Nordik Care^TM

Thank you for purchasing an extended protection plan for your product. The terms below explain what is covered, what is not covered, how to get service, and other important details.

TABLE OF CONTENTS

1. Plan Introduction

2. Your Responsibilities

3. Definitions

4. What is Covered

5. What is Not Covered

6. How to File a Claim

7. Service Procedures and Limit of Liability

8. Cancellation

9. Conditions

10. Legal Disclosures

11. State Requirements and Disclosures

1. PLAN INTRODUCTION

1.1. Welcome to the Nordik Recovery USA Consumer Product Protection Plan. This document outlines the scope of your Plan, including coverage, claims instructions, and cancellation rules. If you have questions, contact us at julien@jmagency.ca or 8888667345. For claims, see Section 6, How to File a Claim.

2. YOUR RESPONSIBILITIES

2.1. Please read these terms in full so you understand what this Plan provides. Certain limits, conditions, duties, and exclusions apply to keep this Plan affordable and manageable.

2.2. You must care for the Covered Product in line with the manufacturer’s guidance and any owner’s manual. This Plan is a service contract, not insurance.

2.3. Keep a copy of this Plan and your Purchase Confirmation, as service may require them. Your Purchase Confirmation lists the Contract Term, Coverage Type, and other details that may affect your coverage.

3. DEFINITIONS

3.1. Administrator: Nordik Recovery USA, Nordik Recovery USA, 8 The Green, 8 The Green, Dover, Delaware, 19901, 8888667345, email: julien@jmagency.ca.

3.2. Contract Term: the total duration of this Plan, as shown on your Purchase Confirmation.

3.3. Coverage Term: the period during which the Covered Product is eligible for service under this Plan. The Coverage Term begins on the later of, i, expiration of the manufacturer or retailer warranty, ii, the Plan purchase date shown on your Purchase Confirmation, or iii, the end of any applicable Waiting Period, and ends when the Contract Term expires or when our obligations end under these terms, whichever occurs first.

3.4. Coverage Type: the level of coverage shown in the What’s Included in Your Plan section of your Purchase Confirmation. Certain enhanced options are described in Section 4.2.

3.5. Covered Product: the item identified on your Purchase Confirmation. A Covered Product can include multiple eligible items sold under one SKU or as a bundle.

3.6. Deductible: any per claim deductible applicable to your Plan, as indicated on your Purchase Confirmation.

3.7. Nordik Recovery USA, Our, Us, or We: the obligor responsible for performing under this Plan, which may also sell this Plan.

3.8. Obligor: Nordik Recovery USA.

3.9. Plan: this service contract between you and us, including your Purchase Confirmation.

3.10. Plan Price: the amount you paid for this Plan, shown on your Purchase Confirmation.

3.11. Purchase Confirmation: the confirmation provided by us or the Selling Retailer, including any linked or displayed Plan information on your receipt or your account order history on our website.

3.12. Purchase Price: the amount you paid for the Covered Product, excluding sales tax, delivery, installation, and handling, as shown on your Purchase Confirmation.

3.13. Selling Retailer: the entity that sold you the Covered Product and this Plan, as shown on your Purchase Confirmation.

3.14. You, Your, or Purchaser: the purchaser named on the Purchase Confirmation, and any authorized transferee or assignee of that purchaser.

3.15. Waiting Period: the time between the Plan purchase date and the start of the Coverage Term. IF YOU PURCHASE THIS PLAN AFTER THE COVERED PRODUCT’S DELIVERY DATE, OR IF THE COVERED PRODUCT DOES NOT INCLUDE A MANUFACTURER OR RETAILER WARRANTY, THE COVERAGE TERM WILL BEGIN AS DESCRIBED IN SECTION 3.3 AFTER A THIRTY, 30, DAY WAITING PERIOD. Claims made before or during the Waiting Period involve pre existing conditions and are not covered.

