WHAT TO DO IN THE EVENT OF A MECHANICAL FAILURE: KEVIN O'NEILL 244 CRYSTAL SPRINGS PL HENDERSON, NV 89074

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1 WHAT TO DO IN THE EVENT OF A MECHANICAL FAILURE: Contract #: WD Last 6 VIN: Dodge Stratus COVERAGE: 37/37 XtraCare Plus DEDUCTIBLE: $0 EXP DATE: 06/22/2015 EXP MILES: KEVIN O'NEILL 244 CRYSTAL SPRINGS PL HENDERSON, NV Protect your vehicle from further damage after the first recognition of a failure. 2. Within a reasonable time, take your vehicle to the licensed repair facility of your choice. 3. The repair facility must contact the Administrator s CLAIM CENTER by telephone at for coverage determination and the subsequent issuance of an authorization number on covered repairs before proceeding with any repair work. 4. Should you have any questions or need claim customer service Assistance, please call

2 WD Date: 5/22/2012 PURCHASE SUMMARY Selling Company Warranty Direct 9115 Harris Corners Pkwy Suite 350 Charlotte, NC Contract Purchaser KEVIN O'NEILL 244 CRYSTAL SPRINGS PL HENDERSON, NV Y e a r M a k e M o d e l O d o m e t e r V e h i c l e I d e n t i f i c a t i o n N o Dodge Stratus 60,100 4B3AG52HX4E P r o d u c t N a m e C o v e r a g e T e r m s 37/37 XtraCare Plus 37 Months Miles W a i t i n g P e r i o d 30 Day and 1000 Miles D e d u c t i b l e D a t e o f P u r c h a s e E x p i r a t i o n o f C o n t r a c t D a t e o r M i l e a g e ( w h i c h e v e r o c c u r s f i r s t ) 5/22/2012 6/22/2015 or C o n t r a c t P r o v i d e r C u s t o m e r S e r v i c e C l a i m s (800) (800) (800) P r e m i u m S a l e s T a x T o t a l P u r c h a s e P r i c e $2, $0.00 $2, $ $0.00 T o t a l A m o u n t P a i d T o d a y P a y m e n t P l a n P r o v i d e r P a y m e n t P l a n T e r m s PayLink 18 $ a Month Combined Summary of Purchase P r e m i u m $2, S a l e s T a x $0.00 T o t a l P u r c h a s e P r i c e $2, T o t a l A m o u n t P a i d T o d a y $127.00

3 Applicant Name: KEVIN O'NEILL Address: 244 CRYSTAL SPRINGS PL City: HENDERSON Seller Name: Warranty Direct Seller Address: 9115 Harris Corners Pkwy Suite 350 City: Charlotte Effective Date: 5/22/2012 Purchase Date: 5/22/2012 VIN: 4B3AG52HX4E Present Odometer Reading: 60,100 Contract Expires: Vehicle Service Contract Application Contract No WD Phone: address: State: Zip: NV Phone: (800) address: State: NC Seller Code: Zip: On 6/22/2015 or when odometer reaches Miles, whichever comes first. Contract Terms: 37 Months Miles Year: 2004 Vehicle Class: 2 Make: Dodge Number of Cylinders: 6 Contract Purchase Price: $2, Model: Stratus Financed By: PayLink COVERAGE: SURCHARGES: DEDUCTIBLE: O Luxury Care Plus O Secure Care Plus x Xtra Care Plus O Major Care O Power Wrap O Extreme Wrap O Powershield Enhanced O Powershield O Used as New O 4 Wheel Drive/All Wheel Drive O Air Bag Electronics O Turbo/Supercharger O Diesel Powered O Luxury Electronics O Disappearing Deductible O Older Vehicle Used only x Emissions O Seals & Gasket O Waiting Period Adjustment O $100 O $50 x $0 O $200 The Contract Applicant whose signature appears below acknowledges that: (1) This Contract is not connected, either directly or indirectly, with the warranty issued by the manufacturer of this Vehicle. (2) This Application and Terms & Conditions together with Your Identification Card constitute Your Vehicle Service Contract. (3) The Coverage I have selected expires according to the term indicated on the Application Page and Identification Card as defined in Item 1. Terms and Conditions. (4) The components and parts covered under this Contract are listed under the section entitled "Coverage" for the level of Coverage indicated on the Application Page and Identification Card. (5) I understand to file a claim in the event I have a Failure, I am to follow the instructions listed under the section entitled "What to Do in the Event of a Failure". (6) I understand that in order to maintain Coverage under this Contract, I must have my Vehicle serviced as indicated under "Maintenance Requirements" in the Contract as defined in Item 7. Terms and Conditions. (7) I understand that I have the right to cancel this Contract and receive a refund as indicated under the section entitled "Cancellation of Vehicle Service Contract." (After ten (10) days the cancellation fee is $25.00 in the state of Washington only). (8) I understand that this Contract does not cover a number of exclusions which are listed under the section entitled "Exclusions." (9) I have read and understand the Limit of Liability as defined in Item 4. Terms and Conditions. (10) I hereby acknowledge and accept the provisions of the Arbitration clause as stated in Item 10 of the Terms and Conditions. If You do not receive Your Identification Card within 60 days, call toll-free I hereby declare that I have read the terms of this Application and I understand and accept all the provisions therein. Phone Order 5/22/2012 Curtis English Applicant's Signature Date Seller Representative's Signature Date Administered by: Interstate National Dealer Services, Inc Powers Ferry Road NW Suite 200 Atlanta, GA WD-APP 8/11

4 PAYMENT PLAN AGREEMENT Service Contract Number WD. Purchaser Customer #: Seller Dealer #: Name: KEVIN O'NEILL Name: Warranty Direct Address: 244 CRYSTAL SPRINGS PL Address: 9115 Harris Corners Pkwy Suite 350 City: Charlotte State: NC Zip: City: HENDERSON State: NV Zip: Phone: (800) Fax: Phone: Salesperson: Curtis English Vehicle Information Contract Effective Date: 05/22/2012 Coverage Term (in months) 37 Coverage Mileage (in miles) Make: Dodge Model: Stratus Year: 2004 Odometer: VIN 4B3AG52HX4E Purchaser has purchased a Vehicle Service Contract from Seller that is issued by _INDS-National Service Contract RRG ( Administrator ). Purchaser desires to pay for the Vehicle Service Contract pursuant to this Payment Plan Agreement ( Agreement ) and Purchaser and PayLink Payment Plans, LLC ( PayLink ) agree to be bound by the terms of the Agreement as follows: Itemization of Payment Plan Amount Purchaser s Payment Schedule (a) PRICE (before taxes) $ $2, PAYMENT PLAN AMOUNT (e) $2, (b) TAXES on SALE $ $0.00 NUMBER OF TOTAL PAYMENTS 18 (c) TOTAL SALE PRICE (a + b) $ 2, AMOUNT OF EACH PAYMENT $ (d) DOWN PAYMENT $ PAYMENT DATE (monthly starting on) 6/21/2012 (e) PAYMENT PLAN AMOUNT (c d) (the amount Purchaser will have paid after Purchaser has made all payments as scheduled) $ 2, NOTE: Purchaser can prepay any amount without penalty. Purchaser should review the terms of this Agreement and the Vehicle Service Contract for information about nonpayment, default, penalties, refunds and any required prepayments. LATE CHARGE: Unless Administrator, Seller or PayLink has received a cancellation notice, and unless prohibited by applicable law, a late payment fee may be imposed in the amount of the lesser of 5% of the late payment or $20.00 in respect of any payment not received within 5 days of the scheduled payment date (the Late Charge ). CANCELLATION: Purchaser has the right to cancel the Vehicle Service Contract at any time in accordance with the terms of the Vehicle Service Contract. After cancellation, Purchaser has no obligation to make any further payments. If Purchaser exercises the right to cancel the Vehicle Service Contract before making all payments, Purchaser will send written notice of the cancellation to Administrator, Seller or PayLink. PayLink is authorized by Purchaser to direct Administrator/Seller to cancel the Vehicle Service Contract if any payment has not been received by PayLink within 10 days of the scheduled payment date. If the Vehicle Service Contract is cancelled before the Purchaser has paid the full Payment Plan Amount and any other fees or charges due to PayLink under this Agreement, Purchaser hereby assigns to PayLink the Purchaser s right to receive refunds pursuant to the Vehicle Service Contract except for the Purchaser Refund. The Purchaser Refund is a refund calculated in the manner described in the Vehicle Service Contract but based on amounts actually paid by Purchaser rather than the Total Sales Price of the Vehicle Service Contract. PAYMENT OPTIONS: Purchaser has paid Seller the Down Payment in the amount set forth above. Purchaser shall pay the balance of the Payment Plan Amount to PayLink in accordance with the payment option selected below (if no payment option is selected, PayLink will provide a monthly statement): x Payment Option #1: AUTHORIZATION FOR CREDIT OR DEBIT CARD PAYMENT Purchaser authorizes PayLink to make the applicable number of consecutive monthly charges to the Purchaser s credit/debit account listed below, in the amount and at the times disclosed above (including late charges or fees, if any). This authority will remain in effect until the Payment Plan Amount is paid in full, together with applicable charges if any, or until PayLink has received written notification of termination from Purchaser in time to allow reasonable opportunity to act on such notification. Credit Card # *******3965 Expiration Date 11/14 MM/YY _ Payment Option #2: AUTHORIZATION FOR DIRECT DEBIT Purchaser authorizes PayLink to instruct Purchaser s financial institution to make the applicable number of consecutive monthly payments in the amounts and at the times set forth above (including late charges or fees, if any) by electronic automatic debit of the account detailed below. This authority will remain in effect until the Payment Plan Amount is paid in full, together with applicable charges if any, or until PayLink has received written notification of termination from Purchaser in time to allow reasonable opportunity to act on such notification. Name of Institution Transit Routing # Account # Checking Savings b NOTICE TO PURCHASER: (1) You are entitled to a copy of this Agreement; (2) You have the right to cancel the Vehicle Service Contract at any time and make no further payments; (3) Keep this Agreement to protect your legal rights. IF VEHICLE SERVICE CONTRACT WAS PURCHASED IN PERSON, YOU SHOULD NOT SIGN THIS AGREEMENT UNTIL YOU HAVE READ ALL OF IT. IF VEHICLE SERVICE CONTRACT WAS PURCHASED BY PHONE AND YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, PLEASE CALL PAYLINK OR ADMINISTRATOR IMMEDIATELY TO INITIATE CANCELLATION OF YOUR VEHICLE SERVICE CONTRACT. Purchaser agrees to the terms and conditions of this Agreement, including the terms and conditions attached hereto as Exhibit A. PURCHASER Telephone Authorization - TO 05/22/2012 Signature Date NOTICE TO PURCHASER: FURTHER PROVISIONS ON EXHIBIT A PLVSC Payment Processing Center: PayLink Payment Plans, LLC 300 S. Wacker, Suite 2250 Chicago, IL ph fx

5 PAYMENT PLAN AGREEMENT Service Contract Number WD. EXHIBIT A PROMISE TO PAY. Purchaser shall pay to PayLink the Payment Plan Amount according to the provisions of this Agreement. Purchaser may not reduce any amounts owed to PayLink pursuant to this Agreement for any reason whatsoever. ASSIGNMENT OF CERTAIN RIGHTS. Purchaser agrees that with respect to the refund of unearned premiums under the Vehicle Service Contract, Purchaser shall receive no more than the Purchaser Refund, and has no interest or claim in any refund amounts due or remitted to PayLink. As security, Purchaser hereby assigns to PayLink all of Purchaser s right, title and interest in and to the Vehicle Service Contract, including Purchaser s rights to cancel or reinstate the Vehicle Service Contract, and to receive proceeds thereof, up to and including any unearned and/or refund amounts due under the Vehicle Service Contract; provided however that amounts assigned hereunder shall not include any Purchaser Refund due Purchaser following cancellation of the Vehicle Service Contract and Purchaser does not hereby assign the Purchaser Refund to PayLink. AMOUNT DUE FOLLOWING CANCELLATION. If the Vehicle Service Contract is cancelled, Purchaser may be entitled to a Purchaser Refund. Any such refund is the sole responsibility of the Seller and Administrator. PayLink shall have no contractual or other responsibility under this Agreement or the Vehicle Service Contract to pay or calculate such refund, or for the performance of any other services required by the Vehicle Services Contract. LATE CHARGE. If any installment payment hereunder is more than 5 days late, and except as prohibited by applicable law, Purchaser shall pay PayLink the Late Charge. Nothing herein shall be considered to waive any default hereunder or to grant any grace period with respect to any default for failure to make any payment on the date it is due. Additionally, Purchaser shall pay to PayLink $25 for each check or each debit that is dishonored by Purchaser s bank. All late charges or fees incurred by Purchaser shall be paid in the next monthly payment and in accordance with the payment option selected by Purchaser and/or in effect at the time of the next monthly payment. DEFAULT. If Purchaser fails to make any payment due hereunder or comply with any other provision hereof ( defaults ) or PayLink reasonably believes, for any reason, that Purchaser may not honor its obligations hereunder; then PayLink shall have the right to cancel the Vehicle Service Contract, collect and receive funds with respect to the Vehicle Service Contract, retain any amount owing hereunder (and remit any surplus in excess of $5.00 to Purchaser) and take any other action to enforce PayLink s rights. Purchaser hereby releases and discharges PayLink from any liability for damages with respect to PayLink s cancellation of the Vehicle Service Contract as well as any action taken following a default by Purchaser and shall indemnify and hold PayLink harmless from any liabilities, claims, damages or causes of action in connection with any such action by PayLink. POWER OF ATTORNEY. Following any failure by Purchaser to make a payment due under this Agreement, Purchaser hereby irrevocably appoints PayLink as its true and lawful attorney-in-fact with respect to the Vehicle Service Contract until all amounts payable hereunder are paid in full. PayLink shall have full power under this power of attorney to (i) cancel or reinstate the Vehicle Service Contract, (ii) endorse or execute, in Purchaser s name, all checks issued and all other documents or instruments relating to the Vehicle Service Contract, (iii) receive, demand, collect or sue for any amounts relating to the Vehicle Service Contract due and owing to PayLink by Administrator, insurer, Seller, or other obligor and (iv) take such other actions as are necessary to further the purposes of this Agreement. PAYMENTS AFTER CANCELLATION. Any payment made by Purchaser after PayLink has mailed a notice of cancellation to Purchaser will not constitute a reinstatement of the Vehicle Service Contract but shall be applied to Purchaser s outstanding obligations under this Agreement. Neither the acceptance nor the application of any such payments shall constitute an undertaking by PayLink to take steps to attempt to reinstate such Vehicle Service Contract or constitute a waiver of any default hereunder. ACCEPTANCE, RATIFICATION, ACCURACY. This Agreement shall be effective upon signature by Purchaser, or where applicable, upon the mailing or other transmittal of this Agreement to Purchaser. The making of the first payment by or on behalf of Purchaser serves to ratify this Agreement even if the Agreement is not signed by Purchaser. PayLink may deem this Agreement void, at PayLink s sole option, if Purchaser makes any change to the preprinted portion of this agreement (by way of deletion, modification, supplementation or otherwise). PayLink shall have the authority to revise this Agreement to insert any provision omitted (including but not limited to the due date of the first monthly payment) upon written notice to Purchaser unless purchaser objects to such changes in writing. In addition, if the total payments due hereunder are changed due to action taken by the Administrator (e.g. as a result of underwriting considerations), PayLink shall have, following Purchaser s authorization, the right to revise the figures on the face of this Agreement. MANDATORY ARBITRATION. PayLink and Purchaser mutually agree that (i) any one of them has the right to elect to resolve by binding arbitration: any claim, dispute or controversy (whether in contract, tort or otherwise, whether pre-existing, present or future, and including statutory, common law, intentional tort and equitable claims) arising from or relating to this Agreement or the Vehicle Service Contract; (ii) if arbitration is chosen, it will be conducted with the American Arbitration Association (the AAA ) pursuant to the AAA s Commercial Arbitration Rules; (iii) THERE SHALL BE NO AUTHORITY FOR ANY CLAIMS TO BE ARBITRATED ON A CLASS ACTION BASIS; (iv) AN ARBITRATION CAN ONLY DECIDE PAYLINK S OR PURCHASER S CLAIMS AND MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF OTHER PERSONS WHO MAY HAVE SIMILAR CLAIMS; (v) ANY SUCH ARBITRATION HEARING WILL TAKE PLACE IN THE CITY OF CHICAGO, COUNTY OF COOK, STATE OF ILLINOIS; (vi) Purchaser hereby waives any obligation which it may now or hereafter have based on venue and/or forum non conveniens of any such arbitration; (vii) this Agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, and (viii) should either section (iii) or (iv) of this Mandatory Arbitration provision be unenforceable or invalid for any reason, then this Mandatory Arbitration provision shall be null and void in its entirety. ASSIGNMENTS. PayLink may, with or without notice to Purchaser, assign or pledge its rights, title and interest in, to and under this Agreement and the collateral and power of attorney herein described. Upon notice from any such assignee, Purchaser shall make all payments to such assignee without defense, offset or counterclaim as to such assignment. ENTIRE AGREEMENT. This Agreement constitutes the entire agreement between Purchaser and PayLink. It supersedes any other written or oral agreement between the parties, and, except as otherwise set forth herein, may be modified only in writing signed by both parties. REMEDIES, GOVERNING LAW, WAIVERS. This Agreement shall be governed and construed in accordance with the laws of the state of Illinois without regard to applicable conflict of law principles. Each provision hereof shall be interpreted so as to be effective and valid under applicable law. Subject to Section (viii) of the provision regarding Mandatory Arbitration, if any provision hereof is held to be unenforceable or invalid under applicable law, such provision shall not impair the validity or enforceability of the remaining provisions hereof. Subject to the provision regarding Mandatory Arbitration, any legal actions or proceedings arising out of or from or related to this Agreement or the Vehicle Service Contract, shall be brought only in courts having situs within Cook County, Illinois, and each party hereby consents and submits to the jurisdiction of any local, state or federal court located within Cook County, Illinois and waives any right it may have to transfer the venue of any such action or proceeding. PayLink s failure to require strict performance of any provision hereof or to exercise any of its rights hereunder shall not waive or relinquish any future right under such provision and the provision shall continue and remain in full force and effect. MISCELLANEOUS. The content and format of this Agreement has been adopted to provide Purchaser with important information in a clear and familiar form and its use does not imply that any particular federal or state law relating to lending or installment sales applies to this Agreement or transactions it contemplates. Purchaser expressly acknowledges and understands that the purchase of a Vehicle Service Contract is not required either to purchase or obtain financing for a new vehicle. Time is of the essence in this Agreement. PLVSC Payment Processing Center: PayLink Payment Plans, LLC 300 S. Wacker, Suite 2250 Chicago, IL ph fx

6 XtraCare Plus Coverage Terms & Conditions WD-904XC NSC 1/12 1 Definitions Administrator... refers to Interstate National Dealer Services of Florida, Inc. ( INDSF ) in Florida and Interstate National Dealer Services, Inc. ( INDS ) in all other jurisdictions. INDSF and INDS are located at 6120 Powers Ferry Rd NW, Suite 200, Atlanta, Georgia and phone number Application... refers to the document which is attached hereto and forms part of this Contract. Contract... refers to this Service Contract. The Application, the Terms and Conditions and the Identification Card comprise this Contract. Coverage... refers to the component protection You have chosen, as shown on the Application and the Identification Card. Deductible... refers to the Deductible type and amount You will need to pay, as shown on the Application and the Identification Card, for each covered Failure repair visit. Failure... refers to the Failure of a covered part under normal service. A covered part has failed when it can no longer perform the function for which it was designed solely due to its condition, and not due to the action or inaction of any non-covered parts. In addition, a Failure will be deemed to have occurred when a covered part has worn beyond the manufacturer s tolerances allowed for the particular Vehicle at the mileage when the problem occurs. Identification Card... refers to the numbered card which becomes part of this Contract. It gives information about You, Your Vehicle, Coverage chosen and other significant data. Vehicle... refers to the Vehicle which is described on the Application and the Identification Card, which cannot be used for rental, emergency or for-hire purposes. Waiting Period... refers to a period of time AND mileage that precedes the Coverage period of this Contract. Coverage under this Contract begins upon expiration of the Waiting Period. We, Us, Our... refers to the entity who is obligated to perform under this Contract (the obligor ). The obligor for this Contract is Interstate National Dealer Services of Florida, Inc. ( INDSF ) in Florida under license numbers 60088, and 80230, Interstate Administrative Services, Inc. ( IAS ) in Oklahoma and Interstate National Dealer Services, Inc. ( INDS ) in all other jurisdictions. INDSF, INDS and IAS are located at 6120 Powers Ferry Rd NW, Suite 200, Atlanta, Georgia and phone number You, Your... refers to the Contract holder named on the Application and the Identification Card or the person to whom this Contract was properly transferred. Terms & Conditions 1. CONTRACT PERIOD: Coverage under this Contract begins upon expiration of the Waiting Period. The Waiting Period for this Contract is thirty (30) days AND one thousand (1,000) miles from the date/mileage on the date of Contract purchase. This Contract will expire according to the time and/or mileage of the Contract selected, whichever occurs first, as shown on the Application and the Identification Card. a) New/Program Vehicles (60,000, 75,000, 85,000 or 100,000 mile terms) Contract expiration is measured in time from the Contract Purchase Date and zero (0) miles. b) Used Vehicles (13,000, 25,000, 37,000, or 49,000 mile terms) Contract expiration is measured from the Contract purchase date and the odometer reading at Contract purchase date. c) Any Failure that occurs during the Waiting Period will not be covered. If this Contract is a continuation of Coverage from another contract provided by Us and there has been no lapse or interruption in Coverage under the initial Contract, the Waiting Period requirements are waived. 2. FAILURE OF COVERED PARTS: We will pay on behalf of or reimburse You for the reasonable costs to repair or replace any of the parts included in Your Coverage which cause a Failure. Replacement parts may be new, remanufactured or replacement parts of like kind and quality. Sales tax will be authorized for covered Failures only when required by the applicable state where the repair is taking place. 3. TERRITORY: This Contract is limited to Failures which occur, and repairs that are made, in the United States of America (excluding U.S. territories and possessions) and Canada. 4. LIMIT OF LIABILITY a) The maximum limit of liability per loss shall be equal to the actual cash value of the Vehicle at the time of repair. b) The aggregate limit of liability for each Service Contract shall not exceed the retail price of the Vehicle.

7 5. OUR RIGHT TO RECOVERY: If We pay anything under this Contract and You have a right to recover from another party, Your rights will become Our rights up to the amount We paid. You will do whatever is reasonably necessary to enable Us to enforce these rights. 6. TRANSFER RIGHTS: This Contract is for the benefit of the original Contract holder but is transferable subject to a transfer fee and inspection providing: a) Proof of transfer of the remaining manufacturer s warranty is provided, if applicable. b) Contract is being transferred to a subsequent private purchaser of Your Vehicle. (Transfer rights are voided when the Vehicle is traded, sold or put on consignment to an individual or entity engaged in the wholesale or retail sale, leasing or rental of vehicles.) You must submit the following: a) Complete a Transfer Application (Available from the Administrator) and submit to the Administrator. b) Provide a Bill of sale with the Transfer Application indicating the sale date and mileage at time of sale. c) Issue a check in the amount of seventy five dollars ($75) for the Transfer fee made payable to the Administrator. d) Provide all documents to the Administrator within thirty (30) days of the transfer of Vehicle ownership. 7. MAINTENANCE REQUIREMENTS: You must maintain Your Vehicle according to the manufacturer s recommendations as outlined in the owner s manual. NOTE: Your owner s manual has separate required maintenance schedules for normal and more severe operating conditions. You are required to follow the maintenance schedule that applies to Your conditions. You must be sure only the proper grade of lubricants and coolants, as recommended by the manufacturer, is used in Your Vehicle. It is necessary for You to retain verifiable receipts for all parts and materials necessary to perform the required maintenance. If necessary, this documentation will be verified by the Administrator. 8. DEDUCTIBLE: In the event of a Failure covered by this Contract, You may be required to pay a Deductible. No Deductible payment is required with respect to the Coverage listed in the Benefits section of this Contract. The Deductible type and amount You have to pay is shown on the Application and the Identification Card, for covered Failures on a per repair visit basis. Should a covered Failure require more than one (1) visit to repair, only one (1) Deductible will apply to that Failure. If You selected the Disappearing Deductible option, the standard Deductible will be waived, provided You have the repairs performed at Firestone or AAMCO. 9. INSURER: You are reminded that this Contract is not an insurance policy. However, an insurance policy is in effect with National Service Contract Insurance Company Risk Retention Group Inc. If We fail to pay an authorized claim within sixty (60) days after proof of loss has been filed, You are entitled to make a direct claim against the insurer, National Service Contract Insurance Company Risk Retention Group Inc. C/O Risk Services, PO Box 2100, Montpelier, Vermont ARBITRATION: Should a dispute or controversy or claim arise out of or relating to this Contract, or the alleged breach thereof, the matter may be settled by non-binding Arbitration. Either party may make a written request to any nationally recognized organization that performs consumer related Arbitration services. If both parties agree to Arbitrate, the parties would than agree to abide by the consumer related rules and protocol established by the chosen Arbitration organization. XtraCare Plus Coverage The components listed below are covered by this Contract. Components not listed are not covered. ENGINE (Gas or Diesel) All internally lubricated engine parts including: pistons, piston rings, piston pins, crankshaft and main bearings, connecting rods and bearings, camshaft and bearings, timing chain or belt, timing gears, intake and exhaust valves, valve springs, valve guides, oil pump, push rods, rocker arms, rocker arm shafts, hydraulic and solid lifters; intake manifold; distributor shaft and housing; harmonic balancer; metal valve covers; timing gear cover; air cleaner and housing; water pump; fuel pump (mechanical or electric); oil pump; vacuum pump; thermostatically controlled air intake; engine block and heads are covered if damaged by the Failure of an internally lubricated moving part. TURBO/SUPERCHARGER All internal parts; housing is covered if damaged by the Failure of an internally lubricated moving part. TRANSMISSION (Automatic or Standard) All internal parts; torque converter; vacuum modulator; mounts; covers, pans and cases are covered if damaged by the Failure of an internally lubricated moving part. Note: No Coverage is afforded for clutch assembly; pressure plate; flywheel; throwout bearing; worn synchronizers or cables. TRANSFER UNIT (4x4) All internal parts; transfer case is covered if damaged by the Failure of an internally lubricated moving part. DRIVE AXLE(S) All internal parts; U joints; propeller shafts; CV/Tripod joints; differential case is covered if damaged by the Failure of an internally lubricated moving part. WD-904XC NSC 1/12 2

8 STEERING (Manual or Power) All internal parts in rack and pinion; all internal parts in recirculating ball housing; couplings; gear housing; power steering pump; steering main and intermediate shafts; power cylinder assembly; power steering cooler; control valve; Pitman arm; idler arm; tie rod ends; drag link. ELECTRICAL Alternator and voltage regulator; starter motor, starter drive and starter solenoid; front wiper motor including internal circuit board, relay and delay switch; manually operated switches including those for power windows, power seats, turn signals, cruise control, headlamps, brake lights and emergency warning flashers; horn button; power door lock actuators; power seat motors; power window motors, regulators and drives; fuel gauge sending unit; heated back glass; rear wiper motor; heater blower motor; horn; factory installed sunroof motor and its wiring harness; convertible top motor; power antenna motor and mast. FRONT AND REAR SUSPENSION Upper and lower control arms, control arm shafts and bushings; upper and lower ball joints; steering knuckles; stabilizer shaft, link and bushings; king pins and bushings; strut bar and bushings; spindles and spindle supports; Macpherson struts; shackle bushings and eye bushings; springs, torsion bars and bushings; stabilizer linkage and bushings; wheel bearings and seals; automatic leveling unit compressor, sensor and limiter valve. (Includes hub and wheel bearings) BRAKES Master cylinder; power assist booster and valve; wheel cylinders; calipers; combination valve; steel lines and fittings; backing plates; vacuum assist booster pump; springs, clips and retainers; self adjusters; rear activators; parking brake linkage and cables. ANTI-LOCK BRAKES (ABS) Electronic control unit; anti-lock computer module; wheel speed sensors/exciters; proportioning valves; high pressure hydraulic pump; electro-hydraulic proportioning control valves; accumulator. AIR CONDITIONING Compressor; internal assembly including pistons, rods, bearings, valves and shafts; clutch; coil and pulley; orifice tube; condenser; evaporator; expansion valve; dryer tank; accumulator; POA valve; hi/low pressure cut-off switch; ducts and outlet hoses; automatic temperature control programmer. Note: If system has R 12 refrigerant, R 12 will be used for replacement while supplies last. If R 12 is not available, the system will be converted to use R 134a refrigerant to meet environmental standards. If replacement is due to a covered component Failure, this Contract will cover the conversion. If due to a non-covered Failure, Contract holder is responsible for the cost of the conversion. ELECTRONICS Anti-detonation sensor; ESC/EEC/ECM sensor and module; oxygen sensor; electronic module retard vacuum switch; electronic ignition module; igniter; electronic digital instrument cluster; electronic driver information display and module; instrument panel printed circuit board; remote keyless entry module; cruise control servo, module and transducer; compass; thermometer. COOLING Radiator; fan clutch and fan; engine cooling fan motors; heater core. FUEL DELIVERY Fuel injector metering pump; fuel injectors; fuel distributor; diesel injection pump; fuel tank; metal fuel lines. INTERIOR/EXTERIOR Glove box door and hinge; manually operated seat tracks; adjustable pedals; interior and exterior door handles; door hinges; map/courtesy light assembly; hood, trunk and hatch gas cylinders; hood, trunk and hatch hinges; bumper energy absorbers; speedometer head. SPORT UTILITY Step bumpers and mounting brackets; spare tire carrier, swing arm, pivots, latches and locks; factory installed running boards; swing out mirror arms and mounts; pop-out or sliding side/rear window latches and hinges; convenience bed liner (not warpage); tailgate handle, lock, cables, hinges and latches; edge protectors; cargo lamp; tie downs. Note: Rust damage and Failures caused by rust are expressly excluded. SEALS AND GASKETS Seals and gaskets, if needed, are covered for the following assemblies: Engine; Turbo/Supercharger; Transmission; Transfer Unit and Drive Axle(s); Steering; Front Suspension; Brakes and Air Conditioning; Rear Suspension and Anti-Lock Brakes. OPTIONAL Emissions Coverage: Oxygen sensor, MAP sensor, Mass air flow sensor, Anti-knock sensor, EGR/EFE valve, EGR/EFE Thermal Vacuum Switch, Air Pump, Canister Purge Solenoid, Deceleration Valve; Air Induction System; EGR Recirculation System; Fuel Sensor; Fuel Tank Pressure Control Valve; Intake Manifold; PCV System; Powertrain Control Module; Secondary Air Injection System; Throttle Body Assembly (MFI). (If the Optional Emissions Coverage has not been stated on the Administrator copy of the Application, along with the corresponding surcharge being received by the Administrator, NO Coverage will apply for these components/parts under this Contract.) WD-904XC NSC 1/12 3

