NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1, A Delaware Statutory Trust v. LARRY ELLIS

IN THE DISTRICT COURT OF CADDODB COUNTY STATE OF OKLAHOMA NATIONAL COLLEGIATE STUDENT LOAN, Trust 2004-1 A Delaware Statutory Trust Plaintiff, vs. LARRY ELLIS, Defendant. PETITION FOR INDEBTEDNESS COMES NOW the Plaintiff, by and through its undersigned attorneys who hereby enter their appearance herein, and for its cause of action against the Defendant alleges and states as follows: 1. Defendant executed a contract with BANK ONE, NA (OHIO) for an educational loan with an account number of XXXXXXXXXX1079-001-PHEA. 2. Defendant's credit agreement was assigned to Plaintiff. 3. Defendant defaulted on the obligations required under the contract. 4. The Defendant remains indebted to the Plaintiff in the amount of $2,488.55, inclusive of credits, adjustments, interest, and fees, if applicable. An Affidavit of Account and/or contract is attached hereto and incorporated by reference. WHEREFORE, Plaintiff prays for Judgment against the Defendant in the sum of $2,488.55, with interest at the statutory rate, all court costs, and for such other relief as the Court may deem just and proper. William L. Nixon, Jr., #012804 Harley L. Homjak, #019736 Jenifer A Gani, #021876 Mariah Ellicott, #36309 Benjamin F. Brackett, #36580 Daniela Westfahl, #36242 Gracelyn Porras Dillingham, #35852 LOVE, BEAL & NIXON, P.C. Attorney for Plaintiff P.O. Box 32738 Oklahoma City, OK 73123 Telephone: 405/720-0565 Fax: 405/720-9570 E-Mail: [email protected] TRANSWORLD SYSTEMS INC ACCOUNT INFORMATION 12/23/2025 CBR #: 0001507457 REQ REF#: 531673 PRIMARY DEBTOR LARRY ELLIS 28325 REUTER RD W HINTON OK 73047-2258 CO-DEBITOR NOT ON AFFIDAVIT General Template CLIENT: NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1 ACCT: 446921079-001-PHEA PRINCIPAL: $2,488.55 INTEREST: $ 0.00 TOTAL SUM:$2,488.55 APPROVED BY: Patty Justice DATE: 1.9.2024 FIRM NAME:LOVE, BEAL & NIXON - OK NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1, A Delaware Statutory Trust Plaintiff v. LARRY ELLIS Defendant(s) Docket #: ________________________________ AFFIDAVIT AND VERIFICATION OF ACCOUNT STATE OF MASSACHUSETTS ) COUNTY OF PLYMOUTH ) BEFORE ME, the undersigned authority, personally appeared Affiant, Patty Justice, who being first duly sworn, deposes and states: 1. I am employed by Transworld Systems Inc. (hereinafter “TSI”), the appointed Subservicer for NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1, the Plaintiff, regarding account number XXXXX1079-001-PHEA, which is the educational loan that is the subject matter of this action (the “educational loan”). I am over the age of 18 and am competent and authorized by TSI in its role as Subservicer to make the statements herein regarding this educational loan through my review of the business records maintained by TSI as custodian of records. These records include electronic data that prior servicers of the educational loan provided to TSI related to the educational loan, and the business records created, maintained and attached to this Affidavit. 2. The statements made herein are based on my review of the loan records in the system of record maintained by TSI on behalf of Plaintiff. 3. TSI has been contracted to perform the duties of the Subservicer for Plaintiff by U.S. Bank, National Association, the Special Servicer of Plaintiff. As the current Subservicer for the Plaintiff, TSI is the designated custodian of defaulted loan records, including the educational loan. Additionally, TSI maintains the dedicated system of record for defaulted loans on behalf of Plaintiff of all electronic transactions pertaining to the educational loan, including, but not limited to, payments, credits, interest accrual and any other transactions that could impact the educational loan. Attached hereto as Exhibit “A” is a true and correct copy of a notification from U.S. Bank National Association acknowledging TSI’s capacity as Subservicer. 4. I have access to and training on the system of record utilized by TSI on behalf of Plaintiff to enter and maintain loan records and documentation relating to the educational loan. 5. American Education Services (“AES”) was the prior servicer of the educational loan. AES began servicing the loan upon the first disbursement of the loan until it was charged-off. 6. I have access to and training on the system of record utilized by AES to enter and maintain loan records and documentation relating to the educational loan. 7. I am familiar with the process by which TSI and AES, on behalf of Plaintiff, each receive loan records from the prior servicer and loan originator, respectively, including loan origination documents and data recording the electronic transactions pertaining to the educational loan, including, but not limited to, payments, credits, interest accrual and any other transactions that impact the educational loan. It is TSI’s regularly-conducted business practice to integrate these loan records into the system of record it has established and maintains on Plaintiff’s behalf. AES maintains loan records it keeps on behalf of Plaintiff and those loan records were electronically transferred by AES through a secure electronic file transfer, as part of AES’ regularly-conducted business practice, to TSI (or its predecessor). TSI regularly relies upon these integrated loan records in performance of its services on behalf of Plaintiff. 8. The records pertaining to the educational loan that are part of TSI’s records are created, compiled, recorded, and kept as part of regularly conducted business activity at or near the time of the event and from information transmitted by a person with personal knowledge of said event and a business duty to accurately report it, or from information transmitted by a person with personal knowledge of the accounts or events described within the business record. Such records are created, kept, maintained, and relied upon in the course of ordinary and regularly conducted business activity. 9. This lawsuit concerns an unpaid loan owed by LARRY ELLIS (“Defendant”) to Plaintiff. Specifically, Defendant entered into an educational loan agreement at Defendant's special instance and request. A loan was tendered for Defendant to use pursuant to the terms of the loan agreement and funds were disbursed on 05/19/2004. Attached hereto and incorporated as Exhibit “B” is a true and correct copy of the underlying Credit Agreement and Note Disclosure Statement. In the event the Defendant faxed the executed Credit Agreement, per its terms the Defendant agreed their facsimile/electronic signature is deemed to be an original. 10. As stated herein, the Defendant obtained an educational loan with Lender and funds were disbursed on 05/19/2004. See also, Exhibit “E”, transaction 0101A. The Defendant's educational loan was then transferred, sold and assigned to National Collegiate Funding, LLC, on 06/10/2004 for valuable consideration, along with other educational loans ("Loan Pool"), in the course of the securitization process. See Exhibit “E”, transaction 0395A. Defendant's educational loan was in good standing and not in default on 06/10/2004. Attached hereto and incorporated as Exhibit “C” is a true and correct copy of the Pool Supplement and a redacted excerpt of the Schedule of the Loan Pool described within the Pool Supplement showing that Defendant's loan was part of the Loan Pool. 11. On 06/10/2004, National Collegiate Funding, LLC transferred, sold and assigned the Loan Pool, including Defendant's educational loan, along with other pools of loans, to NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1 for valuable consideration, in the course of the securitization process. See Exhibit “E”, transaction 0390A. Defendant's educational loan was in good standing and not in default on 06/10/2004. Attached hereto and incorporated as Exhibit “D” is a true and correct copy of the Deposit and Sale Agreement with Schedule A listing each pool, including the Loan Pool. 12. Plaintiff last received payment on 01/03/2022 in the amount of $70.00. After applying all payments, credits and offsets, Defendant LARRY ELLIS owes the principal sum of $2,488.55, together with accrued interest in the amount of $.00, totaling the sum of $2,488.55 as of 12/23/2025. (a) Attached hereto and incorporated as Exhibit “E” is a true and correct copy of the Loan Financial Activity displaying loan data and events recorded by AES on behalf of Plaintiff and integrated into the system of records TSI maintains on Plaintiff’s behalf establishing the loan balance from 05/19/2004 (the first Disbursement) to 12/01/2022 (the “Charge Off Date”). (b) Attached hereto and incorporated as Exhibit “F” is a true and correct copy of the Deferment/Forbearance Summary displaying loan data and events recorded by AES on behalf of Plaintiff and integrated into the system of records TSI maintains on Plaintiff’s behalf showing any deferments or forbearances applied to the Defendant's educational loan once the Repayment Period (as defined in Exhibit "B") began (see ¶ C.4 in Exhibit "B"). (c) Attached hereto and incorporated as Exhibit "G" is a true and correct copy of the Repayment Schedule displaying loan data and events recorded by AES on behalf of Plaintiff and integrated into the system of record TSI maintains on Plaintiff's behalf demonstrating any repayment schedules associated with the loan. (d) Attached hereto and incorporated as Exhibit "H" is a true and correct reproduction of the Loan Payment History Report maintained by TSI on behalf of Plaintiff, which evidences the Defendant's educational loan balance from the Charge Off Date. As Exhibit "H" shows, interest (as authorized by Exhibit "B") has accrued on the Defendant's educational loan from 12/01/2022, and continues to accrue, at a variable rate based on the London Interbank Offered Rate ("LIBOR") adjusted periodically. See Exhibit "H" and Exhibit "B". [CONTINUED ON FOLLOWING PAGE] 13. Based on custodial records, Defendant is not a minor or incompetent. A reasonable inquiry has been made to determine if Defendant is in the military service of the United States of America, and to the best of my knowledge, Defendant is not in such military service and therefore not entitled to the rights and privileges provided under the Soldiers and Sailors Civil Relief Act of 1940, as amended. I declare under the penalty of perjury under the laws of the forum state that the foregoing is true and correct. FURTHER AFFIANT SAYETH NAUGHT. AFFIANT Print Name: Patty Justice Title: Director Legal Collections SWORN AND SUBSCRIBED to before me this 9th day of January 2026 NOTARY PUBLIC My Commission Expires on: 8.31.2029 Exhibit A National Collegiate Trust Date: 11/3/14 RE: National Collegiate Master Student Loan Trust-1 National Collegiate Student Loan Trust-2004-1 National Collegiate Student Loan Trust-2005-1 National Collegiate Student Loan Trust-2005-3 National Collegiate Student Loan Trust-2006-2 National Collegiate Student Loan Trust-2006-4 National Collegiate Student Loan Trust-2007-2 National Collegiate Student Loan Trust-2007-4 National Collegiate Student Loan Trust-2003-1 National Collegiate Student Loan Trust-2004-2 National Collegiate Student Loan Trust-2005-2 National Collegiate Student Loan Trust-2006-1 National Collegiate Student Loan Trust-2006-3 National Collegiate Student Loan Trust-2007-1 National Collegiate Student Loan Trust-2007-3 To whom it may concern: U.S. Bank, as Special Servicer for the above referenced Trust(s), confirms that Transworld Systems Inc. is Its Subservicer, authorized to file Proofs of Claim (POC) on behalf of the above Trust(s) with respect of student loans owned by the Trust(s). Transworld Systems Inc. Is also the dedicated record custodian with respect to all student loan accounts owned by the Trust(s) and Is fully authorized to execute affidavits regarding account documents, verify responses to discovery and provide testimony on behalf of the Trust(s). Any questions regarding the above referenced processes should be directed to Transworld Systems Inc. at 1-800-209-9161 Sincerely, U.S. Bank National Association As Special Servicer to the National Collegiate Student Loan Trust(s) [Signature] By: Brian C Tri Vice President Title Acknowledged; By: GSS Data Services, Inc. Not in its individual capacity and solely as administrator for and on behalf of the Trust(s) [Signature] By: Kenneth L. Ruggiero. President and CEO Title Exhibit B *Cosigned* Loan Request/Credit Agreement – Signature Page NON-NEGOTIABLE CREDIT AGREEMENT – THIS IS A CONSUMER CREDIT TRANSACTION LOAN PROGRAM INFORMATION Education One® Education One Undergraduate Loan Lender: Bank One, N.A. Academic Period: 06/2004-08/2004 School: SOUTHWESTERN OKLAHOMA STATE U Loan Amount Requested: $6500.00 Repayment Option: Deferred Principal and Interest Deferral Period Margin: 7.25 Repayment Period Margin: 7.25 Loan Origination Fee Percentage: 10.50 STUDENT BORROWER INFORMATION (Must be at least 18 years of age) Borrower Name: Andrea Mcsperritt Home Address: 214 N 5th Weatherford, OK 73096 Social Security #: [REDACTED]-6388 Date of Birth: [REDACTED]/1977 Home Telephone: [REDACTED]0215 Student Citizenship (check one box): ☑ U.S. Citizen ☐ Eligible Non-Citizen (Attach front & back copy of INS or student visa card) Note: Personal reference name and address cannot match that of the Cosigner. Personal Reference Name: Lacy D. Brummal Reference Home Tel #: [REDACTED] Work Tel #: Reference Street Address: Reference City/State/Zip: COSIGNER INFORMATION (Must be at least 18 years of age) Cosigner Name: Larry Ellis Home Address: Rt 2 Box 201 Hinton, OK 73047 Social Security #: [REDACTED]-1079 Date of Birth: [REDACTED]/1976 Home Telephone: [REDACTED]3820 Have you ever defaulted on a student loan or declared bankruptcy? ☐ No ☒ Yes Current Employer: Current Position: Services Years There: 9 Years Employer Telephone: Years at Previous Employment: Alimony, child support, or separate maintenance incomes do not have to be revealed if you do not want them considered for repaying this obligation. If you are relying on such additional income, please provide details on a separate sheet of paper. Cosigner Citizenship (check one box): ☑ U.S. Citizen ☐ Eligible Non-Citizen (Attach front & back copy of INS) Note: Personal reference name and address cannot match that of the Borrower. Personal Reference Name: Temy W Phillips Reference Home Tel #: [REDACTED] Work Tel #: Reference Street Address: Reference City/State/Zip: By my signature, I certify that I have read, understand and agree to the terms of and undertake the obligations set forth on all four (4) pages of this Loan Request/Credit Agreement EO.04-05.CSX1.10.0104 ("Credit Agreement"). 