CONGRATULATIONS! Thank You for Your recent purchase of the Protection Plan (the “Service Contract”, “Contract”). We hope You enjoy the added comfort and protection this Contract provides. Please keep this document in a safe place along with the sales receipt/invoice that You received when You purchased this Contract, as You will need them to verify Your coverage at the time of service. This information will serve as a valuable reference guide and will help You determine what is covered by this Contract. From the day You purchase this Contract, You can contact Our Administrator at any time to assist You in understanding Your Contract benefits.

DEFINITIONS

Throughout this Service Contract, the following capitalized words have the stated meaning:

1. “We”, “Us” and “Our” means the party or parties obligated to provide service under this Service Contract as the service agreement provider, Guardsman US LLC, 2200 Highway 121, Ste. 100, Bedford, TX 76021 (In Florida: this Service Contract is an agreement between You and WCPS of Florida, Inc. (License No. 80202). 2200 Highway 121, Ste. 100, Bedford, TX 76021).
2. “Administrator” refers to the entity responsible for administrating benefits to You in accordance with the Service Contract terms and conditions, Guardsman US LLC, PO Box 1189, Bedford, TX 76095 (In Florida: this Service Contract is administered by WCPS of Florida, Inc., License No. 80202).
3. “You”, “Your” refers to (1) the purchaser/original owner of this Contract and the covered Product who is to receive the repair, services, and any reimbursements provided hereunder; OR (2) the original person who acquired this Contract and the covered Product under an LTO Arrangement, who is to receive the repair and non-cash services provided hereunder; OR (3) the person that has fulfilled their LTO Arrangement and is now the owner of the covered Product and is to receive the repair, services, and any reimbursements provided hereunder; OR (4) the person to whom this Contract and the covered Product is properly transferred, who is to receive the repair, services, and any reimbursements provided hereunder.
4. “Product” means the new and/or fully inspected (by the Retailer) jewelry or watch item that You purchased and is specifically covered under this Service Contract, as indicated on Your sales receipt/invoice.
5. “Retailer” means the merchant that has been authorized by Us to sell this Service Contract to You.
6. “Deductible” means the amount You are required to pay for services covered under this Contract (if any).
7. “Claim” refers to a demand for payment in accordance with this Service Contract sent by You.
   

PRODUCT ELIGIBILITY & YOUR RESPONSIBILITIES UNDER THIS CONTRACT (MAINTENANCE AND INSPECTIONS)

In order for coverage under this Contract to remain valid, You must ensure that all required care, maintenance, and inspection services specified in the Product’s warranty are performed by (1) the original Retailer or their authorized representative, or (2) a servicing center authorized by Us or the Administrator. You will be required to provide proof of such in the event of a Claim.

WHAT IS COVERED IN GENERAL

In the event of an eligible Claim, We agree to provide for the services outlined below as applicable to the plan option You purchased. At Our sole discretion, restoration services may be provided in the form of repairs or reimbursement; subject to the LIMIT OF LIABILITY and LTO ARRANGEMENT provisions shown below (as applicable to You). Coverage described in this Contract will not replace or provide duplicative benefits during any active Retailer’s return policy and/or manufacturer’s warranty period. During such period, all parts, labor and/or shipping costs are the sole responsibility of the applicable Retailer and/or manufacturer. PARTS USED TO REPAIR YOUR PRODUCT MAY BE NEW, USED, REFURBISHED, OR NON-ORIGINAL MANUFACTURER PARTS THAT PERFORM TO THE FACTORY SPECIFICATIONS OF YOUR PRODUCT.

