Preview
FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021
"C"
Exhibit
FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021
Web L-03 /11/ 2 0 03 - 0002. . . • • . • •__ ___ • a • •••
Group'
L aŕAgredl Access
aggggg Ap
20
Ilcatio
2-2003
d
Privhte*Lodn
Progratns'
rd f¼r
g r o u ps w.. ,.. me,e M,e...n,-.,,,,s.,,a,,non Ms ,,mos
subject1opena thatmayIncludenesorimplisonmentunder
theUnhad StatesOlminalCode. AccessGroup,1no,PA Ekat171e2, DE 18e60-71s:
wilmington,
1. Borrower 1.astName Barrower IMN(ne ॥ * lornmer Middle initial 2. Bommer Social SecurRyNumber
‡ ,
MATTEO -- _ . STEVTN•• • • • • ••• 3 _
3. Borrower Date at Birth (MM/DD/YYYY' 4. Driver's l.icense Number (UsttmHetterstateabbreviaton
first.) 5. Citizenship status: U.S.Citizen,National. Intemational
(Checkone E
State: NY Number en a n
6. E½rmanentUA Address (NeitheranaddressoutsidetheU.S.or U.S.Thrritories
nora P.O.BoxIs acceptable.)
street183 QUEEN STREET City STATEN I SLAND State_NY zigi Code 10314
7. Home TblophoneNumber (
& Current Mailing Address (Anaddressoutsidetheus.or U.8,lhniloriesis notscooptabia)Nsameas PermanentAddress,wdro*sameas atme?
street 183 QUEEN STREET . _cny STATEN I SLAND . State NY Zip Code10314
9. Current'IbtephoneNumber ( 10. E-mail AddresaST2 2MANSAOECOM
11. Personal References(nvoseparateadultreferences
withdinerant arerequired- RO.BaNes notaccepted.Both ererences
- U.S. mustbecompleted
fuUy.)
A. Name PHILIP MATTEO . .. ._ . - B. Name CHRISTOPHER MATTEO
Address(Permanent) 25 6 WARDWELL AVENUE _ __ Address(Permanent)2 8 7 CASWELL AVE
citySTATEN ISLAND State NY zip 10314 City STATEN ISLAND state NY 7in10314
- -
TelephoneNumber ( 718 y 727 . 0536 TelephoneNambitr r 718 1 698 . . - 15.04
12. I.oun Amount Requested 13. Are you also ihe student for whom this loan Is requested? No,
Ws,
8 , 0 00 .00 fY••,8kÎP fields 14 end 15. I amthe student. I am the epomicr.
14. Current Employerinformation 15. Gross Monthlyincome
Company Name TblephoneNumber ( ). -
Address alue n on
Cry __State Z5 Code $ ,00
Borrov er Requestfor Loan, Promiseto Pay, and Signature
PLEASEREADYOUR IMPORTANT NU11CESANDBORROWER CERT1RCAT(0N,AND THESTATEMENT0FLOANTERMS AND00NIMil0N891THEIR Elf TlRETYBEFORESIGNING.
I requesta foanfromNationalCityBank(the"1.ends in theamountsettorthasthe"LoanAmount ested"1nfield12 undertheloan rogram for which u determine
"Application' meto be 'ble.
basedonthe Informationl haveprovidedfanmilmanstatus,pro ramof study,andcitizenshipstatu In thlsA " plfcationand n reemen(tlie . I havereadandunde d
theBarrowerCertification,the ImportantN dtheapplicable tamentof LoanTennsandCond s the tementof Terms")w 1chaccom (andareIncorporated bythisreferenceinto)
thisApplication.I declareunderpenaltyof thateachofthestatementsinthis AppEcation andinthe orrowerCertification is true,conuct complete.I to beboundby tits Borrower
andbyeachof thetem1sandco
Certificidion nsoftheStatementof-lbrms.I understand
thattheamountandcertainothertermsof rayloanwillbedescribed to me na separaleDisclosme Statement.
I promiseto pay,to theorderof the Lander,theprincipalsumadvancedto meor paidon my behalf,togetherwth interestthereonandallotheramountsprovidedfor in theStatementof Terms.
If you signthisdocumentation s- a) Donot s n this beforeyoureadthe ImportantNoticesandBorrowerCertificationandtheaccompanIngStatementof Loan
in WisconstreNoticeto Customer
Termsand Conditions.evenif otherwiseadvised.(b) Donot n Is if ft co blankspaces.(c) Youareentitledto anexactcopyof anyagreementyousign.( Youhavethe rightat
any timeto payin advanca theunpaidbalance dueunderth ment entitledto a partialrefundof thefinancecharge.
CAUTIO_N--1718 IMPOlTIANTTHAT E U SIGNIT.
1Â uture of Borrower 17. Date
18. Student I.ast Name Student Rest Name Student Middle Initial 19. Student Soolal Secu Number
MATTEO STEVEN
20. M/DD/YYYY) 21. School Name
TOURO COLLEGE JACOB D. FUCHSBERG LAW CENTER
22. Enrollment period for which loan Is requested (MM/YYYY) 23. EnroffmantStatus
From: 01 / 2003 Tb·.. 12 / 2003 . At least half time
Less than half time
24. Check only one box to indicate the program for which you will be enrolled. I.lst program of study code where requested. See Instructions.
Dental Law Graduate Health rprogramCode) CondnuingEducation/Certificate
Program (ProgramCeda)
Busine Medical Other Graduate/Professional (PmgrarnCode) Undergraduate (Programcode)
Ac=:G=p:any educdional
1authorts institut|on attend landersubsequent ortheiragents,
holder, andtothebonewerldsatiled anyinfamdionportlnent
onthisappical|on, totilisloan(includng
information as
onthisapplicdian
requested statue).lfthisloan(oranyputthereof)|s Ia;=±±=/lunds
opiceled, (or icable put thathaveeendisbursed tome.
25. Signature of Student -- 28. Date /
27. School Name . . 28. DOESchoolCode DOEBranchCode 29. Level
TOURO COLLEGE JACOB D . FUCHSBERG LAW CEN 010142 -03
30. I.ean Po od TEo--iYY) 31. A clpated Graduation Date (MM/DO/YYYY) 32. Certi to Loan Arnount
From: ff /( fh / fyp f /) $ ( ( .00
33. Chec½only one box to ind to the program éf study which the student will be enrolled. if necessary, see School Certification inammHana
Dental Law . _ Graduate Health . _ Continuing Education/CortifÎcateProgram
Graduate Business/MBA Medical Other Graduate/Professional Undergraduate
D'
34. ed ursement (s) (niiiviiüufÑñ)
1st / / / O 2nd / / 3rd / / 4th / /
35. Recornme DiebursemernAmount(s)
1st $ fb .00 2nd $ .00 3rd S .00 4th $ .00
My signaturecertifis that I amanauthorlredofficialof thein listedin fiefI 27 a I avareadandagreeto the"SchoolCertification"and,baseduponthe recordsavailable
to the
institutionlistedin field 27, theInformationprovidedaboveI ato the my knowledgeandbelief.
