MICHIGAN GUARANTY AGENCY Participating Lender List

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1 MICHIGAN GUARANTY AGENCY Participating Lender List Lenders Participating in Referral Loan Programs Some lenders are referring ALL student loans to another lender by participating in a loan referral program. Those lenders referring loans to a particular lender (sponsor) are listed in all sections of the lender list under their own institution name. It is important to note that loans will guarantee under the sponsor's name and lender code, rather than the participating lender's name. Listed below are seven such referral programs and their participating lenders. SPONSOR - Comerica Bank Alpena County Medical Credit Union# Besser Credit Union# Calcite Credit Union# Central State Bank# Charlevoix State Bank# Chemical Bank & Trust Company# Chemical Bank Shoreline# Chemical Bank West# Chief Pontiac Federal Credit Union# Credit Union One# CSB Bank# E & A Credit Union# Eagle Country Federal Credit Union# Educational Community Credit Union# First National Bank of St. Ignace# First Savings Bank# Flagship Federal Credit Union# Graco Federal Credit Union# Grand Rapids Federal Employees Credit Union# Greenville Community Bank# H.P.C. Credit Union# Hastings City Bank# Kalamazoo Postal Federal Credit Union# Keystone Community Bank# Lake Huron Credit Union# Lake Michigan Credit Union# MetroBank# Midland Area Credit Union# Old Mission Bank# Omni Family Credit Union# Paramount Bank# Port Austin State Bank# Rockford Community Fedl Credit Union# Saginaw County Employees Credit Union# SOC Credit Union# Stampers Federal Credit Union# Thumb National Bank & Trust# Tri-Cities Credit Union# United Bank of Michigan# Warren Bank# SPONSOR - Fifth Third Bank Algonac Savings Bank# Bank of Lenawee# SPONSOR - FNB Taylorsville/IBB Bank of Ann Arbor# Community Central Bank# Educators and Employees Credit Union# Lakeside Community Bank# Onaway Community Federal Credit Union# SPONSOR - LaSalle Bank Midwest, N.A Allied Employers Credit Union# Assoc Builders & Contractors Credit Union# ATL Credit Union# Auto-Owners Associates Credit Union# baybank# Brighton Commerce Bank# Central Savings Bank# Chelsea State Bank# Citizens State Bank of Ontonagon# Citizens State Bank# Clawson Community Credit Union# Clinton County Federal Credit Union# Communications Family Credit Union# Community First Federal Credit Union# COPOCO Credit Union# Craftsman Credit Union# Dart Bank# Delta County Credit Union# Farmers State Bank# First Area Credit Union# First Bank of Upper Michigan, N.A.# First Federal of Northern Michigan# First Independence National Bank First National Bank of Crystal Falls# First National Bank of Gaylord# First National Bank of Howell# First National Bank of Iron Mt First National Bank of Norway# First National Bank of Three Rivers# Firstbank - Alma# FM Financial Credit Union# Page 1 of 3

2 (Continued from the previous page.) Good Shepherd Credit Union# Grand Rapids Building Trades Credit Union# Gratiot Community Credit Union# Great Lakes First Federal Credit Union# Homestead Savings Bank, FSB# Hometown Community Credit Union# Howmet Credit Union# Huron Community Bank# Huron National Bank# Independent Bank# Independent Bank-East Michigan# Independent Bank-South Michigan# Independent Bank-West Michigan# Ionia County National Bank# Iosco Community Credit Union# Iron Mt.-Kingsford Community Fed Credit Union# Isabella Community Credit Union# Keebler Credit Union# Kemba Credit Union# Kenowa Municipal Federal Credit Union# Lake Osceola State Bank# Lakes Community Credit Union# Macatawa Bank# Manistique Federal Credit Union# Mason State Bank# Mercantile Bank of West Michigan# Midwest United Federal Credit Union# Miners State Bank# Monroe Bank and Trust# Morton Manistee Federal Credit Union# Motown First Federal Credit Union# Municipal & Health Services Credit Union# North Country Bank & Trust# North Country Bank# Northern Michigan Bank# Northwestern Area Credit Union# Oak Industrial Park Credit Union# Owosso Columbus Credit Union# Pennwalt Employees Credit Union# Peoples State Bank# Portland Federal Credit Union# Public Service Employees Federal Credit Union# Saginaw Automotive Employees FCU# Settlers' Co-Operative Credit Union# Southeast MI State Empl FCU# Spartan Stores Credit Union# SSBBank# State Bank of Caledonia# Straits Area Federal Credit Union# T & C Federal Credit Union# The Private Bank# Thunder Bay Area Credit Union# U.P. Trans Comm Federal Credit Union# Ukrainian Future Credit Union# United Churches Credit Union# Valley Ridge Bank# West Shore Bank# Western Districts Members Credit Union# SPONSOR - Nelnet Academic Loan First State Bank of Decatur# SPONSOR - Sallie Mae Education Trust Advantage One Federal Credit Union# Bell Com Credit Union# Byron Center State Bank# Citizens Bank# Co-Op Services Credit Union# Farwell State Savings Bank# First National Bank of Wakefield# Frankenmuth Credit Union# Republic Bank# Republic Bank# Saginaw Eaton Credit Union# Signature Bank# State Employees Credit Union# Superior National Bank# TBA Education Credit Union# The State Bank# Union Bank# United Bank & Trust# SPONSOR - Zions Bank ELT for EMT Corp AAC Credit Union# Aeroquip Employees Credit Union# Automotive Federal Credit Union# Bay Port State Bank# Bay Winds Federal Credit Union# Berrien Teachers Credit Union# Best Source Credit Union# Birmingham/Bloomfield Credit Union# Blissfield State Bank# Bloomfield Hills Schools Credit Union# Brunswick Employees Federal Credit Union# Capital Area School Employees Credit Union# Catholic Community Credit Union# Central Macomb Community Credit Union# Central Michigan Community Federal CU# Century Bank & Trust# Chiropractic Federal Credit Union# ChoiceOne Bank# Christian Financial Credit Union# Citizens Bank Page 2 of 3

