KeyCorp Student Loan Trusts Original Pool Characteristics as of the Statistical Cutoff Date Student Loan Trust Summary

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1 Student Loan Trust Summary I KeyCorp Student Loan Trust Date of Closing 11/17/2005 8/12/2004 8/14/2003 9/24/2002 9/14/ /17/2005 8/12/2004 8/14/2003 9/24/2002 9/14/2001 Statistical Cutoff Date 8/1/2005 6/1/2004 7/1/2003 8/1/2002 8/1/2001 8/1/2005 6/1/2004 7/1/2003 8/1/2002 8/1/2001 Aggregate Principal Balance without Accrued Interest $235,296,254 $271,549,492 $310,464,301 $219,326,507 $305,623,679 $524,795,624 $670,681,907 $530,593,041 $586,313,858 $386,458,625 Total Accrued Interest $2,311,924 $3,510,034 $2,599,216 $6,285,557 $12,866,822 $27,344,650 $31,228,140 $24,794,515 $37,521,356 $29,023,076 Aggregate Outstanding Balance $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 Number of Borrowers 14,134 11,553 12,424 4,302 6,895 28,091 39,057 33,575 41,174 29,157 Average Outstanding Balance per Borrower $16,811 $23,808 $25,198 $52,444 $46,192 $19,655 $17,971 $16,542 $15,151 $14,250 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 Average Outstanding Balance per Loan $7,094 $8,801 $9,935 $17,214 $13,051 $9,220 $10,070 $10,046 $9,726 $8,961 Weighted Average Remaining Term to Maturity (months) (1) Weighted Average Interest Rate (2) 4.26% 3.85% 4.37% 5.40% 6.52% 6.33% 4.24% 4.47% 5.03% 6.77% (1) Determined from the statistical cutoff date to the stated maturity date of the student loans, assuming repayment commences promptly upon expiration of the typical grace period following the expected graduation date and without giving effect to any deferral periods or forbearance periods that may be granted in the future. See "The Student Loan Financing Business" in the applicable prospectus. (2) Determined using the borrower interest rates exclusive of special allowance payments applicable to the initial student loans as of the statistical cutoff date. However, because all the student loans effectively bear interest at a variable rate per annum, there can be no assurance that the foregoing rate will remain applicable to the student loans at any time after the statistical cutoff date. See "The Student Loan Financing Business" in the applicable prospectus. KSLT 2006-A Page 1

2 Loan Index and Status Distribution I Loan Index/Status Aggregate Outstanding Principal Commercial Paper Rate In School/Grace/Deferral/Forbearance $79,290,564 Repayment $156,915,823 Subtotal $236,206,387 $249,816,082 $301,146,376 $181,754,988 $135,511,335 Treasury Bill Rate In School/Grace/Deferral/Forbearance $582,876 $1,097,204 Repayment $818,916 $13,826,558 Subtotal $1,401,792 $25,243,444 $11,917,141 $43,857,077 $182,979,166 $14,923,762 $47,612,424 $72,184,779 $143,291,755 $212,646,441 Prime Rate In School/Grace/Deferral/Forbearance $55,179,703 Repayment $11,295,168 Subtotal $66,474,871 $26,771,563 $3,860,408 $149,034,285 $71,185,523 LIBOR Rate In School/Grace/Deferral/Forbearance $343,174,765 Repayment $127,566,877 Subtotal $470,741,642 $627,526,060 $479,342,369 $331,509,175 $131,649,737 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,215 $415,481,701 Weighted Average Spread Commercial Paper Rate In School/Grace/Deferral/Forbearance 1.93% 2.31% 2.43% 2.43% 2.46% Repayment 2.59% 2.53% 2.55% 2.57% 2.58% Treasury Bill Rate In School/Grace/Deferral/Forbearance 2.51% 2.80% 2.48% 2.34% 2.52% 2.58% 3.28% 3.19% 3.21% 2.97% Repayment 3.00% 3.02% 2.89% 2.86% 2.92% 3.88% 3.27% 3.16% 3.20% 2.98% Prime Rate In School/Grace/Deferral/Forbearance 1.00% 1.02% 1.46% 0.41% 1.04% Repayment 1.00% 1.02% 1.46% 0.41% 1.04% LIBOR Rate In School/Grace/Deferral/Forbearance 2.84% 2.94% 3.04% 3.03% 2.72% Repayment 3.05% 3.19% 3.27% 3.24% 2.82% KSLT 2006-A Page 2

3 Distribution by Loan Type I Federal Loans Stafford-Subsidized 13,398 13,985 13,341 4,069 10,550 Stafford-Unsubsidized 10,209 9,486 9,677 3,955 9,863 PLUS 1,390 1,296 1, SLS Federal Consolidation 8,491 6,171 7,365 5,051 3,837 Total 33,493 31,253 31,510 13,106 24,404 Aggregate Outstanding Principal Balance (1) Stafford-Subsidized $44,344,115 $50,397,933 $47,289,680 $30,668,075 $80,461,660 Stafford-Unsubsidized $47,818,321 $52,630,718 $49,683,462 $56,777,002 $127,577,882 PLUS $10,232,888 $9,704,784 $7,755,648 $133,415 $1,065,009 SLS $16,143 $469,439 $101,444 $137,620 $190,234 Federal Consolidation $135,196,711 $161,856,653 $208,233,282 $137,895,954 $109,195,717 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 Stafford-Subsidized 18.66% 18.32% 15.11% 13.59% 25.26% Stafford-Unsubsidized 20.12% 19.13% 15.87% 25.17% 40.06% PLUS 4.31% 3.53% 2.48% 0.06% 0.33% SLS 0.01% 0.17% 0.03% 0.06% 0.06% Federal Consolidation 56.90% 58.84% 66.51% 61.12% 34.29% Total 100% 100% 100% 100% 100% Private Loans Private Unguaranteed Loans: Key Alternative 42,158 40,389 31,795 28,862 20,374 Campus Door 8,037 Key Career 11,385 10,396 9,536 Private Graduate: Graduate 2 Dental 1,400 1,394 1,537 1,567 2,448 Law 3,827 Medical 2,747 Private Unguaranteed Consolidation Private Guaranteed Loans: Private Guaranteed/Access Program (3) 166 TERI Rehabilitated 721 Private Guaranteed Consolidation Private Loans - Other (4): Alternative Health Education Loan Program 91 Alternative Loan Program - Private Undergraduate Loan 4,217 1,673 8,754 3,271 Bar Exam Loans 1,342 1,947 1,263 2,951 Business Loans Columbia Int'l Loan Columbia Law Loan 5 Chiropractic Health Loans Continuing Education Loans Dental Loans Graduate Loans ,831 6,938 International Student Loans Law Loans 5,342 3,460 3,246 5,698 Medical Loans 3,969 3,272 4,150 4,013 Residency Loans Private Loans for Students Attending SABA University Other Private Unguaranteed Loans 137 Total 59,882 69,701 55,282 64,141 46,368 KSLT 2006-A Page 3