4. WHAT IS COVERED

4.1. This Plan provides coverage for mechanical or electrical failures arising from defects in materials or workmanship during normal use within the Coverage Term. Power surge damage is covered if the product was properly connected to a surge protector. This Plan does not cover issues already covered by a manufacturer warranty, a Selling Retailer warranty, a maintenance plan, or an insurance policy. Failures due to pre existing conditions are not covered.

4.2. ENHANCED COVERAGE, if purchased and reflected on your Purchase Confirmation:

4.2.1. Battery: one, 1, battery repair or one, 1, replacement if a rechargeable battery included with the Covered Product fails due to defects in materials or workmanship during the Coverage Term.

4.2.2. Commercial: coverage for commercial grade products, including electronics, major appliances, office equipment, and small appliances used in non residential settings.

4.2.3. Used: coverage for previously owned, refurbished, repaired, or remanufactured items, or any product not new at purchase.

4.2.4. Wear and Tear: coverage for breakdown due to ordinary use.

4.2.5. Loss or Theft: coverage if the Covered Product is lost or stolen during the Coverage Term.

4.2.6. Accidental Damage: coverage for sudden, unexpected physical damage from an external event, not ordinary wear and tear.

4.3. CATEGORY SPECIFIC COVERAGE:

4.3.1. Major Appliances: reimbursement for food spoilage caused by a covered refrigerator or freezer failure, up to 250.00 dollars per incident, with documented proof of loss.

5. WHAT IS NOT COVERED

5.1. Unless expressly included in Section 4, the following are not covered.

5.2. ALL PRODUCT CATEGORIES

5.2.1. products that lacked a manufacturer or Selling Retailer warranty, or had less than a 30 day original parts or labor warranty, unless a Waiting Period applies,

5.2.2. accidental damage,

5.2.3. issues covered, or that should be covered, by any manufacturer or Selling Retailer warranty, insurance policy, recall, or similar obligation, regardless of the manufacturer’s or retailer’s ability to pay,

5.2.4. damage, costs, or problems related to any improper, custom, or incorrect installation or reinstallation,

5.2.5. any pre existing condition that began before the Coverage Term and caused a failure, and any used product sold without used coverage or sold as is, including floor models, demos, pre owned, rental,

5.2.6. consumables or parts expected to wear out with normal use unless tied to a covered failure, including batteries, bulbs, projection lamps,

5.2.7. damage from abnormal use, misuse, abuse, mishandling, neglect, improper operation, foreign objects, unauthorized modifications or alterations, or altered or missing serial numbers,

5.2.8. damage or failure from not following the manufacturer’s instructions for use, care, storage, cleaning, periodic checks, or preventive maintenance,

5.2.9. external causes, including third party acts, fire, theft, insects, animals, weather, wind, sand, dirt, hail, earthquake, flood, water, acts of God, or similar consequential loss,

5.2.10. loss or damage due to crime, invasion, riot, strike, labor disturbance, lockout, or civil commotion,

5.2.11. theft, mysterious disappearance, misplacement, reckless, abusive, willful, or intentional conduct,

5.2.12. injury to persons, damage to other property, incidental or consequential damages, or losses from delays in service, loss of use, or voiding of manufacturer or retailer warranties,

5.2.13. products bought for, or used at any time for, commercial or rental purposes unless commercial coverage was purchased,

5.2.14. service or replacement outside the 50 United States and the District of Columbia,

5.2.15. non functional, cosmetic, or external parts such as trim, plastics, knobs, rollers, baskets, glass, housings, insulation, conduit, handles, shelves,

5.2.16. cosmetic damage like nicks, scratches, peeling, dents,

5.2.17. unauthorized repairs or parts, damage from unauthorized service, improper attachments, improper repairs, or shipping damage,

5.2.18. separately purchased accessories used with the Covered Product,

5.2.19. noises or situations where no defect is found,

5.2.20. software, applications, operating systems, data loss or restoration,

5.2.21. adjustments to frequency or channel range, tuning to receive a station or service, changes due to external power or water supply, connectors, reception, or normal signal,

5.2.22. replacement or repair of upgraded computer components when incompatibility of parts drives the repair,

5.2.23. failures not reported within the Coverage Term.

