DEFINITIONS

• "Commercial Use" means a vehicle that is registered to a business and/or for business purposes. The following vehicles are not eligible for the "Commercial Use" option and are excluded from coverage under this service contract: tow trucks; snowplows; taxis; police vehicles; and vehicles that are used in excess of manufacturer’s g.v.w. or for excessive hauling and pulling.

• "Contract Holder" means the purchaser or holder of this service contract.

• "Covered Part" means any part of the vehicle covered by this service contract that is not excluded from coverage under the section of this service contract entitled "What is Not a Covered Part."

• "Mechanical Breakdown" means the event caused by the total failure of any Covered Part to work as it was designed to work in normal service. Please refer to the wording under exclusions for a listing of conditions under which the failure of a Covered Part is not considered a Mechanical Breakdown.

• "Participating Lender" means any financial institution providing financing for the purchase of the vehicle and/or this service contract.

• "Repair Facility" means any automotive repair facility at which the Contract Holder seeks to have service performed under this service contract.

• "Administrator" or "ACSC"
 

COVERED PARTS
The coverage provided by this service contract supplements the new vehicle warranty provided by the vehicle manufacturer to the original owner of the covered vehicle. After the expiration of the new vehicle warranty and before the expiration of this service contract, ACSC will, upon payment of the deductible amount per visit selected on the front of this service contract, make any necessary repairs to the vehicle, excepting any parts and Mechanical Breakdowns listed under the sections of this service contract entitled "What Is Not a Covered Part" and "Exclusions — What This Vehicle Service Contract Does Not Cover". Use of non-original manufacturer’s parts in covered repairs is allowed.

WHAT IS NOT A COVERED PART
The following parts are not covered by this service contract: paint and carpeting; manual/hydraulic clutch assembly; trim; hoses and rubber parts; canvas, vinyl, fabric or fiberglass tops; moldings; distributor cap/rotor; tires/wheels; air bag/supplemental restraint systems; lenses; battery and cables; all maintenance service and items, such as alignments, wheel balances, struts and shocks, engine tune-ups, EGR valve, oxygen sensors, window regulators, seat regulators, fuel regulators, spark/glow plugs, plug wires, brake pads, linings and shoes, filters, lubricants, coolants, thermostat, hoses and belts; bright metal; light bulbs and headlights; video; audio; exhaust system; weather stripping; body panels; brake rotor/drums; shop supplies and hazardous waste removal; blend motors and doors, buttons, handles and door hinges; glass; service adjustments, and cleaning.

EXCLUSIONS – WHAT THIS VEHICLE SERVICE CONTRACT DOES NOT COVER
This Contract does not cover the following: (1) Repair or replacement of a covered component/part to correct conditions that may reasonably be assumed to have exited at the inception date of the coverage provided by this contract (Pre-existing conditions); (2) A Breakdown caused by lack of manufacturer’s specified maintenance; (3) 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 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); (4) Any cost covered by a repairer’s or supplier’s guarantee, or any cost which would normally be covered by a manufacturer’s warranty; (5) Any or other benefits for which the manufacturer has announced its responsibility through any means including public recalls or factory service bulletins; (6) 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; (7) Any liability, cost or damages the Contract Holder may incur to the benefit of any third parties other than ACSC approved repair or replacement of Covered Parts which caused a Mechanical Breakdown; (8) A Breakdown caused by overheating, rust or corrosion; (9) 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; (10) 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; (11)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 Breakdown; (12) Any part not covered by, or excluded by the original manufacturer’s warranty; (13) Vehicles that have been modified in a manner that increases the likelihood of a breakdown; (14) 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; (15) Continued operation of an impaired vehicle which causes further damage is not covered; (16) A gradual reduction in operating performance due to normal wear and tear, such as valve guides, valves, rings, and transmission clutch pack discs and bands; (17) Frame or structural separation; (18) Service adjustments and cleaning; (19) Any repairs to a vehicle with a title indication of salvage or junk or other designation indicating that the vehicle had been stolen, wrecked, destroyed, water damaged, or otherwise to the extent that it was considered to be uneconomical to repair, total mileage is unknown, or lemon law buyback; (20) Any repositioning, refitting, realignments, or body adjustments.

