HomeMy WebLinkAbout09-23-13 ^,:CORDG' ': E QE Loan Servicing
P.O. Box 651118
Sterling, VA
866-398-7741 i6TEL
�d11 �1 3 SFP 23 ('( i2 17
703-674-4671 FAX
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ORPHh:"0'
In the Matter of the Estate of: CUMBERL'.::0
WRITTEN STATEMENT OF CLAIM
James D. Harlin, Jr. Claim: 21-2013-0743
(Full Name) Decedent
April 20, 2013 September 4, 2013
Date of Death Date Notified
1. 1, State my name is: Patrick D. Ostinato on behalf of EduCap Inc
and I have a valid claim against this estate.
2. My address and telephone number are: PO Box 651118, Sterling, VA 20165
(866) 398-7741
3. The Estate is or will become indebted to me in the amount of$
4. The nature Of the claim is: Signed on a Student Loan - 0000013000000014S68
5. The claim arose 13 prior to the death of the Decedent on or about August 2, 2006
or 0 after the death of the Decedent, on or about
6. The claim is aunsecured, or
0 secured by:
7. The claim Dis 0 is not based on a contract which makes a provision for interest.
8. The claim was or will be due and payable on immediatley
9. If the claim is contingent or unliquidated,the nature of the uncertainty is as follows:
10. Under penalties for perjury,I declare or affirm that I have read this document and I know
or believe its representations are true and complete.
i j
September 12, 2013 -
Dated: �—�f
Sipamm Patrick D. Ostinato, Collections tanager EduCap Inc
Name: EduCap Inc, Attn: Patrick D. Ostinato
Street Address: PO Box 651118
City/State/Zip: Sterling, VA 20165
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ApplffoUOn and Pawntadofy Note Dc k off acrica Student to:
Dank X 651220 Stvdmrl loan Program �..
Aataa+aan]n: 10193899 SI AIlo ,VA
Product ID E Oft lent t : 2016-,1210
OR e, ue aft? all: 8
Navn QvestlproT Call: B77-5324619
tum 12 751.4
Name fAMIXIMAIIN Date of DWI 011907 Social Smulty IF 4NIBL71117
PanrmnoU Aftvm;gIGNIEW GUY A� State PA. Zip 10
N kw than 2 ymrs at Permanent address.felt Pervious aadrest
Nome Telephorw(kvrvlr en) Y&PDana(remp9mry) -
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length of Time a Oment Employe: _ AnnW11 finployment Income:
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ppp0M0M ID. 10195B99 PO Bo,951110
product 10: .E Starlhtg,VA 20265-1210 '
OR lox In: 866-7504119
I�tre Qu06BOlfp7 CPII: 877-532-7619
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•.p STUDENT BORROWER DATE �3
-pd�•ul CO-SIGNER*L DATE Z3
. ' . . • . • ' . • CO-SIGNER 02 6.4, DATE
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,RETURN TO DANK OF AMERICA STtIDL71T LOAN PROGRAM»>
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Camb=d Prhmle IA- 1pol,rm Iran Appl'm26w and PmmissmyNat:(Ran.5(1006)
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BankofAmerica
Combined Private Education Loan Application and Promissory Note
Terms and Conditions
Applint m ID: 10195899
7/12/2006
(No white-outs or umtch-outs of texas will be accepted on this Now.) The "Variable Rate"payable Under this Now is equal to the sum of the "Prime Rate"
Unless otherwise indicated,the words"co-signer',P',"tne",'Ls'','We","am, "my"and"mine' published in The Wall Street Journal in the"Money Rafts"section an the first business day
mean the person(s)who signed this Combined Private Education Loan Application and Promissory of each mouth(the"Index"),plus a margin(the"Margin")which initially will be As shown
Note CNote'). The words "Borrower" and 'Student Borrower'mean the person who is the an the Disclosure Statement that is sent to me(the"Initial Margin').Any change in the
primary borrower an the Loan.The words you",'your",'yours"and"IAnder'mean Bank of Index will melt in a corresponding change in the Variable Rate that will take effect on the
America,its successors and assigns,and any other holder of this Note.Capitalized terms used in fifth business day of the mouth.If The Wall Street Journal is not published in the Index is
this Now shall have the meanings given in them in Section 6,Definitions,or as defined elsewhere not given, then the Index will be the immediately preceding Index. If the Index is
in this Now. discontinued or substantially altered.I agree that you may choose another comparable index.
