NAC FLORIDA CONTRACT :

NOTICE TO AGREEMENT HOLDER

1) This AGREEMENT is not a contract of insurance.
2) This AGREEMENT is not valid unless a completed DECLARATION PAGE is attached to this page covering this notice. If the DECLARATION PAGE is not attached to this Coverage Booklet, please contact the issuing dealer or call the ADMINISTRATOR.
3) Purchase of this AGREEMENT is not required in order to purchase or obtain financing for a motor vehicle.
4) This AGREEMENT is inclusive of the manufacturer’s warranty; it does not replace the manufacturer’s warranty, but provides certain additional benefits during the term of the manufacturer’s warranty.

National Auto Care
ADMINISTRATOR:
P.O. Box 21647
St. Petersburg, Florida 33742-1647
Toll-Free Number: 1-866-844-2203

24-Hour Roadside Assistance Administrator:
Toll-Free Number: 1-866-375-5374

Table of Contents 1
Definitions 2
General Provisions 3-5
Schedule of Covered Parts 5-7
Additional Benefits 7-8
Optional Coverage 8-9
Customer Care Maintenance Option 9
Exclusions From Coverage 10-11
Guide to Filing a Claim 11-14
Arbitration Provision 14-15
Cancellation of Your Agreement 15-16
Transfer of Your Agreement 16
Transfer of Manufacturer’s Warranty 17
Special State Disclosures 17-39

DEFINITIONS

The following definitions apply to words used frequently throughout this Vehicle Service Agreement and which appear in BOLDFACED, SMALL CAPS type:

1 ADMINISTRATOR – The entity identified on the DECLARATION PAGE that administers this AGREEMENT on OUR behalf.

2 AGREEMENT – This VEHICLE Service AGREEMENT, which YOU have purchased for the VEHICLE described on the DECLARATION PAGE.

3 BREAKDOWN – The failure of a COVERED PART under normal service and usage of the VEHICLE. A COVERED PART has failed when it can
no longer perform the function for which it was designed solely because of its condition.

4 BUSINESS USE – Coverage is provided if the BUSINESS USE surcharge has been paid as specified on YOUR DECLARATION PAGE. Eligibility is limited to the following: cars, trucks and vans used for route sales, inspections, maintenance, repair, landscaping, carrying tools to a job site and eligible vehicles owned by religious/charitable organizations.

5 CLAIM – A demand by YOU for benefits under this AGREEMENT.

6 COVERED PARTS – The parts listed in the Schedule of Covered Parts subsection of this AGREEMENT.

7 DECLARATION PAGE – The numbered document executed by YOU which must be attached to the inside cover of this AGREEMENT. It
lists information regarding the VEHICLE to be covered, AGREEMENT terms, and other vital information.

8 DEDUCTIBLE – The amount YOU are required to pay, as shown on the DECLARATION PAGE, towards the total cost for the repair or
replacement of COVERED PARTS per CLAIM made.

9. PLAN – Refers to the Plan Selected and Term Selected by YOU as shown on the DECLARATION PAGE of this AGREEMENT.
a. NEW VEHICLE COVERAGE PLAN – The qualifying VEHICLE must have less than 50,000 miles at time of purchase.
b. WRAP COVERAGE PLAN – The qualifying VEHICLE must have less than 50,000 miles at time of purchase and the term of the PLAN cannot exceed the manufacturer’s powertrain warranty. Time starts on the inservice date, which for this AGREEMENT will be determined as July 1st of the VEHICLE model year.
c. PREOWNED VEHICLE COVERAGE PLAN – The qualifying VEHICLE is one that does not meet the definition in the NEW VEHICLE COVERAGE PLAN.

10 REPAIR FACILITY – A licensed repair facility authorized by the ADMINISTRATOR to perform repair services under this AGREEMENT.

11 VEHICLE – The VEHICLE described on the DECLARATION PAGE that is covered under this AGREEMENT.

12 WE, US AND OUR – The entity identified on the DECLARATION PAGE that is obligated to perform under this AGREEMENT.

13 YOU, YOUR – The AGREEMENT holder shown on the DECLARATION PAGE of this AGREEMENT.

GENERAL PROVISIONS

1. Agreement Term: Coverage under this AGREEMENT will expire on the Expiration Date or when the VEHICLE reaches the specified Expiration Odometer Mileage, whichever occurs first, as shown on the DECLARATION PAGE of this AGREEMENT. Plan Coverage Expiration is determined as follows:
a. NEW VEHICLES: The Expiration Date is determined by adding the months of the Term Selected to the AGREEMENT Purchase Date, and the Expiration Odometer Mileage is the mileage of the Term Selected.
b. WRAP COVERAGE: The Expiration Date is determined by adding the months of the TERM Selected to the InService Date, which will be July 1st of the model year, and the Expiration Odometer Mileage is the mileage of the TERM Selected. The Wrap Coverage TERM cannot exceed the Manufacturer’s powertrain warranty.
c. PREOWNED VEHICLES: The Expiration Date is determined by adding the months of the Term Selected to the AGREEMENT Purchase Date, and the Expiration Odometer Mileage is determined by adding the mileage of the Term Selected to the Odometer Reading of the VEHICLE on the AGREEMENT Purchase Date.

2 Coverage: The coverage afforded to YOU for the VEHICLE is determined by the Plan Selected and Term Selected by YOU on the DECLARATION PAGE and pursuant to the terms and provisions of this AGREEMENT. WE will pay on behalf of or reimburse YOU for the approved cost to repair or replace any of the COVERED PARTS listed in the Schedule of COVERED PARTS which cause a BREAKDOWN, less any DEDUCTIBLE, and will pay to YOU the Additional Benefits and the 24Hour Roadside Assistance Benefits listed in the Schedule of Coverages, provided YOU comply with all of the terms and provisions of this AGREEMENT. Repairs may be completed with parts of like kind and quality, commensurate with the age and odometer reading of the VEHICLE at the time the part(s) failed. In some cases, remanufactured or used parts may be utilized. Please see the Schedule of COVERED PARTS section for a detailed list of COVERED PARTS and to determine the coverages applicable to YOUR PLAN. All covered components must be functioning properly at the time of the sale of this AGREEMENT. Please refer to the AGREEMENT Holder’s Guide to Filing a Claim section of this AGREEMENT for claims instructions.

3 Deductible: WE will pay the portion of the expense for a covered repair that is in excess of the Deductible Selected on the DECLARATION PAGE of this AGREEMENT. The standard DEDUCTIBLE is one hundred dollars ($100) per CLAIM. An optional DEDUCTIBLE of fifty dollars ($50) or two hundred dollars ($200) is also available on all PLANS. In the event covered repairs are performed by the Dealer that sold YOU this AGREEMENT, the DEDUCTIBLE will be reduced by fifty dollars ($50). If no DEDUCTIBLE is indicated on the DECLARATION PAGE, the DEDUCTIBLE will be the standard one hundred dollars ($100) per CLAIM. The DEDUCTIBLE will not apply to the Additional Benefits or the 24Hour Roadside Assistance Benefits listed in the Schedule of COVERED PARTS section.

4. Limits of Liability:
a. SingleClaim Limit: OUR liability with respect to any one CLAIM is limited to the approved cost to repair or replace any COVERED PARTS using the approved retail labor rate and the listed labor time from a nationally recognized labor time guide (i.e., Motors Guide or AllData), less any DEDUCTIBLE. Parts replacement may include new parts, or parts of like kind and quality, which may include serviceable, used parts or remanufactured parts, as customarily used in the automobile industry. In all cases parts replacement cost shall not exceed the manufacturer’s suggested retail price. In no event shall OUR liability exceed the cost necessary to correct the actual cause of the BREAKDOWN.
b. Aggregate Limit: OUR liability with respect to the total of all benefits paid or payable while this AGREEMENT is in force shall not exceed the lesser of:
(1) The Vehicle Purchase Price, as shown on the DECLARATION PAGE; or
(2) The NADA retail value of the VEHICLE at the time of the current repair.

5. Manufacturer’s Warranty: If any part is repaired and/or replaced under the manufacturer’s warranty covering the VEHICLE, and those same components are listed in the Schedule of COVERED PARTS section of this AGREEMENT, WE will reimburse YOU for a portion of the manufacturer’s deductible if the manufacturer’s deductible exceeds the Deductible Selected, as shown on the DECLARATION PAGE. The amount WE reimburse will be the actual amount YOU were required to pay under the terms of the manufacturer’s warranty, less the DEDUCTIBLE shown on the DECLARATION PAGE that is made part of this AGREEMENT.

6 Territory: The benefits provided under this AGREEMENT are only available for losses and expenses incurred within the United States and Canada. United States means the 50 United States and the District of Columbia and does not include Puerto Rico, Guam or other territories and possessions.