35. Signature of Authorized School Official 37. Date
Access logoaregagistered
GroupandIhemortarboard trademarks
o1AccessGroup,
Inc.
ORI-GINAL .
FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021
Important Notices and Borrower Certification
Criminal Penalties 18 U.S.C. §1014 If you sign the Application and Loan Agreement in Ohio:
Whoever knowingly makes any false statement or report, or willfully The Ohio laws against discrimination require that all creditors make
overvalues any land, property or security, for the purpose of influencing in credit equally available to all creditworthy customers, and that credit
any way the action of . any institution the accounts of which are insured reporting agencies maintain separate credit histories on each
by the Federal Deposit Insurance Corporation ..., upon any application, individual upon request. The Ohio civil rights commission administers
advance, discount, purchase, purchase agreement, repurchase compliance with this law.
agreement, commitment, or loan, or any change or extension of any of If you sign the Application and Loan Agreement in Pennsylvania:
the same, by renewal, deferment of action or otherwisec or the
You intend to be legally bound by this Application and Loan
acceptance, release, or substitution of security therefor, shall be fined Agreement and the Statement of Loan Terms and Conditions.
not more than $1 million or imprisoned not more than 30 years, or both.
If you sign the Application and Loan Agreement in Utah:
Borrower Authorization As required by Utah law, you are hereby notified that a negative credit
I authorize the Lender and Access Group, Inc. to investigate my report reflecting on your credit record may be submitted to a credit
creditwûrthiñêss and to obtain information from others concerning my reporting agency if you fail to fulfill the terms of your credit obligations.
credit standing and other relevant information affecting this application.
I authorize the Lender or other subsequent holder of my loan and If you sign the Application and Loan Agreement in Vermont:
Access Group, Inc. to provide to others information about my loan and You authorize National City to obtain credit reports about you now and
the Lender's (or subsequent holder's or Access Group, Inc s) in the future for all legitimate purposes associated with this application
experiences with me. I acknowledge and agree that the school or the account including, but not limited to: (a) evaluating the
referenced on the Application and Loan Agreement may receive a copy application; and (b) renewing, reviewing, modifying, and taking
of this Application and Loan Agreement. Except as otherwise prohibited cc|iêcticñ action on your account.
by law, I ee and consent that the Lender may share with its
Your consent is required before we can share certain credit information
respective a iliates all information about me for the purposes, among
about you with our affiliates. We are perraitled to share information which
other things, of evaluating credit applications or offenng products and
is not a credit report under Vermont law without your consent, such as
services that it believes may be of interest to rne. Under the Fair Credit
information related solely to our transactions and experiences with you.
Reporting Act there is certain credit information about me that cannot
be shared by the Lender with its affiliates if I send a written instruction If you sign the Application and Loan Agreement in Wisconsin:
containing my name, address, account number, and Social Security For married Wisconsin residents, your signature confirms that this
number addressed as follows: National City Bank, P. O. Box 94985, loan obligation is being incurred in the interest of your marriage or
Cleveland, Ohio 44101-4985. family. No provision of a marital property agreement, a unilateral
If you sign the Application and Loan Agreement in California: statement under Section 766.59 of the Wisconsin Statutes or a court
A married applicant ma decree under Section 766.70 of the Wisconsin Statutes adversely
ply for a separate account. As required by affects the interests of the creditor unless the creditor, pnor to the time
law, you are hereby not f ed that a negative credit report reflectin on
the credit is granted, is furnished a copy of the agreement, statement
your credit record may be submitted to a credit reporting agency i you
fail to fulfill the terms of your credit obligations. or decree or has actual knowledge of the adverse provision when the
obligation to the creditor is incurred.
If we take any adverse action as defined by Section 1785.3 of the
California Civil Code and the adverse action is based, in whole or in part, Borrower Certification
on any information contained in a consumer credit report, you have the I declare under penalty of perjury under the laws of the United States of
right to obtain within 60 days a free copy of your consumer credit report America that the following is true and correct. I, the borrower, certify that
from the coñsümér reporting agency who furnished us your consurner the information contained in my Application and Loan Agreement for a
credit report and from any other consumer credit reporting agency which loan under the Access Group® loan programs is true, complete, and
compiles and maintains files on consumers on a nationwide basis. You correct to the best of my knowledge and belief and is made in good faith.
have the right as described by Section 1785.16 of the California Civil At my lender's option, I authorize the lender to make my loan check
Code to dispute the accuracy or completeness of any information in a payable to the student on whose behalf the loan is to be extended (which
consumer credit report furnished by the consumer credit reporting agency. in the case of a non-student borrower is the person identified in fields 18
and 19 of my Application and Loan Agreement, and in the case of a
If you sign the A plication and Loan Agreement in Iowa (This is
student borrower is me) and mail it to such student s school, to mail a
a consumer credÎt transaction), Nebraska, or Kansas: master check to such student s school, or to electronically transfer loan
Notice to Consumer: funds to such student's account at such student's school, and, in the case
1. Do not sign this paper (agreement) before you read it. 2. You are of an Electronic Funds Transfer or master check, if I am a borrower who
entitled to a copy of this paper (agreement), 3. You may prepay the is not the student, I further authorize the lender and the school to distribute
unpaid balance at any time without penalty and may be entitled to to the student any loan funds in excess of the amount owed or payable by
receive a refund of unearned charges in accordance with law. such student to the school during the applicable academic period. IF I AM
. . A BORROWER WHO IS NOT ALSO THE STUDENT, I UNDERSTAND
If you sign the Apphcation and Loan Agreement in Iowa AND AGREE THAT NO AMOUNTS WILL BE PAYABLE TO ME EITHER
and the principal amount of this Loan exceeds $20,000: BY CHECK OR ELECTRONIC TRANSFER. I authorize any educational
IMPORTANT: READ BEFORE SIGNING. THE TERMS OF institution that such student may attend, the guarantor, or Access Group,
THIS AGREEMENT SHOULD BE READ CAREFULLY Inc. to release to the lending institution, subsequent holder, or their
BECAUSE ONLY THOSE TERMS IN WRITING ARE agents, any requested information pertinent to my loan (e.g., employrñént,
ENFORCEABLE. OTHER TERMS OR ORAL enrollment status, prior loan history, current address). I authorize my
NO
lender, subsequent holder, Access Group, Inc., or their agents to advise
PROMISES NOT CONTAINED IN THIS WRITTEN such student's educational institution of the status of my Application and
CONTRACT MAY BE LEGALLY ENFORCED. YOU MAY Loan Agreement or of my loan. I also authorize the lender, subsequent
CHANGE THE TERMS OF THIS AGREEMENT ONLY BY holder, educational institution, the guarantor, Access Group, Inc, or their
ANOTHER WRITTEN AGREEMENT. agents to make inquiries to or respond to inquiries from subsequent
lenders or holders with respect to my Application and Loan Agreement
If you sign the Application and Loan Agreement in Rhode Island:
. and related documents. I also authonze the lender, subsequent holder.
