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<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Hello you lucky souls who are still stuck
in your offices on Friday afternoon like me. Sherry&#8217;s post regarding BOK picking
up the guarantee fee is very interesting because it&#8217;s different from what
I understood. Hey BOK folks, we need your help here. I was wondering if
Kimberly (assuming she&#8217;s not having a baby right now) or Jeremy might clarify
for us what fee(s) BOK will be &#8220;paying/waiving/providing/covering/picking
up&#8221; for 2006-07 &#8211; the lender origination fees and/or the guarantor
default fee? <o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Thanks again to Pam and others for their
contributions to our discussion.<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Larry<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p>&nbsp;</o:p></span></font></p>

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<p class=MsoNormal><b><font size=2 face=Tahoma><span style='font-size:10.0pt;
font-family:Tahoma;font-weight:bold'>From:</span></font></b><font size=2
face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'>
oasfaa-bounces@lists.onenet.net [mailto:oasfaa-bounces@lists.onenet.net] <b><span
style='font-weight:bold'>On Behalf Of </span></b>Sherry Foster<br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
2:55 PM<br>
<b><span style='font-weight:bold'>To:</span></b> Nancy Moats; oasfaa@onenet.net<br>
<b><span style='font-weight:bold'>Subject:</span></b> RE: [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>

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<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>I just visited with Kimberly today from
BOK and she says that they are picking up the Guarantee fee.&nbsp; She just
smiled when I mentioned future years.&nbsp; I don&#8217;t think anyone knows
for sure.<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>Sherry Foster<o:p></o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'><o:p>&nbsp;</o:p></span></font></p>

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<p class=MsoNormal><b><font size=2 face=Tahoma><span style='font-size:10.0pt;
font-family:Tahoma;font-weight:bold'>From:</span></font></b><font size=2
face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'> <st1:PersonName
w:st="on">oasfaa-bounces@lists.one<st1:PersonName w:st="on">net</st1:PersonName>.<st1:PersonName
 w:st="on">net</st1:PersonName></st1:PersonName> [mailto:<st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
 w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>]
<b><span style='font-weight:bold'>On Behalf Of </span></b>Nancy Moats<br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
2:48 PM<br>
<b><span style='font-weight:bold'>To:</span></b> oasfaa@one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName><br>
<b><span style='font-weight:bold'>Subject:</span></b> RE: [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>

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<p class=MsoNormal><font size=3 face="Times New Roman"><span style='font-size:
12.0pt'><o:p>&nbsp;</o:p></span></font></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>To add to both of your comments, has
anyone seen anything in writing from a guarantor who is willing to subsidize
the 1% fee, and if so, is there any commitment to subsidize it beyond this
first year?</span></font><o:p></o:p></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal><st1:place w:st="on"><st1:City w:st="on"><font size=2
  color=navy face=Arial><span style='font-size:10.0pt;font-family:Arial;
  color:navy'>Nancy</span></font></st1:City></st1:place><font size=2
color=navy face=Arial><span style='font-size:10.0pt;font-family:Arial;
color:navy'> Moats</span></font><o:p></o:p></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal><font size=2 color=navy face=Arial><span style='font-size:
10.0pt;font-family:Arial;color:navy'>&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Tahoma><span
style='font-size:10.0pt;font-family:Tahoma'>-----Original Message-----<br>
<b><span style='font-weight:bold'>From:</span></b> <st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
 w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>
[mailto:<st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
 w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>]
<b><span style='font-weight:bold'>On Behalf Of </span></b><st1:PersonName
w:st="on">Hollingsworth, Larry</st1:PersonName><br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
2:03 PM<br>
<b><span style='font-weight:bold'>To:</span></b> oasfaa@one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName><br>
<b><span style='font-weight:bold'>Subject:</span></b> RE: [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'>&nbsp;<o:p></o:p></span></font></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>Great question Jonna.
I'll be the first to jump in. Hopefully, others will join us. You're not alone struggling
with this delimma. Many of us are &quot;in a pickle&quot; on this one though. </span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'>&nbsp;<o:p></o:p></span></font></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>Who among our students,
if given the opportunity to pay zero fees or pay a 1% fee would opt for the 1%?
Not many I'd bet. At the same time who among our financial aid offices wants to
sit down with a student/parent and defend processing a loan with 1% fees when
it could have been processed with no fees? I don't look forward to that type of
a conversation. Therefore, I'm&nbsp;trying to figure our a simple way of
communicating the choices to our students and let them make the decision for
themselves.</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'>&nbsp;<o:p></o:p></span></font></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>When lenders are biting
the bullet and waiving fees in order to be competitive, I'd like to see OGSLP
do the same thing. Unfortunately, I don't believe state schools have to same flexibility
that privates do in pursuing a better alternative for their students. Let's
face it, polictics are&nbsp;part of the environment in which we live.&nbsp;So
if anyone has any creative solutions in mind, please share them with the rest
of us. </span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'>&nbsp;<o:p></o:p></span></font></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>These&nbsp;observations
are not intended to represent anyone&nbsp;but me.&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'>&nbsp;<o:p></o:p></span></font></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 color=blue face=Arial><span
style='font-size:10.0pt;font-family:Arial;color:blue'>Larry</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=3 face="Times New Roman"><span
style='font-size:12.0pt'>&nbsp;<o:p></o:p></span></font></p>

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<p class=MsoNormal style='mso-margin-top-alt:0in;margin-right:0in;margin-bottom:
12.0pt;margin-left:5.0in'><b><font size=2 face=Tahoma><span style='font-size:
10.0pt;font-family:Tahoma;font-weight:bold'>From:</span></font></b><font
size=2 face=Tahoma><span style='font-size:10.0pt;font-family:Tahoma'> <st1:PersonName
w:st="on">oasfaa-bounces@lists.one<st1:PersonName w:st="on">net</st1:PersonName>.<st1:PersonName
 w:st="on">net</st1:PersonName></st1:PersonName> [mailto:<st1:PersonName w:st="on">oasfaa-bounces@lists.one<st1:PersonName
 w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName></st1:PersonName>]
<b><span style='font-weight:bold'>On Behalf Of </span></b>Jonna L. Raney<br>
<b><span style='font-weight:bold'>Sent:</span></b> Wednesday, March 01, 2006
12:45 PM<br>
<b><span style='font-weight:bold'>To:</span></b> oasfaa@one<st1:PersonName
w:st="on">net</st1:PersonName>.<st1:PersonName w:st="on">net</st1:PersonName><br>
<b><span style='font-weight:bold'>Subject:</span></b> [Oasfaa] Guarantor
Question</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>I&#8217;m interested to know what
schools are doing for 06/07 about the guarantor for their loans. I&#8217;m torn
because I want to do business in OK, but if other guarantors are paying the 1%
guarantee fee, I have to also keep in mind what is best for our students. I
feel like the service from the 1% guarantor and the no fee guarantor are both
very good, so that&#8217;s not a big factor in the decision for me. </span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>I don&#8217;t want to step on any
toes, but I need to make a decision about this topic fairly soon.&nbsp; I&#8217;d
like to hear from both State and Private schools if possible.</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>Thanks for any feedback. </span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>&nbsp;</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>Jonna Raney</span></font><o:p></o:p></p>

<p class=MsoNormal style='margin-left:.5in'><font size=2 face=Arial><span
style='font-size:10.0pt;font-family:Arial'>St. Gregory&#8217;s University</span></font><o:p></o:p></p>

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