1. PROHIBITION OF FINANCIAL ARRANGEMENTS

Neither the school nor its employees will accept anything of more than nominal value from any lending institution, guaranty agency, 或者贷款服务商.  这特别 includes revenue-sharing arrangements and payments or gifts for preferred lender/guarantor/servicer status, and the provision of printing and mailing at below-market prices.  它还 includes gifts or donations to students or the school and other grants, scholarships 或奖励.  

2. PROHIBITION OF GIFTS AND TRIPS
School employees may not accept gifts of more than nominal value from any lending institution, guaranty agency, 或者贷款服务商.  This includes payments and reimbursement for lodging, meals and travel to conferences, meetings or training seminars.

3. ADVISORY BOARD RULES/COMPENSATION

School employees are prohibited from receiving anything of value for serving on an advisory board , commission or group of any lending institution, guaranty agency, 或者贷款服务商.  Employees are also prohibited from any type of consulting arrangement or contract to provide services to or on behalf of a lender, guaranty agency, or loan servicer relating to education loans (except for reimbursement for reasonable expenses).

4. PREFERRED LENDER GUIDELINES 
The school’s preferred lender list must be based solely on the best interests of the students or parents who may use the list without regard to financial interests of 该机构.  The school will not assign a lender, guaranty agency, 或者贷款服务商 to first-time borrowers.

5. PREFERRED LENDER DISCLOSURE
On all preferred lender lists the school will clearly and fully disclose the criteria and process used to select preferred lenders, guaranty agencies, 或者贷款服务商s and inform students and parents that they have the right and ability to select the lender of their choice regardless of the preferred lender list.  The school will not delay or deny a loan based on a student’s choice of lender, guaranty agency, or loan servicer nor steer borrowers to particular lenders, guaranty agencies, 或者贷款服务商s.

6. LOAN RESALE DISCLOSURE AND OPPORTUNITY LOAN PROHIBITION
No lending institution, guaranty agency, 或者贷款服务商 may appear on a preferred lender list if the lender has an agreement to sell the loans to another lending institution, guaranty agency, 或者贷款服务商 without disclosing this fact.  In addition, no lending institution may bargain to be a preferred lender, guaranty agency, 或者贷款服务商 with respect to a certain type of loan by providing benefits to 该机构 as to another type of loan (opportunity loans, except that 该机构 may offer loans to international students, at fair market rates, who would be otherwise unable to secure a domestic loan).

7. CALL CENTER AND STAFFING PROHIBITION
The school must ensure that employees of lending institutions, guaranty agencies, 或者贷款服务商s never identify themselves to students as employees of 该机构. No employee of a lending institution, guaranty agency, 或者贷款服务商 may ever work in or provide staffing to the school’s financial aid office.