ROADSIDE ASSISTANCE    1-866-827-9805

Your emergency road service begins on the effective date of your extended service agreement and will continue until the expiration or termination of your contract, whichever occurs first. Your emergency road service is available throughout the United States 24 hours a day, 365 days a year.

Concierge Service — The customer is responsible for payment of any services arranged (i.e. the cost of the hotel room, rental car, etc.) directly to the provider of the service.

Emergency Roadside Towing Service — $50 limit for such services as fuel delivery, tire changes (customer supplied), jump-starts, lockout, mechanical first-aid, and towing.

DEDUCTIBLE
The Contract Holder is responsible for paying a $50 deductible for each visit to a Repair Facility, unless the $100 or $0 deductible option is selected.


OPTION TO PURCHASE ANOTHER SERVICE CONTRACT WHEN CURRENT CONTRACT EXPIRES
The Contract Holder may request to purchase another service contract when this service contract expires if all of the following criteria are satisfied: (1) The purchase is made at least thirty (30) days and 1000 miles prior to the expiration of the current service contract; (2) The vehicle and all service records are made available for inspection at Provider’s request; and (3) The vehicle must qualify for terms of the new service contact based on mileage and age of vehicle when the request for the new service contract is made. The cost for the new service contract will be based on then current rates. If you have any questions or wish to purchase a new service contract, contact the selling dealer
or call 1-800-824-7059.



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 manufacturers 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 dealership or ACSC at P.O. Box 1231, Huntsville, AL 35805. 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 less claims if applicable in your state. 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. ACSC 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 penalty per month shall be added to a refund that is not made within forty-five (45) days of return of the Contract to ACSC; 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 ACSC. If this Contract was purchased in Colorado, the Contract Holder may not cancel this Contract at any time. The applicable cancellation fee shall be $50.00, except: if this Contract was purchased in Alabama, the applicable cancellation fee shall be $25.00 and will not be assessed if the Contract Holder is entitled to a full refund hereunder; if this Contract was purchased in Illinois, the applicable cancellation fee shall be the lesser of 10% of the service contract price or $50.00; 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 10% of the refund issued hereunder; if this Contract was purchased in Washington, the applicable cancellation fee shall be $25.00 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, or Nevada, such subtraction of any services received by the Contract Holder shall never apply. If this contract was purchased in Iowa, the contract holder may cancel the contract within 30 days of the contract purchase date and receive a refund of the purchase price less a $50.00 cancellation fee and less the total of claims paid, if you have any questions or problems regarding this contract, you may contract ACSC, (the Administrator), by mail at P.O. Box 1231, Huntsville, AL 35805, or phone 1-800-824-7059. Iowa residents only may contact The Iowa Securities Bureau at 1-515-281-4441, or write to 340 Maple Street, Des Moines, Iowa 50319-0066.



CANCELLATION (IF FINANCED)
A. We may cancel this Contract for non-payment of the Contract Charge, or for misrepresentation in the submission o f a claim. We may cancel this Contract if
Your Vehicle is found to be modified in a manner not recommended by the manufacturer.
B. In the event that your contract is cancelled for non-payment, no refund will be due.
C. Returned Check Charge: A returned check charge of $25.00 will be assessed each time you pay us with a check or pre-authorized check that is returned unpaid.
The funding party will post the returned charge to your balance due. Unpaid late fees will be posted to your balance due.
D. Refund Policy for Pre-Authorized Check Payments: If payment has been made by a pre-authorized check(s), you must submit all original cancelled pre-
authorized check(s) to the funding party. For purposes of refund, photocopies of pre-authorized check(s) are not accepted. With receipt of your refund, your
original pre-authorized check(s) will be returned to you.
E. Reinstatement: If the Vehicle Service Contract is cancelled due to non-payment, we reserve the option to reinstate the Agreement. As a condition of
reinstatement, any reinstatement request must be made within thirty (30) days of cancellation and the full amount of the Contract price must be paid at the time
of reinstatement. We will not be responsible for any Mechanical Failure to your vehicle during the first thirty (30) days and 1,000 miles from the effective date of
the Reinstatement Notice.