1. Jewelry Protection Plan: If You purchased the Jewelry Protection Plan, coverage under this Contract includes:
   • Ring soldering of covered ring Products; and
   • Restoration services required as a result of breakage during normal wear; such as: broken, worn or bent prongs; stretched or broken pearl strands; cracked or thinning ring shanks; broken chains, bracelets or clasps; broken earring posts or backs; gouges or discoloration; distorted or dented jewelry; kinked or knotted chains and bracelets; cracked, chipped, or scratched stones; and loss of diamonds or gemstones due to a defective, worn, bent or broken setting.
2. Lifetime Jewelry Protection Plan: If You purchased the Lifetime Jewelry Protection Plan, coverage under this Contract includes:
   • Ring soldering of covered ring Products;
   • Unlimited ring sizing on covered ring Products; and
   • Restoration services required as a result of breakage during normal wear; such as: broken, worn or bent prongs; stretched or broken pearl strands; cracked or thinning ring shanks; broken chains, bracelets or clasps; broken earring posts or backs; gouges or discoloration; distorted or dented jewelry; kinked or knotted chains and bracelets; cracked, chipped, or scratched stones; and loss of diamonds or gemstones due to a defective, worn, bent or broken setting.
3. Watch Protection Plan: If You purchased the Watch Protection Plan, coverage under this Contract includes:
   • Restoration services required as a result of breakage during normal wear; such as: movement failure; crystal scratches or breaks; case or bezel damage; broken watch band; broken stem or crown; and broken clasps;
   • Restoration services for cosmetic scratches and dents on silver-tone stainless steel watch bands (up to one (1) refurbishment per calendar year from Contract purchase date);
   • Replacement of damaged leather or rubber watch straps (up to one (1) replacement per calendar year from Contract purchase date); and
   • Repair or replacement for water damage to a covered water-resistant watch Product.
     

LTO ARRANGEMENT

(if applicable to You, as confirmed on Your original sales receipt/invoice) For the purpose of this section, the following words have the stated meaning: “LTO Arrangement” refers to a contractual lease-to-own legal agreement established between You (the Lessee) and a lease-to-own entity (the Lessor), through which this Service Contract and the covered Product have been obtained by You. “Lessor” refers to the financial institution who is (1) the original owner of the covered Product, and (2) has established the LTO Arrangement with You. “Lessee” refers to You; the person who has entered into an LTO Arrangement with a Lessor, and who is to become the rightful owner of the covered Product upon fulfillment of such LTO Arrangement.

• Where the Product was initially acquired under an LTO Arrangement, any reimbursement or refund will be paid to the owner of the Product at the time such reimbursement or refund is made. This will be the Lessor if You have not yet acquired ownership of the Product.
• In all other respects, the Lessee will retain a beneficial interest in this Service Contract and all non-reimbursement/refund benefits described herein shall be rendered to the Lessee.
• Any owner obligations related to maintenance of the Product shall be the responsibility of the Lessee during the duration of any LTO Arrangement except as provided by law. (Note, any reference to purchased, sold, or similar terms in this Contract shall include leased and its derivatives.)
  

DEDUCTIBLE

There is no Deductible required to obtain service on Your covered Product.

LIMIT OF LIABILITY

During Your Contract Term, the maximum amount that We are obligated to pay in connection with all Claims pursuant to this Contract shall not exceed (at Our sole discretion):

1. The accumulation of costs for repairs and/or services to Your covered Product equal to the original Product purchase price; OR
2. One (1) replacement of Your whole original covered Product; OR
3. A one-time reimbursement equal to the fair market value of the original covered Product;
4. Whichever occurs first.

Once any one of the above limits has been met, Our obligations will be considered fulfilled and coverage under this Contract ends. IN ADDITION TO THAT WHICH IS NOTED ABOVE, NEITHER WE NOR THE ADMINISTRATOR NOR THE RETAILER SHALL BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES; INCLUDING BUT NOT LIMITED TO: PROPERTY DAMAGE, LOST TIME RESULTING FROM DAMAGE TO OR BREAKAGE OF THE COVERED PRODUCT, FROM DELAYS IN SERVICE OR THE INABILITY TO RENDER SERVICE OR RESULTING FROM THE UNAVAILABILITY OF REPAIR PARTS/COMPONENTS.

TERM OF COVERAGE

Coverage begins on Your Contract purchase date and continues for the period of time defined on Your sales receipt/invoice (“Term”).

HOW TO FILE A CLAIM

Visit any of Your Retailer’s locations with Your Contract sales receipt and covered Product in hand. Your Retailer will contact the Administrator and confirm Claim eligibility under this Contract. If a Retailer is not convenient to You, then contact the Administrator at 1-888-349-0190 or visit www. MyProtectionPlan360.com/RogersEnt (available 24/7) to receive a Claims authorization number and detailed instructions on how Your Product will be serviced. In the event the Contract Term expires during time of an approved Claim, Your coverage will be automatically extended until the date in which the Claim in progress has been fulfilled completely in accordance with the terms and conditions of the Contract.