3 (Continued from the previous page.) Citizens Choice Federal Credit Union# Citizens Credit Union# Citizens National Bank of Cheboygan# Community Bank# Community Choice Credit Union# Community Choice Credit Union# Community Financial Credit Union# Community Schools Credit Union# Consumers Choice Credit Union# Consumers Credit Union# Credit Union Plus# Crestwood Community Federal Credit Union# Dearborn Federal Credit Union# Dowagiac Area FCU# Downriver Community Federal Credit Union# ELGA Credit Union# Empire National Bank# Family Financial Credit Union# Fidelity Bank# Fifth Third Bank# Filer Credit Union# Financial Health Credit Union# First Community Bank# First National Bank of America# First National Bank of Calumet-Lake Linden# First State Bank# Flagstar Bank, FSB# Flint Services Federal Credit Union# Franklin Bank, N.A.# G.W. Jones Exchange Bank# Gerber Employees Federal Credit Union# Governmental Employees Credit Union# Grayling State Bank# Greater Niles Community Federal Credit Union# Hillsdale County National Bank# Holland Machine Employees Credit Union# Honor State Bank# Huron River Area Credit Union# Isabella Bank & Trust# Kalamazoo County State Bank# Lapeer County Bank & Trust Co.# Lapeer County Community Credit Union# LaSalle Federal Savings Bank# Marshall Savings Bank# Mayville State Bank# Menominee County Federal Credit Union# Metro Credit Union# Michigan Coastal Credit Union# Michigan Educational Credit Union# Michigan Federal Credit Union# Motor City Co-op Credit Union# Multi-Products Credit Union# Muskegon County School Employees Credit Uni North Central Area Credit Union# Northeast Catholic Credit Union# Onsted State Bank# PAC Federal Credit Union# Parkside Credit Union# Preferred Federal Credit Union# Providence Hospital Credit Union# Public Service Credit Union# Research Federal Credit Union# Rivers Edge Community Credit Union# Royal Oakland Community Credit Union# Saginaw VA Hospital Federal Credit Union# Servitor Credit Union# Shoreline Federal Credit Union# SLC Credit Union# Soo Co-Operative Credit Union# South Central State Employees Credit Union# Southern Michigan Bank and Trust# State Bank of Coloma# State Bank of Ewen# Sturgis Bank & Trust# Sunrise Family Credit Union# Tandem Federal Credit Union# Telcom Credit Union# The State Savings Bank# Town and Country Family Credit Union# Traverse City State Bank# Tri-Pointe Community Credit Union# TRW Michigan Employees Credit Union# U.P. State Credit Union# United Bay City Credit Union# United Christian Community Credit Union# United Educational Credit Union# United Saginaw Credit Union# Unity Credit Union# VA & Military Employees Federal Credit Union# Valley State Employees Credit Union# VIP Credit Union# West Michigan Community Bank# West Michigan Savings Bank# West Michigan State Employees Credit Union# Wolverine Bank# Wyandotte Community Federal Credit Union# Ypsilanti Area Federal Credit Union# Page 3 of 3

4 MICHIGAN GUARANTY AGENCY CONSOLIDATION LENDERS If you are a student loan borrower with multiple lenders and/or loans, you may be able to reduce your monthly repayment amounts by consolidating your loans. Some lenders do not participate in the Consolidation Loan Program, so if you are considering the consolidation repayment option you should: Check to see if your lender(s) is listed below. (If you have loans from more than one lender on the list, you may choose the lender with whom you wish to consolidate.) If your lender is not listed below, you may choose any of the starred (* or **) lenders on the list. (These lenders have indicated their willingness to consolidate student loans with borrowers who do not currently have loans through their financial institution.) After selecting your most appropriate Consolidation loan lender, call and ask them to send you a Consolidation loan application and addendum. If you need help identifying your lender or have further questions regarding loan consolidation, please call the Michigan Guaranty Agency's Customer Services Section at MGA LOAN, extension Lender Code Institution Telephone Number * ASAP/Union Bank & Trust ** Bank One Education Finance Corp * Charter One Bank, N.A * Chela Funding I, LLC * Chela Funding I, LLC * Citibank, N.A * CollEDGE * Comerica Bank * Comerica Bank Detroit Edison Credit Union * Deutsche Bank ELT NextStudent Inc ** Dow Chemical Employees' Credit Union EdInvest Company * EFSI * Fifth Third Bank LaSalle Bank Midwest, N.A LaSalle Bank Midwest, N.A ** Metro North Federal Credit Union * Michigan Higher Education Student Loan Authority * Missouri Higher Education Loan Authority * Lenders who will consolidate student loans for anyone not currently in their system. ** Lenders who will consolidate student loans for anyone not currently in their system, if the borrower meets credit union membership eligibility requirments. Page 1 of 2

5 Lender Code Institution Telephone Number * Montana Higher Ed Student Assistance Corp * Montrose State Bank * National City Bank * National City Bank, Indiana National Education/IDAPP Nelnet Education Loan Funding, Inc * Pecos Student Fin. Corp/Trustee U.S. Bank ** Peninsula Federal Credit Union * PNC Bank * School Loans Corporation * Southwest Student Services Trust, WFB ELT * Southwest Student Services Trust, WFB ELT * Student Assistance Foundation , ext Student Loan Finance Corporation * SunTrust Bank * U.S. Bank, N.A. ATF Amerifund Education Corp * U.S. Bank, N.A. ATF Brazos Educational Assistance * Union Bank & Trust Company * USEFC/US Bank N.A. as Trustee * Wells Fargo Bank Texas NA/ATF Bosque HEA * Wells Fargo Education Financial Services * Lenders who will consolidate student loans for anyone not currently in their system. ** Lenders who will consolidate student loans for anyone not currently in their system, if the borrower meets credit union membership eligibility requirments. Page 2 of 2