4 Distribution by Loan Type (cont.) I Aggregate Outstanding Principal Balance (2) Private Unguaranteed Loans: Key Alternative $345,235,972 $370,623,766 $267,012,996 $215,568,630 $125,130,205 Campus Door $66,204,852 Key Career $101,961,892 $94,092,717 $79,694,377 Private Graduate: Graduate $18,855 Dental $19,423,148 $18,746,569 $19,565,299 $19,426,863 $30,131,075 Law $45,129,649 Medical $32,656,240 Private Unguaranteed Consolidation $28,535,142 $41,430,632 $35,053,278 $11,742,359 Private Guaranteed Loans: Private Guaranteed/Access Program (3) $1,661,034 TERI Rehabilitated $7,661,119 Private Guaranteed Consolidation $5,614,264 $238,226 Private Loans - Other (4): Alternative Health Education Loan Program $921,580 Alternative Loan Program - Private Undergraduate Loan $34,141,308 $17,152,515 $91,015,629 $29,429,984 Bar Exam Loans $9,107,932 $16,751,210 $11,203,480 $21,351,143 Business Loans $76,616 $15,155 $316,718 Columbia Int'l Loan Columbia Law Loan $181,152 Chiropractic Health Loans $87,542 $2,629,933 Continuing Education Loans $210,345 $3,138,210 Dental Loans $784,395 $715,686 $4,339,831 Graduate Loans $3,125,910 $4,854,061 $78,180,321 $79,429,391 International Student Loans $13,429 $1,673,159 $204,000 Law Loans $49,900,591 $50,659,261 $46,503,993 $72,299,963 Medical Loans $67,764,570 $48,804,053 $58,429,491 $49,376,810 Residency Loans $3,966,225 $269,838 $1,431,020 $2,362,313 Private Loans for Students Attending SABA University $1,545,326 $690,891 Other Private Unguaranteed Loans $1,140,651 Total $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 Private Unguaranteed Loans: Key Alternative 62.53% 52.80% 48.08% 34.56% 30.12% Campus Door 11.99% Key Career 14.53% 16.94% 12.77% Private Graduate: Graduate 0.00% Dental 3.52% 2.67% 3.52% 3.11% 7.25% Law 8.17% Medical 5.91% Private Unguaranteed Consolidation 5.17% 5.90% 6.31% 1.88% Private Guaranteed Loans: Private Guaranteed/Access Program (3) 0.30% TERI Rehabilitated 1.39% Private Guaranteed Consolidation 1.02% 0.06% Private Loans - Other (4): Alternative Health Education Loan Program 0.15% Alternative Loan Program - Private Undergraduate Loan 4.86% 3.09% 14.59% 7.08% Bar Exam Loans 1.30% 3.02% 1.80% 5.14% Business Loans 0.01% 0.00% 0.08% Columbia Int'l Loan Columbia Law Loan 0.04% Chiropractic Health Loans 0.02% 0.42% Continuing Education Loans 0.04% 0.50% Dental Loans 0.14% 0.11% 1.04% Graduate Loans 0.45% 0.87% 12.53% 19.12% International Student Loans 0.00% 0.27% 0.05% Law Loans 7.11% 9.12% 7.45% 17.40% Medical Loans 9.65% 8.79% 9.37% 11.88% Residency Loans 0.57% 0.05% 0.23% 0.57% Private Loans for Students Attending SABA University 0.25% 0.17% Other Private Unguaranteed Loans 0.16% Total 100% 100% 100% 100% 100% (1) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 in KSLT 2005-A; $3,510, in KSLT 2004-A; $2,599,216 in KSLT 2003-A; $6,285,557 in KSLT 2002-A; and $12,866,822 in KSLT 2001-A as of statistical cutoff date. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $27,344,650 in KSLT 2005-A; $31,228, in KSLT 2004-A; $24,794,515 in KSLT 2003-A; $37,521,356 in KSLT 2002-A; and $29,023,076 in KSLT 2001-A as of the statistical cutoff date. (3) Private Guaranteed/Access Program category includes loans originated or acquired through the Access Program and other similar loans acquired through third party originators. (4) Data for KSLT 2001-A through KSLT 2004-A does not categorize these loan types into guaranteed or nonguaranteed loans, so therefore they are listed individually as they appear in the applicable prospectus. KSLT 2006-A Page 4

5 Distribution by Borrower Interest Rate (1) I Interest Rate Less than 3.00% 2,107 17, % to 3.49% 2,265 5,973 14,975 6,389 8, % to 3.99% 1,464 2, (3) 37,318 11, % to 4.49% 2,075 4,523 9,173 1,354 8,389 31,281 9, % to 4.99% 15, , ,160 39, % to 5.49% 8, , , , % to 5.99% ,051 8, , % to 6.49% 1, ,584 37,724 9, ,328 25, % to 6.99% ,301 3,690 3, ,190 4,946 13, % to 7.49% ,305 4, % to 7.99% % to 8.49% , , % to 9.49% , % and above 900 Total 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 Aggregate Outstanding Principal (2) Interest Rate Less than 3.00% $30,579,530 $93,786,371 $8,426,440 $7,982 $65, % to 3.49% $28,034,256 $35,699,270 $70,921,702 $73,405,059 $113,575,873 $202, % to 3.99% $29,405,927 $50,002,690 $19,254,396 $60,709 $185,155 (3) $343,324,573 $128,499,096 $326, % to 4.49% $33,862,589 $67,604,082 $70,074,372 $11,570,205 $79,735,053 $273,095,933 $107,465, % to 4.99% $72,654,501 $2,789,838 $100,343,596 $7,325,044 $36,995,264 $25,369,045 $365,727, % to 5.49% $26,343,470 $3,145,287 $24,919,961 $1,386,803 $105,626,273 $296,368 $37,578,260 $31,004,789 $21,741, % to 5.99% $1,409,299 $1,257,891 $2,435,591 $4,288,780 $52,008,460 $92,599,033 $469,818 $14,510,361 $10,466,909 $9,021, % to 6.49% $11,496,254 $1,280,014 $3,653,688 $26,699,553 $24,465,591 $320,311,075 $89,452,009 $3,092,370 $36,630,604 $211,155, % to 6.99% $1,084,346 $1,515,217 $6,972,079 $91,759,443 $38,839,976 $36,530,618 $714,074 $79,613,448 $35,333,547 $141,092, % to 7.49% $294,283 $425,686 $1,312,652 $3,423,244 $1,993,109 $102,361,861 $46,050,316 $3,040, % to 7.99% $1,014,218 $1,484,058 $944,970 $1,801,499 $15,454,770 $414, % to 8.49% $1,322,252 $2,606,250 $3,517,456 $3,550,542 $79,298,323 $41,321 $53,428 $13,078, % to 9.49% $107,253 $13,462,872 $286,614 $333,202 $618,844 $38,647 $27,197, % and above $10,481,349 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 Interest Rate Less than 3.00% 12.87% 34.10% 2.69% 0.00% 0.01% 3.00% to 3.49% 11.80% 12.98% 22.65% 32.54% 16.18% 0.04% 3.50% to 3.99% 12.38% 18.18% 6.15% 0.03% 0.06% (3) 48.91% 23.14% 0.05% 4.00% to 4.49% 14.25% 24.58% 22.38% 5.13% 11.36% 49.17% 17.23% 4.50% to 4.99% 30.58% 1.01% 32.05% 3.25% 5.27% 4.57% 58.63% 5.00% to 5.49% 11.09% 1.14% 7.96% 0.61% 33.16% 0.05% 5.35% 5.58% 3.49% 5.50% to 5.99% 0.59% 0.46% 0.78% 1.90% 16.33% 16.77% 0.07% 2.61% 1.68% 2.17% 6.00% to 6.49% 4.84% 0.47% 1.17% 11.83% 7.68% 58.01% 12.74% 0.56% 5.87% 50.82% 6.50% to 6.99% 0.46% 0.55% 2.23% 40.67% 12.20% 6.62% 0.10% 14.33% 5.66% 33.96% 7.00% to 7.49% 0.12% 0.15% 0.42% 1.52% 0.63% 18.54% 7.38% 0.73% 7.50% to 7.99% 0.43% 0.54% 0.30% 0.80% 4.85% 0.10% 8.00% to 8.49% 0.56% 0.95% 1.12% 1.57% 24.90% 0.01% 0.01% 3.15% 8.50% to 9.49% 0.05% 4.89% 0.09% 0.15% 0.19% 0.01% 6.55% 9.50% and above 2.52% Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% (1) Determined using the interest rates applicable to the initial student loans as of the statistical cutoff date. However, because many of the initial student loans effectively bear interest at a variable rate per annum, we can give you no assurance that the information above will remain applicable to the initial student loans at any time after the statistical cutoff date. See The Student Loan Financing Business in the applicable prospectus. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 with respect to and $27,344,650 with respect to I in KSLT 2005-A; $3,510,034 with respect to and $31,228,140 with respect to I in KSLT 2004-A; $2,599,216 with respect to and $24,794,515 with respect to I in KSLT 2003-A; $6,285,557 with respect to and $37,521,858 with respect to I in KSLT 2002-A; and $12,866,822 with respect to and $29,023,076 with respect to I in KSLT 2001-A as of the statistical cutoff date. (3) Figures represent all loans less than 5%. KSLT 2006-A Page 5

