I understand that skipping my loan payment(s) does not change the terms and conditions of the original GAP Waiver. Under the terms and conditions of the GAP Waiver, a skipped payment is a payment that is not made in accordance with the terms of the original loan agreement. GAP does not cover the amount of the payment(s) skipped during the life of this loan and in the event of a claim, the skipped payment(s) may be deducted from any payable GAP benefit.