This Document Preparation Service Agreement is entered on the date shown below between Student Debt Forgiveness Network Corp. (“Company” or “SDFNC” “we” or “us”) and the Client shown below (“Client” or “you”). The Company and the Client are hereinafter referred to as the “Parties” or individually as a “Party.” The Parties hereby agree to the terms and conditions of this Agreement on the date shown below.

RECITALS: The Company provides document preparation and support services to assist consumers who are applying for federal student loan consolidation programs using U.S. Department of Education (DOE) forms and regulations. The company is a private company and is not affiliated with any government agency. The Company is not a lender, a debt consolidation company, a debt relief company, a tax advisor, or a law firm and does not provide legal or tax advice. The Company does not provide any form of credit repair or credit score enhancement. For a fee, the Company will assist the Client in the preparation and submission of documents.

The Client requests the Company to perform, in good faith, the following services, (“the Services”): (a) Perform a review of the Client’s current student loan status and/or situation, (b) Analyze and review potential options that may be available to Client, (c) Inform the Client of potential options, and (d) After Client reviews and chooses among the options, prepare and process, on the Client’s behalf, appropriate application Documents.

Now therefore in consideration of the foregoing and every term, covenant and condition hereafter set forth, the Company and Client do hereby understand, covenant and agree to the following:

Provide Complete and Truthful Information: The Company will provide Client with options that may be available to them regarding federal student loan consolidation plans and the Company’s Services. The Client expressly represents and warrants that the Client will at all times, provide the Company with information that is complete, accurate and true to the best of their knowledge and belief.

Fees for Services: The payment for Company’s services relating to the student loan assistance applications, the preparation and delivery of the application to Client for review and approval and to DOE or its loan servicer on Client’s behalf, and ongoing support are described in the attached Fee and Service Schedule. Client should review the attached Fee and Service Schedule carefully as it sets forth one or more fees that the Client will be charged depending on the services that are selected. All fees are earned, due and payable pursuant to the attached Fee and Service Schedule. The fees shall be debited from Client’s bank account or charged on Client’s credit card pursuant to the attached authorization. Client shall be responsible for any third-party support fees or service fees, such as bank processing fees or third party account fees.

Process: Once payment has been received, the Company will submit the Client’s completed documents to the DOE or its loan servicer. The Company will always act promptly on Client’s documents and processing. Be advised that documents prepared by the Company may rely on the relevant agencies for prompt service and the Company cannot be held liable for delays by the loan servicers or the DOE. Most Student Loan Consolidation and repayment plan changes are completed within 90 days from the date when all necessary documents are submitted to the DOE or its loan servicers.

Student Loan Data System Access Permission: As part of the federal student loan assistance application process, it will be necessary for the Company to access your student loan information within the National Student Loan Data System located online at http://www.nslds.ed.gov. The National Student Loan Data System contains a complete list of your federal education loans, along with current estimated balances and servicer details. This information is required to complete your application. By enrolling in the Company’s Services, you are agreeing to allow Company and its authorized agents to access your profile and all the data contained within that profile. In order to allow this access, you may need to provide the Company with your FSA ID login credentials which recently replaced the 4 digit Fasfa pin number. Please note that all information that Company obtains from the National Student Loan Data System will be used solely for the purposes of confirming information and assisting in the preparation of Client’s application documents.

Indemnification and Hold Harmless: Client hereby agrees to defend and hold harmless the Company from and against any claims and liability of any nature whatsoever arising out of or in connection with Client’s failure to timely provide requested information to the Company or Client’s lack of authority or ability to complete terms of this Agreement, and all other claims arising out of this Agreement or relating to Client’s other financial obligations. This section shall survive any termination of this Agreement.

Disclaimer of Warranties and Limitation of Damages: The Company makes no warranty, express or implied, as to any recommendations it may make to Client arising out of this Agreement. This section shall survive any termination of this Agreement. The Company’s liability under this Agreement and/or relating directly or indirectly to the Services performed hereunder, under any theory of liability regarding any claim by the Client is limited to the amount of fees paid by Client and received by the Company. The parties agree to be contractually bound to such limitation on any damages and agree not to demand or attempt to recover any amount in excess of such. It is the express intent of the parties to be bound by these limitations and this section shall survive any termination. Important Limitation on Consumer

Rights Mandatory Arbitration Requirement – Please read carefully: Any controversy, claim or dispute between the parties arising out of or relating to this agreement or the breach, termination, enforcement, interpretation,  unconscionability or validity thereof, including any determination of the scope or applicability of this Agreement to arbitrate, shall be determined by arbitration in Suffolk County, NY or in the county in which the Client resides in accordance with the Laws of the state in which the Client resides. The parties agree that the arbitration shall be administered by the American Arbitration Association (“AAA”) pursuant to its rules and procedures and a single arbitrator shall be selected by the AAA. The arbitrator shall be neutral and independent and shall comply with the AAA code of ethics. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator’s award, the injured party may petition an appropriate court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person’s claims, and ma not otherwise, preside over any form of representative or class proceeding. The parties shall share the cost (not including attorneys’ fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator’s award, or fails to comply with the arbitrator’s award, the other party is entitled to costs of suit, including a reasonable attorney’s fee for having to compel arbitration or defend or enforce the award.

