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Reference  Guide  to    Clinical  Sciences    Semesters  5  -­‐  10  

Spring 2013

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OBJECTIVES This Reference Guide is intended to:

v Introduce Ross Administration including Office of the Registrar, Office of Student Finance, Office of Clinical Sciences, and Office of Student Professionalism and Development.

v Explain the process of scheduling core, elective, and special rotations at affiliated and non-affiliated clinical training sites.

v Advise on attendance policy and administrative procedures.

v Answer frequently asked questions regarding the clinical sciences curriculum.

v Advise on applying for USMLE Step 1 and Step 2.

v Advise on enrollment status during the clinical sciences curriculum.

v Instruct on obtaining transcripts and viewing grades on myRoss.

v Advise on financial aid eligibility requirements.

v Advise on debt management and residency relocation loans.

v Inform about ECFMG certification, licensure, and applying for residency, and the Medical Student Performance Evaluation (MSPE).

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TABLE OF CONTENTS SECTION 1: ROSS UNIVERSITY CONTACT LIST ............................................................................. 5  

1.1 ADMINISTRATIVE OFFICE ......................................................................................................... 5  1.2 OFFICE OF THE REGISTRAR .................................................................................................... 5  1.3 OFFICE OF STUDENT FINANCE ............................................................................................... 5  1.4 CLINICAL SCIENCES DIVISION ................................................................................................. 6  1.5 OFFICE OF CLINICAL SCIENCES ............................................................................................. 6  1.6 OFFICE OF STUDENT AND PROFESSIONAL DEVELOPMENT .............................................. 7  

SECTION 2: OFFICE OF CLINICAL SCIENCES ................................................................................. 9  2.1 CLINICAL ROTATIONS ............................................................................................................... 9  2.2 POLICIES AND ADMINISTRATIVE PROCEDURES ................................................................ 11  2.3 RESIDENCY PLANNING ........................................................................................................... 12  2.4 ADDITIONAL RESOURCES ...................................................................................................... 13  2.5 FREQUENTLY ASKED QUESTIONS ....................................................................................... 14  

SECTION 3: OFFICE OF REGISTRAR – AICM GUIDELINES ......................................................... 16  3.1 APPLYING FOR ECFMG NUMBER .......................................................................................... 16  3.2 APPLYING FOR THE USMLE STEP 1 AND IDENTIFICATION FORM 186 ............................ 17  

3.2.1 USMLE ELIGIBILITY TABLE .............................................................................................. 18  3.2.2 USMLE FIELDS ................................................................................................................... 19  

3.3 USMLE APPLICATION PROCESSING AND SPECIAL ROTATIONS ..................................... 21  3.4 NBME SELF ASSESSMENT TEST ........................................................................................... 22  3.5 PREPARING FOR THE NRMP MATCH .................................................................................... 22  3.6 ENROLLMENT STATUS AFTER COMPLETING THE AICM COURSE .................................. 23  

3.6.1 VACATION: (04/26/13 – 08/18/13) ..................................................................................... 23  3.6.2 APPROVED LEAVES OF ABSENCE: (04/26/13 – 10/27/13) ............................................ 23  3.6.3 TEMPORARY WITHDRAWN STATUS (TW) & GAP DISCLOSURE FORM ..................... 23  

3.7 CLINICAL CURRICULUM REGISTRATION ............................................................................. 24  3.8 STEP 2 CLINICAL KNOWLEDGE (CK) AND CLINICAL SKILLS (CS) EXAMS ..................... 24  

3.8.1 APPLYING FOR THE USMLE STEP 2 CK/CS AND EMSWP STUDENT WEB PORTAL 25  3.9 TRANSCRIPTS AND CLINICAL GRADES ............................................................................... 25  4.0 TIMELINE GUIDE FOR RUSM STUDENTS 3RD AND 4TH CLINICAL YEARS ...................... 26  

SECTION 4: OFFICE OF STUDENT FINANCE ................................................................................. 30  4.1 STUDENT FINANCE CONTACT LIST ...................................................................................... 30  4.2 BEGINNING THE FINANCIAL AID PROCESS ......................................................................... 31  4.3 FEDERAL LOANS AVAILABLE ............................................................................................... 31  4.4 CANADIAN / INTERNATIONAL STUDENTS ............................................................................ 32  

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4.5 UNDERSTANDING NSLDS- HOW MUCH DO YOU OWE? ..................................................... 32  4.6 WHAT TO DO WHEN YOU ARE IN TEMPORARY WITHDRAWN STATUS ........................... 32  4.7 WHAT TO DO WHEN YOU START YOUR FIRST CLINICAL ROTATION .............................. 32  4.8 SPECIAL ROTATIONS .............................................................................................................. 33  4.9 CLINICAL SEMESTER FORMAT .............................................................................................. 33  4.10 ADDITIONAL LOANS AVAILABLE ........................................................................................ 33  4.11 BUDGETING / DEBT MANAGEMENT .................................................................................... 34  4.12 STUDENT ACCOUNTS INFORMATION ................................................................................. 35  4.13 FREQUENTLY ASKED QUESTIONS ..................................................................................... 36  

SECTION 5: OFFICE OF STUDENT AND PROFESSIONAL DEVELOPMENT ............................... 40  5.1 WHAT IS THE OFFICE OF STUDENT AND PROFESSIONAL DEVELOPMENT….AND WHAT CAN YOU DO FOR ME? ..................................................................................................... 40  5.2 WHO ARE WE? ......................................................................................................................... 41  5.3 WHAT IS THE “MATCH?” ........................................................................................................ 41  5.4 WHAT IS A MSPE? ................................................................................................................... 42  5.5 WHAT IS ECFMG CERTIFICATION? ....................................................................................... 42  5.6 WHAT CAN I DO NOW TO PREPARE FOR RESIDENCY? ..................................................... 42  5.7 WHAT DOES THIS MEAN? COMMONLY USED ACRONYMS ............................................... 43  5.8 WHERE CAN I FIND MORE INFORMATION? LINKS .............................................................. 44  

SECTION 6: APPENDICES................................................................................................................. 46  APPENDIX A: REQUIREMENTS FOR ENTRY INTO CLINICAL ROTATIONS ............................. 47  APPENDIX B: HEALTH ASSESSMENT FORM ............................................................................. 48  APPENDIX C: REQUEST FOR ROTATION AT NON-AFFILIATE FORM ...................................... 50  APPENDIX D: INSTRUCTIONS FOR STUDENTS AND SAMPLE NEW YORK STATE ELIGIBILITY APPLICATION ........................................................................................................... 52  APPENDIX E: INFECTION CONTROL DISCOUNT INFORMATION ............................................. 61  APPENDIX F: BLOODBORNE PATHOGENS EXPOSURE POLICY ............................................. 62  APPENDIX G: INCIDENT REPORT ................................................................................................ 65  

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SECTION 1: ROSS UNIVERSITY CONTACT LIST

1.1 ADMINISTRATIVE OFFICES Ross University – Offices of Student Services, Registrar, and Clinical Clerkships 2300 SW 145th Avenue, Suite 200 , Miramar, FL 33027 § Telephone: (954) 885-3700 § Fax: (732) 509-4820 § URL: http://www.RossU.edu/medical-school/ Ross University – Office of Student Finance 630 US Highway 1, Suite 300, North Brunswick, NJ 08902 § Telephone: (732) 509-4600 § Fax: (732) 509-4820 § URL: http://www.RossU.edu/medical-school/

1.2 OFFICE OF THE REGISTRAR E-Mail: Registrar@RossU.edu Fax: (732) 509-4820 Functions:

– USMLE Step 1 & Step 2 Applications and Score Reports – Enrollment Status, LOAs, Withdrawals – Deferments, Enrollment Verification, Immigration Letters, Transcripts – Graduation Audits, Diploma Processing

Name Title Contact Information Sandra Herrin University Registrar sherrin@rossu.edu

Katie Roberson Associate Registrar kroberson@rossu.edu

Simone Maxwell Senior Registrar Advisor ext. 3047 Georgia Lue Registrar Advisor ext. 3047 Tyrone White Registrar Advisor ext. 3047 Sarah Schimek Registrar Coordinator ext. 3047

1.3 OFFICE OF STUDENT FINANCE Email: FinAid@RossU.edu Fax: (732) 509-4821 Functions:

– Financial aid eligibility requirements – Debt management advice – Advisement on residency relocation loans

Name Title Contact Information Jennifer Dennis University Director of Student

Finance JDennis@RossU.edu Anson Pope Associate Director of Student

Finance APope@RossU.edu Teresa Pupo Associate Director of Student

Finance TPupo@RossU.edu Julie Burgio Student Finance Team Lead JBurgio@RossU.edu Lucibel Cabrita Student Finance Analyst LCabrita@RossU.edu Giang Le Student Finance Systems

Coordinator – Financial Aid GLe@RossU.edu

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Jenniffer Rosario Student Finance Collections Analyst JRosario@Rossu.edu

Cortney Wortman Student Accounts Analyst ext. 3051 Felicia Mitchell Student Accounts Analyst ext. 3051 Leticia Taylor Student Finance Systems

Coordinator – Student Accounts ext. 3051

Nottoya Thelusma Danielle Fiorentino Yudisney Leung Jaya Patel Jo-Ann Singh Nigel James

Financial Aid Advisors (by 1st letter of student’s last name):

(A – C) (D - I) (J - M) (N – R) (S – Z) (New Students)

ext. 3051

1.4 CLINICAL SCIENCES DIVISION ADMINISTRATION Name Title Contact Information Dr. Joseph Flaherty Dean and Chancellor of Ross

University School of Medicine askRUSMdean@RossU.edu Peter Goetz Vice Dean of Administration PGoetz@RossU.edu Dr. Enrique S. Fernandez Senior Associate Dean for

Clinical Sciences EFernandez@RossU.edu

Dr. Paula Wales Senior Associate Dean for Students PWales@RossU.edu

Dr. Alison Dobbie Senior Associate Dean for Education, ADobbie@RossU.edu

Dr. Iriana Hammel Senior Director of AICM IHammel@RossU.edu Judi Canderozzi Academic Affairs Administrator JCanderozzi@RossU.edu

1.5 OFFICE OF CLINICAL CLERKSHIPS E-Mail: Clinical@RossU.edu Fax: (732) 509-4820 Functions:

– Scheduling core, elective, and special rotations at affiliated and non-affiliated clinical training sites – Clinical Advisement – Guidance on Clinical Sciences policies and procedures

Name Title Contact Information Gary Belotzerkovsky Director, Clinical Clerkships GBelotzerkovsky@RossU.edu or

GaryB@RossU.edu Jeanie Robertson Director, Clinical Liaison and

Planning JRobertson@RossU.edu

Tony Ayubi AICM Program Manager – Ross Miramar Campus TAyubi@RossU.edu

Michele Palmese Associate Director, Clinical Clerkships MPalmese@RossU.edu

Daniela Aghadjanian Supervisor, Clinical Relations DAghadjanian@RossU.edu Sharma Saintval Supervisor, Hospital Relations SSaintval@RossU.edu Michelle LeJeune NBME Coordinator MLeJeune@RossU.edu

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Idalia Gonzalez

NBME Coordinator IGonzalez@RossU.edu Chris Bellone Laura Basset Andrea Hamilton

Senior Clinical Advisors (By last name – Alpha Order)

(Ea – Gz) (Ha – Jz) (Tm – Zz)

ext. 3044

Milton Darby Natasha Lemonier Ashley Williams Shneail Burnett LaKeysha Acloque Steven Moczydlowski

Clinical Advisors (Aa - Bl) (Bm - Dz) (Ka - Ma) (Mb - Oz) (Pa - Rz) (Sa – Tl)

ext. 3044

Yamilia Failoni Sr. Clinical Coordinator ext. 3044 Renee Brown Ashley Gonzalez Nicole King Celia Linton Stephanie Ogando

Clinical Coordinators

ext. 3044

1.6 OFFICE OF STUDENT AND PROFESSIONAL DEVELOPMENT E-Mail: ProfessionalDevelopment@RossU.edu Fax: (732) 506-4820 Functions:

– ECFMG certification, licensure, and applying for residency – Medical Student Performance Evaluation (MSPE) – NRMP planning and advisement

Name Title Contact Information David Sacks Associate Director, Student and

Professional Development DSacks@RossU.edu

Greg Brooks Associate Director, Student and Professional Development

EBrooks@RossU.edu

Eugene Bold Alexis Braddy Nina Suliman

Professional Development Advisors

ext. 3053

Georgia East Professional Development Advisor/Sr. Writer

ext. 3053

Priscilla Ruiz Administrative Coordinator ext. 3053

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Office  of  Clinical  Sciences  

Information  Guide  

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SECTION 2: OFFICE OF CLINICAL SCIENCES 2.1 CLINICAL ROTATIONS INITIAL SCHEDULING OF CORE ROTATIONS § Scheduling of Core Rotations

– Submit copy of passing Step 1 score report • E-mail Registrar@RossU.edu or fax 732-509-4820 report to Registrar

– Submit Infection Control Certificate (see Appendix E), ACLS/BLS Certificate, Ross Health Assessment Form (see Appendix B), Lab results, Flu Vaccine, copy of a Government issued ID and Health Insurance

• Ross Health Assessment, PPD must be < 1 year old, if positive submit a chest x-ray; Titers – MMR, Varicella and Hep B must be quantitative results and < 5 years old

• Influenza Vaccination must be from August 2013-June 2014; vaccinations done in June 2014 are not applicable for rotations starting after August 1 2014.

