Protect Your Bubble Protection Plan

Transcription

1 Protect Your Bubble Protection Plan Sample Terms & Conditions This Protection Plan is not a contract of insurance. Unless otherwise regulated under state law, the contents under this Protection Plan should be interpreted and understood within the meaning of a service contract in Public Law # Definitions Accidental Damage: A sudden, unexpected and unintentional external event that results in physical damage to the Device, including spilled liquids, immersion in liquid, drops and cracked screens. The damage is not foreseeable and is beyond Your control. Administrator: The Administrator for phone and tablet Devices is The Signal, [676 East Swedesford Road, Suite 300, Wayne, PA, 19087]. The Administrator for a other Devices is United Service Protection Inc. in Florida, Assurant Service Protection, Inc. in Oklahoma, and Federal Warranty Service Corporation in all other states, [P.O. Box , Atlanta, GA , ]. Authorized Service Facility: The location that serves as a replacement and/or repair facility for the program that supplies replacements for and/or undertake repairs of the Device. Selection of the Authorized Service Facility will be at Our sole discretion. Device: The Device(s) covered under this Protection Plan, which is identified on the Schedule Page. Device Age Out: Coverage for a specific Device will cease once the Device reaches a specific age from its retail purchase date as specified on the Schedu Page. Registered Family Member: A named person related to the Accountholder who lives at the same residence with the Accountholder. Maximum Replacement Value: The highest amount that can be paid on an approved claim as specified on the Schedule Page Mechanical and/or Electrical Failure: Failure of a Device due to normal wear and tear when operated according to the manufacturer s instructions. Proof of Purchase: Proof of Purchase means documentation, information or technology that identifies the Device purchase date, purchaser, make, model, Devic Identifier and price of the Device. Review Period: The Seller and Obligor have fourteen (14) days from the date of Device registration to approve or deny an Accountholders application for coverag for any Devices and/or Protection Plans. Seller: The party that sold You the Protection Plan identified on the Schedule Page. You, Your and Accountholder: The owner of the Device who purchased this Protection Plan. We, Us, and Our: The Obligor of this Protection Plan identified on the Schedule Page. Protection Plan Overview This Protection Plan covers Devices registered with Protect Your Bubble and listed on the current Schedule Page of Your Protection Plan. Your Device must be registered with Protect Your Bubble to be covered under the Protection Plan. To add a new Device to Your Protection Plan, visit the My Account page on [ to register the new Device. The monthly price of Your Protection Plan is based on the number of Devices registered and the type of Devices registered. You can add or cancel Devices in Your Protection Plan at any time. Coverage Term The Protection Plan Coverage Term is listed on the Schedule Page. Your coverage for each Device registered under the Protection Plan begins after the Review Period, and coverage for each Device will be continue until Device Age Out date specified on Your Schedule Page. The Device Age Out is the age at which the Device is no longer eligible for coverage under the Protection Plan. When Device Age Out occurs for a specific Device, the Monthly Fees for Your Protection Plan will be adjusted to account for this change in covered Devices. Protection Plan Monthly Fees The Protection Plan must be paid on a monthly basis or as indicated on the Schedule Page. Monthly Pay Plans provide coverage under this Protection Plan for one (1) month periods and renew automatically monthly based on Your payment of the monthly fee; however, We are not obligated to renew this Protection Plan. If the monthly fee is not paid, the coverage will be suspended at the end of the most recent paid month and terminated if the payment has not been reconciled prior to Your next scheduled monthly fee due date. If a claim is filed while Your Protection Plan is in suspended status, You must bring Your account current before a claim will be approved. Coverage This Protection Plan covers parts and labor costs and/or materials and repairs necessary to return Your Device to normal working condition, due to damage resulting from: Mechanical and/or Electrical Failure that occurs after the manufacturer s warranty Accidental Damage if included on Your Schedule Page for each Registered and Covered Device FW Page 1 of 8

2 Surge Protection damage to Your Device from a power surge or lightning strike, as determined by Us Accessory Coverage for mobile phones and tablets if they are included in the original package with the Device and incur damage at the same time as the Device No Lemon Guarantee if a fourth (4 th ) repair claim is made by You on Your Device under this Protection Plan within any twelve (12) month period, as determined by Us; We will issue a replacement Device. Food Spoilage reimbursement for food losses resulting from a no-cool covered failure of Your registered refrigerator or freezer up to [$250] per appliance over the term of this Protection Plan; proof of loss may be required Incidents beyond the scope of the terms and conditions for this Protection Plan are captured below in the section entitled Exclusions How to Make a Claim You must report claims within thirty (30) days of the date the covered damage occurred. Only Accountholders and Registered Family Members can file a claim under the Protection Plan. To file a claim: 1. Visit [ and log into My Account for guidance and assistance for the claims process. 