Sallie Mae Private Loan Origination -- Design Thinking & Customer Journey Exercise by Pradyot Rai

Sallie Mae, Online Loan Application COnCept DOCuMent

Discovery

Sallie Mae, Online Loan Application

Version 1 published January 11, 2010

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI Contact (prai2@sapient.com)

Table of Contents Table of Contents Context of the Project

2 3

1.0 Research Stakeholder Interviews Persona 1 - Borrower Persona 2 - Borrower Persona 3 - Cosigner User Research Findings Best Practices

5 6 7 8 9 10

2.0 Concept Models Concept Model - Application Context Concept Model - Return Users Conceptual Model

12 13 14

3.0 user Scenarios Scenario 1: Borrower OLA experience 16 Scenario 2a - 1: Borrower adds a cosigner 17 Scenario 2a - 2: Borrower adds a cosigner 18 Scenario 2b: Cosigner completes the application 19 Scenario 3a: Cosigner initiated experience 20 Scenario 3b: Borrower completes the application 21 Scenario 4 - Combo 22

4.0 Wireframes Overview Step 1 - Borrower Step 2: Borrower Step 3 - Borrower Confirmation Screen Step 1 - Borrower + Cosigner Step 2: Borrower + Cosigner Step 3: Borrower + Cosigner

24 25 26 27 28 29 30 31

5.0 Visual Design Concept: “Make Yourself Comfortable” “Make Yourself Comfortable” Concept: “Crystal Clear” “Crystal Clear”

33 33 34 34

6.0 Appendix Screen 1 sequence of interactions “Add a Cosigner” reminder Authentication Interview Save the application Learn More Alternate Step 2 (references)

36 37 37 38 38 39

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Context of the Project Sallie Mae’s Student Loan Program has the opportunity to transform student lending. Sallie Mae offers a unique benefit for loan applicants – it gives cosigners the ability to initiate an online loan application. In addition to this key differentiator, Sallie Mae’s strength is its broad product range and positioning – which allow it to market the right private loan product to the borrower, while making sure that other funding sources (such as federal loans) have been tapped. These two benefits, when coupled with a worldclass online application, will fill a huge gap in the online loan application experience.

The design is also critical to supporting and maintaining Sallie Mae’s position in the marketplace. With the ability to integrate other financial services, such as U-promise, Sallie Mae will be in a unique place to win and retain its customers. Besides wining customers for student loans, the new online loan experience will open the opportunity to serve customers with more lifecycleoriented financial services. Successful execution of this project will also help Sallie Mae establish new ways of delivering online products, measuring user satisfaction, and transferring operational cost to higher value-added activities rather than acquisition.

Enhancing the role of the cosigner is the foremost goal of this redesign. More than 95% of loans require cosigners, and more than 67% of those cosigners are parents. An online application that allows cosigners to initiate the loan will significantly increase the application completion rate. Currently, only 19% of loan applications are completely funded, due to multiple breakage points in the system – one of them being the inability to easily incorporate a cosigner into the application process. Allowing the cosigner to initiate the application will improve the pull-through rate, because it will enable cosigners, most of whom are parents and often driving the application process, to take responsibility for completing the loan.

This document presents the conceptual model for the online loan application, also known as OLA. It presents a design system that is modular, flexible and is based on web 2.0 trends and technologies. It reduces the number of application steps to 4 (from 13). It also promises to deliver an improved user experience as well as a minimized time to complete the application that will be well below the industry average.

This application redesign has several other goals – including making the process easy, appealing, less-time consuming and educational to users. Currently, competitive and user research show that Sallie Mae’s online application experience is lacking when compared to industry and technology benchmarks. Sallie Mae’s application approaches users from a legal and compliance perspective rather than serving their needs. Furthermore, the application process is unwelcoming, in direct contrast to Sallie Mae’s brand positioning as a “cradle-to-cradle” investment partner.

This document is also organized to present Sapient’s unique design methodology, which focuses on research and leverages creativity to arrive at the solution. Despite an aggressive timeline, this project has incorporated stakeholder interviews, competitive analysis, and user research to develop a solution. This methodology, put forth in the resulting concept document, presents the design as an opportunity to not only deliver a great product experience, but to also align the organization for its successful adoption.

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Sallie Mae, Online Loan Application

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1.0 Research

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Stakeholder Interviews Stakeholder interviews are an important step in Sapient’s Discovery phase They help us understand the business goals, derive the design objectives and gather high level requirements from all parts of the organization They also help gain broadbased support and buy-in for the program, which eventually helps product adoption and lowers organizational resistence Sapient conducted stakeholder interviews early in the Discovery phase and posed key questions to multiple stakeholders across Sallie Mae

Who We Interviewed...

Business Goals “Be the bedrock for the future” Volume

• Minimize exceptions • Increase pull-through rate to 25 % • Minimize drop-off rates

Profitability

Quality

Expectations of the Future System... “Be the bedrock for the future”

“Puts us back in position in the market”

Integrated, Unified System

Customer Satisfaction

• Segment service level based on predictive modeling • Promote self-service • State of the art systems that are flexible and adaptive to product set growth • Deliver against brand promise • Communicate value proposition, benefits and rewards • Support optimization and cross / up selling opportunities

• Integrate the Borrower and Co-Signer process • Application, class systems, mainframe talk to each other so that data can be used by different departments • Put a structure in place that can be leveraged to build on top

Modeled Around the User

Cecelia Dwyer and team

Marketing & Sales

Brian Walsh and team

Credit Originations

Ken Olson and team

Loan Product Mgmt

Deborah Sather and team

Call Center

Troy Standish and team

Servicing

• Better Navigation

Patty Peterson and team

Collections

Dana Albertini and team

Bank

• Improve Combo flow, must recognize CoSigner initiated flow

Bridget McCabe and team

Legal & Compliance

Michelle Elkins and team

Loan Origination

Jonathan Ward

Web Channel

Eric Woodall

eCommerce

Charlie Rocha

Marketing & Sales

Timothy Hynes

Credit

How do you measure the sucess of those goals? How will redesign contribute to your goals? How will it impact your organization? Your personal objectives? Critical success factors? What Sallie Mae needs to do to be successful? and many more

• Minimize drop off rates Efficiency

• Reduce the process time • Reduce credit risk • Reduce exception

Brand

What are your top goals?

• Increase in web applications

• Maximize segmentation modeling, use trending

Heidi Banfer and team

What We Asked...

• Fewer customer phone calls

• Reduce the reputation/compliance risk

Stake

• Targeted messaging and presenting dynamic text/content • Render on any device from anywhere

Less Challenging Interface

• Positive customer feedback

• Make the system intelligent

Team

Renee Mang

Measure of success...

Cost

• Acquisition can drive down the cost and increase the volume • Reduced cost to originate the loan

• Fewer disclosures • Improved and unified Login functionality, Profile, Activity Center

User Experience Goals Ease of Use

Relationship Building

• Quick, simple, intuitive process with fewer steps • Educate, inform, help and guide the user along the way • Empower the user to make the right decision by selecting options based on their needs • Personalization • Prevent users from making mistakes

• Present the personal face of Sallie Mae to the user • Start the conversation

Customer Engagement Initiatives • Lifecycle approach to the customer base • Relationship-type pricing • Determine best option for the customer

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Persona 1 - Borrower Derrick Brown 21 years old, Male, Boston, MA

“I need the money to go to college now.”

Family

Parents are separated, he lives with his mother and older sister

Household Income

124 k+

Education Level

College

Technology Use

Uses his laptop for schoolwork as well as to keep up with friends on Facebook. Plays games online, watches videos on YouTube, buys items online, downloads music, uploads photos, and chats with friends online. Carries a mobile phone, listens to music on an iPod.

Interests

Plays soccer and basketball. Hooked on video games and Wii.

Goals

Would like to complete a Masters in Robotics

‘The Hasty Borrower’ – Prospective undergraduate student wanting to get a loan to complete college Derrick is a Senior in Mechanical Engineering, specializing in Robotics, at Boston University in Massachusetts He lives with his mother, a Nurse Practitioner, and his older sister, a High School Teacher His father runs a printing business in a neighboring town Derrick knows that his parents will help him with the loan application, and he wants to be done with it soon He knows little about the process The college event he attended with his mother provided some information His aunt recommended Sallie Mae to his mother and she decided to work with them since she knows them to be a safe and reputable organization Derrick knows his mother will research and complete everything about the loan herself – she always wants to make sure everything is right He hopes that it will be easy for her to follow and will provide all the information she needs so that he doesn’t have to go looking for it. They both would find it useful to see a breakdown of expected costs like the cost of living, boarding, etc , so they have a better idea of actual costs. In previous years they were surprised to find out how many additional expenses they did not factor into their planning

Behavior Web savvy. Possesses little financial experience and awareness Financially dependent Less prepared, conducted minimal research on the loan application process He likes there to be some user assistance, similar to the help he gets from Apple Tech Support At times, he prefers to call someone as he thinks the responses provided by a Chat session seem to be canned and pulled from a knowledge base – they lack the personal touch of talking to an actual person However, he thinks the Live Chat with a real person is cool

expectations Contemporary, easy to follow loan application process Does not want to be smothered with too much information and legalese. Since his mother fills out everything, he would like it to present enough explanation and instruction if she needs it at any point Likes the Apple website’s ease of use and interaction Would like to complete everything online quickly Does not want this to be time consuming, as he particularly dislikes numerous pages and steps

Objectives Would like the process to be as simple and fast as on the other sites where he spends his time He wants to be done with this process quickly

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Persona 2 - Borrower Philip Douglas 37 years old, Male, Chicago, IL

“This is an investment in my career; to work for me it must be at a good rate with flexible payment options.”

Family

Married with two six-year-old twin daughters

Occupation

Product Manager

Household Income

$101-124k

Education Level

College Graduate

Technology Use

Is an advanced computer user. Uses his laptop to check emails, pay bills, buy things from online stores, make travel reservations and network with professional associations, especially on LinkedIn. Carries a Blackberry to get in touch with family and people at work.

Interests

Mountaineering, rock climbing, and watching college basketball

Goals

Would like to complete a Masters degree in Cognitive Psychology to further his career goals

‘The Shopper Borrower’ – Returning graduate student Phillip works in a Telecom company; he loves his job and has been with the company for 8 years His wife Susan works part time on design assignments whenever an interesting opportunity comes her way Phillip thinks he is finally ready to start his Masters in Cognitive Psychology – something he has been putting off for a long time because of different commitments While he has been able to save money for an education, he is also responsible for a home mortgage and car loan His wife and he think it will be worth the time, effort and money to work on a Masters degree despite their already busy lives Phillip believes it will equip him to take on more challenging opportunities in the company and transition into an area of specialization that has always intrigued him Having been able to pay off his undergrad loans only two years ago, Phillip wants to get the best rate possible, as well as competitive payment options that can accommodate his obligations

Behavior Web savvy Believes in systematic planning of all key life initiatives. Acutely aware of financial obligations. Has been shopping around and researching loans with different vendors Wants to make a well-informed decision with a company that wins his confidence. May want to speak to an agent if he has any questions or wants confirmation during the application process.

expectations Best of breed delivery Sophisticated, intuitive, seamless, yet simple, minimalistic interface Would like a personalized, relevant experience Must be able to access enough information / assistance whenever needed to be empowered to make a decision and complete most of the process online

Objectives Wants a loan application process that is not time consuming and displays payment options and rates so that he knows what to expect

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Persona 3 - Cosigner Helen Jacobsen 56 years old, Female, Miami, FL

“I want to give my child a firstclass education. I need to work with trusted lender who understands my needs and helps me along the way.”

Family

Married with 30-year old and 21-year old daughters

Occupation

Non-profit business owner

Household Income

$ 100 – 124k

Education Level

College

Technology Use

Uses a desktop computer for business and personal use. Checks email, reads the newspaper online, pays bills, visits auction sites like eBay, makes travel reservations, visits school and non-profit websites, and chats with friends online. Has a mobile phone for business and personal use.