7 Incidental & Consequential Damage: OUR and the ADMINISTRATOR’S liability for incidental and consequential damages including, but not limited to, property damage, loss of use of the VEHICLE, loss of time, inconvenience, or commercial loss resulting from the operation, maintenance and/or use of the VEHICLE, is expressly excluded herein.

8 Subrogation Provision: In the event that coverage is provided under this AGREEMENT, WE shall be subrogated to all the rights YOU may have to recover against any person or organization arising out of any safety defect which is the subject of a voluntary or mandatory recall campaign, as well as out of any order, judgment, consent decree, or other settlement, and YOU shall execute and deliver instruments and papers and do whatever is necessary to secure such rights. YOU shall do nothing to prejudice those rights. Further, all amounts recovered by YOU for which YOU have received benefits under this AGREEMENT shall belong to, and be paid to US, up to the amount of benefits paid under this AGREEMENT.

9 Maintenance Requirements: In order to keep this AGREEMENT in effect, YOU must have the VEHICLE checked and serviced in accordance with the manufacturer’s recommendations. Failure to follow such recommendations may result in a denial of coverage. YOU must retain verifiable receipts for the maintenance services performed. If YOU perform the actual services, then verifiable receipts showing purchases of all required parts and materials necessary to perform the maintenance must be retained, along with a statement showing the date and mileage when the services were performed. Proof of maintenance may be required to be submitted to US when a CLAIM is filed.

10 Other Provisions: This AGREEMENT is not an insurance policy. However, OUR obligations under this AGREEMENT are guaranteed by an insurance policy. The name and address of the Insurance Company that issued the policy are identified on the DECLARATION PAGE of this AGREEMENT. If a covered CLAIM is not paid within sixty (60) days after proof of loss has been filed, YOU may file a CLAIM directly with the Insurance Company.

SCHEDULE OF COVERED PARTS

In the event of a BREAKDOWN covered by this AGREEMENT, WE will pay on behalf of or reimburse YOU for the reasonable costs to repair or replace any of the parts listed below, less any DEDUCTIBLE, in accordance with the PLAN selected by YOU as shown on the DECLARATION PAGE and the terms and provisions of this AGREEMENT.

1000 Plan 1 – 3
PreOwned Only 2000 Plan 1 – 7
New & PreOwned Deluxe Plan 1 – 11
New & PreOwned Pinnacle Plan 1 – 12
New & PreOwned PowerWrap Plan 4 – 12 New Only

1. Engine Components: Engine block and cylinder head(s), and all internally lubricated parts including pistons, pins, rings, connecting rods and bearings, crankshaft and main bearings, camshaft, followers and cam bearings. Push rods, valves, springs, guides, seats, lifters, rocker arms, shafts, bushings, core plugs, timing gear, timing chain or timing belt, belt tensioners and retainers. Eccentric shaft, oil pump, oil cooler and oil cooler lines. Also covered are the following: water pump, fuel pump, oil pan, intake and exhaust manifolds; engine mounts and cushions; engine torque strut, timing cover, valve cover(s), harmonic balancer, flywheel (flex plate) and flywheel ring gear, vacuum pump, dipstick and tube, all pulleys, and all internally lubricated parts of the turbo charger/supercharger including waste gate, vanes, shafts and bearings. The turbocharger/supercharger housing is covered only if damaged by the failure of an internally lubricated part.

2 Transmission Components: (Automatic or Manual) Transmission case, transfer case, torque converter, and all internally lubricated parts contained within the cases. Filler tube and dipstick. Vacuum modulator, internal linkage and transmission mounts.

3 Drive Axle Components: (Front & Rear) Differential housing, transaxle housing, final drive housing, and all the internally lubricated parts of the foregoing. Axle shafts, constant velocity joints, universal joints, drive shafts, locking hubs, hub bearings, locking rings, supports, retainers and bearings.

4 AirConditioning Components: (Factory Installed Units Only) Airconditioner compressor, clutch, clutch pulley, clutch coils, electrical HVAC actuators, condenser, evaporator, expansion valve, accumulator, orifice, idler pulley, bearing, ducts and outlet tubes, blower motor, temperature control programmer, power module, high/low cutoff switch and receiver/dryer.

5 Heating/Cooling Components: Water pump, thermostat, radiator and mounting brackets. Fan shroud and fancontroller module. The coolant recovery unit. Heater ducts and cabins. Blower motor, heater core, fan, fan clutch and fan motor.

6 Electrical Components: Starter, alternator, voltage regulator, distributor, ignition coil, wiring harness, solenoids, ignition switch, lock and tumbler, brake light switch, wiper motors, horn button and horns, driver’s side (steering wheel) airbag, manually operated switches, power door locks, window motors and regulators, mirror motors and controls, power antenna motor, power seat motor, cruisecontrol transducer, engagement switch and servo; turn signal switch, wiper delay switch and controller, wiper/washer controller and pump, power sunroof/convertible top motor and switches, relays, gauges, electronic level control module, instrument cluster, electronic mixture control unit and sensors, electronic antidetonation sensors, keyless entry system, and electronic antitheft device (factory installed only).

7 Braking Components: Master cylinder, power assist booster, wheel cylinders, combination valves, metal hydraulic lines and fittings, disc calipers, backing plates, springs, clips, retainers, and electronic antilock brake system (ABS) and relays. Parking brake linkage and cables, and rear actuators.

8 Suspension Components: Struts, mounting plates, retainer and bushing, upper and lower control arms, control arm shafts and bushings. The upper and lower ball joints, steering knuckles, wheel bearings, stabilizer shaft, linkage and bushings, torsion bars, spindle and spindle supports, radius arm and bushings, coil and leaf springs, strut bar and bushing.

9 Steering Components: Gear housing and all internally lubricated parts including the rack and pinion, powersteering pump, main and intermediate shafts. Couplings, cooler and cooler lines, power cylinder and pitman arm. Idler arm, tie rod and tie rod ends and control valve.

10 Fuel Delivery Components: Fuel pump, fuel tank, fuel tank sending unit, metal fuel lines, fuel injectors, carburetor, throttle body, fuel distributor, fuel injection pump, diesel injectors, diesel injector pump and vacuum booster pump.

11 Seals and Gaskets Coverage: Seals and gaskets are covered for all listed parts, provided the VEHICLE has 95,000 miles or less at the time of purchase of this AGREEMENT.

12. Pinnacle Plan covers all parts of the VEHICLE except for the following items. PowerWrap Plan covers all parts for the VEHICLE except the Engine, Transmission and Drive Axle Components and the following items. (a.) Parts listed under the Exclusions From Coverage Section of this AGREEMENT;
(b.) Parts covered under the manufacturers warranty, special policy, or recall; and
(c.) Parts listed in the Conversion Truck/Van Package or Hybrid Electric Vehicle Package unless elected on YOUR DECLARATION PAGE.

ADDITIONAL BENEFITS

1. Substitute Transportation: In the event of a BREAKDOWN covered by this AGREEMENT, WE will pay on behalf of or reimburse YOU for receipted expenses to rent a replacement vehicle from a licensed rental agency, or for alternate public transportation while the VEHICLE is at a licensed REPAIR FACILITY in accordance with the terms and provisions of this AGREEMENT. WE will pay the actual expenses, not to exceed forty dollars ($40) per day for every eight (8) labor hours, or portion thereof, flat rate labor time from a nationally recognized labor manual, for the labor time authorized to complete the repair, plus two (2) days parts delay, if needed. Total benefit shall not exceed three hundred twenty dollars ($320) for each repair visit.

2 Trip Interruption: In the event that a BREAKDOWN occurs more than one hundred (100) miles from YOUR home and results in a REPAIR FACILITY keeping the VEHICLE overnight, WE will reimburse YOU for receipted motel and restaurant expenses, up to ninety dollars ($90) per day for a maximum of three (3) days. Total benefit shall not exceed two hundred seventy dollars ($270) per occurrence. Prior authorization is not required for Trip Interruption benefits.

24-HOUR ROADSIDE ASSISTANCE BENEFITS

1 Towing and Wrecker Service: In the event the VEHICLE becomes disabled due to any mechanical failure which renders the VEHICLE inoperable, WE will arrange to have the VEHICLE transported to the nearest qualified repair service facility and will pay up to a maximum of one hundred dollars ($100) per occurrence for the transportation expenses.

2 Flat Tire Change: In the event of a flat tire on the VEHICLE, WE will arrange for a service provider to mount an inflated spare tire provided by YOU and will pay up to a maximum of one hundred dollars ($100) per occurrence for the flat tire service call.

3 Emergency Gas Delivery Service: In the event the VEHICLE runs out of gas, WE will arrange for a service provider to deliver an emergency supply of gas for the VEHICLE and will pay up to a maximum of one hundred dollars ($100) per occurrence for the gas delivery service, excluding the cost of the gas. YOU are responsible for the cost of the emergency supply of gas at the time of delivery.

