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I understand that by skipping a loan payment, my loan maturity date will be extended, adding an extra payment at the end of my loan term. Finance charges will continue to be calculated and accrued as agreed in my original loan document, which remains in effect until my loan is paid in full. Loans are limited to one (1) Skip-A-Payment per calendar year, and up to a maximum of three (3) over the life of the loan. Deferring a payment may result in my paying higher total Finance Charges than if I made my payments as originally scheduled. Skipping a payment will not affect my payment record. Loan protection premiums will still be added to the loan for the skipped month. If funds for payment of the Skip-A-Payment fee are not available, the Skip-A-Payment request for is void.

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