Terms of Use

Last Updated: October 25, 2010

This Site is owned and maintained by Student LendingWorks, Inc. ("Student Lending Works") to provide you with information about our organization, our products and the educational programs that we support. We welcome you to browse this Site; however your access to and use of this site are subject to these Terms of Use ("Terms") and all applicable laws. By accessing this site, you acknowledge and accept these Terms. You also agree to abide by all applicable local, state, federal, and international law in your use of this Site. You agree not to use this Site in any manner not intended by Student Lending Works.

Amendment of the Terms
We reserve the right to amend these Terms without notice to you. If we decide to change these Terms we will post those changes here. You should visit this section of our Site regularly in order to remain informed of any changes. Any such amendment shall be effective once the revised terms have been posted on this Site and your use of this Site indicates your acceptance of any modified terms.

Modification of Site and Services
We reserve the right to modify this Site and/or its Services at any time, with or without notice to you. At our sole discretion we may terminate, change, suspend, or discontinue any aspect of the site, including, but not limited to, content features, benefits and hours of availability. We may also impose limits on certain features of the Site and restrict all or part of your access to this Site, without notice to you, and without being subject to penalty.

CAUTION CONCERNING FORWARD-LOOKING STATEMENTS
Documents on this website may contain forward-looking statements that are based on the expectations, estimates, projections and assumptions made by or on behalf of the issuer, Student Lending Works or the administrator for the respective issue. Words such as “ expects,” “ anticipates,” “ plans,” “ believes,” “ scheduled,” “ estimates,” “ continues,” “ remai ns,” “ maintains,” and variations of these words and similar expressions are intended to identify forward-looking statements. Forward-looking statements may include, but are not limited to, projections of cash flows, loan repayment or deferment rates, interest rates, increases in financing costs, limits on liquidity, and bond redemptions. These statements are not guarantees of future performance or events and involve certain risks and uncertainties, which are difficult to predict. Therefore, actual future results, trends, and events may differ materially from what is forecast or assumed in forward-looking statements due to a variety of factors, including, without limitation each of the risk factors stated in the offering documents for the respective issue, as well as changes in or to:

• the demand for educational financing or in financing preferences of lenders, educational institutions, students, and their families;
• the general interest rate environment, including the rate relationships among relevant money-market instruments, and in the securitization markets, which may increase the costs or limit the availability of financings necessary to initiate, purchase, or carry education loans;
• projections of losses from loan defaults;
• student loan borrower behavior affecting loan repayment and deferment rates;
• prepayment rates and credit spreads;
• legislation regarding student loans or tax policies;
• whether the issuer is able to obtain bondholder consents to certain actions affecting the bonds; and
• the ratings assigned by rating agencies to certain bonds.

All forward-looking statements speak only as of the date of their report or, in the case of any document incorporated by reference, the date of that document. All subsequent written and oral forward-looking statements attributable to the issuer or any person acting on the issuer’ s behalf are qualified by the cautionary statements in this section. The issuer does not undertake any obligation to update or publicly release any revisions to forward-looking statements to reflect events, circumstances or changes in expectations after the date of this report.

Warranty Disclaimer
THIS SITE IS PROVIDED TO YOU "AS IS" WITHOUT ANY EXPRESSED OR IMPLIED WARRANTY INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. STUDENT LENDING WORKS MAKES NO WARRANTY THAT THIS SITE IS OR WILL BE MAINTAINED FREE OF VIRUSES, WORMS, TROJAN HORSES AND OTHER HARMFUL CODE THAT MANIFESTS DESTRUCTIVE PROPERTIES. STUDENT LENDING WORKS DISCLAIMS ANY WARRANTY THAT THE CONTENTS OF THIS SITE ARE ERROR FREE OR THAT ANY ERRORS WILL BE CORRECTED. STUDENT LENDING WORKS MAKES NO WARRANTY THAT THIS SITE WILL MEET YOUR EXPECTATIONS OR OPERATE IN A MANNER THAT IS TIMELY OR UNINTERRUPTED. STUDENT LENDING WORKS DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY STATEMENT, OPINION OR ADVICE MADE BY ANY PARTY OTHER THAN STUDENT LENDING WORKS.

Limitation of Liability
Student Lending Works specifically disclaims any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, consequential, common law, statutory, regulatory, compensatory, punitive or special damages of any kind arising out of or in any way connected with your access to or use of this Site (even if Student Lending Works has been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect a user's computer equipment. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Therefore, such exclusions may not apply to you.

Indemnity
You agree to indemnify and hold harmless Student Lending Works, its subsidiaries, parent companies, affiliates, officers, agents, employees, partners and licensors from all claims, losses, expenses, damages and costs, including reasonable attorneys' fees, arising out of or relating to use of this Site by you.

Third-Party Sites, Products and Services
This Site contains information provided by and links to third parties other than Student Lending Works. Student Lending Works does not represent that it has a business relationship with the third-party and is not responsible for the content or performance of third-party sites or your transactions with them. Furthermore, Student Lending Works disclaims all liability and makes no warranties for any products or services sold or provided by any third-party. Any transaction with a third-party is subject to the agreements and/or the terms and conditions of the third-party. Third-party links do not imply that Student Lending Works is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo, or copyright symbol of Student Lending Works.

Copyright/Trademark
All contents of this Site including but not limited to trademarks, service marks, logos and written content are protected by copyright. These contents may not be modified, copied, distributed, displayed, licensed, sold, transmitted, published, or used to create derivative works for public or commercial purposes without the express written permission of Student Lending Works.

Privacy Policy
You should read our Privacy Policy, which is incorporated by reference into these Terms of Use. By using the Site, you agree to the Privacy Policy.

Applicable Law
These Terms are governed by and will be construed in accordance with the laws of the United States and the State of Ohio. Any disputes arising under or in connection with these Terms, or your access to or use of the Site shall be subject to the exclusive jurisdiction of the State of Ohio and federal courts located in the Southern District of Ohio.

Comments
If you have any comments or questions about or Site please contact our customer service department by email.