existing Private Student Loan(s) may not be paid off or may not be paid off in full with this Loan,
and the Student Borrower will remain obligated to make payments on those Existing Private Student Loans. See Paragraph A of
this Credit Agreement for definitions of capitalized terms.
Loan Servicer Account Number Interest Rate Payoff Amount

SN.17-18.CSX1.20SC.0917 Page 3 of 24 LOAN ID: A1

COSIGNER COPY
SN.17-18.CSX1.20SC.0917 Page 1 of 21 LOAN ID: A1 10457193
 COSIGNER INFORMATION (Must be old enough to enter into a binding contract)
Cosigner Name: Randy W Lasut JR Social Security Number: 180-68-6303 Date of Birth: 08/08/1987
Email Address: randylasut@yahoo.com Permanent Address:
Cosigner Citizenship: 207 Spruce Street
______________________________________________________
Windber, PA 15963
______________________________________________________
Primary Telephone Number: (814) 270-4239
X US Citizen Alternative Telephone Number:

Permanent Resident Alien Personal Reference Name Ronald Sheeler

Personal Reference Address:
1127 Miller Picking
_____________________________________________________
Davidsville, PA 15982
______________________________________________________
Personal Reference Telephone Number: (814) 242-0638
Employer Name: Conemaugh The Cosigner’s Personal Reference information cannot match the
Employer Telephone: (814) 534-9000 Student Borrower’s information or the Student Borrower’s
Personal Reference information.

Once you have carefully reviewed, signed and returned all documentation as set forth in the Instructions Checklist, we will
contact the school identified on the Credit Agreement Information Page to certify the Student Borrower’s enrollment status,
financial aid eligibility, and other pertinent information. We cannot approve your loan application if we do not receive this
information.

SN.17-18.CSX1.20SC.0917 Page 2 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

A. DEFINITIONS:
1. In this Credit Agreement, except on the Credit Agreement Information Page and where otherwise indicated, the words “I”,
“me”, “my”, “mine”, and “we” mean the person(s) who signs this Credit Agreement as Student Borrower and Cosigner. The words
“you”, “your”, “yours”, and “Lender” mean SunTrust Bank, its successors and assigns, and any other holder of this Credit
Agreement.
2. “Additional Deferment” has the meaning set forth in Paragraph E.1 of this Credit Agreement.
3. “Approval Disclosure” means a written statement telling me the dollar amount of the Loan that you have approved and other
information that is required by law, including my right to accept this Loan within 30 calendar days after receipt of, or the date
indicated on, the Approval Disclosure. The Approval Disclosure included with my Credit Agreement may be updated, modified or
replaced by a subsequent Approval Disclosure if required by law, which such subsequent Approval Disclosure shall be the
“Approval Disclosure”.
4. “Armed Forces Deferment” has the meaning set forth in Paragraph E.8 of this Credit Agreement.
5. “Covered Borrower” has the meaning set forth in Paragraph K of this Credit Agreement.
6. “Cosigner” means the cosigner listed on the Credit Agreement Information Page.
7. “Credit Agreement” means (a) all pages of this document, including: (i) the Credit Agreement Information Page, (ii) the Terms
and Conditions, (iii) any applicable Notice to Cosigner, and (iv) the Credit Agreement Signature Page, but excluding both the
Credit Agreement Instruction Page and Instructions Checklist and the Fax Cover Sheet, (b) the Approval Disclosure, and (c) the
Final Disclosure. The Approval Disclosure and the Final Disclosure are each incorporated herein by reference and made a part
hereof.
8. “Current Index” has the meaning set forth in Paragraph D.2 of this Credit Agreement.
9. “Current Servicer(s)” means the servicer(s) or holder(s), as applicable, of the Existing Private Student Loan(s).
10. “Deferment End Date” means the earlier of the date which is (a) 6 months after the Student Borrower graduates, (b) 6 months
after the Student Borrower ceases to be enrolled at the School (or another Title IV eligible school) at least half time, or (c) 66
months after the first Disbursement Date.
11. “Deferment Period” means the period that will begin on the first Disbursement Date and end on the Deferment End Date,
except that during any period of Additional Deferment (see Paragraph E.1), “Deferment Period” shall also mean and include the
Additional Deferment period.
12. “Disbursement Date” means the date or dates on which Loan funds are transmitted to the School and, if applicable, the
Current Servicer(s), which such date or dates shall be no earlier than the end of the cancellation period set forth in the Final
Disclosure.
13. “Existing Private Student Loan(s)” means, to the extent that I am requesting to use part of this Loan to refinance any of the
Student Borrower’s outstanding eligible private student loans and/or private student loan consolidation loans, the Student
Borrower’s eligible private student loan(s) and/or private student loan consolidation loan(s) that are set forth on the Credit
Agreement Information Page.
14. “Final Disclosure” means a written statement providing me with the final terms of the Loan, including my right to cancel the
Loan by the date indicated on the Final Disclosure.
15. “Final Loan Amount” means the amount actually disbursed to the School and, if applicable, the Current Servicer(s), on the
Student Borrower’s behalf.
16. “Full Deferral Repayment Option” means that I am not required to make any payments of principal or interest on my Loan
during the Deferment Period as long as the Student Borrower is enrolled at least half-time in the School (or another Title IV
eligible school). My first payment of principal and interest will be due 30-60 days after the Deferment End Date. Warning: The
Full Deferral Repayment Option will cause interest to accrue during the Deferment Period and will cause the
outstanding balance of my loan to increase. Joint and serial (associates to bachelors; bachelors to masters) degree recipients
may continue in-school deferment while completing their second degree, up to the Deferment End Date. My repayment option is
set forth in the “Repayment Option” field on the Credit Agreement Information Page.
17. “Immediate Repayment Option” means there is no Deferment Period, and my first payment of principal and interest will be
due 30-60 days after the final Disbursement Date of the Loan. My repayment option is set forth in the “Repayment Option” field
on the Credit Agreement Information Page.
18. “Interest Only Repayment Option” means interest payments will be due 30-60 days after the first Disbursement Date.
Principal and interest payments will be due 30-60 days after the Deferment End Date. Joint and serial (associates to bachelors;
bachelors to masters) degree recipients may continue to make interest payments and defer principal while completing their
second degree, up to the Deferment End Date. My repayment option is set forth in the “Repayment Option” field on the Credit
Agreement Information Page.
19. “Interest Rate Margin” means the rate set forth in the “Interest Rate Margin” field on the Credit Agreement Information Page.
20. “Loan” means the loan requested in this Credit Agreement.
21. “Loan Amount Requested” means the Loan amount set forth in the “Loan Amount Requested” field on the Credit Agreement
Information Page, which is comprised of my requested School Loan Amount and my requested Payoff Amount.
22. “Monthly Billing Statement” means each monthly billing statement sent to me by the Servicer during the Repayment Term,
which will contain, among other details, information about my Loan balance, monthly payment, and payment remittance
instructions.

SN.17-18.CSX1.20SC.0917 Page 3 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

23. “Monthly Payment Amount” means the amount of my then-current monthly payment.
24. “Paid-ahead Status” has the meaning set forth in Paragraph E.2 of this Credit Agreement.
25. “Partial Interest Repayment Option” means I will pay $25.00 partial interest payments beginning 30-60 days after the first
Disbursement Date, through the Deferment End Date. Principal and interest payments will be due 30-60 days after the
Deferment End Date. Warning: This repayment option may not pay all interest as it accrues and may cause the
outstanding balance of my loan to increase. Joint and serial (associates to bachelors; bachelors to masters) degree recipients
may continue to make partial interest payments and defer principal while completing their second degree, up to the Deferment
End Date. My repayment option is set forth in the “Repayment Option” field on the Credit Agreement Information Page.
26. “Payoff Amount” means the portion of the Final Loan Amount that is disbursed to the Current Servicer(s), if applicable.
27. “Payoff Documentation” means the payoff statement(s) provided by the Student Borrower with respect to Existing Private
Student Loan(s).
28. “Qualified Higher Education Expenses” means qualified higher education expenses as defined in Section 221 of the Internal
Revenue Code.
29. “Repayment Change Date” means any date after the Repayment Term begins when the Monthly Payment Amount is
recalculated, including (a) once each year on or prior to the anniversary of the Repayment Date, (b) if the Variable Rate changes
between anniversaries of the Repayment Date to the extent that the Monthly Payment Amount would not pay in full the accrued
monthly interest on the Loan, (c) following any subsequent deferment or forbearance period or other payment modification, or (d)
following any request by me to the Servicer to change the monthly payment due date.
30. “Repayment Date” means the date on which my Repayment Term begins.
31. “Repayment Term” means the period that begins the day after the Deferment End Date. If there is no Deferment Period for
the Loan, the Repayment Term will begin when the Loan is fully disbursed. Subject to the exceptions contained in this Paragraph
A.31, the maximum Repayment Term is the number of months stated in the “Maximum Repayment Term” field on the Credit
Agreement Information Page. If monthly payments equal to the minimum Monthly Payment Amount will repay all outstanding
principal and interest in less than the maximum Repayment Term, the actual Repayment Term will be the number of months
necessary to fully repay all outstanding principal and interest by making my minimum Monthly Payment Amount. Additional
Deferment will not extend the Repayment Term, unless my Repayment Term is 120 months or less, in which case Additional
Deferment will extend the Repayment Term by the same number of months used in Additional Deferment. Armed Forces
Deferment will not extend the Repayment Term, unless my Repayment Term is 120 months or less, in which case Armed Forces
Deferment will extend the Repayment Term by the same number of months used in Armed Forces Deferment. Certain types of
forbearance (see Paragraph G) may also extend the Repayment Term. Available Loan repayment terms may differ by loan
program and may change from time to time; however, my Repayment Term will not change other than as provided in this Credit
Agreement.
32. “School” means the school named at the top of the Credit Agreement Information Page.
33. “School Loan Amount” means the portion of the Final Loan Amount that is disbursed to the School.
34. “Servicer” means the Lender or any entity it designates to service the Loan.
35. “Special Forbearance Period” has the meaning set forth in Paragraph G of this Credit Agreement.
36. “Student Borrower” means the student listed on the Credit Agreement Information Page.
37. “Substantial Gainful Activity” means a level of work performed for pay or profit that involves doing significant physical or
mental activities, or a combination of both.
38. “Total and Permanent Disability” means a medically determinable physical or mental impairment that either (a) prevents the
Student Borrower from engaging in any Substantial Gainful Activity, in any field of work, and (i) can be expected to result in
death, (ii) has lasted for a continuous period of not less than 60 months, or (iii) can be expected to last for a continuous period of
not less than 60 months; or (b) if the Student Borrower is a veteran, renders the Student Borrower unemployable due to a
service-connected disability.
39. “Variable Rate” has the meaning assigned to it in Paragraph D.2 of this Credit Agreement.
B. PROMISE TO PAY: I promise to pay to you the following amounts: (1) all of the Final Loan Amount, (2) interest on such Final
Loan Amount, (3) interest on any unpaid interest added to the Final Loan Amount, (4) any late fees (see Paragraph E.6), and (5)
to the extent permitted by law, reasonable collection costs, including reasonable attorneys’ fees and court costs, that you incur in
collecting amounts owed on this Credit Agreement. I agree that my obligations and those of any other person signing this Credit
Agreement are joint and several. Unless otherwise agreed or required by applicable law, payments will be applied first to late
fees and other fees and charges, then to any unpaid accrued interest, and then to the unpaid principal balance. I understand that
the Final Loan Amount will include the School Loan Amount and the Payoff Amount. If I have chosen to use part of this Loan to
refinance any Existing Private Student Loans, I understand that the Payoff Amount may be higher or lower than the sum of the
individual payoff amounts shown on the Credit Agreement Information Page. If any overpayment of the Existing Private Student
Loan(s) occurs, I authorize the Current Servicer(s) to pay to you any refund that may be owed to me. You will apply any such
refund to the principal balance of this Loan. I, the Student Borrower, understand that it will remain my responsibility to pay in full
the proceeds of any Existing Private Student Loan(s) not paid in full in the process of obtaining this Loan. If any Current
Servicer(s) rejects a payment or any part of a payment intended to pay off the Existing Private Student Loan(s) and that payment
is returned to Lender, we, the Student Borrower and Cosigner, understand that we will remain obligated on this Loan, and that
the Student Borrower will remain obligated on the Existing Private Student Loan(s), to the extent that there is a remaining
balance on such loan(s). The Servicer will apply the rejected payment(s) to reduce the principal balance of this Loan. I
SN.17-18.CSX1.20SC.0917 Page 4 of 21 LOAN ID: A1 10457193
COSIGNER COPY
 Terms and Conditions

