Vehicle Service Agreement Terms

AGREEMENT TERMS AND CONDITIONS

DEFINITIONS

ADMINISTRATOR: LOTSOLUTIONS, INC., [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, Florida 32256] [(888) 249-4158)] except in the state of Florida. In the state of Florida, Lyndon Southern Insurance Company, [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, Florida 32256], (Florida License No. 03698) is providing administration.

AGREEMENT HOLDER, YOU, YOUR: The purchaser of this Agreement or the person to whom this Agreement was properly transferred.

AGREEMENT: This Vehicle Service Agreement which You have purchased from Seller to protect Your Vehicle.

BREAKDOWN/MECHANICAL BREAKDOWN: The failure of a Covered Part under normal service due to defects in material or workmanship. A Covered Part has failed when it can no longer perform the function for which it was designed solely because of its condition and not because of the action or inaction of any non-covered parts.

COMMERCIAL USE VEHICLE: A Commercial Use Vehicle is defined as a vehicle registered to a business and/or for business purposes. Vehicles that are used in excess of manufacturer's G.V.W. Vehicles used for construction purposes, delivery purposes, commercial towing, commercial farm operation, tow trucks, any type of emergency vehicles, volunteer public service(s), motor pool vehicles, rental, taxi cabs, livery or for excessive hauling and pulling are excluded from coverage hereunder. (This does not include Rideshare e.g. Uber or Lyft.)

COVERED PART: The eligible parts listed in the Schedule of Coverages section of this Agreement. The listed parts must be factory installed equipment on Your Vehicle or replacement parts meeting the manufacturer's specifications.

DEDUCTIBLE: The amount indicated on the Schedule Page that You must pay for the repair of a Breakdown. A Deductible does not apply to roadside assistance, substitute transportation, or trip interruption coverage. $100 DEDUCTIBLE WILL APPLY IF NO DEDUCTIBLE IS NOTED.

DISAPPEARING DEDUCTIBLE: If this option is selected on the Schedule Page, Your Deductible is waived in its entirety if You return to the original Seller listed on Your Agreement for repair of a Breakdown.

ELECTRIC VEHICLE (EV): A Vehicle which uses one or more electric motors for propulsion. Also referred to as an Electric Drive Vehicle.

EV BATTERY: The EV Battery pack or individual EV Battery cell(s) installed in Your Vehicle. The EV Battery that is installed may vary based on the make and model of a vehicle. An EV Battery is ONLY eligible for coverage under this Agreement if You elect the Optional EV Battery Surcharge and it meets the requirements herein.

EV BATTERY BREAKDOWN: The permanent reduction in the amount of energy that an EV Battery can store, which directly impacts its ability to hold an adequate charge. According to the terms and conditions of this Agreement, EV Battery Breakdown has occurred once Your Vehicle's EV Battery fails to hold 70% of its original storage capacity. If Your Vehicle states a lower manufacturer's capacity allowance, the allowable degradation will be the lesser of the two capacity limits. An EV Battery is ONLY eligible for coverage under this Agreement, if You elect the Optional EV Battery Surcharge Hybrid(s), Hybrid Vehicle(s), Hybrid Electric Vehicle(s) ("HEV"): A Vehicle that is equipped with and is propelled alternately by both an internal combustion engine and an electric motor.

INTERNAL LUBRICATED PARTS/COMPONENTS: Parts contained within a case, block, or housing that require proper qualities and quantities of oil or lubrication to function as designed.

MILEAGE LIMIT: The maximum number of miles indicated on the Schedule Page that this Agreement shall be in force.

OBLIGOR, WE, US, AND OUR: Auto Knight Motor Club, Inc., [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256 (888) 249-4158)] who is the Obligor to this Agreement except in the state of Florida and Oklahoma. In the state of Florida and Oklahoma, the Obligor is Lyndon Southern Insurance Company, [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256, Tel: (800) 888-2738], (Florida License No. 03698, Oklahoma License No. 44194686).

OVERSIZED TIRES: Approved tires are those tires that do not exceed thirty-five inches (35") in diameter.

PAYMENT PLAN: The Payment Plan Agreement attached to this Vehicle Service Agreement that outlines the terms in which you have agreed to pay on a monthly basis.

PRE-EXISTING: A condition and/or failure that within all reasonable mechanical probability and mechanical fitness existed prior to the Agreement Purchase Date.

QUALIFIED LIFT OR DROP: Vehicles with lift kits not greater than six inches (6") or drops not lower than two inches (2").

RIDESHARE: A car service in which a person arranges a ride in a privately-owned vehicle (e.g. Uber, Lyft, or vehicles with a TLC license in New York City and New York, excluding Taxi or Yellow Cab).

REPAIR FACILITY: A Repair Facility licensed to perform mechanical repairs.

SCHEDULE PAGE: Page 1 of this Agreement where information regarding You, Your Vehicle, and coverage options is shown.

SELLER: The entity from whom You purchased this Agreement.

TERM: The maximum number of months indicated on the Schedule Page that this Agreement shall be in force.

VEHICLE: The Vehicle covered by the terms and conditions of this Agreement as listed on the Schedule Page.

WAITING PERIOD: This Agreement is subject to a thirty (30) day and one thousand (1,000) mile or ninety (90) days and 250 miles waiting period beginning on the Agreement Purchase Date. There is no coverage during the Waiting Period. Coverage begins upon the expiration of the Waiting Period. The Waiting Period expires when the time and mileage has elapsed.

SCHEDULE OF COVERAGES

BREAKDOWN

BREAKDOWN COVERAGE BEGINS ON THE AGREEMENT PURCHASE DATE LISTED ON THE SCHEDULE PAGE. BREAKDOWN COVERAGE ENDS AT 12:00 MIDNIGHT ON THE DAY THE TERM LISTED ON THE SCHEDULE PAGE EXPIRES OR WHEN THE VEHICLE'S ODOMETER MILEAGE EXCEEDS THE MILEAGE LIMIT LISTED ON THE SCHEDULE PAGE, WHICHEVER OCCURS SOONER. At the sole discretion of the Administrator, We will repair, replace, or have repaired or replaced any Covered Part which experiences a Breakdown. In case of Breakdown You must follow the procedures in SUBSECTION, "FILING A CLAIM." At the sole discretion of the Administrator, We will reimburse You or Your Repair Facility for preauthorized expenses incurred, less the Deductible (if applicable) for the repair or replacement of a Covered Part. At the sole discretion of the Administrator, We will pay up to the manufacturer's suggested retail price for a part. Replacement may be made with new, remanufactured or used parts, which are of a like kind and quality comparable with the original design specifications and wear tolerances of Your Vehicle. We will pay the Repair Facility's published hourly labor rate multiplied by the appropriate operation time as published in a national labor rate time guide. At the sole discretion of the Administrator, We reserve the right to request Your Vehicle be moved to another Repair Facility.

[ESSENTIAL COVERAGE]

[GASOLINE ENGINE — Pistons, piston rings, piston pins, crankshaft, main bearings, connecting rods, connecting rod bearings, camshaft, camshaft bearings, timing chain, timing chain gears, rocker arms, intake valves, exhaust valves, valve guides, oil pump, silent shaft. intake manifold; throttle valve cable. Cases, housings, engine block, oil pan and cylinder heads are covered only if damaged by the failure of an Internal Lubricated Part Covered Part

TRANSMISSION — All Internal Lubricated Parts within the transmission including torque converter, accumulators, adjusters, boost valve, center support chain, clips, control rings, counter shaft, detent valve, governor, governor gear, output shaft, parking gear, planetary gears carrier, pressure regulator valve, ring gears, roll pins, separator plate, servo rings, servo sleeves, shift forks, shift shafts, shift valves, shifter shaft, snap rings, sprags, springs, sprockets, stator shaft, sun gear shell, synchronizer hub, synchronizer key(s), synchronizer ring, synchronizer sleeves, synchronizer springs, synchronizer(s), front pump gears; front pump guide rings; front pump vanes; range. Transmission cases, housings, and transmission oil pan are covered only if damaged by the failure of an Internal Lubricated Covered Part. Electrical components no matter location are Not Covered. Friction parts such has clutches of any kind, coolers, metal or rubber lines or hoses are NOT COVERED.

TRANSFER CASE — All Internal Lubricated Parts within the transfer case including main shaft, output shafts, bearings, drive sprocket, synchronizers, planet carriers, shift forks, chain. Transfer case is covered only if damaged by the failure of an Internal Lubricated Covered Part.

FRONT WHEEL DRIVE/REAR WHEEL DRIVE SYSTEM — All Internal Lubricated Parts within the drive axle/transaxle assembly including differentials, ring gear, pinion gear, pinion bearings, axle bearings, axle races, axle flange, carrier bearing, center bearings, differential carrier, drive axle bearings, pins, retainers, shims, side gears, slip joint, spider gears. Pinion flange; U joints; axle shafts; CV joints; drive axle; half shafts; lock ring; lock nuts. Drive axle housing is covered only if damaged by the failure of an Internal Lubricated Covered Part.

• Seals and gaskets are only covered if needed in conjunction with a covered repair.]

[ESSENTIAL PLUS COVERAGE]

[Parts covered include but are not limited to all components listed in Essential Coverage in addition to the following:. AIR

CONDITIONING AND HEATING — HVAC blower motor; air conditioning compressor; air conditioning compressor clutch; air conditioning compressor pulley; air conditioning condenser, air conditioning orifice tube; air conditioning expansion valve; accumulator; heater control valve; high/low cut-off switches; cycling switch. Refrigerant only if needed in conjunction with the repair of a Covered Part.

COOLING SYSTEM — Water pump, Water pump housing, radiator, cooling fan clutch; cooling fan electric motors; fan blade assembly.

GASOLINE FUEL SYSTEM — Fuel tank; fuel sending unit; fuel pump, fuel pressure regulator; metal fuel lines, idle air control solenoid, warm up regulator. (High pressure gas fuel pump Not Listed for Coverage)

ELECTRICAL — Alternator, voltage regulator; distributor (excludes cap, rotor and spark plug wires); distributor shaft; distributor bushings; distributor gear; distributor housing, ignition coil; starter motor; starter solenoid; starter drive, brake light switch; power mirror switch; sunroof switch; back up light switch, trunk lid release switch; windshield wiper motor; rear wiper motor; headlight wiper motor; power window motor; power door lock switch(s).

SUSPENSION — Upper and lower control arms; control arm shafts and bushings; radius arm and bushings; trailing arm; track bar; stabilizer shaft, links, and bushings; upper and lower ball joints; torsion bars; torsion bar mounts; torsion bar bushings, steering knuckles; strut bar; spindles; electronic height level air compressor; compressor relay; mode switch; wheel bearing(s).

BRAKES — Brake master cylinder; brake power assist boosters; brake power assist valves; disc brake calipers; bleeders; brake adjusters; backing plates; brake pedal apply pin; wheel cylinders; combination valve; proportioning valve; metering valve; brake hydraulic lines and fittings; vacuum and fluid reservoirs; hydro boost unit; parking brake cable; pressure differential switch; brake fluid level sensor; residual pressure check valve; return spring; self-adjuster mechanism; springs clips and retainers; parking brake lever; parking brake ratchet assembly.

ABS SYSTEM — ABS booster; ABS pump/motor; ABS control processor; ABS dump valve; ABS sensors; ABS solenoids; ABS electronic control compressor; ABS hydraulic control unit; ABS modulator valve; ABS compensating valve; ABS accumulator.

STEERING — Steering gear; rack and pinion; rack and pinion mounts and bushings; power steering pump, power steering cooler; steering main and intermediate shafts; steering column; steering column bearings; steering column couplers; electronic power steering motor; steering box; pitman arm; idler arm; tie rods; drag link; tilt wheel mechanism; rack bellows; center link; control valve; relay rod.

• Seals and gaskets are only covered if needed in conjunction with a covered repair.]

[PREMIUM COVERAGE]

[Parts covered include but are not limited to all components listed in Essential Plus Coverage in addition to the following:

GASOLINE ENGINE — All Internal Lubricated Parts within the engine including pistons, piston rings, piston pins, crankshaft, main bearings, thrust washer, connecting rods, connecting rod bearings, camshaft, camshaft sprocket, camshaft bearings, timing belt/chain, timing chain gears, timing chain guides, timing belt/chain tensioner, push rods, rocker arms, rocker arm shafts, balance shaft, hydraulic lifters, solid lifters, intake valves, exhaust valves, valve guides, valve springs, valve spring retainer, valve keepers, valve stem seals, oil pump, silent shaft. intake manifold; exhaust manifold, throttle valve cable; engine mounts. Cases, housings, engine block, oil pan and cylinder heads are covered only if damaged by the failure of an Internal Lubricated Covered Part.

TRANSMISSION — All Internal Lubricated Parts within the transmission including torque converter, valve body, valve body shift solenoids, accumulator rings, accumulators, adjusters, bands, bearings, boost valve, center support chain, counter shaft, detent valve, gears, governor, governor gear, output shaft, parking gear, planetary gears carrier, planetary gears, pressure regulator valve, pressure switches, ring gears, roll pins, separator plate, servo rings, servo sleeves, shift forks, shift shafts, shift valves, shifter shaft, snap rings, sprags, springs, sprockets, stator shaft, sun gear shell, sun gears, synchronizer hub, synchronizer key(s), synchronizer ring, synchronizer sleeves, synchronizer springs, synchronizer(s), transfer shaft. Transmission mounts; detent cable; detent cam; detent cam spring; front pump; front pump gears; front pump guide rings; front pump vanes; range selector cable; retainers; side cover; vacuum modulator; external switches and solenoids; electronic controller; backup light switch; speed sensor; speedometer cable; neutral safety switch; auxiliary valve body; modulator valve; parking pawl. Transmission cases, housings, and transmission oil pan are covered only if damaged by the failure of an Internal Lubricated Covered Part.