6 MICHIGAN GUARANTY AGENCY Participating Lenders LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER AAC Credit Union# Advantage One Federal Credit Union# Aeroquip Employees Credit Union# Algonac Savings Bank# Allied Employers Credit Union# Alpena County Medical Credit Union# AMS Education Loan Trust c/o Sallie Mae-LFM, P.O. Box Panama City FL AMS Education Loan Trust, Wilmington Trust Co AMS Education Loan Trust/Bank One NA as Trustee c/o Sallie Mae-LFM, P.O. Box Panama City FL ARC Credit Union Thirteen Mile Road Roseville MI ASAP/Union Bank & Trust Assoc Builders & Contractors Credit Union# ATL Credit Union# Automotive Federal Credit Union# Auto-Owners Associates Credit Union# Bank of America, N.A. c/o MOHELA, 633 Spirit Drive Chesterfield MO Bank of Ann Arbor# Bank of Lake Mills/Student Loan Xpress c/o LoanStar Systems, Inc., P.O. Box 4940 Bryan TX Bank of Lenawee# Bank One Education Finance Corp Bank One Education Finance Corp. Page 1 of 18

7 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Bank One Education Finance Corp. c/o Sallie Mae-LFM, P.O. Box Panama City FL Bank One Education Finance Corp Bank One Education Finance Corp Bank One Education Finance Corp. c/o Sallie Mae-LFM, P.O. Box Panama City FL Bay Port State Bank# Bay Winds Federal Credit Union# baybank# Bell Com Credit Union# Berrien Teachers Credit Union# Besser Credit Union# Best Source Credit Union# Birmingham/Bloomfield Credit Union# Blissfield State Bank# Bloomfield Hills Schools Credit Union# BONY ELT Collegiate Fund Srv R1/CFO c/o SunTech, 6510 Old Canton Road Ridgeland MS Brighton Commerce Bank# Brunswick Employees Federal Credit Union# Byron Center State Bank# Calcite Credit Union# Capital Area School Employees Credit Union# Carnegie Insurance Company-A+Funds/Medfunds Catholic Community Credit Union# Catholic Federal Credit Union 6180 State Street, P.O. Box 6338 Saginaw MI Central Macomb Community Credit Union# Page 2 of 18

8 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Central Michigan Community Federal CU# Central Savings Bank# Central State Bank# Century Bank & Trust# Charlevoix State Bank# Charter One Bank, N.A Chase - JPMorgan Chase Bank, N.A Chela Education Funding, Inc. through Union Bank and Trust Co. as ELT Chela Funding I, LLC 388 Market Street, STE 1250, 12th Floor San Francisco CA Chela Funding I, LLC c/o National Education Servicing, 2412 W. Lawrence A Chicago IL Chelsea State Bank# Chemical Bank & Trust Company# Chemical Bank Shoreline# Chemical Bank West# Chief Pontiac Federal Credit Union# Chiropractic Federal Credit Union# ChoiceOne Bank# Christian Financial Credit Union# Citibank, N.A. P.O. Box 6128 Sioux Falls SD Citibank, N.A. c/o Sallie Mae-LFM, P.O. Box Panama City FL Citibank, N.A. as ELT for the Student Loan Corp. P.O. Box 6128 Sioux Falls SD Citizens Bank Citizens Bank# Citizens Bank, N.A. Page 3 of 18

9 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Citizens Choice Federal Credit Union# Citizens Credit Union# Citizens National Bank of Cheboygan# Citizens State Bank of Ontonagon# Citizens State Bank# Clawson Community Credit Union# Clinton County Federal Credit Union# CollEDGE c/o LoanStar Systems, Inc., P.O. Box 4940 Bryan TX College Credit Trust College Loan Corp/JPMCB as Trustee c/o ACS, 2277 East 220th Street Long Beach CA Collegiate Funding Services c/o MOHELA, 633 Spirit Drive Chesterfield MO Comerica Bank Comerica Bank Comerica Bank c/o Sallie Mae-LFM, P.O. Box Panama City FL Commercial National Bank of L'Anse Communications Family Credit Union# Community Bank# Community Central Bank# Community Choice Credit Union# Community Choice Credit Union# Community Financial Credit Union# Community First Federal Credit Union# Community Schools Credit Union# Community State Bank 207 South Saginaw Street St. Charles MI Page 4 of 18

10 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Connecticut Student Loan Foundation Consumers Choice Credit Union# Consumers Credit Union# Co-Op Services Credit Union# COPOCO Credit Union# Craftsman Credit Union# Credit Union One# Credit Union Plus# Crestwood Community Federal Credit Union# CSB Bank# Dart Bank# Dearborn Federal Credit Union# Delta County Credit Union# Detroit Edison Credit Union Deutsche Bank ELT NextStudent Inc. c/o ACS, 2277 East 220th Street Long Beach CA Deutsche Bank Trust ELT for College Loan Corp c/o ACS, 2277 East 220th Street Long Beach CA Dort Federal Credit Union Dow Chemical Employees' Credit Union P.O. Box 1649 Midland MI Dowagiac Area FCU# Downriver Community Federal Credit Union# E & A Credit Union# Eagle Country Federal Credit Union# edamerica c/o EdFinancial Services, 298 N. Seven Oaks Drive Knoxville TN EdInvest Company c/o Sallie Mae-LFM, P.O. Box Panama City FL Page 5 of 18

