Long live your phone.

Long live

your phone.

Enjoy your device worry-free,

with Total Mobile Protection.

¹ Eligibility is contingent on certain criteria including claim approval time.

² Visit phoneclaim.com/Verizon to check eligibility, which is subject to change.

Battery replacement provided under the Verizon Wireless Extended Warranty program

is available in select locations. In Florida, battery replacement coverage is provided by

the insurance program (device replacement deductible and claim limit apply). Eligibility

determined at the point of claim.

Enjoy your device

worry-free.

The following beneﬁts are now available for select

smartphones, subject to parts availability:

Same-day device replacement

and setup.

Now you can get your replacement device

delivered and set up the very same day it’s lost,

stolen or damaged (in most cases). We will

deliver your smartphone, help transfer your data

and set it up exactly how you want.¹

Unlimited, fast cracked screen repair.

If the screen on your eligible smartphone

shatters, your day doesn’t have to. Get your

screen ﬁxed for only $29 as soon as the same

day, each time you need it.

Battery replacement.

Available starting July 27, 2019.

Don’t let battery issues drain you. Get help fast

at a Verizon Authorized Repair Facility.

For the above beneﬁts, eligibility will be determined at

the time of claim approval.

Add Total Mobile Protection today.

Protect the whole family.

Flexible Multi-Device coverage.

Need to cover more devices? Total Mobile

Protection Multi-Device is account-based

coverage for customers with 3 or more lines

and eligible devices that allows you to share

up to 9 claims among 3 coverage slots. If

you need to cover more than 3 lines, you

may enroll in Additional Coverage for 7 more

lines (up to 10 total).

†

NY Customers: Separately available products are WPP $3.10/mo. for Smartphones (Tier 2), Basic Phones and Tablets or $6.85/mo. for Smartphones

(Tier 1) and Watches; EW $3.90/mo. for Smartphones (Tier 2), Basic Phones and Tablets or $4.15/mo. for Smartphones (Tier 1) and Watches; and Verizon

Tech Coach $5/mo. for Smartphones (Tier 2), Basic Phones and Tablets or $4/mo. for Smartphones (Tier 1) and Watches.

NY Compensation: Verizon Wireless Services, LLC (“Producer”) has a limited license to sell wireless communications equipment insurance in New

York (#942643) and will be paid a portion of monthly premium by Liberty Insurance Underwriters, Inc. (“Insurer”). The Producer will be compensated by

the Insurer if you purchased the insurance. The Producer’s compensation may vary based on the product you purchased. For more information about

compensation, please ask your sales representative.

Covered Equipment. If your device is lost, stolen or damaged, your accessories are covered too. For Phones one each of the following: standard battery,

standard car charger, standard case, standard home charger and standard earbud; For Netbooks one of each of the following: standard power cord

and one standard battery; For Tablets one of each of the following: standard wall/USB charger, 16GB memory card and standard earbud; and For Apple

Watches one of each of the following: standard wrist band of like kind and quality to the band received at time of purchase (not to include bands purchased

separate from the watch), an adapter and standard charging cable.

¹ You’ll receive 3 more shared claims per 12 mo. for your account per additional line covered.

Lost, stolen or damaged device replacements are provided by Wireless Phone Protection (WPP), which is insurance coverage underwritten by Liberty Insurance Underwriters Inc. (New York, NY) or one of its

insurance company affiliates; in Florida, WPP includes coverage for post-warranty defects (device replacement deductible and claim limit applies). Asurion Insurance Services, Inc. (in California, Agent License

#0B35141; in Iowa, Agent License #1001000131), is the Agent and provides the claims servicing under this program. Except in Florida, repairs and replacements for post-warranty defects are provided through

the Verizon Wireless Extended Warranty program; the obligor of the Extended Warranty program is Verizon Wireless Services, LLC.

Visit phoneclaim.com/ Verizon to check eligibility and the repair option available in your area. Repair options determined at the point of claim.

Verizon Wireless Extended Warranty (EW) program is not available in Florida; in Florida, coverage for post-warranty defects is provided by the insurance program (WPP) (device replacement deductible and

claim limit apply).

Battery replacement provided under the Verizon Wireless Extended Warranty program is available in select locations. Eligibility determined at the point of claim.

Total Mobile Protection (TMP)

Monthly Charge

Max. Number of Insurance (WPP) Claims

(Device claim maximum is $400 or $2,000, depending on device)

TMP Single Device

Smartphones (Tier 1)* and Watches

Smartphones (Tier 2),* Basic Phones

and Tablets

$15

$12

3 claims in 12 months

(excludes cracked screen repair claims)

TMP Multi-Device (TMP MD)

Account-based coverage for

accounts with 3 lines with eligible

devices (up to 10 lines).

$45 per account

(regardless of

device type)

9 shared claims in 12 months

(excludes cracked screen repair claims)

Additional Coverage

(Available with TMP MD only)

Provides coverage for an additional line

on your account (max 7 per account).

$11 per additional

line (regardless of

device type)

3 additional shared claims per additional line

(excludes cracked screen repair claims)

Wireless Phone Protection (WPP) Insurance

Coverage

Loss, theft and damage

Replacement deductible

$9/$99/$149/$199/$249, depending on device type

Cracked screen repair

deductible

$29 (available for select smartphones and subject to parts availability).

Verizon Extended Warranty (EW)

Coverage

Unlimited repairs and replacements provided for post-warranty defects. Includes battery

replacements for battery malfunctions (for select smartphones, subject to parts availability).

Verizon Tech Coach

Coverage

Tech support for the covered device(s) and virtually anything they connect to.

All devices on TMP Multi-Device accounts have access to Tech Coach.

Additional Information for All Programs

Cancellation Policy

You can cancel your coverage at any time and receive a prorated refund of your monthly fee.

Replacement devices

Replacement device could be new or refurbished. You may also receive generic

accessories with lost, stolen or damaged claims.

*For information about your smartphone model Tier, see the “Deductible amounts” table in this brochure, go to phoneclaim.com/Verizon or call 1.888.881.2622.

Device Protection Summary of Key Terms and Conditions

TMP is a combination of multiple products, each of which is available separately: WPP $3.10/mo. for Smartphones (Tier 2),

Basic Phones and Tablets or $6.85/mo. for Smartphones (Tier 1) and Watches; EW $5/mo.; and Verizon Tech Coach $9/mo.

†

Deductible amounts

Replacement deductibles for select devices:

Smartphones (Tier 1) and Watches

Deductible Sample of devices

No devices at this time

$99

Apple

iPhone

5S 16 GB,

Apple

iPhone

SE (16 GB, 64 GB),

Apple

iPhone

5C 16 GB,

Apple

iPhone

6 (16 GB, 64 GB),

Apple

Watch Series 3 GPS + Cellular (Aluminum Case),

Apple

Watch Nike+ GPS + Cellular,

Gear S2, Gear S2 Classic, Motorola Droid Maxx 2,

Motorola Moto Z Play, Samsung Galaxy Note 4,

Samsung Galaxy S4, Samsung Galaxy S5

$149

Apple

iPhone

6 Plus (16 GB, 64 GB),

Apple

iPhone

6S (16 GB, 32 GB, 64 GB, 128 GB),

Apple

iPhone

6S Plus 16 GB,

Apple

iPhone

7 (32 GB, 128 GB),

Apple

iPhone

8 64 GB, LG G5,

Motorola Droid Turbo 2, Motorola Moto Z Force Droid,

Samsung Galaxy S6 32 GB, Samsung Galaxy S7 32 GB,

Samsung Galaxy S7 Edge 32 GB,

Samsung Galaxy S8 64 GB, Samsung Galaxy S9 64GB

$199

Apple

iPhone

6S Plus 64 GB,

Apple

iPhone

7 Plus (32 GB, 128 GB, 256 GB),

Apple

iPhone

8 256 GB, Apple

iPhone

8 Plus (64 GB,

256 GB),

Apple

iPhone

X (64 GB, 256 GB),

Apple

iPhone

XR (64 GB, 128 GB, 256 GB),

Apple

iPhone

XS 64 GB, 256 GB,

Apple

iPhone

XS Max 64 GB

Samsung Galaxy S8+, Samsung Galaxy S9+,

Samsung Galaxy S10, Samsung Galaxy S10 Lite,

Samsung Galaxy S10+ 128GB

$249

Apple

iPhone

XS Max 256 GB/512 GB,

Apple

iPhone

XS 512 GB,

Samsung Galaxy S10+ 512 GB/1 TB

Smartphones (Tier 2), Basic Phones

and Tablets

Deductible Sample of devices

Jetpack MiFi6620L, Verizon Ellipsis 8, Ellipsis 7 Tablet,

Samsung Galaxy J3 V, Samsung Galaxy Core Prime

$99

Google Nexus 7, G Pad X8.3

$149

Apple

iPad

mini Retina

Display 16 GB,

Apple

iPad

Air 16 GB, Apple

iPad

Air 2 16 GB

$199

Apple

iPad

Air (32 GB, 64 GB), Apple

iPad

Pro 128 GB

$249

No devices at this time

Cracked Screen Repair

Deductible

NOTE: Repair is available on select smartphones,

subject to parts availability. To check availability, go

to phoneclaim.com/Verizon.

$29

All deductibles are non-refundable, and per approved claim.

If you don’t see your device, go to phoneclaim.com/Verizon or call 1.888.881.2622.

$69 deductible tier does not apply to any device models at this time but may be used in the future.

DROID is a trademark of Lucasﬁlm Ltd. and its related companies. Used under license.

Apple, Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and

other countries. All other trademarks, service marks, and product brands that appear herein are

the property of their respective owners.

Don’t tackle

tech alone.

Tech Coach Support.

Get more from your devices with one-tap

access to live Tech Coach experts who can

help you transfer content, optimize your device

performance, troubleshoot error messages

and connect to wireless networks and other

smart accessories in and out of your home.

Download the Tech Coach app

now to get started.

1 The Tech Coach app collects data from the user’s device to facilitate certain Tech Coach

services, including but not be limited to the Tap-to-Call, Tap-to-Chat and device optimization

and insights functionalities. This data is used solely for Tech Coach services. For complete

details, see the Tech Coach terms of service. Device must be on and within the Verizon

Wireless Data Network Coverage Area for the Tech Coach app to function. Data usage applies

for download and use. The self-help and proactive support functionalities are available at no

charge for eligible devices.

How to join.

It’s easy to sign up, but you must act quickly.

To enroll, call 1.800.256.4646, go to verizonwireless.

com/TMP or visit a Verizon store. You are eligible to

enroll in device protection within the ﬁrst 30 days of

activation or upgrade.

