¹ Repayment begins six months after graduating or leaving school.

² Loans subject to qualification.

³ Wells Fargo may discontinue or modify rewards for future disbursements at any time without notice.

⁴ Reduce interest rate [by a total up to 1.00%] if you satisfy one or more of the following: you or your cosigner have a qualifying Wells Fargo relationship at the time of application [0.25% - 0.50%, depending on the relationship]; you qualify for the Wells Fargo Student Graduation Benefit^SM Reward [0.25%]; or you authorize automatic payments from your personal checking or savings account [0.25%] (this rate reduction will be effective the day after the first automatic withdrawal is made). Different discounts may be combined, except that only one relationship discount will apply. You will automatically receive the highest applicable relationship discount. For details, including eligibility requirements, visit us at wellsfargo.com/student.

* The interest rate is variable and can increase and/or decrease over the life of the loan. If Prime changes, change is monthly on first day of month. Prime Rate subject to 3.25% minimum (Variable Floor Rate).

¹ Subject to normal credit approval. Loan approval subject to program guidelines. Program rules and qualifications are subject to change at any time without notice.

²To be eligible, loan application must be received on or after August 1, 2011 and loan proceeds must be disbursed prior to graduation date. Graduation Perk requires proof of graduation date, and Good Grades Perk requires proof of graduation date and cumulative GPA of 3.30 or higher, which must be submitted by the borrower no later than 12 months after graduation date. 2% principal reduction for Graduation Perk and 1% principal reduction for Good Grades Perk will be credited to the student loan account balance and are based on the original amount financed, excluding loan fees, interest (including accrued and unpaid interest which may be capitalized at repayment) and any loan proceeds returned by school or not disbursed. Borrower cannot be delinquent or in default at the time of request. Loans that are consolidated, refinanced or paid in full prior to redeeming the perk(s) are not eligible.

³ The automatic payment is a requirement to be qualified for the interest rate reduction benefit. Auto-payment is set up through your loan servicer. If the auto-payment is cancelled by the borrower, the rate reduction benefit is lost but may be reinstated. If the auto-payment feature is revoked, the rate reduction benefit is lost and cannot be reinstated even if automatic payments are re-established on the loan.

⁴ Interest will continue to accrue during period of deferment. This deferred interest, if not paid, will be capitalized (added to your principal loan balance, and interest will accrue on this new balance) at repayment.

⁵ No Fee Loan Payment example: A $10,000 student loan at a constant interest rate of 3.45%, assuming a 45-month in-school period, a six month grace period (i.e., a 51-month "interim period") and 15 years in repayment, would require a monthly payment of $81.67. The interim APR would be 3.27%; the repayment period APR would be 3.39%. APR is variable and may increase or decrease after consummation. Consummation occurs upon disbursement of loan proceeds.

⁶ Fixed Rate Loan payment example: A $10,000 student loan at 7.99% fixed Interest rate and a 2% reserve fee ($200) for a total of $10,200 borrowed, and assuming a 45-month in-school period, a six month grace period (i.e., a 51-month "interim period") and 15 years in repayment, would require a monthly payment of $130.48. The interim APR would be 7.61%; the repayment period APR would be 7.80%.

CitiAssist^® Loan APR Examples

Please note the following as you review the examples below: The Deferment Term is an estimate of the number of months a student would be in school and have payments deferred. The Principal Amount Entering Repayment is based on the assumption that interest accrues during the in-school period and is capitalized when the loan enters repayment. The Repayment Term is the number of months over which the loan will be repaid.

APR Example for CitiAssist^® Loan for Undergraduates

APR Example for CitiAssist^® Loan for Graduates

The interest rate may vary and is indexed to the 3-month London Interbank Offered Rate (LIBOR), as published in the "Money Rates" section of The Wall Street Journal, rounded up to the nearest one-eighth of one percent, plus or minus a margin. As of Friday, December 16, 2011, the 3-month LIBOR Index, rounded up, was 0.625%. The variable rate is determined quarterly on the first day of January, April, July, and October based on the published LIBOR Index 15 days prior to those dates. The Annual Percentage Rate (APR) for a loan will increase if the 3-month LIBOR Index increases and would result in higher monthly payments, an increase in the number of scheduled payments, or both.