2. Call the toll free number [ ]. A service representative will assist You by telephone to diagnose the covered Device s issue, record Your claim; and if approved, arrange for the applicable repair or replacement of the Device. 3. If You have not already provided the Proof of Purchase to Us, You may be required to provide this documentation at the time of claim. Proof of Purchase means documentation, information or technology that identifies the purchase date, purchaser, make, model, Device identifier and purchase price of the Device. 4. You may be required to provide a signed, sworn proof of loss which sets forth, to the best of Your knowledge and belief the date, time and cause of loss and the specifications of the reported loss to the covered Device. The proof of loss must be submitted within thirty (30) days of the request, or Your claim may be closed. You may also be required to submit to an examination under oath as well as an examination of the covered Device either by Us or Our Authorized Representative, if requested. You must cooperate with Us in the investigation or settlement of the claim. 5. You must reduce the loss by using all reasonable means to protect the covered Device from further damage. 6. You must satisfy the Deductible, if applicable, before a claim will be authorized. Deductible If Your Protection Plan has a deductible, as specified on the Schedule Page, You will be responsible for paying the deductible before Your claim will be approved. The deductible is due for each Device per occurrence where We approve the claim and must be paid before service is provided. After Your Claim is Approved Once Your covered claim is approved, We will, at Our option, repair or replace the covered Device within a maximum of thirty (30) days after the claim s approval. For repairs, repairs to a damaged covered Device will be performed at an Authorized Service Facility determined by Us. Repairs will normally be available and rendered during the regular business hours of the Authorized Service Facility. Selection of the Authorized Service Facility will be at Our sole discretion. For larger electronics and appliances (ex. TVs over 36 inches), We will schedule an appointment with a local repair technician for in-home service, and We will pay the technician directly. If shipping to an Authorized Service Facility is required for Your Device (ex. laptop repair), We will provide shipping arrangements and charges to Our repair facility and ship Your repaired Device back to You at no cost. For replacement, We may, at Our option, either: a. Replace the covered Device with a new, refurbished, or recertified device of like kind and quality if We are unable to repair the damaged Device or the repair cost exceeds the current retail replacement value of the Device. While We will try to accommodate specific replacement preferences such as equipment color, cosmetics, or features, this is not guaranteed. The price of the replacement device will not exceed the Maximum Replacement Value of the original covered Device, less any applicable deductible. b. Provide a settlement equal to the current retail replacement value of the Device, not to exceed the Maximum Replacement Value of the original covered Device, less any applicable deductible. If We provide a settlement, We will mail the settlement to You. c. Provide a settlement equal to the cost of repair in an Authorized Service Facility, not to exceed the Maximum Replacement Value of the original covered Device, less any applicable deductible. If We provide a settlement, We will mail the settlement to You. FW Page 2 of 8

3 Damaged Device Return Upon Our delivery of a replacement device to You, all ownership rights of the original damaged Device transfer to Us, and We will retain all ownership and salvage rights in the damaged Device. After Our delivery of a replacement device, You are responsible for returning the original damaged Device to Us pursuant to Our ownership and salvage rights, and We will provide postage and packaging to return the original damaged Device to Us. You have 30 days to return the original covered Device to Us or You will be charged a fee up to the value of the replacement device. We have the right to apply this charge directly to Your account. Upon receipt, We will inspect the Device and validate that the correct Device has been returned, We will also inspect the Device and validate that the reported hardware failure is covered under this Protection Plan. Should We determine that the failure resulted from an Exclusion in this Protection Plan, We will contact You and arrange to either: a. Return the Device to You after You return the replacement device or settlement to Us. The returned replacement device must be in the same condition and packaging in which it was sent to You; b. Charge You the difference between the current retail replacement value of the Device; or c. Charge You the cost of repair in an Authorized Service Facility. No additional claims will be approved under this Protection Plan for any Device covered if a damaged Device from a previous claim is not returned or if the subsequent fees are not collected by Us from You for unreturned Devices. Limit of Liability The maximum number of paid claims per Device covered by this Protection Plan is listed on the Schedule Page. We will not be liable for any incidental or consequential damages including, but not