Filing a claim is painless.

To ﬁle a claim for lost, stolen or damaged

devices:

• Visit verizonwireless.com/TMP

• Call Asurion Insurance Services, Inc. at

1.888.881.2622

• Log on to your My Verizon account

• If traveling internationally, call 615.647.3364

All claims must be ﬁled within 90 days of incident.

To ﬁle a claim for a post-warranty defect or

battery replacement:

• Call 1.866.406.5154

• Florida customers, call 1.888.881.2622

Fraud:

Any person who, knowingly and with intent to injure,

defraud or deceive any insurer, ﬁles a statement

of claim or an application containing any false,

incomplete or misleading information is guilty of

insurance fraud. In Florida, such conduct is a felony of

the third degree.

Questions regarding this program should be

directed to Liberty Insurance Underwriters Inc.’s

licensed agent, Asurion Insurance Services, Inc. at

1.888.881.2622. Once your eligibility is veriﬁed, the

monthly fee will be added to your wireless bill.

BINDING ARBITRATION

WHILE WE TRY AND RESOLVE DISPUTES, THE

INSURANCE POLICY CONTAINS A MANDATORY

BINDING ARBITRATION PROVISION THAT

REQUIRES THE SUBMISSION OF ALL

DISPUTES (EXCEPT WHERE EXPRESS STATE

EXEMPTIONS ARE PROVIDED) TO ARBITRATION

IN ACCORDANCE WITH THE PROVISIONS SET

FORTH IN SECTION G.1. OF THE POLICY.

Just for clarity.

Optional Insurance Coverage

You don’t need to purchase insurance coverage to

activate your Verizon service.

Duplication of Coverage

You may already have coverage under your

homeowners insurance or other means.

Sales Representative Qualiﬁcations

Unless otherwise licensed, Verizon sales

representatives are not qualiﬁed or authorized to

evaluate the adequacy of your existing insurance

coverages.

Electronic Communications

If you have or in the future provide your email or other

electronic address to Verizon, Asurion or its partners

involved in administering this program may send you

program terms and conditions through electronic

means to the last address Verizon has on ﬁle (except

where prohibited).

Replacement Devices

It is our goal to provide you with a replacement device

that is the same color and has the same features, but

this cannot be guaranteed. If the same make and model

you claim is not available, a similar make and model will

be substituted.

Covered Property

Your coverage applies to the device being used on

your mobile number (for TMP Multi-Device, coverage

applies to devices you have registered for coverage). If

you change devices, your deductible or premium could

change. Please see the sample list of devices in this

brochure.

Non-Return Fee

If you receive a replacement device, your original

device must be returned to us (unless it has been lost

or stolen) using the prepaid shipping label provided

with your replacement device. Under the insurance

program, a Non-Return Fee based on the cost of the

claim to Liberty Insurance Underwriters Inc. may be

charged for your failure to return your original device.

Under the Verizon Extended Warranty, a Non-Return

Fee of up to the full retail price of the replacement

device may be charged for your failure to return your

original device.

Exclusions and Limitations

Coverage contains limitations and exclusions. For

example, intentional loss or damage, cosmetic damage,

and manufacturer recall or design defect, are excluded.

A complete list of exclusions and limitations can be

found in Section B of the full terms and conditions.

Take amazing photos.

Point, shoot and click like a pro.

Secure your data.

Make sure your information doesn’t end

up in the wrong hands.

Master your new device.

Learn the features that will save you time and

help you use your new device to its fullest.

Discover everything

your device can do.

Tech Coach experts aren’t there only for when you have

a question. They can help you get more out of the tech

you love and rely on every day.

Here are just a few of the things they can teach you

how to do:

Download the Tech Coach app to learn more.

TEMPBRO0619

ASVZW-8313-19_TMP-MD TRIA

MKT60330

New device?

We’ve got your back.

With Total Mobile Protection, you can choose

to set up your device from the comfort of home.

Our Tech Coach experts are just a tap away to guide

you every step of the way.

Tech Coach can help you:

• Securely backup

photos and data

• Transfer content

from your old device

to your new device

• Reset passwords for Apple

and Android accounts

• Set up smart accessories

(wireless speakers, car

Bluetooth, and more)

Text TMP to

867867 to get

started now.

A. COVERAGE

In exchange for premium paid when due, we agree to provide the

coverage as stated in the policy on a month to month basis, provided that

any covered damage or loss to the Covered Property is sustained while

your coverage is in effect.

1. Who Is Covered

a. First Named Insured

The First Named Insured is Verizon Wireless for its interest in

Covered Property.

b. Additional Insureds

The First Named Insured has the right to request Additional

Insured status for a customer for his or her interest in the

Covered Property which he, she or it owns (references herein

to “Insured” refer collectively to “First Named Insured” and

“Additional Insured”). Requests for coverage for Additional

Insureds are subject to our approval.

(1) Line Based Coverage provides coverage for Covered Property

associated with a speciﬁc enrolled mobile number active on

the Additional Insured’s account for wireless communication

service with the Wireless Service Provider.

(2) Account Based Coverage means coverage for the device in

use on any mobile telephone number you have registered

for coverage and that is active on the Additional Insured’s

account for wireless communication service with the

Wireless Service Provider. For coverage to exist on any

device, the Additional Insured must have registered the

mobile telephone number on which the device is used for

Account Based Coverage.

When a mobile telephone number is removed from the

Additional Insured’s account with the Wireless Service

Provider, coverage ceases immediately for any Covered

Property associated with that mobile telephone number.

2. Covered Property

Covered Property means only the mobile wireless communications

equipment as follows:

a. If you have subscribed to Line Based Coverage: Covered

Property means the wireless device owned by you for which: 1)

the unique identiﬁcation number (International Mobile Equipment

Identity (IMEI)), Electronic Serial Number (ESN), or Mobile Equipment

ID (MEID) of such wireless device is reﬂected in the records of the

Wireless Service Provider at the time your coverage initially became

effective; and 2) for which outgoing airtime usage has been logged

with the Wireless Service Provider on your account after coverage

became effective; unless you have logged outgoing airtime on a

different wireless phone immediately prior to the time of loss, in

which case such wireless device becomes the covered property so

long as: i) such wireless device is owned by you and you provide us

proof of ownership and ii) airtime usage was logged on such device

on your account with the Wireless Service Provider immediately prior

to the time of loss.

b. If you have subscribed to Account Based Coverage: When

you purchase Account Based Coverage (Total Mobile Protection

Multi-Device), unless you purchase additional coverage, you receive

three enrolled mobile numbers (i.e., three units of coverage), each of

which can be assigned to one mobile telephone number in use on

your account with the Wireless Service Provider. To assign one of

your units of coverage (i.e., an enrolled mobile number) to one of your

mobile telephone numbers, you must register (with either Asurion or

the Wireless Service Provider) the mobile telephone number on which

you want coverage to apply.

When you assign an available enrolled mobile number to a mobile

telephone number on your account, the device in use on the

registered (i.e.,assigned) mobile telephone number becomes

Covered Property so long as the device: a) is in use on a mobile

telephone number that is registered under an enrolled mobile

number, b) is owned by you; c) the device’s unique identiﬁcation

number (International Mobile Equipment Identity (IMEI)),

Electronic Serial Number (ESN), or Mobile Equipment ID (MEID)

is reﬂected in the records of the Wireless Service Provider; and

d) outgoing airtime usage has been logged by the device with the

Wireless Service Provider on your account after your account was

enrolled in Total Mobile Protection Multi-Device. If you change

devices in use on a registered mobile telephone number, the new

device becomes the Covered Property in place of the previous

device so long as the requirements of this paragraph are met.

Unless you are eligible for and purchase additional units of

coverage, you may only register three (3) mobile telephone

numbers for coverage. If you purchase additional units of

coverage, each additional unit of coverage you purchase allows

one (1) additional mobile telephone number on your account to be

registered. Please consult the Total Mobile Protection Multi-Device

protection brochure or contact Asurion or the Wireless Service

Provider regarding enrolled mobile number coverage or mobile

telephone number registration.

c. The following applies to both Line Based coverage and

Account Based coverage: Accessories used with the wireless

device above: one standard battery (attached to wireless device at

time of loss if lost or stolen); one standard cigarette lighter adaptor;

one standard leather case; one standard home charger; one

standard earbud. The following Netbook accessories as part of a

Netbook loss: one standard Netbook power cord and one standard

battery. The following Tablet accessories as part of a Tablet loss:

one standard wall/USB charger, one 16GB microSD memory

card, and one standard earbud. The following iPhone accessories

as part of an iPhone loss: one standard wall/USB charger, one

standard earbud, and one standard sync cable. The following iPad

accessories as part of an iPad loss: one standard wall charger and

one standard sync cable. The following Apple Watch accessories as

part of an Apple Watch loss: one standard wrist band (attached to

device at time of loss if lost or stolen) of like kind and quality to the

band received at time of purchase (not to include bands purchased

separate from the watch), one standard adapter, and one standard

charging cable.

LIBERTY INSURANCE UNDERWRITERS INC., or one of its insurance company afliates.

WIRELESS COMMUNICATIONS EQUIPMENT COVERAGE INSURANCE POLICY

Various provisions in the policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered.

The words “we,” “us” and “our” refer to Liberty Insurance Underwriters Inc.* that is providing the insurance.

The terms “you” and “your” mean, as the context requires, the First Named Insured or any Additional Insured or both.

The word “Agent” refers to Asurion Insurance Services, Inc.

The term “Authorized Service Center” means the service center providing repair and replacement services on our behalf.

The term “Wireless Service Provider” means Verizon Wireless, who is the First Named Insured, providing the Covered Property.

or one of its insurance company afﬁliates.

3. Coverage Period

Coverage is provided for the policy period shown in the Declarations

subject to Section G.4.b.

4. Coverage Territory

We insure the Covered Property wherever it is located in the world.

We may require any claims occurring outside the United States or its

territories to be processed in the United States.

5. Covered Causes of Loss

Covered Causes of Loss means risks of being lost, stolen or directly

damaged, except as limited or excluded elsewhere in the policy.

In the State of Florida, the above paragraph A.5. is replaced in its

entirety by the following:

5. Covered Causes of Loss

Covered Causes of Loss means risks of mechanical or electrical

breakdown or being lost, stolen or directly damaged, except as

limited or excluded elsewhere in the policy.