4 Battery Jump Service: In the event the VEHICLE will not crank due to a weak or “rundown” battery, WE will arrange for a service provider to boost or jumpstart the battery and will pay up to a maximum of one hundred dollars ($100) per occurrence for the battery jump service.

5 Key Lockout Service: In the event the keys for the VEHICLE are lost, broken or accidentally locked in the VEHICLE, or the VEHICLE has a frozen lock, WE will arrange for a service provider to unlock the VEHICLE and will pay up to a maximum of one hundred dollars ($100) per occurrence for the locksmith service, excluding the cost of replacement keys. YOU are responsible for the
cost of any replacement keys at the time of service.

Note: The 24-Hour Roadside Assistance services are provided through Nation Motor Club, 1108 East Newport Center Drive, Deerfield Beach, FL 33442 in all states except CA, NH, MT and WI where benefits are provided by Signature Nationwide Auto Club, and their toll free phone number is 1-866-375-5374. Please refer to the Guide to Filing a Claim section for claims instructions.

Conversion Truck/Van Package: Coverage is provided for the following components if the surcharge has been paid and the option has been marked on YOUR DECLARATION PAGE –
Rear Air Conditioning – evaporator, expansion valve, blowerfan motor and control switch; Rear Entertainment Components – disc players, audio system, televisions (limited to two). Plasma TVs, game cartridges, cassettes, remote controls and wiring are excluded; Sofa Bed and Captain Chairs – motors, switches and transmissions; Cooking Appliances – microwave oven, stove/oven unit and the LP gas bottles; Plumbing – freshwater tank, lines, faucets, pump, inlet and sink; Interior Fixtures – auxiliary lighting fixtures and switches, conversion window latches and hinges, folddown tables, cabinet
hinges, latches and handles; Exterior Fixtures – roof ladder, roof storage rack and spare tire cover. Hybrid Electric Vehicles (HEV’s) Package: Coverage is provided for the following components if the surcharge has been paid and the option has been marked on YOUR DECLARATION PAGE – electric motor, power controller, hybrid transaxle, electronic transmission, inverter, generator(s) and electronic display monitor. (Batteries are excluded.)

CUSTOMER CARE MAINTENANCE OPTION

In the event YOU purchased the Customer Care Maintenance Option, WE will pay the Dealer from whom YOU purchased this AGREEMENT to perform the Maintenance Services allowed per coupon from either Customer Care One, Customer Care Two, Customer Care Three or Customer Care Four YOU selected on the DECLARATION PAGE of this AGREEMENT.
Only one coupon per visit to the dealership can be used for services. The expiration date for the selected plan is determined by the expiration date of the Service AGREEMENT.
If in the event coupons are lost, please contact the ADMINISTRATOR. Coupon replacement will be based on the number of unused coupons left in the selected plan. The replacement fee is thirty ($30) dollars.
CUSTOMER CARE ONE (5 Coupons) includes:
5 Engine Oil Change/Oil Filter Replacement 5 Fluids Check and Replenish 2 Rotate Tires/Adjust Air Pressure 2 Brake Inspection
CUSTOMER CARE TWO (10 Coupons) includes:
10 Engine Oil Change/Oil Filter Replacement 10 Fluids Check and Replenish 5 Rotate Tires/Adjust Air Pressure 5 Brake Inspection
CUSTOMER CARE THREE (15 Coupons) includes:
15 Engine Oil Change/Oil Filter Replacement 15 Fluids Check and Replenish 7 Rotate Tires/Adjust Air Pressure 7 Brake Inspection
CUSTOMER CARE FOUR (20 Coupons) includes:
20 Engine Oil Change/Oil Filter Replacement 20 Fluids Check and Replenish 10 Rotate Tires/Adjust Air Pressure 10 Brake Inspection

THIS AGREEMENT DOES NOT PROVIDE COVERAGE:
1 FOR REPAIR COSTS OR EXPENSES REPORTED OR MADE AFTER THE EXPIRATION OF THE TERM OF THIS AGREEMENT OR NOT
AUTHORIZED BY THE ADMINISTRATOR;

2 FOR REPAIR COSTS OR EXPENSES IF THE ODOMETER OF THE VEHICLE BREAKS OR BECOMES INOPERABLE OR UNRELIABLE FOR ANY REASON AND ODOMETER REPAIRS WERE NOT MADE IMMEDIATELY AT THE TIME OF FAILURE, OR IF THE ODOMETER HAS BEEN TAMPERED WITH, DISCONNECTED OR ALTERED IN ANY WAY;

3 FOR REPAIR COSTS OR EXPENSES IF THE VEHICLE HAS BEEN USED FOR THE FOLLOWING PURPOSES, REGARDLESS OF WHETHER THE BUSINESS USE OPTION WAS PURCHASED: POLICE OR LAW ENFORCEMENT SERVICES, FIRE, AMBULANCE OR EMERGENCY SERVICES, TAXI, LIMOUSINE OR SHUTTLE SERVICES, PICKUP AND/OR DELIVERY OPERATIONS, RACING, NEWSPAPER OR MAIL DELIVERY, RENTAL SERVICES, CONSTRUCTION, SECURITY SERVICES, SNOW REMOVAL OR SNOW PLOWING, CABLE OR LINE INSTALLATION, OR HAULING FOR HIRE, OR IF THE VEHICLE HAS BEEN USED FOR HAULING TRAILERS IN EXCESS OF THE MANUFACTURER’S RATED CAPACITY OR HAULING TRAILERS WITHOUT SUITABLE EQUIPMENT, OR IF THE REQUIREMENTS IN THE MANUFACTURER’S MANUAL FOR VEHICLES USED TO PULL TRAILERS ARE NOT FOLLOWED;

4 FOR REPAIR COSTS OR EXPENSES IF YOU CANNOT PROVIDE TO THE ADMINISTRATOR ACCURATE RECORDS PROVING THAT YOU HAVE MAINTAINED THE VEHICLE IN ACCORDANCE WITH THE MANUFACTURER’S SPECIFICATIONS AND INSTRUCTIONS, OR IF ANY MECHANICAL OR ELECTRICAL ALTERATIONS HAVE BEEN MADE TO THE VEHICLE INCLUDING, BUT NOT LIMITED TO, THE USE OF OVERSIZED TIRES, INSTALLATION OF HEADER PIPES OR LIFT KITS, AND REMOVAL OF ANY EMISSION CONTROL PARTS SYSTEM;

5 FOR REPAIR COSTS OR EXPENSES IF THE VEHICLE IS STILL IN THE MANUFACTURER’S BASIC WARRANTY PERIOD OR COVERED BY A RECALL OR SPECIAL POLICY BY THE MANUFACTURER;

6 FOR REPAIR COSTS OR EXPENSES IF THE VEHICLE HAS BEEN ABUSED OR NEGLECTED, OR ANY PART OF IT HAS BEEN SUBJECT TO ALTERATION OR ACCIDENT, OR FOR ANY ACCIDENTAL LOSS OR DAMAGE RESULTING FROM COLLISION OR UPSET, FALLING MISSILES OR OBJECTS, FIRE, THEFT, ARSON, EXPLOSION, LIGHTNING, EARTHQUAKE, WINDSTORM, ICE, HAIL, WATER, FLOOD, MALICIOUS MISCHIEF, VANDALISM, RIOT OR CIVIL COMMOTION, OR IF THE VEHICLE IS A TOTAL LOSS, HAS BEEN REPOSSESSED OR IS THE SUBJECT OF A REPOSSESSION ACTION, OR FROM ANY OTHER CAUSE WHATSOEVER, EXCEPT AS OUTLINED IN THIS AGREEMENT;

7. FOR LIABILITIES FOR DAMAGE TO PROPERTY OR FOR INJURY TO OR DEATH OF ANY PERSON ARISING OUT OF THE OPERATION, REPAIR, MAINTENANCE OR USE OF THE VEHICLE, WHETHER OR NOT RELATED TO ANY COVERED PART, OR FOR CONSEQUENTIAL LOSSES OR DAMAGE, INCLUDING, BUT NOT LIMITED TO, PROPERTY DAMAGE, LOSS OF USE OF THE VEHICLE, LOSS OF TIME, INCONVENIENCE, OR COMMERCIAL LOSS RESULTING FROM THE OPERATION, MAINTENANCE AND/OR USE OF THE VEHICLE, UNLESS SPECIFICALLY COVERED HEREIN;
7 FOR ANY MECHANICAL PROBLEMS THAT EXISTED PRIOR TO THE PURCHASE OF THIS AGREEMENT OR BY THE FAILURE OF THE INSURED TO MAINTAIN PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS;

