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HomeMy WebLinkAbout01-31-14 IN THE CIRCUIT COURT FOR CUMBERLAND COUNTY, PENNSYLAVANIA PROBATE DIVISION In Re: ESTATE OF Nancy Kelley Deceased File Number:2013-1175 Division:Probate Statement of Claim The undersigned hereby presents for filing against the above estate this statement of claim and alleges: 1. The basis for probate claim is for the payoff on the decedents cosigned education loan. 2. The name and address of the claimant is Wells Fargo Bank,N.A. P.O. Box 5185 Sioux Falls, SD 57117-5185 3. The amount of the claim is $25,420.10,which is the amount now due and owing, or, if not due,will become due on January 16, 2014. 4. The claim is not contingent. 5. The claim is not secured. Under penalties of perjury, I have read the foregoing and the facts alleged are true,to the best of my knowledge and belief. Executed this 16 of January, 2014 Brian Berg Signature of Claima c7 :;a rn M MF--� F r! Q C:7 C7 Q {.a M t� O C7� C&C 1355(03-13) 12-30—'10 14;33 FROM— T-304 P0002/0008 F-146 Wells Fargo Collegiate`' Loan 2010—2011 LOAN REQUESTICONSUMER CREDIT AGREEMENT All requested information must be completed by the Student Borrower in blue or black ink. 1. .Last Name First Name M.I. Social Security Number or Tax ID Number . Data of Birth(mrn/ddIM) KELLEY BRIAN 4. Permanent Home Address(required)-Street(required),P.O.Box,City,State,ZIP Code 5. Altartrstivs Address you wantyour correspondence sent to-Street,P.O.Box,City,State,ZIP Code(only if different from No.4) 6. Home Phone Number .Alternative Phone Number(other than Cell) Cell Phone Number .Email Address 10. Driver's License Number Issuing State (ff none,Check here) 1. Citizenship Status(check one)ID U.S.C16izan or National Permanent Resident Alien' Temporary Resident Alien' Q NA For Permanent and Temporary Resident Alien Students: Please attaoh a copy of the front and back of your Registration Card.A U.S.citizen Cos ner is re uired. 12. Total loan Amount 13. School Name,Ck State 4, Graduation Date(mmlddiyyyy) $ 23A0p.00 Art Institute of California-San Diego,San Diego,CA 1 12/15/2014 15. Enrollment Period for use of these lurch(mm/yyyy)(should not exceed 12 months) 16. Grade Level(check the box next to the year In school for which this loan will be used) Frnm:01/2011 To:09/2011 Undergraduate: 0 Freshman ©Sophonmre O Junior ❑Senior E]Other Undergraduate Graduate: 0 First Year O Second Year O Third Year 0 Fourth Year/Other Graduate 17. Reference Name,Address,City,Stets,ZIP Code(clowel relative not residing at some address) 18. Reference Phone Number NANCY KELLEY { 717 )497-7620 NON-NEGOTIABLE CREDIT AGREEMENT—THIS IS A CONSUMER CREDIT TRANSACTION I understand that I am not required to tax my signature on nor to sign 6lechonicatly this Loan RequestfConsumer Credit Agreement('Credit Agreemenf)and any related notions that require sign- furs.ff 1 Choose to tax my signature on or io sago electronically this Credit Agreement and any related notices that require signature,I intend:(f}my fax or electronic signature to be an atactronic signature under eppticable federal and state law,(sQ any fax pdntoutor printart of Lenders electronic record of this Credit Agreement and related notices to be an original document iii)to conduct business with you by electronic records and electronic sigruhrres,(M my consent under(iii)to be electronically given under applireble federal and state law,and{v)that this Credit Agreement will not be governed by Article 3 of the Uniform Commercial Code,and my obl listions under this Credit Agreement will riot be subject to,but any transfer of my obligations will be skth)ect to,Article 9 of the Uniform Commercial Code. THIS IS AN EDUCATION LOAN THAT MUST BE REPAID. For purposes of the following notices,"you"and"your"means the Student Borrower and Cosignar,not the Lender. CAUTION-IT IS/r MANTTW1TYUUTHORDUGHLYREADTHECONfRACTMMMYOU$IGNfL LTIEC0W4ERHAVEREA07HEAPPLCABLEWYMTOCOSO a4L 19. NOTICE TO CONSUMER 1.)Do not sign this agreement before you read i`even 9 otherwise advised.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.You have reviewed the information contained on this Credit Agree. Trent,which includes terms on page 1 through 5,and ccrti{y that it is true and accurate to the best of your knowledge and belief.You understand that Lender will ratain this information whether or not this loan is approved.Lender is authorized to chedk your credit and employment history and to answaf quastiors about Lender's credit experience with you,Lender and/or Lender's agents are also authored to release any information to the school pertaining to this Credit Agreement,any loan you make to me under this Credit Agreement,and specificsdly any information gathered In the credit review process.You have read,understand,and agree to the terms of the'Student Borrower's Cartification and Consents'printed on page 4 of this relit Agreement. and you understand and agree that Wells Fargo Bank,NA.will be your Lender. By signing below,you(f)acknowledge that you have received an exert copy of this Credit Agreement,{I)adcnoWadge that you have separately received an Approval Disclosure providing the terms of your loan offer,and m acknowledge that you have read and understand,and accept the terms of,the loan offer contained In the Approval Disclosure. FEDERAL NOTICE TO COSIGNER: You are being asked to guarantee this debt Think carefully before you do.if the borrower doesn't pay the debt,you will have to.Be sure you can afford to pay If you have to,and that you went to accept this responsibli ft.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 Bate fees or collection costs,which Increase diis amount The holder of this Cfe&Agreement may collect this debt from you without first trying to collect from the borrower.The holder of this Credit Agreement may use the same collection methods against you that may be used against this borrower,such as suing you,garnishing your wages,etc.It this debt is ever In defeutt, that fact may become part of your credit record This notice Is not the eontraetthrat makes you liable for the debt WARNING:Any person who knowingly makes a Islas statement or misrepresentation on this form is subject to penalties which may include fakes or imprisonment Notke to Cosigner(s):BY SIGNING THIS CREDIT AGREEMENT BELOW,YOU CERTIFY THAT YOU INTEND TO m APPLY FOR JOINT CREDIT AND pQ BE JOINTLY LIABLE WITH THE STUDENT BORROWER FOR THIS LOAN. Signature of Student Borrowpi Data(mm/ddiyyyy) Cosigner igr>elure(d appf la) Date(mrJd ) Cosigner 2 Signature(n applicable) Oa (mm/ ) MARRIED C SIN RESIDENTS:My ature oorfirns that"n obligation is being incurred in the interest of my marriage or family.No provision of any marital property agree- ment(premarital agreement),unilateral statement u er Section 766.59 of the Wisconsin Statutes or court decree under Section 766.70 advereely affects the interest of the lender unless tfie lender, prior to the time that the loan is approved,is fumistred with a copy of the marital property agreement,a statement,a decree or has actual knowledge of the adverse provision,if the loan forwhich I am applying is granted,my spouse will also receive notification that credit has been extended to me.I certify that information oorimming my spouse is tore and accurate. Signature of Student Borrowet-If married Wisconsin resident X Name of Student'a Spouse Spouse's Address-Street,P.O.Box City,State,ZIP Code NON AEGOTI ABLE CREDIT