Freedom Drive. Registration Page. Model. Make XXX Vehicle Purchase Date. Middle Name XXX. State XXX. City XXX

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1 Freedom Warranty of America, LLC 117 Lee Parkway, Suite 103 Chattanooga, TN Main Freedom Drive Registration Page Account Number Section 1 - Vehicle Information Year Vehicle Identification Number (VIN) Make Vehicle Purchase Date Model Vehicle Purchase Price $ Optional Equipment - Features (Must Be Identified At Time Of Purchase For Coverge To Apply) Class A Current Mileage New Used 4X4 And All Wheel Drive Drive Turbo/Supercharger Diesel/Turbo Diesel Section 2 - Customer Information Last Name First Name Middle Name Phone Address City State Zip Address Section 3 - Dealer Information Name Phone Address City State Zip Section 4 - Lien Holder Information (Lender) Name DUPAGE CREDIT UNION Address PO BOX 3930 City NAPERVILLE State IL Zip Coverage Level: Freedom Drive (You Must Select One Only) Deductible - Per Component SECTION 5 - CONTRACT INFORMATION $0 $50 $100 REQUIRES A 0 DAY / 0 MILE WAITING PERIOD. CONVERTIBLE TOP ENHANCED LABOR RATE TERM SELECTED: MONTHS OR MILES, WHICHEVER OCCURS FIRST COMMERCIAL VEHICLE USE ENTERTAINMENT PACKAGE SENSORS UPGRADE CONTRACT PURCHASE PRICE: $ CONTRACT PURCHASE DATE: UNLIMITED MILEAGE SEALS AND GASKETS SUSPENSION UPGRADE COVERAGE STARTING MILEAGE: COVERAGE START DATE: The following is applicable if your Freedom Drive Coverage has a Waiting Period as indicated above. Coverage begins 30 (Thirty) Days from the Contract Purchase Date as indicated by the "Coverage Start Date" and 1,000 (One Thousand) Miles from the Current Mileage as indicated by the "Coverage Starting Mileage", Whichever occurs Later. Your Contract Expires When The Number Of Months Stated In "Term" Above Passes Or When The Number Of Miles Stated In "Miles" Above Passes, Whichever occurs First. The 30 Days And The 1,000 Miles Will Be Added To The End Of Your Contract. Contract Provider Freedom Warranty Of America, LLC I hereby declare that the above information is correct and that I have read and understand the information below. (Customer Signature) The Contract that You are purchasing is between You and the Contract Provider. You will be notified by the Selling Dealer and/or the Administrator if the Contract is ineligible for coverage. You (the undersigned) have reviewed the terms of this Contract and understand the coverage, exclusions and maintenance requirements. This Contract is based on information You provided on this Registration Page. Authorization Is Required From The Administrator Prior To The Repair Of Covered Component. The obligations of the Provider under this Contract are backed by the full faith and credit of the Provider. The purchase of this Contract is not required either to purchase or obtain financing for a motor vehicle. Important: See Section 14: State-Specific Disclosures for guidelines and regulations where this Contract was sold. Customer Signature (Your) Purchase Date Selling Dealer Representative - Signature NO CLAIMS WILL BE PAID WITHOUT THE PRIOR AUTHORIZATION FROM FREEDOM WARRANTY OF AMERICA, LLC FWDR /11

2 SECTION 1: Definitions: Administrator:The company appointed by the SERVICE CONTRACT PROVIDER to administer this CONTRACT. Freedom Warranty of America LLC, is the ADMINISTRATOR as well as the SERVICE CONTRACT PROVIDER. It is imperative that You contact Freedom Warranty of America, LLC BEFORE You have Your car repaired. FREEDOM WARRANTY's authorization for covered parts and other contractual benefits is required before those services are rendered. Commercial Vehicle Use: means any passenger cars, trucks and vans (up to one (1) ton cargo capacity) used for the business purpose of livery, farming or ranching, pushing, pulling or hauling material of any kind, route work, job site activities, inspections, examinations, maintenance, service or repair work, gardening and lawn care, and carrying personal job tools to a job site or has been issued commercial plates in the state in which it is titled, or advertises a commercial enterprise with signage on said Vehicle. Usage must not exceed manufacturer s ratings and/or limitations. Any other uses for commercial purposes, including but not limited to, rental, taxi, limousine or shuttle, delivery, towing or road repair operations, vehicles used for snow removal, security services, cable or line installation or removal, police or other law enforcement services, emergency services, construction, or any vehicles used for competitive driving, are not included in this definition. Contract: Contract means this Contract which You have purchased from Us to protect Your Vehicle, and which includes the completed Registration Page. NOTE: THIS IS NOT AN INSURANCE POLICY. Contract Holder:You, the person listed in Section #2 of this Contract or the person to whom this Contract was properly transferred. You, the owner of the Contract. Coverage: Applies to the type of Contract You have selected and the components of Your vehicle that are or are not covered as described in SECTION 2. Covered Part/Component: means the mechanical and electrical parts and components described under Section 2 What is Covered and What is Not Covered.as contained in this Contract, that are original manufacturer's parts on Your Vehicle at the time of its purchase. Deductible: The amount You must pay per claim per covered component and/or covered repair under this Contract as stated on the Registration Page. Failure: See "Mechanical Breakdown" below. MECHANICAL BREAKDOWN, MECHANICAL FAILURE, BREAKDOWN or FAILURE: Refers to a failure due to defects in materials and/or workmanship of a Covered Part to perform the function for which it was designed by its manufacturer. A Breakdown does not include sludging or gelling conditions. Furthermore, a Breakdown does not include any failures to Your Vehicle if the manufacturer has announced or accepted its responsibility through any means including public recalls, factory service bulletins or TSBs, or warranty extensions. See also required maintenance as described in SECTION 4 of this contract entitled "Required Maintenance". Normal Wear and Tear or Wear and Tear: Refers to damage or deterioration of the Vehicle sustained through, or attributable to, routine and ordinary use or operation. Wear and Tear also includes the inability of such covered part(s) or component(s) to perform or function as designed and failure occurs beyond or outside the performance tolerance or life expectancy standards established by the manufacturer. Provider/Service Contract Provider: Freedom Warranty of America, LLC, ( Freedom Warranty ). 