WHAT TO DO IF YOU HAVE A MECHANICAL 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 the vehicle is inoperable and needs to be towed, call Roadside Assistance toll free at 1-866-827-9805. Have your membership contract number ready before
you call. Any payment of the costs of transporting the vehicle for service is provided under this service contract exclusively pursuant to the terms and
conditions for emergency road service provided by Roadside Assistance.

(3) In-home service is not provided under this service contract.

(4) Present this service contract to the Repair Facility and call ACSC toll free at 1-800-824-7059 to obtain prior authorization for any repairs. No claims will be paid
without prior authorization. Prior to proceeding with any repairs, the Repair Facility must call ACSC with an estimate of the cost of repairs and receive an
authorization number from ACSC.

(5) Fax or mail any maintenance receipts. ACSC can be reached via fax at 1-256-851-6828 or through the mail at P.O. Box 1231, Huntsville, AL 35805.

(6) 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.

(7) The Contract Holder is responsible for paying a $50 deductible for each visit to the Repair Facility, unless another deductible is selected.


WHAT ACSC WILL DO WHEN YOU REPORT A CLAIM
Upon the filing of a claim under this Contract, ACSC will verify the validity of the Service Contract (proper owner, proper vehicle, Contract still in force), verify the
Breakdown with the Repair Facility, verify the 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 TRANSFERRED
The rights and duties of the Contract Holder under this service contract may be transferred in connection with the sale of the vehicle directly to another private party,
but only if the Contract Holder: (1) Sends a completed transfer application to ACSC within thirty (30) days of the sale or transfer of the vehicle; and (2) encloses a
$50.00 transfer fee. Only the original Contract Holder may transfer this service contract. The Contract Holder may not transfer this service contract if the vehicle is
traded or sold to or through any entity other than a private party. In the event the vehicle is a total loss or is repossessed, any rights and obligations under this service contract immediately transfer to the lien holder, if any. The Contract Holder must provide the new owner of the vehicle with copies of all receipts as listed under the section of this service contract entitled “Contract Holder Obligations.”




PROVIDER’S RIGHT TO CANCEL THIS SERVICE CONTRACT
ACSC may cancel this service contract and/or deny any claims presented under this service contract if:

• The Contract Holder fails to pay any amount when due.
• ACSC discovers fraud or material misrepresentation by the Contract Holder in obtaining this service contract or in presenting a claim for service hereunder,
including, but not limited to, whether the vehicle title indicates that the vehicle was salvaged or rebuilt.
• ACSC discovers an act or omission by the Contract Holder, or a violation by the Contract Holder of any condition of this service contract, that occurred after the
effective date of this service contract and that substantially and materially increases the service required under this service contract, including but not limited to:
failure of the odometer of the vehicle to record the actual mileage of the vehicle after the effective date of this service contract and/or the actual mileage of the
vehicle cannot be established to a reasonable degree of certainty at the time of sale; if there is a lack of required maintenance; operation of the vehicle without
coolant or lubricant; and use of the vehicle for commercial purposes (unless the Commercial Use option is purchased).



In the event this service agreement is canceled by the Provider, return of premium shall be based upon 100% of unearned pro rata purchase price. In the event that
your contract is cancelled for non-payment, no refund will be due.

Returned Check Charge: A returned check charge of $25.00 will be assessed each time you pay us with a check or pre-authorized check that is returned unpaid. The
funding party will post the returned charge to your balance due. Unpaid late fees will be posed to your balance due.

Refund Policy for Pre-Authorized Check Payments: If payment has been made by a pre-authorized check(s), you must submit all original cancelled pre-authorized
check(s) to the funding party. For purposes of refund, photocopies of pre-authorized check(s) are not accepted. With receipt of your refund, your original pre-authorized
check(s) will be returned to you.

