For purposes of these Terms and Conditions ("Terms and Conditions"), the following definitions apply: "Goal Financial", "we", "us", or "our" means Goal Financial, LLC, 1229 King Street 3rd Floor, Alexandria, VA 22314. "You" or "your" or "borrower" means student loan borrowers of Goal Financial whose loans meet the eligibility requirements.

"Program" means the "Goal Financial Cash Reward Program."

Due to the College Cost Reduction and Access Act of 2007, Goal Financial, LLC has decided that it can no longer offer these borrower benefits; therefore, eligible loans must be first disbursed before 10/1/2007 to remain eligible for this offer

1.       Eligibility is restricted to borrowers that have a Federal Consolidation Loan with Goal Financial with an Original Principal Balance (OPB) that exceeds $20,000 AND:

-           Have selected the Goal Financial Cash Reward Program during the application process, either on a Goal Financial Benefit Selection Form that has been completed, signed and returned to Goal Financial or via online application; and

-           Whose eligible loan is in repayment status with Goal Financial at the time of calculation of any reduction or reward; and

-           Whose eligible loan included all of the borrower's outstanding loans eligible for Federal Consolidation at the time of disbursement, and was first disbursed on or after 07/19/2007 and before October 1, 2007; and

-          Have made their first regularly scheduled monthly payment on time; and

-           Have completed, signed and returned a Cash Reward Request Form to Goal   Financial within 30 days of making their first regularly scheduled monthly payment.

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

3.       We base any Cash Reward on the Original Principal Balance (OPB) at the time of loan funding.

4.       We calculate the amount of the Cash Reward as follows: After making the first regularly scheduled monthly payment on-time,

 -             borrowers with an Original Principal Balance (OPB) of between $20,000.01 and  $59,999.99 will qualify for a 1.0% Cash Reward; or

-         borrowers with an Original Principal Balance (OPB) of $60,000.00 or more will qualify for a 2.0% Cash Reward.

 5.       A payment is considered "on-time" if it is received in full and no more than 14 days after the due date. If we receive a returned check for your qualifying payment, the amount of the returned check will be added to your loan balance, and the payment will be considered late. Periods of authorized deferment and forbearance are disregarded in determining which payment is the "first" payment.

6.       Payments made on any other student loan(s) will not qualify you for the benefits contained in this Program.

7.       We will not process any Cash Reward without receipt of a completed and signed Cash Reward Request Form.

8.       Cash Reward Request Forms must be received by Goal Financial and postmarked no later than 30 days after the posting date of the first regularly scheduled monthly payment.  Cash Reward Request Forms should be mailed to:

 9.     Required forms, including the Goal Financial Benefit Selection Form and the Cash Reward Request Form, are included in your application package, or are available online at our website: www.goalfinancial.net.

10.    You are eligible to receive a Cash Reward only once during the term of the loan.

11.    You will receive the Cash Reward in the form of a check made payable to you.

12.    Cash Reward checks will be sent by U.S. mail.

13.    You should allow 90 days from the date we receive your completed and signed Reward Request Form for delivery of the Cash Reward check.

14.    Borrowers enrolled in the Goal Financial Cash Reward Benefit Program are not eligible for any other Goal Financial Federal Consolidation Loan borrower benefit or loan loyalty or reward programs.  The only exception to this is that you may apply for and receive a 0.25% reduction in the rate at which interest accrues on your loan for making your payments by automatic debit, if set up directly with our loan servicer.  

15.    Liability for any tax on any benefits provided to you pursuant to this program shall be solely your responsibility. We recommend that you contact your own accountant or tax advisor in this regard.

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

17.    All reward claims are subject to our verification checks and procedures, as determined by us in our discretion. We must receive all inquiries regarding claims within one-hundred eighty (180) days of the date that you claim you became fully eligible for the Cash Reward.

18.   These Terms and Conditions of this program are subject to change without notice. However, no changes will be made to this Program which would affect any benefits under this Program as offered to you when your loan was originally disbursed.

19.   These Terms and Conditions of this program are void where prohibited by law.

20.    If a court of competent jurisdiction finds any provision of these Terms and Conditions to be void, then the court shall strike the offending provision while giving the remaining provisions full force and effect.

21.    Goal Financial, LLC may suspend or terminate this Program at any time with or without notice and without liability to you or any other person. However, we will not suspend or terminate the Program for any borrowers who were eligible to participate in this Program at the time his or her loan was originally disbursed.

22.   The laws of the State of California shall govern and be used to construe these Terms and Conditions.

   You should direct any questions regarding this program to Goal Financial Customer Service at 866-290-4222.