5.3. CATEGORY SPECIFIC EXCLUSIONS

5.3.1. Electronics:

5.3.1.1. overheating caused by vermin or blocked fans,

5.3.1.2. any storage media damaged by failing components,

5.3.1.3. corruption of programs, data, or setup information on internal or external storage due to malfunction or repair, and damage from refilled ink or toner, or cables,

5.3.1.4. drone loss or damage due to lack of reasonable care, including skipping pre flight checks or tutorials, failing to charge or secure batteries, flying beyond line of sight, indoor flight, intentional crashes, reckless flight, or racing,

5.3.1.5. drone flight during unsafe weather likely to cause a crash, high wind, rain, snow, disasters,

5.3.1.6. flyaway or lost drones.

5.3.2. Major Appliances:

5.3.2.1. installed accessory items such as gas or electric connectors,

5.3.2.2. installation, setup, diagnostics, disconnect, haul away, or disposal costs.

5.3.3. Power Tools:

5.3.3.1. tune ups, damage from improper fuels, oils, or lubricants, alteration or removal of parts, cutting blades, varnish, sludge, contaminants, fuel and ignition adjustments,

5.3.3.2. repairs due to normal vibration, routine maintenance, fuses, filters, consumables, exterior power cords, cosmetic adjustments, case separation or cracking, paint changes, corrosion, rust,

5.3.3.3. grinding valves to increase compression, oil consumption, stuck rings, shipping or freight, burned or tuliped valves, adhesives, shop supplies, environmental or miscellaneous charges, corrosion, electrolysis, salt, inadequate storage, loss or damage to optional equipment.

5.3.4. Vehicle Batteries:

5.3.4.1. leakage, or batteries that are only discharged,

5.3.4.2. batteries used for rideshare or commercial use, or in trucks over one ton,

5.3.4.3. labor, installation, taxes, or fees to remove, replace, and dispose of the battery.

5.3.5. Vehicle Parts:

5.3.5.1. accident or collision damage,

5.3.5.2. damage caused by a non covered component,

5.3.5.3. labor, installation, taxes, or fees to remove, replace, and dispose of parts,

5.3.5.4. damage to any Covered Product installed on vehicles used for marine, off road, or racing, unless designed for that use by the manufacturer, covered by manufacturer or retailer warranty, and that warranty has expired.

6. HOW TO FILE A CLAIM

6.1. Follow all steps in this section to be eligible for service. Failure to follow these steps may result in denial of a claim.

6.2. We will determine eligibility based on this Plan, the information you provide, and, when applicable, findings from an authorized technician. If the technician’s findings differ from your report, coverage may be declined.

6.3. Contact the Administrator for instructions. Email julien@jmagency.ca, visit nordikrecovery.store, or call during normal business hours.

6.4. Do not return the Covered Product to the Selling Retailer or seek unauthorized service unless instructed by the Administrator. Damage or failures resulting from unauthorized service are not covered, except as noted in Section 7.1.2.

7. SERVICE PROCEDURES AND LIMIT OF LIABILITY

Depending on the product and circumstances, at our discretion we will do one of the following:

7.1. Repair the Covered Product, on site, mail in, or local repair at our discretion,

7.1.1. Except for emergency repairs described below, you must obtain authorization from the Administrator before work is performed, or your claim may be denied. If you refuse service after a servicer has been dispatched, you may be charged a trip fee.

7.1.2. If an emergency occurs after normal business hours and we cannot be reached, you may proceed with repairs. If the issue is covered, we will reimburse you or the service vendor up to the Limit of Liability, subject to Plan terms. You must submit receipts and documentation within 48 hours of the emergency.