11 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Education Loan Resources c/o MOHELA, 633 Spirit Drive Chesterfield MO Education Solutions/Zions FNB as ELT Educational Community Credit Union# Educators and Employees Credit Union# EFSI c/o American Education Services, 1200 N. 7th Street Harrisburg PA ELGA Credit Union# Empire National Bank# Exchange State Bank P.O. Box 68 Carsonville MI Family Financial Credit Union# Farmers State Bank# Farwell State Savings Bank# Fidelity Bank# Fifth Third Bank Fifth Third Bank c/o Sallie Mae-LFM, P.O. Box Panama City FL Fifth Third Bank# Filer Credit Union# Financial Health Credit Union# FinancialEdge Community Credit Union First Area Credit Union# First Bank of Upper Michigan, N.A.# First Community Bank# First Federal of Northern Michigan# First Independence National Bank First National Bank of America# Page 6 of 18

12 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER First National Bank of Calumet-Lake Linden# First National Bank of Crystal Falls# First National Bank of Gaylord# First National Bank of Howell# First National Bank of Iron Mt First National Bank of Norway# First National Bank of St. Ignace# First National Bank of Three Rivers# First National Bank of Wakefield# First Savings Bank# First State Bank of Decatur# First State Bank# Firstbank - Alma# Flagship Federal Credit Union# Flagstar Bank, FSB# Flint Services Federal Credit Union# FM Financial Credit Union# FNB Taylorsville/IBB# Frankenmuth Credit Union# Franklin Bank, N.A.# G.W. Jones Exchange Bank# Gerber Employees Federal Credit Union# Gleaner Life Insurance Society 5200 West US 223, P.O. Box 1894 Adrian MI Goal Financial, LLC c/o ACS, 2277 East 220th Street Long Beach CA Page 7 of 18

13 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Good Shepherd Credit Union# Governmental Employees Credit Union# Graco Federal Credit Union# Grand Rapids Building Trades Credit Union# Grand Rapids Federal Employees Credit Union# Gratiot Community Credit Union# Grayling State Bank# Great Lakes First Federal Credit Union# Greater Niles Community Federal Credit Union# Greenville Community Bank# H.P.C. Credit Union# Hastings City Bank# Hillsdale County National Bank# Holland Machine Employees Credit Union# Homestead Savings Bank, FSB# Hometown Community Credit Union# Honor State Bank# Howmet Credit Union# Huron Community Bank# Huron National Bank# Huron River Area Credit Union# Independent Bank# Independent Bank-East Michigan# Independent Bank-South Michigan# Page 8 of 18

14 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Independent Bank-West Michigan# Ionia County National Bank# Iosco Community Credit Union# Iron Mt.-Kingsford Community Fed Credit Union# Isabella Bank & Trust# Isabella Community Credit Union# JPMorgan Chase Bank, N.A. c/o Sallie Mae-LFM, P.O. Box Panama City FL Kalamazoo County State Bank# Kalamazoo Postal Federal Credit Union# Keebler Credit Union# Kemba Credit Union# Kenowa Municipal Federal Credit Union# c/o Nelnet, Inc., P.O. Box Lincoln NE Kentucky Higher Education Student Loan Corp. c/o KHESLC, Lynn Station Road, Suite C200 Louisville KY KeyBank NA c/o Title IV Dept., 745 Atlantic Ave., Suite 300 Boston MA Keystone Community Bank# Lake Huron Credit Union# Lake Michigan Credit Union# Lake Osceola State Bank# Lakes Community Credit Union# Lakeside Community Bank# Lansing Community Credit Union Lapeer County Bank & Trust Co.# Lapeer County Community Credit Union# LaSalle Bank Midwest, N.A. c/o Sallie Mae-LFM, P.O. Box Panama City FL Page 9 of 18

15 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER LaSalle Bank Midwest, N.A LaSalle Bank Midwest, N.A.# LaSalle Federal Savings Bank# Latvian Credit Union 504 Grand Avenue NE Grand Rapids MI Macatawa Bank# Macomb Schools & Government Credit Union Garfield Road Clinton Twp MI Manistique Federal Credit Union# Marshall Savings Bank# Mason State Bank# Mayville State Bank# Mellon Bank# CAP c/o Sallie Mae-LFM, P.O. Box Panama City FL Mellon Bank, N.A. c/o Sallie Mae-LFM, P.O. Box Panama City FL Members First Credit Union P.O. Box 2165 Midland MI Menominee County Federal Credit Union# Mercantile Bank of West Michigan# Metro Credit Union# Metro North Federal Credit Union MetroBank# Michigan Coastal Credit Union# Michigan Educational Credit Union# Michigan Federal Credit Union# Michigan Higher Education Student Loan Authority Michigan Rural Rehabilitation Corp Centennial Rd, P.O. Box 188 Marshall MI Mid Am Bank Page 10 of 18

16 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Midland Area Credit Union# Midwest United Federal Credit Union# Miners State Bank# Missouri Higher Education Loan Authority c/o MOHELA, 633 Spirit Drive Chesterfield MO Monroe Bank and Trust# Monroe County Community Credit Union Montana Higher Ed Student Assistance Corp c/o Student Asst Foundation of MT, 2500 Broadway Helena MT Montana Higher Ed Student Assistance Corp c/o Student Asst Foundation of MT, 2500 Broadway Helena MT Montrose State Bank Morton Manistee Federal Credit Union# Motor City Co-op Credit Union# Motown First Federal Credit Union# Multi-Products Credit Union# Municipal & Health Services Credit Union# Muskegon Co-op Federal Credit Union Muskegon County School Employees Credit Union# National City Bank National City Bank, Indiana c/o Sallie Mae-LFM, P.O. Box Panama City FL National City Bank, Michigan-Illinois c/o Sallie Mae-LFM, P.O. Box Panama City FL National City Bank, Michigan-Illinois National Education Loan Network/Union Bank & Trust National Education/IDAPP c/o NES, 2412 West Lawrence Chicago IL Nellie Mae Nelnet Academic Loan Page 11 of 18