Reinstatement: If this service contract is cancelled due to non-payment, we reserve the option to reinstate the Agreement. As a condition of reinstatement, any reinstatement request must be made within thirty (30) days of cancellation and the full amount of the purchase price must be paid at the time of reinstatement. We will not be responsible for any Mechanical Breakdown to your vehicle during the first thirty (30) days and 1,000 miles from the effective date and miles at the time of reinstatement.



DISPUTES ABOUT THIS SERVICE CONTRACT
The Contract Holder agrees that any controversy or claim arising out of or related to this service contract, or the breach thereof, will be resolved by arbitration
administered by the American Arbitration Association (“AAA”). Matters involving damages of less than $10,000 will be resolved pursuant to the AAA’s Arbitration
Rules for the Resolution of Consumer-Related Disputes and matters involving damages of $10,000 or more will be resolved by a single arbitrator pursuant to AAA’s Commercial Arbitration Rules. For a copy of procedures to follow to file a claim or other information regarding arbitration, contact AAA, 335 Madison Ave., NY, NY 10017 or online at www.adr.org. All disputes regarding this service contract will be subject to the laws of the State of Alabama.



NOTICE OF ARBITRATION AGREEMENT: This agreement provides that all disputes between you and the Provider will be resolved by BINDING ARBITRATION .

You thus GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend your rights under this contract (EXCEPT for matters that may be taken to SMALL CLAIMS
COURT).

Your rights will be determined by a NEUTRAL ARBITRATOR and NOT a judge or jury. You are entitled to a FAIR HEARING , BUT the arbitration procedures are
SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. Arbitrator decisions are as enforceable as any court order and are subject to VERY
LIMITED REVIEW BY A COURT.

FOR MORE DETAILS: Review “Disputes About This Service Contract”





OTHER IMPORTANT CONTRACT PROVISIONS
This service contract is not issued by the vehicle manufacturer or the wholesale company marketing your motor vehicle. This service contract will not be honored by the vehicle manufacturer or such wholesale company. This service 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. Purchase of this Contract is not required to purchase or obtain financing for the Vehicle.


The obligation of the Provider to perform under this Contract is insured by Vehicular Service Insurance Company Risk Retention Group, Norman Oklahoma. In the event
the Provider fails to pay that which it is legally obligated to pay within 60 days after proof of loss has been filed with ACSC, the Contract Holder may file a claim under the insurance policy by mailing a copy of the adjudication to ACSC at their above address or toll-free at 1-800-824-7059.

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.

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 average retail value of the vehicle according to
current National Auto Dealers Association standards at the time of Breakdown.

Purchase of this contract is not required to purchase or obtain financing for the vehicle.



Other State Requirements / Disclosures

The Following Special State Requirements and/or disclosures apply if this Contract was purchased in one of the following states and supersede any other provision
herein.

ALABAMA

This paragraph under “Cancellation of this Contract – Refunds and Charges” is replaced in its entirety with the following:

If no claim has bee made under this Contract, the Contract Holder is entitled to cancel this contract within Twenty (20) Days of the date the Contract was mailed or within Ten (10) Days of delivery if the Contract was delivered at the time of initial sale and receive a full refund of the purchase price. If the Contract is cancelled after the first Twenty (20) Days, a pro rata refund will be calculated less the application cancellation fee in the amount of Twenty Five dollars ($25.00). A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Sixty (60) Days after return of the Contract to the Provider.



ALASKA

The Contract Provider must return any unearned premium within Forty-Five (45) Days of receipt of a request for cancellation or the effective date of cancellation, whichever is later. The Contract Provider may charge cancellation fee of seven and one half percent (7.5%) of the unearned premium, not to exceed fifty dollars ($50.00).
The Contract Provider must provide the Contract Holder notice of cancellation for nonpayment no less than Twenty (20) days prior to the effective date of cancellation.
Notice of Cancellation for conviction of the Contract Holder of a crime which increases a hazard insured against or for discovery of fraud or material misrepresentation by the insured shall be given at least 10 days prior to the cancellation date. Notice of Cancellation for all other reasons must be given at least Sixty (60) days prior to the
cancellation date.