WHAT IS NOT COVERED (GENERAL EXCLUSIONS)

THIS CONTRACT DOES NOT COVER REPAIR OR REIMBURSEMENT OF THE PRODUCT FOR ANY OF THE FOLLOWING CAUSES, OR PROVIDE COVERAGE FOR ANY OF THE FOLLOWING LOSSES:

1. PRE-EXISTING CONDITIONS KNOWN TO YOU (“PRE-EXISTING CONDITION” REFERS TO A CONDITION THAT WITHIN ALL REASONABLE PROBABILITY, RELATES TO THE FITNESS OF THE PRODUCT BEFORE THIS CONTRACT WAS PURCHASED);
2. DAMAGE FROM MISUSE, ABUSE, WILLFUL/INTENTIONAL CONDUCT ASSOCIATED WITH HANDLING AND USE OF THE PRODUCT INCLUDING INTRODUCTION OF FOREIGN OBJECTS INTO THE COVERED PRODUCT;
3. UNAUTHORIZED PRODUCT REPAIRS, MODIFICATIONS OR ALTERATIONS;
4. FAILURE TO FOLLOW THE MANUFACTURER’S INSTRUCTIONS;
5. FORTUITOUS EVENTS SUCH AS FIRE, COLLISION, VANDALISM, THEFT AND PERILS OF NATURE;
6. DAMAGE OR LOSS RESULTING FROM THE LACK OF OBTAINING MAINTENANCE OR INSPECTIONS REQUIRED BY THE MANUFACTURER;
7. ANY DAMAGE THAT IS COVERED UNDER ANY OTHER INSURANCE, WARRANTY, GUARANTEE AND/OR SERVICE AGREEMENT PROVIDING THE SAME BENEFITS AS OUTLINED IN THIS CONTRACT;
8. DAMAGE THAT IS NOT REPORTED PRIOR TO THE EXPIRATION OF THE TERM OF THIS CONTRACT;
9. PHYSICAL LOSS (MISPLACEMENT) OF THE COVERED PRODUCT;
10. ANY INHERENT PRODUCT DESIGN DEFECTS OR FLAWED GEMSTONES;
11. LOSS OF DIAMONDS, GEMSTONES OR OTHER MATERIALS (UNLESS SUCH LOSS IS RELATED TO A FUNCTIONAL BREAKDOWN OF THE COVERED PRODUCT);
12. PARTS NORMALLY DESIGNATED TO BE REPLACED PERIODICALLY BY YOU OR CONSUMED DURING THE LIFE OF THE PRODUCT SUCH AS BATTERIES;
13. WATER DAMAGE IF USED UNDER CONDITIONS WHICH EXCEED THE MANUFACTURER’S WATER RESISTANCE GUIDELINES;
14. DIAMONDS, GEMSTONES OR ANY OTHER COMPONENTS SUPPLIED BY THE CUSTOMER AND NOT INCLUDED AS A COVERED PRODUCT UNDER THE SERVICECONTRACT;
15. COSMETIC SCRATCHES AND DENTS ON NON-SILVERTONE STAINLESS STEEL WATCH BANDS;
16. RING SIZING ASSOCIATED WITH ARTHRITIC SHANKS;
17. DAMAGE DURING SHIPMENT BY YOU TO A SERVICE CENTER OR RELOCATION OF THE COVERED PRODUCT BY YOU; OR
18. ANY SERVICE TO THE COVERED PRODUCT OUTSIDE OF THE UNITED STATES OF AMERICA, ITS TERRITORIES, OR CANADA, UNLESS PRIOR AUTHORIZED BY THE ADMINISTRATOR.
    

OUR RIGHT TO RECOVER PAYMENT

If You have the right to recover against another party for anything We have paid under this Contract, Your rights shall become Our rights. You shall do whatever is necessary to enable Us to enforce these rights. We shall recover only the excess after You are fully compensated for Your loss.

CANCELLATION

The original purchaser of this Contract may cancel this Service Contract at any time by calling the Retailer to inform it of Your cancellation request and complying with the cancellation provisions below. No cancellation fee applies. NOTICE: The following cancellation provisions apply to the original purchaser of this Service Contract only. This Service Contract is non-cancelable if it has been transferred to a subsequent owner of the Product.

