Help Desk x Close Window 
 

Buyer Protection Plan Terms & Conditions


Obligor:The companies obligated under this Contract are as follows: If this Contract is purchased in Maine: the retailer from which You purchased this Contract and the Product; if purchased in any other state (except Arizona, Florida, Oklahoma, Texas or Wisconsin) or the District of Columbia:National Product Care Company,175 West Jackson Blvd, Chicago, IL 60604; If purchased in Arizona, Oklahoma or Wisconsin:Service Saver, Incorporated,175 West Jackson Blvd, Chicago, IL 60604; If purchased in Florida:National Electronics Warranty Corporation of Florida,(a Service Warranty Association), P.O. Box 1340, Sterling, Virginia 20167; if purchased in Texas, the obligor is National Product Care Company, dbaTexas National Product Care Company,Inc. 175 West Jackson Blvd, Chicago, IL 60604.

Instructions:You must keep this Contract and Your sales receipt, as You may be required to produce them to obtain service. This Contract, including the terms, conditions, limitations, exceptions and exclusions, and the sales receipt constitute the entire agreement. Your rights under this Contract may vary from state to state.

To Obtain Service:Call N.E.W. 24 hours a day, seven days a week, at 1-866-212-1975 for referral to the nearest authorized service center. Please have Your receipt handy and be prepared to tell Us which Product needs service and the nature of the problem. You must call N.E.W. prior to having service; all repairs must be authorized in advance. We will not reimburse You for work done by unauthorized servicers or others. Unauthorized repairs or replacements may not be covered. There is no deductible required to obtain service for Your Product. Foreign language assistance is available for Your convenience.

What is Covered:

For Service Plans:This Contract covers parts and labor costs resulting from a mechanical or electrical failure of the Product caused by defects in workmanship and/or materials. We will repair or replace the Product, or reimburse You for authorized repairs to or replacement of the Product, at Our discretion, when required due to a Breakdown, including those experienced during normal wear and tear, which is not covered under any other warranty or service contract. A mechanical or electrical breakdown caused by unintentional and accidental damage from handling of the Covered Product is also covered on the following Products: digital cameras, digital frames, handheld video games, portable audio equipment, and video game consoles. The Covered Product must fail during normal usage. If in-home service is provided for the full term of your manufacturer's warranty, it will be provided under this Contract. If Your Product requires in-home service, a technician may be sent to Your home to (1) pick up Your Product for repair at an authorized service center or (2) repair the Product on-site. If service on Your Product is repaired at an authorized service center, pick up and delivery charges will not be assessed to You, but will be covered under this Contract. If in-home service is not provided, You will be responsible for delivery or the cost of delivery of the Product to the service center for repair or replacement. Non-original manufacturer's parts may be used for repair of the Product if the manufacturer's parts are unavailable or more costly. At Our discretion We may replace Your video game console with a remanufactured unit.

For Replacement Plans:We will replace the Product with a product with similar features or reimburse You for the original purchase price of the Product, at Our discretion, when required due to a Breakdown, including those experienced during normal wear and tear, which is not covered under any other warranty or service contract. A mechanical or electrical breakdown caused by unintentional and accidental damage from handling of the Covered Product is also covered on the following Products: digital cameras, digital frames, GPS devices, handheld video games, portable audio equipment, pre-paid cell phones, and video game consoles. The Covered Product must fail during normal usage. If Your Product requires replacement, You will be instructed to ship Your Product to Our authorized service center, per Our instructions. N.E.W. will pay for the cost of shipping Your Product to the Our authorized service center for replacement. You will then be reimbursed the original price of Your Product in the form of a Toys R Us gift card.