6 Distribution by Outstanding Principal Balance I (1) Aggregate Outstanding Balance: Less than $1, ,151 2,740 2, ,281 1, , $1,000 to $1, ,771 3,865 3, ,770 4,052 2,908 3,283 2,386 $2,000 to $2, ,513 5,776 5, ,403 5,798 3,998 4,398 3,472 $3,000 to $3, ,678 3,539 3, ,356 5,622 4,232 4,953 3,806 $4,000 to $4, ,615 2,135 1, ,708 5,486 4,168 4,784 3,572 $5,000 to $5, ,870 3,663 3, ,001 5,482 6,421 5,031 5,634 4,527 $6,000 to $6, ,131 5,287 4,624 5,290 4,473 $7,000 to $7, ,383 3,834 3,173 4,118 2,762 $8,000 to $8, ,623 1,909 1,724 3,305 8,287 3,251 3,698 3,338 3,885 4,054 $9,000 to $9, ,535 2,869 2,688 3,726 2,585 $10,000 to $10, ,277 5,541 4,719 4,989 3,353 $11,000 to $11, ,293 4,416 3,544 3,728 2,729 $12,000 to $12, ,921 (3) ,099 10,508 (3) 1,736 1,774 2,214 1,294 $13,000 to $13, ,432 1,015 1, $14,000 to $14, , , $15,000 to $15, , $16,000 to $16, ,295 1, $17,000 to $17, ,039 (3) ,645 (3) $18,000 to $18, $19,000 to $19, $20,000 to $20, $21,000 to $21, $22,000 to $22, (3) ,026 (3) $23,000 to $23, $24,000 to $24, $25,000 to $25, $26,000 to $26, $27,000 to $27, (3) (3) $28,000 to $28, $29,000 to $29, $30,000 to $30, $31,000 to $31, $32,000 to $32, (3) (3) $33,000 to $33, $34,000 to $34, $35,000 to $35, $36,000 to $36, $37,000 to $37, (3) (3) $38,000 to $38, $39,000 to $39, $40,000 to $ 44, $45,000 to $ 49, $50,000 to $ 54, $55,000 to $ 59, ,156 (4) 1,392 (4) 932 (4) 748 (4) $60,000 to $ 64, ,763 (4) 1,305 (4) 1,136 (4) 618 (4) $65,000 to $ 69, $70,000 to $ 74, $75,000 and greater Total 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 KSLT 2006-A Page 6

7 Distribution by Outstanding Principal Balance (cont.) I Aggregate Outstanding Principal Balance (2) Aggregate Outstanding Balance: Less than $1, $1,851,913 $1,576,526 $1,578,006 $81,375 $178,015 $868,088 $855,905 $508,829 $636,611 $428,709 $1,000 to $1, $7,074,110 $5,691,271 $5,622,699 $381,247 $778,464 $5,567,008 $5,988,410 $4,338,818 $4,952,657 $3,597,152 $2,000 to $2, $16,470,082 $14,570,673 $13,484,681 $817,738 $1,492,531 $13,273,099 $14,300,044 $9,891,643 $10,989,994 $8,642,710 $3,000 to $3, $12,896,132 $12,267,750 $11,050,532 $1,110,767 $2,243,662 $18,562,769 $19,518,493 $14,731,071 $17,299,373 $13,206,050 $4,000 to $4, $11,427,460 $9,448,068 $8,588,399 $1,675,369 $3,662,161 $21,089,891 $24,567,139 $18,723,157 $21,630,700 $16,013,976 $5,000 to $5, $21,091,895 $19,957,818 $18,827,414 $2,531,408 $5,487,487 $30,124,738 $35,401,680 $27,675,127 $30,996,537 $24,813,676 $6,000 to $6, $4,885,744 $3,654,766 $3,666,391 $1,427,922 $3,550,871 $26,801,578 $34,411,753 $30,026,663 $34,310,933 $29,038,700 $7,000 to $7, $4,619,738 $3,608,783 $3,507,955 $1,641,774 $5,638,622 $25,324,953 $28,727,906 $23,829,188 $30,808,484 $20,727,472 $8,000 to $8, $13,706,235 $16,220,160 $14,648,400 $28,085,904 $70,253,954 $27,604,880 $31,467,507 $28,408,223 $33,000,278 $34,651,044 $9,000 to $9, $4,376,277 $3,370,645 $4,039,679 $2,105,985 $5,768,582 $24,017,696 $27,190,129 $25,544,968 $35,374,173 $24,420,359 $10,000 to $10, $8,404,386 $8,238,756 $6,842,331 $13,385,243 $58,883,258 $50,069,087 $53,019,476 $35,457,550 $11,000 to $11, $3,758,393 $4,042,741 $9,379,378 $26,328,719 $50,624,342 $40,369,837 $42,496,030 $31,150,785 $12,000 to $12, $22,979,872 (3) $2,711,287 $2,784,384 $3,461,523 $13,861,925 (6) $126,048,468 (3) $21,715,394 $22,129,604 $27,437,736 $16,110,890 $13,000 to $13, $2,790,338 $2,548,371 $3,666,873 $3,928,541 $19,353,844 $13,687,817 $17,806,191 $8,842,972 $14,000 to $14, $2,565,909 $3,587,920 $2,460,232 $2,745,208 $16,184,523 $12,741,371 $16,837,148 $7,991,915 $15,000 to $15, $2,448,616 $3,583,575 $2,790,540 $2,692,229 $17,732,229 $14,480,520 $13,913,555 $8,157,864 $16,000 to $16, $2,358,576 $3,460,458 $2,368,764 $2,634,424 $21,372,112 $18,221,326 $15,850,742 $7,413,117 $17,000 to $17, $17,965,418 (3) $2,767,420 $3,503,673 $2,640,746 $2,360,899 $94,147,203 (3) $17,239,186 $10,174,326 $12,661,103 $7,569,830 $18,000 to $18, $2,976,730 $3,910,401 $2,848,173 $2,818,927 $11,404,208 $9,239,399 $13,500,436 $8,080,473 $19,000 to $19, $3,003,037 $4,853,245 $3,568,919 $3,635,364 $13,732,822 $10,810,872 $16,765,764 $7,401,566 $20,000 to $20, $2,761,362 $5,042,809 $3,484,425 $3,448,567 $9,864,422 $10,154,735 $17,508,105 $7,606,441 $21,000 to $21, $3,058,855 $4,572,955 $4,277,205 $3,477,163 $12,630,601 $10,987,094 $14,935,580 $6,589,399 $22,000 to $22, $13,792,428 (3) $2,906,400 $4,473,648 $3,890,647 $3,882,652 $44,966,903 (3) $12,632,015 $10,308,631 $10,458,020 $5,555,759 $23,000 to $23, $2,784,173 $4,726,640 $4,000,840 $4,304,682 $9,337,080 $5,922,599 $8,260,952 $4,666,630 $24,000 to $24, $3,839,335 $4,726,326 $4,729,389 $4,188,789 $7,632,016 $5,385,665 $6,612,622 $3,598,881 $25,000 to $25, $3,363,510 $4,951,807 $4,584,072 $4,814,491 $7,026,353 $3,749,037 $5,613,594 $4,242,634 $26,000 to $26, $3,049,462 $5,509,646 $4,601,162 $4,265,416 $7,193,247 $4,990,791 $4,773,135 $2,784,171 $27,000 to $27, $10,366,669 (3) $3,659,051 $5,338,195 $4,235,121 $4,776,989 $26,917,403 (3) $7,086,053 $4,399,909 $4,345,657 $5,250,466 $28,000 to $28, $3,593,995 $4,272,476 $4,500,291 $4,189,847 $4,871,779 $3,244,237 $4,807,882 $3,642,857 $29,000 to $29, $3,274,972 $5,224,525 $4,660,099 $4,396,712 $5,261,977 $3,856,220 $3,687,397 $2,744,188 $30,000 to $30, $4,300,982 $6,377,721 $4,850,085 $5,306,667 $4,386,165 $2,620,450 $2,559,522 $4,016,564 $31,000 to $31, $4,510,987 $5,614,178 $5,974,539 $9,046,160 $4,125,501 $2,430,777 $2,770,913 $2,707,852 $32,000 to $32, $18,151,697 (3) $8,193,125 $8,913,947 $4,835,701 $6,675,027 $16,913,426 (3) $4,675,277 $2,983,041 $3,861,849 $2,177,865 $33,000 to $33, $3,618,231 $5,188,680 $6,162,484 $10,971,184 $4,583,705 $3,788,169 $3,213,866 $2,709,423 $34,000 to $34, $6,907,927 $4,996,857 $5,676,041 $5,347,378 $3,518,586 $2,967,978 $3,308,891 $2,140,369 $35,000 to $35, $2,482,593 $4,435,831 $7,491,699 $10,435,283 $2,767,699 $2,519,369 $3,153,663 $1,808,686 $36,000 to $36, $3,358,744 $5,109,706 $6,498,514 $4,296,416 $2,774,405 $2,480,206 $2,742,713 $1,498,881 $37,000 to $37, $9,998,645 (3) $3,111,722 $5,810,095 $4,456,978 $3,859,750 $8,967,196 (3) $3,298,891 $2,664,071 $2,177,676 $1,797,745 $38,000 to $38, $4,236,327 $3,810,776 $5,799,148 $6,957,623 $3,158,083 $2,194,178 $2,811,531 $1,961,748 $39,000 to $39, $2,845,241 $6,228,086 $2,964,835 $3,854,545 $2,639,977 $2,209,773 $1,819,312 $1,856,751 $40,000 to $ 44, $6,289,104 $6,220,847 $45,000 to $ 49, $4,847,144 $4,815,385 $50,000 to $ 54, $4,078,673 $3,555,862 $55,000 to $ 59, $3,597,776 $3,023,966 $75,051,377 (4) $82,210,932 (4) $48,051,821 (4) $36,549,330 (4) $60,000 to $ 64, $3,127,510 $2,566,564 $111,775,330 (4) $79,928,782 (4) $64,124,415 (4) $32,407,579 (4) $65,000 to $ 69, $1,687,068 $2,968,218 $70,000 to $ 74, $1,383,402 $1,674,371 $75,000 and greater $20,943,189 $16,119,765 Total (5) $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 KSLT 2006-A Page 7