IF YOU CANCEL THIS CONTRACT:

• Within 30 days of the Contract purchase date, You will receive a 100% refund of the full Contract purchase price paid by You, minus any Claims paid by Us (except in Arizona, Georgia, Missouri & Nevada where Claims deduction is prohibited). If Your refund is not paid or credited within thirty (30) days after Your cancellation request to Us, We will add an extra 10% to Your due refund for every thirty (30) days the refund is not paid by Us.
• After 30 days of the Contract purchase date, You will receive a pro-rata refund of the full Contract purchase price paid by You, minus any Claims paid by Us (except in Arizona, Georgia, Missouri & Nevada where Claims deduction is prohibited).
  

WE MAY ONLY CANCEL THIS CONTRACT FOR:

• Non-payment of the Contract purchase price by You (including when an LTO Arrangement is in place, a situation whereby You (the Lessee) default on the LTO Arrangement, which results in non-payment of the Contract purchase price from You (the Lessee) through the Lessor to Us);
• Material misrepresentation by You; or
• Substantial breach of duties under this Contract by You in relation to the Product or its use.

If We cancel this Contract, We will provide written notice of cancellation to You at least 15 days (30 days in Georgia) (21 days in Washington) prior to the effective date of cancellation. Such notice will be sent to Your current address in Our file (email or physical address as applicable), with the reason for and effective date of such cancellation. If We cancel this Contract, You will receive a refund based upon the same criteria outlined above.

NOTICE: If Your Product and this Contract were financed, the lienholder may cancel this Contract for non-payment. If the lienholder cancels this Contract for non-payment, any outstanding balance due to the lienholder will be deducted from any refund due, and will be paid to the lienholder instead of You.

IMPORTANT: Under an active LTO Arrangement, based on the applicable provision outlined above, any outstanding balance due to the Lessor will be deducted from any refund amount that may be due and paid to the Lessor instead of You.

GUARANTY

This is not an insurance policy; it is a service contract. We have obtained an insurance policy to insure Our performance under this Service Contract. Should We fail to pay any Claim or fail to replace the Product covered under this Contract within sixty (60) days after the Claim has been submitted, or in the event You cancel this Contract, and We fail to refund any unearned portion of the Contract price, You are entitled to make a direct Claim against the insurer, Wesco Insurance Company, at 866-505-4048 or 59 Maiden Lane, 43rd Floor, New York, NY 10038.

RENEWABILITY

If You wish to renew coverage under this Contract, please contact the Administrator prior to the expiration of Your current Term to initiate Our renewal process. Renewability is determined at Our sole discretion and may not be available.

TRANSFERS

This Contract may only be transferred once to a gift recipient during the first 90 days after the covered Product purchase, at Our sole discretion. The CANCELLATION provisions apply to the original purchaser of this Contract only.

ENTIRE AGREEMENT

This Contract, including the terms, conditions, limitations, exceptions and exclusions, and Your Contract sales receipt/invoice, constitutes the entire agreement and no representation, promise or condition not contained herein shall modify these items, except as required by law.

SPECIAL STATE REQUIREMENTS

Regulation of service contracts may vary widely from state to state. Any provision within this Contract which conflicts with the laws of the state where You live will automatically be considered to be modified in conformity with applicable state laws and regulations as set forth below. The following state specific requirements apply if Your Contract was purchased in one of the following states and supersede any other provision within Your Contract terms and conditions to the contrary.

Alabama: HOW TO FILE A CLAIM - If You need to file a Claim under this Service Contract, You must obtain authorization by calling the Administrator at 1-888-349-0190 or by visiting www.MyProtectionPlan360.com/RogersEnt. If You need authorization when the Administrator’s office is closed, You may obtain prior authorization by visiting www. MyProtectionPlan360.com/RogersEnt any time. Failure to obtain prior authorization may result in non-payment. CANCELLATION is amended as follows: Any refund may be credited to any outstanding balance of Your account and the excess, if any, returned to You.

