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FACTS WHAT DOES THE U.S. DEPARTMENT OF EDUCATION (Dept, of Ed) DO WITH YOUR PERSONAL INFORMATION?

Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:Social Security number and account balances Payment history and account transactions Credit history informationWhen you are no longer our customer, we continue to share your information as described in this notice. How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons the Dept, of Ed chooses to share; and whether you can limit this sharing.

Reasons Reasons we can share your personal information Does the Dept,

of Ed share?	Can you limit this sharing?

For our everyday business purposes-such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes-to offer our products and services to you No We don't share For joint marketing with other financial companies No We don't share For our affiliates' everyday business purposes-information about your transactions and experiences No We don't share For our affiliates' everyday business purposes -information about your creditworthiness No We don't share For nonaffiliates to market to you No We don't share

Who we are Who te providing this notice? The U.S. Deparment of Education (Dept. of Ed)

What we do How does the Dept, of Ed protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does the Dept, of Ed collect my personal information? We collect your personal information, for example, when you: apply for a loan or open an accountprovide account information or give us your contact information pay us by checkWe also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can't 1 limit all sharing? Federal law gives you the right to limit onlysharing for affiliates' everyday business purposes- information about your creditworthinessaffiliates from using your information to market to you sharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.The Dept, of Ed has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.The Dept, of Ed does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.The Dept, of Ed doesn't jointly market.