For purposes of these Terms and Conditions ("Terms and Conditions"), the following definitions apply: “National City Bank”, "we", "us", or "our" means National City Bank, Cleveland, OH, its successors and/or assigns.  "Goal Financial" means Goal Financial, LLC, 1229 King Street, Alexandria, VA  22314. "You" or "your" means education loan borrowers of National City Bank and/or Goal Financial whose loans meet the eligibility requirements.

"Program" means the “Goal Advantage Education Loan Interest Rate Reduction Benefit.”

1. Eligibility is restricted to borrowers that have a Goal Advantage Education Loan that was originated by National City Bank and:

-Are not enrolled in any other borrower benefit, loyalty or reward program for the same Goal Advantage Consolidation Loan; and
-Are in enrolled in, and are making payments via Automated Clearing House (ACH) or Auto Debit payments that are set up directly with our loan servicer; and
-Whose eligible loan was first disbursed on or before 3/31/2008.
2. ACH Discounts will only be made if your student loan is open and in a repayment status.
3. ACH Discounts will be applied as a reduction in the rate at which interest accrues on your loan, which might not result in any reduction of your monthly payment amount. 
4. You may not transfer or assign your ACH Discount.
5. Liability for any tax on any benefits provided to you pursuant to this program shall be your sole responsibility. We recommend that you contact your own accountant or tax advisor in this regard. 
6. 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 entering this Program). You further waive all rights to have damages multiplied or increased.
7. In the event that you claim that you are eligible for the Interest Rate Reduction but have not received it, then you must provide verification to our satisfaction as to your claim of an entitlement. All reduction claims are subject to our verification checks and procedures, as determined by us in our discretion. We must receive all inquiries regarding claims within ninety (90) days of the date that you claim you became fully eligible for the Interest Rate Reduction.
8. The 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.
9. The Terms and Conditions of this program are void where prohibited by law.
10. 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.
11. 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. 
12. The laws of the State of California shall govern and be used to construe these Terms and Conditions.