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 understand that I am not required to fax my signature on or to sign electronically this Credit Agreement and any related notices that require signature. If I choose to fax my signature on or to sign electronically this Credit Agreement and any related notices that require signature, I intend: (i) my fax or electronic signature to be an electronic signature under applicable federal and state law, (ii) any fax printout or printout of Lender's electronic record of this Credit Agreement and related notices to be an original document, (iii) to conduct business with the Lender by electronic records and electronic signatures, and (iv) that this Credit Agreement will not be governed by Article 3 of the Uniform Commercial Code, and my obligations under this Credit Agreement will not be subject to, but any transfer of my obligations will be subject to, Article 9 of the Uniform Commercial Code. I, the Cosigner, have read the applicable cosigner notice(s). FOR ALABAMA RESIDENTS: CAUTION – IT IS IMPORTANT THAT YOU THOROUGHLY READ THE CONTRACT BEFORE YOU SIGN IT. FOR WISCONSIN RESIDENTS: NOTICE TO CUSTOMER: (a) DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ THE WRITING ON THE FOLLOWING 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 AGREEMENT AND YOU MAY BE ENTITLED TO A PARTIAL REFUND OF THE FINANCE CHARGE. PLEASE SIGN BELOW – RETURN This Page With Proof of Income and Other Information (if applicable) – FAX TO: 800-704-9407 Signature of Borrower [signature] Date 5/12/104 BY SIGNING THIS CREDIT AGREEMENT BELOW, I CERTIFY THAT I INTEND TO (i) APPLY FOR JOINT CREDIT AND (ii) BE JOINTLY LIABLE WITH THE BORROWER FOR THIS LOAN. Signature of Cosigner [signature] Date 5/12/104 In this Credit Agreement, the words “I,” “me,” “my”, and “mine” mean each and every Borrower and Cosigner, individually and collectively, who signed this Credit Agreement. The words “your,” “your”, “yours,” and “Lender” mean Bank One, N.A., its successors and assigns, and any other holder of this Credit Agreement. “School” means the school named at the top of the first page of this Credit Agreement. A. PROMISE TO PAY: I promise to pay to your order, upon the terms and conditions of this Credit Agreement, all principal, interest and other charges set forth herein. B. LOAN DISCLOSURE STATEMENT: 1. By signing this Credit Agreement, and submitting it to you, I am requesting that you make this loan to me in an amount equal to the Loan Amount Requested plus any Loan Origination Fee described in Paragraph F of this Credit Agreement. When you receive my signed Application, you are not agreeing to lend me money. You have the right not to make a loan or to lend an amount less than I am requesting. I agree to accept an amount less than the Loan Amount Requested and to repay that portion of the Loan Amount Requested that you actually lend to me. 2. If you decide to make a loan to me, you will mail me the disbursement check (the “Disbursement Check”) and a statement disclosing certain information about the loan in accordance with the federal Truth-in-Lending Act (the “Disclosure Statement”). You have the right to disburse my Disbursement Check through an agent. At your option, you may also make any Disbursement Check co-payable to me and the Cosigner or to me and the School. In addition to other information, the Disclosure Statement will tell me the amount of my disbursement and the amount of the Loan Origination Fee. The Disclosure Statement is part of this Credit Agreement. Upon receipt of the Disclosure Statement, I will review the Disclosure Statement and notify you in writing if I have any questions. My endorsement of the Disbursement Check or allowing the loan proceeds to be used by or on behalf of the Student without objection will acknowledge receipt of the Disclosure Statement and my agreement to be legally bound by this Credit Agreement. 3. If I am not satisfied with the terms of my loan as disclosed in the Disclosure Statement, I may cancel my loan. To cancel my loan, I will give you a written cancellation notice, together with my unused Disbursement Check or, if I have already endorsed and delivered the Disbursement Check to the School, a good check, payable to you, in full amount of the Disbursement Check. In any event, I cannot cancel more than ten (10) days after I receive the Disclosure Statement. If I give notice of cancellation but do not comply with the requirements of this Paragraph B.3, this Credit Agreement will not be canceled and I will be in default of this Credit Agreement. (See Paragraph I.) C. DEFINITIONS: 1. “Disbursement Date” means the date shown on any Disbursement Check you prepare for me (not the date I endorse or negotiate my check). 2. The “Deferment Period” will begin on the Disbursement Date and end on the Deferment End Date. 3. “Deferment End Date” means the date specified below for the applicable loan program (the applicable loan program is stated on the first page of this Credit Agreement). (a) Education One Undergraduate Alternative Loan Program: If I have elected the “Immediate Repayment” option (the applicable repayment option is stated on the first page of this Credit Agreement), there is no Deferment Period, and my first payment will be 30-60 days after the disbursement of my loan. If I have elected the “Interest Only” repayment option (the applicable repayment option is stated on the first page of this Credit Agreement), then interest payments will begin 30-60 days after the disbursement of my loan, the “Deferment End Date” will be the date the Student graduates or ceases to be enrolled at least half-time in the School (or another school participating in this loan program), and principal and interest payments will begin 30-60 days after that date. In any event, if I have elected the “Interest Only” repayment option, the Deferment End Date will be no more than 5 years after the Disbursement Date. If I have elected the “Full Deferral” repayment option (the applicable repayment option is stated on the first page of this Credit Agreement), then the “Deferment End Date” will be 180 days after the Student graduates or ceases to be enrolled at least half-time in the School (or another school participating in this Loan Program). In any event, if I have elected the “Full Deferral” repayment option, the Deferment End Date will be no more than 5½ years after the Disbursement Date. (b) Education One Graduate Professional Education Loan Program: 180 days after the Student graduates or ceases for any other reason to be enrolled at least half-time in the School (or another school participating in this Loan Program), but no more than 4½ years after the Disbursement Date; provided, however, that if the Student begins a medical residency or internship during the Deferment Period, then the Deferment Period will end 180 days after the day the residency or internship ends, but no more than 8½ years after the Disbursement Date. 4. The “Repayment Period” begins the day after the Deferment Period ends, (or, if there is no Deferment Period, the day after the Disbursement Date). The Repayment Period is 20 years, unless monthly payments equal to the minimum monthly payment amount (See Paragraph E.4) will repay all amounts owed in less than 20 years, in which case the Repayment Period will be the number of months necessary to pay in full the amount I owe at the minimum payment. D. INTEREST: 1. Accrual – Beginning on the Disbursement Date, interest on the outstanding balance of this Credit Agreement will accrue each day (including holidays and other days you are closed) at the Variable Rate (Paragraph D.2) divided by the number of days in that calendar year. 2. Variable Rate – The “Variable Rate” is equal to the Current Index plus a Margin. The Margins for both the Deferment Period and the Repayment Period are shown on the first page of this Credit Agreement. In no event will the Variable Rate exceed the maximum interest rate allowed by the laws of the State of Ohio. The Variable Rate will change quarterly on the first day of each January, April, July and October (the “Change Date(s)” if the Current Index changes. The “Current Index” for any calendar quarter beginning on a Change Date (or for any shorter period beginning on the Disbursement Date and ending on the last day of a calendar quarter) is based on the London Interbank Offered Rate (“LIBOR”) as published in the “Money Rates” section of The Wall Street Journal. Each calendar quarter, the index will equal the average of the LIBOR rates published on the first business day of each of the three (3) calendar months immediately preceding such calendar quarter, rounded to the nearest one-hundredth percent (0.01%). If The Wall Street Journal was not published or if the LIBOR rate was not published on any one or more of the first business days of each of the three calendar months immediately preceding the calendar quarter, then the Current Index will be determined by using the immediately preceding Current Index. If on any first business day of a calendar month more than one LIBOR rate is published, then the highest rate published will be used to calculate the Current Index. If the LIBOR rate is no longer available, you will choose a comparable index. 3. Capitalization – If I have elected the “Full Deferral” repayment option (the applicable repayment option is stated on the first page of this Credit Agreement), I am not obligated to make any payments until the loan enters the Repayment Period. You will add unpaid accrued interest to the principal loan balance as of the last day of each calendar quarter (the last day of December, March, June and September) during the Deferment Period and at the end of my Deferment Period. Interest that is added to principal is called “Capitalized” interest. Capitalized interest will be treated as principal. In addition, if I am in default and the loan has been sold to TERI (see Section L.12), TERI may capitalize accrued and unpaid interest as of the date it purchases my loan. I understand that you will add all accrued and unpaid interest to the principal balance of my loan on the last day of the Deferment Period and at the end of any forbearance period. E. TERMS OF REPAYMENT: 1. Deferment Period – If I have elected either the “Interest Only” repayment option or the “Full Deferral” repayment option (the applicable repayment option is stated on the first page of this Credit Agreement), you will send me statements during the Deferment Period (showing the total outstanding principal balance of my loan and the interest that has accrued on my loan). You reserve the right to send statements or notices to either the Borrower or the Cosigner. Statements will be sent to the address shown on your records. If I have elected the “Interest Only” repayment option, I agree to make payments each month during the Deferment Period equal to the accrued interest on the outstanding balance of this Credit Agreement. If I have elected the “Full Deferral” repayment option I may, but am not required to make payments during the Deferment Period. You will add any interest that I do not pay during the Deferment Period to the principal balance, as described in Paragraph D.3. 2. Repayment Period – During the Repayment Period, you will send me monthly statements that show the amounts of minimum monthly payments and the payment due dates. You reserve the right to send monthly statements or coupon books to either the Borrower or the Cosigner. I will make consecutive monthly payments in amounts at least equal to such minimum monthly payments by the applicable payment due dates until I have paid all of the principal and interest and any other charges I may owe under this Credit Agreement. If my loan is in paid-ahead status, I may, but will not be required to make monthly payments. 3. Repayment Terms – My monthly payment will be established based on the rules in this Credit Agreement when my Repayment Period begins. My monthly payment amount will be calculated as of the day the Repayment Period begins (“Repayment Date”). It will be recalculated (a) once each year 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 amount of my monthly payment would not pay in full the accrued monthly interest on my loan, (c) following any subsequent deferment or forbearance period or (d) following any request by the Borrower to the servicer to change the monthly payment due date (each of which events is a new “Repayment Date”). As of any Repayment Date, my monthly payment will be recalculated. My new monthly payment amount will be disclosed to me by the servicer. The new monthly repayment amount will equal the amount necessary to pay in full, over the number of months remaining in the Repayment Period, 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 as calculated as of each Repayment Date. I understand that during the Repayment Period (and, if I have elected the “Interest Only” repayment option, during the period of interest payments) the servicer may change the monthly payment due date of future payments to a later 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. This change in monthly payment due date may result in the charging of additional interest in the month of the change, which I agree to pay. 4. Minimum Repayment – During the Repayment Period, my minimum payment will be at least $25 each month or the entire unpaid loan balance, whichever is less. I understand that I may pay more than my monthly payment at any time without penalty. or charge. If my loan is in paid-ahead status, I may, but will not be required to make monthly payments. 