• E-mail Clinical@RossU.edu , or fax (732) 509-4820, or mail to Office of Clinical Sciences at Administrative Office Address in North Brunswick, NJ

– Complete the Clinical Placement Preference Form on myRoss – Have completed a Background Check in 5th Semester – Once all information has been approved, 3-5 clinical core rotations will be scheduled within 7 to 10

business days after receiving an approval email. The remainder of your cores will be scheduled proactively with you by the Clinical Advisement team after you turn 7th semester

– Upon acceptance of schedule by student, a finalized version will be accessible on myRoss – Note: If rotating in New York, submit New York State Eligibility application (see Appendix D or

myRoss) AFFILIATED CLINICAL TRAINING SITES § Currently there are nine hospitals that offer ALL core rotations:

– Atlanta Medical Center – Atlanta, GA – Kern Medical Center – Bakersfield, CA – Mercy Medical Center – Janesville, WI – Norwegian American Hospital – Chicago, IL – Princess Margaret Hospital – Dominica, West Indies – St. Anthony’s Hospital – Chicago, IL – St. John’s Episcopal – Far Rockaway, NY – St. Joseph’s Mercy Oakland – Pontiac, MI – Synergy Medical Center – Saginaw, MI

§ For a comprehensive list of other affiliated clinical training sites, refer to the Affiliate Clinical Training Sites Hospital List on myRoss

SPECIAL ROTATIONS In order to be considered for a special rotation you must be a student in good standing, have a cumulative GPA ≥ 3.0 and you must have confirmation of your USMLE Step 1 sitting date (Prometric confirmation) available for submission.

– All special rotation requests can be submitted to the Office of the Registrar at SpecialRotations@RossU.edu. All requests must be submitted directly to the Office of the Registrar for review of eligibility requirements; requests sent elsewhere will delay the process – If eligible, your request will be forwarded to the Office of Clinical Sciences for health clearance.

Submit Infection Control Certificate (see Appendix E), ACLS/BLS Certificate, Ross Health Assessment Form (see Appendix B), Lab results, Flu Vaccine, copy of a Government issued ID and Health Insurance

• Ross Health Assessment, PPD must be < 1 year old, if positive submit a chest x-ray; Titers – MMR, Varicella and Hep B must be quantitative results and < 5 years old

• Influenza Vaccination must be from August 2013-June 2014; vaccinations done in June 2014 are not applicable for rotations starting after August 1 2014.

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– E-mail Clinical@RossU.edu or fax to (732) 509-4820 – Once medically cleared you will be contacted by the Office of Clinical Sciences to review availability

and scheduling. The special rotation must begin within 30 days of your Step 1 sitting date

Note: – Eligibility of 5th semester transfer students will be based on AICM performance – Upon receipt of a passing Step 1 score, student should submit score report to Registrar – Upon receipt of a failing Step 1 score, student will be allowed to complete the special rotation – Student will NOT be allowed to complete any further rotations until passing Step 1

§ Locations The availability of Special Rotations is dependent on the specific regulations within the laws of each state. Some states within the U.S. will require a student to have a passing Step 1 score prior to commencing any clinical rotation. As such, when regulations within a state change so will the availability of locations for these rotations.

SCHEDULING ELECTIVE ROTATIONS AT AFFILIATED HOSPITALS § Student should contact affiliated clinical training site, unless noted in the Ross Affiliation Guide § Student should request rotation and obtain start/end dates § If approved, provide Office of Clinical Sciences with the following information:

– Name and ID number – Rotation title, name of hospital, and start and end dates – Contact information for Hospital Coordinator – Email clinical@rossu.edu (with all headers and footers) or other form of written/documented

confirmation from the Hospital (forwarded from student is acceptable)

SCHEDULING ROTATIONS AT NON-AFFILIATED SITES § Student should contact non-affiliated clinical training site to inquire about availability § Student should request rotation and obtain start and end dates § If hospital has an application form:

– Submit a completed hospital application to the Office of Clinical Sciences and complete the Request for Rotation at Non-Affiliate, an online form found on myRoss (see Appendix C)

– The Ross application and the hospital application will be processed by the Office of Clinical Sciences and forwarded to the hospital with any requested supporting documents as one packet

§ If hospital does not have an application form: – Only complete the Request for Rotation at Non-Affiliate, online form (See Appendix C)

§ Time for processing and academic approval is approximately 30 business days. Please allow sufficient time before rotation start date for processing

EVALUATION PROCESS § Evaluations are automatically submitted to the Hospital Medical Education Coordinator within 30 days prior

to the start of the rotation. If an evaluation needs to be sent to the hospital a second time, the request must come directly from the Hospital Medical Education Coordinator. Student requests will not be accepted.

§ Clinical Training Sites are allotted 30 days after the end date of a rotation to submit the original hardcopy of the evaluation to the Ross University Miramar office

– If an evaluation is not received within this 30 day timeframe, or is received and requires a correction, the Office of Clinical Clerkships contacts the hospital on the student’s behalf, bi-weekly, and will continue to follow up with them until the completed and/or corrected evaluation is received

– Students are not permitted to contact the hospital with regard to outstanding evaluations. RUSM will work on your behalf to ensure timely submission of clinical evaluations. Your Clinical Coordinator will work with you to address any concerns regarding your evaluation

§ Once an evaluation is received and meets the quality standards set forth by RUSM and licensure boards, your evaluation will be graded within 5-7 business days of receipt

– Students may request a copy of their evaluation 5 business days after your grade has been posted § Students wishing to contest a grade must contact their preceptor and hospital coordinator directly

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– If the preceptor agrees to re-evaluate a student, the hospital coordinator must contact the Office of Clinical Clerkships for a new evaluation and the appropriate paperwork will be submitted to their office on your behalf must be made by a hospital coordinator

– Requests for a new evaluation made directly by a student will not be processed COMMUNICATING WITH ROSS ONLINE FOR SCHEDULING ROTATIONS AND OTHER QUESTIONS § Online Knowledge Database: (myRoss)

– AskRoss (Ask Questions, Find Answers) – Ross University Portal: myportal.rossu.edu

§ Contact Office of Clinical Sciences through AskRoss: – URL: www.RossU.edu/myRoss – E-Mail: Clinical@RossU.edu– If intended for a specific advisor, include name in the subject

NEW YORK STATE LONG-TERM CLERKSHIP CERTIFICATE In order to receive authorization to engage in clinical clerkships in a teaching hospital in New York State as provided by Section 60.2(c) of the Regulations of the Commissioner of Education, you must apply for and receive either a Long-Term Clerkship Certificate (for affiliates) or a Letter of Eligibility (non-affiliates) from the New York State Education Department State Board for Medicine. Instructions for students wishing to complete clinical clerkships in New York State (at affiliates and non-affiliates) are found in Appendix D and on myRoss.

2.2 POLICIES AND ADMINISTRATIVE PROCEDURES

ATTENDANCE POLICY § Perfect attendance is expected and enforced with limited exception, consideration may be given at the

discretion of the clinical training site § Please schedule time off during the standard interview period of October to January of the year prior to

graduation as needed. Students should not expect to be automatically excused for residency interviews § Students cannot drop a rotation within 30 days of a start date. On a very exceptional basis for urgent or

emergent situations only, approval may be granted on an exceptional basis by Leadership at the Office of Clinical Sciences. Please submit your request through Ask Ross to discuss this with your Clinical Advisor

§ If you are a no call, no show to a rotation without prior approval by RUSM, a student will: – Be responsible for tuition cost of entire rotation – Receive a failing grade – Not be permitted to begin another rotation until end date of rotation he or she dropped – Not have priority in re-scheduling – Be subject to further disciplinary action

§ Scheduling of rotations during overlapping time periods is strictly prohibited. If you are scheduled for a rotation that you would like to drop due to acceptance to a new rotation at a different hospital for that time period, the following criteria must be met in order for you to be approved:

– Your request must be made through AskRoss within a reasonable time before 30 days of the start date of the rotation you wish to drop

– You must submit through AskRoss within a reasonable time before 30 days of the start date of the rotation written confirmation from the hospital (email-all headers and footers, letter or fax) that they have agreed to allow you to drop the rotation

– You must submit through AskRoss within a reasonable time before 30 days of the start date of the new rotation written approval/acceptance from the hospital associated with the rotation you wish to add. (Refer to Clinical Rotations section for policies and procedure on scheduling various rotations)

– Approval of such schedule changes not made within a reasonable time before 30 days of the start of a rotation is at the sole discretion of Leadership at the Office of Clinical Sciences and consideration will be made for urgent or emergent situations on a very exceptional basis. Without prior approval to do otherwise, you will be expected to rotate at the hospital listed on your official clinical schedule in myRoss as of the 30th day prior to the start date of the rotation as part of your professional obligations

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USMLE STEP 1 – Apply for Step 1 by submitting Certification of Identification Form 186 to the Office of the Registrar – Students must sit for their first attempt at the Step 1 within 6 months of completion of AICM or within

6 months of passing comp if occurs after completion of AICM. If students fail on first attempt, they have one year from completion of AICM (and two additional attempts) to pass. There are no exceptions to this policy; students who fail to comply will be subject to administrative withdrawal. Please refer to the Office of the Registrar portion of this reference guide

ENROLLMENT STATUS AFTER AICM – Upon completion of AICM, student status will convert to a “vacation” status in which the student

remains fully enrolled for 16 weeks. If first clinical rotation does not start when vacation period ends (and student has not been previously approved for an academic leave of absence LOA), status will convert to temporarily withdrawn (TW)

– While on TW status students cannot defer their loans nor can they receive financial aid. Once students advance into their clinical curriculum, if there are any gaps of 5 weeks or more (and not approved for an academic LOA), status will convert to TW

USMLE STEP 2 – Form 186 is valid in ECFMG’s database for 5 years; all subsequent registrations are done

electronically through www.ecfmg.org. Students are eligible to be certified to take the USMLE Step 2 CK/CS provided that they have passed AICM, the USMLE Step 1 exam, and are actively enrolled in semester 6-10 of the clinical curriculum

TRANSCRIPTS AND CLINICAL GRADES – You may view your grades on the myRoss website once they have been received and processed.

An official transcript request is also available at www.RossU.edu/myRoss Refer to Office of the Registrar AICM Guidelines for more details

2.3 RESIDENCY PLANNING

ECFMG CERTIFICATION § Required to obtain an unrestricted license to practice medicine § Requirements for ECFMG Certification

o Pass USMLE Step 1, Step 2 CK and CS o Graduate and receive medical school diploma

§ The Office of Student and Professional Development (OSPD) will automatically begin the ECFMG process once you have graduated and been cleared by the Registrar’s Office; turnaround time is between 3 to 6 weeks

LICENSURE § Ross graduates may be licensed in all 50 states. However, some states require additional

documentation to be collected as each rotation is completed o California - Requires L6 verification form to be completed by hospital for each rotation o Illinois - Requires AF-Med verification form to be completed by hospital for each core rotation o Oklahoma - Requires “Clinical Clerkship Verifications” to be completed by hospital for each

rotation TIMELINE FOR 2015 RESIDENCY MATCHING

November 2013 – June 2014 Apply for MSPE upon notification of eligibility from the OSPD April – December 2014 Sit for USMLE Step 2 CK and CS June 2014 Request “Token” from ECFMG (“Dean’s Office”) July 2014 Register with MyERAS July – October 2014 Submit Letters of Recommendation, Transcripts, and MSPEs to ERAS August 2014 Begin applying for Residency September 2014 Register with NRMP, CaRMS, San Francisco Match, or AUA (Urology Match)

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Sept. 2014 – January 2015 Schedule and Attend Interviews December 31, 2014 Last day to sit for USMLE Step 2 and receive scores in time for 2013 Match March 2015 Match results released; Post-Match/Scramble begins March 2015 – June 2015 Complete State Licensure, if applicable (can initially apply as soon as you

have graduated and been cleared) June 2015 Graduation Ceremony July 1, 2015 Begin Residency

Refer to OSPD Pre-Residency Planning Guide for details (located on myRoss).

