Optional Loan Coverage

Taking out a loan at Hiway for a new car, a new boat or a vacation means one of your dreams is about to come true. But what happens to your dream when the unexpected hits? Protecting your loan payments against death, disability or involuntary unemployment could help protect your finances.

Safeguard Your Finances

Payment Protection coverage is available for Consumer Loans and Visa^® credit cards. This coverage may cancel or waive your eligible loan balance, according to the contract terms and maximums, should you die before paying off your loan.

In addition, if you become disabled or become involuntarily unemployed, it may cancel or waive your monthly loan payment, according to the contract terms and maximums.

Additional Benefits:

1. Protects up to 2 borrowers per loan
2. Fast, easy enrollment
3. Immediate protection for eligible borrowers
4. Convenient — fee is included in your loan payment

_{Your purchase of Payment 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. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Payment Protection. 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.
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You depend on your vehicle for so many things. What would you do if it broke down and needed serious repairs that were not covered under a warranty?

A typical factory warranty only provides coverage for 3 years/36,000 miles. Since most major repairs occur after the manufacturer's warranty expires, you could save yourself hundreds, or even thousands, of dollars with Mechanical Breakdown Insurance (MBI) from Hiway. MBI is an extended warranty that activates after your manufacturer's warranty expires.

Most borrowers are keeping their vehicle longer and repair costs keep rising. With MBI, you'll appreciate the additional security of knowing your vehicle is covered for mechanical repairs relating to the engine, transmission, suspension and electrical components, as well as wear and tear.

Features:

• Option of $0 deductible
• Nationwide protection — choose your repair facility anywhere in the U.S. or Canada
• Option to finance 100% of the cost
• Repair facility is paid directly by Hiway — there is no waiting to be reimbursed
• Choice of protection plans — Premier Platinum, Premier Gold & Premier Bronze
• Coverage for new or eligible used vehicles
• Can purchase a protection plan at any time, either when financing a new loan or at a later date
• Available for vehicle loans financed with Hiway or financed elsewhere
• Don't leave your vehicle unprotected. Gain the peace of mind that MBI offers.

What would happen if you bought a new vehicle this year and totaled it next year? You would probably end up having to pay — maybe even thousands of dollars — for the difference between your loan balance and the replacement value of the automobile.

We can help: our Guaranteed Asset Protection (GAP) Advantage coverage will cover the "gap" between what is owed on your auto loan and what your insurance company will pay. For just a few dollars per month, you can protect yourself against this kind of unexpected expense. Benefits may include:

• Protection for your loan up to 84 months.
• Coverage for vehicles valued up to $100,000 at the time of purchase.
• Payment benefits up to $50,000.
• Coverage for auto insurance deductibles up to $1,000 if a gap exists.
• Coverage for new or used vehicles.
• $1,000 toward the purchase or lease of a replacement vehicle.*

Features:

• Enhanced protection for your investments
• Competitive coverage rates
• Available for new or existing loans
• Get GAP Advantage Protection when you apply for your vehicle loan, and your payments can be rolled into your monthly loan payment.

Auto Advantage Program

When you purchase GAP Advantage coverage, you'll also receive these other complementary services¹:

• Auto Deductible Reimbursement - In the event of any loss, you can receive a reimbursement of up to $500 for your auto insurance deductible.^*
• Personal ID Restoration Consulting - If you are a victim of identity theft, you can easily get help from a professional and restore your good name. 
• Warranty Vault - An online service that helps you protect your purchases by storing and organizing your product warranties.

<sub>* Qualifications apply
1. Included with GAP Advantage coverage purchased after 1/1/2016.</sub>

What's your rainy day plan? Life is unpredictable and rainy days happen to everyone. Sometimes you need to stretch your budget for unforeseen reasons such as a job loss, medical expenses or emergencies.

Don't Get Caught Without Your Umbrella

To help prevent the rainy days from drowning you, you have the assurance of your umbrella. At Hiway, you have the assurance of Credit Protector*.

Credit Protector can be added to your qualifying loan for a one-time participation fee of $129 and allows you to:

• Defer a monthly payment up to three times
• Defer the payments for any reason
• Defer one month at a time or use all three at once

Put your mind at ease and add Credit Protector to your Hiway loan(s).

_{*The following loans do not qualify for the Credit Protector: Real Estate Loans, Visa^® Credit Cards, Student Loans, Fast Credit Lines, Online Deposit Line of Credit, Large RV/Boat Loans and Helper Loans. A one-time participation fee of $129 per loan will apply. You must be current on all Hiway loans to elect Credit Protector.}