17 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Nelnet Education Loan Funding, Inc Nelnet Student Loan Funding/ Zions FNB as ELT Nelnet Student Loan II/ Zions FNB as ELT Nelnet Student Loan Trust/Zions FNB as ELT Nelnet Student Loan Warehouse-1/Zions FNB as ELT Nelnet Student Loan-I/Zions FNB as ELT Nelnet Super Loan NHELP III/Wells Fargo ELT NHELP Il/Zions FNB as ELT North Central Area Credit Union# North Country Bank & Trust# North Country Bank# Northeast Catholic Credit Union# Northern Michigan Bank# Northland Area Federal Credit Union# Northwest Consumers Federal Credit Union 2948 Garfield Road North Traverse City MI Northwestern Area Credit Union# Oak Industrial Park Credit Union# Oakland County Credit Union 1220 County Center Drive West Waterford MI Old Mission Bank# Omni Family Credit Union# Onaway Community Federal Credit Union# Onsted State Bank# Owosso Columbus Credit Union# Page 12 of 18

18 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER PAC Federal Credit Union# Paramount Bank# Parkside Credit Union# Pecos Student Fin. Corp/Trustee U.S. Bank c/o American Education Services, 1200 N. 7th Street Harrisburg PA Pecos Student Finance Corp/Trustee Wells Fargo c/o American Education Services, 1200 N. 7th Street Harrisburg PA Peninsula Bank 100 South Main Street Ishpeming MI Peninsula Federal Credit Union P.O. Box 717 Escanaba MI Pennsylvania Higher Education Assistance Agency 1200 N Seventh Street Student Loans 4th floor Harrisburg PA Pennwalt Employees Credit Union# Peoples State Bank# Peoples Trust Credit Union# PNC Bank c/o American Education Services, 1200 N. 7th Street Harrisburg PA Port Austin State Bank# Portland Federal Credit Union# Preferred Federal Credit Union# Providence Hospital Credit Union# Public Service Credit Union# Public Service Employees Federal Credit Union# Republic Bank# Republic Bank# Research Federal Credit Union# Rivers Edge Community Credit Union# Rockford Community Fedl Credit Union# Royal Oak Schools Credit Union Page 13 of 18

19 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Royal Oakland Community Credit Union# Saginaw Automotive Employees FCU# Saginaw County Employees Credit Union# Saginaw Eaton Credit Union# Saginaw VA Hospital Federal Credit Union# Sallie Mae Education Trust# School Loans Corporation c/o ACS, 2277 East 220th Street Long Beach CA SEE & A Credit Union Servitor Credit Union# Settlers' Co-Operative Credit Union# Shiawassee Community Credit Union 898 West Corunna Avenue Corunna MI Shoreline Federal Credit Union# Signature Bank# SLC Credit Union# SOC Credit Union# Soo Co-Operative Credit Union# South Central State Employees Credit Union# Southeast MI State Empl FCU# Southern Michigan Bank and Trust# Southwest Student Services Trust, WFB ELT c/o Sallie Mae-LFM, P.O. Box Panama City FL Southwest Student Services Trust, WFB ELT c/o Sallie Mae-LFM, P.O. Box Panama City FL Spartan Stores Credit Union# SSBBank# St. Pauls Latvian Federal Credit Union P.O. Box 3377 Farmington Hills MI Page 14 of 18

20 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Stampers Federal Credit Union# State Bank of Caledonia# State Bank of Coloma# State Bank of Ewen# State Employees Credit Union# Stillwater National Bank Straits Area Federal Credit Union# Student Assistance Foundation 2500 Broadway Helena MT Student Loan Finance Corporation c/o Student Loan Finance Corp, 105 First Ave, SW Aberdeen SD Student Loan Funding c/o Sallie Mae-LFM, P.O. Box Panama City FL Student Loan Xpress, 5/3 Bank as ELT c/o Citibank, 99 Garnsey Road Pittsford NY Student Loan Xpress, Fifth Third Bank as ELT c/o MOHELA, 633 Spirit Drive Chesterfield MO Student Loan Xpress, Fifth Third Bank as ELT Student Loan Xpress, Fifth Third Bank as ELT c/o LoanStar Systems, Inc., P.O. Box 4940 Bryan TX Student Loan Xpress, Fifth Third Bank as ELT c/o Education Loan Servicing Corp., 1500 W. 3rd St., Suite 1 Columbus OH Sturgis Bank & Trust# Sunrise Family Credit Union# SunTrust Bank SunTrust Bank c/o Sallie Mae-LFM, P.O. Box Panama City FL SunTrust Bank Superior National Bank# Surety Loan Funding Corp. c/o Student Loan Finance Corp, 105 First Ave, SW Aberdeen SD T & C Federal Credit Union# Tandem Federal Credit Union# Page 15 of 18