2.4 ADDITIONAL RESOURCES SUGGESTED REFERENCES § www.RossU.edu/MyRoss

– The Clinical Sciences Guidelines

– The Pre-Residency Planning Guide

– The Ross Student Handbook (Academic Rules & Regulations)

§ NBME (www.nbme.org)

– grades the comp & step exams, self-assessments for $45

§ USMLE (www.usmle.org)

– Step 1, 2 & 3

– Students are not to apply for boards through USMLE - Except Step 3 – all other registrations must be made through ECFMG

§ ACGME (www.acgme.org)

– Accreditation Council for Graduate Medical Education

§ ECFMG (www.ecfmg.org)

– Educational Commission for Foreign Medical Graduates

– Register for USMLE Step 1 & 2

§ ERAS (www.aamc.org/students/eras)

– Electronic Residency Application Service

§ NRMP (www.nrmp.org)

– National Residency Matching Program – main Match

§ San Francisco Match (www.sfmatch.org)

– Ophthalmology, Neurosurgery and other specialty Matches

§ AUA (www.auanet.org)

– American Urological Association – Urology Match

§ CaRMS (www.carms.ca)

– Canadian Residency Matching Service

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2.5 FREQUENTLY ASKED QUESTIONS Q: How many cores can I expect to get when I submit my Step 1 score and requisite documentation? A: Students may expect to receive a schedule for 3-5 cores initially within 7-10 business days.

Note: Students are required to complete the following six core rotations: • Internal Medicine (12 weeks) • Surgery (12 weeks) • Family Medicine (6 weeks) • OB/GYN (6 weeks) • Pediatrics (6 weeks) • Psychiatry (6 weeks)

Q: How much of a gap can students expect to have between rotations? A: Gap time varies depending on availability of core rotations. Students are advised to fill gaps of

more than four weeks with elective rotations, otherwise a Leave of Absence may be recommended. (Please refer to the AICM Guidelines located in myRoss for additional information.)

Q: Which students should be concerned about ACGME/AOA rotations? A: Students who are planning on pursuing licensure in California should complete all cores in ACGME

Programs or at Hospitals that have an ACGME Family Medicine residency program umbrella. Students planning on practicing in Texas should have ACGME or AOA accredited rotations.

Q: How many elective rotations are required for graduation? A: There are 33 weeks of elective rotations required for graduation: which includes eight weeks of internal

medicine subspecialties, four weeks of surgery subspecialties, and 21 weeks of free electives.

Q: How many weeks of clinical rotations are required to graduate? A: There are 90 weeks of clinical rotations required to graduate. Students have the opportunity to do

an additional two weeks of clinical rotations for a total of 92, without incurring further tuition cost.

Q: When must I begin/complete rotations to be eligible for the Match? A: There is no specific start date, however rotations should be completed by the May 31st graduation date

in order to receive ECFMG certification in time to begin residency. Therefore it is advisable to begin rotations approximately 90 weeks prior to May 31st to allow time for natural gaps, taking of Step 2, and interviewing. There may be exceptions and you can refer to the Ross Graduation Memorandum on MyRoss for further information.

Q: Can I do core/elective rotations in Canada?

A: Core/elective rotations in Canada may be scheduled following the non-affiliate process (See Appendix C).

Q: Can I do residency in Canada? A: Students may obtain a Canadian residency; each Province has different criteria to be a resident in their

area, please research your own Province for the most up to date information. In addition, you can refer to the CaRMS website for further information.

Q: As a Canadian citizen, will my visa eligibility change if I am accepted into a residency program

in the United States? A: Visa eligibility will change once accepted into a U.S. residency program which will sponsor a visa.

Canadian students are required to take the USMLE Step 3 prior to beginning a residency and therefore must graduate and be ECFMG certified in time to be able to sit for Step 3 prior to beginning of residency. Please plan accordingly. Refer to the Ross Graduation Memorandum on MyRoss for further information.

Refer to AskRoss database on myRoss for a more comprehensive list of questions and answers.

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Office  of  the  Registrar  

AICM  Guidelines  

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SECTION 3: OFFICE OF REGISTRAR – AICM GUIDELINES

Please review the RUSM Student Handbook on myRoss for detailed information regarding all University policies. In addition, it is strongly encouraged that all students retain these guidelines for future reference, as you will be required to know the policies contained herein. If you have any questions, please contact the Office of the Registrar in the Miramar, Florida Administrative Office. Contacting us: -Submit an inquiry/ask a question via the AskRoss feature on myRoss. -E-Mail: Registrar@RossU.edu -Fax: (732) 509-4820 -Phone: (732) 509-3047 Functions:

– USMLE Step 1 & Step 2 Applications and Score Reports – Enrollment Status, LOAs, Withdrawals – Deferments, Enrollment Verification, Immigration Letters, Transcripts – Graduation Audits, Diploma Processing

Name Sandra Herrin

Title University Registrar

Contact Information sherrin@rossu.edu

Katie Roberson Associate Registrar kroberson@rossu.edu Simone Maxwell Senior Registrar Advisor ext. 3047 Georgia Lue Registrar Advisor ext. 3047 Tyrone White Registrar Advisor ext. 3047 Sarah Schimek Registrar Coordinator

ext. 3047

3.1 APPLYING FOR ECFMG NUMBER Prior to applying for your first USMLE registration and submitting Identification Form 186, you must first obtain an ECFMG/USMLE ID number. This is an 8 digit number that is assigned to you, which you will use for all future correspondence with ECFMG. Retain this number for all future correspondence with ECFMG.

You can link to IWA [Interactive Web Application] through the ECFMG main page (www.ecfmg.org) and then the log in screen will give you the option "If you are a first-time user of ECFMG On-line Services, click here to establish an account." Then just follow the prompts.

This process takes up to a week to obtain your number so please do so expeditiously. A very important point to remember is to list your name EXACTLY how it is shown on any government ID you will present when you write the exam and use this exact format when you actually apply for the Step 1. If there is a discrepancy between your entered name when applying for the ECFMG number, when applying for the Step 1, or when presenting ID, they will reject the application or disallow you to sit for the exam. Additionally, this is the way your name must be stated on your diploma, ECFMG certificate and license when applicable. If you should change your name in the future, you will need to do so through RUSM and ECFMG as well.

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Also, please be cognizant of entering your birth date in the European format of DD/MM/YYYY. If there is a discrepancy, ECFMG will reject the application and require either a copy of a passport or birth certificate for verification with a new application.

3.2 APPLYING FOR THE USMLE STEP 1 AND IDENTIFICATION FORM 186

Once you have been notified of your passing Comp score and USMLE Step 1 eligibility period, you will then go to the www.ecfmg.org website and apply for Step 1.

Ø After completing the application process, you will be prompted to print Identification Form 186, sign and

date it, attach a passport sized photo and submit by the RUSM deadlines indicated in this guide.

Ø The Office of the Registrar will certify the Identification Form 186 and submit it to ECFMG. The processing of the form takes approximately 3 to 5 business days. This certified form will register you with ECFMG under Ross University sponsorship and allow for future USMLE applications once determined eligible.

Ø When approved and certified, they are forwarded to ECFMG by overnight mail. You will be notified

through email when this occurs.

Ø Once your Identification Form 186 is processed and mailed to ECFMG, they will then place your application on the secured online EMSWP certification web portal. This usually takes 1-2 weeks from ECFMG’s receipt of the Form 186. ECFMG will notify Ross University when it is placed on EMSWP; you are not required to notify our office. Once notified, it will be reviewed for eligibility and certified online. This process takes approximately 5 to 7 business days.

Ø If a student becomes administratively withdrawn or dismissed for whatever reason, Ross University

sponsorship will be rescinded.

Ø Please note that due to the processing time of your Identification Form 186 and EMSWP online certification, it can take a minimum of four (4) weeks before you will receive a scheduling permit to choose a date for your exam. Please plan accordingly when submitting your Identification Form 186 to the Office of the Registrar.

Depending on your eligibility status, you will complete the application for eligibility windows explained in the Eligibility table. If you do not pass the COMP on the first attempt, please note that the school status date information contained in this guide will still apply to you, as these are DOE regulated policies in which RUSM must comply. Please refer to the table below for USMLE eligibility.

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3.2.1 USMLE ELIGIBILITY TABLE

Eligibility Status: 6 Month

Eligibility Period:

Eligible 3 month USMLE Step 1 Exam Windows:

Enrollment status while preparing for USMLE Step 1 Exam:

Passed NBME COMP exam with a 66 or higher on 4/19/2013

05/01/13 – 10/31/13

• 05/01/13 – 07/31/13 • 06/01/13 – 08/31/13 • 07/01/13 – 09/30/13 • 08/01/13 – 10/31/13

• Vacation status: 04/26/13 – 08/18/13. 16 week vacation period in which students remain fully enrolled.

• Status change on 08/19/13 to TW; retroactive to 04/26/13. Unless rotation started or previously approved for LOA. Loans cannot be deferred. No financial aid available. Gap must be disclosed.

• Leave of Absence: 04/26/13 – 10/27/13 (optional, must be approved). Must start first clinical rotation on or before 10/28/13. Loans can be deferred. No financial aid available. Gap must be disclosed.

Pass on 2nd attempt at NBME COMP exam between 7/22 - 8/4/13.

08/01/13 – 01/31/14

• 08/01/13 – 10/31/13 • 09/01/13 – 11/30/13 • 10/01/13 – 12/31/13 • 11/01/13 – 01/31/14

• Vacation status: 04/26/13 – 08/18/13. 16 week vacation period in which students remain fully enrolled.

• Status change on 08/19/13 to TW; retroactive to 04/26/13. Unless previously approved for LOA. Loans cannot be deferred. No financial aid available. Gap must be disclosed.

• Leave of Absence: 04/26/13 – 10/27/13 (optional, must be approved). Must start first clinical rotation on or before 10/28/13. Loans can be deferred. No financial aid available. Gap must be disclosed.

Pass on 3rd attempt on NBME COMP exam between 9/30 – 10/13/13.

11/01/13 – 4/30/14

• 11/01/13 – 01/31/14 • 12/01/13 – 02/28/14 • 01/01/14 – 3/31/14 • 02/01/14 – 04/30/14

• Vacation status: 04/26/13 – 08/18/13. 16 week vacation period in which students remain fully enrolled.

• Status change on 08/19/13 to TW; retroactive to 04/26/13. Unless previously approved for LOA. Loans cannot be deferred. No financial aid available. Gap must be disclosed.

Fail on 3rd attempt on NBME Comp

• Not Eligible • Dismissal from RUSM

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3.2.2 USMLE FIELDS The following is information on completing USMLE application fields. Name: This is very important, as you will be registered with ECFMG and eventually licensed under this name. [See above section: Applying for ECFMG Number]

Ø The spelling and order of the names on your scheduling permit must match exactly the spelling and order of the names on the form(s) of identification you present at the test center. Additionally, this name should match the name to be placed on your diploma. Name discrepancies may create licensing problems in the future. If you should change your name, you will need to submit certified documentation to both RUSM and ECFMG. Please use the name that you currently have on a government issued ID. If you wish to change it in the future, you may do so by submitting the appropriate documentation after you have sat for this 1st attempt.

Address and Telephone Number:

Ø USMLE results are now emailed to students and available on the www.ECFMG.org OASIS self-service website, however other ECFMG correspondence will be mailed. Be sure it is an address where you can receive your mail in a timely fashion. Be sure to notify ECFMG if you move before you receive your results.

Ø A country code is not required, unless you live outside the country.

Eligibility Period and Testing Region:

Ø Testing region should be marked as the United States/Canada unless you wish to sit for the Step 1 exam outside of the United States/Canada and therefore will pay an additional fee.

Ø In order to be eligible for certification for the USMLE Step 1 by Ross University, you must have

successfully completed the Basic Science curriculum, be enrolled in the 5th semester AICM course and have passed the NBME Comp with a score of 66 or higher.

Ø For students that passed the COMP on 4/19/2013, you are required to apply for a three month eligibility window no later than 08/01/13 – 10/31/13. RUSM policy dictates that you must sit for the USMLE Step 1 within 6 months of becoming eligible. This eligibility ends on October 31, 2013. Therefore, you are required to choose a window that ends by your eligibility requirement. No exceptions to this policy will be made.