understand that if no part of my Existing Private Student Loan(s) is paid off with this Loan, I will still be obligated on this Loan to
the extent of the School Loan Amount.
C. CONDITIONS, DISBURSEMENT AND CANCELLATION:
1. Conditions for Making This Loan. When you receive my signed Credit Agreement Signature Page and, if applicable,
Notice to Cosigner, you are not agreeing to lend me money. I understand that before you will make the Loan to me, (a) I
must provide any documents and information that you may request to verify information I provided to you as part of
this Credit Agreement, (b) I must sign a completed Private Education Loan Applicant Self-Certification form, and (c) the
School must certify the Student Borrower’s enrollment status and financial aid eligibility. You have the right to not
make the Loan or to lend an amount that is different than the Loan Amount Requested, as applicable, if: (i) the School
does not confirm the Student Borrower’s enrollment or eligibility, (ii) the School certifies a loan amount that is different
from the requested School Loan Amount, and/or (iii) I have chosen to use part of this Loan to refinance an Existing
Private Student Loan(s) and (A) the Payoff Documentation expires prior to the first Disbursement Date, or (B) you
accommodate changes that I have requested. If Payoff Documentation expires prior to the first Disbursement Date you
will (x) use the most current interest rate that I provided for such Existing Private Student Loan(s) to determine the
Payoff Amount, and (y) assume that I haven’t made any payments since the Payoff Documentation was generated.
2. How the Lender Will Disburse This Loan. If you decide to make the Loan to me, you may electronically transfer or mail a check
in an amount equal to the School Loan Amount to the School for me, and, if applicable, you may also electronically transfer or
mail a check in an amount equal to the Payoff Amount to the Current Servicer(s) for me. At your option, with respect to a check
mailed to the School, you may make the check co-payable to the Student Borrower and the School. I agree to repay the Final
Loan Amount along with interest and all other amounts I owe (see Paragraph B). If one of the Current Servicer(s) rejects
payment, you will contact me in order to help attempt to facilitate the payoff process. You have the right to disburse the Loan
through an agent.
3. How I Agree to the Terms of or Cancel This Loan. By signing this Credit Agreement, and submitting it to the Lender, I am
requesting that you make this Loan to me in an amount equal to the Loan Amount Requested and I certify that I have received
and carefully reviewed the Approval Disclosure which provides details regarding this Loan, the estimated fees, interest rate and
repayment terms, federal loan alternatives, and the steps I must take to finally accept the terms of this Loan. Following your
receipt of the Credit Agreement Signature Page, the signed and completed Private Education Loan Applicant Self-Certification
form, the signed Notice to Cosigner (if applicable) and certification of my Loan request by the School, you will send me the Final
Disclosure as required by law. The Final Disclosure will tell me the Final Loan Amount, the initial interest rate, and other
important information. I should carefully review the Final Disclosure as soon as I receive it. I will review the Final Disclosure and
notify you in writing if I have any questions. The Final Disclosure will notify me of my right to cancel this Loan request. I
understand that this Loan may not be disbursed to the School and, if applicable, the Current Servicer(s), until after the
cancellation period set forth in the Final Disclosure ends. If I do not cancel this Loan request by the deadline set forth in the Final
Disclosure, (a) I am acknowledging receipt of the Final Disclosure and agreeing to its terms, and (b) you may disburse (i) the
School Loan Amount, in up to four disbursements, as requested by the School, and, if applicable, (ii) the Payoff Amount in one
lump sum. I will let you know that I agree to the terms of this Credit Agreement and the Final Disclosure by failing to cancel the
Loan as set forth in the Final Disclosure. I understand that if I cancel the Loan as set forth above, you will not make any
disbursements of either the School Loan Amount or, if applicable, the Payoff Amount, and this Loan will be canceled in full. I may
cancel any disbursement of the School Loan Amount in writing before that disbursement is made, but any such cancellation will
cancel all future disbursements of the School Loan Amount. After you make a School Loan Amount disbursement, I may cancel
that disbursement without paying any interest or fees on that disbursement amount by returning the related disbursement funds
to you for your receipt within sixty (60) days after you make the disbursement; I should also call the toll free number on the Credit
Agreement Instructions Page. If you have already sent such School Loan Amount disbursement directly to the School, I must
instruct the School to return the funds. I cannot cancel a School Loan Amount disbursement after the expiration of sixty (60) days
following the Disbursement Date for that disbursement. If I do not ask the School to return the disbursement, I must repay, in
accordance with the terms of this Credit Agreement, any amounts disbursed but not canceled. I understand that even if I
cancel any disbursement of the School Loan Amount, once you have sent the disbursement for the Payoff Amount
directly to the Current Servicer(s), I will remain responsible for, and must repay, the Payoff Amount.
4. How the Lender may Cancel Disbursement(s). Under any repayment option, if (a) the School cancels the Loan prior to any
disbursement being made, (b) the Student Borrower ceases to be enrolled at least half-time in the School, (c) the Loan has been
discharged due to the Student Borrower’s Total and Permanent Disability, or (d) any event of default set forth under Paragraph H
occurs prior to a future disbursement, then you may cancel this Loan, or withhold or cancel any future disbursement(s) of the
Loan. If an allegation that I have made any false written statement in applying for this Loan or any other loan is made against me,
then you may withhold or cancel any future disbursement(s) of the Loan pending the outcome of your investigation.
D. INTEREST:
1. Accrual. Beginning on the first Disbursement Date, interest will be calculated at the Variable Rate (see Paragraph D.2) and
charged on the Final Loan Amount, and on any unpaid interest later added to the Final Loan Amount according to Paragraph
D.3. During the Repayment Term, interest will continue to be calculated at the Variable Rate and charged on the outstanding
balance of the Loan until all amounts are paid in full. Interest will be calculated on a daily simple interest basis. The daily interest
rate will be equal to the annual interest rate in effect on that day, divided by the number of days in that calendar year.

SN.17-18.CSX1.20SC.0917 Page 5 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

2. Variable Rate. The “Variable Rate” is equal to the Current Index, as defined below, plus the “Interest Rate Margin”. In no event
will the Variable Rate and other charges assessed under this Credit Agreement exceed (a) the maximum rate allowed by the
laws of the Commonwealth of Virginia, or (b) if the Student Borrower is a permanent resident of the State of Texas on the first
Disbursement Date, the maximum rate allowed by the laws of the State of Texas (for additional details, see Paragraph M.1). The
Variable Rate will change monthly on the first day of each calendar month if the Current Index changes. The “Current Index” for
each calendar month (or, if the first Disbursement Date is not on the first day of the calendar month, a shorter period beginning
on the first Disbursement Date and ending on the last day of the calendar month in which the first Disbursement Date occurs) will
equal the One-Month London Interbank Offered Rate (“LIBOR”) published in the “Money Rates” section of The Wall Street
Journal Eastern Edition on the 25th day of the immediately preceding calendar month, (or if such 25th day is not a business day,
the next business day thereafter), rounded up to the nearest one-eighth of one percent (0.125%). If The Wall Street Journal
Eastern Edition is not published or the Current Index is not given on that date, then the Current Index will be determined by using
the immediately preceding published Current Index for such date. If the Current Index is no longer available, you will choose a
comparable index.
3. Capitalization. Interest that is added to principal is called “capitalized” interest. Generally, interest is capitalized at the end of
any Deferment Period, any forbearance period (see Paragraph G), or for any administrative purpose, upon disclosure to me. If I
am eligible for and have elected the Full Deferral Repayment Option, all unpaid interest accrued during the Deferment Period will
be due and payable as a liquidated obligation on the first day of the Repayment Term. I will have the option of either (a) paying
the accrued and unpaid interest, or (b) “capitalizing” the accrued and unpaid interest by adding it to the outstanding principal
balance of the Loan. If I do not pay the accrued and unpaid interest prior to the first day of the Repayment Term, you are
instructed to deem such non-payment to be my election to capitalize the interest and my instruction to you to add the accrued
and unpaid interest to the outstanding principal balance of the Loan as of the last day of my Deferment Period. If I am eligible for
and have elected the Partial Interest Repayment Option, you will add accrued and unpaid interest (interest that is in excess of
the amount I paid each month) during the Deferment Period to the outstanding principal balance as of the last day of the
Deferment Period. In addition, if the Loan will be disbursed in multiple disbursements and if I am eligible for and have elected the
Immediate Repayment Option, you will capitalize interest that accrues between the first Disbursement Date of the Loan and the
final Disbursement Date of the Loan as of the day after the final disbursement. Regardless of the repayment option that I have
selected, if I am in default (see Paragraph H) the Lender may capitalize accrued and unpaid interest as of the date of default. In
all cases, the sum of the interest you capitalize plus the then-outstanding principal balance is thereafter considered the principal
balance, and interest will accrue on the new principal balance. For information about capitalization of interest and other amounts
during forbearance periods, see Paragraph G.
E. TERMS OF REPAYMENT:
1. Deferment Period. If I am eligible for and have elected either the Interest Only Repayment Option or the Partial Interest
Repayment Option, you will send Monthly Billing Statements during the Deferment Period showing the Monthly Payment Amount
and the corresponding due date. If I am eligible for and have elected the Full Deferral Repayment Option you may, or, if required
by applicable law, will, send notices showing the total outstanding principal balance of the Loan and the interest that has accrued
on the Loan. You reserve the right to send Monthly Billing Statements or notices to either the Student Borrower and/or the
Cosigner at the address shown on your records. If I am eligible for and have elected the Interest Only Repayment Option, I agree
to make payments each month during the Deferment Period equal to the monthly accrued interest on the outstanding principal
balance of this Loan. If I am eligible for and have elected the Partial Interest Repayment Option, I agree to make $25.00
payments each month during the Deferment Period, except as otherwise stated in this Paragraph E.1. If I am eligible for and
have elected the Full Deferral Repayment Option I may, but am not required to, make payments during the Deferment Period,
except as otherwise stated in this Paragraph E.1. If I am eligible for and have elected the Full Deferral Repayment Option or the
Partial Interest Repayment Option, you will add any interest that I do not pay prior to the first day of the Repayment Term to the
principal Loan balance as of the last day of the Deferment Period, as described in Paragraph D.3. If I am eligible for and have
elected the Interest Only Repayment Option, you will include any interest that I do not pay prior to the first day of the Repayment
Term in my Monthly Payment Amount, as described in Paragraph E.3.
Additional Deferment for Borrowers who elect the Full Deferral Repayment Option, the Interest Only Repayment Option, or the
Partial Interest Repayment Option: In addition, if I am eligible for and have elected the Full Deferral Repayment Option, after the
Deferment End Date, this Loan may be eligible upon written request for “Additional Deferment” as follows: (a) additional
deferment from payment of principal and interest for the number of months equal to the difference between sixty-six (66) months
and the number of months that have expired since the first Disbursement Date, (b) further additional deferment from payment of
principal and interest for a period of up to twenty-four (24) months, and (c) further additional deferment from payment of principal,
during which I may be required to make full interest payments for a subsequent period of up to twenty-four (24) months,
depending on length of enrollment.
If I am eligible for and have elected the Interest Only Repayment Option or Partial Interest Repayment Option, this Loan may be
eligible upon written request for a period of Additional Deferment as follows: (x) additional deferment from payment of principal,
during which I may be required to make full interest payments for the number of months equal to the difference between sixty-six
(66) months and the number of months that have expired since the first Disbursement Date, and (y) further deferment from
payment of principal, during which I may be required to make full interest payments for a subsequent period of up to forty-eight
(48) months, depending on length of enrollment.

SN.17-18.CSX1.20SC.0917 Page 6 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

In all cases, the Student Borrower must be enrolled at least half-time at a Title IV eligible school or, with regard to the Additional
Deferment set forth in Paragraphs E.1(b), E.1(c), and E.1(y), in a medical internship or residency program. The Servicer may
treat any notice of new enrollment from the School or the National Student Clearinghouse as my written request for Additional
Deferment and apply the deferment automatically. If I am eligible for and have elected the Full Deferral Repayment Option, you
will add any interest that I do not pay prior to the end of any Additional Deferment to the principal Loan balance as of the last day
of the Deferment Period, as described in Paragraph D.3. If I am eligible for and have elected the Interest Only Repayment Option
or the Partial Interest Repayment Option, you will include any interest that I do not pay prior to the end of any Additional
Deferment in my Monthly Payment Amount, as described in Paragraph E.3.
2. Repayment Term. The Monthly Payment Amount will be established when my Repayment Term begins, based on the rules in
this Credit Agreement. During the Repayment Term, you will send me Monthly Billing Statements that show the Monthly
Payment Amount and the corresponding due date, and I will pay the Monthly Payment Amount shown on my Monthly Billing
Statement, which amount will in no event be less than $50.00 or the unpaid balance, whichever is less. I understand that the
Monthly Payment Amount is due each month on the date specified in the Monthly Billing Statement. I may pay more than my
Monthly Payment Amount at any time without penalty or charge. If the Loan is in Paid-ahead status, I may, but will not be
required to make monthly payments. “Paid-ahead status” means that amounts have been paid, in addition to the Monthly
Payment Amount currently due, to partially or fully satisfy a monthly payment which is not yet due. You reserve the right to send
Monthly Billing Statements to the Student Borrower and/or the Cosigner. Even if I do not receive Monthly Billing Statements, I will
make consecutive monthly payments in amounts at least equal to the Monthly Payment Amount by the applicable payment due
dates until I have paid all of the principal and interest and all other charges I may owe under this Credit Agreement.
3. Monthly Payment Amount During Repayment Term. My Monthly Payment Amount will be calculated as of the Repayment
Date. It will be recalculated on each Repayment Change Date and any new Monthly Payment Amount will be disclosed to me by
the Servicer. My Monthly Payment Amount will be calculated on the Repayment Date and on each Repayment Change Date to
equal the amount necessary to pay in full, over the number of months remaining in the Repayment Term, the amount I owe in
equal monthly installments of principal and interest at the Variable Rate in effect at the time of the calculation. I understand that
this may result in a reduction or increase in my Monthly Payment Amount as calculated as of each Repayment Change Date. I
understand that during the Repayment Term (and, if I am eligible for and have elected the Interest Only Repayment Option,
during the period of interest payments, or if I am eligible for and have elected the Partial Interest Repayment Option, during the
period of $25.00 payments) the Servicer may change the monthly payment due date of future payments to a different date for the
convenience of the Servicer in processing payments or in order to coordinate the due dates of all of my loans processed by the
Servicer.
4. Amounts Owing at the End of the Repayment Term. Since interest accrues daily upon the unpaid principal balance of the
Loan, if I make payments after my payment due dates, I may owe principal and interest in addition to amounts due on the
monthly payment due date. If I have incurred but not paid my late fees, I will also owe the amount of such late fees. In such
cases, you will increase the amount of my last monthly payment to the amount necessary to repay the Loan in full. In addition,
even if I have made all payments on time, my last monthly payment may be a different amount from previous monthly payments
if the same payment amount would underpay or overpay the remaining outstanding balance of my Loan.
5. Payments. Payments will be applied first to late fees, other fees and charges, then to my unpaid accrued interest, and then to
the balance of the unpaid principal.
6. Late Fees; Other Charges. If you do not receive my Monthly Payment Amount within 10 calendar days after the payment due
date, I will pay a late fee of 5.00% of the overdue payment. To the extent permitted by law, I agree to pay you all amounts you
incur in enforcing the terms of this Credit Agreement, including your reasonable collection agency costs, attorneys’ fees and
court costs up to the maximum amount permitted by law.
7. Borrower Benefits. I may be entitled to the following borrower benefits by meeting the criteria set forth below:
(a) Cosigner Release Benefit: The Cosigner may be released from all obligations hereunder if the Lender (or its agent) receives
either (i) full payment for each of my first 36 consecutive principal and interest payments no later than 10 calendar days after
their respective due dates, or (ii) an amount equal to the total dollar amount that I would pay over the first 36 consecutive months
during which monthly principal and interest payments are due, based on the monthly payment amount(s) in effect at such time
that I am in a Paid-ahead status (see Paragraph E.2), provided that no prior late payments are made. In either case, the Student
Borrower must meet the Lender’s credit criteria then in effect for a cosigner release under this Credit Agreement and be a U.S.
Citizen or permanent resident alien. Cosigner release may not be available for Loans in a forbearance status (see Paragraph G).
(b) Electronic Payment Benefit: Except as otherwise provided in this Paragraph E.7(b), if I agree to make monthly principal and
interest payments by an automatic, electronic monthly deduction from a savings or checking account, the Variable Rate (see
Paragraph D.2) will be reduced by one quarter of one percent (0.25%) for so long as I continue to make such automatic,
electronic monthly payments. This benefit will discontinue and be lost for the remainder of the Repayment Term in the event any
three (3) payments are returned for insufficient funds over the life of the Loan. This benefit is not available for interest payments
made during the Deferment Period for the Interest Only Repayment Option or Partial Interest Repayment Option. This benefit
may be terminated during deferment and forbearance periods, even if interest payments are made.
(c) Graduation Reward Benefit for the Union Federal Private Student Loan Program, the Custom Choice Loan Program,
and the SunTrust Graduate Business School Loan Program: If, after receiving the proceeds of the Loan, the Student
Borrower earns a bachelor’s degree or higher, I may request a 1% rebate to be applied as a principal reduction to the Final Loan
Amount, excluding the total dollar amount of any reductions, cancellations, or returns, as applicable, upon the following
conditions. I understand that I must (i) request the benefit directly from the Servicer, and (ii) provide proof of graduation (e.g.,
SN.17-18.CSX1.20SC.0917 Page 7 of 21 LOAN ID: A1 10457193
COSIGNER COPY
 Terms and Conditions