5. Amounts Owing at the End of the Repayment Period – Since interest accrues daily upon the unpaid principal balance of my loan, if I make payments after my payment due dates, I may owe additional principal, interest, and/or late fees at the end of the Repayment Period. If I have not paid my late fees, I will also owe additional amounts for those late fees. In such cases you will increase the amount of my last monthly payment to the amount necessary to repay my loan in full in a single payment. 6. Payments – Payments will be applied first to late fees and other fees and charges, then accrued interest, and the remainder to principal. If I have multiple loans processed by the servicer, and I submit a single payment that is not sufficient to pay all of the amounts I owe, such payment will be divided between or among the loans in accordance with applicable law and the servicer's customary procedures. 7. Other Charges - If any part of a monthly payment remains unpaid for a period of more than 15 days after the payment due date, I will pay a late fee not exceeding $5.00 or 5% of the overdue payment amount, whichever is less. I will pay only one late fee for any payment, regardless of the number of days it is late. To the extent permitted by law, I agree to pay you all amounts you incur in enforcing the terms of this Credit Agreement, including reasonable collection agency and attorney's fees and court costs and other collection costs. F. LOAN ORIGINATION FEE: You may charge me an Origination Fee. If you charge me, at the time you issue any disbursement to me, or on my behalf, you may add the Origination Fee to my loan amount. The dollar amount of any Loan Origination Fee will be determined by multiplying the sum of the Loan Origination Fee and the Loan Amount Requested, to the extent advanced to me, times the Loan Origination Fee Percentage shown on the first page of this Credit Agreement. The percentage would be higher if computed only on the amount advanced rather than the entire principal amount (Loan Origination Fee plus Loan Amount Requested). For example, a nominal Loan Origination Fee of 6.5% on the entire principal amount would equal 6.9519% of the amount advanced. The Loan Origination Fee will pay, if any, will be shown on my Disclosure Statement and will be added to the principal amount of my loan. To the extent permitted by law, and unless I timely cancel this Credit Agreement (see Paragraph B.3), I will not be entitled to a refund of any Loan Origination Fee after my Disbursement Check has been negotiated. G. RIGHT TO PREPAY: I have the right to prepay all or any part of my loan at any time without penalty or charge. H. FORBEARANCE: If I am unable to repay my 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. I understand that I will remain responsible for all interest accruing during any period of forbearance and that you will add any interest that I do not pay during any forbearance period to the principal balance, as described in Paragraph D.3. I. WHOLE LOAN DUE: To the extent permitted by applicable law, I will be in default if: (1) I fail to make any monthly payment to you when due, (2) I die, (3) I break any of my other promises in this Credit Agreement; (4) Any bankruptcy proceeding is begun by or against me, or I assign any of my assets for the benefits of my creditors, or (5) I make any false written statement in applying for this loan or any other student or education loan or at any time during the Deferment or Repayment Periods. I understand that if I default on my loan, disclosure of my loan information to consumer reporting agencies may adversely affect my credit rating. If I default, I will be required to pay interest on this loan accruing after default. The interest rate after default will be subject to adjustment in the same manner as before default. To the extent permitted by law, upon default, you will 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. Upon default, you may also capitalize any interest and fees (i.e., add accrued and unpaid interest and fees to the principal balance), and increase the Margin used to compute the Variable Rate by two percentage points (2%). J. NOTICES: 1. I will send written notice to the servicer authorized by you to service my loan account, or any subsequent holder of this Credit Agreement, within ten days after any change in my name, address, or enrollment status at the School (for example, if I withdraw from the School or transfer to another school participating in this loan program). I will send any notice that I give under this Credit Agreement to the servicer authorized by you (or authorized by any subsequent holder of this Credit Agreement) to service my loan account to the address the servicer provides. 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, if any. K. INFORMATION: 1. I must update any and all information related to this Credit Agreement or my loan application 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 (and about my spouse if I live in a community property state). L. ADDITIONAL AGREEMENTS: 1. I understand that you are located in OHIO and that this Credit Agreement will be entered into in the same state. CONSEQUENTLY, THE PROVISIONS OF THIS CREDIT AGREEMENT WILL BE GOVERNED BY FEDERAL LAW AND THE LAWS OF THE STATE OF OHIO, WITHOUT REGARD TO CONFLICT OF LAW RULES. 2. The proceeds of this loan will be used only for my educational expenses at the School. The Cosigner will not 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 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, I hereby waive any right I might otherwise have to require such actions. I WILL NOT SEND YOU PAYMENTS MARKED "PAID IN FULL", "WITHOUT RECOVERY" OR WITH OTHER SIMILAR LANGUAGE UNLESS THOSE PAYMENTS ARE MARKED FOR SPECIAL HANDLING AND SENT TO THE ADDRESS IDENTIFIED FOR SUCH PAYMENTS ON MY 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 at any time. 5. The terms and conditions set forth in this Credit Agreement and Instructions and the Disclosure Statement 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. If I fax my Credit Agreement, I have read and understand the prohibition regarding changes in Paragraph L.16. 8. To the extent permitted by law, 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. If I am in default at any time (including but not limited to a situation where I give an improper cancellation notice), you may exercise on my behalf any right that I may have to receive a full or partial refund of payments made to the School. I authorize the School to pay any or all of such amounts directly to you upon receipt of notice from you that I am in default under this Credit Agreement. 9. The Borrower and the Cosigner each agrees that any communication between you and the Borrower or the Cosigner will be binding on the Borrower and the Cosigner. The Borrower and Cosigner intend to be treated as principals of this Credit Agreement and not as sureties. To the extent the Borrower or the Cosigner may be treated as a surety, the Borrower and the Cosigner waive all notices otherwise required or available by law, and all suretyship defenses that might be available (including, without limitation, contribution, subrogation and exoneration). The Cosigner agrees that the Borrower may agree to any forbearance or other modification of the repayment schedule and that such agreement will be binding on the Cosigner. It shall not be necessary for you to resort to or exhaust your remedies against the Borrower before calling upon the Cosigner to make repayment. 10. 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. 11. The Student's failure to complete the education program paid for with this loan will not relieve any Borrower of any obligation under this Credit Agreement. 12. 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. Specifically, I understand that you have purchased a guaranty of this loan, and that this loan is guaranteed by The Education Resources Institute, Inc. ("TERI"), a non-profit institution. 13. I authorize any School that I may attend to release to you, and any other persons designated by you, any requested information pertinent to this loan (e.g., enrollment status, prior loan history, and current address). 14. I authorize the Lender, any subsequent holder of this Credit Agreement, and their agents to: (1) advise the School of the status of my application and my loan, (2) respond to inquiries from prior or subsequent lenders or holders with respect to my Credit Agreement and related documents, (3) release information and make inquiries to the persons I have given as references, for the purposes of learning my current address and telephone number, (4) check my credit and employment history and to answer questions about their credit experience with me, and (5) disclose to TERI, the Borrower, and/or the Cosigner either in connection with this transaction or any future transaction all information (including status information and non-public personal information) of the Borrower and/or the Cosigner provided in connection with this Credit Agreement. 15. 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. 16. If I fax my signature(s) on the first page of this Credit Agreement back to you and keep the copy I signed, I understand that under federal law the fax you receive will be an original of the first page of this Credit Agreement and I will fax the first page upon request by Lender. I may NOT amend the Credit Agreement by making changes to the Signature Page, which are then faxed to Lender. If the Borrower faxes the Signature Page, and the Lender approves the application, you and I agree that all copies of this Credit Agreement (including the fax you receive and the copy I retain), taken together, shall constitute a single original agreement. 17. If any Borrower or Cosigner elects to sign electronically an electronic record of this Credit Agreement, then the following will apply as between Lender and such person: (a) Lender will keep a non-modifiable electronic record of this document and provide a copy to me upon request, (b) I can have 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. If I physically sign a copy of this document that has been electronically signed by any other Cosigner or Borrower, as between me and the Lender the copy I sign (and any fax of that copy I may send to Lender) will be an original. However, the electronic signature of another party to this Credit Agreement and the Lender’s electronic record of this document containing that signature will be as valid against me as an original, physical document that is physically signed by all parties. M. DISCLOSURE NOTICES ALL APPLICANTS: IMPORTANT FEDERAL LAW NOTICE— Important information about procedures for opening a new account: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. CALIFORNIA RESIDENTS ONLY: 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 ONLY: As required by California and Utah law, 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. (For purposes of the following two notices, the word “you” refers to the Borrower and the Cosigner, not the Lender.) IOWA RESIDENTS ONLY: If you are an Iowa resident and your amount financed is $25,000 or less, this is a consumer credit transaction. IOWA, KANSAS and NEBRASKA RESIDENTS: (For purposes of the following notice, the word “you” refers to the Borrower and the Cosigner, not the Lender.) 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 and may be entitled to receive a refund of unearned charges in accordance with law. MARYLAND RESIDENTS ONLY: You elect to make this loan pursuant to Subtitle 10 (Credit Grantor Closed End Credit provisions) of Title 12 of the Maryland Commercial Law Article only to the extent that such provisions are not inconsistent with your authority under 12 U.S.C. §85 and related regulations and interpretations, which authority you expressly reserve. MISSOURI RESIDENTS ONLY: ORAL AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR FORBEAR FROM ENFORCING REPAYMENT OF DEBT INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT ARE NOT ENFORCEABLE. TO PROTECT YOU (BORROWER(S)) AND US (CREDITOR) 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 YORK, RHODE ISLAND, and VERMONT RESIDENTS: I understand and agree that you may obtain a consumer credit report in connection with updates, renewals of extensions of any credit as a result of this application. If I ask, I will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. I also understand and agree that you may obtain a consumer credit report in connection with the review or collection of any loan made to me as a result of this application or for other legitimate purposes related to such loans. NEW JERSEY RESIDENTS ONLY: The section headings of this Note are a table of contents and not contract terms. Portions of this Note 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 Note, 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. OHIO RESIDENTS ONLY: 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. OKLAHOMA RESIDENTS ONLY: If I am in default and only if the total amount disbursed under this Note is greater than $3,600 (or any higher dollar amount established by law for the payment of such fees), I agree to pay the Lender’s attorney’s fees and court costs up to 15% of the unpaid debt. WISCONSIN RESIDENTS ONLY: For married Wisconsin residents, my signature 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 of the Wisconsin Statutes or court decree under Section 766.70 adversely affects your interest unless, prior to the time that the loan is approved, you are furnished with a copy of the marital property agreement, a statement or a decree or have actual knowledge of the adverse provision. If the loan for which I am applying is granted, I will notify you if I have a spouse who needs to receive notification that credit has been extended to me. N. BORROWER’S CERTIFICATION: I declare under penalty of perjury under the laws of the United States of America that the following is true and correct. I certify 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 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. 