GENERAL QUESTIONS 2

• Are there any prepayment penalties?
• How can I make payments to my Personal Line of Credit?

PERSONAL LINE OF CREDIT 5

• How can I access my Personal Line of Credit?
• How can I view disclosure information about a Personal Line of Credit?
• Is there a monthly or annual fee for a Personal Line of Credit?
• What is a Personal Line of Credit?
• How can I apply for a Personal Line of Credit?

RATES 1

• How can I find Tower's current loan rates?

VEHICLE 15

• After I pay off my vehicle loan with Tower, when will the title be released?
• Does Tower offer major mechanical protection or a service contract?
• How long does it take to process a GAP claim?
• I've made payments to the totaled vehicle loan to avoid late payments and credit reporting. Will those payments be reimbursed?
• I've totaled my vehicle, do I have to keep making payments?

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LOAN PAYMENT PROTECTION AND MEMBER STATEMENTS 3

• What are the two charges listed on my monthly statement as "Loan Pmt Protect Curr Prem" and Loan Pmt Prtect Prem Paid"?
• Why do I have two transactions listed on my monthly statement for Loan Payment Protection coverage on my loan?
• How do I know that I will only be charged once for Loan Payment Protection coverage when I see two entries on my monthly statement?