For strollers, breast pumps, and car seats:if Your Product requires replacement, You will be instructed to fill out a claim form and fax the completed claim form along with Your original sales receipt to 406-727-4480. You will then be instructed to purchase a new Product with similar features from the Retailer from which You purchased Your original Product. After You have purchased Your replacement Product, You must fax in a copy of the new receipt containing the purchase of the replacement Product. Upon receipt of the new sales receipt, a representative will contact You with shipping instructions for the original product. We will reimburse You the original purchase price in the form of a check or gift card once the original product is received at Our authorized service center, and a covered failure has been verified. Or at Our discretion, We may purchase Your replacement product for You and have it shipped to the address You specify or reimburse You for the original purchase price, including appropriate sales tax, in the form of a check or gift card. N.E.W. will pay for the cost of shipping Your Product to Our authorized service center.

Term of Coverage:

For Service Plans:Your term of coverage begins upon Your date of purchase and continues for a period of two (2) or three (3) years depending upon the Plan You purchased. Except for power surge and unintentional and accidental damage from handling, which begins on the date You purchase Your Covered Product, coverage is effective upon expiration of the manufacturer's labor warranty. In the event Product is being serviced by an Authorized Service Center when the Contract expires, the term of the Contract will be extended until the covered repair has been completed.

For Replacement Plans:Your term of coverage begins on Your date of purchase and continues for a period of fifteen (15) months. Except for unintentional and accidental damage from handling, which begins on the date You purchase Your Covered Product, coverage begins upon the expiration of the return to store policy of thirty (30) days.

Limit of Liability:For any single claim, the limit of liability under this Contract shall be the least of the cost of (1) the total of authorized repairs performed, up to the purchase price paid for the covered Product, (2) replacement with a product with similar features, (3) reimbursement for authorized repairs or replacement up to the purchase price paid for the covered Product, or (4) the price that You paid for the Product. In the event that the total of all authorized repairs exceeds the purchase price paid for the Product, We replace the Product with another with similar features, or We reimburse You for the purchase price paid for the Product, We shall have satisfied all obligations owed under this Contract.

No Lemon Policy:During the term of this Contract, after three (3) service repairs have been completed on an individual Product for the same defect, and that Product requires a fourth repair, as determined by Us, We will replace it with a product with similar features, not to exceed the original purchase price. Repairs performed while the Product is under manufacturer's warranty do not apply. Replacement of Product constitutes Contract fulfillment. (NOTE: The No Lemon Policy is not applicable to breakdowns caused by unintentional and accidental damage from handling).

