Bankers Warranty Group, Inc.

DEFINITIONS: “You” and “Your” indicates the purchaser of this service contract or the person to whom it was properly
transferred. “We”, “Us”, and “Our” indicate the Obligor/Provider/Administrator of this service contract. If You live in
AL, AZ, NV, UT or WY, BWG Protection Plans, Inc., 11101 Roosevelt Blvd. N, St. Petersburg, FL 33716is the
Obligor/Provider/Administrator of this service contract. If You live in HI or NY, BWG Protection Plans, 11101
Roosevelt Blvd. N, St. Petersburg, FL 33716 is the Obligor/Provider/Administrator of this service contract. If
You live in FL, Bankers Warranty Group of Florida, Inc., 11101 Roosevelt Blvd. N, St. Petersburg, FL 33716, is
the Obligor/Provider/Administrator of this service contract. In all other states Bankers Warranty Group Inc.,
11101 Roosevelt Blvd. N, St. Petersburg, FL 33716 is the Obligor/Provider/Administrator of this service
contract. “Service Contract” indicates the terms and conditions, limitations, exceptions and exclusions included
herein constitute the entire agreement. Rights under this Service Contract may vary from state to state.

TERM: The term of the Service Contract commences at the date indicated on the face of this Service Contract. If you
purchased a Service Contract that includes 4-Hour or 24-Hour On-Site Service or a Service Contract that includes
Accidental Damage Coverage, the term of the Service Contract commences on the date of purchase of the eligible
product, the term and coverage is inclusive of the manufacturer’s warranty. This Service Contract does not replace
the manufacturer’s warranty, but provides certain additional benefits during the term of the manufacturer’s warranty.
After the manufacturer’s warranty expires, this Service Contract continues to provide the manufacturer’s benefits as
well as certain additional benefits listed within this Service Contract. All other Service Contracts commence upon
expiration of the manufacturer’s original warranty, the term and coverage commence upon expiration of the shortest
portion of the manufacturer’s original warranty.

COVERAGE: Coverage begins at the same time as the term of the Service Contract, unless noted otherwise in the
sections below. This Service Contract provides coverage for Your eligible product for mechanical and electrical
failures that occur during normal use and operation in accordance with the manufacturer’s written specifications. This
Service Contract does not have a deductible.

Replacement Plan: If You purchased the Replacement Plan (including coverage for refurbished laptop
computers), this Service Contract provides for a (1) one time replacement of Your covered product resulting
from mechanical and/or electrical failures that occur during normal use and operation in accordance with the
manufacturer’s written specifications. You will be required to ship the product, at Your expense, to a
designated location for inspection. If Your product is defective as determined by the Administrator, You will
receive a new or remanufactured product of like kind and similar features, capacity and/or efficiency or the
Administrator may elect to pay you a cash settlement. The cash settlement amount shall not exceed the retail
purchase price You paid for the original covered product, excluding shipping, handling and taxes.
Replacement of a covered product or payment of a cash settlement will fulfill this Service Contract as to that
specific product and will cancel and discharge further obligations under the Service Contract as to that
specific product. If Your product is found to not be defective, it will be returned to You.

Depot Service: If Your product qualifies for Depot Service, We will mail pre-paid shipping labels to You that
will carry Your package to and from the designated repair location. For new laptop purchases, We will provide
a pre-paid shipping carton instead of labels.

On-Site Service: If On-Site Service is provided under this Service Contract, Your product must be readily
accessible in order for service to be performed. You must provide a safe environment for the service provider
in order to receive service. An adult of legal age must be present at the location where On-Site Service will be
performed. In the event repairs can not be performed On-Site, You may be required to ship/transport Your
covered product to the designated repair center, however shipping/transportation charges will be covered by
the Service Contract. On Site Service will be provided by the authorized service provider during regular
business hours, local time, Monday through Friday, except holidays. ON SITE SERVICE IS NOT
AVAILABLE TO SERVICE CONTRACT HOLDERS LOCATED IN CALIFORNIA OR NEW YORK.

