Common use of Guaranty Agreements Clause in Contracts

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's AAA Southern New England Bank Loan Program. • Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's AES EducationGAIN Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs). • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's Huntington Bank Education Loan Program. • Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's National City Loan Program. • PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's Alternative Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's SunTrust Alternative Loan Program. • TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's Alternative Loan Program. • U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. Bank's Alternative Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between XXXX and: Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • o Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • o Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's Direct to Consumer Loan Program. • o Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • o Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • o Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's AAA Southern New England Bank Loan Program. • o Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's AES EducationGAIN Loan Program. • o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's (AMS) TuitionPay Diploma Loan Program. o Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One's Brazos Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's CFS Direct to Consumer Loan Program. • o Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's Citibank Flexible Education Loan Program. • o Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's College Loan Corporation Loan Program. • o Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One's Comerica Alternative Loan Program. o Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's Custom Educredit Loan Program. • o Charter One Bank, N.A., dated May 1015, 20042002, for loans that were originated under Charter One's EdFinancial Education Assistance Services Loan Program. • o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ESF Alternative Loan Program. o Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's Extra Credit II Loan Program (North Texas Higher Education). • o Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's M&I Alternative Loan Program. • o Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's National Education Loan Program. • o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's Navy Federal Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's NextStudent Alternative Loan Program. • 25 <PAGE> o Charter One Bank, N.A., dated March 2617, 20042003, for loans that were originated under Charter One's NextStudent Private Consolidation PNC Bank Resource Loan Program. • o Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • o Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One's Southwest Loan Program. o Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START Start Education Loan Program. • o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs). • o Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • o Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's DTC Alternative Loan Program. • o Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • o Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • First National o Citizens Bank Northeastof Rhode Island, dated August October 1, 20012002, for loans that were originated under First National Citizens Bank Northeastof Rhode Island's CASL Pennsylvania State University Undergraduate Alternative and Continuing Education Loan Program. • o GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Alternative Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • o The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's Huntington Bank Education Loan Program. • o Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's National City Loan Program. • o PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Conforming Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's Alternative Loan Program. • o SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's SunTrust Alternative Loan Program. • TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's Alternative Loan Program. • U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. Bank's Alternative Loan Program26 <PAGE> III.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's ’s BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's ’s CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's ’s M&T REFERRAL Loan Program • Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s (AMS) TuitionPay Diploma Loan Program. • Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One’s Brazos Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's ’s Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's ’s College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One’s Comerica Alternative Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's ’s Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial ’s Edfinancial Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s Education Assistance Services Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s ESF Alternative Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's ’s Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's ’s M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's ’s National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s Navy Federal Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's ’s NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated March 17, 2003, for loans that were originated under Charter One’s PNC Bank Resource Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's ’s SAF Alternative Loan Program. • Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One’s Southwest Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's ’s START Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ’s WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs)Program. • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's ’s Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s DTC Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, as amended on March 1, 2004, as amended on March 1, 2005, for loans that were originated under GMAC Bank's ’s GMAC Bank Student Alternative Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's ’s Huntington Bank Education Loan Program. • Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's ’s Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's National City Loan Program. • PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Conforming Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's ’s SunTrust Alternative Loan Program. • TCF Certificate No. ______ Delaware Trust Company, National BankAssociation, not in its individual capacity, but solely as owner trustee (the “Owner Trustee”) under the Trust Agreement, dated July 22as of October 12, 2005, with The National Collegiate Funding LLC and The Education Resources Institute, Inc., on behalf of the holders from time to time (each an “Owner”) of beneficial interests in the trust created thereby (the “Trust Agreement”), hereby certifies that ______________ is the owner of an undivided beneficial interest equal to the percentage listed on Schedule A to the Trust Agreement in the Trust Property provided for