limited to, property damage, interruption of business, lost income, lost time, lost data, loss of network services and related service fees, or increase in loss or other inconvenience, resulting from the failure of any Device or from delays in service or inability to render service. Exclusions What Is Not Covered Your Protection Plan does not cover: 1. Cosmetic damage that does not affect functionality of the Device, as determined by Us; 2. Pre-existing conditions; 3. Depreciation or obsolescence; 4. Rust, corrosion, mold, or dust, sand, dirt or damage from exposure to environmental conditions, insect infestation; 5. Mechanical or Electrical Breakdown that occurs during the manufacturer s warranty or breach of express or implied warranties of merchantability or fitness for a particular purpose from the manufacturer; failure to follow manufacturer s maintenance recommendations; loss to items subject to manufacturer s recall; error or omission in design or system configuration, faulty construction or any original defect in the covered Device; 6. Service, maintenance, repair, or replacement necessitated by any loss or damage resulting from any cause other than normal usage in accordance with manufacturer specifications such as, but not limited to, intentional damage caused by You or anyone entrusted with the Device; intentional and/or dishonest acts by You, or anyone else with an interest in the Device, or anyone entrusted with the Device; voluntary parting with the Device by You or anyone entrusted with the Device if induced to do so by any fraudulent scheme, trick, false pretense; 7. Misuse, abuse, neglect, or services (or damages caused) by non-authorized repair personnel; 8. Illegal trade or confiscation by any governmental authority; 9. War, including: undeclared or civil war; insurrection, rebellion, revolution; warlike act of a military force, including action in hindering or defending against an actual or expected attack, by government, sovereign or other authority using military personnel or other agents; terrorism; discharge of a nuclear weapon even if accidental; nuclear hazard, reaction or radiation, or radioactive contamination, however caused; 10. Acts of God; 11. Theft and mysterious disappearance; 12. Cabinets and associated non-operating components of Your Device as determined by Us such as, but not limited to, protective glass, frame, filters, antenna, batteries whether or not they are replaceable by You; external components or accessories such as 3D glasses, television remote controls, cables, and power cords; 13. Any expansion of the channel or frequency range capabilities of Your Device, cable television adjustments, hookups, or audio-video system installation; preventative maintenance; loss or corruption of data, damage due to computer viruses, and/or the restoration of software and operating systems to Your Device; radio frequency interference due to improper installation or close proximity to other electronic equipment; and 14. Initial installation or hookup of Your Device; removal and reinstallation, except as determined by Us. Transferability This Protection Plan is not transferable. FW Page 3 of 8

4 Cancellation Your Protection Plan may be canceled under the following conditions: Cancellation by You: You may cancel this Protection Plan by logging into My Account at [ selecting Your Protection Plan, and following the online cancellation process. You may also cancel by delivering to the Administrator written notice of cancellation. Cancellation notifications should be ed to stating Your name, address, and Protection Plan Number as identified on Your Schedule Page and expressly state Your desire to cancel this Protection Plan. If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations) and no claims have been filed, We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund all premium to You. If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations) and have received a paid claim against this Protection Plan, no refund will be due to You. If You notify Us after the first thirty (30) days from the Coverage Start Date, any refund will be calculated on the pro-rata unearned premium.. Any applicable refund will be refunded to You. Cancellation by Us: We may cancel this Protection Plan by ing or delivering written notice, stating the reason for cancellation, to Your mailing address or address last known to Us, including the effective date of cancellation, which will be: Immediately for application denial during the Review Period for fraudulent activities including, but not limited to, unauthorized use of a credit card, obtaining a Protection Plan or coverage under false pretense, participation in organizations with the intent to educate others on how to commit fraudulent activities, or association with other customers committing fraud At least 15 days before the effective date of cancellation if We cancel for nonpayment of premium At least 30 days before the effective date of cancellation if We cancel for any other reason If cancelled by Us, any refund will be calculated on the pro-rata unearned premium. We will pay any applicable refund to You. If this Protection Plan has been in effect for more than 60 days, We may cancel only for one or more of the following reasons: Nonpayment of premium by You, if this Protection Plan was obtained by misrepresentation or fraud, any act which measurably increases the risk originally accepted by Us, or for violation of any terms and conditions of this Protection Plan by You; or termination of this program by Us. Arbitration Provision Read the following