Purchase of this Contract is not required in order to purchase or obtain financing for the vehicle. This Contract is not issued by the manufacturer or wholesale company marketing the vehicle. This Contract will not be honored by such manufacturer or wholesale company.

- CONTRACT HOLDER OBLIGATIONS-

• The Contract Holder hereby authorizes the Participating Lender to: (1) be listed as joint payee and receive any refund in the event this Contract is canceled, or (2) to cancel this Contract in the event the Contract Holder defaults in his/her obligations to such lender.

• In order for this Contract to remain in force, the Contract Holder is required to follow the vehicle manufacturer’s required maintenance schedule. Some vehicle manufacturers require that the Timing Belt be changed at a specific interval. Contract Holder must follow the vehicle manufacturer’s maintenance guidelines to avoid denial of a claim because of improper maintenance. The Contract Holder must keep and make available verifiable, signed service/purchase receipts that show that this maintenance has been performed within the time and mileage limit requirements.

• The Contract Holder and the Repair Facility are required to obtain from the Warranty Provider, and an authorization number prior to beginning any repair covered by this Contract.

• The Contract Holder is responsible for paying a $100 deductible for each visit to the Repair Facility, unless lower deductible option has been purchased.

• The Contract Holder is responsible for authorizing and paying for any tear down or diagnosis time needed to determine if the vehicle has a covered Breakdown. If it is subsequently determined that the repair is needed due to a covered Breakdown, the Provider will pay for such tear down or diagnosis. If the failure is not a covered Breakdown, the Contract Holder is responsible for payment of such tear down or diagnosis.

UPP Platinum Blended

- PROVIDER OBLIGATIONS-

If a covered Mechanical Breakdown of the vehicle occurs during the term of this Contract, the Provider will:

• Pay the Contract Holder or the Repair Facility for repair or replacement, as the Warranty Provider, deems appropriate, of the Covered Part(s) which caused the Breakdown if the Contract Holder has met his/her obligations as described in this Contract and if the Breakdown is not excluded under the exclusions section of this Contract. Replacement parts can be of like kind and quality. This may include the use of new or remanufactured parts as determined by the Warranty Provider.

• Rental reimbursement is based on labor time charged to do the repair(s). Rental will not be authorized until the repairs have been authorized by the Warranty Provider One (1) day rental is allowed for parts delay, inspection of breakdown, and/or four (4) hours to do repairs. An additional day of rental will be authorized for every additional eight (8) hours of labor time charged to do the repairs. TO RECEIVE RENTAL BENEFITS THE CONTRACT HOLDER MUST SUPPLY the Warranty Provider, WITH HIS/HER RECEIPT FROM A LICENSED RENTAL AGENCY. The limit on this reimbursement is up to $50 per day for up to three (3) days per Breakdown or series of Breakdowns related in time or cause.

• Reimburse the Contract Holder for motel and restaurant expenses up to $50 per day for a maximum of three (3) days in the event of a Breakdown covered by the Contract, which occurs more than one hundred (100) miles from your home and results in a Repair Facility keeping the vehicle overnight. The maximum benefit per occurrence is $150. TO RECEIVE MOTEL AND RESTAURANT REIMBURSEMENT, THE CONTRACT HOLDER MUST SUPPLY the Warranty Provider, WITH HIS/HER RECEIPTS FROM THE PROVIDERS OF SUCH SERVICES.

