UB annual finance guide: an easy-to-use guide on finance information for higher education

University Business, Nov, 2004

Campus Commerce

CollegeNET, Inc.

805 SW Broadway, Suite 1600

Portland, OR 97205

Phone: (503) 973-5200

e-ValuCheck

30021 Tomas, Suite 250

Rancho Santa Margarita, CA 92688

Phone: (949) 888-1006

www.evalucheck.com

Higher One, Inc.

25 Science Park

New Haven, CT 06511

Phone: (203) 776-7776

www.HigherOne.com

Focused exclusively on higher education, Higher One offers an innovative approach to student financial services making the financial interactions between the university, the student, and their family easier. The company does this through patent pending products and services:

* OneDisburse[SM] enables the institution to create drastic cost avoidance and increases service in the financial disbursements process compared to disbursing via paper check or ACH direct deposit.

* OneFinance[SM] enables the institution to offer a suite of financial services, including a free checking account with unique features designed for students, as a benefit of enrollment or employment at the institution.

infiNET

1425 East Busch Parkway

Buffalo Grove, IL 60089

Phone: (888) 413-3150

www.infinet-inc.com

OPUS

Orchestrating your future.

OPUS Financial

Incorporated

10515 Carnegie Avenue

Cleveland, OH 44106

Phone: (800) 661-5089

www.opusfinancial.org

OPUS is proud to introduce the Alumni Advantage program, a unique opportunity for alumni associations to serve its membership and generate fundraising opportunities by offering excellent financial terms to consolidate its members' educational loan debt. The Alumni Advantage is tailored to each association to maximize the benefits for the association and its members.

OPUS Financial, Inc. is non-profit company created to provide low-cost educational funding, debt management, consolidation and early awareness programs. OPUS has partnered with [A.sup. ]Funds and Medfunds, a long time industry leader, to provide schools and students with custom solutions to meet their educational financing needs.

TouchNet Information

Systems, Inc.

15520 College Blvd.

Lenexa, KS 66219

Phone: (913) 5999

www.touchnet.com

Consulting Services

Dow, Lohnes & Albertson,

PLLC Attorneys at Law

1200 New Hampshire Avenue, N.W.

Washington, DC 20036-6802

Phone: (202) 776-2579

KeyBank

KeyCorp

127 Public Square

Cleveland, OH 44114

Phone: (800) 540-1855

www.key.com/educate

MISSION STATEMENT

For over 50 years, Key Education Resources[R] has provided families federal and private parent and student education loans, payment plans, planning tools, helpful advice, and exceptional customer service. Key also offers tools specifically designed to make your job as a School Administrator or Financial Aid Administrator easier. KeyCorp is one of the nation's largest bank-based financial services companies, with assets of over $85 billion.

PRODUCTS/SERVICES

* Education loans with competitive interest rates--Federal, Undergraduate, Graduate, Professional and Career/Continuing Education loan programs.

* Loan consolidation programs--help make repayment easier to manage and free up cash each month.

* Monthly Payment Plan--Affordable interest-free payment plans to meet the individual needs of schools and their families.

* Key On-Line--Easy access to Monthly Payment Plan information.

* Easy application and renewal--Families can easily and quickly apply and renew online.

* Repayment incentives--several programs/options that save families money.

* Materials Order Form--Order collateral material online.

* Entrance/Exit Counseling Presentations--Downloadable presentations designed for FAAs.

* Short-term Medical Insurance--An affordable option for your recent graduates.

NEWS

Key Education Resources--Helping families make the right choices. Planning for education financing/funding can seem like an education in itself. Whether you or your child is starting college, graduate school, or continuing an education, we have the right program. Key has helped students and families achieve their education goals for over 50 years.

nelnet[R]

Nelnet (National

Education Loan Network)

121 South 13th Street, Suite 400

Lincoln, NE 68508

Phone: (877) 564-2696

www.nelnet.net

Nelnet is a leading, vertically integrated education finance company, focused on providing quality products and services to participants in the education finance process. Nelnet originates, holds, and services student loans, principally loans originated under the Federal Family Education Loan Program, referred to as the FFEL Program or FFELP

Nelnet offers a broad range of financial services and technology-based products, including student loan origination and lending, student loan and guarantee servicing and a suite of software solutions. The company's infrastructure, technological expertise and breadth of product and service offerings connect the key constituents of the student loan process, including lenders, financial aid officers, guaranty agencies, governmental agencies, student and parent borrowers, and servicers, thereby streamlining the education finance process.

PRODUCTS/SERVICES

Our products include an Internet-based financial aid delivery and management system, an Internet-based loan origination system and a centralized disbursement agent service. Our "open architecture" origination products afford schools the flexibility to work with multiple lenders of their choice. These products are directly integrated into our servicing platform, which provides various features such as loan approval, disbursement of funds, customer service, account maintenance, federal reporting and billing collections, payment processing, default aversion, claim filing and uninsured loan recovery. Our software products include: