LIFETIME BRIDAL CARE PLAN

TERMS AND CONDITIONS This Service Plan is not a contract of Insurance.

1) DEFINITIONS: The following terms shall have the following meaning: Service Plan Provider/We/Us/Our means the entity that is contractually obligated to You under the terms of this Service Plan. This Service Plan is between You and Us Service Plan indicates this Service Plan, which You have been granted for the Covered Product described on Your proof of purchase. Service Plan Holder/You/Your indicates the granter of this Service Plan, as described on the proof of purchase. Retailer indicates the store and seller where You purchased the Covered Product(s) and this Service Plan and is as shown on Your proof of purchase. Purchase Price indicates the Purchase Price paid after any discount(s), for Your Covered Product(s). Covered Product(s) indicates the item(s) that You purchased and are specifically covered under this free Service Plan as indicated on Your proof of purchase. Covered Service means the services required to return the Covered Product to fit and finish designed by the manufacturer for failures due to normal wear and tear under normal service and usage of the Covered Product.

2) INSTRUCTIONS: You must present this Service Plan and Your proof of purchase for any Covered Product(s) repair.

3) LENGTH OF COVERAGE: The coverage period for this Service Plan is for the lifetime of the Service Plan Holder.

4) WHAT IS COVERED: As a result of normal wear and tear, service performed hereunder shall consist of labor and parts necessary to restore Your Covered Product to the level of fit and finish designed by the manufacturer as the result of a Covered Service or loss of precious or semi-precious stones (does not include the primary stone), as determined by the Administrator. Our limit of liability is associated with non-repairable Product and includes the payment of a cash settlement, issuance of a gift card, or replacement of the Covered Product, not to exceed the original Purchase Price of the Covered Product. The Service Plan coverage includes, but is not limited to, the following services, subject to the other terms and conditions of the Service Plan: kinks or knots, dents, chips, breaks, cracks, gouges, scratches, worn or bent prongs, ring resizing, thinning ring bands, refinishing and polishing, rhodium plating white gold. This Service Plan does not cover the initial ring sizing. Any ring sizing that will damage the integrity of the piece will not be completed. IF THE TERM OF THIS SERVICE PLAN OVERLAPS WITH THE TERM OF YOUR MANUFACTURER’S WARRANTY, LOOK FIRST TO YOUR MANUFACTURER’S WARRANTY FOR COVERAGE. THIS SERVICE FW1618-0413 Page 2 of 8 v13-0916

5.) PLAN EXCLUDES COVERAGE FOR ANY LOSS COVERED BY YOUR MANUFACTURER’S WARRANTY, BUT MAY NEVERTHELESS PROVIDE BENEFITS IN ADDITION TO THOSE PROVIDED BY YOUR MANUFACTURER’S WARRANTY.

6) DEDUCTIBLE: There is no deductible required to obtain service under this Service Plan.

7) NON-REPAIRABLE PRODUCTS: If We, in Our sole discretion, determine that Your Covered Product is not repairable, or where the cost for repair may exceed the Purchase Price You paid for the Covered Product, We will replace the Covered Product with a replacement item of comparable type, quality and functionality as the original Covered Product. The replacement item shall not exceed the Purchase Price of the original Covered Product. Replacement of a Covered Product, payment of a cash settlement, or issuance of a gift card will fulfill this Service Plan in its entirety and will cancel and discharge all further obligations under this Service Plan and Service Plan shall not be transferable to any replaced item, unless otherwise required by state law. If We replace Your Covered Product or a cash settlement or gift card is provided, the original Covered Product becomes Our property.

8) LIMIT OF LIABILITY: Our total liability for non-repairable products under this Service Plan is the Purchase Price paid for the Covered Product as shown on the proof of purchase, payable in a cash settlement, issuance of a gift card, or replacement of the Covered Product. If in Our estimation We find the Covered Product repairable, there is no lifetime limitation.

9) PARTS: Materials furnished as replacements for parts will be drawn from Our repair service contractor’s inventory of new or used parts and components. These materials will be furnished under provisions of the manufacturer’s warranty while still in effect and then by Our service contractor during the remainder of its term of coverage.

10) WHAT IS NOT COVERED: This Service Plan does not cover service repair necessitated by any loss or damage resulting from: a) any cause other than normal usage, such as, but not limited to loss or damage due to misuse, abuse or neglect, unauthorized repairs or accidental damage; b) lack of manufacturer’s recommended maintenance/instructions, or maintenance/instructions by this Service Plan; c) parts failure due to a manufacturer’s recall, regardless of the manufacturer’s ability to pay for such repair; d) any and all pre-existing conditions that occur prior to the effective date of this Service Plan; e) inherent design defect in the Covered Product; f) introduction of foreign objects into the Covered Product, tampering with prongs, bezels or other elements designed to secure stones; g) parts normally designed to be replaced periodically by You or consumed during the life of the Covered Product (i.e. batteries); h) rust, corrosion, fire, collision, vandalism, windstorm, hail, earthquake, theft or burglary, negligence, transport, riot, acts of God, or any other peril; i) water damage if used under conditions which exceed the manufacturer’s specifications; j) war, whether declared or undeclared, terrorism, insurrection, revolution, rebellion, destruction or seizure for military purpose, discharge of chemical, biological or nuclear weapons, radioactive contamination; k) damage or loss resulting from failure to obtain repairs necessary to maintain the integrity of the Covered Product; Covered Products that are lost and/or mysteriously disappear; l) any loss other than a Covered Service; m) damage that is not reported to the Administrator prior to the expiration of this Service Plan; n) loss of use while the Covered Product is at a repair facility or otherwise awaiting parts; o) pieces/products with serial numbers which have been altered or removed; p) any type of accessory or unauthorized modifications or pieces with alterations from the original Covered Product/Product SKU; q) IN NO EVENT SHALL THIS SERVICE PLAN BE LIABLE FOR SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES WHETHER IN PLAN, TORT, OR NEGLIGENCE; FW1618-0413 Page 3 of 8 v13-0916 r) this Service Plan does not cover claims arising from any breach of implied or expressed warranty of merchantability or fitness of the Covered Product from the manufacturer.

11) PRODUCTS NOT ELIGIBLE FOR COVERAGE: This Service Plan does not provide any service for Products used for commercial purposes, or Products sold “as is.”

12) RENEWALS: This Service Plan is not renewable.

13) TRANSFER: This Service Plan may be transferred to the original gift recipient by contacting the Administrator. The terms and conditions of this Service Plan cannot be modified in any way except by the expressed written agreement between You and Us.

14) ARBITRATION: READ THE FOLLOWING ARBITRATION PROVISION (“PROVISION“) CAREFULLY. IT LIMITS CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO OBTAIN RELIEF OR DAMAGES THROUGH COURT ACTION. To begin Arbitration, either You or We must make a written demand to the other party for arbitration. The Arbitration will take place before a single arbitrator. It will be administered in keeping with the Expedited Procedures of the Commercial Arbitration Rules (“Rules”) of the American Arbitration Association (“AAA”) in effect when the claim is filed. You may get a copy of the AAA’s Rules by contacting AAA at 1633 Broadway, 10th Floor, New York, NY 10019, calling 1-800-778-7879 or visiting www.adr.org. The filing fees to begin and carry out arbitration will be shared equally between You and Us. This does not prohibit the arbitrator from giving the winning party their fees and expenses of the arbitration. Unless You and We agree, the arbitration will take place in the county and state where You live. The Federal Arbitration Act, 9 U.S.C. § 1, et seq., will govern and no state, local or other arbitration law will apply. YOU AGREE AND UNDERSTAND THAT this arbitration provision means that You give up Your right to go to court on any claim covered by this provision. You also 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. Please refer to the State Disclosures section of this Service Plan for any added requirements in Your state. In the event this Arbitration provision is not approved by the appropriate state regulatory agency, and/or is stricken, severed, or otherwise deemed unenforceable by a court of competent jurisdiction, You and We specifically agree to waive and forever give up the right to a trial by jury. Instead, in the event any litigation arises between You and Us, any such lawsuit will be tried before a judge, and a jury will not be impaneled or struck.

THE FOLLOWING STATE SPECIFIC REQUIREMENTS ARE ADDED TO AND BECOME PART OF YOUR SERVICE PLAN AND SUPERSEDE ANY OTHER PROVISION TO THE CONTRARY: AL, AR, CO, CT, GA, IL, IN, KY, MA, ME, NC, NH, NJ, NV, NY, OR, SC, UT, and WY only: The obligations of the Service Plan Provider under this Service Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within sixty (60) days after proof of loss has been filed with Us, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: [11222 Quail Roost Drive, Miami, FL 33157], or call the toll-free number at [1-800-852- 2244]. HI, MN, MT, VA and VT only: The obligations of the Service Plan Provider under this Service Plan are insured under a service contract contractual liability insurance policy. Our obligations under the Service Plan are insured by FW1618-0413 Page 4 of 8 v13-0916 a policy of insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157]. AL, AR, CO, HI, MA, ME, MN, MO, NJ, SC and WY only: Free Look: You may, within twenty (20) calendar days of mailing of the Service Plan, or ten (10) days if delivered at time of sale, reject and return this Service Plan. Upon return of the Service Plan within the applicable time period, if no claims have been made, You will be refunded the full Plan Price. 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 the return of the Service Plan. This provision applies only to the original purchaser. GA, LA, OR, UT, WI and WY only: The ARBITRATION provision is deleted in its entirety. It is not applicable to You.

Alabama only: Under 14) CANCELLATION, any reference to “less the cost of any claims paid” is deleted in its entirety. Under 14) CANCELLATION, any reference to an administrative fee of 10% is deleted and replaced with the following: We are entitled to an administrative fee of 10% or twenty-five dollars ($25.00), whichever is less.

Arizona only: The following is added to the CANCELLATION provision: No claim incurred or paid will be deducted from any cancellation refund. We will not cancel or void this Service Plan due to pre-existing conditions, prior use or unlawful acts relating to the Covered Product or misrepresentation, acts or omissions by Us or Our subcontractors. The following is added to the ARBITRATION provision: Arbitration cannot be an absolute dispute remedy and both parties must agree to arbitration. This arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints under the provisions A.R.S. § 20-1095.09, Unfair trade practices 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 Fl. Phoenix, AZ 85018-7256, Attn: Consumer Affairs. You may directly file any complaint with the A.D.O.I. against a Service Company issuing an approved Service Contract under the provisions of A.R.S. §§ 20-1095.04 and/or 20-1095.09 by contacting the Consumer Affairs Division of the A.D.O.I., toll-free phone number 1-800-325-2548.

California only: Section 3) LENGTH OF COVERAGE is deleted and replaced with the following: Coverage begins on the date shown on Your proof of purchase. The coverage period for this Service Plan is for the lifetime of the Service Plan Holder. The following is added to the CANCELLATION provision: You may cancel Your Service Plan if You return the Product(s), or the Product(s) is sold, lost, stolen or destroyed. The CANCELLATION provision is amended from ninety (90) days from date of purchase to ninety (90) days from the date of receipt of Your Service Plan. The following is added to the ARBITRATION provision: The arbitration provision does not limit or abridge in any way the filing by a California resident of a civil action to enforce rights conferred by the Ralph Civil Rights Act, California Civil Code Section 51.7. Nothing herein shall prevent You from bringing an action in a small claims court of appropriate jurisdiction for damages not to exceed $5,000.00. The arbitration provision does not prohibit a California resident from following the process to resolve complaints as outlined by the California Department of Consumer Affairs. To learn more about this process, You may contact them at 1-800-952-5210, or You may write to Department of Consumer Affairs, 4244 S. Market Court, Suite D, Sacramento, CA 95834, or You may visit their website at www.bearhfti.ca.gov.

Colorado only: The DEFINITION, Service Plan Price is deleted and replaced with the following: Service Plan Price indicates the consideration paid by You for this Service Plan as shown on Your proof of purchase. The following is added to the DEFINITION, Service Plan: The Service Plan includes the Terms and Conditions, Special State Disclosures, and the proof of purchase. The following is added to the CANCELLATION provision: Prior notice is not required if this Service Plan is canceled for nonpayment of the Service Plan Purchase Price, a material misrepresentation by You, or a substantial breach by You relating to the Covered Product or its use. Connecticut only: If We are unable to resolve any disputes with You regarding this Service Plan, You may file a written complaint with the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 061242-0816, Attn: Consumer Affairs. The written complaint must contain a description of the dispute, the purchase price of the Covered Product subject to the Service Plan, the cost of repair of the Covered Product, and a copy of the Service Plan. The following is added to the TO OBTAIN SERVICE provision: If the Covered Product is in a repair facility at the time of contract expiration, the expiration date will automatically be extended until the repair is complete. The following is added to the CANCELLATION provision: You may cancel this Service Plan if You return the Covered Product or if the Covered Product is sold, lost, stolen, or destroyed.

Florida only: The rate charged for this Service Plan is not subject to regulation by the Florida Office of Insurance Regulation. Under 14) CANCELLATION, any reference to administrative fees is deleted. The following is added to the ARBITRATION provision: While Arbitration is mandatory, the outcome of any Arbitration shall be non-binding on FW1618-0413 Page 5 of 8 v13-0916 the parties, and either party shall, following Arbitration, have the right to reject the Arbitration award and bring suit in a court of competent jurisdiction. The Arbitration action will take place in the county where the insured resides.

Georgia only: Should any discrepancies arise between the English and Spanish service contract forms in the interpretation of a given issue, the English version will take precedence in all matters. This Service Plan does not provide coverage for any and all pre-existing conditions known by You that occur prior to the effective date of this Service Plan. The following is added to the CANCELLATION provision: You may cancel this Service Plan at any time. This Service Plan shall be non-cancelable by the Service Plan Provider or the Administrator except for fraud, material misrepresentation, or failure to pay the consideration due therefore. Cancellation will be in accordance with O.C.G.A 33-24-44 of the Georgia Code. If You wish to cancel, You must notify the Administrator in writing or surrender the Service Plan to the Administrator, whereupon the Administrator will refund the unearned Service Plan Price. No claim paid or incurred or cancellation fees shall be deducted from any refund owed.

Indiana only: Proof of payment to the Retailer that sold You this Service Plan constitutes proof of payment to American Bankers Insurance Company of Florida, issuer of the insurance policy that insures Our obligation.

Maryland only: Free Look: You may, within twenty (20) calendar days of mailing of the Service Plan or twenty (20) days if delivered at time of sale, reject and return this Service Plan. Upon return of the Service Plan within the applicable time period, if no claims have been made, You will be refunded the full Service Plan Price. 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 the return of the Service Plan. This provision applies only to the original purchaser.

Michigan only: If the performance under this Service Plan is interrupted because of a strike or work stoppage at the company’s place of business, the effective period of the Service Plan shall be extended for the period of the strike or work stoppage. Minnesota only: The ARBITRATION provision has been amended by adding the following: Any Arbitration shall take place in the state where You reside or at any other place agreed to in writing by You and Federal Warranty Service Corporation.

Missouri only: The obligations under this Service Plan are insured by a policy of Insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157, (800) 852-2244]. In the event any Covered Service is not paid within sixty (60) days after proof of loss has been filed, including a claim for a refund of the unearned Service Plan Price, or the Administrator cease to do business or go bankrupt, You may apply directly to American Bankers Insurance Company of Florida.

Nevada only: The purchase of the Service Plan as a condition of approval of a loan or the purchase of goods is not permitted. Free Look: If this Service Plan is returned within the first ninety (90) days of purchase and a refund is not credited within forty-five (45) days after the return, We shall pay the holder a penalty of ten percent (10%) of the purchase price for each thirty (30) day period or portion thereof that the refund, and any accrued penalties, remain unpaid. This provision applies only to the original purchaser. No claims or repairs incurred may be deducted from any refund. We may not cancel this Service Plan once it has been in effect for seventy (70) days, except for the following conditions: failure by You to pay the Plan Price; the conviction of You of a crime which results in an increase in the service required under the Service Plan; fraud or material misrepresentation by You in purchasing the Service Plan or obtaining service; the discovery of an act or omission, or a violation of any condition of the Service Plan by You which substantially and materially increases the service required under the Service Plan; or a material change in the nature or extent of the service required under the Service Plan which occurs after the purchase of the Service Plan and substantially and materially increases the service required beyond that contemplated at the time of purchase. This provision applies only to the original purchaser.

New Hampshire only: In the event You do not receive satisfaction under this Service Plan, You may contact the New Hampshire Insurance Department at 21 South Fruit Street, Suite 14, Concord NH 03301, 1-800-852-3416. The following is added to the ARBITRATION provision: Arbitration shall be held at a location selected by Us within the state in which this Service Plan was purchased. Any arbitration proceeding is subject to RSA 542.

New Jersey only: The following is added to the CANCELLATION provision: Prior notice is not required if the reason for cancellation is nonpayment of the Service Plan Price, a material misrepresentation or omission, or a substantial breach of Your contractual obligations relating to the Covered Product or its use.

New Mexico only: The purchase of the Service Plan as a condition of approval or loan or the purchase of goods is not permitted. FREE LOOK: If this Service Plan is returned within twenty (20) calendar days of mailing of the Service Plan, or ten (10) days if delivered at time of sale if refund is not credited within sixty (60) days after the FW1618-0413 Page 6 of 8 v13-0916 return, We shall pay the holder a penalty of ten percent (10%) of the Service Plan Price for each thirty (30) day period or portion thereof that the refund, and any accrued penalties, remain unpaid. This provision applies only to the original purchaser.

New York only: Free Look: You may, within twenty (20) calendar days of mailing of the Service Plan, or ten (10) days if delivered at time of sale, reject and return this Service Plan. Upon return of the Service Plan within the applicable time period, if no claims have been made, You will be refunded the full Plan 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 the return of the Service Plan. This provision applies only to the original purchaser.

North Carolina only: The purchase of a Service Plan is not required in order to obtain financing for the Covered Product.

OH Residents only: The Obligations under this Service Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157, (800) 852-2244]. If We fail to perform or make payment due under the terms of the Service Plan within sixty (60) days after You request performance or payment, You may apply to American Bankers Insurance Company of Florida, including, but not limited to, any obligation in the Service Plan in which We must refund You upon cancellation of the Service Plan.

Oklahoma only: NOTICE: Coverage afforded under this Service Plan is not guaranteed by the Oklahoma Insurance Guaranty Association. The obligations of the Service Plan Provider under this Service Plan are insured under a service contract contractual liability insurance policy. Our obligations under the Service Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida, [11222 Quail Roost Drive, Miami, FL 33157], or call the toll-free number at [1-800-852-2244]. Under the DEFINITIONS section, Service Plan Provider/We/Us/Our is amended to include the following: Oklahoma License Number is 862541. The CANCELLATION provision is deleted and replaced with the following: You may cancel Your Service Plan within the first ninety (90) days of purchase by either returning the Service Plan to the Retailer from whom You purchased it or mailing Your cancellation request to the Administrator at [P.O. Box 105687, Atlanta, GA 30348-5687] and receive a refund in the amount of one hundred percent (100%) of the unearned pro rata premium. You may cancel Your Service Plan after ninety (90) days from the date of purchase by either returning it to the Retailer from whom You purchased it or mailing Your cancellation request to the Administrator at [P.O. Box 105687, Atlanta, GA 30348- 5687]. If You cancel this Service Plan after the first ninety (90) days, or have made a claim within the first ninety (90) days, the refund will be based upon one hundred percent (100%) of the unearned pro rata premium, less (a) ten percent (10%) of the unearned pro-rata premium or twenty five dollars ($25), whichever is less and (b) the actual cost of any service provided under the Service Plan based on a term of thirty five (35) years, less the cost of claims paid (if any). Ninety percent (90%) of the unearned pro-rata premium is earned at the end of year thirty one (31); no refund will be due after the thirty first (31st) year. The effective date of cancellation is the date We receive Your request for cancellation together with Your Service Plan. We reserve the right to cancel this Service Plan at any time in the event of fraud, material misrepresentation, or nonpayment by You. In the event this Service Plan is cancelled by Us, the refund will be based upon one hundred percent (100%) of the unearned pro rata premium based on a term of 35 years, less the cost of any service provided under this Service Plan. If We must cancel this Service Plan, You will be provided with a written notice at least thirty (30) days prior to cancellation at Your last known address, with the effective date and reason for cancellation. If this Service Plan was inadvertently sold to You on a Product(s), which was not intended to be covered by this Service Plan, We will cancel this Service Plan and return the full Service Plan Price to You. The ARBITRATION provision is deleted and replaced with the following: NON-BINDING ARBITRATION: Read The Following Arbitration Provision (“Provision”) Carefully. It Limits Certain Of Your Rights, Including Your Right To Obtain Relief or Damages Through Court Action Prior to Engaging in Non-Binding Arbitration. Disputes under this Service Plan shall be subject to mandatory, non-binding arbitration. To begin arbitration, either You or We must make a written demand to the other party for arbitration. The arbitration will take place before a single arbitrator. It will be administered in keeping with the Expedited Procedures of the Commercial Arbitration Rules (“Rules”) of the American Arbitration Association (“AAA”) in effect when the claim is filed. You may get a copy of these AAA’s Rules by contacting AAA at 1633 Broadway, 10th Floor, New York, NY 10019, calling (800) 778-7879 or visiting www.adr.org. The filing fees to begin and carry out arbitration will be shared equally between You and Us. This does not prohibit the arbitrator from giving the winning party their fees and expenses of the arbitration. Unless You and We agree, the arbitration will take place in the county and state where You live. The Federal Arbitration Act, 9 U.S.C. § 1, et seq., will govern and not any state law on arbitration. The arbitration decision will not be binding on either party, and following such decision either party may elect to bring suit in a court of competent jurisdiction with respect to the claim or claims considered in the arbitration proceeding. You also 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. Please refer to the State Disclosures section of this Plan for any added requirements in Your state. In the event this arbitration FW1618-0413 Page 7 of 8 v13-0916 provision is not approved by the appropriate state regulatory agency, and/or is stricken, severed, or otherwise deemed unenforceable by a court of competent jurisdiction, You and We specifically agree to waive and forever give up the right to a trial by jury. Instead, in the event any litigation arises between You and Us, any such lawsuit will be tried before a judge, and a jury will not be impaneled or struck.

South Carolina only: If We do not timely resolve such matters within sixty (60) days of proof of loss, You may contact the South Carolina Department of Insurance, Post Office Box 100105, Columbia, SC 29202-3105, or (800) 768-3467. All references to cash settlement are deleted.

Texas only: If You have complaints or questions regarding this Service Plan, you may contact the Texas Department of Licensing and Regulation at the following address and telephone number: Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711; (512) 463-6599 or (800) 803-9202 (Within TX only). The Registration Number for Federal Warranty Service Corporation is 269. 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 provided to You by Us before the sixty-first (61st) day after the proof of loss has been filed, or if a refund or credit is not paid before the forty-sixth (46th) day after the date on which the Service Plan is canceled, You may apply directly to American Bankers Insurance Company of Florida. The purchase of this Service Plan is not required in order to obtain financing for the Covered Product. Free Look: If You cancel this Service Plan before the thirty-first (31st) day after the date of purchase, We shall refund You or credit to Your account the full purchase price of the Service Plan decreased by the amount of any claims paid under the Service Plan and may not impose a cancellation fee. This provision applies only to the original purchaser of the Service Plan, and is not transferable. We will pay a penalty of ten percent (10%) per month on any refund that is not paid or credited within forty-five (45) days after return of the Service Plan to Us.

Utah only: Coverage afforded under the Service Plan is not guaranteed by the Property and Casualty Guaranty Association. This Service Plan is subject to limited regulation by the Utah Insurance Department. To file a compliant, contact the Utah Insurance Department. The following is added to the CANCELLATION provision: No cancellation of this Plan shall become effective, unless We provide You with notice of such cancellation at least 30 days prior to the effective date of cancellation and shall state the reason for cancellation. We may cancel for the following reasons: (a) nonpayment of Plan Price of the Plan; (b) material misrepresentation; (c) substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Plan; or (d) substantial breach of contractual duties, conditions, or warranties.

Washington only: Free Look: You may, within sixty (60) days, reject and return this Service Plan. Upon return of the Service Plan within the applicable time period, if no claims have been made, You will be refunded the full Plan 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 the return of the Service Plan. This provision applies only to the original purchaser. The obligations of the Service Plan Provider under this Service Plan are backed by the full faith and credit of the Service Plan Provider. The following is added to the ARBITRATION provision: Nothing in the section headed ‘Arbitration’ shall invalidate Washington state law(s) which would otherwise be applicable to any arbitration proceeding arising from this Service Plan. All arbitrations will be held in the county in which You maintain Your permanent residence. Only the following within the DEFINITIONS section are deleted and replaced: Administrator is changed to Provider. Purchase Price is changed to Provider Fee. Service Plan is changed to Service Contract. Service Plan Holder/You/Your is changed to Service Contract Holder. Service Plan Provider/We/Us/Our is changed to Service Contract Provider.

Wisconsin only: This Warranty Plan is not a contract of Insurance. Thi. THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. The following is added to DEFINITIONS, Warranty Plan: The Warranty Plan includes the Terms and Conditions, State Specific Requirements and the proof of purchase. INSURANCE: The obligations of the Service Plan Provider under this Warranty Plan are insured by a policy of insurance issued by American Bankers Insurance Company of Florida. If We fail to pay or provide service on a claim within sixty (60) days after proof of loss has been filed with Us or if We become insolvent or otherwise financially impaired, the written claim can be submitted to American Bankers Insurance Company of Florida at the following address: [11222 Quail Roost Drive, Miami, FL 33157], or call the toll-free number at [1-800- 852-2244]. The reasons that we may cancel this Warranty are amended under the CANCELLATION provision as follows: We reserve the right to cancel this Warranty Plan at any time in the event of substantial breach of duties by You, material misrepresentation, or nonpayment by You. The following is added to the TO OBTAIN SERVICE provision: Proof of loss must be provided as soon as reasonably possible and within one (1) year after the time required by the Service Plan. Failure to furnish proof of loss within the time required does not invalidate or reduce a claim, unless We are prejudiced thereby, and it was reasonably possible to meet the time limit.