; or (ii) in a case in which an employee requests that such exemption amount not be taken into account, 10 percent of the employee’s wages for such pay period that will count towards the employee’s annual repayment amount under section 499F(b); and (B) any additional amounts the employee wishes to have withheld in accordance with paragraph (4)(C). (4) Withholding preferences The Secretary shall provide forms and procedures to allow an employee to indicate to the employee’s employer— (A) that the employee has a loan that meets the requirements of subparagraphs (A) through (C) of subsection (a)(10) and therefore the employer shall withhold payments under this subsection; (B) that the employer shall not take into account the exemption amount to which the employee is eligible under this part in determining the employee’s withholding amount because the exemption amount has already been taken into account with respect to such employee; and (C) an election by the employee to have amounts withheld in addition to the employee’s withholding amount as calculated under paragraph (3). (5) Employee protection An employer may not discharge from employment, refuse to employ, or take disciplinary action against an individual subject to wage withholding in accordance with this section by reason of the fact that the individual’s wages have been subject to withholding under this section, nor may an employer require that an individual opt-out under subsection (a)(9) and such individual may sue in a State or Federal court of competent jurisdiction any employer who takes such action. The court shall award attorneys’ fees to a prevailing employee and, in its discretion, may order reinstatement of the individual, award punitive damages and back pay to the employee, or order such other remedy as may be reasonably necessary. (6) Garnishment For purposes of title III of the Consumer Credit Protection Act ( 15 U.S.C. 1671 et seq.), amounts withheld under this subsection shall— (A) not be considered a garnishment