6. Property Not Covered

Covered Property does not include:

a. Contraband or property in the course of illegal transportation

or trade.

b. Data, meaning information input to, stored on, or processed

by the Covered Property. This includes documents, databases,

messages, licenses, contact information, passwords, books, games,

magazines, photos, videos, ringtones, music, and maps.

c. Proprietary electronic devices included with automobile systems

and any motor vehicle or watercraft original or after-market

equipment or accessories, whether or not permanently installed,

including any antenna or wiring.

d. Property that has been entrusted to (including property in-

transit) others for any service, repair or replacement, other than

the Authorized Service Center or its designee.

e. Nonstandard Software, meaning software other than Standard

Software. “Standard Software” means the operating system

pre-loaded on or included as standard with the Covered Property

from the manufacturer.

f. Wireless Equipment whose unique identiﬁcation number

(including serial number, ESN, MEID, IMEI or similar unique

identiﬁcation number) has been altered, defaced or removed.

g. Nonstandard External Media, meaning physical objects on which

data can be stored but which are not integrated components of

the Covered Property required for it to function. This includes

data cards, memory cards, external hard drives, and ﬂash drives.

Nonstandard External Media does not include Standard External

Media. “Standard External Media” means physical objects on which

data can be stored and that came standard in the original packaging

with the Covered Property from the manufacturer but which are

not integrated components of the Covered Property required for it

to function.

h. Any property you lease, rent or hold for others.

i. Any other equipment or accessories not described as Covered

Property.

j. Batteries (unless otherwise covered as a covered accessory

when part of a loss to other Covered Property).

In the State of Florida, the above paragraph A.6.j. is deleted in

its entirety.

B. EXCLUSIONS

This insurance does not apply to loss or damage identiﬁed in any of

the following or directly or indirectly caused by or resulting from any

of the following:

1. Governmental Authority

Seizure or destruction of property by order of governmental authority.

2. Nuclear Hazard

Nuclear reaction or radiation, or radioactive contamination, however

caused. If physical loss or damage by ﬁre ensues, we will pay only

for such ensuing loss or damage.

3. War

(a) War, including undeclared or civil war;

(b) Warlike action by a military force; or

by governmental authority in hindering or defending against any

of these.

Such loss or damage is excluded regardless of any other cause or

event that contributes concurrently or in any sequence to the loss

or damage.

4. Delay, Loss of Use

Indirect or consequential loss or damage, including loss of use,

interruption of business, loss of service, loss of market, loss of time,

loss of proﬁts, inconvenience or delay in repairing or replacing lost

or damaged Covered Property.

5. Electrical and Mechanical Breakdown

Failure of Covered Property to operate due to a faulty part or

workmanship or normal wear and tear when operated according to

the manufacturer’s instructions.

The above paragraph B.5. is deleted in Florida and not replaced.

6. Dishonest or Criminal Acts

Dishonest, fraudulent or criminal acts by you, any authorized user of

the Covered Property, anyone you entrust with the Covered Property,

or anyone else with an interest in the Covered Property for any

purpose, whether acting alone or in collusion with others.

7. Obsolescence

Obsolescence or depreciation.

8. Recall or Design Defect

(a) Manufacturer’s recall; or

(b) Error or omission in design, programming or system conﬁguration.

9. Cosmetic Damage

Cosmetic damage, however caused, that does not affect the

manufacturer’s intended use. This includes:

(a) Cracking, marring, or scratching.

(b) Change in color or other change in the exterior ﬁnish.

10. Covered Under Warranty

Loss or damage that is covered under the manufacturer’s warranty. In

the event we have knowledge of a prior malfunction, proof of repair may

be required before coverage for future claims is applicable.

11. Late Claims

Claims not reported as required by Section E.3. of the policy.

12. Programming, Repair Work

Programming, cleaning, adjusting, repairing, modifying, installing,

servicing, maintaining, or performing any other work upon

Covered Property.

13. Virus

Computer virus or any other malicious code or similar instruction that:

(a) Disrupts the normal operation of the Covered Property; or

(b) Results in destruction of or unsuitability of data or programs

stored in the Covered Property.

14. Voluntary Parting

Voluntarily parting with Covered Property by an Insured or by any

person entrusted with Covered Property, whether or not induced to

do so by any fraudulent scheme, trick, device or false pretense.

15. Intentional Loss or Damage

Abuse, intentional acts, or use of the Covered Property in a

manner inconsistent with the use for which it was designed,

intended, or advised by the manufacturer or that would void the

manufacturer’s warranty.

16. Pollution

The discharge, dispersal, seepage, migration or escape of

pollutants. Pollutants means any solid, liquid, gaseous, or thermal

irritant or contaminant including smoke, vapor, soot, fumes, acid,

alkalis, chemicals, artiﬁcially produced electric ﬁelds, magnetic ﬁeld,

electromagnetic ﬁeld, sound waves, microwaves, and all artiﬁcially

produced ionizing or non-ionizing radiation and/or waste. Waste

includes materials to be recycled, reconditioned or reclaimed.

17. Fees or Charges

Any fees or charges assessed by Verizon Wireless, whether the

charges incurred are legitimate or fraudulent.

18. Failure to Mitigate

Failure to do what is reasonably necessary to minimize the loss and

to protect the Covered Property from any further loss.

19. Vermin

Insects, rodents, or other vermin.

C. LIMITS OF INSURANCE

1. The most we will spend in any one occurrence to repair or replace

Covered Property is either: four hundred dollars ($400) if the Covered

Property is found in Schedule A or Schedule E; or two thousand dollars

($2,000) if the Covered Property is found in Schedules B, C, D, F, G, H,

I, J, K, L, M, N, O, P, or Q. This Limit of Insurance applies separately to

each claim.

2. When Line Based Coverage is chosen by the Additional Insured,

each Additional Insured is limited to three (3) losses for lost, stolen

or directly damaged, and unlimited cracked screen losses in any

consecutive 12 month time period, including losses incurred during

any prior consecutive policy period. When this limit is exhausted,

coverage will cease immediately and we will notify the Additional

Insured that coverage has ceased and no future premiums are due.

In the State of Florida, the above paragraph C.2. is replaced in its

entirety by the following:

2. When Line Based Coverage is chosen by the Additional Insured, each

Additional Insured is limited to three (3) losses for mechanical or

electrical breakdown or being lost, stolen or directly damaged, and

unlimited cracked screen losses in any consecutive 12 month time

period, including losses incurred during any prior consecutive policy

period. When this limit is exhausted, coverage will cease immediately

and we will notify the Additional Insured that coverage has ceased and

no future premiums are due.

3. When Account Based Coverage is chosen by the Additional Insured,

the maximum number of losses in any consecutive 12 month time

period, including losses incurred during any prior consecutive policy

period, for each Additional Insured’s account is limited to nine (9)

approved claims and unlimited cracked screen claims. If you are

eligible for and purchase additional coverage, each line of additional

coverage you purchase allows three (3) additional approved claims

beyond the initial nine (9) approved claim limit.

The applicable Aggregate Limit is determined based on the total

number of enrolled mobile numbers on an Additional Insured’s

account with the Wireless Service Provider at the time coverage

for the Additional Insured begins. If during the coverage period, the

Additional Insured adds or removes enrolled mobile numbers from

their account with the Wireless Service Provider, the Aggregate

Limit will automatically adjust after completion of each covered

claim based on the total number of enrolled mobile numbers on their

account immediately after completion of the claim. If the number

of losses in the prior 12 month time period equals or exceeds the

Aggregate Limit applicable after completion of the claim, coverage

will cease immediately.

When this limit is exhausted, we will notify the Additional Insured

that coverage has ceased and no future premiums are due.

D. DEDUCTIBLE

The Deductible is either $9, $99, $149, $199, $9, $99, $149, $199,

$9, $99, $149, $199, $29, $29, $69, $249, or $249 depending on

whether the Covered Property is found in Schedule A, B, C, D, E, F, G,

H, I, J, K, L, M, N, O, P, or Q and is non-refundable and is payable at

the time a loss is approved by the Agent. This Deductible will apply to

each ﬁled and approved covered claim, and does not reduce the Limit of

Insurance. Only an Insured may pay the Deductible.

E. INSURED’S DUTIES IN EVENT OF LOSS TO INSURED’S COVERED

PROPERTY

In the event of loss or damage to Covered Property, the Insured

presenting the claim must cooperate with us and see that the following

are done:

1. Suspend Wireless Service

Suspend your wireless communication service, if applicable, as

soon as possible if the Covered Property is lost or stolen.

2. Notify Police

If a claim involves a violation of law or any loss of possession, notify

the police and obtain a police report or case number, the police

station phone number, and the ofﬁcer’s name and badge number

taking the report. If requested, provide a copy of the police report to

Asurion Insurance Services, Inc. within 30 days of request.

3. Notify Agent, Give Description

Notify the Asurion Insurance Services, Inc. within 90 days of the

time of loss.

Give a complete description of:

a. The Covered Property, including make and model, wireless

number, if applicable, and unique identiﬁcation number (such as

serial number, ESN, MEID, IMEI or similar unique identiﬁcation

number); and

b. How, when and where the loss or damage occurred.

4. Protect

Take all reasonable steps to protect the Covered Property from

further damage.

5. Permit Inspection

Permit us or our Agent to inspect the damaged property. If we

request to evaluate your equipment failure prior to completion of

your claim, we may require you to take the Covered Property to a

speciﬁed location in your area, or send it to the Agent or Authorized

Service Center at our expense.

6. Statement Under Oath

If requested by us or our Agent, submit to questioning under oath

about a claim or other matter relating to the policy. In such event,

the answers must be signed and may be recorded.

7. Proof of Loss and Ownership

If required, provide:

a. Proof of ownership, such as a bill of sale, receipt, proof of

purchase or warranty exchange.

b. A signed, sworn proof of loss or damage containing the

information we or our Agent request to settle the claim. We may

require this statement to be notarized, for which you may incur a

nominal fee.

c. A copy of government-issued photo identiﬁcation.

d. Other records and documents that may be reasonably

requested.

These records must be provided within 30 days after our request for

the documentation.

8. Return of Damaged and/or Malfunctioning Covered Property

The Additional Insured is required to return the damaged property

including, if coverage is provided under the policy, property that

suffered mechanical and electrical breakdown, to the Authorized

Service Center or other designated location. If the replacement

equipment is sent to you, you will be provided a prepaid shipping

label and envelope in which to return the damaged property.

Disposal of the damaged Covered Property other than by returning it

to the Authorized Service Center, or other location designated by us,

requires the prior consent of us or our Agent.

If the damaged Covered Property is not returned as directed within 15

days of the receipt of the replacement equipment, a Non-Return Fee

as applicable to the model of Covered Property, not to exceed three

hundred dollars ($300) may be charged to the Additional Insured.