GASOLINE FUEL SYSTEM — Fuel tank; fuel sending unit; fuel pump; fuel injectors; fuel injection rails; fuel pressure regulator; metal fuel lines; throttle body; idle air control solenoid; idle air control motor; warm up regulator.

ELECTRICAL — Alternator, voltage regulator; distributor (excludes cap, rotor and spark plug wires); distributor shaft; distributor bushings; distributor gear; distributor housing; oil pressure sending unit; engine management sensors, ignition coil, engine control module, powertrain control module; transmission control module, starter motor; starter solenoid; starter drive; convertible top switch, power door lock actuators, power seat motor, brake light switch; defogger switch; headlight switch; power mirror switch; sunroof switch; back up light switch; turn signal switch; washer pump switch; window switches; wiper switch; trunk lid release switch; trunk lid release actuator and motor; washer pump motor; windshield wiper motor; rear wiper motor; headlight wiper motor; power window motor; power window gear; power window regulator.

COOLING SYSTEM — Water pump and water pump housing, drive belt tensioner(s), radiator, cooling fan clutch; cooling fan electric motors; fan blade assembly; coolant reservoir sensor.

AIR CONDITIONING AND HEATING — Heater core, HVAC blower motor; air conditioning compressor; air conditioning compressor clutch; air conditioning compressor pulley; air conditioning condenser; air conditioning evaporator; air conditioning receiver dryer; air conditioning orifice tube; air conditioning expansion valve; air conditioning and heating dash control unit/temperature control programmer; accumulator; heater control valve; high/low cut-off switches; cycling switch; idler pulley; idler pulley bearing; serpentine belt tensioner; electronic temperature control sensors. Refrigerant only if needed in conjunction with the repair of a Covered Part. :

AUDIO — (Factory installed only) AM radios, AM/FM radios, satellite radios, antenna motor, cassette players, CD players, and CD changers (excluding speakers and graphic equalizers).]

[EXCLUSIVE COVERAGE]

[If Exclusive is indicated on the Schedule Page, this Agreement will provide coverage for any Breakdown of Your Vehicle's components, less the selected Deductible (if applicable), except for those items listed under "WHAT IS NOT COVERED" in this Agreement.]

MANDATORY SURCHARGES

If Your Vehicle's Vehicle Identification Number (VIN) identified any of the below listed Vehicle Type/Mandatory Coverages on the Schedule Page and You paid the applicable surcharge:

A. TURBOCHARGER/SUPERCHARGER

We will provide coverage for Vehicles with (factory installed only) Turbocharger/Supercharger housing and all Internal Lubricated Parts.

B. ALL WHEEL DRIVE/4X4

All internal lubricated parts within the drive axle/transaxle assembly including differentials, ring gear, pinion gear, pinion bearings, axle bearings, axle races, axle flange, carrier bearing, center bearings, differential carrier, drive axle bearings, pins, retainers, shims, side gears, slip joint, spider gears. Pinion flange; U joints; axle shafts; CV joints; drive axle; drive shaft; flex disc; half shafts; wheel bearings; yokes; lock ring; lock rings; Automatic locking hubs; manual locking hubs; hub bearings; four-wheel drive actuator motor; front axles; front drive shaft; four-wheel drive engagement switch. Drive axle housing is only covered if damaged by the failure of an Internal Lubricated Part.

C. DIESEL

1.ENGINE — All Internal Lubricated Parts within the engine including pistons, piston rings, piston pins, crankshaft, main bearings, thrust washer, connecting rods, connecting rod bearings, camshaft, camshaft sprocket, camshaft bearings, timing chain, timing chain gears, timing chain guides, timing chain tensioner, push rods, rocker arms, rocker arm shafts, balance shaft, hydraulic lifters, solid lifters, intake valves, exhaust valves, valve guides, valve springs, valve spring retainer, valve keepers, valve stem seals, oil pump, silent shaft. Harmonic balancer; intake manifold; exhaust manifold; vacuum pump; freeze plugs; EGR cooler; throttle valve cable; engine mounts; glow plugs. Engine block, oil pan and cylinder heads are covered only if damaged by the failure of an Internal Lubricated Part.

2.FUEL SYSTEM — (available only on Essential Plus, Premium and Exclusive Coverage.) Fuel tank; fuel sending unit; fuel pump; high pressure fuel pump; lift pump; accessory vacuum pump and injector pump; fuel injectors; fuel distributor; fuel pressure regulator; fuel/water separator; metal fuel lines; throttle body; idle air control solenoid; idle air control motor; warm up regulator.

D. SALVAGE OR BRANDED TITLE

We will provide coverage for Vehicles which have ever had a title indication of salvage, junk, branded or other designation indicating that the vehicle had been stolen, wrecked, destroyed, water damaged, or otherwise damaged to the extent that it was considered to be uneconomical to repair.

OPTIONAL SURCHARGES

If You selected any of the below listed Vehicle Type/Optional Coverages on the Schedule Page and paid the applicable surcharge:

A. QUALIFIED LIFT OR DROP/OVERSIZED TIRES

We will provide coverage if Your Vehicle is street legal in the state where You reside, covered component Breakdowns in Vehicles lifted between [two inches (2") and six inches (6"), and vehicles lowered up to two inches (2"), and/or any tire size not specified by the manufacturer and does not exceed 35" will be covered, subject to the terms and conditions herein. NOTE: All parts used to lift or lower the Vehicle are not covered in any instance.

B. SNOWPLOW

We will provide coverage if Your Vehicle is street legal in the state where You reside, covered component Breakdowns in Vehicles outfitted with a snowplow will be covered, subject to the terms and conditions herein. NOTE: All parts used with the snowplow are not covered in any instance.

C. COMMERCIAL USE

We will provide coverage for those Vehicles defined as Commercial Use Vehicles. If the Vehicle is registered in the name of a business, the optional Commercial Use surcharge must be paid, regardless of whether or not the Vehicle is being used for commercial purposes.

D. HYBRID VEHICLES/EV BATTERY

Your Vehicle is a hybrid or plug-in electric hybrid, the propulsion battery is covered subject to the following:

1.Limitations to Coverage: Your Vehicle's propulsion battery pack has suffered a Breakdown only when it retains less than seventy percent (70%) of its original charge-holding capacity.

2.Diagnostic Requirement: In order to determine if there is a Breakdown of the propulsion battery pack, the Administrator may require Your Vehicle to undergo an extended charge capacity test. The extended charge capacity test is prescribed by the manufacturer of Your Vehicle. If the failure to the propulsion battery does not qualify as a Breakdown under the terms of this Agreement, You must pay for all diagnostic, teardown and repair charges.

3.Repair or Replacement of Propulsion Battery Parts: The propulsion battery pack may be repaired, replaced with rebuilt units, replaced with aftermarket units, or replaced with new units, at the sole discretion of the Administrator.

4.Deductible: Regardless of the Deductible for standard coverage under this Agreement, You will be required to pay a one thousand dollar ($1,000.00) Deductible for Hybrid/EV Battery repair or replacement.

5.HYBRID SYSTEM — (available only on Premium and Exclusive Coverage.) IMA control unit for battery; IMA control unit for electric motor; junction board assembly; IMA motor stator assembly; IMA motor rotor assembly; PDU unit (pre-driver); PDU converter.

E. RIDE SHARE

We will provide coverage for those Vehicles in which a person arranges a ride in a privately-owned vehicle (e.g. Uber, Lyft, or vehicles with a TLC license in New York City and New York, excluding Taxi or Yellow Cab).

F. LUXURY ELECTRONICS (available only on Premium and Exclusive Coverage.)

We will provide coverage for (Factory installed only) DVD players, VHS players, and navigation equipment.

ADDITIONAL BENEFITS UNDER THIS AGREEMENT

A. SUBSTITUTE TRANSPORTATION (RENTAL)

If Your Vehicle becomes inoperative due to a Breakdown, that is covered by this Agreement, We will pay for car rental reimbursement up to fifty dollars ($50.00) per day that the Vehicle is in the shop for repairs, not to exceed three hundred and fifty dollars ($350.00). Car Rental is not provided for delays because of Repair Facility scheduling or for repairs not covered by this Agreement. Car Rental will be reimbursed only upon receipt of an invoice from a licensed car rental agency.

B. TRIP INTERRUPTION

In the event that the Breakdown of a Covered Part by this Agreement occurs more than one hundred (100) miles from Your home and results in a Repair Facility keeping Your Vehicle overnight, We will reimburse You up to seventy-five dollars ($75.00) per day for a maximum of three (3) days for receipted lodging and restaurant expenses incurred between the date of the Breakdown and the date on which the repairs are completed. The total benefit per Breakdown occurrence shall not exceed two hundred and twenty-five dollars ($225.00).

C. DIAGNOSTIC

We will pay for reasonable, necessary, and customary diagnostic charges incurred in conjunction with a Breakdown, not to exceed the labor time listed in nationally recognized parts and labor guides. Administrator reserves the right to approve or deny diagnostic charges at the sole discretion of the Administrator. DIAGNOSTIC TIME WILL NOT BE PAID FOR THOSE CONDITIONS WHERE THE REPAIR IS READILY APPARENT TO THE NORMAL SENSES OF SIGHT, TOUCH, SMELL, AND/OR SOUND.

ROADSIDE ASSISTANCE

Roadside Assistance is available twenty-four (24) hours a day/three hundred sixty-five (365) days a year anywhere in the United States (including Alaska and Hawaii) and Canada. For Roadside Assistance, You must call 1-888-249-4157. All of the Roadside Assistance benefits are provided by Auto Knight Motor Club, Inc., Administrative Office located at: [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256, (888) 249-4158].

• Towing Assistance — When towing is necessary, the Vehicle will be towed to the nearest qualified Repair Facility or to another location requested by the driver of the Vehicle.

• Flat Tire Assistance — Service consists of the removal of the Vehicle's flat tire and its replacement with the spare tire located with the Vehicle, or the servicer will drive You to the closest tire store for repair.

• Fuel, Oil, Fluid and Water Delivery Service — An emergency supply of fuel (3 gallons), oil, fluid, and water will be delivered if the Vehicle is in immediate need. You must pay for the fuel or other fluid when it is delivered.

• Lock-Out Assistance — If Your keys are locked inside the Vehicle, assistance will be provided to gain entry into the Vehicle.

• Battery Assistance — If battery failure occurs, a jump start will be provided to start Your Vehicle. Your coverage begins on the Vehicle Purchase Date shown on the Schedule Page and terminates on the expiration of the Coverage Term of Your Agreement shown on the Schedule Page. You will only have to pay for any non-covered expenses or costs in excess of Your one hundred dollars ($100.00) per occurrence maximum. In the event Your Vehicle is disabled, a service vehicle will be dispatched to Your location to assist. Important: Please be with Your Vehicle when the service provider arrives, unless it is unsafe to remain with the Vehicle, as the service provider cannot service an unattended Vehicle. In the event that service is not obtainable through Auto Knight Motor Club, Inc., You will receive an authorization number to receive a refund of payments made according to Your plan benefit and coverage limits for services received independently. You must first contact Auto Knight Motor Club, Inc., for authorization to obtain independent services. The following items are not included as part of the Roadside Assistance benefit:

• Coverage shall not be provided in the event of emergencies resulting from the use of intoxicants or narcotics, or the use of the Vehicle in the commission of a felony;

• Cost of parts, replacement keys, fluids, lubricants, fuel, material, additional labor relating to towing, or the cost of installation of products;

• Non-emergency towing or other non-emergency service;

• Non-emergency mounting or removing of snow tires or chains;

• Shoveling snow from around a Vehicle, tire repair, extrication or winching, motorcycles, trucks over one-and- a-half-ton capacity

• Antique vehicles (meaning vehicles over twenty (20) years old or out of manufacture for ten (10) years or more), taxicabs, limousines, or other commercial vehicles. recreational vehicles (RVs), camping trailers, travel trailers, or any vehicles in tow;

• Any and all taxes or fines; damage or disablement due to collision, fire, flood or vandalism;

• Towing from or repair work performed at a service station, garage or repair shop; towing by a non-licensed service provider or garage; vehicle storage charges; a second tow for the same disablement; Service on a Vehicle that is not in a safe condition to be towed or serviced or that may result in damage to the Vehicle if towed or serviced. Towing or service on roads not regularly maintained, such as sand beaches, open fields, forests, and areas designated as not passable due to construction, etc; towing at the direction of a law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations of law;

• Repeated service calls for a Vehicle in need of routine maintenance or repair;

• Services received independently from Auto Knight Motor Club, Inc., without prior authorization from Auto Knight Motor Club, Inc. Only one (1) disablement for the same service type during any seven (7) day period will be accepted. THIS IS NOT A ROADSIDE ASSISTANCE REIMBURSEMENT SERVICE.

FILING A CLAIM

1. Take immediate action to prevent further damage. This Agreement will not cover damage caused by not securing a timely repair of the failed component.

