Common use of TERMS OF PROTECTION Clause in Contracts

TERMS OF PROTECTION. Who is eligible for protection? This Plan protects one eligible Borrower against Protected Events that occur while you are enrolled in the Plan (“Protection”). Co-signers, guarantors, and non-borrower owners of collateral are not eligible for protection. What types of loans are eligible for protection under the Plan? The following types of loans are eligible for protection if the Plan is made available to you on that loan type: closed-end consumer installment loans if the loan has a term of 120 months or less; consumer lines of credit; and credit cards. What is the Plan Fee and how is it collected? The Plan Fee is the amount you pay for the Protection. It is calculated by applying the rate per $1,000 of your monthly outstanding balance and will be charged and collected monthly. For closed-end loans, if the Protection is purchased at loan closing, the fee becomes part of your required monthly loan payment. For open-end loans, the fee will be added to your outstanding balance as an advance each month which must be paid in full each month. If Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance each month; in such a case, we may either increase your minimum monthly payment or extend the term of your loan. If you fail to pay the fee, we can cancel the Protection. Can the Plan Fee and terms of this Agreement Change? Yes. We can change the terms of this Agreement, including the rates, at any time. If we do so, you will be provided prior notice and an opportunity to cancel your Agreement under the Plan. Can this Agreement be contested? Yes. If a Protected Event occurs within the first 2 years of this Plan, and if we find that you did not meet the eligibility requirements at the time of your application, your protection under the Plan will be removed, you will receive a refund of fees paid, and an otherwise valid claim will be denied. PROTECTED EVENTS The following describes the types of Protected Events and the protection afforded under each Plan: LOSS OF LIFE (All Plans) What is the Loss of Life benefit? We will cancel the amount of your Outstanding Balance as of the date of death, up to $70,000 DISABILITY (Plans 1 and 2) What does Disability mean and how do I qualify for Disability? Disability means your continuous inability, due to sickness or injury, to perform the substantial and material duties of your regular occupation and you are under the regular care and treatment of a licensed physician or licensed health care provider. To qualify for Disability protection, you must be disabled for thirty (30) consecutive days. Benefits begin to accrue on the first (1st) day that you are disabled. What amounts are cancelled under the Disability protection? For each occurrence of Disability, we will cancel 1/30th of the Payment for each day that you are disabled beginning with the first (1st) day of Disability and continuing for up to twelve (12) Payment cancellations. However, cancellations will immediately cease if you recover or return to work; or if the loan is paid off, is refinanced, or is discharged for any reason. Cancellation is limited to a total of $24,000 over the term of the loan, regardless of the number of occurrences. The maximum monthly cancellation is $1,000. What if the same or related disability occurs? Please see the “What if I suffer a recurrence?” question in the General Provisions section below.

TERMS OF PROTECTION. Who is eligible for protection? This Plan protects one an eligible Borrower (“Borrower 1”) against Protected Events that occur while you are enrolled in the Plan (“Single Protection”). At an additional cost, you may purchase protection for a Co-Borrower (“Borrower 2”) against the Protected Events within the Plan purchased (“Joint Protection”). Co- signers, guarantors, and non-borrower owners of collateral are not eligible for protection. What types of loans are eligible for protection under the Plan? The following types of loans are eligible for protection if the Plan is made available to you on that loan type: closed-end consumer installment loans if the loan has a term of 120 months or less; open-end consumer credit plans and unsecured lines of credit; and credit cards. What is the Plan Fee and how is it collected? The Plan Fee is the amount you pay for the Protection. It is calculated by applying the rate per $1,000 of your monthly outstanding balance or loan amount and will be charged and collected monthly. For closed-end loans, if the Protection is purchased at loan closing, the fee becomes part of your required monthly loan payment. For open-end loans, the fee will be added to your outstanding balance as an advance each month which must be paid in full each month, increasing your minimum payment due. If Payment Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance as an advance each month; in such a case, we may either increase your minimum monthly payment or extend the term of your loan. Interest will accrue on the Payment Protection advance. If you fail to pay the fee, we can cancel the Protectionprotection or, at our option, add the fee to your outstanding balance upon which it will accrue interest. Such addition may extend the term of your loan. Can the Plan Fee and terms of this Agreement Change? Yes. We can change the terms of this Agreement, including the rates, at any time. If we do so, you will be provided prior notice and an opportunity to cancel your Agreement under the Plan. Can this Agreement be contested? Yes. If a Protected Event occurs within the first 2 years of this Plan, and if we find that you did not meet the eligibility requirements at the time of your application, your protection under the Plan will be removed, you will receive a refund of fees paid, and an otherwise valid claim will be denied. PROTECTED EVENTS The following describes the types of Protected Events and the protection afforded under each Plan: LOSS OF LIFE (All Plans) What is the Loss of Life benefit? We will cancel the amount of your Outstanding Balance as of the date of death, up to $70,000 DISABILITY (Plans 1 and 2) What does Disability mean and how do I qualify for Disability? Disability means your continuous inability, due to sickness or injury, to perform the substantial and material duties of your regular occupation and you are under the regular care and treatment of a licensed physician or licensed health care provider. To qualify for Disability protection, you must be disabled for thirty (30) consecutive days. Benefits begin to accrue on the first (1st) day that you are disabled. What amounts are cancelled under the Disability protection? For each occurrence of Disability, we will cancel 1/30th of the Payment for each day that you are disabled beginning with the first (1st) day of Disability and continuing for up to twelve (12) Payment cancellations. However, cancellations will immediately cease if you recover or return to work; or if the loan is paid off, is refinanced, or is discharged for any reason. Cancellation is limited to a total of $24,000 over the term of the loan, regardless of the number of occurrences. The maximum monthly cancellation is $1,000. What if the same or related disability occurs? Please see the “What if I suffer a recurrence?” question in the General Provisions section below.

