Debt Protection Credit Card Product Sheet PDF

Alliance Catholic Credit Debt Protection Union 021-0955-6...

Alliance Catholic Credit Debt Protection Union 021-0955-6 Credit Card Product Sheet Plans as of: 10/12/2024 Benefit Package Comparisons LifePlus Disability and Unemployment LifePlus Disability LifePlus Life Plus Life Plus Life Plus Balance Cancellation † Balance Cancellation † Balance Cancellation † Payment Cancellation ≠ Payment Cancellation ≠ Payment Cancellation ≠ Accident & Sickness Accident & Sickness Accident & Sickness Graded Benefits at Age of Death † Graded Benefits at Age of Death † Graded Benefits at Age of Death † Disability Disability Disability Payment Cancellation Payment Cancellation Not Applicable Accident & Sickness Accident & Sickness 14 day Waiting Period (14R) 14 day Waiting Period (14R) Involuntary Unemployment Involuntary Unemployment Involuntary Unemployment Payment Cancellation Not Applicable Not Applicable 14 day Waiting Period (14R) † Applies to death, Terminal Illness and Accidental Dismemberment ≠ Applies to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent Rates LifePlus Disability and Unemployment $0.499 per $100 LifePlus Disability $0.399 per $100 LifePlus $0.199 per $100 NOTE: Rate is applied to the outstanding Loan balance each month; however, if the outstanding Loan balance is greater than $100,000, the rate will not apply to the amount that exceeds $100,000. Protection Eligibility Disability: Borrowers must be actively working, for wages or profit 25 hours or more per week on the Effective Date of Protection*. Involuntary Unemployment: Borrowers must be actively working, for wages or profit 25 hours or more per week on the Effective Date of Protection*. Benefit Qualifications Disability: To qualify for Disability, the Borrower must (a) meet the definition of Disability for at least 14 consecutive days; and (b) not be actively working at any job or combination of jobs paying an income equal to or exceeding 80% of the income being earned from the Borrower’s Active Employment immediately preceding the date the Borrower qualified for Disability. Involuntary Unemployment: To qualify for Involuntary Unemployment, the Borrower must (a) meet the definition of Involuntary Unemployment for at least 14 consecutive days; (b) be receiving or has received state unemployment benefits for the period of unemployment for which the Borrower is requesting Protection Activation; (c) be seeking Active Employment; and (d) provide Us or Our Administrator with proof of qualification for Involuntary Unemployment protection at the time of Protection Activation and throughout the protected period. Benefit Types Balance Cancellation: Protected Balance is cancelled up to the maximum. See Benefit Maximums section. Payment Cancellation: All or a portion of the Protected Payment is cancelled, up to the maximum, and the Loan principal declines. See Benefit Maximums section. The Protected Payment is the minimum payment required on the Borrower’s Protected Balance or $200, whichever is greater. The amount We cancel will never be greater than the amount the Borrower owes on the Protected Balance. Causes Protected Accident & Sickness: During the first 6 months immediately following the Effective Date of Protection*, protected events resulting from Accidental Injury are protected and Sickness not resulting from a pre-existing condition. After 6 months, protected events due to both Accidental Injury and Sickness are protected. This product sheet is a quick reference document for credit union use only. Questions regarding product plans or information on this product sheet? Call 800.356.2644, Ext. 665.2000 TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. DP-5460976.1-0223-0325 © TruStage REV (05/2023) Created on 10/12/2024 1 of 2  When Benefits Begin 14 Day Waiting Period (14R): If the protected event continues more than 14 days, benefits are retroactive to the first day of the protected event. Non-Protected Events All Options: An event will not be protected under the Contract if it: is the result of a felony committed by the Borrower; is caused by or results from an atomic explosion or any other release of nuclear energy (except when used solely for medical treatment); is the result of an elective cosmetic surgery; is the result of an intentionally self-inflicted injury; is the result of an assisted suicide or an attempted assisted suicide; or occurs prior to the Effective Date of Protection. Life Plus: A death event (other than death of a Non-Protected Dependent) is not protected if it: occurs within the 6 months immediately following the Effective Date of Protection* and is related to a pre-existing condition for which the Borrower received advice, diagnosis, or treatment (including medication) within the 6 months immediately preceding the Effective Date of Protection*; or