loans and created by the Trust Agreement. This Trust Certificate is issued pursuant to and is entitled to the benefits of the Trust Agreement, and each Owner by acceptance hereof shall be bound by the terms of the Trust Agreement. Reference is hereby made to the Trust Agreement for a statement of the rights and obligations of the Owner hereof. The Owner Trustee may treat the person shown on the register maintained by the Owner Trustee pursuant to Section 3.02 of the Trust Agreement as the absolute Owner hereof for all purposes. Capitalized terms used herein without definition have the meanings ascribed to them in or by reference in the Trust Agreement. Transfer of this Trust Certificate is subject to certain restrictions and limitations set forth in the Trust Agreement, including the requirement that were originated any transfer requires the prior consent of owners of at least 85% of the Percentage Interests in the Trust. In the manner more fully set forth in, and as limited by, the Trust Agreement, this Trust Certificate may be transferred upon the books of the Owner Trustee by the registered Owner in person or by his attorney duly authorized in writing upon surrender of this Trust Certificate to the Owner Trustee accompanied by a written instrument of transfer and with such signature guarantees and evidence of authority of the Persons signing the instrument of transfer as the Owner Trustee may reasonably require, whereupon the Owner Trustee shall issue in the name of the transferee a Trust Certificate or Trust Certificates evidencing the amount and extent of interest of the transferee. The Owner hereof, by its acceptance of this Trust Certificate, warrants and represents to the Owner Trustee and to the Owners of the other Trust Certificates issued under TCF National Bank's Alternative Loan Programthe Trust Agreement and agrees not to transfer this Trust Certificate except in accordance with the Trust Agreement. • U.S. BankThis Trust Certificate and the Trust Agreement shall in all respects be governed by, N.A.and construed in accordance with, dated May 1the laws of the State of Delaware (excluding conflict of law rules), 2005including all matters of construction, for loans that were originated under U.S. Bank's Alternative Loan Programvalidity and performance.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's ’s BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's ’s CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's ’s M&T REFERRAL Loan Program • Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s (AMS) TuitionPay Diploma Loan Program. • Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One’s Brazos Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's ’s Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's ’s College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One’s Comerica Alternative Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's ’s Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial ’s Edfinancial Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s Education Assistance Services Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s ESF Alternative Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's ’s Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's ’s M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's ’s National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s Navy Federal Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's ’s NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated March 17, 2003, for loans that were originated under Charter One’s PNC Bank Resource Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's ’s SAF Alternative Loan Program. • Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One’s Southwest Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's ’s START Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ’s WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs)Program. • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's ’s Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s DTC Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, as amended on March 1, 2004, as amended on March 1, 2005, for loans that were originated under GMAC Bank's ’s GMAC Bank Student Alternative Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's ’s Huntington Bank Education Loan Program. • Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's ’s Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's ’s National City Loan Program. • PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Conforming Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's ’s SunTrust Alternative Loan Program. • TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's Alternative Loan Program. • U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. Bank's Alternative Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • · Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's ’s BAGEL Loan Program, CEDU XXXX Loan Program and ISLP Loan Program. • · Bank of America, N.A., dated June 30, 2006, for loans that were originated under Bank of America’s BAGEL Loan Program, XXXX Loan Program and ISLP Loan Program. · Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • · Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's ’s CORPORATE ADVANTAGE Loan Program and Program, EDUCATION ONE Loan Program, and Campus One Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • · Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • · Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • · Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One’s Astrive and AstriveAlliance Education Loan Program. · Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s CFS Direct to Consumer Loan Program. • · Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's ’s Citibank Flexible Education Assistance Loan Program. • · Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's ’s College Loan Corporation Loan Program. • · Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's ’s Custom Educredit Loan Program. • · Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial ’s Edfinancial Loan Program. • · Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's ’s Extra Credit II Loan Program (North Texas Higher Education). • · Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's ’s M&I Alternative Loan Program. • · Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's ’s National Education Loan Program. • · Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • · Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's ’s NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START Education Loan Program. • · Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ’s WAMU Alternative Student Loan Program. • · Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (Program, including loans in the UPromiseUPromise Alternative Loan Program, Collegiate SolutionsSolutions Alternative Loan Program, College BoardBoard Alternative Loan Program, and Axiom Alternative Loan Programs). • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • · Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Alternative Loan Program, Compass Bank Alternative Loan Program, FinanSure Alternative Loan Program, Navy Federal Alternative Loan Program, and Xanthus Alternative Loan Program. • · Citizens Bank of Rhode Island, dated April 30October 1, 20042002, for loans that were originated under Citizens Bank of Rhode Island's Alternative ’s Penn State