Page 5 - WVFCU: Community Connection: Winter 2022

Debt Protection
Debt Protection
WVFCU offers Debt Protection, Gap and Mechanical Repair.
Your safeguard WVFCU off ers D ebt P r ot ec tion, G ap and Mechanic al Repair .
Your safeguard S e e our cust omer ser vic e for more det a ils .
See our customer service for more details.
against the
against the
unexpected.
unexpected.
Debt Protection

Your safeguard
against the

unexpected.
Do everything you can to take care of the ones you love.
Do everything you can to take care of the ones you love.

Debt Protection Things to know about
Debt Protection
Things to know about
Your family means everything to you. And if Debt Protection:
Debt Protection:
Your family means everything to you. And if
the unexpected happens, you don’t want an
the unexpected happens, you don’t want an
emotionally trying situation to be compounded It’s easy
emotionally trying situation to be compounded
It’s easy
by financial worry. That’s why there’s Debt Simple to apply for, and takes
by financial worry. That’s why there’s Debt
Simple to apply for, and takes
Protection, which may cancel your loan balance effect immediately.
effect immediately.
Protection, which may cancel your loan balance
or payments in case of:
Do everything you can to take care of the ones you love.
or payments in case of:
• Involuntary unemployment - a covered It’s budget-friendly
• Involuntary unemployment - a covered It’s budget-friendly
job loss occurs Comfortably fits into your
job loss occurs
Comfortably fits into your
• Disability - a covered disability occurs

GAP monthly payment.
monthly payment.

• Disability - a covered disability occurs
due to illness or injury
due to illness or injury
• Death - protected borrower passes away It puts you at ease
Debt Protection

• Death - protected borrower passes away
Essential protection Things to know about
It puts you at ease
Rest easy, knowing you’re taken
GAP
care of in so many problem
Rest easy, knowing you’re taken
situations.on:
Your family means everything to you. And if
care of in so many problem
GAP
for your vehicle Debt Protecti
GAP
GAP
the unexpected happens, you don’t want an
situations.
GAP
Essential protection It’s easy
emotionally trying situation to be compounded
loan—and your
Essential protection
Essential protection
GAP
Essential protection
Essential protection
by financial worry. That’s why there’s Debt
Simple to apply for, and takes
for your vehicle
for your vehicle
for your vehicle
finances.
for your vehicle
Protection, which may cancel your loan balance
for your vehicle
loan—and your effect immediately.
loan—and your
Take an important step toward financial security.
loan—and your
Essential protection
loan—and your
or payments in case of:
loan—and your
Take an important step toward financial security.
Ask us about Debt Protection today.
finances. It’s budget-friendly
finances.
finances.
finances.
for your vehicle
finances.

Ask us about Debt Protection today.
• Involuntary unemployment - a covered
job loss occurs
loan—and your Comfortably fits into your
Your purchase of Debt Protection 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.
monthly payment.

• Disability - a covered disability occurs
Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.
Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the
finances.
Vehicle loan protection for what your auto insurance may not
Certain eligibility requirements, conditions and exclusions may apply.
protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
Vehicle loan prote
due to illness or injuryction for what your auto insurance may not
Vehicle loan protection for what your auto insurance may not
Vehicle loan protection for what your auto insurance may not
Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the
DP-3414660.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
Vehicle loan protection for what your auto insurance may not
cover for a wrecked vehicle.
protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
cover for a wrecked vehicle.
cover for a wrecked vehicle.
• Death - protected borrower passes away