Any recovery of lost or stolen property will accrue entirely to

our beneﬁt.

9. Take Delivery

We may make available to you the approved replacement equipment

for pick up at your Wireless Service Provider. We may also ship the

approved replacement equipment through our Authorized Service

Center directly to you within the United States for which you must

be available to take delivery of the replacement equipment within

30 days of claim authorization. If you are not available at the time

you agree to take delivery, you may be required to pay the costs of

reshipping your replacement equipment.

F. OUR DUTIES IN EVENT OF LOSS

1. When We Repair or Replace

If a claim is made, we or Asurion Insurance Services, Inc. will notify

the Insured of Asurion Insurance Services, Inc.’s assessment of the

claim within 10 days after we or Asurion Insurance Services, Inc.

receives all the information requested from the Insured presenting

the claim.

Repair or replacement of the lost or damaged Covered Property will

be done within 30 days after the Insured, or his or her designee has

complied with all the terms of the policy, and we have agreed with

the Insured about the repair or replacement.

2. Our Options

At our option, we or the Authorized Service Center may repair

the Covered Property with substitute parts or provide substitute

equipment that:

a. Is of like kind, quality and functionality;

b. Is either new, refurbished or remanufactured, and may contain

original or non-original manufacturer parts; and

c. May be a different brand, model or color.

G. ADDITIONAL CONDITIONS

1. Arbitration Agreement

Please read this Arbitration Agreement carefully. It affects

your rights. Most of your concerns about the policy can be

addressed simply by contacting us at 1.888.881.2622. In the unlikely

event we cannot resolve any disputes, including any claims under the

policy, that you or we may have, YOU AND WE AGREE TO RESOLVE

THOSE DISPUTES THROUGH EITHER BINDING ARBITRATION

OR SMALL CLAIMS COURT INSTEAD OF THROUGH COURTS

OF GENERAL JURISDICTION. YOU AND WE AGREE THAT ANY

ARBITRATION WILL TAKE PLACE ON AN INDIVIDUAL BASIS

ONLY. YOU AND WE AGREE TO WAIVE THE RIGHT TO A TRIAL

BY JURY AND TO PARTICIPATE IN CLASS ARBITRATIONS AND

CLASS ACTIONS. Arbitration is more informal than a lawsuit in court.

Arbitration uses a neutral arbitrator instead of a judge or jury. It has

more limited discovery than in court and is subject to limited review

by courts. Arbitrators can award the same damages and relief that a

court can award.

For the purpose of this Arbitration Agreement, references to “we,”

“us” and “our” includes Liberty Insurance Underwriters Inc., our

Agent, the First Named Insured and their respective parents,

subsidiaries, afﬁliates, agents, employees, successors and assigns.

The policy evidences a transaction in interstate commerce,

and thus the Federal Arbitration Act governs the interpretation

and enforcement of this Arbitration Agreement. This Arbitration

Agreement shall survive the termination of the policy.

This Arbitration Agreement is intended to be interpreted broadly, and

it includes any dispute: (1) arising out of or relating in any way to the

policy or to the relationship between You and Us, whether based in

contract, tort, statute, fraud, misrepresentation or otherwise; (2) that

arose either before this Arbitration Agreement or policy was entered

into by you and us or that arises after this Arbitration Agreement

or policy is terminated; and (3) that currently is the subject of a

purported class action litigation in which you are not a member of

a certiﬁed class. Notwithstanding the foregoing, this Arbitration

Agreement does not preclude you from bringing an individual action

in small claims court or from informing any federal, state or local

agencies or entities of your dispute. Such agencies or entities may

be able to seek relief on your behalf.

If you or we intend to seek arbitration you and we must ﬁrst send

to the other a written Notice of Claim (“Notice”) by certiﬁed mail.

Your Notice to us should be addressed to: Legal Department, P.O.

Box 110656, Nashville, TN 37222. The Notice must describe the

dispute and state the speciﬁc relief sought. If you and we do not

resolve the dispute within 30 days of receipt of the Notice, you

or we may initiate an arbitration proceeding with the American

Arbitration Association (“AAA”). You can obtain the forms necessary

to initiate an arbitration proceeding by visiting www.adr.org or by

calling 1-800-778-7879. After we receive notice that you have

commenced arbitration, we will reimburse you for payment of any

ﬁling fee to the AAA. If you are unable to pay a required ﬁling fee,

we will pay it if you send a written request by certiﬁed mail to:

Legal Department, P.O. Box 110656, Nashville, TN 37222. The

arbitration shall be administered by the AAA in accordance with the

Commercial Arbitration Rules and the Supplementary Procedures for

Consumer Related Disputes (the “Arbitration Rules”) in effect at the

time the arbitration is initiated and as modiﬁed by this Arbitration

Agreement. You can obtain a copy of the Arbitration Rules by visiting

www.adr.org or by calling 1-800-778-7879.

The arbitrator appointed by the AAA to decide the dispute is

bound by the terms of this Arbitration Agreement. All issues are

for the arbitrator to decide, including the scope of this Arbitration

Agreement, with the exception that issues relating to the

enforceability of this Arbitration Agreement may be decided by a

court. Unless you and we agree otherwise, any arbitration hearings

will take place in the county or parish of your billing address. If

your dispute is for $10,000 or less, you may choose to conduct the

arbitration hearings either by submitting documents to the arbitrator

or by appearing before the arbitrator in person or by telephone.

If your dispute is for more than $10,000, the right to arbitration

hearings will be determined by the Arbitration Rules. We will pay all

ﬁling, administration and arbitrator fees for any arbitration initiated

pursuant to this Arbitration Agreement, unless your dispute is found

by the arbitrator to have been frivolous or brought for an improper

purpose under Federal Rule of Civil Procedure 11(b). In that case, the

payment of such fees shall be governed by the Arbitration Rules.

At the conclusion of the arbitration hearings, the arbitrator shall issue

a written decision which includes an explanation of the facts and law

upon which the decision is based. If the arbitrator ﬁnds in your favor

and issues a damages award that is greater than the value of the last

settlement offer made by us or if we made no settlement offer and the

arbitrator awards you any damages, we will: (1) pay you the amount

of the damages award or $7,500, whichever is greater; and (2) pay

your attorney, if any, twice the amount of the attorney’s fees and the

actual amount of any expenses reasonably incurred when pursuing

your dispute in arbitration. You and we agree not to disclose any

settlement offers to the arbitrator until after the arbitrator has issued

the written decision. The arbitrator may resolve any disputes regarding

attorney’s fees and expenses either during the arbitration hearings

or, upon request, within 14 days of the arbitrator’s written decision.

While the right to the attorney’s fees and expenses discussed above

is in addition to any right you may have under applicable law, neither

you nor your attorney may recover duplicate awards of attorney’s fees

and expenses. Although we may have the right under applicable law

to recover attorney’s fees and expenses from you if we prevail in the

arbitration, we hereby waive the right to do so.

To the extent either declaratory or injunctive relief is sought in the

arbitration, such relief can be awarded only to the extent necessary

to provide the relief warranted by a party’s individual claim. YOU

AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST

THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS

A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS

OR REPRESENTATIVE PROCEEDING. Unless you and we agree

otherwise, the arbitrator may not consolidate the dispute of another

person with your or our dispute and may not preside over any form of

a representative or class proceeding. If this speciﬁc provision of this

Arbitration Agreement is found to be unenforceable, then the entirety of

this Arbitration Agreement shall be null and void.

2. Claim Authorization and Loss Payment

We or Asurion Insurance Services, Inc. has the right to settle the loss

with the Insured or his or her designee.

No claims will be accepted unless authorized by Asurion Insurance

Services, Inc.

All repairs and replacements must be made by the Authorized

Service Center, unless we or our Agent gives the Insured other

speciﬁc directions. In no event will Insureds be entitled to

reimbursement for any out-of-pocket expenses.

3. Cancellation

a. How An Additional Insured Cancels

An Additional Insured may cancel the coverage provided by

notifying the Agent or First Named Insured who will advise

the Agent.

b. How We Cancel

We may cancel the policy or change the terms and conditions

only upon providing the First Named Insured and Additional

Insured with at least thirty (30) days notice or other period as

required by law unless we cancel for the following reasons:

(1) We may cancel an Additional Insured under the policy upon

ﬁfteen (15) days notice or other period as required by law for

discovery of fraud or material misrepresentation in obtaining

coverage or in the presentation of a claim thereunder.

(2) We may cancel an Additional Insured under the policy

immediately or other period as required by law:

(a) for nonpayment of premium;

(b) if the Additional Insured ceases to have an active service

with the First Named Insured; or,

of liability, if any, under the terms of the policy and we

send notice of cancellation to the Additional Insured

within thirty (30) calendar days after exhaustion of the

limit. However, if notice is not timely sent, enrollment

shall continue notwithstanding the Aggregate Limit

of liability until we send notice of cancellation to the

Additional Insured.

c. How First Named Insured Cancels

If the policy is cancelled by the First Named Insured, the

First Named Insured shall mail or deliver written notice to

each Additional Insured advising the Additional Insured of the

cancellation of the policy and the effective date of cancellation.

The written notice shall be mailed or delivered to the Additional

Insured at least thirty (30) days prior to the cancellation.

d. How Notice of Cancellation is Provided

Notices made pursuant to Section G.3.b. and c. shall be in

writing and include the actual reason for cancellation and the

effective date of cancellation. The coverage will end on that date.

Notices may be mailed or delivered to the First Named Insured

at its mailing address. Notices may be mailed or delivered to the

affected Additional Insureds’ last known mailing or electronic

addresses on ﬁle with us.

We or the First Named Insured shall maintain proof of mailing

in a form authorized or accepted by the United States Postal

Service or other commercial mail delivery service. We or the

First Named Insured may comply with Section G.3.b. and c. by

providing such notice or correspondence to the First Named

Insured or its Additional Insureds by electronic means. If

accomplished through electronic means, we or the First Named

Insured shall maintain proof that the notice or correspondence

was sent.

The First Named Insured agrees to pay or act as delivery agent

for notice of cancellation to all Additional Insureds.

e. Return Premiums, If Any

If the policy is canceled, any refunds due will be on a pro rata

basis. The cancellation will be effective even if the refund has not

been made or offered.

4. Eligibility

a. To be eligible for coverage you must 1. be a valid, active and

current subscriber of your Wireless Service Provider; 2. not

have engaged in fraud or abuse with respect to this or a similar

communications equipment insurance program; and 3. not be

in breach of any material term of the policy, including but not

limited to failure to return damaged Covered Property when

requested in conjunction with a loss.

b. If you request enrollment of coverage and your request is approved

by us, your coverage is retroactive to the date of your application.