Undergraduate Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • · First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's ’s CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • · HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • · The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's ’s Huntington Bank Education Loan Program. • · KeyBank, dated May 12, 2006, for loans that were originated under KeyBank’s Private Education Loan Program. · Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's ’s Alternative Loan Program. • · National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's ’s National City Loan Program. • · PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Conforming Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, GE Money Bank Alternative Loan Prorgam, Old National Bank Alternative Loan Program, and Regions Bank Alternative Loan Program. • .. · Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Loan Program. • · SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's ’s SunTrust Alternative Loan Program. • · TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's ’s Alternative Loan Program. • · U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. U.S Bank's ’s Alternative Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's ’s BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's ’s CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's ’s M&T REFERRAL Loan Program • Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s (AMS) TuitionPay Diploma Loan Program. • Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One’s Brazos Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's ’s Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's ’s College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One’s Comerica Alternative Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's ’s Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial ’s Edfinancial Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s Education Assistance Services Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s ESF Alternative Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's ’s Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's ’s M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's ’s National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s Navy Federal Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's ’s NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated March 17, 2003, for loans that were originated under Charter One’s PNC Bank Resource Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's ’s SAF Alternative Loan Program. • Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One’s Southwest Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's ’s START Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ’s WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs)Program. • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's ’s Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s DTC Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, as amended on October 25, 2002, for loans that were originated under First National Bank Northeast's ’s CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, as amended on March 1, 2004, as amended on March 1, 2005, for loans that were originated under GMAC Bank's ’s GMAC Bank Student Alternative Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's ’s Huntington Bank Education Loan Program. • Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's ’s Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's National City Loan Program. • PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Conforming Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's ’s SunTrust Alternative Loan Program. • TCF Certificate No. ______ Delaware Trust Company, National BankAssociation, not in its individual capacity, but solely as owner trustee (the “Owner Trustee”) under the Trust Agreement, dated July 22as of June 9, 2005, with The National Collegiate Funding LLC and The Education Resources Institute, Inc., on behalf of the holders from time to time (each an “Owner”) of beneficial interests in the trust created thereby (the “Trust Agreement”), hereby certifies that ______________ is the owner of a _____% undivided beneficial interest in the Trust Property provided for loans and created by the Trust Agreement. This Trust Certificate is issued pursuant to and is entitled to the benefits of the Trust Agreement, and each Owner by acceptance hereof shall be bound by the terms of the Trust Agreement. Reference is hereby made to the Trust Agreement for a statement of the rights and obligations of the Owner hereof. The Owner Trustee may treat the person shown on the register maintained by the Owner Trustee pursuant to Section 3.02 of the Trust Agreement as the absolute Owner hereof for all purposes. Capitalized terms used herein without definition have the meanings ascribed to them in or by reference in the Trust Agreement. Transfer of this Trust Certificate is subject to certain restrictions and limitations set forth in the Trust Agreement, including the requirement that were originated any transfer requires the prior consent of owners of at least 85% of the Percentage Interests in the Trust. In the manner more fully set forth in, and as limited by, the Trust Agreement, this Trust Certificate may be transferred upon the books of the Owner Trustee by the registered Owner in person or by his attorney duly authorized in writing upon surrender of this Trust Certificate to the Owner Trustee accompanied by a written instrument of transfer and with such signature guarantees and evidence of authority of the Persons signing the instrument of transfer as the Owner Trustee may reasonably require, whereupon the Owner Trustee shall issue in the name of the transferee a Trust Certificate or Trust Certificates evidencing the amount and extent of interest of the transferee. The Owner hereof, by its acceptance of this Trust Certificate, warrants and represents to the Owner Trustee and to the Owners of the other Trust Certificates issued under TCF National Bank's Alternative Loan Programthe Trust Agreement and agrees not to transfer this Trust Certificate except in accordance with the Trust Agreement. • U.S. BankThis Trust Certificate and the Trust Agreement shall in all respects be governed by, N.A.and construed in accordance with, dated May 1the laws of the State of Delaware (excluding conflict of law rules), 2005including all matters of construction, for loans that were originated under U.S. Bank's Alternative Loan Programvalidity and performance.