AGREEMENT—THIS IS A CONSUMER CREDIT TRANSACTION wsllsfargo.comfstudent l 1.800 8.3567 Weis Fargo Edumion Fkaidat Senrrces is a dmion of Woit;Fanjo Bank.NA 'Wells Fargo Wegiate Loan a xnowejn Fmmn mark NA Fmml rkixxnmhv r aryW Poor M�srnot Pane 1 of 7 12-30—'10 14;33 FROM— T-304 P0003/0008 F-146 ...via�rw wo r, nrc, urr, mw nuns waari qre b�anrq rrv.at. Sluderrt Borrower and Cosigner(s), unless the language specifically refers to 2. Variable Rate--The Variable Rate is equal to the Prime Rate ("Rate in- only one or the other. If more than one person signs this Credit Agreement, dex"),described below,plus a specific margin of 4.490% ("Margin" The each person will be jointly and individually liable for the full amount of the loan. Variable Rate will change in accordance with the provisions for Change Dates (described below), but the Variable Rate will never be less "You,""your,"and"yours"mean Wells Fargo Bank,National Association(NA.), than 7.740% (the Variable Rate Floor),regardless of changes to the Rate and any other holder of this Credit Agreement, Index. The Variable Rate will change monthly on the first day of each A. PROMISE TO PAY month("Change Date")if the Rate Index changes.In no event will the Vari- 1. I promise to pay you,or a subsequent holder,according to the terms of this able Rate exceed the maximum interest rate allowed by law for a national Credit Agreement,which includes terms on pages 1 through 5;the sum of bank located in South Dakota with South Dakota as its home state. the Total Loan Amount(which includes an amount equal to the Loan Origi- 3. Rate Index –The following describes the "Rate Index" applicable to this nation Fee described in Section E of this Credit Agreement), or any lesser loan for any month beginning on a Change Date(or for any shorter period amount determined under applicable law that is, advanced to me or dis- beginning on any Disbursement Date and ending on the last day of a bursed for my benefit, (together the"Final Loan Amount; and as further month): set forth in this Credit Agreement,interest on the Final Loan Amount;Inter- (a)Prime Rate:The highest Prime Rate published in The Wall Street Jour- est on any unpaid accrued interest added to the Final Loan Amount; late nal "Money Rates table on the last business day of the preceding charges;reasonable costs of collection and attorneys'fees;and other costs month (e.g., Prime Rate published on March 31, 2010,would take ef- and charges(see Sections F and 1),all in lawful money of the United States fect on April 1,2010,for the monthly period from April 1,2010,through of America(see Section MA 1). and including April 30, 2010)_ If The Wall Street Journal is not pub- 2 The proceeds of this loan will be used only for post-secondary educational Itshed or the Prime Rate is not stated, then the Prime Rate will be the and other qualified expenses incurred by the signed Student Borrower at applicable Prime Rate next published thereafter. If the Prime Rate is the school listed on this Credit Agreement(the"School'.I understand that discontinued or substantially altered,you may(at your option)choose a when you receive this signed Credit Agreement, you are not agreeing to Comparable substitute for the Prime Rate,which will then be used in its lend me money and you have the right not to make a loan or to tend an place, amount less than the Total Loan Amount as provided under applicable law. (b) One-Month LIBOR Rate– The LIBOR means the London Interbank For example, but without limiting your rights, () you can lower the Total Offered Rate. The One-Month LIBOR Rate in effect for each monthly Loan Amount based on information received from a School after I provide period (from the first day of one month through and including the last this signed Credit Agreement,and(ii)you can refuse to disburse loan pro- day of the month)will be the highest One-Month LIBOR rate published cesds to me if doing so is prohibited by law.!agree to accept an amount in The Wall Street Joumal "Money Rates"table on the last business less than the Total Loan Amount and to repay that portion of the Total Loan day of the preceding month (e.g., 1-Month LIBOR published on March Amount that you actually lend to me(i.e.Final Loan Amount)in accordance 31, 2010, would take effect on April 1, 2010, for the monthly period with applicable law along with interest and all other amounts I owe see from April 1, 2010,through and including April 30, 2010), rounded to Section A.1). You have the right, at your discretion, to disburse my loan the nearest 111000. If the One-Month LIBOR Rate is discontinued or through an agent andlor in multiple Installments.1 understand that applica- substantially altered, you may (at your option) choose a comparable ble law prohibits you from dlsbursin loan proceeds to me or to the School substitute for the One-Month LIBOR Rate,which will then be used in its on my behalf until you receive a Private Education Loan Applicant Self- place. Certification form signed by me. (c) 13 WEEK TREASURY BILL –The 13-WEEK TREASURY BILL pub- 3. After you receive this signed Credit Agreement you will send me a Final Itshed in 7'he Wall Street Joumat"Money Rates"table on the last busi- Disclosure as required by law. The Final Disclosure you provide me will ness day of the preceding month(a.g_,13-week Treasury Bill published Identify my Final Loan Amount,fee amounts,Interest rate,and other impor- on March 31,2010,would take effect on April 1,2010,for the monthly tant loan terms. The Final Disclosure is incorporated herein by this refer- pperiod from April 1,2010,through and including April 30,2010).If The enee. My contractual obligation on this Credit Agreement will begin when Wall StroO Journal is not published or the 13-WEEK TREASURY BILL loan proceeds are disbursed to me or the School on my behalf following Rate is not stated, then the 13-WEEK TREASURY BILL Rate will be expiration of the pre-disbursement cancellation period identified in the Final the applicable 13-WEEK TREASURY BILL Rate next published there- Disclosure.I wilt promptly review the Final Disclosure and notify you in writ- after. If the 13-WEEK TREASURY BILL Rate is discontinued or cub- ing if I have any questions. If any information on the Final Disclosure con- stantially altered,you may(at your option)choose a Comparable substi- fiic:ls with the information on the Approval Disclosure andlor the Credit tute for the 13-WEEK TREASURY BILL}late,which will then be used Agreement,the information on the Final Disclosure governs. If I am not in its place. satisfied with the terms of my loan es disclosed in the Final Disclosure, 1 4, Capitalization:I understand that you wilt add all accrued and unpaid inter- may cancel this loan and all disbursements as provided in Section B.I will eat to the Final Loan Amount("capitalized interested")on the last day of the show my agreement to the terms of the loan as set forth in this Credit Interim Period and at the end of any forbearance/extension period, In all Agreement and in the Final Disclosure by doing any of the following: (a) cases,the sum is thereafter considered the Final Loan Amount, and inter- endorsing the disbursement check; (b)acknowledgm$ the receipt of loan est will accrue on this new Final Loan Amount. proceeds by electronic funds transfer; (e)if I am the Student Borrower, at- D. TERMS OF REPAYMENT tending the School;or(d)otherwise allowing the loan proceeds to be used 1. Interim Period–The"interim Period"will begin on the first disbursement by or on behalf of the Student Borrower Without objection.I authorize you to date and will end upon the earliest of the following events: Increase my Final Loan Amount and issue a now Final Disclosure to me in a)Six months after I Cease to be enrolled at the School,unless I re-enroll accordance with school certification you receive after loan proceeds are in another school eligible under Title IV of the Higher Education Act or disbursed Indicating increased loan eligibility for the same loan period. 