Information Authorization: Client hereby authorizes the Company to verify past and present employment earnings records, bank accounts, and any other asset balances that are needed to perform any Services under this Agreement. It is understood that a copy of this Agreement will also serve as authorization. The information the Company obtains will only be used in the preparation and processing of documents on behalf of Client in accordance with the terms of this Agreement.

Refund Policy: We strive to be the best legal document service available for DOE student loans consolidation and repayment options. If Company’s services under this Agreement do not result in Client receiving a Federal Student Loan Consolidation, or repayment plan using current loan servicers, through the United States Department of Education (DOE), Company will refund all payments made to Company under this Agreement, subject to the following conditions: (1) The student loans that Client presents to the Company are original debts, and have not been previously consolidated or had their terms or amounts previously adjusted, and have not been previously serviced or worked on by any other student loan consolidation assistance company; (2) Client fully cooperates, is honest and timely in providing all information requested by the Company and DOE; and (3) All refund requests must be made, in writing via email with the clients printed name and signature to the Company within 3-Business days. Subject to the above conditions, if a Client is not approved for a Federal Student Loan Consolidation or a repayment plan through the DOE or its loan servicers after reasonable efforts by the Parties, the Company will reimburse all fees paid to the Client to the Company. Since we are dedicating time and effort to your legal document preparation, our Refund Policy does not apply to changes to your situation or your state of mind. Unless this Agreement  is canceled pursuant to the Cancellation Policy below, or Client’s application prepared by Company is denied, subject to the conditions stated above, Client shall not be entitled to a refund after Client receives the document preparation Services from the Company and prior to approval from the DOE.

Subject to the above conditions, if a Client is not approved for a Federal Student Loan Consolidation or a repayment plan through the DOE or its loan servicers after reasonable efforts by the Parties, the Company will reimburse all fees paid to the Client from the Company. Since we are dedicating time and effort to your legal document preparation, our Refund Policy does not apply to changes to your situation or your state of mind. Unless this Agreement is canceled pursuant to the Cancellation Policy below, or the Client’s application prepared by Company is denied, subject to the conditions stated above, Client shall not be entitled to a refund after Client receives the document preparation Services from the Company and prior to approval from the DOE.

If you are not approved for a Federal Student Loan Consolidation or a repayment plan through the DOE or its loan servicers after reasonable efforts by the Company, simply email us to request a refund. All requests made under this Refund Policy must be made in writing and within 30 days of the denial of a consolidation or other repayment plan. We will process your request within five (5) business days after we have received your written request. Unfortunately, we cannot refund or credit any money paid to government entities, such as filing fees or taxes, or to other third parties with a role in processing your order. We also cannot refund any money paid by you directly to third parties, e.g., payments made by you directly to attorneys.

Cancellation Policy: The Company’s cancellation policy is designed to meet or exceed state law requirements for the Client’s protection and be easy to understand. If the Client is unhappy or dissatisfied at any time within 3 business days of entering this Agreement, then simply send an email to info@SDFN.US requesting to cancel the Agreement and be issued a refund. After the expiration of the 3-business day period, the Client shall not be entitled to a refund unless subject to the above Refund Policy.

Non-Lawyer Disclosure: The Company is not a law firm, and we cannot and will not act as your attorneys or provide any legal advice. Our document preparation service is not a substitute for the advice of an attorney. We can only provide assistance in preparing your student loan application documents at your precise direction. We do not review your information or application for legal sufficiency, draw legal conclusions, or apply the law to the facts of your particular situation. The Company’s website and our document preparation services are not a substitute for the advice of an attorney. If you need legal advice for your specific issue, or if your specific issue is complex, you should consult a licensed attorney in your area.

Important Disclosures: Please note that you can obtain student loan consolidation or other benefits directly from the U.S. Department of Education (studentaid.gov) or from your loan servicer(s) by yourself for no charge. You are not required to purchase or use our services, but many consumers find that paying for trained advice and assistance makes things more efficient. You may try to complete your applications and consolidate your loans yourself without paying anyone a fee. Your results could be the same or may vary. However, the Company’s Services are focused on obtaining the best results for each Client while reducing the stress and inefficiency you may experience in attempting to undertake this process on your own. We take the time to include all of your personal information and documents required for the consolidation process, backed by our Refund Policy. The Service Fee is similar to any other service a consumer may use, including tax preparation, selling real estate, or preparing a will. You could perform any of these services yourself; however, most consumers prefer to hire someone to assist them and so that the work can be done as efficiently as possible.

Authorization to Act on Client’s Behalf: This form will serve to acknowledge that the below Client has authorized the Company to act on their behalf. Meaning if we need to call your current lender because an issue arrived, we will contact the lender as a courtesy to you. If you have any questions regarding this Agreement, please contact the Company.

Entire Agreement: By virtue of Client’s signature below, Client acknowledges that he/she has read, understands and agrees to every term, covenant and condition of this Agreement and that he/she has received a true and complete copy hereof, effective on the date below. This Agreement is the only Agreement between the parties and there is no other collateral agreement (oral or written) between the parties in any manner relating to the subject matter of this Agreement. If any portion of this Agreement is held to be invalid or unenforceable, the remaining provisions will remain in effect. The parties mutually understand and agree that a facsimile copy signature or an electronic signature on this Agreement shall be deemed an original for all lawfully enforceable purposes.