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. TERI and: • o Bank of AmericaAmericx, N.A.X.A., dated April 30, 2001, for loans that were originated under Bank of America's BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • o Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's Direct to Consumer Loan Program. • o Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • o Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's AAA Southern New England Bank Loan Program. • o Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's AES EducationGAIN Loan Program. • o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's (AMS) TuitionPay Diploma Loan Program. o Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One's Brazos Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's CFS Direct to Consumer Loan Program. • o Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's Citibank Flexible Education Loan Program. • o Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's College Loan Corporation Loan Program. • o Charter One Bank, N.A., dated December 14, 2002, for loans that were originated under Charter One's Comerica Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's Education Assistance Services Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's Custom Educredit ESF Alternative Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial Loan Program. • o Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's Extra Credit II Loan Program (North Texas Higher Education). • o Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's M&I Alternative Loan Program. • o Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's National Education Loan Program. • o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's Navy Federal Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's NextStudent Alternative Loan Program. • o Charter One Bank, N.A., dated March 2617, 20042003, for loans that were originated under Charter One's NextStudent Private Consolidation PNC Bank Resource Loan Program. • o Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • o Charter One Bank, N.A., dated March 25September 20, 20042002, for loans that were originated under Charter One's START Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs). • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's Huntington Bank Education Loan Program. • Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's National City Loan Program. • PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's Alternative Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's SunTrust Alternative Loan Program. • TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's Alternative Loan Program. • U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. Bank's Alternative Southwest Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • · Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's BAGEL ’s Private Loan Program, CEDU XXXX (School Channel) Loan Program and XXXX ISLP Loan Program. • · Bank of America, N.A., dated June 30, 2006, for loans that were originated under Bank of America’s Private Loan Program, XXXX (School Channel) Loan Program and XXXX ISLP Loan Program. · Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • · Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • · Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • · Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One’s Citibank Education Assistance Loan Program. · Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One’s College Loan Corporation Loan Program. · Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One’s National Education Loan Program. · Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • · Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START ’s Astrive and AstriveAlliance Education (f/k/a START) Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's WAMU Alternative Student Loan Program. • · Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromiseCharter One Bank Alternative Loan Program, E-Loan Private Loan Program, UPromise Alternative Loan Program, Collegiate SolutionsSolutions Alternative Loan Program, College BoardBoard Alternative Loan Program, and Axiom Alternative Loan ProgramsProgram, American Student Loan Services Private Loan Program, nBuy Private Loan Program, and ThinkFinancial Alternative Loan Program). • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • · Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Alternative Loan Program, ISLP Loan Program, Compass Bank Alternative Loan Program, FinanSure Alternative Loan Program, Navy Federal Alternative Loan Program, and Xanthus Alternative Loan Program. • · Citizens Bank of Rhode Island, dated April 30October 1, 20042002, for loans that were originated under Citizens Bank of Rhode Island's Alternative ’s Penn State Undergraduate Loan Program. • Citizens Bank of Rhode Island· Comerica Bank, dated April June 30, 20042006, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Comerica Bank’s Private Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • · HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • · The Huntington National Bank, dated May 20, 2003, for loans that were originated under The the Huntington National Bank's Huntington Bank Education Loan Program. • · InsurBanc, dated July 1, 2006, for loans that were originated under the InsurBanc Loan Program. · JPMorgan Chase Bank, N.A., (successor to Bank One, N.A.,) dated May 13, 2002, for loans that were originated under Bank One’s CORPORATE ADVANTAGE Loan Program, EDUCATION ONE Loan Program, and Campus One Loan Program. · KeyBank National Association, dated May 12, 2006, for loans that were originated under KeyBank’s Private Education Loan Program. · Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's the M&T Alternative Loan Program. • · National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's the National City Loan Program. • · National City Bank, dated July 21, 2006, for loans that were originated under the National City Referral Loan Program, including the Astute Private Loan Program and the Student Lending Works Private Loan Program. · PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, Fondo Futuro Loan Program, GE Money Bank Student Loan Program, Old National Bank Private Loan Program, and Regions Bank Alternative Private Loan Program. • Program · Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Student Loan Program. • · SunTrust Bank, dated March 1, 2002, for loans that were originated under the SunTrust Bank's SunTrust Alternative Loan Program. • · TCF National Bank, dated July 22, 2005, for loans that were originated under the TCF National Bank's Bank Alternative Loan Program. • U.S. · Union Federal Savings Bank, N.A.dated March 26, dated May 1, 20052007, for loans that were originated under U.S. Bank's Alternative the USFB Astrive Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between TERI and: Each of the following Gxxxxnty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • o Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • o Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's Direct to Consumer Loan Program. • o Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • o Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • o Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's AAA Southern New England Bank Loan Program. • o Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's AES EducationGAIN Loan Program. • o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's (AMS) TuitionPay Diploma Loan Program. o Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One's Brazos Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's CFS Direct to Consumer Loan Program. • o Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's Citibank Flexible Education Loan Program. • o Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's College Loan Corporation Loan Program. • o Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One's Comerica Alternative Loan Program. o Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's Custom Educredit Loan Program. • o Charter One Bank, N.A., dated May 1015, 20042002, for loans that were originated under Charter One's EdFinancial Education Assistance Services Loan Program. • o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ESF