Contract Terms and Conditions

TERMS AND CONDITIONS OF COVERAGE TITANIUM PROTECTION

The term of this Agreement begins on the Effective Date and continues for the number of months specified in the registration section of this Agreement. This Agreement has a mandatory Waiting Period before coverage takes effect. The Waiting Period is thirty (30) days from the Effective Date listed in the registration section of this Agreement.
This Agreement is non-renewable.
You will not be required to pay a deductible for this Agreement.
This Agreement cannot be transferred.
The territory includes all fifty (50) United States, Canada and Puerto Rico.
Eligible vehicles include current model year plus ten (10) years prior.
The Administrator makes every effort to provide service but there are instances where they have no vendor available in Your area. In such an instance, the Administrator reserves the right to make cash settlements in lieu of providing service. Such settlement will be based on market rates for like services in Your general geographic area;
You may obtain a full copy of Our company’s privacy notice by sending a written request to the Obligor, Attention: Privacy Notice Department, at 800 Yamato Road, Suite 100, Boca Raton, FL 33431.
THIS IS NOT AN INSURANCE CONTRACT.

EXCLUSIONS

This Agreement does not cover: (a) Any damage that occurs outside the United States, Canada or Puerto Rico; (b) Any damage caused by driving on tires that are improperly inflated; (c) Any damage to tires and/or wheels which are undersized, oversized, or otherwise not recommended by the Vehicle manufacturer; (d) Any damage to tires and/or wheels transferred from another vehicle subsequent to the effective date of this Agreement; (e) Any damage which is covered by any other Agreement, including warranties issued by the manufacturer; (f) Replacement wherein the manufacturer, by public announcement of a recall, established its responsibility to replace tires or wheels; (g) Any damage that is the result of a manufacturer’s defect; (h) Any consequential loss or damage whatsoever, including loss, damage or injury to persons or property resulting from the failure of any of the parts of the vehicle described herein, the repair or replacement of which are covered under the terms and conditions of this Agreement; (i) Any loss where You

or any person on Your behalf falsely swears or commits any fraudulent act with respect to any claim; (j) Any repair or replacement that is not pre-authorized; (k) Any loss that is not reported to the Administrator within sixty (60) days from the date the damage occurs; (l) Any damage resulting from off-road use, racing, collision with a curb, median or another vehicle, chain damage, misuse, abuse, lack of proper maintenance, misalignment, suspension problems, use on a construction site or on roads not regularly maintained, vandalism or malicious mischief, theft, fire, or any loss covered by primary physical damage insurance; (m) Commercial Vehicles; (n) Any damage to tires with tread depth of 3/32″ or less at the lowest point on the tire; (o) Any damage related to acts of God or acts of war or terrorism; (p) Large or deep dents; (q) Dents that are inaccessible due to the existence of aftermarket equipment, or where such after-market equipment or the installation thereof has altered the original Vehicle configuration; (r) Edges where it is determined that the manufacturer’s bracing does not allow for the PDR process; (s) Repairs to creased metal or any area where the paint is damaged; (t) Repairs to any dent or ding that could in any way affect the Vehicle’s paint or finish; (u) Repairs to any dent or ding that would require the replacement of Vehicle’s body panels or require sanding, bonding or painting; (v) Weather related damage; (w) Any preexisting conditions or damage.

CANCELLATION

If this Agreement is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price, less the amount of any claims paid or payable. If You cancel this Agreement after the first thirty (30) days, You will be refunded on a prorated basis, less a cancellation fee of twenty five dollars ($25) and the amount of any claims paid or payable. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. The Agreement may be cancelled by the Administrator at any time. If the Administrator initiates the cancellation, You will receive a refund of the full purchase price. The Lienholder will be named on the check when financing had been provided for the purchase price.

ARBITRATION

In the event that You and the Administrator fail to agree to the amount of a covered loss, or whether coverage is provided under this Agreement, each party may submit the dispute to non-binding arbitration. Either party may make a written request to any nationally recognized organization that performs consumer related Arbitration services. If both parties agree to Arbitrate, the parties would then agree to abide by the consumer related rules and protocol established by the chosen Arbitration organization.

OBLIGOR

Nation Motor Club, LLC.

800 Yamato Road, Suite 100 • Boca Raton, FL 33431 • 888-684-9327

OBLIGOR-

IN ARKANSAS, MAINE, MISSOURI, WASHINGTON & WISCONSIN

NIU of Florida, Inc.

800 Yamato Road, Suite 100 • Boca Raton, FL 33431 • 800-338-2680

OBLIGOR – IN OKLAHOMA

Nation Motor Club, LLC.

800 Yamato Road, Suite 100 • Boca Raton, FL 33431 • 1-888-684-9327 Service Warranty License #862215

ADMINISTRATOR

NIU of Florida, Inc.

800 Yamato Road, Suite 100 • Boca Raton, FL 33431 • 1-888-684-9327

STATE PROVISIONS

If a covered service is not provided to You by the provider no later than the sixtieth

(60th) day after proof of loss has been filed, or if a refund or credit is not paid before the forty-sixth (46th) day after the date on which the contract is returned to the provider, You may apply for reimbursement directly to the reimbursement insurance company. Obligations of the provider under this service contract are insured under a service contract reimbursement insurance policy provided by Wesco Insurance Company at 59 Maiden Lane, 43rd Floor, New York, NY 10038; (866) 505-4048.

Regulation of service contracts may vary from state to state. The following state specific requirements apply if Your Agreement was purchased in one of the following states:

ALABAMA

($25) and the amount of any claims paid or payable. In addition, a ten percent (10%) penalty per month will be applied to any refund not paid or credited within forty five (45) days of Your written request to cancel the Agreement. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. The Administrator of this Agreement shall mail a written notice to You at the last known address in their records at least five (5) days prior to cancellation by the Administrator. Prior notice is not required if the reason for cancellation is nonpayment of the contract charge or a material misrepresentation by You to the Administrator relating to the covered property or its use. The notice shall state the effective date of the cancellation and the reason for the cancellation.