1 another eligible school approved by you within that six-month period,or may cancel such increased amount as set forth in Section B. I agree that b)Seven years after the date of my first disbursement. my Promise to Pay under this Credit Agreement applies to such increased I may but am not required to make principal and interest payments during Final Loan Amount. the Interim Period. You will add unpaid accrued interest and any other B. CANCELLATION charges to the Final Loan Amount on the last day of the Interim Period. If I 1. pre-Otsbursement:To cancel this loan before loan proceeds are disbursed Choose to make voluntary payments during the Interim Period, I under- to me or to the School on my behalf,t must call you at the phone number stand that all interest must be paid before the principal Will be reduced. listed for such purpose in the Final Disclosure by the deadline for loan can- 2. Repayment Period,The"Repayment Period"will begin on the day after cetlation specified in the Final Disclosure. my Interim Period ends and will continue for up to 1 SO months. You will 2. Post-bisbursement: To cancel this loan after loan proceeds have been disclose my Repayment Period to me on the Final Disclosure. 1 will make disbursed to me or to the School on my behalf, I must give you a written consecutive monthly payments of principal and interest duringg the Repay cancellation notice within fifteen days of receiving the Final Disclosure and Mont Period ,an the. and on the payment due dates shown on my take the following steps:not endorse or cash any loan disbursement check, statements until I have paid ell of the principal and interest and any other notify the School of the loan cancellation, and ensure that any loan dis- charges I may owe under this Credit Agreement. I understand that during bursements are returned to you. If the loan is so Canceled, you will not the Repayment Period you may change the monthly payment due date of charge me any interest for the loan.It funds are transmitted electronically,I future payments for your convenience in processing payments or in order will instruct the School,Within fifteen days of receipt by me of the Final DIs- to coordinate the due dates of all of my loans processed by you,and such closure,to return the funds to you. If 1 cancel after receiving a Final Disclo- change shall be deemed accepted by me unless I object in writing within sure reflecting all disbursements for my loan,I cancel all disbursements. If 10 days of receiving notice of such Change. I give notice of cancellation after disbursement of loan proceeds but do not 3. Standard Repayment Term–Subject to the terms of Section DA, I will cause the return of the disbursement as stated above,the disbursement rep my loan in consecutive installments of and interest calcu- wlll not be canceled and I will be In default of this Credit Agreement. I Iatped at least annually to equal the amount necessary to amortize the un- hereby grant you a security interest to secure my obligations under this paid principal balance of my loan (as of the date of Calculation) in equal Credit Agreement in all amounts owed to me by the School. monthly installments of principal and interest at the Variable Rate then in C. INTEREST effect over the number of months remaining in the Repayment Period, 1. Accrual of Interest--Beginning on the first disbursement date,interest on 4. Forbearance/Extension and Other Repayment Modifications: the outstanding balance will be calculated at the Variable Rate, described (a Alternative Repayment Term– You may from time to time, at your below,and Charged on the Final Loan Amount,and on any unpaid Interest discretion, offer alternative repayment options on this loan.Any cosigner later added to the Final Loan Amount(see Section CA). Interest w411 be under this Credit Agreement agrees that you may permit the borrower to charged on the outstanding Final Loan Amount until the date this Credit select any such alternative option without notice to, or consent from the Agreement is paid in full. Interest will be calculated on a dally simple inter- cosigner, and that such selection shall not release the cosigner from est basis.The daily interest rate will be equal to the annual interest rate in his/her obligations under this Credit Agreement. effect an that day, divided by the actual number of days in that calendar (b) Forbearance-You may, at your absolute discretion, grant me a for- NON-NEGOTI ABLE CREDIT AGREEMENT—THIS Is A CONSUMER CREDIT TRANSACTION hrrsllsfe►go.cvrrdstudent I 1-E00�58.4367 Wails Fargo Edxmtion Finandal Services M a division or W81s Fargo Bank,N.A. Wells Fargo Colleglate Loan a xng WPJK Fe,m Rank NA Fail o rtrrniry i a xis Rev 03MA rn Pace 2 of 7 12-30-'10 14;33 FROM- T-304 P0004/0008 F-146 during ashort-term hardship per�od. I understand that(i) during a for- or any other event occurs that in your judgment significantly decreases the bearance/extension period, interest will continue to accrue and I will re- likelihood of my performance. main responsible for Paying such interest,and(ii)unpaid interest that ao- Id Iowa Kapsns. Maine. i ' rid u fi trued durin my forbearance/extension period will be capitalized (see ants: e o rig events o data t app y instea of ose describe 011!19 C.4. If I have multiple education loans you held, I understand 57_e); : and agree tat(I)you may, in our sole discretion and without notice to 1. 1 fail to make any monthly payment to you within 10 days after its due me,apply an administrative forbearance to aft n the payment due dates date;or of all such loans when they enter repayment, ii)during this forbearance 2. 1 fail to observe any other covenant of this loan transaction which mMvri- period, interest wilt Continua to accrue on the loans Included in the for- ally impairs my prospect to pay amounts due under this loan transaction. b®stance and h will r®main r®sponsible for paying such interest,and{ii) P ' ' The following events of default apply(instead of those unpaid interest wiN be capitalized{see Section C. ). Any Cosigner of this ascribe in - above); Credit Agreement agrees that the Student Borrower may agree to any 1. I perk to be outstanding an amount exceeding one full payment that has forbearance or other modification of the repayment schedule and that temetned unpaid for more than 10 days after its scheduled or deferred due such agreement wilt not release the Cosigner from Cosigner's obligations date Or I have not paid my first payment or my last payment within 40 days under this Credit Agreement. of its Scheduled arm deferred due date;or S.Amounts Owing at the End of the Repayment Period—Since my loan 2. 