- COVERED PARTS-

This Contract covers ONLY the components/parts listed below: (1)ENGINE. (a) Engine head(s); engine block; cylinder barrels; timing cover; valve cover(s); oil pan; dipstick & tube, ONLY if damaged by the failure of a lubricated internal part. (b) The following lubricated internal parts: pistons, pins & rings, connecting rods & bearings; crankshaft & main bearings; camshaft, followers & cam bearings; push rods, valves, springs, replaceable guides, seats & lifters; rocker arms, shafts & bushings; timing gear, chain, tensioners & retainers; eccentric shaft; oil pump. (c) Also covered are the following: timing belt; serpentine belt; water pump; intake & exhaust manifolds; engine mounts & cushions; engine torque strut; harmonic balancer; flywheel (flexplate) & flywheel ring gear; mechanical fuel pump; dipstick & tube; all pulleys. (d) All lubricated internal parts of the vehicle manufacturer installed turbo-charger or supercharger. The housing is covered ONLY if damaged by the failure of a lubricated internal part. (2) TRANSMISSION. (a) Transmission case, transfer case & torque converter case, ONLY if damaged by the failure of a lubricated internal part. (b) All lubricated internal parts contained within the cases. (c) Computer modules & solenoids; filler tube & dipstick; vacuum modulator; internal linkage. (3) DRIVE AXLE. (a) Differential housing, transaxle housing & final drive housing, ONLY if damaged by the failure of a lubricated internal part. (b) All lubricated internal parts contained within the housings. (c) Axle shafts; constant velocity joints (CV); universal joints; drive shafts; locking hubs; locking rings; supports, retainer & bearings. (4) ELECTRICAL. Alternator; combination turn signal switch; controllers; cruise control transducer, engagement switch & servo; distributor; gauges; horn buttons & horns; motors; pole pieces; power door locks; pumps; relays; solenoids; speed sensor; starter; switches; voltage regulator; window defroster; window regulators; wiring harnesses. (5) STEERING. (a) Gear housing ONLY if damaged by the failure of a lubricated internal part. (b) All lubricated internal parts including: rack & pinion; power steering pump. (c) Main & intermediate shafts; couplings; cooler & cooler lines; power cylinder; Pitman arm; idler arm; tie rod & tie rod ends, link & control valve. (6) AIR CONDITIONING. Compressor; condensor; clutch pulley & clutch coils; evaporator; POA valve; accumulator; orifice; “H” valve; expansion valve; serpentine belt tensioner; temperature control programmer; power module; idler pulley & bearing; ducts & outlet hoses; blower motor; receiver/dryer. If the air conditioning system is unable to be repaired due to the shortage, unavailability, or restriction of CFCs by Federal Mandate (i.e. freon, R-12) then we do not have any further obligation for repair of the air conditioning system under this Contract. We have no obligation to install a retrofit kit on your vehicle that would allow use of any alternative to CFCs.

(7) SUSPENSION. Upper & lower control arms, shafts & bushings; upper & lower ball joints; steering knuckles; stabilizer shaft, linkage & bushings; kingpin & bushings; spindle & spindle supports; torsion bars, coil & leaf springs; wheel bearings. (8) BRAKES. Master cylinder; power assist booster; vacuum assist booster pump; wheel cylinders; combination (proportioning) valves; hydraulic lines & fittings; disc calipers; power brake cylinder backing plates; springs, clips and retainers; self-adjusters; parking brake linkage and cables; and rear actuators. (9) ELECTRONIC HIGH-TECH. Level control compressor, sensors & limiter valve; pneumatic suspension pump, sensors & valves; ignition module; spark control detonation sensors & controller; integrated circuit chips; driver information display & module; keyless entry system; electronic coil packs; moisture control unit & sensors; anti-detonation sensors; vehicle manufacturer installed anti-theft device; the following parts of the Anti-locking Brake System (“ABS”): electronic wheel sensors; pump & pressure control module. (10) COOLING. Radiator; fan & fan clutch. (11) FUEL DELIVERY. Fuel injectors; fuel pumps; fuel lines; fuel tank; pressure regulator. (12) SEALS, SEALING BOOTS & GASKETS. For the components/parts listed above. (13) AUDIO CENTER. Vehicle manufacturer installed (in dash) entertainment chassis modules including radios, magnetic tape players/recorders, compact disc players, graphic equalizers. Coverage does not include video equipment or remote compact disc players.

- BENEFITS - The following additional benefits are provided with your Agreement, except where prohibited by law. Your Agreement provides you with an emergency road service program when needed 24 hours a day, 365 days a year. Dispatch service will be provided by “Signature’s Nationwide Auto Club”, a GE Financial Assurance Company. When your vehicle becomes disabled, just call 866-222-7869 and a service vehicle will be dispatched to you. Simply sign for the service and go on your way. There is a combined $400 limit for auto club benefits for the term of your Agreement.

TOWING SERVICE When your vehicle cannot be started or driven, or is in an accident, you are covered up to fifty dollars ($50) per occurrence.

EMERGENCY TIRE SERVICE - Whenever you have a flat or damaged tire, you are covered up to a maximum of thirty-five dollars ($35) per occurrence for the service provider to change the inflated spare from mount to wheel.

UPP Platinum Blended

LOCKOUT SERVICE - Misplaced, broke, or accidentally locked your keys in the vehicle? Dispatch will provide locksmith or emergency vehicle service to assist you. Independent Service Providers’ vehicles are equipped to provide locksmith service. This service is limited to fifty dollars ($50) per occurrence.

BATTERY SERVICE - In the event the battery for your vehicle fails, battery services will be provided to a maximum of thirty-five dollars ($35) per occurrence. Independent Service Providers’ vehicles are ALL equipped to boost batteries as well as perform minor adjustments to batteries, starters, and alternators.