ALASKA

The CANCELLATION section of this Agreement is replaced in its entirety by the following: To initiate the cancellation process, You must contact the Seller or the Administrator. If this Agreement is cancelled by You within thirty (30) days from the Effective Date, and a claim has not been made, You will receive a refund of the full purchase price. If the Administrator does not pay or credit a refund owed within forty five (45) days, they will pay a penalty of ten percent (10%) of the provider fee paid by You for each thirty (30) day period that the refund remains unpaid. If You cancel this Agreement within thirty (30) days from the Effective Date and a claim has been made, or if You cancel this Agreement after the first thirty (30) days, You will be refunded the prorated amount of the unearned provider fee, less the amount of any claims paid or payable. If the Administrator does not pay or credit a refund owed within forty five (45) days, they will pay a penalty of ten percent (10%) of the unearned provider fee paid by You for each thirty (30) day period that the refund remains unpaid. The Administrator may only cancel the Agreement for: 1) fraud, material misrepresentation; 2) failure to pay the contract charge; 3) discovery of a grossly negligent act or omission by You that substantially increases the hazards covered by the Agreement; 4) physical changes in the Vehicle covered by the agreement that result in the Vehicle becoming ineligible for coverage under this Agreement; and 5) a substantial breach of duties by You related to the Vehicle. If the Administrator cancels this Agreement, they will mail written notice of cancellation to You at the last known address in their records. Notice will be mailed before the fifth (5th) day preceding the effective date of the cancellation. The cancellation notice will state the effective date and reason for cancellation. The Administrator is not required to send a written notice of cancellation if they discover one of the following: 1) fraud or material misrepresentation by You at the time of Agreement purchase or in pursuing a claim under the Agreement; and 2) failure by You to pay an amount when due. If the Administrator cancels this Agreement, You will be refunded the prorated amount of the unearned provider fee, less the amount of any claims paid or payable. If the Administrator does not pay or credit a refund owed within forty five (45) days, they will pay a penalty of ten percent (10%) of the unearned provider fee paid by You for each thirty (30) day period that the refund remains unpaid.

The ARBITRATION section of this Agreement is not applicable.

The 1st paragraph under STATE PROVISIONS is replaced in its entirety by the following: If a covered service is not provided to You by the provider no later than the thirtieth (30th) day after proof of loss has been filed, or if a refund or credit is not paid before the forty-sixth (46th) day after the date on which the contract is returned to the provider, You may apply for reimbursement directly to the reimbursement insurance company. Obligations of the provider under this service contract are insured under a service contract reimbursement insurance policy provided by Wesco Insurance Company at 59 Maiden Lane, 43rd Floor, New York, NY 10038; (866) 505-4048.

Repairs covered under this Agreement may be affected with one or more parts supplied by a source other than the manufacturer of Your motor vehicle. This contract does not cover pre-existing conditions.

ARIZONA

(1) If there has been a material misrepresentation or fraud at the time of sale of the Agreement; or (2) For nonpayment of premium by You. If cancelled by the Administrator, they shall provide You notice of cancellation by certified mail. The Administrator will refund You on a prorated basis. The pro-rata refund will not be less than one hundred percent (100%) of the paid unearned pro-rata premium. The Lienholder will be named on the check when financing had been provided for the purchase price. In the event of repossession or total loss, the Lienholder may request cancellation of this Agreement and shall be the sole named payee.

The ARBITRATION section of this Agreement is replaced in its entirety by the following: In the event that You and the Administrator fail to agree to the amount of a covered service, or whether coverage is provided under this Agreement, each party hereby agrees to submit the dispute to binding arbitration under the rules of the American Arbitration Association (AAA). Arbitration shall proceed solely on an individual basis without the right for any dispute to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of others. The arbitrator’s authority to resolve and make written awards is limited to disputes between You and the Administrator alone. Claims may not be joined or consolidated unless agreed to in writing by all parties. The parties agree that arbitration will be heard by a single arbitrator either by telephone, or in the county of Your residence. For all non-frivolous claims, the Administrator shall pay the arbitrator’s fees. The arbitrator shall be selected by mutual agreement of the parties. If the parties are unable to agree to an arbitrator, the arbitrator will be selected by a court of competent jurisdiction, each party to bear its own costs. Arbitration cannot be an absolute dispute remedy and both parties must agree to arbitration. This arbitration provision does not prohibit an Arizona resident from following the process to resolve complaints under the provisions of A.R.S. §20-1095.09, Unfair trade Practices as outlined by the Arizona

Department of Insurance. To learn more about this process, You may contact the

Arizona Department of Insurance at 2910 N. 44th Street, 2nd Fl., Phoenix, AZ 85018-7256, Attn: Consumer Protection. You may directly file any complaint with the A.D.O.I. against a Service Company issuing an approved Service Contract under the provisions of A.R.S. §§ 20-1095.04 and/or 20-1095.09 by contacting the Consumer Protection Division of the A.D.O.I., toll free phone number 800-325-2548.

This contract cannot be cancelled or voided by Us or Our representatives for preexisting conditions.

ARKANSAS

COLORADO

If a covered service is not provided to You by the provider no later than the sixtieth

CONNECTICUT

The CANCELLATION section of this Agreement is replaced in its entirety by the following: You may cancel this Agreement by mailing in a written notice to the Seller or the Administrator only in the event that the product is returned, sold, lost, stolen or destroyed. The notice shall state the effective date of the cancellation and the reason for the cancellation. If cancellation is effected by You within thirty (30) days of the Effective Date, You will receive a refund of the full purchase price, less the amount of any claims paid or payable. If You cancel this Agreement after the first thirty (30) days, the refund will be calculated on a prorated basis less the amount of any claims paid or payable.