is the result of suicide that occurs within the 12 months immediately following the Effective Date of Protection*. An event (other than the Borrower’s death) will not be protected if the event occurs within the 3 months immediately following the Effective Date of Protection*. Disability: Disability is not protected if it: occurs within the 6 months immediately following the Effective Date of Protection* and is related to a pre-existing condition for which the Borrower received advice, diagnosis, or treatment (including medication) within the 6 months immediately preceding the Effective Date of Protection*; or is related to a normal pregnancy. Involuntary Unemployment: Involuntary Unemployment is not protected if it: includes any Annual, Regularly Scheduled, or Seasonal Layoff or any period of unemployment that occurs while the Borrower is a Temporary Employee, independent contractor, self-employed, or employed by a joint Borrower; includes any retirement, vacation, strike, unionized labor dispute, lockout, termination due to the Borrower’s Willful or Criminal Misconduct, voluntary unemployment, voluntary loss of wages, or spousal relocation; occurs within the 3 months immediately following the Effective Date of Protection*. * Effective Date of Protection means the later of: (1) the date the Borrower purchased protection under this program option; or (2) the date We reinstate the Borrower’s protection under the Contract if applicable. Benefit Maximums Life Plus: †Before the end of the month during which the Borrower reaches age 70: 100% of the Protected Balance up to a maximum of $100,000. After the end of the month during which the Borrower reaches age 70: 25% of the Protected Balance up to a maximum of $25,000. ≠ Protected Payment for 3 months up to a maximum of $3,000. Disability: Protected Payment for 24 months up to a maximum of $24,000. Involuntary Unemployment: Protected Payment for 6 months up to a maximum of $6,000. †Benefit Maximums apply to death, Terminal Illness and Accidental Dismemberment ≠ Benefit Maximums apply to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent Filing a Claim To file a claim electronically, go to Claims Online at TruStage website, www.trustage.com. This product sheet is a quick reference document for credit union use only. Questions regarding product plans or information on this product sheet? Call 800.356.2644, Ext. 665.2000 TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. DP-5460976.1-0223-0325 © TruStage REV (05/2023) Created on 10/12/2024 2 of 2  Mechanical Repair Coverage (MRC) Product Sheet Plans as of 11/15/2023 This product sheet is a quick reference document and is intended solely to provide a general description of the MRC Program. Please refer to the MRC Service Contract/Policy for complete terms, conditions, and exclusions. Replacement parts may be new, used, non-OEM or remanufactured. In California MRC is insurance referred to as Mechanical Breakdown Insurance or MBI. Plan Types & Eligibility One program for both new and used vehicles with three levels of coverage to choose from depending on the vehicle’s equipment. Platinum Gold Silver Our most comprehensive plan is our Provides coverage for 13 major Provides coverage for 11 major Named Exclusion level of coverage. component groups and is considered a component groups. A basic yet robust Covers everything on the member’s See contract for details value-minded plan. Named plan. Named Component level of vehicle except what’s listed under the Component level of coverage. coverage. What’s Not Covered section. Vehicle Age Current - 15 model years old Current - 15 model years old Current - 15 model years old At time of purchase Mileage* 80,000 miles or less 100,000 miles or less 150,000 miles or less At time of purchase Per repair visit, not per Deductible $0, $100, $250 or $500 $0, $100, $250 or $500 $100, $250 or $500 component covered *Maximum Eligibility for European/Luxury Vehicles is 100,000 miles. Includes Audi, BMW, Fiat, Jaguar, Land Rover, Mercedes Benz, Mini, Porsche, Smart, Tesla, Volvo, & Volkswagen Features Offers a matrix of terms to fit members’ needs based on how long they plan to keep the vehicle and how many miles they drive yearly. Substitute Up to $50 per day for a maximum of 10 days, available on the first day of a covered repair. Rideshare options are now Not available to residents of Transportation available in addition to traditional Rental Car options. (Rideshare, Taxi or Public Transportation is on a reimbursement basis) CA Reimbursement Rental reimbursement Only available to residents of Up to $35 per day (5-day maximum or 10-day maximum for parts delay); available on the first day of a covered repair (CA only) CA 24-hour emergency Up to $125 per occurrence; includes towing, battery jumpstart, fluid delivery, flat tire assistance and lock-out service. Roadside $100 per occurrence for roadside assistance extraction is covered for all states except CA residents of CA Travel expense Up to $200 per day (5-day maximum) for lodging, food, and transportation expenses when a covered breakdown occurs 100 Not available to residents of reimbursement miles or more from home and your vehicle is held overnight at a repair facility NY Up to $800 per occurrence for the repair or, if nonrepairable, the replacement of lost, stolen, or damaged keys (including fob Not available to residents of Key replacement and/or remote) including any programming. Deductible doesn’t apply CT, MA, PA, & VT Provides for the repair of dings and dents, no larger than 4 inches in length/diameter, that are within an accessible area on a Not available to residents of Paintless dent repair body panel of your vehicle and that are repairable through existing paintless dent repair techniques. Deductible doesn’t apply CT Permitted commercial purposes include but are not limited to: vehicles used by a single driver for sales/services (e.g., Commercial / Rideshare Uber/Lyft, real estate, cleaning services, home health/aide care services and gardening) or light duty contracting (e.g., Use electrician, carpenter, and plumber) Pays for covered breakdowns when your vehicle is equipped with a lift kit not to exceed 6 inches, a leveling kit not to exceed Lift/leveling/lowering kit 2.5 inches, or a lowering kit not to exceed 2 inches (lift kit or leveling kit components themselves are not covered) Provides coverage for mobility equipment components when installed by the manufacturer or a licensed, manufacturer- Mobility equipment authorized installer Not available to residents of Shocks & struts Shocks and struts are covered under Platinum plans CA Provides add-on term/add-on miles so the member only pays for the amount of coverage they need. Coverage does not revert Add-on Term/Miles back to original vehicle in-service date Convenient Good at any authorized repair facility in the continental United States of America, Alaska, Hawaii or Canada No out-of-pocket Except for any deductible, the administrator pays the repair facility (via corporate credit card) directly for the covered repair expense If you sell your vehicle privately (within 30 days from the date of sale), the coverage can be transferred (for a $50 Transferable Transfer fees vary by state administrative fee), adding resale value and appeal Cancellation provision and Receive a full refund for an unused agreement within the first 60 days, or a pro-rated refund thereafter less an administrative 60 day “Trial offer” administrative fees vary by fee state Page 1 of 2  Mechanical Repair Coverage (MRC) Product Sheet Features Members Credit Union Employee Helps limit the cost of covered breakdowns and help Helps you protect more members, more ways while Demonstrate your commitment to help members lighten the financial burden for the member and the increasing non-interest income help reduce achieve financial security through credit union people they care about. delinquency and charge-off loans. products and services. Explanation of Coverage MRC is high-quality, comprehensive coverage that helps pay for the cost of parts and labor for any covered vehicle mechanical repair. It provides the needed protection at the time the member’s vehicle is most likely to require repairs. MRC offers different levels of coverage to fit members’ needs. Exclusions & Excluded Vehicles Vehicles used for: Government or emergency services Salvage or rebuilt titled vehicles Trucks rated more than 1 ton Motor Homes Motorcycles Non-U.S. Specification Vehicles Modified Vehicles (except for Lift Kit / Leveling Kit / Lowering Kit & and Mobility equipment) Exotic Vehicles (e.g. Nissan GTR, Maserati, Bentley, Ferrari, Lamborghini, etc.) General maintenance is not covered under any plan type Pre-existing conditions (condition that existed prior to the purchase of the contract/policy) (N/A in GA) Aftermarket items Other exclusions as listed in the contract/policy Gold and Silver levels of coverage: any system or component not specifically listed on the contract/policy. How is it paid for? Members can finance the cost of MRC with their loan so that it is included in their monthly loan payment (this is often the easiest and most convenient method). Additionally, the member could pay for the coverage by cash, check, or credit card to the credit union. Payment methods offered to the member are based on the credit union’s available options. After the credit union has received payment from the member, CUNA Mutual Insurance Agency, Inc. bills the credit union, and the credit union then remits the MRC fee/premium. Assurant bills CUNA Mutual Insurance Agency, Inc. directly. How much does it cost? Cost options (priced to risk) are based on (1) the vehicle manufacturer’s