9 Benefits CAR RENTAL: We will, in the event of a Failure covered by this Contract, pay or reimburse You for receipted expenses to rent replacement transportation (from a Dealer or licensed rental agency) while Your Vehicle is undergoing repair. Such payment shall be limited to thirty dollars ($30) for each eight (8) labor hours, or portion thereof, of applicable labor time necessary to complete the repair, up to a maximum of one hundred fifty dollars ($150) per occurrence. This Coverage does not apply to time waiting for parts or other delays beyond the control of the repair facility. In the event of a major component (engine, transmission or drive axle) replacement, a maximum of three (3) days of parts delay Coverage will be afforded provided additional authorization is obtained from the Administrator (except where prohibited by law). TRAVEL EXPENSES: We will, in the event a Failure covered by this Contract which occurs more than one hundred (100) miles from Your home, reimburse You up to seventy-five dollars ($75) per day for up to three (3) consecutive days for receipted motel/restaurant expenses (except where prohibited by law). The date of Failure will be considered the first day of the three (3) day maximum period. EMERGENCY ROADSIDE ASSISTANCE: Towing / Road Service / Lockout: Producer Code: Plan: AB In the event Your Vehicle is disabled, We will dispatch a service vehicle to Your location to assist You. In the event Your Vehicle is unable to continue under its own power Your Vehicle may be towed to a location of Your choosing. We will pay the first one hundred dollars ($100) of any roadside assistance requested. Additional costs exceeding the first one hundred dollars ($100) are Your responsibility and payment will be expected at the time service is rendered. When calling for towing or road service You must call the following toll-free number: You will be required to give the representative assisting You the following information: Producer Code 28244, Your Vehicle Service Contract Number (located on the front right hand corner of the Application) and Your Plan Letter which is AB. Coverage: You are entitled to one (1) service per 72-hours. We will pay the first one hundred dollars ($100) for any of the following requested services: towing; battery jumpstart; flat tire change; essential fluid delivery (You are responsible for the actual cost of the delivered fluids i.e. gas, oil, water, etc.); locksmith (cost of replacement keys is not included). Reimbursement: In the event Your Vehicle is disabled and You contracted for any of the above covered services on Your own, You will be able to submit Your original receipted road service expenses for reimbursement consideration. Reimbursement will only be considered when properly licensed and insured providers provide a covered service; private citizen services are not reimbursable. Your reimbursement for towing is one hundred dollars ($100). Reimbursement for any other roadside service including locksmith services is one hundred dollars ($100). You must send Your original receipted roadside bills along with a completed claim form to the Administrator. Claim forms may be obtained from the Administrator. WD-904XC NSC 1/12 4 What to do in the Event of a Failure 1. Prevent Further Damage - You should use all reasonable means and precautions to protect Your Vehicle from further damage. This Contract will not cover damage caused by not securing a timely repair of the failed component. 2. Take Your Vehicle to a licensed repair facility - If Your Vehicle breaks down, take Your Vehicle to the licensed repair facility of Your choice. If You have purchased the Disappearing Deductible option, You will need to take Your Vehicle to Firestone or AAMCO for the repair. 3. Instruct the repair facility that they must obtain an authorization number from the Administrator prior to proceeding with repairs. The amount so authorized is the maximum that will be paid. Any additional amounts need prior approval. 4. In some cases, You may be required to authorize the repair facility to inspect or tear down Your Vehicle to determine the cause of Failure and the cost of the repair. You will be responsible for these charges if the Failure is not covered by this Contract. We reserve the right to require an inspection of Your Vehicle prior to any repair being performed. We reserve the right to move Your Vehicle to another repair facility. 5. After the Administrator has been contacted, review with the repair facility what will be covered by this Contract. 6. We will reimburse the repair facility for the cost of authorized repairs performed on Your Vehicle, less any applicable Deductible. There may be circumstances when the reimbursement will be made to You. All repair orders and necessary documentation must be submitted to the Administrator within thirty (30) days by You or the repair facility to qualify for payment. If You have any questions regarding Coverage or procedures, please contact the Administrator at the following number: Fax:

10 WD-904XC NSC 1/12 5 Repair Facility Guidelines for Claims Handling Follow these steps when handling a claim: 1. Advise the Contract holder that evaluation of a Failure does not mean that the repair is covered under this Contract. All covered repairs must receive prior authorization from the Administrator. 2. Have the Contract holder authorize the inspection/tear down of the Vehicle to determine the cause of the Failure and the cost to repair. Save all components, including fluids and filters, should the Administrator require an outside inspection. Notify the Contract holder that the cost of tear down will not be paid if it is determined that the Failure is not covered under this Contract. 3. Determine the cause of Failure, correction required and cost of the repairs. 4. Contact the Administrator s Claims Advisor at to get authorization to proceed with the claim. Be prepared with the following when placing the call: a. Customer s Name and Contract Number. b. Cause of Failure and recommended correction. c. Cost of repair. 5. The Claims Advisor will verify Coverage and do one of the following: a. Approve Claim - If approved, the repair facility will be given an authorization number to be recorded on the repair order. The authorized amount is the maximum that will be paid. Additional amounts must receive prior approval. b. Require Additional Evaluation, Inspection or Tear Down The Administrator may require an inspection prior to the repair being completed. If a tear down is required to determine the cause of Failure, the Contract holder must authorize same. Notify the Contract holder that if the repair is not covered, then the Contract holder will be responsible for the cost of the tear down. The repair facility should save all components requiring inspection, including fluids and filters. The Claims Advisor will arrange for the inspection. If the inspection is not made within forty-eight (48) hours, contact the Claims Advisor. c. Deny the claim and provide the reason for the denial. 6. Review the Administrator s findings with the Contract holder as well as what will be covered by the Contract and what portion of the repairs, if any, will not be covered. 7. Obtain the Contract holder s authorization to complete repairs. All repair orders must have the Contract holder s signature to qualify for payment. 8. Submit the repair order(s) which should contain the Contract number, authorization number and authorized amount to the Administrator within thirty (30) days at the following address. For immediate claims payment, ask about Our credit card payment plan. Claims Administration performed by: Interstate National Dealer Services, Inc Powers Ferry Rd. NW, Suite 200, Atlanta, GA Claims Fax: Cancellation of Vehicle Service Contract 1. You may cancel this Contract at any time including when the Vehicle is sold, lost, stolen or destroyed by notifying Us. Contact the Administrator for a Cancellation Form which will need to be completed and sent to the Administrator. The Cancellation Form must include an odometer statement showing mileage at the time of request. 2. We may cancel this Contract for non-payment of the Contract charge, or for Your intentional misrepresentation in obtaining this Contract or in submitting a claim. If We cancel this Contract, You will receive a pro-rata refund of the unearned Contract charge paid reflecting the greater of the days in force or the mileage elapsed based on the term of the Contract, less a service charge of one hundred dollars ($100). 3. If Your Vehicle and this Contract has been financed, the lien holder may cancel this Contract for non-payment, or if Your Vehicle has been declared a total loss or has been repossessed. The rights under this Contract are transferred to the lien holder and the lien holder is also entitled to any resulting refund. In the event that Your Contract is cancelled due to nonpayment You forfeit any and all refund rights. 4. A. If You cancel this Contract within thirty (30) days of purchase and no claim has been filed, the entire Contract charge paid will be refunded. B. If You cancel this Contract after thirty (30) days of purchase or if a claim has been filed, an amount of the unearned Contract charge paid will be refunded according to the pro-rata method reflecting the greater of the days in force or the mileage elapsed based on the term of the Contract. A one hundred dollar ($100) service charge and the total amount of all authorized claims will be deducted from the refund. Elapsed time and mileage shall be measured from the Contract purchase date and the Contract purchase mileage.