FUEL DELIVERY SERVICE - At Your Service will deliver oil, fuel, or water to the site of the member. The member is responsible for the cost of the fuel. In the event that local state regulations prohibit the delivery of flammable materials (i.e. gas), At Your Service will tow your vehicle to the nearest gas station within the limits of your towing coverage. These delivery services are limited to thirty-five dollars ($35) per occurrence.

WINCHING -Winching services will provide winching service within 100 feet of the roadside (excludes off-road driving). Winching services are limited to thirty-five dollars ($35) per occurrence.

- EXCLUSIONS - WHAT THIS VEHICLE SERVICE CONTRACT DOES NOT COVER- This Contract does not cover the following: Repair or replacement of a covered component/part to correct conditions that may reasonably be assumed to have existed at the inception date of the coverage provided by this Contract (Pre-existing conditions); A Breakdown caused by lack of manufacturer’s specified maintenance; A Breakdown caused by contamination of or lack of proper fuels, fluids, coolants or lubricants, including a Breakdown caused by a failure to replace seals or gaskets in a timely manner; Repair of any parts used, added or replaced during a covered repair which are not necessary to the completion of the covered repair or were not damaged by the failure of a Covered Part (Such replacement is considered betterment and is not covered by this Contract); Any cost covered by a repairer’s or supplier’s guarantee, or any cost which would normally be covered by a manufacturer’s warranty; Cost or other damages caused by continued vehicle operation after the failure of a Covered Part or the failure to replace a worn part that has not failed; Any liability, cost or damages the Contract Holder may incur to the benefit of any third parties other than the Warranty Provider,-approved repair or replacement of Covered Parts which caused a Breakdown; A Breakdown caused by overheating, rust or corrosion; A Breakdown caused by collision, fire, electrical fire or meltdown, theft, freezing, vandalism, flood, or for any hazard insurable under standard physical damage insurance policies whether or not such insurance is in force with respect to the vehicle; Loss of use, loss of time, loss profits or savings, inconvenience, commercial loss, or other incidental or consequential damages or loss that results from a Breakdown; Liability for damage to property, or for injury to or death of any person arising out of the operation, maintenance or use of the vehicle, whether or not related to a Breakdown; Any costs or other benefit for which the manufacturer has announced its responsibility through any means including public recalls or factory service bulletins; Any part not covered by, or excluded by the original vehicle manufacturer's warranty; A gradual reduction in operating performance due to normal wear and tear, such as to guides, valves, rings, and transmission clutch pack discs and bands, unless the Wear & Tear Option has been purchased (Wear and Tear is defined as damage to a component that hasn’t failed but doesn’t meet the manufacturer’s tolerances or specifications); Vehicles that have been modified in a manner that increases the likelihood of a Breakdown; Consequential damage of a covered component by a non-covered component is not covered; failure of a non-covered component caused by a covered component is not covered; Continued operation of an impaired vehicle which causes further damage is not covered.

- COMMERCIAL USE DEFINED- A Commercial Use vehicle is defined as a vehicle registered to a business and/or for business purposes. Vehicles that are used in excess of manufacturer's g.v.w. or for excessive hauling and pulling are excluded from coverage hereunder. Tow trucks, snowplows, taxis, and police vehicles are specifically excluded from coverage hereunder.

- HOW THIS CONTRACT MAY BE CANCELED, INCLUDING REFUNDS AND CHARGES- The Contract Holder may cancel this Contract by contacting the Warranty Provider. The Contract Holder may cancel this Contract within thirty (30) days of the Contract Purchase Date [within sixty (60) days if this Contract was purchased in California and the manufacturer’s warranty was in effect on the Contract Purchase Date], if no claim has been made, and receive a full refund of the Total Contract Purchase Price, less the applicable cancellation fee. The Contract Holder may cancel this Contract at any other time and receive a pro rata refund of the Total Contract Purchase Price based on the greater of the days in force or the miles driven compared to the Total Contract Term, less the applicable cancellation fee and claims paid. The Term of this Contract for cancellation purposes will be based on the date of purchase of the vehicle and the vehicle mileage on such date. the Warranty Provider, is primarily liable to provide any refund under this Contract. If this Contract was purchased in Arizona, Georgia or North Carolina, the refund will be issued on the above-mentioned pro rata basis, whenever it is canceled. If this Contract was purchased in Alabama, Nevada, Texas or Wyoming, a ten percent (10%) penalty per month shall be added to a refund that is not made within forty-five (45) days of return of the Contract to the Warranty Provider If this Contract was purchased in New York or Washington, said penalty shall be added to a refund not made within thirty (30) days of return of the Contract to the Warranty Provider If this Contract was purchased in Colorado, the Contract Holder may not cancel this Contract at any time. The applicable cancellation fee shall be $50, except: if this Contract was purchased in Alabama, the applicable cancellation fee shall be $25 and will not be assessed if the Contract Holder is entitled to a full refund hereunder; if this Contract was purchased in California, the applicable cancellation fee shall be the lesser of $25