make, model, year, and mileage; (2) choice of term/miles of coverage; and (3) choice of deductible. Cancellation, Refund & Termination Coverage term expires when its time or mileage limit is reached (whichever occurs first). Coverage should be canceled if the vehicle is a total loss or repossessed. In the event the member requests cancellation of the contract*: Within 60 days of the Purchase Date and a claim has not been incurred, a 100% refund of the contract/policy price will be made. After 60 days or if the member has incurred a claim within the first sixty (60) days, a pro-rata refund of the unused Months or unused Miles will be made. The pro-rata refund will be calculated by multiplying the contract/policy price by the lesser percentage of the unused Months or unused Miles compared to the total Months or total Miles of Your contract/policy term, less an administrative fee/premium. The administrative fee is $50 except in CA where the administrative premium is either $25 or 10% of the refund amount, whichever is less. *May vary based on specific state language within the contract Contact & Claims Information Non-CA: Click here for step-by-step instructions in case of a breakdown. CA Only: Click here for step-by-step instructions in case of a breakdown. Member Service Member & Loan Officer Service 24-Hour Roadside Assistance Claims Administration 1-888-557-8955 1-800-752-6265 www.vehiclecareplan.com 1-866-603-5420 7:30am-5:30pm CT, M-F 7:00am-7:00pm CT, M-F The Vehicle Care by Assurant® app gives your member access to all of their service contract/policy benefits from their smartphone or mobile device.* The Vehicle Care app is free and available on the App Store and Google Play Store. Please remind your member to download the app. They can easily register their vehicle by answering a few questions to access app features AND a year of unlimited free advice on setting up in-car technology via the Personal TechPro service. *Vehicle registration in the app will be available 24 hours after purchase. Mechanical Repair Coverage is made available to you by CUNA Mutual Insurance Agency, Inc. and is insured by Virginia Surety Company, Inc. The Assurant® mark and the Vehicle Care by Assurant® application are the sole property of Assurant, Inc. MRC-3489303.10-1023-0425 © TruStage Page 2 of 2  Alliance Catholic Credit Debt Protection Union 021-0955-6 Consumer Product Sheet Plans as of: 10/12/2024 Benefit Package Comparisons LifePlus Disability and Unemployment LifePlus Disability LifePlus Life Plus Life Plus Life Plus Balance Cancellation † Balance Cancellation † Balance Cancellation † Payment Cancellation ≠ Payment Cancellation ≠ Payment Cancellation ≠ Accident & Sickness Accident & Sickness Accident & Sickness Graded Benefits at Age of Death † Graded Benefits at Age of Death † Graded Benefits at Age of Death † Disability Disability Disability Payment Cancellation Payment Cancellation Not Applicable Accident & Sickness Accident & Sickness 14 day Waiting Period (14R) 14 day Waiting Period (14R) Involuntary Unemployment Involuntary Unemployment Involuntary Unemployment Payment Cancellation Not Applicable Not Applicable 14 day Waiting Period (14R) † Applies to death, Terminal Illness and Accidental Dismemberment ≠ Applies to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent Rates LifePlus Disability and Unemployment $0.499 per $100 LifePlus Disability $0.399 per $100 LifePlus $0.199 per $100 NOTE: Rate is applied to the outstanding Loan balance each month; however, if the outstanding Loan balance is greater than $100,000, the rate will not apply to the amount that exceeds $100,000. Protection Eligibility Disability: Borrowers must be actively working, for wages or profit 25 hours or more per week on the Effective Date of Protection* for the Advance. Involuntary Unemployment: Borrowers must be actively working, for wages or profit 25 hours or more per week on the Effective Date of Protection* for the Advance. Benefit Qualifications Disability: To qualify for Disability, the Borrower must (a) meet the definition of Disability for at least 14 consecutive days; and (b) not be actively working at any job or combination of jobs paying an income equal to or exceeding 80% of the income being earned from the Borrower’s Active Employment immediately preceding the date the Borrower qualified for Disability. Involuntary Unemployment: To qualify for Involuntary Unemployment, the Borrower must (a) meet the definition of Involuntary Unemployment for at least 14 consecutive days; (b) be receiving or has received state unemployment benefits for the period of unemployment for which the Borrower is requesting Protection Activation; (c) be seeking Active Employment; and (d) provide Us or Our Administrator with proof of qualification for Involuntary Unemployment protection at the time of Protection Activation and throughout