A consumer report may be requested in connection with this application.
guarantor, or their agents to release information and make inquiries to the
If you sign the Application and Loan Agreement in Maryland: persons I have listed in my Application and Loan Agreement as
We elect Subtitle 10, Credit Grantor Closed End Credit Provisions, of references, for the purpose of learning my current address and telephone
Law Article of the Annotated Code of number. I also authonze the lender, subsequent holder, the guarantor,
Title 12 of the Commercial
Access Group, Inc, or their agents to check my credit and employment
Maryland only to the extent not inconsistent with 12 U.S.C. §85 and
hist and to answer questions about their credit experience with me.
related regulations and opinions, which we expressly reserve.
I certi that the proceeds of my loan will be used for educational purposes
If you sign the Application and Loan Agreement in New York: for the academic period stated in my Application and Loan Agreement at
A consumer report may be requested in connection with this the educational institution named on my Application and Loan Agreement.
application. Upon your request, you will be informed whether or not I understand that I am responsible for repaying immediately any funds that
a consumer report was requested, and if such report was requested, I or the student receive which are not to be used or are not used for
informed of the name and address of the consumer reporting educational expenses related to attendance at the institution stated for the
consumer reports loan period stated. I certify that I have not filed for bankruptcy in the past
agency that furnished the report. Subsequent
may be requested or utilized in connection with an update, renewal seven years. I certify that I am not now in default on any loan received
or extension of the credit for which application was made. under the Federal Direct Loan Program or the Federal Family Education
Loan Program, or other education loan.
FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021
Student Borrowers - Statement of Loan Terms and Conditions for
Group®
Access 2002-2003 Private Loan Programs
This Statement of Loan Terms and Conditions applies to, and is a part of, my you a certification from the director of such program as to my participation),
Application and Loan Agreement. My signature on the Application and Loan (c) if my Access Group Program is the 8ar ExaminationLoan program,the date
Agreement certifies that I have read, understand, and agree to these LoanTerms which is nine months after the date my law school indicated on my Application
"1,"
and Conditions. In this Statement of Loan Terms and Conditionsthe words and Loan Agreement to be my anticipated or actual graduation date, (d) if my
"me," " "mine"
"my and meanthe borrower identified on the App!!cedenand Loan Access Group Programis the Dental Access* or DentalResidency/DentalBoard
Agreement. If a cosigneris identified on the Application and LoanAgreement,the Examination Loan program, the date which is nine months after the date I
"l," " " "mine"
words "me "my and mean the borrower and the cosigner,lointly graduate or otherwise cease to be enrolled at least half-time at thedental school
and severally, except that references to my school, graduation or enrollment, named on my Application and Loan Agreement or at any other dental school
program of study, citizenship, or participation in residency or postdoctoral Access*
participating in the Dental program, unless on such date I am
programs, and references to loan funds being lent, advanced, mailed, or participating in a required residency or postdoctoral program,in which event the
Period"
otherwise disbursed to me, for me, or on my behalf, refer only to the student "Interim will end on the date which is nine months after the date I
"You," "your," "yours"
horrower. and mean National City Bank, 1900East Ninth complete or otherwise cease to participate in such residency or postdoctoral
Street, Cleveland, Ohio 44114-3484,or its successors and assigns, and any program, but in no event later than 45 months after the date I graduate from
subsequentholder of my loan. dental school (I will be considered to be participating in a requiredresidency or
pestdectere! program only if I have sent you a certification from the director of
A.PROMISETOPAY
a in t s at ment of oan T s and ond on all of h pr no p um Camp hens e ces ™p gra o the Op um can program theear e of
the date which is nine monthsafter I graduate, or otherwise ceaseto be enrolled,
advanced to me or paid on my behalf, and as set out below, mterest on such
at the school namedan my Application and Loan Agreementor anyother school
principal sum, interest on any unpaid accrued interest added to the principal Group®loan programs or (ii) the datewhich is ten
balance,a loan fee, if any, as set out below (which shall be addedto the principal participating m the Access
balanceas described below), late charges,and, in the event of default, and to the years after the disbursement date for my first ComprehensiveAccess" Loan or
attorneys' 0pdmum' Loan.
extentpermittedby applicablelaw, costsof collectionandreasonable fees. Penod"
4. "Repayment meansthe period begmning on the day after the Interim
B, IMPORTANT- READTHISINFORMATIONCAREFIJLLY Period ends and continuing for no more than 240months. I recognizethat the
1. When you receive my signed Application and Loan Agreement, you are not
beginning date of the RepaymentPeriod may be earlier than the dateon which I
agreeingto lend me money. If you decide to make a loan to me, you will, m your am asked to make my first payment according to the periodic statements
sole discretion, mail a loan check to me, or mail a loan check or master check or described in ParagraphE,2.
electronically transfer the loan fundsto my schoolfor me. Youhavethe right to not
Requested"
make a loan or to lend an amount less than the "Loan Amount in my D, INTEREST
Application andLoanAgreement. The amountof the loan will not exceedthe Loan 1.Accrual - Interest on my loan will accrue at the Variable Rate.Interest begins
Amount Requested. I agree to accept an amount less than the Loan Amount to accrue on the DisbursementDate and will continue to accrue on the unpaid
Requested and to repay that portion of the Loan Amount Requested that you balance until paid in full. Interest will accrue on the unpaid principalsum to the
extent it is advancedto me or paid on my behalf,and on unpaidaccruedinterest
actually lend to me.
and the loan fee added to the principal balance in accordancewith Paragraphs
2. After you agree to make a loan to me, you will send me (and my cosigner, if
D.3 and G. Interest will be calculated on the basis of the actual number of
applicable) a Disclosure Statement. In addition to other information, the
daYsin the year and the actual number of days elapsed. If I do not pay interest to
Disclosure Statementwill tell me the amounts of my disbursements,the loan fee
you durmg the Interim Period, you may at your option add such interest to the
percentage assessed,and the index and margin used in calculatmg the interest
prmcipal balance of the loan in accordance with ParagraphD.3,
rate for my loan.