copy of diploma, final transcript, or letter on school letterhead) to the Servicer. This benefit and the related principal reduction set
forth in this Paragraph E.7(c) are available once during the life of the Loan, regardless of whether the Student Borrower receives
more than one degree. This benefit is not available for the AAA Advantage Student Loan Program. My loan program is
indicated in the “Loan Program” field on the Credit Agreement Information Page.
(d) AAA Member Graduation Benefit for the AAA Advantage Student Loan Program: If, after receiving the proceeds of the
Loan, the Student Borrower earns a bachelor’s degree or higher, I may request a 3% rebate to be applied as a principal
reduction to the Final Loan Amount, excluding the total dollar amount of any reductions, cancellations, or returns, as applicable,
upon the following conditions. I understand that I must (i) request the benefit directly from the Servicer; (ii) provide proof of
graduation (e.g., copy of diploma, final transcript, or letter on school letterhead) to the Servicer; and (iii) provide a copy of the
Student Borrower’s or Cosigner’s active AAA membership identification card, confirming membership as of that date. This benefit
and the related principal reduction set forth in this Paragraph E.7(d) are available once during the life of the Loan, regardless of
whether the Student Borrower receives more than one degree. This benefit is not available for the Union Federal Private
Student Loan Program, the Custom Choice Loan Program, or the SunTrust Graduate Business School Loan Program.
My loan program is indicated in the “Loan Program” field on the Credit Agreement Information Page.
(e) On-Time Payment Benefit for the Union Federal Private Student Loan Program and the AAA Advantage Student Loan
Program: The Variable Rate (see Paragraph D.2) will be reduced by one quarter of one percent (0.25%) for the remainder of the
Repayment Term if I (i) make the first thirty-six (36) consecutive monthly payments by their respective due dates, or (ii) make
payments equal to the total amount that I would pay over the first thirty-six (36) consecutive months of scheduled payments,
based on the monthly payment amount(s) in effect at the time that I make such payment(s), so that I am in a Paid-ahead status
(see Paragraph E.2), provided that no prior late payments are made. This benefit is not available for the Custom Choice
Loan Program or the SunTrust Graduate Business School Loan Program. My loan program is indicated in the “Loan
Program” field on the Credit Agreement Information Page.
8. Armed Forces Deferment. At my request, this Loan may be eligible for full deferment of principal and interest for up to thirty-six
(36) months if I am unable to repay the Loan in accordance with the terms established under this Credit Agreement because I
am deployed on active duty status in the armed forces of the United States (“Armed Forces Deferment”). I understand that such
modification to the established terms, other than interest rate adjustments required by law for active duty service members,
would be at your option. I understand that in the case of Armed Forces Deferment, I will remain responsible for all interest
accruing during the period of Armed Forces Deferment and that you will add to the principal balance all interest that I do not pay
prior to the end of such Armed Forces Deferment.
F. RIGHT TO PREPAY: I have the right to prepay all or any part of the Loan at any time without penalty.
G. FORBEARANCE: During the Repayment Term, if I am unable to repay the Loan in accordance with the terms established
under this Credit Agreement, I may request that you modify these terms. I understand that such modification would be at your
option, other than interest rate adjustments required by the Servicemembers Civil Relief Act. I understand that if you grant my
request, I will remain responsible for all interest accruing during any forbearance period and any amounts overdue prior to such
forbearance period. Both accrued and unpaid interest and any amounts overdue may capitalize at the end of a forbearance
period. In such cases, you will add to the then-outstanding principal balance all accrued and unpaid interest and overdue
amounts that I do not pay prior to the end of such forbearance period. I understand that, except as otherwise set forth in this
Paragraph G, forbearance periods will not extend the Repayment Term. I understand that in the event of a period during which I
do not receive a Monthly Billing Statement because (1) a bankruptcy proceeding is begun by or against the Student Borrower
and/or Cosigner, (2) the Servicer has not received a timely notification that the Student Borrower has graduated, separated, or
ceased to be enrolled at least half-time in the School (or another Title IV eligible school), (3) of an administrative purpose upon
disclosure to me (each such period, a “Special Forbearance Period”), I will remain responsible for all interest accruing during any
Special Forbearance Period and any amounts overdue prior to such Special Forbearance Period. Both accrued and unpaid
interest and any amounts overdue may capitalize at the end of such Special Forbearance Period. In such cases, you will add to
the then-outstanding principal balance all accrued and unpaid interest and overdue amounts that I do not pay prior to the end of
any Special Forbearance Period. I understand that any Special Forbearance Period will extend the Repayment Term by the
same number of months of such Special Forbearance Period.
H. DEFAULT; WHOLE LOAN DUE: To the extent permitted by applicable law, I will be in default and you have the right to give
me notice that the whole outstanding principal balance, accrued interest, and all other amounts payable to you under the terms
of this Credit Agreement are due and payable at once (subject to any applicable law which may give me a right to cure my
default) if: (1) I fail to make any monthly payment to you when due, (2) I break any of my other promises in this Credit
Agreement, or (3) I make any false written statement in applying for this Loan or any other loan or at any time prior to repayment
of my Loan in full. If I default, I will be required to pay interest on this Loan accruing after default. Notwithstanding the foregoing,
in the event that the Student Borrower dies and an outstanding balance remains on the Loan at the time of death, you may
forgive the outstanding balance and I will not be in default if (a) the Loan is not otherwise in default due to non-payment, (b) the
Servicer is informed of the Student Borrower’s death, and (c) the Servicer receives acceptable proof of death, as determined by
you.
I. NOTICES:
1. I will send written notice to you, any subsequent holder of this Credit Agreement, and the Servicer within ten (10) calendar
days after any change in name, address, or enrollment status (for example, if the Student Borrower withdraws from the School or
SN.17-18.CSX1.20SC.0917 Page 8 of 21 LOAN ID: A1 10457193
COSIGNER COPY
 Terms and Conditions

transfers to another school).

2. Any notice required to be given to me by you will be effective when mailed by first class mail to the latest address you have for
me. Unless required by applicable law, you need not give a separate notice to the Cosigner.
J. INFORMATION:
1. I must update the information I provided to you whenever you ask me to do so.
2. I authorize you from time to time to request and receive from others credit related information about me.
3. CREDIT BUREAU REPORTING
You may report information about my account to credit bureaus. Late payments, missed payments, or other defaults
in my account may be reflected in my credit report.
I understand that the reporting of information about my account to credit bureaus may adversely affect my credit rating and my
ability to obtain other credit. Under the federal Fair Credit Reporting Act, I have the right to notify you if I believe you have
reported inaccurate information about my account to a credit bureau or consumer reporting agency. Such notice should be sent
in writing to the Servicer at American Education Services, PO Box 2461, Harrisburg, Pennsylvania 17102 and include my
complete name, current address, social security number, telephone number, account number, type of account, specific item of
dispute and the reason why I believe the information reported is in error.
I authorize you to provide the School, or any other school the Student Borrower attends while this Credit Agreement is in effect,
in connection with the maintenance or servicing of the Loan, certain nonpublic personal information about me (such as my Social
Security number and Loan ID number), and to report the status of the Loan and my payment history, including information about
a late payment, missed payment or other defaults, to the School and others in accordance with applicable law. I understand that
such disclosures are necessary to effect, administer or enforce the Loan I have requested and authorized.
K. MILITARY LENDING ACT:
1. The Military Lending Act provides protections for certain members of the Armed Forces and their dependents (each a
“Covered Borrower”). The provisions of this Paragraph K apply to Covered Borrowers under the Military Lending Act. If
I would like more information about whether I am a Covered Borrower and whether this Paragraph K applies to me, I
may contact you.
2. Statement of MAPR. Federal law provides important protections to members of the Armed Forces and their
dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the
Armed Forces and his or her dependent may not exceed an Annual Percentage Rate of 36%. This rate must include, as
applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary
products sold in connection with the credit transaction; any application fee charged (other than certain application fees
for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees
for a credit card account).
3. Oral Disclosures. In order to hear important Military Lending Act disclosures and payment information provided in
this Agreement, I may call 1-855-882-0281 before or at the time I become obligated on the Loan. If I would like
information at any other time, I may contact you.
4. Applicability of Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement. The Jury Trial Waiver, Class
Action Waiver, and Arbitration Agreement set forth in this Agreement do not apply to Covered Borrowers under the
Military Lending Act.
L. SET OFF:
1. I authorize you to obtain from the School all amounts owed to me, including any refund due to overpayments, early termination
of the Student Borrower’s enrollment or otherwise. I also authorize you to obtain from the Current Servicer(s), if applicable, all
amounts owed to me, including any refund due to overpayments and apply any such refund to the amount I owe under this
Credit Agreement.
2. To the extent permitted by law, and unless I am a Covered Borrower under the Military Lending Act, you have the right to
apply money from any of my deposit account(s) with you to pay all or a portion of any amount overdue under this Credit
Agreement.
M. ADDITIONAL AGREEMENTS:
1. Any approval, disbursement, or extension of credit as evidenced by this Credit Agreement occurs in the Commonwealth of
Virginia, where you are located. Except as otherwise expressly set forth in this Credit Agreement, the provisions of this Credit
Agreement, including the interest to be charged on the Loan, will be governed by federal law applicable to you and, to the extent
not preempted by federal law, the laws of the Commonwealth of Virginia without regard to its conflicts of law provisions;
provided, however, that if the Student Borrower is a permanent resident of the State of Texas as of the first Disbursement Date,
then with respect to the interest to be charged on the Loan, you will utilize the “weekly ceiling” from time to time in effect as
provided in the Texas Finance Code, Chapter 303, as amended. To the extent United States federal law permits a greater
amount of interest than is permitted under Texas law, you may rely on United States federal law instead of such Chapter 303, as
amended, for the purpose of determining the maximum amount permitted by applicable law. Additionally, to the extent permitted
by applicable law now or hereafter in effect, you may, at your option and from time to time, implement any other method of
computing the maximum lawful rate under such Chapter 303, as amended, or under other applicable law by giving notice, if
required, to me as provided by applicable law now or hereafter in effect.