8 Distribution by Outstanding Principal Balance (cont.) I Aggregate Outstanding Balance: Less than $1, % 0.57% 0.50% 0.04% 0.06% 0.16% 0.12% 0.09% 0.10% 0.10% $1,000 to $1, % 2.07% 1.80% 0.17% 0.24% 1.01% 0.85% 0.78% 0.79% 0.87% $2,000 to $2, % 5.30% 4.31% 0.36% 0.47% 2.40% 2.04% 1.78% 1.76% 2.08% $3,000 to $3, % 4.46% 3.53% 0.49% 0.70% 3.36% 2.78% 2.65% 2.77% 3.18% $4,000 to $4, % 3.43% 2.74% 0.74% 1.15% 3.82% 3.50% 3.37% 3.47% 3.85% $5,000 to $5, % 7.26% 6.01% 1.12% 1.72% 5.46% 5.04% 4.98% 4.97% 5.97% $6,000 to $6, % 1.33% 1.17% 0.63% 1.11% 4.85% 4.90% 5.41% 5.50% 6.99% $7,000 to $7, % 1.31% 1.12% 0.73% 1.77% 4.59% 4.09% 4.29% 4.94% 4.99% $8,000 to $8, % 5.90% 4.68% 12.45% 22.06% 5.00% 4.48% 5.12% 5.29% 8.34% $9,000 to $9, % 1.23% 1.29% 0.93% 1.81% 4.35% 3.87% 4.60% 5.67% 5.88% $10,000 to $10, % 2.63% 3.03% 4.20% 8.39% 9.02% 8.50% 8.53% $11,000 to $11, % 1.29% 4.16% 8.27% 7.21% 7.27% 6.81% 7.50% $12,000 to $12, % (3) 0.99% 0.89% 1.53% 4.35% 22.83% (3) 3.09% 3.98% 4.40% 3.88% $13,000 to $13, % 0.81% 1.63% 1.23% 2.76% 2.46% 2.85% 2.13% $14,000 to $14, % 1.15% 1.09% 0.86% 2.31% 2.29% 2.70% 1.92% $15,000 to $15, % 1.14% 1.24% 0.85% 2.53% 2.61% 2.23% 1.96% $16,000 to $16, % 1.11% 1.05% 0.83% 3.04% 3.28% 2.54% 1.78% $17,000 to $17, % (3) 1.01% 1.12% 1.17% 0.74% 17.05% (3) 2.46% 1.83% 2.03% 1.82% $18,000 to $18, % 1.25% 1.26% 0.89% 1.62% 1.66% 2.16% 1.94% $19,000 to $19, % 1.55% 1.58% 1.14% 1.96% 1.95% 2.69% 1.78% $20,000 to $20, % 1.61% 1.54% 1.08% 1.41% 1.83% 2.81% 1.83% $21,000 to $21, % 1.46% 1.90% 1.09% 1.80% 1.98% 2.39% 1.59% $22,000 to $22, % (3) 1.06% 1.43% 1.72% 1.22% 8.14% (3) 1.80% 1.86% 1.68% 1.34% $23,000 to $23, % 1.51% 1.77% 1.35% 1.33% 1.07% 1.32% 1.12% $24,000 to $24, % 1.51% 2.10% 1.32% 1.09% 0.97% 1.06% 0.87% $25,000 to $25, % 1.58% 2.03% 1.51% 1.00% 0.68% 0.90% 1.02% $26,000 to $26, % 1.76% 2.04% 1.34% 1.02% 0.90% 0.77% 0.67% $27,000 to $27, % (3) 1.33% 1.71% 1.88% 1.50% 4.88% (3) 1.01% 0.79% 0.70% 1.26% $28,000 to $28, % 1.36% 1.99% 1.32% 0.69% 0.58% 0.77% 0.88% $29,000 to $29, % 1.67% 2.07% 1.38% 0.75% 0.69% 0.59% 0.66% $30,000 to $30, % 2.04% 2.15% 1.67% 0.62% 0.47% 0.41% 0.97% $31,000 to $31, % 1.79% 2.65% 2.84% 0.59% 0.44% 0.44% 0.65% $32,000 to $32, % (3) 2.98% 2.85% 2.14% 2.10% 3.06% (3) 0.67% 0.54% 0.62% 0.52% $33,000 to $33, % 1.66% 2.73% 3.44% 0.65% 0.68% 0.52% 0.65% $34,000 to $34, % 1.60% 2.52% 1.68% 0.50% 0.53% 0.53% 0.52% $35,000 to $35, % 1.42% 3.32% 3.28% 0.39% 0.45% 0.51% 0.44% $36,000 to $36, % 1.63% 2.88% 1.35% 0.40% 0.45% 0.44% 0.36% $37,000 to $37, % (3) 1.13% 1.86% 1.98% 1.21% 1.62% (3) 0.47% 0.48% 0.35% 0.43% $38,000 to $38, % 1.22% 2.57% 2.18% 0.45% 0.40% 0.45% 0.47% $39,000 to $39, % 1.99% 1.31% 1.21% 0.38% 0.40% 0.29% 0.45% $40,000 to $ 44, % 1.13% $45,000 to $ 49, % 0.87% $50,000 to $ 54, % 0.64% $55,000 to $ 59, % 0.55% 27.29% (4) 26.26% (4) 21.30% (4) 11.48% (4) $60,000 to $ 64, % 0.46% 15.92% (4) 14.39% (4) 10.28% (4) 7.80% (4) $65,000 to $ 69, % 0.54% $70,000 to $ 74, % 0.30% $75,000 and greater 8.81% 2.92% Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% (1) Borrowers generally have more than one outstanding loan. The average aggregate outstanding principal balance of loans per borrower is $16,811 with respect to and $19,655 with respect to I in KSLT 2005-A; $23, with respect to and $17, with respect to I in 2004-A; $25,198 with respect to and $16,542 with respect to I in KSLT 2003-A; $17,214 with respect to and $9,726 with respect to I in KSLT 2002-A; and $46,192 with respect to and $14,250 with respect to I in KSLT 2001-A, each as of the statistical cutoff date. Approximately 1,039 borrowers had both and I loans in KSLT 2004-A; 856 borrowers had and II loans in KSLT 2003-A; 843 borrowers had and II loans in KSLT 2002-A; and 1,513 borrowers had and II loans in KSLT 2001-A. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 with respect to and $27,344,650 with respect to I in KSLT 2005-A; $3,510,034 with respect to and $31,228,140 with respect to I in KSLT 2004-A; $2,599,216 with respect to and $24,794,515 with respect to I in KSLT 2003-A; $6,285,557 with respect to and $37,521,858 with respect to I in KSLT 2002-A; and $12,866,822 with respect to and $29,023,076 with respect to I in KSLT 2001-A as of the statistical cutoff date. (3) KSLT 2005-A figures represent loans with aggregate outstanding balances that fall into $10,000-$14,999, $15,000-$19,999, $20,000-$24,999, $25,000-$29,999, $30,000-$34,999, and $35,000-$39,999 buckets. (4) KSLT 2001-A through KSLT 2004-A figures represent all loans with an aggregate outstanding balance of $40,000 and greater (5) The sum in any column may not equal the total indicated due to rounding. (6) Corrected due to a typographical error in the original prospectus supplement; the originally published (incorrect) figure was $138,861,925. KSLT 2006-A Page 8