1 fall to observe any other covenant of this loan transaction, breach of payment is subject to change at least annually, and my interest rate can which materially impairs my ability to pay amounts due under the loan change(including increases)monthly,my monthly payment may not be suf- transaction. ficient to satisfy all the monthly outstanding interest and in such case will not I. COLLECTION COSTS AND ATTORNEYS'FEES reduce the principal balance, In addition,since interest accrues daily upon Unless prohibited by law,I agree to pay you all amounts,Including reasonable the unpaid principal balance of my loan, if I make payments after my pay- collection agency, attorneys' fees, court costs, and other coleection costs ment due date,my payment may not satisfy all of the interest owing and in which you incur in enforcing the terms of this Credit Agreement. This in- such case will not reduce the principal balance.As a result of the above, I dudes,subject to any limits or prohibitions under applicable law,your reason- may owe additional principal, interest, and late charges at the end of the able attorneys' fees and expenses if you refer the matter to an attorney, Repayment Period. In such cases,yvu will increase the amount of my last whether or not such attorney is an employee of yours, and whether or not monthly payment to an amount necessary to reppay myy loan in full. there is a lawsuit or arbitration, inouding without limitation, all reasonable 6.Minimum Reppa ant—Notwlthstanding Sections i3.3 and D.4,durng the attorneys' fees and legal expenses for appeals, anticipated post-judgment Repayment Pe od I ogres to pay at least $600.Op each year (principal collection services and bankruptcy proceedings (such as case monitoring, and/or interest)or the unpaid balance an this Cr®rJit Afire®merit,whichever proof of claim and efforts to modify or vacate any alternative stay) phis any is(ass, court costs and other sums provided by law. 7.Payments—Payments will be applied O frcst to late charges and other J. NOTICES charges,then to accrued interest,and a remainder to principal,or(if) 1. I will send wrt un notice to you within 10 days after any change in my unless prohibited by law,in any other order you determine. name,street address, mailing address,email address,telephone number, E. LOAN ORIGINATION FEE cell phone number,or school enrollment status{e.g.,If I Withdraw from the At the time of each loan disbursement,you will charge me a Loan Origination School or transfer to another school participating in this loan program), or Fee equal to 0.000% of the principal loan amount disbursed. Both my Ap- change in Cosigner status(.e.,death or bankruptcy). proval Disclosure and my Final Disclosure will identify the dollar amount of the 2. Any notice required to be given to me by you will be effective when mailed can Origination Fee.That amount will be included in the Total Loan Amount by fiat class mail to the latest address you have for me,or sent electroni- on my Approval Disclosure and in the Final Loan Amount on my Final Disclo- catty to the Internet address you have for me as reflected in your current sure.A proportionate amount of the Loan Origination Fee will be added to the records, or sent electronically to me through Wells Fargo Online Mes- amount of each disbursement. At the time any disbursement is issued, the sages&Alerts. Loan Origination Fee amount will be deducted from the disbursement amount, IL CRDIT BUREAU REPORT AND INFORMATION SHARING If for any reason you do not withhold my Loan Origination Fee from any dis- I. You may rwrpiort irtfomtation about my account>b credit bureaus.Late bursement and I have not already paid that fee,i agree to pay 4 when you bill ppaayments,missed payments,or other defaults on your account may me for It.To the extant permitted by law,and unless i cancel any disbursement be reflected in my credit report. in accordance With Section B,I will not be entitled to any reimbursement of the 2. I understand chat the reporting of information about my account to cxedit Loan Origination Fee. bureaus may adversely affect my credit rating and my ability to obtain other F. LATE PAYMENT AND OTHER CHARGES credit You may also provide the School wit cerCain personally identifiable 1. 1 will pay a1ate charge if I fail to make any part of an installment payment information about me(such as my social Security Number and my loan ID within 10 dayyss after it becomes due.A late charge Will be the greater of 5% number)and report the status of my loan and my payment history,includ- of the installment or$28.00. I Will pay only one late fee for any payment, ing information about a late payment,missed ppayyment or other defaults,to regardless of the number of days it is late. the School and others in accordance with ceppllcable law. 2. Other Char es• I understand that you may offer additional services from 3. 1 authorize you to gather and share from time to time oredh-related, am- time to time and you will disclose in advance the cost of the additional ser- ployment and other information about me pneluding any information from vices before I agree to pay for the charge. this Credit Agreement or about this loan, my other education 0. RIGHT TO PREPAY loans/accounts, or my payment history) from and with consumer reporting Prepayment—I have the right to prepay this Credit Agreement in part or in full agencies,the School and others in accordance with applicable law,includ- at anytime Without penalty. I also understand and agree that partial prepay- ing without limitation the disclosure to the Student Borrower, and/or Co- ment of the loan does not relieve me of my obligation to continue making signer in connection with this transaction or any future transaction with you regularly scheduled monthly payments on the remaining balance of the loan. regarding this loan program,of all information(including status information H. WHOLE LOAN DUE and non-public personal information)of Student Borrower andlor Cosigner My failure to receive a billing statement and any other written payment notices provided in connection with this Credit Agreement. I understand that a from you does not relieve me of my responsibility and obligation of making my credit report is obtained for this loan request. If you agree to make this required loan payments in accordance with the terms and conditions Of the loan to me,a consumer credit report may be requested or used in connec Credit Agreement, You may report my payment tlist0ry t0 credit reporting lion with renewals or extensions of any credit for which I have applied,re- egendes.If I default,i will be required to pay interest on this loan accruing after viewing my loan,baking collection action on my loan,or legitimate pu�p0ses default at the same rate of Interest ceppl�cable to this loan prior to my default. associated with my loan.If I live In a community property state.1 authorize The intere st rate after default will be subject to adjustment in the same manner you to gather credit-related information from others about my spouse.If 1 as before default. Subject to applicable taw, I mn l be in default and you have ask you, you will tell me if you have request®d information about me (or the right to give me notice that the whole outstanding principal balance, ao- about my spouse, If applicable) from a consumer-reporting agency and trued interest, and all other amounts payable to you under 8re terms of this provide me With the name and address of any agency that furnished you Credit Agreement are due and payable at once and to cease to make further With a report disbursements to me (subject to any applicable law which may give me a right L. STATE LAW NOTICES to cure my default),if any one or more of the following events of default occur: Each of the following notices applies only to residents of the state indi- 1. 