Interests

Likes coin collecting and gardening. Enjoys reading frequently and attending book reading clubs at the local library.

‘The Careful Co-Signer’ – Parent of a prospective college student Helen manages her own non-profit business. Her husband runs a restaurant Her oldest daughter, a 30-year old, is a psychologist and received several grants and scholarships to help pay her way through school In addition, Helen and her husband put down some money out of pocket to pay for her degree Their second daughter, a 21-year old, is a Senior in Biotechnology at the University of Florida, Gainesville She has received some scholarships as well; however, Helen and her husband will have to obtain some loans and pay some of the costs out of pocket to cover the full costs They expect their daughter to pay the rest when she graduates and is on her own feet They have both conducted some research on the internet as well as consulted with other friends who have taken out student loans for their children The right lender for her is someone who is trustworthy and an authoritative source of information that will educate her along the way

Behavior Moderate computer user Financially independent She understands this is a big financial obligation. Likes to be able to complete a task later if she needs to attend to something Always looks for a 1-800 number and a Help link, likes sites that have bigger text

expectations Must be an easy-to-use system that provides her a lot of handholding, easy-to-follow instructions, and reassurance that she is completing the task correctly Would like it to be similar to her experience talking to call center agents – conversational, interested in her needs and providing clear choices for her next action Must be secure as she is always concerned about safety and privacy online Must provide her clear directions instead of expecting her to figure out things on her own She wants to be educated about the whole process at the onset and along the way Would like to see a summarized explanation of the loan provided to her with a breakdown of details confirming her choices She would like to be told what to do next and be given hints, tips and advice on how to manage her loans

Objectives Wants the loan application process to be as simple and intuitive as possible Wants one that will provide her with enough information and assistance if she needs it

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User Research Findings Dates

January 5th & 6th 2010

Location

Newton, MA

Participants

10 respondents representing the ‘Borrowers’ and ‘Cosigners’ demographics within Sallie Mae’s student loan customer base

Technique

One hour long one–on–one interview sessions following the ‘Think Aloud’ protocol

Test subject

Lo-fidelity wireframes representing the new OLA redesign presented in the context of a number of screens of the existing OPENET application

Test setting

A room in the Upromise facilities in Newton, MA

Test procedure

The Moderator facilitated the session while users reviewed the OPENET Screens and OLA wireframes on a laptop The sessions were relayed though an Intercall web meeting

Administered by

Sapient and Upromise

Highlights 1 the overall response to the new OLA The wireframes tested for the redesign were well received and appeared to have a high level of customer satisfaction Some of the ways users described the new design were: “Pretty good, pretty thorough,” and “Lovely, very easy, asking me all the info that I would have on the top of my head” Users appreciated: The concise fields The order of information requested The simplified look, organization and brevity The prominent display of contact information

2 positive aspects of the new OLA experience Users reacted very positively to the new approach of the presentation of the task in the new design Some of their responses included: “Very nice summary of loan, I would like to see what happens if loan payments are missed” and “Presentation of info very good, pretty simple, nice, well-laid out” Users particularly liked:

Goals & Objectives Eliciting qualitative responses from current users on their impressions of the new OLA redesign concepts Their satisfaction levels were gauged and suggestions for improvement were gathered Gaining a better understanding of the users in terms of their goals, needs and expectations from Sallie Mae’s loan application offering Validating the OLA feature list based on the observed importance and prioritization of features and functionality by its existing users

Recommendations 4 Areas of improvement in the OLA design A reinforcement and clearer presentation of some elements of the design would help users find the experience more intuitive and provide the desired guidance Some of the users’ comments on ways to improve the design were: “Insert a headline for References with some descriptive text saying why the references are needed” Other design elements mentioned were: A status or progress bar Although customers liked the step-by-step approach, several mentioned wanting to have a graphic image as well to tell them where they were in the process The need for a clear presentation of instructional text, signposting and contextual help Customers did not notice the legal links for documents to be reviewed and signed in the right rail

5 users’ ideas for enhancements to OLA design Some thoughts users had on ways the application could be made better were:

The prominent placement of the live chat/call/email help options

A tabbed interface that would allow the user to switch back and forth without a page reload

The step-by-step approach, which made them feel like they knew where they stood in the process Softer colors, which were easier on the eye

Users indicated wanting “a more retail kind of experience…more welcoming, more give and take” – “Make it use-able not just do-able”

The simplicity

A dynamic balloon to provide more information

The summary page

3 Clarity is required on some elements of the OLA design At times, questions lingered in the users’ minds about details, product, completion and next steps Users said: “I am surprised that I didn’t see it [rate/terms] before the approval I would want to see it earlier before I decide to apply for the loan” and “I’d be overwhelmed again, feels too quick I don’t know if I’m even eligible. Why am I asked to give financial info, employment history, etc ” Some things that users were unsure of included: Which loan they were applying for How to find help (FAQs, definitions) on the page, which made them resort to clicking on the Live Chat and Call links in the right-hand column When they had submitted the application What the next steps were

Understand who and where the person is in the process and give that person the tools and information needed to manage the process smoothly and quickly Be a partner in the process, not just a “bank” Acknowledge what they’ve done and let them know how much more is in store Focus on up-front education regarding their needs and options balanced with respect for their time in order to build initial loyalty Make the application experience positive and supportive for the customer Address topics that need to be explained to users in the landing pages for the loan as well as on the application itself Don’t forget to make returning customers feel comfortable with the changes so they know they have returned to Sallie Mae

Future Test Focus Future testing involving newer versions of the prototype will consider: Users who have student loans with other lenders and users who abandoned Sallie Mae’s loan application process to understand if the new site design is likely to influence the current application, abandonment, and loan closing rates The Co-Discovery Method, a more qualitative way to capture a natural and realistic view of how Sallie Mae’s demographic – the Borrower and Cosigner – collaboratively respond to the OLA design The labeling, nomenclature and language of fields, instructional text, buttons and signposting as they play a vital role in directing and guiding the users through the tasks

Sallie Mae, Online Loan Application

Version 1 published January 11, 2010

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI Contact (prai2@sapient.com)

Best Practices Creating great user experiences requires bringing choices that serve both users and the business. With so many possibilities and so many great ideas out there, itâ&#x20AC;&#x2122;s an ongoing challenge to make the choices and decisions necessary to design a coherent product experience. The choices come from various sources -- established norms (best practices), parity with competition (or others out there), wish list or expectations of stakeholders and actual users (asneeded features and functionality), along with the intuition and knowledge of those who design it.

Design principles All the basic tenets of design that apply to the scope and context of this project are organized as design principles. These are the basic form of heuristics and assumptions that guide the design activities and judgments.

Design patterns Design patterns are online design trends among the competitors or the innovators from other industries. These patterns provide us a point of reference to meet and exceed our design goals compared to others in the industry.

Best practices Established norms and expertsâ&#x20AC;&#x2122; rules of thumb form the basis of best practices. These are the rules that over time have been proven important to help enhance the experience while making the system more efficient.

Feature list The feature list was gathered during our stakeholder interviews and competitive and industry research. This list presents some of the key features and functionality that will enhance the overall experience of the online application.

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2.0 Concept Models

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Concept Model - Application Context Online Application process (OLA) The Online Application Process is a free standing application used by multiple loan types The OLA process captures user information and completes the loan application in a simplified process

Direct

SallieMae.com

In general the OLA process assumes the following: •

Product selected

•

Web site terms and conditions accepted

•

Status of Borrower, Cosiigner or Combo established

3rd Party Site

Referral Sources: Referral sources include direct online/offline marketing campaigns, search engines, and 3rd parties (such as Schools, Lenders and Partners) The online application model caters to the needs of all sources

Pre-Filtering: T&C

Product Selection

User identification

The online application model assumes that before entry into the application, user identification, terms & conditions and product selection will take place However, OLA will take care of identifying the user (as a Borrower or Cosigner)

Online Loan Application: This is the key focus of our project

OLA Process

Activity Center: Activity Center

All loan applications including abandoned (not-completed) applications are pulled into the Activity Center

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Concept Model - Return Users The Online Application process includes the capability to recognize users that have previously entered application data but not completed the application

Direct

When a user enters his or her name and social security number, the system checks for a match If this user previously started an application, the user is offered the opportunity to complete the application

3rd Party Site

SallieMae.com

This process occurs when a user visits the OLA and has: •

Not logged in

•

Started but not finished (abandoned or registered user)

Logged

In?

unknown

OLA Page 1

Known

Recognize?

Verify

OLA Page 1

Unfilled

Filled OLA Page 2

OLA Page 2 Identifies users who

OLA Page 3

•

Abandoned applications

•

Are not logged in

OLA Page 3

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Conceptual Model STEP 1 : Basic Information • Borrower’s Information • Address Information • School Information

Enters Application

Schools

STEP 3 : Results

• Loan Amount • Employment Information • Financial Information

Digital Communication Consent

Borrower or Cosigner

Entry Points

STEP 2 : Loan Application

• Application Results • Additional Information • e-Signature

Disclosures & Consent

Product Selection

Search Engines SallieMae com Partners Other referral sites (e g simpletuition com)

Needs Calculation

Web site T&C Privacy Policy Cosigner Information

User identity Verified

Cost of Attendance

Confirmation & Next Steps

Sign-in Abandon task

Abandon task

Activity Center Start / Restart Application

Get back to the OLA

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3.0 User Scenarios

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Scenario 1: Borrower OLA experience School Information Website Terms & Cond Privacy paragraph

Borrower

Personal Info

Wants to go through the loan application by himself

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Basic Information

Loan Application

Need Help?

Results

Chat Now

Getting Started Permanent Address About Your School

Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Borrower

Cosigner

Throughout the application process, the borrower has multiple opportunities to add a cosigner to his loan application.

Getting Started

1-888-272-5543

First Name

Last Name

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

None

E-mail Address

E-mail us

Primary Phone

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

I prefer Sallie Mae to contact me via: Cell

___-___-____

Any - decide based on urgency

Other

Electronic Delivery Consent Disclosure Loan Application and Solicitation Disclosure

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

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For the purpose of win back, recognize returning customers, and consolidating existing record/applications

Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Please review the disclosures

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Website terms of use Privacy Policy

Loan Application and Solicitation Disclosure

Date of Birth

Citizenship

Address, etc

Call the agent

Electronic Communication & Consent - Loan Application and Solicitation Disclosure

System store this information

Results, Loan Rates & Est Costs Accept Loan terms

MM /

References

Electronic Communication Disclosure & Consent

YYYY

Sallie Mae and the Patriot Act

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

Social Security Number

XXX -

Confirm Social Security Number

XXXX

XXX -

XXXX

Permanent Address

CoNTINUe

Lender

Borrower Name

Sallie Mae Bank

Address line 1, City, State, ZIp code

Employment Info

State

Secondary Phone (Optional) Cell

___-___-____

Cell

___-___-____

Other

___-___-____

Cell Other

Month

Year(s) and

Month(s)

LEARN MORE

About Your School School

Search and locate your school

Degree/certificate of Study

Month

Cumulative GPA

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Total Loan Amount

Download

Interest Rate

00,000.00

The total amount that you are borrowing

Finance Charge

00.00%

000.00

Your current interest rate

The estimated dollar amount the credit will cost you

00,000.00

Loan Application and Solicitation Disclosure

The estimated amount you will have paid when you have made all the payments

Electronic Communication Disclosure & Consent Borrower Self Certiﬁcation

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Loan Approval Disclosure

LEARN MORE

Reference 1

e-Signature

Reference 2

First Name

Last Name

First Name

Primary Phone

Last Name

Primary Phone

___-___-____

Relationship to Borrower (Optional)

Street Address Line 1 (Optional)

State (Optional)

Zip Code (Optional)

City (Optional)

State (Optional)

Zip Code (Optional)

Enrolment Status

Academic period for the loan

Month

Year

Month

Year

LEARN MORE

Electronic Signature

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Sallie Mae and the Patriot Act

To be reviewed & signed

Promissory Note

City (Optional)

From

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use

Total of Payments

Additional Information

CoNTINUe

Year

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

Please review the disclosures

Loan Rates & Estimated Total Costs

Add a Cosigner

Continue

By selecting "Submit Electronic Signature" below, I am: - Signing the Smart Option Student Loan Promissory Note and Self Certiﬁcation Document, I am certifying that I have read, understand, and agree to the terms and conditions of the Smart Option Student Loan Promissory Note materials.