2. If it is dangerous to operate Your Vehicle, or if operating Your Vehicle may cause further damage, You must have the Vehicle towed (refer to Roadside Assistance section).

3. Take Your Vehicle to any Repair Facility, or call [800-552-2709] for assistance.

4. The Repair Facility must call the Administrator for approval prior to repairing or cleaning any parts.

5. The Repair Facility must provide an estimate of parts and labor costs in order to obtain approval. No claim payments will be made if the Administrator has not issued a claim approval reference number prior to repairing, replacing, or cleaning any parts.

6. You must authorize any charge(s) necessary to determine cause of failure. This includes necessary diagnostic and tear down charges. If it is determined that the failure does not constitute a Breakdown under the terms of this Agreement, You must pay for all diagnostic, tear down, and repair charges.

7. You must cooperate in Our investigation of any Breakdown. You must allow Us to inspect Your Vehicle if We ask to do so. We have no obligation to inspect Your Vehicle or to certify its condition before or after covered repairs are completed.

8. You must, upon request, show Us and/or the Repair Facility all sales receipts, invoices, or work orders showing that the Vehicle has been properly serviced or maintained according to manufacturer's specifications and/or provide documentation to prove ownership of the Vehicle.

9. Within thirty (30) days of the repair, You or the Repair Facility must furnish Administrator with copies of the repair order and other requested receipts or documents. You must submit an explanation of the Breakdown and repairs including an itemized, dated repair order and paid receipt(s), including any paid receipt(s) for substitute transportation and, if applicable, emergency roadside assistance expenses. All receipts must be in Your name and must show the date(s), Vehicle description, and odometer reading at the time of the Breakdown, and Your Agreement number.

EXCLUSIONS - WHAT IS NOT COVERED

A. PARTS AND SERVICES NOT COVERED

This Agreement does NOT provide coverage for any of the following parts or services:

(1) Interior maintenance, adjustment and wear items including buttons, carpet, water leaks, dash pad, door and window handles, knobs, rearview mirror (glass housing, and housing contents), and trim.

(2) Exterior maintenance, adjustment and wear items including but not limited to glass, service adjustments for body parts, bright metal, bumpers, body panels, door handles, latches, hinges, moldings, outside ornamentation, convertible or vinyl tops, paint rust, sheet metal, side-view mirrors (glass housing, and housing contents), air and water leaks, weather-strip, wheel covers/ornaments, wind noise, and physical damage to alignment, bumper, or body parts.

(3) Service adjustments/cleaning, a contaminated fuel system, air conditioning recharge, batteries, hybrid batteries (Unless the Hybrid Vehicles Surcharge is selected on the Schedule Page and paid for), battery cables, fuses, relays, bolts and fasteners, belts, brakes (drums, shoes, linings, disc rotors and pads), exhaust system (including catalytic converter), lights (bulbs, sealed beams, and lenses), manual clutch, pressure plate throw out bearings, clutch master or slave cylinder, manual transmission clutch disc and lining, shock absorbers, spark plugs and wires, squeaks or other noises, tires, tune-ups, wheel balancing and alignment, wheel studs, wiper blades, shop supplies, friction materials, glass, hoses (except steering and air conditioning). Filters, lubricants, coolants, refrigerants, fluids, and taxes (where required by law) will be covered only if replacement is required in conjunction with a Breakdown.

(4) A replacement part not supplied by the Vehicle manufacturer unless it is of a kind and quality compatible with the design specifications and wear tolerances of the vehicle manufacturer.

(5) Cases, housing, engine block and cylinder heads are covered only if damaged by the failure of an Internal Lubricated Part.

(6) If You have not selected "Exclusive Coverage" on the Schedule Page, the following factory installed components/systems are not covered: speaker system; rear entertainment system; hot-spot wi-fi module; bluetooth systems; collision avoidance system; blind spot monitoring system; park assist system; keyless access system (not key fob); remote start system; homelink/garage door control transmitter; electronic transmitting and receiving devices, dvd players; vhs players; telephones; radar detectors; gps equipment/system; and gaming system. All aftermarket components are excluded.

(7) Safety restraint system; air bag; air bag control module; air bag sensors and switches; impact sensors.

B. VEHICLES NOT COVERED

This Agreement does NOT provide coverage for any of the following vehicles:

(1) Vehicles not certified for sale within the United States, salvaged vehicles, unless the related surcharge is selected on the Schedule Page, vehicles that have been declared a total loss, and vehicles that have been sold for scrap.

(2) Trucks or vans with a Gross Vehicle Weight (GVW) in excess of thirteen thousand and three hundred (13,300) lbs.

(3) Vehicles used for construction purposes, delivery purposes, commercial towing, commercial farm operation, volunteer public service(s), snow plowing, rental, livery, taxi, motor pool vehicles, or any type of emergency vehicle.

(4) Vehicles used for on or off-road racing or vehicles which are equipped or used for towing in excess of what is recommended by the manufacturer.

(5) Vehicles with modifications or alterations, unless the related surcharge is selected on the Schedule Page, to the powertrain, exhaust system, and suspension that do not meet manufacturer's specifications or are not approved by the Vehicle manufacturer, including but not limited to the failure of any custom or add-on part, all frame or suspension modifications not recommended by manufacturer, lift kits greater than six inches (6"), drops lower than four inches (4"), tires that exceed thirty-five inches (35") in diameter, trailer hitches (unless factory installed). Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.

C. CONDITIONS NOT COVERED

This Agreement does NOT provide coverage under any of the following circumstances/conditions:

(1) Any repair(s) and/or replacement(s) not authorized by Us prior to the commencement of any repair(s) or for loss, damage, or expense arising from or incurred in connection with repairs performed without receipt of prior authorization from Us.

(2) Loss, damage, or expense resulting directly or indirectly from an intentional, dishonest, fraudulent, criminal, or illegal act committed by You, Your employee or agent, or occurring due to confiscation or repossession.

(3) A Breakdown caused by accident, civil commotion or riot, nuclear contamination, collision (including roadbed collision) or upset, glass breakage, earthquake, explosion, volcanic eruption, falling objects, fire or smoke, flood, fluid contamination, freezing, fuel contamination, fuels containing more than ten percent (10%) ethanol, Biofuel, gas with lower octane rating than required by the manufacturer, use of motor oil, or any other type of lubricant that is not recommended by the manufacturer, hail, lightening, malicious mischief, oil contamination, rust or corrosion, theft or larceny, vandalism, water, water contamination, windstorm, and other external forces or events.

(4) Breakdown of any part which the United States Environmental Protection Agency (EPA) has determined to be emission related, which is included on a current list published by the EPA of such parts.

(5) Any loss, damage, or expense normally covered by a standard automobile insurance policy including personal or property liability coverages, comprehensive coverages, or uninsured motorist coverages.

(6) The repair or replacement of a covered part that any manufacturer warranty or any other coverage or other reason the manufacturer, importer, distributor, seller, or repairer of the vehicle will repair or replace the part at its expense or at a reduced cost. Sole coverage for such repairs or replacements shall rest with the manufacturer or other coverage provider. This does not apply to notices that do not provide manufacturer or other coverage provider payment, such as tool or repair directives without coverage, or acknowledgement of a known or common failure that has no coverage, but rather is just a notification that potentially saves time in diagnosis and/or repair.

(7) Breakdown of a Covered Part caused by a non-covered part.

(8) Components or parts which have not failed or resulted in a Breakdown, but are replaced based on the manufacturer's or the Repair Facility's recommendation.

(9) A Breakdown caused by negligence, misuse, improper servicing, or failure by You to perform manufacturer required/recommended maintenance services.

(10) A Breakdown caused by the lack of proper and necessary amounts of coolants or lubricants, or resulting from carbon, contaminate(s) and contamination of fluids, environmental damage, foreign object(s), rust or corrosion, sludge, salt, or due to leaking fluids, fuels, coolants, or lubricants from non-covered parts. Any repair or replacement of any Covered Part if a Breakdown/Mechanical Breakdown has not occurred. Gradual reduction in operating performance is not covered unless it exceeds the published tolerances allowed by the manufacturer. Valves, valve guides, valve seals, and/or piston rings are not covered if the purpose of such is simply to raise the engine's compression, performance, or to reach acceptable oil consumption.

(11) A Breakdown of any part if the odometer is inoperative or has been disconnected subsequent to Your purchase of the Vehicle.

(12) Damage caused by Your failure to take reasonable precautions to prevent damage when an apparent problem exists (e.g., change in engine temperature condition, unusual noises, leaking fluids, shaking, unusual shifting, illuminated warning lights, etc.).

(13) A Breakdown or repair occurring outside the United States, its territories and possessions, or Canada.

(14) Any fees or expenses charged for the disposal, cleanup, neutralization, removal, treatment, or detoxification of environmentally unsafe materials.

(15) Any Breakdown occurring before breakdown coverage takes effect.

(16) If the information provided by You or the Repair Facility cannot be verified as accurate or is found to be deceptively inaccurate.

(17) Incidental or consequential damages, except as expressly provided otherwise in this Agreement, including personal injury, physical damage, loss of use, loss of time, storage charges, inconvenience, and commercial loss.

(18) Any PRE-EXISTING condition including any COVERED PART that was broken, worn beyond serviceable limits, or making noise at the time of purchase, or any component or system that was not functioning properly upon the first attempt to operate.

(19) All COVERED PARTS not in good working order prior to the Vehicle Purchase Date.

YOUR RESPONSIBILITIES

(1) MAINTENANCE REQUIREMENTS

You must keep all fluids at proper levels and have Your Vehicle checked and serviced in accordance with the manufacturer's recommendations as outlined in the Owner's Manual provided by the manufacturer of Your Vehicle. NOTE: Your Vehicle Owner's Manual lists different servicing recommendations based on Your individual driving habits and climate conditions. You are required to follow the maintenance schedule that applies to Your conditions. Failure to follow the manufacturer's recommendations that apply to Your specific conditions may result in the denial of coverage.

(2) PROOF OF MAINTENANCE LOG

It is required that You retain "Proof" of maintenance for the service and/or repair work on Your Vehicle, regardless if work was performed by You or a Repair Facility. "Proof" means repair orders from a Repair Facility or a self-maintained log that has corresponding "purchase receipts" for all maintenance performed, including the current mileage at the time service was performed. The self-maintained log without corresponding "purchase receipts" is not acceptable "proof" of maintenance. Repair order must be readable and understandable, with customer complaint and repair diagnosis, parts, labor hours, vehicle identification number, date, vehicle mileage, Your name and signature, Repair Facility name, address and phone number, repair totals, Deductible (if applicable), and method of payment to satisfy the repair order. "Proof" of maintenance and/or Your self-maintained log with corresponding receipts, may be requested by the Administrator for related repairs.

(3) EMERGENCY REPAIRS - (non-business hours only): Emergency repairs are only those repairs, which, if not performed, would render Your Vehicle inoperable or unsafe to drive and impair its future operation. If emergency repairs covered by this Agreement are required outside the Seller's or Administrator's business hours, (hours of claims operations are [6am- 12am CST 7 days a week]), You should deliver Your Vehicle to a Repair Facility and have the necessary repairs performed at a reasonable and customary charge. On the next business day, You should report the repairs to the Administrator for reimbursement, You will be required to provide repair order/invoice for review. (Utah residents see special state requirements and disclosures for additional clarifying language).

A. AGREEMENT GENERAL PROVISIONS

(1) You agree to assist Us in enforcing Your rights against any manufacturer or Repair Facility that may have responsibility to You for the cost of repairs covered under this Agreement.

(2) We may require You to assign Your rights of recovery against others in the event that We pay for any claim made under this Agreement. We will not pay for any claim hereunder if You impair these rights of recovery. You may not waive Your right(s) to recover from others.

(3) Administrator reserves the right to request a Power of Attorney from You allowing Administrator to speak to the manufacturer, Us, or any other vehicle service contract provider.

(4) If more than one service agreement/contract, warranty, or insurance policy can be applied to a claim, coverage under this Agreement shall be excess over all other such coverage(s), whether collectible or not. However, when You are required to pay a Deductible for a Breakdown covered under another service agreement/contract, warranty, or insurance policy, this Agreement will reimburse You for such Deductible if the Breakdown would have been covered under this Agreement. The maximum benefit per each covered Breakdown Deductible reimbursement shall be one hundred dollars ($100.00).

B. LIMITS OF COVERAGE LIABILITY

For any one repair visit, all benefits paid or payable shall not exceed the J. D. Power N.A.D.A. official used car guide or the actual cash value of Your Vehicle at the instant prior to the covered repair failure. The aggregate total of all benefits paid or payable during the Term of this Agreement shall not exceed the price You paid for Your Vehicle. If the J. D. Power N.A.D.A. Official Used Car guide vehicle valuation is unavailable, not widely recognized, or not commonly used in the geographic area, the Administrator may use another market retail valuation method. For Salvage/Branded Title Vehicles, if the applicable surcharge has been paid, the Vehicle's value will be determined based on the NADA Rough Trade-In value at time of repair or 60% of NADA Clean Retail — whichever is less.