ARIZONA

The Contract Holder may cancel this contract and receive a pro rata refund based on the Policy outlined by the Contract Provider with the following exception: No claim incurred or paid shall be deducted from the amount to be refunded. State law and Administrative Code supersede any other provision herein. The Contract Holder may contact the Arizona Department of Insurance at 1910 North 44th Street #210, Phoenix, AZ 85019-7256.



COLORADO

The Contract Holder may not cancel this contract unless requested by the lienholder or in the event of a total loss. Proof of loss must be provided. The Contract Provider may cancel the contract under the terms and conditions outlined in the section entitled Providers Right to Cancel this Contract.



CONNECTICUT

If the term of the service Contract is less than one year, the term shall be automatically extended for the period of time the vehicle is in the custody of the repair facility for services authorized by the Contract Provider. Resolution of Disputes: In the event the Contract Holder and the Contract Provider fail to agree on an equitable resolution of a dispute arising regarding the coverage afforded under the terms of the service contract; the Contract Holder may send a written complaint, containing a description of the dispute, the purchase or lease price of the product, the cost of repair of the product and a copy of the service contract to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs.


 

GEORGIA

The Contract Holder may cancel this contract at any time and receive a pro rata refund of the Total Contract Purchase price based on the greater of days in force or the miles driven compared to the total Contract term. The deduction of claims paid or an assessment of a cancellation fee is not allowed. The Contract Provider may only cancel the contract for fraud, material misrepresentation or for non payment and issue a pro rata refund if the total Contract price based on the greater of days in force or miles dived compared to the total Contract term. The notice of cancellation must be in writing and comply with 33-24-44 of the Georgia Code. If a refund is not paid or credited within Sixty (60) Days after proof of loss is filed, the Contract Holder may file a claim with the insurance company. The follow section “EXCLUSIONS – WHAT THIS SERVICE CONTRACT DOES NOT COVER “ is amended as follows:

(1) Mechanical failure of any parts covered in this contract if any hi-performance, competition or other non- standard equipment has been installed in described vehicle or if any engine parts as supplied by vehicle manufacturer have been disconnected or altered to increase performance while owned by you.

(2) Repair or replacement of a covered component/part to correct conditions that may reasonably be assumed or known to you to have existed at the inception date of the coverage provided by this contract (Pre-existing conditions).

(3) The information provided by you or the repair facility cannot be verified as accurate or is found to be inaccurate. This Exclusion does not apply to Georgia residents.



IDAHO

The Contract Holder may cancel the Contract in the event the motorcycle/snowmobile is returned, sold, lost, stolen or destroyed and receive a pro rata refund in accordance with the terms of the Contract. Coverage’s under this motor motorcycle/snowmobile is not guaranteed by the Idaho Insurance Guaranty Association.



ILLINOIS

The Contract Provider may retain a cancellation fee not to exceed the lesser of ten percent (10%) of the Contract price or Fifty Dollars ($50.00).



IOWA

The Contract Holder may contact VSIC, RRG (the Contract Provider) by mail at P.O. Box 1231, Huntsville, AL 35810, or phone 1-800-824-7059, or the Iowa Securities Bureau at 340 Maple Street, Des Moines, Iowa 50319-0066 or phone 1-(515)-281-441.



KENTUCKY

“Breakdown” or “Mechanical Breakdown” means the event caused by the total failure of any covered part to work as it was designed to work in normal service including
defects in material and workmanship.



NEBRASKA

ACSC (The Administrator) shall pay on behalf of the Insured all sums which the Insured is legally obligated to pay according the Insured’s contractual obligations under and in accordance will all the terms of the Service Contracts issued or sold by the Insured.