The ARBITRATION section of this Agreement is replaced in its entirety by the following: The Administrator is required to make reasonable efforts with You to resolve disputes regarding this Agreement. If the Administrator and You cannot make an Agreement, You may file a written complaint with the State of Connecticut at P.O. Box 816, Hartford, CT 06142-0816; Attention: Consumer Affairs.

The 1st paragraph under STATE PROVISIONS is replaced in its entirety by the following: Obligations of the provider under this service contract are insured under a service contract reimbursement insurance policy provided by Wesco Insurance Company at 59 Maiden Lane, 43rd Floor, New York, NY 10038; (866) 505-4048. If a covered service is not provided to You by the provider, no later than the sixtieth (60th) day after proof of loss has been filed, OR if a refund or credit is not paid before the forty-sixth (46th) day after the date on which the contract is returned to the provider, You may apply for reimbursement directly to Wesco Insurance Company by calling 866-505-4048, Monday through Friday from 8:30 a.m. – 5 p.m. eastern standard time. You may also submit Your request for reimbursement by writing to Wesco Insurance Company at 59 Maiden Lane, 43rd Floor, New York, NY 10038.

Wear and tear is not covered under this service contract. Repairs covered under this Agreement may be affected with one or more parts supplied by a source other than the manufacturer of Your motor vehicle. This extended warranty does not provide for any In-Home service. If this Agreement expires in less than one (1) year and a covered repair occurs prior to expiration, there shall be an automatic extension of the term of this Agreement during the period the Vehicle is in the custody of the repair facility for repairs of a covered repair under this Agreement.

GEORGIA

Residents of Georgia will not be subject to the mandatory thirty (30) day waiting period.

In the TERMS AND CONDITIONS section, the first bullet point is deleted and replaced as follows: The term of this Agreement begins on the Effective Date and continues for the number of months specified in the registration section of this Agreement.

The CANCELLATION section of this Agreement is replaced in its entirety by the following: You may cancel Your contract by mailing or delivering written notice of cancellation to the Seller or the Administrator. Your signed cancellation request must specify the reason for cancellation and the effective date of cancellation. If You cancel this Agreement within sixty (60) days from the Effective Date, You will receive a refund of the full purchase price. If cancellation is after sixty (60) days of the Effective Date the amount of the refund will be prorated based on the lesser of days or miles remaining on the contract term. The Administrator may only cancel the Agreement for fraud, material misrepresentation, or failure to pay the contract charge. If cancellation is due to nonpayment ten (10) days notice shall be given, otherwise thirty (30) days notice shall be given. Notice shall be delivered in person or mailed via first class mailing to the last address the Administrator has on record. If this Agreement is cancelled by the Administrator, the amount of the refund will be prorated based on the lesser of days or miles remaining on the contract term. The refund will be payable to You or the Lienholder, where applicable. If the Administrator fails to refund the unearned consideration, You have the right to receive the refund directly from: Wesco Insurance Company at 59 Maiden Lane, 43rd Floor, New York, NY 10038; (866) 505-4048. Whether this Agreement is cancelled by You or the Administrator, the amount of claims incurred or paid will not be deducted from any returned premiums. The ARBITRATION section of this Agreement is not applicable.

HAWAII

($25) and the amount of any claims paid or payable. In addition, a ten percent (10%) penalty per month will be applied to any refund not paid or credited within forty five (45) days of Your written request to cancel the Agreement. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. The Administrator may cancel this service contract by mailing written notice of cancellation to You at the last known address in their records at least five (5) days prior to the cancellation. The cancellation notice will state the effective date and reason for cancellation. Prior notice is not required if the reason for cancellation is due to nonpayment of the purchase price, a material misrepresentation by the You to the Administrator or a substantial breach of duties by You relating to the covered product or its use. If the Administrator initiates the cancellation, no cancellation fee will apply.

Repairs covered under this Agreement may be affected with one or more parts supplied by a source other than the manufacturer of Your motor vehicle.

IDAHO

Coverage afforded under this motor vehicle service contract is not guaranteed by the Idaho Insurance Guarantee Association.

ILLINOIS

The ARBITRATION section of this Agreement is not applicable.

IOWA

The CANCELLATION section of this Agreement is replaced in its entirety by the following: If this Agreement is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price, less the amount of any claims paid or payable from the Seller. If You cancel this Agreement after the first thirty (30) days, You will be refunded on a prorated basis, less a cancellation fee of twenty five dollars ($25) and the amount of any claims paid or payable from the Seller. If You cancel the Agreement, the Administrator shall mail a written notice of termination to You within fifteen (15) days of the date of termination. In addition, a ten percent (10%) penalty per month will be applied to any refund not paid or credited within thirty (30) days of Your written request to cancel the Agreement. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator.

Commissioner of Insurance, Iowa Department of Insurance, 601 Locust Street, 4th Floor, Des Moines, IA 50309.

INDIANA

The ARBITRATION section of this Agreement is not applicable.

Your proof of payment to the Administrator for this Service Contract shall be considered proof of payment to the Insurance Company which guarantees the Administrator’s Obligations to You. This Service Contract is not insurance and is not subject to Indiana insurance law. This Service Contract covers pre-existing conditions if the Mechanical Breakdown occurs during the Service Contract period.

KANSAS

In the section titled EXCLUSIONS, bullet point (h) is deleted and replaced with: (h) Any consequential loss or damage caused by the failure of service, repair,

replacement, or maintenance rendered under this Agreement; The ARBITRATION section of this Agreement is not applicable.