Arizona: LIMIT OF LIABILITY is amended as follows: in addition to that which is noted above, neither we nor the administrator nor the retailer shall be liable for any incidental or consequential damages;

including but not limited to: property damage, lost time, lost data, or lost income/wages resulting from the failure of or damage to any covered product or component thereof, regardless of whether such failure or damage is covered under the provisions of this contract, or from delays in service or the inability to render service, or resulting from the unavailability of repair or replacement parts/components/items or inability to provide exact match replacement, or if the information provided by You cannot be verified as accurate or is found to be deceptively inaccurate; including any inherent product flaws. EXCLUSIONS (WHAT IS NOT COVERED) - We shall not provide coverage only for those specifically listed items in the “EXCLUSIONS (WHAT ISNOT COVERED)” section which occurred while owned by You. “Pre-existing conditions” definition is deleted and replaced with: If the information provided by You cannot be verified as accurate or is found to be deceptively inaccurate. CANCELLATION is amended as follows: The Provider may only cancel this Service Contract for fraud by You, material misrepresentation by You, nonpayment by You or a substantial breach of duties by You relating to the covered property or its use. In no event will any claims incurred or paid be deducted from any refund.

Arkansas: HOW TO FILE A CLAIM - If You need to file a Claim under this Service Contract, You must obtain authorization by calling the Administrator at 1-888-349-0190 or by visiting www.MyProtectionPlan360.com/RogersEnt. If You need authorization when the Administrator’s office is closed, You may obtain prior authorization by visiting www.MyProtectionPlan360.com/RogersEnt any time. Failure to obtain prior authorization may result in non-payment.

California: Guardsman Industries, LLC (License No. SA-83) is the Service Contract Administrator and Warrantech Consumer Product Services, Inc. (License No. SA-1) is the Obligor for this Service Contract. CANCELLATION is amended as follows: This Service Contract may be cancelled by the Service Contract Holder for any

reason, including, but not limited to, the Device covered under this Service Contract being sold, lost, stolen or destroyed. If You decide to cancel Your Service Contract, and Your cancellation notice is received by the Administrator within sixty (60) days of the date You received the Service Contract and no claims have been paid, You will be refunded the full Service Contract price. If You have made claims against the Service Contract or cancellation notice is received by the Administrator after sixty (60) days of the date You received the Service Contract, You will be refunded a pro-rated amount of the Service Contract price, less any claims paid.

Connecticut: This Service Contract is an agreement between the Obligor/Provider, Guardsman US LLC, 2200 Highway 121, Ste. 100, Bedford, TX 76021, 1-888-349-0190 and You. In the event of a dispute with Administrator, You may contact The State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attn: Consumer Affairs. The written complaint must contain 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 warranty Service Contract. GUARANTY is amended as follows: If We fail to pay or to deliver service on a claim within sixty (60) days after proof of loss has been filed, or in the event You cancel this Service Agreement and We fail to issue any applicable refund within sixty (60) days after cancellation, file a claim against the insurer, Wesco Insurance Company at 59 Maiden Lane, 43rd Floor, New York, NY 10038, by calling 1-866-505-4048. CANCELLATION is amended as follows: This Service Contract may be cancelled by the Service Contract Holder if the Device covered under this Service Contract is returned, sold, lost, stolen or destroyed.

Florida: This Service Contract is between the Provider, WCPS of Florida, Inc. (License No. 80202) and You, the purchaser. The rates charged to You for this Service Contract are not subject to regulation by the Florida Office of Insurance Regulation. CANCELLATION is deleted and replaced with the following: You may cancel Your Service Contract by informing the selling dealer or the Administrator, WCPS of Florida, Inc. (License No. 80202) of Your cancellation request. In the event the Service Contract is canceled by You, return of the premium shall be based upon one hundred percent (100%) of the unearned pro-rata premium less any Claims that have been paid or less the cost of repairs made on Your behalf. In the event the Service Contract is canceled by the Administrator or Provider, return of the premium shall be based upon one hundred percent (100%) of the unearned pro-rata premium less any Claims that have been paid or less the cost of repairs made on Your behalf.