Alternative Loan Program. o Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's Extra Credit II Loan Program (North Texas Higher Education). • o Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's M&I Alternative Loan Program. • o Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's National Education Loan Program. • o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's Navy Federal Alternative Loan Program. o Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's NextStudent Alternative Loan Program. • o Charter One Bank, N.A., dated March 2617, 20042003, for loans that were originated under Charter One's NextStudent Private Consolidation PNC Bank Resource Loan Program. • o Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • o Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One's Southwest Loan Program. o Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START Start Education Loan Program. • o Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs). • o Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • o Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's DTC Alternative Loan Program. • o Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • o Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • First National o Citizens Bank Northeastof Rhode Island, dated August October 1, 20012002, for loans that were originated under First National Citizens Bank Northeastof Rhode Island's CASL Pennsylvania State University Undergraduate Alternative and Continuing Education Loan Program. • o GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Alternative Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • o The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's Huntington Bank Education Loan Program. • o Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's National City Loan Program. • o PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Conforming Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's Alternative Loan Program. • o SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's SunTrust Alternative Loan Program. • TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's Alternative Loan Program. • U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. Bank's Alternative Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's ’s BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's ’s CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's ’s M&T REFERRAL Loan Program • Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s (AMS) TuitionPay Diploma Loan Program. • Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One’s Brazos Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's ’s Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's ’s College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One’s Comerica Alternative Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's ’s Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial ’s Edfinancial Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s Education Assistance Services Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s ESF Alternative Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's ’s Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's ’s M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's ’s National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s Navy Federal Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's ’s NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated March 17, 2003, for loans that were originated under Charter One’s PNC Bank Resource Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's ’s SAF Alternative Loan Program. • Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One’s Southwest Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's ’s START Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ’s WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs)Program. • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's ’s Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s DTC Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's ’s CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's ’s Huntington Bank Education Loan Program. • Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's ’s Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's ’s National City Loan Program. • PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Conforming Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's ’s SunTrust Alternative Loan Program. • TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's ’s Alternative Loan Program. • U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. U.S Bank's ’s Alternative Loan Program. Certificate No. ______ Wilmington Trust Company, not in its individual capacity, but solely as owner trustee (the “Owner Trustee”) under the Trust Agreement, dated as of March 9, 2006, with The National Collegiate Funding LLC and The Education Resources Institute, Inc., on behalf of the holders from time to time (each an “Owner”) of beneficial interests in the trust created thereby (the “Trust Agreement”), hereby certifies that ______________ is the owner of an undivided beneficial interest equal to the percentage listed on Schedule A to the Trust Agreement in the Trust Property provided for and created by the Trust Agreement. This Trust Certificate is issued pursuant to and is entitled to the benefits of the Trust Agreement, and each Owner by acceptance hereof shall be bound by the terms of the Trust Agreement. Reference is hereby made to the Trust Agreement for a statement of the rights and obligations of the Owner hereof. The Owner Trustee may treat the person shown on the register maintained by the Owner Trustee pursuant to Section 3.02 of the Trust Agreement as the absolute Owner hereof for all purposes. Capitalized terms used herein without definition have the meanings ascribed to them in or by reference in the Trust Agreement. Transfer of this Trust Certificate is subject to certain restrictions and limitations set forth in the Trust Agreement, including the requirement that any transfer requires the prior consent of owners of at least 85% of the Percentage Interests in the Trust. In the manner more fully set forth in, and as limited by, the Trust Agreement, this Trust Certificate may be transferred upon the books of the Owner Trustee by the registered Owner in person or by his attorney duly authorized in writing upon surrender of this Trust Certificate to the Owner Trustee accompanied by a written instrument of transfer and with such signature guarantees and evidence of authority of the Persons signing the instrument of transfer as the Owner Trustee may reasonably require, whereupon the Owner Trustee shall issue in the name of the transferee a Trust Certificate or Trust Certificates evidencing the amount and extent of interest of the transferee. The Owner hereof, by its acceptance of this Trust Certificate, warrants and represents to the Owner Trustee and to the Owners of the other Trust Certificates issued under the Trust Agreement and agrees not to transfer this Trust Certificate except in accordance with the Trust Agreement. This Trust Certificate and the Trust Agreement shall in all respects be governed by, and construed in accordance with, the laws of the State of Delaware (excluding conflict of law rules), including all matters of construction, validity and performance.