117 Lee Parkway, Suite 103; Chattanooga, TN 37421; Registration Page: The first page of this contract that contains Your personal information, the coverage selected, the dealership, the lending institution and the vehicle information as provided by You and the dealer. Repair Facility: A place that is licensed to repair vehicles and is capable of repairing or replacing a "covered part" or a place that the "Administrator" has approved to repair Your vehicle as it applies to this Contract". Term: The time and mileage of your Contract. The time portion of your Contract is described in months. Unless specifically stated otherwise, the mileage portion of your Contract is additional miles. Your Contract expires when the number of months passes or the number of additional miles passes, whichever occurs first. Vehicle: This contract only applies to the vehicle listed on this "Registration Page". Waiting Period: Defined as the number of days, if any after the Contract Purchase Date as defined on the Registration Page of this contract and the number of miles more, if any, than what You and/or the dealer stated and is recorded on the Registration Page of this contract. We, Us, Our: Freedom Warranty of America, LLC You, Your: The contract purchaser as he or she or both is listed on the "Registration Page" of this "contract". SECTION 2: What is Covered and What is Not Covered We will repair, replace or reimburse You reasonable costs of parts and/or labor, subject to the Limits of Liability described in Section 3 Limits of Liability and as further outlined in Section 7 Claims Procedure, any of the covered components/parts under this Contract, if required due to Mechanical Breakdown. Replacement component/parts will be new or remanufactured as originally equipped by the manufacturer or of like kind and quality when available. Payment is subject to the deductible stated on the Registration Page. If the component, part, or description is not listed below it is NOT a covered part or component. 1. ENGINE (Gas or Diesel): The following internally lubricated parts: pistons, pins and rings, connecting rods and bearings, crankshaft and main bearings, push rods, valves, springs, replaceable guides, replaceable seals and lifters, rocker arms, shafts and bushings, timing gear, guides, chain, tensioners and retainers, eccentric shaft, oil pump, intake manifolds, cylinder head gaskets, engine mounts and cushions, engine torque strut, harmonic balancer, flywheel (flexplate) and flywheel ring gear, all pulleys. Engine blocks and cylinder heads are also covered if Mechanical Breakdown was caused by an internally lubricated part or a part covered under this contract. All lubricated internal parts of the vehicle manufacturer installed turbo-charger or super charger if selected on the Registration Page of this policy. 2. TRANSMISSION (Automatic & Standard): All internally lubricated parts (parts that require lubrication to function), torque converter, and vacuum modulator. Also included: computer modules and solenoids, transmission mounts and internal linkage. Transmission cases are also covered if Mechanical Breakdown was caused by an internally lubricated part or a part covered under this contract. FWDR /11

3 3. TRANSFER CASE (4 x 4 or All Wheel Drive): All internally lubricated parts (parts that require lubrication to function) within the Transfer Unit including: bearings, bushings, sprockets, chains, sleeves, and gears. Transfer cases are also covered if Mechanical Breakdown was caused by an internally lubricated part of a part covered under this contract. Transfer Units are only covered if selected on the Registration Page of this policy. 4. DRIVE AXLE (Front and Rear Wheel Drive): All internally lubricated parts contained within the housing: axle shafts, constant velocity joints (CV joints unless boot is damaged or missing),universal joints, flexible joints, drive shafts, locking hubs, locking rings, supports, retainer and bearings. Differential housings, final drive housings, and trans axle housings are also covered if Mechanical Breakdown was caused by an internally lubricated part or a part covered under this contract. 5. COOLING: Radiator, fan, fan clutch, and water pump. 6. AIR CONDITIONING: Compressor, condenser, clutch pulley, clutch coils, evaporator core, accumulator, receiver/dryer, orifice, expansion valve, serpentine belt tensioner, temperature control unit, blower motor, air door actuators and motors. 7. ELECTRICAL: Alternator, voltage regulator, starter motor, starter solenoid, ignition switch and locking mechanism unless unavailable separately and/or only available as part of steering column, front and rear wiper motors, headlamp switch, turn signal switch, cruise control transducer, washer pump and switch, rear defogger switch, heater/ac blower switch, electric seat motors, electric window motors, power antenna motors, power door lock actuator, window regulators, and wiring harnesses for listed covered components only. 8. FUEL SYSTEM: Fuel delivery pump, fuel injection pump (except on diesels), and metal fuel delivery lines. 9. BRAKES: Master cylinder, power assist booster, vacuum assist booster pump, wheel cylinders, combination valves, disc calipers, self-adjusters and actuators. 10. POWER STEERING: All internally lubricated parts within the steering gear housing including power steering pump, main and intermediate shafts, couplings, pitman arm, idler arm, tie rod ends and center link. The steering gear housing is covered if the damage is caused by the failure of an internally lubricated part. 11. SUSPENSION: Upper and lower control radius, thrust and trailing arms, shafts, upper and lower ball joints, steering knuckles, stabilizer shaft, linkage, track bar, kingpin, spindle and spindle supports, torsion bars, coil and leaf springs, and wheel bearings. 