7.1.3. If applicable, back up your data before service. Repairs may result in loss of data.

7.1.4. COSTS FOR NON COVERED REPAIRS, TRIP CHARGES, INSPECTIONS, OR ESTIMATES ARE YOUR RESPONSIBILITY.

7.2. Replace the Covered Product with an item of like kind, quality, and functionality,

7.2.1. If repair is not feasible, we may replace the product or part with a new or refurbished unit, at our discretion, up to the Limit of Liability. If a single SKU includes multiple items, we may replace only the affected item. The replacement may be a current or future version of your original product or part. If replacement is not reasonably available, see Section 7.3.

7.3. Provide a financial credit or settlement, such as a store credit or gift card, based on the original Purchase Price, not to exceed the Limit of Liability,

7.3.1. We determine the amount based on damage type, product age, and Purchase Price less any claim costs, not exceeding the Limit of Liability. You should redeem the settlement within a reasonable period, not to exceed ninety, 90, days after notice. Acceptance of a settlement completes our obligations for that Covered Product.

7.4. Limit of Liability, the most we will pay in total for all claims during the Coverage Term is the Purchase Price.

7.5. Expiration, this Plan ends on the earliest of, i, expiration of the Coverage Term, ii, replacement of the Covered Product, iii, issuance of a settlement in lieu of replacement, or iv, when the Limit of Liability is reached.

8. CANCELLATION

8.1. You may cancel at any time by contacting the Administrator at 8888667345, mailing notice to Nordik Recovery USA, 8 The Green, 8 The Green, Dover, Delaware, 19901, visiting nordikrecovery.store/contact, or emailing julien@jmagency.ca. If you cancel within sixty, 60, days of purchase and no claim has been made, you receive a 100 percent refund of the Plan Price. Otherwise, you receive a pro rata refund based on elapsed Coverage Term, less paid claims and an administrative fee not to exceed the Plan Price or 50 dollars, whichever is less.

8.2. If you cancel within sixty, 60, days and no claim has been made, a ten percent monthly penalty applies for each month a refund is unpaid more than thirty, 30, days after your cancellation notice.

8.3. We may cancel for fraud, material misrepresentation, omission, substantial breach of your duties, non payment, or if required by a regulator. You will receive a pro rata refund based on elapsed Coverage Term, less paid claims.

8.4. If this Plan was sold in a jurisdiction where it is not available, or for a product not intended to be covered, we will cancel and refund the full Plan Price, less any paid claims.

9. CONDITIONS

9.1. Renewal, renewal is at our discretion.

9.2. Transferability, this Plan is not transferable by the original Purchaser. Manufacturer warranties may also be non transferable. This Plan does not replace the manufacturer or retailer warranty except as stated here.

9.3. Territories, this Plan is offered only in the 50 United States and the District of Columbia. It is not available in Canada or United States territories.

9.4. Subrogation, if we pay for a loss, we may require you to assign your recovery rights to us. We will not pay for a loss if you impair those rights. You will be made whole before we retain any recovered amount.

10. LEGAL DISCLOSURES

10.1. DISPUTE RESOLUTION, ARBITRATION AGREEMENT, AND CLASS ACTION WAIVER, To the extent permitted by law, any individual claim or dispute arising from or relating to this Plan, whether based on contract, tort, statute, regulation, ordinance, equity, or otherwise, and whether against the Administrator, the Obligor, or the Selling Retailer, will be resolved by binding arbitration before a single neutral arbitrator, unless prohibited or modified by state law in Section 11. Arbitration will proceed on an individual basis only, and you waive participation in class actions or class arbitrations. To start arbitration, notify the Administrator in writing and provide at least three proposed arbitrators. The Administrator may evaluate neutrality and select one of the proposed arbitrators, or request additional candidates if neutrality is not met. The arbitrator will establish procedures and rules for the proceeding. You agree to follow the arbitrator’s decision and share arbitration costs equally unless directed otherwise. If this provision conflicts with state law, the state’s arbitration rules control.