arbitration provision carefully. It limits certain rights, including Your right to obtain relief or damages through court action. To begin Arbitration, either You or We must make a written demand to the other party for arbitration. The Arbitration will take place before a single arbitrator. It will be administered in keeping with the Expedited Procedures of the Commercial Arbitration Rules ("Rules") of the American Arbitration Association ("AAA") in effect when the claim is filed. You may get a copy of these AAA's Rules by contacting AAA at 1633 Broadway, 10th Floor, New York, NY 10019, calling (800) or visiting The filing fees to begin and carry out arbitration will be shared equally between You and Us. This does not prohibit the arbitrator from giving the winning party their fees and expenses of the arbitration. Unless You and We agree, the arbitration will take place in the county and state where You live. The Federal Arbitration Act, 9 U.S.C. 1, et seq., will govern and no state, local or other arbitration law will apply. YOU AGREE AND UNDERSTAND THAT this arbitration provision means that You give up Your right to go to court on any claim covered by this provision. You also agree that any arbitration proceeding will only consider Your Claims. Claims by, or on behalf of, other individuals will not be arbitrated in any proceeding that is considering Your Claims. Please refer to the State Disclosures section of this Contract for any added requirements in Your state. In the event this Arbitration provision is not approved by the appropriate state regulatory agency, and/or is stricken, severed, or otherwise deemed unenforceable by a court of competent jurisdiction, You and We specifically agree to waive and forever give up the right to a trial by jury. Instead, in the event any litigation arises between You and Us, any such lawsuit will be tried before a judge, and a jury will not be impaneled or struck. Privacy Policy [To view Our privacy policy, please visit]: [ FW Page 4 of 8

5 State Disclosures The following state specific requirements are added to and become part of your Protection Plan and supersede any other provisions to the contrary: AL, AR, CT, GA, IL, KY, MA, ME, MT, NC, NH, NJ, NV, NY, OK, OR, SC, UT, VA, WY, only: the following provision is added: Special Provision: If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to American Bankers Insurance Company of Florida who insures Our obligations under this Protection Plan, at the following address [11222 Quail Roost Drive, Miami, FL 33157], or call the Toll Free number at [ ]. AL, AR HI, MA, MD, ME, MN, MO, NJ, SC, TX, WY only: The following is added to Cancellation by You under the Cancellation provision: We will pay a penalty of 10% per month on a refund that is not paid or credited within forty-five (45) days after cancellation of the Protection Plan whether cancelled by You or by Us. This provision applies only to the original purchaser of the Protection Plan, and is not transferable. Arkansas only: the following is added to Cancellation by Us under the Cancellation provision: The refund shall accompany the notice unless cancellation is for non-payment. AZ, GA only: The second paragraph of Cancellation by You under the Cancellation provision is revised to read as follows: If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations), We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund all premium to You. If You notify Us after the first thirty (30) days from the Coverage Start Date, any refund will be calculated on the pro-rata unearned premium. Any applicable refund will be refunded to You. No claim incurred or paid shall be deducted from any cancellation refund regardless of who initiates the cancellation of the Protection Plan. Arizona only: the following language is added to the Arbitration Provision: Arbitration cannot be an absolute dispute remedy and both parties must agree to arbitration. This Arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints under the provisions of A.R.S , Unfair Trade Practices as outlined by the Arizona Department of Insurance. To learn more about this process, you may contact the Arizona Department of Insurance at 2910 N. 44 th Street, 2 nd Fl., Phoenix, AZ , Attn: Consumer Affairs. You may directly file any complaint with the A.D.O.I. against a Service Company issuing an approved Service Contract under the provisions of A.R.S and/or by contacting the Consumer Affairs Division of the A.D.O.I., toll free phone number The following language is added to the Cancellation provision: We will not cancel or void this Protection Plan due to prior use or unlawful acts relating to the device or misrepresentation by Us or Our Administrator. Pre-existing conditions has been deleted from the Exclusions provision. CA, CT only: The following is added to the Cancellation provision: You may cancel this Protection Plan if You return the Device(s), or if the Devise is sold, lost, stolen, or destroyed. CA, NC, TX only: The second paragraph of Cancellation by You under the Cancellation provision is revised as follows: If You notify Us within the first thirty (30) days of receipt of the Protection Plan (or Registration Date for new registrations) We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund all premium to You. If You notify Us after the first thirty (30) days of receipt of the Protection Plan, any refund will be calculated on the pro-rata unearned premium. Any applicable refund will be refunded to You. California only: The following language is added to Protection Plan Obligor on the Schedule Page: The Obligor