Ø If you fail to sit by 10/31/13, you will be administratively withdrawn from RUSM, which will

remain on your record. If you are reaccepted to the University, you will not be able to extend your original USMLE registration, but must reapply for the window indicated in the reacceptance letter, paying the application fee for the new registration. This may impact your clinical start date and Match date. Please note that if withdrawn from RUSM, you will not be eligible for a special rotation. Additionally, applying for an LOA in no way approves you for an extension on sitting for your USMLE Step 1 by the indicated deadline. Students must prepare a study program and/or take a review course that will be completed in time to sit by the end of this eligibility period.

Ø If you should fail the first USMLE Step 1 attempt, you will then have up to 2 additional attempts

to be completed by 4/30/14. No exceptions to this policy will be made.

Ø A few of the reasons for this 6-month policy are as follows: • Compiled statistics have shown that the longer students are away from their medical education, the lower

the passing scores and the lower their chance of passing on their first attempt.

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• All gaps in your curriculum must be explained and detailed when applying for state licensure. While a small gap may be acceptable for the purpose of taking the boards, it is best to keep this limited. Please note that all gaps must be indicated on your future ERAS and licensure applications. Failure to do so may result in the loss of your residency program.

• Your current and previous student loan status will be affected, as you may not be deferred for your student loans after the 16-week vacation period. Grace period and repayment of student loans will be retroactive to your last date of the AICM program if you fail to begin clinical rotations by the end of the vacation period. This is explained in further detail in this guide.

• To assist in maintaining the study structure from the campus. Once you begin clinical rotations, you will encounter many distractions to your studying. It is imperative that you continue on a regimented study plan, and having a deadline will help you organize your study habits as well as understand the importance of the exam for advancement into your medical career. You should prepare for the USMLE Step 1 as you would for any Basic Sciences course with the sitting date considered as your final exam date.

Medical School Name and Address: You must list P.O. Box 266, Portsmouth, Dominica, West Indies as the University address.

Ø In order to apply through ECFMG, you must be registered at a university that is listed in the International Medical Education Directory or IMED. Each university is listed under their country of origin, and therefore the Dominica address must be used when completing the application. ECMFG will return all applications without the correctly designated university address.

Medical School Information: List your attendance dates as your matriculation date to your “Anticipated Graduation Date” (AGD).

Ø Indicate that you have attended at least 2 academic years of education or ECFMG will reject your application as ineligible. If you are a transfer student, see below.

Ø For students in the February 2013 AICM class, your anticipated graduation date and date you will

receive your diploma should be listed as 05/31/15. This will be adjusted as you enter your 4th year of Medical school to reflect a more accurate date.

Ø RUSM has five graduation dates and one graduation ceremony per year. The graduation dates

currently are 3/31, 4/30, 5/31, 6/30 and 11/30. Students completing all requirements by 6/30 will be invited to the graduation ceremony held in June each year. Students completing after June 30 will be invited to the following year’s ceremony.

• Please note that in order to be ECFMG certified by July 1st in the Match year, the latest

graduation date you must qualify for is 5/31 of the Match year. If able, students should attempt to qualify for the 3/31 graduation date for the Match year to ensure timely processing for ECFMG certification.

• Student loans will go into repayment based on the date of completion of all clinical rotations, not based upon your graduation date.

Ø This anticipated graduation date will be adjusted during your clinical curriculum to reflect the next graduation date available after completing all clinical rotations and required boards.

Ø The title of Medical Degree you will receive is “M.D.” or “Doctor of Medicine.” Ø The number of years attended is the total of the program, four (4) years.

Ø You are not required to complete an internship prior to graduation.

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Transfer Credits: If you are a transfer student, you are required to submit 2 official copies of your transcript to ECFMG from your transfer institution. Ross University cannot and will not be able to submit this on your behalf. ECFMG has a new transfer policy regarding ECFMG certification. Please review this policy on their website. 3.3 USMLE APPLICATION PROCESSING AND SPECIAL ROTATIONS

Ø Once your application has been processed by ECFMG and Ross has verified your status online through EMSWP, a scheduling permit will become available to you via email from ECFMG. This may take up to one (1) week after the status verification (EMSWP) is received by ECFMG. You may track the status of your application on the ECFMG website through OASIS.

• Please keep a record of your ECFMG number. You will use it for every future test and correspondence with ECFMG.

• The scheduling permit will indicate the three-month period of eligibility. Be sure to keep the scheduling permit in a secure location.

• Loss of a permit may require that you cancel the scheduled testing appointment and reschedule once a replacement permit has been received. Call a testing site near you to schedule a test date.

Ø You will have eight (8) weeks from receiving this email to notify us of your test date by submitting the

“Scheduled USMLE Test Date Notification” form on MyRoss or by forwarding your Prometric email confirmation of your scheduled test date to the Registrar@RossU.edu email address. You may be administratively withdrawn should you fail to do so.

Ø Special Rotations: Before the Office of Clinical Sciences will check for special rotation availability at any

clinical training site, the Office of the Registrar must first approve that you are eligible to start a clinical rotation prior to receipt of Step 1 scores. You will not be eligible to schedule a special rotation without prior approval from the Office of the Registrar. In order to be considered for a special rotation you must be a student in good standing, have a cumulative GPA ≥ 3.0 and you must have confirmation of your USMLE Step 1 sitting date (Prometric confirmation) available for submission. The Office of the Registrar will determine if you are eligible to attend a special rotation and if eligible, your request will be forwarded to the Office of Clinical Sciences for availability, health clearance and scheduling. The special rotation must be scheduled to begin within 30 days of your Step 1 sitting date.

Ø All special rotation requests can be submitted to the Office of the Registrar at SpecialRotations@RossU.edu. To ensure that we approve your request in a timely manner, please be sure to include in the subject line: “Request for Special Rotation.”Please note that submitting these requests directly to the Office of Clinical Sciences will only delay the approval process; all requests must be submitted directly to the Office of the Registrar for review of eligibility requirements.

Ø Students who fail the USMLE Step 1 exam on their first attempt are not eligible for a special rotation

after their second attempt and must wait until receipt of passing scores before being advanced into the clinical curriculum. Additionally, students who apply for a special rotation to begin more than 30 days after sitting for the USMLE Step 1 are required to wait for their passing USMLE results before they may begin a clinical rotation.

Ø Approximately 4-6 weeks after taking the exam, you will receive a USMLE score report via email.

Important: Whether you pass or fail, you must forward your score report (both sides, including Performance Profile) to the Office of the Registrar by email at Registrar@RossU.edu or fax (732-509-4820). You will not be placed back into active status without clearance from the Office of the Registrar.

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Ø Please note: Do not forward your scores to the Office of Clinical Sciences; you will not be given

priority status on scheduling. All scores must be received and processed by the Office of the Registrar, which typically takes 3-5 business days. The Office of the Registrar will notify the Office of Clinical Sciences that you are eligible and cleared to be scheduled once passing scores are received and processed.

• Should you fail to submit the copies of the score report (pass/fail) within 30 days of receipt of

scores, you will be subject to administrative withdrawal from Ross University. Ø If you fail Step 1 on your first attempt, you have one (1) year from when you became eligible or up to two

(2) additional attempts to pass, but you must reapply for the exam by following the same procedures, including payment of the appropriate fee(s).

3.4 NBME SELF ASSESSMENT TEST ECFMG has a self-assessment service. Below is an excerpt from the www.ecfmg.org website. Please view that website for further information. Web-Based Self-Assessment Service The National Board of Medical Examiners® (NBME®) has a web-based self-assessment program for basic science content for U.S. and international medical students and graduates.

The Comprehensive Basic Science Self-Assessment (CBSSA), available now, uses multiple-choice items based on information typically covered during basic science medical education courses in the United States. The content of the CBSSA items resembles the content of those in Step 1 of the United States Medical Licensing Examination (USMLE). For more information, to view a sample assessment, or to purchase an assessment, visit the NBME Self-Assessment Services web page.

3.5 PREPARING FOR THE NRMP MATCH

Ø In order to meet any year’s Match, you must be scheduled to complete all 90 weeks of the clinical curriculum no later than 5/31 of the Match year and sit for all required boards by 12/31 the year prior. Ideally, meeting the 3/31 graduation date better ensures that you will be ECFMG certified by July 1st. The clinical curriculum includes the 12-week AICM course and any special rotations that you may complete prior to passing the USMLE Step 1.

Ø Please Note: Once you have completed the 12-week AICM program, each of you will progress at a

different rate. Clinical rotations are assigned on a rolling basis based on when you pass the USMLE Step 1. It is never easy to project which year’s Match you will apply to based on when you sit for the USMLE Step 1, as many variables will affect this date. Not only will each of you sit for the boards at different times and begin clinical rotations at different times, you will also have gaps in your schedule based on the site, the availability of a rotation and time taken off to study for Step 2 CK and CS (limited to 6 weeks (LOA) to study for the Step 2 CK and CS). This in no way implies that you are behind in your curriculum, as each AICM class will naturally fall into different Match years based on the above mentioned variables.

Ø If you do not complete all of the requirements to meet a particular years Match, you will not be losing a years-time waiting for the next year’s Match, as there will be many things you can do to prepare, such as:

• Completing the graduation requirements • Interviewing at programs • Preparing and completing the NRMP Match application process • Waiting results of the Match in March

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• Preparing for move to residency location • Attending graduation ceremony

Ø While many of you will be attempting to meet a particular Match year, more importantly your focus

should be on your preparation to obtain a good score on the boards and good grades in your rotations. This will contribute more toward your gaining a desired residency than trying to complete your clinical curriculum for a particular Match year.

3.6 ENROLLMENT STATUS AFTER COMPLETING THE AICM COURSE 3.6.1 VACATION: (04/26/13 – 08/18/13) Ø Immediately after completing AICM, your status will change to Vacation (VA) status for up to 16 weeks in

which students remain fully enrolled. Ideally, you should sit for the Step 1 exam, submit your scores to the Office of the Registrar, and begin rotations before the end of this period to avoid a change in your enrollment status.

• This 16-week vacation is a Department of Education approved gap in your clinical curriculum.

Once you begin a special or clinical rotation after AICM, the vacation period is no longer available.

• If rotations have not begun by 08/19/13, your status will revert to temporarily withdrawn (TW), retroactive back to your last date of attendance [04/26/13]. Extending your USMLE window, not yet being eligible for Step 1, late application or any other reason will not extend your enrollment status with RUSM.

3.6.2 APPROVED LEAVES OF ABSENCE: (04/26/13 – 10/27/13) Ø If you do not anticipate beginning your first clinical rotation on or before 08/19/13, you do have the option to

apply for an approved leave of absence (LOA).

• LOAs can only be approved for up to 180 days from your last date of attendance in AICM. To qualify for an approved LOA after AICM, you must be on track to begin your first clinical rotation on or before 10/28/13.

• An LOA does NOT approve you for an extension of sitting for the USMLE by the required deadline. • If you do not begin rotations by 10/28/13, your status will revert to temporarily withdrawn (TW),

retroactive back to your last date of attendance [04/26/13]. • You are not eligible for an LOA if you have had one within the past 12 months. You also must be in

good standing before being approved for an LOA. • Student loans can be deferred during this LOA status, but you will not be eligible for any additional

financial aid that requires an enrolled status. • Clinical LOA applications can be found at www.RossU.edu/MyRoss. LOA applications must be received

before your 16 week vacation period ends on 08/18/13. • Once you have passed USMLE Step 1 and obtained a clinical schedule, please go to MyRoss and print

the enrollment verification letter and mail to your lenders in order to be placed back on in-school deferment status with your lenders.

• This will be considered a gap in your curriculum that must be accounted for and disclosed when applying for the Match and state licensure.

3.6.3 TEMPORARY WITHDRAWN STATUS (TW) & GAP DISCLOSURE FORM Ø If you do not begin your first clinical rotation on or before 08/19/13, regardless of reason, your status will

revert to temporarily withdrawn (TW) status retroactive to your last date of attendance [04/26/13], unless you have been previously approved for an LOA.

• According to Federal regulations, a student must be enrolled at least half-time in order to obtain a

loan or defer repayment of previously borrowed student loans. Student loans cannot be deferred

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during TW status, nor will you be eligible for any financial aid that requires an enrolled status. You will be placed on a grace period with your lender while in TW status.

• If you have exhausted your grace period, you are advised to contact your lenders. When calling, indicate that you would like to request forbearance or a deferment based on economic hardship.

• You will remain in TW status for up to one year from your determined USMLE eligibility start date. • If in TW status, you must complete a gap disclosure form after passing the USMLE Step 1 and

receiving a clinical schedule, in order to be placed back into active status with RUSM. The gap disclosure form must be submitted through myRoss.