10.2. Entire Agreement, this Plan and your Purchase Confirmation comprise the entire agreement regarding your coverage. Marketing or verbal statements outside of these documents have no effect.

10.3. Severability, any provision that conflicts with applicable law is void only to the extent of the conflict, and the remainder stays in force.

10.4. Payment Limitations, our obligations are subject to applicable law, including export controls and economic sanctions administered by OFAC. We will not make any payment that would violate any governing order, guidance, or instruction.

11. STATE REQUIREMENTS AND DISCLOSURES

Colorado, the Cancellation Provision is modified so that the administrative fee will not exceed ten percent, 10%, of the gross Plan Price or 50 dollars, whichever is less. If we cancel, we will send written notice at least five, 5, days before cancellation to your last known address or email, stating the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach.

Connecticut, if this Plan is for less than one, 1, year, the Plan is automatically extended while the Covered Product is in our possession for a covered repair. Unresolved disputes may be submitted to the Consumer Affairs Division of the Connecticut Insurance Department, PO Box 816, Hartford, CT 06142 0816. You may use the Insurance Commissioner’s arbitration process for disputes arising under this Plan.

District of Columbia, the Cancellation Provision is modified so the administrative fee will not exceed ten percent, 10%, of the gross Plan Price or 50 dollars, whichever is less. If we cancel, we will provide written notice at least five, 5, days prior to cancellation to your last known address or email, with the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach.

Florida, the Cancellation Provision is modified so the administrative fee will not exceed ten percent, 10%, of the unearned pro rata Plan Price or 50 dollars, whichever is less. The rate for this Plan is not regulated by the Office of Insurance Regulation.

Georgia, the Cancellation Provision is modified as follows, if you cancel within sixty, 60, days, we refund the Plan Price less claims paid. After sixty, 60, days, we refund the pro rata Plan Price based on elapsed time, less claims paid, and an administrative fee not exceeding 10 percent of the unearned pro rata Plan Price, or 50 dollars, whichever is less. If you cancel within sixty, 60, days and no refund is issued within thirty, 30, days, a ten percent monthly penalty applies. We may cancel for fraud, material misrepresentation, or nonpayment. If we cancel, we will give at least thirty, 30, days written notice to your last known address or email, stating the effective date and reason. Arbitration in Section 10.1 is non binding. In Section 5, What is Not Covered, item 5.2.5 is replaced with, all pre existing conditions known to you that begin before the Coverage Term and cause a failure, and any used product without used coverage or sold as is, including floor models, demos, pre owned, rental.

Hawaii, if we cancel, we will send written notice at least five, 5, days prior to cancellation to your last known address or email with the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach.

Idaho, we will provide a settlement only where service, repair, or replacement is not feasible or economical.

Illinois, the Cancellation Provision is modified so the administrative fee will not exceed ten percent, 10%, of the Plan Price or 50 dollars, whichever is less.

Iowa, if we cancel, we will send written notice at least fifteen, 15, days prior to cancellation to your last known address or email, stating the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach.

Maine, The Cancellation Provision is revised as follows: if you cancel within sixty, 60, days and no claim has been made, a monthly penalty of ten percent, 10%, of the unpaid refund applies for each month a refund is overdue more than thirty, 30, days after notice. The administrative fee will not exceed ten percent, 10%, of the Plan Price or 50 dollars, whichever is less. If we cancel, we will provide at least fifteen, 15, days written notice. Section 10.4 is modified, if we fail to pay or provide service, including a refund of any unearned Plan Price, within sixty, 60, days after proof of loss, you may make a direct claim against the insurer.

Maryland, if you cancel within sixty, 60, days and no claim has been made, a ten percent, 10%, penalty applies for each month a refund is overdue more than thirty, 30, days after notice. If we fail to perform services, this Plan is automatically extended until performance is completed as required by the Plan.

Massachusetts, if we cancel, we will provide written notice at least five, 5, days prior to cancellation to your last known address or email, stating the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach.