21 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER TBA Education Credit Union# TCF National Bank Team One Credit Union Telcom Credit Union# The Private Bank# c/o Nelnet, Inc., P.O. Box Lincoln NE The State Bank# The State Savings Bank# Thumb National Bank & Trust# Thunder Bay Area Credit Union# Town and Country Family Credit Union# Traverse City State Bank# Tri-Cities Credit Union# Tri-Pointe Community Credit Union# TRW Michigan Employees Credit Union# U.P. State Credit Union# U.P. Trans Comm Federal Credit Union# U.S. Bank, N.A. ATF 1st Student Financial c/o BHESC-CA, P.O. Box 3058 Mission Viejo CA U.S. Bank, N.A. ATF Amerifund Education Corp. c/o ACS, 2277 East 220th Street Long Beach CA U.S. Bank, N.A. ATF Brazos Educational Assistance Ukrainian Future Credit Union# Union Bank & Trust Company Union Bank# United Bank & Trust# United Bank of Michigan# Page 16 of 18

22 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER United Bay City Credit Union# United Christian Community Credit Union# United Churches Credit Union# United Educational Credit Union# United Federal Credit Union# United Saginaw Credit Union# Unity Credit Union# USA Federal Credit Union USEFC/US Bank N.A. as Trustee c/o ACS, 2277 East 220th Street Long Beach CA VA & Military Employees Federal Credit Union# Valley Ridge Bank# Valley State Employees Credit Union# VIP Credit Union# Wachovia Education Finance Inc Wanigas Federal Credit Union 4026 Shattuck Road Saginaw MI Warren Bank# Wells Fargo Bank Texas NA/ATF Bosque HEA c/o American Education Services, 1200 N. 7th Street Harrisburg PA Wells Fargo Education Fin. Services Wells Fargo Education Financial Services 301 East 58th Street North Sioux Falls SD West Michigan Community Bank# West Michigan Savings Bank# West Michigan State Employees Credit Union# West Shore Bank# Western Districts Members Credit Union# Page 17 of 18

23 LENDER CODE INSTITUTION CITY, STATE, AND ZIP CODE TELEPHONE NUMBER Wexford Community Credit Union 1021 North Mitchell, P.O. Box 610 Cadillac MI Wolverine Bank# Wyandotte Community Federal Credit Union# Ypsilanti Area Federal Credit Union# Zions Bank as ELT for Nelnet Zions Bank ELT for EMT Corp Number of lenders in this report: 411 Page 18 of 18

24 MICHIGAN GUARANTY AGENCY Participating Lenders by Lender Code Peoples Trust Credit Union# Southfield MI United Federal Credit Union# Buchanan MI Northland Area Federal Credit Union# Oscoda MI Assoc Builders & Contractors Credit Union# Wyoming MI Farmers State Bank# Munith MI Keebler Credit Union# Wyoming MI Kemba Credit Union# Livonia MI Manistique Federal Credit Union# Manistique MI Morton Manistee Federal Credit Union# Manistee MI United Churches Credit Union# Dearborn MI Macatawa Bank# Holland MI Greenville Community Bank# Greenville MI Keystone Community Bank# Kalamazoo MI Paramount Bank# Farmington Hills MI Saginaw County Employees Credit Union# Saginaw MI Old Mission Bank# Sault Ste. Marie MI First Area Credit Union# Saginaw MI ATL Credit Union# Wyoming MI Clawson Community Credit Union# Clawson MI The Private Bank# Bloomfield Hills MI Communications Family Credit Union# Saginaw MI Kenowa Municipal Federal Credit Union# Wyoming MI Auto-Owners Associates Credit Union# Lansing MI Mercantile Bank of West Michigan# Comstock Park MI Brighton Commerce Bank# Brighton MI Good Shepherd Credit Union# Lincoln Park MI Craftsman Credit Union# Detroit MI Lakes Community Credit Union# Lake Orion MI First Independence National Bank Detroit MI FM Financial Credit Union# Flint MI Clinton County Federal Credit Union# St Johns MI LaSalle Bank Midwest, N.A. Chicago IL Mellon Bank# Pittsburgh PA Advantage One Federal Credit Union# Southgate MI Bell Com Credit Union# Grand Rapids MI Byron Center State Bank# Byron Center MI Citizens Bank# Flint MI Co-Op Services Credit Union# Livonia MI Farwell State Savings Bank# Farwell MI First National Bank of Wakefield# Wakefield MI Frankenmuth Credit Union# Frankenmuth MI Republic Bank# Hancock MI Republic Bank# Hancock MI Saginaw Eaton Credit Union# Saginaw MI Sallie Mae Education Trust# Killeen TX Signature Bank# Bad Axe MI State Employees Credit Union# Lansing MI Superior National Bank# Hancock MI TBA Education Credit Union# Traverse City MI The State Bank# Fenton MI # Participates in a Referral Loan Program Page 1 of 9

25 MICHIGAN GUARANTY AGENCY Participating Lenders by Lender Code Union Bank# Lake Odessa MI United Bank & Trust# Tecumseh MI Wachovia Education Finance Inc. Sacramento CA Fifth Third Bank# Cincinnati OH Bank One Education Finance Corp. Indianapolis IN Bank One Education Finance Corp. Indianapolis IN National City Bank, Indiana Cleveland OH Mid Am Bank Toledo OH Firstbank - Alma# Alma MI Century Bank & Trust# Coldwater MI CSB Bank# Capac MI Central Savings Bank# Sault Ste Marie MI Chemical Bank & Trust Company# Midland MI Citizens National Bank of Cheboygan# Cheboygan MI Commercial National Bank of L'Anse L'Anse MI Northern Michigan Bank# Marquette MI First National Bank of St. Ignace# St. Ignace MI First National Bank of Three Rivers# Three Rivers MI First National Bank of Iron Mt. Iron Mountain MI Chemical Bank West# Lake City MI First National Bank of Calumet-Lake Linden# Lake Linden MI North Country Bank & Trust# Manistique MI North Country Bank# Ontonagon MI First National Bank of Crystal Falls# Crystal Falls MI National City Bank, Michigan-Illinois Cleveland OH Independent Bank-South Michigan# Leslie MI G.W. Jones Exchange Bank# Marcellus MI Bank One Education Finance Corp. Indianapolis IN Comerica Bank Detroit MI Hastings City Bank# Hastings MI Independent Bank# Ionia MI Chemical Bank Shoreline# St. Joseph MI Ionia County National Bank# Ionia MI Isabella Bank & Trust# Mt. Pleasant MI Kalamazoo County State Bank# Schoolcraft MI Lake Osceola State Bank# Baldwin MI Lapeer County Bank & Trust Co.# Lapeer MI Mason State Bank# Mason MI Algonac Savings Bank# Algonac MI Bank of Lenawee# Adrian MI Fifth Third Bank Grand Rapids MI Peninsula Bank Ishpeming MI Thumb National Bank & Trust# Pigeon MI Southern Michigan Bank and Trust# Coldwater MI ChoiceOne Bank# Sparta MI Citizens Bank Standish MI Northeast Catholic Credit Union# Harper Woods MI The State Savings Bank# Manistique MI West Shore Bank# Ludington MI SSBBank# Stockbridge MI Wells Fargo Education Financial Services Sioux Falls SD # Participates in a Referral Loan Program Page 2 of 9