12. SEALS AND GASKETS: Seals and Gaskets are covered if the Coverage Starting Mileage, as indicated on the Registration Page, is less than 75,000 miles. If the Coverage Starting Mileage is between 75,000 and 125,000 miles then seals, sealing boots (unless ripped or torn), and gaskets are only covered if seals and gaskets coverage has been separately purchased. If the Coverage Starting Mileage is greater than 125,000 miles, the vehicle is ineligible for seals and gaskets coverage. Seals and Gaskets are covered in conjunction with a covered repair. Minor to Moderate loss of fluid or seepage is not considered to have a mechanical impact on the vehicle and is therefore NOT considered a mechanical breakdown and thus is NOT covered. Alternator Bracket gasket, Exhaust Manifold gaskets or gaskets of any kind related to the exhaust system or emissions are NOT covered. Seals and Gaskets Coverage pertains to Covered Components only. In addition, the following are NOT covered: 1. Paint, ripped or damaged or worn upholstery, broken glass or glass or any kind, frame damage, body damage, carpeting, fading or cracked dash, clouded or foggy headlights, tail lights, light bulbs, lighting or lenses of any kind or bulbs of any kind, moldings, interior or exterior trim items, fiberglass top, vinyl or fabric tops, metal, sheet metal, bumpers, ornaments, plastic, body panels and components, trim, weather stripping, ducting or tubing, buttons, handles, door hinges, tires, wheels, or wheel covers, seat belts and retractors, airbags, or any other type of additional restraint system or component, air bags and/or air bladders of any kind, clock, keyless lock system, keyless entry pad or transmitter, alarms, remote starters, convertible top mechanisms, electronics not original to vehicle, electronic or digital instrument clusters and/or gauges, electric steering components, adjustable steering columns, 4 wheel steering components, ignition switches and/or locking mechanisms if not available separately and/or only available as a component of the steering column, sunroofs not original to vehicle, GPS, GPS components, radio, CD player, cassette player, speakers, Bluetooth, phones, TV s, LED screens, all audio products, computer controlled adjustable height/ride dampening systems (air or hydraulic), lift kits, catalytic converters, mufflers, headers, exhaust manifolds, exhaust manifold gaskets, tail pipes, the exhaust system in general, any component related to the exhaust, any emissions related component, batteries, hoses, belts, fluids, gases, shop supplies, taxes, welds, winches, shocks, spark plugs, spark plug wires, glow plugs, fuel injectors, ignition coils, cam sensors, sensors of any kind, bushings, struts, brake pads, rotors, brake drums, brake shoes, brake caliper slides and brackets, mounts, the following parts of a manual/hydraulic clutch assembly or semiautomatic transmission: pressure plates, shaft, flywheel, throw out bearing, friction discs, snap ring, thrust washer, manual and hydraulic linages, loose or missing bolts and/or fasteners and/or damages caused by loose or missing bolts and/or fasteners, parts or components that are operating at a minimum of 50% of their capacity or part or component has reached 100% of its factory recommended specifications or a part or component has reached its normal life expectancy. 2. Regular maintenance of Your vehicle as it applies to but not limited to, oil changes, other fluid changes and or flushes, tune ups, calibrations and/or recalibrations, software and/or software updates, wheel alignments and wheel balancing, carburetor adjustments, engine adjustments, fuel system cleaning, chassis lubrication, any routine maintenance of vehicle in general. 3. Any damage caused by accident, theft, fire, explosion, terrorism, or act of nature whether cosmetic or mechanical. 4. Mechanical failure caused by the breakdown or contamination of fluid or lubricant. Any vehicle that has or had the presence of sludge. 5. Mechanical failure caused by the neglect, abuse, inappropriate use, lack of maintenance, substandard maintenance or repair, low or excessive fluid levels, coolant levels, and lubrication levels, sludge, rust, corrosion, acid, dirt, water, chemicals, foreign object or road hazard. Mechanical failure caused by, related to, or contributing to aftermarket modifications and/or alterations. 6. Hybrid batteries and/or issues related to charging or powering the cell. No issues relating to the Hybrid Battery/Cell. 7. Commercial vehicles, unless the Commercial Vehicle Use Optional Coverage is purchased and indicated on the Registration Page. Under no circumstances is a vehicle covered if it is or ever was primarily used for construction, towing, plowing or public service. 8. Any pre-existing conditions. Any part or component that is or has been under manufacturer s recall or any part or component that is or has been included in a Class Action Law Suit. Any part that is not original to the vehicle from the manufacturer at the time of purchase by You. Rebuilt, remanufactured, or replacement parts that were added to the vehicle prior to purchase by You. Failures to Your Vehicle if the manufacturer has announced or accepted its responsibility through any means including public recalls, factory service bulletins, service campaigns, warranty extensions. or TSB s that specifically include the manufacturer recognizing the mechanical failure. FWDR /11

4 9. Mechanical failure caused by continued use of defective vehicle or mechanical failure caused by overheating. Please make sure the gauges and/or warning lights work properly at the time of purchase of vehicle and/or VSC to prevent mechanical breakdown caused by continued use or overheating. Improperly moving your vehicle from one repair facility to another constitutes continued use. 10. Except as otherwise provided for in this Contract, incidental or consequential losses or damages including, but not limited to, property damage, loss of use of the described vehicle, loss of time or wages, inconvenience, commercial loss, lodging and meals or for the breach of any express or implied warranty arising by operation of law, are not covered. 11. Any damage or mechanical failure caused by or stemming from a non-covered component. Any and all subsequent damage caused by the mechanical failure of a covered component. 