1 fait to make the full amount of any monthly payment to you within 10 carted: ARI O NA RESIDENTS: I agree to pay an effective rate of interest days after It is due;or equal to the rate of interest applicable to this Credit Agreement, as set forth in 2. 1 fail to notify you in Writing of a change in my name, address,telephone Section C above, plus any additional rate of interest resulting from any other number,or school enrollment status within 10 days after a change occurs; fees or charges paid or payable by me in connection with this Credit Agree- or mentP that Tmay be deemed to be Interest under applicable law.CALIE MiA 3. 1 break any of my other promises in this Credit Agreement;or RFC:file i have the right to prohibit the use of information Con ain�e�Tfn�_my 4. Any bankruptcy proceedng is begun by or against me,or I assign any of credit a in connection with transactions not initiated by me. I may exercise my assets for the benefit of my creditors;or this right by notifying the consumer credit reporting agency.A married applicant S. I make any false,misleading,or matetlaby Incomplete statement in apply- may apply for a separate account. If my application is denied or I refuse your ing for this loan,or any other student or education loan, or to you at any counter-offer and your decision was based,in whole or part,on information in a time during the Interim Period or Repayment Period;or consumer credit report,I have the right to obtain a free copy of the report from 6. 1 die;or the consumer reporting agency within 60 days.I have the right to obtain a copy 7. 1 am in default on any loan(s) I may already have with you or on any of my consumer credit report from any other credit reporting agency which loan(s)I may have with you in the future;or compiles and maintains files on consumers on a nationwide basis. I have the 8. 1 am declared legally incompetent or incapacitated;or right to dispute the accuracy or completeness of any information in a consumer credit report furnished by any agency.CALIFORNIA and UTAH RESIDENTS: NON-NEGOTI ABLE CREDIT AGREEMENT--THIS IS A CONSUMER CREDIT TRANSACTION vveltefarga.comlatirdent 11-8"9-3%7 Web Fargo Education I'marml Sa Yto dW n is a mion of Wdks Fargo BwoK N.A. Wells Faigo Collegiate Loan 6�Xlt A Writ¢fnrro Rredc NA rot i orcnimrniv i enrw acv ldiXnM Pace 3 of 7 12-30-' 10 14;34 FROM- T-304 P0005/0008 F-146 y .a a.. .. .,repot ,y�,liar ��Iar VI lan lV GRGINlbe,u, wslvv any ui yuui rink un any occa- credit report reflecting on my credit record may be su�imitted to a credit report- Sion wl out losing your entitlement to exercise the right at any future time in a envy it I fail to fulfill the terms of my credit obligations.GEORGIA REST- or on any future occasion. All waivers must be in writing. I waive any right to require the Lender to take action against the prin- 8. Without losing any rights under this Credit Agreement,you may accept late clp s as provided in O.C.G.A. § 10-7-24. IOWA RESIDENTS: If my Final payments, partial payments, postdated checks, or any form of payment Loan Amount is$25,000 or less,this is a consumer Cre rt transaction,) marked "paid In full" or containing any other restrictive endorsement. HSAS. AND NEBRASKA : NOTICE TO CONSUMER 1. Do Unless I enter into an express written agreement with you, no restrictive tlaign this agreement be re you read it ,You are entitled to a copy of this endorsement on any payment shall constitute an accord and satisfaction of agreement.3.You may prepay the unpaid balance at any time without penalty or a waiver of any lights we have to receive the total amount due under this and may be entitled to receive a refund of unearned charges in accordance Credit Agreement. with taw. Al O N AN V R S- 9• important Notice to Our Customers Regarding Communications I PZNITII;.You may obtain a consumer report(credit repo in connection With agree,in order for you to service the Account or to collect any amounts I this loan application and in connection with any updates, renewals, or exten- owe,you may from time to time make calls and/or send text messages to sions of any credit as a result of this application.If I request,I will be informed me at any telephone numbers) associated with my Account, including whether or not consumer reports were obtained,and if reports were obtained,1 wireless telephone numbers that could result in charges to me. The man- vvlll be informed of the names and addresses of the consumer reporting agar- net in which these calls or text messages are made to me may include,but ties (credit bureaus) that fumishsd the reports. You also may obtain aeon- Is not limited to,the use of prerecorded/artificial voice messages and/or an Sumer report(credit report)in connection with the review or collection of any automatic telephone dialing system.I further agree that in order for you to loan made to me as a result of this application or for other legitimate purposes service the Account or to collect any amounts I owe,you may send smalls related to any such loan. MAR IQ�ENTS• You elect Subtitle 10, to me at any email address I provide to you. Credit Grantor Closed End Credit rovisions,o Title of the Commercial Law 10.1 fully understand that failure to complete or dissatisfaction vrittr the educa- Article of the Annotated Code of Maryland only to the extent not inconsistent 6onal ppro ram undertaken byy the Student Borrower does not relieve me of with 12 U.S.C. §85 and refaced regulafions and opinions,which you expressly any Obligation pursuant to tins Credit Agreement, 1 understand and ac- t®serve, I 8 D The provisions of this Credit Imo Wledge that you dv not in any way endorse,promote,or make any rep- Agreement regarding a ppayment a co ec on agency costs and court costs res® Moons conceming any school ineJudng without limitation to the and where lawsuits must he filed do not apply to Maine or Indiana residents. school. It is my responsibility to determine the quality of the school. �j�O011 TS ORAL LOAN AGREEMENTS OR COMMITMENTS 11.All doltar amounts stated in this Credit Agreement are in United States `f�.l ND CREDIT. OR FORBEAR FROM ENFORCING dollars. twill make all payments in united States dollars with no deduction REPAYMENT OF DEBT, INCLUDING PROMISES TO EXTEND OR RENEW for currency exchange. SUCH DEBT, ARE NOT ENFORCEABLE. TO PROTECT ME (BOR- 12.Obligation to Pay Survives Death or Disability:I acknowledge that if I die or ROWER(S))AND YOU(CREDITOR) FROM MISUNDERSTANDING OR DiS- become disabled while any amount due under this Credit Agreement re- APPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH MAT- mains unpaid,I am still obligated to repay this loan. TERS ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE 13. signing this Credit Agreement,to the extent permitted by applicable law, AND E=XCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EX- I ereby ratify,confirm,and acknowledge the validity of all prior Promissory CEPT AS WE MAY LATER AGREE IN WRITING TO MODIFY IT. NE1/1! AA Notes and/or Credit Agreements I have signed with you for this loan pro- V ��,This is a loan for study, J RSEY - T • I ,F gram. I intend and agree that all such Promissory Notes and/or Credit on ea rags of this Credit Agreement area to -o contents and not contract Agreements shall be binding on me. The consideration for this affirmation