------- PROGRAM OVERVIEW

A Membership Program, Not an Insurance Product

Job Loss Lifeline is an individual job-loss income and/or payment protection membership program, powered by Your Payment Guardian. Members enroll directly, and benefits are paid according to program terms and conditions.

Institutions can make the program available to members alongside existing loan products. The parent company was established in 1992, and the benefits program launched in 2001.

Why the distinction matters

Job Loss Lifeline is not insurance and is not underwritten as an insurance product. It is a guaranteed-issue membership program with defined eligibility requirements and a required waiting period. Benefits are subject to program terms and conditions.

------ WHY INSTITUTIONS LOOK AT IT

Three Priorities for Lending Teams

May Help Reduce Default Risk

Job loss can affect a borrower's ability to stay current with payment obligations. Qualifying enrolled members may receive temporary job loss income benefits during an eligible period of unemployment

May Create New Revenue Opportunities

The program gives institutions an additional value-added offering that may create a new revenue opportunity while expanding available member benefits.

Can Strengthen Member Value

Access to job-loss income protection and additional wellness benefits can add value to the member experience during periods of unexpected financial difficulty.

----- FULL OVERVIEW

See the Program in Detail

A complete walkthrough of the program, who it covers, and how institutions use it.

Simple to Introduce. Easy to Manage.

The program can be introduced through communications your institution already uses, without building a complicated new internal initiative.

----- FOR YOUR TEAM

01 Make It Available

Offer Job-Loss Lifeline to your members alongside your existing lending products and to your past and current borrowers

03 Point Members to One Page

Interested members are directed to your institution's dedicated Job Loss Lifeline page.

04 Evaluate the Response

Gauge members' interest and response without micromanaging the program day-to-day.

02 Promote It Where You Already Communicate

A brief statement and a link in a member newsletter, member portal, or other existing communications.

How It Supports Payment Protection

Three stages, from enrollment through benefit payment.

---- HOW IT WORKS

STAGE 01 Make It Available

Offer Job Loss Lifeline to your members alongside your existing lending products and to your past and current borrowers

STAGE 02 Qualifying Job Loss

The member must meet applicable program requirements, including approval for state unemployment benefits

STAGE 03 Benefits Paid

Job Loss income benefits are paid to the member after a required waiting period and according to program terms

Program Essentials

---- HOW IT WORKS

Who Qualifies

Age Range 18 - 64

Employment W2 Full Time

Credit Check Not required

Income Check Not required

Not Eligible

---- Part-Time Workers

---- 1099 Contractors

---- Self-Employed Individuals

---- Temporary or Seasonal Workers

Timing & Claims

Waiting period 180 days

Minimum employment 6 months

State unemployment Approval req.

Program requirements Must be met

---- INCLUDED BENEFITS

More Than Job Loss Income or Payment Protection

Membership includes access to a broader set of financial health and wellness benefits, subject to program terms. These cover the primary member, their married spouse, and dependent children under 18 in the same household. Job-Loss income benefits cover the enrolled individual only.

Job-Loss Income & Payment Protection

Medical Tele-Visits

Therapists & Mental Health Tele-Visits

Legal Services

Identity Theft Protection

Financial Counseling

Debt Management Services

Financial Education Courses

Automation and Integration

The Job Loss Lifeline was specifically designed for ease of use by its partners and their customers. With simple member enrollment introduction through existing communication channels or a complete branded marketing material system. Our dedicated online enrollment portals allow quick and easy enrollment for members that can be completed is just a couple of minutes at their home online or your location. We provide complete tracking, distribution, and administration of the program. Allowing you to add in-demand, valuable benefits your past, current, and future members need access to, taking advantage of the program without requiring invested time by your organization.

04 How does the six-month cap work across multiple job losses?

Members have six months of total coverage, which can be used continuously or split across separate unemployment events — for example, three months during one event, leaving three for a future event.

The program deactivates automatically once the cap is reached. A member who returns to full-time W-2 employment may re-apply, and a new 180-day waiting period applies.

Answers written for institutions evaluating the program.

01 Is Job Loss Lifeline insurance?

No. This is a guaranteed-issue individual job-loss income membership program, not an insurance product. It covers W-2 full-time employees ages 18–64. It does not cover part-time, 1099, self-employed, temporary, or seasonal workers.

---- COMMON QUESTIONS

Frequently Asked Questions

07 How are claims processed and verified?

Members receive enrollment access details within 10 days of signup. Claims are submitted by email and verified against W-2 full-time employment status at enrollment. Approval for state unemployment benefits is required. Claims average a 10-day processing turnaround.

05 How long has the program been available?

The parent company was established in 1992, and this membership program launched in 2001.

03 What does the benefits pay?

$500 per month for up to six months — a maximum of $3,000 per member.

08 How do businesses integrate the program?

Businesses selling products or services through recurring payment contracts can embed the program as an added-value benefit. It functions as customer payment protection, designed to help maintain contracted monthly payments during a qualifying job-loss event, subject to program terms.

02 What is the waiting period before a claim can be filed?

There is a mandatory 180-day waiting period after enrollment before benefits can be claimed. Members must remain continuously employed during this period.

06 What does a membership cost, and who can pay for it?

Memberships are $39.70 per month and run month-to-month. Income protection covers the enrolled individual only, so separate memberships are required for multiple individuals.

Under the Qualifying Guardian provision, a direct family member — spouse, parent, or grandparent — may enroll and pay premiums on behalf of an eligible worker.

Premiums are waived while a member is actively receiving job-loss benefits, and resume upon re-employment. Deactivation requires a written email request with 30 days' notice.

We'll follow up with program information. Your details are used only to respond to this request.

Could Job-Loss Lifeline Fit Your Institution?

Every institution is different. Connect with us to learn how the program works and explore whether it may be a fit for your organization.

> How the program works and who qualifies

> What's included beyond Job-Loss income

> How it fits alongside your lending products for past, current, and future members or customers

Prefer to speak with someone?

Linda Stepp, CPA
Bob Stepp, Program Manager

(813) 334 6442 bob.stepp@yourpaymentguardian.org

Don't Miss this Opportunity to Learn More

Find out how Job Loss Lifeline may fit within your lending and member payment-protection programs — and how simply it can be introduced.

Job Loss Lifeline - Powered by Your Payment Guardian

www.getjoblosslifeline.com