8 FOR REPAIRS TO ANY PART THAT HAS NOT SUFFERED A BREAKDOWN, OR IF THE WEAR ON THE PART HAS NOT EXCEEDED THE PUBLISHED FIELD TOLERANCE ALLOWED BY THE MANUFACTURER, OR FOR REPAIR COSTS NOT NECESSARY TO CORRECT A BREAKDOWN, OR FOR DAMAGES OR ANY LOSS RESULTING FROM FAULTY OR NEGLIGENT AUTO REPAIR WORK OR FROM THE INSTALLATION OF DEFECTIVE PARTS;

9 FOR ANY REPAIR COSTS DUE TO CONTAMINATION OF ANY KIND, CORROSION, RUST, DETONATION, PREIGNITION, CARBON BUILDUP, SLUDGE, ELECTROLYSIS, RATTLES, WATER LEAKS, WIND NOISES;

10 FOR ANY OF THE FOLLOWING PARTS: MANUAL CLUTCH ASSEMBLY; GLOW PLUGS; BRAKE PADS, SHOES, ROTORS AND DRUMS; WIPER BLADES, WIPER ARMS; ALL BATTERIES, BATTERY CABLES; AIR FILTERS, OIL FILTER, COOLANTS AND FLUIDS, IF NOT IN CONNECTION WITH A COVERED REPAIR; SPARK PLUGS; PLUG WIRES; EGR VALVE; DRIVE BELTS; RUBBER HOSES; EXHAUST PIPES; CATALYTIC CONVERTERS; MUFFLERS; RESONATORS; SHOCK ABSORBERS; TIRES, WHEELS, SEALED BEAMS; LIGHT BULBS AND LENSES; NONFACTORY INSTALLED AUDIO SYSTEMS AND DISC PLAYERS; PLASMA TELEVISIONS; CAR PHONES; CELLULAR SATELLITE, OR MICROWAVE COMMUNICATION DEVICES; BRIGHT METAL PARTS; RUBBER MOLDINGS; WEATHER STRIPS; METAL, GLASS OR PLASTIC TRIM; UPHOLSTERY; CARPET; ASH TRAYS; CUP HOLDERS; ANY NONFACTORY INSTALLED PARTS; CONVERTIBLE TOP, FRAME AND MECHANISM; SUNROOF TRACK AND MECHANISM; SAFETY RESTRAINT SYSTEMS (SEAT BELTS AND AIR BAGS, EXCEPT STEERING WHEEL) OR PART THEREOF; OR CHARGES FOR: SHOP SUPPLIES, FREIGHT, HAZARDOUS WASTE DISPOSAL, WHEEL ALIGNMENT AND TIRE BALANCE.

GUIDE TO FILING A CLAIM

A. INSTRUCTIONS FOR THE AGREEMENT HOLDER:

1. Prevent Further Damage by taking immediate action to prevent further damage. This AGREEMENT will not cover the damage caused by not securing a timely repair of the failed component.

2. Return VEHICLE to the Selling Dealer or approved LICENSED REPAIR FACILITY. Provide the REPAIR FACILITY with a copy of this
AGREEMENT and/or the AGREEMENT Number.

3. Pay DEDUCTIBLE and Costs for NonCovered Repairs – WE will reimburse the REPAIR FACILITY or YOU for the cost of the work
performed on the VEHICLE that is covered by this AGREEMENT for the authorized amount, less the DEDUCTIBLE (if any). YOU must pay for any repair or service that is not covered by this AGREEMENT. WE will pay the REPAIR FACILITY by charge card on YOUR behalf for a covered repair. In some cases, it may be necessary for YOU to pay the repair bill in full. In such event, WE will reimburse YOU for the authorized cost of the repair, less any applicable DEDUCTIBLE.

4. If an emergency occurs which requires a BREAKDOWN repair to be made at a time when the ADMINISTRATOR’S office is closed and prior authorization for the repair cannot be obtained, the REPAIR FACILITY should follow the claims procedures below and contact the ADMINISTRATOR for claims instructions during normal business hours immediately following the emergency repair.

B. INSTRUCTIONS FOR THE REPAIR FACILITY:

1 IMPORTANT – First obtain Prior Authorization from the ADMINISTRATOR. Prior to any repair being made, the REPAIR FACILITY must contact the ADMINISTRATOR to obtain authorization for the CLAIM and a “Claim Authorization Number”. Failure to obtain proper authorization may result in a denial of benefits. The amount authorized by the ADMINISTRATOR is the maximum that will be paid for the repairs covered under the terms of this AGREEMENT. Any additional repair costs must receive prior approval. For authorization, please call the ADMINISTRATOR’S claims number 1-866-844-2203.

2 Tear Down and/or Inspection of the VEHICLE – In some cases, the VEHICLE may need to be inspected and/or torndown in order to diagnose the failure and the cost of the repair. In such event, please obtain signed authorization from the AGREEMENT holder and provide authorization to the ADMINISTRATOR. AGREEMENT holder will be responsible for all charges if the failure is not covered under this AGREEMENT. WE reserve the right to require an inspection of the VEHICLE prior to any repair being performed.

3 Authorize Repair – Authorize the REPAIR FACILITY to complete the repairs and provide the ADMINISTRATOR with a copy of a signed authorization.

4 Submit Repair Orders for Payment – Once authorization is obtained and the repair is completed, all repair orders and documentation must be submitted to the ADMINISTRATOR, at the address shown below, within sixty (60) days from the date the covered repair was completed to be eligible for payment. The documentation must include the following: current odometer mileage; AGREEMENT number; complaint, cause of failure and corrective action; cost of the repair; the last six (6) digits of the Vehicle Identification Number; repair facility’s phone number and agreement holder’s signature.

C. INSTRUCTIONS TO FILE A CLAIM FOR THE ADDITIONAL BENEFITS:

1 Authorization from the ADMINISTRATOR – Prior authorization from the ADMINISTRATOR is not required for a CLAIM made for any of the Additional Benefits listed in the Schedule of Coverages, except a CLAIM for Substitute Transportation. For authorization, please call the ADMINISTRATOR’S claims number 1-866-844-2203.

2 Submit Paid Receipts to the ADMINISTRATOR – A paid receipt from a licensed service provider, stating the type of service and the date provided, must be submitted along with AGREEMENT Number and the odometer mileage of the VEHICLE on the date the service was provided, to the ADMINISTRATOR, at the address shown below, within sixty (60) days from the date of the covered service or repair to be eligible for payment.

ADMINISTRATOR:
P.O. Box 21647, St. Petersburg, Florida 33742
TollFree Number: 18668442203

D. INSTRUCTIONS FOR FILING A CLAIM FOR THE 24HOUR ROADSIDE ASSISTANCE BENEFITS:

1. Prior Authorization – Prior authorization is required for a CLAIM made for any of the 24Hour Roadside Assistance Benefits listed in the Schedule of Coverages. Please call Nation Motor Club at the 24hour tollfree number 1-866-375-5374 to obtain authorization and an Authorization Number. Please have the following items ready when the call is placed:

- AGREEMENT Number;
- VEHICLE license plate number;
- Location of VEHICLE;
- Phone number calling from and home phone number;
- Brief description of the problem; and
- Current odometer mileage.

2 Pay Costs That Exceed the Available Benefit – YOU must sign a vendor invoice and pay any costs that exceed the amount of the Roadside Assistance Benefits at the time service is rendered.

3 Submit Paid Receipts – In certain cases, YOU may be authorized to arrange for a service provider to perform the roadside service. In such case, YOU must pay the service provider, in full, at the time service is rendered. To obtain reimbursement, YOU must submit the following items to Nation Motor Club, at the address shown below, within sixty (60) days from the date of the service to be eligible for payment:

- AGREEMENT Number;
- Valid receipt from the service provider;
- Authorization Number;
- Valid vehicle identification number; and
- Odometer mileage on the date service was provided.

Nation Motor Club
1108 East Newport Center Drive
Deerfield Beach, FL 33442
Telephone 18663755374

ARBITRATION PROVISION

READ THE FOLLOWING ARBITRATION PROVISION (“PROVISION”) CAREFULLY. IT LIMITS CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO OBTAIN RELIEF OR DAMAGES THROUGH COURT ACTION.

As used in this Provision, “You” and “Your” mean the person or persons named in this Service Plan, and all of his/her heirs, survivors, assigns and representatives. And, “We” and “Us” shall mean the Obligor identified above and shall be deemed to include all of its agents, affiliates, successors and assigns, and any retailer or distributor of its products, and all of the dealers,
licensees, and employees of any of the foregoing entities.