• Once you have passed USMLE Step 1 and obtained a clinical schedule, please go to myRoss and print the enrollment verification letter and mail to your lenders in order to be placed back on in-school deferment status with your lenders.

• This will be considered a gap in your curriculum that must be accounted for and disclosed when applying for the Match and state licensure.

3.7 CLINICAL CURRICULUM REGISTRATION

Ø Your clinical rotation schedule determines your official enrollment status with RUSM. Your financial aid disbursements, semester tuition, USMLE eligibility and graduation date is determined by your RUSM clinical schedule. It is your responsibility to keep your clinical advisor informed of any changes to your clinical schedule; particularly any rotations that may be obtained outside of the Office of Clinical Sciences. View your clinical schedule on the MyRoss website frequently to ensure an accurate clinical schedule.

Ø During your clinical curriculum, you will be notified by the Office of the Registrar via email of any time

that your RUSM clinical schedule shows more than a 30-day gap or if your schedule shows you are not currently in rotations. You will be required to either notify your RUSM clinical advisor of scheduled rotations or complete paperwork to cover the gap period.

Ø Gaps are often used to study for Step 2 CK or CS; please note that Leaves of Absence (LOA) must be received and approved before gap in schedule begins. Gap Disclosure forms will be required anytime students enter a TW status during their clinical curriculum. Gaps in your curriculum (both LOA and TW) must be accounted for and disclosed when applying for the Match and state licensure.

Length of Gap Enrollment Status

Up to 4 weeks AS (Active) 5-10 weeks TW (Temporarily Withdrawn)

or LOA if approved by Office of the Registrar 11-26 weeks TW (Temporarily Withdrawn)

or LOA if approved (Only in extenuating circumstances). May be subject to AW (Administrative Withdrawal).

More than 26 weeks AW (Administratively Withdrawn) No exceptions.

3.8 STEP 2 CLINICAL KNOWLEDGE (CK) AND CLINICAL SKILLS (CS) EXAMS

Ø You are eligible to be certified to take the USMLE Step 2 CK provided that you have passed AICM, the USMLE Step 1 exam, and are actively enrolled in semester 6-10of the clinical curriculum (please see above table on how gaps may affect your enrollment status). Students must pass Step 2 CK/CS in a maximum of three attempts, and within three calendar years of becoming eligible. If you fail to pass within three attempts, you will be dismissed from RUSM.

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3.8.1 APPLYING FOR THE USMLE STEP 2 CK/CS AND EMSWP STUDENT WEB PORTAL

• Once you are eligible to apply for the Step 2 CK and CS you may do so at the ECFMG website, www.ecfmg.org. For Step 2 CK you will choose a three month window based on when you plan to take the exam, for the Step 2 CS you will receive a year of eligibility in which to take the exam.

• If you have previously submitted Identification Form 186 to the Office of the Registrar you will not be required to re-submit that form, it is valid in the ECFMG database for five years from submission. After you apply online, ECFMG will process your application and place it on the EMSWP student web portal for in-school status verification. ECFMG will notify us that your application is pending in-school status verification; you do not need to notify us directly after you applied. Please allow 5-7 business days from the date ECFMG sent your information to us for your status to be verified online.

• Once your application has been processed by ECFMG and Ross has verified your status online through EMSWP, a scheduling permit will become available to you via email from ECFMG. This may take up to one (1) week after the status verification is received by ECFMG. You may track the status of your application on the ECFMG website through OASIS.

• You will be notified by ECFMG once your USMLE application has been certified online. You will have eight (8) weeks from receiving this email to notify us of your test date by submitting the “Scheduled USMLE Test Date Notification” form on MyRoss or by forwarding your Prometric email confirmation of your scheduled test date to the Registrar@RossU.edu email address.

Ø Within 4-6 weeks after taking Step 2 CK (three months after taking Step 2 CS), you will receive a

USMLE score report via email. Important: Whether you pass or fail, you must forward your score report (both sides, including Performance Profile) to the Office of the Registrar by email at Registrar@RossU.edu or fax (732-509-4820).Passing Steps 1 and 2 CK and CS (Clinical Skills) of the USMLE are requirements for graduation and acceptance into residency training.

3.9 TRANSCRIPTS AND CLINICAL GRADES Ø During your clinical science curriculum, you will not automatically receive a copy of your grades. You will be

notified via email by the Office of the Registrar when your clinical grade evaluations are received and when your grades have been posted. You may view your grades on the myRoss website once they have been received and processed. An official transcript request is also available at the www.RossU.edu/myRoss website.

Ø Clinical grade evaluations are received from your rotation site at various intervals. In order for your grade to

be recorded, all clinical evaluations will be verified by the Office of the Registrar. All evaluations must: • Include valid enrollment information (clinical rotation title, start/end dates, hospital information)

consistent with official student schedule. • Be completed and signed by the preceptor at the end of each clinical rotation. Any evaluations

received signed prior to the end of the rotation will not be valid. • Include a signed statement from the Director of Medical Education (DME). • Be mailed directly from the rotation site to the RUSM Office of Clinical Sciences. • Faxes will NOT be accepted for grading purposes.

Ø Students are evaluated on ten different measures: I. Tenets of Medicine:

1. Knowledge of Medical Sciences 2. Critical Thinking and Analysis

II. Patient Care: 3. Gathering and Reporting Information 4. Diagnostic and Interpreting Skills 5. Application of Clinical Knowledge

III. Professionalism:

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6. Work Ethic and Teamwork 7. Appearance and Demeanor

IV. Interpersonal and Communication Skills: 8. Interpersonal and Communication Skills

V. Improvement and Practice-Based Learning: 9. Improvement and Practice-Based Learning

VI. Systems-Based Practice: 10. Systems-Based Practice

Ø Each category is assigned a number grade of 0-4. For rotations with direct patient contact, the points (40 maximum) will be added and the total divided by 10. For rotations which do not entail direct patient contact (e.g. pathology, radiology), the three ratings on II (Patient Care) and the rating on IV (Interpersonal and Communication Skills) may remain ungraded. Calculation of the final grade will be determined using a modified denominator (e.g. 6 if II and IV are both completely omitted).

Ø The student's final grade on the transcript will be as follows: 3.70 - 4.00 A

3.30 - 3.69 B+ 2.70 - 3.29 B 2.30 - 2.69 C+ 1.70 - 2.29 C

<1.70 - F Ø This grade is then applied to the number of weeks of the rotation to determine the Cumulative GPA. Ø Any student who receives 2 or more Fs on the Clinical Clerkship Evaluation of Medical Performance form

will fail their rotation regardless of the point calculation and must repeat the rotation. Ø For a grade change, a new evaluation must be completed by the original evaluator and submitted with a

letter signed by the evaluator, stating that the new evaluation is in lieu of the previously submitted evaluation.

Important Immigration information for International/Canadian students

Ø As you advance through your clinical curriculum in the United States, you should verify that your passport is valid and ascertain whether you are required to obtain a visa prior to your entry. A foreign medical student may enter the United States as a B-1 business visitor if he or she intends to participate in a clinical curriculum clerkship at a U.S. hospital that is affiliated with a U.S. medical school.

Ø Each foreign student, including Canadian citizens, must have a passport that is valid for at least six months beyond the period of admission to the United States. International students who are not U.S. citizens or permanent residents may also need to obtain a B-1 visitor’s visa from a U.S. consulate. Canadian citizens are exempt from the visa requirement. All foreign students, however, are required to document the reason for their visit to officers of the U.S. Customs and Border Protection at the port-of-entry. The Office of the Registrar will provide, at your request, a letter verifying your enrollment at Ross and participation in clinical clerkships that you may supply to officers at the border. You may submit a request for this “immigration letter” via AskRoss by logging into myRoss at www.RossU.edu/myRoss/ and clicking on the AskRoss link in the upper right-hand corner.

Ø In the past, some students have retained the services of Charles J. Favata, a U.S. immigration attorney who has a long-standing relationship with Ross University. You may telephone him at 914-481-8380 or email him at favata@attglobal.net. You may retain Mr. Favata or any other attorney to ensure proper preparation of the documents that relate to your particular situation.

4.0 TIMELINE GUIDE FOR RUSM STUDENTS 3RD AND 4TH CLINICAL YEARS When: What: Where: Don’t forget: Helpful Hints: March/April the year prior to the NRMP Match

Review the Pre-Residency Planning Guide for important requests and deadlines

Available on the www.rossu.edu/myRoss site.

To prepare a CV and Personal statement

The OSPD Dept., not the Office of the Registrar, handles MSPE and ERAS Match information.

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As early as beginning 6th semester after passing AICM and USMLE Step 1

Apply for the Step 2 CS exam

Apply online at the www.ECFMG.org website.

To be eligible to sit you must pass the AICM course, USMLE step 1 and be actively enrolled in semester 6-10 of the clinical curriculum.

Don’t wait until the last minute as available dates fill up fast towards the end of the year; must sit by 12/31 the year prior to the Match year in order to participate in Match; should apply within 6 months of eligibility

As early as beginning 6th semester after passing AICM and USMLE Step 1

Apply for the USMLE Step 2 CK

Apply online at the www.ECFMG.org website, at least 4 weeks before requested window.

To be eligible to sit you must pass the AICM course, USMLE step 1 and be actively enrolled in semester 6-10 of the clinical curriculum.

Don’t wait until the last minute as available dates fill up fast towards the end of the year; must sit by 12/31 the year prior to the Match year in order to participate in Match; should apply within 6 months of eligibility.

At least one month before a gap in your clinical rotations

Apply for an LOA Forms are available on the www.rossu.edu/myRoss site.

If you have a gap of more than 30 days, you must apply for an LOA or you will be placed on TW status and will then need to disclose the gap.

Always inform the Office of Clinical Sciences of your schedule to ensure timely processing of Financial Aid, student loan deferments and graduation audit

Upon receipt of board scores

Submit copy of front and back of score report to the Office of the Registrar within 30 days of receipt

Forward your email with the USMLE results to Registrar@RossU.edu or fax to 732-509-4820. Must do so within 30 days of receipt.

Your anticipated graduation date will be affected by sitting date of passing board scores.

Submit your board scores, whether you pass or fail, as soon as you receive them to avoid delays on graduation audit processing

At all times during clinical rotations

Update of address and email address to RUSM

Update on the www.rossu.edu/myRoss site. Absolutely no changes will be made over the phone.

You will receive an email indicating you are eligible for graduation and directing you to the online graduation materials; both Registrar and OSPD use email to deliver important information.

We receive many returned items with inaccurate email addresses. Be sure to update your preferred email address via MyRoss.

When: What: Where: Don’t forget: Helpful Hints: Each July Anticipated

Graduation list is prepared for students anticipated to complete all graduation requirements through 6/30 of

Office of the Registrar In order to be certified for a July 1st residency, you must complete all rotations by 5/31 of the Match year.

Clinical semesters are 15 weeks of rotations. Financial Aid, board eligibility, and graduation is based on the clinical schedule on record; always inform the Office of Clinical Sciences of your scheduled rotations.

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following year

5 months prior to anticipated graduation date

You will receive an email indicating you are eligible for graduation and directing you to the online graduation materials.

To RUSM email address and email address listed on system.

To ensure an accurate graduation list, please be sure to return graduation materials by the deadline and submit scores and sitting dates of boards to provide accurate eligibility for graduation.

Follow up through the Office of Clinical Sciences by viewing MyRoss to ensure all clinical evaluations have been received.

Upon receipt of graduation application and completion of degree requirements

Degree Audit Office of the Registrar All original, correctly completed evaluations, board results, and all financial and administrative paperwork must be received.

Follow up through the Office of Clinical Sciences by viewing MyRoss to ensure all clinical evaluations have been received. If evaluation corrections were needed, verify they have been completed.

Graduation Date

A copy of diploma and transcript will be submitted to OSPD for ECFMG Certification for all cleared students.

Office of the Registrar Diploma copy will not be released prior to graduation date, if any requirement is pending and if audit has not been completed.