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- Your Smart Option Loan

First Name

Joshua

Nobis et autetur? Ucil illesti untur? Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, aligeni assitissum quam quam harias maxim is doluptati voluptatus alignat. Natemporerum inulparum unt ad maionse reius doluptaquis modi omnis volore ius utetur? Ut vendunt fuga. Itatiaercia

Last Name

Suffix (Optional)

Smith

None

Date

01 / 06 / 2010

Basic Information

Getting Started Permanent Address About Your School

Application Information

Signature & Closing

Need Help? Chat Now

Loan Amount Employment Information Financial Information

Nuestras operadoras estan para ayudarles en vivo y al momento.

Wisconsin Residents: que net invent alicimporiam volorib usciatessunt quatusam harciis cilibercias resequo magnam volenitate vellorpost harum aut ofﬁcil mos dest optat ea int omni deliqui volore veriae porro vidit et quaepta con corenda ipienet erehend ictusciis mi, il ex esed quidus experumquam ella ipsunto velicides am aut venis venimolori dolorum que ne inis as voluptae nem nos sequati atatianderum con ne et qui anda preptas autatius se sam, inturem poruptate erionse custrunt am ut experit iumquiat autatur?

Click to chat

Borrower

Cosigner

All the agents are currently busy. Average waiting time is 3:45 min.

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur? Cost of Attendance

0,000,000.00

Check the cost of attendance - Is ma volorehende doleseribus et lam unt. Suntem adi none eicillam, siminimus.

Estimated Financial Assistance

0,000,000.00

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Difference

0,000,000.00

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Loan Amount Requested Loan Amount

Your relationship to the Student

0,000,000.00

E-mail us Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Add a Cosigner

I am the Student

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LEARN MORE

Extension (Optional)

_____

LEARN MORE

Primary source of Income

Gross Income (Per Year)

$ Gross Income (Per Year)

Additional source of Income

Please select one

Sallie Mae and the Patriot Act

Borrower When the borrower has received the results of his application and has e-Signed it, he is recommended to create an account and go to the Activity Center.

1 Basic Information Loan Application Conﬁ rmation and Next2 Steps

Getting Started

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Activity Center

The borrower also has the option of having some of or all the documents e-mailed to him. He can also print the documents for his records.

Please select one

Borrower Name

Please select one

Click to chat

Call the agent 1-888-272-5543 All the agents are currently busy. Average waiting time is 3:45 min.

LEARN MORE

Either one of us will call you or send you e-mail reply, depending on your case. Either way, kindly allow us 24 hours.

What's next?

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mode-mail quo exped praesequidusI mos si volupta No, I will provide my cosigner with the information to come back and finish the application. Please, me quia the information tibuste sequibusam aut doluptatus, cum to provide myillesti cosigner. Nobisneed et autetur? Ucil untur? Oloraerum qui ut im audit omnihic test 1. Laut volum et mil il et endi sum qui de ofﬁcae nulparuntias por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, mo dis cum quis enturionsed magnat esto te sit perum aligeni assitissum quam quam harias maxim is doluptati voluptatus alignat. quibus ex et ius mi, nobisquodit, quia venitio. 2. Et parum aut ius idendi quod mod ut laut quidisciae Natemporerum inulparum unt ad maionse reius doluptaquis modi omnis nonseque esseremporis cus vent ea volorem et quid que volore ius utetur? Ut vendunt fuga. Itatiaercia aboribusam rectuscia dolor 3. Corrum quis et vendania aut autem voluptas volorectiam eaquass itatior eperibus magnam reheni rem fuga. Sus. sumquiae arum litat.

Add a and Cosigner Your Disclosures Documents It helps improve your chances to get a

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Create Your Account

Website termsthe of use Please review disclosures

Create a password. This information is needed to find your application. Tem fugiatempori nos dolorestint laudae des enis doluta nossitia net verume liquo illaces simolest, excernatem fugia voluptam a que officiae exceperio ea cum faceper epraerf erepudae plitian iatur, omnit, nem in natecto blab illa doloribus.

Loan Rates & Estimated Total Costs Provide an e-mail address and create a password. This information is needed to find your application later on. Total Loan Amount

E-mail Address: $ 00 Create Password: password The total amount that you

00,000.

Interest Rate

00.00% Your current interest rate

Finance Charge

000.

$ 00 Conﬁ rm Password: password The estimated dollar amount the credit will cost you

Download

Total of Payments

00,000.00

The estimated amount you will have paid when you have made all the payments

Privacy Policy Electronic Communication Disclosure & Consent Loan Application and Solicitation Disclosure Borrower Self Certiﬁcation Electronic Communication Disclosure Mae and the Patriot Act &Sallie Consent

Promissory Note Sallie Mae and the Patriot Act e-Signature

Agnihil inullan delloribusci tenimax imintiis enis E-mail Me Selected Printnon Selected aut maximinis minci sequi ullanda exerspe ratibus, nus.

I Accept the Terms of the Loan

Loan Approval Disclosure Promissory Note

Back

Submit Application

Loan Application and Solicitation Disclosure Website terms of use

To be reviewed & signed

• Tem fugiatempori nos dolorestint laudae terms of the net loanverume in the Loan Disclosure •I have Desread enisthe doluta nossitia liquo Approval illaces simolest, excernatem •Vendunt Fugiafuga. voluptam a queaboribusam officiae exceperio ea dolor cum faceper epraerf Itatiaercia rectuscia sumquiae arum litat. • Erepudae plitian iatur, omnit, nem in natecto blab illa doloribus.

By clicking the SUBMIT APPLICATION button, I certify that the information on this application is true and complete to the best of my knowledge. I understand and agree that you will obtain a copy of a consumer credit report in connection with this application. If I do not qualify for a loan under this program, I authorize you to use the information on my credit report to determine my eligibility for one or more other loan programs. If I ask, I will be informed of the name and address of the agency that furnished the report. I also authorize you to release the information contained in this request and my credit eligibility results to the school.

Agnihil inullan delloribusci tenimax imintiis enis Privacy Policy aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Loan Approval Disclosure Borrower Self Certiﬁcation

Accept LoanActivity TermsCenter Go To Your Loan Approval Disclosure - Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, Reasons why youquam should go toharias Your Activity Center: aligeni assitissum quam maxim is doluptati voluptatus alignat.

E-mail us

Yes, please send my cosigner an e-mail with instructions on how to finish the application.

Congratulations! Your loan request has been conditionally approved Use the following e-mail address: JohnSmith@Domain.com

Only the Borrower can/should be submitting the application for the credit pull.

Save

Nuestras operadoras estan para ayudarles en vivo y al momento.

Address line 1, City, State, ZIp code

Application Should WeResults Contact Your Cosigner?

are borrowing

Monthly Mortgage /Rent Amount

Chat Now

Sallie Mae Bank

NextAddress Stepsline 1, City, State, ZIp code 1

Gross Income (Per Year)

Residence Type

Need Help?

Results Application Results Additional Information

About Your School Financial Information You have successfully completed your SallieMae Smart Option Loan, uid ut maxima quatet re venis ditiaE-Signature a sitas sit reribus, quis ni sit, explatu reiusantur abore explignatqui de nulparchil inci tem fugiatempori nos dolorestint laudae des enis doluta nossitia net verume liquo illaces simolest, excernatem fugia voluptam a que officiae exceperio ea cum faceper epraerf erepudae plitian iatur, omnit, nem in natecto blab illaBorrower doloribus. Lender

3 Ownership of Accounts

Loan Amount Employment Information

Permanent Address Congratulations!!!

Month(s)

Financial Information

Please select one

Electronic Communication Disclosure & Consent

Congratulations Next Steps - Create account - Activity Center CoNTINUe

Length of Time at Current Employer

Month

Year(s) and

- Your Smart Option Loan

Please review the disclosures

Current Employer Name

___-___-____

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It helps improve your chances to get a loan as well as lower your rate!

Website terms of use

Back

Submit Electronic Signature & Continue

1-888-272-5543

Borrower Self Certiﬁcation

Year

Save

Back

Call the agent

Loan Amount

on a scale of

Political Sciences

Total Household Income

Auth. Interview Needed?

Either one of us will call you or send you e-mail reply, depending on your case. Either way, kindly allow us 24 hours.

Scale

Employed

Borrower credit pulled

1. 2.

Relationship to Borrower (Optional)

Anticipated Graduation / Completion

Freshman

Course of Study

E-mail us

What's next?

Natemporerum inulparum unt ad maionse reius doluptaquis modi omnis volore ius utetur? Ut vendunt fuga. Itatiaercia aboribusam rectuscia dolor sumquiae arum litat.

Grade Level

Undergraduate Degree

Work Phone Number

All the agents are currently busy. Average waiting time is 3:45 min.

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

e-Signature

My Permanent Address is different from my Current Mailing Address

Please select one

CoNTINUe

1-888-272-5543

LEARN MORE

Congratulations! Your loan request has been conditionally approved

e-Signature - First name - Last name - Date

Additional Phone (Optional)

Occupation

Financial Info

Call the agent

Vendunt fuga. Itatiaercia aboribusam rectuscia dolor sumquiae arum litat.

Select State Primary Phone

Employment Status

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Nuestras operadoras estan para ayudarles en vivo y al momento.

I have read the terms of the loan in the Loan Approval Disclosure

Zip Code

Employment Information

Chat Now

Application Results

Caution - untur? Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, aligeni assitissum quam quam harias maxim

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

Application Results Additional Information E-Signature

Click to chat

Need Help?

Results

Loan Amount Employment Information Financial Information

I Accept the Terms of the Loan City

*** School and State pre-pop Degree/Certificate of study Year in School Anticipated Graduation Course of Study Cumulative GPA Academic Period for Loan Enrolment Status

Self Certification - Cost of attendance - Est. financial assist. - Difference Total requested loan amount (Pre-filled from “difference”)

Loan Application

Borrower

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Street Address Line 2 (Optional)

Potentially: - Previous Address - Current Mailing Address

Basic Information Getting Started Permanent Address About Your School

We will save this form for you to come back and complete later. We will also send you an email with the path to return. QuiassumIn rernat. Acerum volutemquia intium rent...

Loan Details

“Add Cosigner” option taken?

Loan Approval Disclosure - Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, aligeni assitissum quam quam harias maxim is doluptati voluptatus alignat.

Save

“Add Cosigner” option taken?

Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Street Address Line 1

Year

School & Enrollment Info

References - Name - Primary Phone - Relationship to borrower - Address (Street, city, state, zip)

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • Borrower Self Certification • SM and the Patriot Act • Loan Approval Disclosure • Promissory Note • e-Signature

Accept Loan Terms

Length of Time at this Address

When the borrower clicks on the Continue button, he is asked whether or not he would like to add a cosigner to his application.

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

Additional Information Reference 1

Go To Salliemae.com

Reference 2

Go To Your Activity Center LEARN MORE

e-Signature

Sallie Mae, Online Loan Application

17 of 22

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Scenario 2a - 1: Borrower adds a cosigner School Information Website Terms & Cond Privacy paragraph

Borrower The borrower at first wants to go through the application by himself, but then decides to add a cosigner.

Personal Info

System store this information

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Loan Details

For the purpose of win back, recognize returning customers, and consolidating existing record/applications

Employment Info *** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

Address, etc

School & Enrollment Info CoNTINUe

“Add Cosigner” option taken?