Any and all claims, disputes, or controversies of any nature whatsoever (whether in AGREEMENT, tort or otherwise, including statutory, common law, fraud [whether by misrepresentation or by omission] or other intentional tort, property, or equitable claims) arising out of, relating to, or in connection with (1) this Service Plan or any prior Service Plan, and the purchase thereof; and (2) the
validity, scope, interpretation, or enforceability of this Provision or of the entire Agreement (“Claim”), shall be resolved by binding arbitration before a single arbitrator. All arbitrations shall be administered by the American Arbitration Association (“AAA”) in accordance with its Expedited Procedures of the Commercial Arbitration Rules of the AAA in effect at the time the Claim is filed. The terms of this Provision shall control any inconsistency between the AAA’s Rules and this Provision. You may obtain a copy of the AAA’s Rules by calling (800) 778-7879. Upon written request We will advance to You either all or part of the fees of the AAA and of the arbitrator. The arbitrator will decide whether You or We will be responsible for these fees. The arbitrator shall apply relevant substantive law and applicable statute of limitations and shall provide written, reasoned findings of fact and conclusions of law. This Provision is part of a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. If any portion of this Arbitration Provision is deemed invalid or unenforceable, it shall not invalidate the remaining portions of the Arbitration Provision. This Arbitration Provision shall inure to the benefit of and be binding on You and Us and its Provision shall continue in full force and effect subsequent to and notwithstanding the expiration of termination of this Service Plan. You agree that any arbitration proceeding will only consider Your Claims. Claims by, or on behalf of, other individuals will not be arbitrated in any proceeding that is considering Your Claims.

YOU AND WE UNDERSTAND AND AGREE THAT BECAUSE OF THIS ARBITRATION PROVISION NEITHER YOU NOR WE WILL HAVE THE RIGHT TO GO TO COURT EXCEPT AS PROVIDED ABOVE OR TO HAVE A JURY TRIAL OR TO PARTICIPATE AS ANY MEMBER OF A CLASS OF CLAIMANTS PERTAINING TO ANY CLAIM.

CANCELLATION OF YOUR AGREEMENT

1. YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If YOU cancel this AGREEMENT within the first sixty (60) days, WE will refund the entire AGREEMENT Purchase Price, less any claims paid. If this AGREEMENT is canceled after the first sixty (60) days, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

2. WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price;
(B) a material misrepresentation made by YOU; or (C) a substantial breach of duties by YOU under the AGREEMENT relating to the VEHICLE or its use. If this AGREEMENT is canceled by US, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

3. If the VEHICLE and this AGREEMENT have been financed, the Lienholder shown on the DECLARATION PAGE may cancel this AGREEMENT for nonpayment or if the VEHICLE is declared a total loss or is repossessed. This right of cancellation does not confer ownership of this AGREEMENT to the Lienholder or otherwise entitle the Lienholder to performance under this AGREEMENT.

TRANSFER OF YOUR AGREEMENT

This AGREEMENT is for YOUR benefit and is transferable to the next subsequent private purchaser of the VEHICLE only while the AGREEMENT is in force and if certain conditions are met. YOU may not transfer this AGREEMENT if the VEHICLE is sold or traded (retail or wholesale) to an automobile dealer or automotive wholesaler.
A completed transfer application and a fifty dollar ($50) transfer fee must be submitted to the ADMINISTRATOR within thirty (30) days of a change in ownership, along with the following:
1 A notarized copy of the documentation showing change of title and odometer reading;
2 Proof of maintenance recommended by the manufacturer; and
3 If the manufacturer’s warranty requires a transfer, a copy of the completed transfer form is needed;
4 Your original AGREEMENT Coverage Booklet and Declaration Page;
5 Name and address of the new owner.

The requisite transfer application form may be obtained from the ADMINISTRATOR. Transfer applications are subject to approval by the ADMINISTRATOR. In the event the transfer application, fee, and required documentation is postmarked after thirty (30) days of the change in ownership, then this AGREEMENT will be deemed NONTRANSFERABLE.

TRANSFER OF MANUFACTURER'S WARRANTY

YOU are responsible for the transfer and payment of applicable transfer fees to retain all manufacturers’ warranties available on the VEHICLE. Failure to transfer the manufacturer’s warranty can result in nonpayment of a CLAIM if the manufacturer’s warranty would normally have been in effect if the transfer had been made.

These special state disclosures apply if Your Agreement was delivered in one of the following states and supersedes any other provisions herein to the contrary:

ALABAMA
Under the Cancellation of Your Agreement section, paragraphs 1 and 2 are deleted and replaced by the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within fortyfive (45) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of twentyfive dollars ($25). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price; or
(B) a material misrepresentation made by YOU to US relating to the VEHICLE or its use. If this AGREEMENT is canceled by US, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the AGREEMENT number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

ALASKA
Under the Exclusions From Coverage section, item 7 is amended by adding the following:
IN ADDITION, THIS AGREEMENT DOES NOT PROVIDE COVERAGE FOR DAMAGES FOR BAD FAITH, PUNITIVE OR EXEMPLARY DAMAGES, ATTORNEYS’ FEES OR PERSONAL INJURY INCLUDING, BODILY INJURY OR PROPERTY DAMAGE (EXCEPT AS SPECIFICALLY STATED IN THE AGREEMENT).

ARIZONA
Under the Exclusions From Coverage section, item 8 is deleted and replaced with the following:
FOR REPAIR COSTS OR EXPENSES CAUSED BY THE FAILURE OF THE INSURED TO MAINTAIN PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS;
The following is added to the Arbitration Provision:
The Arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints as outlined by the Arizona Department of Insurance. To learn more about this process, YOU may contact the Arizona Department of Insurance at 2910 N. 44th St. 2nd Floor, Phoenix, AZ 850187256, Attn. Consumer Affairs.
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. A statement indicating the odometer reading at the date of the request for cancellation will be required. If YOU cancel this AGREEMENT within the first sixty (60) days, WE will refund the entire AGREEMENT Purchase Price. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

CALIFORNIA
Under the General Provisions section, item 10, Other Provisions, the following is added:
If you are not satisfied with the insurance company’s response, you may contact the California Department of Insurance at 18009274357.
NOTICE: If the Customer Care Maintenance Option has been selected, service calls are limited to the selected plan.
Under the Exclusions From Coverages, item 8 is deleted and replaced with the following:
FOR ANY MECHANICAL PROBLEMS THAT EXISTED PRIOR TO THE PURCHASE OF THIS AGREEMENT OR FOR REPAIR COSTS OR EXPENSES IF A BREAKDOWN IS DIRECTLY OR INDIRECTLY CAUSED BY THE FAILURE OF THE INSURED TO MAINTAIN PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS;
Under the Arbitration Provision, the following is added:
This Provision shall inure to the benefit of and be binding on You and Us following exhaustion of Your right to file claims with the Insurance Company and/or the California Department of Insurance (“DOI”) as specified in section General Provisions, paragraph 10, Other Provisions and the Vehicle Service Agreement Declaration Page, Other Provisions. However, if You choose to forego Your right to file Your claims with the Insurance Company and the DOI, You waive those rights and this Provision will be enforced and binding.
Under the Cancellation Of your Agreement section, paragraph 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. If this AGREEMENT is canceled after the first sixty (60) days, WE will deduct from the refund a cancellation fee equal to ten percent (10%) of the AGREEMENT Purchase Price or twentyfive dollars ($25), whichever is less. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price; (B) a material misrepresentation made by YOU; or (C) a substantial breach of duties by YOUunder the AGREEMENT relating to the VEHICLE or its use. If this AGREEMENT is canceled by US, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of ten percent (10%) or twentyfive ($25) dollars whichever is less. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear. The cancellation will be mailed postmarked before the 61st day after the date the service AGREEMENT was sold. We will provide a full refund within 30 days from date of cancellation. If a claim was made, We may provide a pro rata refund less the amount of the claim paid. The service AGREEMENT will be terminated no less than 5 days after the postmarked date of notice.

CONNECTICUT
Under the Schedule of Covered Parts, section 24Hour Roadside Assistance, paragraph 1, Towing and Wrecker Service, is amended to include the following:
Any amounts over one hundred dollars ($100) would be paid for by YOU.
The following is added to the Guide to Filing a Claim section:
If the VEHICLE is in a REPAIR FACILITY at the time of AGREEMENT expiration, the expiration date will automatically be extended until the repair is complete.
If YOU have complaints or questions regarding the AGREEMENT, YOU may contact the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 061420816, ATTN Consumer Affairs. The written complaint must contain a description of the dispute, the purchase price of the product, the cost of the repair of the product and a copy of the AGREEMENT.
Under the Cancellation of your Agreement section, paragraph 1 is amended to include the following:
WE may cancel this AGREEMENT if the VEHICLE is returned or the VEHICLE is sold, lost, stolen or destroyed.