2. Variable Rate - The VariableRate is equal to the Current Index,plus a margin
3. I will review my Disclosure Statement upon receiving it and will contact you
within three businessdays if I have any questions. If I am not satisfied for if my ranging fan 15 per annum to 4.30% per annum, dependingon my credit
history,my Access Group Program,and the availabilityof specialloanprogramsat
cosigner,if applicable,is not satisfied) with the terms of my loan as approved,I (or the school I attend, as identified in my Application and Loan Agreement,and my
my cosigner,if applicable)may cancel my loan and any disbursements.To cancel, paymentperformancewithrespectto my loan. Themarginapplicabletomy loan,as
I (or my cosigner,if applicable) must contact you in writing within three business
well as the basisuponwhich andthe amountby which the marginapplicableto my
days of receivmg the Disclosure Statementand must notify my school. If I or my
oan may be increasedor decreasedas a resultof my paymentperformance,will be
cosignercanceithe loan,l agreeto not endorseany loan check,and to returnto my
identifiedin my DisclosureStatement. in no event shallthe VariableRatebe more
school any and all funds received by me, and 1agree that such non-endorsement
than 25%per annum.TheVariableRatewill changequarterlyonthefirstday of each
and return of fundswill be a conditionto the effective cancellation of the loan. Date(s)'
January, April, July, and October (the 'Change ) if the Current Index
C.DEFINITIONS Index"
changes.The"Current for any calendarquarterbeginningona ChangeDate
Program"
1."Access Group meansthe particularloanprogram(i.e.,Law Access*,Bar (or for any shorterperiod beginningonthe DisbursementDateand endingonthe first
ExaminationLoan,SusinessAccess® GraduateAccess*, HealthAccess Medical ChangeDate)is the three-monthLondonInterbankOfferedRate(LIBOR)on the last
Access*, Medical Residency Loan, Dental Access*, Dental Residency/Dental businessday of the secondmonth of the prior calendar quarter,as reportedin The
Board ExaminationLoan, ComprehensiveAccessa or Optimum* Loan) for which Wall Street Journal. If the Current Index is no longer available,you will choose,
you have determined that I am eligible, based upon my program of study, in your sole discretion,a comparablesubstitute.
enrollmentstatus,andcitizenship,as shownon my ApplicationandLoanAgreement. 3. Capitalization- Youmay, at your option, add all accrued and unpaidinterest on
Date"
2. "Disbursement means the date on which you lend money to me in my loan to the principal balance of the loan on the last day of the Interim Period.
considerationfor my Application and Loan Agreement,which date will be the date If my loan is the ComprehensweAccess" Loan or Optimum*Loan,you may, at
shownonmyloan check,the datethe loan fundsare electronicallytransferredto my your option, add aff accrued and unpaid interest on my loan to the principal
schoolor the date on which any mastercheck is mailedto my school balance of the loan five years after the date of the first disbursementof my
Period"
3. "Interim means the period begmning on the mitial DisbursementDate ComprehensiveAccess" Loan or Optimum*Loan (if my loan has notyet entered
and ending on (a) if my Access Group Program is the Law Access", Graduate repaymentat that time), and again when my loan enters repayment.
Access"
Access", Health Access*, or Business program, the date which is nine E.TERMSOFREPAYMENT
monthsafter I graduate or otherwise cease to be enrolled at least half-time at the
1.Interim Period- Duringthe interim Penodyou willsend me quarterlystatements
school named on my Application and Loan Agreement or any other school
showmg my loan disbursements and the interest that accrues on my loan.
participating in my Access Group Program,(b) if my Access Group Programis the Statementswill be sent to the address shown on your records, as provided in
Medical Access* or Medical Residency Loan program, the date which is nme ParagraphL The quarterly statementswill cover periods beginningonthe initial
months after the date I graduate or otherwise cease to be enrolled at least DisbursementDateandthereafter on the firstday of each January,April,July, and
half-time at the medical school named on my Application and LoanAgreementor October, I may, but am not required to, make payments of interest or principal
Access' program, unlesson
any other medical school participating in the Medical
during the laterim Period. You may add any interest that I do not pay during the
such date I am participatmg m a required residency program, in which event the Interim Periodto the principal balance, as described in ParagraphD.3.
Period"
"Interim will end on the date which is nine months after the date
2. RepaymentPeriod - During the RepaymentPeriod you will sendme periodic
I complete or otherwise cease to participate in such residency program, butin no
statements on my loan. The periodic statements will cover periods beginning on
eventlater than 57months after the date I graduate from medical school (I will be
the first day of the RepaymentPeriod and on the same day of each followmg
consideredto be panspâtmg in a required residency program only if I have sent
month. I will make consecutive monthly payments in the amountsand on the
Continued on page 5.
FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021
NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021
Student Borrowers - Statement of Loan Terms and Conditions for
Group®
Access 2002-2003 Private Loan Programs
Continued from page 4.
payment due dates shown on my periodic statements until I have paid all of the employeesand court and other collection costs, which you, or anyagentof yours,
principal and interest and any other charges I may owe on my loan, as described incur in enforcing the terms of my Application and LoanAgreement(includingthis
in this Statementof LoanTermsand Conditions. Statementof LoanTermsand Conditions).
3. RepaymentTerms - The amounts shown on my periodic statements will be L NOTICES
consecutive monthly installments of principal and interest calculated each 1. I will send written notice to you within ten days after any changein my name,
Change Date to equal the amount necessary to amortize the unpaid principal
address,e-mail address,telephone number,school enrollmentstatus,or residency
balance (includmg capitalized interest and loan fee, if anyl of my loan (as of the or postdoctoralprogramparticipation.
date of calculation) in equal monthly installments of principal and interest at the
2. Any notice required to be given to me by you will be effective (and deemed
Variable Rate then in effect over the number of months remaining in the
received) when mailed by first class mail to the latest addressyouhavefor me.
RepaymentPeriod.