1.DESCRIPTION OF THE PROGRAM. Beginning two(2)years after the first Disbursement Date•you may adjust the Margin from
Under this Bank of America Student Loan Program(the"Loan Pregtem'),subject w the coma of time to time an follows.If the Margin Adjustment Index("MAI")on my Adjustment Date is
this Note,1 may borrow amounts in pay the Sm tents cost of attendance at the Student's School different than the Base Index Figure,you may adjust the Margin,but you are not obligated to
(the"Loan').This Now sets forth the terms and conditions applicable m the Loan. do m.If the MAI on my Adjustment Dow is higher than the time Index Figum,you may
2.PROMISE TO PAY increase the Margin by an amount that is not mare than the difference;if the MAI on an
I Gamily and severally if more than me)promise W pay to you,or yaw order,the Lima Amount, Adjustment Dam is Iowa than the Base Index Figure,you may damse the Margin by an
plus intent on the mtstmding Loan Amount at the mw described below is Section 7,and all other amount that is not mom dram the difference.You arc not obligated w decrease the Margin at
charges and fees that I am obligated w pay as provided in this Note.I will pay all of these amounts my time,even V the Margin was previously increased In no event will the Margin be
to you at the address shown on the monthly statements I receive from you. increased to an amount greater than the Initial Margin plus 5%or be decreased to an arvomt
3.LOAN DISBURSEMENT less than the Initial Margin minus 5$1,or be less than zero.Fm the purposes of this paragraph,
Subject to the terms and conditions of this Note,the Loan will be disbursed in one or mane the"Magia Adjustment Index"is the"Charge-OB'Raks for Credit Cads"as published im the
disbursements.You may withhold my disbursement of the Lines if I tun in default Under the terms Federal Reserve Statistical Releme-Charge Off and Delinquency Rates on Loans and Leases
of this Now.You will send me a check,which may be co-payable to me and the Student's School, at Commercial Bards-All Banks,NSA,the"Base Index Figure" is 5.9%a an "Adjustment
or make an electronic disbursement to me or in the Student's School.Interest begins in accuse on Data"is the first day of any calendar month,and the Margin Adjustment Index for my dam is
the Disbursement Dow ofrach such disbursement the most recent Margin Adjustment Index published an or before that date.In We event the
4.DOCUMENTATION;DISCLOSURES Margin Adjustment Index is no longer published or is substantially altered,1 agree that you
I will receive a copy of this Now and a Disclosure Sediment in connection with the Loan on or may choose a comparable index to detem(ne, permitted changes in the Margin. Any
before the first d'abursement of the Loan. The Diaclanure Statement, m addition w other adjustment in the Margin will become effective as of a daze designated by you.You will
information,will contain information regarding my Loan Amount.the Fixed Ram and Fixed Ram notify me of my Adjustment in the Margin at least 30 days before the adjustment becomes
Period,if my,and the percentage amomt of any Loan Origination Fees that will be assessed at the effective.Notwithstanding the foregoing,during any Fixed Raw Period,interest will across o0
fine of each disbursement of the I...I will review the Disclosure Statement upon receiving it the outstanding Loan Amount at the applicable Fixed Raw.
and will correct you if I have my questions.The Disclosure Statement,and my other documents In no event will the Fixed Raw or the Variable Ram exceed the maximum interest rate that Bank
meting to the Loan subject to the tams of this Note are incorporated in and made a part of this of America,as a mfional bank located in the Commonwealth of Virginia,may charge under
Note. applicable law.