is the entity financially and legally obligated to perform the service specified in the Protection Plan. The following language is added to the Arbitration Provision: This Arbitration Provision does not prohibit a California resident from following the process to resolve complaints as outlined by the California Bureau of Electronic and Appliance Repair (BEAR). To learn more about this process, You may contact BEAR at , or You may write to Department of Consumer Affairs, 4244 S. Market Court, Suite D, Sacramento, CA 95834, or You may visit their website at Colorado only: The following language is added: Regulation: Actions under this Protection Plan may be covered by the provisions of the Colorado Consumer Protection Act or Unfair Practices Act, articles 1 and 2 of Title 6, C.R.S. A party to such a contract may have a right of civil action under such laws, including obtaining the recourse or penalties specified in such laws. Special Provision: The obligations under this Protection Plan are insured under a policy of insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157]. In the event any covered service is not completed within sixty (60) days after proof of loss has been filed, You may apply directly to American Bankers Insurance Company of Florida. The following language is added to the For Repairs provision under the After Your Claim Is Approved section: Materials furnished as replacements for parts will be drawn from Our inventory of new, rebuilt or non-original Manufacturer s parts and components. The second paragraph of Cancellation by You under the Cancellation provision is revised to read as follows: If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations) and no claims have been filed, We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund all premium to You. If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations) and have received a paid claim against this Protection Plan, any refund will be calculated on the pro-rata unearned premium, minus any claims paid. If You notify Us after the first thirty (30) days from the Coverage Start Date, any refund will be calculated on the pro-rata unearned premium. Any applicable refund will be refunded to You. If You cancel within the first thirty (30) days, We will pay a penalty of 10% per month on a refund that is not paid or credited within forty-five (45) days after the return of the Protection Plan to Us. This provision applies only to the original purchaser of the Protection Plan and is not transferable. Connecticut only: The Terms and Conditions and Arbitration Provision of this Protection Plan are amended to include the following language: RESOLUTION OF DISPUTES: If We are unable to resolve any disputes with You regarding this Protection Plan, You may file a written complaint with the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT , Attn: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase price of the item subject to the Protection Plan, the cost of repair of the item, and a copy of the Protection Plan Terms and Conditions. Time Extension: If Your term of coverage is less than one year, Your Protection Plan will be automatically extended by the duration that the product is withheld from You while being repaired. Florida only: The following is added to the Arbitration Provision: While arbitration is mandatory, the outcome of any arbitration shall be non-binding on the parties, and either party shall, following arbitration, have the right to reject the arbitration award and bring suit in court of competent jurisdiction. The arbitration action will take place in the country where You reside. The second paragraph of Cancellation by You under the Cancellation provision is revised as follows: If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations), We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund FW Page 5 of 8

6 all premium to You. If You notify Us after the first thirty (30) days from the Coverage Start Date, You shall receive a refund not less than ninety percent (90%) of the unearned pro rata Protection Plan Purchase Price. Any applicable refund will be refunded to You. The last paragraph of Cancellation by Us under the Cancellation provision is revised to read as follows: If cancelled by Us, You shall receive a refund equal to one hundred (100%) of the unearned pro rata premium. We will pay any applicable refund to You. If this Protection Plan has been in effect for more than 60 days, We may cancel only for one or more of the following reasons: Nonpayment of premium by You, if this Protection Plan was obtained by misrepresentation or fraud, any act which measurably increases the risk originally accepted by Us, or for violation of any terms and conditions of this Protection Plan by You; or termination of this program by Us. The following language is hereby added to the Protection Plan: The rate charged for the Protection Plan is not subject to regulation by the Florida Office of Insurance Regulation. GA, LA, NV, OR, UT, WI, WY only: The Arbitration Provision of Your Protection Plan is deleted in its entirety. It is not applicable to You. Georgia only: Item two (2) of the Exclusions provision is revised to read as follows: 2. Pre-existing condition known by you; The last paragraph of the Cancellation provision is revised to read as follows: If cancelled by Us, any refund will be calculated on the pro-rata unearned premium. We will pay any applicable refund to You. We may cancel only for one or more of the following reasons: Nonpayment of premium by You, or if this Protection Plan was obtained by misrepresentation or fraud. The following language is added to the Cancellation provision: Cancellation by the Plan Obligor or the Plan Administrator shall be in accordance with Section of the Code of Georgia. HI, OK, WI only: Obligations under the Protection Plan are insured by a policy of insurance issued by American Bankers insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157, (800) ]. Indiana only: The following provision is hereby added: Special Provision: Proof of payment to the retailer that sold You this Protection Plan constitutes proof of payment to American Bankers Insurance Company of Florida, issuer of the insurance policy that insures Our obligations. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to American Bankers Insurance Company of Florida who insures Our obligations under this Protection Plan, at the following address [11222 Quail Roost Drive, Miami, FL 33157], or call the Toll Free number at [ ]. ME, MN, MO, UT Only: The following revision is made under the Exclusions What is Not covered provision: Item two (2) is revised and now reads as follows: 2. Pre-existing conditions such as cracked screens, water damage, accidental damage, or mechanical breakdown; Maine only: The second paragraph of Cancellation by You under the Cancellation provision is revised as follows: If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations) We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund all premium to You including any sales tax refund required pursuant to state law. If You notify Us after the first thirty (30) days from the Coverage Start Date, any refund will be calculated on the pro-rata unearned. Any applicable refund will be refunded to You. Michigan only: The following provision is added: Special Provision: If performance of the Protection Plan is interrupted because of a strike or work stoppage at the company s place of business, the effective period of the Protection Plan shall be extended for the period of the strike or work stoppage. Minnesota only: The following is added to the Arbitration Provision: Any Arbitration shall take place in the state where You reside or at any other place agreed to in writing by You and Federal Warranty Service Corporation. The following provision is hereby added: Special Provision: Obligations of the provider under this Protection Plan are insured under a service contract reimbursement insurance policy, issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL, 33157]. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, the claim can be submitted to American Bankers Insurance Company of Florida, who insures Our obligations under this Protection Plan, at the following address: [11222 Quail Roost Drive, Miami, FL 33157], or call the Toll Free number at [ ]. Missouri only: The following provision is hereby added: Special Provision: The obligations under this Protection Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157]. In the event any covered service is not paid within sixty (60) days after proof of loss has been filed, including a claim for the refund of the unearned purchase price, or the Administrator ceases to do business or goes bankrupt, You may apply directly to American Bankers Insurance Company of Florida. Montana only: The following provision is hereby added: Special Provision: If a claim for service has not been completed after proof of loss has been filed with Us, the claim can be submitted to American Bankers Insurance Company of Florida who insured Our obligations under this Protection Plan, at the following address [11222 Quail Roost Drive, Miami, FL 33157], or call the Toll Free number at [ ]. NC, NM, NV, TX only: The following disclosure is added to the Schedule Page: Purchase of this Protection Plan is not required in order to purchase or obtain financing for the covered Device. NH, NM: Any and all loss or damage that occurs prior to the effective date of this Protection Plan will not be covered. New Hampshire only: Notice: If You do not receive satisfaction under this Plan, You may contact the New Hampshire Insurance Department at [21 South Fruit Street, Suite 14, Concord NH 03301, (800) ]. New Jersey only: The following is added to For repairs under the After Your Claim is Approved provision: Replacement parts may consist of non-original manufacturer s parts. The first bullet under Cancellation by Us under the Cancellation provision is deleted and replaced as follows: At least 5 days before the effective date of cancellation if We cancel for application denial during the Review Period for fraudulent activities including, but not limited to, unauthorized use of a credit card, obtaining a Protection Plan or coverage under false pretense, participation in organizations with the intent to educate others on how to commit fraudulent activities, or association with other customers committing fraud. FW Page 6 of 8

