Terms and Conditions:  By opting for Skip-A-Pay, you request that WSECU defer your loan payments as indicated.  You agree and understand that: 1) FINANCE CHARGES will continue to accrue at the rate provided for in your original loan agreement, during and after that time; 2) deferring your next payment will result in your having to pay higher total FINANCE CHARGES than if you made your payments as originally scheduled; 3) this payment deferral will extend your loans(s) and you will have to make extra payment(s) after your loan(s) would otherwise be paid off; and 4) you will be required to resume your regular monthly payments in the following month.  If you previously elected credit life and/or disability insurance, the insurance coverage will not be extended beyond the original maturity date.  All deferrals subject to WSECU approval.  Your loan(s) must be current (have no amounts past due) at the time you choose to accept this offer. Certain restrictions may apply.