UPP Platinum Blended

or ten percent (10%) of the Total Contract Purchase Price; if this Contract was purchased in Illinois, the applicable cancellation fee shall be the lesser of ten percent (10%) of the Total Contract Purchase Price or $50; if this Contract was purchased in Georgia or Missouri, a cancellation fee shall not be assessed; if this Contract was purchased in Nevada and it is canceled within twenty (20) days after the Contract Purchase Date, there shall be no applicable cancellation fee; if this Contract was purchased in North Carolina, the applicable cancellation fee shall be ten percent (10%) of the refund issued hereunder; if this Contract was purchased in Oklahoma, if this Contract is canceled by the Contract Holder, return of the premium shall be based upon ninety percent (90%) of the unearned pro rata premium, in the event the Contract is canceled by the association, return of premium shall be based upon one hundred percent (100%) of unearned pro rata premium, of the Total Contract Purchase Price; if this Contract was purchased in Washington, the applicable cancellation fee shall be $25 if the Contract is canceled ten (10) or more days after the Contract Purchase Date (if the Contract is canceled before that time, there shall be no applicable cancellation fee). Refunds issued hereunder shall be issued less the value of any services received by the Contract Holder (including claims paid), except: if this Contract was purchased in Alabama or Illinois, such subtraction of the value of any services received by the Contract Holder shall apply only to cancellations not fully refunded; if this Contract was purchased in Arizona, Nevada or Wisconsin, such subtraction of any services received by the Contract Holder shall never apply.

- WHAT TO DO IF YOU HAVE A BREAKDOWN -

1) Use all reasonable means to protect the vehicle from further damage. This may require you to stop the vehicle, turn off the engine, and have the vehicle towed.

2) If your vehicle is within forty (40) miles of the selling dealer and the dealer has a repair facility, you must call them and make sure they can work on your particular vehicle. If they can, you need to make arrangements to get the vehicle to them. If the selling dealer doesn’t do repairs you can take the vehicle to any qualified repair facility. To assure coverage under the terms of the Contact, Authorization must be optained prior to any repair.

3) Present this Contract to the Repair Facility, call the Warranty Provider, and fax any required maintenance receipts.

4) Prior to proceeding with repairs, ensure the Repair Facility calls the Warranty Provider, with an estimate of repairs

and receives an authorization number from the Warranty Provider 5) The Claims Department of the Warranty Provider, is responsible for the performance of Provider under this Contract. 6) In-home service is not provided under this Contract. Any payment of the costs of transporting the vehicle for service is

provided under this Contract exclusively pursuant to the terms and conditions. 7) The Contract Holder is responsible for paying a $100 deductible for each visit to the Repair Facility, unless lower deductible surcharge is purchased.

8) Reimbursement for emergency repairs performed outside of normal business hours can be obtained by the Contract Holder only if he/she follows the above procedures on the first business day after such emergency repairs are performed.

- WHAT the Warranty Provider, WILL DO WHEN YOU REPORT A CLAIM -

Upon the filing of a claim under this Contract, the Warranty Provider, will verify the validity of the Contract (proper owner, proper vehicle, Contract still in force), verify the Breakdown with the Repair Facility, verify coverage, and authorize repair of covered parts (provide Repair Facility with authorization code and confirm cost of repair). Payment is provided through direct billing, credit card, or Contract Holder reimbursement.

- HOW THIS CONTRACT MAY BE TRANSFERED -

Only the original Contract Holder may transfer this Contract. This option is not available to the Contract Holder if the vehicle is traded or sold to or through any entity other than a private party. The rights and duties of the Contract Holder under this Contract may be transferred in a sale of the vehicle directly to another private party, but only if the Contract Holder: (1) Sends the completed transfer application to the Warranty Provider, within thirty (30) days of the sale or transfer of the vehicle, and (2) encloses a $50 transfer fee (No transfer fee is assessed if this Contract was purchased in the State of Missouri). In the event the vehicle is a total loss or is repossessed, any rights and obligations under this Contract immediately transfer to the lien holder, if any. The Contract Holder must provide the new owner with copies of all receipts as listed under the section of this Contract entitled "CONTRACT HOLDER OBLIGATIONS".

