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Credit Insurance

Life and Disability Insurance

Credit Life and Disability Insurance provide the security of making your loan payments should you become disabled or in the event of your death. For greater convenience, the premium is included in your loan's monthly payment.

Credit Life Insurance

• Pays off the loan up to $30,000
• You must apply and answer two insurability questions to qualify
• No applicants over age 70 are accepted

Credit Disability Insurance

• Pays monthly payments up to $600
• 30-day waiting period
• No applicants over age 66 are accepted

Guaranteed Asset Protection Advantage (GAP)

Guaranteed Asset Protection Advantage provides coverage against financial loss in the event your vehicle is damaged beyond repair or stolen and never recovered. Since a vehicle's value declines as a result of depreciation, the loan balance can be higher than its actual cash value.

Without GAP coverage, you would be responsible for paying the difference between the insurance settlement and the outstanding loan balance. With GAP Advantage, the deficiency balance may be waived.

Additional GAP benefits:

• Can eliminate or reduce "out of pocket" expenses for the remaining loan balance after loss settlement
• You may be eligible for $1,000 towards the financing of a replacement vehicle
• You are able to purchase a replacement vehicle sooner because there is little or no carry-over balance
• Protects your credit rating
• The balance wavier may be fully refunded within 60 days of its inception
• Pays benefits up to $50,000
• You may purchase GAP up to 1-year from the effective date of the loan

For your convenience, your GAP premium can be added to your loan.

Mechanical Repair Coverage

Getting an auto loan is about more than just the right rate. It's also about having the right protection against unexpected repairs that could cost you thousands of dollars.

For just a few dollars a month, Mechanical Repair Coverage (MRC) can help ensure that major repairs to your car are covered. Mechanical Repair Coverage begins on the date of purchase and continues after your manufacturer's warranty expires. The plan also covers rental and towing reimbursement, 24-hour roadside assistance and can include emergency travel expense.

The MRC plan pays for parts and labor for any covered repair. You pay only the deductible amount you select-$0, $50 or $100.

The MRC plan is:

• Good at any franchised automobile dealer or repair facility in the U.S. and Canada
• Transferable if you sell your vehicle to a private party
• Can be cancelled at any time on a pro-rata basis
• Convenient, with toll-free customer services and communications
• Hassle-free, because the repair facility is paid directly by the plan
• Flexible, you can choose coverage and terms (months and miles) that match your vehicle and your driving habits

Mechanical and electrical repairs can be very expensive and can happen unexpectedly. As an example, here are some numbers reflecting claims paid from 1/15/00 to 10/30/02.

Why risk the chance of incurring high repair bills that can occur so easily in today's traffic or as a result of wear on your vehicle? You can have the assurance of protection for a few dollars a month instead of thousands of dollars just when you least expect it.