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| New cars as low as |
| 5.25% |
| Used cars as low as |
| 5.75% |
100% financing available
for qualified buyers |
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New Home equity lines of
credit for as low as |
| Prime + 1 |
|
Free closing costs provided
first advance is
$10,000 or more |
| Prime Rate: 3.25% |
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| Current as of: 06-01-10 |
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» Relationship
Rewards
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Fee Schedule |
| Privacy Policy |
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Think Your Auto Insurance Covers You
Financially...Think Again! You May Need...
Guaranteed Auto Protection Plus
In the event your vehicle is deemed a total loss due to an accident or theft, your auto insurance policy will usually only cover the actual cash value or market value of your vehicle less a deductible. This settlement could be significantly less than the amount you owe to your lender or leasing company. The final result is a financial GAP where you must make up the difference, which could mean thousands of dollars out of your pocket.
- Protects individuals who finance a new or used vehicle from the financial GAP
In the current market, during the first few years that you own your vehicle, your loan/lease balance can be higher than the actual value of your vehicle, as a result of depreciation. As your vehicle's value declines, your loan/lease balance may decline more slowly resulting in a financial gap. If your vehicle were stolen, or totaled in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan/lease balance.
- Covers the difference between the actual cash value of your vehicle and the loan/lease balance, less the delinquent payments, late charges, refundable service warranty contracts and other insurance related charges.
- Will even cover your auto insurance deductible of up to $1000(but not exceed the actual deficiency).
GAP Plus is a loan/lease deficiency waiver and is not offered as insurance coverage.
The purchase of GAP Plus is voluntary and cannot be required as a condition of credit approval.
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| Loan
Balance After One Year |
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$15,000 |
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| Vehicle's
Value |
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$11,000 |
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| Your
Deductible |
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$1,000 |
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| Settlement |
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$10,000 |
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| Your
GAP |
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$5,000 |
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| GAP
Plus Pays |
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$5,000 |
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| Without Guaranteed Auto Protection Plus, you would be required to pay this $5,000 in order to pay off your loan/lease balance. |
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