FLORIDA
Under the Additional Benefits subsection of the Schedule of Covered Parts section, paragraph 1 is deleted and replaced by the following, in boldfaced type:
1. Substitute Transportation: In the event of a BREAKDOWN covered by this AGREEMENT, WE will pay on behalf of or reimburse YOU for receipted expenses to rent a replacement vehicle from a licensed rental agency, or for alternate public transportation while the VEHICLE is at a licensed REPAIR FACILITY in accordance with the terms and provisions of this AGREEMENT. Coverage will be provided to YOU on the following basis: WE will pay the actual expenses, not to exceed thirty dollars ($30) per day for every eight (8) labor hours, or portion thereof, flat rate labor time from a nationally recognized labor manual, for the labor time authorized to complete the repair, not to exceed one hundred eighty dollars ($180) for each repair visit. This coverage does not apply to the waiting parts or other delays that are beyond the control of the REPAIR FACILITY.
The Arbitration Provision section of this AGREEMENT is stricken in its entirety.
Under the Cancellation of Your Agreement section, paragraphs 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days, WE will refund the entire AGREEMENT Purchase Price, less any CLAIMS paid and less a cancellation fee equal to five percent (5%) of the AGREEMENT Purchase Price or fifty dollars ($50), whichever is less. If this AGREEMENT is canceled after the first sixty (60) days, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee equal to ten percent (10%) of the pro rata refund or fifty dollars ($50), whichever is less. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
WE may cancel this AGREEMENT based on one or more of the following reasons: (A) there has been a material misrepresentation or fraud at the time of sale of this AGREEMENT; (B) YOU have failed to maintain the VEHICLE as prescribed by the manufacturer; (C) the odometer has been tampered with or disabled and YOU have failed to repair the odometer; or (D) for nonpayment of the AGREEMENT Purchase Price by YOU, in which case WE shall provide YOU with a notice of cancellation by certified mail. If this AGREEMENT is canceled by US, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

Under the Transfer of Agreement section, paragraph 2 is deleted and replaced with the following:
A completed transfer application and a forty dollar ($40) transfer fee must be submitted to the ADMINISTRATOR within thirty (30) days of a change in ownership, along with the following:
1 A notarized copy of the documentation showing change of title and odometer reading;
2 Proof of maintenance recommended by the manufacturer; and
3 If the manufacturer’s warranty requires a transfer, a copy of the completed transfer form.

GEORGIA
The Arbitration Provision section of this AGREEMENT is stricken in its entirety.
Under the Exclusions From Coverage section, item 2 is deleted and replaced with the following:
FOR REPAIR COST OR EXPENSES IF THE ODOMETER OF THE VEHICLE BREAKS OR BECOMES INOPERABLE OR UNRELIABLE FOR ANY REASON AND ODOMETER REPAIRS WERE NOT MADE IMMEDIATELY AT THE TIME OF FAILURE, OR IF THE ODOMETER HAS BEEN TAMPERED WITH, DISCONNECTED OR ALTERED IN ANY WAY, WHILE OWNED BY YOU SUBSEQUENT TO THE PURCHASE OF THIS AGREEMENT;
Under the Exclusions From Coverage section, item 8 is deleted and replaced with the following:
FOR ANY MECHANICAL PROBLEMS THAT EXISTED PRIOR TO THE PURCHASE OF THIS AGREEMENT AND WERE KNOWN TO YOU, OR BY THE FAILURE OF THE INSURED TO MAINTAIN PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS;
Under the Exclusions From Coverage section, the SLUDGE exclusion is removed from paragraph 10.
Under the Cancellation of Your Agreement Section, paragraph 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear. If YOU have not received YOUR refund from US or the ADMINISTRATOR within sixty (60) days of cancellation, YOU may contact the Insurance Company identified on the DECLARATION PAGE.
WE may cancel this AGREEMENT based on one or more of the following reasons: (A) for fraud or a material misrepresentation made by YOU; or (B) for nonpayment of the AGREEMENT Purchase Price. If WE cancel this AGREEMENT, WE will mail written notice of cancellation to YOU at least ten (10) days prior to the effective date of cancellation if this AGREEMENT is canceled due to nonpayment of the AGREEMENT Purchase Price, or thirty (30) days prior to the effective date of cancellation if this AGREEMENT is canceled for any other reason. WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

HAWAII
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within fortyfive (45) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

IDAHO ILLINOIS
Under the Definitions section, the definition of BREAKDOWN is amended to include the following:
It does not include a gradual reduction in operating performance due to wear and tear.
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price, less a cancellation fee of fifty dollars ($50) or ten percent (10%) of the AGREEMENT Purchase Price, whichever is less. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50) or ten percent (10%) of the AGREEMENT Purchase Price, whichever is less. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

INDIANA
YOUR proof of payment to US or the ADMINISTRATOR which issued this AGREEMENT shall be considered proof of payment to the Insurance Company identified on the DECLARATION PAGE which guarantees OUR obligations to YOU, provided such insurance was in effect at the time YOU purchased this AGREEMENT.

IOWA
Notice: The Iowa Commissioner of Insurance may be contacted at the following address: Iowa Insurance Division, 330 Maple Street, Des Moines, Iowa 503190065.
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following: YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If YOU cancel this AGREEMENT within the first sixty (60) days, WE will refund the entire AGREEMENT Purchase Price, less any CLAIMS paid within 30 days of the return of the AGREEMENT. A ten percent (10%) penalty shall be added each month to a refund that is not paid to YOU within thirty (30) days after return of this AGREEMENT. If this AGREEMENT is canceled after the first sixty (60) days, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear. We will mail written notice of cancellation within 15 days of the date of cancellation.

LOUISIANA
The Arbitration Provision section of this AGREEMENT is stricken in its entirety.
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the ADMINISTRATOR or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by You within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed. WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

MARYLAND
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If YOU cancel this AGREEMENT within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within thirty (30) days after return of this AGREEMENT to the ADMINISTRATOR or US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear. The right to cancel this AGREEMENT is nontransferable and shall apply only to the original AGREEMENT holder.

MASSACHUSETTS
NOTICE TO AGREEMENT HOLDER: PURCHASE OF THIS AGREEMENT IS NOT REQUIRED IN ORDER TO REGISTER OR FINANCE A VEHICLE. THE BENEFITS PROVIDED MAY DUPLICATE EXPRESS MANUFACTURER’S OR SELLER’S WARRANTIES THAT COME AUTOMATICALLY WITH EVERY SALE. THE SELLER OF THIS COVERAGE IS REQUIRED TO INFORM YOU OF ANY WARRANTIES AVAILABLE TO YOU WITHOUT THIS AGREEMENT.

MINNESOTA
Under the General Provisions section, item 9 is deleted and replaced with the following:
In order to keep this AGREEMENT in effect, YOU must have the VEHICLE checked and serviced in accordance with the manufacturer’s recommendations. Failure to follow such recommendations will result in a denial of coverage. YOU must retain verifiable receipts for the maintenance services performed. If YOU perform the actual services, then verifiable receipts showing purchases of all required parts and materials necessary to perform the maintenance must be retained, along with a statement showing the date and mileage when the services were performed. Proof of maintenance will be required to be submitted to US when a CLAIM is filed.
If the owner’s manual did not come with the sale of the vehicle, you must follow the maintenance schedule listed below. Failure to follow such recommendations will result in a denial of coverage.
Required Maintenance – To maintain your vehicle, you should always follow your owner’s manual instructions, as it is full of information that applies directly to your vehicle. If an owner’s manual is not available, you should perform these procedures at a minimum and coverage will be in force.
Every 3 months or 3,500 miles – Change engine oil and oil filter; inspect air filter and replace if necessary Every 6 months or 7,000 miles – Lubricate chassis (if applicable); fluid levels for brakes, power steering, and transmission Every 24 months or 30,000 miles – Change transmission fluid and filter.
Minnesota Statutes 325F.662, subd.2 provides for express warranty coverage on used vehicles as follows:
Used vehicles with less than 36,000 miles at the time of sale:
Provides coverage for 60 days or 2,500 miles, whichever occurs first.
Used vehicles with 36,000 miles or more, but less than 75,000 miles at the time of sale:
Provides coverage for 30 days or 1,000 miles, whichever occurs first.
All coverage provided for your vehicle under this motor vehicle service AGREEMENT shall exclude coverage currently in force under any
express warranty providing the same coverage for such vehicle as outlined above.

Engine: Lubricated Parts; Intake Manifolds; Engine Block; Cylinder Heads; Rotary Engine Housings; and Ring Gear; Water Pump;
and Externally Mounted Mechanical Fuel Pump.
Transmission: Case; Internal Parts; Torque Converter; and the Manual Transmission Case and Internal Parts.
Drive Axle: Axle Housings and Internal Parts; Axle Shafts; Drive and Output Shafts; and Universal Joints; but excluding the
Secondary Drive Axle on vehicles other than passenger vans, mounted on a truck chassis.
Brakes: Master Cylinder; Vacuum Assist Booster; Wheel Cylinders; Hydraulic Lines and Fittings; and Disc Brake Calipers.
Steering: Gear Housing and all Internal Parts; Power Steering Pump; Valve Body; and Piston.

Note: In addition, the following parts are covered on vehicles with less than 36,000 miles: Steering Rack; Radiator; Alternator;
Generator; and Starter.