SN.17-18.CSX1.20SC.0917 Page 9 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

2. The proceeds of this Loan may be used for the Student Borrower’s educational expenses at the School and, if applicable, to
pay off the Existing Private Student Loan(s). Neither the Student Borrower nor the Cosigner will receive any of the Loan
proceeds.
3. My responsibility for paying the Loan evidenced by this Credit Agreement is unaffected by the liability of any other person to
me or to you or by your failure to notify me that a required payment has not been made. Without losing any of your rights under
this Credit Agreement you may accept (a) late payments, (b) partial payments or (c) payments marked “paid in full” or with other
restrictions. You may delay, fail to exercise, or waive any of your rights on any occasion without losing your entitlement to
exercise the right at any future time, or on any future occasion. You will not be obligated to make any demand upon me, send me
any notice, present this Credit Agreement to me for payment or make protest of non-payment to me before suing to collect on
this Credit Agreement if I am in default, and to the extent permitted by applicable law, and unless I am a Covered Borrower under
the Military Lending Act, I hereby waive any right I might otherwise have to require such actions. I WILL NOT SEND YOU
PAYMENTS MARKED “PAID IN FULL”, “WITHOUT RECOURSE”, OR WITH OTHER SIMILAR LANGUAGE UNLESS THOSE
PAYMENTS ARE MARKED FOR SPECIAL HANDLING AND SENT TO THE ADDRESS IDENTIFIED FOR SUCH PAYMENTS
ON MY MONTHLY BILLING STATEMENT, OR TO SUCH OTHER ADDRESS AS I MAY BE GIVEN IN THE FUTURE.
4. I may not assign this Credit Agreement or any of its benefits or obligations. You may assign this Credit Agreement and any
amounts owed on my Loan at any time. I understand that you may obtain insurance to insure payment of the Loan upon default.
If any insurance company or any of its subsidiaries, affiliates or assignees is required under any insurance contract with you to
repay the Loan, such insurance company, subsidiary, affiliate or assignee will become the holder of this Credit Agreement and
have all the rights of the Lender to enforce this Credit Agreement. The terms of this Credit Agreement shall be binding upon me,
and upon my heirs, personal representatives and successors and shall inure to the benefit of you and your successors and
assigns.
5. The terms and conditions set forth in this Credit Agreement constitute the entire agreement between you and me.
6. If any provision of this Credit Agreement is held invalid or unenforceable, that provision shall be considered omitted from this
Credit Agreement without affecting the validity or enforceability of the remainder of this Credit Agreement.
7. A provision of this Credit Agreement may only be modified if jointly agreed upon in writing by you and me. Any modification will
not affect the validity or enforceability of the remainder of this Credit Agreement.
8. THIS IS A NON-NEGOTIABLE CONSUMER CREDIT AGREEMENT.
9. If this Credit Agreement is executed by more than one person, each of us agrees that the Student Borrower and Cosigner will
be jointly and severally liable on this Credit Agreement and that (a) this Credit Agreement may be executed in multiple
counterparts (copies), each of which shall be deemed an original, but all of which together shall constitute one and the same
document, and (b) any communication between you and any of us will be binding on all of us.
10. For purposes of this paragraph only, “I” and “me” refer to the Cosigner only. I intend to be treated as a principal of this Credit
Agreement and not as a surety. To the extent I may be treated as a surety by a court of law, I waive all notices to which I might
otherwise be entitled as such by law, and all suretyship defenses that might be available to me (including, without limitation,
contribution, subrogation and exoneration). I agree that the Student Borrower may agree to any forbearance, deferment or other
modification of the repayment schedule and that such agreement will be binding on me even if I am not notified of such
forbearance or modification. It shall not be necessary for you to resort to or exhaust your remedies against the Student Borrower
before calling upon me to make repayment.
11. All dollar amounts stated in this Credit Agreement are in United States Dollars. I will make all payments in United States
Dollars with no deduction for currency exchange.
12. The failure of the Student Borrower to complete an education program, including the education program paid for with this
Loan, will not relieve me of any of my obligations under this Credit Agreement.
13. I understand and agree that this Loan is an education loan and certify that the proceeds will be used only for costs
of attendance at the School, and, if applicable, to pay off any Existing Private Student Loan(s) that was used for
Qualified Higher Education Expenses at one or more “eligible educational institution(s)” as defined in Section 25A of
the Internal Revenue Code, which were schools eligible for aid under Title IV of the Higher Education Act of 1965 at the
time each such Existing Private Student Loan was made. I acknowledge that the requested Loan is subject to the
limitations on dischargeability in bankruptcy contained in Section 523 (a)(8) of the United States Bankruptcy Code
because this is a “qualified education loan” as defined in the Internal Revenue Code. This means that if, in the event of
bankruptcy that I may file or have filed against me, my other debts are discharged, I still have to pay this Loan in full
unless bankruptcy laws permit a discharge because of an undue hardship upon me and my dependents, if any.
14. I, the Student Borrower, acknowledge that the terms of this Loan may or may not be as favorable as the terms of my
Existing Private Student Loan(s). I agree to compare the terms of my Existing Private Student Loan(s) to the terms of
this Loan prior to signing this Credit Agreement. I understand that (a) by repaying my Existing Private Student Loan(s)
with this Loan, I may be changing the total cost of my Existing Private Student Loan(s) and that any borrower benefits
on the Existing Private Student Loan(s) will not transfer to this Loan, (b) if I am currently receiving a 6% interest rate
cap on my Existing Private Student Loan(s) pursuant to the Servicemembers Civil Relief Act, by choosing to refinance
such loan(s), that benefit will be discontinued to the extent not continued pursuant to certain state laws and (c) if the
Payoff Amount does not pay in full the entire balance(s) owed on my Existing Private Student Loan(s), the outstanding
balance(s) will remain my responsibility.

SN.17-18.CSX1.20SC.0917 Page 10 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

15. I authorize any school that the Student Borrower may attend and, if applicable, the Current Servicer(s), to release to you, and
any other persons designated by you, any requested information you deem to be pertinent to this Loan (e.g., enrollment status,
prior loan history, and current address).
16. I authorize you, and your agents to: (a) advise the School of the status of my application and the Loan, and payment history
of my Loan, (b) respond to inquiries from prior or subsequent lenders or holders with respect to my Credit Agreement and related
documents, (c) release information and make inquiries to the persons I have given you as references, for the purposes of
learning my current address and telephone number, (d) check my credit and employment history, including but not limited to
rechecking my credit if my application remains open over 120 days after I first submit it, and to answer questions about your
credit experience with me, and (e) disclose to the Student Borrower and/or the Cosigner, either in connection with this
transaction or any future transaction, any and all information (including status information and non-public personal information) of
the Student Borrower and/or the Cosigner provided in connection with this Credit Agreement.
17. Waiver by Lender. You waive (give up) any right to claim a security interest in any property to secure this Credit Agreement.
This does not affect any right to offset as a matter of law.
18. If I elect to return any pages of this Credit Agreement that require signature back to you either via fax, by uploading a
scanned copy by logging in to my online account and completing your document upload process, or by sending such pages to
you as an email attachment, and, in any case, keep the copy I signed, I understand that under applicable law the fax, emailed, or
scanned and uploaded copy you receive and accept will be an original of each such page for all purposes, including any lawsuit
to collect amounts I owe. You and I agree that all copies of this Credit Agreement (including the fax, emailed or uploaded scan
you receive and accept, if applicable, and the copy I retain), taken together, shall constitute a single original agreement and shall
supersede any prior credit agreement that I have received, signed, and/or sent to you relating to this Loan. I understand that
the Credit Agreement contains sensitive personal information and that email may not be a secure method of
transmission. I understand that if I send information that contains sensitive personal information via email, I will be
doing so at my own risk.
19. If I elect to sign electronically an electronic record of this Credit Agreement, then the following will apply as between Lender
and me: (a) Lender will keep a non-modifiable electronic record of this document and provide a copy to me upon request, (b) I
can download and/or print, and have downloaded and/or printed, a copy of this document for my records or notified the Lender to
mail me a copy of this document, and (c) the Lender’s electronic record of this document and any printout from that record shall
be an original for all purposes, including any lawsuit to collect amounts that I owe.
20. You may delay or forgo enforcing any of your rights or remedies under this Credit Agreement without losing them. If I am in
default, you are not obligated to make any demand on me, send me any notice, present this Credit Agreement to me for payment
or make protest to me of non-payment before suing to collect on this Credit Agreement. To the extent permitted by law, and
unless I am a Covered Borrower under the Military Lending Act, I hereby waive any right I might have to require such actions.
21. I understand that in the event of the Student Borrower’s Total and Permanent Disability, provided my Loan is not in default
due to non-payment, you may discharge this Loan if the Student Borrower applies for a Total and Permanent Disability discharge
and meets the eligibility requirements then in effect, as set forth on the Total and Permanent Disability discharge application form
that the Student Borrower requests directly from the Servicer. I further understand that such application will be reviewed
independently from any prior application submitted, and that, regardless of any prior discharge that you have granted due to the
Student Borrower’s Total and Permanent Disability, you may deny the application for a discharge to the extent that the Student
Borrower does not meet the eligibility requirements in effect at the time of my new Total and Permanent Disability discharge
application. If you have previously discharged any of the Student Borrower’s prior education or consolidation loan(s) due to Total
and Permanent Disability, I understand that this Loan may not be discharged unless the Student Borrower provides
documentation, as set forth on the discharge application, that the Student Borrower’s Total and Permanent Disability did not
occur until after the first Disbursement Date of this Loan.
N. ARBITRATION AGREEMENT: READ THIS AGREEMENT CAREFULLY AS IT WILL HAVE A SUBSTANTIAL IMPACT ON
HOW DISPUTES AND CLAIMS YOU AND I HAVE AGAINST EACH OTHER ARE RESOLVED.

THIS ARBITRATION AGREEMENT DOES NOT APPLY IF, AS OF THE DATE OF THIS AGREEMENT, I AM A COVERED
BORROWER UNDER THE FEDERAL MILITARY LENDING ACT. IF I WOULD LIKE MORE INFORMATION ABOUT
WHETHER I AM COVERED BY THE MILITARY LENDING ACT, IN WHICH CASE THIS ARBITRATION AGREEMENT DOES
NOT APPLY TO ME, I MAY CONTACT YOU AT 1-855-882-0281.

I HAVE A RIGHT TO REJECT THIS ARBITRATION AGREEMENT AS SET FORTH BELOW. If I do not reject this Arbitration
Agreement, for a Claim (as defined below) subject to arbitration, neither you nor I will have the right to: (1) have a court
or a jury decide the Claim; (2) engage in information gathering (discovery) to the same extent as in court; (3) participate
in a class action in court or in arbitration or act as a private attorney general in court or in arbitration; or (4) join or
consolidate a Claim with claims of any other person (other than any Cosigner(s)). The right to appeal is more limited in
arbitration than in court and typically there can be no appeal unless there was bias or misconduct in the arbitration or
there was a manifest disregard of the law. Other rights in court may be unavailable or limited in arbitration.

SN.17-18.CSX1.20SC.0917 Page 11 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

1. Definitions. As used in this Paragraph N:

“I” and “me” means the persons obligated to repay the Credit (as defined below).
“You”, “your”, and “yours” means: (a) the Lender; (b) any person(s) to whom the Credit is transferred or assigned; (c) any
Covered Provider (as defined below); (d) the parents, controlling persons, subsidiaries and affiliates of the companies in (a)-(c)
above; (e) the successors, assigns and predecessors of the companies in (a)-(d) above; and (f) the officers, directors and
employees of the companies in (a)-(e) above.
“Administrator” means JAMS, Inc. (“JAMS”), 1920 Main Street, Suite 300, Irvine, CA 92614, www.jamsadr.com, 1-800-352-5267.
The rules and forms of JAMS may be obtained by writing to the organization at the address listed above. If (and only if) JAMS is
unable or unwilling to serve as Administrator, the parties may agree upon another Administrator or, if they are unable to agree, a
court shall determine the Administrator. No company may serve as Administrator, without the consent of all parties, if it adopts or
has in place any formal or informal policy that is inconsistent with and purports to override the terms of this Arbitration
Agreement. The arbitration will proceed in accordance with this Arbitration Agreement and the Administrator's rules and
procedures including expedited procedures, but in the event of a conflict, the provisions of this Arbitration Agreement shall
control.
“Credit” means the Loan or other credit extension I am receiving under this Credit Agreement and any other loan or credit
extension I have received from you.
“Covered Provider” means any third party that provides any product or service in connection with the Credit if (and only if) I
assert a Claim against such third party in connection with a Claim asserted by me against you.
“Claim” means any claim, dispute or controversy between you and me, (other than any Excluded Claim or Proceeding as set
forth below), whether preexisting, present or future, which arises out of or relates to the Credit, this Credit Agreement or any
transaction conducted with you in connection with the Credit or this Credit Agreement. “Claim” has the broadest possible
meaning and includes initial claims, counterclaims, third-party claims and federal, state, local and administrative claims. It
includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation,
ordinance, common law and equity and includes claims for money damages and injunctive or declaratory relief. Upon my
demand or yours, Claims will be resolved by individual (not class or class-wide) binding arbitration in accordance with the terms
specified in this Arbitration Agreement. A party does not waive the right to require arbitration of a new Claim by bringing a Claim
in a lawsuit or failing to require arbitration of another Claim.
“Excluded Claim or Proceeding” means any of the following claims or proceedings, which will not be subject to this Arbitration
Agreement: (1) any dispute or controversy about the validity, enforceability, coverage or scope of this Arbitration Agreement or
any part thereof (including, without limitation, the Class Action Waiver set forth below and/or this sentence); all such disputes or
controversies are for a court and not an arbitrator to decide. However, any dispute or controversy that concerns the validity or
enforceability of the Credit Agreement as a whole is for the arbitrator, not a court, to decide; (2) any individual action brought by
me or you in small claims court or my state’s equivalent court, unless such action is transferred, removed, or appealed to a
different court; (3) any self-help or non-judicial remedy, including but not limited to acceleration of the Credit and/or set-off; (4)
any action involving recovery of the Credit in the event of a delinquency or default on the Credit; and (5) any individual action in
court by one party that is limited to preventing the other party from using a self-help remedy and that does not involve a request
for damages or monetary relief of any kind. The institution and/or maintenance of any such right, action or litigation shall not
constitute a waiver of the right of either of the parties to compel arbitration regarding any other dispute subject to arbitration
pursuant to this Arbitration Agreement.
"Notice Address" means, except as otherwise specified in this Arbitration Agreement, the address that must be used for giving
notices under this Arbitration Agreement. The initial Notice Address for me is the latest address you have in your files. The initial
Notice Address for you is: SunTrust Bank Legal Department, Attn: General Counsel-Arbitration Election, Mail Code 0643, 303
Peachtree Street N.E., 36th Floor, Atlanta, Georgia 30308, although you may give me notice at any time that you have changed
your Notice Address.
2. Governing Law. Notwithstanding any choice of law or other provision in this Credit Agreement, the parties agree and
acknowledge that this Arbitration Agreement evidences a transaction involving interstate commerce and that the Federal
Arbitration Act (Title 9 of the United States Code) (“FAA”) shall govern its interpretation and enforcement and proceedings
pursuant thereto. Any state Arbitration Act or Code, including any amendments thereto, of the state law governing this document
does not apply to this Credit Agreement or to any arbitration or award thereunder.
3. Arbitration Procedures. If you or I elect to arbitrate a Claim, the electing party must notify the other party in writing. This notice
can be given after the beginning of a lawsuit and can be given in papers filed in the lawsuit. Otherwise, a notice must be sent to
the Notice Address specified above. If such a notice is given, the Claim(s) described in the notice shall be resolved by individual
arbitration under this Arbitration Agreement and, to the extent consistent with this Arbitration Agreement, the applicable rules of
the Administrator then in effect. If a party files a lawsuit in court asserting Claim(s) that are subject to arbitration and the other
party files a motion to compel arbitration with the court which is granted, it will be the responsibility of the party prosecuting the
Claim(s) to commence the arbitration proceeding with an arbitration Administrator in accordance with this Arbitration Agreement
and the Administrator's rules and procedures.
A single arbitrator will be appointed by the Administrator and, unless the parties agree otherwise, must be a practicing attorney
with ten or more years of experience or a retired judge. The arbitrator will not be bound by judicial rules of procedure and
evidence that would apply in a court, nor by state or local laws that relate to arbitration agreements or proceedings. The arbitrator
will honor and enforce statutes of limitation and claims of privilege recognized under applicable law. In determining liability or
awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent with these rules and
SN.17-18.CSX1.20SC.0917 Page 12 of 21 LOAN ID: A1 10457193
COSIGNER COPY
 Terms and Conditions

