Confidential Materials omitted and filed separately with the Securities and Exchange Commission. Asterisks denote omissions. ELEVENTH AMENDMENT TO GATE STUDENT UMBRELLA AGREEMENT and SECOND AMENDMENT TO GATE UNIVERSAL UMBRELLA AGREEMENTUniversal Umbrella Agreement • February 8th, 2006 • First Marblehead Corp • Personal credit institutions
This Eleventh Amendment to GATE Student Umbrella Agreement and Second Amendment to GATE Universal Umbrella Agreement (this “Amendment”) is entered into this 29th day of November, 2005, by and among Bank of America, National Association, a national banking association (“Program Lender”), The First Marblehead Corporation, a Delaware corporation (“Marblehead”), and The National Collegiate Trust, a Delaware business trust (“NCT”). Capitalized terms used herein without definition have the meanings given to them in the GATE Student Umbrella Agreement (as defined below) or the GATE Universal Umbrella Agreement (as defined below), as applicable.