The above coverages are excluded from this AGREEMENT during the applicable warranty period, unless the automobile dealer
becomes unable to meet its obligations. YOUR rights and obligations should be fully explained in the dealerissued used vehicle
limited warranty document.

Under the Exclusions From Coverage section, item 2 is deleted and replaced with the following:

IF, WHILE THE VEHICLE IS OWNED BY YOU, THE ODOMETER OF THE VEHICLE BREAKS OR BECOMES INOPERABLE OR UNRELIABLE FOR ANY REASON AND ODOMETER REPAIRS WERE NOT MADE IMMEDIATELY AT THE TIME OF FAILURE, OR IF THE ODOMETER HAS BEEN TAMPERED WITH, DISCONNECTED OR ALTERED IN ANY WAY;

Under the Exclusions From Coverage section, item 3 is deleted and replaced with the following:
FOR REPAIR COSTS OR EXPENSES IF, WHILE OWNED BY YOU, THE VEHICLE HAS BEEN USED FOR THE FOLLOWING PURPOSES, REGARDLESS OF WHETHER THE OPTIONAL COMMERCIAL USE COVERAGE WAS PURCHASED: POLICE OR LAW ENFORCEMENT SERVICES, FIRE, AMBULANCE OR EMERGENCY SERVICES, TAXI, LIMOUSINE OR SHUTTLE SERVICES, PICKUP AND/OR DELIVERY OPERATIONS, RACING, NEWSPAPER OR MAIL DELIVERY, RENTAL SERVICES, CONSTRUCTION, SECURITY SERVICES, SNOW REMOVAL OR SNOW PLOWING, CABLE OR LINE INSTALLATION, OR HAULING FOR HIRE, OR IF THE VEHICLE HAS BEEN USED FOR HAULING TRAILERS IN EXCESS OF THE MANUFACTURER’S RATED CAPACITY OR HAULING TRAILERS WITHOUT SUITABLE EQUIPMENT, OR IF THE REQUIREMENTS IN THE MANUFACTURER’S MANUAL FOR VEHICLES USED TO PULL TRAILERS ARE NOT FOLLOWED;
Under the Exclusions From Coverage section, item 6 is deleted and replaced with the following:
FOR REPAIR COSTS OR EXPENSES IF, WHILE OWNED BY YOU, THE VEHICLE HAS BEEN ABUSED OR NEGLECTED, OR ANY PART OF IT HAS BEEN SUBJECT TO ALTERATION OR ACCIDENT, OR FOR ANY ACCIDENTAL LOSS OR DAMAGE RESULTING FROM COLLISION OR UPSET, FALLING MISSILES OR OBJECTS, FIRE, THEFT, ARSON, EXPLOSION, LIGHTNING, EARTHQUAKE, WINDSTORM, ICE, HAIL, WATER, FLOOD, CONTAMINATION, MALICIOUS MISCHIEF, VANDALISM, RIOT OR CIVIL COMMOTION, OR IF THE VEHICLE IS A TOTAL LOSS, HAS BEEN REPOSSESSED OR IS THE SUBJECT OF A REPOSSESSION ACTION, OR FROM ANY OTHER CAUSE WHATSOEVER, EXCEPT AS OUTLINED IN THIS AGREEMENT;
Under the Exclusions From Coverage section, item 8 is deleted and replaced with the following:
FOR REPAIR COSTS OR EXPENSES IF A BREAKDOWN IS DIRECTLY OR INDIRECTLY CAUSED BY OVERHEATING OF ANY COVERED PART OR NONCOVERED PART OR BY THE FAILURE OF THE INSURED TO MAINTAIN PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS;
Under the Exclusions From Coverage section, item 9 is deleted in its entirety.
Under the Exclusions From Coverage section, item 10 is deleted and replaced with the following:
FOR ANY REPAIR COSTS DUE TO CONTAMINATION OF ANY KIND, DETONATION, PREIGNITION, ELECTROLYSIS, RATTLES, WATER LEAKS, WIND NOISES;
Under the Exclusions From Coverage section, item 11 is deleted and replaced with the following:
CLUTCH ASSEMBLY, MANUAL PLATE AND THROWOUT BEARING; TUNE UP, BATTERY CABLES, AIR FILTERS; OIL FILTER; COOLANTS, FLUIDS, THERMOSTAT, IF NOT IN CONNECTION WITH A COVERED REPAIR; SPARK PLUGS, PLUG WIRES, GLOW PLUGS, DRIVE BELTS, RUBBER HOSES, EXHAUST PIPES, CATALYTIC CONVERTER, EGR VALVE, MUFFLERS, RESONATORS; ALIGNMENTS, WHEEL BALANCING, SHOCK ABSORBERS, WHEELS AND COVERS; CONTAMINATION OF ANY KIND, HAZARDOUS WASTE REMOVAL, DETONATION, PREIGNITION, ELECTROLYSIS; SEALED BEAMS, LIGHT BULBS, LENSES, BATTERY, NONFACTORY INSTALLED AUDIO SYSTEMS AND DISC PLAYERS; CAR PHONES, AUDIO/VISUAL SYSTEMS, COMPUTERS, BRIGHT METAL PARTS, RUBBER MOLDINGS, WEATHER STRIPS, METAL, GLASS, PLASTIC, TRIM, UPHOLSTERY, VINYL TOP, WIPER BLADES, WIPER ARMS, CARPET, ASH TRAYS, CUP HOLDERS, NORMAL MAINTENANCE ITEMS OR SERVICES; RATTLES, WATER LEAKS, WIND NOISES, ANY NONFACTORY INSTALLED PARTS, CONVERTIBLE TOP, SAFETY RESTRAINT SYSTEMS (AIR BAGS OR SEAT BELTS) OR PART THEREOF; CHARGES FOR SHOP SUPPLIES OR FREIGHT CHARGES.
The Arbitration Provision section of this AGREEMENT is stricken in its entirety.
Under the Cancellation of Your Agreement, paragraph 2, item B is deleted and replaced with the following:
(B) a material misrepresentation made by you in the submission of a claim; or

MISSISSIPPI
The Arbitration Provision section of this AGREEMENT is stricken in its entirety.

MISSOURI
Under the General Provisions section, item 10 is amended to include the following:
Please call 18008522244 for instructions on how to file a CLAIM directly with the Insurance Company.
Under the Cancellation of Your Agreement section, paragraphs 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price; (B) a material misrepresentation made by YOU; or (C) a substantial breach of duties by YOU under the AGREEMENT relating to the VEHICLE or its use. If this AGREEMENT is canceled by US, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
The Transfer of Your Agreement section is deleted and replaced with the following:
This AGREEMENT is for YOUR benefit and is transferable to the next subsequent private purchaser of the VEHICLE only while the AGREEMENT is in force and if certain conditions are met. YOU may not transfer this AGREEMENT if the VEHICLE is sold or traded (retail or wholesale) to an automobile dealer or automotive wholesaler.
A completed transfer application must be submitted to the ADMINISTRATOR within thirty (30) days of a change in ownership, along with the following:
1 A notarized copy of the documentation showing change of title and odometer reading;
2 Proof of maintenance recommended by the manufacturer; and
3 If the manufacturer’s warranty requires a transfer, a copy of the completed transfer form.

The requisite transfer form may be obtained from the ADMINISTRATOR. Transfer applications are subject to approval by the ADMINISTRATOR. In the event the transfer application and required documentation is postmarked after thirty (30) days of the change in ownership, then this AGREEMENT will be deemed NONTRANSFERABLE.

NEVADA
Notice: This AGREEMENT is not subject to renewal.
Under the General Provisions section, item 4 (Limits of Liability) is deleted and replaced with the following:
a. Single Claim Limit: OUR liability with respect to any one CLAIM is limited to the market value of the VEHICLE according to the NADA retail value at the time of the current repair.
b. Aggregate Limit: OUR liability with respect to the total of all benefits paid or payable while this AGREEMENT is in force shall not exceed the Vehicle Purchase Price, as shown on the DECLARATION PAGE.

Under the Cancellation of Your Agreement section, paragraphs 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price paid within fortyfive (45) days after the return of this AGREEMENT to the ADMINISTRATOR or to US. If WE fail to refund the AGREEMENT Purchase Price within that time, WE will pay to YOU a penalty in the amount of ten percent (10%) of the Agreement Purchase Price for each thirty (30) day period or portion thereof that the refund and any accrued penalties remain unpaid. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
WE may cancel this AGREEMENT based on one or more of the following reasons: (A) if YOU fail to pay an amount when due; (B) if YOU are convicted of a crime which results in an increase in the service required under this AGREEMENT; (C) discovery of fraud or material misrepresentation by YOU in obtaining this AGREEMENT or in presenting a CLAIM for service; (D) discovery of an act or omission by YOU or if YOU violate any condition of this AGREEMENT after the effective date of this AGREEMENT which substantially and materially increases the service required under this AGREEMENT; or (E) a material change in the nature or extent of the required service or repair which occurs after the effective date of this AGREEMENT which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time the AGREEMENT was issued or sold. If We cancel this AGREEMENT based on one or more of the above reasons, WE will mail written notice of cancellation to YOU at least fifteen (15) days prior to the effective date of cancellation. WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

NEW HAMPSHIRE
In the event you do not receive satisfaction under this Plan, you may contact the New Hampshire Insurance Department at 21 South Fruit Street, Suite 14, Concord NH 03301, (800) 8523416.