4. Amounts Owing at the End of the RepaymentPeriod - Since interest accrues M. ADDITIONALAGREEMENTS
daily upon the unpaid principal balance of my loan, if I make payments after my 1.Theproceedsof my loanwill be used(a) if my Access GroupProgramis the Law
payment due dates, I may owe additional mterest. If I have not paid my late Access", BusinessAccess", GraduateAccess*, HealthAccess®,MedicalAccess*,
charges, I will also owe additional amountsfor those late charges. In such case Dental Access", Comprehensive Access" Loan program or Optimum* Loan
you will increasethe amountof my last monthly paymentto the amountnecessary program, only for my educational expenses at the school identified in my
to repay my loan in full, Application and Loan Agreement, (b) if my Access Group Programis the B
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FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021 "C" Exhibit FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021 Web L-03 /11/ 2 0 03 - 0002. . . • • . • •__ ___ • a • ••• Group' L aÅ•Agredl Access aggggg Ap 20 Ilcatio 2-2003 d Privhte*Lodn Progratns' rd f¼r g r o u ps w.. ,.. me,e M,e...n,-.,,,,s.,,a,,non Ms ,,mos subject1opena thatmayIncludenesorimplisonmentunder theUnhad StatesOlminalCode. AccessGroup,1no,PA Ekat171e2, DE 18e60-71s: wilmington, 1. Borrower 1.astName Barrower IMN(ne ‡•• * lornmer Middle initial 2. Bommer Social SecurRyNumber ‡ , MATTEO -- _ . STEVTN•• • • • • ••• 3 _ 3. Borrower Date at Birth (MM/DD/YYYY' 4. Driver's l.icense Number (UsttmHetterstateabbreviaton first.) 5. Citizenship status: U.S.Citizen,National. Intemational (Checkone E State: NY Number en a n 6. E½rmanentUA Address (NeitheranaddressoutsidetheU.S.or U.S.Thrritories nora P.O.BoxIs acceptable.) street183 QUEEN STREET City STATEN I SLAND State_NY zigi Code 10314 7. Home TblophoneNumber ( & Current Mailing Address (Anaddressoutsidetheus.or U.8,lhniloriesis notscooptabia)Nsameas PermanentAddress,wdro*sameas atme? street 183 QUEEN STREET . _cny STATEN I SLAND . State NY Zip Code10314 9. Current'IbtephoneNumber ( 10. E-mail AddresaST2 2MANSAOECOM 11. Personal References(nvoseparateadultreferences withdinerant arerequired- RO.BaNes notaccepted.Both ererences - U.S. mustbecompleted fuUy.) A. Name PHILIP MATTEO . .. ._ . - B. Name CHRISTOPHER MATTEO Address(Permanent) 25 6 WARDWELL AVENUE _ __ Address(Permanent)2 8 7 CASWELL AVE citySTATEN ISLAND State NY zip 10314 City STATEN ISLAND state NY 7in10314 - - TelephoneNumber ( 718 y 727 . 0536 TelephoneNambitr r 718 1 698 . . - 15.04 12. I.oun Amount Requested 13. Are you also ihe student for whom this loan Is requested? No, Ws, 8 , 0 00 .00 fY••,8kÎP fields 14 end 15. I amthe student. I am the epomicr. 14. Current Employerinformation 15. Gross Monthlyincome Company Name TblephoneNumber ( ). - Address alue n on Cry __State Z5 Code $ ,00 Borrov er Requestfor Loan, Promiseto Pay, and Signature PLEASEREADYOUR IMPORTANT NU11CESANDBORROWER CERT1RCAT(0N,AND THESTATEMENT0FLOANTERMS AND00NIMil0N891THEIR Elf TlRETYBEFORESIGNING. I requesta foanfromNationalCityBank(the"1.ends in theamountsettorthasthe"LoanAmount ested"1nfield12 undertheloan rogram for which u determine "Application' meto be 'ble. basedonthe Informationl haveprovidedfanmilmanstatus,pro ramof study,andcitizenshipstatu In thlsA " plfcationand n reemen(tlie . I havereadandunde d theBarrowerCertification,the ImportantN dtheapplicable tamentof LoanTennsandCond s the tementof Terms")w 1chaccom (andareIncorporated bythisreferenceinto) thisApplication.I declareunderpenaltyof thateachofthestatementsinthis AppEcation andinthe orrowerCertification is true,conuct complete.I to beboundby tits Borrower andbyeachof thetem1sandco Certificidion nsoftheStatementof-lbrms.I understand thattheamountandcertainothertermsof rayloanwillbedescribed to me na separaleDisclosme Statement. I promiseto pay,to theorderof the Lander,theprincipalsumadvancedto meor paidon my behalf,togetherwth interestthereonandallotheramountsprovidedfor in theStatementof Terms. If you signthisdocumentation s- a) Donot s n this beforeyoureadthe ImportantNoticesandBorrowerCertificationandtheaccompanIngStatementof Loan in WisconstreNoticeto Customer Termsand Conditions.evenif otherwiseadvised.(b) Donot n Is if ft co blankspaces.(c) Youareentitledto anexactcopyof anyagreementyousign.( Youhavethe rightat any timeto payin advanca theunpaidbalance dueunderth ment entitledto a partialrefundof thefinancecharge. CAUTIO_N--1718 IMPOlTIANTTHAT E U SIGNIT. 1 uture of Borrower 17. Date 18. Student I.ast Name Student Rest Name Student Middle Initial 19. Student Soolal Secu Number MATTEO STEVEN 20. M/DD/YYYY) 21. School Name TOURO COLLEGE JACOB D. FUCHSBERG LAW CENTER 22. Enrollment period for which loan Is requested (MM/YYYY) 23. EnroffmantStatus From: 01 / 2003 Tb·.. 12 / 2003 . At least half time Less than half time 24. Check only one box to indicate the program for which you will be enrolled. I.lst program of study code where requested. See Instructions. Dental Law Graduate Health rprogramCode) CondnuingEducation/Certificate Program (ProgramCeda) Busine Medical Other Graduate/Professional (PmgrarnCode) Undergraduate (Programcode) Ac=:G=p:any educdional 1authorts institut|on attend landersubsequent ortheiragents, holder, andtothebonewerldsatiled anyinfamdionportlnent onthisappical|on, totilisloan(includng information as onthisapplicdian requested statue).lfthisloan(oranyputthereof)|s Ia;=±±=/lunds opiceled, (or icable put thathaveeendisbursed tome. 25. Signature of Student -- 28. Date / 27. School Name . . 28. DOESchoolCode DOEBranchCode 29. Level TOURO COLLEGE JACOB D . FUCHSBERG LAW CEN 010142 -03 30. I.ean Po od TEo--iYY) 31. A clpated Graduation Date (MM/DO/YYYY) 32. Certi to Loan Arnount From: ff /( fh / fyp f /) $ ( ( .00 33. Chec½only one box to ind to the program éf study which the student will be enrolled. if necessary, see School Certification inammHana Dental Law . _ Graduate Health . _ Continuing Education/CortifÎcateProgram Graduate Business/MBA Medical Other Graduate/Professional Undergraduate D' 34. ed ursement (s) (niiiviiüufÑñ) 1st / / / O 2nd / / 3rd / / 4th / / 35. Recornme DiebursemernAmount(s) 1st $ fb .00 2nd $ .00 3rd S .00 4th $ .00 My signaturecertifis that I amanauthorlredofficialof thein listedin fiefI 27 a I avareadandagreeto the"SchoolCertification"and,baseduponthe recordsavailable to the institutionlistedin field 27, theInformationprovidedaboveI ato the my knowledgeandbelief. 