EV BATTERY LIMITS OF COVERAGE LIABILITY

If You elected the Optional EV Battery Surcharge and an EV Battery Breakdown occurs, We agree to pay for or reimburse You for one EV Battery replacement for up to a maximum of ten thousand dollars ($10,000.00), for the Term of this Agreement. You will be required to pay a one thousand dollars ($1,000.00) Deductible for the EV Battery replacement. Some Repair Facilities may NOT accept direct payment from Us. If this issue arises, You will be required to pay for Covered Repair(s) up front, but will be entitled to reimbursement consideration in accordance with all of the limits, terms, conditions, and exclusions herein.

C. TRANSFER

This Agreement applies only to You and the Vehicle listed on the Schedule Page. Only You can transfer this Agreement. This Agreement cannot be transferred to or from an motor vehicle dealer. We will allow a transfer of this Agreement only if each of the following conditions are met:

(1) You have requested a transfer request form from Administrator within fifteen (15) days of the change of ownership of the Vehicle.

(2) Within thirty (30) days of change of ownership You provide Administrator with the following: (a) Copies of sales receipts, invoices, or work orders showing the date, mileage, and service(s) performed to evidence that all of the manufacturer's maintenance requirements have been met. (b) Documented certification of the Vehicle's odometer reading at the time of ownership transfer. (c) If applicable, copies of all documents sent to the manufacturer to effect transfer of Your factory warranty. Any remaining manufacturer's warranty must also be transferred at the same time as Vehicle ownership transfer. (d) A transfer fee of fifty dollars ($50.00). Only a check or a money order will be accepted. (e) The completed transfer request form with all required signatures.

(3) If the transferee does not receive a confirmation of transfer within forty-five (45) days after change of ownership, the transferee must notify Administrator.

D. PAYMENT PLAN PROVISIONS

In the event the purchase price of Your Agreement is being paid for through a payment plan (or its equivalent) which is terminated for non-payment, the Term and Mileage Limit of this Agreement will be modified to reflect the portion of the Agreement that You have paid for. The modified Term and Mileage Limit of the Agreement will be calculated on a pro-rata basis by adding the time and mileage that You have used from the Agreement Purchase Date and Vehicle odometer mileage on the Agreement Purchase Date as listed on the Schedule Page. You may contact the Administrator at [(844) 241-5518] to obtain the modified Term and Mileage Limits.

(1) FINANCIAL AGREEMENTS

If this Agreement was financed (purchased on a payment plan) by a funding party, the funding party shall be entitled to any refund(s) resulting from cancellation of this Agreement for any reason including repossession of Your Vehicle, or total loss of Your Vehicle. Failure to make monthly payments in a timely manner may result in cancellation of this Agreement and no refund will be due and no claims will be approved.

(2) RENEWABLE COVERAGE

You may purchase a new Agreement from the Seller You originally purchased this Agreement from by contacting the Seller thirty

(30) days prior to the expiration of the original Agreement indicated on the Schedule Page. The price of a new agreement will be based on the age, mileage, and eligibility of the Vehicle and coverage selected. If the Seller is out of business or is no longer selling Our product, You may contact the Administrator who will direct You to a Seller in Your area.

E. CANCELLATION

(1) The Agreement Holder may cancel this Agreement by contacting the Seller or Administrator.

(2) If the Vehicle and this Agreement have been financed, the lienholder may cancel this Agreement for non-payment, or if the Vehicle has been declared a total loss or has been repossessed. The rights under this Agreement are transferred to the lienholder and the lienholder is also entitled to any refund calculated in accordance with the Agreement Holder's cancellation rights.

(3) The Agreement Holder may cancel this Agreement within thirty (30) days of the Agreement Purchase Date and receive a full refund of the total Agreement Purchase Price. The Agreement Holder may cancel this Agreement after thirty (30) days and receive a pro-rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven compared to the total Agreement Term, less the applicable cancellation fee in the amount of seventy-five dollars ($75.00) and any claims paid. The Term of this Agreement for cancellation purposes will be based on the date of purchase of the Vehicle and the Vehicle mileage on such date.

(4) In the event the Agreement Purchase Price is being paid for through a payment plan (or its equivalent) any outstanding balance held by payment plan provider would be deducted from the refund amount due to the Agreement Holder.

(5) All refunds will be issued through the Administrator.

(6) If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receive notice of cancellation from the Agreement Holder. Obligor reserves the right to cancel this Agreement upon the occurrence of any of the following:

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

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

• Discovery of fraud or material misrepresentation by the Agreement Holder in obtaining this Agreement or in presenting a claim for service here under.

• Discovery of an act or omission by the Agreement Holder, or a violation by the Agreement Holder of any condition of this Agreement, which occurred after the Agreement Purchase Date and which substantially and materially increases the service required under this Agreement, including but not limited to failure of the odometer of the Vehicle or if for any reason it does not record the actual mileage of the Vehicle after the Agreement Purchase Date and the actual mileage of the Vehicle cannot be established to a reasonable degree of certainty, and if the Vehicle is used for Commercial Use.

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

• No cancellation of this Agreement by the Obligor shall become effective until fifteen (15) days after the notice of cancellation is mailed to the Agreement Holder. The Obligor will not charge a cancellation fee if this Agreement is cancelled by the Obligor.

• If the Obligor cancels this Agreement within thirty (30) days of the Agreement Purchase Date, a full refund of the total Agreement Purchase Price will be issued. If the Obligor cancels this Agreement after thirty (30) days, a pro-rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven compared to the total Agreement Term will be issued.

• If the Obligor cancels this Agreement and a refund is owed, the refund will be paid or credited within thirty (30) days from the effective date of the cancellation.

F. FOR ASSISTANCE

IN THE EVENT OF A BREAKDOWN, CANCELLATION, TRANSFER, OR FOR ANY OTHER QUESTIONS OR CONCERNS, CALL THE ADMINISTRATOR. FOR ROADSIDE ASSISTANCE, CALL THE SERVICE PROVIDER.

G. OBLIGATIONS

Obligations under this Agreement are insured under an insurance policy issued by Lyndon Southern Insurance Company [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256], Tel: [(800) 888-2738], except in Georgia and New York. In Georgia, obligations under this Agreement are insured under an insurance policy issued by Insurance Company of the South, [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256], Tel: [(800) 888-2738]. In New York, obligations under this Agreement are insured under an insurance policy issued by Blue Ridge Indemnity Company, [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256], Tel: [(800) 888-2738.] In the event the Obligor fails to pay an authorized claim within sixty (60) days, or if the Obligor becomes insolvent or ceases to conduct business during the Term of this Agreement, You may file a direct claim with the insurer as designated above. To do so, please call the following number for instructions: [(800) 888-2738].

H. LIMITED APPLICABILITY OF THE FEDERAL MAGNUSON-MOSS WARRANTY ACT

You agree and acknowledge that You have paid an additional fee for this Agreement that is separate and apart from the purchase price You paid for the Vehicle. Because of that separately stated consideration, You agree and acknowledge that this Agreement is not part of the basis of the bargain for Your purchase of the Vehicle. You further agree and acknowledge that We, the Administrator/Obligor under this Agreement, are not the supplier of the Vehicle. Consequently, this Agreement is not a "written warranty" under the federal Magnuson-Moss Warranty Act. As a result, this Agreement is not subject to the provisions of the Magnuson-Moss Warranty Act that apply only to a "written warranty."

I. LIMITATION OF LIABILITY

IN NO EVENT WILL WE BE LIABLE FOR INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE UNDER THIS AGREEMENT INCLUDING, BUT NOT LIMITED TO, LIABILITY FOR INJURY, LOSS OF LIFE, PROPERTY DAMAGE, LOSS OF USE, LOSS OF TIME, INCONVENIENCE, OR COMMERCIAL LOSS, TO THE EXTENT PERMITTED BY LAW, WE DISCLAIM ANY WARRANTY THAT REPAIRS OR PERFORMANCE WILL BE OF ANY PARTICULAR STANDARD OR QUALITY.

J. DISPUTE RESOLUTION/ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

PLEASE READ THIS DISPUTE RESOLUTION/ARBITRATION AGREEMENT AND CLASS ACTION WAIVER, INCLUDING THE OPT-OUT PROVISION, CAREFULLY TO UNDERSTAND YOUR RIGHTS. IT REQUIRES THAT CLAIMS (AS DEFINED BELOW) BE RESOLVED SOLELY THROUGH BINDING ARBITRATION ON AN INDIVIDUAL BASIS, RATHER THAN BY A JURY OR IN A CLASS ACTION. Arbitration is a method of resolving any Claim without filing a lawsuit. In this Arbitration Agreement and Class Action Waiver (collectively including all of this section of this Agreement), You, We, and the Administrator/Obligor (the "Parties") are agreeing to submit any and all Claims to binding arbitration on an individual basis for resolution. This Arbitration Agreement and Class Action Waiver sets forth the terms and conditions of Our Agreement to binding arbitration. The Parties agree that any and all claims, disputes and controversies related in any way to this Agreement, including but not limited to claims related to the underlying transaction giving rise to this Agreement, or claims related to the sale, financing or fulfillment of this Agreement (collectively, "Claims"), shall be resolved by final and binding arbitration. "Claims" shall be given the broadest meaning possible and includes, without limitation, Claims arising under this Agreement, tort, statute, regulation, rule, ordinance or other rule of law or equity, and Claims against any of Our or the Administrator's owners, shareholders, members, affiliates, subsidiaries, divisions, directors, officers, employees, representatives, agents, successors, or assigns. In arbitration, Claims are resolved by an arbitrator and not by a judge or jury. THE PARTIES, INCLUDING YOU, WAIVE ANY RIGHTTO HAVE CLAIMS DECIDED BY A JUDGE OR JURY. In addition, except as expressly stated in the Class Action Waiver or otherwise expressly stated herein, the arbitrator shall have exclusive authority to decide all issues related to the enforcement, applicability, scope, validity, and interpretation of this Arbitration Agreement, including but not limited to any unconscionability challenge or any other challenge that the Arbitration Agreement is void, voidable or otherwise invalid. Notwithstanding this Agreement to arbitrate, each of the Parties retains the right to seek remedies in small claims court to resolve any Claim, on an individual basis, within the jurisdiction of small claims court. You acknowledge Your understanding that all Parties hereunder are waiving their rights to go to court, except for small claims court, to resolve any Claims arising under or related to this Agreement. The Parties agree and acknowledge that the transaction evidenced by this Agreement affects interstate commerce. The Parties further agree that all issues relating to this Arbitration Agreement and Class Action Waiver, including its enforcement, scope, validity, interpretation, and implementation, will be determined pursuant to federal substantive law and the substantive and procedural provisions of the Federal Arbitration Act ("Act"), 9 U.S.C. §§ 1-16. If federal substantive law holds that state law should apply to any issue relating to this Arbitration Agreement and Class Action Waiver, then the law of the state where You purchased the Agreement shall apply, without regards to conflicts of law. CLASS ACTION WAIVER. All Claims must be brought solely in an individual capacity, and not as a plaintiff or class member in any purported class action, collective action, representative action, mass action, private attorney general action or action on behalf of the general public, or similar proceeding (any such action is referred to herein as a "Class Action"). NO CLAIM WILL BE ARBITRATED ON A CLASS ACTION BASIS. The Parties, including You, expressly waive any right or ability to bring, assert, maintain, or participate as a class member in any Class Action in court, arbitration, or any other forum, and the right for anyone to do so on Your behalf. The arbitrator may not consolidate more than one person or entity's claims, and may not otherwise preside over any Class Action. The arbitrator shall not have the authority to combine or aggregate multiple persons' or entities' Claims or discovery, to conduct a Class Action or to make an award to any person or entity not a party to the arbitration. Notwithstanding anything to the contrary, the Parties agree that the enforcement, applicability, scope, validity, and/or interpretation of this Class Action Waiver shall be decided by a court of competent jurisdiction and not by an arbitrator. If this Class Action Waiver is ruled unenforceable or is interpreted to not prevent a Class Action, then the Arbitration Agreement shall be null and void, and any Claims shall proceed in a court of law and not in arbitration. The Parties agree that if an arbitrator renders a decision regarding the enforcement, applicability, scope, validity, and/or interpretation of this Class Action Waiver, or determines that a Class Action may proceed in arbitration, then: (1) the arbitrator has exceeded his powers, pursuant to §10(a)(4) of the FAA, by taking such action; (2) either party may seek immediate review of that decision by a court of competent jurisdiction; and (3) a court of competent jurisdiction shall apply a "de novo" standard of review of that decision if such standard of review is allowed by the common law or statutes of that state. The Parties, including You, agree that if for any reason a Claim proceeds to Court, rather than arbitration, (1) the Claim will proceed solely on an individual, non-class, non-representative basis, and (2) no Party may be a class representative or class member or otherwise participate in any Class Action. The arbitration shall be administered by the American Arbitration Association ("AAA"). The arbitration shall be conducted pursuant to the AAA Consumer Arbitration Rules (the "Code"). Information on AAA and a copy of the Code may be found at the following URL: American Arbitration Association, www.adr.org. The arbitration will be governed by federal substantive law and the substantive and procedural provisions of the Federal Arbitration Act ("Act"), 9 U.S.C. §§ 1-16. If federal substantive law holds that state law should apply to any issue relating to the arbitration, then the law of the state where You purchased the Agreement shall apply, without regards to conflicts of law. The arbitration will occur before a single, neutral arbitrator selected in accordance with the Code in effect at the time the arbitration is commenced. If Your total damage claims (not including attorney's fees) do not exceed $25,000, then all Claims shall be resolved by the Code's Procedures for the Resolution of Disputes through Document Submission, except that a Party may askfor a hearing or the arbitrator may decide that a hearing is necessary. If a hearing is held, You have a right to attend the arbitration hearing in person, and You may choose to have any arbitration hearing held in the county in which You live, the closest AAA location to Your residence, or via telephone. In the event that the specified arbitration forum is unavailable, the Parties may agree on a substitute arbitration forum. If the Parties cannot agree, a court of competent jurisdiction may appoint a substitute arbitration forum. For information about how to initiate arbitration with the AAA, the Parties may refer to the AAA Code and forms at www.adr.org . If You initiate arbitration with AAA, You must pay the AAA filing fee in an amount no greater than the fee You would have to pay if You filed a complaint in federal court. We will pay any remaining Costs of arbitration required by the Code ("Arbitration Costs"); however, if the arbitrator determines that any of Your claims are frivolous, You shall bear all of the Arbitration Costs. If We initiate arbitration against You, We will pay the AAA filing fee and the Arbitration Costs. Each party will pay his/her/its own attorney's fees, as well as costs relating to proof and witnesses, regardless of who prevails, unless applicable law and/or the Code gives a party the right to recover any of those fees from the other party. An arbitration award may not be set aside except upon the limited circumstances set forth in the Federal Arbitration Act. An award in arbitration will be enforceable under the Federal Arbitration Act by any court having jurisdiction. The time for commencing an arbitration asserting any Claim shall be determined by reference to the applicable statute(s) of limitations, including the applicable rules governing the commencement of the limitations period, and a Claim in arbitration is barred to the same extent it would be barred if it were asserted in court of law or equity rather than in arbitration. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, all the remaining portions of this Arbitration Agreement shall nevertheless remain valid and enforceable, provided, however, that if any portion of the Class Action Waiver is deemed invalid or unenforceable, then this Arbitration Agreement shall be invalidated and unenforceable in its entirety. In the event of a conflict or inconsistency between this Arbitration Agreement and Class Action Waiver and the other provisions of this Agreement or any other Agreement, this Arbitration Agreement and Class Action Waiver governs. OPT-OUT PROVISION. YOU SHALL HAVE THE RIGHT TO OPT OUT OF THIS ARBITRATION AGREEMENT AND CLASS ACTION WAIVER BY PROVIDING WRITTEN NOTICE OF YOUR INTENTION TO DO SO TO US WITHIN THIRTY (30) DAYS OF THE PURCHASE OF THIS AGREEMENT THE DATE OF PURCHASE BEING INDICATED ON YOUR AGREEMENT. To opt out, You must send written notice to either: (1) 10751 Deerwood Park Blvd., Suite 200, Jacksonville, FL 32256, Attn: Legal or (2) legal@fortegra.com, with the subject line, "Arbitration/Class Action Waiver Opt Out." You must include in Your opt out notice: (a) Your name and address; (b) the date You purchased Your Agreement; and (c) the Seller. If You properly andtimely opt out, then all Claims will be resolved in court rather than arbitration.