Borrower The borrower can enter as much information as they can for their cosigner. They can also enter a minimum of information which will be Lead information (First and Last name, Permanent address, Phone number, E-mail address

Financial Info

*** School and State pre-pop Degree/Certificate of study Year in School Anticipated Graduation Course of Study Cumulative GPA Academic Period for Loan Enrolment Status

CoNTINUe

Address, etc CoNTINUe

References - Name - Primary Phone - Relationship to borrower - Address (Street, city, state, zip)

e-Signature - First name - Last name - Date

Borrower e-Signature

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

“Add Cosigner” option taken?

Borrower The borrower can enter as much information as they can for their cosigner. They can also enter no information at all

Cosigner Employment Info

Cosigner Financial Info

CoNTINUe

Potentially: - Previous Address - Current Mailing Address

CoNTINUe

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

For the purpose of win back, recognize returning customers, and consolidating existing record/applications

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

Results, Loan Rates & Est Costs Accept Loan terms

References

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

System store this information

Since this is now a borrower/cosigner application, the result of the application will be Pending until the Cosigner finished his part of the application

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

Borrower credit pulled

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

Borrower - Pending

Auth. Interview Needed?

Cosigner Personal Info

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Potentially: - Previous Address - Current Mailing Address

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Self Certification - Cost of attendance - Est. financial assist. - Difference Total requested loan amount (Pre-filled from “difference”)

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Check whether the user is the cosigner. If the user is the cosigner, then pull credit

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Congratulations Next Steps - Send Cosigner notice - Create account - Activity Center CoNTINUe

Activity Center

In addition to creating an account and going to the Activity center, the borrower is asked whether or not he wants SM to contact his cosigner about finishing his part of the loan

Sallie Mae, Online Loan Application

18 of 22

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Scenario 2a - 2: Borrower adds a cosigner School Information Website Terms & Cond Privacy paragraph

Borrower The borrower at first wants to go through the application by himself, but then he decides that he wants to add a cosigner.

Personal Info

System store this information

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

For the purpose of win back, recognize returning customers, and consolidating existing record/applications

Loan Details The light box with the Cosigner screens appear in front of the borrower’s existing screens and then put the borrower back into the flow where he left off

Employment Info

Address, etc

School & Enrollment Info CoNTINUe

“Add Cosigner” option taken?

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

Self Certification - Cost of attendance - Est. financial assist. - Difference Total requested loan amount (Pre-filled from “difference”)

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

Borrower - Pending Results, Loan Rates & Est Costs Accept Loan terms

References

NeXT NeXT

Potentially: - Previous Address - Current Mailing Address

Financial Info

*** School and State pre-pop “Add Degree/Certificate of study Cosigner” Year in School option Anticipated Graduation taken? Course of Study Cumulative GPA Academic Period for Loan Enrolment Status

CoNTINUe

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

References - Name - Primary Phone - Relationship to borrower - Address (Street, city, state, zip)

e-Signature - First name - Last name - Date

Borrower e-Signature CoNTINUe

Borrower credit pulled

Auth. Interview Needed?

Y “Add Cosigner” option taken?

LIghT BoX

Cosigner Personal Info

System store this information

For the purpose of winback, recognize returning customers, and consolidating existing record/applications

Congratulations Next Steps - Send Cosigner notice - Create account - Activity Center CoNTINUe

Activity Center Address, etc CoNTINUe

In addition to creating an account and going to the Activity center, the borrower is asked whether or not he wants SM to contact his cosigner about finishing his part of the loan

Sallie Mae, Online Loan Application

19 of 22

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Scenario 2b: Cosigner completes the application School Information Website Terms & Cond Privacy paragraph

Cosigner Personal Info

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

CosIgNer

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Results, Loan Rates & Est Costs Accept Loan terms

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

The cosigner is invited to come complete his part of the application. The information input by the borrower will be pre-filled. The cosigner has the opportunity to review the information and change it as needed.

Cosigner e-Signature

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

CoNTINUe

Address, etc CoNTINUe

Cosigner Employment Info

Potentially: - Previous Address - Current Mailing Address

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

Cosigner Financial Info

CoNTINUe

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Cosigner credit pulled

Auth. Interview Needed?

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Congratulations Next Steps - Create account - Activity Center CoNTINUe

Activity Center

e-Signature - First name - Last name - Date

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • Borrower Self Certification • SM and the Patriot Act • Loan Approval Disclosure • Promissory Note • e-Signature

Sallie Mae, Online Loan Application

20 of 22

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Scenario 3a: Cosigner initiated experience School Information Website Terms & Cond Privacy paragraph

Borrower Personal Info

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

CosIgNer Wants to start the loan application for his borrower

System store this information

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Borrower Loan Details

For the purpose of win back, recognize returning customers, and consolidating existing record/applications

Cosigner enters as much of the application as he can

Borrower Address, etc

School & Enrollment Info CoNTINUe

Borrower Employment Info

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

Self Certification - Cost of attendance - Est. financial assist. - Difference Total requested loan amount (Pre-filled from “difference”)

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

Cosigner - Pending The results are going to be Pending until the borrower finishes his part of the application

Results, Loan Rates & Est Costs Accept Loan terms

Cosigner e-Signature

CoNTINUe

Borrower Financial Info

*** School and State pre-pop Degree/Certificate of study Year in School Anticipated Graduation Course of Study Cumulative GPA Academic Period for Loan Enrolment Status

CoNTINUe

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Congratulations Next Steps - Send Borrower notice - Create account - Activity Center

Check wether the user is the borrower or not. If he is the borrower, then the borrower’s credit is pulled, if not, the application proceeds to the cosigner information

CoNTINUe

Cosigner Personal Info

System store this information

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Cosigner Employment Info

Cosigner Address CoNTINUe

Potentially: - Previous Address - Current Mailing Address

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

For the purpose of win back, recognize returning customers, and consolidating existing record/applications

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

e-Signature - First name - Last name - Date

Potentially: - Previous Address - Current Mailing Address

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

Cosigner Financial Info

CoNTINUe

Auth. Interview Needed?

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Y Cosigner credit pulled

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Activity Center

In addition to creating an account and going to the Activity center, the cosigner is asked whether or not he wants SM to contact his borrower about finishing his part of the application

Sallie Mae, Online Loan Application

21 of 22

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Scenario 3b: Borrower completes the application School Information Website Terms & Cond Privacy Policy

Borrower Personal Info

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Borrower The borrower is invited to come complete his part of the application. The information input by the cosigner will be pre-filled. The borrower has the opportunity to review the information and change it as needed.

Borrower Address, etc

School & Enrollment Info CoNTINUe

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Borrower Loan Details

Borrower Employment Info

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Results, Loan Rates & Est Costs Accept Loan terms

References

Borrower Financial Info

CoNTINUe

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Borrower credit pulled

Auth. Interview Needed?

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

Potentially: - Previous Address - Current Mailing Address

*** School and State pre-pop Degree/Certificate of study Year in School Anticipated Graduation Course of Study Cumulative GPA Academic Period for Loan Enrolment Status

Self Certification - Cost of attendance - Est. financial assist. - Difference Total requested loan amount (Pre-filled from “difference”)

References - Name - Primary Phone - Relationship to borrower - Address (Street, city, state, zip)

e-Signature - First name - Last name - Date

Borrower e-Signature CoNTINUe

Congratulations Next Steps - Create account - Activity Center CoNTINUe

Activity Center

Cosigner gets notified that since the borrower has been approved, he has been approved as well

Sallie Mae, Online Loan Application

22 of 22

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Scenario 4: Combo School Information Website Terms & Cond Privacy paragraph

Borrower Personal Info

Borrower & CosIgNer System store this information

The borrower and the cosigner go through the flow at the same time.

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Borrower Loan Details

For the purpose of win back, recognize returning customers, and consolidating existing record/applications

Borrower Address, etc

School & Enrollment Info CoNTINUe

Enter Cosigner info or continue with Borrower?

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Borrower Employment Info

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

Self Certification - Cost of attendance - Est. financial assist. - Difference Total requested loan amount (Pre-filled from “difference”)

Right Column • Add a cosigner • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

Borrower Financial Info

*** School and State pre-pop Degree/Certificate of study Year in School Anticipated Graduation Course of Study Cumulative GPA Academic Period for Loan Enrolment Status

CoNTINUe

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Cosigner Info

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

References - Name - Primary Phone - Relationship to borrower - Address (Street, city, state, zip)

Borrower e-Signature CoNTINUe

Y Cosigner

Cosigner Personal Info

System store this information

Name (First, MI, Last, Suffix) E-mail Primary phone # Citizenship DOB SSN, Verify SSN

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Cosigner Employment Info

For the purpose of win back, recognize returning customers, and consolidating existing record/applications

Cosigner Financial Info

CoNTINUe

Cosigner Address CoNTINUe

Potentially: - Previous Address - Current Mailing Address

Employment status Employer name Occupation Work phone #, Extension Length of time at employer

*** Primary Phone pre-pop Street, City, State, Zip Primary, Secondary Phone Length of time at address

e-Signature - First name - Last name - Date

Borrower credit pulled

Auth. Interview Needed?

Results, Loan Rates & Est Costs Accept Loan terms

References

Potentially: - Previous Address - Current Mailing Address

Borrower

Primary income Additional income (+ Source) Additional household income (+ Source) Other assets (Ownership of accounts) Residence type Monthly housing payments

Right Column • Website Terms of Use • Privacy Policy • Electronic Communication Consent • Loan Application and Solicitation Disclosure • SM and the Patriot Act

Results, Loan Rates & Est Costs Accept Loan terms

Loan Results Loan Rates & Estimated Total Costs Accept Loan Terms

Cosigner e-Signature

e-Signature - First name - Last name - Date

CoNTINUe

Cosigner credit pulled

Auth. Interview Needed?

Congratulations Next Steps - Create account (Borrower) - Create account (Cosigner) - Activity Center CoNTINUe

Borrower Activity Center

Sallie Mae, Online Loan Application

Version 1 published January 11, 2010

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI Contact (prai2@sapient.com)

4.0 Wireframes

23 of 31

Sallie Mae, Online Loan Application

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Overview Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Notes

ID A

A 1

Basic Information

Loan Application

Need Help?

Results

t 1SPHSFTT 4UBUVT CBS t &BDI TUFQ GPS FBDI QBHF JT PVUMJOFE UP MFU UIF VTFS LOPX XIFSF UIFZ BSF JO UIF QSPDFTT BOE XIBU JT MFGU UP DPNQMFUF t &BDI QBHF QSPWJEFT UIF MJTU PG TVC TUFQT t "T UIF VTFS DPNQMFUFT FBDI NPEVMFT UIF MJTU JUFNT BSF DIFDLFE

t -FBE JOGPSNBUJPO DPMMFDUFE GPS UIF #PSSPXFS

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t "T UIF VTFS QSPHSFTTFT UISPVHI UIF BQQMJDBUJPO UIF EPDVNFOUT UIBU BSF WJFXFE BOE PS CZQBTTFE BQQFBS JO UIJT DPMVNO t "T UIF EPDVNFOUT BSF WJFXFE B DIFDL NBSL JT EJTQMBZFE OFYU UP UIFN t "U UIF FOE PG UIF BQQMJDBUJPO QSPDFTT UIF VTFS XJMM CF HJWFO UIF PQUJPO UP IBWF TPNF PS BMM PG UIF EPDVNFOUT F NBJMFE UP IJN IFS )F TIF XJMM BMTP CF BCMF UP QSJOU TPNF PS BMM PG UIF EPDVNFOUT

Chat Now

Getting Started Permanent Address About Your School

Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Borrower

Cosigner

Call the agent

B Getting Started

1-888-272-5543

First Name

Last Name

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

None

E-mail Address

Primary Phone

E-mail us Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

I prefer Sallie Mae to contact me via: Cell

___-___-____

Other

Any - decide based on urgency

Electronic Communication & Consent - Loan Application and Solicitation Disclosure Electronic Delivery Consent Disclosure Loan Application and Solicitation Disclosure

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Please review the disclosures Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use Privacy Policy

Citizenship

Loan Application and Solicitation Disclosure

Date of Birth

MM /

Electronic Communication Disclosure & Consent

YYYY

Sallie Mae and the Patriot Act Social Security Number

XXX -

Confirm Social Security Number

XXXX

XXX -

Annotations

XXXX

Permanent Address Street Address Line 1 QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

Street Address Line 2 (Optional)

City

State

Notes From Usability Test

Zip Code

Select State Primary Phone

Secondary Phone (Optional) Cell

___-___-____

Other

Additional Phone (Optional) Cell

___-___-____

Other

___-___-____

Cell Other

Length of Time at this Address

Year

Year(s) and

Month

Month(s)

My Permanent Address is different from my Current Mailing Address

LEARN MORE

About Your School School

Search and locate your school Degree/certificate of Study

Grade Level

Undergraduate Degree

Anticipated Graduation / Completion

Freshman

Course of Study

Month

Cumulative GPA

Scale on a scale of

Political Sciences

Enrolment Status

Academic period for the loan

From

Month

Year

Month

Year

Save

Add a Cosigner

We will save this form for you to come back and complete later. We will also send you an email with the path to return. QuiassumIn rernat. Acerum volutemquia intium rent...

