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satisfactory evaluation or assessment within the maximum time frame. Graduates will obtain "OFFICAL" Transcripts when the course and financial requirements are met. A full discharge of all financial obligations to the school is expected when the "OFFICAL" Transcripts are requested. Students completing these requirements will receive a certificate of completion in their program of study. Stamped "UNOFFICIAL" Transcripts can be provided to the student with a note of unpaid financial obligations to the school. If the student has defaulted on his or her financial obligations, the school may also specify this on the academic transcript. Students Right to Cancel I Withdrawal and Dismissal A student has the right to cancel his or her enrollment agreement for a program of instruction, without any penalty or obligations, through attendance at the first-class session, or the seventh day after enrollment, whichever is later. After the end of the cancellation period, the student also has the right to stop school at any time and has the right to receive a pro rats refund if the student has completed 60% or less of the program, Cancellation may occur when the student provides a written notice of cancellation to the school, or by the student's conduct, including, but not necessarily limited to, a student's lack of attendance. The written notice of cancellation, if sent by mail, is effective when deposited in the mail properly addressed with proper postage. The written notice of cancellation need not take any particular form and, however expressed, it is effective if It shows that the student no longer wishes to be bound by the Enrollment Agreement. Enrollment time is defined as the time between the actual starting date and the date of the student's last day of physical attendance in school. The student's refund rights are described in the contract. If the school closes before you graduate, you may be entitled to a refund, teach -out, or transfer depending upon the school's closure plan. Determination of Official Withdrawal from School A student's official withdrawal date is determined by the date the student submitted notification to withdraw to a school director, the date the student was expelled or dismissed from school, or the earlier of the scheduled return from leave of absence or the date the student notifies the school that he/she is not returning. Refund Policy HSTi refund policy for the return for unearned institutional charges is as follows: If the student cancels an enrollment agreement or withdraws during a period of attendance the refund policy for students who have completed 60 percent or less of the period of attendance shall be a pro-rata refund. Any money due to the applicant or student shall be refunded within forty-five (45) days of formal cancellation by the student. Students who are terminated by the school shall receive a refund within forty-five (45) days from the student withdrawal date. In the case of a failure to return from a leave of absence, the student shall receive a refund within forty-five (45) days after the expected date of return. Distance Learning Program: Students in the Distance Learning Program have the right to cancel the agreement and receive a full refund before the first lesson and materials are received. Cancellation is effective on the date written notice of cancellation is sent. If the institution sent the first lesson and material before an effective cancellation notice was received, the Institution will make the refund within 45 days after the student returns any materials sent. a. Has fully paid for the educational program; and b. After having received the first lesson and initial materials, requests in writing that all of the materials be sent. However, if HealthStaff Training Institute has provided the balance of the material as the student requests, the school shall remain obligated to provide the other educational services it agreed to provide, such to the student's inquiries, student and faculty interaction, and evaluations and comment on lessons submitted by the student, but will not be obligated to pay and refund after all of the lessons and materials are provided. Sample Refund Calculator Refunds will be calculated in clock hours using the elapsed time method. The student is entitled to a refund based upon the portion of the program not completed. The amount owed equals the daily charge for the program (total institutional charge, divided by the number of days or hours in the program), multiplied by the number of days student attended, or was scheduled to attend, prior to withdrawal less the cost of any books, supplies and equipment returned in good condition (good condition does not include equipment that a seal is broken, log -on 12