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 Loan, a Federal Consolidation Loan, a Federal Ford Direct Loan, or any other education loan received for attendance at any school. O. 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: For purposes of the following notice, the words “you” and “your” refer to any Cosigner, not to the Lender. “Note” means this Credit Agreement. NOTICE TO COSIGNER: YOUR SIGNATURE ON THIS NOTE 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. FEDERAL AND CALIFORNIA COSIGNER NOTICES For the purposes of these Notices, the words “you” and “your” refer to the Cosigner, not the Lender. NOTICE TO COSIGNER (Traducción en Ingles Se Requiere Por La Ley): 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 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 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, más 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 métodos de cobranza que pueden usarse contra el deudor, podrán 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 crédito de usted. Este aviso no es el contrato mismo en que se le echa a usted la responsabilidad de la deuda. NOTE DISCLOSURE STATEMENT $7,262.57 02084919 Loan No. Borrower(s) ANDREA MCSPERITT LARRY ELLIS Student: ANDREA MCSPERITT Date: MAY 19, 2004 Lender Name and Address: BANK ONE, NA (OHIO) 100 EAST BROAD STREET COLUMBUS, OH 43125 This disclosure statement relates to your Loan Note disbursed on MAY 19, 2004 Because your Loan is either being disbursed or entering repayment, or the repayment terms are being modified, the following information about your Loan is being given to you. <table> <tr> <th>ANNUAL PERCENTAGE RATE<br>The cost of your credit as a yearly rate.</th> <th>FINANCE CHARGE<br>The dollar amount the credit will cost you.</th> <th>Amount Financed<br>The amount of credit provided to you or on your behalf.</th> <th>Total of Payments<br>The amount you will have paid after you have made all payments scheduled.</th> </tr> <tr> <td>9.712%</td> <td>$9,892.00</td> <td>$6,500.00</td> <td>$16,392.00</td> </tr> </table> Your payment schedule will be: <table> <tr> <th>Number of Payments</th> <th>Amount of Payments</th> <th>When Payments are due</th> </tr> <tr> <td>240</td> <td>$68.30</td> <td>On the 20th day of each month beginning on 07/2005</td> </tr> </table> VARIABLE RATE: The Annual Percentage Rate, which is based on an index plus a margin, may increase during the term of the loan if the index rate increases. The index is (check one): [ ] Prime Rate Index Adjusted Monthly - The highest U.S. bank prime rate published in the "Money Rates" section of The Wall Street Journal on the last business day of each calendar month. [ ] Prime Rate Index Adjusted Quarterly - The highest U.S. bank prime rate published in the "Money Rates" section of The Wall Street Journal on the last business day of each calendar quarter. [X] LIBOR Index Adjusted Quarterly - The average of the one-month London Interbank Offered Rates published in the "Money Rates" section of The Wall Street Journal on the first business day of each of the three (3) calendar months immediately preceding the first day of each calendar quarter. Any increase in the index and the Annual Percentage Rate which occurs while principal payments are deferred will increase the amount of any current and all future payments. Any increase in the index and the Annual Percentage Rate which occurs while principal and interest payments are deferred will increase the amount of all future payments. Any increase in the index and the Annual Percentage Rate which occurs after you have begun to make principal and interest payments on your loan will increase the amount of your future principal and interest payments beginning with your next annual payment adjustment date. For example, assume you obtain a loan in your junior year, in the amount of $10,000, at an interest rate of 11%, and you defer principal and interest payments until after your graduation, and the repayment term of the loan is 20 years. If the interest rate increased to 12% on January 1st of your senior year, the interest which accrues while principal and interest payments are deferred will increase by $91.01, and your monthly principal and interest payments would increase by $9.37. SECURITY: You have given a security interest in all refunds or amounts owed to you at any time by the student's educational institution. Collateral securing other loans with the Lender may also secure this Loan. LATE CHARGES: If a payment is more than 15 days late, you may be charged $5.00 or 5% of the payment, whichever is less. If you default, Lender (or any subsequent holder or any subsequent holder of your Loan Note) may increase the margin used to compute the Annual Percentage Rate by two percentage points (2%). PREPAYMENT: If you pay off early, you will not have to pay a penalty. See your contract documents for any additional information about non-payment, default, any required repayment in full before the scheduled date, any security interest and prepayment refunds and penalties. Estimates: All numerical disclosures except the late payment disclosure are estimates. Principal Amount of Note (Amount Financed plus Prepaid Finance Charge) $7,262.57 Itemization of Amount Financed Amount paid to ANDREA MCSPERITT and $ ________ Amount paid to LARRY ELLIS $6,500.00 Total Amount Financed $6,500.00 Itemization of Prepaid Finance Charge Origination Fee $762.57 Total Prepaid Finance Charge(s) $762.57 Exhibit C POOL SUPPLEMENT BANK ONE, N.A. (EDUCATION ONE) This Pool Supplement (the "Supplement") is entered into pursuant to and forms a part of that certain Amended and Restated Note Purchase Agreement (the "Agreement") dated as of May 1, 2002, as amended or supplemented from the date of execution of the Agreement through the date of this Supplement, by and between The First Marblehead Corporation ("FMC") and Bank One, N.A. (Columbus, Ohio) (the "Program Lender"). This Supplement is dated as of June 10, 2004. Capitalized terms used in this Supplement without definitions have the meanings set forth in the Agreement. Article 1: Purchase and Sale. In consideration of the Minimum Purchase Price set forth in Schedule 1 attached hereto, the Program Lender hereby transfers, sells, sets over and assigns to The National Collegiate Funding LLC (the "Depositor"), upon the terms and conditions set forth in the Agreement (which are incorporated herein by reference with the same force and effect as if set forth in full herein), each EDUCATION ONE Loan described in the attached Schedule 2 (the "Transferred EDUCATION ONE Loans") along with all of the Program Lender's rights under the Guaranty Agreement relating to the Transferred EDUCATION ONE Loans. The Depositor in turn will sell the Transferred EDUCATION ONE Loans to The National Collegiate Student Loan Trust 2004-1 (the "Trust"). The Program Lender hereby transfers and delivers to the Depositor each EDUCATION ONE Note evidencing such EDUCATION ONE Loan and all Origination Records relating thereto, in accordance with the terms of the Agreement. The Depositor hereby purchases said EDUCATION ONE Notes on said terms and conditions. Article 2: Price. *** [Minimum Purchase Price information is on file with The First Marblehead Corporation.] Article 3: Representations and Warranties. 3.01. By Program Lender. The Program Lender repeats the representations and warranties contained in Section 5.02 of the Agreement for the benefit of each of the Depositor and the Trust and confirms the same are true and correct as of the date hereof with respect to the Agreement and to this Supplement. 3.02. By Depositor. The Depositor hereby represents and warrants to the Program Lender that at the date of execution and delivery of this Supplement by the Depositor: (a) The Depositor is duly organized and validly existing as a limited liability company under the laws of the State of Delaware with the due power and authority to own its properties and to conduct its business as such properties are currently owned and such business is presently conducted, and had at all relevant times, and has, the power, authority and legal right to acquire and own the Transferred EDUCATION ONE Loans. (b) The Depositor is duly qualified to do business and has obtained all necessary licenses and approvals in all jurisdictions in which the ownership or lease of property or the conduct of its business shall require such qualifications. (c) The Depositor has the power and authority to execute and deliver this Supplement and to carry out its respective terms; the Depositor has the power and authority to purchase the Transferred EDUCATION ONE Loans and rights relating thereto as provided herein from the Program Lender, and the Depositor has duly authorized such purchase from the Program Lender by all necessary action; and the execution, delivery and performance of this Supplement has been duly authorized by the Depositor by all necessary action on the part of the Depositor. (d) This Supplement, together with the Agreement of which this Supplement forms a part, constitutes a legal, valid and binding obligation of the Depositor, enforceable in accordance with its terms. (c) The consummation of the transactions contemplated by the Agreement and this Supplement and the fulfillment of the terms hereof do not conflict with, result in any breach of any of the terms and provisions of, or constitute (with or without notice or lapse of time) a default under, the governing instruments of the Depositor or any indenture, agreement or other instrument to which the Depositor is a party or by which it is bound; or result in the creation or imposition of any lien upon any of its properties pursuant to the terms of any such indenture, agreement or other instrument; or violate any law or any order, rule or regulation applicable to the Depositor of any court or of any federal or state regulatory body, administrative agency or other governmental instrumentality having jurisdiction over the Depositor or its properties. (f) There are no proceedings or investigations pending, or threatened, before any court, regulatory body, administrative agency or other governmental instrumentality having jurisdiction over the Depositor or its properties: (i) asserting the invalidity of the Agreement or this Supplement, (ii) seeking to prevent the consummation of any of the transactions contemplated by the Agreement or this Supplement, or (iii) seeking any determination or ruling that is likely to materially or adversely affect the performance by the Depositor of its obligations under, or the validity or enforceability of the Agreement or this Supplement. Article 4: Cross Receipt. The Program Lender hereby acknowledges receipt of the Minimum Purchase Price. The Depositor hereby acknowledges receipt of the Transferred EDUCATION ONE Loans included in the Pool. Article 5: Assignment of Origination, Guaranty and Servicing Rights. The Program Lender hereby assigns and sets over to the Depositor any claims it may now or hereafter have under the Guaranty Agreement, the Origination Agreement and the Servicing Agreement to the extent the same relate to the Transferred EDUCATION ONE Loans described in Schedule 2, other than any right to obtain servicing after the date hereof. It is the intent of this provision to vest in the Depositor any claim of the Program Lender relating to defects in origination, guaranty or servicing of the loans purchased hereunder in order to permit the Depositor to assert such claims directly and obviate any need to make the same claims against the Program Lender under this Supplement. [Remainder of Page Intentionally Left Blank] IN WITNESS WHEREOF, the parties have caused this Supplement to be executed as of the date set forth above. THE FIRST MARBLEHEAD CORPORATION By: ____________________________ Name: John A. Mupalo Title: Executive Vice President BANK ONE, N.A. (Columbus, Ohio) By: ____________________________ Name: _________________________ Title: ___________________________ THE NATIONAL COLLEGIATE FUNDING LLC By: GATE Holdings, Inc., Member By: ____________________________ Name: _________________________ Title: ___________________________ IN WITNESS WHEREOF, the parties have caused this Supplement to be executed as of the date set forth above. THE FIRST MARBLEHEAD CORPORATION By: _______________________________ Name: Title: BANK ONE, N.A. (Columbus, Ohio) By: Brad L. Connor Name: BRAD L. CONNOR Title: EVP THE NATIONAL COLLEGIATE FUNDING LLC By: GATE Holdings, Inc., Member By: _______________________________ Name: Title: IN WITNESS WHEREOF, the parties have caused this Supplement to be executed as of the date set forth above. THE FIRST MARBLEHEAD CORPORATION By:________________________________________ Name: Title: BANK ONE, N.A. (Columbus, Ohio) By:________________________________________ Name: Title: THE NATIONAL COLLEGIATE FUNDING LLC By: GATE Holdings, Inc., Member By: ____________________________ Name: Bruce F. Lafenfeld Title: Vice President SCHEDULE 1 Minimum Purchase Price See supplemental loan roster CD. SCHEDULE 