The successful completion of a test call to the Covered Property

may be required prior to our approval.

Eligibility for enrollment after initial activation may be subject

to limitations.

5. Changes

The First Named Insured, on its own behalf and on behalf of the

Additional Insureds, is authorized to make changes in the terms of

the policy with our consent. The policy’s terms can be amended

or waived only by endorsement issued by us and made a part of

the policy.

If notice of such changes is mailed, proof of mailing will be sufﬁcient

proof of notice.

6. Concealment, Misrepresentation or Fraud

The policy is voidable in any case of fraud, intentional

concealment or misrepresentation of a material fact, by either the

First Named Insured or any Additional Insured or their designee at

any time, concerning:

a. The policy;

b. The Covered Property;

c. The Insured’s interest in the Covered Property; or

d. A claim under the policy;

but only with respect to their coverage.

7. Conformity To Statute

We agree that any terms of the policy not in conformity with the

statutes of the state in which the policy is issued are amended to

conform to those applicable state statutes.

8. Benet Only Available To Insureds

No person or organization, other than an Insured, will beneﬁt from

the insurance. We may provide you access to other limited beneﬁts

or services related to your Covered Property where available.

These may include: property location or recovery services;

data management or recovery services; equipment service and

maintenance; reduced cost upgrade or purchase beneﬁts or other

services provided through your Wireless Service Provider or other

authorized service facilities.

9. Legal Action Against Us

No one may bring a legal action against us under the policy unless:

a. There has been full compliance with all the terms of the policy;

b. The action is brought within 2 years after the Insured has

knowledge of the loss or damage;

c. The action is brought in compliance with Section G.1.

10. Liberalization

If we adopt any revision in the policy which would broaden the

Coverage under the policy without additional premium within 60

days prior to or during the policy period, the broadened coverage

will immediately apply to the policy.

11. Premiums

a. The First Named Insured is responsible for the payment of

all premiums.

b. Within ﬁfteen days after the end of each month, the First

Named Insured:

(1) Will report to the Agent the total number of Covered Property

units that were covered under the policy as of the last day of

that month; and

(2) Will remit the monthly premium to us through the Agent

based on that report.

For Line Based Coverage, the monthly premium will be

calculated by multiplying the Monthly Premium Rate per unit

of Covered Property by the total number of such units.

For Account Based Coverage, the monthly premium will be

calculated by summing the applicable Monthly Premium Rates

for accounts enrolled in Account Based Coverage.

c. The First Named Insured may request that Additional Insureds

be billed for the Monthly Premium Rate applicable to their

Covered Property.

If the First Named Insured provides monthly billing and collection

services for the Agent, all funds collected by the First Named

Insured are our property.

We may examine and audit the First Named Insured’s books and

records relating to such premium payments and reporting at any

time during the policy period and up to three years afterward.

12. Transfer of Rights and Duties Under The Policy (Assignment)

No rights and duties under the policy may be transferred without our

written consent.

13. Transfer of Rights of Recovery Against Others To Us

(Subrogation)

If after we have made good the covered loss or damage, any Insured

has rights to recover damages from another, and those rights are

transferred to us to the extent of our cost of repair or replacement. The

Insured must do everything necessary to secure our rights and must do

nothing after loss or damage to impair them.

DISCLOSURE – TERRORISM RISK INSURANCE ACT

In accordance with the Terrorism Risk Insurance Act, including all

amendments, (“TRIA” or the “Act”), we are required to provide you with a

notice of the portion of your premium attributable to coverage for “certiﬁed

acts of terrorism,” the federal share of payment of losses from such acts,

and the limitation or “cap” on our liability under the Act.

Disclosure of Premium: The Company has made available coverage for

“certiﬁed acts of terrorism” as deﬁned in the Act. If purchased, the portion

of your premium attributable to coverage for “certiﬁed acts of terrorism” is

shown in the Declarations, Declarations Extension Schedule or elsewhere

by endorsement in your policy.

Federal Participation In Payment Of Terrorism Losses: If an individual

insurer’s losses from certiﬁed acts of terrorism exceed a deductible amount

speciﬁed in the Act, the federal government will reimburse the insurer for

the Federal Share of losses paid in excess of the deductible, but only if

aggregate industry losses from such acts exceed the “Program Trigger”.

The Federal Share and Program Trigger by calendar year are: Calendar Year

2015: Federal Share 85% - Program Trigger $100,000,000. Calendar Year

2016: Federal Share 84% - Program Trigger $120,000,000. Calendar Year

2017: Federal Share 83% - Program Trigger $140,000,000. Calendar Year

2018: Federal Share 82% - Program Trigger $160,000,000. Calendar Year

2019: Federal Share 81% - Program Trigger $180,000,000. Calendar Year

2020: Federal Share 80% - Program Trigger $200,000,000.

Cap On Insurer Participation In Payment Of Terrorism Losses: If

aggregate insured losses attributable to “certiﬁed acts of terrorism” exceed

$100 billion in a calendar year and we have met our deductible under the

Act, we shall not be liable for the payment of any portion of the amount

of such losses that exceeds $100 billion. Nor shall Treasury make any

payment for any portion of the amount of such losses that exceeds $100

billion. In such case, insured losses up to that amount are subject to pro

rata allocation in accordance with procedures established by the Secretary

of the Treasury.

STATE CHANGES TO THE LIBERTY INSURANCE

UNDERWRITERS INC. WIRELESS COMMUNICATIONS

EQUIPMENT COVERAGE INSURANCE POLICY

This document summarizes state required changes to the Terms and

Conditions of the Liberty Insurance Underwriters Inc. Wireless Communications

Equipment Coverage Insurance Policy (“Policy”).

Cancellation

The states listed below required us to amend or add to certain provisions of

the Policy related to cancellation by the insurer that are found in ADDITIONAL

CONDITIONS 3.b. (“How We Cancel”). These required state amendments

were either changes to the number of days’ notice required to be given for

particular reason(s) for cancellation or additional language to the provision.

Each state’s amendment is described below.

If your state is NOT listed, it did not amend ADDITIONAL CONDITIONS

3.b. and all reasons for cancellation and the required notices listed in

ADDITIONAL CONDITIONS 3.b. apply to you as outlined in the Policy Terms

and Conditions. If your state IS listed below, ADDITIONAL CONDITIONS 3.b.

as outlined in the Policy Terms and Conditions applies to you with the below

changes or additions incorporated into ADDITONAL CONDITIONS 3.b.

Colorado, Connecticut, Kansas and Mississippi: We may cancel your

coverage for nonpayment of premium with at least 15 days’ notice.

Georgia, Hawaii, Illinois and Ohio: We may cancel or change the terms

and conditions with at least 60 days’ notice unless we cancel for other

reasons set forth in the policy.

Idaho: You are entitled to reject changes to the terms and conditions and

receive a pro-rata refund within 60 days’ from our receipt of your notice.

Iowa: We will continue enrollment until 30 calendar days after notice

of cancellation is provided to the Additional Insured if timely notice of

cancellation was not sent following the Additional Insured’s exhaustion of

the Aggregate Limit of Liability.

Maryland: We may cancel or change the terms and conditions with at

least 60 days’ notice unless we cancel for other reasons set forth in the

policy. We may cancel your coverage for nonpayment of premium with

at least 10 days’ notice. We may cancel with at least 45 days’ notice

for fraud or material misrepresentation. We will send notice within 15

business days if the aggregate limit is exhausted. Notice will not be sent

if substantially similar coverage has been obtained from another insurer

without any lapse of coverage. The Wireless Service Provider must give 45

days’ notice if it cancels.

Montana: We may cancel your coverage for nonpayment of premium with

at least 10 days’ notice.

Nebraska: We may cancel or change the terms and conditions with at

least 60 days’ notice unless we cancel for other reasons set forth in the

policy. We may cancel your coverage for nonpayment of premium with at

least 15 days’ notice.

Nevada: We may cancel with at least 10 days’ notice for fraud or material

misrepresentation.

New York: We may cancel or change the terms and conditions with at least

60 days’ notice unless we cancel for other reasons set forth in the policy.

We may cancel your coverage for nonpayment of premium with at least 15

days’ notice. We will send notice within 15 business days if the aggregate

limit is exhausted. Notice will not be sent if substantially similar coverage has

been obtained from another insurer without any lapse of coverage.

North Dakota: We may change the terms and conditions with at least 30

days’ notice. If coverage has been in effect for less than 90 days, we may

cancel for any reason with at least 10 days’ notice or at least 30 days’ for

fraud or intentional misrepresentation. If coverage has been in effect for 90

days or more, we may cancel with at least 10 days’ notice for nonpayment of

premium, and at least 30 days’ notice for: fraud or misrepresentation; actions

that substantially increase or change the risk; refusal to eliminate known

conditions that increase the potential for loss, after notiﬁcation; substantial

change in risk assumed, unless reasonably foreseen; our loss of reinsurance;

or a determination by the insurance commissioner that the continuation of

the coverage could place us in violation of North Dakota insurance laws. We

may elect not to renew the policy with at least 60 days’ notice. We will not

mail or deliver notice of nonrenewal if you have obtained substantially similar

coverage or accepted replacement coverage from another insurer.

Oregon: We may cancel or change the terms and conditions with at least

60 days’ notice unless we cancel for other reasons set forth in the policy.

We may cancel your coverage for nonpayment of premium with at least 15

days’ notice.

Pennsylvania: We may cancel or change the terms and conditions with

at least 60 days’ notice unless we cancel for other reasons set forth in the

policy. We may cancel your coverage for nonpayment of premium with at

least 30 days’ notice.

South Dakota: We may cancel or change the terms and conditions with

at least 20 days’ notice unless we cancel for other reasons set forth in the

policy. We may cancel your coverage for nonpayment of premium or for

fraud or material misrepresentation with at least 20 days’ notice.

Utah: We may cancel with at least 30 days’ notice for fraud or material

misrepresentation in obtaining coverage or in the presentation of a

claim thereunder.

Washington: We may cancel or nonrenew the policy or change the

terms and conditions with at least 30 days’ notice unless we cancel for

other reasons set forth in the policy. We may cancel your coverage for

nonpayment of premium with at least 10 days’ notice. We may not increase

premiums or deductibles or otherwise restrict coverage more than once in

any 6 month period.

Wyoming: We may cancel your coverage for nonpayment of premium

at least 10 days’ notice. We may cancel immediately for fraud or

material misrepresentation.

