The borrower understands that normal payments will resume the month after the skipped payment. Mortgages, lines of credits, and credit cards are not eligible. All other provisions of the original loan advance, except those changed by this agreement, are to remain in full force and effect. I understand that by skipping the payment, I will add approximately one month to the length of my loan contract. All loans must be current prior to skipping a payment and the first loan payment must be made prior to skipping a payment. I also understand that there is a $35 fee for each loan that I select. Fee(s) must be received before payment date(s) will be changed. Skipped payments during the life of your loan may affect GAP insurance payout amounts. UniWyo FCU reserves the right to refuse any skip payment requests.