11 5. In the event of cancellation, the lien holder, if any, will be named on the cancellation refund check. Exclusions This Vehicle Service Contract Provides NO Coverage or Benefits for the following: A. ANY FAILURES OCCURRING DURING THE FIRST THIRTY (30) DAYS AND ONE THOUSAND (1,000) MILES UNLESS THIS CONTRACT QUALIFIES AS A CONTINUATION OF COVERAGE CONTRACT AS DEFINED IN THE CONTRACT PERIOD SECTION OF THIS DOCUMENT. B. THE FOLLOWING PARTS: CARBURETOR; BATTERY; BATTERY/BATTERY PACK ON HYBRID/ELECTRIC VEHICLES; SHOCK ABSORBERS; MANUAL TRANSMISSION CLUTCH ASSEMBLY; FRICTION CLUTCH DISC AND PRESSURE PLATE; THROWOUT BEARING; MANUAL AND HYDRAULIC LINKAGES; DISTRIBUTOR CAP AND ROTOR; SAFETY RESTRAINT SYSTEMS (INCLUDING AIR BAGS); GLASS; LENSES; SEALED BEAMS; LIGHT BULBS; BRAKE ROTORS AND DRUMS; ALL EXHAUST COMPONENTS; AND THE FOLLOWING EMISSION COMPONENTS: EGR VALVE; EGR PURGE VALVE/SOLENOIDS; EGR THERMAL VACUUM SWITCH; VACUUM CANISTER; EFE THERMAL VACUUM SWITCH; EFE VALVE; VAPOR RETURN LINES/VALVES; AIR PUMP/LINES/VALVES; DECELERATION VALVE; ANTI BACKFIRE VALVE; ELECTRONIC CHOKE; FUEL FILLER CAP; CATALYTIC CONVERTER/FILTERING/SENSORS; AND EMISSION VAPOR SENSORS; WEATHER STRIPS; TRIM; MOLDINGS; BRIGHT METAL; CHROME; UPHOLSTERY AND CARPET; PAINT; OUTSIDE ORNAMENTATION; BUMPERS; BODY SHEET METAL AND PANELS; TIRES; AND WHEELS/RIMS; GPS NAVIGATION SYSTEMS; PHONE SYSTEMS AND TV/VIDEO/ENTERTAINMENT SYSTEMS. C. MAINTENANCE SERVICES AND PARTS DESCRIBED IN YOUR VEHICLE S OWNER S MANUAL AS SUPPLIED BY THE MANUFACTURER AND OTHER NORMAL MAINTENANCE SERVICES AND PARTS INCLUDING, BUT NOT LIMITED TO: ALIGNMENTS; WHEEL BALANCING; TUNEUPS; SPARK PLUGS AND SPARK PLUG WIRES; GLOW PLUGS; HOSES; DRIVE BELTS; BRAKE PADS; LININGS AND SHOES; DRUMS AND ROTORSAND WIPER BLADES. SHOP SUPPLY CHARGES; EPA DISPOSAL FEES; SPECIAL ORDER PARTS SHIPPING COST; PARTS LOCATOR RESEARCH FEE; STORAGE FEES; FILTERS, LUBRICANTS, COOLANTS, FLUIDS AND REFRIGERANTS WILL BE COVERED ONLY IF REPLACEMENT IS REQUIRED DUE TO A COVERED FAILURE. D. ANY COMPONENT NOT COVERED BY THE VEHICLE MANUFACTURER FOR THE FULL TERM OF THE VEHICLE WARRANTY IS EXCLUDED. E. ANY FAILURE RESULTING FROM COLLISION; INTERNAL OR EXTERNAL FIRE; THEFT; VANDALISM; RIOT; EXPLOSION; LIGHTNING; EARTHQUAKE; FREEZING; RUST OR CORROSION; WINDSTORM; HAIL; WATER OR FLOOD; ACTS OF GOD; SALT; ENVIRONMENTAL DAMAGE; CONTAMINATION OR LOSS OF FLUIDS, FUELS, COOLANTS OR LUBRICANTS. F. ANY FAILURE CAUSED BY MISUSE; ABUSE; NEGLIGENCE; LACK OF NORMAL MAINTENANCE REQUIRED BY THE MANUFACTURER S MAINTENANCE SCHEDULE FOR YOUR VEHICLE; IMPROPER SERVICING BY YOU AFTER THE EFFECTIVE DATE OF THIS CONTRACT; SLUDGE BUILD-UP OR NOT MAINTAINING PROPER LEVELS OF LUBRICANTS AND/OR COOLANTS; OR NOT PROTECTING THE VEHICLE FROM FURTHER DAMAGE WHEN A FAILURE HAS OCCURRED. G. ANY REPAIR OR REPLACEMENT OF A COVERED PART IF A FAILURE HAS NOT OCCURRED OR IF THE WEAR ON THAT PART HAS NOT EXCEEDED THE FIELD TOLERANCES PERMITTED BY THE MANUFACTURER. H. IF ANY ALTERATIONS HAVE BEEN MADE TO YOUR VEHICLE OR YOU ARE USING, OR HAVE USED, YOUR VEHICLE IN A MANNER NOT RECOMMENDED BY THE MANUFACTURER. THIS WILL INCLUDE, BUT NOT BE LIMITED TO, THE FAILURE OF ANY CUSTOM OR ADD-ON PART; ANY FRAME OR SUSPENSION MODIFICATIONS; LIFT KITS; OVERSIZED/UNDERSIZED TIRES OR WHEELS; TRAILER HITCHES; AND OR MODIFICATIONS TO THE ENGINE, EMISSIONS OR EXHAUST SYSTEMS. I. IF YOUR ODOMETER HAS CEASED TO WORK AND REPAIRS HAVE NOT BEEN IMMEDIATELY MADE; THE ODOMETER HAS BEEN ALTERED IN ANY WAY SUBSEQUENT TO PURCHASE; OR IF VEHICLE S TRUE MILEAGE CANNOT BE DETERMINED. J. ANY LIABILITY FOR PROPERTY DAMAGE, OR FOR INJURY TO OR DEATH OF ANY PERSONS ARISING OUT OF THE OPERATION, MAINTENANCE OR USE OF YOUR VEHICLE, WHETHER OR NOT RELATED TO THE PARTS COVERED. LOSS OF TIME, PROFIT, INCONVENIENCE, OR ANY OTHER LOSS THAT RESULTS FROM A FAILURE (EXCEPT AS PROVIDED UNDER THE BENEFITS OR COVERAGES HEREIN.) K. REPAIRS TO SEIZED OR DAMAGED ENGINES DUE TO CONTINUED OPERATION WITHOUT SUFFICIENT LUBRICANTS OR COOLANT. YOU ARE RESPONSIBLE FOR MAKING CERTAIN THAT THE OIL AND TEMPERATURE WARNING LIGHTS/GAUGES ARE FUNCTIONING PROPERLY. YOU MUST PULL OFF THE ROAD IMMEDIATELY AND DISCONTINUE VEHICLE OPERATION WHEN EITHER OF THESE LIGHTS/GAUGES INDICATES INADEQUATE PROTECTION OR PERFORMANCE. L. SALVAGED TITLE VEHICLES; WHEN RESPONSIBILITY FOR A REPAIR IS COVERED BY AN INSURANCE POLICY; WARRANTY FROM THE MANUFACTURER INCLUDING EXTENDED DRIVE TRAIN, MAJOR COMPONENT OR FULL COVERAGE WARRANTIES; A REPAIRER S GUARANTEE/WARRANTY; OR FAILURES FOR WHICH THE MANUFACTURER HAS ANNOUNCED ITS RESPONSIBILITY THROUGH ANY MEANS, INCLUDING RECALL CAMPAIGNS AND FACTORY SERVICE BULLETINS. M. IF YOUR VEHICLE IS USED FOR TOWING A TRAILER OR OTHER OBJECT OR VEHICLE WITHOUT BEING EQUIPPED WITH A FACTORY INSTALLED OR AUTHORIZED TOW PACKAGE; OR IS USED FOR COMMERCIAL PURPOSES, INCLUDING, BUT NOT LIMITED TO, RENTAL, TAXI, LIMOUSINE, LIVERY OR SHUTTLE, TOWING OR ROAD REPAIR, CONSTRUCTION, FARMING OR AGRICULTURAL PURPOSES, JOB SITE ACTIVITIES, HAULING, POLICE OR EMERGENCY SERVICES, PRINCIPAL OFF ROAD USE, RACING, COMPETITIVE DRIVING, SNOW REMOVAL, ROUTE-WORK, SERVICE OR REPAIR. WD-904XC NSC 1/12 6

12 N. ANY FAILURE OCCURRING PRIOR TO THE CONTRACT PURCHASE DATE, OR IF INFORMATION PROVIDED BY YOU OR A REPAIR FACILITY CANNOT BE VERIFIED AS ACCURATE OR IS FOUND TO BE DECEPTIVELY INACCURATE. O. ANY FAILURE OCCURRING OUTSIDE OF THE UNITED STATES OF AMERICA (50 U.S. STATES AND THE DISTRICT OF COLUMBIA) OR CANADA. P. DAMAGE CAUSED BY PRE-IGNITION DETONATION, PINGING, IMPROPER/CONTAMINATED FUEL OR IMPROPER ENGINE ADJUSTMENTS. Q. ALL EXHAUST AND EMISSION COMPONENTS EXCEPT THOSE SPECIFICALLY LISTED UNDER THE OPTIONAL EMISSIONS COVERAGE SECTION OF THIS CONTRACT AND AS LONG AS THE OPTIONAL EMISSIONS COVERAGE HAS BEEN PURCHASED BY YOU AND ACCEPTED BY US. R. ANY PRE EXISTING CONDITIONS PRIOR TO CONTRACT PURCHASE DATE. WD-904XC NSC 1/12 7