the protected period. Benefit Types Balance Cancellation: Protected Balance is cancelled up to the maximum. See Benefit Maximums section. Payment Cancellation: All or a portion of the Protected Payment is cancelled, up to the maximum, and the Loan principal declines. See Benefit Maximums section. Causes Protected Accident & Sickness: During the first 6 months immediately following the Effective Date of Protection* for the Advance, protected events resulting from Accidental Injury are protected and Sickness not resulting from a pre-existing condition. After 6 months, protected events due to both Accidental Injury and Sickness are protected. When Benefits Begin 14 Day Waiting Period (14R): If the protected event continues more than 14 days, benefits are retroactive to the first day of the protected event. This product sheet is a quick reference document for credit union use only. Questions regarding product plans or information on this product sheet? Call 800.356.2644, Ext. 665.2000 TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. DP-5460976.1-0223-0325 © TruStage REV (05/2023) Created on 10/12/2024 1 of 2  Non-Protected Events All Options: An event will not be protected under the Contract if it: is the result of a felony committed by the Borrower; is caused by or results from an atomic explosion or any other release of nuclear energy (except when used solely for medical treatment); is the result of an elective cosmetic surgery; is the result of an intentionally self-inflicted injury; is the result of an assisted suicide or an attempted assisted suicide; or occurs prior to the Effective Date of Protection. Life Plus: A death event (other than death of a Non-Protected Dependent) is not protected if it: occurs within the 6 months immediately following the Effective Date of Protection* for the Advance, and is related to a pre-existing condition for which the Borrower received advice, diagnosis, or treatment (including medication) within the 6 months immediately preceding the Effective Date of Protection* for the Advance; or is the result of suicide that occurs within the 12 months immediately following the Effective Date of Protection* for the Advance. An event (other than the Borrower’s death) will not be protected if the event occurs within the 3 months immediately following the Effective Date of Protection* for the Advance. Disability: Disability is not protected if it: occurs within the 6 months immediately following the Effective Date of Protection* for the Advance, and is related to a pre-existing condition for which the Borrower received advice, diagnosis, or treatment (including medication) within the 6 months immediately preceding the Effective Date of Protection* for the Advance; or is related to a normal pregnancy. Involuntary Unemployment: Involuntary Unemployment is not protected if it: includes any Annual, Regularly Scheduled, or Seasonal Layoff or any period of unemployment that occurs while the Borrower is a Temporary Employee, independent contractor, self-employed, or employed by a joint Borrower; includes any retirement, vacation, strike, unionized labor dispute, lockout, termination due to the Borrower’s Willful or Criminal Misconduct, voluntary unemployment, voluntary loss of wages, or spousal relocation; occurs within the 3 months immediately following the Effective Date of Protection* for the Advance. * Effective Date of Protection means the later of: (1) the date the Borrower purchased protection under this program option; (2) the date We reinstate the Borrower’s protection under the Contract if applicable; or (3) the date of an Advance under a protected Loan. Benefit Maximums Life Plus: †Before the end of the month during which the Borrower reaches age 70: 100% of the Protected Balance up to a maximum of $100,000. After the end of the month during which the Borrower reaches age 70: 25% of the Protected Balance up to a maximum of $25,000. ≠ Protected Payment for 3 months up to a maximum of $3,000. Disability: Protected Payment for 24 months up to a maximum of $24,000. Involuntary Unemployment: Protected Payment for 6 months up to a maximum of $6,000. †Benefit Maximums apply to death, Terminal Illness and Accidental Dismemberment ≠ Benefit Maximums apply to Hospitalization, Family Medical Leave and Loss of Life of a Non-Protected Dependent Filing a Claim To file a claim electronically, go to Claims Online at TruStage website, www.trustage.com. This product sheet is a quick reference document for credit union use only. Questions regarding product plans or information on this product sheet? Call 800.356.2644, Ext. 665.2000 TruStage™ is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. DP-5460976.1-0223-0325 © TruStage REV (05/2023) Created on 10/12/2024 2 of 2  Guaranteed Asset Protection Alliance Catholic Credit Union 021-0955-6 Michigan Product Sheet Plans as of 