regulations and the FAA, that would apply if the matter had been brought in court. The arbitrator may award any damages or
other relief or remedies permitted by applicable law. The arbitrator shall write a brief explanation of the grounds for the decision.
A judgment on the award may be entered by any court having jurisdiction.
4. Location and Costs. Any arbitration hearing that I attend will take place in a location that is reasonably convenient for me. For
Claims that total less than $75,000.00 and at my written request, you will pay all filing, hearing and/or other fees charged by the
Administrator and arbitrator to me for Claim(s) asserted by me in arbitration after I have paid an amount equivalent to the fee, if
any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial district in which I reside. If I have already
paid a filing fee for asserting the Claim(s) in court, I will not be required to pay that amount again. In addition, the Administrator
may have a procedure whereby I can seek a waiver of fees charged to me by the Administrator and arbitrator. You will always
pay any fees or expenses that we are required to pay by law or the Administrator’s rules or that we are required to pay for this
Arbitration Agreement to be enforced. The arbitrator will have the authority to award attorneys’ and expert witness fees and costs
to the extent permitted by either this Credit Agreement, the Administrator’s rules or applicable law. The arbitrator shall award me
my reasonable attorneys’ and expert witness fees and costs (a) if and to the extent I prevail on Claim(s) I assert against you in
an arbitration commenced by me or (b) to the extent required under applicable law for this Arbitration Agreement to be enforced.
5. CLASS ACTION WAIVER. Notwithstanding any other provision of this Credit Agreement, if either you or I elect to
arbitrate a Claim, neither you nor I will have the right: (a) to participate in a class action, private attorney general action
or other representative action in court or in arbitration, either as a class representative or class member; or (b) to join
or consolidate Claims with claims of any other persons. No arbitrator shall have authority to conduct any arbitration in
violation of this provision; provided, however, that the Class Action Waiver does not apply to any lawsuit or
administrative proceeding filed against you by a state or federal government agency even when such agency is seeking
relief on behalf of a class of borrowers including me. This means that you will not have the right to compel arbitration of
any claim brought by such an agency. The parties to this Credit Agreement acknowledge that the Class Action Waiver
is material and essential to the arbitration of any disputes between the parties and is nonseverable from this Arbitration
Agreement. If the Class Action Waiver is limited, voided or found unenforceable as to any Claim(s), then the parties’
Arbitration Agreement (except for this sentence) shall be null and void with respect to such Claim(s) (but not as to any
other Claim(s) that have been brought or are later brought), subject to the right to appeal the limitation or invalidation of
the Class Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be
arbitrated.
6. Effect of Arbitration Award. The arbitrator's award shall be final and binding on all parties, except for any right of appeal
provided by the FAA. However, if the amount of the Claim exceeds $50,000.00 or involves a request for injunctive or declaratory
relief that could foreseeably involve a cost or benefit to either party exceeding $50,000.00, any party can, within thirty (30) days
after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. The
panel shall reconsider anew any aspect of the initial award requested by the appealing party. The decision of the panel shall be
by majority vote. Reference in this Arbitration Agreement to “the arbitrator” shall mean the panel if an appeal of the arbitrator’s
decision has been taken. The costs of such an appeal will be borne in the same manner as the initial Claim as described in the
above paragraph titled “Location and Costs.” Any final decision of the appeal panel is subject to judicial review only as provided
under the FAA.
7. Notice and Cure; Special Payment. Prior to initiating a Claim, I may give you a written claim notice describing the basis of my
Claim and the amount I would accept in resolution of the Claim (“Claim Notice”), and a reasonable opportunity, not less than sixty
(60) days, to resolve the Claim. Such a Claim Notice must be sent to you by certified mail, return receipt requested, at SunTrust
Bank Legal Department, Attn: General Counsel-Claim Notice, Mail Code 0643, 303 Peachtree Street N.E., 36th Floor, Atlanta,
Georgia 30308. This is the sole and only method by which I can submit a Claim Notice. If (a) I submit a Claim Notice in
accordance with this Paragraph N.7 on my own behalf (and not on behalf of any other party); (b) I cooperate with you by
promptly providing the information you reasonably request; (c) you refuse to provide me with the relief I request; and (d) the
matter then proceeds to arbitration and the arbitrator subsequently determines that I was entitled to such relief (or greater relief),
I will be entitled to a minimum award of at least $7,500.00 (not including any arbitration fees and attorneys’ fees and costs to
which I will also be entitled). You encourage me to address all Claims I have in a single Claim Notice and/or a single arbitration.
Accordingly, this $7,500.00 minimum award is a single award that applies to all Claims I have asserted or could have asserted in
the arbitration, and multiple awards of $7,500.00 are not contemplated.
8. Continued Effect of Arbitration Agreement; Severability; Conflicts. Notwithstanding any other provision of this Credit
Agreement, to the extent permitted by applicable law, this Arbitration Agreement shall survive (a) any modification, extension or
forbearance of or under the Credit documents; (b) my full repayment of the Credit; (c) any sale or transfer of the Credit; (d) any
legal proceeding by you to collect a debt owed by me; (e) any bankruptcy (except where prohibited by bankruptcy law); (f) any
rescission by me or attempt by me to rescind the Credit pursuant to any applicable law; and (g) the termination, cancellation,
suspension or rejection of this Credit Agreement. If any portion of this Arbitration Agreement (other than the Class Action Waiver)
cannot be enforced, the rest of this Arbitration Agreement will continue to apply. In the event of a conflict between this Arbitration
Agreement and any applicable rules of JAMS or other Administrator used, the provisions of this Arbitration Agreement shall
control.
9. Right To Reject Arbitration Agreement. I may reject this Arbitration Agreement and therefore not be subject to being required
to resolve any claim, dispute or controversy by arbitration. To reject this Arbitration Agreement, I must send you written notice of
my decision so that you receive it at the address listed below within forty-five (45) days of the first disbursement of my Loan.
Such notice must include a statement that I wish to reject this Arbitration Agreement along with my name, address, account
SN.17-18.CSX1.20SC.0917 Page 13 of 21 LOAN ID: A1 10457193
COSIGNER COPY
 Terms and Conditions

name, account number and my signature and must be mailed to the SunTrust Bank Legal Department, Attn: Arbitration
Rejection, PO Box 4418, Mail Code 0643, Atlanta, GA 30302-4418. This is the sole and only method by which I can reject this
Arbitration Agreement and any attempt to reject this Arbitration Agreement through any other method or form of notice will be
ineffective. Rejection of this Arbitration Agreement will not affect any remaining terms of this Credit and will not result in any
adverse consequence to me or my Credit. I agree your business records will be final and conclusive with respect to whether I
rejected this Arbitration Agreement in a timely and proper fashion. This Arbitration Agreement will apply to me and you and
to my Credit unless I reject it by providing proper and timely notice as stated herein.
O. JURY TRIAL WAIVER: UNLESS I AM A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND/OR TO
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO ARBITRATION, YOU AND I
HEREBY KNOWINGLY, VOLUNTARILY, INTENTIONALLY AND IRREVOCABLY WAIVE THE RIGHT TO A TRIAL BY JURY IN
RESPECT TO ANY LITIGATION BASED HEREON OR ARISING OUT OF OR RELATED TO THIS CREDIT AGREEMENT OR
THE LOAN, OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN ME AND YOU.
P. CLASS ACTION WAIVER: UNLESS I AM A COVERED BORROWER UNDER THE MILITARY LENDING ACT AND/OR TO
THE EXTENT PERMITTED BY APPLICABLE LAW, FOR ANY MATTERS NOT SUBMITTED TO ARBITRATION, YOU AND I
HEREBY AGREE THAT ANY LITIGATION ARISING OUT OF, OR RELATING TO THIS CREDIT AGREEMENT OR THE LOAN,
OR ANY OTHER DISPUTE OR CONTROVERSY BETWEEN ME AND YOU, WILL PROCEED ON AN INDIVIDUAL BASIS AND
WILL NOT PROCEED AS PART OF A CLASS ACTION AND YOU AND I HEREBY KNOWINGLY, VOLUNTARILY,
INTENTIONALLY AND IRREVOCABLY WAIVE ANY RIGHT TO PROCEED IN A CLASS ACTION OR TO SERVE AS A CLASS
REPRESENTATIVE.
Q. DISCLOSURE NOTICES:
If the School is considered to be a business subject to the Federal Trade Commission rules, then the following notice applies to
me:
NOTICE
ANY HOLDER OF THIS CREDIT AGREEMENT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH I COULD ASSERT
AGAINST THE SCHOOL FOR THE SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY
ME SHALL NOT EXCEED AMOUNTS PAID BY ME HEREUNDER.
IF I CONSULTED THE SCHOOL’S FINANCIAL AID OFFICE IN CONNECTION WITH OBTAINING A LOAN TO FINANCE
HIGHER EDUCATION EXPENSES, THE SCHOOL INFORMED ME OF ALL AVAILABLE FINANCING OPTIONS UNDER
TITLE IV OF THE FEDERAL HIGHER EDUCATION ACT OF 1965, AS AMENDED, INCLUDING INFORMATION ON ANY
TERMS AND CONDITIONS OF AVAILABLE LOANS UNDER SUCH TITLE THAT ARE/WERE MORE FAVORABLE TO ME.
PHONE CONTACTS

1. On each phone number I give to you on this Credit Agreement, whether land line or cell phone, I consent to SunTrust
Bank, its affiliates, agents, and assignees of any of the forgoing parties contacting me at the number by calling, texting
or sending other electronic messages, from time to time, for any reason about my accounts with SunTrust Bank and its
affiliates, including but not limited to, for collection and payment purposes. I agree that automated dialing equipment or
prerecorded voice messages may be used for any of these purposes.

2. Providing my mobile telephone number(s) to you in the application process was voluntary and I was under no
obligation to do so. If I elected not to provide a mobile telephone number, it will not affect the consideration or
disposition of my account or application for a loan with you.

CALIFORNIA RESIDENTS: I have the right to prohibit the use of information contained in my credit file in connection with
transactions not initiated by me. I may exercise this right by notifying the consumer credit reporting agency. A married applicant
may apply for a separate account. If you take any adverse action as defined by Section 1785.3 of the California Civil Code and
the adverse action is based, in whole or in part, on any information contained in a consumer credit report, I have the right to
obtain within 60 days a free copy of my consumer credit report from the consumer reporting agency who furnished you my
consumer credit report and from any other consumer credit reporting agency which compiles and maintains files on consumers
on a nationwide basis. I have the right as described by Section 1785.16 of the California Civil Code to dispute the accuracy or
completeness of any information in a consumer credit report furnished by the consumer credit reporting agency.
CALIFORNIA AND UTAH RESIDENTS: I am hereby notified that a negative credit report reflecting on my credit record may be
submitted to a credit reporting agency if I fail to fulfill the terms of my credit obligations.
MARYLAND RESIDENTS: In Paragraph M.1, the Lender and I have agreed that this Credit Agreement is governed by federal
law and the laws of Virginia, without regard to conflict of laws rules. If any court should nevertheless determine that this Credit
Agreement is subject to Maryland laws concerning credit, then only to the extent that Maryland law applies, Lender and I agree
and elect that this Loan is made under and governed by Subtitle 10, Credit Grantor Closed End Credit Provisions, of Title 12 of
the Commercial Law Article of the Annotated Code of Maryland, except as preempted by federal law.