¹ PNC Solution Loans are subject to credit approval.

² 0.50% interest rate reduction is available as long as payments are automatically deducted from any checking or savings account. The interest rate reduction benefit is lost if automatic payment deduction is discontinued.

³ Students may choose to defer repayment until six months after graduation or ceasing to be enrolled at least half time in school. Interest-only and immediate repayment options are also available. Interest will accumulate while the student is enrolled in school if payments are deferred. If interest is not paid, the accumulated interest will be added to the principal at repayment.

⁴ Effective 10/1/2011, interest rates range from 3.50% to 11.20% and APRs range from 3.40% to 11.20%. The monthly payment for the immediate repayment option at a rate range of 3.50% to 11.20% for 180 months on a $10,000 loan means you would make 180 payments which may range from $71.49 to $114.92 based on 30 days to first payment due date. All figures are for PNC Solution Loan for Undergraduates. Other terms and conditions may apply to other PNC Solution Loan programs.

Please note: PNC reserves the right to modify or discontinue the terms of this program at any time without notice. Visit pnconcampus.com for additional information, terms and conditions about our loan programs.

© 2011 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association.
Member FDIC

¹ For CitiAssist Loans, the interest rate charged is based on the applicants' credit scores and other factors. You may apply for a loan on your own. However, if you do not have an established credit history you may apply with a qualified co-signer to increase your chances for approval and potentially receive a lower interest rate. International borrowers must always apply with a U.S. citizen or permanent resident co-signer. Co-signers may be released from the loan if the borrower has made the first 24 consecutive monthly principal and interest payments by the due date and the loan must remain current while the request is processed. The borrower must meet credit underwriting requirements and be a U.S. citizen or permanent resident at the time the release is requested. The three-minute response is for applications submitted Monday to Friday from 7:00 a.m. to 11:00 p.m. E.T. Additional documentation and data verification may be requested for loan approval. Visit studentloan.com for up-to-date product information.

Effective January 1, 2012, our interest rates will range between 3.375% and 9.625%, based on the three-month LIBOR Index as published in the "Money Rates" section of The Wall Street Journal rounded up to the nearest one-eighth of one percent, plus or minus a margin. As of Friday, December 16, 2011, the three-month LIBOR Index, rounded up, was 0.625%

² Our auto-debit payment program provides a 0.25% interest rate reduction during repayment when a borrower enrolls in the program and agrees to receive only electronic statements. To retain this borrower benefit and avoid late fees, you must make and have your payments posted to your account no later than the scheduled due date. Any payment posted after the due date will result in the termination of such benefit. The interest rate reduction does not apply during periods of deferment or forbearance and automatically terminates upon loan delinquency, default or for payments returned due to insufficient funds or other reason.

³ Subject to maximum allowed aggregate borrowing limits and payment-deferral periods.

We reserve the right to modify or discontinue benefit programs at any time without notice. Any termination or modification of the program will not affect the terms of loans previously made. Specific terms and conditions apply, visit studentloan.com or call us at 1-800-STUDENT.

¹ 15 and 20 year terms are only available for loan amounts of $5,000 or more.

² ACH discount(s) only apply when full payments (including both principal and interest) are automatically drafted from a bank account. Discount(s) will remain on the account unless (1) the automatic deduction of payments is stopped (including times during deferment or forbearance) or (2) there are three automatic deductions returned for insufficient funds within the life of the loan. The additional SunTrust ACH reward is available for loans first disbursed on or after 6/1/11 and will be applied after the first automatic payment is successfully deducted from a SunTrust Bank checking, savings or money market account.

³ Proof of graduation (certified copy of diploma) must be submitted within 90 days of graduation. 1% principal reduction is based on the fully disbursed loan amount. To receive the reward, no more than one late payment (payment received more than 10 days after the due date) is allowed.

⁴ Payments may be deferred while a student is enrolled at least half-time at an approved school and during the 6 month grace period after graduation or dropping below half-time status. Interest will continue to accrue while your payments are deferred, and it will be capitalized (added to your principal loan balance) when repayment begins.

