Debt Cancellation & Waiver Programs (Single Fee & Monthly Pay): Web-based system delivery and turn-key administration with custom benefit options based on the loan type.

• Credit Life & Disability Single Premium: Single, joint, decreasing, net pay, and level term available where applicable. Credit Life Insurance pays off the insured debt (up to the policy limit) as of the date of death; Credit Disability coverage provides a monthly benefit for the borrower’s loan payment (up to the policy limit) with a choice of waiting periods and either retroactive or elimination coverage.

• Credit Life & Disability for Open-End Credit: Life Insurance that covers the balance on a revolving credit account (up to the policy limit) as of the date of death; Disability Insurance coverage provides a monthly benefit of the insured debt (up to the policy limit) during a covered disability.

• Accidental Death & Dismemberment (AD&D): A voluntary policy providing coverage for loss of a limb or eyesight resulting from an injury or death by accidental means (may not be available in all states).

• Credit Property: Credit-related insurance that provides fire and theft coverage for certain household goods or personal property.

• Automobile Single Interest (ASI): Protects the interest of the Lender only for loss or damage to the insured collateral due to fire, theft, and collision with another object or upset of the automobile.

• Vehicle Physical Damage Plus (VPD): Protects Lender interest and equity, up to the specified insured value, for loss or damage to the insured collateral; there is no liability coverage with this product.

• Guaranteed Asset Protection (GAP): Coverage for the excess outstanding indebtedness (subject to limits and exclusions) over the Primary Insurance carrier’s benefits that may occur in the event of a Total Loss to a collateral asset.

• Involuntary Unemployment Insurance (IUI): Provides critical period protection for monthly loan payments when the borrower is unemployed involuntarily.

• Lender-Placed Vendor Single Interest (VSI): Coverage for the Lender’s interest in collateral such as vehicles when the borrower provides no insurance; Lender tracked or fully automated tracking programs available. Also known as Collateral Protection Insurance (CPI).

• Blanket Vendor Single Interest (VSI): Blanket coverage for all physical risk damage covering the Lender’s interest in vehicle loan collateral.

• Non-File: Indemnifies the Lender for a loss sustained when the Lender is prevented from obtaining possession or enforcing its rights under a filed lien.