WHAT IS NOT COVERED: (1) INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO ANY DELAY IN RENDERING SERVICE UNDER THIS CONTRACT, FOR LOSS OF DATA, OR FOR LOSS OF USE DURING THE PERIOD THAT THE PRODUCT IS AT A REPAIR CENTER OR OTHERWISE AWAITING PARTS; (2) ANY AND ALL PRE-EXISTING CONDITIONS THAT OCCUR PRIOR TO THE EFFECTIVE DATE OF THIS CONTRACT; (3) DAMAGE FROM ACCIDENT (UNLESS COVERAGE OTHERWISE NOTED ABOVE), ABUSE, MISUSE, INTRODUCTION OF FOREIGN OBJECTS INTO THE PRODUCT, UNAUTHORIZED PRODUCT MODIFICATIONS OR ALTERATIONS; (4) FAILURE TO FOLLOW THE MANUFACTURER'S INSTRUCTIONS; (5) THIRD PARTY ACTIONS (FIRE, COLLISION, VANDALISM, THEFT, ETC.); (6) THE ELEMENTS OR ACTS OF GOD; (7) WAR, INVASION OR ACT OF FOREIGN ENEMY, HOSTILITIES, CIVIL WAR, REBELLION, RIOT, STRIKE, LABOR DISTURBANCE, LOCKOUT OR CIVIL COMMOTION; (8) DAMAGE CAUSED BY DEFECTIVE BATTERIES OR REPLACEMENT OF DEFECTIVE BATTERIES, WITH THE EXCEPTION OF DAMAGE MANIFESTING FROM POWER SURGES; (9) DAMAGE COVERED BY ANY OTHER WARRANTY OR SERVICE CONTRACT; (10) PREVENTATIVE MAINTENANCE; (11) DAMAGE WHICH IS NOT REPORTED WITHIN THIRTY (30) DAYS AFTER EXPIRATION OF THIS CONTRACT; (12) COST OF INSTALLATION, REMOVAL OR REINSTALLATION OF THE PRODUCT GREATER THAN $45; (13) PERIODIC CHECKUPS AND/OR MAINTENANCE AS DIRECTED BY THE MANUFACTURER; (14) ANY LOSS OTHER THAN A COVERED BREAKDOWN OF THE PRODUCT; (15) PRODUCTS NOT ORIGINALLY COVERED BY A MANUFACTURER'S WARRANTY; (16) NON-FUNCTIONAL OR AESTHETIC PARTS INCLUDING BUT NOT LIMITED TO PLASTIC PARTS OR KNOBS; (17) UNAUTHORIZED REPAIRS AND/OR PARTS; (18) PARTS FAILURE DUE TO A MANUFACTURER RECALL REGARDLESS OF THE MANUFACTURER'S ABILITY TO PAY FOR SUCH FAILURES; (19) ACCESSORIES USED IN CONJUNCTION WITH A COVERED PRODUCT; (20) DAMAGE, WARPING OR RUSTING OF ANY KIND TO THE HOUSING, CASE OR FRAME OF THE PRODUCT OR ANY NON-OPERATING PART; (21) PARTS NORMALLY DESIGNATED TO BE REPLACED PERIODICALLY BY YOU OR CONSUMED DURING THE LIFE OF THE PRODUCT (I.E., BATTERIES, VIDEO CASSETTES, DVDS AND COMPACT DISCS, ETC.); (22) DAMAGE INCURRED DURING TRANSPORTATION; (23) LOSS OR DAMAGE RESULTING FROM THE FAILURE TO PROVIDE MANUFACTURER'S RECOMMENDED MAINTENANCE; (24) IMPROPER INSTALLATION OF COMPONENTS OR PERIPHERALS; (25) BURNED-IN PHOSPHOR IN CATHODE RAY TUBES OR ANY OTHER TYPE OF DISPLAY; (26) ANY DAMAGE CAUSED BY A COMPUTER VIRUS; (27) ANY DAMAGE TO RECORDING MEDIA, INCLUDING ANY SOFTWARE PROGRAMS, DATA, OR CONFIGURATION/SETUP INFORMATION RESIDENT ON ANY MASS STORAGE DEVICES SUCH AS HARD DRIVES, CD-ROM DRIVES, DVD DRIVES, FLOPPY DISKETTES, TAPE DRIVES OR TAPE BACKUP SYSTEMS, AS A RESULT OF THE MALFUNCTIONING OR DAMAGE OF AN OPERATING OR NON-OPERATING PART, OR AS A RESULT OF ANY REPAIRS OR REPLACEMENT UNDER THIS CONTRACT; (28) PRODUCTS WITH REMOVED OR ALTERED SERIAL NUMBERS; (29) ALL COMPUTER SOFTWARE, INCLUDING CUSTOMIZED OR PROPRIETARY SOFTWARE, AND THOSE SOFTWARE ERRORS THAT CONFIRM IMPROPERLY FUNCTIONING OR DEFECTIVE SOFTWARE; (30) LOSS OR CORRUPTION OF DATA AND/OR THE RESTORATION OF SOFTWARE AND OPERATING SYSTEMS; (31) PRODUCT REPAIRS WHICH SHOULD BE COVERED BY A MANUFACTURER'S WARRANTY; (32) PRODUCTS SOLD "AS-IS" INCLUDING BUT NOT LIMITED TO FLOOR MODELS (UNLESS COVERED BY A FULL MANUFACTURER'S WARRANTY ON YOUR DATE OF PURCHASE) AND DEMONSTRATION MODELS; (33) SERVICE THAT OCCURS OUTSIDE OF THE DISTRICT OF COLUMBIA AND THE FIFTY (50) UNITED STATES OF AMERICA; (34) POOLS AND ALL INFLATABLES.