13 Customer Information First Name MI Last Name KEVIN O'NEILL Address 244 CRYSTAL SPRINGS PL City State Zip Code HENDERSON NV Address Term- 5 Years Effective Date 5/22/2012 Vehicle Information New Titanium Protection Plan 24 Hour Roadside Assistance Windshield Repair Protection Paintless Dent Repair Tire and Wheel (Rim) Protection Used Year Make Model 2004 Dodge Stratus Vehicle Identification Number (VIN) 4B3AG52HX4E Dealer Name Warranty Direct Dealer Number Address Dealer Information Contract Number WD 9115 Harris Corners Pkwy Suite 350 City State Zip Code Charlotte NC Producer Code Number Size Lienholder: Retail Cost: Tire Information Windshield Repair, Emergency Roadside Assistance Tire, Wheel (Rim), and Paintless Dent Repair CLAIMS Producer Code # Plan "C" I/We have read this Agreement in its entirety and fully understand its content and acknowledge receipt of a copy thereof. I/We further understand that this Agreement is not required to order to purchase or obtain financing for the vehicle and that Our acceptance of the coverage under this Agreement is voluntary. THIS AGREEMENT MAY ONLY BE PURCHASED AT THE TIME OF VEHICLE PURCHASE. Make I/WE ACCEPT THIS AGREEMENT I/WE REJECT THIS AGREEMENT Customer Signature(s) Date Customer Signature(s) Date Dealer/Lender/Lessor Signature Title Date General Conditions = This Agreement is between the Agreement Holder (You, Your) and the Obligor (We, Us, Our). Covered vehicle as used throughout this Agreement means the automobile listed in the registration section above. = All of the benefits of Your Agreement are described herein and are applicable throughout the United States, Canada and Puerto Rico. = Coverage commences on the date and time that You sign this Agreement and continues for the number of years indicated above. = Eligible vehicles include current model year plus ten (10) years prior. = The Administrator makes every effort to provide service but there are instances where they have no vendor available in Your area. In such an instance, they reserve the right to make cash settlements in lieu of providing service. Such settlement will be based on market rates for like services in Your general geographic area. = Commercial vehicles are excluded from this program. = You may obtain a copy of Our company's privacy notice by sending a written request to the Obligor, Attention: Privacy Notice Department, at 800 Yamato Road, Suite 100, Boca Raton, FL This Is Not An Insurance Contract. This Is Not An Automobile Physical Damage or Automobile Liability Insurance Contract. NC TITANIUM LL 05/11 White Copy - Obligor Yellow Copy - Producer/Dealer Pink Copy - Customer 220/C

14 24-Hour Roadside Assistance When arranging for Roadside Assistance, please reference Your Producer Code and Contract Number (located on the front of this form). You will not be required to pay any additional fee or sum in addition to the Agreement fee when Your service is for a tow (of up to twenty five (25) miles) or other covered service listed below. You are entitled to one (1) free service within a seventy two (72) hour period. Covered services not obtained through Us are limited to a maximum reimbursement amount of fifty dollars ($50). Limit: No more than five (5) service calls within a twelve (12) month period. Towing - Up to twenty five (25) miles at no out of pocket expense to You. Additional mileage is available and will be negotiated prior to sending out a service vehicle. Additional mileage is to be paid by You directly to the service provider at the time of service. Emergency Road Service - Any available road service that is needed to get Your covered vehicle running (i.e. hose replacement, tightening of cables or belts etc.). You are responsible for the actual cost of parts and/or supplies needed. Essential Fluids or Supplies Delivery - Including gasoline, water, oil, or any supplies necessary to send Your covered vehicle on its way. You are responsible for the actual cost of fluid or supplies delivered. Flat Tire Changes or Repairs - Includes changing a flat tire with Your good spare. Emergency Battery Service - Includes tightening or cleaning of cables, jumpstarts, and minor adjustments to alternator. Lockout Services - We will send a locksmith if You are accidentally locked out of Your covered vehicle. Access to passenger compartment only. Custom Trip Routing Service: We will furnish You with detailed customized routings to get You where You want to go. Please request two (2) weeks prior to Your trip. Call toll free Windshield Repair Protection Covers the cost of repairs to the front windshield ONLY of minor chips and cracks caused by propelled rocks or other propelled road debris. There is no coverage for stress cracks, cracks over six (6) inches in length, or any damage wherein it is determined by the repair technician that the damage cannot be repaired. Weather related damage is NOT covered. You may call , Monday through Friday from 9 a.m. to 5 p.m. eastern time, prior to repair, and We will dispatch repair service at Our full cost and expense. Alternatively, You may schedule repair service with a repair facility of Your choosing, and We will reimburse You up to sixty dollars ($60) for the repairs upon presentation of an original paid invoice from a licensed company whose regular business includes glass repair. Under no circumstances will We pay for windshield replacement, even in the event that the damage was initially repairable. Limit: Five (5) claims during the term of this Agreement. Paintless Dent Repair Paintless Dent Repair (PDR) is a process, developed by automobile manufacturing production teams, that uses specialized hand tools to gently push the dented metal back to its original form. This permanently removes door dings and minor dents without harming a vehicle's factory finish. To access Your benefit call , Monday through Friday from 9 a.m. to 5 p.m. eastern time, to schedule Your appointment. Limit: Maximum of three (3) service calls during the term of this Agreement with a maximum of two (2) removals per service call. Maximum dent/ding size is two inch (2") diameter. Exclusions: We do not provide coverage for: Large or deep dents. Dents that are inaccessible due to the following: (a) the existence of after-market equipment, or (b) where such after-market equipment or the installation thereof has altered the original vehicle configuration, or (c) Edges where it is determined that the manufacturer's bracing does not allow for the PDR process; (d) Repairs to creased metal or any area where the paint is damaged; (e) Repairs to any dent or ding that, if repaired, could in any way damage the vehicle's paint or finish; (f) Weather related damage is NOT covered. Tire and Wheel Road Hazard Protection This Agreement provides for the repair or replacement of the covered vehicle's tires and wheels, which during the term of this Agreement become Unserviceable due to a Road Hazard, covered under this Agreement. Unserviceable means that the tire(s) has been punctured or otherwise damaged to the extent that it is unsafe, or that the wheel will no longer hold a seal with its tire. Tire and/or wheel damage that is cosmetic in nature and that does not render the tire and/or wheel Unserviceable is specifically excluded. A Road Hazard is a condition on a public roadway, which should not exist there, such as potholes, nails, glass, or other road debris. Flat Tires: You will be reimbursed for the reasonable costs You incur to repair a flat tire caused by a Road Hazard while operating the covered vehicle on public streets and in a legal manner. Tire Replacement: You will be reimbursed for the reasonable costs You incur to replace a tire, only if a tire covered by this Agreement becomes unrepairable due to damage caused by a Road Hazard. Replacement will be made with a tire of like kind and quality to the original tire. Wheels (Rims): You will be reimbursed for the repair or replacement of wheels rendered Unserviceable due to a Road Hazard covered under this Agreement. We reserve the right to have damaged wheels repaired at Our cost by a service provider of Our choosing. We further reserve the right to replace the damaged wheel at Our cost with a remanufactured wheel of like kind and quality to the wheel that was damaged by the covered Road Hazard. We will cover wheel replacement only in the event that the damaged wheel cannot be repaired. Mounting and Balancing: You will be reimbursed for the reasonable costs that You incur for mounting, balancing, valve stems, and tire disposal for any tire replaced under this Agreement. However, charges for pressure sensing devices and unspecified charges for shop supplies are excluded Taxes: You will be reimbursed for the cost of local and state taxes, as directed by state agencies for any tire or wheel replaced under this Agreement. Limits of Coverage (4-6 Wheel Automobiles and Light Trucks): Maximum Aggregate coverage provided for either tire or wheel replacement on this Agreement will be the amount per each item as stated below times the number of tires on the covered vehicle (i.e. Automobile: $250 per tire x 4 tires = $1,000). Flat Tire Coverage: Limited to a maximum of up to thirty dollars ($30) per occurrence. Tire Replacement: Limited to a maximum of up to two hundred fifty dollars ($250) per tire. Wheel (Rims) Coverage: Limited to a maximum of four hundred dollars ($400) per wheel. Agreement Holder Responsibility: You must maintain proper air pressure in all covered tires. Tires should be checked monthly for proper pressure, signs of dry rot, improper wear, and tread depth less than 3/32". Any conditions that cannot be corrected demands replacement for the safety of the vehicles occupants. Replaced tires are covered for the time remaining on the Agreement. CLAIMS PROCEDURES:Any tires which require replacement, and wheels which require repair or replacement under the terms of this Agreement, MUST BE AUTHORIZED BY OUR ADMINISTRATOR and be made available for inspection PRIOR to repair or replacement. For authorization and instructions, please call Our Administrator, NIU of Florida, Inc., at Monday through Friday from 9 a.m. to 8 p.m. eastern time. A proof of loss form will be provided which You must complete and return to NIU of Florida, Inc. at 800 Yamato Road, Suite 100, Boca Raton, FL within thirty (30) days along with the following documentation: (a) Front and back copy of this Agreement; (b) Original replacement or repair invoice which must reflect: the tread depth of the damaged tire, whether or not the damaged tire or wheel was repairable (and if not, why not) and whether or not the damage was due to a manufacturer's defect; and (c) Any other information that the Administrator may reasonably request. In the event that the tire and/or wheel damage occurs after regular business hours, or on a weekend, You must obtain instructions and a proof of loss form online at All after hours instructions must be followed in order to receive reimbursement. Please note that all of the Administrator's rights under this Agreement are hereby reserved. Damaged tires and/or wheels must be preserved for inspection by the Administrator, and they reserve the right to deny any claim wherein the damaged tires and/or wheels are disposed of prior to their inspection. General Conditions Continued Exclusions: This Agreement does not cover: 1) Any damage that occurs outside the United States, Canada or Puerto Rico; 2) Any damage resulting from off-road use, racing, collision with a curb, median or another vehicle, chain damage, misuse, abuse, lack of proper maintenance, misalignment, suspension problems, use on a construction site or on roads not regularly maintained, vandalism or malicious mischief, theft, fire, or any loss covered by primary physical damage insurance; 3) Damage caused by driving on tires that are improperly inflated; 4) Any damage to tires and/or wheels transferred from another vehicle subsequent to the effective date of this Agreement; 5) Any damage to tires and/or wheels that are mounted on vehicles other than private passenger cars and light duty trucks; 6) Any damage that is covered by any other Agreement, including warranties issued by the manufacturer; 7) Any damage that is the result of a manufacturer defect; 8) Replacement wherein the manufacturer, by public announcement of a recall, established its responsibility to replace tires or wheels; 9) Any loss where You or any person on Your behalf falsely swears or commits any fraudulent act with respect to any claim (not applicable to residents of Kansas); 10) Any wheel repair or replacement, or any tire replacement that is not pre-authorized; 11) Commercial vehicles; 12) Any loss that is not reported to the Administrator with in sixty (60) days from the date the damage occurs; 13) Any damage to tires with tread depth of 3/32" or less at the lowest point on the tire. Arbitration: In the event You and the Administrator fail to agree to the amount of a covered loss, or coverage is provided under this Agreement, each party shall agree to submit the dispute to a binding arbitration. In such an event, the parties agree to share equally in the costs of the arbitration. Residents of Kansas: Arbitration is not applicable. Cancellation: The Administrator reserves the right to cancel this Agreement at any time by refunding the original purchase price to the Agreement Holder. You may cancel this Agreement within thirty (30) days for a full refund of the amount paid or after thirty (30) days for a pro-rata refund of the amount originally paid for the Agreement less a cancellation fee of twenty five dollars ($25) and the amount of claims already paid during Your Agreement term. All cancellation requests must be signed by the Agreement Holder and submitted, in writing, to the Administrator at the address listed below. Transfer: This Agreement may be transferred by You to a subsequent private purchaser of the covered vehicle for the remainder of the original term (dealers excluded). This Agreement is not transferable to another vehicle. To transfer this Membership to another owner, You must call to obtain a transfer form and submit the following, to the Administrator, within thirty (30) days from the date of sale: 1) A letter containing the name and address of the new owner, and Your authorization to transfer; 2) A copy of the bill of sale or other evidence showing the change in ownership; and 3) A check or money order for fifty dollars ($50) payable to the Administrator for the transfer fee. Obligor: Nation Motor Club, Inc. dba Nation Safe Drivers 800 Yamato Road, Suite 100 Boca Raton, FL Administrator: NIU of Florida, Inc. 800 Yamato Road, Suite 100 Boca Raton, FL