12. Mechanical failure and/or repairs involving excessive oil consumption and/or loss of compression due to worn, burnt, carbonated, and/or collapsed pistons rings and/or valve components. Mechanical failure and/or repairs related to fluid intermix. SECTION 3: Limits of Liability The aggregate total paid on this contract will not exceed the actual cash value (ACV) of the Vehicle as determined by NADA retail value based on the vehicle condition at the time of claim or $20,000 (twenty thousand dollars) whichever is less. The maximum limit of liability for controlled adjustable height/ride dampening, shocks, and/or struts is $2500 (two thousand five hundred dollars). Suspension failure due to time and/or miles is not covered. The maximum limit of liability for sensors is $ (one thousand dollars). On Rebuilt and Salvaged Vehicles excluding branded titles involving fire, flood, junk, electrical, or lemon as listed in SECTION 6: Ineligible Vehicles, the aggregate total paid on this contract will not exceed the actual cash value (ACV) of the Vehicle as determined by NADA retail value based on the vehicle condition at the time of claim or $10,000 (ten thousand dollars) whichever is less. SECTION 4: Your Responsibilities for Required Maintenance 1. Oil Change: You are responsible to have the oil and oil filter changed by a licensed Repair Facility within 30 days from the purchase of this contract. We recommend You change Your oil and oil filter immediately after purchase of vehicle. Mechanical failure before required initial oil change, may delay or void Your claim. It is Your responsibility to follow manufacturer s specifications and maintenance schedule. Unless otherwise stated in Your vehicle s recommended maintenance schedule, You must change Your oil every 3 months or 3,000 miles (whichever comes first) if using conventional oil, every 6 months or 5,000 miles (whichever comes first) if using synthetic blend oil, and every 12 months or 10,000 miles (whichever comes first) if using full synthetic oil. Save all receipts for proof of maintenance. All receipts must come from a licensed repair facility and must be computer-generated. If the repair facility is unable to provide a computer-generated receipt, you must call Us the day of the oil change and provide Us with details. We, in turn, will provide You with instructions and options on how to forward Us the handwritten receipt. If We are closed, please leave a message and We will call You back the next business day. 2. Maintain Your vehicle as recommended in Your vehicle s owner manual and follow the maintenance schedule. 3. Use fluids, filters, lubricants, and coolants recommended by Your vehicle s manufacturer. 4. Keep all receipts. You may be asked to provide documentation at the time of a claim. 5. Make certain Your odometer functions properly. A faulty or non-working odometer will void this Contract. PROOF OF MAINTENANCE It is required that You retain Proof of maintenance for the service and/or repair work on Your Vehicle, regardless if work was performed by You or a repair facility. Proof means repair orders from a Licensed Repair Facility and/or the self-maintained log that has corresponding purchase receipts for oil, oil filter, coolant, etc. The self-maintained log without corresponding purchase receipts is not acceptable proof of maintenance. Repair orders must be readable and understandable with customer complaint and repair diagnosis, parts, labor hours, vehicle identification number, date, vehicle mileage, Your name and signature, repair facility name, address and phone number, repair totals, and method of payment to satisfy the repair order. SECTION 5: Eligibility 1. Vehicles up to 15 years old at the time of purchase of this Contract. 2. Vehicle must not have over 150,000 miles on the odometer at the time of purchase of this Contract. 3. We reserve the right to have the vehicle inspected within 30 days of purchase of this Contract to determine eligibility. SECTION 6: Ineligible Vehicles 1. Vehicles used for public service. (Police Car, Taxi, Ambulance, etc.) 2. Commercial or Personal Vehicles primarily used for towing or plowing. 3. Commercial or Personal Vehicles used primarily for construction. 4. Vehicles with more than 8 cylinders unless the Class of your vehicle is listed as X on the Registration Page of this Contract. 5. Vehicles with branded titles. (Fire, Flood, Junk, Electrical, Lemon) If we determine that the Vehicle is ineligible as stated above, and if no claim has been made or paid, we may cancel the Contract and will refund 100% of the Contract Price to You. SECTION 7: Claims Procedure 1. Upon mechanical breakdown, contact Us immediately at during the hours of 9:00 a.m. and 5:00 p.m. EST. In the event the office is closed or for Emergency Repairs during non-business hours, leave a message and if You so choose, have Your vehicle towed to the nearest repair facility or a facility of Your choice. Please provide your name, contact number, description of the problem, current mileage, and your phone number to reached the next business day. We will return Your call immediately the next business day. 2. Once the vehicle is at the repair facility, have the repair facility call Us at the number above to obtain the necessary authorization to begin work on the Vehicle. Make sure that neither You nor the repair facility start work on the vehicle without prior authorization. Work started before the proper authorization will delay Your claim or void Your claim. 3. Once authorization has been granted, the repair facility will perform diagnostics. Should the problem with the vehicle be covered under this Contract, We will cover all applicable diagnostic charges. In the event the mechanical breakdown was caused for a reason not covered under this Contract, You will be responsible for all applicable charges owed the repair facility. We will not cover misdiagnosis or repairs done for process of elimination purposes to reach correct diagnosis. FWDR /11