4-Hour or 24-Hour On-Site Service: If You purchased a Service Contract that offers either 4-Hour On-Site
Service or 24-Hour On-Site Service, the following applies:
• The cost of repair labor is covered as of the date of product purchase;
• The cost of repair parts is covered after the expiration date of the manufacturer’s warranty;
• On-Site Service will be provided during regular business hours, local time, Monday through Friday, except
holidays;
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• Repair parts must have been delivered before On-Site Service can be scheduled. Once confirmation has
been received that the required parts have been delivered, all attempts will be made to establish
appointment times as follows:
1) 4-Hour Service:
a) If the parts confirmation occurs before noon (12pm) of a business day, every attempt will
be made to get a technician to the repair location before the close of that business day. If
a technician cannot perform the repair before the close of that business day, a technician
will be at the repair location by noon (12pm) of the next business day.
b) If the parts confirmation occurs after noon (12pm) of a business day, a technician will be
dispatched to perform the repair before noon (12pm) of the next business day.
2) 24-Hour Service:
a) If the parts confirmation occurs before noon (12pm) of a business day, a technician will
be dispatched to the repair location before noon (12pm) of the next business day.
b) If the parts confirmation occurs after noon (12pm) of a business day, a technician will be
dispatched to perform the repair before the close of business the next day.
• Problems resulting from the initial installation of the covered product at Your location are not
covered;
• Refurbished products are not covered;
• THESE SERVICES ARE NOT AVAILABLE TO SERVICE CONTRACT HOLDERS IN CALIFORNIA OR
NEW YORK.

International Service: If Your product requires service and is located outside of the USA or Canada, please
call 1-727-579-6200. If the product is still covered by the manufacturer’s warranty and has been sold with a
repair plan, You will need to contact the manufacturer for service locations worldwide. If the product is out of
the manufacturer’s warranty period, we will ask You to do the following: 1) locate service in Your area; 2) get
an estimate for the repair; 3) get an authorization from us for the repair; 4) remit payment to the service
center; and 5) send us the invoice. We will reimburse You for the authorized amount of the claim by issuing a
check in U.S. dollars that will be mailed to an address in the USA or within the U. S. Postal system. If Your
product was sold with a Replacement Plan, contact us by phone and we will issue a check to You in U.S.
dollars for the original purchase price of the product, excluding taxes, shipping and handling, which will be
mailed to an address in the USA or within the U.S. postal system.

Accidental Damage Coverage: If You purchased the Accidental Damage Coverage, this Service Contract
provides for coverage due to operational failures of Your covered product resulting from accidental impacts,
drops, bumps and liquid spills that occur during normal handling. This Service Contract provides for a (1) one
time covered claim during the term of this Service Contract under the Accidental Damage Coverage. You will
be required to ship the product, at Our expense, to a designated location for inspection. If Your product is
defective as determined by the Administrator, and it is repaired under the Accidental Damage Coverage, the
other coverages will remain in effect. If the product can not be repaired, it may be replaced with a new or
remanufactured product of like kind and similar features, capacity and/or efficiency or the Administrator may
elect to pay you a cash settlement. The cash settlement amount shall not exceed the retail purchase price
You paid for the original covered product, excluding shipping, handling and taxes. Replacement of a covered
product or payment of a cash settlement will fulfill this Service Contract in its entirety and will cancel and
discharge further obligations under the Service Contract. If Your product is found to not be defective, it will be
returned to You.

Pixel Repair Coverage: This Service Contract provides pixel repair based on the manufacturer’s guidelines.

Battery Coverage: If You purchased the Battery Coverage for Your notebook computer as indicated on Your
Service Contract and/or Your purchase receipt, Your coverage provides for one (1) battery repair/replacement
for the term of the contract when the original battery is determined to be defective by Us. You may be
required to return Your defective battery. If the original battery is replaced with a new or rebuilt battery, the
battery coverage portion of this Service Contract is fulfilled in its entirety for the remainder of this Service
Contract..

Bulb (Lamp) Coverage: If Your covered product is a rear projection television that requires a lamp to
generate a picture (e.g. LCD, DLP, LCoS) and is covered as part of the original manufacturer’s warranty, Your
contract covers one (1) lamp replacement during the term of the Service Contract. Administrator will

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determine through troubleshooting if lamp failure is due to normal usage and determine if a replacement lamp
is required. If required the Administrator will send a replacement lamp to You. You are required to install
the lamp according to the product manufacturer's specifications. If the product manufacturer's specifications
require an authorized technician to replace the lamp, Administrator will arrange service for You and cover the
cost of labor to replace the lamp. Under no circumstance will Administrator be responsible for more than one
(1) lamp replacement during the term of the Service Contract. The Service Contract provides coverage only
for the product(s) listed on the face of this Service Contract and/or purchase receipt. This coverage does not
apply to any other type of television including but not limited to front projectors.

Power Surge Protection: This Service Contract protects against operational or mechanical failure of a
covered product resulting from a power surge; the use of an approved surge protector is not required in order
to receive benefits under the surge protection feature of this Service Contract. Power Surge Protection is only
provided in the absence of any other insurance coverage.