SN.17-18.CSX1.20SC.0917 Page 14 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

MISSOURI RESIDENTS: Oral agreements or commitments to loan money, extend credit or to forbear from enforcing
repayment of a debt including promises to extend or renew such debt are not enforceable. To protect me (Student
Borrower and Cosigner) and you (Lender) from misunderstanding or disappointment, any agreements we reach
covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement
between us, except as we may later agree in writing to modify it.
NEVADA RESIDENTS: This is a loan for study.
NEW JERSEY RESIDENTS: The section headings of this Credit Agreement are a table of contents and not contract terms.
Portions of this Credit Agreement with references to actions taken to the extent of applicable law apply to acts or practices that
New Jersey law permits or requires. In this Credit Agreement, acts or practices (i) by you which are or may be permitted by
“applicable law” are permitted by New Jersey law, and (ii) that may or will be taken by you unless prohibited by “applicable law”
are permitted by New Jersey law.
NEW YORK AND RHODE ISLAND RESIDENTS: A consumer report (credit report) may be obtained from a consumer-reporting
agency (credit bureau) in connection with this Loan. If I request (1) I will be informed whether or not consumer reports were
obtained, and (2) if reports were obtained, I will be informed of the names and addresses of the credit bureaus that furnished the
reports. If you agree to make this Loan to me, a consumer credit report may be requested or used in connection with renewals or
extensions of any credit for which I have applied, reviewing the Loan, taking collection action on the Loan, or legitimate purposes
associated with the Loan.
OHIO RESIDENTS: The Ohio laws against discrimination require that all creditors make credit equally available to all credit
worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The
Ohio Civil Rights Commission administers compliance with this law.
TEXAS RESIDENTS: This written loan agreement represents the final agreement between the parties and may not be
contradicted by evidence of prior, contemporaneous, or subsequent oral agreements of the parties. There are no unwritten oral
agreements between the parties. If I am in default, you may require me to pay the entire unpaid principal balance, and any
accrued interest at once. You don’t have to give me notice that you are demanding or intend to demand immediate payment of
all that I owe. Nothing in Paragraph K.2 of this Credit Agreement should be construed to conflict with the restriction of interest
and other charges assessed under this Credit Agreement to 18%.
UTAH RESIDENTS: The written agreement is a final expression of the agreement between the creditor and debtor and the
written agreement may not be contradicted by evidence of any alleged oral agreement.
WISCONSIN RESIDENTS: For married Wisconsin residents, my signature on this Credit Agreement confirms that this Loan
obligation is being incurred in the interest of my marriage or family. No provision of any marital property agreement (pre-marital
agreement), unilateral statement under Section 766.59 or court decree under Section 766.70 adversely affects the interest of the
Lender unless the Lender, prior to the time that the Loan is approved, is furnished with a copy of the agreement, statement, or
decree or has actual knowledge of the adverse provision when the obligation to the Lender is incurred. If the Loan for which I am
applying is granted, my spouse will also receive notification that credit has been extended to me.
R. STUDENT BORROWER’S AND COSIGNER’S CERTIFICATION: I certify under penalty of perjury under the laws of the
United States of America that all information I provided to you in connection with this Loan, including without limitation, the
information contained in this Credit Agreement, is true, complete, and correct to the best of my knowledge and belief, and is
made in good faith. I certify that the permanent address set forth on the Credit Agreement Information Page reflects the state in
which I am a permanent resident as of the date on which I sign this Credit Agreement. I understand that I am responsible for
repaying immediately any funds that I receive which are not to be used, or are not used, for educational expenses related to
attendance at the School for the academic period stated, or, if applicable, to pay off the Existing Private Student Loan(s). I certify
that I am not now in default on a Federal Perkins Loan, a Federal Stafford Loan, a Federally Insured Student Loan, a Federal
Supplemental Loan for Students (SLS), a Federal PLUS Loan, an Income Contingent repayment plan, a Federal Consolidation
Loan, a William D. Ford Federal Direct Loan, or any other education loan received for attendance at any school. The legal age
for entering into contracts is 18 years of age in every state in the United States except the following: Nebraska (19 years old for
wards of the state only), Alabama (19 years old), and Mississippi and Puerto Rico (21 years old). I certify that I either (a) meet
the applicable state age requirements to enter into contracts, or (b) am at least 17 years of age and have a Cosigner who is the
legal age of majority for entering into contracts.
Except as otherwise provided in Paragraph M.18 of this Credit Agreement, by signing this Credit Agreement, to the
extent permitted by applicable law, I hereby ratify, confirm, and acknowledge the validity of all prior credit agreements I
have signed with the Lender for this loan program, including those which I signed prior to reaching 18 years of age or
the applicable legal age for entering into contracts in my State. I intend and agree that all such credit agreements shall
be binding on me. The consideration for this affirmation is the new credit extended by the Lender to me under this
Credit Agreement. I understand and agree that my acceptance of any disbursements made under this Credit Agreement
constitutes my ratification of this Credit Agreement regardless of whether prior disbursements were made before I
reached 18 years of age or the applicable legal age for entering into contracts in my State. I understand and agree that
my request to change any of the terms of this Credit Agreement, including changes to the Deferment Period, the
Repayment Term, the Repayment Option, the Disbursement Date, or any other term constitutes my ratification of this
Credit Agreement, regardless of whether I signed this Credit Agreement prior to reaching 18 years of age or the
applicable legal age for entering into contracts in my state.

SN.17-18.CSX1.20SC.0917 Page 15 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Terms and Conditions

S. STATE-SPECIFIC COSIGNER NOTICES: For the purposes of the following notices only, the words “you” and “your” refer to
the Cosigner, where applicable, not to the Lender.
FOR OBLIGORS COSIGNING IN VERMONT:
NOTICE TO COSIGNER

YOUR SIGNATURE ON THIS CREDIT AGREEMENT MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF
THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

SIGNATURE PAGE(S) FOLLOWS ON NEXT PAGE.

SN.17-18.CSX1.20SC.0917 Page 16 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Notice to Cosigner
SUPPLEMENT TO CREDIT AGREEMENT for NEW YORK RESIDENTS
SunTrust Bank
200 Clarendon Street, 3rd Floor
Boston, MA 02116
866-232-3889
Co-borrower Name Randy W Lasut JR Date October 30, 2017
Address 207 Spruce Street
City, State ZIP Windber, PA 15963

Student Name Terry A Lasut

Student SS# 180-78-4226

Dear Randy W Lasut JR

Thank you for cosigning the education loan for the borrower referenced above. Please read the information below
which summarizes your responsibilities on this loan. New York State law requires that we deliver the following
notice to you.
NOTICE TO COSIGNER
You agree to pay the debt identified below although you may not personally receive any property, services or
money. You may be sued for payment although the person who receives the property, services or money is able to
pay. You should know that the ORIGINAL PRINCIPAL BALANCE listed below does not include finance charges
resulting from unpaid interest, delinquency, late charges, repossession or foreclosure costs, court costs or attorney’s
fees, or other charges that may be stated in the note or contract. You will also have to pay some or all of these costs
and charges if the note or contract, the payment of which you are guaranteeing, requires the borrower to pay such
costs and charges. If the debt identified below is ever in default, that fact may become part of your credit record.
This notice is not the note, contract or other writing that obligates you to pay the debt. Read that writing for the
exact terms of your obligation.

IDENTIFICATION OF DEBTS YOU MAY HAVE TO PAY

STUDENT/DEBTOR: Terry A Lasut

CREDITOR: SUNTRUST BANK

DATE: October 30, 2017

KIND OF DEBT: PRIVATE STUDENT LOAN

ORIGINAL PRINCIPAL BALANCE: $ $2,000.00

Sincerely,
Loan Originations
*The amount above represents the Original Principal Balance of the loan. The debt is an education loan, which may provide for payment deferral
while the student is enrolled. During this deferral period, interest on the principal balance continues to accrue and, unless prepayments of interest
and/or principal are made, will cause the unpaid balance of the loan to increase above the Original Principal Balance.

I have received a copy of this notice and each writing that obligates me or the Debtor on this debt.

____________________ XXXXX COSIGNER REFERENCE COPY – DO NOT SIGN XXXXX

_____________________________________
(Date) (Signature of Non-Student Cosigner)

Cosigner: If you are a resident of New York, please SIGN, DATE, and RETURN an original of this notice (by
mail, fax, scan and upload or email) with the Credit Agreement Signature Page and other requested
documents or sign electronically as directed in the online application. Please note that we do not recommend
sending documents that include your sensitive personal information such as your Social Security number via
email, as email may not be a secure method of transmission.

SN.17-18.CSX1.20SC.0917 Page 17 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Notice to Cosigner

SUPPLEMENT TO CREDIT AGREEMENT

for SOUTH CAROLINA RESIDENTS

You agree to pay the debt identified below although you may not personally receive the property, services, or
money. You may be sued for payment although the person who receives the property, services, or money is able to
pay.

This notice is not the note that obligates you to pay the debt.
Read the Loan Request/Credit Agreement for the exact terms of your obligation.

IDENTIFICATION OF DEBT YOU MAY HAVE TO PAY

Terry A Lasut 180-78-4226

(Name of Student Borrower) (Social Security Number of Student Borrower)

SunTrust Bank
(Name of Lender)

Private Education Loan $Will be disclosed to you

(Kind of Debt) (Amount of Loan)

I have received a copy of this notice.

____________________ XXXXX COSIGNER REFERENCE COPY – DO NOT SIGN XXXXX

______________________________________
(Date) (Signature of Non-Student Cosigner)

Cosigner: If you are a resident of South Carolina, please SIGN, DATE, and RETURN (by mail, fax, scan and
upload or email) an original of this notice with the Credit Agreement Signature Page and other requested
documents or sign electronically as directed in the online application. Please note that we do not recommend
sending documents that include your sensitive personal information such as your Social Security number via
email, as email may not be a secure method of transmission.

SN.17-18.CSX1.20SC.0917 Page 18 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Notice to Cosigner

SUPPLEMENT TO CREDIT AGREEMENT

FOR OBLIGORS COSIGNING IN WEST VIRGINIA:

NOTICE TO COSIGNER
You are being asked to guarantee this debt. Think carefully before
you do. If the borrower doesn’t pay the debt, you will have to. Be sure
you can afford to pay it if you have to, and that you want to accept this
responsibility. You may have to pay up to the full amount of the debt if
the borrower does not pay. You may also have to pay late fees or
collection costs, which increase this amount. The creditor can collect
this debt from you without first trying to collect from the borrower. The
creditor can use the same collection methods against you that can be
used against the borrower, such as suing you, garnishing your wages,
etc. If this debt is ever in default, that fact may become a part of your
credit record. This notice is not the contract that makes you liable for
the debt.

I have received a copy of this notice.

____________________ XXXXX COSIGNER REFERENCE COPY – DO NOT SIGN XXXXX

______________________________________
(Date) (Signature of Non-Student Cosigner)

Cosigner: If you are a resident of West Virginia, please SIGN, DATE, and RETURN an original of this notice
(by mail, fax, scan and upload, or email) with the Credit Agreement Signature Page and other requested
documents or sign electronically as directed in the online application. Please note that we do not recommend
sending documents that include your sensitive personal information such as your Social Security number via
email, as email may not be a secure method of transmission.

SIGNATURE PAGE FOLLOWS ON NEXT PAGE.

SN.17-18.CSX1.20SC.0917 Page 19 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Credit Agreement Signature Page

NON-NEGOTIABLE CREDIT AGREEMENT – THIS IS A CONSUMER CREDIT TRANSACTION

For purposes of the following notices, “you” means the Student Borrower and Cosigner, not the Lender.
FOR ALABAMA RESIDENTS: CAUTION – IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
FOR KANSAS RESIDENTS: NOTICE TO CONSUMER: 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT. 2. YOU ARE
ENTITLED TO A COPY OF THIS CREDIT AGREEMENT. 3. YOU MAY PREPAY THE UNPAID BALANCE AT ANY TIME WITHOUT
PENALTY.
FOR VERMONT RESIDENTS: BY SIGNING THIS CREDIT AGREEMENT, YOU CONSENT TO THE LENDER OBTAINING YOUR CONSUMER
REPORT FROM A CONSUMER REPORTING AGENCY IN CONNECTION WITH THIS TRANSACTION OR EXTENSION OF CREDIT FOR THE
PURPOSE OF REVIEWING YOUR LOAN ACCOUNT, FOR THE PURPOSE OF TAKING COLLECTION ACTION ON YOUR LOAN ACCOUNT,
OR FOR OTHER LEGITIMATE PURPOSES ASSOCIATED WITH YOUR LOAN ACCOUNT.
FOR WISCONSIN RESIDENTS: NOTICE TO CUSTOMER:
(a) DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ THE WRITING ON THE PRECEDING PAGES, EVEN IF OTHERWISE
ADVISED.
(b) DO NOT SIGN THIS CREDIT AGREEMENT IF IT CONTAINS ANY BLANK SPACES.
(c) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN.
(d) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE UNDER THIS CREDIT AGREEMENT AND YOU
MAY BE ENTITLED TO A PARTIAL REFUND OF THE FINANCE CHARGE.
This Credit Agreement may be assigned or sold to a third party, in which event the Lender promises that the new holder of the
Loan will honor all terms of this Credit Agreement, including all borrower benefits for which you become eligible during the
Repayment Term.

Federal and California Cosigner Notice

For the purposes of these Notices, the words “you” and “your” refer to the Cosigner, not the Lender.
NOTICE TO COSIGNER (Traduccion en Ingles Se Requiere Por La Ley):
You are being asked to guaranty this debt. Think carefully before you do. If the borrower doesn’t pay the debt, you will have to. Be
sure you can afford to pay if you have to, and that you want to accept this responsibility.
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or
collection costs, which increase this amount.
The holder of the loan can collect this debt from you without first trying to collect from the borrower. The holder of the loan can
use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc.
If this debt is ever in default, that fact may become part of your credit record.

This notice is not the contract that makes you liable for the debt.

