Greystone Education Funding consists of GCO Education Loan Funding Corp. (GCO ELF) and Private Academic Loans, LLC. Financing student loans is a complex business. GCO ELF works with clients to understand their objectives and structure mutually beneficial deals whether the client is buying or selling student loans. GCO ELF creates long lasting and collaborative relationships, helping our clients meet their goals.

In addition, Private Academic Loans, LLC, through a direct-to-consumer lending program called The Educated Borrower® maintains the ability to offer private loans to individuals and families who require financial aid above and beyond the funds available through federal programs.

With an asset base exceeding $6 billion GCO ELF has successfully executed many innovative deals and programs since our inception.. Our management team has decades of experience in the student loan industry enabling us to respond quickly to opportunities and challenges while tailoring custom solutions that meet each client’s distinctive cash flow requirements and business goals.



PRIVATE STUDENT LOAN PRODUCTS


For many students and parents, federal student loan programs simply aren’t enough to meet today’s rising education costs. This gap in funding resulted in private loan demand of more than $17 billion dollars in 2007. Private Academic Loans, LLC began originating private student loans when we introduced the Educated Borrower® suite of private student loans in January 2006. The company has invested heavily in personnel and technology to build a platform and user experience that is second to none. Private Academic Loans, LLC allows clients, with the ability to lend money, to leverage our proven expertise and platform to create a program that will result in both a top loan portfolio and valuable customer relationships with today’s college students (Generation Y).

Private Academic Loans, LLC offers a turnkey solution with five products designed to meet the needs of our clients. Alternatively we can consult with you to develop a custom program for your organization.

Private Loan Core Competencies at GCO ELF and Private Academic Loans, LLC include:
• Product Development
• Data Modeling for expected risk and financial return
• Fraud Prevention
• Underwriting
• Contact Center Management
• Direct Marketing
• Regulatory Compliance

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www.gcoelf.com
www.educatedborrower.com


GCO Education Loan Funding Corp. / Private Academic Loans, LLC
6312 S. Fiddler's Green Circle
Suite 400 North
Greenwood Village, CO 80111

25 Mall Road
Suite 411
Burlington, MA 01803
Phone: 781-685-9605


businessdevelopment@gcoelf.com
investorrelations@gcoelf.com

Robert A. Culnane

Chief Executive Officer
Private Academic Loans, LLC
President
GCO Education Loan Funding Corp.

Mr. Culnane has worked as a student loan industry participant and as an investment banker to student loan issuers since 1985.

Most recently Robert was managing director of the Capital Markets Division at First Marblehead Corporation. He has been associated with First Marblehead since the early 1990’s when he assisted the company in raising capital and executed securitizations. Between 1981 and 2000, Robert was vice president and manager in the Municipal Bond Department at Goldman Sachs, responsible for running the $38 billion Short Term Group and leading their tax-exempt student loan business. He has completed more than $5 billion in taxable and tax-exempt student loan financings.

Robert holds a B.S. from Middlebury College, where he graduated with honors.