NEW MEXICO
Under the Cancellation of Your Agreement section, paragraph 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If YOU cancel this AGREEMENT within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within thirty (30) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price; (B) a material misrepresentation made by YOU; or (C) a substantial breach of duties by YOU under the AGREEMENT relating to the VEHICLE or its use. If this AGREEMENT is canceled by US, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear. A fifteen day (15) notice will be given if WE cancel this AGREEMENT.

NEW YORK
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within thirty (30) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of twentyfive dollars ($25). In the event of cancellation, the Lien holder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

NORTH CAROLINA
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire Agreement Purchase Price, less a cancellation fee of fifty dollars ($50) or ten percent (10%) of the refund amount, whichever is less. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50) or ten percent (10%) of the prorata refund amount, whichever is less. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

OKLAHOMA
Disclosure Statement: This AGREEMENT is not issued by the manufacturer or wholesale company marketing the product. This AGREEMENT will not be honored by such manufacturer or wholesale company.
Under the Cancellation of Your Agreement section, paragraphs 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee equal to ten percent (10%) of the prorata refund or fifty dollars ($50), whichever is less. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price; (B) a material misrepresentation made by YOU; or (C) a substantial breach of duties by YOU under the AGREEMENT relating to the VEHICLE or its use. If this AGREEMENT is canceled by US, WE will refund one hundred percent (100%) of the unearned AGREEMENT Purchase Price to YOU. No claim incurred or paid shall be deducted from the amount of the refund. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

SOUTH CAROLINA
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within fortyfive (45) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
Notice: In the event you have a question or complaint, you may contact the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina, 29202, Telephone (800) 7683467.

TEXAS
Notice: If YOU have complaints or questions regarding this AGREEMENT, YOU may contact the Texas Department of Licensing and Regulation at the following address and telephone number: Texas Department of Licensing and Regulation, Post Office Box 12157, Austin, Texas 78711; 5124636599 or 8008039202.
The obligations under this Contract are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, 11222 Quail Roost Drive, Miami, FL 33157. In the event any covered service is not paid within 60 days after proof of loss has been filed, or if a refund or credit is not paid before the 46th day after the date on which the contract is returned to US, YOU may apply directly to American Bankers Insurance Company of Florida.
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within fortyfive (45) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

UTAH
Notice: Coverage afforded under this AGREEMENT is not guaranteed by the Property and Casualty Guaranty Association.
Under the Guide to Filing a Claim section, item B (4) is amended to include the following:
YOUR failure to submit repair orders and other documentation within sixty (60) days of the repair will not automatically invalidate
YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file the documents within such time period.

Under the Guide to Filing a Claim section, item C (2) is amended to include the following:
YOUR failure to submit a paid receipt within sixty (60) days of the service or repair will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file the documents within such time period.
Under the Guide to Filing a Claim section, item D (3) is amended to include the following:
YOUR failure to submit the requested items within sixty (60) days of the service will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file the documents within such time period.

The Arbitration Provision section of this AGREEMENT is stricken in its entirety.
Under the Cancellation of Your Agreement, paragraph 2 is deleted and replaced with the following:
WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price; (B) a material misrepresentation made by YOU; or (C) a substantial breach of contractual duties, conditions, or warranties by YOU under the AGREEMENT relating to the VEHICLE or its use, or (D) substantial change in the risk assumed, unless the insurer should reasonably have foreseen the change or contemplated the risk when entering into the AGREEMENT. If WE cancel this AGREEMENT, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
Under the Cancellation of Your Agreement, paragraph 3 is deleted in its entirety.

WASHINGTON
Under the General Provisions section, item 8 is deleted and replaced with the following:
Subrogation Provision: In the event that coverage is provided under this AGREEMENT, WE shall be subrogated to all the rights YOU may have to recover against any person or organization arising out of any safety defect which is the subject of a voluntary or mandatory recall campaign, as well as out of any order, judgment, consent decree, or other settlement, and YOU shall execute and deliver instruments and papers and do whatever is necessary to secure such rights. YOU shall do nothing to prejudice those rights. Further, after YOU have been made whole, all amounts recovered by YOU for which YOU have also received benefits under this AGREEMENT shall belong to, and be paid to US, up to the amount of benefits paid under this AGREEMENT.
Under the General Provisions section, item 10 is deleted and replaced with the following:
Other Provisions: This AGREEMENT is not an insurance policy. However, OUR obligations under this AGREEMENT are guaranteed by an insurance policy. The name and address of the Insurance Company that issued the policy and the number of the policy are identified on the DECLARATION PAGE of this AGREEMENT. If a covered CLAIM is not paid, YOU may file a CLAIM directly with the Insurance Company.
Under the Cancellation of Your Agreement section, paragraphs 1 and 2 are deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the Selling Dealer or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty shall be added to a refund that is not paid or credited within thirty (30) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.
WE may cancel this AGREEMENT based on one or more of the following reasons: (A) nonpayment of the AGREEMENT Purchase Price; (B) a material misrepresentation made by YOU; or (C) a substantial breach of duties by YOU under the AGREEMENT relating to the VEHICLE or its use. If WE cancel this AGREEMENT, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation. In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear. Written notice of such cancellation shall include the actual reason for cancellation and shall be mailed or delivered to YOU not less than ten (10) days prior to the effective date of cancellation, where such cancellation is for nonpayment of the AGREEMENT Purchase Price, or not less than fortyfive (45) days prior to the effective date of cancellation, where such cancellation is for any other reason.
Note: You are not required to wait sixty (60) days before filing any claim covered by this Plan with the insurance company identified above.

WISCONSIN
NOTICE: THIS WARRANTY IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.
Under the General Provisions section, item 8 is deleted and replaced with the following:
Subrogation Provision: In the event that coverage is provided under this AGREEMENT, WE shall be subrogated to all the rights YOU may have to recover against any person or organization arising out of any safety defect which is the subject of a voluntary or mandatory recall campaign, as well as out of any order, judgment, consent decree, or other settlement, and YOU shall execute and deliver instruments and papers and do whatever is necessary to secure such rights. YOU shall do nothing to prejudice those rights.

Further, after YOU have been made whole, all amounts recovered by YOU for which YOU have also received benefits under this
AGREEMENT shall belong to, and be paid to US, up to the amount of benefits paid under this AGREEMENT.

Under the Guide to Filing a Claim section, item B (4) is amended to include the following:
YOUR failure to submit repair orders and other documentation within sixty (60) days of the repair will not automatically invalidate
YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file the documents within such time period.

Under the Guide to Filing a Claim section, item C (2) is amended to include the following:
YOUR failure to submit a paid receipt within sixty (60) days of the service or repair will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file the documents within such time period.
Under the Guide to Filing a Claim section, item D (3) is amended to include the following:
YOUR failure to submit the requested items within sixty (60) days of the service will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file the documents within such time period.
Under the Exclusions From Coverage section, item 1 is deleted and replaced by the following:
FOR REPAIR COSTS OR EXPENSES REPORTED OR MADE AFTER THE EXPIRATION OF THE TERM OF THIS AGREEMENT OR NOT AUTHORIZED BY THE ADMINISTRATOR, IF WE ARE PREJUDICED THEREBY;
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the ADMINISTRATOR or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.

WYOMING
The Arbitration Provision section of this AGREEMENT is stricken in its entirety.
Under the Cancellation of Your Agreement section, paragraph 1 is deleted and replaced with the following:
YOU may cancel this AGREEMENT by returning it to the ADMINISTRATOR or directly to US. An odometer statement indicating the odometer reading at the date of the request for cancellation will be required. If this AGREEMENT is canceled by YOU within the first sixty (60) days and no CLAIMS have been filed, WE will refund the entire AGREEMENT Purchase Price. A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within fortyfive (45) days after return of this AGREEMENT to the ADMINISTRATOR or to US. If this AGREEMENT is canceled after the first sixty (60) days or a CLAIM has been filed, WE will refund the unearned AGREEMENT Purchase Price to YOU calculated on a pro rata basis. The refund will be equal to the lesser amount produced using either the number of days the AGREEMENT was in force or the number of miles the VEHICLE was driven prior to cancellation, less a cancellation fee of fifty dollars ($50). In the event of cancellation, the Lienholder identified on the DECLARATION PAGE, if any, will be named on a cancellation refund check as its interest may appear.