1. Revenue Sharing Prohibition – Sterling does not provide anything of value to schools in exchange for any advantage sought by Sterling, including but not limited to, placement on a school’s Preferred Lender List.

2. Gift and Trip Prohibition - Sterling does not provide college/university employees with items that have more than nominal value. This includes a prohibition on trips paid for by Sterling for Financial Aid Officers, school officials, trustees, agents or other school staff members.

3. Preferred Lender Guidelines – Sterling offers quality products and services that secure placement on a school’s preferred lender list and never pays for preferred lender status.

4. Advisory Board Compensation – Advisory Board participation is on a volunteer basis and includes no payments or other monetary benefits including travel.

5. Preferred Lenders Disclosure – Upon request of any institution of higher education, Sterling will disclose the range of rates we charge students and historical default data to assist a school in selecting preferred lenders. This ensures that schools are equipped with any and all information required to determine which loan products best meet the needs of their families. Borrowers must also be informed that they have the right and ability to select the lender of their choice even if their chosen lender is not included on the school’s preferred lender list.

6. Financial Aid Office Staffing - Any individual acting on behalf of Sterling will always identify themselves as representatives of Sterling when visiting a school campus. In addition, Sterling representatives may not work in or provide staffing assistance to any Financial Aid Office.

7. Loan Resale Disclosure – Sterling discloses to students and parents any agreements that allow Sterling to sell their loans.

8. Call Center Prohibition - Sterling does not operate call centers on behalf of college and university clients. Further, customer service representatives are required to identify themselves as Sterling employees.