GAP (Guaranteed Asset Protection)

When a vehicle is declared a total loss, the primary auto insurance settlement is generally based on the market value of the vehicle. This amount may be substantially less than the balance due on the vehicle. The financial gap remaining is a difference that you have to pay. If you have an incident where your car is declared totaled and you still owe more on your finance or lease contract, GAP can lessen or even eliminate your remaining balance, including your insurance deductible in most states. GAP is best for drivers who are looking for added security against unforeseen circumstances such as theft, fire, total loss, or natural disasters.

How this plan can help reduce your cost of ownership:

Primary Insurance companies only cover the Actual Cash Value(ACV) of your vehicle in the event of a total loss. Whereas GAP protection will pay the difference between the ACV and the Loan/Lease Balance. Below are a few items to consider:

• Over 5 million vehicles are totaled in the U.S. every year. (Source: NADA)
• According to AllState, in their 2015 Annual Report, automobile accident frequency was up 7.5% year over year.
• Vehicles today are more costly to repair due to the added technology…In many cases, it is less expensive for insurance companies to total out a vehicle than it is to repair it.
• Increase in the severity of claims due to: Decrease in Used Car Values, Increase in Loan Terms, Increase in the Amount Financed, and Increase in Loan Rates.

Features and Benefits:

• Available on Loans or Leases up to 84 Month Terms.
• Available on loan amounts up to 150% of your vehicle’s MSRP if new or NADA if pre-owned.
• Covers the Primary Insurance Deductible up to $1,000
• Maximum Payable benefit not to exceed $50,000.
• Maximum Amount Financed $100,000

Here's how it works:

Loan / Lease Payoff	$19,349.00
Insurance Settlement (ACV)	$13.226.00
Deductible	$500.00
Potential Out of Pocket Expense (GAP)	$5,623.00

Available For: Finance – Lease

Coverage Exclusions May Apply: The information above is intended to provide a summary of coverage and benefits. All transactions related to the optional products are governed solely by the provisions of the Agreement. Please refer to the customer agreement for details of terms, conditions, and specific coverage details, including limitations and exclusions.

Key/Fob Replacement Coverage

Most modern vehicles are now operated using electronic keys which are programed to correspond with codes located in the vehicles ignition. Replacing these new keys, FOBs and remotes when they are lost, stolen or destroyed can be costly. Key replacement programs often provide you with a replacement key, cover programming costs for missing or damaged key and may even provide roadside assistance and lock-out service.

How this plan can help reduce your cost of ownership:

Today’s car keys are far more advanced than they were a generation ago. Many keys incorporate computer chips for remote locking systems, trunks and ignitions. When keys need to be replaced, it's a costly endeavor that also includes reprogramming. That’s why replacing your car’s key and remote can cost hundreds of dollars.

• Key Replacement Coverage not only protects you against the expense of damaged, destroyed, stolen, and lost keys, but helps eliminate the hassles of an already stressful situation.

Features and Benefits:

• 24-Hour Vehicle Lock-Out Assistance
• 24-Hour Home Lock-Out Assistance
• Additional Key Replacement Coverage (Defined as others key on the covered key’s, key ring)
• Emergency Towing Assistance
• Emergency Roadside Assistance
• Emergency Travel Expense
• Pay’s up to $400 per incident on Standard Vehicles and up to $750 on Luxury Vehicles.

Available For: Cash – Finance – Lease

Coverage Exclusions May Apply: The information above is intended to provide a summary of coverage and benefits. All transactions related to the optional products are governed solely by the provisions of the Agreement. Please refer to the customer agreement for details of terms, conditions, and specific coverage details, including limitations and exclusions.

Vehicle Appearance Protection

Interior and Exterior Protection means added value for your vehicle. Exterior Protection products are designed to protect your vehicle's exterior from such elements as acid rain, bird waste, tree sap and other contaminants that can damage the surface of your vehicle. Interior protection products protect your vehicle's fabric, leather or vinyl from damage caused by food and beverage stains, fading and discoloration from the sun's ultra-violet rays. Vehicle appearance protection products can help keep your vehicle looking beautiful inside and out.

How this plan can help maximize your return on investment: Items to Consider…

1. Interior and Exterior Appearance is one of the most important factors when determining a vehicles value at the time of trade-in.
2. The manufacturer’s warranty only covers defects in workmanship…Environmental Hazards, Minor Dings & Dents, as well as Interior Staining is NOT Covered.
3. New Vehicle Paint is robotically applied and is more susceptible to environmental hazards.
4. Off the shelf waxes breakdown when exposed to heat and do not provide long term protection.

Xzilon Automotive Protection

Every time your car is out on the road, your vehicle's value and beauty is exposed to everyday wear and tear. The Xzilon Appearance Protection packages allow you to maintain the high value of your vehicle for longer. Xzilon offers protection from dents, rips, tears, stains and the everyday elements. Check out the various Xzilon protection packages to see which one is right for you.

