STUDENT LOAN STATEMENT

STUDENT LOAN STATEMENT 100 Global Drive Suite 800 Warrendale PA 15086 1 Go paperless! Sign up for E-bill or Automated Payments at heartlandecsinet STATEMENT ENCLOSED 107001234561234567891234578901 John Doe 123 Main Street Anytown US 12345-6789 Account Number: ABC01-12345678912 THIS STATEMENT WAS GENERATED ON 3/10/2018 2 Easy Payment Options Mail a check or money order Make a payment online at heartlandecsinet Download our mobile app for ios or Android Pay by phone at 18885493274 Need Help? Contact Us Call us at 18885493274 Mon - Fri 7:30 am to 9:00 pm ET Live Chat at heartlandecsinet Mon - Fri 7:30 am to 8:00 pm ET Sat 8:30 am to 5:00 pm ET Current amount due: Past due amount: Fees due: Total Amount Due: Due By: 9000 4000 600 13600 This statement includes 2 loan accounts with TEST UNIVERSITY Please see the s on this Statement section for individual loan details When you provide a check as payment you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction For inquiries please contact us using the contact information located on the top right of this page Pay online or detach this coupon and return with your payment 3 Account Number: ABC01-12345678912 Joseph Michael Lange 123 Main Street Apt 2D Carnegie PA 15106 Total Amount Due: Due By: 13600 4/01/2018 Check here for change of mailing address phone number or email address Enter all changes on the back of this coupon Mail to: Amount Enclosed: Test University c/o ECSI PO Box 718 Wexford PA 15090 Make check payable to: TEST UNIVERSITY Check here if you have provided additional instructions on how your payment should be allocated Enter all allocations on the back of this coupon

Page 2 of 5 STUDENT LOAN STATEMENT IMPORTANT INFORMATION ABOUT YOUR STUDENT LOAN(S) The information in this section may or may not apply to all of your student loans(s) Please see the s on this Statement to view which notes apply to each loan(s) None 4 APPLICATION OF YOUR PAYMENT Your payment will be applied according to Federal regulations and for institutional loans as modified by your promissory note If you have multiple loans any underpayment or overpayment will be prorated across the remaining balances of your outstanding loans If you would like to allocate your payment differently please provide instructions on the back of the payment coupon when submitting your payment To ensure proper processing please do not write instructions on your check or payment instrument For all loans you may prepay all or any part of your unpaid loan balance plus any accrued interest and fees at any time without penalty Generally your prepayment will be applied to principal unless you provide instructions that the excess be applied to your next installment ACCEPTANCE OF PAYMENT Heartland ECSI's acceptance or application of a payment in an amount that is less than all amounts due shall not constitute a waiver of the unpaid amounts or an accord and satisfaction PAYING YOUR LOAN ACCOUNT IN FULL To pay your loan account in full we must receive the Payoff Amount by the date listed next to the Payment Amount in the loan detail section After this date please contact a Heartland ECSI customer advocate to confirm your exact Payoff Amount before sending your payment 5 My phone new phone number is: Home Mobile Work Other My new address number is: Street Address 6 I want to change the allocation of my payment as provided below Apply additional to principal balance Apply additional to future payment 7 Apartment/Unit/Suite City State Zip/Postal Code Apply additional to principal balance Apply additional to future payment Country My new email address is: Apply additional to principal balance Apply additional to future payment If you have instructions for more than 3 loans please attach additional instructions and mail with this coupon

Page 3 of 5 LOANS ON THIS STATEMENT LOAN: PER24A Type: Interest Rate: Payment Frequency: Original Amount: Current Balance: Payoff Amount thru 12/9/2017: Total Principal Paid/Canc to Date: Total Interest Paid/Canc to Date: Total Fees Paid /Canc to Date: 8 9 PERKINS 50% Monthly 300000 150727 156607 249274 87932 2700 Current Monthly Installment: Current Principal Due: Current Interest Due: Past Due Installment(s): Past Principal Due: Past Interest Due: Fees Due: Total Payment Due: Payment Due Date: 3800 200 3800 200 600 8600 Notes applicable to this loan: NOTE 1: Your account is 30 days past due 10 LOAN: INST1A Type: Interest Rate: Payment Frequency: INSTITUTIONAL 45% Monthly Current Monthly Installment: Current Principal Due: Current Interest Due: 4775 225 Notes applicable to this loan: NONE Original Amount: Current Balance: Payoff Amount thru 12/9/2017: 100000 50727 51607 Past Due Installment(s): Past Principal Due: Past Interest Due: Fees Due: Total Principal Paid/Canc to Date: Total Interest Paid/Canc to Date: Total Fees Paid/Canc to Date: 49274 27932 Total Payment Due: Payment Due Date: 5000 -- This section is intentionally left blank --