Michigan, for home appliances, if our performance is interrupted by a strike or work stoppage at our place of business, the Plan term is extended for the duration of that interruption.

Minnesota, if we cancel, we will provide written notice at least fifteen, 15, days prior to cancellation, or at least five, 5, days in cases of nonpayment, material misrepresentation, or substantial breach, sent to your last known address or email and stating the effective date and reason.

Mississippi, we will provide a settlement only where service, repair, or replacement is not feasible or economical.

Montana, if we cancel, we will provide written notice at least five, 5, days prior to cancellation to your last known address or email, stating the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach.

Nevada, if you cancel within sixty, 60, days and no claim has been made, a ten percent, 10%, penalty applies for each thirty day period or portion thereof that a refund is overdue more than thirty, 30, days after notice. If the Plan has been in effect for at least seventy, 70, days, we may not cancel before the end of the agreed term or one year after the effective date, whichever comes first, except for, a, failure to pay amounts due, b, the holder’s criminal conviction that increases required service, c, fraud or material misrepresentation in obtaining the Plan or presenting a claim, d, an act, omission, or violation by the holder after the effective date that substantially and materially increases the required service, or e, a material change in the required service after the effective date that substantially and materially increases service beyond what was contemplated at sale. If we cancel, we will send at least fifteen, 15, days written notice to your last known address or email stating the effective date and reason. Claims paid are not deducted from any refund. The administrative fee is replaced by a cancellation fee not to exceed the Plan Price or 25 dollars, whichever is less. For complaints, contact the Nevada Commissioner of Insurance at, 888, 872 3234.

New Hampshire, if you are not satisfied with the Plan, contact the New Hampshire Insurance Department, 21 South Fruit Street, Suite 14, Concord, NH 03301, phone, 800, 735 2964. The administrative fee in Section 8.1 will not exceed ten percent, 10%, of the Plan Price or 50 dollars, whichever is less. Claims paid are not deducted from refunds owed.

New Jersey, if we cancel, we will provide written notice at least five, 5, days prior to cancellation to your last known address or email, with the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach. If you cancel within sixty, 60, days and no claim has been made, we will pay a ten percent, 10%, monthly penalty based on the Plan Price for refunds overdue more than thirty, 30, days after notice. This service contract is not a guarantee or warranty as those terms are legally defined. It is a service contract, separate from any warranty given by the manufacturer, importer, or seller.

New Mexico, the administrative fee will not exceed ten percent, 10%, of the Plan Price or 50 dollars, whichever is less. If you cancel within sixty, 60, days and no claim has been made, a ten percent, 10%, monthly penalty applies for each thirty day period or portion thereof that a refund is overdue more than thirty, 30, days after notice. If the Plan has been in effect for at least seventy, 70, days, we may not cancel before the end of the agreed term or one year after the effective date, whichever occurs first, except for, 1, failure to pay, 2, conviction that increases required service, 3, fraud or material misrepresentation in obtaining the Plan or presenting a claim, or 4, after the effective date, an act, omission, or violation that substantially and materially increases the required service. If canceled, we will provide at least fifteen, 15, days written notice to your last known address or email, stating the effective date and reason. For claim handling concerns, contact the Office of Superintendent of Insurance at 1 855 427 5674.

New York, if we cancel, we will provide written notice at least fifteen, 15, days prior to cancellation to your last known address or email, stating the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach.

North Carolina, we may cancel only for nonpayment or a direct violation of the Plan by the consumer when the Plan states such a violation permits cancellation. The administrative fee will not exceed ten percent, 10%, of the pro rata refund or 50 dollars, whichever is less.

Oklahoma, Section 10.4 is modified so the administrative fee will not exceed ten percent, 10%, of the unearned pro rata Plan Price or 50 dollars, whichever is less. This is not an insurance contract. Coverage is not guaranteed by the Oklahoma Insurance Guaranty Association.

Oregon, Section 10.1 is replaced, arbitration may proceed only if both parties mutually agree. If so, arbitration is conducted under local rules consistent with ORS Chapter 36.