5 4. After We have approved the repair, We will call the repair facility and issue an approval code. We will base Our approval and the amount of the approval on the following criteria: a. Parts: We reserve the right to use parts in OEM, reproduction, remanufactured, rebuilt form, or parts of like kind and quality. It is necessary that the repair facility hold on to the replaced parts until the claim is paid in full. In some cases, we may request visual inspection of the old parts for quality control purposes. We will pay up to $69.95 for Wheel Alignments in conjunction with covered repairs. b. Labor: Labor costs will be determined using Mitchell 1. This labor guide is used by mechanics nationwide. We pay an hourly labor rate of $85.00 per hour. Any amount over that rate is the responsibility of the Contract Holder. We will pay an hourly labor rate of up to $ per hour for Class E or Class X vehicles. The Class of your vehicle is listed on the registration page of this Contract. 5. Major Claims: We may send out an inspector. We reserve the right to send out an inspector for any claim. The inspectors are third party ASE certified mechanics and are sometimes necessary to document the claim. If tear down is required, we will cover the cost of tear down should the claim be approved. We will not cover the cost of tear down should the claim be denied. If an engine needs to be rebuilt, we reserve the right to send the engine to a machine shop of our choice if we deem necessary. 6. Start of Repair Work: Once all the above information has been compiled, our claims adjuster will then review the information and determine an amount to authorize for the repair. The amount will be broken down between parts and labor. The claims adjuster will then notify the repair facility and issue an approval number along with the amount broken down accordingly. 7. Completion of Work: Once the work has been completed, we will request that the repair facility send us a copy of the final itemized bill. In addition, we must make contact with You before the claim is paid to ensure that You are satisfied with the repair and the quality of workmanship as well as verify completion of the repair. Please note these calls may be recorded for quality control purposes. After the above mentioned steps have been completed, we will pay the repair facility the agreed upon amount via Visa, Master Card, or check depending on what form of payment the repair facility chooses. 8. When a claim is paid, You are required to pay the deductible chosen by You and specified on the Registration Page of this Contract. The deductible applies to each mechanical failure. SECTION 8: Existing Warranties In the event that Your vehicle is still covered under the manufacturer s warranty, or comes with any pre-existing warranties on parts that may have been installed including the engine but not limited to the engine, those warranties will supersede this Contract and no claim amount will be paid until the pre-existing warranties have been exhausted. If the pre-existing warranties are limited, we will pay the portion not honored by the pre-existing warranties. SECTION 9: Transfer of Contract Upon the sale of the vehicle by the original Contract Holder (You) to another private party, the Contract is transferable for a fee of up to $100( one hundred dollars) depending on which state the Contract is being transferred to. The Contract is only transferable one time and may not be transferred if the new Contract Holder sells the vehicle or registers the vehicle in another party s name. To transfer this Contract please call us at (877) and upon gathering the new information and processing the transfer fee, we will then mail out a letter to the new Contract owner authorizing the transfer and the amount of time and mileage remaining on the Contract along with a copy of the original Contract with the new Contract Holder s name. SECTION 10: Cancellation 1. You may cancel this Contract at any time for any reason. If this Contract is cancelled within the first 30 days of the Contract s Purchase Date, We will refund 100% of the Contract Purchase Price to You, if no claims have been paid under this Contract. If You cancel this Contract 31 days or more from the Contract s Purchase Date, or if within the first 30 days and We have paid a claim, a pro rata refund will be made to You, less any claims paid and less a Fifty Dollar ($50) cancellation fee. Please Contact Us at for information regarding procedures to cancel this Contract. 2. We may cancel this Contract for any one of the following reasons only: a. If there has been fraud or material misrepresentation relative to this contract or a claim; b. A substantial breach of Your duties relative to this Contract; or c. If there has been non-payment of the Contract Purchase Price by You or the Dealer; d. The Vehicle is determined to be ineligible pursuant to Section 6 Ineligible Vehicles e. An odometer discrepancy of any kind has been discovered. 3. If We cancel this Contract, written notice of such cancellation will be mailed to You at the last known address provided to Us by You within five (5) days of the date of cancellation and will state the effective date and the reason for cancellation. A pro rata refund will be made based upon either elapsed time or mileage, except in the event of an ineligible Vehicle determination made within the first 30 days of this Contract, in which case a 100% refund will be made. All refunds will be paid to the Lien Holder as shown on the Registration page, if any, otherwise to You or the party that paid for your contract on your behalf. SECTION 11: Optional Coverages In the event of a Mechanical Breakdown, the following are Optional Coverages or components that are provided or covered under this Contract if they were purchased and indicated on the Registration Page. If no Optional Coverages are purchased or indicated on the Registration page, none of the following are available under this Contract. 1. Convertible Top: Convertible Top mechanisms (Electronic or Hydraulic). No manual mechanisms, hydraulic lines, or fluids. 2. Entertainment Package: GPS, GPS components, radio, CD player, cassette player, speakers, Bluetooth, phones, TV s, LED screens, amplifiers, subwoofer, and all other audio or videoproducts that are installed by the Factory or a Factory-authorized Dealer. 3. Enhanced Labor Rate: We will pay an hourly labor rate of up to $ per hour for A, B, C, and D Class vehicles. Any amount over that rate is the responsibility of the Contract Holder. We will pay an hourly labor rate of up to $ per hour for Class E or Class X vehicles. The Class of your vehicle is listed on the registration page of this Contract. 4. Unlimited Mileage: Only the term in months of your contract as described on the Registration Page applies. The term in mileage is not applicable and the vehicle can travel an undetermined amount of miles in the time period indicated on the Registration Page. 5. Commercial Vehicle Use: Any passenger cars, trucks and vans (up to one (1) ton cargo capacity) used for the business purpose of livery, farming or ranching, pushing, pulling or hauling material of any kind, route work, job site activities, inspections, examinations, maintenance, service or repair FWDR /11