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • · Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's ’s BAGEL Loan Program, CEDU XXXX Loan Program and ISLP Loan Program. • · Bank of America, N.A., dated June 30, 2006, for loans that were originated under Bank of America’s BAGEL Loan Program, XXXX Loan Program and ISLP Loan Program. · Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • · Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • · Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • · Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One’s Astrive and AstriveAlliance Education Loan Program. · Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s CFS Direct to Consumer Loan Program. • · Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's ’s Citibank Flexible Education Assistance Loan Program. • · Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's ’s College Loan Corporation Loan Program. • · Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's ’s Custom Educredit Loan Program. • · Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial ’s Edfinancial Loan Program. • · Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's ’s Extra Credit II Loan Program (North Texas Higher Education). • · Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's ’s M&I Alternative Loan Program. • · Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's ’s National Education Loan Program. • · Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • · Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's ’s NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START Education Loan Program. • · Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ’s WAMU Alternative Student Loan Program. • · Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (Program, including loans in the UPromiseUPromise Alternative Loan Program, Collegiate SolutionsSolutions Alternative Loan Program, College BoardBoard Alternative Loan Program, and Axiom Alternative Loan Programs). • Chase Manhattan Bank USAProgram, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra ThinkFinancial Alternative Loan Program. • · Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Alternative Loan Program, Compass Bank Alternative Loan Program, FinanSure Alternative Loan Program, Navy Federal Alternative Loan Program, and Xanthus Alternative Loan Program. • · Citizens Bank of Rhode Island, dated April 30October 1, 20042002, for loans that were originated under Citizens Bank of Rhode Island's Alternative ’s Penn State Undergraduate Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • · First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's ’s CASL Undergraduate Alternative Loan Program. • · GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student ’s Alternative Loan Program. • · HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • · The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's ’s Huntington Bank Education Loan Program. • · JPMorgan Chase Bank, N.A., (successor to Bank One, N.A.,) dated May 13, 2002, for loans that were originated under Bank One’s CORPORATE ADVANTAGE Loan Program, EDUCATION ONE Loan Program, and Campus One Loan Program. · KeyBank, dated May 12, 2006, for loans that were originated under KeyBank’s Private Education Loan Program. · Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's ’s Alternative Loan Program. • · National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's ’s National City Loan Program. • · National City Bank, dated July 21, 2006, for loans that were originated under National City Bank’s Referral Loan Program, including the Astute Private Loan Program. · PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Conforming Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and GE Money Bank Alternative Loan Prorgam, Old National Bank Alternative Loan Program, Regions Bank Alternative Loan Program. • , and Varsity Group Alternative Loan Program · Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Loan Program. • · SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's ’s SunTrust Alternative Loan Program. • · TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's ’s Alternative Loan Program. • · U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. U.S Bank's ’s Alternative Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • · Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's BAGEL ’s Private Loan Program, CEDU TXXX (School Channel) Loan Program and TXXX ISLP Loan Program. • · Bank of America, N.A., dated June 30, 2006, for loans that were originated under Bank of America’s Private Loan Program, TXXX (School Channel) Loan Program and TXXX ISLP Loan Program. · Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • · Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • · Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • · Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One’s Citibank Education Assistance Loan Program. · Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One’s College Loan Corporation Loan Program. · Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One’s National Education Loan Program. · Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • · Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START ’s Astrive and AstriveAlliance Education (f/k/a START) Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's WAMU Alternative Student Loan Program. • · Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromiseCharter One Bank Alternative Loan Program, E-Loan Private Loan Program, UPromise Alternative Loan Program, Collegiate SolutionsSolutions Alternative Loan Program, College BoardBoard Alternative Loan Program, and Axiom Alternative Loan ProgramsProgram, American Student Loan Services Private Loan Program, nBuy Private Loan Program, and ThinkFinancial Alternative Loan Program). • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • · Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Alternative Loan Program, ISLP Loan Program, Compass Bank Alternative Loan Program, FinanSure Alternative Loan Program, Navy Federal Alternative Loan Program, and Xanthus Alternative Loan Program. • · Citizens Bank of Rhode Island, dated April 30October 1, 20042002, for loans that were originated under Citizens Bank of Rhode Island's Alternative ’s Penn State Undergraduate Loan Program. • Citizens Bank of Rhode Island· Comerica Bank, dated April June 30, 20042006, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Comerica Bank’s Private Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • · HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • · The Huntington National Bank, dated May 20, 2003, for loans that were originated under The the Huntington National Bank's Huntington Bank Education Loan Program. • · InsurBanc, dated July 1, 2006, for loans that were originated under the InsurBanc Loan Program. · JPMorgan Chase Bank, N.A., (successor to Bank One, N.A.,) dated May 13, 2002, for loans that were originated under Bank One’s CORPORATE ADVANTAGE Loan Program, EDUCATION ONE Loan Program, and Campus One Loan Program. · KeyBank National Association, dated May 12, 2006, for loans that were originated under KeyBank’s Private Education Loan Program. · Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's the M&T Alternative Loan Program. • · National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's the National City Loan Program. • · National City Bank, dated July 21, 2006, for loans that were originated under the National City Referral Loan Program, including the Astute