2 Student Loans See supplemental loan roster CD. National Collegiate Trust Bank One <table> <tr> <th colspan="6">Asset Details</th> </tr> <tr> <th>FMC Loan Identifier</th> <th>Borrower SSN</th> <th>Servicer Sequence (if applicable)</th> <th>Margin</th> <th>G Fee to Borrower</th> </tr> <tr> <td>00788967</td> <td>[REDACTED]6388</td> <td>0001</td> <td>7.25%</td> <td>10.50%</td> </tr> </table> NCSLT 2004-1 Final Reconciliation Roster <table> <tr> <th>Gross Outstanding Principal Purchased</th> <th>Outstanding Unpaid Interest Purchased</th> <th>Total Interest Capitalized on Loans</th> <th>Total Original Gross Disbursement</th> </tr> <tr> <td>$7,262.57</td> <td>$36.49</td> <td>$0.00</td> <td>$7,262.57</td> </tr> </table> Exhibit D DEPOSIT AND SALE AGREEMENT THE NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1 This Deposit and Sale Agreement (the "Sale Agreement"), dated as of June 10, 2004, between The National Collegiate Funding LLC, in its capacity as seller (in such capacity, the "Seller"), and The National Collegiate Student Loan Trust 2004-1, as purchaser (the "Purchaser"), shall be effective upon execution by the parties hereto. WHEREAS, the Seller is the owner of certain student loans; and WHEREAS, the Seller desires to sell its interest in such student loans and the Purchaser desires to purchase such loans from the Seller. NOW, THEREFORE, in connection with the mutual promises contained herein, the parties hereto agree as follows: ARTICLE I TERMS This Sale Agreement sets forth the terms under which the Seller is selling and the Purchaser is purchasing the student loans listed on Schedule 2 to each of the Pool Supplements set forth on Schedule A attached hereto (the "Transferred Student Loans"). ARTICLE II DEFINITIONS Capitalized terms used but not otherwise defined herein shall have the definitions set forth in Appendix A of the Indenture dated as of June 1, 2004 between U.S. Bank National Association (the "Indenture Trustee") and the Purchaser. ARTICLE III SALE AND PURCHASE Section 3.01. Sale of Loans. The Seller hereby sells and the Purchaser hereby purchases the Transferred Student Loans. Section 3.02. Assignment of Rights. The Seller hereby assigns to the Purchaser and the Purchaser hereby accepts all of the Seller's rights and interests under each of the Pool Supplements listed on Schedule A attached hereto and the related Student Loan Purchase Agreements listed on Schedule B attached hereto. Section 3.03. Settlement of the Payment. The Purchaser shall pay the Seller the purchase price set forth in Schedule 1 of each of the Pool Supplements by wire transfer in immediately available funds to the account specified by the Seller. In addition, the Purchaser will also issue the Class A-4 Notes, the Class A-IO-1 Notes and the Class A-IO-2 Notes to the Seller pursuant to the Indenture. Section 3.04. Assistance by Seller. Following the execution of this Sale Agreement, the Seller shall provide any reasonable assistance requested by the Purchaser in determining that all required documentation on the Transferred Student Loans is present and correct. ARTICLE IV REPRESENTATIONS, WARRANTIES AND COVENANTS OF SELLER Section 4.01. General. The Seller represents and warrants to the Purchaser that as of the date of this Sale Agreement: (a) The Seller is duly organized and existing under the laws of the State of Delaware; and (b) The Seller has all requisite power and authority to enter into and to perform the terms of this Sale Agreement. Section 4.02. Loan Representations. The Seller represents and warrants to the Purchaser that with respect to each Transferred Student Loan purchased by the Purchaser pursuant to this Sale Agreement, the Seller is making the same representations and warranties made by the respective program lender with respect to each Transferred Student Loan pursuant to the respective Student Loan Purchase Agreement listed on Schedule B attached hereto. Section 4.03. Covenants. The Seller, in its capacity as purchaser of the Transferred Student Loans pursuant to the Pool Supplements, hereby covenants that it will enforce the covenants and agreements of each program lender in the respective Student Loan Purchase Agreement and related Pool Supplement. The Seller further covenants that it will not waive, amend, modify, supplement or terminate any Student Loan Purchase Agreement or Pool Supplement or any provision thereof without the consent of the Purchaser, which consent the Purchaser hereby agrees not to provide without the prior written consent of the Indenture Trustee and the Interested Noteholders in accordance with the Purchaser's covenant in Section 3.07(c) of the Indenture. ARTICLE V PURCHASE OF LOANS; REIMBURSEMENT Each party to this Sale Agreement shall give notice to the other such parties and to the Servicers, First Marblehead Data Services, Inc. and Wachovia Trust Company, National Association (the "Owner Trustee") promptly, in writing, upon the discovery of any breach of the Seller's representations and warranties made pursuant to this Sale Agreement which has a materially adverse effect on the interest of the Purchaser in any Transferred Student Loan. In the event of such a material breach, the Seller shall cure or repurchase the Transferred Student Loan in accordance with the remedies set forth in the respective Student Loan Purchase Agreement. ARTICLE VI LIABILITY OF SELLER; INDEMNITIES The Seller shall be liable in accordance herewith only to the extent of the obligations specifically undertaken by the Seller under this Sale Agreement. (a) The Seller shall indemnify, defend and hold harmless the Purchaser and the Owner Trustee in its individual capacity and their officers, directors, employees and agents from and against any taxes that may at any time be asserted against any such Person with respect to the transactions contemplated herein and in the other Basic Documents (except any such income taxes arising out of fees paid to the Owner Trustee), including any sales, gross receipts, general corporation, tangible and intangible personal property, privilege or license taxes and costs and expenses in defending against the same. (b) The Seller shall indemnify, defend and hold harmless the Purchaser and the Owner Trustee in its individual capacity and their officers, directors, employees and agents of the Purchaser and the Owner Trustee from and against any and all costs, expenses, losses, claims, damages and liabilities arising out of, or imposed upon such Person through, the Seller's willful misfeasance, bad faith or gross negligence in the performance of its duties under this Sale Agreement, or by reason of reckless disregard of its obligations and duties under this Sale Agreement. Indemnification under this Section shall survive the termination of this Sale Agreement and shall include reasonable fees and expenses of counsel and expenses of litigation. If the Seller shall have made any indemnity payments pursuant to this Section and the Person to or for the benefit of whom such payments are made thereafter shall collect any of such amounts from others, such Person shall promptly repay such amounts to the Seller, without interest. ARTICLE VII MERGER OR CONSOLIDATION OF, OR ASSUMPTION OF THE OBLIGATIONS OF SELLER Any Person (a) into which the Seller may be merged or consolidated, (b) which may result from any merger or consolidation to which the Seller shall be a party or (c) which may succeed to the properties and assets of the Seller substantially as a whole, shall be the successor to the Seller without the execution or filing of any document or any further act by any of the parties to this Sale Agreement; provided, however, that the Seller hereby covenants that it will not consummate any of the foregoing transactions except upon satisfaction of the following: (i) the surviving Person, if other than the Seller, executes an agreement of assumption to perform every obligation of the Seller under this Sale Agreement, (ii) immediately after giving effect to such transaction, no representation or warranty made pursuant to this Sale Agreement shall have been breached, (iii) the surviving Person, if other than the Seller, shall have delivered an Officers' Certificate and an opinion of counsel each stating that such consolidation, merger or succession and such agreement of assumption comply with this Section and that all conditions precedent, if any, provided for in this Sale Agreement relating to such transaction have been complied with, and that the Rating Agency Condition shall have been satisfied with respect to such transaction, (iv) if the Seller is not the surviving entity, such transaction will not result in a material adverse federal or state tax consequence to the Purchaser or the Noteholders and (v) if the Seller is not the surviving entity, the Seller shall have delivered an opinion of counsel either (A) stating that, in the opinion of such counsel, all financing statements and continuation statements and amendments thereto have been executed and filed that are necessary fully to preserve and protect the interest of the Purchaser in the Transferred Student Loans and reciting the details of such filings, or (B) stating that, in the opinion of such counsel, no such action shall be necessary to preserve and protect such interests. ARTICLE VIII LIMITATION ON LIABILITY OF SELLER AND OTHERS The Seller and any director or officer or employee or agent thereof may rely in good faith on the advice of counsel or on any document of any kind, prima facie properly executed and submitted by any Person respecting any matters arising hereunder (provided that such reliance shall not limit in any way the Seller's obligations under this Sale Agreement). The Seller shall not be under any obligation to appear in, prosecute or defend any legal action that shall not be incidental to its obligations under this Sale Agreement or the Student Loan Purchase Agreements, and that in its opinion may involve it in any expense or liability. ARTICLE IX SURVIVAL OF COVENANTS All covenants, agreements, representations and warranties made herein shall survive the consummation of the purchase of the Transferred Student Loans; provided, however, that to the extent any of the same relate to a corresponding covenant, agreement, representation or warranty contained in a Student Loan Purchase Agreement, the same shall survive to the extent that such corresponding covenant, agreement, representation or warranty survives the applicable Student Loan Purchase Agreement. All covenants, agreements, representations and warranties made or furnished pursuant hereto by or for the benefit of the Seller shall bind and inure to the benefit of any successors or assigns of the Purchaser, including the Indenture Trustee. This Sale Agreement may be changed, modified or discharged, and any rights or obligations hereunder may be waived, only by a written instrument signed by a duly authorized officer of the party against whom enforcement of any such waiver, change, modification or discharge is sought. The waiver by the Indenture Trustee, at the direction of the Noteholders (pursuant to the Indenture), of any covenant, agreement, representation or warranty required to be made or furnished by the Seller or the waiver by the Indenture Trustee, at the direction of the Noteholders (pursuant to the Indenture), of any provision herein contained shall not be deemed to be a waiver of any breach of any other covenant, agreement, representation, warranty or provision herein contained, nor shall any waiver or any custom or practice which may evolve between the parties in the administration of the terms hereof, be construed to lessen the right of the Indenture Trustee, at the direction of the Noteholders (pursuant to the Indenture), to insist upon the performance by the Seller in strict accordance with said terms. ARTICLE X COMMUNICATION AND NOTICE REQUIREMENTS All communications, notices and approvals provided for hereunder shall be in writing and mailed or delivered to the Seller or the Purchaser, as the case may be. Notice given in any such communication, mailed to the Seller or the Purchaser by appropriately addressed registered mail, shall be deemed to have been given on the day following the date of such mailing and shall be addressed as follows: If to the Purchaser, to: The National Collegiate Student Loan Trust 2004-1 c/o Wachovia Trust Company, National Association, as Owner Trustee One Rodney Square, 1st Floor 920 King Street Wilmington, Delaware 19801 Attention: Mr. Sterling C. Correia If to the Seller, to: The National Collegiate Funding LLC c/o First Marblehead Data Services, Inc. 230 Park Avenue, 10th Floor New York, NY 10169 Attention: Mr. Rob Baron with a copy to: First Marblehead Corporation The Prudential Tower 800 Boylston Street - 34th Floor Borton, MA 02199-8157 Attention: Mr. Richard P. Zermani or to such other address as either party shall have provided to the other parties in writing. Any notice required to be in writing hereunder shall be deemed given if such notice is mailed by certified mail, postage prepaid, or hand-delivered to the address of such party as provided above. ARTICLE XI AMENDMENT This Sale Agreement may be amended by the parties hereto without the consent of the related Noteholders for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of the Sale Agreement or of modifying in any manner the rights of such Noteholders; provided that such action will not, in the opinion of counsel satisfactory to the Indenture Trustee, materially affect the interest of any such Noteholder. In addition, this Sale Agreement may also be amended from time to time by the Seller and the Purchaser, with the consent of the Noteholders of Notes evidencing a majority of the Outstanding Amount of the Notes, for the purpose of adding any provisions to or changing in any manner or eliminating any of the provisions