Definitions:(1)We/Us/Our:The company obligated under this Contract, as referenced in the "Obligor" section of this Contract; (2)N.E.W.:The administrator of this contract; namely: In all states (except AL, AZ, FL & WI) and DC: National Electronics Warranty, LLC; In FL: National Electronics Warranty Corporation of Florida; in AL, AZ, and WI: N.E.W. Warranty Services, Inc. ; (3)Breakdown:The mechanical or electrical failure of the Product caused by defects in workmanship and/or materials; (4)Product:The consumer item(s) which You purchased concurrently with and is covered by this Contract; (5)You/Your/Warranty Holder:The individual who purchased the Product and this Contract, or the approved transferee.

Transfer:This Contract may be transferred to a new owner. You may transfer by contacting N.E.W. at their address or telephone number, specified herein. Information provided by You must include the Contract number, date of transfer, new owner's name, complete address and telephone number.

Renewal:The Service Plan Contract is renewable, at Our discretion. The Replacement Plan Contract is not renewable.

Cancellation:You may cancel this Contract at any time by surrendering it or providing written notice to the retailer at the address where You purchased this Contract. You may also cancel this Contract by surrendering it or providing written notice to N.E.W. at the address listed herein. You may cancel this Contract for any reason. In the event You cancel this Contract within thirty (30) days of receipt of this Contract, You shall receive a full refund of any payments made by You under this Contract. In the event You cancel this Contract after thirty (30) days of receipt of this Contract, You shall receive a pro rata refund of any amount paid based upon elapsed time less an administrative fee not to exceed ten percent (10%) of the price of this Contract or twenty-five dollars ($25), whichever is less, and less any claims that have been paid or repairs that have been made. We or N.E.W. may not cancel this Contract except for fraud, material misrepresentation or non-payment by You; or if required to do so by any regulatory authority. If We or N.E.W. cancels this Contract, You shall receive a refund of 100% of the pro-rata unearned portion of the Contract price less any claims which have been paid. We or N.E.W. may not cancel this Contract without providing You with written notice at least thirty (30) days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. In Alabama, Arkansas, Hawaii, Maryland, Minnesota, Missouri, Nevada, New York, South Carolina, Washington and Wyoming: If You cancel Your Contract within thirty (30) days of receipt of Your Contract and do not receive a refund or credit within thirty (30) days of receipt of the returned service contract, a ten percent (10%) penalty per month shall be applied to the refund.

Insurance:This is not a contract of insurance. Obligations of the Obligor under this Contract are insured under a service contract reimbursement insurance policy issued by Virginia Surety Company, Inc. In AL, AR, AZ, CT, GA, IL, KY, MO, MT, NC, NH, NY, OH, OR, TX, UT, WA, WI and WY: If You have filed a claim in writing under this Contract and the Obligor fails to pay or provide service on a claim within 60 days of filing such a claim, or if You are otherwise dissatisfied, please submit Your claim in writing and a copy of this Contract and the sales receipt for the Product to Virginia Surety Company, Inc., 175 West Jackson Blvd, Chicago, IL 60604, Attention: Service Contract Claims, 1-800-209-6206.

Dispute Resolution - Arbitration:To the extent permitted by applicable law, any controversy or claim arising out of or relating to this Contract, or breach thereof, will be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. Under this Arbitration provision, You give up your right to resolve any controversy or claim arising out of or relating to this Contract by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. The laws of the state of Illinois (without giving effect to its conflict of laws principles) govern all matters arising out of or relating to this Contract and all transactions contemplated by this Contract, including, without limitation, the validity, interpretation, construction, performance and enforcement of this Contract. A judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The parties specifically agree to the binding nature of the arbitration.

State Variations:

The following state variations shall control if inconsistent with any other terms and conditions:

ARIZONA ONLY:The following statement is added to the "Cancellation" section of this Contract: No claim incurred or paid will be deducted from the amount to be returned in the event of cancellation. In the "WHAT IS NOT COVERED" section of this Contract, exclusion (2) does not apply in the state of Arizona. The following statement is added to the "Dispute Resolution - Arbitration" section of this contrast: Arbitration does not preclude the Arizona consumer's right to file a complaint with the Arizona Department of Insurance, Consumer Affairs Division 800-325-2548.