LOUISIANA

The CANCELLATION section of this Agreement is replaced in its entirety by the following: If this Agreement is canceled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price, less a cancellation fee of fifty dollars ($50). If You cancel this Agreement after the first thirty (30) days You will be refunded on a prorated basis, less a cancellation fee of fifty dollars ($50). The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. The Agreement may be canceled by the Administrator at any time. If the Administrator initiates the cancellation, You will receive a refund of the full purchase price. The Lienholder will be named on the check when financing had been provided for the purchase price.

MAINE

MARYLAND

The CANCELLATION section of this Agreement is replaced in its entirety by the following: If this Agreement is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price, less the amount of any claims paid or payable. If You cancel this Agreement after the first thirty (30) days, You will be refunded on a prorated basis, less the amount of any claims paid or payable. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. The Agreement may be cancelled by the Administrator at any time. If the Administrator initiates the cancellation, You will receive a refund of the full purchase price. The Lienholder will be named on the check when financing had been provided for the purchase price. If the Administrator does not refund the purchase price within forty five (45) days, they will pay a penalty of ten percent (10%) of the purchase price for each thirty (30) day period that the refund remains unpaid.

MINNESOTA

The CANCELLATION section of this Agreement is replaced in its entirety by the following: If the Agreement is canceled within thirty (30) days from the Effective Date You will receive a refund of the full purchase price less the amount of any claims paid or payable. If the Agreement is canceled after thirty (30) days from the Effective Date, the amount of the refund will be prorated based on the number of days remaining on the contract term less the amount of any claims paid or payable. If the Administrator does not refund the purchase price within forty five (45) days, they will pay a penalty of ten percent (10%) of the purchase price for each thirty (30) day period that the refund remains unpaid. The Administrator may cancel this service contract by mailing written notice of cancellation to You at the last known address in their records. Notice of cancellation will be mailed before the fifteenth (15th) day preceding the effective date of the cancellation and will state the effective date of cancellation and the reason for cancellation. The Administrator will provide five (5) days notice before the cancellation of this Agreement in event of 1) nonpayment of the premium by You; 2) material misrepresentation by You to the Administrator; or 3) a substantial breach of duties by You relating to the covered product or its use. The notice will state the effective date of cancellation and the reason for cancellation.

MISSISSIPPI

The CANCELLATION section of this Agreement is replaced in its entirety by the following: If this Agreement is cancelled by You within thirty (30) days from the Effective Date, and no claim has been made, You will receive a refund of the full purchase price of the Agreement. If this Agreement is cancelled by You within thirty (30) days from the Effective Date, and a claim has been made, You will be refunded one hundred percent (100%) of the unearned pro rata purchase price of the Agreement less the amount of any claims paid. If You cancel this Agreement after the first thirty (30) days, You will be refunded one hundred percent (100%) of the unearned pro rata purchase price of the Agreement less the amount of any claims paid. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. 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 the provider. The Agreement may be cancelled by the Administrator only in instances of nonpayment of the provider fee, a material misrepresentation by You to the provider, or a substantial breach of duties by You relating to the covered product and or its use. In the event of cancellation by the Administrator for a reason other than the nonpayment of the provider fee, the Administrator shall refund to You one hundred percent (100%) of the unearned pro rata purchase price of the Agreement less the amount of any claims paid. The ARBITRATION section of this Agreement is not applicable.

In the event of dispute with the Selling Dealer or Administrator of this contract, You may contact the Mississippi Department of Insurance at 501 N. West Street, Suite 1001, Jackson, MS 39201 or (800) 562-2957.

MISSOURI

MONTANA

Repairs covered under this Agreement may be affected with one or more parts supplied by a source other than the manufacturer of Your motor vehicle.

NEBRASKA

The ARBITRATION section of this Agreement is not applicable.

NEVADA

Residents of Nevada will not be subject to the mandatory thirty (30) day waiting period.

In the section titled CONDITIONS NOT COVERED, item “e” is deleted.

Agreement may be cancelled by the Administrator within the first seventy (70) days. In the event of cancellation after seventy (70) days, the Administrator may only cancel this Agreement if they discover one of the following: 1) fraud or material misrepresentation by You; 2) failure by You to pay an amount when due; or 3) act or omission by You, which occurred after the effective date of this Agreement and which substantially and materially increases the service required under this Agreement. If the Administrator cancels the Agreement, the return premium will be one hundred percent (100%) of the full purchase price of the Agreement. Cancellation will not become effective until fifteen (15) days after the Administrator mails You a notice of cancellation to Your last known address. The Administrator will pay a ten percent (10%) penalty per month to any refund that is not paid or credited to You within forty five (45) days after the return of this Agreement. Whether this Agreement is cancelled by You or by the Administrator, no cancellation fees will be deducted from any returned premiums.

The ARBITRATION section of this Agreement is not applicable.

Duplicate payments will not be made for expenses and benefits paid or covered under any other contract, warranty, or insurance policy until the limits of that coverage have been reached. Furthermore, this service contract will cover any other components of the product which are specifically identified as covered throughout this agreement, but which are not covered by any other contract, warranty, or insurance policy.

This service contract is backed by Wesco Insurance Company, 59 Maiden Lane, 43rd floor, New York, NY 10038. If the Administrator does not settle Your claim, You may submit Your claim directly to Wesco Insurance Company at 59 Maiden Lane, 43rd floor, New York, NY 10038 or calling toll free (866) 505-4048.

This item may not be renewed. This contract does not allow You to recover consequential damages. This contract does not cover pre-existing conditions.

NEW HAMPSHIRE

The ARBITRATION section of this Agreement is not applicable.

In the event that You do not receive satisfaction under this contract, You may contact the New Hampshire Insurance Department. State of New Hampshire Insurance Department, 21 Fruit Street #14, Concord, NH 03301; 800-852-3416.