7 New Mexico only: The following language is added to Cancellation by You section under the Cancellation provision: We shall refund You or credit Your account the Protection Plan Purchase Price within sixty (60) days after the Protection Plan is cancelled. We will pay a penalty of 10% per month on a refund that is not paid or credited for each thirty (30) day period or portion thereof that the refund and any accrued penalties remain unpaid. This applies only to the original purchaser of the Protection Plan, and is not transferable. The last paragraph under Cancellation by Us under the Cancellation provision is revised to read as follows: If cancelled by Us, any refund will be calculated on the pro-rata unearned premium. We will pay any applicable refund to You. We may not cancel this Protection Plan once it has been in effect for at least seventy (70) days except for the following conditions: failure to pay the Protection Plan Purchase Price; the conviction of You of a crime which results in an increase in the service required under the Protection Plan; fraud or material misrepresentation by You in purchasing the Protection Plan or obtaining service; or the discovery of an act or omission, or a violation of any condition of the Protection Plan by You which substantially and materially increases the service required under the Protection Plan. NY, WA only: The following is added to Cancellation by You under the Cancellation provision: We will pay a penalty of 10% per month on a refund that is not paid or credited within thirty (30) days after return of the Protection Plan to Us. This provision applies only to the original purchaser of the Protection Plan and is not transferable. Ohio only: The following provision is added: Special Provision: The obligations under this Protection Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157, ]. If We fail to perform or make payment due under the terms of the Protection Plan within sixty (60) days after You request performance or payment, You may apply directly to American Bankers Insurance Company of Florida, including, but not limited to, any obligation in the Protection Plan in which We must refund You upon cancellation of the Protection Plan. Oklahoma only: The following language is added to the beginning of the Arbitration Provision: NON-BINDING ARBITRATION: Read The following Arbitration Provision ("Provision") Carefully. It Limits Certain Of Your Rights, Including Your Right To Obtain Relief or Damages Through Court Action Prior to Engaging in Non-Binding Arbitration. Disputes under this Protection Plan shall be subject to mandatory, non-binding arbitration. The following language is added: Regulation: Coverage afforded under this Protection Plan is not guaranteed by the Oklahoma Insurance Guaranty Association. The second paragraph under Cancellation by You of the Cancellation provision has been deleted and now reads as follows: In the event the Protection Plan is cancelled by You within the first thirty (30) days, We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund all premium to You. If You cancel the Protection Plan after thirty (30) days, the refund will be one hundred percent (100%) of the unearned pro rata premium. Any applicable refund will be refunded to You. In the Cancellation by Us section of the Cancellation provision, reference to pro-rata is replaced by one hundred percent (100%) of the unearned pro rata premium. The following language is added to Protection Plan Obligor on the Schedule Page: The Oklahoma license number for the Obligor is South Carolina only: Notice: If the Administrator does not timely resolve such matters within sixty (60) days of proof of loss, you may contact the South Carolina Department of Insurance, Post Office Box , Columbia, SC , or (800) Texas only: Notice: If You have complaints or questions regarding this Protection Plan, you may contact the Texas Department of Licensing and Regulation at the following address and telephone number: Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; (512) or (800) (within TX only). The following provision is added: Special Provision: The obligations under this Protection Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157]. In the event any covered service is not provided to the Accountholder by the Administrator before the 61 st day after the proof of loss has been filed, or if a refund or credit is not paid before the 46th day after the date on which the Protection Plan is cancelled; you may apply directly to American Bankers Insurance Company of Florida. Under the Definitions, the following language is added to Administrator: The Administrator Registration Number for the Signal is 145, the Administrator Registration Number for Federal Warranty Service Corporation is 269. UT and WI only: Item four (4) of the How to Make a Claim provision is revised to read as follows: 4. You may be required to provide a signed, sworn proof of loss which sets forth, to the best of Your knowledge and belief the date, time and cause of loss and the specifications of the reported loss to the covered Device. The proof of loss must be submitted within thirty (30) days of the request or as soon as reasonably possible. Failure to furnish proof of loss within the time required does not invalidate or reduce a claim, unless We are prejudiced thereby, and it was reasonably possible to meet the time limit. You may also be required to submit to an examination under oath as well as an examination of the covered Device either by Us or Our Authorized Representative, if requested. You must cooperate with Us in the investigation or settlement of the claim. Utah only: The following language is added: Regulation: Coverage afforded under this Protection Plan is not guaranteed by the Utah Property and Casualty Guaranty Association. This Protection Plan is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. The following revision is made under the Exclusions What is Not covered provision: Item 15 is added and reads as follows: 15. The use of parts or supplies other than those recommended by the manufacturer. The last paragraph of the Cancellation provision is revised to read as follows: If cancelled by Us, any refund will be calculated on the pro-rata unearned premium. We will pay any applicable refund to You. If this Protection Plan has been in effect