6 work, gardening and lawn care, and carrying personal job tools to a job site or has been issued commercial plates in the state in which it is titled, or advertises a commercial enterprise with signage on said Vehicle. Usage must not exceed manufacturer s ratings and/or limitations. Any other uses forcommercial purposes, including but not limited to, rental, taxi, limousine or shuttle, delivery, towing or road repair operations, vehicles used for snow removal, security services, cable or line installation or removal, police or other law enforcement services, emergency services, construction, or any vehicles used for competitive driving, are not included in this definition. Vehicles used for rideshare are not considered commercial vehicles. 6. Seals and Gaskets:Covers seals and gaskets on covered parts for Vehicles that have between 75,000 and 125,000 miles on the odometer upon the issuance of this Contract. A minor loss of fluid or an insignificant amount of leakage are not considered mechanical failures and are Not Covered. 7. Sensor Upgrade: Sensor coverage is available on vehicles with up to 125,000 miles on the odometer. Sensor coverage expires when the odometer of your vehicle reads 125,000 miles. In the event of a claim related to a sensor, cleared sensor codes may void your claim. 8. Suspension Upgrade: Suspension coverage is available on vehicles with up to 125,000 miles on the odometer. Suspension coverage expires when the odometer of your vehicle reads 125,000 miles. In the event of a claim related to the suspension, cleared suspension codes may void your claim. SECTION 12: Roadside Assistance The following Roadside Assistance benefits are included in the purchase of this Contract. We will cover these services, as provided only by Our authorized vendor partner National Automobile Club. When calling for towing or road service You must call You will be required to give the representative assisting You the following information:account NUMBER Roadside Assistance is available 24 hours a day, 7 days a week. If your contract has a Waiting Period, Roadside Assistance benefits will start after the waiting period has been met as defined on the Registration Page of this contract. Benefits will be payable or reimbursed as set forth below: 1. Towing and Roadside Assistance: We will reimburse You towing charges that are a direct result of a mechanical failure. We will pay or reimburse You up to $75 (seventy five dollars) per incident for a total of $250 (two hundred fifty dollars) to have Your disabled vehicle towed to an authorized repair facility. It is Your responsibility to provide us with receipts for any and all towing fees incurred. 2. Car Rental: We will reimburse You for car rental that is a direct result of Your claim. We will pay up to $40 (forty dollars) for every 8 hours of labor required on an approved claim. The time allotted for each covered repair will be determined by Mitchell 1. It is Your responsibility to provide us with receipts for any and all rental fees incurred. We will not cover any time that includes waiting for parts or any other type of delays. Rental reimbursement applies only to the hours allotted for repair of each covered claim as provided by Mitchell 1. SECTION 13 - Arbitration and Dispute Resolution Unresolved disputes between You and Us concerning this Contract will be subject to non-binding arbitration. Under this arbitration provision, You have not given up Your right to resolve any dispute arising from this Contract by a judge and/or jury. In arbitration, a group of three (3) arbitrators (each of whom is an independent, neutral third party) will give a decision after hearing Your and Our positions. The decision of a majority of the arbitrators will determine the outcome of the arbitration. However, the decision of the arbitrators will not be binding and may be reviewed or changed by, or appealed to, a court of law. To start arbitration, either You or We must make a written demand to the other party for arbitration. This demand must be made within one (1) year of the earlier of the date of determination of the amount eligible to be paid as a Contract benefit or the dispute arose. You and We will each pay the expense of the arbitrator selected by that party. The expense of the umpire will be shared equally by You and Us. Unless otherwise agreed to by You and Us, the arbitration will take place in the county and state in which You live. The arbitration shall be governed by the Federal Arbitration Act (9 U.S.C.A. 1et.seq.) and not by any state law under this Contract. The laws of Your state of residence (without giving effect to its conflict-of-law principles) govern all matters arising out of or relating to this Contract and all transactions contemplated by this Contract, including without limitation, the validity, interpretation, construction, performance and enforcement of this Contract. SECTION 14 - State-Specific Disclosures ALABAMA SECTION 10: Cancellation is deleted in its entirety and replaced with the following: 1. You may cancel this Contract at any time for any reason. If this Contract is cancelled within the first 30 days of the Contract s Purchase Date, We will refund 100% of the Contract Purchase Price to You, if no claims have been paid under this Contract. A 10 percent penalty per month shall be added to a refund that is not paid or credited within 45 days after the effective date of the cancellation. 2. If You cancel this Contract 31 days or more from the Contract s Purchase Date, or if within the first 30 days of the Contract s Purchase Date and We have paid a claim, a pro rata refund will be made to You, less a Twenty-Five Dollar ($25) cancellation fee. Please Contact Us at for information regarding procedures to cancel this Contract. 