5.CONDITIONS FOR MAKING LOAN S.LOAN ORIGINATION FEES
When you receive my signed Note,you are not agreeing to Ind me money,and there will be no I agree to pay a Loan Origination Fee in connection with the Loan.The Loan Origination Fee
such agreement Until you provide me the Disclosure Statement.Based upon an evaluation of aey for the Loan will be equal to the Lom Amount multiplied by the Loan Origination Fee
credit qualifications,which you may perform as part of your review of my application for a Lam percentage identified in the Disclosure Sewment.You will calculate the Loan Origination Fa
you have the right not to make a Loan to me or lead an amount less Wan the amount I request.I for each disbursement and add the amount of the Loan Origination Fee w the misleading
understand and agree that I am eligible in receive disbursements only if the Student remains principal balance of We Loan an the Disbursement Dam.Interest will mome on such Loan
carolled at the Student's School and pronfofenrollment is provided to you. Origination Fees from that"a Until paid in full.I will not be entitled to any refund of any Loan
6.DEFINITIONS Origination Fm Unless the Loan is canceled pursuant to Section 16.
a. "Disbursement Date" is any dam on which you lend me money,which in the case of an 9.LATE PAYMENT AND OTHER CHARGES
electronic transfer is the dam funds Am tramsfenM an me or to third parties on my behalf For If a monthly payment is not paid im full when it is due,I will pay a late payment charge of 55.00
checks issued by you to me or m third parties on my behalf, the dam of the check is the or 5.00%of the Unpaid payment amount,whichever is more,but in no event more than the
Disbursement Date. amount allowed by law.If any payment of the amount due on this Note is resumed Unpaid for
b."Disclosure Statement"is a Disclosure Satement,Itemization of Amount Financed and Loan any mason,including but not limited in insufficient funds or a stop payment order,I will pay
Terms setting forth the information required by the federal Tenth-In-Leading Act and Federal you an insufficient fonds fee of$15.00.
Reserve Board Regulation Z•or as otherwise required by applicable law,or my other disclosure 10.PAYMENTS
statement that you may provide when a written disclosure statement is tat required under such a.Repayment Period.I will make monthly payment during the Repayment Period as follows:
laws. (a)during he In-School Period I will make monthly yinterestenosy payment on the outstanding
c. "Fixed Rate"is the fixed per emum ante of interest (if my)identified on The Disclosure Loan Amount,and e A thereafter I will make monthly ort payments t principal and interest,each
Statement. of which will be the amour[necessary to fully amortize and pay the theo-mnend outstanding
d"Fixed Rate Period"is the period of dime litany)identified as such of the Disclosure Statement. Loa°Amount with intent at the then-applicable interest rate in substamially equal inataRmmts
and is the period during which the Fixed Raw is in effect under this Now.The Fixed Rate Period,if over the remaining number of months in the Repayment Period("amortizing payments').
my,commences on the first Disbursement Date. Notwithstanding the foregoing,I will begin to make amortizing payments of principal and
A."In-School Period"is the period of time beginning on the first Disbursement Dale and ending(i) interest one month after the said of the Repayment Period if I have elected w do so on the
six months following the Student's graduation; (ii) six months following termination of the Application portion ofthis Note.
Student's enrollment at the Student's School,or(iii)84 months following the fast Disbursement b.Payment Terms.The outstanding Lam Amount and all accrued and unpaid interest shall be
Date,whichever is carliest. due and payable in fill on or before the dam the final payment is due As shown on the
E"Lam"meson the Private Education Lam made under this Note. Disclosure Statement.My monthly payments will be due as indicated on each of my monthly
g."Loan Amount'is the total of all sums disbursed to me or on my behalf under the terns of this billing statements;provided,however,I will still make a monthly payment on the same day
Note. each month even if I do not receive a monthly billing statement,and I will promptly notify you
h."Note"means this Combined Private Education Loan Application and Promissory Note,and if I do not receive such a statement.
includes the Disclosure Statement,co-signor notices and all other notices that you provide me Payments received will be applied first to collection costs,then in accrued interest,then to law
under this Note. charges and older fees and charges,and then to principal.
i."Repayment Period"means the 240-manth period beginning on the first Disbursement Date Because interest accrues daily on the outstanding Loan Amount,if I do not make my monthly
during which I will repay the Lam Amount with interest. payment on time,I may owe more interest than I would owe ifs had made my payment on time.
I."Student"is the person identified an the Student or the Student Borrower is this Note. Notwithstanding my other provision of this Now, if We monthly payment which would
k.'Suakin's School"is the college,University or other post-secondary institation or school that is otherwise be due during the Repayment Period for the Lawn is less than$20.00,I agree w Pay a
an approved school under the Loan Program at which the Student is or will be carolled. minimum monthly payment of 520.00 or the unpaid balance of the Loan,whichever is less.