of this Sale Agreement or of modifying in any manner the rights of the Noteholders; provided, however, that no such amendment shall (a) increase or reduce in any manner the amount of, or accelerate or delay the time of, collections of payments with respect to Transferred Student Loans or distributions that shall be required to be made for the benefit of the Noteholders or (b) reduce the aforesaid percentage of the Outstanding Amount of the Notes, the Noteholders of which are required to consent to any such amendment, without the consent of all outstanding Noteholders. Promptly after the execution of any such amendment or consent (or, in the case of the Rating Agencies, five Business Days prior thereto), the Purchaser shall furnish written notification of the substance of such amendment or consent to the Indenture Trustee, and each of the Rating Agencies. It shall not be necessary for the consent of Noteholders pursuant to this Section to approve the particular form of any proposed amendment or consent, but it shall be sufficient if such consent shall approve the substance thereof. Prior to the execution of any amendment to this Sale Agreement, the Owner Trustee shall be entitled to receive and rely upon an opinion of counsel stating that execution of such amendment is authorized or permitted by this Sale Agreement, the Owner Trustee may, but shall not be obligated to, enter into any such amendment which affects the Owner Trustee's own rights, duties or immunities under this Sale Agreement or otherwise. ARTICLE XII ASSIGNMENT The Seller hereby assigns its entire right, title and interest as purchaser under this Sale Agreement and the Student Loan Purchase Agreement thereunder to the Purchaser as of the date hereof and acknowledges that the Purchaser will assign the same, together with the right, title and interest of the Purchaser hereunder, to the Indenture Trustee under the Indenture. ARTICLE XIII GOVERNING LAW THIS SALE AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF NEW YORK, INCLUDING SECTIONS 5-1401 AND 5-1402 OF THE NEW YORK GENERAL OBLIGATIONS LAW, BUT OTHERWISE WITHOUT REGARD TO CONFLICT OF LAW PRINCIPLES, AND THE OBLIGATIONS, RIGHTS AND REMEDIES OF THE PARTIES, HEREUNDER SHALL BE DETERMINED IN ACCORDANCE WITH SUCH LAWS. ARTICLE XIV LIMITATION OF LIABILITY OF OWNER TRUSTEE Notwithstanding anything contained herein to the contrary, this instrument has been executed by Wachovia Trust Company, National Association, not in its individual capacity but solely in its capacity as Owner Trustee of the Purchaser, and in no event shall Wachovia Trust Company, National Association in its individual capacity or any beneficial owner of the Purchaser have any liability for the representations, warranties, covenants, agreements or other obligations of the Purchaser hereunder, as to all of which recourse shall be had solely to the assets of the Purchaser. For all purposes of this Sale Agreement, in the performance of any duties or obligations of the Purchaser hereunder, the Owner Trustee shall be subject to, and entitled to the benefits of, the terms and provisions of Articles VIII, IX and X of the Trust Agreement. [Signature Pages Follow] IN WITNESS WHEREOF, the parties hereto have caused this Sale Agreement to be duly executed by their respective officers hereunto duly authorized, as of the day and year first above written. THE NATIONAL COLLEGIATE FUNDING LLC, as Seller By: GATE Holdings, Inc., Member By: ____________________________ Name: Bruce F. Refenfeld Title: Vice President THE NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1, as Purchaser By: Wachovia Trust Company, National Association, not in its individual capacity but solely as Owner Trustee By: ____________________________ Name: Title: Deposit and Sale Agreement IN WITNESS WHEREOF, the parties hereto have caused this Bill of Sale to be duly executed by their respective officers hereunto duly authorized, as of the day and year first above written. THE NATIONAL COLLEGIATE FUNDING LLC, as Seller By:____________________________________ Name: Title: THE NATIONAL COLLEGIATE STUDENT LOAN TRUST 2004-1, as Purchaser By: Wachovia Trust Company, National Association, not in its individual capacity but solely as Owner Trustee By:_____________________________________ Name: STERLING C. CORREIA Title: VICE PRESIDENT SCHEDULE A Pool Supplements Each of the following Pool Supplements was entered into by and among The First Marblehead Corporation, The National Collegiate Funding LLC and: • Bank of America, N.A., dated June 10, 2004, for loans that were originated under Bank of America’s BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 10, 2004, for loans that were originated under Bank of America’s Direct to Consumer Loan Program. • Bank One, N.A., dated June 10, 2004, for loans that were originated under Bank One’s CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated June 10, 2004, for loans that were originated under Bank One’s M&T REFERRAL Loan Program • Charter One Bank, N.A., dated June 10, 2004, for loans that were originated under the following Charter One programs: AES EducationGAIN Loan Program, (AMS) TuitionPay Diploma Loan Program, Brazos Alternative Loan Program, CFS Direct to Consumer Loan Program, Citibank Flexible Education Loan Program, College Loan Corporation Loan Program, Comerica Alternative Loan Program, Education Assistance Services Alternative Loan Program, ESF Alternative Loan Program, Extra Credit II Loan Program (North Texas Higher Education), M&I Alternative Loan Program, National Education Loan Program, Navy Federal Alternative Loan Program, NextStudent Alternative Loan Program, PNC Bank Resource Loan Program, SAF Alternative Loan Program, Southwest Loan Program and WAMU Alternative Student Loan Program. • Chase Manhattan Bank USA, N.A., dated June 10, 2004, for loans that were originated under Chase’s Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated June 10, 2004, for loans that were originated under Citizens Bank of Rhode Island’s Pennsylvania State University Undergraduate and Continuing Education Loan Program. • First National Bank Northeast, dated June 10, 2004, for loans that were originated under First National Bank Northeast’s CASL Undergraduate Loan Program. • GMAC Bank, dated June 10, 2004, for loans that were originated under GMAC Bank’s GMAC Alternative Loan Program. • HSBC Bank USA, N.A., dated June 10, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated June 10, 2004, for loans that were originated under The Huntington National Bank’s Huntington Education Loan Program. • National City Bank, dated June 10, 2004, for loans that were originated under National City Bank’s National City Loan Program. • SunTrust Bank, dated June 10, 2004, for loans that were originated under SunTrust Bank’s SunTrust Alternative Loan Program. SCHEDULE B Student Loan Purchase Agreements Each of the Note Purchase Agreements, as amended or supplemented, was entered into by and between The First Marblehead Corporation and: • Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America’s BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 1, 2002, for loans that were originated under Bank One’s CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One’s M&T REFERRAL Loan Program • Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One’s AES EducationGAIN Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s (AMS) TuitionPay Diploma Loan Program. • Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One’s Brazos Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One’s Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One’s College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One’s Comerica Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s Education Assistance Services Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s ESF Alternative Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One’s Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One’s M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One’s National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s Navy Federal Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 17, 2003, for loans that were originated under Charter One’s PNC Bank Resource Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One’s SAF Alternative Loan Program. • Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One’s Southwest Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s WAMU Alternative Student Loan Program. • Chase Manhattan Bank USA, N.A., dated September 30, 2003, for loans that were originated under Chase’s Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated October 1, 2002, for loans that were originated under Citizens Bank of Rhode Island’s Pennsylvania State University Undergraduate and Continuing Education Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast’s CASL Undergraduate Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank’s GMAC Alternative Loan Program. • HSBC Bank USA, N.A., dated April 17, 2002, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank’s Huntington Education Loan Program. • National City Bank, dated November 13, 2002, for loans that were originated under National City Bank’s National City Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank’s SunTrust Alternative Loan Program. Exhibit E ITS2C*****1079;; AES/PA VTAM KA22 TSX2D DATE 09/18/25 10:08:38 LOAN FINANCIAL ACTIVITY PAGE 1 OF 1 BORROWER SSN: ***-**-1079 NAME: ELLIS, LARRY 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALELN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 01 12/02/22 12/02/22 5003A 20.90CR 0.00 0.00 02 12/01/22 12/01/22 1030A 2,488.55CR 12.05 0.00 03 11/11/22 2601A 3.53 18.08 2,321.46 04 10/12/22 2601A 3.53 16.85 2,321.46 05 09/11/22 2601A 3.53 15.85 2,321.46 06 08/11/22 2601A 3.53 15.34 2,321.46 07 07/12/22 2601A 3.53 39.51 2,321.46 08 04/20/22 04/22/22 0291A 2,374.12 0.00 2,321.46 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C 6388;; AES/PA VTAM KA4H TSX2D DATE 09/18/25 10:18:04 LOAN FINANCIAL ACTIVITY PAGE 1 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 04/20/22 04/20/22 0496A 2,374.12CR 17.34 0.00 2 03/14/22 2601A 2.65 32.67 2,321.46 3 01/03/22 01/03/22 1010C 70.00CR 14.81 2,321.46 4 12/03/21 12/03/21 1010C 70.00CR 14.18 2,376.65 5 11/04/21 11/04/21 1010C 70.00CR 13.51 2,432.47 6 10/08/21 10/08/21 1010C 70.00CR 17.90 2,488.96 7 09/03/21 09/03/21 1010C 70.00CR 14.63 2,541.06 8 08/06/21 08/06/21 1010C 70.00CR 16.54 2,596.43 9 07/06/21 07/06/21 1010C 70.00CR 15.84 2,649.89 10 06/07/21 06/07/21 1010C 70.00CR 15.61 2,704.05 SELECTION ___ 03363 LOAN HAS BEEN DECONVERTED F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS206388; DATE 09/18/25 10:25:01 AES/PA VTAM KA5J TSX2D LOAN FINANCIAL ACTIVITY PAGE 2 OF 20 BORROWER SSN: -6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE TYPE AMOUNT ACCRUED BALANCE 1 05/10/21 05/10/21 1010C 1010C 70.00CR 18.74 2,758.44 2 04/07/21 04/07/21 1010C 1010C 70.00CR 18.55 2,809.70 3 03/06/21 03/06/21 1010C 1010C 70.00CR 17.72 2,861.15 4 02/04/21 02/04/21 1010C 1010C 70.00CR 17.43 2,913.43 5 01/06/21 01/06/21 1010C 1010C 70.00CR 18.33 2,966.00 6 12/07/20 12/07/20 1010C 1010C 70.00CR 17.40 3,017.67 7 11/09/20 11/09/20 1010C 1010C 70.00CR 19.58 3,070.27 8 10/09/20 10/09/20 1010C 1010C 70.00CR 23.23 3,120.69 9 09/04/20 09/04/20 1010C 1010C 70.00CR 9.56 3,167.46 10 08/21/20 08/21/20 1010C 1010C 73.00CR 31.84 3,227.90 SELECTION _____ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C6388:; Rocket TE Web Edition DATE 09/18/25 10:26:31 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 3 OF 20 BORROWER SSN: -6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>RE EFFECTIVE DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>07/06/20</td> <td>07/06/20</td> <td>1010C</td> <td>74.00CR</td> <td>26.89</td> <td>3,269.06</td> </tr> <tr> <td>2</td> <td>06/02/20</td> <td>06/02/20</td> <td>1010C</td> <td>73.00CR</td> <td>21.29</td> <td>3,316.17</td> </tr> <tr> <td>3</td> <td>05/07/20</td> <td>05/07/20</td> <td>1010C</td> <td>73.00CR</td> <td>19.96</td> <td>3,367.88</td> </tr> <tr> <td>4</td> <td>04/13/20</td> <td>04/14/20</td> <td>1010C</td> <td>74.00CR</td> <td>19.62</td> <td>3,420.92</td> </tr> <tr> <td>5</td> <td>03/21/20</td> <td>03/21/20</td> <td>1010C</td> <td>73.00CR</td> <td>39.17</td> <td>3,475.30</td> </tr> <tr> <td>6</td> <td>02/05/20</td> <td>02/05/20</td> <td>1010C</td> <td>72.00CR</td> <td>26.45</td> <td>3,509.13</td> </tr> <tr> <td>7</td> <td>01/06/20</td> <td>01/06/20</td> <td>1010C</td> <td>75.00CR</td> <td>31.59</td> <td>3,554.68</td> </tr> <tr> <td>8</td> <td>12/03/19</td> <td>12/03/19</td> <td>1010C</td> <td>73.00CR</td> <td>25.59</td> <td>3,598.09</td> </tr> <tr> <td>9</td> <td>11/06/19</td> <td>11/06/19</td> <td>1010C</td> <td>73.00CR</td> <td>32.58</td> <td>3,645.50</td> </tr> <tr> <td>10</td> <td>10/03/19</td> <td>10/03/19</td> <td>1010C</td> <td>74.00CR</td> <td>20.86</td> <td>3,685.92</td> </tr> </table> SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2O 6388;; DATE 09/18/25 10:27:17 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 4 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 09/12/19 09/13/19 1010C 72.00CR 38.17 3,739.06 2 08/05/19 08/05/19 1010C 72.00CR 17.32 3,722.89 3 07/19/19 07/19/19 1010C 71.00CR 47.29 3,827.57 4 06/03/19 06/03/19 1010C 75.00CR 36.40 3,851.28 5 04/29/19 04/30/19 1010C 73.00CR 7.40 3,889.88 6 04/22/19 04/22/19 1010C 72.00CR 49.40 3,955.48 7 03/06/19 03/06/19 1010C 73.00CR 27.37 3,978.08 8 02/08/19 02/08/19 1010C 73.00CR 34.01 4,023.71 9 01/07/19 01/07/19 1010C 72.00CR 33.75 4,062.70 10 12/06/18 12/06/18 1010C 73.00CR 31.83 4,100.95 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN DATE 09/18/25 10:28:03 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 5 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 11/06/18 11/06/18 1010C 71.00CR 36.37 4,142.12 2 10/03/18 10/04/18 