NEW JERSEY

If the Administrator does not refund the purchase price within forty five (45) days, they will pay a penalty of ten percent (10%) of the purchase price for each thirty (30) day period that the refund remains unpaid. The Administrator may cancel this service contract by mailing written notice of cancellation to You at the last known address in their records. Notice will be mailed before the fifteenth (15th) day preceding the effective date of the cancellation. The cancellation notice will state the effective date and reason for cancellation. The Administrator is not required to send a written notice of cancellation if they discover one of the following: 1) a material misrepresentation or omission by You; or 2) failure by You to pay an amount when due.

This contract does not cover pre-existing conditions. Repairs covered under this Agreement may be affected with one or more parts supplied by a source other than the manufacturer of Your motor vehicle. This contract does not allow You to recover consequential damages.

NEW MEXICO

NORTH CAROLINA

The CANCELLATION section of this Agreement is replaced in its entirety by the following: If this Agreement is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price, less the amount of any claims paid or payable. If You cancel this Agreement after the first thirty (30) days, You will be refunded on a prorated basis, less the amount of any claims paid or payable. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. This Agreement may not be cancelable by the Administrator unless at least one of the following conditions are met: (1) If there has been a material misrepresentation or fraud at the time of sale of this Agreement; (2) For nonpayment of the premium by You. If this Agreement is cancelled by the Administrator, the refund will not be less than one hundred percent (100%) of the paid unearned pro-rata premium. The Lienholder will be named on the check when financing had been provided for the premium. In the event of repossession or total loss, the Lienholder may request cancellation of this Agreement and shall be the sole named payee.

OHIO

This contract is not insurance and is not subject to the insurance laws of Ohio.

In the event of cancellation of the provider’s reimbursement insurance policy, insurance coverage will continue for all Agreement Holders whose motor vehicle ancillary product protection contracts were issued by the provider and reported to the insurer for coverage during the term of the reimbursement insurance policy.

This contract may provide a duplication of coverage already provided by Your automobile physical damage insurance policy.

OKLAHOMA

The CANCELLATION section of this Agreement is replaced in its entirety by the following: This Agreement may be cancelled by You at any time. To cancel, You must return this Agreement to the Seller or the Administrator. If this Agreement is cancelled during the first sixty (60) days, You will be refunded one hundred percent (100%) of the premium paid less the amount of any claims paid or payable. If this Agreement is cancelled after the first sixty (60) days, You will be refunded on a prorated basis less the amount of any claims paid or payable. After the Agreement has been in effect for sixty (60) days or more, it may not be cancelable by the Administrator unless at least one of the following conditions are met: (1) If there has been a material misrepresentation or fraud at the time of sale of this Agreement; (2) For nonpayment of premium by You, in which case the Administrator shall provide You notice of cancellation by certified mail. The refund will not be less than one hundred percent (100%) of the paid unearned prorata premium. The Lienholder will be named on the check when financing had been provided for the premium. In the event of repossession or total loss, the Lienholder may request cancellation of this Agreement and shall be the sole named payee.

The 1st paragraph under STATE PROVISIONS is replaced in its entirety by the following: If a covered service is not provided to You by the Administrator no later than the thirtieth (30th) day after proof of loss has been filed, or if a refund or credit is not paid before the forty-sixth (46th) day after the date on which the contract is returned to the provider, You may apply for reimbursement directly to the reimbursement insurance company. Obligations of the Administrator under this service contract are insured under a service contract reimbursement insurance policy provided by Wesco Insurance Company at 59 Maiden Lane, 43rd Floor, New York, NY 10038; (866) 505-4048. This service warranty is not issued by the manufacturer or wholesale company marketing the product. The coverage afforded under this Agreement is not guaranteed by the Oklahoma Insurance Guaranty Association. Oklahoma Service Warranty Statutes do not apply to commercial use references in service warranty contracts. This warranty will not be honored by such manufacturer or wholesale company.

OREGON

The WINDSHIELD REPAIR PROTECTION section, the 3rd sentence in the 1st paragraph is deleted and replaced with the following: Please Note: Weather related damage is NOT covered. Rocks or sand placed on the roadway for traction purposes is not considered to be weather related damage.

In the EXCLUSIONS section, bullet point (j) is deleted and replaced with the following: (j) Any repair or replacement that is not pre-authorized. Exception is made for tire & wheel claims wherein the after-hours procedures are followed.

In the EXCLUSIONS section, bullet point (v) is deleted and replaced with the following: (v) Weather related damage. Please Note: Rocks or sand placed on the roadway for traction purposes is not considered to be weather related damage. The ARBITRATION section of this Agreement is not Applicable.

SOUTH CAROLINA

($25) and the amount of any claims paid or payable. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. The Lienholder will be named on the check when financing had been provided for the purchase price. If the Administrator does not refund the purchase price within forty five (45) days, they will pay a penalty of ten percent (10%) of the purchase price for each thirty (30) day period that the refund remains unpaid. The Administrator may cancel this service contract by mailing written notice of cancellation to You at the last known address in their records. Notice will be mailed before the fifteenth (15th) day preceding the effective date of the cancellation. The cancellation notice will state the effective date and reason for cancellation. The Administrator is not required to send a written notice of cancellation if they discover one of the following: 1) nonpayment of the provider fee; 2) a material misrepresentation by You to the provider; or 3) a substantial breach of duties by You relating to the covered product or its use.

In the event of dispute with the Seller or Administrator of this contract, You may contact the South Carolina Department of Insurance, Capitol Center at 1201 Main Street, Suite 1000, Columbia, SC 29201 or (800) 768-3467.