K. PRIVACY POLICY

It is Our policy to respect the privacy of Our customers. For information on Our privacy practices, please review Our privacy policy at www.fortegra.com.

SPECIAL STATE DISCLOSURES AND/OR REQUIREMENTS

The following SPECIAL STATE DISCLOSURES AND/OR REQUIREMENTS apply to this Agreement and supersede any other provision(s) herein to the contrary. We have made every effort to include all required state notices; however, if a state notice is required on the Agreement Purchase Date and is not listed below, such state law or regulations will take precedence over the terms of this Agreement.

ALABAMA: CANCELLATION section is modified as follows: The Agreement Holder may cancel this Agreement within thirty

(30) days of the Agreement Purchase Date, and receive a full refund of the total Agreement Purchase Price, less any claims paid. The Agreement Holder may cancel this Agreement after thirty (30) days and receive a pro-rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven compared to the total Agreement Term, less the applicable cancellation fee. A cancellation fee not to exceed twenty-five dollars ($25.00) will be charged for cancellations occurring after thirty (30) days. No cancellation fee will be charged if We cancel Your Agreement. The Term of this Agreement for cancellation purposes will be based on the Vehicle Purchase Date and the Vehicle mileage on such date. Refunds issued hereunder shall be issued less the value of any services received by the Agreement Holder (including claims paid). A ten percent (10%) penalty per month shall be added to a refund not paid or credited within forty-five (45) days after return of the Agreement and upon receipt of the Administrator. If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receive notice of cancellation from the Agreement Holder. The Agreement will be governed under the laws of the State of Alabama.

ALASKA: FINANCIAL AGREEMENTS section is modified as follows: If the provider cancels this Agreement any unearned premium will be returned to the funding party, at a prorated rate of the unearned provider fee less any claims paid, within 45 days. CANCELLATION section is modified as follows: The time period for a full refund is amended to be ten (10) days from the Agreement Purchase Date if the Agreement is delivered at the time of sale, or thirty (30) days from mailing if the Agreement is provided to You by mail. A ten percent (10%) per month penalty of the unearned Agreement Purchase Price shall be added to any refund owed that is not paid within forty-five (45) days. If the Agreement Holder cancels after thirty (30) days, a pro-rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven comparted to the total Agreement Term, less the applicable cancellation fee in the amount of fifty ($50.00) dollars or 7.5% of the unearned Agreement Purchase Price, whichever is less. The Term of this Agreement for cancellation purposes will be based on the date of purchase of the Vehicle and the Vehicle mileage on such date. Refunds hereunder shall be issued less the value of any services received by the Agreement Holder (including claims paid.) We may only cancel this Agreement for the following reasons: (1) Your nonpayment of the Agreement Purchase Price; (2) Your conviction for a crime having as one of its necessary elements an act increasing a hazard covered by this Agreement; (3) discovery of fraud or material misrepresentation made by You in obtaining the Agreement or pursuing a claim under the Agreement; (4) discovery of a grossly negligent act or omission by You that substantially increases the hazards covered by this Agreement; (5) physical changes in the Vehicle that result in the Vehicle becoming ineligible for coverage under the Agreement; or (6) a substantial breach of duties by You related to the Vehicle. If We cancel this Agreement, We will mail a written notice stating the effective date of and reason for cancellation to Your last known address at least five (5) days prior to cancellation, unless the reason for cancellation is nonpayment or a material misrepresentation. A ten percent (10%) per month penalty of the unearned Agreement Purchase Price shall be added to any refund owed that is not paid within forty-five (45) days. This Agreement does not provide coverage for damages for bad faith, punitive or exemplary damages, personal injury including bodily injury, property damage (except as specifically stated in the Agreement), and attorney's fees. FILING A CLAIM section is amended as follows: No claim will be denied for timeliness unless the late reporting prejudiced the Service Contract Provider. AGREEMENT GENERAL PROVISIONS section is amended as follows: If more than one warranty or insurance policy can be applied to a claim, coverage under this Agreement shall be excess over all other such coverage(s), whether collectible or not. The DISPUTE RESOLUTION/ARBITRATION AGREEMENT AND CLASS ACTION WAIVER section is deleted in its entirety and replaced with the following: If You and the Obligor fail to agree on the amount of a covered first party loss, either may make written demand upon the other to submit the dispute for appraisal. Within ten (10) days of the written demand, each party must notify the other of the appraiser each has selected. The two appraisers will promptly choose a competent and impartial umpire. Not later than fifteen (15) days after the umpire has been chosen, unless the time period is extended by the umpire, each appraiser will separately state, in writing, the amount of the loss. If the appraisers submit a written report of agreement on the amount of the loss, the agreed amount will be binding. If the appraisers fail to agree, the appraisers will promptly submit their differences to the umpire. A decision agreed to by one of the appraisers and the umpire will be binding. All expenses and fees, not including counsel or adjuster fees, incurred because of the appraisal shall be paid, as determined by the umpire. Except as specifically provided, nothing in this section is intended to or shall in any manner limit or restrict Your rights or the rights of the Obligor. The reference to DISPUTE RESOLUTION/ARBITRATION AGREEMENT AND CLASS ACTION WAIVER is deleted from Page 1. OBLIGATIONS, is amended as follows: In the event the Obligor fails to provide a covered service within thirty (30) days after the Agreement Holder notifies the Obligor of a claim, or if the Obligor becomes insolvent or ceases to conduct business during the Term of this Agreement, You may file a direct claim with the insurer as designated above. To do so, please call the following number for instructions: [(800) 888-2738].

ARIZONA: CANCELLATION section is amended as follows: The Agreement Holder may cancel this Agreement and receive a pro-rata refund of the total Agreement Purchase Price, less any claims paid. The Obligor section is amended as follows: We may cancel this Agreement if Your Vehicle is found to be modified by You in a manner not recommended by the manufacturer after the Agreement Purchase Date, or Your Vehicle is found to be used for Commercial Use, unless the surcharge is selected on the Schedule Page and paid for. We may cancel this Agreement for non-payment of the Agreement Purchase Price, or for Your misrepresentation in the submission of a claim. In the event of cancellation, You will not be charged for claims paid or repair service fees. We may not exclude preexisting conditions if such conditions were known or should reasonably have been known by Us or the person selling the Agreement on Our behalf. EXCLUSIONS section is amended as follows: This Agreement does NOT provide coverage if the Vehicle condition occurred after the Agreement Purchase Date. Nothing in this Agreement prevents, limits, or waives Your rights to file a complaint against Us or seek remedy available thereto, with the Arizona Department of Insurance and Financial Institutions, Consumer Protection Division, 100 N. 15th Ave., Suite 261, Phoenix, AZ 85007.

ARKANSAS: CANCELLATION section is modified as follows: Claims paid will not be deducted from Your cancellation refund amount. Obligations of the Obligor under this Agreement are insured under a reimbursement insurance policy. If the Obligor fails to pay or provide service on a claim within sixty (60) days after proof of loss has been filed, the Agreement Holder is entitled to make a claim directly against the insurance company referenced in the OBLIGATIONS section of this Agreement. Arbitration clause is non-binding and voluntary.

COLORADO: In the event the Obligor fails to pay an authorized claim within sixty (60) days after proof of loss has been filed, You may file a direct claim with the insurance company listed in the OBLIGATIONS section of this Agreement. Policy Number: COAKMC.

CONNECTICUT: CANCELLATION section is modified as follows: You may cancel this Agreement at any time for any reason by submitting a written request to the Administrator or Seller containing a copy of Your Agreement. Under Regulations of Connecticut State Agencies 42-260-3, We are required to make reasonable efforts with You to resolve disputes regarding this Agreement. If You and Us cannot reach an Agreement, You may file a written complaint with the State of Connecticut, Insurance Department, P.O. Box 816, Hartford, CT 06142- 0816, Attention: Consumer Affairs. If the Agreement period is less than one (1) year, the coverage is automatically extended if the product is being repaired when the Agreement expires. In-home service is not provided.

FLORIDA: CANCELLATION section is modified as follows: You may cancel this Agreement by submitting a written request to the Administrator or Seller containing a copy of Your Agreement. During the first sixty (60) days from the Agreement Purchase Date, We or the Seller will refund You one hundred percent (100%) of the Agreement Purchase Price, less any claims paid on Your Agreement. After the first sixty (60) days from the Agreement Purchase Date, We or the Seller will refund You a pro rata amount of the Agreement Purchase Price, based on the months remaining, less a fifty-dollar ($50) cancellation fee or ten percent (10%) of the unearned pro rata premium, whichever is less. If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receive notice of cancellation from the Agreement Holder. We may cancel this Agreement during the first sixty (60) days of the Agreement Purchase Date for any reason. After sixty (60) days, We may cancel this Agreement for material misrepresentation or fraud at time of sale or for non-payment of Agreement Purchase Price. If We cancel this Agreement, We or the Seller will refund You one hundred percent (100%) of the Agreement Purchase Price, less any claims paid on Your Agreement. If We cancel this Agreement for non- payment of the Agreement Purchase Price by You, We shall provide You notice of cancellation by certified mail. If Your Agreement is financed, the lienholder has the right to receive any portion of the cancellation refund amounts. If Your Vehicle is repossessed, stolen or declared a total loss, You authorize the lienholder to cancel this Agreement. The rights under this Agreement are transferred to the Lienholder and the Lienholder is also entitled to any refund. The lienholder, if any, will be named on a cancellation refund check as their interest may appear. If We cancel this Agreement and a refund is owed, the refund will be paid or credited within thirty (30) days from the effective date of the cancellation.

TRANSFER FEE: The transfer fee is forty dollars ($40.00). The Agreement Purchase Price charged for this Agreement is not subject to regulation by the Florida Office of Insurance Regulation. Obligations is amended to include: In the state of Florida obligations under this Agreement are not backed by an insurance policy. This Agreement is amended to include: At the sole discretion of the Administrator, replacement may be made with new, remanufactured, non-OEM or used parts, which are of a like kind and quality comparable with the original design specifications and wear tolerances of Your Vehicle.