TERMS OF PROTECTION. Who is eligible for protection? This Plan protects one an eligible Borrower (“Borrower 1”) against Protected Events that occur while you are enrolled in the Plan (“Single Protection”). At an additional cost, you may purchase protection for a Co-Borrower (“Borrower 2”) against the Protected Events within the Plan purchased (“Joint Protection”). Co-signers, guarantors, and non-borrower owners of collateral are not eligible for protection. What types of loans are eligible for protection under the Plan? The following types of loans are eligible for protection if the Plan is made available to you on that loan type: closed-end consumer installment home equity loans if the loan has a term of 120 months or less; consumer (e.g. second mortgages), and home equity lines of credit; and credit cards. What is the Plan Fee and how is it collected? The Plan Fee is the amount you pay for the Protection. It is calculated by applying the rate per $1,000 of your monthly outstanding balance or loan amount and will be charged and collected monthly. For closed-end loans, if the Protection is purchased at loan closing, the fee becomes part of your required monthly loan payment. For open-end loans, the fee will be added to your outstanding balance as an advance each month which must be paid in full each month, increasing your minimum payment due. If Debt Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance as an advance each month; in such a case, we may either increase your minimum monthly payment or extend the term of your loan. Interest will accrue on the debt protection advance. If you fail to pay the fee, we can cancel the Protectionprotection or, at our option, add the fee to your outstanding balance upon which it will accrue interest. Such addition may extend the term of your loan. Can the Plan Fee and terms of this Agreement Change? Yes. We can change the terms of this Agreement, including the rates, at any time. If we do so, you will be provided prior notice and an opportunity to cancel your Agreement under the Plan. Can this Agreement be contested? Yes. If a Protected Event occurs within the first 2 years of this Plan, and if we find that you did not meet the eligibility requirements at the time of your application, your protection under the Plan will be removed, you will receive a refund of fees paid, and an otherwise valid claim will be denied. PROTECTED EVENTS The following describes the types of Protected Events and the protection afforded under each Plan: LOSS OF LIFE (All Plans) What is the Loss of Life benefit? We will cancel the amount of your Outstanding Balance as of the date of death, up to $70,000 DISABILITY (Plans 1 and 2) What does Disability mean and how do I qualify for Disability? Disability means your continuous inability, due to sickness or injury, to perform the substantial and material duties of your regular occupation and you are under the regular care and treatment of a licensed physician or licensed health care provider. To qualify for Disability protection, you must be disabled for thirty (30) consecutive days. Benefits begin to accrue on the first (1st) day that you are disabled. What amounts are cancelled under the Disability protection? For each occurrence of Disability, we will cancel 1/30th of the Payment for each day that you are disabled beginning with the first (1st) day of Disability and continuing for up to twelve (12) Payment cancellations. However, cancellations will immediately cease if you recover or return to work; or if the loan is paid off, is refinanced, or is discharged for any reason. Cancellation is limited to a total of $24,000 over the term of the loan, regardless of the number of occurrences. The maximum monthly cancellation is $1,000. What if the same or related disability occurs? Please see the “What if I suffer a recurrence?” question in the General Provisions section below.

