Welcome Federal Credit Union offers members a variety of optional protection and insurance products to help protect your assets and guard your family's well being. Below is a brief description of some of these products.

• We have an insurance tracking service provided by Evans, Simpson & Associates, Inc. You may receive a letter from us asking you to provide proof of valid insurance coverage on the vehicles and/or mortgages you have financed through WFCU. To prevent insurance premiums from being added to your existing loan balance, it is important that you follow the instructions in the letter and provide the requested information. The insurance tracking customer service center can be reached at 1-800-635-5142 or visit the web site at: www.wehaveinsurance.com.
• Welcome Federal Credit Union has a joint marketing agreement with CMFG Life Insurance Company to make comprehensive and affordable insurance products available to our members. Direct marketing pieces with insurance information are mailed to your home address. CMFG Life is the parent company of the CUNA Mutual Group and has been serving credit unions and their members for over 75 years. You can voluntarily ‘opt out’ of these mailings by notifying your branch.

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• Welcome Federal Credit Union is insured by National Credit Union Administration (NCUA) Share Insurance. Not one penny of insured savings has ever been lost by a member of a federally insured Credit Union.
We invite you to visit National Credit Union Administration (NCUA) share insurance web page for information about your insured funds.

http://www.ncua.gov/DataApps/Pages/SI-Tools.aspx

http://www.ncua.gov/Legal/GuidesEtc/GuidesManuals/NCUAYourInsuredFunds.pdf

MEMBER'S CHOICE® Credit Disability Insurance and MEMBER'S CHOICE® Joint Credit Disability Insurance

• Optional MEMBER'S CHOICE® Credit Disability Insurance is offered on most loan accounts with WFCU. MEMBER'S CHOICE® Credit Disability Insurance is a way to help protect your loan. There's no way anyone can predict a total disability due to injury or illness, but you can take steps along with way to make sure your family is provided for if the unforeseen were to happen to you. MEMBER'S CHOICE® Credit Disability Insurance may help make your loan payment when you and your family need it most.*
  The premium is included in your monthly loan payment. If you have a balance on your loan at the time of a total disability, MEMBER'S CHOICE® Credit Disability Insurance may help.*
• Optional MEMBER'S CHOICE® Joint Credit Disability Insurance is also offered on most loan accounts with WFCU. MEMBER'S CHOICE® Joint Credit Disability Insurance is a way to help protect your loan in a dual income household. For many families living paycheck to paycheck, a total disability due to injury or medical-related illness would create a financial hardship. MEMBER'S CHOICE® Joint Credit Disability Insurance is a way to prepare for the unexpected. It may help pay your loan, so you or your loved one can focus on getting better.*
  The premium is included in your monthly loan payment. If there is a balance on your loan and either borrower becomes totally disabled due to a covered injury or illness, MEMBER'S CHOICE® Joint Credit Disability Insurance may help.*

The premium is included in your monthly loan payment. If there is a balance on your loan and either borrower becomes totally disabled due to a covered injury or illness, MEMBER'S CHOICE® Joint Credit Disability Insurance may help.*
Some disability insurance pays only a fraction of your salary, and that's if you qualify. MEMBER'S CHOICE® Credit Disability Insurance and MEMBER'S CHOICE® Joint Credit Disability Insurance may help make your loan payments while you're totally disabled due to a covered illness or injury.*

*Up to your policy maximums per terms and conditions and exclusions on your Credit Insurance Certificate. Be sure to read the Credit Insurance Application and Credit Insurance Certificate which will explain the exact terms, conditions, and exclusions of the policy. Only a licensed insurance agent may provide consultation on your insurance needs. These are voluntary insurance products. Your financing outcome is not based on your selection of this product(s). Claims may be filed by contacting your WFCU Loan Officer.

Guaranteed Asset Protection PLUS (GAP) is designed to cancel the potentially high-cost difference between a vehicle's actual cash value and your loan balance according to provisions and conditions set forth in the waiver. GAP helps provide financial security in the event that your vehicle is totaled. If your vehicle is stolen and not recovered or damaged beyond repair, GAP helps take care of the difference between the auto insurance settlement and the remaining loan balance.

GAP Plus protection also includes $1,000 toward your replacement vehicle loan (where allowed by law and when financed by WFCU).

It's easy to be covered. You can sign up for GAP when you apply for your vehicle loan. There's no underwriting, no red tape, no hassles. And for your convenience, the amount can be rolled into your monthly loan payment.

Your purchase of MEMBER'S CHOICE™ Guaranteed Asset Protection (GAP) 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 GAP. If you choose GAP, adding the product fee to your loan amount will increase the cost of GAP.

Mechanical Repair Coverage helps you cover costly vehicle repairs that are no longer covered by the vehicle's manufacturer's warranty. Mechanical Repair Coverage (MRC) protects new and eligible used vehicles even after the manufacturer's warranty expires. The knowledge that you have MRC helps to bring you peace of mind and helps minimize the impact of unexpected repair bills.

If coverage is canceled within the first 90* days you will receive a full refund or you will receive a pro-rated refund thereafter less a nominal administrative fee.

*See Mechanical Repair Agreement/Insurance Policy for any state variations.

CUNA Mutual Group is the marketing name for CUNA mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. MEMBER'S CHOICE® Mechanical Repair Coverage is administered by Consumer Program Administrators, Inc. in all states except CA and AK, where coverage is administered by Virginia Surety Company, Inc., WA, where coverage is administered by National Product Care Company, Inc., and FL, LA, OK and WI, where coverage is administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023). This coverage is made available to you by CUNA Mutual Insurance Agency, Inc., and is insured by Virginia Surety Company, Inc.

Mechanical Repair Coverage may not be available to WFCU members in all states.

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