ARKANSAS ONLY:The following statement is added to the "Insurance" section of this contract: A claim submitted to the Virginia Surety Company, Inc. may include a claim for return of the unearned premium in the event of a cancellation. The following statement is added to this Contract: This Contract does not exclude pre-existing conditions.

CALIFORNIA ONLY:The following statement is added to the "Dispute Resolution - Arbitration" section of this Contract: This Dispute Resolution - Arbitration provision does not prohibit a California resident from following the process to resolve complaints as outlined by the California Bureau of Electronic and Appliance Repair (BEAR). To learn more about this process, You may contact BEAR at 1-800-952-5210, or You may write to Department of Consumer Affairs, 3485 Orange Grove Avenue, North Highlands, California, 95660, or You may visit their website at www.bear.ca.gov. The following statement amends the "Cancellation" section of this Contract: In the event You cancel this Contract within sixty (60) days of receipt of this Contract, You shall receive a full refund of any payments made by You under this Contract. In the event You cancel this Contract after sixty (60) days of receipt of this Contract, You shall receive a pro-rata refund of any amount paid based upon elapsed time less an administrative fee not to exceed ten percent (10%) of the price of this Contract or twenty-five dollars ($25.00), whichever is less, and less any claims that have been paid or repairs that have been made. The following statement is added to the "Instructions" section of this Contract: Your sales receipt is part of this contract.

CONNECTICUT ONLY:The following statement is added to this Contract: If You purchased this Contract in Connecticut; You may pursue Dispute Resolution - Arbitration to settle disputes between You and the provider of this Contract. You may mail Your complaint to: State of Connecticut, Insurance Department, P.O. Box 816, Hartford, Connecticut 06142-0816, Attention: Consumer Affairs. The written complaint must describe the dispute, identify the price of the Product and cost of repair, and include a copy of this Contract. The following statement is added to the "Term of Coverage" section of this Contract: The term of this Contract will be automatically extended for the period during which the Product is in the custody of a service center for repair. The following statement is added to the "Cancellation" section of this Contract: You may cancel this Contract if You return the Product or the Product is sold, lost, stolen, or destroyed.

FLORIDA ONLY:The following statement is added to the "Cancellation" section of this Contract: In the event this Contract is cancelled by the Warranty Holder, return of the premium shall be based upon ninety percent (90%) of the unearned pro-rata premium less any claims that have been paid or less the cost of repairs made on behalf of the Warranty Holder. In the event this Contract is cancelled by N.E.W., return of premium shall be based upon one-hundred percent (100%) of the unearned pro-rata premium. The "Dispute Resolution - Arbitration" section of this Contract is removed. The following statement is added to the "What is Covered" section of this Contract: You will be reimbursed the original price of Your Product in the form of a check.

GEORGIA ONLY:The following statement is added to the "Cancellation" section of this Contract: If You cancel after thirty (30) days of receipt of Your Contract, You will receive a pro rata refund of the Contract price Cancellation will comply with Section 33-24-44 of the Code of Georgia. Claims paid and administrative fees shall not be deducted from any refund owed as a result of cancellation. We or N.E.W. may not cancel this contract except for fraud, material misrepresentation, or non-payment by You. Any refund owed and not paid as required is subject to a penalty equal to twenty-five percent (25%) of the refund owed and interest of eighteen percent (18%) per year until paid; however, such penalty shall not exceed fifty percent (50%) of the amount of the refund. In the "What is Not Covered" section of this Contract, exclusion (2) is removed and replaced with: Any and all pre-existing conditions known by You that occur prior to the effective date of this Contract. The "Dispute Resolution - Arbitration" section of this Contract is removed.