Private Loan Program and the Student Lending Works Private Loan Program. · PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, Fondo Futuro Loan Program, GE Money Bank Student Loan Program, Old National Bank Private Loan Program, and Regions Bank Alternative Private Loan Program. • Program · Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Student Loan Program. • · SunTrust Bank, dated March 1, 2002, for loans that were originated under the SunTrust Bank's SunTrust Alternative Loan Program. • · TCF National Bank, dated July 22, 2005, for loans that were originated under the TCF National Bank's Bank Alternative Loan Program. • U.S. · Union Federal Savings Bank, N.A.dated March 26, dated May 1, 20052007, for loans that were originated under U.S. Bank's Alternative the USFB Astrive Loan Program. Certificate No. ______ Wilmington Trust Company, not in its individual capacity, but solely as owner trustee (the “Owner Trustee”) under the Trust Agreement, dated as of September 20, 2007, with The National Collegiate Funding LLC and The Education Resources Institute, Inc., on behalf of the holders from time to time (each an “Owner”) of beneficial interests in the trust created thereby (the “Trust Agreement”), hereby certifies that ______________ is the owner of an undivided beneficial interest equal to the percentage listed on Schedule A to the Trust Agreement in the Trust Property provided for and created by the Trust Agreement. This Trust Certificate is issued pursuant to and is entitled to the benefits of the Trust Agreement, and each Owner by acceptance hereof shall be bound by the terms of the Trust Agreement. Reference is hereby made to the Trust Agreement for a statement of the rights and obligations of the Owner hereof. The Owner Trustee may treat the person shown on the register maintained by the Owner Trustee pursuant to Section 3.02 of the Trust Agreement as the absolute Owner hereof for all purposes. Capitalized terms used herein without definition have the meanings ascribed to them in or by reference in the Trust Agreement. Transfer of this Trust Certificate is subject to certain restrictions and limitations set forth in the Trust Agreement, including the requirement that any transfer requires the prior consent of owners of at least 85% of the Percentage Interests in the Trust. In the manner more fully set forth in, and as limited by, the Trust Agreement, this Trust Certificate may be transferred upon the books of the Owner Trustee by the registered Owner in person or by his attorney duly authorized in writing upon surrender of this Trust Certificate to the Owner Trustee accompanied by a written instrument of transfer and with such signature guarantees and evidence of authority of the Persons signing the instrument of transfer as the Owner Trustee may reasonably require, whereupon the Owner Trustee shall issue in the name of the transferee a Trust Certificate or Trust Certificates evidencing the amount and extent of interest of the transferee. The Owner hereof, by its acceptance of this Trust Certificate, warrants and represents to the Owner Trustee and to the Owners of the other Trust Certificates issued under the Trust Agreement and agrees not to transfer this Trust Certificate except in accordance with the Trust Agreement. This Trust Certificate may not be acquired or held by a Plan. By accepting and holding this Trust Certificate, the Owner hereof shall be deemed to have represented and warranted that it is not a Plan, unless it has provided the opinion of counsel described in Section 3.04(d) of the Trust Agreement. This Trust Certificate and the Trust Agreement shall in all respects be governed by, and construed in accordance with, the laws of the State of Delaware (excluding conflict of law rules), including all matters of construction, validity and performance.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's ’s BAGEL Loan Program, CEDU Loan Program and ISLP Loan Program. • Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's ’s CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's ’s M&T REFERRAL Loan Program • Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s (AMS) TuitionPay Diploma Loan Program. • Charter One Bank, N.A., dated July 15, 2003, for loans that were originated under Charter One’s Brazos Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's ’s Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's ’s College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 4, 2002, for loans that were originated under Charter One’s Comerica Alternative Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's ’s Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial ’s Edfinancial Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One’s Education Assistance Services Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s ESF Alternative Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's ’s Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's ’s M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's ’s National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One’s Navy Federal Alternative Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's ’s NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated March 17, 2003, for loans that were originated under Charter One’s PNC Bank Resource Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's ’s SAF Alternative Loan Program. • Charter One Bank, N.A., dated September 20, 2002, for loans that were originated under Charter One’s Southwest Loan Program. • Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's ’s START Education Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's ’s WAMU Alternative Student Loan Program. • Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromise, Collegiate Solutions, College Board, and Axiom Alternative Loan Programs)Program. • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's ’s Chase Extra Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Compass Bank Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s DTC Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Navy Federal Referral Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Xanthus Loan Program. • First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's ’s CASL Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • The Huntington National Bank, dated May 20, 2003, for loans that were originated under The Huntington National Bank's ’s Huntington Bank Education Loan Program. • Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's ’s Alternative Loan Program. • National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's ’s National City Loan Program. • PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, and Regions Bank Alternative Conforming Loan Program. • Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Loan Program. • SunTrust Bank, dated March 1, 2002, for loans that were originated under SunTrust Bank's ’s SunTrust Alternative Loan Program. • TCF National Bank, dated July 22, 2005, for loans that were originated under TCF National Bank's ’s Alternative Loan Program. • U.S. Bank, N.A., dated May 1, 2005, for loans that were originated under U.S. U.S Bank's ’s Alternative Loan Program.