NEVADA

If no claim has bee made under this Contract, the Contract Holder is entitled to cancel this contract within Twenty (20) Days of the date the Contract was mailed or within Ten (10) Days of delivery if the Contract was delivered at the time of initial sale and receive a full refund of the purchase price. A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Forty Five (45) Days after return of the Contract to the Provider. If the contract is cancelled after Twenty (20) Days the Contract Provider may assess a fee of Fifty dollars ($50.00). Claims paid or pending may not be deducted. The Contract Provider cannot cancel the contract after Seventy (70) Days except for nonpayment of the Contract price or a material misrepresentation related to obtaining this contract or making a claim. The cancellation of the Contract will become effective Fifteen (15) Days after the notice of cancellation is mailed to the Contract Holder. If this Contract is cancelled by the provider a cancellation fee may not be charged.



NEW MEXICO

A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Sixty (60) Days after return of the Contract to the Provider. The Contract Provider cannot cancel a contract that has been in effect for at least Seventy (70) Days except for: (1) non-payment (2) Conviction of a crime that results in an increase in the service required under the service contract (3) the discovery of fraud or material misrepresentation (4) or discover of either an act or omission by the Holder or a violation by the Holder of any condition of their service contract if it incurred after the effective date of the service contract and substantially and materially increased the service required under the contract. The cancellation of the contract will become effective Fifteen (15) Days after notice of cancellation is mailed to the Contract Holder.



NEW YORK

A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Thirty (30) Days after return of the Contract to the Provider.



NORTH CAROLINA

The Contract Holder may cancel this Contract at any time after purchase and a pro rata refund will be calculated less the applicable cancellation fee in the amount of Fifty dollars ($50.00) or ten percent (10%) of the pro rata refund, whichever is less. A ten percent (10%) penalty per month shall be added to a refund not paid or credited within Sixty (60) Days after return of the Contract to the Provider.



OKLAHOMA

The section titled How This Contract May Be Cancelled, Including Refunds and Chargers is amended as follows: The Contract Holder may cancel this Contract by
contacting the dealership or ACSC at P.O. Box 1231, Huntsville, AL 35805. The Contract Holder may cancel this Contract at any time. In the event of cancellation of the contract within the first 30 days and having no claim authorized or paid, the Contract Holder is entitled to a full refund. If the Contract Holder cancels the contract after 30 days, or has made a claim within the first 30 days, the Contract Holder shall receive 90% of the unearned pro rata contract purchase price less fifty dollars ($50) and claims paid. If the administrator cancels the contract, 100% of the premium will be refunded.

Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association.

Oklahoma does not review commercial service warranty contract language (only personal).



SOUTH CAROLINA

The Contract Holder may cancel or submit a claim on this contract by contacting the Contract Provider. A ten Percent (10%) penalty per month shall be added to a refund not paid or credited within Forty Five (45) Days. If the matter has not been resolved within sixty (60) Days after proof of loss has been submitted, the Contract Holder may contact the South Carolina Department of Insurance, P. O. Box 100105, Columbia, South Carolina 29202. (800) 768-3467.



WEST VIRGINIA

The Contract Holder may cancel this Contract by contacting the dealership or ACSC at P.O. Box 1231, Huntsville, AL 35805. 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 less claims if applicable in your state. The Term of this contract for cancellation purposes will be based on the date of purchase of the service contract and the vehicle mileage on such date. ACSC is primarily liable to provide any refund under this Contract.



WYOMING

If no claim has been made under this Contract, the Contract Holder is entitled to cancel this Contract within Thirty (30) Days of the date of the Contract and receive a full refund. If you financed this Contract Price, the terms of the financing are contained in a separate agreement entered into between You and the Lienholder. The lienholder may not cancel this contract but may be shown as joint payee on any refund issued. If the Contract Provider cancels this Contract, a written notice will be mailed to you at your last known address contained in their records at least Ten (10) Days prior to cancellation. The notice will state the effective date of cancellation and the reason for cancellation. The Provider will not send you an advance notice if the reason for cancellation is nonpayment of the Contract price, a material misrepresentation by the Contract Holder to the Provider or a substantial breach of duties by the Contract Holder relating to the motorcycle/snowmobile or its use. 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 service contract to the provider.