MICHIGAN ONLY:The following statement is added to this Contract: If performance under this Contract is interrupted because of a strike or work stoppage at Our place of business, the effective period of the Contract shall be extended for the period of the strike or work stoppage.

MISSOURI ONLY:The following statement is added to the "Insurance" section of this Contrast: A claim submitted to Virginia Surety Company, Inc. may include a claim for the return of the unearned premium in the event of a cancellation.

NEVADA ONLY:The following statement is added to the "Cancellation" section of this Contract: No claim incurred or paid will be deducted from the amount to be returned in the event of cancellation.

NEW HAMPSHIRE ONLY:The following statement is added to this Contract: In the event You do not receive satisfaction under this Contract, You may contact the New Hampshire Insurance Department, 21 South Fruit Street, Concord, NH 03301, (603) 271-2261.

NEW MEXICO ONLY:The following statement is added to the "Cancellation" section of this Contract: If this Contract has been in force for a period of seventy (70) days, We may not cancel before the expiration of the Contract term or one (1) year, whichever occurs first, unless: 1) You fail to pay any amount due; 2) You are convicted of a crime which results in an increase in the service required under the Contract; 3) You engage in fraud or material misrepresentation in obtaining this Contract; or 4) You commit any act, omission, or violation of any terms of this Contract after the effective date of this Contract which substantially and materially increase the service required under this Contract. If You cancel Your Contract within thirty (30) days of receipt of Your contract and do not receive a refund or credit within sixty (60) days of receipt of the returned service contract, a ten percent (10%) penalty per month shall be applied to the refund.

NORTH CAROLINA ONLY:The following statement is added to this Contract: You understand that the purchase of this Contract is not required to purchase or to obtain financing for the Product. The following statement is added to the "Cancellation" section of this Contract: We or N.E.W. may not cancel this Contract except for nonpayment by You or for violation of any of the terms and conditions of this Contract.

OKLAHOMA ONLY:The "Cancellation" section is deleted and replaced by the following: You may cancel this contract at any time by surrendering it or providing written notice to the retailer at the address where You purchased this Contract. You many also cancel this Contract by surrendering it or providing written notice to N.E.W. at the address listed below. You may cancel this Contract for any reason. In the event You cancel this Contract within 30 days of receipt of the Contract, You shall receive a full refund of any payments made by You under this Contract. In the event You cancel this Contract after 30 days of receipt of this Contract, You shall receive a refund based upon 90% of the unearned pro-rata premium less an administrative fee not to exceed 10% of the unearned pro-rata premium or $25, whichever is less, less the cost of claims paid. We or N.E.W. may not cancel this Contract except for fraud, material misrepresentation or non-payment by You; or if required to do so by any regulatory authorization. If we or N.E.W. cancel this Contract, You shall receive a refund of 100% of the unearned pro-rata premium. We or N.E.W. may not cancel this Contract without providing You with written notice at least thirty days prior to the effective date of cancellation. Such notice shall include the effective date of cancellation and the reason for cancellation. The following sentence is added to this contract: Coverage afforded under this contract is not guaranteed by the Oklahoma Insurance Guaranty Association.

OREGON ONLY:The "Dispute Resolution - Arbitration" section of this Contract is removed.

SOUTH CAROLINA ONLY:The following statement is added to this Contract: If You purchased this Contract in South Carolina, complaints or questions about this Contract may be directed to the South Carolina Department of Insurance, P.O. Box 100105, Columbia, South Carolina 29202-3105, telephone number 803-737-6180.

TEXAS ONLY:The following statement is added to this Contract: If You purchased this Contract in Texas, unresolved complaints or questions concerning the regulation of service contracts may be addressed to the Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, Texas 78711, telephone number (512) 463-2906 or (800) 803-9202. The following statement is added to the "Cancellation" section of this Contract: If You cancel Your Contract within thirty (30) days of receipt of Your Contract, Your Contract will be voided. If Your Agreement is voided and You do not receive a refund or credit within thirty (30) days of receipt of the returned service contract, You may request a refund from Virginia Surety Company, Inc., 175 West Jackson Blvd, Chicago, IL 60604, and a ten percent (10%) penalty per month shall be applied to the refund.