26 MICHIGAN GUARANTY AGENCY Participating Lenders by Lender Code Citizens Bank, N.A. Albany NY Chase - JPMorgan Chase Bank, N.A. Columbus OH JPMorgan Chase Bank, N.A. Columbus OH Charter One Bank, N.A. Norwood MA Union Bank & Trust Company Lincoln NE Bank One Education Finance Corp Indianapolis IN Fifth Third Bank Cincinnati OH Bank One Education Finance Corp. Indianapolis IN National City Bank Cleveland OH Stillwater National Bank Stillwater OK PNC Bank Pittsburgh PA SunTrust Bank Richmond VA Bank One Education Finance Corp. Indianapolis IN Besser Credit Union# Alpena MI H.P.C. Credit Union# Alpena MI Eagle Country Federal Credit Union# Crystal Falls MI VA & Military Employees Federal Credit Union# Battle Creek MI Omni Family Credit Union# Battle Creek MI FinancialEdge Community Credit Union Bay City MI COPOCO Credit Union# Bay City MI Hometown Community Credit Union# Novi MI Unity Credit Union# Warren MI Delta County Credit Union# Wells MI Great Lakes First Federal Credit Union# Escanaba MI Credit Union One# Ferndale MI Macomb Schools & Government Credit Union Clinton Twp MI Latvian Credit Union Grand Rapids MI Christian Financial Credit Union# Roseville MI Iron Mt.-Kingsford Community Fed Credit Union# Kingsford MI Isabella Community Credit Union# Mt. Pleasant MI North Central Area Credit Union# Houghton Lake MI Menominee County Federal Credit Union# Powers MI Soo Co-Operative Credit Union# Sault Ste Marie MI Team One Credit Union Saginaw MI Northwest Consumers Federal Credit Union Traverse City MI Pennwalt Employees Credit Union# Riverview MI baybank# Gladstone MI Valley Ridge Bank# Kent City MI KeyBank NA Ann Arbor MI Motor City Co-op Credit Union# Clinton Twp MI Central Macomb Community Credit Union# Mt. Clemens MI Monroe County Community Credit Union Monroe MI U.P. State Credit Union# Escanaba MI St. Pauls Latvian Federal Credit Union Farmington Hills MI Dart Bank# Mason MI Community State Bank St. Charles MI Servitor Credit Union# Roseville MI State Bank of Ewen# Ewen MI Huron Community Bank# East Tawas MI Peninsula Federal Credit Union Escanaba MI SunTrust Bank Richmond VA # Participates in a Referral Loan Program Page 3 of 9

27 MICHIGAN GUARANTY AGENCY Participating Lenders by Lender Code Chela Funding I, LLC San Francisco CA SunTrust Bank Richmond VA Community Bank# Caro MI First National Bank of Norway# Norway MI First State Bank# Richmond MI United Educational Credit Union# Battle Creek MI Educational Community Credit Union# Kalamazoo MI Chela Funding I, LLC San Francisco CA Mayville State Bank# Mayville MI United Saginaw Credit Union# Bridgeport MI First Savings Bank# Three Rivers MI Independent Bank-West Michigan# Rockford MI Michigan Rural Rehabilitation Corp. Marshall MI Comerica Bank Detroit MI Hillsdale County National Bank# Hillsdale MI South Central State Employees Credit Union# Jackson MI Citizens State Bank of Ontonagon# Ontonagon MI First National Bank of America# East Lansing MI Best Source Credit Union# Waterford MI Berrien Teachers Credit Union# St. Joseph MI First National Bank of Howell# Howell MI Bank of Lake Mills/Student Loan Xpress Lake Mills WI First Bank of Upper Michigan, N.A.# Gladstone MI Chelsea State Bank# Chelsea MI Blissfield State Bank# Blissfield MI LaSalle Federal Savings Bank# St. Joseph MI Bay Port State Bank# Bay Port MI Connecticut Student Loan Foundation Rocky Hill CT LaSalle Bank Midwest, N.A. Chicago IL First State Bank of Decatur# Decatur MI Nelnet Academic Loan Indianapolis IN Central State Bank# Beulah MI Northwestern Area Credit Union# Cadillac MI Miners State Bank# Iron River MI Catholic Federal Credit Union Saginaw MI Consumers Choice Credit Union# Saginaw MI Sunrise Family Credit Union# Bay City MI Lake Michigan Credit Union# Grand Rapids MI Port Austin State Bank# Port Austin MI Comerica Bank Detroit MI Western Districts Members Credit Union# Grand Rapids MI SEE & A Credit Union Monroe MI Thunder Bay Area Credit Union# Alpena MI Michigan Higher Education Student Loan Authority Lansing MI Onsted State Bank# Onsted MI First Community Bank# Harbor Springs MI SOC Credit Union# Troy MI Sturgis Bank & Trust# Sturgis MI Preferred Federal Credit Union# Greenville MI Empire National Bank# Traverse City MI Grand Rapids Federal Employees Credit Union# Grand Rapids MI # Participates in a Referral Loan Program Page 4 of 9