7.INTEREST c.Variable Raw Changes.The man ity payment Amount may change monthly if the Variable
Interest will accrue on the outstanding Loan Amount at the Variable Raw(as defined below) Ram changes As provided in Section 7.Upon my change in the Variable Raw,the monthly
beginning on the first Disbursement Dow and continuing until The dam this Nom is paid in full or payments due will change an follows:(i)for inbacst-only payments,the payments will be
the Now is canceled.Interest will be calculated on the basis of a year of 365 days(366 days in a adjusted to pay interest accmed each mouth at the then-cor ent Variable Rate;and(ii)for
Imp year)for the actual number ofdays elapsed. amortizing payments,the amount of the monthly payments will be adjusted to fully situation
and pay the then-current outstanding Loan Amount with intent at the than-emrem Variable
<<<RETAIN FOR YOUR RECORDS>>>
Page 4 of 14
10I95899 Combined Private Educetim Lam Application AM Promissory NOte(Rev.05/2006)
BankofAMedc''a: . . .
Combined Private Education Loan Application and Promissory Note
Terms end Conditions
Application ID: 16195899
Ram in substantially equal inttailmw4 overtwomamder of the Repayment Period address;Bank of America Student Icon Program,P.O.Box 651210,Sterling,Virginia,
IL RIGHT TO PREPAY 20165-1210.
1 have the right toprgay All many part ofmy Loan at any time without penalty.A partial b.You may delay m fait in devise or waive my cry=rights many occasion whboat
PRIMYRrent will net mlieve me of my obligation an continue to make my Regular monthly paymmb losing your mtidwent to exercise the right at my fume time or an carry fume,oorasiom
0611 meth emil this Nam is paid in full.I will not be mtided to a refund of my Lam Origination FAA You will mu be required as make any demand upon mc,card me my notice,present this
upon prepayment Note m me for payment m make pro=of nonpayment in me before bringing Ito action to
12.DEFAULT calat this Have if I Am in defmR,and I hereby waive any right T may ottrttwise have m
i will be in defush,and upon giving my notice in rot Requiml by Applicable law,yen will haw dx Axioi :such Action,m the extern allowed by Applicable law.My Reaponaathyr fm paying
right to drier,the roue,ousmnding Lon Amount accrued fntarcat and all other aw waft this Nom is wuffected by the liability of any other person m rot in you fm repayment of ads
Pariblc m you undo the temp of this Note,immediately due and payable in full,iP Nine m by your failure OR Redly me that a Requited payment has not bem made.Yen may
A.I fail to pay my scheduled payment when don. rtleam my other Pain liable on this Nine without affecting my obligations under this
b./fail m pay my other AR=A1 Payable Oder the terms of this Note when due. Note.No course ofdealing pr you that varies men CAIetamsRof this will have Uaneas
pr I make m assignment for due
in benefit of creditors,ted have voluntary di involuntary bankruptcy of modifying this Nat m pmvartbg you from eMaming aB M the turns of this Nine as
pmcerdiags ile err ake myi Nam ri en statcamit .mpetmt"die writmm
d I haw made m make any tale written slettmmt b my document mbmilmd m you in m I certify that haw not filed fm bankruptcy in the past levee yenta
connection with my application fa slur I=or in any commwicatian ragarding this Nine in the d It wdef this Note,en act Or agreement must be"written"or in"writing," an act m
Lora. Agreement performed m provided by morns Of electronic communication will be considered m
e I break any of my odatpmmims under this Nom. be bmftm"m in'Writing,"n the cam may bra It undo this Nee,a document must be
E I fall m wtify you in writing of say change of my nsnu or address,or the imsfct withdrawal, "signed' a digital m clauwu signauA that mmpiid with applicable federal law
m graduation of the Student within 30 days of the dam the event owes, regulr t mens m a facsimile signature will mat this mquimmaot
g.l ran in default under the tees of my other tom I have with yom A.Should my provision of this Nom be held invalid or wonfomooble in whole in in pmt each
Fallowing my of Use above evens,you will haw NI the rights the law allows.Failure m receive a 1Ransion(err Part of such provision)will be considered emitted flan this Note and the validity
monody xsrearem does not relieve me of my responnlrility and obligation to make payments in And mleveabiliy,of the roomming provisions of this Nom shall rust be affected.