3. We may cancel this Contract for any one of the following reasons only: a. If there has been fraud or material misrepresentation; b. A substantial breach of Your duties relative to this Contract; or c. If there has been non-payment of the Contract Purchase Price d. The Vehicle is determined to be ineligible pursuant to Section 6 Ineligible Vehicles 4. If We cancel this Contract, written notice of such cancellation will be mailed to You at the last known address provided to Us by You within five (5) days of the date of cancellation and will state the effective date and the reason for cancellation. A pro rata refund will be made based upon either elapsed time or mileage, except in the event of an ineligible Vehicle determination made within the first 30 days of this Contract, in which case a 100% refund will be made. All refunds will be paid to the Payment Plan Provider (i.e., lienholder) as shown on the Registration page, if any, otherwise to You. ARIZONA Section 10: Cancellation; The following is added: Notwithstanding any of the forgoing provisions in this section, We will not cancel or void your Contract for any of the following reasons: FWDR /11

7 a. due to acts or omissions of the service company, its assignees, or subcontractors for their failure to provide correct information of their failure to perform the services or repairs provided in a timely, competent, workmanlike manner; b. Pre-existing conditions; c. Prior use or unlawful acts relating to the product; d. Misrepresentation by either the service company (Us) or its subcontractors; e. Ineligibility for the program, including gray market, high performance, and GM diesel autos. A gray market vehicle (also known as an overseas vehicle) is an imported vehicle that has brought into the United States with the intent to have the vehicle titled and registered in the United States. Section 13: Arbitration; the following is added: 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 thearizona Department of Insurance. To learn more about this process, you may contact the Arizona Department of Insurance at 2910 N. 44th Street, 2nd 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 ARKANSAS Section 10- CANCELLATION is amended to provide that if You cancel after the first 30 days of Contract Coverage, We will pay You a pro rata refund of the Contract Purchase Price for the unexpired term of the service contract based on the number of elapsed months or miles, less a cancellation fee ($50.00) CONNECTICUT This Contract will not provide for any in home services nor will any costs or fees be reimbursed for the transportation of the covered vehicle to be repaired for any claimed benefits. The parties to this extended warranty contract are required to make reasonable efforts to resolve disputes over the terms of the warranty. (See ARBITRATION AND DISPUTE RESOLUTION). In the event that the parties cannot reach agreement, then You may file a formal written complaint with the Consumer Affairs Division of the Connecticut Insurance Department. Your complaint must contain a short and plain description of the nature of the dispute, including a description of any attempts made to resolve the dispute and the results of such attempts. Your written complaint must also include the purchase or lease price of the item covered by the extended warranty, the cost of repair of the item and You must include a copy of the extended warranty contract or agreement. Your complaint must be mailed to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT , ATTN: Consumer Affairs Division. Cancellation: The following is added: The buyer has the right to cancel this service contract if the buyer returns the product or the product is sold, lost, stolen, or destroyed. GEORGIA SECTION 2: What is Covered and What is Not Covered is amended to the following: 5. Mechanical failure caused by the neglect, abuse, inappropriate use, lack of maintenance, substandard maintenance or repair, low or excessive fluid levels, coolant levels, and lubrication levels, rust, corrosion, acid, dirt, water, chemicals, foreign object or road hazard. 8. Any pre-existing conditions known to you or reasonably should be known to you. Any part or component that is or has been under manufacturer s recall or any part or component that is or has been included in a Class Action Law Suit. Any part that is not original to the vehicle from the manufacturer at the time of purchase by You. Rebuilt, remanufactured, or replacement parts that were added to the vehicle prior to purchase by You. Failures to Your Vehicle if the manufacturer has announced or accepted its responsibility through any means including public recalls, factory service bulletins or TSBs, or warranty extensions. SECTION 10: "Cancellation" is deleted in its entirety and replaced with the following: 1. You may cancel this Contract at any time for any reason. If this Contract is cancelled within the first 30 days of the Contract s Coverage Start Date, We will refund 100% of the Contract Purchase Price to You, if no claims have been paid under this Contract. If You cancel this Contract 31 days or more from the Contract s Coverage Start Date, or if within the first 30 days of the Coverage Start Date and We have paid a claim, We will refund 90% of the unearned pro rata Contract Purchase Price to You. Please Contact Us at for information regarding procedures to cancel this Contract. 2. We may cancel this Contract for any one of the following reasons only: a. If there has been fraud or material misrepresentation; b. If there has been non-payment of the Contract Purchase Price 3. If we cancel this Contract, cancellation shall not be in effect less than thirty (30) days from the date of the notice. Cancellation for nonpayment of premium will be made by providing not less than ten (10) days notice to You and the lien holder. If We cancel this Contract, a refund will be calculated on a pro-rated basis and the refund will be made within fifteen (15) days of the notice of cancellation. In the event of cancellation for fraud or material misrepresentation, such cancellation shall be made in writing to You and the Payment Plan Provider. In no event will paid claims be deducted from any refund. 4. A power of attorney must be obtained by the lien holder for termination for non-payment, or to cancel this Contract for default of the agreement. Cancellation shall be in accordance with O.C.G.A SECTION 13 - Arbitration and Dispute Resolution is deleted in its entirety. IDAHO Coverage afforded under this motor vehicle service contract is not guaranteed by the Idaho Insurance Guarantee Association. EMERGENCY REPAIR For emergency repairs during non-business hours, you must follow the procedure outlined below: FWDR /11

