SUGGESTED STAFFORD LOAN LENDERS

CITIBANK

1-800-967-2400

studentloan.com/schools/calarts

Sells to: No one

Servicer: Citibank

Fees charged:

Default fee 1%

Origination fee 1%

Incentives:

*0.50% interest rate reduction at

repayment for all borrowers who

make on-time payments

*.25% interest rate reduction with

auto-debit payments.

*Zero payments for the last six months

when all prior payments have been

paid on-time.

WELLS FARGO SALLIEMAE EDUCATION TRUST

1-800-658-3567 1-800-695-3317

wellsfargo.com/student salliemae.com

Sells to: No one Sells to: SallieMae

Servicer: None Servicer: SallieMae

Fees charged: Fees Charged:

Default fee 1% Default fee 1%

Origination fee 1% Origination fee 1%

Incentives: Incentives:

*1% default and 1% origination fees are waived

*Student will receive loan credits of 4% based on

*.25% interest rate reduction with the scheduled monthly payment amount for each

auto-debit of the first 12 payments made as initially

scheduled. In summary, will earn 4% of each

payment made on time, even if some are not

made on time. Can not be delinquent or in default

at end of 12 months to have benefit applied to

their account