<table cellspacing="0" cellpadding="0" border="0" ><tr><td valign="top" style="font: inherit;">Heath, Courtney, Jaime and Jennifer, I wanted to provide clarification about the discussion that Jill and I had last night. <br><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">I misunderstood a comment that Jill made regarding my future employment and how we had been historically communicating about it. I thought that she was stating that I was being non-communicative and when asked about what I thought I would do regarding our future-that I was simply not answering her. </blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;"> However, that was not what she was saying and in fact she was agreeing with me that the situation has been changing all the time and that it was difficult to plan based on the moving SallieMae- Government
agenda. Her thought last night was that the situation seems to be moving more clearly in the direction of a Government takeover and possible unemployment for me and others at SallieMae- so, she was asking now-what are my thoughts about the industry- do I want to stay in 'student loans' etc given the pending government take over. She wondered if I conceptually disagree so vehemently about the government's running of the program that maybe I wanted to move to a new industry. She was thinking that it would be good for me to discuss those options now with my friends. However, I was thinking that she was being confrontational and sort of attacking me and rebuking me for not being communicative. </blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">It is strange and wrong that I would assume that she was being that way- because she is not that way to me- she is gentle and
unassuming and I know that she is on my side. My assumption that she was 'attacking me' was wrong and sin on my side. </blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">All that to say- I wanted you to know why I responded the way that I responded- and sort of shut down- I was responding wrongly and totally misunderstood Jill's intent.</blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">I do want to talk to you all about the future- and I need your wisdom. </blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">Thank you for listening to us last night and for loving us. </blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">I hope that clarifies what occurred...</blockquote><blockquote style="border-left:
2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">Please let me know if you have any questions about this.</blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">Love,</blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;"><br></blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;">John</blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;"><br></blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;"><br></blockquote><blockquote style="border-left: 2px solid rgb(16, 16, 255); margin-left: 5px; padding-left: 5px;"> </blockquote></td></tr></table>