AVISO PARA EL FIADOR (Spanish Translation Required by Law):

Se le está pidiendo que garantice esta deuda. Piénselo con cuidado antes de ponerse de acuerdo. Si la persona que ha pedido
este préstamo no paga la deuda, usted tendrá que pagarla. Esté seguro de que usted podrá pagar si sea obligado a pagarla y de
que usted desea aceptar la responsabilidad.
Si la persona que ha pedido el préstamo no paga la deuda, es posible que usted tenga que pagar la suma total de la deuda, mas
los cargos por tardarse en el pago o el costo de cobranza, lo cual aumenta el total de esta suma.
El acreedor (financiero) puede cobrarle a usted sin, primeramente, tratar de cobrarle al deudor. Los mismos metodos de
cobranza que pueden usarse contra el deudor, podran usarse contra usted, tales como presentar una demanda en corte, quitar
parte de su sueldo, etc. Si alguna vez no se cumpla con la obligación de pagar esta deuda, se puede incluir esa información en la
historia de credito de usted.

Este aviso no es el contrato mismo en que se le echa a usted la responsibilidad de la deuda.

SIGNATURE PAGE CONTINUES ON NEXT PAGE.

SN.17-18.CSX1.20SC.0917 Page 20 of 21 LOAN ID: A1 10457193

COSIGNER COPY
 Credit Agreement Signature Page
On this page, you must (1) accept the terms of the Loan as disclosed in the Approval Disclosure provided to you and (2)
execute this Credit Agreement. Separate signatures are required, as shown.

Private Education Loan Approval Disclosure – Acceptance of Terms

By signing below, I acknowledge that I have received, reviewed and accept the loan terms disclosed in the Approval Disclosure
that has been provided to me.

I understand that the Final Loan Amount may be different than the “Total Loan Amount” set forth on the Approval Disclosure
due to the amount certified by the School and/or, if applicable, the expiration of Payoff Documentation prior to the first
Disbursement Date, or accommodation of changes that I have requested. The Final Disclosure will reflect the Final Loan
Amount that will be disbursed in accordance with this Credit Agreement.
XXXXX COSIGNER REFERENCE COPY – DO NOT SIGN XXXXX XXXXX COSIGNER REFERENCE COPY – DO NOT SIGN XXXXX
Student Borrower Signature Cosigner Signature

Date Date

Credit Agreement Execution

By my signature, I certify that I have received a complete copy of this Credit Agreement and have read, understand and, subject
to my acceptance of a Private Education Loan Approval Disclosure (see Paragraph C.3 of this Credit Agreement), agree to the
terms of and undertake the obligations set forth on all pages of this Credit Agreement SN.17-18.CSX1.20SC.0917. I acknowledge
that I have received, reviewed, and understand the terms of the Private Education Loan Application and Solicitation Disclosure
provided to me at the time of my application. I understand that any person who knowingly makes a false statement or
misrepresentation on this form is subject to penalties, which may include fines or imprisonment. This Credit Agreement is
signed under seal. I agree that you (or your agents) may contact me at the phone number(s) listed above for account servicing
purposes. I understand that I am not required to fax, scan and upload, or send as an email attachment my signature on, or to
sign electronically, this Credit Agreement or any related notices that require signature. If I choose to fax or scan and upload or
email my signature on, or to sign electronically this Credit Agreement or any related notices that require signature, I intend: (a)
my faxed, scanned, emailed, or electronic signature to be an electronic signature under applicable federal and state law, (b) any
faxed, emailed, or scanned printout or printout of Lender’s electronic record of this Credit Agreement and related notices to be
an original document, and (c) to conduct business with the Lender by electronic records and electronic signatures. Please note
that we do not recommend sending documents that include your sensitive personal information such as your Social Security
number via email, as email may not be a secure method of transmission. I hereby certify that this Loan is an education loan and
certify that it will be used only for costs of attendance at the School and, if applicable, to pay off any Existing Private Student
Loan(s) that was used for Qualified Higher Education Expenses at one or more “eligible educational institution(s)” as defined in
Section 25A of the Internal Revenue Code, which were schools eligible for aid under Title IV of the Higher Education Act of 1965
at the time each such Existing Private Student Loan was made. I understand the lender and its assignees and agents are relying
on this certificate.

BY SIGNING THIS CREDIT AGREEMENT BELOW, I

CERTIFY THAT I INTEND TO (i) APPLY FOR JOINT CREDIT
AND (ii) BE JOINTLY LIABLE WITH THE STUDENT
BORROWER FOR THIS LOAN.

XXXXX COSIGNER REFERENCE COPY – DO NOT SIGN XXXXX XXXXX COSIGNER REFERENCE COPY – DO NOT SIGN XXXXX
Student Borrower Signature Cosigner Signature

Date Date

Version Number: 1

SN.17-18.CSX1.20SC.0917 Page 21 of 21 LOAN ID: A1 10457193

COSIGNER COPY
[Page Intentionally Left Blank]
 Notice to Cosigner
SUPPLEMENT TO CREDIT AGREEMENT for NEW YORK RESIDENTS
SunTrust Bank
200 Clarendon Street, 3rd Floor
Boston, MA 02116
866-232-3889
Co-borrower Name Randy W Lasut JR Date October 30, 2017
Address 207 Spruce Street
City, State ZIP Windber, PA 15963

Student Name Terry A Lasut

Student SS# 180-78-4226

Dear Randy W Lasut JR

Thank you for cosigning the education loan for the borrower referenced above. Please read the information below
which summarizes your responsibilities on this loan. New York State law requires that we deliver the following
notice to you.
NOTICE TO COSIGNER
You agree to pay the debt identified below although you may not personally receive any property, services or
money. You may be sued for payment although the person who receives the property, services or money is able to
pay. You should know that the ORIGINAL PRINCIPAL BALANCE listed below does not include finance charges
resulting from unpaid interest, delinquency, late charges, repossession or foreclosure costs, court costs or attorney’s
fees, or other charges that may be stated in the note or contract. You will also have to pay some or all of these costs
and charges if the note or contract, the payment of which you are guaranteeing, requires the borrower to pay such
costs and charges. If the debt identified below is ever in default, that fact may become part of your credit record.
This notice is not the note, contract or other writing that obligates you to pay the debt. Read that writing for the
exact terms of your obligation.

IDENTIFICATION OF DEBTS YOU MAY HAVE TO PAY

STUDENT/DEBTOR: Terry A Lasut

CREDITOR: SUNTRUST BANK

DATE: October 30, 2017

KIND OF DEBT: PRIVATE STUDENT LOAN

ORIGINAL PRINCIPAL BALANCE: $ $2,000.00

Sincerely,
Loan Originations
*The amount above represents the Original Principal Balance of the loan. The debt is an education loan, which may provide for payment deferral
while the student is enrolled. During this deferral period, interest on the principal balance continues to accrue and, unless prepayments of interest
and/or principal are made, will cause the unpaid balance of the loan to increase above the Original Principal Balance.

I have received a copy of this notice and each writing that obligates me or the Debtor on this debt.

____________________ _____________________________________
(Date) (Signature of Non-Student Cosigner)

Cosigner: If you are a resident of New York, please SIGN, DATE, and RETURN an original of this notice (by
mail, fax, scan and upload or email) with the Credit Agreement Signature Page and other requested
documents or sign electronically as directed in the online application. Please note that we do not recommend
sending documents that include your sensitive personal information such as your Social Security number via
email, as email may not be a secure method of transmission.

SN.17-18.CSX1.20SC.0917 LENDER COPY LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
[Page Intentionally Left Blank]
 Notice to Cosigner

SUPPLEMENT TO CREDIT AGREEMENT

for SOUTH CAROLINA RESIDENTS

You agree to pay the debt identified below although you may not personally receive the property, services, or
money. You may be sued for payment although the person who receives the property, services, or money is able to
pay.

This notice is not the note that obligates you to pay the debt.
Read the Loan Request/Credit Agreement for the exact terms of your obligation.

IDENTIFICATION OF DEBT YOU MAY HAVE TO PAY

Terry A Lasut 180-78-4226

(Name of Student Borrower) (Social Security Number of Student Borrower)

SunTrust Bank
(Name of Lender)

Private Education Loan $Will be disclosed to you

(Kind of Debt) (Amount of Loan)

I have received a copy of this notice.

____________________ ______________________________________
(Date) (Signature of Non-Student Cosigner)

Cosigner: If you are a resident of South Carolina, please SIGN, DATE, and RETURN (by mail, fax, scan and
upload or email) an original of this notice with the Credit Agreement Signature Page and other requested
documents or sign electronically as directed in the online application. Please note that we do not recommend
sending documents that include your sensitive personal information such as your Social Security number via
email, as email may not be a secure method of transmission.

SN.17-18.CSX1.20SC.0917 LENDER COPY LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
[Page Intentionally Left Blank]
 Notice to Cosigner

SUPPLEMENT TO CREDIT AGREEMENT

FOR OBLIGORS COSIGNING IN WEST VIRGINIA:

NOTICE TO COSIGNER
You are being asked to guarantee this debt. Think carefully before
you do. If the borrower doesn’t pay the debt, you will have to. Be sure
you can afford to pay it if you have to, and that you want to accept this
responsibility. You may have to pay up to the full amount of the debt if
the borrower does not pay. You may also have to pay late fees or
collection costs, which increase this amount. The creditor can collect
this debt from you without first trying to collect from the borrower. The
creditor can use the same collection methods against you that can be
used against the borrower, such as suing you, garnishing your wages,
etc. If this debt is ever in default, that fact may become a part of your
credit record. This notice is not the contract that makes you liable for
the debt.

I have received a copy of this notice.

____________________ ______________________________________
(Date) (Signature of Non-Student Cosigner)

Cosigner: If you are a resident of West Virginia, please SIGN, DATE, and RETURN an original of this notice
(by mail, fax, scan and upload, or email) with the Credit Agreement Signature Page and other requested
documents or sign electronically as directed in the online application. Please note that we do not recommend
sending documents that include your sensitive personal information such as your Social Security number via
email, as email may not be a secure method of transmission.

SIGNATURE PAGE FOLLOWS ON NEXT PAGE.

SN.17-18.CSX1.20SC.0917 LENDER COPY LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
[Page Intentionally Left Blank]
 Credit Agreement Information Page

NON-NEGOTIABLE CREDIT AGREEMENT – THIS IS A CONSUMER CREDIT TRANSACTION

LOAN PROGRAM INFORMATION
Academic Period: 08/2017-12/2017 Lender: SunTrust Bank
School I will attend*: Seton Hill University
Loan Program: Custom Choice Loan®
*The School does not endorse this loan and is not affiliated with the Lender. This loan will be made by the Lender, not the School.

LOAN PRODUCT INFORMATION

Loan Amount Requested: $2,000.00 Maximum Repayment Term (in months): 84
Initial Interest Rate**: 5.450% Interest Rate Margin: 4.2%
Repayment Option: Immediate Repayment (Start full payments immediately)
**Variable interest rate equals the One-Month LIBOR index plus the Interest Rate Margin (see Paragraph D.2).

STUDENT BORROWER INFORMATION (Must be old enough to enter into a binding contract)
Borrower Name: Terry A Lasut Social Security Number: 180-78-4226 Date of Birth: 11/15/1998
Email Address: t.lasut@setonhill.edu Permanent Address:
Borrower Citizenship: 231 Luie Lane,
______________________________________________________
Windber, PA 15963
______________________________________________________
Primary Telephone Number: (814) 691-4308
X US Citizen Alternative Telephone Number:

Permanent Resident Alien

Personal Reference Name: Diane Sendek
Other Personal Reference Address:
148 Clearview Height
___________________________________________________
Windber, PA 15963
___________________________________________________
Personal Reference Telephone Number: (814) 248-1482
The Student Borrower’s Personal Reference information cannot
match the Cosigner’s information or the Cosigner’s Personal
Reference information.
Existing Private Student Loan(s) Requested to Refinance (if applicable)
Listed below is each Existing Private Student Loan, if any, that the Student Borrower is requesting to refinance with this Loan,
along with the payoff amount (the total amount of principal, interest, and other amounts required to pay your loan(s) in full)
from the Payoff Documentation; or, if the Payoff Documentation has expired, the payoff amount(s) calculated based on the
most recent information that the Student Borrower provided. The Payoff Amount will be the amount set forth on your Final
Disclosure, based on all of the payoff information provided during the application process and may not include all the individual
payoff amounts listed below. Only Existing Private Student Loans that meet the definition of “qualified higher education
expenses” in Section 221 of the Internal Revenue Code are eligible to be refinanced. You acknowledge that in certain cases, the
Student Borrower’s requested Existing Private Student Loan(s) may not be paid off or may not be paid off in full with this Loan,
and the Student Borrower will remain obligated to make payments on those Existing Private Student Loans. See Paragraph A of
this Credit Agreement for definitions of capitalized terms.
Loan Servicer Account Number Interest Rate Payoff Amount

SN.17-18.CSX1.20SC.0917 Page 3 of 24 LOAN ID: A1

SN.17-18.CSX1.20SC.0917 LENDER COPY LOAN ID: A1 10457193

 COSIGNER INFORMATION (Must be old enough to enter into a binding contract)
Cosigner Name: Randy W Lasut JR Social Security Number: 180-68-6303 Date of Birth: 08/08/1987
Email Address: randylasut@yahoo.com Permanent Address:
Cosigner Citizenship: 207 Spruce Street
______________________________________________________
Windber, PA 15963
______________________________________________________
Primary Telephone Number: (814) 270-4239
X US Citizen Alternative Telephone Number:

Permanent Resident Alien Personal Reference Name Ronald Sheeler

Personal Reference Address:
1127 Miller Picking
_____________________________________________________
Davidsville, PA 15982
______________________________________________________
Personal Reference Telephone Number: (814) 242-0638
Employer Name: Conemaugh The Cosigner’s Personal Reference information cannot match the
Employer Telephone: (814) 534-9000 Student Borrower’s information or the Student Borrower’s
Personal Reference information.