No Lemon Coverage: If after the manufacturer’s warranty period expires, Your covered product fails three
(3) times due to the same parts failure, on an individual product, and that product requires a fourth repair, as
determined by the Administrator, the Administrator may replace the failed product with a product of like kind
and similar features or the Administrator may elect to pay You a cash settlement. The cash settlement
amount shall not exceed the current retail cost of a replacement product of like kind and quality; and, such
retail cost shall not exceed the retail purchase price You paid for the original covered product excluding taxes,
shipping and installation. You may be required to return the original defective product to Us at Our expense.
Replacement of a covered product or payment of a cash settlement will fulfill this agreement in its entirety and
will cancel and discharge further obligations under the Service Contract, where allowed by law. Preventative
maintenance checks, cleanings, product diagnosis, customer education, accessory repairs or replacements
are not considered repairs for the purposes of the No Lemon Coverage.

IF YOU NEED SERVICE: Call 1-800-770-4885 and have Your Service Contract number available. A customer service
representative will be available 24 hours a day, 7 days a week. The Administrator may perform a telephone diagnosis
of the covered product failure. If Your covered product is deemed defective, at the Administrator’s sole determination,
You will be instructed as to the procedures for obtaining service applicable to Your covered product. You may be
asked to provide proof of purchase as a condition for receiving service under this Service Contract. ALL CLAIMS
MUST BE REPORTED PRIOR TO THE EXPIRATION DATE OF THE SERVICE CONTRACT.

YOU SHOULD KEEP YOUR ORIGINAL PURCHASE RECEIPT WITH YOUR SERVICE CONTRACT IN A SAFE
PLACE IN THE EVENT YOU NEED IT FOR REFERENCE.

SERVICE CONTRACT LIMITS OF LIABILITY; AGGREGATE LIMIT: The total payment(s) for all claims under this
contract shall not exceed the retail purchase price You paid for the original covered product excluding taxes, shipping
and installation.

YOUR RESPONSIBILITIES UNDER THE SERVICE CONTRACT: For the Service Contract to remain valid and
active, You must maintain Your covered product in accordance with the requirements set forth by the manufacturer's
specifications, including maintenance and cleaning. You must provide proper electrical requirements as specified by
the manufacturer. You must assure full cooperation with the Administrator and authorized service provider during any
telephone diagnosis and repair of the covered product including accessibility of the covered product. If you request
service for a non covered repair, You will be responsible for all costs associated with the repair.

WHAT IS NOT COVERED:

A. Any new or refurbished products with less than an original sixty (60) day manufacturer’s parts and
labor limited warranty.
B. Consumer replaceable items including but not limited to; light bulbs, fuses, replaceable fluids, hoses,
belts, bags, batteries (unless covered under the Battery Coverage Section above), ribbons, cartridges,
printer heads, or any other parts or materials which are designed to be consumed during the life of
the product; adaptors and add-on accessories.
C. Failures of the following non-operational components such as but not limited to: cabinetry and
cabinet frames, decorative finishing, door liners, glass, custom fronts for appliances, handles, knobs,
masks, racks, rollers, shelves, software, media and cosmetic damage.
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D. Damage resulting from unauthorized repair; improper gas or water connections, or electrical wiring
and connections; damage caused during delivery, improper installation, or setup; user facilitated
minor adjustments and settings outlined in the product’s owners manual; inaccessible products or
parts; negligence, misuse or abuse.
E. Failures due to corrosion, rust, dust, animal or insect damage; Acts of God such as fire, water,
windstorm, sand, dirt, hail or earthquake; civil disorders; riot; nuclear accident; malicious mischief;
theft, loss or vandalism.
F. Your failure to follow the instructions described in the product’s owner’s manual, manufacturer’s
recommended maintenance procedures, requirements and misuse or abuse of the product.
G. Image burn-in; pixel defects which are not covered by the original manufacturer’s warranty or are
considered acceptable under the manufacturer’s specifications.
H. Payments for subsequent service calls, including trip charges which result in no problem found
diagnosis, customer education and non-failures as determined by the Administrator whereby a repair
is not required to return Your product to normal operating condition in accordance with the
manufacturers written specifications are not covered.
I. Failure, inoperability, or disruption of any product or product functions due to any manufacturer
recall.
J. Conditions, which existed prior to Your purchase and delivery of the product or the Service Contract;
external antenna or local reception problems. Special, indirect, incremental, or consequential
damages; loss of use.
K. Any service request or situation which may pose a health risk to Our technicians or service providers,
including but not limited to insect infestation, mold, or fungus; whether or not such circumstances
were a result of a covered failure.
L. Any cost associated with tearing apart walls, cabinetry, etc. to access wiring, components, etc.
associated with custom installations.
M. Loss or damage to stored data, loss or damage due to computer viruses, items left in Your product,
such as but not limited to, computer media, personal items and batteries and computer hardware or
software that is added after the original purchase date.
N. Unless Accidental Damage Coverage has been purchased, We will not cover product failures due to
an unexpected and unintentional external event (drop or liquid spills) that arises from Your normal
daily usage of the product.
IN NO EVENT SHALL THE ADMINISTRATOR, OR OBLIGOR OF THIS SERVICE CONTRACT OR THE
RETAILER FROM WHOM YOU PURCHASED THE SERVICE CONTRACT BE LIABLE FOR SPECIAL,
INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES WHICH INCLUDE, BUT ARE NOT LIMITED TO,
ANY DELAY IN RENDERING SERVICE, LOSS OF DATA, OR LOSS OF USE DURING THE REPAIR PERIOD
OF THE PRODUCT (S) OR WHILE OTHERWISE AWAITING PARTS.

