Your Car Payment Is On Us Worried about not being able to make your car payments because of an Involuntary Separation, Emergency Leave or Downsizing? Your worries are over! Now you can buy a Chrysler, Ford, or Harley-Davidson vehicle from Exchange New Car Sales, with peace of mind when you finance through a participating finance source. We’ve designed a plan that automatically takes over vehicle payments for anyone facing an Involuntary Separation/Downsizing during the term of the finance contract. This plan will cover payments up to $500 per month for up to 12 months, or a maximum of $6,000. If you’re granted Emergency Leave, we’ll send you a check equivalent to your monthly car payment, up to $500. The total amount of Emergency Leave claims shall not exceed $1,000.

It Costs You Nothing and You’ll Owe NothingThe Payment Protection Plan costs you nothing! Best of all, even if you use the entire $7,000 in Payment Protection Plan benefits, you’ll never have to pay anyone back. You receive full credit for each payment made, and owe nothing for the amount paid on your behalf.

Payment Protection Plan Q&A

How can I get the Payment Protection Plan?Purchase a new vehicle through Exchange New Car Sales, and finance it through a participating finance source. Qualifying financial institutions include Ford Motor Credit, Harley-Davidson Financial Services and M&T Bank.

How do I qualify for the program?You must be an active member of the U.S. Military, National Guard, Reserve or Civilian component (including DoD contractors) who are authorized to purchase through the Army and Air Force Exchange / Navy Exchange System and be identified on the vehicle loan document. If you’re in the military, you must have received an Involuntary Separation from your branch of service due to a reduction in forces or rejected re-enlistment. If employed as a DoD contractor or civilian, your position must have been eliminated due to downsizing or early termination

of your contract. Your separation/downsizing cannot be due to violation of any military regulation, code, rule of conduct, law, be job performance related, or be due to the timely expiration of your contracted work agreement. Separation/downsizing cannot be due to retirement, and you must not have received any incentive benefit to leave the service or your contractor/civilian employment. In the case of Emergency Leave, you must have official orders granting you leave.

How do I sign up?You are automatically entitled to this protection when you finance your vehicle through a qualified source.

What does the program cost me?Absolutely nothing. The Payment Protection Plan is included with your purchase when you finance your vehicle through a participating institution.

How do I receive payments if I need them?Simply notify us and we’ll mail you a Claims Kit. The kit contains instructions and the appropriate forms for you to complete and return to us to initiate your payments.

When do I start receiving payments?Your initial payment will be made on the first payment date following thirty days after your Involuntary Separation or downsizing. You must then send us, on a monthly basis, an affidavit certifying that you are still unemployed. Emergency Leave payment will be forwarded to you as soon as a copy of your orders is received.

Who receives the payments?In the case of Involuntary Separation or downsizing, each car payment will be mailed in the form of a check made payable to your finance institution. If you are claiming benefits under Emergency Leave orders, a check will be made out and mailed to you directly.

Do I have to pay back the money paid out to me?No, as long as you comply fully with the terms and conditions of the program.

Exchange New Car Sales Payment Protection Plan

All programs and guarantees are subject to terms and conditions. Visit www.encs.com or see your Sales Representative for complete details. Chrysler Group LLC and Ford are authorized contractors of the Exchange and NEXCOM. Exchange New Car Sales is an authorized distributor to sell and distribute Chrysler, Ford and Harley-Davidson vehicles. This advertisement does not express or imply endorsement by the Exchange, NEXCOM, the DoD components, or the Federal Government and is not sponsored by them. (P202_Q & A)

Authorized Independent Distributor To The U.S. Armed Forces For Chrysler Group LLC , Ford and Harley-Davidsonencs.com

My spouse and I both work. Do we qualify if only one of us is separated or downsized?Yes. If you are both named on the finance contract, you qualify for an equal share of the Payment Protection Plan benefits.

Can I be protected on more than one vehicle?Yes, you are protected on each vehicle financed through a qualified source purchased through Exchange New Car Sales.

Can I get my financing anywhere and still qualify?No. You must finance your vehicle through one of the participating finance institutions named above to be eligible for the Payment Protection Plan. However, financing an automobile purchase is your responsibility, so you should shop around for the rates and terms that meet your needs.

Is the Payment Protection Plan transferable if I sell my vehicle?No. Payment ends if you sell or refinance during the coverage period.

The program stipulates “Involuntary Separation/ Downsizing” as a condition. What does that mean?An Involuntary Separation is when your military employment is terminated without cause, when your re-enlistment is not accepted, and when your separation is not accompanied by a financial separation incentive. Downsizing is when your employment is terminated without cause, and when your termination is not accompanied by a financial separation incentive.

Do I have to pay tax on this benefit?The payments under this program may have income tax consequences for you. You should consult your tax advisor.

What happens when I go back to work?You must notify us within 24 hours and in writing to be received within 5 days. Details and approved forms are included in your Claims Kit.

For a complete description of this program, please see any Exchange New Car Sales representative. This is a limited time offer and may be withdrawn at any time.

IWSG is the Program Administrator for this plan. For questions regarding coverage or claim filing procedures, contact:IWSG P.O. Box 407Woodbury, NY 11797Phone: 800-323-4291 (USA) or 516-921-2800 Fax: 516-677-3704 E-mail: EPP@militarycars.com