GEORGIA: The DISPUTE RESOLUTION/ARBITRATION AGREEMENT AND CLASS ACTION WAIVER section is deleted in its entirety. CANCELLATION section is modified as follows: If You cancel the Agreement within thirty (30) days of the Agreement Purchase Date, the cancellation fee will not be charged. After thirty (30) days, the cancellation fee can be no more than ten percent (10%) of the pro-rata refund amount or fifty dollars ($50), whichever is less. If You have cancelled this Agreement and have not received the refund from Administrator within sixty (60) days of such cancellation, You may contact the Insurance Company identified in the OBLIGATIONS section of this Agreement. In the event of cancellation, You will not be charged for claims paid or repair service fees. For cancellations by You within thirty (30) days of the Agreement Purchase Date in which no claims have been filed, a ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) after We receive the cancellation request. We may cancel this Agreement for non-payment of the Agreement Purchase Price for material misrepresentation, or for fraud and no cancellation fee will be charged. The cancellation shall be in writing and shall not be less than thirty (30) days from the date of mailing or delivery in person of such notice of cancellation. If this Agreement is cancelled after the first thirty (30) days or a claim has been filed, We will refund an amount of the Agreement Purchase Price according to the pro-rata method reflecting the greater of the days in force or the miles driven based on the Term of the plan selected and the date Agreement Purchase Date. Pre-existing conditions known to You are not covered, including any covered part that was broken, worn beyond serviceable limits, or making noise at the time of purchase, or any component or system that was not functioning properly upon the first attempt to operate. The funding party and lienholder may only cancel for nonpayment in the event of total loss or repossession of the Vehicle. CONDITIONS NOT COVERED, (10), sludge is removed. This Agreement does NOT provide coverage for any of the following vehicles: Vehicles with modifications or alterations made by You or with Your knowledge to the powertrain, exhaust system, and suspension that do not meet manufacturer's specifications or are not approved by the Vehicle manufacturer, including but not limited to the failure of any custom or add-on part, all frame or suspension modifications not recommended by manufacturer, lift kits greater than six inches (6"), drops lower than four inches (4"), tires that exceed thirty-five inches (35") in diameter, trailer hitches (unless factory installed). Also not covered are any emissions and/or exhaust systems modifications, engine modifications, transmission modifications, and/or drive axle modifications, which includes any performance modifications.

HAWAII: CANCELLATION section is modified as follows: If You cancel this Agreement within the applicable time period for a full refund and no claims have been paid, a penalty of ten percent (10%) per month shall be added to any refund not paid to You within forty-five (45) days. If We cancel this Agreement, We will mail a written notice five (5) days prior to the cancellation effective date stating the reason for cancellation and effective date of the cancellation. A notice will not be provided if cancellation is for nonpayment, material misrepresentation, or a substantial breach of duties by You relating to the Vehicle or its use.

IDAHO: CANCELLATION section is modified as follows: Claims paid will not be deducted from Your cancellation refund amount. If You are in need of emergency repairs and are unable to contact Us for prior authorization, then You may take Your Vehicle to any state licensed Repair Facility to have the repairs performed prior to authorization by Us. In such a case, You must contact Us as soon as possible to file a claim. Failure to obtain prior authorization from Us prior to the performance of a repair will not invalidate a covered claim if You show that it was not reasonably possible to do so. Coverage afforded under this Agreement is not guaranteed by the Idaho Insurance Guarantee Association. OBLIGATIONS is amended as follows: Obligations of the Obligor under this Agreement are insured under a reimbursement insurance policy. If the Obligor fails to pay or provide service on a claim within sixty (60) days after proof of loss has been filed, the Agreement Holder is entitled to make a claim directly against the insurance company referenced in the OBLIGATIONS section of this Agreement.

ILLINOIS: CANCELLATION section is modified as follows: If You elect cancellation, We may retain a cancellation fee not to exceed the lesser of ten percent (10%) of the Agreement Purchase Price or fifty dollars ($50.00). Your Agreement is amended to include: Normal wear and tear is covered except where excluded in COMPONENTS, EXPENSES, AND VEHICLES NOT COVERED.

INDIANA: Your proof of payment to the Seller for this Agreement shall be considered proof of payment. This Agreement is not insurance and is not subject to Indiana insurance law. OBLIGATIONS is amended as follows: Obligations of the Obligor under this Agreement are insured under a reimbursement insurance policy. If the Obligor fails to pay or provide service on a claim or provide a refund within sixty (60) days after proof of loss has been filed, the Agreement Holder is entitled to make a claim directly against the insurance company referenced in the OBLIGATIONS section of this Agreement.

IOWA: CANCELLATION section is modified as follows: If cancelled after the first thirty (30) days, the cancellation fee for cancellation by the Agreement Holder can be no more than ten percent (10%) of the Agreement Purchase Price or fifty dollars ($50.00) whichever is less. If You cancel this Agreement within the first thirty (30) days, a ten percent (10%) penalty per month shall be added to a refund that is not made within thirty (30) days of return of this Agreement to Us. If We cancel this Agreement, written notice of such cancellation will be mailed to You at least fifteen (15) days prior to the date of cancellation. In the event of cancellation by the Obligor, notice of cancellation will state the effective date of cancellation and the reason for the cancellation. Iowa residents only may contact the Iowa Insurance Commissioner at the following address: Iowa Insurance Division, 1963 Bell Avenue, Suite 100, Des Moines, Iowa 50315 (515) 654-6600. This Agreement is subject to applicable provisions of Iowa Consumer Credit Code, Chapter 537. OBLIGATIONS is amended as follows: Obligations of the Obligor under this Agreement are insured under a reimbursement insurance policy. If the Obligor fails to pay or provide service on a claim or provide a refund within sixty (60) days after proof of loss has been filed, the Agreement Holder is entitled to make a claim directly against the insurance company referenced in the OBLIGATIONS section of this Agreement.

KENTUCKY: Transfer fee and Cancellation fee are not applicable.

LOUISIANA: CANCELLATION section is modified as follows: A ten percent (10%) penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after return of the Agreement to Us. We shall mail a written notice to the Agreement Holder at the last known address of the Agreement Holder at least fifteen

(15) days prior to cancellation by Us. The notice shall state the effective date of the cancellation and the reason for the cancellation. Prior notice is not required if the reason for cancellation is nonpayment of the provider fee, a material misrepresentation by the Agreement Holder to Us, or a substantial breach of duties by the Agreement Holder relating to the covered Vehicle or its use. This Agreement is not regulated by the Louisiana Department of Insurance. Any concerns or complaints regarding this Agreement may be directed to the Louisiana Attorney General. The ARBITRATION section is voluntary and non-binding. If You are in need of emergency repairs and are unable to contact Us for prior authorization, then You may take Your Vehicle to any state licensed Repair Facility to have the repairs performed prior to authorization by Us. In such a case, You must contact Us as soon as possible to open a claim file. Failure to obtain prior authorization from Us prior to the performance of a repair will not invalidate a covered claim if You show that it was not reasonably possible to do so.

MAINE: CANCELLATION section is modified as follows: The Agreement Holder may cancel this Agreement within thirty

(30) days of the Agreement Purchase Date, and receive a full refund of the total Agreement Purchase Price plus any applicable sales tax, less any claims paid. The Agreement Holder may cancel this Agreement after thirty (30) days and receive a pro- rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven compared to the total Agreement Term, less the applicable cancellation fee, in the amount of fifty dollars ($50.00) or ten percent (10%) of the Agreement Purchase price, whichever is less. The Term of this Agreement for cancellation purposes will be based on the date of purchase of the Vehicle and the Vehicle mileage on such date. Refunds issued hereunder shall be issued less the value of any services received by the Agreement Holder (including claims paid). If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receives notice of the request to cancel from the Agreement Holder. A ten percent (10%) penalty per month must be added to a refund that is not paid or credited within forty-five (45) days after return of the Agreement to Us. We shall mail a written notice to the Agreement Holder at the last known address of the Agreement Holder contained in the records of the Obligor at least fifteen (15) days prior to cancellation by Us. The notice must state the effective date of the cancellation and the reason for the cancellation. If the Obligor cancels this Agreement within the first thirty (30) days of the Agreement Purchase Date, a full refund of the total Agreement Purchase Price will be issued. If the Obligor cancels this Agreement after thirty (30) days, We shall refund to the Agreement Holder one hundred percent (100%) of the unearned pro rata Agreement Purchase Price, less any claims paid. If the Obligor fails to pay or provide service on a claim, including any claim for the return of the unearned portion of the Agreement Purchase Price, within sixty (60) days after proof of loss has been filed, the Agreement Holder is entitled to make a claim directly against the insurance company listed in the OBLIGATIONS section of this Agreement.

MARYLAND: CANCELLATION section is modified as follows: If You are the original Agreement Holder and You cancel this Agreement within thirty (30) days of the original Agreement Purchase Date, a full refund will be issued, less any claims paid. If You cancel this Agreement after thirty (30) days, You will receive a pro-rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven compared to the total Agreement Term. The Term of this Agreement for cancellation purposes will be based on the date of purchase of the Vehicle and the Vehicle mileage on such date. Refunds hereunder shall be issued less the value of any services received by the Agreement Holder (including claims paid). The cancellation fee does not apply in Maryland. A ten percent (10%) penalty per month of the Agreement Purchase Price shall be added to a refund that is not paid within forty-five (45) days of return of this Agreement to Us. If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receive notice of cancellation from the AGREEMENT HOLDER. After forty-five (45) days, We cannot cancel this Agreement except, when there exists:

(1) a material misrepresentation or fraud at the time of sale of the Agreement; (2) a matter or issue related to the risk that constitutes a threat to public safety; (3) a change in the condition of the risk that results in an increase in the hazard insured against; (4) for non-payment of the Agreement Purchase Price; or (5) due to the revocation or suspension of the driver's license or motor vehicle registration of the named insured or covered driver under the policy and for reasons related to the driving record of the named insured or covered driver. The transfer fee does not apply in Maryland. The cost of tear down and diagnostics are included with loss covered by this Agreement. BREAKDOWN/MECHANICAL BREAKDOWN - A breakdown will also be covered if it was caused by normal wear and tear of a covered component. This Agreement will be extended automatically if the Obligor fails to perform the services under the Agreement. Likewise, this Agreement does not terminate until the services are provided in accordance with the terms of the Agreement. In the event the Obligor fails to pay any authorized claim or make any refund or consideration due within sixty (60) days after proof of loss has been filed, You may file a direct claim with the insurance company indicated in the OBLIGATIONS section of this Agreement.

MISSISSIPPI: CANCELLATION section is modified as follows: Cancellation fee may not exceed ten percent (10%) of the Agreement Purchase Price paid by You. A ten percent (10%) penalty per month shall be added to a refund that is not made within forty-five (45) days of return of this Agreement to Us. If We cancel the Agreement, written notice of such cancellation will be mailed to You not less than thirty (30) days prior to the effective date of such cancellation and will state the reason for cancellation; ten (10) days written notice will be mailed to You for non-payment of the Agreement Purchase Price, material misrepresentation, or substantial breach of duties by the Agreement Holder relating to the Vehicle or its use. If We cancel this Agreement within the first thirty (30) days of the Agreement Purchase Date, a full refund of the Agreement Purchase Price will be issued, less any claims paid. After thirty (30) days, a pro-rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven compared to the total Agreement Term will be issued less the amount of any claims paid. This Agreement is not supported by a manufacturer or distributor.

IMPORTANT NOTICE ABOUT YOUR COVERAGE:

1.) This Agreement includes a binding ARBITRATION Agreement.

2.) The ARBITRATION Agreement requires that any dispute related to i. Your coverage must be resolved by Arbitration and not in a court of law. ii. The results of the Arbitration are final and binding on You and Us.

3.) In an Arbitration, one or more arbitrators, who are independent, neutral decision makers, render a decision after hearing the positions.

4.) When You become an Agreement Holder under this Agreement, You must resolve any dispute related to the Agreement by binding arbitration instead of a trial in court, including a trial by jury.

5.) Binding arbitration generally takes the place of resolving disputes by a judge and jury.

6.) Should You need additional information regarding the binding arbitration provision in the Agreement, You may contact [(800) 888-2738].

MONTANA: CANCELLATION section is modified as follows: If We cancel this Agreement, We will mail a written notice stating the effective date of and reason for cancellation to Your last known address at least five (5) days prior to cancellation, unless the reason for cancellation is nonpayment, material misrepresentation, or substantial breach by the Agreement Holder relating to the Vehicle or its use.

NEBRASKA: The ARBITRATION section is deleted in its entirety and replaced with the following: Any claim or dispute in any way related to this Agreement, by a person covered under this Agreement against Us or Us against a person covered under this Agreement, may be resolved by arbitration only upon mutual consent of the parties. Arbitration pursuant to this section shall be subject to the following:

1. No arbitrator shall have the authority to award punitive damages or attorney's fees;

2. Neither party shall be entitled to arbitrate any claims or disputes in a representative capacity or as a member of a class; and

3. No arbitrator shall have the authority, without the mutual consent of the parties, to consolidate claims or disputes in arbitration.

