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¹This product is offered independently by NortonLifeLock™. No one can prevent all identity theft. ID Navigator is a complimentary service that provides tools to help you act quickly in the event of suspected identity theft. To enroll, visit www.cardbenefitidprotect.com, and complete the eligibility verification. Once verified, you will be redirected to the offer page on Norton.com where ID Navigator enrollment is available. Enrollment in ID Navigator will require first name, last name, SSN, date of birth, address, phone number, and email address. If you need additional help with your ID Navigator plan, you can reach out to NortonLifeLock at https://www.norton.com/visahelp or 1 (866) 228-2261.

²Each loan you elect to skip-a-payment on is assessed a $15 processing fee which will be deducted from your LAPFCU Share Account. Only loans with six (6) previous on-time payments are eligible. This offer excludes payments on mortgages (first and second trust deeds), business loans, certificate loans, and Visa credit cards. The number of payments on the consumer loan remains the same, and interest will continue to accrue on a daily basis at the Annual Percentage Rate (APR) set forth in the loan agreement, both during and after the deferral period. When payments resume, unpaid interest will be collected first. If you waive a payment, the term of your loan will be extended. All terms and conditions of original loan agreement remain in force. Limit one Skip-A-Pay per loan in a six (6) month period. The request to skip a payment is subject to final approval of LAPFCU. If you previously elected credit life and/or disability insurance, your monthly premium will still be added to the loan on the skipped month; however, coverage will not be extended beyond the original maturity date. Skipping a payment may void your GAP and Mechanical Breakdown Insurance (MBI) during the month you skip and/or during the extended term of your loan(s). Please consult your insurer for complete details. If you have scheduled an automatic recurring payment, you must log into PATROL Online Banking to adjust your scheduled payment date for the month you wish to skip. Otherwise, your payment(s) will still be deducted even though you have indicated on this form that you wish to skip it. If you have scheduled an automatic payment from your account at another financial institution, you will need to change the date or cancel that payment with the other financial institution. If you are unable to make the payment change in time, please contact us so we can reverse the payment and credit your LAPFCU Share Account. If for some reason you do not qualify to skip a payment, you will be notified by LAPFCU. LAPFCU reserves the right to revoke this offer if your account is delinquent, the process fee is not paid, required signatures is/are missing, a skip payment has been processed on this loan within the past 6 months, or upon knowledge of any legal proceedings such as bankruptcy.