If you will be completing a rotation the week before your graduation date, have the hospital coordinator mail the evaluation to the Office of Clinical Sciences. ASAP

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Office  of  Student  Finance  

Information  Guide  

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SECTION 4: OFFICE OF STUDENT FINANCE

4.1 STUDENT FINANCE CONTACT LIST Office of Student Finance 630 U.S. Highway 1 Suite 300 North Brunswick, NJ 08902 Phone (732)509-3051 Fax (732)509-4821 FinAid@RossU.edu Jennifer Dennis, University Director of Student Finance Teresa Pupo, Associate Director of Student Finance Julie Burgio, Student Finance Team Lead Lucibel Cabrita, Student Finance Analyst Giang Le, Student Finance Systems Coordinator Financial Aid Counselors Last Name Counselor A-C Nottoya Thelusma D-I Danielle Fiorentino J-M Yudisney Leung N-R Jaya Patel S-Z Jo-Ann Singh New Students Nigel James Student Accounts Staff Anson Pope, Associate Director of Student Finance Letecia Taylor, Student Finance Systems Coordinator Jenniffer Rosario, Student Finance Collections Analyst Cortney Wortman, Student Finance Analyst Felicia Mitchell, Student Finance Analyst Denise Coady, Student Financial Systems Coordinator Miramar Location – Student Finance Staff Alvaro Rosales Dominica Location – Student Finance Staff Hilary Joseph Desmond Warrington Alida Peter Thomason Francois Synergy – Student Finance Staff Please contact your student finance counselor by emailing FinAid@RossU.edu Contact Us • Submit an inquiry/incident through the AskRoss Button on the homepage at

www.rossu.edu/myross

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• Email Financial Aid questions to FinAid@RossU.edu • Email Student Account questions to Bursar@RossU.edu 4.2 BEGINNING THE FINANCIAL AID PROCESS

Filing the FAFSA (Free Application for Federal Student Aid) U.S. citizens, permanent residents and eligible non-citizens must complete the Free Application for Federal Student Aid (FAFSA) at www.fafsa.ed.gov each school year. When completing the FAFSA be sure to include the school code for Ross University School of Medicine: G22460. All students should have completed the 2012-2013 FAFSA for the current semester. If you have not filed but are interested in financial aid for the current semester, please complete the 2012-2013 FAFSA at www.fafsa.ed.gov. The 2013-2014 FAFSA is available for completion. Please complete this by March 31, 2013. After your FAFSA has been processed by the Department of Education, you may be required to submit additional information, such as citizenship documentation or income verification. The Office of Student Finance will notify you if you are required to submit additional information. The FAFSA determines financial aid eligibility for Federal student loans; it is not a loan application. The Office of Student Finance will email students an award letter with loan instructions once the student is eligible to receive financial aid.

4.3 FEDERAL LOANS AVAILABLE Types of Aid Direct Unsubsidized Stafford Loans • Unsubsidized Loans do accrue interest while the student is in school • Interest rate as of July 1, 2012 is a 6.8% fixed interest rate • You may capitalize the interest while you are in school and pay it later. However, it is best to pay the

interest while you are in school. Please contact your loan servicer to make this arrangement Loans first disbursed July 1, 2012 – June 30, 2013 are subject to Federal origination fees. The origination fee for the Direct Stafford loan is 1.0%. Direct Graduate PLUS Loan • Similar to the Unsubsidized Loan • Interest accrues while you are in school • Payment is deferred while in school • 6-month grace period on Direct PLUS loans disbursed after July 1, 2010 • Fixed Interest rate of 7.9%

Loans first disbursed July 1, 2012 – June 30, 2013 are subject to Federal origination fees. The origination fee for the Direct PLUS loan is 4.0%.

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4.4 CANADIAN / INTERNATIONAL STUDENTS Loan Options Canadian students may be eligible for loans through the Canadian government and/or private loan programs. Please refer to the Financial Planning Guide for Canadian Students, which is available online at: http://www.rossu.edu/documents/FinancialAssistanceforCanadianUpdated.pdf for more information. International students on an eligible student visa are not eligible for Federal loan programs but may apply for private loans through US banks with a U.S. cosigner. Please contact the Office of Student Finance for private lender options. 4.5 UNDERSTANDING NSLDS- HOW MUCH DO YOU OWE? The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s central database for student aid. NSLDS provides a detailed summary of all Federal loans borrowed. NSLDS does not include information on any private loans. Private loan information can be found on the actual lender’s web site. The Department of Education chose five companies to service the Federal student loans. These servicers are ACS, FedLoan Servicing (PHEAA), Great Lakes, Nelnet, and Sallie Mae. The loan servicer is who students want to contact regarding postponing payments and repayment of the loan. To gain perspective on your loan debt, log in to the National Student Loan Data System (NSLDS) at www.nslds.ed.gov to view your Federal loan history. To help you better estimate the size that your monthly loan payments for your current loan debt, as well as the estimated annual salary required to manage them, utilize Financial Awareness Counseling by logging in to www.studentloans.gov. 4.6 WHAT TO DO WHEN YOU ARE IN TEMPORARY WITHDRAWN STATUS

• Stafford Loans have a 6-month grace period • Direct Graduate PLUS loans disbursed AFTER July 1, 2010 have a 6-month grace period • Graduate PLUS loans disbursed PRIOR to July 1, 2010 go into repayment once you drop below half-

time status. This is the loan you need to make an arrangement to postpone payments, which is called a deferment.

• Contact your loan servicer to apply for an economic hardship deferment • Maximum time limit is 36 months • You must re-apply for an economic hardship deferment every 12 months, however once you enroll in

clinical rotations, you can put your loans back on an in-school deferment • Complete a Stafford and PLUS COMBINED EXIT interview at www.nslds.ed.gov

4.7 WHAT TO DO WHEN YOU START YOUR FIRST CLINICAL ROTATION

q RUSM is part of the National Clearing House. Your Federal loan servicers will be notified of your in

school status when you start your first clinical rotation. Notify your private lenders of your enrollment status by sending the lender an enrollment verification letter.

q You can also manually put your loans back on an in-school deferment To do that:

§ Print an enrollment verification letter from and send a copy to the Federal Loan SERVICER and to any private lenders

§ View your loan servicers at www.nslds.ed.gov

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4.8 SPECIAL ROTATIONS

q Enable you to begin rotations earlier; Does not allow you to receive financial aid earlier q Upon completion of Advanced Introduction to Clinical Medicine (AICM), a student is placed in a non-

scheduled ("vacation" (VA) status for a period of sixteen (16) weeks. During this period the student is considered to be enrolled, though he or she is not attending classes.

q A special rotation allows students to begin a clinical rotation while awaiting the Step 1 score. Students taking the 3 week elective directly after AICM will remain in the vacation status for the remaining 13 weeks after the elective.

4.9 CLINICAL SEMESTER FORMAT Clinical Terms • All clinical semesters are comprised of 15 weeks of clinical rotations • 5th semester is comprised of 2 parts known as 5M and 5N • 5M is the Advanced Introduction to Clinical Medicine -9 weeks • 5N is the first 6 weeks of clinical rotations • All financial aid is received during AICM so please budget your refund from AICM accordingly. Students

are eligible for financial aid for Semester 6 upon completion of 15 weeks of semester 5, including 9 weeks of AICM and 6 weeks of clinical rotations. Students must have at least 9 additional weeks scheduled after semester 5 without any breaks of 5 or more weeks to receive financial aid for semester 6.

4.10 ADDITIONAL LOANS AVAILABLE

Board Review / Residency & Relocation If you need additional funds during AICM or during the 16-week vacation period after AICM when you are studying for Step 1, some lenders offer private loans to assist with expenses during this period. Residency and Relocation Loans are provided for students entering their second through final year of studies. In addition to your normal financial aid package, certain student loan lenders offer the Residency & Relocation Loans, which provide up to $20,000 to help students pay for exam review classes, internship-residency interviewing and residency relocation expenses. This loan is credit-based with a maximum borrowing lifetime limit of $12,500-$20,000, depending on the lender. Students must be enrolled and need funds to cover the cost of an exam review class, internship/residency interviewing and/or relocation expenses. Documentation of the specific needs may be required when applying for the loan. The school does not certify the loan and the funds will be sent directly to you. You may want to apply with more than one lender so that you may choose the loan with the best interest rate; however each credit pull will result in an inquiry on your credit report. As always, please remember to budget your funds and borrow wisely! Best of luck as you complete your studies. In the past 3 years, Ross University students have received Residency loans with the below lenders. While there may have been more lenders, these are the only two that are still offering these loans to Ross students. *Sallie Mae Global Health Residency and Relocation *Wells Fargo Med Cap Xtra Loan Sallie Mae-Global Health Residency and Relocation Loans Medical students entering their second year and beyond are eligible to receive this loan. The school does not certify the loan and the funds will be sent directly to the student. You can borrow up to $20,000. When asked

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for the graduation date on the online loan application, enter a graduation date within the next year since Ross has an exception allowing our 2nd and 3rd year students to be eligible for this loan. Once the online application is completed and approved, please fax or upload an enrollment verification letter from the My Ross site under the Registrar tab. The fax number for Sallie Mae is 1-888-777-7562 or you can upload the enrollment verification letter directly to Sallie Mae using the web site https://upload.salliemae.com/ . If you choose to upload the document, you will need to scan a copy of the letter and save on your computer. Apply at https://www.salliemae.com/student-loans/global-residency-loan/ Wells Fargo MedCAPXtra Loan for Residency and Relocation (Option A) Medical students are eligible to borrow for residency and relocation expenses, internships, and/or medical boards and clinical exams. The school does not certify the loan and the funds will be sent directly to the student. Students can borrow up to $12,500. (Please print a copy of the loan application and fax to our Registrar at 732-509-4820 to verify enrollment. The original application should be provided to the lender.) Apply at https://www.wellsfargo.com/student/loans/professional/medcapxtraloan 4.11 BUDGETING / DEBT MANAGEMENT When pursuing your medical education, everything is a new experience. However one of the most important factors to be mindful of is your student loan borrowing and how to control the amount of debt you incur. Like any debt, student loans influence your credit and your future. Many students borrow the full amount offered in their award letter, regardless of how much he/she actually needs for tuition and living expenses. Now is a great time to really think about your borrowing and consider various alternatives to medical student loans. Budgeting • Budgeting is about understanding how you spend money, your monthly statements, making major

purchases and more • Live like a college student • Don’t automatically borrow the full amount of loans offered to you- utilize the Student Loan Calculator at

www.rossu.edu/medcalculator • Budget your spending for the entire semester • Evaluate needs vs. wants • Saving today can lead to significant rewards down the road Budgeting gives a clear idea of your current financial situation. It will show if money is not being spent on the guidelines you have set for yourself. Your budget will also show where alterations in spending habits can be made and where you can save money. How Much Do I Borrow?

Utilize the Student Loan Calculator www.rossu.edu/medcalculator to control your debt and only borrow what you need. This tool will support you in estimating your financial aid needs and assist in determining the amount of loans you will need to borrow to cover your expenses. The Graduate PLUS loan is the first loan you would want to reduce since the interest rate is higher than the Stafford loan. The Unsubsidized loan should be reduced next if you want to reduce your loans further. Always remember to only borrow what you need. If you have money leftover and you know you are receiving another refund, you can return funds to us by writing a check payable to Ross University and attaching a note requesting that we return the funds to the lender or submitting a payment via

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www.rossu.edu/medfreepay along with an email to finaid@rossu.edu requesting that we return those funds to the lender. As long as the lender receives the return within 120 days of the date of disbursement, the lender will back date the interest so you are not charged interest on the portion of the loan you return.

Debt Management • Be debt savvy — learn responsible debt management practices, starting with your first student loan and

lasting throughout your life • Build and maintain a good credit rating, you will be well on your way to a solid financial footing • Do not borrow more than you need • Build a strong credit rating by managing your debt wisely, repaying your loans, and understanding your

credit score • Understand your outstanding federal loans by logging on to www.nslds.ed.gov Credit Reports • It is important to check your credit report regularly – Students are a target of identity theft • Obtain your annual, free credit report at www.annualcreditreport.com • Keep your important papers, social security number and pin numbers in a safe place 4.12 STUDENT ACCOUNTS INFORMATION HAVE YOU SIGNED UP FOR DIRECT DEPOSIT?

Sign up for Direct Deposit or a pre-loaded Debit Card at www.rossu.edu/medrefunds for a fast and efficient way to receive your refund.

