eBay Store - Fred Beans Ford Lincoln Merc Mits: Ford Advantage Plan

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Questions and Answers

1. Who is covered under The Ford Payment
Protection Program?
Only the primary purchaser/lessee responsible for the
outstanding financing of the new Ford vehicle is covered
under The Ford Payment Protection Program and is eligible
for Benefits. Co-purchasers and co-lessees are not covered
under this program.

2. What are my Benefits?
The Ford Payment Protection Program will pay, on your behalf,
the monthly payment (purchase: principal + interest / lease:
lease fee + taxes) due on your vehicle financing up to $700
per month for up to 12 months provided you are Involuntarily
Unemployed before January 1, 2010, remain Involuntarily
Unemployed, and continue to submit proof of unemployment
on a monthly basis.

3. When is enrollment effective?
Your enrollment in The Ford Payment Protection Program
becomes effective the day you purchase/lease your new
vehicle. Please note, however, that there is a 30-day
exclusionary period. You must become Involuntarily
Unemployed after this initial 30-day exclusionary period in
order to qualify for Benefits, and then you must be
unemployed for at least 30 consecutive days before you
can request your Benefit.

For example:
• New vehicle purchased/leased on: March 31, 2009
• Program Enrollment Date effective on: March 31, 2009
• 30-Day Exclusionary Period for Eligibility ends: May 1, 2009
• Involuntary Unemployment event must occur between May
1, 2009, and before January 1, 2010
• Involuntary Unemployment occurs May 2, 2009
• 30-Day Unemployment Waiting Period ends: June 1, 2009
In this example, the first day you are able to request a Benefit,
provided you meet all other requirements, is June 1, 2009.

4. What type of Employment is covered?
To qualify for The Ford Payment Protection Program you must
have been working full-time for 90 consecutive days, at least
30 hours per week, before you became Involuntarily
Unemployed. This program does not cover part-time (less
than 30 hours per week), seasonal, self-employment or
persons employed by a family household member.

5. What does it mean to become Involuntarily
Unemployed?
Involuntary Unemployment means that you are terminated
by your employer prior to January 1, 2010, due to individual or
mass layoff, strike, labor dispute or lockout. It does not include
termination of employment due to: retirement, normal
seasonal unemployment, resignation, voluntary forfeiture of
salary, wages or employment income, scheduled termination
of an employment contract, disability (as a result of sickness,
illness, disease, accident, pregnancy, injury or other cause)
and willful or criminal misconduct or incarceration. Also,
excluded is Involuntary Unemployment which occurred, or
for which you received notice of, prior to your enrollment in
The Ford Payment Protection Program (i.e. the date you
purchased/leased your vehicle).

6. How do I request for my Benefits to be activated?
If you become Involuntarily Unemployed prior to January 1,
2010, and believe that you have met all of the necessary
qualifications, call 1-888-262-9809 to request a Benefit Form.
You must complete a Benefit Form and submit all required
documentation within 90 days of the day you became
Involuntarily Unemployed in order to be eligible for Benefits.
An associate will be available to assist you Monday through
Friday, between 8 a.m. and 8 p.m. EST and will provide you
with specific instructions.

7. What documentation do I need to provide in
order to receive Benefits?
Along with a completed and signed Benefit Form, provided by
the customer service representative, you need to submit the
following:

• Proper proof of unemployment: A copy of your State
Determination Letter, Unemployment check stubs,
Unemployment debit card statement(s) or
Registration Card
• A copy of your financing agreement with the
Vehicle Identification Number (VIN)
• A copy of your most recent monthly financing statement
or coupon book (or similar documentation that shows the
finance source information including account number,
payment amount and payment mailing address)

8. Once I submit all of the required documentation,
how long will it take before I know whether my
request for Benefits was approved?
Provided that all the documentation has been submitted, it
generally takes 7-10 business days from the date we receive
your documentation before an approval for Benefits will be
issued. You will be contacted if any additional information is
needed in order to determine whether you have met all
eligibility requirements.

9. How do I know if my request for Benefits has
been approved?
When your Benefits have been approved, you will receive a
letter advising you of your Benefit approval and the amount
paid to your financing source. It is important for you to
continue to make the required payments on your account
until you have received notification that your Benefits have
been approved in order to maintain your account current.

