GUARANTEED ASSET PROTECTION PLUS

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1 GUARANTEED ASSET PROTECTION PLUS Help protect your vehicle loan.

2 THE FACTS ON PROTECTING YOUR ASSETS 1 2 WHAT IS MEMBER S CHOICE GUARANTEED ASSET PROTECTION PLUS (GAP PLUS)? When you buy a new or used vehicle, there s no way to know if it will be stolen or totaled in an accident. And, many times primary auto insurance settlements don t pay o your loan balance. With the purchase of GAP Plus, you re helping to protect your vehicle investment against a possible financial loss. HOW DOES GAP PLUS WORK? The GAP Plus fee can be included with your monthly payments or made separately by cash, check, charge or possibly electronic funds transfer. If your car is stolen or totaled in an accident and there s a di erence between what you owe on your auto loan and the value of your vehicle, GAP Plus will help cancel the di erence based on the terms of your member agreement. By adding GAP Plus while signing your loan paperwork, you re helping take responsibility for your financial future. Your loan officer can show you how. 3 You may cancel GAP Plus at any time after your enrollment date. If you cancel within 90 days, you ll receive a full refund. If you have questions, simply contact your credit union. WHY IS IT VALUABLE? Vehicles often depreciate rapidly and vehicle loan terms have typically been increasing in duration. GAP Plus will help cancel the di erence between the primary insurance settlement and what you may still owe on your vehicle loan. In addition, if your vehicle is stolen or totaled in an accident, it will cancel 2,500 of your next loan with your credit union, when you purchase a replacement vehicle within 120 days of your primary insurance settlement. GAP Plus helps you prepare for the unexpected. ENROLL TODAY.

3 JUST THE FACTS 78 % is the typical value of a new car and only 45% after five years. * after one year; *Edmunds, How Long Should My Car Loan Be?, May PRIMARY INSURANCE SETTLEMENT VS. LOAN BALANCE GAP can help cover the out-of-pocket expenses you may incur. Dollars 25,000 20,000 15,000 10,000 5, Months Loan balance Primary insurance settlement Out-of-Pocket Expenses * Actual cash value of vehicle, less consumer deductible. For educational purposes only.

4 First Eagle Federal Credit Union Maryland Guaranteed Asset Protection TM Product Sheet Plans as of 08/01/2015 Guaranteed Asset Protection (GAP) helps protect members against financial loss if their GAP-protected vehicle is stolen or declared a total loss, easing members financial burden by waiving the difference between members primary insurance settlement and their vehicle loan balance on items directly related to the purchase of their vehicle. Refer to the Guaranteed Asset Protection Waiver Agreement for comprehensive plan information. Product Plans Single GAP Fee Refundable Single GAP Fee Non-refundable Monthly GAP Fee Maximum Benefit GAP and GAP Plus Motor Vehicle Power Sport Watercraft RV N/A N/A N/A N/A YES YES YES YES N/A N/A N/A N/A 50,000 50,000 50,000 50,000 Maximum Loan Amount 100, ,000 50, ,000 Maximum Term 84 Months 84 Months 84 Months 84 Months Maximum Loan-to-Value Loan-to-Value Ratio (Based on) 125% 125% 125% 125% MSRP for new vehicles NADA -- Business Guide -- all other vehicles What s Eligible? What s Protected? Motor Vehicle Power Sport Watercraft RV Assets Eligible Private passenger cars Vans Light trucks Motorcycles All terrain vehicles Snowmobiles watercraft (e.g. jet ski) Inboards Outboards Inflatables Jet drives Houseboats Sailboats Stern Drives Conventional trailers Fifth wheel Travel trailer Folding camping trailer Truck Camper units Type A, B and C motor homes Utilization (in-use for) & Commercial Loans Eligible Loans NOT Eligible Incidents NOT Protected Loans and leases that are secured solely by an eligible vehicle include: Traditional closed-end loans Refinances (from different lender) Collateral lending (funds used for other purposes) Open-end loans (draws specific for new and used auto financing) Balloon loans Interest-only loans Real estate secured loans Signature loans Loss or damage incidents are NOT protected if the protected vehicle was repossessed by, or placed in the possession of, the credit union, its employees, or agents This product sheet is a quick reference document FOR CREDIT UNION USE ONLY. Questions regarding product plans or information on this product sheet? Call , Ext CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. DPGAP-0712-B199 Proprietary and Confidential. Further reproduction, adaptation or distribution prohibited. CUNA Mutual Group, 2015 All Rights Reserved 1 of 2 Created on 7/17/2015

5 First Eagle Federal Credit Union Maryland Guaranteed Asset Protection Product Sheet Plans as of 08/01/2015 More Product Details Member s Payment Methods Primary Insurance Deductible Skipped Payment Right to Purchase Insurer Claims Submission GAP Plus Single Fee - GAP fee is included in member's loan payment OR paid in full with cash, check or credit card payment to your credit union Pays up to 2,500 of your vehicle insurance deductible where allowed by state law Protection includes up to 2 skipped payments during the term of the financial agreement. Skipped payments are missed payments that are authorized by your credit union or caused by delinquency Available to purchase anytime during the life of the loan Insured by CUMIS Insurance Society, Inc, an A.M. A rated carrier ( A rating is the third highest rating of 16 categories of ratings A.M. Best issues) From the date the vehicle is declared a total loss, credit union has 365 days to file a claim. The first 2,500 is cancelled under your replacement vehicle financial agreement when vehicle is financed by your credit union within 120 days after member's primary insurance company issues a settlement check Termination and Cancellation Protection Termination Member Cancellation Upon termination of financial agreement Upon expiration of maximum term limit in the Guaranteed Asset Protection Contract (waiver) Upon cancellation of the Guaranteed Asset Protection Contract (waiver) Upon early payoff of the financial agreement by the member Upon any claim/deficiency being paid Upon vehicle repossession Anytime during life of the loan All cancellations: member and loan officer complete, sign, and date the cancellation form and submit to CUMIS Insurance Society, Inc 90-Day Trial Period: members have 90 days, from enrollment date, to cancel protection and receive a full refund with no cancellation fee After 90 days: Single Fee - Non-Refundable -- No refund is due if member cancels after 90 days Filing Claims Information Needed (copies to include) Claim Submission Options Claims or Member Eligibility Questions GAP Completed GAP Waiver and Financial Agreement or Lease Agreement Copy of Primary Insurance Company s Total Loss Settlement Check(s), Valuation Report and Settlement Breakdown Copy of the police report for the incident Primary Insurance Company s Total Loss Worksheet GAP Plus Completed GAP Waiver Agreement Copy of Total Loss Settlement Check(s) Security Agreement Online: Go Click on My Services and select GAP Notice of Loss Fax or Mail: Complete the Claim Submission Form and fax or mail materials Fax: Phone: Mail: CUNA Mutual Group Claims Administration - GAP Claims P.O. Box 669, Waverly, IA Original Financial Agreement or Lease Agreement Loan History Summary Valuation worksheet If applicable, proof of proceeds recovered from the cancellation of refundable items Copy of financing documents relating to a replacement vehicle This product sheet is a quick reference document FOR CREDIT UNION USE ONLY. Questions regarding product plans or information on this product sheet? Call , Ext CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Proprietary and Confidential. Further reproduction, adaptation or distribution prohibited. DPGAP-0712-B199 CUNA Mutual Group, 2015 All Rights Reserved Created on 7/17/ of 2

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