1. CitiAssist Loan Options for International Students New York University Stern School of Business Presented by: Jason Cook

2. CitiAssist Loan Products Loan Types CitiAssist Global International Loan CitiAssist Graduate Loan

3. CitiAssist Global Loan for International Students

4. Frequently Asked Questions: Who can apply? International students with a U.S. Reference. No U.S. Co-signer is required. Why do I need a U.S. Reference? In case Citibank is unable to contact student by phone or mail reference would be contacted for updated information. What is the difference between the Graduate and Global CitiAssist Loans? No U.S. co-signer is required. Terms and conditions.

5. CitiAssist Global Loan for International Students Interest Rate Prime + 2.00% CitiAssist APR is 9.77%. As of 9/01/06 Prime is 8.25%. Interest rate adjusts quarterly. Loan Fees: None Annual Limits : Maximum: $40,000 Minimum:None Aggregate Limits : $150,000 Deferment Eligibility: 4 Years in-school + 6 months grace Repayment Term: 15 years

6. CitiAssist Global Loan for International Students Borrower Benefits: 0.50% interest rate reduction for 48 on time payments 0.25% interest rate reduction for auto debit Features: Apply for conditional loan approval prior to obtaining immigration documentation. (Documents must be received for final approval) Paypal - payment process for international students

7. CitiAssist – Graduate Loan (How to Apply) w4.stern.nyu.edu/finaid Click on Types of “Financial Aid”

8. CitiAssist – Graduate Loan (How to Apply) Click on Loans

9. CitiAssist – Graduate Loan (How to Apply) Click on “international student”

10. CitiAssist Global Loan for International Students (How to Apply) Click on “CitiAssist Global Loan”

11. CitiAssist Global Loan for International Students (How to Apply) Click on “Download the application and instructions”

12. CitiAssist Global Loan for International Students (How to Apply) Opens a “PDF” file using an Adobe Acrobat Reader.

13. CitiAssist Global Loan for International Students (How to Apply)

15. CitiAssist Global Loan for International Students Next Steps: - Make a copy of the application for your records. -Mail Application with letter of admission from NYU and any other requested documentation CitiAssist Originations Department P.O. Box 6074 Sioux Falls, SD 57117-6074 -or- Fax Application to: 1-800-723-2777* *May still be required to provide supporting documentation for final CitiAssist approval.

16. CitiAssist – Graduate Loan CitiAssist for Graduate Students

17. CitiAssist – Graduate Loan Frequently Asked Questions: Who can apply? International students with a U.S. or Permanent Resident Co-signer. Why do I need a U.S. or Permanent Resident Co- signer? CitiAssist Loans are credit based. Uses co-signer U.S. credit history to evaluate loan approval and interest rate. Co-signer agrees to repay the loan in the event the student does not.

18. CitiAssist – Graduate Loan Interest Rate As low as Prime minus 1.00% Rate varies from prime minus 1.00% to Prime + 0.50%. Rate based on credit evaluation and/or co-signer presence. Current lowest CitiAssist APR is 7.01%. As of 9/01/06 Prime is 8.25%. Interest rate adjusts quarterly. Loan Fees: None Annual Limits : Maximum: Cost of Attendance Minimum:None Aggregate Limits : $225,000 Deferment Eligibility: 4 Years in-school + 6 months grace Repayment Term: 15 years with a 20 year repayment option

19. CitiAssist – Graduate Loan Borrower Benefits: 0.50% interest rate reduction for 48 on time payments 0.25% interest rate reduction for auto debit Features: Apply for conditional loan approval prior to obtaining immigration documentation. (Documents must be received for final approval) Co-signer release option after 48 consecutive on-time payments. MPN – Eases subsequent loan application requests Paypal - payment process for international students 6 month grace period.

20. CitiAssist – Graduate Loan (How to Apply) Click on “CitiAssist Loan”

21. CitiAssist – Graduate Loan (How to Apply) Click on CitiAssist Link

22. CitiAssist – Graduate Loan (How to Apply)

24. User Name and Password

25. CitiAssist – Graduate Loan (How to Apply)

35. www.studentloan.com Co-signers click here

36. CitiAssist – Graduate Loan (How to Apply)

48. Next Steps: - Make a copy of the application for your records. - Mail Application and any Supporting Documentation CitiAssist Originations Department P.O. Box 6074 Sioux Falls, SD 57117-6074 -or- Fax Application to: 1-800-723-2777* *May still be required to provide supporting documentation for final CitiAssist approval. -

49. CitiAssist Global Loan for International Students Questions?

50. Thank you and best of luck!