Georgia: CANCELLATION is amended as follows: In no event will any claims incurred or paid be deducted from any refund and if applicable, in cases where the original retailer closed, is out of business or You (contract holder) have moved out of the retailer’s normal delivery area. If a cancellation fee is applicable, it will not exceed 10% of the pro-rata refund amount and only applies to cancellations by the contract holder. The Provider may only cancel this Service Contract for fraud by You, material misrepresentation by You, or nonpayment by You. If the Provider cancels, the Provider must provide 30 days written notice of cancellation. If the purchase of this Contract was financed, the lienholder may only cancel this Contract for non-payment if they hold a power of attorney. EXCLUSIONS (WHAT IS NOT COVERED) – Only unauthorized product repairs, modifications or alterations performed after the effective date of the Service Contract are excluded. PRE-EXISTING CONDITIONS – The “PreExisting Condition:” definition is deleted and replaced with: conditions that were caused by You or known by You prior to purchasing this Service Contract. Any arbitration provision is deleted in its entirety.

Illinois: Covered items must be in place and in good operating condition on the effective date of coverage and become inoperative due to defects in materials or workmanship, Power Surge event, or ADH event if applicable to Your Plan, after the effective date of this Service Contract This Service Contract does not cover failures resulting from normal wear and tear.

Indiana: This Contract is not insurance and is not subject to Indiana insurance law. Your proof of payment to the Retailer for this Service Contract shall be considered proof of payment to the insurance company which guarantees Our obligations to You. If We fail to perform or make payment due under this Contract within sixty (60) days after You request the performance or payment, You may request the performance or payment directly from the insurer that issued the provider’s Service Contract reimbursement policy, including any applicable requirement under the Contract that the provider refund any part of the cost of the Contract upon cancellation of the Contract. PRE-EXISTING CONDITIONS – The “Pre-Existing Condition:” definition is deleted and replaced with: conditions that were caused by You or known by You prior to purchasing this Service Contract.

Michigan: If performance of the Service Contract is interrupted because of a strike or work stoppage at the company’s place of business, the effective period of the Service Contract shall be extended for the period of the strike or work stoppage.

Nevada: CANCELLATION is amended as follows: In no event will any claims incurred or paid be deducted from any refund. We may cancel this Service Agreement within seventy (70) days from the date of purchase for any reason. After seventy (70) days, We may only cancel this Service Agreement for nonpayment by You, fraud or material misrepresentation by You, or a substantial breach of duties by You relating to the covered property or its use if it occurred after the effective date of the service contract and it substantially and materially increased the service required under the service contract. If We cancel this Service Contract, You will be entitled to a pro-rata refund of the unearned Service Contract fee, no cancellation fee shall apply, and We shall mail a written notice to You at the last known address held by Us at least fifteen (15) days preceding the effective date of cancellation. The notice will state the effective date and the reason for the cancellation. If Your Service Contract was financed, the outstanding balance will be deducted from any refund. EXCLUSIONS (WHAT IS NOT COVERED) – This Contract provides coverage that is excess over any other applicable coverage. Only unauthorized product repairs, modifications or alterations performed after the effective date of the Service Contract, or damages arising from such actions are excluded. If Your service contract relates to goods that are essential to Your health and safety and the repair of such goods is covered under the terms and conditions of Your contract, You may request emergency service at any time by calling Us at 888-349-0190 or online at www.MyProtectionPlan360.com. If the emergency service involves the loss of heating or cooling, loss of plumbing or substantial loss of electrical service and the emergency renders a dwelling unfit for a person to live in because of defects that immediately endanger the health and safety of the occupants of the dwelling, We will commence repairs within 24 hours after the report of the claim and will complete repairs as soon as reasonably practicable thereafter. If We determine that repairs cannot practicably be completed within 3 calendar days after the report of the claim, We will provide a status report to You and to the Nevada Insurance Commissioner as required by Nevada law. Any reference to ‘administrative fee’ with respect to cancellation is changed to ‘cancellation fee’. If You are not satisfied with the manner in which We are handling Your claim, You may contact the Nevada Insurance Commissioner by use of the toll-free telephone number of the Insurance Division, (888) 872-3234.

New Hampshire: In the event You do not receive satisfaction under this Service Contract, You may contact the New Hampshire Insurance Department at, 21 South Fruit Street, Suite 14, Concord, NH 03301, 603-271-2261.