35. Signature of Authorized School Official 37. Date Access logoaregagistered GroupandIhemortarboard trademarks o1AccessGroup, Inc. ORI-GINAL . FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021 Important Notices and Borrower Certification Criminal Penalties 18 U.S.C. §1014 If you sign the Application and Loan Agreement in Ohio: Whoever knowingly makes any false statement or report, or willfully The Ohio laws against discrimination require that all creditors make overvalues any land, property or security, for the purpose of influencing in credit equally available to all creditworthy customers, and that credit any way the action of . any institution the accounts of which are insured reporting agencies maintain separate credit histories on each by the Federal Deposit Insurance Corporation ..., upon any application, individual upon request. The Ohio civil rights commission administers advance, discount, purchase, purchase agreement, repurchase compliance with this law. agreement, commitment, or loan, or any change or extension of any of If you sign the Application and Loan Agreement in Pennsylvania: the same, by renewal, deferment of action or otherwisec or the You intend to be legally bound by this Application and Loan acceptance, release, or substitution of security therefor, shall be fined Agreement and the Statement of Loan Terms and Conditions. not more than $1 million or imprisoned not more than 30 years, or both. If you sign the Application and Loan Agreement in Utah: Borrower Authorization As required by Utah law, you are hereby notified that a negative credit I authorize the Lender and Access Group, Inc. to investigate my report reflecting on your credit record may be submitted to a credit creditwûrthiñêss and to obtain information from others concerning my reporting agency if you fail to fulfill the terms of your credit obligations. credit standing and other relevant information affecting this application. I authorize the Lender or other subsequent holder of my loan and If you sign the Application and Loan Agreement in Vermont: Access Group, Inc. to provide to others information about my loan and You authorize National City to obtain credit reports about you now and the Lender's (or subsequent holder's or Access Group, Inc s) in the future for all legitimate purposes associated with this application experiences with me. I acknowledge and agree that the school or the account including, but not limited to: (a) evaluating the referenced on the Application and Loan Agreement may receive a copy application; and (b) renewing, reviewing, modifying, and taking of this Application and Loan Agreement. Except as otherwise prohibited cc|iêcticñ action on your account. by law, I ee and consent that the Lender may share with its Your consent is required before we can share certain credit information respective a iliates all information about me for the purposes, among about you with our affiliates. We are perraitled to share information which other things, of evaluating credit applications or offenng products and is not a credit report under Vermont law without your consent, such as services that it believes may be of interest to rne. Under the Fair Credit information related solely to our transactions and experiences with you. Reporting Act there is certain credit information about me that cannot be shared by the Lender with its affiliates if I send a written instruction If you sign the Application and Loan Agreement in Wisconsin: containing my name, address, account number, and Social Security For married Wisconsin residents, your signature confirms that this number addressed as follows: National City Bank, P. O. Box 94985, loan obligation is being incurred in the interest of your marriage or Cleveland, Ohio 44101-4985. family. No provision of a marital property agreement, a unilateral If you sign the Application and Loan Agreement in California: statement under Section 766.59 of the Wisconsin Statutes or a court A married applicant ma decree under Section 766.70 of the Wisconsin Statutes adversely ply for a separate account. As required by affects the interests of the creditor unless the creditor, pnor to the time law, you are hereby not f ed that a negative credit report reflectin on the credit is granted, is furnished a copy of the agreement, statement your credit record may be submitted to a credit reporting agency i you fail to fulfill the terms of your credit obligations. or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred. If we take any adverse action as defined by Section 1785.3 of the California Civil Code and the adverse action is based, in whole or in part, Borrower Certification on any information contained in a consumer credit report, you have the I declare under penalty of perjury under the laws of the United States of right to obtain within 60 days a free copy of your consumer credit report America that the following is true and correct. I, the borrower, certify that from the coñsümér reporting agency who furnished us your consurner the information contained in my Application and Loan Agreement for a credit report and from any other consumer credit reporting agency which loan under the Access Group® loan programs is true, complete, and compiles and maintains files on consumers on a nationwide basis. You correct to the best of my knowledge and belief and is made in good faith. have the right as described by Section 1785.16 of the California Civil At my lender's option, I authorize the lender to make my loan check Code to dispute the accuracy or completeness of any information in a payable to the student on whose behalf the loan is to be extended (which consumer credit report furnished by the consumer credit reporting agency. in the case of a non-student borrower is the person identified in fields 18 and 19 of my Application and Loan Agreement, and in the case of a If you sign the A plication and Loan Agreement in Iowa (This is student borrower is me) and mail it to such student s school, to mail a a consumer credÎt transaction), Nebraska, or Kansas: master check to such student s school, or to electronically transfer loan Notice to Consumer: funds to such student's account at such student's school, and, in the case 1. Do not sign this paper (agreement) before you read it. 2. You are of an Electronic Funds Transfer or master check, if I am a borrower who entitled to a copy of this paper (agreement), 3. You may prepay the is not the student, I further authorize the lender and the school to distribute unpaid balance at any time without penalty and may be entitled to to the student any loan funds in excess of the amount owed or payable by receive a refund of unearned charges in accordance with law. such student to the school during the applicable academic period. IF I AM . . A BORROWER WHO IS NOT ALSO THE STUDENT, I UNDERSTAND If you sign the Apphcation and Loan Agreement in Iowa AND AGREE THAT NO AMOUNTS WILL BE PAYABLE TO ME EITHER and the principal amount of this Loan exceeds $20,000: BY CHECK OR ELECTRONIC TRANSFER. I authorize any educational IMPORTANT: READ BEFORE SIGNING. THE TERMS OF institution that such student may attend, the guarantor, or Access Group, THIS AGREEMENT SHOULD BE READ CAREFULLY Inc. to release to the lending institution, subsequent holder, or their BECAUSE ONLY THOSE TERMS IN WRITING ARE agents, any requested information pertinent to my loan (e.g., employrñént, ENFORCEABLE. OTHER TERMS OR ORAL enrollment status, prior loan history, current address). I authorize my NO lender, subsequent holder, Access Group, Inc., or their agents to advise PROMISES NOT CONTAINED IN THIS WRITTEN such student's educational institution of the status of my Application and CONTRACT MAY BE LEGALLY ENFORCED. YOU MAY Loan Agreement or of my loan. I also authorize the lender, subsequent CHANGE THE TERMS OF THIS AGREEMENT ONLY BY holder, educational institution, the guarantor, Access Group, Inc, or their ANOTHER WRITTEN AGREEMENT. agents to make inquiries to or respond to inquiries from subsequent lenders or holders with respect to my Application and Loan Agreement If you sign the Application and Loan Agreement in Rhode Island: . and related documents. I also authonze the lender, subsequent holder. A consumer report may be requested