REPLACEMENT PARTS AND PRODUCTS: At Our option, replacements will be new, rebuilt, or non-original
manufactured parts or products that perform to the factory specifications of the original product. Advances
in technology may result in a replacement product with a lower selling price than the original. The use of non-
original manufacturer parts is permitted under the Service Contract.

REPEAT SERVICE: If Your covered product should require service more than once within a sixty (60) day period, the
service must be performed by the original authorized service provider.

AVAILABILITY OF SERVICE AND DELAYS: Service will be provided by the authorized service provider during
regular business hours, local time, Monday through Friday, except holidays. The Administrator will make a reasonable
effort to provide timely service or repair of Your product, however We cannot be held liable for service delays beyond
the Administrator’s control or any damages that may arise out of delays including but not limited to consequential
damages. In the event that Your service is delayed more than thirty (30) business days, the expiration date of Your
Service Contract will be extended by the repair time in excess of thirty (30) days. In the case of an emergency outside
normal working hours, reasonable efforts will be made to expedite service for those situations. In the event You are
unable to keep Your scheduled appointment with a service provider, You must call to cancel the appointment in
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advance of the agreed upon time of service or You may be responsible for paying the second trip charge for the
subsequent rescheduled repair.

MANUFACTURER’S WARRANTY: Parts and services covered during the manufacturer's warranty period are the
responsibility of the manufacturer as described under the manufacturer’s expressed warranty. The Administrator may
cover other parts and services not covered by the manufacturer’s warranty and as described in the Service Contract.
The Administrator will refer You to the manufacturer for parts and services covered under the manufacturer’s
warranty.

RENEWALS: The Administrator may, at their option, renew Your Service Contract. The Administrator is not required
or obligated to offer You another Service Contract. In the event You are offered a renewal Service Contract, You will
be notified of the terms and conditions and the Service Contract fees that will apply to the renewal.

TRANSFER: This Service Contract may be transferred to an eligible party to whom You sell or give the equipment
while this Service Contract is in force. This may be accomplished only if You notify the Administrator by calling the
Administrator at the telephone number provided in this Service Contract with the name and address of the new owner
within 15 days of the change of ownership.

CANCELLATION: You may cancel this contract for any reason at any time. To cancel Your Service Contract, contact
the retailer from which You purchased the Service Contract. If You cancel Your Service Contract during the
manufacturer’s warranty (minimum sixty day (60) manufacturers warranty) and We have not paid a claim, You will
receive a full refund. If We have paid a claim due to power surge or accidental damage during the manufacturer’s
warranty You will receive a pro rata refund based on the time remaining on Your Service Contract, less an
administrative fee, not to exceed ten percent (10%) of the price of the Service Contract or twenty-five dollars ($25.00),
whichever is less, and less any claims paid, where allowed by law. If You cancel after the first thirty (30) days from
receipt of this Service Contract, or at anytime after We pay a claim, You will receive a pro rata refund based on the
time remaining on Your Service Contract, less an administrative fee, not to exceed ten percent (10%) of the price of
the Service Contract or twenty-five dollars ($25.00), whichever is less, and less any claims paid, where allowed by
law. If the Administrator cancels the Service Contract, You will be refunded the unearned pro rata purchase price of
the Service Contract, less any claims paid, where allowed by law. If this Service Contract was inadvertently sold to
You on a product which was not intended to be covered by this Service Contract, Your Service Contract will be
cancelled and You will receive the full purchase price of the Service Contract. We may cancel this Service Contract
at our option on the basis of fraud or misrepresentation.

This Service Contract is not a contract of insurance; however the obligations under this Service Contract are
insured by a contractual liability insurance policy provided by Dealers Assurance Company, 3518 Riverside
Drive, PO Box 21185, Columbus, OH 43221-0185.

PLEASE REFER TO SPECIFIC STATE DISCLOSURES TO CONFIRM ANY INDIVIDUAL STATE

REQUIREMENTS. THOSE INDIVIDUAL STATE DISCLOSURES SUPERSEDE ANY OTHER PROVISIONS IN
THIS SERVICE CONTRACT TO THE CONTRARY.

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