9 Distribution by Stated Remaining Term I Stated Remaining Term in Months (1): , ,590 5,713 4, ,543 1,965 2,757 2,424 4,124 2, ,307 18,730 17,940 7,285 15,923 13,202 14,521 13,341 12,531 11, , , ,526 2, , ,786 30,082 23,562 16,923 9, ,070 2,493 1, ,721 2, , ,266 5,259 1,291 6, , , ,139 1,650 3,012 5,736 3,110 (3) ,059 7,379 5,354 2,382 16,310 (3) ,243 1,924 1,311 3, ,419 1, and greater 1,010 1,133 1,781 1, Total 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 Aggregate Outstanding Principal Balance (2) Stated Remaining Term in Months (1): 0 23 $42,778 $327,833 $272,916 $9,058 $15,764 $738 $205,568 $87,086 $225,090 $128, $209,313 $992,168 $1,075,570 $483,807 $265,712 $53,207 $1,470,423 $868,979 $1,101,280 $570, $663,285 $1,758,531 $3,574,166 $2,195,039 $782,392 $132,829 $10,685,126 $1,289,030 $2,483,505 $1,133, $624,611 $1,414,003 $3,931,255 $3,082,856 $736,977 $218,160 $3,336,138 $2,204,042 $2,899,949 $1,452, $27,036,834 $26,029,882 $24,253,043 $12,753,029 $39,485,801 $9,854,446 $14,277,013 $12,456,751 $21,336,036 $11,729, $78,350,900 $91,557,411 $81,439,530 $82,291,793 $170,607,929 $67,572,130 $80,324,588 $75,266,166 $68,748,307 $60,620, $6,313,106 $2,246,432 $4,036,636 $1,058,296 $1,665,459 $1,056,045 $4,753,143 $4,074,008 $33,017,025 $15,800, $12,054,407 $9,123,008 $7,883,560 $6,425,746 $3,226,047 $215,054,019 $309,770,126 $239,044,327 $161,990,179 $71,407, $2,676,381 $1,428,564 $518,026 $0 $106,225 $2,358,297 $7,362,105 $11,518,456 $23,557,920 $13,043, $11,718,263 $8,341,474 $13,324,962 $11,080,133 $4,234,372 $8,475,388 $11,920,053 $12,387,154 $54,478,209 $31,263, $16,130,986 $8,457,684 $3,305,974 $1,055,017 $85,758,690 $80,693,576 $29,930,291 $103,123, $794,415 $2,070,249 $219,902 $201,591 $29,833,260 $662,786 $740,369 $11,852, $14,643,930 $14,354,650 $22,431,810 $17,731,641 $14,388,307 $25,862,109 $38,204,027 $71,080,091 $97,363,822 (3) $3,261,065 $643,222 $268,064 $236,478 $48,672,586 $101,123,809 $66,731,383 $30,716,575 $208,331,395 (3) $13,093,742 $50,362,608 $68,816,827 $46,356,770 $48,689,952 $31,651,043 $34,670,787 $27,358, and greater $49,994,162 $55,951,807 $77,711,276 $40,650,810 $20,022,223 $17,812,441 $25,914,701 $9,865,731 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 Stated Remaining Term in Months (1): % 0.12% 0.09% 0.00% 0.00% 0.00% 0.03% 0.02% 0.04% 0.03% % 0.36% 0.34% 0.21% 0.08% 0.01% 0.21% 0.16% 0.18% 0.14% % 0.64% 1.14% 0.97% 0.25% 0.02% 1.52% 0.23% 0.40% 0.27% % 0.51% 1.26% 1.37% 0.23% 0.04% 0.48% 0.40% 0.46% 0.35% % 9.46% 7.75% 5.65% 12.40% 1.78% 2.03% 2.24% 3.42% 2.82% % 33.29% 26.01% 36.47% 53.57% 12.24% 11.44% 13.55% 11.02% 14.59% % 0.82% 1.29% 0.47% 0.52% 0.19% 0.68% 0.73% 5.29% 3.80% % 3.32% 2.52% 2.85% 1.01% 38.95% 44.13% 43.04% 25.97% 17.19% % 0.52% 0.17% 0.03% 0.43% 1.05% 2.07% 3.78% 3.14% % 3.03% 4.26% 4.91% 1.33% 1.54% 1.70% 2.23% 8.73% 7.52% % 3.07% 1.06% 0.47% 15.53% 11.50% 5.39% 16.53% % 0.75% 0.07% 0.09% 5.40% 0.09% 0.13% 1.90% % 5.22% 7.17% 7.86% 2.61% 3.68% 6.88% 11.39% 30.57% (3) % 0.23% 0.09% 0.10% 8.82% 14.41% 12.02% 4.92% 50.14% (3) % 18.31% 21.98% 20.55% 8.82% 4.51% 6.24% 4.39% 360 and greater 21.04% 20.34% 24.82% 18.02% 3.63% 2.54% 4.67% 1.58% Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% (1) Determined from the statistical cutoff date to the stated maturity date of the applicable initial student loan, assuming repayment commences promptly upon expiration of the typical grace period following the expected graduation date and without giving effect to any deferral or forbearance periods that may be granted in the future. See The Student Loan Financing Business in the applicable prospectus. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 with respect to and $27,344,650 with respect to I in KSLT 2005-A; $3,510,034 with respect to and $31,228,140 with respect to I in KSLT 2004-A; $2,599,216 with respect to and $24,794,515 with respect to I in KSLT 2003-A; $6,285,557 with respect to and $37,521,858 with respect to I in KSLT 2002-A; and $12,866,822 with respect to and $29,023,076 with respect to I in KSLT 2001-A as of the statistical cutoff date. (3) KSLT 2001-A figures represent all loans with a stated remaining terms of 240 months and greater. KSLT 2006-A Page 9