Continue

Annotations t i* XPVME MJLF UP TFF CFGPSF XF HFU TUBSUFE IFSF T UIF GFX UIJOHT UIBU T <TJD> HPJOH UP IBQQFO " GFX QPJOUT TP * LOPX XIBU UP FYQFDUw DVSSFOU BQQ

t i* GFFM BU UIJT QPJOU MJLF * BN B IBNTUFS PO B XIFFM * GFFM MJLF * BN HJWJOH NPSF BOE NPSF JOGPSNBUJPO BOE OPU HFUUJOH BOZUIJOH CBDL GSPN UIF TJUF * EP OPU MJLF UIBUw DVSSFOU BQQ

t i* XPVME FYQFDU UIFN UP TBZ iZPV BSF BQQMZJOH GPS 9 LJOE PG MPBO GPS NPSF JOGPSNBUJPO DMJDL IFSFw

24 of 31

Sallie Mae, Online Loan Application

25 of 31

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Step 1: Borrower Lorum Ipsum | Ehenditas | Veniminis non pore

Notes

- Your Smart Option Loan

Basic Information

Loan Application

Need Help?

Results

Chat Now

Getting Started Permanent Address About Your School

Nuestras operadoras estan para ayudarles en vivo y al momento.

Annotations

t 5IF VTFS DBO BEE UIF DPTJHOFS JOGPSNBUJPO BU BOZ UJNF

t t t t

t 5IF &MFDUSPOJD $PNNVOJDBUJPO TFDUJPO JT TIPXO XIFO UIF VTFS TUBSUT FOUFSJOH IJT IFS F NBJM BEESFTT

t 5IFTF EPDVNFOUT DBOOPU CF CZQBTTFE t 5IFZ BSF EJTQMBZFE BOE BDDFQUFE JO B MJHIU CPY UIBU CSJOHT UIF VTFS CBDL XIFO รถOJTIFE

t 5IF UFYU CPYFT BSF EJTBCMFE VOUJM UIF VTFS BDDFQUT UIF &MFDUSPOJD %FMJWFSZ $POTFOU EJTDMPTVSF

t $POUFYUVBM IFMQ QBSUJDVMBS UP UIF รถFME OFYU UP XIJDI JU JT MPDBUFE

t 5IF 4PDJBM 4FDVSJUZ TFDUJPO JT EJTQMBZFE XIFO UIF VTFS TFMFDUT BO PQUJPO JO UIF $JUJ[FOTIJQ ESPQ EPXO

t 5IF 1SJNBSZ 1IPOF JOGPSNBUJPO XJMM CF QSF QPQVMBUFE XJUI UIF JOGPSNBUJPO QSFWJPVTMZ FOUFSFE JO UIF i(FUUJOH 4UBSUFEw NPEVMF

t 8IFO UIF MFOHUI PG UJNF BU UIF 1FSNBOFOU "EESFTT JT MFTT UIBO POF ZFBS UIF VTFS XJMM CF BTLFE GPS UIFJS 1SFWJPVT "EESFTT

t *G UIF VTFS T 1FSNBOFOU "EESFTT JT EJรฒFSFOU GSPN UIFJS $VSSFOU .BJMJOH BEESFTT UIF VTFS XJMM CF BTLFE GPS UIFJS $VSSFOU .BJMJOH "EESFTT

t 5IF TDIPPM JOGPSNBUJPO XJMM CF QSF QPQVMBUFE JG JU JT LOPXO JO BEWBODF

t *G UIF VTFS TBWFT UIF BQQMJDBUJPO IF XJMM CF QSPWJEFE IJT F NBJM BEESFTT BT IJT *% BOE BTLFE UP DSFBUF B QBTTXPSE TP UIBU IF NBZ CF BCMF UP DPNQMFUF IJT BQQMJDBUJPO BU B MBUFS UJNF

t 8IFO UIF VTFS DMJDLT i$POUJOVF w IF XJMM CF BTLFE JG IF XBOUT UP BEE B DPTJHOFS *G ZFT UIFO IF XJMM CF UBLFO UP UIF $PTJHOFS UBC *G UIF VTFS EPFT OPU XBOU UP BEE B DPTJHOFS UIFO IF XJMM CF UBLFO UP UIF OE QBHF PG UIF BQQMJDBUJPO

Click to chat

Borrower

Cosigner

Call the agent

Getting Started

1-888-272-5543

First Name

Last Name

Suffix (Optional)

All the agents are currently busy. Average waiting time is 3:45 min.

None

E-mail Address

Primary Phone

___-___-____

E-mail us Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

I prefer Sallie Mae to contact me via: Cell Other

Any - decide based on urgency

Electronic Communication & Consent - Loan Application and Solicitation Disclosure

It helps improve your chances to get a loan as well as lower your rate!

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

Electronic Delivery Consent Disclosure Loan Application and Solicitation Disclosure

Add a Cosigner

Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Please review the disclosures

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Website terms of use Privacy Policy

Citizenship

Loan Application and Solicitation Disclosure

Date of Birth

MM /

Electronic Communication Disclosure & Consent

YYYY

Sallie Mae and the Patriot Act Social Security Number

XXX -

Confirm Social Security Number

XXXX

XXX -

XXXX

Permanent Address Street Address Line 1 QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

Street Address Line 2 (Optional)

City

State

Zip Code

Select State Primary Phone

Secondary Phone (Optional) Cell

___-___-____

Other

Additional Phone (Optional) Cell

___-___-____

Other

___-___-____

Cell Other

Length of Time at this Address

I J

Year

Year(s) and

Month

Month(s)

My Permanent Address is different from my Current Mailing Address

LEARN MORE

K About Your School School

Search and locate your school Degree/certificate of Study

Grade Level

Undergraduate Degree

Anticipated Graduation / Completion

Freshman

Course of Study

Month

Cumulative GPA

Scale on a scale of

Political Sciences

Enrolment Status

Academic period for the loan

From

Month

Year

Month

Year

Save

Add a Cosigner

We will save this form for you to come back and complete later. We will also send you an email with the path to return. QuiassumIn rernat. Acerum volutemquia intium rent...

Continue

Notes From Usability Test

.JOJNJ[JOH UIF OVNCFS PG รถFMET PO UIF QBHF 4IPXJOH POMZ UIF NPTU JNQPSUBOU รถFMET .PTU PG UIF รถFMET PO UIF QBHF BSF SFRVJSFE 5IF GFX รถFMET OPU SFRVJSFE XJMM IBWF UIF i0QUJPOBMw MBCFM

Annotations t i1SFUUZ HPPE QSFUUZ UIPSPVHIw 5IJT XBT B TUBUFNFOU BCPVU UIF TJNQMJรถFE MPPL BOE PSHBOJ[BUJPO OFX XJSFGSBNFT

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Sallie Mae, Online Loan Application

26 of 31

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Step 2: Borrower Lorum Ipsum | Ehenditas | Veniminis non pore

Basic Information

Getting Started Permanent Address About Your School

Application Information

Signature & Closing

Need Help? Chat Now

Loan Amount Employment Information Financial Information

Nuestras operadoras estan para ayudarles en vivo y al momento.

Annotations

A B

t 5IF VTFS DBO HFU UIF DPTU PG BUUFOEBODF GSPN UIJT FYUFSOBM MJOL

t i5IBU UIFZ BSF BTLJOH NF UIFTF RVFTUJPOT NBLFT TFOTF JU JT UIF CBTJT PG UIF MPBOw OFX XJSFGSBNFT

t 5IF 3FRVFTUFE -PBO "NPVOU TFDUJPO BQQFBST QSF QPQVMBUFE XIFO UIF %JĂ˛FSFODF UFYU CPY JT QPQVMBUFE t 5IF VTFS DBO DIBOHF UIF BNPVOU JO UIF 3FRVFTUFE -PBO "NPVOU UFYU CPY

Click to chat

Borrower

Cosigner

Call the agent

Loan Amount

1-888-272-5543 All the agents are currently busy. Average waiting time is 3:45 min.

Borrower Self CertiďŹ cation QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur?

E-mail us

Cost of Attendance

0,000,000.00

Check the cost of attendance - Is ma volorehende doleseribus et lam unt. Suntem adi none eicillam, siminimus.

Estimated Financial Assistance

0,000,000.00

Qui consequi aut estrum fugia dolorendipis quo tem. Esti sit il eat lanto et endaecum none liquiaturit anducia cust et quias id entio et omnihilitat occat alit fuga.

B $

0,000,000.00

Itae plant optaqui ducitibusdae nem la aut velia samusdae se ipsusdae voloreicabo. Ut errum accae sae

Difference

Loan Amount

Requested Loan Amount

Your relationship to the Student

0,000,000.00

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

Please review the disclosures

I am the Student

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use LEARN MORE

Employment Information Employment Status

Occupation

Please select one Work Phone Number

Extension (Optional)

___-___-____

_____

Length of Time at Current Employer

Year

Year(s) and

Month

Month(s)

LEARN MORE

Financial Information Primary source of Income

Please select one

Gross Income (Per Year)

$ Gross Income (Per Year)

Additional source of Income

Please select one

$ Gross Income (Per Year)

Total Household Income

Ownership of Accounts

Please select one

Residence Type

Please select one

Monthly Mortgage /Rent Amount

Only the Borrower can/should be submitting the application for the credit pull.

Back

Save

Current Employer Name

Employed

Notes From Usability Test

Notes

- Your Smart Option Loan

Submit Application

Electronic Communication Disclosure & Consent Sallie Mae and the Patriot Act

t 5IF %JĂ˛FSFODF UFYU CPY JT BVUP QPQVMBUFE BT UIF EJĂ˛FSFODF GSPN UIF UXP QSFWJPVT ĂśFMET

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t 5IF 1SJNBSZ 4PVSDF PG *ODPNF JT OPU EJTQMBZFE JG UIF &NQMPZNFOU 4UBUVT JT 6OFNQMPZFE

t 5IFSF XJMM CF B DIFDL CPY UP NBLF TVSF UIBU UIF VTFS JT UIF #PSSPXFS t 5IF #PSSPXFS T DSFEJU JT QVMMFE

Sallie Mae, Online Loan Application

27 of 31

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Step 3: Borrower

Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Basic Information

Loan Application

Getting Started Permanent Address About Your School

Need Help?

Results

Loan Amount Employment Information Financial Information

Application Results Additional Information E-Signature

Chat Now Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Borrower

Lender

Borrower Name

Sallie Mae Bank

Address line 1, City, State, ZIp code

Call the agent 1-888-272-5543 All the agents are currently busy. Average waiting time is 3:45 min. LEARN MORE

Application Results

Congratulations! Your loan request has been conditionally approved

E-mail us Either one of us will call you or send you e-mail reply, depending on your case. Either way, kindly allow us 24 hours.