10. When do my Benefits begin?
Once your Benefit is approved, payments are retroactive to
the day you became Involuntarily Unemployed (subject to
verification). Benefit payments will then continue on a monthly
basis, in 30-day increments, provided you continue to
submit the required documentation for each month you
remain Involuntarily Unemployed, up to the program
maximum of 12 months.
For example:
• You purchased/leased the vehicle on June 1, 2009
• Your 30-day exclusionary period for eligibility ends on
July 1, 2009
• You become Involuntarily Unemployed on August 1, 2009
• Your 30-day unemployment waiting period ends on
September 1, 2009
• You call to request a Benefit Form on September 15, 2009
and submit the required documentation by September
30, 2009
In this scenario, a monthly benefit payment(s), retroactive to
August 1, 2009 will be issued. Then, monthly Benefits will be
disbursed provided you continue to submit the required
documentation for each additional month you remain
Involuntarily Unemployed, up to the program maximum of 12
months. If you have questions on how your Benefit payments
will be applied to your financing account, please contact your
finance source directly.

11. Once my Benefit is approved, will my Benefit
be paid on the day that my monthly financing
payment is due?
No. The Benefit is paid once all required documentation has
been received and reviewed, and your Benefit request
has been approved. Because of this process, the Benefit
payment may or may not be issued on the precise day when
your monthly financing payment is due. As such, it is important
that you continue to make your required monthly financing
payments until your Benefit has been approved.

12. What about financing payment amounts that
are above the $700 maximum monthly Benefit?
The Benefit paid is the scheduled monthly purchase/lease
payment established with your financing source when the
finance agreement was originated, up to a maximum $700
per month Benefit. The purchaser/lessee is responsible for
monthly financing payment amounts above the maximum
$700 per month Benefit.

13. Will the Benefits cover any late fees I have
accrued because I was not able to pay my bill
on time?
No. The Benefit only serves to cover your standard vehicle
payment obligation and not any additional fees associated
with your account.

14. How do I continue to receive my Benefits?
In order for your Benefits to remain active, you must submit
proof of continued Involuntary Unemployment (a copy of your
State Determination Letter, Unemployment check stubs,
Unemployment debit card statement(s) or Registration Card
on a monthly basis along with your continuing Benefit Form.

15. If I get a job but find myself Involuntarily
Unemployed again, can I request for my
Benefits to be activated again?
Yes. If you find yourself in a situation where you are again
Involuntarily Unemployed in 2009, you are eligible to request
the remaining available Benefits provided that you:
• Have met the requirement to be a full-time employee for 90
consecutive days, at least 30 hours per week, immediately
before you became Involuntarily Unemployed again in 2009
• Have been unemployed for at least 30 consecutive days
• Have not reached the 12-month maximum Benefit payout
• Meet all other eligibility requirements

16. If I run out of Benefits, can I reapply for Benefits?
No. Once 12 monthly Benefit payments have been disbursed
no additional Benefits are available.

17. If I pay off my loan because I refinanced my
vehicle before January 1, 2010, but become
Involuntarily Unemployed, am I still eligible to
receive Benefits?
Yes, you are still covered as long as you:
• Still have the vehicle originally purchased
• Are still the primary purchaser/lessee responsible
for the vehicle financing
• Have a monthly vehicle payment due with a financing
source for the vehicle originally purchased/leased
• Continue to meet all other eligibility requirements

18. If I sell my vehicle, is the new owner covered
under The Ford Payment Protection Program
as well?
No. The Benefit only covers the original purchaser/lessee of
the vehicle. These Benefits are not transferable.

19. Am I paying for this program?
No. This program is offered to you as a valued customer, free
of charge and compliments of Ford Motor Company.

20. What do I have to do to be enrolled?
Nothing. You are automatically enrolled in The Ford Payment
Protection Program as of the effective date of your new vehicle
purchase/lease.

21. If I don’t use The Ford Payment Protection
Program, can I still get a credit for the unused
amount?
No. The purpose of The Ford Payment Protection Program is
to assist loyal Ford customers during a time of need. The
program has no credit or cash value to the customer outside
the Benefits Approval process.
22. Do I have to pay the Benefit back?
No. These Benefits do not need to be repaid.

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Newly Announced: Ford Advantage Plan