Accordance Willa the ranns and edition of this Note Year Accep uum,of Any payment in whole f.Any modification of my provision of this Note must be agreed to in writing signed by yon Ad
in in part,of my delinquent amomt will not waive m effect my prior acceleration of this Nom. one.Changes m more provided fm under this Nom,including but not limited to changes in the
Inmmat will continue to Rwme after default at the applicable rate specified in Seeim 7 until this Variable Ram and the Margin,ara not modification mbjaat to this Section 18(f).No modifrcatian
Nom is paid in pall,If I Am in defau14 I will pay year revs aniblo Rests of rollxtim4 including Will affect No validity in enforceability of the Remainder of this Now Notwithstanding my other,
Attomeya fed,to theexlart permitted by law. provision of this Nam,yen may forbear or defupaymens under this Nom from time to time Red
13.USE OF PROCEEDS anymmberoftimet.
I mpmaart and agree that the proceeds of the Len made under this Nine Will be used solely fm 9 If die chargd an the Loam exceed the emmmt psammul in be charged by the law that fewer
MINOR and other reeaonable education expentes,including,but not limited m mom cad board,face, this Nom,then such charges will be Reduced b such pertained amount and my excess already
books, passel computer, supplies and equipment laboratory capmtts, nan",ifioo and collected will be applied a partial prepayment of principal.
nammming 001114 Arad Other eduaaaon-mlamd personal expeasd of the Student The Borrower h.You may assign this Nom,and the Loan made herawdw,at any time without Dotiw to me I
(ones 1 ran Be Student fir,whose educational axpmses dm Lem is oldaird)and tar cosigner,if may me assign this Note,the Loan made under this Nat,m sty of is bawfits or obligatims,and
my,Will not receive my proceeds of der Lane. I understand that the loan is an odueatiaoal iron my Obligation under this Nam will be binding an my dtam.
and is not dischargeable in bankruptcy"mast purnnnt to I 1 U.S.Code Swim 523(a)S. i. I understood and acknowledge that you do not in any way approve,promote m make Any
14.CORRECTION OF ERRORS tepmsoma0ons oonwmin8 the Student's School. It is my(oar)responsibility ro dctermiae the
All parties an this Nom agree that they will fully cooperate and adjust my typographical,computer, quality ofthe Student's School.
calculation m clerical errors discovered in this Note m U.Disclosure Si mment In such event Ali j-I Agra that the Shdmt'c School in accordance will is reRmd policies may pay to you directly,
parties involved will be wtified Rd receive a enrrxted copy ofthe document Or As-iverYOU dbact ax arwmt of any refund oftddcn,farm other chougAs paid from the
I5.NOTICES promsoh,of this Note.I finther agree to immadieteky deliver m you,m m whanewrym direst the
1 soli$ad writtar noaw m you of my change in my name,address,mlcphoe number,enrollment ammm of any such nefmd of mitiae fees in other chug"that 1 mccive along with a written
lama m change in Student's School,within 10 days ofswh change, explanation of such mfund 1 undesmnd that failum to mmplem the educational progru n
Any notice require ro be given to me by you will be considered Afflictive wbm(f)mailed by het undertaken by the Student dud at raliave caw ofmy obligation under this Note.
chm mail in the mass exact addmss you hove fm also Borrower m Sndenr Bamwv,u k.This Nan is guvenxd by famai law,and to the stmt am pmeraptd by federal Iew.fin bon of
applicable, in your ad= theCammonwxalm afY ma
app� ya records, m Cn) if I agree m receive notion on o oNwemi aria it A
elemonically,when transmitted by eltaraetie communication m the most mount meerronic moil 19.PRIVACY;INFORMATION S1wnMq
address you have far the Bmmwer At Studea Borrower,As Applicable in year accords.Unless You may sham information a described in are Bank ofAmaice Privacy Policy.