• Refunds will be issued as long as there are 9 consecutive rotation weeks scheduled into the semester

prior to any breaks of 5 or more weeks in your schedule • Any issues with direct deposits may be resolve by calling technical support Monday through Friday,

9am-9pm at (800) 239-4211 • Remember to update your mailing address on throughout your clinical studies to ensure

appropriate delivery or sign up for Direct Deposit or Debit Card • Tuition and fees are billed 4 weeks prior to the start of the semester • Account summaries may be printed from • Payments options:

ü Pay by checking or savings account via web at www.rossu.edu/medfreepay ü By mail through check, money order or traveler’s check ü By wire transfer ü Online Credit Card Payments (MasterCard, Discover and American Express); 2.65%

convenience fee applies • Health insurance is available to all students and is a mandatory requirement for attendance • While studying for Step 1 you will continue coverage and accrue charges for health insurance for 16

weeks • Continuation of coverage may be extended per request for a period of 36 weeks • Health Insurance coverage may be declined upon submission of a Health Insurance Waiver form

available on • Students have 30 days from the start of the insurance period to opt out of the coverage • Additional Health Insurance Information can be found at http://www.aetnastudenthealth.com

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4.13 FREQUENTLY ASKED QUESTIONS

What is the time frame for semester 5? Every semester is 15 weeks. 5th semester is made up of TWO parts- AICM (Advanced Introduction to Clinical Medicine) (9 weeks) and the first 6 weeks of your first clinical rotation. After I receive financial aid during AICM, when will I be eligible to receive it again? Since the first 6 weeks of your first clinical rotation completes semester 5; semester 6 will begin the seventh week of your first clinical rotation. You will be eligible for financial aid for semester 6 once you have at least 15 clinical rotation weeks scheduled after AICM. Does a special rotation affect my “vacation” status? Upon completion of Advanced Introduction to Clinical Medicine (AICM), a student is placed in a non-scheduled ("vacation" (VA) status for a period of sixteen (16) weeks. During this period the student is considered to be enrolled, though he or she is not attending classes. A special rotation allows students to begin a clinical rotation while awaiting the Step 1 score. Students taking the 3 week elective directly after AICM will remain in the vacation status for the remaining 13 weeks after the elective. What do I do if I do not return to my first clinical rotation before the 16-week vacation period ends? If the student does not resume core clinical rotations as scheduled, the student will be placed in in a withdrawn status for financial aid purposes retroactive to the last date of attendance in the AICM course, for up to one year or until he or she passes Step 1 and begins core clinical rotations.

You will be considered withdrawn if you do not start your core clinical rotation by the end of the 16-week vacation period after AICM Some of your loans may go into repayment; however you are able to contact your lender and/or loan servicers to review your options to postpone payments while you are considered not enrolled in school. To assist you with understanding your obligations, you will want to review your loans, and determine who will service your loans. The National Student Loan Data System (NSLDS) is a central database that stores all your federal student loan information. This provides you with a bottom line total of your federal student loans from when you first started school until the present. You will be able to view the type and amount of each federal loan borrowed, the loan status, and the name, address, and telephone number of the loan holder - details that will come in handy when you begin repaying their loans. NSLDS does not include any private loans you may have borrowed. If you borrowed private loans, you will want to visit your lender’s web site for information. Since you will not be consider enrolled, you are required to complete an Exit Counseling at www.nslds.ed.gov. In addition, your student loans will enter repayment or grace period. Please contact your loan servicer for deferment or forbearance options. You may be considered enrolled in school once you resume your clinical rotations. Please send your lender and/or loan servicer an enrollment verification letter from My Ross to put your loans back on an in-school deferment.

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You will apply for financial aid again prior to starting semester six. How much financial aid can I receive? For the 2012-2013 award year, the ESTIMATED cost of attendance for Medicine Clinical is $31,108. This amount is intended to cover tuition, fees, health insurance, books and supplies, transportation and other reasonable living expenses. Your total financial aid package, including scholarships, grants, tuition waivers, federal loans and private loans, cannot exceed this amount. What if the refund is not enough to cover expenses? The amount of financial assistance students are eligible to borrow each semester is based on the school’s standard cost of attendance. The cost of attendance includes tuition and fees, room and board, books and supplies, personal expenses, health insurance, and transportation. The refund you receive at the start of semester five should be budgeted to cover your expenses for the full semester (15 weeks). There may be additional credit-based private loans students qualify to receive, but please contact the Student Finance office to discuss the various options. Please review Section 4.10 in this reference guide- Additional Loans Available. When will I need to apply for new Federal loans? Once you obtain an initial schedule, the Office of Student Finance will email you an award letter with loan instructions providing the details on how to apply for future loans for semester 6 going forward. What do I need to do now?

• Focus on Step 1 Preparation • Make sure your 2013-2014 FAFSA is completed by March 31, 2013 • Apply for a Residency Loan now or prior to the end of your 16-week vacation period if extra funds are

needed. You will also be eligible to apply for these loans when you are in semesters 6-10. • We will send you an award letter and loan instructions once you receive your initial schedule. This is

the next time you will need to complete Federal loan applications Can I get financial aid to purchase a new computer? Yes. You may be eligible for a one-time increase in your cost of attendance to cover the purchase of a new computer up to $2,500. You must submit a request in writing to the Office of Student Finance. Your request must include proof of purchase, such as a receipt or invoice that includes the purchase amount. If your request is approved, the Office of Student Finance will increase the amount of your Direct Graduate PLUS Loan or private loan up to the full cost of your computer purchase. We cannot increase your Direct Unsubsidized Stafford Loan if you have already received the maximum. Please note: You may only receive a cost of attendance increase for the purchase of a computer once during your education at Ross. If you received a cost of attendance increase for a computer in the past you may not request another one..

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How do I get my refund via direct deposit or a preloaded debit card? To become eligible for Direct Deposit or a pre-loaded debit card please complete the information at www.rossu.edu/medrefunds for a fast and efficient way to receive your refund. Please have your account information handy to expedite this process. Does my health insurance coverage get canceled after AICM? Health insurance is billed for the following periods: January-April, May-August, and September-December. After AICM, students do retain and are billed for health insurance automatically for one additional period. An electronic invoice will be sent monthly reminding students of the balance until the balance is paid, since financial aid does not cover this charge. After this one additional coverage term, if students do not return for their clinical rotations, health insurance coverage can be extended by contacting bursar@rossu.edu and requesting the coverage be continued. This additional coverage will be billed and health coverage will remain enrolled. The additional coverage can be requested for two periods after the automatic enrollment after AICM. It is important to remain enrolled in health insurance coverage prior to clinical rotations since titers and immunizations are required prior to beginning clinical rotations.

Additional Health Insurance Information can be found at http://www.aetnastudenthealth.com.

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Office  of  Student  and  Professional  Development  

Guidelines  and  Tips  for  AICM  Students  

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SECTION 5: OFFICE OF STUDENT AND PROFESSIONAL DEVELOPMENT

5.1 WHAT IS THE OFFICE OF STUDENT AND PROFESSIONAL DEVELOPMENT….AND WHAT CAN YOU DO FOR ME?

The Office of Student and Professional Development (OSPD) advises students in residency preparation, and assists graduated students by facilitating their ongoing post-graduate professional pursuits. The team’s directors each have over a decade of experience working with Ross students. They understand the unique and sometimes subtle nature of the medical climate as it pertains to a Ross student and the issues students face. By understanding the medical and residency landscape, Student and Professional Development helps gear students toward designing a landscape for their future careers. The Office also identifies the advantages they have as a Ross student and the challenges they may face with regard to the changing nature of the medical career field. Student and Professional Development advises students on how to be best prepared to enter The National Resident Matching Program and/or specialty matches and provides the necessary credentials for a successful application, including administration of the Medical Student Performance Evaluation, or the MSPE (formerly known as the Dean’s Letter). The Office advises on interview skills, students’ formal application to residency, and on the successful approaches that will represent them best. Serving as a liaison with ECFMG, the Office assures students are ECFMG certified, a culminating validation of their education as being on the level sought in United States medical school curriculums. The Office subsequently administers all verification and licensure documentation for graduated students. We will assist you in preparing for…

– The NRMP Match – Obtaining a MSPE (Medical Student Performance Evaluation) – ECFMG Certification – State Licensure

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5.2 WHO ARE WE?

For more information, please contact… Office of Student and Professional Development Ross University 2300 SW 145th Avenue Miramar, FL 33027 Phone: 732-509-3053 Fax: 732-509-4820 Professionaldevelopment@RossU.edu Greg Brooks gbrooks@rossu.edu Associate Director, Student and Professional Development David Saks DSacks@rossU.edu Associate Director, Student and Professional Development Priscilla Ruiz Pruiz@rossU.edu Administrative Coordinator, Student and Professional Development Eugene Bold Professional Development Advisor, Student and Professional Development Alexis Braddy Professional Development Advisor, Student and Professional Development Georgia East Professional Development Advisor/Senior Writer, Student and Professional Development Nina Suliman Professional Development Advisor, Student and Professional Development

5.3 WHAT IS THE “MATCH?”

• “National Resident Matching Program”

• The process by which the majority of United States and foreign medical students obtain a first-year residency/internship.

• Approximately two thirds of Ross students obtain a residency via the Match during their fourth year of medical school.

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5.4 WHAT IS A MSPE?

• Your MSPE (Medical School Performance Evaluation, formerly the Dean’s Letter) is a comprehensive evaluative letter detailing your educational achievements during medical school. It is not a recommendation letter; rather, it is essentially a written form of your transcript, with transcribed evaluative comments, in detail highlighting your unique accomplishments and/or extracurricular achievements.

o It is an integral part of your ERAS application.

o You will be notified by the OSPD via email once you become eligible to have a MSPE prepared. This will occur after you have completed 36 weeks of clinical rotations or by June the year prior to Match year for those who will graduate no later than June 30th of the Match year.

o When you are notified of your MSPE eligibility, you will have three weeks to submit your request along with your CV and personal statement.

o All comments and grades from evaluations received at the time the MSPE is written will be placed on the MSPE.

o All gaps in your curriculum will be indicated on the MSPE.

5.5 WHAT IS ECFMG CERTIFICATION?

• Per the ECFMG website, “If you are an international medical graduate and wish to enter an ACGME-accredited residency or fellowship program in the United States, you must be certified by ECFMG before you can enter the program.”

• It’s a certification required to obtain an unrestricted license to practice medicine. • Requirements for ECFMG Certification

o Pass USMLE Step 1, Step 2 CK and CS o Graduate and receive medical school diploma

• The Office of Student and Professional Development (OSPD) will automatically begin the ECFMG process once you have graduated and have been cleared by the Registrar’s Office; turnaround time is typically within 4 weeks.

5.6 WHAT CAN I DO NOW TO PREPARE FOR RESIDENCY?

• Prepare carefully and thoroughly for your USMLE Step 1 – It is a vital element in obtaining an interview.

After gaining an interview, the interview becomes the most important factor in Matching. • Be aware that all comments and grades will become a part of the MSPE; be sure to review them

throughout your curriculum. • Ross graduates are eligible for licensure in all 50 states, a few under particular stipulation. Additionally,

some states require additional documentation to be collected as each rotation is completed. For instance:

o California -Requires L6 verification form to be completed by hospital for each rotation. o Illinois - Requires AF-Med verification form to be completed by hospital for each core rotation,

except family practice.

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o Oklahoma - Requires “Clinical Clerkship Verifications” to be completed by hospital for each rotation.

• Some things you can begin to think about include: o What fields of medicine am I interested in? o Where have other Ross students matched? Go to www.rossu.edu, and the School of Medicine

and then click “Residency appointments” o Where do I want to practice? (What state? Practice in a rural, urban, community, or university

setting?)

• Summarized Timeline for 2014 Residency Matching

November 2012 – June 2013 Apply for MSPE upon notification of eligibility from the OSPD April – December 2013 Sit for USMLE Step 2 CK and CS June 2013 Request “Token” from ECFMG (“Dean’s Office”) July 2013 Register with MyERAS July – October 2013 Submit Letters of Recommendation, Transcripts, and MSPE’s

to ERAS August 2013 Begin applying for Residency September 2013 Register with NRMP, CaRMS, San Francisco Match, or AUA

(Urology Match) Sept. 2013 – January 2014 Schedule and Attend Interviews December 31, 2013 Last day to sit for USMLE Step 2 and receive scores in time for

2014 Match March 2014 Match results released; Post-Match SOAP program begins March 2014 – June 2014 Complete State Licensure (can initially apply as soon as you

have graduated and have been cleared) June 2014 Graduation Ceremony July 1, 2014 Begin Residency

5.7 WHAT DOES THIS MEAN? COMMONLY USED ACRONYMS

• AAMC - Association of American Medical Colleges • ACGME – Accreditation Council for Graduate Medical Education • AMA – American Medical Association • AMSA - American Medical Student Association • AOA – American Osteopathic Association • CaRMS - Canadian Resident Matching Service • CV – Curriculum Vitae • ECFMG – Educational Commission for Foreign Medical Graduates • ERAS – Electronic Residency Application Service • FERPA – Family Educational Rights and Privacy Act • FCVS- Federation Credentials Verification Service • IMG – International Medical Graduate • MSPE – Medical Student Performance Evaluation • NRMP – National Residency Matching Program • OSPD – Office of Student and Professional Development • PGY – Post Graduate Year

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• PBL - Problem-based Learning Instructors • SFMP – San Francisco Matching Program • USMLE CK– United States Medical Licensing Examination Clinical Knowledge • USMLE CS - United States Medical Licensing Examination Clinical Skills

5.8 WHERE CAN I FIND MORE INFORMATION? LINKS For details on each process discussed in these guidelines, please read the Pre-Residency Planning Guide which is always available on MyRoss and is updated in late March for the following years Match.