for more than 60 days, We may cancel only for one or more of the following reasons: Nonpayment of premium by You; if this Protection Plan was obtained by material misrepresentation or fraud; any act which measurably increases the risk originally accepted by Us, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Plan; or for substantial breach of contractual duties, conditions, or warranties. Washington only: The following definitions are added: Service Contract Provider/We/Us/Our means Federal Warranty Service Corp. [P.O. Box , Atlanta, GA , ], who is contractually obligated to the Service Contract Holder under the terms of the Plan. All references to Obligor are replaced by the term Service Contract Provider. Provider Fee/Monthly Price/Cost of coverage means the consideration paid by You for the Protection Plan. All references to monthly price and cost of coverage are replaced by Provider Fee. Service Contract/Protection Plan means the Plan, which You have purchased for the Device described on the Schedule Page. The definition of Administrator is revised to read as follows: Administrator/Provider: The Administrator/Provider for phone and tablet Devices is The Signal, [676 East Swedesford Road, Suite 300, Wayne, PA, 19087]. The Administrator/Provider for all other Devices is United Service Protection Inc. in Florida, Assurant Service Protection, Inc. in Oklahoma, and Federal Warranty Service Corporation in all other states, [P.O. Box , Atlanta, GA , ]. The Administrator/Provider is the entity that is responsible for the administration of the Service Contract/Protection Plan. FW Page 7 of 8

8 The definition for You, Your and Accountholder is revised to read as follows: Service Contract Holder/You/Your means the person who is the purchaser or holder of the Protection Plan as shown on the Schedule Page. All references to Accountholder are replaced by Service Contract Holder. The following provision is added: Special Provision Obligations of the Service Contract Provider under this Protection Plan are backed by the full faith and credit of the Service Contract Provider. Item two (2) of the How to Make a Claim provision is revised to read as follows: 2. Call the 24/7 toll free number [ ]. A service representative will assist You by telephone to diagnose the covered Device s issue, record Your claim; and if approved, arrange for the applicable repair or replacement of the Device. The following language is added to the Arbitration Provision: Nothing in the section headed Arbitration Provision shall invalidate Washington state law(s) which would otherwise be applicable to any arbitration proceeding arising from this Protection Plan. All arbitrations will be held in the county in which You maintain Your permanent residence. Wisconsin only: The following provisions are added: Regulation: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. Subrogation: You will be made whole before We retain any amounts that may be recovered. Special Provision: The obligations under this Protection Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida. If a claim for service has not been completed within sixty (60) days after proof of loss has been filed with Us, or the Obligor becomes insolvent or otherwise financially impaired, the claim can be submitted directly to American Bankers Insurance Company of Florida at the following address [11222 Quail Roost Drive, Miami, FL 33157], or call the Toll Free number at [ ]. The second paragraph of the Cancellation provision under Cancellation by You is amended to read: If You notify Us within the first thirty (30) days of the Coverage Start Date for new registrations) and no claims have been filed, We will cancel the Protection Plan as of the Coverage Start Date or Registration Date and refund all premium to You. If You notify Us within the first thirty (30) days of the Coverage Start Date (or Registration Date for new registrations) and have received a paid claim against the Protection Plan, or You notify Us after the first thirty (30) days from the Coverage Start Date, We shall refund to You 100 percent of the unearned pro-rata premium. We will pay a penalty of 10 % per month on a refund that is not paid or credited within forty-five (45) days after cancellation of the Protection Plan. This provision applies only to the original purchaser of the Protection Plan, and is not transferable. The Cancellation by Us provision is amended to read as follows: We may cancel this Protection Plan by ing or delivering written notice, stating the reason for cancellation, to Your mailing address or address last known to Us, including the effective date of cancellation, which will be: At least 5 days before the effective date of cancellation if We cancel for application denial during the Review Period for fraudulent activities including, but not limited to, unauthorized use of a credit card, obtaining a Protection Plan or coverage under false pretense, participation in organizations with the intent to educate others on how to commit fraudulent activities. Or association with other customers committing fraud At least 15 days before the effective date of cancellation if We cancel for nonpayment of premium At least 30 days before the effective date of cancellation if We cancel for material misrepresentation by You, to the Provider or Administrator, or substantial breach of duties by You relating to the covered Device or its use. If cancelled by Us, refund for any reason other than nonpayment of premium will be calculated on the pro-rata unearned premium. We will pay any applicable refund to You. FW Page 8 of 8