TEXAS

The CANCELLATION section of this Agreement is replaced in its entirety by the following: You may cancel this Agreement by mailing written notice to the Seller or the Administrator. If the Agreement is cancelled within thirty (30) days from the Effective Date and no claim has been made, You will be refunded one hundred percent (100%) of the full purchase price of the contract. If the Agreement is cancelled within thirty (30) days from the Effective Date and a claim has been made, You will be refunded the full purchase price of the contract less the amount of any claims paid or payable. If the Agreement is cancelled after thirty (30) days from the Effective Date, the amount of the refund will be prorated based on the number of days remaining on the contract term, less a fifty dollar ($50) cancellation fee and the amount of any claims paid or payable. The Administrator will refund to You the purchase price of the contract within forty five (45) days after the contract has been returned to them. If the Administrator does not refund the purchase price within forty five (45) days, they will pay a penalty of ten percent (10%) of the purchase price for each thirty (30) day period that the refund remains unpaid. The Administrator may cancel this service contract by mailing written notice of cancellation to You at the last known address in their records. Notice will be mailed before the fifth (5th) day preceding the effective date of the cancellation. The cancellation notice will state the effective date and reason for cancellation. The Administrator is not required to provide prior to notice of cancellation if the Agreement is cancelled because of: 1) nonpayment of the consideration for the Agreement; 2) fraud or a material misrepresentation by You to the provider or the Administrator; or 3) a substantial breach of a duty by You relating to the covered product or its use. If the Administrator initiates the cancellation, the amount of the refund will be prorated based on the number of days remaining on the contract term less the amount of any claims paid. If the Administrator initiates the cancellation, no cancellation fee will apply.

The registered service contract provider is Nation Motor Club, LLC., 800 Yamato Road, Suite, 100, Boca Raton, Florida 33431, (888) 684-9327, Texas Service Contract Provider # 545.

The registered Administrator is NIU of Florida, Inc., 800 Yamato Road, Suite 100, Boca Raton, FL 33431, Texas Service Contract Provider Administrator #183.

VERMONT

The ARBITRATION section of this Agreement is not applicable.

WASHINGTON

The CANCELLATION section of this Agreement is replaced in its entirety by the following: If this Agreement is cancelled by You within thirty (30) days from the Effective Date, and no claim has been made, You will receive a refund of the full purchase price of the Agreement. If this Agreement is cancelled by You within thirty (30) days from the Effective Date, and a claim has been made, You will receive a refund of the full purchase price less a cancellation fee of twenty five dollars ($25) and the amount of any claims paid or payable. If You cancel this Agreement after the first thirty (30) days, You will be refunded on a prorated basis, less a cancellation fee of twenty five dollars ($25) and the amount of any claims paid or payable. The refund will be payable to You or the Lienholder, where applicable. To initiate the cancellation process, You must contact the Seller or the Administrator. The Administrator will refund to You the purchase price of the contract within thirty (30) days after the contract has been returned to them. If the Administrator does not refund the purchase price within thirty(30) days, they will pay a penalty of ten percent (10%) of the purchase price for each thirty (30) day period that the refund remains unpaid. The Administrator may cancel this service contract within the first sixty (60) days by mailing written notice of cancellation to You at the last known address in their records. Notice will be mailed before the twenty first (21st) day preceding the effective date of the cancellation. The cancellation notice will state the effective date and reason for cancellation. If the Administrator initiates the cancellation, no cancellation fee will apply. After the first sixty (60) days, the Agreement may not be cancelled by the Administrator.

Obligations of the service contract provider under this service contract are insured under a service contract reimbursement insurance policy. You are entitled to make a direct claim against the insurance company. This Agreement is guaranteed by policy number WIC-NSD-VSC-WA-071510 issued by Wesco Insurance Company located at 59 Maiden Lane, 43rd Floor, New York, NY 10038; (866) 505-4048.

This contract does not allow You to recover consequential damages. This contract does not cover pre-existing conditions.

WISCONSIN

The Arbitration section of this Agreement is not applicable.

THIS WARRANTY IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.

WYOMING

The CANCELLATION section of this Agreement is replaced in its entirety by the following: You may cancel this Agreement by mailing written notice to the Seller or the Administrator. If You cancel this Agreement within the first twenty (20) days of the Effective Date, and a claim has not been made, the contract is void and a refund shall be issued to You for the full purchase price of the contract. If You cancel this Agreement within the first twenty (20) days of the Effective Date and a claim has been made, the Administrator shall refund to You the purchase price of the Agreement less the amount of any claims paid or payable. If You cancel this Agreement after twenty (20) days of the Effective Date, the amount of the refund will be prorated based on the number of days remaining on the contract term, less a cancellation fee of fifty dollars ($50) and less the amount of any claims paid or payable. If the Administrator initiates the cancellation, no fee will apply. The Administrator will refund to You the purchase price of the contract within forty five (45) days after the contract has been returned to the Administrator. If the Administrator does not refund the purchase price within forty five (45) days, they will pay a penalty of ten percent (10%) of the purchase price for each month that the refund remains unpaid. The Administrator may cancel this service contract by mailing written notice of cancellation to You at the last known address in their records. Notice will be mailed before the tenth (10th) day preceding the effective date of the cancellation. The cancellation notice will state the effective date and reason for cancellation. Prior notice is not required if the reason for cancellation is nonpayment of the purchase price, a material misrepresentation by You to the Administrator or a substantial breach of duties by You relating to the covered product or its use.

This contract does not allow You to recover consequential damages. This contract does not cover pre-existing conditions.

The ARBITRATION section of this Agreement is not applicable.

This form is not available for use in the following states: CA, FL, MA, NY & UT

Otto Care Auto Advantage

Auto Deductible Reimbursement

Pays up to five hundred dollars ($500) per Loss (UNLIMITED losses per year) when a Loss is filed and paid by the Auto Insurance Company for a Covered Auto the Member owns or leases evidenced by the title, registration or loan document AND insured under an Auto Insurance Policy designating the Member as the Named Insured.
Loss means an event for which the Auto Insurance Company has approved and paid a collision or comprehensive claim which exceeds the Auto Insurance Policy deductible for the Covered Auto.
Coverage is effective upon date of enrollment and will continue for one (1) year.

