Education Finance Partners was launched in 2003 by Grail Partners, Investors were Morgan Stanley, National Bank of Canada. The vision of creating sophisticated private loan programs that would help more students succeed. Together, our team of accomplished executives represent several decades of consumer loan and education finance experience. We draw on our expertise to develop the best private loans in the industry that create the highest opportunity for students to get the money they need for the education they deserve. As of 2008 Education Finance Partners were the 4th largest student loan originator in North America. Behind Education Finance Partners is a team of industry leaders who bring extensive and in-depth industry expertise to our company, attained from their previous positions at leading financial organizations. These organizations include Access Group, American Express, Bank of America, Citigroup, Chase, Collegiate Funding Services (CFS), CoreStates Bank, Edamerica, Educaid/Wachovia, Education Finance Group, EZCORP, First Union Corporation, Ford Motor Credit, General Electric, Household Finance, Nelnet, NSLP, Sovereign Bank, Student Loan Marketing Association (Sallie Mae), The Education Research Institute (TERI), and Wells Fargo. With this wealth of competitive knowledge, a leading product has been developed that will not only compete with the top private loans but will aggressively surpass and out perform any product currently in the marketplace.

WM is North America's leading provider of integrated environmental solutions. We partner with our customers and communities to manage and reduce waste from collection to disposal while recovering valuable resources and creating clean, renewable energy. We are on a quest for environmental performance, a mission to maximize resource value, while minimizing – and even eliminating – environmental impact so that both our economy and our environment can thrive. WM tailors its services to meet the needs of each customer group and to ensure consistent, superior service at the local level. Headquartered in Houston, the company serves nearly 20 million municipal, commercial, industrial, and residential customers through a network of 367 collection operations, 355 transfer stations, 273 active landfill disposal sites, 16 waste-to-energy plants, 104 recycling plants, and 111 beneficial-use landfill gas projects.