For purposes of these Terms and Conditions ("Terms and Conditions"), the following definitions apply: "National City Bank", "we", "us", or "our" means National City Bank, Cleveland, OH, its successors and/or assigns.  "Goal Financial" means Goal Financial, LLC, 1229 King Street 3rd Floor, Alexandria, VA 22314. "You" or "your" means education loan borrowers of National City Bank and/or Goal Financial whose loans meet the eligibility requirements.

"Program" means the "Goal Advantage Consolidation Loan Interest Rate Reduction Benefit."

1. Eligibility is restricted to borrowers that have a Goal Advantage Consolidation Loan that was originated by National City Bank and:

-Are not enrolled in any other borrower benefit, loyalty or reward program for the same Goal Advantage Consolidation Loan; and

-Are in repayment status at the time of calculation of the reduction; and

-have made the first forty-eight (48) consecutive, regularly scheduled full monthly payments on-time; and

-Whose eligible loan was first disbursed on or after 8/22/2007.

2. We accept no responsibility for late, lost or misdirected mail.

3. We base the Interest Rate Reduction as follows:

      - For Fixed Interest Rate Goal Advantage Consolidation Loans, we base the Interest Rate Reduction on the Interest Rate disclosed to you on the initial Disclosure Statement provided upon loan disbursement.

      - For Variable Rate Goal Advantage Consolidation Loans, we base the Interest Rate Reduction on the Margin disclosed to you on the initial Disclosure Statement provided upon loan disbursement.

4. We calculate Interest Rate Reductions on the first day of the month following the date you meet eligibility requirements.

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

- You will receive a 0.50% Interest Rate Reduction after making the first forty-eight (48) consecutive, regularly scheduled full monthly payments on-time.

7. A payment is considered "on-time" if it is received no more than 10 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. Payments made on any other education loan(s) will not qualify you for the benefits contained in this Program.

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. Borrowers enrolled in the Goal Advantage Consolidation Loan Interest Rate Reduction Benefit Program are not eligible for any other Goal Advantage Consolidation Loan borrower benefit or loan 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.

15. We reserve 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. 

21. As a condition of participating in this Program, you agree that (1) all disputes that cannot be resolved between us, and causes of action arising out of or connected with this Program, shall be resolved individually, without resort to any form of class action, and exclusively by final and binding arbitration under the rules of the American Arbitration Association and held at the AAA regional office nearest Alexandria, Virginia; (2) the Federal Arbitration Act will govern the interpretation, enforcement and all proceedings at such arbitration; and (3) judgment upon such arbitration award may be entered in any court having jurisdiction. Under no circumstances will you be permitted to obtain awards for, and you hereby waive all rights to claim punitive, incidental or consequential damages, or any other damages, including but not limited to attorneys fees, other than your actual out-of-pocket expenses (i.e., costs associated with entering this Program). You further waive all rights to have damages multiplied or increased.

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. We 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.

You should direct any questions regarding this program to Goal Financial Customer Service at 800-869-1538.