1010C 70.00CR 28.68 4,176.75 3 09/06/18 09/07/18 1010C 71.00CR 36.36 4,218.07 4 08/03/18 08/06/18 1010C 70.00CR 31.30 4,252.71 5 07/05/18 07/05/18 1010C 71.00CR 31.65 4,291.41 6 06/05/18 06/05/18 1010C 70.00CR 30.72 4,330.76 7 05/07/18 05/07/18 1010C 70.00CR 35.24 4,370.04 8 04/04/18 04/04/18 1010C 70.00CR 27.14 4,404.80 9 03/09/18 03/09/18 1010C 70.00CR 31.45 4,447.66 10 02/07/18 02/08/18 1010C 70.00CR 39.05 4,486.21 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN AES/PA DATE 09/18/25 10:29:15 LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 6 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>REA EFFECTIVE DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>01/01/18</td> <td>01/02/18</td> <td>1010C</td> <td>70.00CR</td> <td>25.43</td> <td>4,517.16</td> </tr> <tr> <td>2</td> <td>12/08/17</td> <td>12/11/17</td> <td>1010C</td> <td>70.00CR</td> <td>30.99</td> <td>4,561.73</td> </tr> <tr> <td>3</td> <td>11/09/17</td> <td>11/13/17</td> <td>1010C</td> <td>70.00CR</td> <td>33.39</td> <td>4,600.74</td> </tr> <tr> <td>4</td> <td>10/09/17</td> <td>10/10/17</td> <td>1010C</td> <td>70.00CR</td> <td>33.01</td> <td>4,637.35</td> </tr> <tr> <td>5</td> <td>09/08/17</td> <td>09/11/17</td> <td>1010C</td> <td>70.00CR</td> <td>30.93</td> <td>4,674.34</td> </tr> <tr> <td>6</td> <td>08/10/17</td> <td>08/11/17</td> <td>1010C</td> <td>55.00CR</td> <td>28.95</td> <td>4,713.41</td> </tr> <tr> <td>7</td> <td>07/14/17</td> <td>07/14/17</td> <td>1010C</td> <td>70.00CR</td> <td>32.96</td> <td>4,739.46</td> </tr> <tr> <td>8</td> <td>06/13/17</td> <td>06/13/17</td> <td>1010C</td> <td>70.00CR</td> <td>23.34</td> <td>4,776.50</td> </tr> <tr> <td>9</td> <td>05/22/17</td> <td>05/22/17</td> <td>1010C</td> <td>70.00CR</td> <td>40.56</td> <td>4,823.16</td> </tr> <tr> <td>10</td> <td>04/14/17</td> <td>04/14/17</td> <td>1010C</td> <td>70.00CR</td> <td>33.85</td> <td>4,852.60</td> </tr> </table> SELECTION ___ ITS2C6388 DATE 09/18/25 10:29:30 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 7 OF 20 BORROWER SSN: -6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 03/13/17 03/13/17 1010C 70.00CR 35.81 4,888.75 2 02/07/17 02/07/17 1010C 70.00CR 15.97 4,922.94 3 01/23/17 01/23/17 1010C 70.00CR 52.06 4,976.97 4 12/05/16 12/05/16 1010C 70.00CR 7.49 4,994.91 5 11/28/16 11/28/16 1010C 70.00CR 36.65 5,057.42 6 10/25/16 10/26/16 1010C 70.00CR 46.43 5,090.77 7 09/12/16 09/13/16 1010C 67.94CR 29.27 5,114.34 8 08/16/16 08/16/16 1010C 67.94CR 37.08 5,153.01 9 07/13/16 07/14/16 1010C 67.94CR 32.88 5,183.87 10 06/13/16 06/13/16 1010C 67.94CR 41.82 5,218.93 SELECTION ____ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS20[REDACTED]6388; DATE 09/18/25 10:29:40 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 8 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 05/06/16 05/09/16 1010C 67.94CR 27.72 5,245.05 2 04/11/16 04/11/16 1010C 67.94CR 38.23 5,285.27 3 03/07/16 03/07/16 1010C 67.94CR 35.96 5,314.98 4 02/03/16 02/03/16 1010C 66.00CR 32.89 5,346.96 5 01/04/16 01/04/16 1010C 68.00CR 30.91 5,380.07 6 12/07/15 12/08/15 1010C 67.00CR 23.37 5,417.16 7 11/16/15 11/16/15 1010C 67.00CR 39.15 5,460.79 8 10/12/15 10/12/15 1010C 67.00CR 38.20 5,488.64 9 09/08/15 09/09/15 1010C 67.00CR 9.04 5,517.44 10 08/31/15 08/31/15 1010C 67.00CR 87.05 5,555.35 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C6388; DATE 09/18/25 10:29:55 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 9 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE Posted TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 06/15/15 06/15/15 1010C 67.00CR 0.00 5,555.35 2 06/15/15 06/15/15 1010C 67.00CR 39.05 5,622.35 3 05/12/15 05/13/15 1010C 67.00CR 41.53 5,650.30 4 04/06/15 04/06/15 1010C 67.00CR 24.36 5,675.77 5 03/16/15 03/16/15 1010C 67.00CR 73.06 5,712.35 6 01/12/15 01/12/15 1010C 67.08CR 0.00 5,712.35 7 01/12/15 01/12/15 1010C 67.08CR 41.24 5,779.43 8 12/08/14 12/08/14 1010C 67.08CR 37.90 5,805.27 9 11/06/14 11/07/14 1010C 67.08CR 35.72 5,834.45 10 10/07/14 10/08/14 1010C 67.08CR 33.49 5,865.81 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C6388;; AES/PA VTAM KA5J TSX2D DATE 09/18/25 10:30:03 LOAN FINANCIAL ACTIVITY PAGE 10 OF 20 BORROWER SSN: -6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>EFFECTIVE DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>09/09/14</td> <td>09/10/14</td> <td>1010C</td> <td>67.08CR</td> <td>34.87</td> <td>5,899.40</td> </tr> <tr> <td>2</td> <td>08/11/14</td> <td>08/12/14</td> <td>1010C</td> <td>67.08CR</td> <td>42.26</td> <td>5,931.61</td> </tr> <tr> <td>3</td> <td>07/07/14</td> <td>07/07/14</td> <td>1010C</td> <td>67.08CR</td> <td>34.03</td> <td>5,956.43</td> </tr> <tr> <td>4</td> <td>06/09/14</td> <td>06/09/14</td> <td>1010C</td> <td>67.08CR</td> <td>34.23</td> <td>5,989.48</td> </tr> <tr> <td>5</td> <td>05/12/14</td> <td>05/12/14</td> <td>1010C</td> <td>67.08CR</td> <td>38.08</td> <td>6,022.33</td> </tr> <tr> <td>6</td> <td>04/11/14</td> <td>04/14/14</td> <td>1010C</td> <td>67.08CR</td> <td>44.43</td> <td>6,051.33</td> </tr> <tr> <td>7</td> <td>03/06/14</td> <td>03/06/14</td> <td>1010C</td> <td>67.08CR</td> <td>34.75</td> <td>6,073.98</td> </tr> <tr> <td>8</td> <td>02/06/14</td> <td>02/07/14</td> <td>1010C</td> <td>67.20CR</td> <td>36.18</td> <td>6,106.31</td> </tr> <tr> <td>9</td> <td>01/08/14</td> <td>01/08/14</td> <td>1010C</td> <td>67.20CR</td> <td>33.93</td> <td>6,137.33</td> </tr> <tr> <td>10</td> <td>12/12/13</td> <td>12/13/13</td> <td>1010C</td> <td>67.20CR</td> <td>42.93</td> <td>6,170.60</td> </tr> </table> SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS206388;; AES/PA VTAM KA5J TSX2D DATE 09/18/25 10:30:17 LOAN FINANCIAL ACTIVITY PAGE 11 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT2C041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>REA EFFECTIVE DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>11/08/13</td> <td>11/11/13</td> <td>1010C</td> <td>67.20CR</td> <td>40.58</td> <td>6,194.87</td> </tr> <tr> <td>2</td> <td>10/07/13</td> <td>10/07/13</td> <td>1010C</td> <td>67.20CR</td> <td>33.18</td> <td>6,221.49</td> </tr> <tr> <td>3</td> <td>09/11/13</td> <td>09/11/13</td> <td>1010C</td> <td>67.20CR</td> <td>42.30</td> <td>6,255.51</td> </tr> <tr> <td>4</td> <td>08/09/13</td> <td>08/12/13</td> <td>1010C</td> <td>67.20CR</td> <td>32.22</td> <td>6,280.41</td> </tr> <tr> <td>5</td> <td>07/15/13</td> <td>07/15/13</td> <td>1010C</td> <td>67.20CR</td> <td>27.24</td> <td>6,315.39</td> </tr> <tr> <td>6</td> <td>06/24/13</td> <td>06/24/13</td> <td>1010C</td> <td>67.20CR</td> <td>24.81</td> <td>6,355.35</td> </tr> <tr> <td>7</td> <td>06/05/13</td> <td>06/06/13</td> <td>1010C</td> <td>67.20CR</td> <td>37.99</td> <td>6,397.74</td> </tr> <tr> <td>8</td> <td>05/07/13</td> <td>05/07/13</td> <td>1010C</td> <td>67.20CR</td> <td>74.72</td> <td>6,419.43</td> </tr> <tr> <td>9</td> <td>03/11/13</td> <td>03/11/13</td> <td>1010C</td> <td>134.88CR</td> <td>74.16</td> <td>6,419.43</td> </tr> <tr> <td>10</td> <td>01/14/13</td> <td>01/14/13</td> <td>1010C</td> <td>67.44CR</td> <td>18.68</td> <td>6,480.15</td> </tr> </table> SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C-6388; DATE 09/18/25 10:30:48 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 12 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE Posted TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 12/31/12 12/31/12 1010C 67.44CR 34.91 6,528.91 2 12/05/12 12/05/12 1010C 67.44CR 57.82 6,561.44 3 10/23/12 10/24/12 1010C 67.44CR 10.83 6,571.06 4 10/15/12 10/16/12 1010C 67.44CR 4.06 6,618.61 5 10/12/12 2601A 3.37 69.07 6,618.61 6 08/22/12 08/22/12 1010C 67.44CR 50.24 6,618.61 7 07/16/12 07/16/12 1010C 67.44CR 38.26 6,635.81 8 06/18/12 06/18/12 1010C 67.44CR 45.34 6,664.99 9 05/16/12 05/16/12 1010C 67.44CR 40.00 6,687.09 10 04/17/12 04/17/12 1010C 67.37CR 48.35 6,714.53 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN 9/18/25, 10:38 AM ITS2O[REDACTED]6388; DATE 09/18/25 10:38:15 LOAN FINANCIAL ACTIVITY AES/PA VTAM KA5J TSX2D PAGE 13 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 03/13/12 03/13/12 1010C 67.37CR 37.42 6,733.55 2 02/15/12 02/16/12 1010C 67.37CR 40.35 6,763.50 3 01/17/12 01/17/12 1010C 67.37CR 50.11 6,790.52 4 12/12/11 12/12/11 1010C 67.37CR 39.06 6,807.78 5 11/14/11 11/14/11 1010C 67.37CR 18.25 6,836.09 6 11/01/11 11/01/11 1010C 64.00CR 70.23 6,878.98 7 09/12/11 09/12/11 1010C 205.48CR 1.42 6,878.98 8 09/11/11 ____ 2601A 3.37 44.09 6,959.58 9 08/11/11 ____ 2601A 3.37 72.63 6,959.58 10 06/21/11 06/21/11 1010C 67.37CR 47.39 6,959.58 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C[REDACTED]6388;; DATE 09/18/25 10:32:14 AES/PA VTAM KA5J TSX2D LOAN FINANCIAL ACTIVITY PAGE 14 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 05/19/11 05/19/11 1010C 64.66CR 24.55 6,979.56 2 05/02/11 05/02/11 1010C 139.52CR 30.55 7,019.67 3 04/11/11 03/07/11 2601A 3.40 50.92 7,072.05 4 03/07/11 03/07/11 1010C 64.66CR 66.93 7,072.05 5 01/20/11 01/21/11 1010C 139.52CR 13.20 7,072.05 6 01/11/11 2601A 3.40 63.35 7,131.62 7 11/29/10 11/29/10 1010C 68.06CR 56.15 7,131.62 8 10/22/10 10/22/10 1010C 64.66CR 37.07 7,143.53 9 09/27/10 09/27/10 1010C 139.52CR 23.82 7,171.12 10 09/11/10 2601A 3.40 74.45 7,208.97 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2066388;; DATE 09/18/25 10:32:23 AES/PA LOAN FINANCIAL ACTIVITY VTAM KASJ TSX2D BORROWER SSN: ______-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPIN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 07/23/10 07/26/10 1010C 66.43CR 55.00 7,208.97 2 06/16/10 06/16/10 1010C 70.00CR 28.27 7,220.40 3 05/28/10 05/28/10 1010C 70.00CR 47.76 7,262.13 4 04/26/10 04/26/10 1010C 62.62CR 7.51 7,284.37 5 04/21/10 04/21/10 1010C 75.00CR 15.02 7,329.86 6 04/11/10 2601A 3.44 66.16 7,329.86 7 02/26/10 02/26/10 1010C 68.81CR 42.26 7,329.86 8 01/29/10 01/29/10 1010C 68.81CR 37.89 7,356.41 9 01/04/10 01/04/10 1010C 68.81CR 47.35 7,387.33 10 12/04/09 12/04/09 1010C 68.81CR 59.68 7,408.79 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C-6388:; AES/PA VTAM KA5J TSX2D DATE 09/18/25 10:32:38 LOAN FINANCIAL ACTIVITY PAGE 16 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 10/26/09 10/26/09 1010C 68.81CR 60.12 7,417.92 2 09/17/09 09/18/09 1010C 68.81CR 53.10 7,426.61 3 08/14/09 08/17/09 1010C 68.81CR 22.00 7,442.32 4 07/31/09 07/31/09 1010C 80.42CR 80.32 7,489.13 5 06/10/09 06/10/09 1010C 154.61CR 48.07 7,489.23 6 05/11/09 05/11/09 1010C 200.0OCR 48.75 7,595.77 7 04/11/09 [REDACTED] 2601A 4.02 1.62 7,703.77 8 04/10/09 04/10/09 1010C 100.0OCR 48.56 7,703.77 9 03/16/09 03/16/09 1010C 100.0OCR 4.24 7,703.77 10 03/14/09 [REDACTED] 2601A 4.02 65.75 7,703.77 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN 9/18/25, 10:32 AM ITS2C[REDACTED]6388;; DATE 09/18/25 10:32:49 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE Posted Tran Tran Interest Principal REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 02/11/09 2601A 4.02 65.75 7,703.77 2 01/11/09 2601A 3.60 41.67 7,703.77 3 12/22/08 1010C 140.00CR 20.47 7,703.77 4 12/12/08 2601A 4.02 63.46 7,708.23 5 11/11/08 2601A 2.56 45.03 7,708.23 6 10/20/08 1010C 100.00CR 16.44 7,708.23 7 10/12/08 2601A 3.54 47.73 7,740.52 8 09/19/08 09/19/08 1010C 100.00CR 16.81 7,740.52 9 09/11/08 2601A 4.52 50.43 7,768.76 10 08/18/08 08/19/08 1010C 100.00CR 14.71 7,768.76 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C6388;; AES/PA VTAM KA5J TSX2D DATE 09/18/25 10:32:56 LOAN FINANCIAL ACTIVITY PAGE 18 OF 20 BORROWER SSN: ____-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 08/11/08 2601A 4.66 79.86 7,769.53 2 07/04/08 07/07/08 1010C 181.79CR 53.04 7,769.53 3 06/11/08 2601A 4.03 37.33 7,856.92 4 05/26/08 05/27/08 1010C 100.00CR 32.81 7,856.92 5 05/12/08 2601A 4.17 0.00 7,892.37 6 05/12/08 05/12/08 1010C 100.00CR 72.66 7,892.37 7 04/11/08 2601A 4.31 26.08 7,892.37 8 03/31/08 03/31/08 1010C 100.00CR 47.62 7,892.37 9 03/13/08 2601A 4.44 23.81 7,892.37 10 03/04/08 03/04/08 1010C 100.00CR 58.20 7,892.37 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C6388; AES/PA VTAM KA5J TSX2D DATE 09/18/25 10:33:22 LOAN FINANCIAL ACTIVITY PAGE 19 OF 20 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>REA EFFECTIVE DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>02/11/08</td> <td></td> <td>2601A</td> <td>4.58</td> <td>18.52</td> <td>7,892.37</td> </tr> <tr> <td>2</td> <td>02/04/08</td> <td>02/05/08</td> <td>1010C</td> <td>100.00CR</td> <td>63.50</td> <td>7,892.37</td> </tr> <tr> <td>3</td> <td>01/11/08</td> <td></td> <td>2601A</td> <td>4.72</td> <td>5.29</td> <td>7,892.37</td> </tr> <tr> <td>4</td> <td>01/09/08</td> <td>01/10/08</td> <td>1010C</td> <td>100.00CR</td> <td>76.17</td> <td>7,892.37</td> </tr> <tr> <td>5</td> <td>12/12/07</td> <td></td> <td>2601A</td> <td>4.86</td> <td>44.00</td> <td>7,892.37</td> </tr> <tr> <td>6</td> <td>11/26/07</td> <td>11/27/07</td> <td>1010C</td> <td>166.84CR</td> <td>35.75</td> <td>7,892.37</td> </tr> <tr> <td>7</td> <td>11/13/07</td> <td>11/13/07</td> <td>1010C</td> <td>188.88CR</td> <td>5.50</td> <td>7,892.37</td> </tr> <tr> <td>8</td> <td>11/11/07</td> <td></td> <td>2601A</td> <td>4.86</td> <td>11.00</td> <td>7,892.37</td> </tr> <tr> <td>9</td> <td>11/07/07</td> <td>11/08/07</td> <td>1010C</td> <td>200.00CR</td> <td>71.51</td> <td>7,892.37</td> </tr> <tr> <td>10</td> <td>10/12/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>84.61</td> <td>7,892.37</td> </tr> </table> SELECTION ____ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS20____6388;; AES/PA VTAM KA5J TSX2D DATE 09/18/25 10:33:10 LOAN FINANCIAL ACTIVITY PAGE 20 OF 20 BORROWER SSN: __________-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>EFFECTIVE REA DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>09/11/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>84.25</td> <td>7,892.37</td> </tr> <tr> <td>2</td> <td>08/11/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>81.54</td> <td>7,892.37</td> </tr> <tr> <td>3</td> <td>07/12/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>5.43</td> <td>7,892.37</td> </tr> <tr> <td>4</td> <td>07/10/07</td> <td>07/10/07</td> <td>1010C</td> <td>193.34CR</td> <td>78.82</td> <td>7,892.37</td> </tr> <tr> <td>5</td> <td>06/11/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>81.54</td> <td>7,892.37</td> </tr> <tr> <td>6</td> <td>05/12/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>84.25</td> <td>7,892.37</td> </tr> <tr> <td>7</td> <td>04/11/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>119.66</td> <td>7,892.37</td> </tr> <tr> <td>8</td> <td>02/26/07</td> <td>02/26/07</td> <td>1010C</td> <td>337.81CR</td> <td>40.80</td> <td>7,892.37</td> </tr> <tr> <td>9</td> <td>02/11/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>84.32</td> <td>7,892.37</td> </tr> <tr> <td>10</td> <td>01/11/07</td> <td></td> <td>2601A</td> <td>4.66</td> <td>81.69</td> <td>7,892.37</td> </tr> </table> SELECTION ____ 01033 PRESS ENTER TO DISPLAY MORE DATA F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN DATE 09/18/25 10:33:40 AES/PA VTAM KA5J TSX2D LOAN FINANCIAL ACTIVITY PAGE 1 OF 3 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>EFFEVTIVE REA DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>12/12/06</td> <td></td> <td>2601A</td> <td>2.92</td> <td>155.29</td> <td>7,892.37</td> </tr> <tr> <td>2</td> <td>10/16/06</td> <td>10/16/06</td> <td>1010C</td> <td>370.00CR</td> <td>10.95</td> <td>7,892.37</td> </tr> <tr> <td>3</td> <td>10/12/06</td> <td></td> <td>2601A</td> <td>4.28</td> <td>83.35</td> <td>7,935.47</td> </tr> <tr> <td>4</td> <td>09/11/06</td> <td></td> <td>2601A</td> <td>4.28</td> <td>82.49</td> <td>7,935.47</td> </tr> <tr> <td>5</td> <td>08/11/06</td> <td></td> <td>2601A</td> <td>4.28</td> <td>137.27</td> <td>7,935.47</td> </tr> <tr> <td>6</td> <td>06/20/06</td> <td>06/20/06</td> <td>1010C</td> <td>428.45CR</td> <td>23.12</td> <td>7,935.47</td> </tr> <tr> <td>7</td> <td>06/11/06</td> <td></td> <td>2601A</td> <td>4.28</td> <td>77.07</td> <td>7,960.89</td> </tr> <tr> <td>8</td> <td>05/12/06</td> <td></td> <td>2601A</td> <td>4.28</td> <td>79.64</td> <td>7,960.89</td> </tr> <tr> <td>9</td> <td>04/11/06</td> <td></td> <td>2601A</td> <td>4.28</td> <td>70.17</td> <td>7,960.89</td> </tr> <tr> <td>10</td> <td>03/14/06</td> <td></td> <td>2601A</td> <td>4.28</td> <td>135.91</td> <td>7,960.89</td> </tr> </table> SELECTION F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C[REDACTED]6388;; DATE 09/18/25 10:33:51 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 2 OF 3 BORROWER SSN: [REDACTED]-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 REV EFFECTIVE POSTED TRAN TRAN INTEREST PRINCIPAL REA DATE DATE TYPE AMOUNT ACCRUED BALANCE 1 01/18/06 01/18/06 1010C 162.13CR 17.32 7,960.89 2 01/11/06 2601A 3.82 128.27 7,973.61 3 11/18/05 11/18/05 1010C 191.07CR 16.50 7,973.61 4 11/11/05 2601A 3.82 16.50 7,992.25 5 11/04/05 11/04/05 1010C 191.07CR 54.24 7,992.25 6 10/12/05 2601A 3.82 70.96 7,992.25 7 09/11/05 2601A 3.82 69.78 7,992.25 8 08/11/05 2601A 3.82 120.24 7,992.25 9 06/18/05 06/20/05 7001A 0.00 164.27 7,992.25 10 04/01/05 04/04/05 7001A 0.00 175.29 7,827.98 SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN ITS2C-6388;; DATE 09/18/25 10:34:20 AES/PA LOAN FINANCIAL ACTIVITY VTAM KA5J TSX2D PAGE 3 OF 3 BORROWER SSN: _____-6388 NAME: MCSPERITT, ANDREA 1ST DISB: 05/19/04 LN SEQ: 0001 LN PGM: ALPLN OWN: 122962QT-NCT GUARANTOR: TERI CUST ACCT: LT03 ORIG BAL: 7,262.57 BOND ISSUE: NCT20041 PD AHEAD: STATUS: ACTIVE CURR BAL: 0.00 <table> <tr> <th>REV</th> <th>REACTIVE EFFECTIVE DATE</th> <th>POSTED DATE</th> <th>TRAN TYPE</th> <th>TRAN AMOUNT</th> <th>INTEREST ACCRUED</th> <th>PRINCIPAL BALANCE</th> </tr> <tr> <td>1</td> <td>01/01/05</td> <td>01/03/05</td> <td>7001A</td> <td>0.00</td> <td>164.87</td> <td>7,652.69</td> </tr> <tr> <td>2</td> <td>10/01/04</td> <td>10/04/04</td> <td>7001A</td> <td>0.00</td> <td>153.93</td> <td>7,487.82</td> </tr> <tr> <td>3</td> <td>07/01/04</td> <td>07/02/04</td> <td>7001A</td> <td>0.00</td> <td>34.83</td> <td>7,333.89</td> </tr> <tr> <td>4</td> <td>06/10/04</td> <td>06/10/04</td> <td>0390A</td> <td>7,299.06</td> <td>0.00</td> <td>7,262.57</td> </tr> <tr> <td>5</td> <td>06/10/04</td> <td>06/10/04</td> <td>0395A</td> <td>7,299.06CR</td> <td>36.49</td> <td>0.00</td> </tr> <tr> <td>6</td> <td>05/19/04</td> <td>05/21/04</td> <td>0101A</td> <td>7,262.57</td> <td>0.00</td> <td>7,262.57</td> </tr> </table> SELECTION __ F1=HELP F3=EXIT F5=RFR F6=RMT F7=BKWD F8=FWD F9=PRT F12=CAN Exhibit F ITS31****1079; AES/PA VTAM KA22 TSX31 DATE 09/18/25 10:11:08 DEFERMENT/FORBEARANCE LOAN DETAIL BORROWER SSN: ****-**-1079 NAME: LARRY ELLIS 1ST DISB DATE: 05/19/04 OWNER: NCT LOAN SEQ: 001 GUARANTOR: TERI LOAN PGM: ALPLN TOTL BEGIN END GRACE CAP DAYS DAYS MOS CERT DEFER/FORB TYP DATE DATE END DATE IND USED LEFT USED DATE F - ADMINISTRV 03 22 22 05 20 22 C 60 UNL 2.0 04 01 22 Exhibit G ITS2X*****1079; AES/PA VTAM KA22 TSX2Y DATE 09/18/25 10:11:14 REPAYMENT SCHEDULE SUMMARY SELECTION PAGE 1 OF 2 BORROWER SSN ****-**-1079 NAME LARRY ELLIS SCHED INSTALL REPAY REPAY 1ST DUE 1ST DISB LOAN SEL STA TYPE AMOUNT LVLS TERM DATE DATE PGM OWNER 01 I L 70.69 2 38 06/26/22 05/19/04 ALPLN NCT 02 I L 68.25 2 45 09/26/21 05/19/04 ALPLN NCT 03 I L 69.48 2 57 09/26/20 05/19/04 ALPLN NCT 04 I L 73.36 2 68 10/26/19 05/19/04 ALPLN NCT 05 I L 72.63 2 78 12/26/18 05/19/04 ALPLN NCT 06 I L 70.58 2 90 12/26/17 05/19/04 ALPLN NCT 07 I L 68.87 2 100 02/26/17 05/19/04 ALPLN NCT 08 I L 67.94 2 111 03/26/16 05/19/04 ALPLN NCT 09 I L 67.00 2 123 03/26/15 05/19/04 ALPLN NCT 10 I L 67.08 2 135 03/26/14 05/19/04 ALPLN NCT 11 I L 67.20 2 146 04/26/13 05/19/04 ALPLN NCT 12 I L 67.44 2 157 05/26/12 05/19/04 ALPLN NCT SELECTION ___ . F1=HELP F3=EXIT F5=RFR F7=BKWD F8=FWD F9=PRT F12=CAN ITS2X*****1079: AES/PA VTAM KA22 TSX2Y DATE 09/18/25 10:11:17 REPAYMENT SCHEDULE SUMMARY SELECTION PAGE 2 OF 2 BORROWER SSN ****-**-1079 NAME LARRY ELLIS SCHED INSTALL REPAY REPAY 1ST DUE 1ST DISB LOAN SEL STA TYPE AMOUNT LVLS TERM DATE DATE PGM OWNER 01 I L 67.37 2 168 06/26/11 05/19/04 ALPLN NCT 02 I L 68.06 2 178 08/26/10 05/19/04 ALPLN NCT 03 I L 68.81 2 190 08/26/09 05/19/04 ALPLN NCT 04 I L 90.42 2 201 09/26/08 05/19/04 ALPLN NCT 05 I L 97.22 2 212 10/26/07 05/19/04 ALPLN NCT 06 I L 93.12 2 222 12/26/06 05/19/04 ALPLN NCT 07 I L 85.69 2 233 01/26/06 05/19/04 ALPLN NCT 08 I L 76.43 2 239 07/26/05 05/19/04 ALPLN NCT SELECTION —— F1=HELP F3=EXIT F5=RFR F7=BKWD F8=FWD F9=PRT F12=CAN Exhibit H Loan Payment History Report Date: 2025-09-18 Account Number: 1079-001-PHEA Social Security Number: 1079 Name: ELLIS, LARRY Birth Date: 1976- Address 1: 28325 REUTER RD W Address 2: City: HINTON State: OK Zip Code: 73047-2258 Product: Officer Code: 777041 School: SOUTHWESTERN OKLAHOMA STATE UNIVERSITY Program Year: 200405 Variable Rate Code: FU LIBOR 1 Month Interest Rate: 0.00% Last Payment Date: 2022-01-03 Last Payment Amount: $70.00 Last Interest Date: 2025-09-18 Contract Date: 2004-05-19 Vendor Placement Date: 2024-12-06 Charge Off Date: 2022-12-01 Charge Off Amount: $2,488.55 Recovered Principal: $0.00 Current Principal: $2,488.55 Disbursement Date: 2004-05-19 Disbursement Amount: $7,262.57 Accrued Interest: $0.00 Recovered Interest: $0.00 Net Interest: $0.00 Associated Costs: $0.00 Recovered Costs: $0.00 Net Costs: $0.00 Transaction History <table> <tr> <th>System</th> <th>Date</th> <th>Time</th> <th>Delta</th> <th>Amount</th> <th>Net Cost</th> </tr> <tr> <td>System</td> <td>2023-12-07</td> <td>00:01</td> <td>82</td> <td>$2,488.55 @ 0.000 / 06/05/2023 - 12/07/2023</td> <td>$0.00</td> </tr> <tr> <td>System</td> <td>2024-06-06</td> <td>00:01</td> <td>82</td> <td>$2,488.55 @ 0.000 / 12/07/2023 - 06/06/2024</td> <td>$0.00</td> </tr> <tr> <td>System</td> <td>2024-12-06</td> <td>00:01</td> <td>82</td> <td>$2,488.55 @ 0.000 / 06/06/2024 - 12/06/2024</td> <td>$0.00</td> </tr> <tr> <td>System</td> <td>2025-09-18</td> <td>00:01</td> <td>82</td> <td>$2,488.55 @ 0.000 / 12/06/2024 - 09/18/2025</td> <td>$0.00</td> </tr> </table> Department of Defense Manpower Data Center Status Report Pursuant to Servicemembers Civil Relief Act SSN: XXX-XX-1079 Birth Date: Last Name: ELLIS First Name: LARRY Middle Name: Status As Of: Dec-23-2025 Certificate ID: 7N9M6HJTYG6SWGK On Active Duty On Active Duty Status Date <table> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects the individuals' active duty status based on the Active Duty Status Date</td> </tr> </table> Left Active Duty Within 367 Days of Active Duty Status Date <table> <tr> <th>Active Duty Start Date</th> <th>Active Duty End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects where the individual left active duty status within 367 days preceding the Active Duty Status Date</td> </tr> </table> The Member or His/Her Unit Was Notified of a Future Call-Up to Active Duty on Active Duty Status Date <table> <tr> <th>Order Notification Start Date</th> <th>Order Notification End Date</th> <th>Status</th> <th>Service Component</th> </tr> <tr> <td>NA</td> <td>NA</td> <td>No</td> <td>NA</td> </tr> <tr> <td colspan="4">This response reflects whether the individual or his/her unit has received early notification to report for active duty</td> </tr> </table> Upon searching the data banks of the Department of Defense Manpower Data Center, based on the information that you provided, the above is the status of the individual on the active duty status date as to all branches of the Uniformed Services (Army, Navy, Marine Corps, Air Force, Space Force, NOAA, Public Health, and Coast Guard). This status includes information on a Servicemember or his/her unit receiving notification of future orders to report for Active Duty. The Defense Manpower Data Center (DMDC) is an organization of the Department of Defense (DoD) that maintains the Defense Enrollment and Eligibility Reporting System (DEERS) database which is the official source of data on eligibility for military medical care and other eligibility systems. The DoD strongly supports the enforcement of the Servicemembers Civil Relief Act (50 USC App. § 3901 et seq. as amended) (SCRA) (formerly known as the Soldiers' and Sailors' Civil Relief Act of 1940). DMDC has issued hundreds of thousands of "does not possess any information indicating that the individual is currently on active duty" responses, and has experienced only a small error rate. In the event the individual referenced above, or any family member, friend, or representative asserts in any manner that the individual was on active duty for the active duty status date, or is otherwise entitled to the protections of the SCRA, you are strongly encouraged to obtain further verification of the person's status by contacting that person's Service. Service contact information can be found on the SCRA website's FAQ page (Q35) via this URL: https://scra.dmdc.osd.mil/scra/#/faqs. If you have evidence the person was on active duty for the active duty status date and you fail to obtain this additional Service verification, punitive provisions of the SCRA may be invoked against you. See 50 USC App. § 3921(c). This response reflects the following information: (1) The individual's Active Duty status on the Active Duty Status Date (2) Whether the individual left Active Duty status within 367 days preceding the Active Duty Status Date (3) Whether the individual or his/her unit received early notification to report for active duty on the Active Duty Status Date. More information on "Active Duty Status" Active duty status as reported in this certificate is defined in accordance with 10 USC § 101(d)(1). Prior to 2010 only some of the active duty periods less than 30 consecutive days in length were available. In the case of a member of the National Guard, this includes service under a call to active service authorized by the President or the Secretary of Defense under 32 USC § 502(f) for purposes of responding to a national emergency declared by the President and supported by Federal funds. All Active Guard Reserve (AGR) members must be assigned against an authorized mobilization position in the unit they support. This includes Navy Training and Administration of the Reserves (TARs), Marine Corps Active Reserve (ARs) and Coast Guard Reserve Program Administrator (RPAs). Active Duty status also applies to a Uniformed Service member who is an active duty commissioned officer of the U.S. Public Health Service or the National Oceanic and Atmospheric Administration (NOAA Commissioned Corps). Coverage Under the SCRA is Broader in Some Cases Coverage under the SCRA is broader in some cases and includes some categories of persons on active duty for purposes of the SCRA who would not be reported as on Active Duty under this certificate. SCRA protections are for Title 10 and Title 14 active duty records for all the Uniformed Services periods. Title 32 periods of Active Duty are not covered by SCRA, as defined in accordance with 10 USC § 101(d)(1). Many times orders are amended to extend the period of active duty, which would extend SCRA protections. Persons seeking to rely on this website certification should check to make sure the orders on which SCRA protections are based have not been amended to extend the inclusive dates of service. Furthermore, some protections of the SCRA may extend to persons who have received orders to report for active duty or to be inducted, but who have not actually begin active duty or actually reported for induction. The Last Date on Active Duty entry is important because a number of protections of the SCRA extend beyond the last dates of active duty. Those who could rely on this certificate are urged to seek qualified legal counsel to ensure that all rights guaranteed to Service members under the SCRA are protected WARNING: This certificate was provided based on a last name, SSN/date of birth, and active duty status date provided by the requester. Providing erroneous information will cause an erroneous certificate to be provided.