TERMS OF PROTECTION. Who is eligible for protection? This Plan protects one eligible Borrower against Protected Events that occur while you are enrolled in the Plan (“Protection”). Co-signers, guarantors, and non-borrower owners of collateral are not eligible for protection. What types of loans are eligible for protection under the Plan? The following types of loans are eligible for protection if the Plan is made available to you on that loan type: closed-end consumer installment loans if the loan has a term of 120 months or less; consumer lines of credit; and credit cards. What is the Plan Fee and how is it collected? The Plan Fee is the amount you pay for the Protection. It is calculated by applying the rate per $1,000 of your monthly outstanding balance and will be charged and collected monthly. For closed-end loans, if the Protection is purchased at loan closing, the fee becomes part of your required monthly loan payment. For open-end loans, the fee will be added to your outstanding balance as an advance each month which must be paid in full each month. If Protection is added after the start of a closed-end loan, the fee will be added to your outstanding balance each month; in such a case, we may either increase your minimum monthly payment or extend the term of your loan. If you fail to pay the fee, we can cancel the Protection. Can the Plan Fee and terms of this Agreement Change? Yes. We can change the terms of this Agreement, including the rates, at any time. If we do so, you will be provided prior notice and an opportunity to cancel your Agreement under the Plan. Can this Agreement be contested? Yes. If a Protected Event occurs within the first 2 years of this Plan, and if we find that you did not meet the eligibility requirements at the time of your application, your protection under the Plan will be removed, you will receive a refund of fees paid, and an otherwise valid claim will be denied. PROTECTED EVENTS The following describes the types of Protected Events and the protection afforded under each Plan: LOSS OF LIFE (All Plans) What is the Loss of Life benefit? We will cancel the amount of your Outstanding Balance as of the date of death, up to $70,000 DISABILITY (Plans 1 and 2) What does Disability mean and how do I qualify for Disability? Disability means your continuous inability, due to sickness or injury, to perform the substantial and material duties of your regular occupation and you are under the regular care and treatment of a licensed physician or license...
TERMS OF PROTECTION. The term of protection of copyright is the author's life plus fifty years after his death.70 For joint works, the computation of the term of protection starts from the death of "the last surviving author".71 If the author's life is unavailable, the benchmark for computing the term of protection is replaced by an alternative method. Specifically, the term of protection then becomes fifty years from the date of making the work available to the public.72 This alternative method would cease to apply if, under any circumstances, the author's name becomes available during the term of protection.73 The term of protection for photographic works and works of applied arts is twenty five years from the date of making.74
TERMS OF PROTECTION. The term of protection prescribed under the Convention for any of the three fields of related rights is twenty years.95 For performers, this term is computed from the date of either the performance or the incorporation of the performance in a protected phonogram.96 For producers of phonograms, the computation starts from the date of fixation.97 For broadcasts, it starts from the broadcasting date.98 Notably, this term is stated in the Convention as the "minimum duration of protection", which paves the way for increasing this term under the TRIPS.99
TERMS OF PROTECTION. SECTION 2. SALE OR TRANSFER OF FACILITIES OF THE AUTHORITY 169 169 169 169 ARTICLE 51
TERMS OF PROTECTION xv◼ contents ARTICLE 52 170 NOTIFICATION, INFORMATION AND ACCESS 170 SECTION 1. NOTIFICATION OF ENTERING AND LEAVING 170 SECTION 2. ENTERING OR LEAVING MILITARY SERVICE 170 SECTION 3. AUTHORITY TO INFORM EMPLOYEES 170 SECTION 4. AUTHORITY TO REFER NEW EMPLOUYEES TO UNION 170 SECTION 5. NEW EMPLOYEE ORIENTATION 170 SECTION 6. BARGAINING UNIT EMPLOYEE DATA 171 SECTION 7. ACCESS 171 ARTICLE 53 172 PAYROLL DEDUCTIONS 172