Page 4 of 5 What Are My Payment Options? You may make payments to Heartland ECSI by mail online through our website using our EasyPath mobile app (for ios and Android) over the phone with a Heartland ECSI customer advocate and through bill pay services Please note that service fees apply to some but not all payment methods For more information see What Fees Apply to My Payments Heartland ECSI does not charge for payments received by mail or recurring ACH payments Any service fee will be disclosed to you before you authorize your payment By Mail: Heartland ECSI accepts checks and money orders Please include your Account Key or last four of you Payment Reference Number in the memo field on your check or money order Make your check payable to your school and mail to: [Your School Name] c/o Heartland ECSI PO Box 718 Wexford PA 15090 Online: Heartland ECSI accepts one-time and recurring online payments via ACH and debit/credit card Heartland ECSI accepts MasterCard and Discover cards We also accept Visa debit cards but not Visa credit cards We do not accept American Express Mobile App: Heartland ECSI accepts payments via our EasyPath mobile app Our mobile app is available for Apple or Android phones The Apple mobile app can be downloaded at The App Store (itunes) The Android app can be downloaded at the Google Play store We accept the same payments on our mobile app as accepted online By Phone: Heartland ECSI also accepts one-time and recurring ACH and debit/credit card payments over the phone Please call us toll free at 888-549-3274 Monday to Friday 7:30 AM to 9:00 PM ET to make a payment Bill Pay: Heartland ECSI accepts payments through your bank or other third party bill pay service 11 What Fees Apply To My Payment? SERVICE FEES Heartland ECSI charges fees for some but not all payment methods offered The chart below summarizes the fees we charge for each payment method Method of Payment Recurring direct debit (checking or savings account) payments (ACH) Authorized online by phone or by mobile app 12 Heartland ECSI Fees None One-time direct debit (checking or savings account) payments (ACH) Authorized online or by mobile app One-time direct debit (checking or savings account) payments (ACH) Authorized by phone One-time credit or debit card payment Authorized online or by mobile app One-time credit or debit card payment Authorized by phone Mailing a paper check or money order 195 for each one-time payment you authorize 1000 for each one-time payment you authorize 395% of the payment amount plus 100 for each one-time payment you authorize 395% of the payment amount plus 1000 for each one-time payment you authorize None Bill pay service offered by your bank or another third party Payments in other than US dollars (international payments) 13 No Heartland ECSI Fee Other bill payment service fees may apply No Heartland ECSI Fee Currency conversion or processing fees may vary LATE FEES Your school may assess fees for any part of an installment payment not made by the due date Fees vary by school To avoid late fees please ensure Heartland ECSI receives your payment on or before your due date If you have any questions about late fees or payment posting please contact our customer advocates REJECTED PAYMENT/NON-SUFFICIENT FUNDS (NSF) FEES Your school may assess a fee if your ACH (Direct Debit from your savings or checking account) transaction is unsuccessful To avoid fees please confirm that your checking or savings account has sufficient funds and that your bank account information is correct before submitting your payment Please note that failure to submit payment for the full amount due by your payment due date will result in a late fee as described above If you have any questions about your school s fees please contact a Heartland ECSI customer advocate

Page 5 of 5 14 Benefits and Repayment Options Under certain circumstances you may be eligible to receive a deferment or forbearance that allows you to temporarily postpone or reduce your federal and/or institutional student loan payments Postponing or reducing your payments may help you avoid default Deferment A deferment is a period when your student loan payments are postponed Generally for Perkins loans interest does not accrue during the deferment period However for institutional loans interest may or may not accrue during the deferment period Your school may require that you submit supporting documentation to prove your eligibility for a deferment For Perkins loans you may generally qualify for deferment: During a period of at least half-time enrollment in college or career school; During a period of study in an approved graduate fellowship program in an approved rehabilitation training program for the disabled or a period of service qualifying for Perkins discharge/cancellation; During a period of unemployment or inability to find full-time employment; During a period of economic hardship (includes Peace Corps service); During a period of active duty military service during a war military operation or national emergency; During the 13 months following the conclusion of qualifying active duty military service or until you return to enrollment on at least a half-time basis whichever is earlier if - you are a member of the National Guard or other reserve component of the US armed forces and - you were called or ordered to active duty while enrolled at least half-time at an eligible school or within six months of having been enrolled at least half-time Forbearance If you can t make your scheduled loan payments but don t qualify for a deferment you may be eligible for a forbearance With forbearance you may be able to stop making payments or reduce your monthly payment for up to 12 months Generally interest will continue to accrue on your student loans during the forbearance period Forgiveness Forgiveness Cancellation Cancellation and Discharge Discharge Forgiveness cancellation and discharge of your loan means that you are no longer expected to repay your loan Certain circumstances might lead to your loans being forgiven canceled or discharged such as total and permanent disability teacher loan forgiveness public service loan forgiveness etc Rehabilitation If you default on your federal Perkins and your loan has not been reduced to a judgment in litigation you may rehabilitate the defaulted loan by requesting rehabilitation and by making voluntary on-time monthly payments as determined by your school each month for nine consecutive months If you successfully rehabilitate your loan you will again be subject to the benefits included in your promissory note However you may only rehabilitate a defaulted federal Perkins once Want To Learn More About Your Options? Our customer advocates would be happy to discuss your available options You can also find helpful information posted by the US Department of Education Federal Student Aid at http://studentaidgov/sa/repay-loans or the National Consumer Law Center at wwwstudentloanborrowerassistanceorg