10 Distribution by Borrower Payment Status I Payment Status (1): In School 1,271 4,481 2, ,909 13,323 3,737 4,540 2,172 Grace 10,621 10,746 8,936 6,291 11,056 38,703 33,307 27,944 22,728 22,908 Deferral 3,509 2,552 4, , ,660 8,256 9, Forbearance 1,646 1,594 2, , ,316 2,683 Repayment First Year in Repayment 15,505 9,611 12,254 5,302 7,577 15,374 10,635 13,375 12,504 8,913 Repayment Second Year in Repayment 864 1,094 1, ,477 1,487 Repayment More Than 2 Years in Repayment 77 1, , ,625 7,408 Total 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 Aggregate Outstanding Principal (2) Payment Status (1): In School $4,203,753 $31,438,469 $10,962,344 $4,146,935 $3,180,872 $36,221,563 $149,125,382 $47,917,799 $46,869,799 $17,007,421 Grace $48,863,221 $44,634,943 $44,299,583 $73,600,337 $125,989,138 $354,547,103 $310,639,384 $259,626,274 $211,390,550 $203,222,604 Deferral $18,432,495 $24,033,514 $31,577,061 $6,883,176 $21,790,237 $828,957 $84,818,128 $81,051,490 $120,577,412 $11,159,789 Forbearance $8,373,970 $20,683,478 $25,076,935 $13,416,847 $33,604,936 $7,854,050 $1,389,858 $2,198,499 $21,478,061 $26,902,140 Repayment First Year in Repayment $139,351,529 $133,302,978 $186,571,977 $125,927,565 $120,270,670 $138,164,786 $137,195,010 $146,081,938 $112,824,318 $75,886,560 Repayment Second Year in Repayment $17,591,780 $5,760,000 $12,711,150 $754,684 $11,674,395 $13,937,173 $5,140,968 $10,887,266 $31,429,509 $16,207,563 Repayment More Than 2 Years in Repayment $791,430 $15,206,145 $1,864,466 $882,521 $1,980,253 $586,644 $13,601,317 $7,624,289 $79,265,564 $65,095,624 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 Payment Status (1): In School 1.77% 11.43% 3.50% 1.84% 1.00% 6.56% 21.25% 8.63% 7.51% 4.09% Grace 20.56% 16.23% 14.15% 32.62% 39.56% 64.21% 44.26% 46.75% 33.89% 48.91% Deferral 7.76% 8.74% 10.09% 3.05% 6.84% 0.15% 12.08% 14.59% 19.33% 2.69% Forbearance 3.52% 7.52% 8.01% 5.95% 10.55% 1.42% 0.20% 0.40% 3.44% 6.47% Repayment First Year in Repayment 58.65% 48.46% 59.60% 55.82% 37.76% 25.02% 19.55% 26.30% 18.09% 18.26% Repayment Second Year in Repayment 7.40% 2.09% 4.06% 0.33% 3.67% 2.52% 0.73% 1.96% 5.04% 3.90% Repayment More Than 2 Years in Repayment 0.33% 5.53% 0.60% 0.39% 0.62% 0.11% 1.94% 1.37% 12.71% 15.67% Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% (1) Refers to the status of the borrower of each initial student loan to be added, as of the statistical cutoff date: such borrower may still be attending school ( In School ), may be in a grace period prior to repayment commencing ( Grace ), may be repaying such loan ( Repayment ) or may have temporarily ceased repaying such loan through a deferral ( Deferral ) or a forbearance ( Forbearance ) period. See The Student Loan Financing Business in the applicable prospectus. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 with respect to and $27,344,650 with respect to I in KSLT 2005-A; $3,510,034 with respect to and $31,228,140 with respect to I in KSLT 2004-A; $2,599,216 with respect to and $24,794,515 with respect to I in KSLT 2003-A; $6,285,557 with respect to and $37,521,858 with respect to I in KSLT 2002-A; and $12,866,822 with respect to and $29,023,076 with respect to I in KSLT 2001-A as of the statistical cutoff date. KSLT 2006-A Page 10

11 Scheduled Weighted Average Months Remaining (1) I Payment Status: In School In School Grace Deferral Forbearance In Repay In Grace In School Grace Deferral Forbearance In Repay Deferment In School Grace Deferral Forbearance In Repay Forbearance In School Grace Deferral Forbearance In Repay In Repay In School Grace Deferral Forbearance In Repay (1) Determined without giving effect to any deferral periods or forbearance periods that may be granted in the future. KSLT 2006-A Page 11