NEVADA: DEFINITION section is modified as follows: WAITING PERIOD: This Agreement is subject to a thirty (30) day and one thousand (1,000) mile waiting period beginning on the Agreement Purchase Date. There is no coverage during the Waiting Period. Coverage begins upon the expiration of the Waiting Period. The Waiting Period expires when the time and mileage has elapsed. CANCELLATION section is modified as follows: You may cancel this Agreement by submitting a written request to the Administrator or Seller containing a copy of Your Agreement and the current mileage on Your Vehicle. During the first thirty

(30) days from the Agreement Purchase Date, We or the Seller will refund You one hundred percent (100%) of the Agreement Purchase Price. After the first thirty (30) days from the Agreement Purchase Date, We will refund You a pro-rated amount of the Agreement Purchase Price, less a twenty-five dollar ($25) cancellation fee, within forty-five (45) days after the Agreement has been returned to Us. A ten percent (10%) penalty per month shall be added to a refund that is not made within forty-five

(45) days of return of this Agreement to Us. If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receive notice of cancellation from the Agreement Holder. We may cancel this Agreement during the first thirty (30) days of the Agreement Purchase Date for any reason. After thirty

(30) days, We may cancel this Agreement for material misrepresentation or fraud by You at time of sale or non-payment of Agreement Purchase Price by You. If We cancel this Agreement, We or the Seller will refund You one hundred percent (100%) of the Agreement Purchase Price. No claims paid on Your Agreement will ever be deducted from any refund issued pursuant to this Agreement in Nevada. If We cancel this Agreement, no cancellation will become effective until at least fifteen

(15) days after the notice of cancellation is mailed to You. If Your Agreement is financed, the lender has the right to receive any portion of the cancellation refund amounts. If Your Vehicle is repossessed, stolen or declared a total loss, You authorize the lender to cancel this Agreement. In either case, no cancellation will become effective until at least fifteen (15) days after the notice of cancellation is mailed to You. If the Obligor cancels this Agreement and a refund is owed, the refund will be paid or credited within thirty (30) days from the effective date of the cancellation. This Agreement is non-renewable. Transfer fee may not exceed twenty-five ($25.00) dollars. This Agreement will not cover any unauthorized or non-manufacturer recommended modifications to the Vehicle, or any damages arising from such unauthorized or non-manufacturer recommended modifications. However, if the Vehicle is modified or repaired in an unauthorized or non-manufacturer recommended manner, We will not automatically suspend all coverage. Rather, this Agreement will continue to provide any applicable coverage that is not related to the unauthorized or non- manufacturer recommended modification or any damages arising therefrom, unless such coverage is otherwise excluded by the terms of this Agreement. If You are not satisfied with the manner in which We are handling the claim on the Agreement, You may contact the Commissioner by use of the toll-free number of the Division, (888) 872- 3234 or http://doi.nv.gov/.

NEW HAMPSHIRE: Deduction of claims are not permitted. CANCELLATION section is modified as follows: Any cancellation fee does not exceed the lesser of 10% of the Agreement purchase price or $75. VCI limits the cancellation fee to the lesser of $50 or the state-permitted maximum. Agreements with a duration of 12+ months are earned pro rata. If You have any questions regarding this Agreement, You may contact Us by mail or by phone. Refer to the front of this Agreement for Our address and toll-free number. In the event You do not receive satisfaction under this Agreement, You may contact the New Hampshire Insurance Department at the following address: 21 Fruit Street, Suite 14, Concord, New Hampshire 03301 (603) 271-2261. The ARBITRATION is subject to N.H. Rev. Stat. 542.

NEW JERSEY: CANCELLATION section is modified as follows: If You request cancellation of this Agreement within thirty (30) days of the Agreement Purchase Date, a ten percent (10%) penalty per month of the Agreement Purchase Price will be added to the refund that is not made within forty-five (45) days of return of this Agreement to Us. If We cancel this Agreement, We shall mail a written notice to You at Your last known address at least five (5) days before cancellation. The notice shall state the effective date of the cancellation and the reason for the cancellation. Written notice is not required if canceled due to non-payment by You of the Agreement Purchase Price; a material misrepresentation by You to Us; or substantial breach of duties by You relating to the Vehicle or its use.

NEW MEXICO: CANCELLATION section is modified as follows: If the Agreement Holder's refund is not returned within sixty

(60) days of return of this Agreement to Us, a ten percent (10%) penalty of the purchase price, for each thirty (30)-day period or portion thereof that the refund remains unpaid will be added to the refund. If the Agreement Holder cancels this Agreement thirty (30) days after the Agreement Purchase Date, a refund of 100% of the unearned pro rata Agreement Purchase Price will be provided, less a cancellation fee of $50.00 or ten percent (10%) of the Agreement Purchase Price, whichever is less, and less any claims paid. The right to void this Agreement is not transferable and applies to only the original Agreement Holder. No Agreement that has been in effect for at least seventy (70) days will be cancelled by Us before the expiration of the agreed term of one (1) year after the Agreement Purchase Date, except on any of the following grounds: (1) Your failure to pay an amount when due; (2) You are convicted of a crime that results in an increase in the service required under the Agreement;

(3) Discovery of fraud or material misrepresentation by You in obtaining the Agreement or in presenting a claim for service there under; or (4) Discovery of either of the following if it occurred after the Agreement Purchase Date and substantially and materially increased the service required under the Agreement: a) An act or omission by You; or b) Your violation of any condition of the Agreement. If We cancel the Agreement, notice of such cancellation will be delivered to You by registered mail fifteen (15) days prior to cancellation. The notice of cancellation will state the reason for cancellation and will include any reimbursement required. The cancellation will be effective as of the date of termination as stated in the notice of cancellation. RENEWABLE COVERAGE section is modified as follows: You may purchase a new Agreement from the Seller You originally purchased this Agreement from by contacting the Seller sixty (60) days prior to the expiration of the original Agreement indicated on the Schedule Page. A ten percent (10%) penalty per month shall be added to a refund that is not made within thirty

(30) days of return of this Agreement to Us. The cancellation fee does not apply in New Mexico. If You have any concerns regarding the handling of Your claim, You may contact the Office of Superintendent of Insurance at 855-427-5674.

NEW YORK: CANCELLATION section is modified as follows: If this Agreement is originally delivered to You by mail, You may cancel this Agreement within thirty (30) days after the Agreement was mailed to You and receive a full refund of the Agreement Purchase Price provided no claim has been made under the Agreement. If a full refund is due to You under this Agreement, a ten percent (10%) penalty per month will be added to the refund if it is not made within thirty (30) days of return of the Agreement to Us. If the Obligor cancels, a notice of cancellation will be sent to the Agreement Holder, which will include the effective date of the cancellation and the reason for the cancellation. The Obligor will mail a notice of cancellation to the Agreement Holder at least fifteen (15) days prior to cancellation. If You are in need of emergency repairs and are unable to contact Us for prior authorization, then You may take Your Vehicle to any state licensed Repair Facility to have the repairs performed prior to authorization by Us. In such case, You must contact Us as soon as possible to open a claim file. Failure to obtain prior authorization from Us prior to the performance of a repair will not invalidate a covered claim if You show that it was not reasonably possible to do so. Additionally, failure to furnish Us with copies of repair orders and other requested receipts or documents within thirty (30) days of the repair will not invalidate a covered claim if You show that it was not reasonably possible to do so. OBLIGATIONS is amended as follows: Obligations of the Obligor under this Agreement are insured under a reimbursement insurance policy. If the Obligor fails to pay or provide service on a claim within sixty (60) days after proof of loss has been filed, the Agreement Holder is entitled to make a claim directly against the insurance company referenced in OBLIGATIONS section of this Agreement. This Agreement is amended to include: This Agreement does NOT provide coverage for any of the following parts or services: Repair or replacement of a covered component/part to correct conditions that may reasonably be assumed to have existed at the inception date of the coverage provided by this Agreement (pre-existing conditions) and Incidental or consequential damages, except as expressly provided otherwise in this Agreement, including personal injury, physical damage, loss of use, loss of time, storage charges, inconvenience, and commercial loss. This Agreement is amended to include: At the sole discretion of the Administrator, replacement may be made with new, remanufactured, non-OEM or used parts, which are of a like kind and quality comparable with the original design specifications and wear tolerances of Your Vehicle.

NORTH CAROLINA: CANCELLATION section is modified as follows: a fifty-dollar ($50.00) cancellation fee or ten percent (10%) of the pro- rata refund amount, whichever is less, is applicable. We may only cancel this Agreement for non-payment of the Agreement Purchase Price or for a direct violation of the Agreement by You.

OKLAHOMA: CANCELLATION section is modified as follows: You may cancel this Agreement by submitting a written request to the Administrator or Seller containing a copy of Your Agreement. If You cancel during the first thirty (30) days from the Agreement Purchase Date, and no claim has been authorized or paid, We or the Seller will refund You one hundred percent (100%) of the Agreement Purchase Price. After the first thirty (30) days from the Agreement Purchase Date, or if a claim was made within the first thirty (30) days, We or the Seller shall provide a refund of one hundred percent (100%)of the unearned pro-rata premium, less the cost of service provided under this Agreement and less a cancellation fee of 10% of the unearned pro rata premium or fifty dollars ($50.00), whichever is less. If a refund is owed, the refund will be paid or credited within thirty

(30) days from the date the Obligor or Seller receive notice of cancellation from the Agreement Holder. We may cancel this Agreement during the first thirty (30) days of the Agreement Purchase Date for any reason. After thirty

(30) days, We may cancel this Agreement for material misrepresentation or fraud at time of sale or for non-payment of Agreement Purchase Price. If We cancel this Agreement, We or the Seller will refund You one hundred percent (100%) of the Agreement Purchase Price, less the cost of service provided under this Agreement. If Your Agreement is financed, the lienholder has the right to receive any portion of the cancellation refund amounts. If Your Vehicle is repossessed, stolen, or declared a total loss, You authorize the lienholder to cancel this Agreement. Oklahoma service warranty statutes do not apply to Commercial Use references in service warranty Agreements. Coverage afforded under this Agreement is not guaranteed by the Oklahoma Insurance Guaranty Association. Oklahoma Service Warranty License# 44194686. The ARBITRATION section is amended as follows: While arbitration is mandatory, the outcome of any arbitration shall be non- binding on the parties, and either party shall, following arbitration, have the right to reject the arbitration award and bring suit in a district court of Oklahoma.

OREGON: If You have any questions regarding this Agreement, or a complaint against the Obligor, You may contact the Oregon Department of Consumer & Business Services, Division of Financial Regulation, Consumer Advocacy Unit at 350 Winter Street NE, Room 300, Salem, Oregon 97301, (888) 877-4894. For reimbursements for EMERGENCY REPAIRS please call Our Claims Department at (800) 242-7316 on the next normal business day during business hours for instructions. ROADSIDE ASSISTANCE is amended by deleting the following from the list of non-included benefits: Coverage shall not be provided in the event of emergencies resulting from the use of intoxicants or narcotics, or the use of the Vehicle in the commission of a felony. The ARBITRATION section is not applicable for Oregon. Any arbitration must be by mutual agreement and conducted under local rules as required under ORS Chapter 36.

RHODE ISLAND: Section 31-5.4 of Rhode Island General Business Law requires an automobile dealer to provide a warranty covering certain classes of used motor vehicles as follows: Used vehicles with 36,000 miles or less at the time of sale; Provides coverage for ninety (90) days or 4,000 miles, whichever occurs first. Used vehicles with more than 36,000 miles but less than 100,000 miles at the time of sale Provides coverage for thirty (30) days or 1,000 miles, whichever occurs first. The Vehicle You have purchased may be covered by this law. If so, the following is added to this Agreement: In addition to the dealer warranty required by this law, You have elected to purchase this Agreement, which may provide You with additional protection during the dealer warranty period and provides protection after the dealer warranty has expired. You have been charged separately only for this Agreement. The required dealer warranty is provided free of charge. Furthermore, the definitions, Coverages and exclusions stated in this Agreement apply only to this Agreement and are not the terms of the required dealer warranty.

SOUTH CAROLINA: CANCELLATION section is modified as follows: A ten percent (10%) penalty per month shall be added to a refund that is not made within forty-five (45) days of return of this Agreement to Us. If We cancel this Agreement for any reason, We will mail written notice to You at least fifteen (15) days prior to cancellation by Us. The notice of cancellation will state the effective date and reason for the cancellation. The lienholder, if any, will be named on a cancellation refund check as their interest may appear. If You have any questions regarding this Agreement, or a complaint against Us, You may contact the South Carolina Department of Insurance, Capital Center, 1201 Main Street, Ste. 1000, Columbia, South Carolina 29201 or by phone at (800) 768-3467.

TEXAS: CANCELLATION section is modified as follows: If the Agreement Holder cancels this Agreement before the thirty- first (31) day of the Agreement Purchase Date, the Agreement Holder will receive a full refund of the total Agreement Purchase Price. If a claim has been incurred before the thirty-first (31) day, the Agreement Holder shall receive a full refund of the Agreement Purchase Price less claims paid. If the Agreement Holder cancels this Agreement after the thirty-first (31) day, The Agreement Holder will receive a pro-rata refund of the total Agreement Purchase Price, based on the days in force compared to the total Agreement Term, less claims paid and the applicable cancellation fee in the amount of fifty dollars ($50.00). The Term of this Agreement for cancellation purposes will be based on the Vehicle Purchase Date. If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receive notice of cancellation from the Agreement Holder. A ten percent (10%) penalty per month shall be added to a refund that is not made within forty- five (45) days after return of the Agreement to Us. If We cancel this Agreement for any reason other than non-payment of the Agreement Purchase Price or material misrepresentation by You to Us, We shall mail a written notice of cancellation to You at the last known address before the fifth (5th) day preceding the effective date of cancellation. The notice will state the effective date of cancellation and the reason for cancellation. If a covered claim is not paid or a refund not provided within forty-five (45) days after You have filed proof of loss with Us, You may contact or file a claim directly with the insurance company listed in the Obligations section of this Agreement. If You have any questions regarding the regulation of this Agreement or a complaint against Us, You may contact the Texas Department of Licensing and Regulation at 920 Colorado, Austin, Texas 78701 or P.O. Box 12157, Austin, Texas 78711, (800) 803-9202. Service Contract Provider License #665.