New Mexico: GUARANTY is amended to include: This service contract is insured by Wesco Insurance Company. If the service contract provider fails to pay You or otherwise provide You with the covered service within sixty (60) days of Your submission of a valid claim, You may submit Your claim to Wesco Insurance Company at 866-505-4048, [email protected], or 59 Maiden Lane, 43rd Floor, New York, NY 10038. If you have any concerns regarding the handling of your claim, you may contact the Office of Superintendent of lnsurance at 855-427-5674. CANCELLATION is amended as follows: We may cancel this Service Contract within seventy (70) days from the date of purchase for any reason. After seventy (70) days, We may only cancel this Service Contract for the following acts by the Contract Holder: Non-payment; discovery of fraud or material misrepresentation by the Contract Holder in obtaining the Service Contract or in presenting a claim; or discovery of either of the following if it occurred after the effective date of the Service Contract and substantially and materially increased the service required under the Service Contract: an act or omission; or a violation of any condition of the Service Contract.

North Carolina: CANCELLATION is amended as follows: We may only cancel this Service Contract for non-payment of the purchase price of the Service Contract or a direct violation of the Service Contract by You.

Oklahoma: The Service Warranty Association is Guardsman US LLC, 2200 Highway 121, Ste. 100, Bedford, TX 76021, 1-888-349-0190, Oklahoma Identification #507496076. This is not an insurance contract. Coverage afforded under this service warranty is not guaranteed by the Oklahoma Insurance Guaranty Association. CANCELLATION is deleted and replaced with the following: You may cancel Your Service Contract at any time by informing Us or the Administrator. If You cancel this Service Contract within the first thirty (30) days and no Claim has been authorized or paid within the first thirty (30) days, We will refund the entire Service Contract purchase price. If You cancel this Service Contract after the first thirty (30) days, or have made a Claim within the first thirty (30) days, return of the Provider fee shall be based upon one hundred percent (100%) of the unearned pro-rata Provider fee less the actual cost of any service provided under the Service Contract. If We cancel this Service Contract, return of the Provider fee shall be based upon one hundred percent (100%) of unearned pro-rata Provider fee less the actual cost of any service provided under the Service Contract.

Oregon: This Service Contract is an agreement between the Obligor/Provider, Guardsman US LLC, 2200 Highway 121, Ste. 100, Bedford, TX 76021, 1-888-349-0190 and You. NOTICE: If the purchase of this Contract was financed, any outstanding balance due to the finance company will be deducted from any due refund and paid to the finance company instead of You. The refund amount paid to the finance company may be less than the Contract purchase price financed if claims have been paid by Us. HOW TO FILE A CLAIM - If You need to file a Claim under this Service Contract, You must obtain authorization by calling the Administrator at 1-888-349-0190 or by visiting www.MyProtectionPlan360.com/RogersEnt. If You need authorization when the Administrator’s office is closed, You may obtain prior authorization by visiting www. MyProtectionPlan360.com/RogersEnt any time. Failure to obtain prior authorization may result in non-payment. CANCELLATION is amended to add: If the purchase of this Contract was financed, any outstanding balance due to the finance company will be deducted from any due refund and paid to the finance company instead of You. The refund amount paid to the finance company may be less than the Contract purchase price financed if claims have been paid by Us. NOTICE: As used in the “EXCLUSIONS (WHAT IS NOT COVERED)” section of this Contract, the word “data” refers to nonproprietary information.

South Carolina: If You have any questions regarding this Service Contract, or a complaint against the Obligor, You may contact the

South Carolina Department of Insurance at 1201 Main Street, Suite 1000, Columbia, South Carolina 29201, (803) 737- 6160.

Texas: The Administrator is Guardsman US LLC, Service Contract Administrator No. 731. If You have any questions regarding the regulation of the Service Contract Provider or a complaint against the Obligor, You may contact the Texas Department of Licensing & Regulation, 920 Colorado, P.O. Box 12157, Austin, Texas 78711, (800) 803-9202. CANCELLATION section is amended as follows: You may return this Service Contract within thirty (30) days of the date of purchase of this Service Contract. If this Service Contract is cancelled within the first thirty (30) days, We will refund the entire Service Contract charge, less claims paid. If this Service Contract is cancelled after the first thirty (30) days, You will receive a pro-rata refund of the Service Contract price less claims paid. A ten percent (10%) penalty per month will be added to a refund that is not made within thirty (30) days of Your cancellation request to the Provider. You may apply for reimbursement directly to the insurer if a refund or credit is not paid before the 46th day after the date on which the Service Agreement is canceled. These provisions apply only to the original purchaser of the Service Agreement.