- PROVIDER'S RIGHT TO CANCEL THIS CONTRACT - If this Contract was purchased in Nevada, the Warranty Provider, reserves the right to cancel this Contract for any reason within the first seventy (70) days after the Contract Purchase Date; thereafter, and if this Contract was purchased anywhere other than Nevada, at any time, the Warranty Provider, reserves the right to cancel this Contract upon the occurrence of any of the following:

• Failure by the Contract Holder to pay an amount when due.

• Conviction of the Contract Holder of a crime, which results in an increase in the service required under this Contract.

• Discovery of fraud or material misrepresentation by the Contract Holder in obtaining this Contract or in presenting a claim for service hereunder.

• Discovery of an act or omission by the Contract Holder, or a violation by the Contract Holder of any condition of this Contract, which occurred after the effective date of this Contract and which substantially and materially increases the service required under this Contract, including but not limited to failure of the odometer of the vehicle or if for any reason it does not record the actual mileage of the vehicle after the Contract Purchase Date and the actual mileage of the vehicle cannot be established to a

NO CLAIMS WILL BE PAID WITHOUT PRIOR AUTHORIZATION

UPP Platinum Blended

reasonable degree of certainty, if there is a lack of required maintenance, if the vehicle is operated without coolant or lubricant, and if the vehicle is used for commercial purposes (unless the commercial use option is part of this Contract).

• A material change in the nature or extent of the required service or repair which occurs after the effective date of this Contract and which causes the required service or repair to be substantially and materially increased beyond that contemplated at the time this Contract was issued or sold.

No cancellation of this Contract by the Warranty Provider, shall become effective until fifteen (15) days after the notice of cancellation is mailed to the Contract Holder. the Warranty Provider, will not charge a cancellation fee if this Contract is canceled by the Warranty Provider. NOT APPLICABLE IN ARIZONA. If this Contract was purchased in South Carolina under Chapter 78 of the South Carolina Code of Laws, a ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five

(45) days after return of the Contract to the Provider.

- OTHER IMPORTANT CONTRACT PROVISIONS -

ARIZONA- Claims may not be denied solely because of a pre-existing condition unknown by the Contract Holder at time of purchase. IOWA - The Iowa Insurance Commissioner is Therese M. Vaughan, Division of Insurance, State of Iowa, 330 East Maple Street, Des Moines, Iowa 50319. IDAHO - Coverage afforded under this motor Vehicle Service Contract is not guaranteed by the Idaho Insurance Guarantee Association. TEXAS - Unresolved complaints concerning Provider or questions concerning the regulation of Service Contract providers may be addressed to the Texas Department of Licensing and Regulation, E.O. Thompson State Office Building, 920 Colorado, Austin, Texas 78701, (512) 463-2906. UTAH - Coverage afforded under this Contract is not guaranteed by the Property and Casualty Guaranty Association. WASHINGTON - The implied warranty of merchantability on the motor vehicle is not waived if the Contract has been purchased within ninety (90) days of the purchase date of the motor vehicle from a Provider who also sold the motor vehicle covered by the Contract. The Contract Holder acknowledges by initialing hereafter that he/she has read the sections entitled Contract Holder Obligations, What To Do If You Have A Breakdown, Covered Parts, Exclusions - What This Vehicle Service Contract Does Not Cover, Contract Term, and How This Contract May Be Canceled. ______________ WISCONSIN-Claims may not be denied solely because the Contract Holder did not obtain preauthorization within a reasonable time frame. THIS WARRANTY IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. A SECURITY DEPOSIT WITH THE WISCONSIN STATE TREASURER IS BEING USED IN LEIU OF A INSURANCE POLICY.

If this Contract is financed through the vendor, selling dealer, their representative, or the Warranty Provider, then should a claim occur prior to all payments being made, the outstanding balance owed to the vendor, selling dealer, their representative, or the Warranty Provider will be deducted from the amount authorized. In Nevada we can only deduct delinquent payments from the claim amount authorized. This Contract contains the complete agreement between the parties and is not valid unless signed by both the Contract Holder and an authorized representative of the Provider. The aggregate total of Provider’s liability for all benefits paid or payable during the term of this Contract shall not exceed the actual cash value of the vehicle according to current National Auto Dealers Association standards at the time of Breakdown.