If the Member suffers a Loss during the benefit period which is covered by the Member’s Auto Insurance Policy, the Member may be entitled to reimbursement of the Auto Insurance Policy deductible amount up to a maximum of five hundred dollars ($500) per Loss. To be eligible for reimbursement the Member must own or lease and insure the Covered Auto under an Auto Insurance Policy designating the Member as the Named Insured.

The Auto Deductible Reimbursement Benefit Does Not Apply If:

1) the Member does not have an in force Auto Insurance Policy on the Member’s Covered Auto at the time of a Loss;

2) the claim under the Member’s Auto Insurance Policy is not covered or has been denied by the Member’s Auto Insurance Company;

3) the Loss does not exceed the in force Auto Insurance Policy deductible;

4) the Member’s Auto Insurance Company has waived the Auto Insurance Policy deductible under the Auto Insurance Policy;

5) the Loss is for a Recreational Vehicle (RV), Trailer, Motor Home, All Terrain Vehicle (ATV), Motorcycle, Boat, Personal Water Craft (PWC) or any other vehicle that does not fall under the definition of a Covered Auto;

6) the auto is used for commercial purposes or hire, or the auto is a commercial vehicle as defined by the manufacturer;

7) the Loss is other than a Total Loss and the Member does not repair the auto.

How to file a claim:

Call the Claims Administrator at 1-877-296-4892 OR go to www.assuranceplus.com/claims to request a claim form. Notice of the Loss must have been provided to the Claims Administrator within 90 days of the date of Loss, but in no event later than 1 year from date of Loss. To process a claim the Claims Administrator must be sent a completed and signed claim form, along with the following required documents, within 180 days of the date of Loss, but in no event later than 1 year from date of Loss.

1) A copy of the Automobile Insurance Policy Declarations page in effect on the date of Loss.

2) A copy of the Covered Auto title, registration or loan/lease documents (if applicable) in effect on the date of Loss.

3) A copy of the estimate of repairs or the total Loss statement.

4) A copy of the claim payment check and/or settlement letter from the Auto Insurance Company showing the amount that was paid and that the deductible was satisfied.

5) A copy of the check, credit card charge, debit card charge or cash receipt showing the deductible was paid.

6) Any other information that may reasonably be requested in order to process your claim.

This summary is a brief overview of the program and is not to be considered a full disclosure of policy terms. Please refer to the Terms and Conditions for complete forms, conditions, limitations, definitions, and exclusions.

TERMS AND CONDITIONS OF COVERAGE TOWBUSTER PLUS continued…

You, Your, Member means the individual(s) listed in the registration section of this Membership;
We, Us or Our means the Provider/Administrator of the Motor Club benefits and services. All Motor Club services and benefits are Provided/Administered through Nation Motor Club, LLC located at 800 Yamato Road, Suite 100, Boca Raton, FL 33431.
Covered Vehicle means the vehicle(s) listed in the registration section of this Membership;
Under the Influence means the vehicle operator was impaired or had ANY detectible blood content level of any alcohol and/or Drugs at the time of the accident or loss; Drugs means any alcohol, marijuana, illegal narcotics, or any legal drugs which are utilized outside of the scope of the prescribing physician’s instructions;
All benefits are available to You up to Your benefit limit, as described throughout this Membership, without any additional payments. You are responsible for any non-covered expenses;
Your Membership begins on the Effective Date indicated in the registration section of this Membership and continues until the Expiration Date unless cancelled. If no Expiration Date is indicated in the registration section, this Membership will have a term of one (1) year;
All of the benefits of Your Membership are described herein and are applicable throughout the United States, Canada and Puerto Rico;
For Customer Service please contact the Administrator at 800-338-2680, Monday through Friday, from 9 am – 5 pm eastern time;
All claims must be reported to the Administrator at 800 Yamato Road, Suite 100, Boca Raton, FL 33431 or by calling 888-684-9327, Monday through Friday from 9 am – 5 pm eastern time;
You have the right to file a compliant by submitting a written compliant to Our Customer Service Department at 800 Yamato Road, Suite 100, Boca Raton, FL 33431 or by calling 800-338-2680, Monday through Friday from 8 am – 5 pm eastern time.
You may obtain a full copy of Our company’s privacy notice by sending a written request to the Administrator, Attention: Privacy Notice Department, at 800 Yamato Road, Suite 100, Boca Raton, FL 33431.

EXCLUSIONS

This Membership does not cover the following: a) Any violation of motor vehicle or traffic laws relating to the operation of a motor vehicle; b) Driving

Under the Influence of Drugs; c) Driving without a valid operator’s permit, operating a vehicle outside the scope of license restrictions, or leaving the scene of an accident without disclosing identity, or failing to stop to ascertain injury and lend assistance (i.e. hit and run); d) When any motor vehicle is operated without permission of the owner thereof; e) Service for trucks in excess of one ton chassis, buses, trailers, tractors, or vehicles of dual wheel class; f) Any service requiring removal of snow or ice from or around Your Covered Vehicle, or from any driveway or premises, or street, highway or parking area; g) Reimbursement sought for any bill which, in Our opinion appears to be false or fraudulent, and not for the claimed services; h) Any parts of the Covered Vehicle, rental battery or return of rental battery. Supplies or accessories furnished by garage or service station shall be at the sole expense of the Member; i)

All repairs and material used in repairing flat tire, or services requiring more than one (1) trip by the service provider shall be at the sole expense of the Member; j) Any damage that occurs outside of the United States, Canada or Puerto Rico; k) Any damage resulting from an accident or any accident involving a motor vehicle in which a Police Traffic Accident Report is not filed or made a matter of record; l) Reimbursement for a rental vehicle; m) Any loss where You or any person on Your behalf falsely swears or commits any fraudulent act with respect to any claim; n) Any loss that is not reported to Us within sixty (60) days from the date of loss; o) Any pre-existing conditions or damage; p) Any loss in which You or any person intentionally causes damage to the Covered Vehicle or drives in any competition, race or speed contest or in preparation for same; or causes any accident while committing or attempting to commit a felony or other illegal act including but not limited to fleeing from police; q) Any loss if the Covered Vehicle is used at any time (or in any manner) for any commercial purpose.

