One-Year Loan Creditors: Each “one-year loan” creditor listed below will be paid the amount of the debt

owed, unless the creditor agrees to be paid less than the full amount. Creditor Collateral Debt $ $ Minimum EMA $ $ (cid:28)4 Section 12: STUDENT LOAN OBLIGATIONS Student loan debt that is not dischargeable under §523(a)(8) remains not dischargeable under the Bankruptcy Code, absent the debtor prevailing against the creditor in an adversary proceeding. If the student loan is not discharged, interest will continue to accrue on the prepetition principal. Any payments disbursed by the Trustee through the plan will be applied by the creditor to the prepetition claim.

Section 13: EXECUTORY CONTRACTS AND UNEXPIRED LEASES Debtor assumes the executory contracts and unexpired leases listed below and will pay directly to the respective creditor any pre-petition arrearage and post-petition payments. All other executory contracts and unexpired leases are rejected. Creditor Description of Contract or Lease Section 14: GENERAL UNSECURED CREDITORS General unsecured claims will be paid after all secured claims and all other unsecured claims, including administrative, priority, and separate class claims, not less than the greater of: the amount those creditors would receive if the estate of debtor were liquidated under chapter 7 or the amount the claims are entitled to under Form 122-C. Section 15: BEST INTEREST OF CREDITORS TEST Debtor represents that the property to be distributed under the plan would have the liquidation value set forth below if it were administered in a chapter 7 case. Total liquidation value of case: Less estimated costs and chapter 7 fees: Equals net distribution to priority and general unsecured claims: Explanation of calculation and list of property: Section 16: VESTING $ $ $ 0.00 All property of the estate will vest in debtor: at discharge or dismissal of the case, OR at confirmation. [If neither box is checked, it will be deemed that vesting will occur at discharge or dismissal of the case.] Section 17: SEPARATE CLASS CREDITORS None. [If neither box is checked, it will be deemed that no separate class creditors exist.

If there are no separate class creditors, the rest of Section 17 need not be completed or reproduced.] OR The creditors listed below are separate class creditors: Creditor Debt $ $