in connection with this application. guarantor, or their agents to release information and make inquiries to the If you sign the Application and Loan Agreement in Maryland: persons I have listed in my Application and Loan Agreement as We elect Subtitle 10, Credit Grantor Closed End Credit Provisions, of references, for the purpose of learning my current address and telephone Law Article of the Annotated Code of number. I also authonze the lender, subsequent holder, the guarantor, Title 12 of the Commercial Access Group, Inc, or their agents to check my credit and employment Maryland only to the extent not inconsistent with 12 U.S.C. §85 and hist and to answer questions about their credit experience with me. related regulations and opinions, which we expressly reserve. I certi that the proceeds of my loan will be used for educational purposes If you sign the Application and Loan Agreement in New York: for the academic period stated in my Application and Loan Agreement at A consumer report may be requested in connection with this the educational institution named on my Application and Loan Agreement. application. Upon your request, you will be informed whether or not I understand that I am responsible for repaying immediately any funds that a consumer report was requested, and if such report was requested, I or the student receive which are not to be used or are not used for informed of the name and address of the consumer reporting educational expenses related to attendance at the institution stated for the consumer reports loan period stated. I certify that I have not filed for bankruptcy in the past agency that furnished the report. Subsequent may be requested or utilized in connection with an update, renewal seven years. I certify that I am not now in default on any loan received or extension of the credit for which application was made. under the Federal Direct Loan Program or the Federal Family Education Loan Program, or other education loan. FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021 Student Borrowers - Statement of Loan Terms and Conditions for Group® Access 2002-2003 Private Loan Programs This Statement of Loan Terms and Conditions applies to, and is a part of, my you a certification from the director of such program as to my participation), Application and Loan Agreement. My signature on the Application and Loan (c) if my Access Group Program is the 8ar ExaminationLoan program,the date Agreement certifies that I have read, understand, and agree to these LoanTerms which is nine months after the date my law school indicated on my Application "1," and Conditions. In this Statement of Loan Terms and Conditionsthe words and Loan Agreement to be my anticipated or actual graduation date, (d) if my "me," " "mine" "my and meanthe borrower identified on the App!!cedenand Loan Access Group Programis the Dental Access* or DentalResidency/DentalBoard Agreement. If a cosigneris identified on the Application and LoanAgreement,the Examination Loan program, the date which is nine months after the date I "l," " " "mine" words "me "my and mean the borrower and the cosigner,lointly graduate or otherwise cease to be enrolled at least half-time at thedental school and severally, except that references to my school, graduation or enrollment, named on my Application and Loan Agreement or at any other dental school program of study, citizenship, or participation in residency or postdoctoral Access* participating in the Dental program, unless on such date I am programs, and references to loan funds being lent, advanced, mailed, or participating in a required residency or postdoctoral program,in which event the Period" otherwise disbursed to me, for me, or on my behalf, refer only to the student "Interim will end on the date which is nine months after the date I "You," "your," "yours" horrower. and mean National City Bank, 1900East Ninth complete or otherwise cease to participate in such residency or postdoctoral Street, Cleveland, Ohio 44114-3484,or its successors and assigns, and any program, but in no event later than 45 months after the date I graduate from subsequentholder of my loan. dental school (I will be considered to be participating in a requiredresidency or pestdectere! program only if I have sent you a certification from the director of A.PROMISETOPAY a in t s at ment of oan T s and ond on all of h pr no p um Camp hens e ces ™p gra o the Op um can program theear e of the date which is nine monthsafter I graduate, or otherwise ceaseto be enrolled, advanced to me or paid on my behalf, and as set out below, mterest on such at the school namedan my Application and Loan Agreementor anyother school principal sum, interest on any unpaid accrued interest added to the principal Group®loan programs or (ii) the datewhich is ten balance,a loan fee, if any, as set out below (which shall be addedto the principal participating m the Access balanceas described below), late charges,and, in the event of default, and to the years after the disbursement date for my first ComprehensiveAccess" Loan or attorneys' 0pdmum' Loan. extentpermittedby applicablelaw, costsof collectionandreasonable fees. Penod" 4. "Repayment meansthe period begmning on the day after the Interim B, IMPORTANT- READTHISINFORMATIONCAREFIJLLY Period ends and continuing for no more than 240months. I recognizethat the 1. When you receive my signed Application and Loan Agreement, you are not beginning date of the RepaymentPeriod may be earlier than the dateon which I agreeingto lend me money. If you decide to make a loan to me, you will, m your am asked to make my first payment according to the periodic statements sole discretion, mail a loan check to me, or mail a loan check or master check or described in ParagraphE,2. electronically transfer the loan fundsto my schoolfor me. Youhavethe right to not Requested" make a loan or to lend an amount less than the "Loan Amount in my D, INTEREST Application andLoanAgreement. The amountof the loan will not exceedthe Loan 1.Accrual - Interest on my loan will accrue at the Variable Rate.Interest begins Amount Requested. I agree to accept an amount less than the Loan Amount to accrue on the DisbursementDate and will continue to accrue on the unpaid Requested and to repay that portion of the Loan Amount Requested that you balance until paid in full. Interest will accrue on the unpaid principalsum to the extent it is advancedto me or paid on my behalf,and on unpaidaccruedinterest actually lend to me. and the loan fee added to the principal balance in accordancewith Paragraphs 2. After you agree to make a loan to me, you will send me (and my cosigner, if D.3 and G. Interest will be calculated on the basis of the actual number of applicable) a Disclosure Statement. In addition to other information, the daYsin the year and the actual number of days elapsed. If I do not pay interest to Disclosure Statementwill tell me the amounts of my disbursements,the loan fee you durmg the Interim Period, you may at your option add such interest to the percentage assessed,and the index and margin used in calculatmg the interest prmcipal balance of the loan in accordance with ParagraphD.3, rate for my loan. 2. Variable Rate - The VariableRate is equal to the Current Index,plus a margin 3. I will review my Disclosure Statement upon receiving it and will contact you within three businessdays