10/12/2024 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. GAP Learning & Development: Provide staff training, performance improving resources, marketing and more. Product Plans - GAP Plus Motor Vehicle Power Sport Watercraft RV Single GAP Fee Ź Refundable N/A N/A N/A N/A Single GAP Fee Ź Non-refundable YES YES YES YES Monthly GAP Fee   N/A N/A N/A N/A Maximum Benefit $50,000 $50,000 $50,000 $50,000 Maximum Loan Amount $100,000 $100,000 $50,000 $125,000 Maximum Term 84 Months 84 Months 84 Months 84 Months Maximum Loan-to-Value 110% 110% 110% 110% Loan-to-Value Ratio (Based on) MSRP JD Power Clean Retail -- all other vehicles What’s Eligible? What’s Protected? Motor Vehicle Power Sport Watercraft RV Assets Eligible New & Used: New & Used: New & Used: New & Used: Private passenger cars Motorcycles Inboards Conventional trailers Vans All terrain vehicles Outboards Fifth wheel Light trucks Snowmobiles Inflatables Travel trailer 20 model years or newer Personal watercraft Jet drives Folding camping trailer (e.g. jet ski) Houseboats Truck Camper units Sailboats Type A, B and C motor homes Stern Drives Utilization Personal & Commercial Personal Personal Personal (in-use for) Loans Eligible 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) Loans NOT Eligible Balloon loans Interest-only loans Real estate secured loans Signature loans Incidents NOT Protected 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 800.356.2644, Ext. 665.2000 TruStageTM is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. © TruStage Created on 10/12/2024 GAP-1679028.11-1123-1225 Page 1 of 2  Guaranteed Asset Protection Alliance Catholic Credit Union Product Sheet 021-0955-6 Michigan Plans as of 10/12/2024 More Product Details Member’s Payment 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 Methods Primary Insurance Protects up to $1,000 of your vehicle insurance deductible where allowed by state law Deductible Skipped Payment Protection includes up to 5 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 Right to Purchase Available to purchase anytime during the life of the loan Deductible Assistance This includes a primary insurance deductible maximum per occurrence of $1,000 and includes multi-vehicle protection. Maximum number of occurrences is no more than 2 in a 12 month period. Claims Submission There is no time limit for the credit union to submit a claim from the date the vehicle is declared a total loss GAP Plus $1,000 is waived from the loan or lease when the replacement vehicle is financed by our credit union within 120 days after member's primary insurance company issues a settlement check Termination and Cancellation Protection Upon termination of financial agreement Upon early payoff of the financial agreement by the member Termination Upon expiration of maximum term limit in the Guaranteed Upon any claim/deficiency being paid Asset Protection Contract (waiver) Upon vehicle repossession Upon cancellation of the Guaranteed Asset Protection Contract (waiver) Member Cancellation Anytime during life of the loan After 90 days: All cancellations: Complete the cancellation form and submit to Single Fee - Non-Refundable -- No refund is due if TruStageTM member cancels after 90 days 90-Day Trial Period: Members have 90 days, from enrollment date to cancel protection and receive a full refund with no cancellation fee Filing Claims Information Needed GAP GAP Plus (copies to include) Original Financial Agreement or Lease Agreement Copy of Total Loss Settlement Check(s) Full Payment Loan History prior to loss date Original Security Agreement Any insurance information available at time of claim submission (if available) Copy of financing documents relating to a replacement vehicle If applicable, proof of proceeds recovered from the Deductible Assistance cancellation of refundable items A copy of the declaration page from the auto insurance policy that identifies the insured vehicle, the borrower [or co-borrower] as the insured and the deductible amount Proof a claim payment was made by the insurance company Claim Submission Online: Go to www.trustage.com. Click on "My Services", then "Claims" and select "Guaranteed Asset Protection (GAP) First Notice of Options Loss" or Deductible Assistance First Notice of Loss Fax or Mail: Complete the Claim Submission Form and fax or mail materials Fax: 800-949-0551 Mail: TruStage Claims Administration - GAP Claims P.O. Box 1221, Madison, WI 53701-1221 Claims or Member Phone: 800-557-8955 Eligibility Questions This product sheet is a quick reference document for credit union use only. Questions regarding product plans or information on this product sheet? Call 800.356.2644, Ext. 665.2000 TruStageTM is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. © Created on 10/12/2024 TruStage GAP-1679028.11-1123-1225 Page 2 of 2 Signature: Email: [email protected]