Borrower Protection Plan with Life Plus

Your Financial Safeguard Against The Unexpected.

If your life takes an unexpected turn, your family’s finances can be strained. But with the Borrower Protection Plan with Life Plus, your loan payments or balance may be canceled, up to the contract maximums, in case of involuntary unemployment, disability, or death. It’s just one more way you can look out for the people you love.

The Borrower Protection Plan with Life Plus could help your family’s financial situation against a variety of covered life events:

• Involuntary unemployment
• Disability
• Death

For additional protections, Life Plus can extend your Borrower Protection Plan to address a wide range of circumstances, giving you the reassurance of knowing you’ve taken steps to help secure your finances.

• Accidental dismemberment
• Terminal illness
• Hospitalization or family medical leave
• Death of a non-protected dependent

Take an important step toward financial security. Ask Sunward about adding the Borrower Protection Plan with Life Plus when you open an auto loan, credit card, signature loan, signature CreditLine, or Home Equity CreditLine – or add the plan to your existing loan. Call 505.293.0500 or 800.947.5328 for details.

Your purchase of Borrower Protection Plan with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Borrower Protection Plan with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.

DP-4716373.1-0422-0524 CUNA Mutual Group ©2022, All Rights Reserved.

Guaranteed Asset Protection (GAP) with Deductible Assistance

Essential Protection For Your Vehicle Loan – And Your Finances.

Sunward offers Guaranteed Asset Protection (GAP) from MEMBER'S CHOICE^TM*. This protection may reduce or eliminate the difference between your vehicle insurance company’s settlement and the remaining loan amount, up to the maximums allowed by the credit union and/or state, in the event your vehicle is stolen or damaged beyond repair.

If you are in an accident where GAP is not needed – for instance, the vehicle is not declared a total loss, you may still be able to take advantage of GAP through the deductible assistance benefit. If auto repairs cost more than your deductible, the deductible amount is applied to your loan, reducing what you owe, up to $1,000.

Use this calculator to see if this protection is right for you. You can choose this option when applying for your Sunward auto loan.

*Your purchase of MEMBER’S CHOICE^TM Guaranteed Asset Protection (GAP) which includes deductible assistance, is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP-4716404.1-0422-0524

---

Mechanical Repair Coverage

This Coverage Could Eliminate the Financial Burden of Unexpected Auto Mechanical Breakdowns.

To be eligible, the vehicle must be no more than 15 model years old with fewer than 150,000 miles. Mechanical Repair Coverage may be a good idea if:

• You’re purchasing or refinancing a new or used vehicle.
• You plan to keep your vehicle longer than your manufacturer’s warranty period.
• Your annual mileage multiplied by the number of years you plan to keep your vehicle exceeds your manufacturer’s warranty.

Use this calculator to determine if Mechanical Repair Coverage is good choice for you.

Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA, where coverage is offered as insurance by Virginia Surety Company, Inc., in NH, where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX, where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK, where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA, where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc.

The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.

MRC-4716356.1-0422-0524

---