Utah: The Provider/Obligor is Guardsman US LLC, 2200 Highway 121, Ste. 100, Bedford, TX 76021, 1 888-349-0190. This Service Contract or warranty is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. Coverage afforded under this Service Contract is not guaranteed by the Property and Casualty Guaranty Association. GUARANTY is amended as follows: Should the provider fail to pay or provide service on any claim within 60 days after proof of loss has been filed, the contract holder is entitled to make a claim directly against the Insurance Company. CANCELLATION – Is amended as follows: We may only cancel this Service Contract for material misrepresentation by You, nonpayment by You or a substantial breach of contractual duties by You relating to the covered property or its use. If We cancel this Service Contract for material misrepresentation or a substantial breach of contractual duties, such cancellation will be effective thirty (30) days after mailing of notice. If We cancel this Service Contract for non-payment, such cancellation will be effective fifteen (15) days after the mailing of notice. The notice will state the effective date and the reason for the cancellation.

Virginia: If any promise made in the contract has been denied or has not been honored within 60 days after your request, you may contact the Virginia Department of Agriculture and Consumer Services, Office of Charitable and Regulatory Programs at http://www.vdacs.virginia.gov/food-extended-service contract-providers.shtml to file a complaint.

Washington: Warrantech Consumer Product Services, Inc. P.O. Box 1189 Bedford, TX 76095 is the Obligor for this Service Contract. The State of Washington is the jurisdiction for any civil action in connection with this Contract. EXCLUSIONS (WHAT IS NOT COVERED)– What is excluded from coverage is limited to that which is expressly stated under the “EXCLUSIONS (WHAT IS NOT COVERED)” section of this Service Contract which occurred while owned by You. GUARANTY is amended to include: A contract holder is entitled to apply directly to Wesco Insurance Company, at 59 Maiden Lane, 43rd Floor, New York, NY 10038 or 866-505-4048 for refund, payment, or performance due.

Wisconsin: THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. All references to “Service Agreement/ Agreement” are hereby deleted and replaced with “Service Contract”. CANCELLATION is deleted and replaced as follows: You may cancel this Service Contract at any time by informing Us or the Administrator. If this Service Contract is canceled within thirty (30) days of the date of purchase and no Claims have been paid, the Administrator shall return one hundred percent (100%) of the purchase price paid and the Service Contract shall be void. The right to void the Service Contract applies only to the original purchaser of the Service Contract. If Your refund is not paid or credited within thirty (30) days after Your cancellation request to Us, We will add an extra ten percent (10%) to Your due refund for every thirty (30) days the refund is not paid by Us. For Service Contracts canceled subsequent to the period stated above or if a claim has been made under this Service Contract within such period, We shall refund one hundred percent (100%) of the unearned pro rata provider fee, less any claims paid. If You request cancellation due to a total loss of Your Product which is not covered by a replacement under the terms of Your Service Contract, the Administrator shall return one hundred percent (100%) of the unearned pro-rata Service Contract purchase price paid, less claims paid. We may only cancel this Service Contract for material misrepresentation by You, nonpayment by You or a substantial breach of duties by You relating to the covered property or its use. If We cancel for any reason other than nonpayment, then We shall refund one hundred percent (100%) of the unearned pro rata provider fee, less any claims paid. If We cancel this Service Contract, We shall provide written notice to You at Your last known address at least fifteen (15) days prior to cancellation. The notice shall state the effective date of the cancellation and the reason for the cancellation. Unauthorized repairs may not be covered. GUARANTY is deleted and replaced as follows: Our obligations under this Service Contract are insured under a Service Contract reimbursement insurance policy. Should We fail to pay any Claim or fail to replace the Product covered under this Service Contract within sixty (60) days after You provide proof of loss or, in the event You cancel this Service Contract and We fail to refund the unearned portion of the Service Contract purchase price, or if the Provider becomes insolvent or otherwise financially impaired, You are entitled to make a direct Claim against the insurer, Wesco Insurance Company, at 1 866-505- 4048 or 59 Maiden Lane, 43rd Floor, New York, NY 10038 for reimbursement, payment or provision of this Service Contract. Unauthorized repairs may not be covered.

Wyoming: This service contract is not available in Wyoming.