15 Nation Motor Club, Inc. 800 Yamato Road, Suite 100, Boca Raton, FL 33431, MOTOR CLUB with Member Number KEY/REMOTE REPLACEMENT PLAN WD REGISTERED OWNER (CONSUMER) AUTHORIZED DEALER (SELLER) Code KEVIN O'NEILL Warranty Direct Address Address 244 CRYSTAL SPRINGS PL 9115 Harris Corners Pkwy Suite 350 City State Zip City State Zip HENDERSON NV Charlotte NC Home Phone Bus. Phone Phone Contact (800) Year Make Model VIN # Mileage/Hours 2004 Dodge Stratus 4B3AG52HX4E ,100 EFFECTIVE DATE PRODUCER CODE LENDER/LESSOR 5/22/ YEAR 2 YEAR 3 YEAR 4 YEAR 5 YEAR X Address RETAIL COST Vehicle Price City State $ $ Number of Keys/Remotes at Time of Vehicle Delivery Plan 1 X Plan 2 We have read this Membership in its entirety and fully understand its content and acknowledge receipt of a copy thereof. I further understand that this Membership is not required in order to purchase or obtain financing for the vehicle and that my acceptance of the coverage under this Membership is voluntary. Additionally, I certify that I have received two (2) sets of keys at the time of purchase. I ACCEPT THIS PROTECTION I REJECT THIS PROTECTION Consumer Signature (s) Date Consumer Signature (s) Date Dealer/Lender/Lessor Title Date THIS IS NOT AN INSURANCE CONTRACT BENEFITS Key Replacement: In the event Your key/remote is lost, stolen or destroyed We will pay for a replacement key/remote for an amount not to exceed, four hundred dollars ($400) per year for Plan I or eight hundred dollars ($800) per year for Plan 2. IMPORTANT NOTE: FOR THE SAFETY AND SECURITY OF THE VEHICLE OWNER, ALL KEYS AND/OR REMOTES THAT ARE REPORTED LOST, STOLEN OR DESTROYED MUST BE DEPROGRAMMED BY THE APPROPRIATE FRANCHISE DEALER PRIOR TO REPLACEMENT. Lockout Services: If Your ignition key is accidentally locked inside Your covered vehicle, We will assist You in gaining entry to Your covered vehicle. Access to passenger compartment only. Emergency Road Service: Mechanical First Aid: Any service requiring a minor adjustment (exclusive of parts) to enable Your covered vehicle to proceed under its own power. Tire Service: Changing an inflated spare tire from mount to wheel. Battery Service: Attempting to start Your covered vehicle with a booster battery. Delivery Service: Delivery of an emergency supply of gasoline, oil, water or other accessories and/or supplies as may be required and available. You are responsible for the cost of materials delivered. Emergency Roadside Assistance: Your twenty four (24) hour emergency roadside assistance is active immediately. When calling for roadside assistance, You will be required to give the dispatch representative Your Producer Code, Member Number and Your Plan Letter, "A." You are entitled to one (1) roadside service within a seventy two (72) hour period. If for any reason roadside services cannot be obtained by calling the toll-free number ( ) You may qualify for reimbursement of Your receipted towing expenses. For reimbursement consideration send Your original paid receipts, as soon as possible, to Nation Motor Club c/o National Adjustment Bureau (NAB) at 800 Yamato Road, Suite 100, Boca Raton, FL Qualifying submissions will be reimbursed up to the maximum amount of seventy five dollars ($75). Custom Trip Routing: Your Membership includes customized trip routing. To receive a specially prepared map outlining Your travel route call customer service tollfree at Please allow up to two (2) weeks for mail delivery. Rental Car Discounts: You may access car rental discounts for: ALAMO ( ID# 93625); THRIFTY ( ID# ); AVIS ( ID# A619900); BUDGET ( ID# T784918); and DOLLAR ( ID# NS6009) NSD KEY REPLACEMENT 07/09 White - Company, Yellow - Dealer, Pink- Member 249