cover for a wrecked vehicle.
cover for a wrecked vehicle.hat your auto insurance may not
Vehicle loan protection for w It puts you at ease
DP-3414660.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
cover for a wrecked vehicle. Rest easy, knowing you’re taken
care of in so many problem
That’s where Guaranteed Asset Fair market insurance value isn’t
That’s where Guaranteed Asset
Fair market insurance value isn’t
Fair market insurance value isn’t
That’s where Guaranteed Asset
situations.
That’s where Guaranteed Asset Fair market insurance value isn’t
always fair. There may be a gap.t
Fair market insurance value isn’
That’s where Guaranteed A
Protection (GAP) comes in.sset
always fair. There may be a gap.
Protection (GAP) comes in.
Vehicle loan protection for what your auto insurance may not
Protection (GAP) comes in.
always fair. There may be a gap.
always fair. There may be a gap.
Protection (GAP) comes in.
If your vehicle is deemed a total loss due to an
If your vehicle is deemed a total loss due to an
always fair. There may be a gap.
Protection (GAP) comes in.
If your vehicle is deemed a total loss due to an
cover for a wrecked vehicle.
accident or stolen, there can be a significant gap
$25,000
If your vehicle is deemed a total loss due to an
accident or stolen, there can be a significant gap
Fair market insurance value isn’t
That’s where Guaranteed Asset $25,000 LOAN BALANCE
$25,000
accident or stolen, there can be a significant gap
$25,000
If your vehicle is deemed a total loss due to an
between what you owe on your loan and what
accident or stolen, there can be a significant gap
between what you owe on your loan and what
between what you owe on your loan and what
LOAN BALANCE
always fair. There may be a gap.
Protection (GAP) comes in. $25,000 GAP $$$ LOAN BALANCE
your auto insurance will cover. GAP may reduce
between what you owe on your loan and what
LOAN BALANCE
your auto insurance will cover. GAP may reduce
accident or stolen, there can be a significant gap
your auto insurance will cover. GAP may reduce
GAP $$$
your auto insurance will cover. GAP may reduce DOLLARS INSURANCE LOAN BALANCE
or even eliminate that shortfall in the event your
GAP $$$
or even eliminate that shortfall in the event your
If your vehicle is deemed a total loss due to an
DOLLARSS
GAP $$$
or even eliminate that shortfall in the event your
between what you owe on your loan and what
DOLLAR
INSURANCE
or even eliminate that shortfal
vehicle is deemed a total loss.l in the event your
DOLLARS
vehicle is deemed a total loss.
INSURANCE
vehicle is deemed a total loss.
accident or stolen, there can be a significant gap
Fair market insurance value isn’t
SETTLEMENT
INSURANCE
That’s where Guaranteed Asset $25,000 SETTLEMENT
your auto insurance will cover. GAP may reduce
vehicle is deemed a total loss.
SETTLEMENT
SETTLEMENT
GAP $$$
between what you owe on your loan and what always fair. There may be a gap.
LOAN BALANCE
Protection (GAP) comes in.
or even eliminate that shortfall in the event your
your auto insurance will cover. GAP may reduce INSURANCE
Ask us about Debt Protection today.
vehicle is deemed a total loss. DOLLARS
If your vehicle is deemed a total loss due to an
Take an important step toward financial security. GAP $$$
or even eliminate that shortfall in the event your $25,000 SETTLEMENT
accident or stolen, there can be a significant gap 0 12 24 36 48 60
48
36
60
0
24
12
0 INSURANCE
48
12
60
24
36
vehicle is deemed a total loss. DOLLARS 0 12 24 36 48 60
between what you owe on your loan and what SETTLEMENT MONTHS
MONTHS
LOAN BALANCE
MONTHS
For illustrative purposes only.
For illustrative purposes only.
For illustrative purposes only.
your auto insurance will cover. GAP may reduce GAP $$$ MONTHS
Your purchase of Debt Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.
For illustrative purposes only.
VOL. 8 | WINTER 2022 | ISSUE 1 PAGE 5
Certain eligibility requirements, conditions and exclusions may apply.
or even eliminate that shortfall in the event your
INSURANCE
vehicle is deemed a total loss. DOLLARS 0 SETTLEMENT 24 36 48 60
Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection. You may cancel the
Protect your vehicle loan—purchase GAP today!
Protect your vehicle loan—purchase GAP today!
12
Protect your vehicle loan—purchase GAP today!
protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.
0
12
Protect your vehicle loan—purchase GAP today! 24 MONTHS 36 48 60
DP-3414660.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
For illustrative purposes only.
MONTHS
Your purchase of MEMBERS CHOICE TM Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit
Your purchase of MEMBERS CHOICE TM Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit
Your purchase of MEMBERS CHOICE TM Guaranteed Asset Protection (GAP) is optional and will not affect your loan 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
For illustrative purposes only.
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
Your purchase of MEMBERS CHOICE TM Guaranteed Asset Protection (GAP) is optional and will not affect your loan 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
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
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.
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. 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.
12
0
36
24
48
GAP purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non- 60
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 purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-
GAP purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-
refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
Protect your vehicle loan—purchase GAP today! MONTHS
GAP purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-
refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
Protect your vehicle loan—purchase GAP today!
GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
For illustrative purposes only.
GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any
GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any
GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any
time during the loan and receive a refund of the unearned fee.
time during the loan and receive a refund of the unearned fee.
GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any
time during the loan and receive a refund of the unearned fee.
time during the loan and receive a refund of the unearned fee.
GAP-3414653.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
GAP-3414653.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
GAP-3414653.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
GAP-3414653.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
Your purchase of MEMBERS CHOICE Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit
TM
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
Your purchase of MEMBERS CHOICE Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit
Protect your vehicle loan—purchase GAP today!
TM
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.o your loan amount will increase the cost
GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee t
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 purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-
GAP purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-
refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
TM
Your purchase of MEMBERS CHOICE Guaranteed Asset Protection (GAP) is optional and will not affect your loan application for credit or the terms of any credit
refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
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 purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.

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
GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any
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 purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any
time during the loan and receive a refund of the unearned fee.
time during the loan and receive a refund of the unearned fee.
GAP purchase from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-
GAP-3414653.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee.
GAP-3414653.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.
GAP purchase from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee.
GAP purchase from state chartered credit unions in IN may be without a refund provision. If the credit union offers a refund provision, you may cancel at any
time during the loan and receive a refund of the unearned fee.
GAP-3414653.1-0121-0423 CUNA Mutual Group ©2021, All Rights Reserved.