terms.Portions of this Credit Agreement with references to actions taken to the is the new credit extended by you to me under this Credit Agreement. extent of"applicable IaW apply to acts or practices? that New Jersey law per- 14.All parties to this Credit Agreement agree to fully cooperate and adjust all "'i's or requires,In this Credit Agreement acts or practices(!)by you which are ty ographical,computer,calculation,or clerical errors discovered in any or 'a mA y be permitted by"applicable law"are permilted b New Jersey law,and all off the loan documents including the Credit Agreement,Approval Disclo- pi)that may or will be taken by you unless rohibited by"applicable law"are sure,and Final Disclosure. In the event this procedure is used, all parties permitted by New Jersey law. 3 T The Ohio laws against involved will be notified and receive a corrected copy of the changed discrimination require that at{ere tors ma ee crec�equally available to aIf cred- document. itworMy Customers and that credit reporting agencies mamtaln separate credit 15.If I fax my signature(s)on the signature page of this Credit Agreement back hlstaties on each indviduat upon request. The Ohlo Civil Rights Commission to you and keep the copy I signed, I understand that under federal law the administers compliance with this law. fax you receive will be an original of the signature page of this Credit VERMONT RESIDENTS;, NOTICE TO CO-SIGNER: YOUR Agreement. You and 1 agr®e that all copies of this Credit Agreement(in- SiGNATURE ON THIS AGREEMENT MEANS THAT YOU eluding the fax you receive and the Copy I retain)taken together shalt can- SIGNATURE original agreement. ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. 16.(a)lf I sign this Credit Agreement electronically,then:(1)You spree to keep IF THE BORROWER DOES NOT PAY, THE LENDER HAS an electronic record of the signed Credit Agreement and provide a printed copy to me upon request,and(ii)I agree to download and/or print a copy of THE LEGAL RIGHT TO COLLECT FROM YOU. this Credit Agreement for my records when I sign It. I understand and iM, ADDITIONAL AGREEMENTS agree that my electronic signature will be just as valid as my handwritten I. Unless prohibited by applicable law,this Credit Agreement,as well as your signature on a paper document. (b)I agree that this Credit Agreement may rights and duties and my rights and duties regarding this Credit Agreement, be signed separately by each Student Borrower or Cosigner in multiple Will be governed by and Interpreted in accordance with applicable federal counterparts,each of Which may be either electronic or on paper. I agree: laws and the laws of the State of South Dakota,without regard to conflict of that any electronic or printed copy of a signed counterpart of this Credit low rules.I acknowledge that this choice of law is made because you are a Agreement will be treated as an"original' for all purposes,including any le- national banking association with your main office located in South gal action to collect amounts that I owe. Dakota,and to insure uniform procedures and interpretation for all custom- 17. If any of the charges on the loan I receive under this Credit Agreement err.no matter where they reside. exceed the amount permitted to be charged by the law that govems this 2. By accepting pest due payments you do not waive or affect any right to Credit Agreement, then such charges well be reduced to such permitted accelerate this Credit Agreement. Unless prohibited by applicable law, I amount and any excess already collected will be applied as a partial pre- waive notice of dishonor, notice of protest,presentment,demand for pay- payment of principal. ment,and all other notices or demands in connection with the delivery,ac- 18. f this Credit Agreement is executed by more than one borrower,each bor- ceptance, performance, default or enforcement of this Credit Agreement. rower agrees that any communication between you and any of the borrow- My responsibility for repayment of the loan evidenced by this Credit cis will be binding on ail of the borrowers and that the provisions of this Agreement is unaffected by the liability of any other person to me or to you. Credit Agreement will aptly to all borrowers individualy and collectively. I consent to any and all extensions, renewals, or releases of any party li- 15. For purposes of this Section M.19 only,"1'•"me",and "my" refer to able upon this loan or any other loan 1 have with you or waiver or modifica- the Cosigner only. My obligation under this Credit Agreement is uncondi- tion that may be granted by you,all without affecting or releasing me from tional and absolute. I intend to be treated as a principal of this Credit such loans. Agreement and not as a surety.To the extent I may be treated as a surety, 3. If any provision of this Credit Agreement is held invalid or unenforceable,in 1 waive all notices to which I might be entitled by law as a guarantor of the whole or in part,that provision shall be considered omitted from this Credit Student Borrower's obligations hereunder. I waive all suretyship defenses Agreement without affecting the validity or enforceability of the remainder that might be available to me (including, without limitation, contribution, ofthis Credit Agreement. Subrogation,and exoneration). It shall not be necessary for you to resort to 4_ Except as provided in Section MA 4,any provision of this Credit Agreement or exhaust your remedies against the Student Borrower before calling upon may only be modified if jointly agreed upon in w.tin by you and me.Any me to make repayment.As Cosigner,1 agree that if the Student Borrower is modification will not affect the validity or enforceabif of the remainder of released from liability on this loan for any reason, including infancy, I this Credit Agreement, hereby consent to such release and to my continued liability for this loan af- 5. 1 understand that this loan is a Qualified Education Loan and as such,will ter such release.1 acknowledge that I have read,understand,and agree to not be automatically discharged in bankruptcy.In order to discharge a loan the terms of the Federal Notice to Cosigner and any state oosigner notice in bankruptcy,I must prove undue hardship in an adversary proceeding be- you have provided to me. fore the bankruptcy court. N. STUDENT BORROWER'S CERTIFICATION AND CONSENTS 6. I may not assign this Credit Agreement or any of its benefits or obligations, I declare that the following is true and correct.I certify that the information con- and my obligations under this Credit Agreement will be binding on my es- tained in my Credit Agreement for this loan is true,complete and correct to the tate.You may sell, transfer, or assign this Credit!Agreement at any time best of my knowledge and belief,and is made in good faith.i certify that I am a Without notice to me. The terms and conditions of this Credit Agreement citizen or Permanent Resident Alien of the United States of America,or that I apply to,bind,and inure to the benefits of your successors and assigns. am a Foreign National applying with a qualified Cosigner(s). I understand this NON-NEGOTI ABLE CREDrr AGREEMENT THIS 19 A CONSUMER CREDIT TRANSACTION wetlsPsrgo.comisfudent l i-800-fi56-3967 Walls Fargo Edum ion F mml Services is a eiviaion of WeiNi Fargo&v*,NA Wells Fargo Collegiate Loan 0%A n Weis Fame Rant NA FMiRl nrtlllrr jn0v l Fns" Rav lit V(A Pace 4 of 7 12-30-'10 14:34 FROM- T-304 P0006/0008 F-146 .. ........... ... ... ... ...... .... ..... ..