Once you have carefully reviewed, signed and returned all documentation as set forth in the Instructions Checklist, we will
contact the school identified on the Credit Agreement Information Page to certify the Student Borrower’s enrollment status,
financial aid eligibility, and other pertinent information. We cannot approve your loan application if we do not receive this
information.

SN.17-18.CSX1.20SC.0917 LENDER COPY LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
 Credit Agreement Signature Page

NON-NEGOTIABLE CREDIT AGREEMENT – THIS IS A CONSUMER CREDIT TRANSACTION

For purposes of the following notices, “you” means the Student Borrower and Cosigner, not the Lender.
FOR ALABAMA RESIDENTS: CAUTION – IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT.
FOR KANSAS RESIDENTS: NOTICE TO CONSUMER: 1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT. 2. YOU ARE
ENTITLED TO A COPY OF THIS CREDIT AGREEMENT. 3. YOU MAY PREPAY THE UNPAID BALANCE AT ANY TIME WITHOUT
PENALTY.
FOR VERMONT RESIDENTS: BY SIGNING THIS CREDIT AGREEMENT, YOU CONSENT TO THE LENDER OBTAINING YOUR CONSUMER
REPORT FROM A CONSUMER REPORTING AGENCY IN CONNECTION WITH THIS TRANSACTION OR EXTENSION OF CREDIT FOR THE
PURPOSE OF REVIEWING YOUR LOAN ACCOUNT, FOR THE PURPOSE OF TAKING COLLECTION ACTION ON YOUR LOAN ACCOUNT,
OR FOR OTHER LEGITIMATE PURPOSES ASSOCIATED WITH YOUR LOAN ACCOUNT.
FOR WISCONSIN RESIDENTS: NOTICE TO CUSTOMER:
(a) DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ THE WRITING ON THE PRECEDING PAGES, EVEN IF OTHERWISE
ADVISED.
(b) DO NOT SIGN THIS CREDIT AGREEMENT IF IT CONTAINS ANY BLANK SPACES.
(c) YOU ARE ENTITLED TO AN EXACT COPY OF ANY AGREEMENT YOU SIGN.
(d) YOU HAVE THE RIGHT AT ANY TIME TO PAY IN ADVANCE THE UNPAID BALANCE UNDER THIS CREDIT AGREEMENT AND YOU
MAY BE ENTITLED TO A PARTIAL REFUND OF THE FINANCE CHARGE.
This Credit Agreement may be assigned or sold to a third party, in which event the Lender promises that the new holder of the
Loan will honor all terms of this Credit Agreement, including all borrower benefits for which you become eligible during the
Repayment Term.

Federal and California Cosigner Notice

For the purposes of these Notices, the words “you” and “your” refer to the Cosigner, not the Lender.
NOTICE TO COSIGNER (Traduccion en Ingles Se Requiere Por La Ley):
You are being asked to guaranty this debt. Think carefully before you do. If the borrower doesn’t pay the debt, you will have to. Be
sure you can afford to pay if you have to, and that you want to accept this responsibility.
You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or
collection costs, which increase this amount.
The holder of the loan can collect this debt from you without first trying to collect from the borrower. The holder of the loan can
use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages, etc.
If this debt is ever in default, that fact may become part of your credit record.

This notice is not the contract that makes you liable for the debt.

AVISO PARA EL FIADOR (Spanish Translation Required by Law):

Se le está pidiendo que garantice esta deuda. Piénselo con cuidado antes de ponerse de acuerdo. Si la persona que ha pedido
este préstamo no paga la deuda, usted tendrá que pagarla. Esté seguro de que usted podrá pagar si sea obligado a pagarla y de
que usted desea aceptar la responsabilidad.
Si la persona que ha pedido el préstamo no paga la deuda, es posible que usted tenga que pagar la suma total de la deuda, mas
los cargos por tardarse en el pago o el costo de cobranza, lo cual aumenta el total de esta suma.
El acreedor (financiero) puede cobrarle a usted sin, primeramente, tratar de cobrarle al deudor. Los mismos metodos de
cobranza que pueden usarse contra el deudor, podran usarse contra usted, tales como presentar una demanda en corte, quitar
parte de su sueldo, etc. Si alguna vez no se cumpla con la obligación de pagar esta deuda, se puede incluir esa información en la
historia de credito de usted.

Este aviso no es el contrato mismo en que se le echa a usted la responsibilidad de la deuda.

SIGNATURE PAGE CONTINUES ON NEXT PAGE.

SN.17-18.CSX1.20SC.0917 LENDER COPY LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
 Credit Agreement Signature Page
On this page, you must (1) accept the terms of the Loan as disclosed in the Approval Disclosure provided to you and (2)
execute this Credit Agreement. Separate signatures are required, as shown.

Private Education Loan Approval Disclosure – Acceptance of Terms

By signing below, I acknowledge that I have received, reviewed and accept the loan terms disclosed in the Approval Disclosure
that has been provided to me.

I understand that the Final Loan Amount may be different than the “Total Loan Amount” set forth on the Approval Disclosure
due to the amount certified by the School and/or, if applicable, the expiration of Payoff Documentation prior to the first
Disbursement Date, or accommodation of changes that I have requested. The Final Disclosure will reflect the Final Loan
Amount that will be disbursed in accordance with this Credit Agreement.
TERRY LASUT
Student Borrower Signature Cosigner Signature

11/04/2017
Date Date

Credit Agreement Execution

By my signature, I certify that I have received a complete copy of this Credit Agreement and have read, understand and, subject
to my acceptance of a Private Education Loan Approval Disclosure (see Paragraph C.3 of this Credit Agreement), agree to the
terms of and undertake the obligations set forth on all pages of this Credit Agreement SN.17-18.CSX1.20SC.0917. I acknowledge
that I have received, reviewed, and understand the terms of the Private Education Loan Application and Solicitation Disclosure
provided to me at the time of my application. I understand that any person who knowingly makes a false statement or
misrepresentation on this form is subject to penalties, which may include fines or imprisonment. This Credit Agreement is
signed under seal. I agree that you (or your agents) may contact me at the phone number(s) listed above for account servicing
purposes. I understand that I am not required to fax, scan and upload, or send as an email attachment my signature on, or to
sign electronically, this Credit Agreement or any related notices that require signature. If I choose to fax or scan and upload or
email my signature on, or to sign electronically this Credit Agreement or any related notices that require signature, I intend: (a)
my faxed, scanned, emailed, or electronic signature to be an electronic signature under applicable federal and state law, (b) any
faxed, emailed, or scanned printout or printout of Lender’s electronic record of this Credit Agreement and related notices to be
an original document, and (c) to conduct business with the Lender by electronic records and electronic signatures. Please note
that we do not recommend sending documents that include your sensitive personal information such as your Social Security
number via email, as email may not be a secure method of transmission. I hereby certify that this Loan is an education loan and
certify that it will be used only for costs of attendance at the School and, if applicable, to pay off any Existing Private Student
Loan(s) that was used for Qualified Higher Education Expenses at one or more “eligible educational institution(s)” as defined in
Section 25A of the Internal Revenue Code, which were schools eligible for aid under Title IV of the Higher Education Act of 1965
at the time each such Existing Private Student Loan was made. I understand the lender and its assignees and agents are relying
on this certificate.

BY SIGNING THIS CREDIT AGREEMENT BELOW, I

CERTIFY THAT I INTEND TO (i) APPLY FOR JOINT CREDIT
AND (ii) BE JOINTLY LIABLE WITH THE STUDENT
BORROWER FOR THIS LOAN.

TERRY LASUT
Student Borrower Signature Cosigner Signature

11/04/2017
Date Date

Version Number: 1

SN.17-18.CSX1.20SC.0917 LENDER COPY LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
 Fax Cover Sheet

For faster loan processing, please utilize this fax cover sheet for all faxed document submissions. The cover sheet
will ensure your loan documents are routed for processing in a timely manner.

Fax From:
Terry A Lasut
231 Luie Lane
Windber, PA 15963

Attention:
Loan Program Name: Custom Choice Loan®

Loan Processing

Document Submission

LOAN ID# A1- 10457193

Comments:

SN.17-18.CSX1.20SC.0917 LOAN ID: A1 10457193

SN_17-18_CSX1_20SC_0917_Lasut_A110457193_1_1509396797299.pdf
[Page Intentionally Left Blank]
 This space for lender use only
Private Education Loan OMB No. 1845-0101
Form Approved
Exp. Date 07-31-2019
Applicant Self-Certification

Important: Pursuant to Section 155 of the Higher Education Act of 1965, as amended, (HEA) and to satisfy the requirements of Section 128(e)(3)
of the Truth in Lending Act, a lender must obtain a self-certification signed by the applicant before disbursing a private education loan. The school is
required on request to provide this form or the required information only for students admitted or enrolled at the school. Throughout this Applicant Self-
Certification, "you" and "your" refer to the applicant who is applying for the loan. The applicant and the student may be the same person.

Instructions: Before signing, carefully read the entire form, including the definitions and other information on the following page. Submit the
signed form to your lender.

SECTION 1: NOTICES TO APPLICANT

• Free or lower-cost Title IV federal, state, or school student financial aid may be available in place of, or in addition to, a private education
loan. To apply for Title IV federal grants, loans and work-study, submit a Free Application for Federal Student Aid (FAFSA) available at
www.fafsa.ed.gov, or by calling 1-800-4-FED-AID, or from the school's financial aid office.
• A private education loan may reduce eligibility for free or lower-cost federal, state, or school student financial aid.
• You are strongly encouraged to pursue the availability of free or lower-cost financial aid with the school's financial aid office.
• The financial information required to complete this form can be obtained from the school's financial aid office. If the lender has provided this
information, you should contact your school's financial aid office to verify this information and to discuss your financing options.

SECTION 2: COST OF ATTENDANCE AND ESTIMATED FINANCIAL ASSISTANCE

If information is not already entered below, obtain the needed information from the school's financial aid office and enter it on the appropriate
line. Sign and date where indicated. See Section 5 for definitions of financial aid terms.

A. Student's cost of attendance for the period of enrollment covered by the loan 23322.71
B. Estimated financial assistance for the period of enrollment covered by the loan 44588
C. Difference between amounts A and B -21265.29
WARNING: If you borrow more than the amount on line C, you risk reducing your eligibility for free or lower-cost
federal, state, or school financial aid.

SECTION 3: APPLICANT INFORMATION

Enter or correct the information below.

Full Name and Address of School Seton Hill University Seton Hill Drive Greensburg, PA 15601-1599
Applicant Name (last, first, MI) LASUT, TERRY, A Date of Birth (mm/dd/yyyy) 11/15/1998
Permanent Street Address 231 LUIE LANE
City, State, Zip Code WINDBER, PA 15963
Area Code / Telephone Number Home (814) 691-4308 Other

E-mail Address t.lasut@setonhill.edu

Period of Enrollment Covered by the Loan (mm/dd/yyyy) From 2017-08-01 to 2017-12-01
If the student is not the applicant, provide the student’s name and date of birth.

Student Name (last, first, MI) Student Date of Birth (mm/dd/yyyy)

SECTION 4: APPLICANT SIGNATURE

I certify that I have read and understood the notices in Section 1 and, that to the best of my knowledge, the information provided on this form is true and
correct.

Signature of Applicant TERRY LASUT Date (mm/dd/yyyy) 11/04/2017

 SECTION 5: DEFINITIONS

Cost of attendance is an estimate of tuition and fees, room and board, transportation, and other costs for the period of enrollment covered by the loan,
as determined by the school. A student’s cost of attendance may be obtained from the school’s financial aid office.

Estimated financial assistance is all federal, state, institutional (school), private, and other sources of assistance used in determining eligibility for most
Title IV student financial aid, including amounts of financial assistance used to replace the expected family contribution. The student’s estimated financial
assistance is determined by the school and may be obtained from the school’s financial aid office.

A lender is a private education lender as defined in Section 140 of the Truth in Lending Act and any other person engaged in the business of securing,
making, or extending private education loans on behalf of the lender.

A period of enrollment is the academic year, academic term (such as semester, trimester, or quarter), or the number of weeks of instructional time for
which the applicant is requesting the loan.

A private education loan is a loan provided by a private education lender that is not a Title IV loan and that is issued expressly for postsecondary
education expenses, regardless of whether the loan is provided through the school that the student attends or directly to the borrower from the private
education lender. A private education loan does not include (1) An extension of credit under an open-end consumer credit plan, a reverse mortgage
transaction, a residential mortgage transaction, or any other loan that is secured by real property or a dwelling; or (2) An extension of credit in which the
school is the lender if the term of the extension of credit is 90 days or less or an interest rate will not be applied to the credit balance and the term of the
extension of credit is one year or less, even if the credit is payable in more than four installments.

Title IV student financial aid includes the Federal Pell Grant Program, the Federal Supplemental Educational Opportunity Grant (FSEOG) Program,
the Federal Work-Study (FWS) Program, the William D. Ford Federal Direct Loan (Direct Loan) Program, the Federal Perkins Loan Program, and the
Teacher Education Assistance for College and Higher Education (TEACH) Grant Program. To apply for Title IV federal grants, loans, and work-study,
submit a Free Application for Federal Student Aid (FAFSA), which is available at www.fafsa.ed.gov, by calling 1-800-4-FED-AID, or from the school's
financial aid office.

SECTION 6: PAPERWORK REDUCTION NOTICE

Paperwork Reduction Notice: According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information
unless it displays a currently valid OMB control number. The valid OMB control number for this information collection is 1845-0101. The time required
to complete this information collection is estimated to average 0.25 hours (15 minutes) per response, including the time to review instructions, search
existing data resources, gather and maintain the data needed and complete and review the information collection.
If you have any comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: U.S.
Department of Education, Washington, DC 20202-4651.
If you have any comments or concerns regarding the status of your individual submission of this form, contact your lender.