12 Geographic Distribution by State (1) I New York 1,714 1,925 2,101 1,957 4,387 8,218 9,573 8,635 9,779 7,320 Ohio 15,571 16,027 15, ,842 9,057 7,948 6,290 5,161 3,655 Pennsylvania ,389 6,507 5,894 4,706 4,514 3,250 California 1,272 1,454 1,745 1,785 3,040 4,010 5,610 4,349 6,087 4,845 Florida ,074 2,675 4,102 3,510 3,505 2,363 Michigan 3,062 2,870 3, ,492 3,489 1,943 1,841 1,569 New Jersey ,414 1,825 2,243 1,595 1,941 1,413 Massachusetts ,237 1,923 2,331 2,064 4,869 2,882 Illinois ,082 1,217 1,822 2,380 1,937 2,213 1,816 Texas ,575 2,549 1,885 2,155 1,312 Washington ,512 1,778 1,298 1,544 1,147 Maryland ,072 1,102 1,065 1, Virginia ,405 1,151 1,252 1,137 Indiana 1,555 1, ,249 1,608 1,155 1, Connecticut , Colorado , Wisconsin 1, ,130 1, Georgia ,214 1,031 1, Maine District of Columbia Tennessee Missouri Oregon Arizona Alabama Louisiana Minnesota 821 North Carolina Other(3) 2,899 2,030 2,393 1,608 2,523 9,357 8,919 9,337 10,478 6,042 Total 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 Aggregate Outstanding Principal Balance (2) New York $21,193,636 $32,410,169 $38,424,163 $36,532,359 $59,298,172 $72,547,610 $88,038,929 $79,408,807 $86,110,611 $61,091,442 Ohio $71,529,686 $66,097,526 $60,081,310 $10,413,921 $19,121,564 $66,848,013 $59,050,986 $45,259,180 $35,964,285 $24,155,676 Pennsylvania $7,875,889 $9,054,223 $12,970,634 $13,064,984 $17,591,227 $55,264,696 $50,261,536 $39,333,303 $36,942,985 $25,215,031 California $18,707,312 $29,925,192 $39,573,898 $35,429,282 $43,089,193 $48,238,936 $68,941,365 $54,989,692 $69,551,012 $48,554,502 Florida $4,592,875 $9,622,983 $11,379,868 $11,174,476 $14,044,144 $30,343,261 $53,818,946 $43,331,991 $44,709,899 $25,192,669 Michigan $13,537,569 $12,189,826 $13,532,474 $6,333,176 $7,113,958 $24,841,376 $25,879,180 $15,113,131 $15,332,724 $11,312,839 New Jersey $4,841,522 $8,133,201 $10,155,733 $8,591,580 $18,930,054 $22,099,755 $25,508,597 $18,681,607 $19,985,604 $14,390,282 Massachusetts $2,823,258 $7,843,427 $10,917,332 $9,724,718 $14,652,603 $20,709,979 $25,316,851 $22,879,113 $49,405,612 $27,656,259 Illinois $8,981,295 $15,678,768 $11,631,023 $16,764,334 $15,291,111 $18,824,662 $27,808,777 $21,543,006 $24,061,718 $18,240,737 Texas $5,796,014 $8,644,501 $12,001,420 $7,311,275 $11,783,701 $16,124,371 $25,798,251 $20,667,275 $20,494,834 $11,596,080 Washington $3,831,598 $3,674,356 $3,680,184 $2,259,736 $3,249,342 $13,786,222 $17,139,995 $12,666,312 $14,181,689 $10,783,312 Maryland $4,611,361 $6,119,732 $9,261,651 $5,280,598 $9,871,053 $11,422,478 $12,643,863 $12,719,255 $11,964,590 $8,301,222 Virginia $4,857,016 $6,840,542 $10,882,271 $7,823,338 $12,781,783 $10,555,616 $15,604,181 $12,111,194 $12,916,838 $10,365,786 Indiana $6,529,393 $5,259,603 $4,515,914 $10,366,672 $14,535,637 $9,574,591 $10,130,183 $4,957,969 Connecticut $2,527,958 $5,066,163 $6,173,254 $5,253,790 $8,367,872 $9,680,621 $10,696,409 $10,766,814 $12,838,529 $7,918,100 Colorado $4,380,120 $2,881,322 $8,428,537 $11,708,315 $9,102,185 $10,675,949 Wisconsin $16,386,360 $4,298,678 $8,362,842 $11,488,651 $9,667,799 $6,871,203 Georgia $3,290,134 $5,131,701 $4,746,487 $5,522,525 $7,842,804 $16,581,911 $11,666,704 $12,087,282 $7,691,375 Maine - $7,609,634 $7,209,406 $4,148,693 District of Columbia $3,304,461 $5,487,625 $4,031,867 $6,507,933 Tennessee $3,000,691 $3,818,944 $4,568,624 $4,272,361 $4,307,731 Missouri $7,881,853 $7,061,818 $4,398,752 Oregon $7,951,098 $8,023,276 Arizona $3,249,329 $15,751,232 $9,194,356 $9,148,467 $4,268,145 Alabama $2,404,141 $4,698,676 Louisiana $2,302,699 $4,226,565 Minnesota $6,450,632 North Carolina $3,016,420 $3,318,082 $5,711,008 $4,068,436 $5,216,520 $10,277,318 $9,646,436 $10,009,009 $5,253,530 Other(3) $25,138,264 $28,405,945 $37,733,109 $27,532,243 $33,837,381 $88,242,190 $92,016,760 $96,166,991 $104,964,139 $52,755,779 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 KSLT 2006-A Page 12

13 Geographic Distribution by State (cont.) I New York 8.92% 11.78% 12.27% 16.19% 18.62% 13.14% 12.54% 14.30% 13.80% 14.70% Ohio 30.10% 24.03% 19.19% 4.62% 6.00% 12.11% 8.41% 8.15% 5.77% 5.81% Pennsylvania 3.31% 3.29% 4.14% 5.79% 5.52% 10.01% 7.16% 7.08% 5.92% 6.07% California 7.87% 10.88% 12.64% 15.70% 13.53% 8.74% 9.82% 9.90% 11.15% 11.69% Florida 1.93% 3.50% 3.64% 4.95% 4.41% 5.50% 7.67% 7.80% 7.17% 6.06% Michigan 5.70% 4.43% 4.32% 2.81% 2.23% 4.50% 3.69% 2.72% 2.46% 2.72% New Jersey 2.04% 2.96% 3.24% 3.81% 5.94% 4.00% 3.63% 3.36% 3.20% 3.46% Massachusetts 1.19% 2.85% 3.49% 4.31% 4.60% 3.75% 3.61% 4.12% 7.92% 6.66% Illinois 3.78% 5.70% 3.72% 7.43% 4.80% 3.41% 3.96% 3.88% 3.86% 4.39% Texas 2.44% 3.14% 3.83% 3.24% 3.70% 2.92% 3.68% 3.72% 3.29% 2.79% Washington 1.61% 1.34% 1.18% 1.00% 1.02% 2.50% 2.44% 2.28% 2.27% 2.60% Maryland 1.94% 2.22% 2.96% 2.34% 3.10% 2.07% 1.80% 2.29% 1.92% 2.00% Virginia 2.04% 2.49% 3.48% 3.47% 4.01% 1.91% 2.22% 2.18% 2.07% 2.49% Indiana 2.75% 1.91% 1.44% 1.88% 2.07% 1.72% 1.62% 1.19% Connecticut 1.06% 1.84% 1.97% 2.33% 2.63% 1.75% 1.52% 1.94% 2.06% 1.91% Colorado 1.84% 1.05% 1.53% 1.67% 1.46% 2.57% Wisconsin 6.90% 1.56% 1.51% 1.64% 1.74% 1.10% Georgia 1.20% 1.64% 2.10% 1.73% 1.42% 2.36% 2.10% 1.94% 1.85% Maine 1.38% 1.03% 1.00% District of Columbia 1.20% 1.75% 1.79% 2.04% Tennessee 1.09% 1.22% 2.02% 1.34% 1.04% Missouri 1.12% 1.13% 1.06% Oregon 1.13% 1.93% Arizona 1.02% 2.24% 1.66% 1.47% 1.03% Alabama 1.07% 1.48% Louisiana 1.02% 1.02% Minnesota 2.71% North Carolina 1.27% 1.21% 1.82% 1.80% 1.64% 1.46% 1.74% 1.60% 1.26% Other(3) 10.58% 10.33% 12.05% 12.20% 10.62% 15.98% 13.11% 17.32% 16.83% 12.70% Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% (1) Based on the permanent billing addresses of the borrowers of the initial student loans shown on the master servicer s or a sub-servicer s records as of the statistical cutoff date. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 with respect to and $27,344,650 with respect to I in KSLT 2005-A; $3,510,034 with respect to and $31,228,140 with respect to I in KSLT 2004-A; $2,599,216 with respect to and $24,794,515 with respect to I in KSLT 2003-A; $6,285,557 with respect to and $37,521,858 with respect to I in KSLT 2002-A; and $12,866,822 with respect to and $29,023,076 with respect to I in KSLT 2001-A as of the statistical cutoff date. (3) Includes all other states, none of which exceeds 1.0% of the related Pool Balance for trusts KSLT 2001-A through KSLT 2004-A. In KSLT 2005-A, it includes all other states, none of which exceeds 1.04% of the related Pool Balance. KSLT 2006-A Page 13