⁵ Request for the cosigner to be released can be made after the first 48 consecutive, on-time payments (not later than ten days after the due date) of principal and interest have been made. The borrower must meet credit criteria on their own at the time of the request. The borrower must also be currently enrolled for automatic deduction of monthly payments from a bank account and must not have used forbearance on the loan prior to the request.

Certain restrictions and limitations may apply. SunTrust reserves the right to change or discontinue these programs without notice. All loan programs are subject to approval and may not be available in certain jurisdictions.

¹ Savings based on typical loan to a freshman borrower attending a degree-granting institution.

² Competitive rates based on November 11, 2011 review of rates of national competitors. Rates and fees shown are available for the Smart Option Student Loan and are available for borrowers attending degree-granting institutions only. Interest rates on loans with the Fixed and Deferred Repayment Options are higher than rates on loans with the Interest Repayment Option. APRs for borrowers attending non- degree granting institutions range from 8.13% to 13.88% with an origination fee up to 5%. Origination fees mean application or disbursement fees. Interest rates are variable and may increase after consummation.

³ While a Upromise member, primary borrower (must be of age of majority - typically 18 years old) can earn reward into his or her Upromise account of 2% of the scheduled loan payment amount for each on time payment during the in school and separation periods. After two consecutive past due payments, the loan is no longer eligible for the reward. Benefit subject to the terms and conditions of the Upromise service (as may be amended from time to time), including without limitation, restrictions on conversion, transfer and redemption of rewards, reward denomination, including whether and under what circumstances the rewards have independent cash value, and terms relating to fees and/or the forfeiture of rewards. Upromise Accounts are not FDIC insured, carry no bank guarantee and may lose value.

⁵ To qualify for cosigner release, borrower must meet age of majority requirements, be a U.S. citizen or permanent resident and meet the underwriting requirements when the release request is processed.

SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK THE SALLIE MAE WEBSITE (www.salliemae.com) TO OBTAIN THE MOST UP-TO-DATE PRODUCT INFORMATION.

Information advertised valid as of December 15, 2011.

The Sallie Mae logo is a service mark of, and Sallie Mae, Sallie Mae Bank, Smart Reward, and Smart Option Student Loan are registered service marks of Sallie Mae, Inc. Upromise is a registered service mark of Upromise, Inc. SLM Corporation and its subsidiaries, including Sallie Mae, Inc. and Upromise, Inc., are not sponsored by or agencies of the United States of America.

Smart Option Student Loans are made by Sallie Mae Bank^® or a lender partner.

¹ The current interest rate in effect as of 7/1/2011 ranges from 2.81%to 9.20%. The applicable interest rate for each calendar quarter shall be based on the average of the One-month London Interbank Offered Rate ("LIBOR") published in the "Money Rates" section of The Wall Street Journal (Eastern Edition) on the 1st day of each of the three previous calendar months, or the next business day thereafter, rounded to the nearest 1/100th percent (.01%). LIBOR stands for London Interbank Offered Rate. Your variable interest rate and Annual Percentage Rate (APR) may be higher depending upon your and your cosigner's credit history and will increase or decrease if the One-month LIBOR index changes. The current One-month LIBOR index was 0.21% on 7/1/2011.

² To qualify, simply arrange with your loan servicer to automatically deduct monthly principal and interest payments from a bank account. The automatic payment benefit will discontinue and be lost for the remaining repayment period in the event any three payments are returned for insufficient funds over the life of the loan. This benefit is not available for interest payments made during the Deferment Period for the Interest-Only Repayment Option or Student Starter (partial interest payment) Option. This benefit may be terminated during deferment and forbearance periods.

³ Additional interest rate reduction of 25 basis points (0.25%) for borrowers who have made on-time monthly principal and interest payments (received within 10 days of the due date) for a minimum of the first 36 consecutive months. The borrower must have elected to use automated electronic payments prior to the 36th such payment. To qualify, contact your loan servicer after making the first 36 consecutive principal and interest payments on time.