5. We calculate the amount of the Interest Rate Reduction as follows:

- If your consolidated balance at time of funding is up to and including $60,000.00, then you qualify for a 1.00% Interest Rate Reduction after thirty-six (36) on-time payments.

- If your consolidated balance at time of funding is over $60,000.00, then you qualify for a 1.25% Interest Rate Reduction after thirty-six (36) on-time payments. 6. There is a minimum of 1.00% and a maximum of 1.25% Interest Rate Reduction you can earn depending upon your funded loan balance. 7. We base the program on you making the qualifying number of on-time payments. A payment is considered ?on-time? if it is received no more than 14 days after the due date.  If we receive a returned check for any qualifying payment, the amount of the returned check will be added to your loan balance, and the payment will be considered late.  Periods of authorized deferment and forbearance are disregarded in determining which payment is the ?first? payment and determining whether payments are considered ?consecutive?. 8. You cannot combine payments from any other student loan to meet the qualifying payments requirement. 9. At time of calculation, we will calculate any Interest Rate Reductions only if your student loan is open and in repayment status. 10. You can receive an Interest Rate Reduction only once during the term of your loan. 11. Interest Rate Reductions will only be made if your student loan is open and in repayment status. 12. To avoid forfeiting this Interest Rate Reduction, you must continue to make on-time monthly payments.  If your account becomes any status other than in repayment, in forbearance, or in deferment for any period during your loan, you do not have the right to receive an Interest Rate Reduction and we will terminate your eligibility for participation in the program. 13. Customers enrolled in the Goal Financial Interest Rate Reduction Program are not eligible for Goal Financial's other loyalty or reward programs, including but not limited to the Goal Financial Cash Back Rebate program. Similarly, Customers enrolled in the Goal Financial Cash Back Rebate Program are not eligible for Goal Financial's other loyalty or reward programs. The only exception to this is that you may also apply for and receive a 0.25% reduction in the rate at which interest accrues on your loan for making your payments by automatic debit, if set up directly with our loan servicer. 14. We will notify you by mail of your Interest Rate Reduction. All interest rate reductions will be effective as of the day after the posting date of your thirty-sixth and qualifying payment. 15. Goal Financial reserves the right to adjust Interest Rate Reduction amounts. For example, if you receive an Interest Rate Reduction in excess of the amount you should have received, we will adjust your interest rate and your loan balance for the erroneous interest rate reduction. 16. You should allow 90 days from the time you send your qualifying payment for the notification of your Interest Rate Reduction. 18. You may not transfer or assign your Interest Rate Reduction.

19. Liability for any tax on any benefits provided to you pursuant to this program shall be your sole responsibility. We recommend that you contact your own accountant or tax advisor in this regard. 

24. In the event that you claim that you are eligible for the Interest Rate Reduction but have not received it, then you must provide verification to our satisfaction as to your claim of an entitlement. All reduction claims are subject to our verification checks and procedures, as determined by us in our discretion. We must receive all inquiries regarding claims within ninety (90) days of the date that you claim you became fully eligible for the Interest Rate Reduction. 27. The Terms and Conditions of this program are subject to change without notice. 28. The Terms and Conditions of this program are void where prohibited by law. 29. If a court of competent jurisdiction finds any provision of these Terms and Conditions to be void, then the court shall strike the offending provision while giving the remaining provisions full force and effect. 30. Goal Financial, LLC may suspend or terminate this Program at any time with or without notice and without liability to you or any other person. 31. The laws of the State of California shall govern and be used to construe these Terms and Conditions.