Guaranty Agreements. Each of the following Guaranty Agreements, as amended or supplemented, was entered into by and between The Education Resources Institute, Inc. and: • · Bank of America, N.A., dated April 30, 2001, for loans that were originated under Bank of America's BAGEL ’s Private Loan Program, CEDU XXXX (School Channel) Loan Program and XXXX ISLP Loan Program. • · Bank of America, N.A., dated June 30, 2006, for loans that were originated under Bank of America’s Private Loan Program, XXXX (School Channel) Loan Program and XXXX ISLP Loan Program. · Bank of America, N.A., dated June 30, 2003, for loans that were originated under Bank of America's ’s Direct to Consumer Loan Program. • Bank One, N.A., dated May 13, 2002, for loans that were originated under Bank One's CORPORATE ADVANTAGE Loan Program and EDUCATION ONE Loan Program. • Bank One, N.A., dated July 26, 2002, for loans that were originated under Bank One's M&T REFERRAL Loan Program • · Charter One Bank, N.A., dated as of December 29, 2003 for loans that were originated under Charter One's ’s AAA Southern New England Bank Loan Program. • · Charter One Bank, N.A., dated October 31, 2003, for loans that were originated under Charter One's ’s AES EducationGAIN Loan Program. • · Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One’s Citibank Education Assistance Loan Program. · Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One’s College Loan Corporation Loan Program. · Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One’s Edfinancial Loan Program. · Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One’s Extra Credit II Loan Program (North Texas Higher Education). · Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One’s M&I Alternative Loan Program. · Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One’s National Education Loan Program. · Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's CFS Direct to Consumer Loan Program. • Charter One Bank, N.A., dated June 30, 2003, for loans that were originated under Charter One's Citibank Flexible Education Loan Program. • Charter One Bank, N.A., dated July 1, 2002, for loans that were originated under Charter One's College Loan Corporation Loan Program. • Charter One Bank, N.A., dated December 1, 2003, for loans that were originated under Charter One's Custom Educredit Loan Program. • Charter One Bank, N.A., dated May 10, 2004, for loans that were originated under Charter One's EdFinancial Loan Program. • Charter One Bank, N.A., dated September 15, 2003, for loans that were originated under Charter One's Extra Credit II Loan Program (North Texas Higher Education). • Charter One Bank, N.A., dated September 20, 2003, for loans that were originated under Charter One's M&I Alternative Loan Program. • Charter One Bank, N.A., dated November 17, 2003, for loans that were originated under Charter One's National Education Loan Program. • Charter One Bank, N.A., dated May 15, 2002, for loans that were originated under Charter One's ’s NextStudent Alternative Loan Program. • Charter One Bank, N.A., dated March 26, 2004, for loans that were originated under Charter One's NextStudent Private Consolidation Loan Program. • Charter One Bank, N.A., dated May 1, 2003, for loans that were originated under Charter One's SAF Alternative Loan Program. • · Charter One Bank, N.A., dated March 25, 2004, for loans that were originated under Charter One's START ’s Astrive and AstriveAlliance Education (f/k/a START) Loan Program. • Charter One Bank, N.A., dated May 15, 2003, for loans that were originated under Charter One's WAMU Alternative Student Loan Program. • · Charter One Bank, N.A., dated February 15, 2005, for loans that were originated under Charter One's ’s Referral Loan Program (including loans in the UPromiseCharter One Bank Alternative Loan Program, E-Loan Private Loan Program, UPromise Alternative Loan Program, Collegiate SolutionsSolutions Alternative Loan Program, College BoardBoard Alternative Loan Program, and Axiom Alternative Loan ProgramsProgram, American Student Loan Services Private Loan Program, nBuy Private Loan Program, and ThinkFinancial Alternative Loan Program). • Chase Manhattan Bank USA, N.A., dated September 30, 2003, as amended on March 1, 2004 and February 25, 2005, for loans that were originated under Chase's Chase Extra Loan Program. • · Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's ’s Alternative Loan Program, ISLP Loan Program, Compass Bank Alternative Loan Program, FinanSure Alternative Loan Program, Navy Federal Alternative Loan Program, and Xanthus Alternative Loan Program. • · Citizens Bank of Rhode Island, dated April 30October 1, 20042002, for loans that were originated under Citizens Bank of Rhode Island's Alternative ’s Penn State Undergraduate Loan Program. • Citizens Bank of Rhode Island· Comerica Bank, dated April June 30, 20042006, for loans that were originated under Citizens Bank of Rhode Island's Navy Federal Referral Comerica Bank’s Private Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's FinanSure Alternative Loan Program. • Citizens Bank of Rhode Island, dated April 30, 2004, for loans that were originated under Citizens Bank of Rhode Island's Xanthus Loan Program. • · First National Bank Northeast, dated August 1, 2001, for loans that were originated under First National Bank Northeast's CASL ’s Nelnet Undergraduate Alternative Loan Program. • GMAC Bank, dated May 30, 2003, for loans that were originated under GMAC Bank's GMAC Bank Student Loan Program. • · HSBC Bank USA, National Association, dated April 17, 2002, as amended on August 1, 2003 and May 14, 2004, for loans that were originated under the HSBC Loan Program. • · The Huntington National Bank, dated May 20, 2003, for loans that were originated under The the Huntington National Bank's Huntington Bank Education Loan Program. • · InsurBanc, dated July 1, 2006, for loans that were originated under the InsurBanc Loan Program. · JPMorgan Chase Bank, N.A., (successor to Bank One, N.A.,) dated May 13, 2002, for loans that were originated under Bank One’s CORPORATE ADVANTAGE Loan Program, EDUCATION ONE Loan Program, and Campus One Loan Program. · KeyBank National Association, dated May 12, 2006, for loans that were originated under KeyBank’s Private Education Loan Program. · Manufacturers and Traders Trust Company, dated April 29, 2004, for loans that were originated under Manufacturers and Traders Trust Company's the M&T Alternative Loan Program. • · National City Bank, dated July 26, 2002, for loans that were originated under National City Bank's the National City Loan Program. • · National City Bank, dated July 21, 2006, for loans that were originated under the National City Referral Loan Program, including the Astute Private Loan Program. · PNC Bank, N.A., dated April 22, 2004, for loans that were originated under PNC Bank's ’s Alternative Loan Program, Brazos Alternative Loan Program, Edvisors Alternative Loan Program, Fondo Futuro Loan Program, GE Money Bank Student Loan Program, Old National Bank Private Loan Program, and Regions Bank Alternative Private Loan Program. • Program · Sovereign Bank, dated April 30, 2004, for loans that were originated under Sovereign Bank's ’s Alternative Student Loan Program. • · SunTrust Bank, dated March 1, 2002, for loans that were originated under the SunTrust Bank's SunTrust Alternative Loan Program. • TCF National · Union Federal Savings Bank, dated July 22March 26, 20052007, for loans that were originated under TCF National Bank's Alternative the USFB Astrive Loan Program. • · U.S. Bank, N.A.Bank National Association, dated May 1, 2005, for loans that were originated under U.S. Bank's the U.S Bank Alternative Loan Program.