14 Distribution of Federal Loans by Disbursement Date ( only) I Date of Disbursement (1): Prior to October 1, October 1, 1993 to September 30, ,244 1,163 1,678 10,522 October 1, 1998 to Present 33,381 29,249 30,303 11,399 13,833 Total 33,493 31,253 31,510 13,106 24,404 Aggregate Outstanding Principal Balance (2) Date of Disbursement (1): Prior to October 1, 1993 $52,867 $1,439,407 $208,914 $270,560 $384,827 October 1, 1993 to September 30, 1998 $786,606 $17,866,729 $4,858,559 $20,449,981 $111,911,837 October 1, 1998 to Present $236,768,705 $255,753,390 $307,996,044 $204,891,524 $206,193,837 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 Date of Disbursement (1): Prior to October 1, % 0.52% 0.07% 0.12% 0.12% October 1, 1993 to September 30, % 6.50% 1.55% 9.06% 35.14% October 1, 1998 to Present 99.65% 92.98% 98.38% 90.82% 64.74% Total 100% 100% 100% 100% 100% (1) Federal loans disbursed prior to October 1, 1993 are 100% guaranteed by the applicable federal guarantor, and reinsured against default by the Department of Education up to 100% of the applicable guarantee payments. Federal loans disbursed on or after October 1, 1993 (but before October 1, 1998) are 98% guaranteed by the applicable federal guarantor, and reinsured against default by the Department of Education up to a maximum of 98% of the guarantee payments. Federal loans first disbursed on or after October 1, 1998 are 98% guaranteed by the applicable federal guarantor, and reinsured against default by the Department of Education up to 95% of the guarantee payments. See The Student Loan Financing Business Description of Federal Loans Under the Programs and Insurance of Student Loans; Guarantors of Student Loans in the applicable prospectus. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 in KSLT 2005-A; $3,510,034 in KSLT 2004-A; $2,599,216 in KSLT 2003-A; $6,285,557 in KSLT 2002-A; and $12,866,822 in KSLT 2001-A as of the statistical cutoff date. KSLT 2006-A Page 14

15 Distribution by Number of Days of Delinquency I Days delinquent: Current 32,273 30,306 30,788 12,844 24,058 59,541 68,858 54,723 63,035 45, and above 9 (1) (1) Total 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 Aggregate Outstanding Principal Balance (2) Days delinquent: Current $231,635,212 $268,257,525 $307,245,160 $220,272,418 $313,476,044 $548,743,756 $693,372,191 $548,911,575 $613,745,122 $408,630, $4,116,706 $5,005,773 $4,229,290 $3,244,159 $3,350,630 $2,728,464 $4,889,903 $5,121,031 $6,194,227 $4,512, $1,843,349 $1,796,228 $1,528,165 $1,126,806 $1,611,070 $589,103 $3,647,954 $1,296,630 $2,104,115 $2,102, and above $12,911 (1) $60,901 $968,681 $52,757 $78,952 (1) $58,319 $1,791,750 $235,827 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 Days delinquent: Current 97.49% 97.53% 98.14% 97.63% 98.43% 99.38% 98.78% 98.83% 98.38% 98.35% % 1.82% 1.35% 1.44% 1.05% 0.49% 0.70% 0.92% 0.99% 1.09% % 0.65% 0.49% 0.50% 0.51% 0.11% 0.52% 0.23% 0.34% 0.51% 91 and above 0.01% (1) 0.02% 0.43% 0.02% 0.01% (1) 0.01% 0.29% 0.06% Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% (1) These loans have been removed from the pool to ensure compliance with eligibility requirements regarding delinquency at the cutoff date. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 with respect to and $27,344,650 with respect to I in KSLT 2005-A; $3,510,034 with respect to and $31,228,140 with respect to I in KSLT 2004-A; $2,599,216 with respect to and $24,794,515 with respect to I in KSLT 2003-A; $6,285,557 with respect to and $37,521,858 with respect to I in KSLT 2002-A; and $12,866,822 with respect to and $29,023,076 with respect to I in KSLT 2001-A as of the statistical cutoff date. KSLT 2006-A Page 15

16 Distribution by Loan Repayment Term I Loan Repayment Terms: Level Payment 32,810 29,477 29,310 11,323 19,606 59,392 68,662 54,505 63,451 11,682 Graduated Payment 683 (3) 1,776 (4) 2,200 (4) 1,783 (4) 14 (4) 490 (3) 1,039 (4) 777 (4) 690 (4) 392 (4) Other (1) 4,784 34,294 Total 33,493 31,253 31,510 13,106 24,404 59,882 69,701 55,282 64,141 46,368 Aggregate Outstanding Principal Balance (2) Loan Repayment Terms: Level Payment $212,024,419 $213,454,275 $238,340,094 $172,378,135 $235,700,318 $532,140,171 $673,098,832 $522,466,972 $602,205,194 $113,153,826 Graduated Payment $25,583,759 (3) $61,605,251 (4) $74,723,423 (4) $53,233,930 (4) $118,398 (4) $20,000,104 (3) $28,811,215 (4) $32,920,584 (4) $21,630,021 (4) $6,770,677 (4) Other (1) $82,671,784 $295,557,199 Total $237,608,178 $275,059,526 $313,063,517 $225,612,065 $318,490,501 $552,140,275 $701,910,047 $555,387,556 $623,835,214 $415,481,701 Loan Repayment Terms: Level Payment 89.23% 77.60% 76.13% 76.40% 74.01% 96.38% 95.90% 94.07% 96.53% 27.23% Graduated Payment 10.77% (3) 22.40% (4) 23.87% (4) 23.60% (4) 0.04% (4) 3.62% (3) 4.10% (4) 5.93% (4) 3.47% (4) 1.63% (4) Other (1) 25.96% 71.14% Total 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% (1) Loan not yet in repayment status, but to enter repayment status upon receipt of a repayment schedule. (2) Includes net principal balance due from borrowers, plus accrued interest thereon to be capitalized upon commencement of repayment, estimated to be $2,311,924 with respect to and $27,344,650 with respect to I in KSLT 2005-A; $3,510,034 with respect to and $31,228,140 with respect to I in KSLT 2004-A; $2,599,216 with respect to and $24,794,515 with respect to I in KSLT 2003-A; $6,285,557 with respect to and $37,521,858 with respect to I in KSLT 2002-A; and $12,866,822 with respect to and $29,023,076 with respect to I in KSLT 2001-A as of the statistical cutoff date. (3) Several Graduated Payment plans are available to borrowers as authorized by the Higher Education Act. In addition, the Seller offers Graduated Payment plans for its private loan programs such as Keys2Repay. See The Student Loan Financing Business Description of Federal Loans Under the Programs in the prospectus and The Student Loan Financing Business Description of Private Loans Under the Programs in the applicable prospectus. (4) Student Loans with graduated repayment terms require borrowers to make payments of interest only for the first two years after entering repayment which increase over the next three years to a level payment amount which will amortize the then outstanding principal balance of the loan over the then remaining term. KSLT 2006-A Page 16