UTAH ONLY:The following statement is added to this Contract: Coverage afforded under this Contract is not guaranteed by the Utah Property and Casualty Guaranty Association. Proof of loss should be furnished by You to the Administrator as soon as reasonably possible. Failure to furnish such notice or proof within the time required by this Contract does not invalidate or reduce a claim. The following statement is added to the "Cancellation" section of this Contract: We can cancel this Contract during the first sixty (60) days of the initial annual term by mailing to You a notice of cancellation at least thirty (30) days prior to the effective date of cancellation except that We can also cancel this Contract during such time period for nonpayment of premium by mailing You a notice of cancellation at least ten (10) days prior to the effective date of cancellation. After sixty (60) days have elapsed, We may cancel this Contract by mailing a cancellation notice to You at least ten (10) days prior to the cancellation date for nonpayment of premium and thirty (30) days prior to the cancellation date for any of the following reasons (a) material misrepresentation, (b) substantial change in the risk assumed, unless We should reasonably have foreseen the change or contemplated the risk when entering into the Contract, (c) substantial breaches of contractual duties, conditions, or warranties. The notice of cancellation must be in writing to You at Your last known address and contain all of the following: (1) the Contract number, (2) the date of notice, (3) the effective date of the cancellation and, (4) a detailed explanation of the reason for cancellation. The "Dispute Resolution - Arbitration" section of this Contract is removed and replaced with: Any matter in dispute between You and Us may be subject to arbitration as an alternative to court action pursuant to the rules of the American Arbitration Association, a copy of which is available on request from the Company. Any decision reached by arbitration shall be binding upon both You and Us. The arbitration award may include attorney's fees if allowed by state law and may be entered as a judgement in any court of proper jurisdiction. This service contract or warranty is subject to limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department.

WASHINGTON ONLY:The following statement amends the "Insurance" section of this Contract: If You have filed a claim in writing under this Contract and the Obligor fails to pay or provide service on a claim, or if You are otherwise dissatisfied, please submit Your claim in writing and a copy of the Contract and sales receipt for the Product to Virginia Surety Company, Inc., 175 West Jackson Blvd, Chicago, IL 60604, Attention: Service Contract Claims, 1-800-209-6206.

WISCONSIN ONLY:The following statement is added to this Contract:This Contract is subject to limited regulation by the Office of the Commissioner of Insurance of the State of Wisconsin.You should furnish proof of loss to the Administrator as soon as reasonably possible and within one (1) year after the time required by this Contract. Failure to furnish such notice or proof within the time required by this Contract does not invalidate or reduce a claim. The following statement is added to the "Cancellation" section of this Contract: Claims paid or the cost of repairs performed shall not be deducted from the amount to be refunded upon cancellation of this Contract. In the "What is Not Covered" section of this Contract, exclusion (17) is removed. The following statements are removed from the "Dispute Resolution - Arbitration" section of this Contract: You give up your right to resolve any controversy or claim arising out of or relating to this Contract by a judge and/or a jury. You also agree not to participate as a class representative or class member in any class action litigation, any class arbitration or any consolidation of individual arbitrations. The following statements are added to the "Dispute Resolution - Arbitration" section of this Contract: No mandatory arbitration is allowed. Both parties must agree to participate.

WYOMING ONLY:The following statement is added to the "Dispute Resolution - Arbitration" section of this Contract: In the state of Wyoming, Dispute Resolution - Arbitration can only be final and binding if agreed to by the parties involved, in a separate written agreement.

To obtain a large-type copy of the terms and conditions of this Contract, please call 1-866-212-1975.

Administered by:
N.E.W.
P.O. Box 1340 · Sterling, VA 20167-8434 · (866) 212-1975
©2009 N.E.W. Customer Service Companies, Inc. All rights reserved.
TYS-BR-09.09 (Rev. 04/10)