Arbitration

Certain states required us to amend or add to certain provisions found in

ADDITIONAL CONDITIONS G.1. (“Arbitration Agreement”) of the Policy as

described below. If your state is not listed, it did not amend ADDITIONAL

CONDITIONS G.1., and all of the provisions of ADDITIONAL CONDITIONS

G.1. apply as outlined in the Policy Terms and Conditions.

Arkansas and South Dakota: In the event a dispute has arisen,

arbitration is voluntary and nonbinding, resolved before a single Arbitrator,

in your county or place of business, and governed by the American

Arbitration Association (“AAA”) in accordance with its Wireless Industry

Rules and Procedures in effect at the time the arbitration is agreed to. (All

other terms of Paragraph 1, G. ADDITIONAL CONDITIONS apply.)

District of Columbia, Kansas, Montana, Oklahoma, and Vermont:

Arbitration is voluntary and non-binding provided you reject the arbitration

decision in writing to us within forty-ﬁve (45) days of the decision. (All other

terms of Paragraph 1, G. ADDITIONAL CONDITIONS apply.)

Georgia, Louisiana and Nevada: The “Arbitration Agreement” provision

does not apply.

Kentucky, Maine and Wyoming: Arbitration is non-binding provided you

reject the decision and ﬁle a legal proceeding in the appropriate federal,

state or local court, based on the same issue and facts as raised by you

in the arbitration proceeding within forty-ﬁve (45) days of the decision.

Under no circumstances shall a legal proceeding be ﬁled in a federal,

state or local court until such time as both you and we ﬁrst address our

disagreement in an arbitration proceeding and obtain an arbitration award

pursuant to this arbitration provision. (All other terms of Paragraph 1, G.

ADDITIONAL CONDITIONS apply.)

Massachusetts: Arbitration is voluntary.

Missouri: Arbitration is voluntary. If you and we agree to arbitrate, then

you and we agree that the resolution of the dispute will be governed by the

Arbitration Agreement. (All other terms of Paragraph 1, G. ADDITIONAL

CONDITIONS apply.)

Oregon: Arbitration is non-binding provided you reject the decision and ﬁle

a legal proceeding in the appropriate federal, state or local court, based

on the same issue and facts as raised by you in the arbitration proceeding

within forty-ﬁve (45) days of the arbitrator’s award. Under no circumstances

shall a legal proceeding be ﬁled in a federal, state or local court until such

time as both you and we ﬁrst address our disagreement in an arbitration

proceeding and obtain an arbitration award pursuant to this arbitration

provision. Any arbitration shall be administered in accordance with the

Arbitration Rules unless any procedural requirement of the Arbitration Rules

is inconsistent with the Oregon Uniform Arbitration Act in which case the

Oregon Uniform Arbitration Act shall control. (All other terms of Paragraph

1, G. ADDITIONAL CONDITIONS apply.)

Washington: 1) Arbitration is non-binding provided you reject the

arbitration decision in writing to us within forty-ﬁve (45) days of the

arbitrator’s award. Under no circumstances shall a legal proceeding be

ﬁled in a federal, state or local court until such time as both you and we

ﬁrst address our disagreement in an arbitration proceeding and obtain an

arbitration award pursuant to this arbitration provision. 2) The following

sentence is deleted from Paragraph 1, G. ADDITIONAL CONDITIONS:

This policy evidences a transaction in interstate commerce, and thus the

Federal Arbitration Act governs the interpretation and enforcement of this

Arbitration Agreement. (All other terms of Paragraph 1, G. ADDITIONAL

CONDITIONS apply.)

West Virginia: Arbitration is voluntary. Each party will select an arbitrator.

The two arbitrators will select a third arbitrator. If they cannot agree upon

the selection of a third arbitrator within 30 days, both parties must request

the selection of a third arbitrator be made by a judge of a court having

jurisdiction. A decision agreed to by any two will be binding. Payment of the

arbitrator’s fee shall be made by us if coverage is found to exist. If coverage

is not found, each party will: (a) pay its chosen arbitrator; and (b) bear the

other expenses of the third arbitrator equally.

Miscellaneous

Michigan: The following notice is required: This policy is exempt from

the ﬁling requirements of section 2236 of the insurance code of 1956,

1956 PA 218, MCL 500.2236.

Canc/Arb Sum v.3 02/19

Not Insurance or Service Contract

VERIZON WIRELESS TECH COACH TERMS OF SERVICE

Your use of Verizon Wireless Tech Coach (“Services”) is subject to the

Tech Coach Terms of Service described below; Your use is also subject

to the Verizon Wireless Customer Agreement, which is available at www.

verizonwireless.com. Please read both the Tech Coach Terms of Service

and the Verizon Wireless Customer Agreement, and do not use the Services

if You disagree with them. Additional information about the Services is

available at www.verizonwireless.com.

Supported Devices & Use of Services.

The Services are available for devices associated with each line enrolled

in either the Total Mobile Protection programs (includes “TMP” or “TMP

Multi-Device,” hereinafter collectively referred to as “TMP”) or Tech Coach

(“Supported Devices”). To use the Services, You must have an active

Verizon Wireless account and a Supported Device, and You must provide

Us with the wireless number associated with Your Supported Device when

seeking Services. Data usage charges may apply to the Services, and You

are solely responsible for their payment. In some circumstances, You may

need to supply or purchase additional equipment or software to receive

the full beneﬁt of the Services, and You are responsible for the cost of that

equipment or software.

Scope of the Services.

The Services include: (a) technical support for Your Supported Devices and

the operating systems and software applications on it; (b) technical support

for the use of Your Supported Devices with other devices and services

manufactured to be compatible with Your Supported Device or intended

to be connected to it; and (c) for select Supported Devices, in select

locations, TMP customers may be eligible for same-day delivery services for

replacements provided under their insurance program and device setup by a

delivery and setup expert (“Setup Services”). Setup Services provided with

same-day delivery for replacements under TMP may include activation, data

migration services and/or initial device conﬁguration and connectivity.

The Services do not include: (a) assistance with wireless network coverage

issues, such as dropped calls/data interruptions; (b) facilitating or activating

over-the-air updates to operating systems, ﬁrmware, or other software on

Your behalf; (c) diagnostic support unrelated to Your Supported Device;

(d) modiﬁcation of Original Equipment Manufacturer (“OEM”) software; (e)

installation of third-party software or OEM drivers not supported by the

Supported Device; (f) setup, support or repair of computers, peripherals

or home or wireless routers, modems or networks; (g) installation of

non-sanctioned applications; (h) data migration from computer device

to computer device; or (i) assistance with specialized devices related to

medical care, including but not limited to, emergency assistance/ﬁrst

responder devices.

From time to time, Verizon Wireless may make available to You certain

optional promotional offers that are separate from the Services.

Tech Coach Mobile Application.

The Services also include access to the Tech Coach Mobile Application

(“App”) that is provided to You directly by Asurion Mobile Applications, LLC.

The App provides several functions, including access to the Services through

click-to-call, click-to-chat, self-help information, and educational notiﬁcations;

and may at a future date provide other functions including backup of photos

and videos and password management and other device and identity security

features. The App is subject to a separate end-user license agreement

available at www.phoneclaim.com/verizon/techcoachapp/terms/, which is

independent of the Tech Coach Terms of Service and Verizon Wireless Terms

of Service.

Same-day Replacement Delivery and Setup Services.

If You are enrolled in TMP, and located in a market where same-day

delivery is available, You may be eligible to receive Your replacement device

on the same-day You ﬁle Your insurance claim and it is approved for a

replacement. Only claims ﬁled by 4:00 p.m., local time, and that meet the

eligibility requirements, may receive a replacement device from a delivery

and setup expert by 9 p.m., local time, on the same-day their claim was ﬁled

and approved. Your device’s eligibility for this service is determined at the

time an insurance claim is made and approved. Limitations and exclusions

may apply.

Setup Services will not include dismantling or installation of

equipment unrelated to the replacement device. In order to be eligible for

Setup Services, someone at least 18 years of age must be present at all

times while the delivery and setup expert is on site and performing the

requested Setup Services. The delivery and setup expert will contact You

prior to delivering Your replacement device and Setup Services to verify the

delivery window. If You do not conﬁrm Your availability for Your scheduled

delivery and Setup Services, Tech Coach reserves the right to cancel Your

delivery and Setup Services. If eligible for Setup Services, You may be

required to sign a consent form to perform the requested services prior to

any services being performed. You agree to provide a safe, non-threatening

environment for the delivery and setup expert to perform the Setup Services.

The delivery and setup expert has the right to terminate Setup Services if

they feel that You are not complying with any requirements contained in

this Agreement or any consent provided prior to the initiation of the Setup

Services. Setup Services will continue until completion only if completion

can occur within a reasonable amount of time, reasonableness will be at the

discretion of the delivery and setup expert. In the event the Setup Services

are stopped prior to Your device setup being complete, You may continue the

Setup Services by calling a Tech Coach or clicking on the Tech Coach App.

Backup of Software and Data.

You are responsible for backing up the software or data stored on Your

Supported Device and other devices included in the Services. Verizon

Wireless is not responsible for any loss, alteration or corruption of any

software or data, and We may decline to provide Services to You if it is

determined that You have not taken appropriate back-up measures.

Commercially Reasonable Efforts.

Verizon Wireless will use commercially reasonable efforts to provide the

Services. This means that if We are unable to resolve Your issue after

making commercially reasonable efforts, We have the right and discretion to

refuse to take further efforts to do so. Additionally, in some instances, We

may have limited information from vendors, manufacturers and developers,

and We may not have the ability to obtain the proprietary or other information

required to resolve Your issue. Some technical problems that You encounter

may be the result of software or hardware errors not yet resolved by the

vendors, manufacturers or developers of that software or hardware, in which

case We may not be able to resolve Your issue. In those circumstances, You

still are liable for any fees or charges associated with the Services.

Remote Access Applications.

To receive Services, You may be required to run certain software

applications on Your Supported Device and other devices included in the

Services (“Software”). The Software may include tools that allow Verizon

Wireless to access Your devices and any content stored thereon remotely.

You agree to comply with the terms applicable to the Software, and in

the event of a conﬂict between those terms and the Tech Coach Terms

of Service and the Verizon Wireless Customer Agreement, the Software-

speciﬁc terms control with regard to the Software only. You acknowledge

and agree that You will not copy or modify the Software or any other

materials provided to You in connection with the Services.

Representations and Authorizations.

