**3-month London Interbank Offered Rate ("LIBOR") as published in The Wall Street Journal on the first business day of the calendar month immediately preceding Change Date for Private Student Loans.
View the Truth in Lending Disclosure for information about the costs of a Variable Rate Private Student Loan.

View the Truth in Lending Disclosure for information about the costs of a Fixed Rate Private Student Loan.

**3-month London Interbank Offered Rate ("LIBOR") as published in The Wall Street Journal on the first business day of the calendar month immediately preceding Change Date for Private Student Loans.
View the Truth in Lending Disclosure for information about the costs of a Variable Rate Private Student Loan.

View the Truth in Lending Disclosure for information about the costs of a Fixed Rate Private Student Loan.