8 1. If needed, call and select Option 1 to be connected to Roadside Assistance. 2. Bring or have your vehicle brought to a Repair Facility as described in "Section 1: Definitions". 3. Call and select Option 2 to leave a message describing the details of your mechanical breakdown. Please include your name, your contract number, your phone number, and the phone number of the Repair Facility. 4. Have the mechanical breakdown repaired and save a copy of the completed work order. 5. We will review your claim(s) the next business day and reimburse you for any covered repair(s) under the parameters set forth in "Section 7: Claims Procedure". You will not be reimbursed for any repair to a non-covered component or a repair that is attributable by a non-covered event or cause. ILLINOIS Paragraph 1 of SECTION 10: "Cancellation" is deleted in its entirety and replaced with the following: 1. You may cancel this Contract at any time for any reason. If this Contract is cancelled within the first 30 days of the Contract s Purchase Date, We will refund 100% of the Contract Purchase Price to You, if no claims have been paid under this Contract. If You cancel this Contract 31 days or more from the Contract s Purchase Date, or if within the first 30 days and We have paid a claim, a pro rata refund will be made to You, less claims paid, and less a cancellation fee in the amount of Fifty Dollars ($50) or 10% of the Contract Purchase Price, whichever is less. Please Contact Us at for information regarding procedures to cancel this Contract. INDIANA This service contract is not insurance and is not subject to Indiana insurance law. IOWA The Commissioner of Insurance is Doug Ommen. The Division of Insurance is located at 601 Locust St. - 4th Floor, Des Moines, IA The Definitions Section is amended as follows: Provider/Service Contract Provider: In Iowa, the obligor under this Contract is the Service Company and is Freedom Warranty of America LLC. 117 Lee Parkway Drive, Suite 103, Chattanooga, TN 37421; The following is added to Paragraph 1 of Section 10 CANCELLATION: If You cancel this Contract, We will mail a written notice of cancellation/termination to You within 15 days of the date of the effective date of cancellation. A 10 % penalty per month will be added to a refund that is not paid or credited within 30 days after the effective date of the cancellation. MAINE The following is added to Section 10 Cancellation; Paragraph 1, If You cancel this Contract within the first 30 days and we have not paid a claim, a 10% penalty per month, will be added to a refund that is not made within 45 days of Your cancellation of the Contract. Paragraph 1 is further amended to provide that any applicable cancellation fee will be the lesser of Fifty Dollars ($50) or 10% of the Contract Purchase Price. Paragraph 3 is amended to provide that the referenced written notice of cancellation will be mailed to You at least 15 days prior to cancellation. MASSACHUSETTS The following sections of the contract are amended: The Section 3 Dealer Information, found on the Registration Page, is changed to Section 3 Selling Dealer. The SECTION 5 - CONTRACT INFORMATION, found on the Registration Page is amended with the following: The obligations of the Selling Dealer (listed in Section 3 Dealer Information on the Registration Page) under this Contract are backed by the full faith and credit of the Selling Dealer. The SECTION 1 - Definitions, Provider/Service Contract Provider is amended to the following: The Selling Dealer as listed under Section 3 Dealer Information on the Registration Page and whose address and telephone number are provided within. The SECTION 1 Definitions, We, Us, Our is amended to: The Selling Dealer as listed under Section 3 Dealer Information on the Registration Page and whose address and telephone number are provided within. The following is added to your contract: NOTICE TO CONTRACT HOLDER: PURCHASE OF THIS CONTRACT IS NOT REQUIRED IN ORDER TO REGISTER OR FINANCE A VEHICLE. THE BENEFITS PROVIDED IN THIS CONTRACT MAY DUPLICATE EXPRESS MANUFACTURER S OR SELLER S WARRANTIES THAT COME AUTOMATICALLY WITH THE SALE OF EVERY VEHICLE. THE SELLER OF THIS COVERAGE IS REQUIRED TO INFORM YOU OF ANY WARRANTIES AVAILABLE TO YOU WITHOUT THIS CONTRACT. Chapter 90, Section 7N.25 of Massachusetts General Laws require an automobile dealer to provide a warranty covering certain classes of used motor vehicles as follows: Used vehicles with less than 40,000 miles at the time of sale: Provides COVERAGE for ninety (90) days or 3,750 miles, whichever occurs first. Used vehicles with 40,000 miles or more but less than 80,000 miles at the time of sale: Provides COVERAGE for sixty (60) days or 2,500 miles, whichever occurs first. Used vehicles with 80,000 miles or more, but less than 125,000 miles at time of sale: Provides COVERAGE for thirty (30) days or 1,250 miles, whichever occurs first. The VEHICLE YOU have purchased may be covered by this law. If so, the following is added to this CONTRACT: In addition to the dealer warranty required by this law, YOU have elected to purchase this CONTRACT, which may provide YOU with additional protection during the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged separately only for this CONTRACT. The required dealer warranty is provided free of charge. Furthermore, the Definitions, Coverages, and Exclusions stated in this CONTRACT apply only to this CONTRACT and are not the terms of the required dealer warranty. MINNESOTA Section 10 CANCELLATION is amended as follows: If We cancel this Contract because the Vehicle is determined to be ineligible or an odometer discrepancy has been detected, Our written notice of cancellation will be provided 15 days before the effective date of cancellation, rather than 5 days. FWDR /11