EFFECTIVE: June 1, 2008.

PREMIUM RATES for AUTO LOANS (not a Lease or Balloon Loan)

PREMIUM RATES for AUTO LEASES OR BALLOON LOANS:

UNDERWRITING RULES—

Maximum APR of the Auto Loan: 12.5%

Maximum Term: 84 Months for Auto Loans; 60 Months for Auto Leases/Balloon Loans

Enrollment Period: Loan/Lease can be enrolled coverage if financed with within last 12 months

Gap Coverage Limited To—

120% of MSRP (New Vehicles) or NADA Retail (Used Vehicles) plus 30% for Dealer Adds (like Service Contracts, Credit Life, etc.)

NOTE: A consumer who is financed above these levels certainly needs gap coverage; however in case of a claim, it’s likely the consumer will have some leftover gap deficiency to pay off.

Vehicle Age Limitation: Current Model Year minus 8 Years (2008 Model Year: Vehicle must 2000/newer).

Vehicles: Private passenger autos, trucks and vans. No heavy commercial-use vehicles; no livery or delivery type vehicles are eligible.

Maximum Loan Amount Financed: $100,000.

Vehicles Financed with Open-End Line of Credit or Revolving Credit are Not Eligible. No single payment of irregularly amortizing loan contracts.