DISCLOSURE: By participating in EPIC FCU’s Skip-a-Pay program, you request that EPIC FCU defer your loan payment(s) as indicated. You agree and understand that: 1) loans must have originated 6 months prior to be eligible; 2) All co-signers of the loan must agree to the terms of the Skip-a-Pay and sign the request form; 3) FINANCE CHARGES will continue to accrue at the rate of your original loan agreement; 4) Deferring your payment will extend the term(s) of your loan(s); 5) You will be required to resume your monthly payments the following month. If you elected Gap or Extended Warranty coverage, the coverage will not be extended beyond the original maturity date. All Skip-a-Pay requests are subject to EPIC FCU approval. Your loan(s) must be current for at least 90 days to accept this offer. Requests to skip a payment must be received at least 5 days prior to the due date. Each loan is allowed a maximum of 2 skipped payments each year. There must be 6 months between each skipped payment. The processing fee is $40.00 per loan skipped on a semi-annual basis. Excludes Real Estate Loans, Tuition Loans, Lines of Credit (LOC) and Credit Cards.

PLEASE NOTE: The $40.00 semi-annual fee is for one loan skipped, NOT per payment skipped. For example, loans that are paid monthly will be able to skip one (1) payment; loans due twice a month will be able to skip two (2) payments within the same month; loans due weekly will be able to skip four (4) payment for a total of one full monthly loan payment