-.....j ,., r . ...q...,....+.� mr, wnwuvic� utoumn w urc Turco ur applied for all federal loans that I am eligible to receive.1 understand and agree the American Arbitration Association which are in a ct on the date a dis- that the Lender will be Wells Fargo Bank,NA I hereby authorize the School to pate is submitted tD the American Arbitration Association.Information about pay to you any refund which may be due to me up to the amount of this loan.I the American Arbitration Association,its rules,and its forms are available certify that the proceeds of this loan will be used for educational expenses at 3, from the American Arbitration Association on the Internet at the School named and for the loan period stated on the Credit Agreement. I http:/Mwvr.adr.org or from the American Arbitration Association at 335 understand that I must Immediately repay any funds that I receive which cannot Madison Avenue,Floor 10,New York,New York 10017-4605.Any hearing reasonably be attributed to meeting my educationof expenses related to atten- will take place In the county of my residence.The arbitrator shall be neutral dance at the School for the loan period requested.At your option,I understand and any party may require that the arbitrator be a retired federal judge,The that you may either electronically transmit funds to the School to be applied to arbitrator shall apply all applicable law and shall provide a written decision my account or If you Issue check(s), 1 authorize you to issue a check made that includes findings of foot and conclusions of law. Judgment upon the payable to me,payable to the School,or jointly payable to me and the School, award Issued by the arbitrator may be entered In any court having lunsdio- and send it to the School.If the funds are electronically transmitted, I hereby lion. authorize the School to transfer funds to my student account at the School.1 d. CLASS CLAIMS OR CONSOLIDATED CLAIMS: THERE IS NO AU- also certify the following:i have read the material explaining the loan program THORITY FOR ANY CLAIMS TO BE ARBITRATED AS A CLASS AC- That has been provided to me.I understand the provisions of the loan program, TION OR CONSOLIDATED WITH THE CLAIMS OF OTHER PERSONS. my responsibilities,and my rights under this loan program. I certify that I am 5. FEDERAL ARBITRATION ACT; The parties agree the Credit Agreement not now in default on a Federal Perkins Loan,a Federal Stafford Loan,a Fed- involves Interstate commerce'and shall be governed by the Federal Arbi- erally Insured Student Loan,a Federal Supplemental Loan for Students(SLS), tration Act('FAA"),Title 9, United States Code,and this Agreement shall a Federal PLUS Loan, an Income Contingent Loan, a Federal Consolidation be vemed by the provisions of the FAA. Loan, a Federal Direct Loan, or any other education loan received for atten- 61 FE99 & COSTS: It I start an arbitration proceeding, l agree to ay the dance at any school. Initial filing fee required under the Rules up to a maximum of$125. The I further authorize the School or any other school that I may attend to(1) American Arbitration Association may,in the event of extreme hardship on receive, provide and confirm fnfonmafian from and with you regarding the part of any pal, defer or reduce the administrative fees.You agree to my attendance,financial aid,or status as may be relevant to considera- pay for an art of fhe filing fee and any deposit required under the Rules in tion of this Credit Agreement and(il release to you and your agents and excess of$125.You also agree to pay the costs of the arbitration proceed- any insurer and its agents any requested information pertinent to this ing.of you start an arbitration proceeding,you will pay the filing fee,any de- loan(e.g.,employment,prior loan history,enrollment status,currant ad- pert required under the Rules,and the costs of the arbitration proceeding_ dress). For ppurr�pwoses of learning my current address and telephone Each party shall be responsible for their own attorney,witness, and expert number,I=ortze you and your agents and any insurer and its agents fees and costs unless the Credit Agreement (or applicable law) provides to release Information and make inquiries to the individual(s) I provided otherwise. as a reference as part of my application or otherwise given you in con- 7. CALIFORNIA RESIDENTS ONLY: In the event that you are a California nection with this loan. resident, this Arbitration Agreement shall apply only to disputes In which O. FTC NOTICE you seek to recover for yourself an amount of money,not Including attorney The following Notice applies only to loans made to finance educational ex- fees and costs, that exceeds the jurisdictional dollar limit of the Small penses at for-profit schools or schools otherwise subject to the Federal Trade Claims Court, Commission Holder Rule(f 6 C.F.R.Section 433.2,as amended): 8. LIMITATION OF RIGHTS: IF ARBITRATION iS ELECTED BY ANY NOTICE: ANY HOLDER OF THIS CONTRACT IS SUBJECT TO ALL PARTY UNDER THIS AGREEMENT:(A)I WILL NOT HAVE THE RIGHT CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT TO 00 TO COURT OR TO HAVE A JURY TRIAL;(B)I WILL NOT HAVE AGAINST THE SCHOOL WITH RESPECT TO THE LOAN.RECOVERY UN- THE RIGHT TO ENGAGE IN PRIE-ARBITRATION DISCOVERY EXCEPT DER THIS PROVISION SHALL NOT EXCEED AMOUNTS PAID BY THE AS PROVIDED IN THE RULES; (C)1 WILL NOT HAVE THE RIGHT TO DEBTOR ON THE LOAN. PARTICIPATE AS A REPRESENTATIVE OR MEMBER OF ANY CLASS P. DISPUTE RESOLUTION PROGRAM:ARBITRATION AGREEMENT OF CLAIMANTS PERTAINING TO ANY CLAIM SUBJECT TO ARBI- 1. RIGHT TO ELECT TO ARBITRATE:Any party covered by this Agreement TRATiON; (0) THE ARBITRATOR'S DECISION WiLL BE FINAL AND may elect to have any claim,dispute or controversy("Claim of any kind BINDING WITH LIMITED RIGHTS TO APPEAL, (_E) THIS AGREEMENT (whether in contract, loft or otherwise) arising out of or re ating to this SUPERSEDES ANY PRIOR ALTERNATIVE Di8 UTE RESOLUTION Gr®dit Agreement,or any prior or future dealings between you and me,re- AND/OR ARBITRATION AGREEMENT THAT MAY EXIST BETWEEN solved. binding arbitration.If any party covered byy this Agreement elects YOU AND ME; F)IF ANY PROVISION OF THIS AGREEMENT iS HELD arbitration,that election is bindin!}on all paides to ihIs Agreement.A Claim TO BE INVALID, THE INVALID PROVISION SHALL NOT AFFECT THE may include,but shall not be limited to,the issue of whether any particular ENFORCEMENT OF ANY OTHER PROVISION OF THIS AGREEMENT, Claim must be submitted to arbitration,or the facts and circumstances In- EXCEPT THAT IF PARAGRAPHS S,6 OR 7(C) ARE HELD TO BE IN- volved with my signing of this Agreement,or my willingness to abide by the VALID, THEN THIS AGREEMENT SHALL BE NULL AND VOID IN ITS terms of this Agreement or the validity of this Agreement.Any such election ENTIRETY. may be made at any time.All parties agree that no party has to initiate an READ THIS ARBITRATION AGREEMENT CAREFULLY. IT LIMITS CER- arbitration proceeding before exercising remedies of self-help reposses- TAIN RIGHTS, INCLUDING MY RIGHT TO PURSUE A CLAIM IN COURT sion, non-judicial foreclosure, replevin or other similar remedies. In ad& AND MY RIGHT TO HAVE A JURY TRIAL. lion,any party covered by this Agreement retains the right to seek relief in small claims court for any Claim within the scope of the small claims court's jurisdiction.The filing of a lawsuit or the pursuit of other self-help remedies does not mean that any party has waived the right to subsequently elect to submit a Claim to arbitration. NON-NEGOTI ABLE CREDIT AGREEMENT—THIS IS A CONSUMER CREDIT TRANSACTION wellefargo.conJstirdent 11E00�5&3561 Wdls FaW Education Finandal Services is a division d wens Fargo eam,NA Welk Fargo Cotl"to Loan 0 9010 wrote Farm RssK N A F,ndd rAYWhrnW1 n rW R-rrr>aoim Pepe 6 of 7 12-30-'10 14;35 FROM- T-304 P0007/0008 F-146 CUSTOMER IDENTIFICATION POLICY NOTICE To help the government fight the funding of terrorism and money laundering activities, U.S. Federal law requires financial institutions to obtain, verify, and record information that identifies each person (individuals and businesses) 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. NOTICE TO COSIGNER(S)FOR CALIFORNIA RESIDENTS ONLY: For the purposes of this Notice to Cosigner, the words you'and Yyour" Par el proposito de esta nota al cofirmante, la palabra "youlusted" y refer to the Cosigner,not to the lender. 