if I have any questions. If I am not satisfied for if my ranging fan 15 per annum to 4.30% per annum, dependingon my credit history,my Access Group Program,and the availabilityof specialloanprogramsat cosigner,if applicable,is not satisfied) with the terms of my loan as approved,I (or the school I attend, as identified in my Application and Loan Agreement,and my my cosigner,if applicable)may cancel my loan and any disbursements.To cancel, paymentperformancewithrespectto my loan. Themarginapplicabletomy loan,as I (or my cosigner,if applicable) must contact you in writing within three business well as the basisuponwhich andthe amountby which the marginapplicableto my days of receivmg the Disclosure Statementand must notify my school. If I or my oan may be increasedor decreasedas a resultof my paymentperformance,will be cosignercanceithe loan,l agreeto not endorseany loan check,and to returnto my identifiedin my DisclosureStatement. in no event shallthe VariableRatebe more school any and all funds received by me, and 1agree that such non-endorsement than 25%per annum.TheVariableRatewill changequarterlyonthefirstday of each and return of fundswill be a conditionto the effective cancellation of the loan. Date(s)' January, April, July, and October (the 'Change ) if the Current Index C.DEFINITIONS Index" changes.The"Current for any calendarquarterbeginningona ChangeDate Program" 1."Access Group meansthe particularloanprogram(i.e.,Law Access*,Bar (or for any shorterperiod beginningonthe DisbursementDateand endingonthe first ExaminationLoan,SusinessAccess® GraduateAccess*, HealthAccess Medical ChangeDate)is the three-monthLondonInterbankOfferedRate(LIBOR)on the last Access*, Medical Residency Loan, Dental Access*, Dental Residency/Dental businessday of the secondmonth of the prior calendar quarter,as reportedin The Board ExaminationLoan, ComprehensiveAccessa or Optimum* Loan) for which Wall Street Journal. If the Current Index is no longer available,you will choose, you have determined that I am eligible, based upon my program of study, in your sole discretion,a comparablesubstitute. enrollmentstatus,andcitizenship,as shownon my ApplicationandLoanAgreement. 3. Capitalization- Youmay, at your option, add all accrued and unpaidinterest on Date" 2. "Disbursement means the date on which you lend money to me in my loan to the principal balance of the loan on the last day of the Interim Period. considerationfor my Application and Loan Agreement,which date will be the date If my loan is the ComprehensweAccess" Loan or Optimum*Loan,you may, at shownonmyloan check,the datethe loan fundsare electronicallytransferredto my your option, add aff accrued and unpaid interest on my loan to the principal schoolor the date on which any mastercheck is mailedto my school balance of the loan five years after the date of the first disbursementof my Period" 3. "Interim means the period begmning on the mitial DisbursementDate ComprehensiveAccess" Loan or Optimum*Loan (if my loan has notyet entered and ending on (a) if my Access Group Program is the Law Access", Graduate repaymentat that time), and again when my loan enters repayment. Access" Access", Health Access*, or Business program, the date which is nine E.TERMSOFREPAYMENT monthsafter I graduate or otherwise cease to be enrolled at least half-time at the 1.Interim Period- Duringthe interim Penodyou willsend me quarterlystatements school named on my Application and Loan Agreement or any other school showmg my loan disbursements and the interest that accrues on my loan. participating in my Access Group Program,(b) if my Access Group Programis the Statementswill be sent to the address shown on your records, as provided in Medical Access* or Medical Residency Loan program, the date which is nme ParagraphL The quarterly statementswill cover periods beginningonthe initial months after the date I graduate or otherwise cease to be enrolled at least DisbursementDateandthereafter on the firstday of each January,April,July, and half-time at the medical school named on my Application and LoanAgreementor October, I may, but am not required to, make payments of interest or principal Access' program, unlesson any other medical school participating in the Medical during the laterim Period. You may add any interest that I do not pay during the such date I am participatmg m a required residency program, in which event the Interim Periodto the principal balance, as described in ParagraphD.3. Period" "Interim will end on the date which is nine months after the date 2. RepaymentPeriod - During the RepaymentPeriod you will sendme periodic I complete or otherwise cease to participate in such residency program, butin no statements on my loan. The periodic statements will cover periods beginning on eventlater than 57months after the date I graduate from medical school (I will be the first day of the RepaymentPeriod and on the same day of each followmg consideredto be panspâtmg in a required residency program only if I have sent month. I will make consecutive monthly payments in the amountsand on the Continued on page 5. FILED: RICHMOND COUNTY CLERK 02/17/2021 02:15 PM INDEX NO. 150352/2021 NYSCEF DOC. NO. 4 RECEIVED NYSCEF: 02/17/2021 Student Borrowers - Statement of Loan Terms and Conditions for Group® Access 2002-2003 Private Loan Programs Continued from page 4. payment due dates shown on my periodic statements until I have paid all of the employeesand court and other collection costs, which you, or anyagentof yours, principal and interest and any other charges I may owe on my loan, as described incur in enforcing the terms of my Application and LoanAgreement(includingthis in this Statementof LoanTermsand Conditions. Statementof LoanTermsand Conditions). 3. RepaymentTerms - The amounts shown on my periodic statements will be L NOTICES consecutive monthly installments of principal and interest calculated each 1. I will send written notice to you within ten days after any changein my name, Change Date to equal the amount necessary to amortize the unpaid principal address,e-mail address,telephone number,school enrollmentstatus,or residency balance (includmg capitalized interest and loan fee, if anyl of my loan (as of the or postdoctoralprogramparticipation. date of calculation) in equal monthly installments of principal and interest at the 2. Any notice required to be given to me by you will be effective (and deemed Variable Rate then in effect over the number of months remaining in the received) when mailed by first class mail to the latest addressyouhavefor me. RepaymentPeriod. 4. Amounts Owing at the End of the RepaymentPeriod - Since interest accrues M. ADDITIONALAGREEMENTS daily upon the unpaid principal balance of my loan, if I make payments after my 1.Theproceedsof my loanwill be used(a) if my Access GroupProgramis the Law payment due dates, I may owe additional mterest. If I have not paid my late Access", BusinessAccess", GraduateAccess*, HealthAccess®,MedicalAccess*, charges, I will also owe additional amountsfor those late charges. In such case Dental Access", Comprehensive Access" Loan program or Optimum* Loan you will increasethe amountof my last monthly paymentto the amountnecessary program, only for my educational expenses at the school identified in my to repay my loan in full, Application and Loan Agreement, (b) if my Access Group Programis the B