When seeking Services, You represent that You are the owner or an

authorized user of the Supported Device or other devices included in the

Services, as well as any software thereon, and We reserve the right to

refuse to provide Services to You, if We determine that You are not the

owner or authorized user. When seeking Services, You: (a) expressly consent

to Tech Coaches remotely accessing Your Supported Device, other devices

included in the Services and any data, videos, pictures, text messages

or other content thereon; (b) expressly authorize Tech Coaches to effect

changes to Your devices, to the extent necessary to provide the Services,

and You acknowledge and agree that such changes may be permanent and

irreversible; and (c) if eligible, and choose to have Your replacement device

under TMP delivered to you same-day, with Setup Services, expressly

authorize a delivery and setup expert to deliver Your replacement device

to Your home (or designated address), and consent to a delivery and setup

expert performing certain Setup Services, in Your home (or designated

address), subject to this Agreement.

Passwords.

If You know or suspect that the passwords associated with or stored on

Your Supported Device have been available to or accessed by anyone as a

result of Your use of the Services, You should immediately change or reset

those passwords.

Claim Limitation.

Subject to the Arbitration provision in your Verizon Wireless Customer

Agreement and unless otherwise allowed by applicable law, any claim

related to the Services shall be brought within one (1) year of the events

giving rise to the claim. Failure to assert any such claim during that time

results in the claim being forever barred.

Right to Terminate.

Verizon Wireless reserves the right to suspend or terminate Your use of

the Services at any time and for any reason, including for abuse, excessive

usage or failure to pay any fees or charges associated with the Services.

We also reserve the right to change the scope or extent of the Services

at any time and for any reason. Any refund of fees or charges associated

with the Services that We may agree to pay in such circumstances will

be limited to the fees You paid in the prior month for the Services. If You

wish to terminate Your access to the Services, please contact Us by calling

(800) 922-0204 or visiting www.verizonwireless.com.

Same-day delivery is available in select locations and for select devices.

Check www.phoneclaim.com/verizon to determine if Your device is eligible

and to determine markets where same-day delivery is available.

SERVICE CONTRACT

I. FEE:

You will be billed a monthly fee in the amount of $5.00, in New York

$3.90 or $4.15, based on device type, in advance, to receive this

Service Contract unless you purchase this protection as part of a

program bundle. If you purchase this protection as a part of a program

bundle your charges will be as listed below:

Program

Name

Program

Price

Service

Contract Price

Total

Equipment

Coverage

$7.00 or $11.00 $3.90 or $4.15

Total Mobile

Protection

$12.00 or

$15.00

$3.90 or $4.15

Total Mobile

Protection

Multi-Device

$45.00

$10.65

ﬁrst 3 lines

$3.75 each

additional line

Total Mobile

Protection for

Business

$45.00 $10.65

The fee for this Service Contract is based on the device protection

program you select.

Verizon Wireless may change the monthly charge, the administration, or

the terms and conditions of this Service Contract from time to time upon

thirty (30) days written notice to you. Your continued payment of the

charges, after such notice, constitutes your acceptance of any changes.

If you change your protection program selection, the fee may change.

PLEASE REFER TO SECTION XII. OF THIS SERVICE CONTRACT FOR

STATE SPECIFIC PROVISIONS THAT MAY APPLY TO YOU.

II. WHAT THIS SERVICE CONTRACT COVERS:

During the term of the Service Contract, Verizon Wireless will

pay for the cost of expedited shipping of your individually owned

wireless device (hereinafter the “Product”) in the event you require a

replacement. If there is a defect (including pre-existing) in the material

and/or workmanship of your Product after the original equipment

manufacturer’s warranty, and the Product has been subject only

to normal use and service, Verizon Wireless agrees to, at its sole

discretion, repair it, or replace it with a device of comparable kind and

quality at no charge, provided that you return it in accordance with the

terms of this Service Contract. If failure occurs in the Product’s battery

due to defect in the material and/or workmanship, after the original

equipment manufacturer’s warranty, Verizon Wireless will repair, or

at its sole option, replace, the battery. The replacement device you

receive may be a new or reconditioned device of equal or comparable

value to the Product. Non-original manufacturer’s parts may be used

in reconditioned devices or in covered repairs. All Products replaced

by Verizon Wireless shall become the property of Verizon Wireless.

THIS SERVICE CONTRACT COVERS THE WIRELESS DEVICE ONLY

AND NOT ITS ACCESSORIES, INCLUDING THOSE CONTAINED WITHIN

THE PRODUCT IN THE ORIGINAL PACKAGING FROM THE ORIGINAL

EQUIPMENT MANUFACTURER.

III. WHAT THIS SERVICE CONTRACT DOES NOT COVER:

A. Defects or damage resulting from use of the Product in other than

its normal and customary manner;

B. Defects or damage from misuse, abuse, accident or neglect;

C. Defects or damage from improper operation, maintenance,

installation, adjustment or any alteration or modiﬁcation of any kind;

D. Products disassembled or repaired in such a manner as to

adversely affect performance or prevent adequate inspection and

testing to verify any claim;

E. Products with labels removed or illegible serial numbers;

F. Defects or damage due to spills of or immersion in food or liquid;

G. Scratches on all plastic surfaces and externally exposed parts

resulting from normal use;

H. Damage resulting from normal wear and tear;

I. Defects or damage covered by the original equipment

manufacturer’s warranty; and/or

J. Damage caused by abuse, intentional acts, or the use of the

Product in a manner inconsistent with the use for which it

was designed, intended or advised by the original equipment

manufacturer or that would void such manufacturer’s warranty.

IV. HOW LONG THIS SERVICE CONTRACT LASTS:

Verizon Wireless will provide the beneﬁts described in Paragraph ll.

beginning on the date your Verizon Wireless service is activated on

the Product and the services under this Service Contract are added to

your account, and will continue to provide such beneﬁts on a month-

to-month basis for as long as you subscribe to this program or for the

duration of your continuous active service with Verizon Wireless using

the Product, whichever occurs ﬁrst. Activation will be deemed to be no

later than ﬁfteen (15) days from the date of delivery of the Product to

you, the owner.

V. HOW TO GET YOUR PRODUCT REPAIRED OR REPLACED UNDER

THIS SERVICE CONTRACT:

At Verizon Wireless’ sole discretion, claim fulﬁllment will be provided

at select Verizon Wireless operated retail stores, or by calling Verizon

Wireless at (866) 406-5154 (toll free from a landline phone). Your

Product may be repaired or replaced at a Verizon Wireless Authorized

Repair Facility. If there are no Verizon Wireless Authorized Repair

Facilities available in your area, Verizon Wireless will provide you with

a replacement device. In the event Verizon Wireless arranges for the

repair of the Product, you may be required to deliver your Product for

repair as directed by Verizon Wireless. If Verizon Wireless arranges

for the replacement of your Product, the replacement device will be

shipped directly to you within 5 business days, or you may be required

to pick-up the replacement device at a Verizon Wireless retail location in

your area. Once you receive your replacement device, you must return

your defective Product to Verizon Wireless in the shipping package

we include with the replacement device within ﬁve (5) days. If you do

not return your defective Product or if you return a Product that is not

covered pursuant to Section III of this Service Contract, you will be

charged up to the full retail price of the replacement device, which may

exceed $800. However, if you are notiﬁed by us that your Product is

damaged due to something that is not covered by this Service Contract,

you may return the replacement device to Verizon Wireless in the

shipping package it came in to avoid being charged the value of the

replacement device. Replacement devices and accessories returned

must be in like-new condition to avoid being charged a fee.

VI. REQUIRED CLAIM SERVICE FEE:

There is no claim service fee.

VII. YOUR OBLIGATIONS UNDER THIS SERVICE CONTRACT:

You must use the Product in a normal way; you must protect against

further damage to the Product if there is a covered defect; you must

follow the Product’s instruction manual.

VIII. HOW AND WHEN YOU OR WE MAY TERMINATE THIS

SERVICE CONTRACT:

Subject to any State Speciﬁc Requirements set forth in Section XII, we

may terminate this Service Contract at any time. You may terminate

this Service Contract at any time by visiting any Verizon Wireless

operated retail location, calling (866) 406-5154 (toll free from a

landline phone), or by visiting the MyVerizon page at verizonwireless.

com and requesting cancellation. If your wireless service with

Verizon Wireless is terminated or expires for any reason, you will be

deemed to have terminated this Service Contract. If Verizon Wireless

terminates this Service Contract you will receive a prorated refund

of the most recent monthly fee paid. Cancellation of this Service

Contract by Verizon Wireless will be effective no less than thirty (30)

days after you receive notice of cancellation. The notice will state

the effective date of and reason for cancellation. If you terminate this

Service Contract within thirty (30) days of activation of service or other

authorized enrollment under this Service Contract plan, whichever is

later, and no claim has been made hereunder you will receive a full

refund of any amounts paid for it. If you cancel this Service Contract

within this time period we will provide you with a refund no later than

thirty (30) days after you notify us that you wish to cancel. If we do

not provide the refund to you within this time period, you are entitled

to receive a refund in the amount of what you paid, plus an extra ten

percent (10%) for each month in which the refund is not provided

to you. If you terminate this Service Contract more than thirty (30)

days after activation of service or other authorized enrollment under

this Service Contract plan, whichever is later, or if a claim has been

paid during that period, you will receive a prorated refund of the most

recent monthly fee paid.

IX. OTHER CONDITIONS:

This Service Contract is extended to the original owner only and may

not be assigned or transferred to a subsequent owner. This is Verizon

Wireless’ complete Service Contract for your Product. Verizon Wireless

assumes no obligation or liability for additions or modiﬁcations to this

Service Contract unless made in writing and signed by an ofﬁcer of

Verizon Wireless. Verizon Wireless does not warrant the installation,

maintenance or service of the Product, accessories, removable batteries

or parts.

A. Verizon Wireless is not responsible in any way under this Service

Contract for any ancillary/peripheral equipment attached to or used

in connection with the Product, or for operation of the Product with

any ancillary/peripheral equipment. All such equipment is expressly

excluded from this Service Contract. Furthermore, Verizon Wireless

is not responsible for any damage to the Product resulting from the

use of ancillary/peripheral equipment not included with the Product

in the original packaging from the original equipment manufacturer.

B. When the Product is used in conjunction with ancillary/peripheral

equipment not included with the Product in the original packaging

from the original equipment manufacturer, Verizon Wireless does

not warrant and shall not supply service in connection with the

operation of the Product/peripheral/ancillary combination, and

Verizon Wireless will honor no claim where the Product is used in

such a combination and it is determined by Verizon Wireless that

there is no fault with the Product. Verizon Wireless speciﬁcally

disclaims any responsibility for any damage caused in any way

by the use of Product accessories/peripherals (speciﬁc examples

include, but are not limited to, batteries, chargers, adapters

and power supplies) when such accessories/peripherals are not

included with the Product in the original packaging from the original

equipment manufacturer.