What makes Xzilon Different?

• ORIGINALLY DESIGNED FOR THE AVIATION INDUSTRY
• Before it was approved for the automobile industry, Xzilon was put through extreme testing by Boeing Commercial Aviation Services.
• IT’S NOT NOT A WAX - IT’S MOLECULAR ADHESION
• Xzilon will perform to 450 degrees. Waxes emulsify (or break down) with the kind of surface heat that can occur on a sunny day.

Coverage Options:

Xzilon X4TM Exterior Protection	Xzilon+TM Exterior Protection	Xzilon® Exterior Protection
Interior Fabric & Carpet Protection Interior Leather / Vinyl Protection Interior Rip, Tear & Burn Protection Minor Cosmetic Dent Protection Headlight Lens Protection Alloy Wheel Protection Windshield Protection	Interior Fabric & Carpet Protection Interior Leather / Vinyl Protection Interior Rip, Tear & Burn Protection Minor Cosmetic Dent Protection	Interior Fabric & Carpet Protection Interior Leather/Vinyl Protection

Package Details:

INTERIOR PROTECTION

• Protects your vehicle's fabric, leather or vinyl from damage caused by food and beverage stains, fading and discoloration from the sun's ultra-violet rays.

PAINT PROTECTIONINT PROTECTION

• Protection from weather-induced fading, UV exposure, oxidation, hard water etching, bird droppings, tree sap, road salt, road de-icing agents, acid rain, insect damage including love bugs, accidental spray paint overspray and industrial fallout.

COSMETIC ALLOY WHEEL PROTECTION

• Resists cosmetic damage and reduces brake dust buildup. DING & DENT PROTECTION
• Minimizes damage when dents occur.

Features and Benefits:

• Provides repair or replacement of covered area.
• Reduces the amount time needed to maintain the vehicles appearance.
• Zero Deductible

How Appearance Protection Can Affect the Resale Value of your Vehicle:

Condition Adjustment 2012 Models with 36,000 Miles
	TRADE-IN
Vehicle	Avg Condition	Outstanding Condition	Difference
Audi A4	$                 (1,836.00)	$                         897.00	$                 (2,733.00)
Audi A6	$                 (1,721.00)	$                         979.00	$                 (2,700.00)
Audi Q5	$                 (2,407.00)	$                      1,096.00	$                 (3,503.00)
Ford Fusion	$                 (1,204.00)	$                         538.00	$                 (1,742.00)
Ford Mustang	$                 (2,375.00)	$                         869.00	$                 (3,244.00)
Ford Edge	$                 (1,862.00)	$                         857.00	$                 (2,719.00)
Ford F-150	$                 (2,391.00)	$                         941.00	$                 (3,332.00)
Ford Explorer	$                 (2,529.00)	$                      1,164.00	$                 (3,693.00)
Honda Accord	$                 (1,641.00)	$                         655.00	$                 (2,296.00)
Honda Civic	$                 (1,603.00)	$                         716.00	$                 (2,319.00)
Honda Odyssey	$                 (2,445.00)	$                      1,068.00	$                 (3,513.00)
Honda CRV	$                 (2,200.00)	$                         984.00	$                 (3,184.00)
Honda Pilot	$                 (2,348.00)	$                      1,081.00	$                 (3,429.00)
Honda Fit	$                 (1,741.00)	$                         882.00	$                 (2,623.00)
Lexus ES 350	$                 (2,131.00)	$                      1,041.00	$                 (3,172.00)
Lexus RX 350	$                 (2,588.00)	$                      1,179.00	$                 (3,767.00)
Lexus IS 350	$                 (2,312.00)	$                      1,130.00	$                 (3,442.00)
Subaru Forester	$                 (2,195.00)	$                         982.00	$                 (3,177.00)
Subaru Impreza	$                 (1,629.00)	$                         727.00	$                 (2,356.00)
Subaru Legacy	$                 (1,660.00)	$                         662.00	$                 (2,322.00)
Subaru Outback	$                 (2,098.00)	$                         837.00	$                 (2,935.00)
Volkswagen Jetta	$                 (1,748.00)	$                         781.00	$                 (2,529.00)
Volkswagen Passat	$                 (2,053.00)	$                         819.00	$                 (2,872.00)
Volkswagen Tiguan	$                 (2,396.00)	$                      1,072.00	$                 (3,468.00)
Volkswagen Golf	$                 (1,614.00)	$                         721.00	$                 (2,335.00)
Range Rover Sport	$                 (4,252.00)	$                      1,937.00	$                 (6,189.00)
Jaguar XJ Sedan	$                 (5,832.00)	$                      2,585.00	$                 (8,417.00)
EDMUNDS.COM
OUTSTANDING:  Exceptional Exterior & Interior Condition;  Requires NO reconditiong.
CLEAN:  Some normal wear but no major cosmetic problems; may require limited reconditioning.
AVERAGE:  May have a few cosmetic problems and may require a considerable amount of reconditioning.
ROUGH:  Several cosmetic problems requiring significant repairs.
DAMAGED:  Major body damage that may render it in non-safe running condition.