required by Applicable mw,you need not give a sepmwe notice to the c tiger,ifmy. I authorize you sd the Smdmn's School to make inquiries of or to respond m inquiries from me or
16.CANCEIS.ATION you.I authmbic you to mmnm information and make ieptirid of the person I haw listed an my
I will review my Dircrosum Statement,initialed with my Lawn pmemds chock,for the real tenon applicamn fm the Lam fm the purpose of olumning my curmm add,-and tamphoru number.I
ofmy Lam.My obligation m repay,this Noe does rot occur anbl after i haw endorsed,deposited aim nuthmiae you in mpet the following information concerning this Now and the Loan to the
or c ohd a disbursement check,funds are dsbuemd m mere or an my behest m at my direction An a Student's School during ths,tens of this Nat:whsher in not the Lam win approved,the Lain
third party,either by check in eleneonic finds transfer.III Am not masfad with am fed mans of Amowt The mssad'mg Lam Amount And my dam provided on the Application fm the Lora err
my Love I may caret this Now Rd my disbmsemmt by contacting you within fiftao(15)days this Noe and my amchmens duress.
after the Dizbtus0nent Dam and amusing my dsbueseoent checks m emNonically dubmad 20.DISCOUNTS
funds within that time period a.Aute eaac Withdrawal, I will mwiec a 0355'.interest rote matictim frr dx term ofthe Harem
17.CREDIT INFORMATION tang as my payment motions As be mule an time using Automatic withdrawal from my bank
1 authorize you to inquest iafommation from me and to make my inquiries you dam necnsory or reowt Woman mm reduction Will tanninam if]make any late payments(or otherwise dtfault)an
appropriate, including obtaining roneYmer mRporre from roasumm reporting ageries, in the ten of my loss.
connection with my Application for do Len,the mview or collection Max Lamm,or for my Other b.On Time Payment. 1 will mwiwe a 03555 interest mm rduction fm the remaining Reno ordw
lawful Pml)ro I Authorise year As writ¢my imcmne and cheek my credit and employment history, Nee aRer I make de first 49 consecutive monthly premiums,m my Lawn an time.latent ram
and m answer questions concerning year credit exportoee with me, reduction will terminate if I mete my late payments(m otherwise default)an the Arms of my
1 authntim you to mlcem infommtion m others (such n credit humans or other financial Loam.
institutions)about as gMus and history ofths Note,I Also Agra that you may mitam infomrtion 21.COSIGNER RELEASE,
AR comply with govpnnaensl reporting m legal Proomem,which you believe may be required, Upon the request of all parties to the Nee the coafgnes'abiigation maker the Nom may be
w11eaicr m trot ux_h Release is in fat required,m when necessAry m helpful in completing a released the the mmvining two M the Note if the first 48 carasraw maathiy paymwts an the
news ction At-When investigating a hose m potential bee. Len am rode an time and if as PRrtics Remaining an the Note area your Urn current craft
IS.ADDITIONAL AGREEMENTS policy.
a YOU may Rcapt late Payments and/or partied payees on the Lora,even if marked"paid in
full"without losing ymr right m motive payment of all outianding amounts under this Nam or
my of your ad.right,under the,Nee No counted"emkowand OR any payment will be an
accord and satisfaction of the balance,don an the Loan unless yon and I eau ions m eapmss
written agreement i agree rot to sad Payments marked"paid in fbll,""without recourse"err with
other murrictions unless they am marked for special handling and sent m you at the following
<<<RETAIN FOR YOUR RECORDS>>>
10195899 Page 5 of 14
Combhad Priwm Fducatim Lam Appkmumm And PranisRay,Nam(Rev,05n000
L_
Combined Private Education Loan � ktt � ®. ,,
Application and Promissory Note Send with Attachments to: e!�
Bank of America Student Loan Program
Application ID: 10195899 PO Box 651210
Sterling,VA 20165-1210
Product ID: E OR fax to: 866-750-2119
Have Questions? Call: 877-532-7619
BORROWER A. STUDENT
Name CAITLIN HARLIN Date of Binh IIIBIkf1987 Social Security If X2107
Permanent Address City State PA. Zip AWL
If less than 2 years at permanent address,list previous address
Home Telephone(Permanent) School Telephone(Temporary)
Are you a U.S.Citizen? 0 Yes O No If no,are you a permanent resident? ❑yes O No (If yes,please attach a copy of your INS Form 1 551)
If lw aaave am m am No,art you an Intemat i Student? Oyu ONO Pleas attach a copy of your I-20 10,w your 1-9C,or your F-1 or}l visa alwq MN a copy of yow passport.