'yourlsu"se refiere a el cofirmante y no al prestamista. NOTICE TO COSIGNER ('iTraduccibn an Inglis Se Requiere Por La AVISO PARA EL FIADOR(Spanish Tran3lWon Required by Law) Ley) Se le estt pidiendo que garantice esta deuda. Pidnselo con cuidado You are being asked to guarantee this debt.Think carefully before you antes de ponerse de acuerdo. Si la persona que ha pedido este do. If the borrower doesn't pay the debt, you will have to. Be sure you pr6stamo no paga la deuda, usted tendrA que pagarla. Este seguro de can afford to pay if you have to,and that you want to accept this respon- que usted podr8 pagar si sea obligado a pagarla y de que usted desea sibility. aceptar la responsabilidad. You may have to pay up to the full amount of the debt if the borrower Si la persona que ha pedido el prtstamo no paga la deuda,es posible does not pay. You may also have to pay late fees or collection costs, que usted tenga que pagar la suma total de la deuda,mas los cargos por which increase this amount tardarse en el pago o el costo de cobranza, to cual aumenta el total de The creditor can collect this debt from you without first trying to collect esta suma. from the borrower. The creditor can use the same collection methods El acreedor (financiam) puede cobrade a usted sin, primeramente, against you that can be used against the borrower, such as suing you, tratar de cobrade al deudor. Los mismos methdds de oobranza que garnishing your wages, etc. If this debt is ever in default, that fact may pueden usarse contra el deudor,podran usarse contra usted,tales como become part of your credit record, presentar una demanda on carte, quitar parte de su sueldo, etc. Si al- This notice is not the contract that makes you liable for the debt guna vez no se cumpla con la obligacibn de pagar esta deuda,se puede incluir esa informacibn en la histaria de credito de usted. Este aviso no es el contrato mismo en que se le echa a usted le re- sponsabilidad de is deeda. NOTICE TO WEST VIRGINIA COSIGNER(S) For the purposes of this Notice to Cosigner,the words"you"and'your"refer to the Cosigner,not to the lender. This Notice is given to you in accordance with West Virginia law. Please read this Notice carefully and sign below BEFORE you sign the Credit Agreement, NOTICE TO COSIGNER(S) You are being asked to guarantee this debt. Think carefully before you do. If the borrower doesn't pay the debt,you will have to. Be sure you can afford to pay it if you have to,and that you want to accept this responsibility. You may have to pay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which increase this amount. The creditor can collect this debt from you without first trying to collect from the borrower. The creditor can use the same collection methods against you that can be used against the borrower, such as suing you,garnishing your wages, etc. If this debt is ever in default,that fact may become a part of your credit record. This notice is not the contract that makes you liable for the debt. I have been given a complete copy of this notice and of each writing that obligates me or the debtor on this debt. (Date) (Signature of Non-Student Cosigner 1) (Date) (Signature of Non-Student Cosigner 2) NON-NEGOTI A13LE CREDIT AGREEMENT—TMS 13 A CONSUMER CREW TRANSACTION wellafefgo.comktudgnt 114OObSBSSB7 Wells Fargo Eduoalion FinaWal Services is a dWmion of Wells Fargo Bank NA Welis Fargo Co@egiate Loan 0l 7(11n WFM Famn F1w* NA Rawl Ormrnmily 1 andef Nev M90101 Peoe 6 of 7 12-30-'10 14;35 FROM- T-304 P0008/0008 F-146 SUPPLEMENT TO CREDIT AGREEMENT FOR IOWA, NEW YORK,AND SOUTH CAROLINA RESIDENTS For the purposes of this Notice to Cosigner, the words"you"and"your refer to the Cosigner, not to the lender_ NOTICE TO COSIGNER(S) You agree to pay the debt identified below although you may not personally receive the property, services, or money. You may be sued for payment although the person who receives the property, service, or money is able to pay. You should know that the Total of Payments listed below does not include finance charges resulting from delinquency, late charges, repossession, or foreclosure costs, court costs, or attorneys'fees, or other charges that may be stated in the note or contract. You will also have to pay some or all of these costs and changes if the note or contract, the payment of which you are guaranteeing, requires the borrower to pay such costs and charges. If this debt is ever in default, that fact may become part of your credit record. This notice is not the note, contract or other writing that obligates you to pay the debt. Read that writing for the exact terms of your obligation. IDENTIFICATION OF DEBT(S)YOU MAY HAVE TO PAY (Name of Student-Debtor) (Date) ►ells Fargo Education Financial Services, a division of Wells Fargo Bank. N.A. (Name of Creditor) Student Pan $ (plus interest) (Kind of Debt) (Total of Payments—write in principal amount) I have been given a complete copy of this notice and of each writing that obligates me or the debtor on this debt. (Date) (Signature of Non-Student Cosigner 1) (Date) (Signature of Non-Student Cosigner 2) Wdls Faw Education Rna=W Services is a divisiDn or WaNs Fmgo Bank.N.A. Weft Fargo Cogoate Loan 0201O WHIG Pam*Bank.N.A. Eauel Onoadtnfty Lander Ray.(!]5-20101 pone 7 of 7 Education Financial Services P.O. Box 5185 Sioux Falls, SD 57117-5185 1-877-399-6845 FAX: 1-800-456-0561 January 16, 2014 CUMBERLAND COUNTY REGISTER OF WILLS Attn: Probate Clerk 1 COURT HOUSE SQUARE CARLISLE, PA 17013 Re: Probate # 21-13-1175 Deceased: Nancy Kelley Dear Clerk: Enclosed is a claim to file against the estate of Nancy Kelley for Wells Fargo Education Financial Services,the holder of the deceased's student loan. Once the claim is filed,please return a stamped copy to my attention at the address listed above. If you have any questions, please contact me at 1-605-575-5323• Thank you. al Brian Berg Collection Specialists Wells Fargo Education Financial Services Cl> M � 70 _ rn C— � Q rn 7 yam, r^ W P C/? 73 ---1 r— CD C&C 1821 (12-12) Wells Fargo Education Financial Services is a division of Wells Fargo Bank, N.A. Education Financial Services PO Box-5185 Sioux Falls SD 57117-5185 4 - PRSRT FIRST-CLASS MAIL ttt „ � � ,!�III�IIIIr hI Illllll�llllllllllil II U S'3PO STAGE�PHID Sioux F1 D 170 170 170, 4 C° !D F!C E °C PERMTK 7932 lj( jRl' f 1I °F WILLS - <� 4070140128-17e,��`' 3� UHWEBIN' ffid(i 1��UESTED • J [' IFI ORPHANS'. COURT CUMBERLAND CO., PA