Available For: Cash – Finance – Lease

Coverage Exclusions May Apply: The information above is intended to provide a summary of coverage and benefits. All transactions related to the optional products are governed solely by the provisions of the Agreement. Please refer to the customer agreement for details of terms, conditions, and specific coverage details, including limitations and exclusions.

Vehicle Theft Protection

Theft Protection provides you a theft-deterrent and identification product that helps minimize your losses in the event your vehicle is stolen. If your insurance company follows common industry practices, they will only cover your vehicle’s market value at the time of loss. The coverage offered by your insurance company may leave you responsible for other expenses like your insurance deductible, rental car, taxes, and more.

How this protection can help reduce your cost of ownership:

U.S. Vehicle theft is no longer a crime committed just by teenagers out for a joyride. It is big business run by organized crime rings that are out to make huge profits, and they are doing it at your expense. Below are a few items to consider:

1. A vehicle is stolen every 33 seconds in the U.S. (Source: NIBC)
2. Federal Bureau of Investigation indicate that only 54% of stolen vehicles are ever recovered.
3. In many cases, vehicles that are recovered have significant damage leaving consumers with out of pocket expenses.

Features and Benefits:

• Traceable security codes, as well as visible anti-theft warning decals make your vehicle traceable and less desirable to potential thieves.
• Theft Protection Product: Distinctive theft-warning window decals used to deter theft and vehicle marked with traceable identification codes used to help identify the owner of a recovered vehicle.
• Up to $5,000 benefit if the theft-protection product fails to prevent the theft of the vehicle, and the vehicle is declared a total loss because either the vehicle is not recovered or it is recovered but damaged beyond reasonable repair.
• Coverage for six (5) years.
• The theft-protection product is permanently installed on the covered vehicle.

Available For: Cash – Finance – Lease

Coverage Exclusions May Apply: The information above is intended to provide a summary of coverage and benefits. All transactions related to the optional products are governed solely by the provisions of the Agreement. Please refer to the customer agreement for details of terms, conditions, and specific coverage details, including limitations and exclusions.

PULSE (Patented Rear-End Collision Avoidance System):

Pulse is the rear-end collision avoidance system that pulses your third brake light whenever you press the brake pedal.

How it Works:

• Enhances the functionality of the existing 3rd brake light.
• Causes the 3rd brake light to “pulse” 4 times when you press the brake pedal.
• Alerts the trailing driver the vehicle is stopping or slowing down.

How this protection can help reduce your cost of ownership:

Pulse safer braking technology is the safest distance between two points. With Pulse on board, you’ll have peace of mind knowing you’ve done everything you can to protect yourself and your family from “the Other Guy.” Below are a few items to consider:

1. 90% of rear-end collisions could be avoided if the trailing vehicle had one extra second of warning. (Source: Department of Transportation)
2. DOT and manufacturer studies have demonstrated that Pulse increases the reaction time of the trailing driver by almost 50%.
3. The same DOT and manufacturer studies have also demonstrated that a distracted driver is 69% more likely to notice Pulse.
4. 37% of all accidents are rear end collisions, and 28% of those are deemed to be a “total loss” by an insurance adjustor.
5. 9 out of 10 rear-end collisions could be avoided if the trailing driver had just one extra second of warning. (NHTSA 2010)
6. Impairment associated with cell phone use can be as profound as those associated with drunk driving. (University of Utah 2006)
7. Sending or receiving a text takes a driver's eyes from the road for an average of 4.6 seconds--the equivalent of driving the length of an entire football field blind at 55MPH. (VTTI 2009)
8. More than 50% of people who commute to work text while driving. (AT&T 2013)
9. Distracted driving is the leading cause of motor vehicle accidents, injuries and fatalities. (National Safety Council 2009)
10. The number of deaths from traffic accidents in the U.S. jumped 8.1 percent in the first half of 2015, suggesting smartphones and other driving distractions could be making America’s roadways more dangerous.

Features and Benefits:

• 5-year unlimited mile product replacement warranty for manufacturing defects
• Designed in the USA and each unit is hand-tested twice at the manufacturer before being shipped to the dealer.
• Low cost safety feature to combat distracted driving

PULSE keeping you and your passengers safe.

Available For: Cash – Finance – Lease – Existing Customers

Coverage Exclusions May Apply: The information above is intended to provide a summary of coverage and benefits. All transactions related to the optional products are governed solely by the provisions of the Agreement. Please refer to the customer agreement for details of terms, conditions, and specific coverage details, including limitations and exclusions.