What's next? QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

1. 2.

Natemporerum inulparum unt ad maionse reius doluptaquis modi omnis volore ius utetur? Ut vendunt fuga. Itatiaercia aboribusam rectuscia dolor sumquiae arum litat.

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Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

Please review the disclosures

Loan Rates & Estimated Total Costs Interest Rate

00,000.

00.00

The total amount that you are borrowing

Download

Total Loan Amount

Finance Charge

Your current interest rate

000.

Total of Payments

The estimated dollar amount the credit will cost you

00,000.

The estimated amount you will have paid when you have made all the payments

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use Privacy Policy Loan Application and Solicitation Disclosure Electronic Communication Disclosure & Consent

Accept Loan Terms

Borrower Self CertiďŹ cation

Sallie Mae and the Patriot Act

To be reviewed & signed

I have read the terms of the loan in the Loan Approval Disclosure

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Vendunt fuga. Itatiaercia aboribusam rectuscia dolor sumquiae arum litat. I Accept the Terms of the Loan

Loan Approval Disclosure Promissory Note LEARN MORE

Additional Information Reference 1

Reference 2

First Name

Last Name

First Name

Primary Phone

Last Name

Primary Phone

___-___-____

Relationship to Borrower (Optional)

Street Address Line 1 (Optional)

City (Optional)

State (Optional)

Zip Code (Optional)

City (Optional)

State (Optional)

Zip Code (Optional)

LEARN MORE

Electronic Signature By selecting "Submit Electronic Signature" below, I am:

- Signing the Smart Option Student Loan Promissory Note and Self CertiďŹ cation Document, I am certifying that I have read, understand, and agree to the terms and conditions of the Smart Option Student Loan Promissory Note materials.

Caution - untur? Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, aligeni assitissum quam quam harias maxim

First Name

Joshua

Last Name

Smith

Suffix (Optional)

None

Date

01 / 06 / 2010

D E

Ohio Residents: Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur? Unte ofďŹ cilla quidebitate atus escipsam fuga. Faccum reheniet lacerferro corehenet antur, ut a qui torro dolupta estrum que nem explibus, optatio. Tendigentem acerchilit everuptatem volupid magnien ducius aut magnis volorae et mosape non pore rem doles adit lis sequatios ene pratias dessin re nobit libusan duntiatur, sam ulparchillab isquias res sequas autem que plique nonsene magnam sitassim ut autaturis re de volest, autemperor sequiat uscidessed ea cor sus et voleseq uaerem eum hilleniatent voluptae volorit atemquam, et, volupti quuntum fuga. Me earchillabor simpore periae ratur ad exeristrum corat ma seni omnimin ctiaspe odipicipsant volupta tissunt etur? Wisconsin Residents: que net invent alicimporiam volorib usciatessunt quatusam harciis cilibercias resequo magnam volenitate vellorpost harum aut ofďŹ cil mos dest optat ea int omni deliqui volore veriae porro vidit et quaepta con corenda ipienet erehend ictusciis mi, il ex esed quidus experumquam ella ipsunto velicides am aut venis venimolori dolorum que ne inis as voluptae nem nos sequati atatianderum con ne et qui anda preptas autatius se sam, inturem poruptate erionse custrunt am ut experit iumquiat autatur?

Back

Save

Notes From Usability Test

Notes

Submit Electronic Signature & Continue

e-Signature

Annotations

A B

t 3FTVMU PG UIF CPSSPXFS T DSFEJU QVMM "QQSPWFE &MJHJCMF XJUI B DPTJHOFS 1FOEJOH %FDMJOFE

t 5IF CPSSPXFS T OBNF XJMM CF QSF ĂśMMFE

D E

t 0OMZ TIPXO JG UIF CPSSPXFS JT BO 0IJP SFTJEFOU

t &MFDUSPOJD TJHOBUVSF JT TVCNJUUFE BOE UIF BQQMJDBUJPO DPNQMFUF

t /PO CZQBTTBCMF MJOL

t 0OMZ TIPXO JG UIF CPSSPXFS JT B 8JTDPOTJO SFTJEFOU

Annotations

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Sallie Mae, Online Loan Application

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Confirmation Screen Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

1 Basic Information Loan Application ConďŹ rmation and Next2 Steps

Notes 3

Need Help?

Results

Getting Started Loan Amount Application Results Permanent Address Employment Information Additional Information Congratulations!!! About Your School Financial Information You have successfully completed your SallieMae Smart Option Loan, uid ut maxima quatet re venis ditiaE-Signature a sitas sit reribus, quis ni sit,

Chat Now Nuestras operadoras estan para ayudarles en vivo y al momento.

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Borrower Name A

Call the agent

Sallie Mae Bank

NextAddress Stepsline 1, City, State, ZIp code 1

Click to chat

1-888-272-5543

Address line 1, City, State, ZIp code

All the agents are currently busy. Average waiting time is 3:45 min. LEARN MORE

Application Should WeResults Contact Your Cosigner?

E-mail us Either one of us will call you or send you e-mail reply, depending on your case. Either way, kindly allow us 24 hours.

Yes, please send my cosigner an e-mail with instructions on how to finish the application.

Congratulations! Your loan request has been conditionally approved Use the following e-mail address: JohnSmith@Domain.com

What's next?

to provide myillesti cosigner. Nobisneed et autetur? Ucil untur? Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, aligeni assitissum quam quam harias maxim is doluptati voluptatus alignat.

B 2

1. 2.

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Create Your Account

It helps improve your chances to get a

Agnihil inullan delloribusci tenimax imintiis enis loan as well as lower your rate! aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website termsthe of use Please review disclosures

Loan Rates & Estimated Total Costs Provide an e-mail address and create a password. This information is needed to find your application later on. Total Loan Amount

Interest Rate

00,000.

00.00

E-mail Address: $ 00 Create Password: password The total amount that you

Your current interest rate

are borrowing

Finance Charge

Download

Total of Payments

000.

$ 00 ConďŹ rm Password: password The estimated dollar amount the credit will cost you

00,000.

The estimated amount you will have paid when you have made all the payments

Loan Approval Disclosure - Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, Reasons why youquam should go toharias Your Activity Center: aligeni assitissum quam maxim is doluptati voluptatus alignat.

I Accept the Terms of the Loan

Go To Salliemae.com

e-Signature

Promissory Note Go To Your Activity Center LEARN MORE

Reference 2 Last Name

Promissory Note Sallie Mae and the Patriot Act

Loan Approval Disclosure

First Name

Privacy Policy Electronic Communication Disclosure & Consent Loan Application and Solicitation Disclosure Borrower Self CertiďŹ cation Electronic Communication Disclosure Mae and the Patriot Act &Sallie Consent

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Reference 1

Loan Application and Solicitation Disclosure Website terms of use

To be reviewed & signed

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Additional Information

Agnihil inullan delloribusci tenimax imintiis enis Privacy Policy aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Loan Approval Disclosure Borrower Self CertiďŹ cation

Accept LoanActivity TermsCenter Go To Your

Back

Add a and Cosigner Your Disclosures Documents

First Name

Last Name

e-Signature

Annotation

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t 5IF VTFS JT UBLFO UP UIF "DUJWJUZ $FOUFS

28 of 31

Sallie Mae, Online Loan Application

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Step 1: Borrower + Cosigner Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Basic Information

Loan Application

Notes Need Help?

Results

Chat Now

Getting Started Permanent Address

Click to chat

Cosigner

Borrower

Call the agent

A Getting Started

1-888-272-5543

First Name

Last Name

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

None

E-mail Address

Primary Phone

E-mail us I prefer Sallie Mae to contact me via:

Cell

___-___-____

Other

Any - decide based on urgency

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

Electronic Delivery Consent Disclosure Loan Application and Solicitation Disclosure

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Please review the disclosures

Electronic Communication & Consent - Loan Application and Solicitation Disclosure Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use Privacy Policy

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Loan Application and Solicitation Disclosure

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Electronic Communication Disclosure & Consent Citizenship

Sallie Mae and the Patriot Act

Date of Birth

Social Security Number

XXX -

MM /

YYYY

Confirm Social Security Number

XXXX

XXX -

XXXX

Permanent Address Street Address Line 1 QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

Street Address Line 2 (Optional)

City

State

Zip Code

Select State Primary Phone

Secondary Phone (Optional)

___-___-____

Cell Other

___-___-____

Additional Phone (Optional) Cell Other

___-___-____

Cell Other

Length of Time at this Address

Year

Year(s) and

Annotation

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Nuestras operadoras estan para ayudarles en vivo y al momento.

Month

Month(s)

My Permanent Address is different from my Current Mailing Address

Save

Continue

29 of 31

Sallie Mae, Online Loan Application

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Step 2: Borrower + Cosigner Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Basic Information

Getting Started Permanent Address About Your School

Application Information

Signature & Closing

Need Help? Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Cosigner

Borrower

1-888-272-5543

Your relationship to the Student Borrower Requested

55,456.00

All the agents are currently busy. Average waiting time is 3:45 min.

I am the Parent

E-mail us LEARN MORE

Employment Information Employment Status

Employed

Please select one Work Phone Number

_____

Electronic Communication Disclosure & Consent

Month

Month(s)

Sallie Mae and the Patriot Act

LEARN MORE

Financial Information Primary source of Income

Please select one

Gross Income (Per Year)

$ Gross Income (Per Year)

Additional source of Income

Please select one

$ Gross Income (Per Year)

Total Household Income

Ownership of Accounts

Please select one

Residence Type

Please select one

Monthly Mortgage /Rent Amount

Only the Cosigner can/should be submitting the application for the credit pull.

Save

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Loan Application and Solicitation Disclosure

Length of Time at Current Employer Year(s) and

Please review the disclosures

Website terms of use Extension (Optional)

___-___-____

Back

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Current Employer Name

Occupation

Year

Annotation

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Call the agent

Loan Amount A

Notes

Chat Now

Loan Amount Employment Information Financial Information

Submit Application

30 of 31

Sallie Mae, Online Loan Application

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Step 3: Borrower + Cosigner Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Basic Information

Getting Started Permanent Address About Your School

Loan Application

Need Help?

Results

Loan Amount Employment Information Financial Information

Application Results eSign

Chat Now Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Borrower

Cosigner

Lender

Borrower Name

Cosigner Name

Sallie Mae Bank

Address line 1, City, State, ZIp code

Call the agent 1-888-272-5543 All the agents are currently busy. Average waiting time is 3:45 min. LEARN MORE

Application Results Congratulations! Your loan request has been conditionally approved

Either one of us will call you or send you e-mail reply, depending on your case. Either way, kindly allow us 24 hours.

What's next? QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

1. 2.

Natemporerum inulparum unt ad maionse reius doluptaquis modi omnis volore ius utetur? Ut vendunt fuga. Itatiaercia aboribusam rectuscia dolor sumquiae arum litat.

E-mail us

Please review the disclosures Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use Privacy Policy

Loan Rates & Estimated Total Costs Total Loan Amount

00,000.00

The total amount that you are borrowing

Download

Interest Rate

Finance Charge

Total of Payments

00.00%

000.00

Your current interest rate

The estimated dollar amount the credit will cost you

00,000.00

The estimated amount you will have paid when you have made all the payments

Loan Application and Solicitation Disclosure Electronic Communication Disclosure & Consent Sallie Mae and the Patriot Act

To be reviewed & signed Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

LEARN MORE

Electronic Signature

Loan Approval Disclosure

By selecting "Submit Electronic Signature" below, I am:

Promissory Note

- Signing the Smart Option Student Loan Promissory Note and Self Certiﬁcation Document, I am certifying that I have read, understand, and agree to the terms and conditions of the Smart Option Student Loan Promissory Note materials.

