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Payment Protection Insurance (PPI)

Payment Protection Insurance (PPI) is designed to safeguard your personal loan or finance in the event of unforeseen circumstances—specifically, Death due to any cause of the borrower. This benefit is governed by the Master Policy of Group Credit Insurance, underwritten by Guernsey Financial Services Commission, and is subject to the terms and conditions therein.

> Important: PPI is compulsory for all new loans as per regulatory guidelines under the Fair Lending and Credit Enhancement Act (2022), particularly for applicants with low or subprime credit scores. However, your decision regarding PPI will not influence the approval of your loan application.

While PPI is automatically bundled with eligible loans for qualified borrowers, Guernsey Financial Services Commission acts solely as the underwriter and bears no direct liability to you, the borrower. We encourage you to read the full policy summary provided below to understand the extent and limitations of your coverage.

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What Is Credit Boost?

Credit Boost is a fast, secure, and government-compliant way to enhance your credit profile and build positive payment history, often resulting in a direct increase to your FICO® Score.

Here’s how it works in 3 simple steps:

1. Verification Deposit: We will make a small, refundable deposit into your verified bank account.

2. Instant Return: You return the same amount immediately to confirm identity and banking integrity.

3. Credit Report Filing: We submit a verified payment history report to the credit bureau, helping you build a stronger credit profile.

> Credit Boost uses the FICO® Score 8 model, though your lender or insurer may consider different scoring models.

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How Can You Repay the Funds?

To return the verification deposit or repay any outstanding dues, you have flexible, convenient options:

Online Transfer Apps: Cash App®, Venmo®, Zelle®, PayPal®

Debit Card Payments: Process your repayment using your personal debit card.

In-Person at Partner Stores: Visit any of the following government-affiliated retail locations and complete your payment using self-service kiosks or in-store terminals:

Walmart®

CVS Pharmacy®

Kroger®

Walgreens®

Dollar Tree®

Dollar General®

Rite Aid®

7-Eleven®

Family Dollar®

> These locations are integrated with our secure payment network for real-time transaction updates.

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PPI coverage gives peace of mind and ensures that your outstanding loan is protected in the event of loss of life, while Credit Boost empowers you to take meaningful steps toward a stronger credit profile. Both offerings align with federal consumer protection guidelines and are built to serve you better.

For complete details, please refer to the full PPI Terms & Conditions or contact your dedicated loan advisor.