TERMS OF PROTECTION. Who is eligible for protection? This Plan protects one an eligible Borrower (“Borrower 1”) against Protected Events that occur while you are enrolled in the Plan (“Single Protection”). At an additional cost, you may purchase protection for a Co-Borrower (“Borrower 2”) against the Protected Events within the Plan purchased (“Joint Protection”). Co-signers, guarantors, and non-borrower owners of collateral are not eligible for protection. What types of loans are eligible for protection under the Plan? The following types of loans are eligible for protection if the Plan is made available to you on that loan type: closed-end consumer installment loans if the loan has a term of 120 months or lessloans; consumer lines of credit; and credit cards; and home equity lines of credit. When can I purchase protection? For eligible closed-end loans, the Plan can be purchased within 180 days of the loan origination date. For eligible open-end loans, the Plan may be purchased within 180 days of opening the loan, at the time of an advance, or within 180 days of an advance. What is the Plan Fee and how is it collected? The Plan Fee is the amount you pay for the Protection. It is calculated by applying the rate per $1,000 of your monthly outstanding balance and will be charged and collected monthly. For closed-end loans, if the Protection is purchased at loan closing, the fee becomes part of your required monthly loan payment. For open-end loans, the fee will be added to your outstanding balance as an advance each month which must be paid in full each month. If Debt Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance each month; in such a case, we may either increase your minimum monthly payment or extend the term of your loan. If you fail to pay the fee, we can cancel the Protectionprotection. Can the Plan Fee and terms of this Agreement Change? Yes. We can change the terms of this Agreement, including the rates, at any time. If we do so, you will be provided prior notice and an opportunity to cancel your Agreement under the Plan. Can this Agreement be contested? Yes. If a Protected Event an event occurs within the first 2 years of this Plan, and if we find that you did not meet the eligibility requirements at the time of your application, your protection under the Plan will be removed, you will receive a refund of fees paid, and an otherwise valid claim will be denied. PROTECTED EVENTS The following describes the types of Protected Events and the protection afforded under each Plan: LOSS OF LIFE (All Plans) What is the Loss of Life benefit? We will cancel the amount of your Outstanding Balance as of the date of death, up to $70,000 DISABILITY (Plans 1 and 2) What does Disability mean and how do I qualify for Disability? Disability means your continuous inability, due to sickness or injury, to perform the substantial and material duties of your regular occupation and you are under the regular care and treatment of a licensed physician or licensed health care provider. To qualify for Disability protection, you must be disabled for thirty (30) consecutive days. Benefits begin to accrue on the first (1st) day that you are disabled. What amounts are cancelled under the Disability protection? For each occurrence of Disability, we will cancel 1/30th of the Payment for each day that you are disabled beginning with the first (1st) day of Disability and continuing for up to twelve (12) Payment cancellations. However, cancellations will immediately cease if you recover or return to work; or if the loan is paid off, is refinanced, or is discharged for any reason. Cancellation is limited to a total of $24,000 over the term of the loan, regardless of the number of occurrences. The maximum monthly cancellation is $1,000. What if the same or related disability occurs? Please see the “What if I suffer a recurrence?” question in the General Provisions section below.

TERMS OF PROTECTION. Who is eligible for protection? This Plan protects one an eligible Borrower (“Borrower 1”) against Protected Events that occur while you are enrolled in the Plan (“Single Protection”). At an additional cost, you may purchase protection for a Co-Borrower (“Borrower 2”) against the Protected Events within the Plan purchased (“Joint Protection”). Co-signers, guarantors, and non-borrower owners of collateral are not eligible for protection. What types of loans are eligible for protection under the Plan? The following types of loans are eligible for protection if the Plan is made available to you on that loan type: closed-end auto loans, consumer installment loans if the loan has a term of 120 months or less; consumer lines of credit; loans, and credit cards. What is the Plan Fee and how is it collected? The Plan Fee is the amount you pay for the Protection. It is calculated by applying the rate per $1,000 of your monthly outstanding balance or loan amount and will be charged and collected monthly. For closed-end loans, if the Protection is purchased at loan closing, the fee becomes part of your required monthly loan payment. For open-end loans, the fee will be added to your outstanding balance as an advance each month which must be paid in full each month, increasing your minimum payment due. If Debt Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance as an advance each month; in such a case, we may either increase your minimum monthly payment or extend the term of your loan. Interest will accrue on the debt protection advance. If you fail to pay the fee, we can cancel the Protectionprotection or, at our option, add the fee to your outstanding balance upon which it will accrue interest. Such addition may extend the term of your loan. Can the Plan Fee and terms of this Agreement Change? Yes. We can change the terms of this Agreement, including the rates, at any time. If we do so, you will be provided prior notice and an opportunity to cancel your Agreement under the Plan. Can this Agreement be contested? Yes. If a Protected Event occurs within the first 2 years of this Plan, and if we find that you did not meet the eligibility requirements at the time of your application, your protection under the Plan will be removed, you will receive a refund of fees paid, and an otherwise valid claim will be denied. PROTECTED EVENTS The following describes the types of Protected Events and the protection afforded under each Plan: LOSS OF LIFE (All Plans) What is the Loss of Life benefit? We will cancel the amount of your Outstanding Balance as of the date of death, up to $70,000 DISABILITY (Plans 1 and 2) What does Disability mean and how do I qualify for Disability? Disability means your continuous inability, due to sickness or injury, to perform the substantial and material duties of your regular occupation and you are under the regular care and treatment of a licensed physician or licensed health care provider. To qualify for Disability protection, you must be disabled for thirty (30) consecutive days. Benefits begin to accrue on the first (1st) day that you are disabled. What amounts are cancelled under the Disability protection? For each occurrence of Disability, we will cancel 1/30th of the Payment for each day that you are disabled beginning with the first (1st) day of Disability and continuing for up to twelve (12) Payment cancellations. However, cancellations will immediately cease if you recover or return to work; or if the loan is paid off, is refinanced, or is discharged for any reason. Cancellation is limited to a total of $24,000 over the term of the loan, regardless of the number of occurrences. The maximum monthly cancellation is $1,000. What if the same or related disability occurs? Please see the “What if I suffer a recurrence?” question in the General Provisions section below.