Caution - untur? Oloraerum qui ut im audit omnihic test por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, aligeni assitissum quam quam harias maxim

First Name

John

Last Name

Smith

Suffix (Optional)

None

Date

01 / 06 / 2010

Ohio Residents: Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur? Unte ofﬁcilla quidebitate atus escipsam fuga. Faccum reheniet lacerferro corehenet antur, ut a qui torro dolupta estrum que nem explibus, optatio. Tendigentem acerchilit everuptatem volupid magnien ducius aut magnis volorae et mosape non pore rem doles adit lis sequatios ene pratias dessin re nobit libusan duntiatur, sam ulparchillab isquias res sequas autem que plique nonsene magnam sitassim ut autaturis re de volest, autemperor sequiat uscidessed ea cor sus et voleseq uaerem eum hilleniatent voluptae volorit atemquam, et, volupti quuntum fuga. Me earchillabor simpore periae ratur ad exeristrum corat ma seni omnimin ctiaspe odipicipsant volupta tissunt etur? Wisconsin Residents: que net invent alicimporiam volorib usciatessunt quatusam harciis cilibercias resequo magnam volenitate vellorpost harum aut ofﬁcil mos dest optat ea int omni deliqui volore veriae porro vidit et quaepta con corenda ipienet erehend ictusciis mi, il ex esed quidus experumquam ella ipsunto velicides am aut venis venimolori dolorum que ne inis as voluptae nem nos sequati atatianderum con ne et qui anda preptas autatius se sam, inturem poruptate erionse custrunt am ut experit iumquiat autatur?

Back

Save

Submit Electronic Signature & Continue

e-Signature

31 of 31

Sallie Mae, Online Loan Application

Version 1 published January 11, 2010

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI Contact (prai2@sapient.com)

5.0 Visual Design Objective Create a new online loan application for Sallie Mae that is fast, simple, and intuitive

Customer Benefit Sallie Mae’s online loan application will give families a simple, trusted way to invest in their dream of higher education

Single Message Applying for a Sallie Mae Student Loan is not only easy to do and understand, it is the best way to invest in my future education and success

Audience Borrowers – They need to understand the financial commitment and expectations of the loan process without getting overwhelmed or feeling like they are being “talked down to ” They also need to know that an investment in education positions them for long-term success and that responsible repayment of their loan helps them build credit Co-signers – They too need to do their due diligence to understand the commitment they are making They also need reassurance that they are making the right financial decisions to invest in their student’s future and that Sallie Mae will help them along the way

32 of 34

Sallie Mae, Online Loan Application

Version 1 published January 11, 2010

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI Contact (prai2@sapient.com)

Concept: “Make Yourself Comfortable” “Make Yourself Comfortable” Figuring out how to pay for college may seem tough, but you don’t have to do it all by yourself Advice from a trusted voice can make everything simple So relax, get some coffee, and make yourself comfortable With Sallie Mae, funding your college education is just a few sips, and clicks, away

33 of 34

Sallie Mae, Online Loan Application

Version 1 published January 11, 2010

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI Contact (prai2@sapient.com)

Concept: “Crystal Clear” “Crystal Clear” No distractions. No confusion. You want to finish your student loan application quickly, but you also want to know you’ve done it right With Sallie Mae, you can be confident that you’ll have exactly the information you need to fund your college education Applying with Sallie Mae is as easy as checking it off your to-do list

34 of 34

Sallie Mae, Online Loan Application

Version 1 published January 11, 2010

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI Contact (prai2@sapient.com)

6.0 Appendix

35 of 39

Sallie Mae, Online Loan Application

36 of 39

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Screen 1 sequence of interactions Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Lorum Ipsum | Ehenditas | Veniminis non pore

Basic Information

Loan Application

Need Help?

Results

Chat Now

Getting Started Permanent Address About Your School

- Your Smart Option Loan

Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Borrower

Cosigner

Call the agent 1

Basic Information

Loan Application

Need Help?

Results

Chat Now

Getting Started Permanent Address About Your School

Nuestras operadoras estan para ayudarles en vivo y al momento.

Basic Information

Loan Application

Need Help?

Results

Chat Now

Getting Started Permanent Address About Your School

Nuestras operadoras estan para ayudarles en vivo y al momento.

Borrower

Cosigner

1-888-272-5543

First Name

Last Name

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

None

E-mail Address

Primary Phone

Call the agent

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

I prefer Sallie Mae to contact me via:

Any - decide based on urgency

Other

Electronic Communication & Consent - Loan Application and Solicitation Disclosure

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

Electronic Delivery Consent Disclosure Loan Application and Solicitation Disclosure

Getting Started

1-888-272-5543

First Name

Last Name

Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Please review the disclosures

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

None

E-mail us

Cell

___-___-____

E-mail Address

Primary Phone

MM /

Other

Any - decide based on urgency

Electronic Communication & Consent - Loan Application and Solicitation Disclosure Electronic Delivery Consent Disclosure Loan Application and Solicitation Disclosure

Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Please review the disclosures

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Citizenship

MM /

XXX -

XXXX

XXX -

- XXXX Go all required? XX

XXX -

XXXX

XXX -

Last Name

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

None

Primary Phone

___-___-____

Other

E-mail Address

Primary Phone Other

Any - decide based on urgency

Electronic Communication & Consent - Loan Application and Solicitation Disclosure

Please review the disclosures

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use

Loan Application and Solicitation Disclosure

MM /

Electronic Communication Disclosure & Consent

YYYY

Sallie Mae and the Patriot Act Social Security Number

XXX -

Confirm Social Security Number

XXXX

XXX -

XXXX

Loan Application and Solicitation Disclosure

Date of Birth

MM /

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Date of Birth

Please review the disclosures

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Citizenship

Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Citizenship

Send me the loan terms and services, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

Electronic Delivery Consent Disclosure Loan Application and Solicitation Disclosure

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

I prefer Sallie Mae to contact me via: Cell

___-___-____

E-mail us

Electronic Communication Disclosure & Consent

YYYY

Permanent Address

Sallie Mae and the Patriot Act

Street Address Line 1

Confirm Social Security Number

XXXX

XXX -

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

XXXX

Permanent Address

City

State

Zip Code

Select State

Street Address Line 1 QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Any - decide based on urgency

Electronic Communication & Consent - Loan Application and Solicitation Disclosure

Street Address Line 2 (Optional)

E-mail us I prefer Sallie Mae to contact me via:

Cell

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

None

XXX -

Street Address Line 1

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

1-888-272-5543 MI

First Name

XXXX

Permanent Address

Street Address Line 1

Street Address Line 2 (Optional)

Getting Started

Show the next set of elements

Permanent Address

Last Name

Call the agent

Social Security Number

Confirm Social Security Number

E-mail Address

Cosigner

Electronic Communication Disclosure & Consent

YYYY

1-888-272-5543

First Name

Nuestras operadoras estan para ayudarles en vivo y al momento.

Sallie Mae and the Patriot Act Social Security Number

Confirm Social Security Number

Chat Now

Website terms of use

Loan Application and Solicitation Disclosure

Date of Birth

Getting Started

Need Help?

Results

Sallie Mae and the Patriot Act Social Security Number

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

Electronic Communication Disclosure & Consent

YYYY

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

I prefer Sallie Mae to contact me via: Cell

___-___-____

Website terms of use

Loan Application and Solicitation Disclosure

Date of Birth

E-mail us

Citizenship

Loan Application

Click to chat

Borrower

Cosigner

Call the agent

Getting Started

Basic Information Getting Started Permanent Address About Your School

Click to chat

Borrower

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

Street Address Line 2 (Optional)

Primary Phone

Secondary Phone (Optional) Cell

___-___-____

Other

Additional Phone (Optional) Cell

___-___-____

Other

___-___-____

Cell Other

Length of Time at this Address City

Message the corrections State

City

Zip Code

State

Select State

Primary Phone

Secondary Phone (Optional) Cell

___-___-____

Other

___-___-____

Cell Other

Year(s) and

Month

Year

Month(s)

LEARN MORE

About Your School School

Search and locate your school Degree/certificate of Study

Grade Level

Undergraduate Degree

Anticipated Graduation / Completion

Freshman

Course of Study

Month

Cumulative GPA

Other

Primary Phone Cell

Other

Month

Save

Add a Cosigner

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Search and locate your school Degree/certificate of Study

Grade Level

Anticipated Graduation / Completion

Freshman

Month

Cumulative GPA

Continue

Month

Year

Scale

Other

___-___-____

Cell Other

Month

Year(s) and

LEARN MORE

About Your School School

Month

Month(s)

Search and locate your school Degree/certificate of Study

LEARN MORE

About Your School School

Search and locate your school

Degree/certificate of Study

Grade Level

Course of Study

Cumulative GPA

Message the corrections Undergraduate Degree Freshman

From

Year

Save

Add a Cosigner

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Continue

Month

Got required Year address?

Anticipated Graduation / Completion

Month

Grade Level

Course of Study

Month

Cumulative GPA

Enrolment Status

Academic period for the loan

From

Month

Year

Month

Year

on a scale of

Save

Month

Year

Save

Add a Cosigner

Continue

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Enrolment Status

Year

Scale on a scale of

Political Sciences

Anticipated Graduation / Completion

Freshman

Scale

Academic period for the loan

Enrolment Status

Month(s)

Additional Phone (Optional) Cell

___-___-____

Political Sciences

on a scale of

Year

Month

Undergraduate Degree

About Your School

From

Other

My Permanent Address is different from my Current Mailing Address

LEARN MORE

Political Sciences

Year

Secondary Phone (Optional) Cell

___-___-____

Year

Month(s)

School

Year(s) and

My Permanent Address is different from my Current Mailing Address

Cell

Academic period for the loan

Enrolment Status

Year

Month

Course of Study

on a scale of

Political Sciences

Year(s) and

Year

Zip Code

Select State

Additional Phone (Optional)

___-___-____

State

Length of Time at this Address

Undergraduate Degree

Year

Scale

Academic period for the loan

Month

Provided all inputs?_ _ _ - _ _ _ - _ _ _ _

Secondary Phone (Optional) Cell

My Permanent Address is different from my Current Mailing Address

From

___-___-____

City

Zip Code

Length of Time at this Address

Year

remind them later Primary Phone

Additional Phone (Optional) Cell

___-___-____

Continue

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Message corrections

Ready

n Y

Got Co-signer

Step 2 of the processes (user should have the option to come pack

Sallie Mae, Online Loan Application

37 of 39

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

“Add a Cosigner” reminder

Authentication Interview

Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Basic Information

Application Information

Getting Started Permanent Address About Your School

- Your Smart Option Loan

Signature & Closing

Need Help? Chat Now

Loan Amount Employment Information Financial Information

Nuestras operadoras estan para ayudarles en vivo y al momento.

Basic Information

Getting Started Permanent Address About Your School

Application Information

Signature & Closing

Need Help? Chat Now

Loan Amount Employment Information Financial Information

Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Borrower

Call the agent

Loan Amount

1-888-272-5543

Borrower Self Certiﬁ cation Information Cosigner QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur? Henimillest adigenetur? Ficae pratur, omnihic idest, qui optas adipsan daniet quid ut maxima quatet re venis ditia a sitas sit reribus, quis Cost of Attendance

Click to chat

Borrower

Cosigner

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0,000,000.00

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Estimated Financial Assistance

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Difference

my application.

0,000,000.00

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Cosigner

Call the agent

Loan Amount

1-888-272-5543

All the agents are currently busy. Average waiting time is 3:45 min.

Borrower Self Certiﬁ cationVeriﬁcation Identity

All the agents are currently busy. Average waiting time is 3:45 min.

E-mail us

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Cost of Attendance

Estimated Financial Assistance

Add a Cosigner

0,000,000.00

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You$ opened an auto loan ornone auto lease in or Mayet omnihilitat 2009. occat Please, 0,000,000.00 liquiaturit anducia custaround et quias id entio alit fuga.select the dollar amount range in which your monthly auto loan or lease payment falls.

Difference

LoanCosigner Amount Requested Loan Amount

relationship to the Student E-mail AddressYourmyCosigner@domain.com

0,000,000.00

Please review the disclosures

I am the Student

I will apply on my own. Please remove the cosigner from my application.