UTAH: The DEFINITIONS section is amended as follows: Administrator: LOTSOLUTIONS, INC. 10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256 (844) 241- 5518. Obligor, We, Us, Our: Auto Knight Motor Club, Inc. 10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256 (844) 241-5518. CANCELLATION section is modified as follows: This Agreement may only be canceled by Us on grounds of: (1) material misrepresentation; (2) substantial change in risk; or (3) substantial breaches of contractual duties, conditions, or warranties. In general, if We cancel this Agreement, We will mail to You written notice of cancellation at least thirty (30) days before the cancellation date. However, if We cancel this Agreement within the first sixty (60) days after the Agreement Purchase Date or if We cancel this Agreement because You have defaulted in Your obligation to repay the amount financed by the lienholder, We will mail to You written notice of cancellation at least ten (10) days before the cancellation date. Coverage provided under this Agreement is not guaranteed by the Property and Casualty Guarantee Association. This Agreement or warranty is subject limited regulation by the Utah Insurance Department. To file a complaint, contact the Utah Insurance Department. If You are in need of emergency repairs and are unable to contact Us for prior authorization, then You may take Your Vehicle to any state licensed Repair Facility to have the repairs performed prior to authorization by Us. In such a case, You must contact Us as soon as possible to open a claim file. Failure to obtain prior authorization from Us prior to the performance of a repair will not invalidate a covered claim if You show that it was not reasonably possible to do so. Additionally, failure to furnish Us with copies of repair orders and other requested receipts or documents within thirty (30) days of the repair will not invalidate a covered claim if You show that it was not reasonably possible to do so. OBLIGATIONS is revised as follows: Obligations under this Agreement are insured under an insurance policy issued by Lyndon Southern Insurance Company 10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256, Tel: (800) 888-2738. In the event the Obligor fails to pay an any claim within sixty (60) days, or if the Obligor becomes insolvent or ceases to conduct business during the Term of this Agreement, You may file a direct claim with the insurer as designated above. To do so, please call the following number for instructions: (800) 888-2738. The ARBITRATION section is amended as follows: Any matter in dispute between You and Obligor may be subject to arbitration as an alternative to court action pursuant to the rules of (The American Arbitration Association or other recognized arbitrator), a copy of which is available on request from Obligor. Any decision reached by arbitration shall be binding upon both You and Obligor. The arbitration award may include attorney's fees, if allowed by state law, and may be entered as a judgment in any court of proper jurisdiction. The arbitrator shall be prohibited from awarding punitive, consequential, special, incidental, and exemplary damages. The arbitrator may award a party only its actual damages and the arbitrator may award equitable relief including injunctive relief. An arbitration award may not be set aside in later litigation except upon the limited circumstances set forth in the Federal Arbitration Act, 9 U.S.C. §1 et Seq. An award in arbitration will be enforceable under the Federal Arbitration Act by any court having jurisdiction.

VERMONT: CANCELLATION section is modified as follows: We may only cancel this Agreement for fraud or material misrepresentation affecting the Agreement or the presentation of a claim there under, non-payment of the Agreement Purchase Price, or violation of any of the terms or conditions of the Agreement. If We cancel this Agreement for non-payment, We will provide a written notice within fifteen (15) days of the cancellation date. If We cancel this Agreement for any other reason, We will provide a written notice with the reason for cancellation by certified mail within forty- five (45) days' notice of the cancellation date.

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

WASHINGTON: CANCELLATION section is modified as follows: How You May Cancel This Agreement: You may cancel this Agreement by surrendering Your copy of this Agreement with written notice to the Seller or directly to Us. Written notice shall contain an odometer statement indicating the odometer reading at the date of the request for cancellation. If You cancel this Agreement within the first thirty (30) days and no claims have been filed, We will refund the entire Agreement Purchase Price. A ten percent (10%) penalty shall be added to any refund that is not paid or credited within thirty (30) days after return of this Agreement to the Administrator or to Us. If this Agreement is canceled after the first thirty (30) days or a claim has been filed, We will refund the unearned Agreement Purchase Price to You calculated on a pro-rata basis. The refund will be equal to the lesser amount produced using either the number of days the Agreement was in force or the number of miles the Vehicle was driven prior to cancellation, less a cancellation fee of twenty-five dollars ($25.00). Claims paid will not be deducted from Your cancellation refund amount. If a refund is owed, the refund will be paid or credited within thirty (30) days from the date the Obligor or Seller receive notice of cancellation from the Agreement Holder. In the event of cancellation, the lienholder identified on the Schedule/Registration Page, if any, will be named on a cancellation refund check as its interest may appear. If the Vehicle and this Agreement have been financed, the lienholder shown on the Schedule/Registration Page may cancel this Agreement for non-payment or if the Vehicle is declared a total loss or is repossessed. This right of cancellation does not confer ownership of this Agreement to the lienholder or otherwise entitle the lienholder to performance under this Agreement. Our Right To Cancel This Agreement: We may cancel this Agreement based on one or more of the following reasons: (1) non- payment of the Agreement Purchase Price; (2) a material misrepresentation made by You; or (3) a substantial breach of duties by You under the Agreement relating to the Vehicle or its use. If this Agreement is canceled by Us within thirty (30) days of the Agreement Purchase Date, a full refund of the total Agreement Purchase Price will be issued. If this Agreement is cancelled by Us after thirty (30) days, a pro-rata refund of the total Agreement Purchase Price based on the greater of the days in force or the miles driven compared to the total Agreement Term will be issued. In the event of cancellation, the lienholder identified on the Schedule/Registration Page, if any, will be named on a cancellation refund check as its interest may appear. Written notice of such cancellation shall include the effective date and actual reason for cancellation and shall be mailed or delivered to You not less than twenty-one (21) days prior to the effective date of cancellation, where such cancellation is for non-payment of the Agreement Purchase Price, or not less than forty-five (45) days prior to the effective date of cancellation, where such cancellation is for any other reason. We have only sixty (60) days from the date of the sale of the Agreement to the Agreement Holder to determine whether or not the Vehicle qualifies for the program. Except as set forth above, after sixty (60) days the Vehicle qualifies for the issued Agreement and the Obligor may not cancel the Agreement and is fully obligated under the terms of the Agreement sold to the Agreement Holder. If We cancel this Agreement and a refund is owed, the refund will be paid or credited within thirty (30) days from the effective date of the cancellation. Our performance under this Agreement is insured by an insurance policy issued to Us by the insurance company listed in the OBLIGATIONS section of this Agreement (Policy No. AKMC-WA). You are entitled to apply directly to the reimbursement insurance company for payment or performance due under this Agreement. If You cancel this Agreement, You may apply for a refund with the insurance company. The warranty of merchantability on the Vehicle is not waived if the Agreement was purchased within ninety (90) days of the purchase date of the Vehicle, and the provider or service contract seller also sold the covered Vehicle. The state of Washington is the jurisdiction for any civil action in connection with this Agreement. The Warranty of merchantability on the Vehicle is not waived if the Agreement was purchased within ninety (90) days of the purchase date of the Vehicle, and the provider or the service contract seller also sold the covered Vehicle. If You are in need of emergency repairs and are unable to contact Us for prior authorization, then You may take Your Vehicle to any Repair Facility to have the repairs performed prior to authorization by Us. In such a case, You must contact Us as soon as possible to open a claim file. Failure to obtain prior authorization from Us prior to the performance of a repair will not invalidate a covered claim if You show that it was not reasonably possible to do so. Additionally, failure to furnish Us with copies of repair orders and other requested receipts or documents within thirty (30) days of the repair will not invalidate a covered claim if You show that it was not reasonably possible to do so. The ARBITRATION section is amended to add the following: The Insurance Commissioner of Washington is the Service Provider's attorney to receive service of process in any action, suit or proceeding in any court, and the state of Washington has jurisdiction of any civil action in connection with this Agreement. Arbitration proceedings shall be held at a location in closest proximity to the service Agreement Holder's permanent residence.

WEST VIRGINIA: CANCELLATION section is modified as follows: The cancellation fee does not apply in West Virginia. If a covered Claim is not paid within fifteen (15) working days from the agreed upon settlement, You may file a claim directly with the insurance company listed in the OBLIGATIONS section of this Agreement. The ARBITRATION section is amended as follows: If both parties agree to arbitrate, each party will select an arbitrator. The two arbitrators will select a third arbitrator. If they cannot agree upon the selection of a third arbitrator within thirty (30) days, both parties must request that selection of a third arbitrator be made by a judge of a court having jurisdiction. Local rules of law as to procedure and evidence will apply. Payment of the arbitrator's fee shall be made by Us if coverage is found to exist. If coverage is not found, each party will: (a) pay its chosen arbitrator; and (b) bear the other expenses of the arbitrator equally.

WISCONSIN: OBLIGATIONS section is modified as follows: In Wisconsin, obligations under this Agreement are insured under an insurance policy issued by Blue Ridge Indemnity Company, [10751 Deerwood Park Blvd., Ste. 200, Jacksonville, FL 32256], Tel: [(800) 888-2738.] CANCELLATION section is modified as follows: The Agreement Holder may cancel this Agreement for any reason within thirty (30) days of the Agreement Purchase Date, or thirty (30) days from mailing if the Agreement is provided to You by mail, and receive a full refund of the total Agreement Purchase price, less any claims paid or made. The Agreement Holder may cancel this Agreement for any reason after thirty (30) days and receive a pro-rata refund of the total Agreement purchase price less the cancellation fee. The cancellation fee may not exceed the lessor of fifty ($50) dollars or 10% of the amount paid by the Agreement Holder. A 10% penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after return of the Agreement to the Obligor or Administrator. We may only cancel this Agreement for non-payment of the Agreement Purchase Price, material misrepresentation by You to the Obligor or Administrator, or substantial breach of duties by You relating to the Vehicle or its use. We will mail a written notice to You at the last-known address that We have on record at least five (5) days prior to cancellation by Us. The written notice will state the effective date of the cancellation and the reason for the cancellation. If We cancel this Agreement within thirty (30) days of the Agreement Purchase Date, a full refund of the total Agreement Purchase price will be issued. At any other time We will refund 100% of the unearned pro-rata Agreement Purchase Price, based on the greater of the days in force or the miles driven compared to the total Agreement term will be issued, less any claims paid. In the event of a total loss within thirty (30) days of the Agreement Purchase Date of property covered by the Agreement that is not covered by a replacement of the property pursuant to the terms of the Agreement, an Agreement Holder shall be entitled to cancel the Agreement and receive a full refund of the total Agreement Purchase price, less any claims paid. In the event of a total loss after thirty (30) days of the Agreement Purchase Date of property covered by an Agreement that is not covered by a replacement of the property pursuant to the terms of the Agreement, an Agreement Holder shall be entitled to cancel the Agreement and receive a pro rata refund of any unearned provider fee less any claims paid. If a covered claim is not paid within sixty (60) days after an Agreement Holder provides proof of loss, or if the Obligor becomes insolvent or otherwise financially impaired, the Agreement Holder may file a claim directly with the insurance company, listed in the OBLIGATIONS section of this Agreement, for reimbursement, payment, or provision of the service. You may file a claim directly with the insurance company. In the state of Wisconsin, preauthorization of repair work is required by Us. However, if extenuating circumstances prevent You from obtaining preauthorization, We will not deny a claim based solely on the lack of preauthorization. We have the right to subrogation collections, but only after You have been made whole and are fully compensated for damages. THIS AGREEMENT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.

WYOMING: CANCELLATION section is modified as follows: If a full refund is due to You under this Agreement, a ten percent (10%) penalty per month will be added to the refund if it is not made within forty-five (45) days of return of this Agreement to Us. The Obligor of the Agreement shall mail a written notice to the Agreement Holder at the last known address of the Agreement Holder in the records of the provider at least ten (10) days prior to cancellation by the Obligor. Prior notice is not required if the reason for cancellation is non-payment of the Agreement Purchase Price, a material misrepresentation by the Agreement Holder to the Obligor or a substantial breach of duties by the Agreement Holder relating to the Vehicle or its use. The notice shall state the effective date of the cancellation and the reason for cancellation. The ARBITRATION is deleted in its entirety. TO TRANSFER THIS AGREEMENT, COMPLETE THE FOLLOWING AND MAIL IT ALONG WITH A PHOTOCOPY OF THE FRONT

OF THIS AGREEMENT TO: THE ADMINISTRATOR. Please transfer the remainder of the Agreement. I am transferring this Agreement in accordance with the provisions stated in the Agreement. In order to transfer I am enclosing with this Application a check or money-order payable to: Administrator (If applicable) Name of New Owner: Date of Transfer: Address: City, State, Zip Odometer Mileage on Date of Transfer: Signature of Vehicle Purchaser: Signature of Vehicle Seller: Verification that the Vehicle has been maintained as required by this Agreement must be supplied by the Vehicle seller to the Vehicle purchaser. Transfer will be valid when Vehicle purchaser receives a confirmation letter from Administrator.