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CANCELLATIONS

If this Membership is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price, less the amount of any claims paid or payable. If You cancel this Membership after the first thirty (30) days, You will be refunded on a prorated basis, less a cancellation fee of twenty five dollars ($25) and the amount of any claims paid or payable. The refund will be payable to You or the Lienholder, where applicable. All cancellation requests must be submitted in writing to Us and signed by You. We reserve the right to cancel this Membership at any time by refunding the original purchase price to You.

TRANSFER

This Membership may be transferred by You to a subsequent private purchaser of the Vehicle for the remainder of the original term (dealers excluded). This

Membership is not transferrable to another vehicle. To transfer this Membership to another owner, You must submit to Us the following within thirty (30) days from the date of sale: a) a letter stating the name and address of the new Member and Your authorization to transfer; b) a copy of the bill of sale showing change in ownership; and c) a money order for twenty five dollars ($25) payable to Nation Motor Club, LLC for the transfer fee.

ADMINISTRATOR

Nation Motor Club, LLC. dba Nation Safe Drivers • 800 Yamato Road, Suite 100 • Boca Raton, FL 33431 • 1-888-684-9327

IN ALASKA & VIRGINIA – ADMINISTRATOR

Nation Safe Drivers Services, Inc. • 800 Yamato Road, Suite 100 • Boca Raton, FL 33431 • 1-888-684-9327

STATE PROVISIONS

The following state specific requirements apply if Your Membership was purchased in one of the following states:

KANSAS

The UNLIMITED LEGAL CARE AT DISCOUNTED RATES section of this Membership is not applicable.

LOUISIANA

The Cancellation section of this Membership is replaced in its entirety by the following: If this Membership is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price. If You cancel this Membership after the first thirty (30) days, You will be refunded on a prorated basis, less a cancellation fee of twenty five dollars ($25). The refund will be payable to You or the Lienholder, where applicable. All cancellation requests must be submitted in writing to the Administrator and signed by You.

MARYLAND

The Cancellation section of this Membership is replaced in its entirety by the following: If this Membership is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price. If You cancel this Membership after the first thirty (30) days, You will be refunded on a prorated basis. The refund will be payable to You or the Lienholder, where applicable. All cancellation requests must be submitted in writing to the Administrator and signed by You.

Other Offices: Nation Motor Club, LLC, 351 West Camden Street, Baltimore, MD 21201; (410) 225-2995

MISSISSIPPI

MONTANA

The Cancellation section of this Membership is replaced in its entirety by the following: If this Membership is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price. If You cancel this Membership after the first thirty (30) days, You will be refunded on a prorated basis. The refund will be payable to You. All cancellation requests must be submitted in writing to the Administrator and signed by You. Other Offices: Nation Motor Club, LLC, 3011 American Way, Missoula, MT 59808

NEVADA

The Cancellation section of this Membership is replaced in its entirety by the following: If this Membership is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price. If You cancel this Membership after the first thirty (30) days, You will be refunded on a prorated basis. The refund will be payable to You or the Lienholder, where applicable. All cancellation requests must be submitted in writing to the Administrator and signed by You.

Other Offices: Nation Motor Club, LLC dba Nation Safe Drivers, 311 South Division Street, Carson City, NV 89703

NEW MEXICO

The Cancellation section of this Membership is replaced in its entirety by the following: If this Membership is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price. If You cancel this Membership after the first thirty (30) days, You will be refunded on a prorated basis. The refund will be payable to You or the Lienholder, where applicable. All cancellation requests must be submitted in writing to the Administrator and signed by You.

This Membership may be transferred by You to a subsequent private purchaser of the Vehicle for the remainder of the original term (dealers excluded). This

Membership is not transferrable to another vehicle. To transfer this Membership to another owner, You must submit the following, to the Administrator, within thirty (30) days from the date of sale: a) a letter stating the name and address of the new Member and Your authorization to transfer; and b) a copy of the bill of sale showing change in ownership.

Other Offices: Nation Motor Club, LLC, 1012 Marquez Place, Unit 106B, Santa Fe, NM 87505-1833

OKLAHOMA

The Cancellation section of this Membership is replaced in its entirety by the following: This Membership can be cancelled by You or the Administrator at any time. You will be entitled to the unused portion of the amount paid for the Membership calculated on a prorated basis over the period of the contract, without any deductions. The refund will be payable to You or the Lienholder, where applicable. All cancellation requests must be submitted in writing to the Administrator and signed by You.

Other Offices: Nation Motor Club, LLC, 1833 South Morgan Road, Oklahoma City, OK 73128

WISCONSIN

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WYOMING

The Cancellation section of this Membership is replaced in its entirety by the following: If this Membership is cancelled by You within thirty (30) days from the Effective Date, You will receive a refund of the full purchase price. If You cancel this Membership after the first thirty (30) days, You will be refunded on a prorated basis. The refund will be payable to You or the Lienholder, where applicable. All cancellation requests must be submitted in writing to the Administrator and signed by You.

Other Offices: Nation Motor Club, LLC, 1908 Thomas Avenue, Cheyenne, WY 82001- 3527

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