South Carolina, if we cancel, we will provide written notice at least fifteen, 15, days prior to cancellation to your last known address or email, stating the effective date and reason. Prior notice is not required for nonpayment, material misrepresentation, or substantial breach. For disputes, contact the South Carolina Department of Insurance, Capitol Center, 1201 Main Street, Suite 1000, Columbia, SC 29201, phone, 800 768 3467.

Tennessee, for a failure covered by the Plan, the term extends by the number of days you are without the product while in repair plus two additional working days.

Texas, Section 10.4 is modified, you may seek reimbursement directly from the insurer if a covered service is not provided within sixty, 60, days after proof of loss, or a refund or credit is not paid within forty six, 46, days after you cancel. The Cancellation Provision is modified as follows, if you cancel within sixty, 60, days, we refund the full Plan Price less claims paid. After sixty, 60, days, we refund the pro rata Plan Price based on elapsed time, less claims paid, and an administrative fee not to exceed the cost of this Plan or 50 dollars, whichever is less. If you cancel and a refund is overdue more than thirty, 30, days, a ten percent, 10%, monthly penalty applies. If we cancel, we will provide at least five, 5, days written notice to your last known address or email stating the effective date and reason. Prior notice is not required for nonpayment, fraud, material misrepresentation, or substantial breach. Unresolved complaints may be directed to the Texas Department of Licensing and Regulation, 920 Colorado Street, Austin, TX 78701, phone, 800, 735 2989.

Utah, Section 10.4 is modified, if we fail to pay or provide service on any claim within sixty, 60, days after proof of loss, or we cease to do business or enter bankruptcy, you may claim directly under our service contract reimbursement insurance policy. This Plan is subject to limited regulation by the Utah Insurance Department. Contact the Department to file a complaint. Coverage is not guaranteed by the Property and Casualty Guaranty Association. Purchase of this Plan is optional and not require

Virginia, If any promise made in the Plan has been denied or not 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, to file a complaint at www.vdacs.virginia.gov/food-extended-service-contract-providers.shtml.

Washington, The Arbitration provision (Section 10.1) is revised to state: Arbitration proceedings may be held at a location in closest proximity to Your permanent residence. The Cancellation Provision is revised to state: If We cancel this Plan, We will provide You with written notice at least twenty-one (21) days prior to cancellation. The notice will be sent to Your last known address or email address and shall state the effective date of and reason for cancellation.

Wisconsin, THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE. The Cancellation Provision is revised as follows: We may only cancel this Plan for nonpayment of the Plan Price, material misrepresentation by You to Us or the Administrator, or substantial breach of duties by You relating to the Covered Product or its use. If We cancel this Plan, We will provide You with written notice at least five (5) days prior to cancellation. The notice will be sent to Your last known address or email address and shall state the effective date of and reason for cancellation. If You cancel this Plan within sixty (60) days from the date of purchase, and if no claim has been made under the Plan, then We will pay a ten percent (10%) penalty of the refund amount outstanding for each month that a refund is not provided within thirty (30) days of Your notice of cancellation. The administrative fee shall not exceed ten percent (10%) of the Plan Price or $50, whichever is less. In the event of a total loss of property covered by a service contract that is not remedied by a replacement of the property under the terms of the contract, You are entitled to cancel the service contract and receive a pro-rata refund of any unearned Plan Price, less any claims paid. The Arbitration provision (Section 10.1) is revised to state that arbitration is non-binding.

Wyoming, The Arbitration provision (Section 10.1) is deleted in its entirety. The Cancellation Provision is revised to state: If We cancel this Plan, We will provide You with written notice at least ten (10) days before cancellation. The notice will be sent to Your last known address or email address and will state the effective date of and reason for cancellation. However, prior notice is not required if the reason for cancellation is Your nonpayment, material misrepresentation, or substantial breach of duties relating to the Covered Product or its use.