E-mail address:
Employer/Company Name: Telephone:
Length of Time at Current Employer: _ Annual Employment Income:
Additional Annual Income aa:
Retirement Assets: Non-Retirement Assets:
Monthly Housing Payment: ❑Own O Rent
Reference Name(relative not living with you):i Telephone:—
DriveYs Ucense Number: State Issued:~-
••,uIMONY,aalDsuMOaraasEPARAmM 1011s ANCE INCOME NEEDxm eE REVFAICO IFYou oo Horxasnm NAVE IF WNSIDEREO AS AlLuaS Fon REPAYINGTHIS IDAN.
You MD W.awsouV Pf ddsW,shotAI R be Ppprowd,an the o»Taon yw wa•U.S.ONm or a R.WSrumrnr RefMmr and Rf Rpw ape M yaw Rate Pf reslft Nd 6 In Fad Fb[e MM the fo ft
eaepAA+s:A4DAmA arp ANbaG'A Ip Mnald.
NOTICES:By completing the CO-SIGNER al Informatlon below,the applicants agree that they are applying for joint credit.
The proceeds of this loan will be disbursed to the person who signs this combined application and promissory note as STUDENT BORROWER.
Name JIM HARLIN Date of Birth `1951 Social Security a 41jj&1439
Permanent Address Cli State EA Zip 411111— Telephoned
If less than 2 years at permanent address,list previous address Relation to Student:Parent
Are you a U.S.Citizen? 0 Yes ❑No If no,are you a permanent resident? Oyes O No (If yes,please attach a copy of your INS Form I SSI)
Employer/Company Name Telephone:
Length of Time at Current Employer:4MONOL Annual Employment Income_
Additional Annual Income":A�
Retirement Assets:_ Non-Retirement Assets: _
Monthly Housing Payment: O Own ❑Rent
Driver's Ucense Number: State Issued:
••AUMONy,Or111)SUPPORT OR SEPARATE MAINTENANCE INCOME NEW NOT M RIVER-ED IF YOU DO NOT WASH TO HAVE IF CONSIDERED AS A 6ASIS FOR REPAYING THIS IRAN.
NOTICE:By completing the CO-SIGNER a2 Information below,the applicants agree that they are applying for Joint credit.
Name JFAN MARLIN Date of Birth 1MV1954 Social Security a
Permanent Address Cltyt� State EL Zip 41OW Telephony
If less than 2 years at permanent address,flat previous address _ Relation to Student:Parent
Are you a U.S.Citizen? 0 Yes O No If no,are you a permanent resident? O Yes ❑No (If yes,please attach a copy of your INS Form I SSI)
Employer/Company Name: Telephone:
Length of Time at Current Employdi:— Annual Employment Income:
Additional Annual Income
Retirement Assets:_ Non-Retirement Assets: _
Monthly Housing Payment: 0 Own ❑Rent
Driver's Ucense Number: State Issued:r_
••AIIMOW.MID SUP TORT OR SEPA ATE M ICIENANCE INCOME NEED NOT BE REVEALED IF You DO NM WISH To MVE n CONSIDERED AS A COTS MR REPAYING THIS IRAN.
<<<RETURN TO BANK OF AMERICA STUDENT LOAN PROGRAM>>>
Page 6 of 14
Combined Private Education Loan Application and Promissory Note(Rev.52006)
iN Amii�amimii�iioiiiioii� 101111111011110
Combined Private Promissory Loan Bankoy Amafdly a .
Application and Promissory Note Send with Attachments to: Bank of tai! ■Y
Bank of America Student Loan Program
Application ID: 10195899 PO Box 651210
Sterling,VA 20165-1210
Product ID: E OR fax to: 866-750-2119
Have Questions? Cell: 877-532-7619
D. LOAN INFORMATION
Loan Amount Requested: 520.000.00 Repayment while In school:
Loan amount may Include,but Is not limited to,cunent/next period Witter,room and board, O Interest Only Payment
fees,books,personal computer,supplies and equipment,laboratory expenses,transportation and commuting casts, 0 Principal and Interest Payments
and other education-related personal expenses of the Student.
