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skip two payments in 2008! You decide when you need your money the most with our Skip-A-Payment program.  For 2008, we're expanding our Skip-A-Payment offer to allow you to skip two payments.  That's two months payment-free on auto loans and personal loans!  Interest will continue to accrue during this time, and other restrictions may apply.  Contact any branch or refer to the application for complete details. you're in the driver's seat Looking for one of the lowest rates areound on a new or "new to you" car? You've come to the right place.  Southeast Financial loans put you in the driver's seat, with the same low rates on used cars as new!   If you don't know how much you have to spend, speak to one of our friendly Loan Representatives.  They can help you figure out how much you can work into your monthly budget.  You won't enjoy your new car if you get over extended with a payment you can't afford.  What are you in the market for?  Check today's ratesfor: • New and Used Autos, Trucks and Vans • Recreational Vehicles and Motor Homes • New and Used Boats • New and Used Motorcycles • New and Used Personal Watercraft • Riding Lawn Mowers Ready to get started?  Apply online now!  Not a member?  That's okay.  Go ahead and apply and we'll show you how you can join when we contact you about your loan.     skip-a-payment...you decide when you need your money the most! Simply select one month between January and December 2008 to skip your payment(s) on any qualifying loan*.  Whether you pay weekly, biweekly or just once a month, your entire month of payments on the selected loan will be skipped, and there's no penalty!  Just follow these easy steps:   Complete the Skip-A-Payment application.  Please note that both the primary member and the co-signer/guarantor (if applicable) MUST sign the form.   Mail the application to Southeast Financial Federal Credit Union, Attn: Skip-A-Payment, P.O. Box 331788, Nashville, TN 37203 or deliver to any branch. Applications must be received a minimum of 15 days prior to the due date of the payment you are requesting to skip. There is a $30 processing fee for each loan payment you choose to skip. Arrange payment of your processing fee by one of these easy methods: Pay in cash at any branch location Add the fee to your outstanding loan balance Pay by check enclosed with your application Transfer the funds from another account How do I know if my loan qualifies for a Skip-A-Payment? You can Skip-A-Payment on your Southeast Financial loans* using this form.  The only requirement is that the loan be in good standing.  If the loan is or has been delinquent or over-the-limit, Southeast Financial reserves the right to deny your Skip-A-Payment request.  If your request is denied, you will be notified in writing. *Mortgage Loan, Home Equity Loan and Line of Credit, Credit Card, The College Network (TCN), Fast Forward and Business Loan payments are excluded from this offer.  Other restrictions may apply. How does skipping a payment affect my finance charges? Interest will continue to accrue on your loan during the waived payment period. Credit Insurance Protection premium charges (if applicable) will continue to accrue.  Your loan maturity date will be extended when your payment is deferred. All terms and conditions remain the same.       enjoy loyalty discounts Take advantage of all that membership has to offer!  With loyalty discounts, you're eligible for a .25% discount off your approved Annual Percentage Rate on any used or new vehicle loan*, anytime, when you have a Southeast Financial checking account with direct deposit and a Southeast Financial MasterCard or VISA.                                                                        *subject to credit approval