• American Medical Association: www.ama-assn.org • American Medical Student Association: www.amsa.org • Association of American Medical Colleges: www.aamc.org • Canadian Resident Matching Service: http://www.carms.ca • Educational Council for Foreign Medical Graduates/ECFMG -www.ecfmg.org • Electronic Residency Application Service/ERAS: www.ecfmg.org/eras • Federation of State Medical Boards of the U.S.: www.fsmb.org • National Resident Matching Program: www.nrmp.org • San Francisco Matching Program: www.sfmatch.org

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Appendices  

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Section 6: Appendices Appendix A: Requirements for Entry into Clinical Rotations Appendix B: Health Assessment Form

Note: It is each student’s responsibility to ensure that all annual physical examinations, vaccinations, and screenings are up-to-date prior to the start of each rotation.

Appendix C: Request for Rotation at Non-Affiliate Form

Appendix D: Instructions for Students and Sample New York State Eligibility

Application

Note: All students scheduled for clinical rotations within the state of New York must immediately complete and submit this form (found on myRoss) to the New Jersey Office of Clinical Sciences per instructions on myRoss. Failure to submit this document in a timely manner may result in the inability to begin or complete any rotations within the state of New York.

Appendix E: Infection Control Discount Information

Note: Completion of an infection control course must be noted on the New York State Eligibility Application. To satisfy this requirement, students must use Continuing Education Online http://www.proceo.com/courseover.htm.

Appendix F: Blood-borne Pathogens Exposure Policy Appendix G: Incident Report

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Appendix A: Requirements for Entry into Clinical Rotations

Ross University Requirements for Entry into Clinical Rotations

Please review the following items for your entry into clinical rotations. Ross University requires all students to complete a Health Assessment Form prior to beginning clinical rotations. To be cleared for your rotations, you will need a physical examination and a medical history completed by a physician.

Requirements for pre-scheduling of clinical rotations All students are required to submit the following items prior to being scheduled for clinical rotations:

qDocumentation of passing Step 1 Exam

qHealth Assessment Form

qAll titers and lab report – showing actual (quantitative) results for Hep B, Varicella,

MMR

qCopy of immunization records Note: According to hospital and state regulations, all physical examinations and medical records are required to be less than one year old prior to the start of the first day of each rotation. Students are asked to fax a signed copy of the Health Assessment Form and accompanying documents to the Office of Clinical Sciences at (732) 509- 4820. This process is required for hospitals to receive proper documentation prior to the start of each rotation. Please Note: Tuberculosis Screening – Must complete annually. Physical Exams – Must complete annually. Quantitative Viral Immune Titers – Valid for 5 yrs. Flu

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Appendix B: Health Assessment Form

Health Assessment Form All hospitals require a recorded medical history, physical examination, proof of vaccination for Measles, Rubella, Hepatitis B, Tetanus, and TB screening for all medical staff. Most medical centers also require documentation of titers for Measles, Mumps, Rubella, and Varicella (not more than 5 years old). The Ross University Health Assessment Form must be completed by a licensed physician and must be received by the New Jersey office before any rotation schedule is assigned. Physical examinations and TB screening will not be accepted if the results are more than 1 year old. Part I COMPLETED BY STUDENT Name____________________________________________________________________________ Date of Birth _____ /______ /_______ Social Security Number_______-_____-_________ OR Student ID Number: @________________ Medical History_____________________________________________________________________ Past History_______________________________________________________________________ Recent Illnesses (detail)_______________________________________________________________ Allergies__________________________________________________________________________ _________________________________________________________________________________ Current Medications (detail)___________________________________________________________

Part II COMPLETED BY PHYSICIAN BP_____________Pulse______________Temp_______________Weight________________ HEENT__________________________________________________________________________ Lungs____________________________________________________________________________ Heart____________________________________________________________________________ Abdomen_________________________________________________________________________ Extremeties________________________________________________________________________ Neuro____________________________________________________________________________ Other____________________________________________________________________________

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Medical Conditions Under Treatment (e.g., Diabetes Mellitus, Epilepsy, Medic Alert Bracelet): _________________________________________________________________________________ Antibody Titers/ Tuberculosis Screening

Test Write “Immune” if positive titers (attach lab report); “Negative” if titers are low/equivocal and indicate date(s) of vaccination.

Measles (Rubeola) __________________________________________

Rubella __________________________________________

Mumps __________________________________________

Varicella __________________________________________

Hepatitis B Antibody________________________________(1)___________(2)_________(3)_______________ PPD_________________________________________Result_______________________________ *If negative and you have traveled to an endemic country within the last 30 days, the test must be repeated within 1 month of exam date. If positive, Chest X Ray results (attach copy of lab results)___________________________________ BCG_____________________________________________________________________________ Td (Tetanus-Diphtheria) vaccination within 10 years ________________________________________ Influenza Vaccine (submit documentation of current shot) Date: ____________________ H1N1 Vaccination (submit documentation of current shot) Date: ____________________ Physician’s Statement I have determined that the above named person is free from any health impairment, which is of potential risk to patients or which might interfere with the performance of his/ her duties, including the habituation or addiction to depressants, stimulants, narcotics, alcohol, or other drugs or substances which may alter the individual’s behavior. Physician’s Name___________________________________________________________________ Physician’s Signature_________________________________________________________________ Physician’s License Number___________________________________________________________ Date of Exam______________________________________________________________________ By signing this statement, I authorize Ross University to release this medical document to all affiliated teaching institutions on my behalf. Student’s Name_____________________________________________________________________ Student’s Signature__________________________________________________________________ Date_____________________________________________________________________________

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Appendix C: Request for Rotation at Non-Affiliate Form

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Appendix D: Instructions for Students and Sample New York State Eligibility Application

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Appendix E: Infection Control Discount Information

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Appendix F: Bloodborne Pathogens Exposure Policy

BLOODBORNE PATHOGENS EXPOSURE POLICY

Ross University School of Medicine In accordance with the OSHA Bloodborne Pathogens standard, 29 CFR 1910.1030, the following exposure control plan has been developed:

Implementation Schedule and Methodology OSHA requires that this plan also include a schedule and method of implementation for the various requirements of the standard. This Plan is in effect and will be reviewed on an annual basis.

Compliance Methods Universal precautions will be observed in order to prevent contact with blood or other potentially infectious material. All blood or OPIM (Other Potentially Infectious Material) will be considered infectious regardless of the perceived status of the source individual. Personal protective equipment shall also be utilized. At the clinical facilities the following engineering controls will be utilized:

• Sharps Containers • Safety sheath on needle • Biohazard waste containers • Toilet seat covers • Spill kits

HANDWASHING Handwashing facilities are also available to students who are exposed to blood or other OPIM. After removal of personal protective gloves, students shall wash hands and any other potentially contaminated skin area immediately or as soon as feasible with soap and water or waterless hand cleaner. If students incur exposure to their skin or mucous membranes, those areas shall be washed or flushed with water as appropriate as soon as feasible following contact.

Eye-Wash Station Following exposure of chemical or body fluid exposure – a 15 minute wash is recommended.

Needles Contaminated needles and other contaminated sharps WILL NOT BE bent, recapped, removed, sheared or purposely broken. OSHA allows an exception to this if the procedure would require that the contaminated needle be recapped or removed and no alternative is feasible and the action is required by the medical procedure. If such action is required, then the recapping or removal of the needle must be done by the use of mechanical device or a one-handed technique.

Work Area Restrictions

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In work areas where there is a reasonable likelihood of exposure to blood or OPIM, students are not to eat, drink, apply cosmetics or lip balm, smoke, or handle contact lenses. Food and beverages are not to be kept in refrigerators, freezers, shelves, cabinets, or on counter tops or bench tops where blood or OPIM are located. Mouth pipetting or suctioning of blood or other potentially infectious materials is prohibited. All procedures will be conducted in a manner which will minimize splashing, spraying, splattering, and generation of droplets of blood or OPIM.

Contaminated Equipment All garments which are penetrated by blood shall be removed immediately or as soon as feasible. All personal protective equipment will be removed prior to leaving the work area. The following protocol has been provided to facilitate leaving the equipment at the work area:

• Disposable personal protective equipment will be disposed of in the nearest bio-hazardous waste container • Contaminated sharps that are reusable will be removed from an exam or procedure room and

transported using a labeled closed container to an instrument processing area after each patient procedure

Gloves Gloves will be used for all clinical encounters that present potential contact with blood and body fluids. Gloves will be available in all clinical areas. Disposable gloves used are not to be washed or decontaminated for re-use and are to be replaced when they become grossly contaminated or torn, punctured, or when their ability to function as a barrier is compromised. Masks Masks in combination with eye protection devices, such as goggles or glasses with solid side shield, or chin length face shields, are required to be worn whenever splashes, spray, splatter, or droplets of blood or OPIM may be generated and eye, nose, or mouth contamination can reasonably be anticipated. Situations which would require such protection are as follows:

• Incision and drainage • Removal of a cyst or lesion • Aspiration of wounds • Cleaning, disinfecting of instruments (i.e., sigmoid scope) • Other similar procedures

Hepatitis B Vaccine All students who have been identified as having exposure to blood or OPIM will be offered the Hepatitis B vaccine. The vaccine will be offered within 30 working days of their initial assignment to work involving the potential for occupational exposure to blood or OPIM unless the student has previously had the vaccine or who wishes to submit to antibody testing which shows the employee to have sufficient immunity.

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Students who decline the hepatitis B vaccine will sign a waiver which uses the wording in Appendix A of the OSHA standard. Students who initially decline the vaccine but who later wish to have it may then have the vaccine provided.

Post-Exposure Procedure ALL exposures need to be reported immediately (within 2 hours) to maximize effective treatment. If indicated, prophylactic medications must be administered within 3 hours. All students who incur an exposure incident will be offered post-exposure evaluation and follow-up in accordance with the OSHA standard. This follow-up will include the following:

• Documentation of the route of exposure and the circumstances related to the incident • If possible, the identification of the source individual and, if possible, the status of the source individual.

The blood of the source individual will be tested (after consent is obtained) for HIV and a hepatitis panel according to the standing order.

• Results of testing of the source individual will be made available to the exposed employee with the

exposed employee informed about the applicable laws and regulations concerning disclosure of the identity and infectivity of the source individual.

• The student will be offered the option of having their blood collected for testing of the student’s

HIV/HBV serological status. The blood sample will be preserved for at least 90 days to allow the student to decide if the blood should be tested for HIV serological status. However, if the student decides prior to that time that testing will be conducted then the appropriate action can be taken and the blood sample discarded.

• The student will be offered post exposure prophylaxis in accordance with the current recommendations

of the U.S. Public Health Service. • The student will be given appropriate counseling concerning precautions to take during the period after

the exposure incident. The student will also be given information on what potential illnesses to be alert for and to report any related experiences to appropriate personnel.

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Appendix G: Incident Report

ROSS UNIVERSITY SCHOOL OF MEDICINE CONFIDENTIAL INCIDENT REPORT

Use this form to report a hazardous situation/exposure to blood borne pathogens and submit to clinical@rossu.edu Name of student: ________________________________________________________

Banner ID: _____________________________________________________________

Date of Birth: ___________________________________________________________

Address: _______________________________________________________________ Phone Number: _________________________________________________________ Type of Incident: ________________________________________________________ Site: ___________________________________Incident Date: _________Time_______ Equipment involved:______________________________________________________ Incident reported to: � School Date: ______ Time:_____ To Whom:__________ � Clinical Facility where the incident occurred Date: ______ Time:_____ To Whom:__________ Action Taken : Exam by Physician? � Yes � No Examining Physician:_____________________ Physician orders/treatment: ________________ Is the injured party satisfied with the measures taken? � Yes � No Staff member’s assessment: � No action required � Student education � Policy/Procedure change � Equipment required/replaced � Training/Counseling of staff � Other: __________________________________ Reported by: ________________________________Date: _______________________ Manager Signature: __________________________Date: _______________________

***PLEASE DESCRIBE INCIDENT DETAILS BELOW*** ________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________ ***USE REVERSE FOR ADDITIONAL DETAILS***