SCHOOL E. •' •
School Name: MAKE-Up DESIGNORY School Code/Bmnch: Anticipated Graduation Date: 2/210007
Address 129 S.can Fernando Blvd. City BURBANK State CA Zip 90043
Academic year for Use of Funds: From: 8/21/2006 To: 3/21/2007 0 Undergraduate 0 Graduate
0 Full-time 0 Part-time 0 Half-time Uve on Campus? 0 Yes 0 No In State? 0 Yes O No
Notice: If more than one person signs this Combined Private Education lean Appllcadon and Premtssory Note(-Note),the terms of which are contained In all 4 pages hereof,each of
you Is fully and personally obligated W keep all of the promises made in this Note,Including the promise W pay the full amount owed.The holder of this Nate may enforce Its rights under
this Note against each of you Individually or against all of you together.This means that any one of you may be reclulred W pay all of the amounts owed under this Note,which may
Include Interest charges,late fees and collection costs. Each of you Is subject W the same collection methods,Which may Include suing you,garnishing your wages or other mmedles
allowed by law.We may report Information about this account W c melt bureaus.late payments,missed payments,or other defaults on this account may be reflected M your credit report.
Promise W Pay: For value received,each of the undersigned,jointly and severally,N more than one,promise W pay to Lender the Loan Amount,together with Interest In accordance
with the terms of this Note and Disclosure Statement that will be provided W me before disbursement of the lean.Capitalized terns art defined In Section 6 on page I of this Note.i
acknowledge that I have read this entire Note and have been provided with a copy of the Note W retain for my records.
Authorizations: By signing below,I agree W the terns and conditions contained In this Note Including the following: Everything disclosed M me application portion of this Note IS true
and correct W the best of my knowledge.The proceeds of the Loan made as a result of my application will be used only for educational purposes.1 authorize lender and its agents W
check my credit.Income,enrollment and employment history.1 authome Lender W discuss the status of my application with the school on my behalf.If more than one person signs
below,we Intend W apply for a joint amount.
Notice to Co-Signer(s): You art being asked W guarantee this debt Think carefully before you do.If the borrower doesnY pay the debt,You Win have to.Be sure you can afford W pay
If you have W,and that you want W accept this responsibility.You may have W pay up W the rug amount of the debt If the borrower does not pay.You may also have W My lam fees or
collection casts,which Increase this amount.The creditor can collect this debt from you without first trying W collect from the borrower.The creditor can use the same collection methods
against you that can be used against the borrower,such as suing you,garnishing your wages,etc.If this debt Is ever In default,that fact may become a Par of your credit record. Tints
notice Is not the contract but makes you liable for the debt.
I authorize you W make the loan proceeds payable to the person signing as STUDENT BORROWER below.
STUDENT BORROWER DATE
g
ZU CO-SIGNER#1 DATE
CO-SIGNER #2 DATE
Warning: Any person who knowingly makes a false statement or misrepresentation on this form Is subject W penalties which may Include lines or Imprisonment.
<<<RETURN TO BANK OF AMERICA STUDENT LOAN PROGRAM>>>
Page 7 of 14
Combined Private Education Loan Application and Promissory Note(Rev.5/2006)
1INM191119111in11311ip11 111111111111
EduCap
September 12, 2013
Register of Wills 6 Clerk of Orphans' Court
County of Cumberland
1 Courthouse Square, Room 102
Carlisle, PA 17013
RE: Request for a Claim against the Estate of James D. Harlin, Jr.
Date of Death: April 20, 2013
Loan Numbers: 0000013000000014568
File No: 21-2013-0743
To Whom It May Concern:
Please find the enclosed claim to be filed against the estate of James D.
Harlin, Jr. who resided in Cumberland County Pennsylvania and passed away on
April 20, 2013. I have also included a check for the $10.00 filing fee.
Sincerely,
Patrick D. Os inato
Collection Systems Manager
EduCap, Inc
Cc:
Jean V. Harlin, Personal Representative
1008 Centerville Rd
Newville, PA 17241
Bradley L. Griffis, Attorney
200 N Hanover St
Carlisle, PA 17013