28 MICHIGAN GUARANTY AGENCY Participating Lenders by Lender Code Wanigas Federal Credit Union Saginaw MI Gerber Employees Federal Credit Union# Fremont MI Lapeer County Community Credit Union# Lapeer MI Kentucky Higher Education Student Loan Corp. Louisville KY Flagstar Bank, FSB# Jackson MI Kalamazoo Postal Federal Credit Union# Kalamazoo MI Citibank, N.A. North Attleboro MA National City Bank, Michigan-Illinois Cleveland OH Gleaner Life Insurance Society Adrian MI Huron National Bank# Rogers City MI E & A Credit Union# Port Huron MI United Bay City Credit Union# Bay City MI Independent Bank-East Michigan# Caro MI ARC Credit Union Roseville MI First Federal of Northern Michigan# Alpena MI T & C Federal Credit Union# Pontiac MI Muskegon Co-op Federal Credit Union Muskegon MI Homestead Savings Bank, FSB# Albion MI Exchange State Bank Carsonville MI Wolverine Bank# Midland MI Dow Chemical Employees' Credit Union Midland MI Straits Area Federal Credit Union# Cheboygan MI MetroBank# Farmington Hills MI United Christian Community Credit Union# Troy MI Citibank, N.A. Pittsford NY Honor State Bank# Honor MI Members First Credit Union Midland MI First National Bank of Gaylord# Gaylord MI Downriver Community Federal Credit Union# Ecorse MI Public Service Employees Federal Credit Union# Escanaba MI U.P. Trans Comm Federal Credit Union# Escanaba MI Motown First Federal Credit Union# Hamtramck MI Dort Federal Credit Union Flint MI Wexford Community Credit Union Cadillac MI Midland Area Credit Union# Midland MI Iosco Community Credit Union# Oscoda MI Central Michigan Community Federal CU# Clare MI Warren Bank# Warren MI Metro North Federal Credit Union Waterford MI Shiawassee Community Credit Union Corunna MI Pennsylvania Higher Education Assistance Agency Harrisburg PA Nellie Mae Braintree MA Aeroquip Employees Credit Union# Jackson MI Lake Huron Credit Union# Saginaw MI Monroe Bank and Trust# Monroe MI Allied Employers Credit Union# Wyoming MI Bay Winds Federal Credit Union# Charlevoix MI Capital Area School Employees Credit Union# Lansing MI Peoples State Bank# Warren MI Portland Federal Credit Union# Portland MI Valley State Employees Credit Union# Saginaw MI # Participates in a Referral Loan Program Page 5 of 9

29 MICHIGAN GUARANTY AGENCY Participating Lenders by Lender Code Stampers Federal Credit Union# Walker MI Michigan Federal Credit Union# Flint MI Alpena County Medical Credit Union# Alpena MI Filer Credit Union# Manistee MI Zions Bank as ELT for Nelnet Indianapolis IN Oak Industrial Park Credit Union# Grand Rapids MI Spartan Stores Credit Union# Wyoming MI Dearborn Federal Credit Union# Dearborn MI Automotive Federal Credit Union# Ypsilanti MI Community Choice Credit Union# Livonia MI Crestwood Community Federal Credit Union# Garden City MI Oakland County Credit Union Waterford MI Huron River Area Credit Union# Ann Arbor MI Howmet Credit Union# Whitehall MI Ukrainian Future Credit Union# Warren MI Saginaw Automotive Employees FCU# Saginaw MI Grand Rapids Building Trades Credit Union# Comstock Park MI Rockford Community Fedl Credit Union# Rockford MI Metro Credit Union# Warren MI Owosso Columbus Credit Union# Owosso MI USA Federal Credit Union Auburn Hills MI Montrose State Bank Montrose MI College Credit Trust New York NY Graco Federal Credit Union# Alma MI Gratiot Community Credit Union# Alma MI Muskegon County School Employees Credit Union# Muskegon MI Royal Oak Schools Credit Union Royal Oak MI Montana Higher Ed Student Assistance Corp Helena MT Citizens Choice Federal Credit Union# Greenville MI Mellon Bank, N.A. Pittsburgh PA Detroit Edison Credit Union Detroit MI LaSalle Bank Midwest, N.A.# Chicago IL Citibank, N.A. as ELT for the Student Loan Corp. North Attleboro MA Southeast MI State Empl FCU# Southfield MI Settlers' Co-Operative Credit Union# Bruce Crossing MI National Education/IDAPP Deerfield IL Southwest Student Services Trust, WFB ELT Gilbert AZ Tri-Pointe Community Credit Union# Grand Blanc MI Public Service Credit Union# Detroit MI ASAP/Union Bank & Trust Tempe AZ Flagship Federal Credit Union# Port Huron MI Southwest Student Services Trust, WFB ELT Gilbert AZ Community First Federal Credit Union# Lakeview MI Nelnet Super Loan Portland ME edamerica Knoxville TN Student Loan Funding Wilkes-Barre PA Bank of America, N.A. Worcester MA West Michigan State Employees Credit Union# Grand Rapids MI Community Schools Credit Union# Rochester MI Bank of Ann Arbor# Ann Arbor MI Community Central Bank# Mt. Clemens MI # Participates in a Referral Loan Program Page 6 of 9

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