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

0,000,000.00

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$370 - $469 $470 - $569 $570 - $669 Loan Amount Your relationship to the Student $670 - $769 $ I amnot the Student 0,000,000.00 None of the above/ Does apply

helps improve your chances to get a No, I do not have my cosigner's information. Please, send an e-mail to my cosigner for him/Itloan as well as lower your rate! her to complete the cosigner section of the application.

Requested Loan Amount

Employment Status

Current Employer Name QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur? Evenducit qui optaque denihil liciend isquia aut

Employed Occupation

Please select one Work Phone Number

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Occupation

Year

Month(s)

LEARN MORE

Primary source of Income

Gross Income (Per Year)

$ Gross Income (Per Year)

Additional source of Income

Please select one

Employed

Year(s) and

Please select one

Month(s)

LEARN MORE

Gross Income (Per Year)

$ Gross Income (Per Year)

Additional source of Income

Please select one

Gross Income (Per Year)

$ Gross Income (Per Year)

Total Household Income

Residence Type

Please select one

Month

Financial Information

Please select one

_____

Primary source of Income QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur? Evenducit qui optaque denihil liciend isquia aut

Total Household Income

Ownership of Accounts

Extension (Optional)

Length of Time at Current Employer

Month

Ownership of Accounts

Monthly Mortgage /Rent Amount

Please select one

Residence Type

Please select one

Monthly Mortgage /Rent Amount

Only the Borrower can/should be submitting the application for the credit pull.

Back

Save

Submit Application

Back

Save

Website terms of use Continue Privacy Policy Loan Application and Solicitation Disclosure

Current Employer Name

___-___-____

_____

Financial Information

Please select one

Sallie Mae and the Patriot Act

LEARN MORE

Employment Status

Work Phone Number

Extension (Optional)

Length of Time at Current Employer Year(s) and

Electronic Communication Disclosure & Consent

Back

Employment Information

Please select one

___-___-____

Year

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

Please review the disclosures

Website terms of use LEARN MORE

Employment Information Back

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Submit Application

Electronic Communication Disclosure & Consent Sallie Mae and the Patriot Act

Sallie Mae, Online Loan Application

38 of 39

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Version 1 published January 11, 2010

Contact (prai2@sapient.com)

Save the application

Learn More Lorum Ipsum | Ehenditas | Veniminis non pore

Lorum Ipsum | Ehenditas | Veniminis non pore

- Your Smart Option Loan

Basic Information

Loan Application

Need Help?

Results

Chat Now

Getting Started Permanent Address About Your School

Nuestras operadoras estan para ayudarles en vivo y al momento.

Basic Information

Loan Application

Getting Started Permanent Address About Your School

Need Help?

Results

Loan Amount Employment Information Financial Information

Application Results Additional Information E-Signature

Chat Now Nuestras operadoras estan para ayudarles en vivo y al momento.

Click to chat

Borrower

Cosigner

Call the agent

Getting Started

1-888-272-5543

First Name

Last Name

All the agents are currently busy. Average waiting time is 3:45 min.

Suffix (Optional)

None

E-mail Address

Primary Phone

E-mail us Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

I prefer Sallie Mae to contact me via: Cell

___-___-____

Other

Any - decide based on urgency

To Save Your Loan Information...

Electronic Communication & Consent - Loan Application and Solicitation Disclosure

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

temquia intium rent. Obis solut delliaia aut doluptatus, m eturerum id eatur?

Provide an e-mail address and create a password. This information is needed to find your application. Tem fugiatempori nos dolorestint laudae des enis doluta nossitia net verume liquo illaces simolest, excernatem fugia voluptam a que officiae exceperio ea cum faceper epraerf erepudae plitian Send me the loan terms and services, etc. via email. QuiassumIn iatur, omnit, Delivery nem in natecto blabDisclosure illa doloribus. Electronic Consent rernat. Acerum volutemquia intium rent. Obis solut delliatur mod

Loan Application and Solicitation Disclosure

Provide an e-mail address and create a password. This information is needed to find your application later on.

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

E-mail Address

Send me student loan interest info, Form 1098E, etc. via email. QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut

password

Create Your Password Citizenship

Conﬁrm Your Password

password

Date of Birth

Back

MM /

YYYY

Please review the disclosures Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Website terms of use Privacy Policy

XXX -

Confirm Social Security Number

XXXX

XXX -

XXXX

Lender

Borrower Name

Sallie Mae Bank

Address line 1, City, State, ZIp code

Call the agent 1-888-272-5543 All the agents are currently busy. Average waiting time is 3:45 min. LEARN MORE

Application Results

What QuiassumIn does Pending rernat. mean? Acerum volutemquia intium rent. Obis solut

Nobis et delliatur autetur?mod Ucil illesti Oloraerummos quisiut im audit quo expeduntur? quia praesequidus volupta tibuste sequibusam aut tionseque doluptatus, cum por as dolupta idero et omnis quas sit Nobis et autetur? Ucil illesti untur? Oloraerum qui ut im audit omnihic test omnihic test eum, quis etus,etaligeni quam harias 1. eum Laututvolum mil il et assitissum endi sum qui quam de ofﬁcae nulparuntias por as dolupta tionseque idero et omnis quas sit eum, quis eum ut etus, mo dis cum quis enturionsed voluptatus alignat.magnat esto te sit perum aligeni assitissum quam quam harias maxim is doluptati voluptatus alignat. maxim is doluptati quibus ex et ius mi, nobisquodit, quia venitio. More 2. Et parum aut ius idendi quod mod ut laut quidisciae Natemporerum inulparum unt ad maionse reius doluptaquis modi omnis nonseque esseremporis cus vent ea volorem et quid que How is interest rate calculated? volore ius utetur? Ut vendunt fuga. Itatiaercia aboribusam rectuscia dolor 3. my Corrum quis et vendania aut autem voluptas volorectiam Natemporerum inulparum unt ad magnam maionse reius doluptaquis eaquass itatior eperibus reheni rem fuga. Sus. modi sumquiae arum litat. omnis volore ius utetur? Ut vendunt fuga. Itatiaercia aboribusam rectuscia dolor sumquiae arum litat. More

Loan Rates & Estimated Total Costs Total Loan Amount

Continue Communication Electronic Disclosure & Consent

The total amount that you are borrowing

Why are there ﬁnance charges?

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Interest Rate

00,000.00

00.00%

Your current interest rate

00 $ 000. 00,000.00 What are the disbursement charges?

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rectuscia dolor sumquiae arum litat.

___-___-____

Other

Year(s) and

Month

Reference 2 Last Name

First Name

Last Name

___-___-____

Other

Primary Phone

___-___-____

Cell Other

Length of Time at this Address

Year

LEARN MORE

Primary Phone Additional Phone (Optional) Cell

Relationship to Borrower (Optional)

Street Address Line 1 (Optional)

Month(s)

My Permanent Address is different from my Current Mailing Address

LEARN MORE

About Your School

City (Optional)

School

Search and locate your school Degree/certificate of Study

Undergraduate Degree

State (Optional)

Zip Code (Optional)

City (Optional)

State (Optional)

Zip Code (Optional)

Grade Level

Anticipated Graduation / Completion

Freshman

Month

Year

LEARN MORE

Electronic Signature By selecting "Submit Electronic Signature" below, I am:

Course of Study

Cumulative GPA

Scale

Month

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Enrolment Status

Academic period for the loan

From

on a scale of

Political Sciences

Year

Month

Year

Save

Add a Cosigner

We will save this form for you to come back and complete later. We will also send you an email with the path to return. QuiassumIn rernat. Acerum volutemquia intium rent...

Continue

Electronic Communication Disclosure & Consent

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Zip Code

Secondary Phone (Optional) Cell

To be reviewed & signed

Additional Information First Name

Select State

Website terms of use

Loan Approval Disclosure

Reference 1

Primary Phone

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Borrower Self Certiﬁcation

State

Please review the disclosures

Sallie Mae and the Patriot Act

I Accept the Terms of the Loan

City

Add a Cosigner

It helps improve your chances to get a loan as well as lower your rate!

Street Address Line 1

Street Address Line 2 (Optional)

Accept Loan Terms

Vendunt fuga. Itatiaercia aboribusam rectuscia dolor sumquiae arum litat.

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia praesequidus mos si volupta tibuste sequibusam aut doluptatus, cum

Either one of us will call you or send you e-mail reply, depending on your case. Either way, kindly allow us 24 hours.

What's next?

I have read the terms of the loan in the Loan Approval Disclosure

Permanent Address

E-mail us

More about your Application Results...

Congratulations! Your loan request has been conditionally approved

Loan Application and Solicitation Disclosure

Sallie Mae and the Patriot Act Social Security Number

Click to chat

Borrower

First Name

Joshua

Date

01 / 06 / 2010

Last Name

Smith

Suffix (Optional)

None

Promissory Note e-Signature

Borrower

Signature & Closing

1-888-272-5543

Call the agent

Click to chat

Nuestras operadoras estan para ayudarles en vivo y al momento.

Chat Now

Need Help?

Difference

Gross Income (Per Year)

Street Address Line 1 (Optional)

City (Optional)

Street Address Line 1 (Optional)

City (Optional)

State (Optional)

Last Name

Zip Code (Optional)

LEARN MORE

Save

Submit Application

Sallie Mae and the Patriot Act

Electronic Communication Disclosure & Consent

Loan Application and Solicitation Disclosure

Website terms of use

by LAuRIe BRYKMAn, pRIYA pAuL, DAVID WHIte, pRADYOt RAI

Back

Only the Borrower can/should be submitting the application for the credit pull.

Relationship to Borrower (Optional)

State (Optional)

___-___-____

Primary Phone

___-___-____

Primary Phone

First Name

Monthly Mortgage /Rent Amount

First Name

Reference 2

Zip Code (Optional)

Please select one

Residence Type

Last Name

Month

Reference 1

Additional Information

Please select one

Ownership of Accounts

Total Household Income

Please select one

Additional source of Income

Please select one

Primary source of Income

Financial Information

Year(s) and

LEARN MORE

Agnihil inullan delloribusci tenimax imintiis enis aut maximinis minci sequi ullanda non exerspe ratibus, nus.

Please review the disclosures

It helps improve your chances to get a loan as well as lower your rate!

Add a Cosigner

Either one of us will call you or send you an e-mail reply, depending on your case. Either way, please allow us 24 hours.

Version 1 published January 11, 2010

Year

Month(s)

_____

Length of Time at Current Employer

Extension (Optional)

___-___-____

I am the Student

Your relationship to the Student

Itae plant optaqui ducitibusdae nem la aut velia samusdae se ipsusdae voloreicabo. Ut errum accae sae

Qui consequi aut estrum fugia dolorendipis quo tem. Esti sit il eat lanto et endaecum none liquiaturit anducia cust et quias id entio et omnihilitat occat alit fuga.

Current Employer Name

0,000,000.00

Work Phone Number

Please select one

Occupation

Employed

Employment Status

0,000,000.00

Loan Amount

Employment Information

Estimated Financial Assistance

Requested Loan Amount

Cost of Attendance

Check the cost of attendance - Is ma volorehende doleseribus et lam unt. Suntem adi none eicillam, siminimus.

E-mail us

QuiassumIn rernat. Acerum volutemquia intium rent. Obis solut delliatur mod quo exped quia aut doluptatus, cum Aquod molut et optatium expellic test, conserum eturerum id eatur?

Loan Amount Employment Information Financial Information Additional Information

Application Information

All the agents are currently busy. Average waiting time is 3:45 min.

Borrower Self CertiďŹ cation

Cosigner

Getting Started Permanent Address About Your School

Basic Information

Loan Amount

- Your Smart Option Loan

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Sallie Mae, Online Loan Application Contact (prai2@sapient.com)

39 of 39

Alternate Step 2 (References)

Thank You.