C. IN NO EVENT SHALL VERIZON WIRELESS BE LIABLE FOR

DAMAGES IN EXCESS OF THE PURCHASE PRICE OF THE

PRODUCT OR ANY REPLACEMENT PRODUCT PROVIDED

HEREUNDER, FOR ANY LOSS OF USE, LOSS OF TIME,

INCONVENIENCE, COMMERCIAL LOSS, LOST PROFITS OR

SAVINGS OR OTHER INCIDENTAL, SPECIAL, OR CONSEQUENTIAL

DAMAGES OR PUNITIVE DAMAGES OR ATTORNEYS’ FEES

ARISING OUT OF THE USE OR INABILITY TO USE SUCH PRODUCT,

TO THE FULL EXTENT SUCH MAY BE DISCLAIMED BY LAW.

X. GENERAL PROVISIONS:

A. This Service Contract sets forth our responsibilities regarding

the Product. Repair or replacement of the Product, as described

herein, is your exclusive remedy. THIS DOCUMENT IS NOT A

WARRANTY OR INSURANCE.

B. Obligations of Verizon Wireless under this Service Contract are

backed by the full faith and credit of Verizon Wireless.

XI. OTHER RIGHTS:

This Service Contract gives you speciﬁc legal rights. You may have

additional rights that vary from state to state.

HOW DO I RESOLVE DISPUTES WITH VERIZON?

WE HOPE TO MAKE YOU A HAPPY CUSTOMER, BUT IF THERE’S

AN ISSUE THAT NEEDS TO BE RESOLVED, THIS SECTION

OUTLINES WHAT’S EXPECTED OF BOTH OF US.

YOU AND VERIZON BOTH AGREE TO RESOLVE DISPUTES

ONLY BY ARBITRATION OR IN SMALL CLAIMS COURT. YOU

UNDERSTAND THAT BY THIS AGREEMENT YOU ARE GIVING

UP THE RIGHT TO BRING A CLAIM IN COURT OR IN FRONT

OF A JURY. WHILE THE PROCEDURES MAY BE DIFFERENT,

AN ARBITRATOR CAN AWARD YOU THE SAME DAMAGES

AND RELIEF, AND MUST HONOR THE SAME TERMS IN THIS

AGREEMENT, AS A COURT WOULD. IF THE LAW ALLOWS FOR AN

AWARD OF ATTORNEYS’ FEES, AN ARBITRATOR CAN AWARD

THEM TOO. WE ALSO BOTH AGREE THAT:

(1) THE FEDERAL ARBITRATION ACT APPLIES TO THIS AGREEMENT.

EXCEPT FOR SMALL CLAIMS COURT CASES, ANY DISPUTE THAT

IN ANY WAY RELATES TO OR ARISES OUT OF THIS AGREEMENT

OR FROM ANY EQUIPMENT, PRODUCTS AND SERVICES YOU

RECEIVE FROM US (OR FROM ANY ADVERTISING FOR ANY SUCH

PRODUCTS OR SERVICES), INCLUDING ANY DISPUTES YOU HAVE

WITH OUR EMPLOYEES OR AGENTS, WILL BE RESOLVED BY

ONE OR MORE NEUTRAL ARBITRATORS BEFORE THE AMERICAN

ARBITRATION ASSOCIATION (“AAA”) OR BETTER BUSINESS

BUREAU (“BBB”). YOU CAN ALSO BRING ANY ISSUES YOU MAY

HAVE TO THE ATTENTION OF FEDERAL, STATE, OR LOCAL

GOVERNMENT AGENCIES, AND IF THE LAW ALLOWS, THEY

CAN SEEK RELIEF AGAINST US FOR YOU. THIS AGREEMENT

TO ARBITRATE CONTINUES TO APPLY EVEN AFTER YOU HAVE

STOPPED RECEIVING SERVICE FROM US.

(2) UNLESS YOU AND VERIZON AGREE OTHERWISE, THE

ARBITRATION WILL TAKE PLACE IN THE COUNTY OF YOUR

BILLING ADDRESS. FOR CLAIMS OVER $10,000, THE AAA’S

CONSUMER ARBITRATION RULES WILL APPLY. FOR CLAIMS

OF $10,000 OR LESS, THE PARTY BRINGING THE CLAIM

CAN CHOOSE EITHER THE AAA’S CONSUMER ARBITRATION

RULES OR THE BBB’S RULES FOR BINDING ARBITRATION

OR, ALTERNATIVELY, CAN BRING AN INDIVIDUAL ACTION IN

SMALL CLAIMS COURT. YOU CAN GET PROCEDURES, RULES

AND FEE INFORMATION FROM THE AAA (WWW.ADR.ORG),

THE BBB (WWW.BBB.ORG) OR FROM US. FOR CLAIMS OF

$10,000 OR LESS, YOU CAN CHOOSE WHETHER YOU’D LIKE

THE ARBITRATION CARRIED OUT BASED ONLY ON DOCUMENTS

SUBMITTED TO THE ARBITRATOR, OR BY A HEARING IN PERSON

OR BY PHONE.

(3) THIS AGREEMENT DOESN’T ALLOW CLASS OR COLLECTIVE

ARBITRATIONS EVEN IF THE AAA OR BBB PROCEDURES

OR RULES WOULD. NOTWITHSTANDING ANY OTHER

PROVISION OF THIS AGREEMENT, THE ARBITRATOR

MAY AWARD MONEY OR INJUNCTIVE RELIEF ONLY IN

FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND

ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF

WARRANTED BY THAT PARTY’S INDIVIDUAL CLAIM. NO

CLASS OR REPRESENTATIVE OR PRIVATE ATTORNEY

GENERAL THEORIES OF LIABILITY OR PRAYERS FOR

RELIEF MAY BE MAINTAINED IN ANY ARBITRATION HELD

UNDER THIS AGREEMENT. ANY QUESTION REGARDING THE

ENFORCEABILITY OR INTERPRETATION OF THIS PARAGRAPH

SHALL BE DECIDED BY A COURT AND NOT THE ARBITRATOR.

(4) IF EITHER OF US INTENDS TO SEEK ARBITRATION UNDER THIS

AGREEMENT, THE PARTY SEEKING ARBITRATION MUST FIRST

NOTIFY THE OTHER PARTY OF THE DISPUTE IN WRITING AT

LEAST 30 DAYS IN ADVANCE OF INITIATING THE ARBITRATION.

NOTICE TO VERIZON SHOULD BE SENT TO VERIZON WIRELESS

DISPUTE RESOLUTION MANAGER, ONE VERIZON WAY

VC54S092C, BASKING RIDGE, NJ 07920. THE NOTICE MUST

DESCRIBE THE NATURE OF THE CLAIM AND THE RELIEF BEING

SOUGHT. IF WE ARE UNABLE TO RESOLVE OUR DISPUTE WITHIN

30 DAYS, EITHER PARTY MAY THEN PROCEED TO FILE A CLAIM

FOR ARBITRATION. WE’LL REIMBURSE ANY FILING FEE THAT

THE AAA OR BBB CHARGES YOU FOR ARBITRATION OF THE

DISPUTE. IF YOU PROVIDE US WITH SIGNED WRITTEN NOTICE

THAT YOU CANNOT PAY THE FILING FEE, VERIZON WILL PAY

THE FEE DIRECTLY TO THE AAA OR BBB. IF THAT ARBITRATION

PROCEEDS, WE’LL ALSO PAY ANY ADMINISTRATIVE AND

ARBITRATOR FEES CHARGED LATER.

(5) WE ALSO OFFER CUSTOMERS THE OPTION OF PARTICIPATING

IN A FREE INTERNAL MEDIATION PROGRAM. THIS PROGRAM IS

ENTIRELY VOLUNTARY AND DOES NOT AFFECT EITHER PARTY’S

RIGHTS IN ANY OTHER ASPECT OF THESE DISPUTE RESOLUTION

PROCEDURES. IN OUR VOLUNTARY MEDIATION PROGRAM, WE

WILL ASSIGN AN EMPLOYEE WHO’S NOT DIRECTLY INVOLVED

IN THE DISPUTE TO HELP BOTH SIDES REACH AN AGREEMENT.

THAT PERSON HAS ALL THE RIGHTS AND PROTECTIONS OF A

MEDIATOR AND THE PROCESS HAS ALL OF THE PROTECTIONS

ASSOCIATED WITH MEDIATION. FOR EXAMPLE, NOTHING SAID

IN THE MEDIATION CAN BE USED LATER IN AN ARBITRATION

OR LAWSUIT. IF YOU’D LIKE TO KNOW MORE, PLEASE CONTACT

US AT VERIZONWIRELESS.COM OR THROUGH CUSTOMER

SERVICE. IF YOU’D LIKE TO START THE MEDIATION PROCESS,

PLEASE GO TO VERIZONWIRELESS.COM OR CALL CUSTOMER

SERVICE FOR A NOTICE OF DISPUTE FORM TO FILL OUT, AND

MAIL, FAX OR EMAIL IT TO US ACCORDING TO THE DIRECTIONS

ON THE FORM.

(6) WE MAY, BUT ARE NOT OBLIGATED TO, MAKE A WRITTEN

SETTLEMENT OFFER ANYTIME BEFORE THE ARBITRATION

HEARING. THE AMOUNT OR TERMS OF ANY SETTLEMENT OFFER

MAY NOT BE DISCLOSED TO THE ARBITRATOR UNTIL AFTER THE

ARBITRATOR ISSUES AN AWARD ON THE CLAIM. IF YOU DON’T

ACCEPT THE OFFER AND THE ARBITRATOR AWARDS YOU AN

AMOUNT OF MONEY THAT’S MORE THAN OUR OFFER BUT LESS

THAN $5,000, OR IF WE DON’T MAKE YOU AN OFFER, AND THE

ARBITRATOR AWARDS YOU ANY AMOUNT OF MONEY BUT LESS

THAN $5,000, THEN WE AGREE TO PAY YOU $5,000 INSTEAD

OF THE AMOUNT AWARDED. IN THAT CASE WE ALSO AGREE

TO PAY ANY REASONABLE ATTORNEYS’ FEES AND EXPENSES,

REGARDLESS OF WHETHER THE LAW REQUIRES IT FOR YOUR

CASE. IF THE ARBITRATOR AWARDS YOU MORE THAN $5,000,

THEN WE WILL PAY YOU ONLY THAT AMOUNT.

(7) AN ARBITRATION AWARD AND ANY JUDGMENT CONFIRMING IT

APPLY ONLY TO THAT SPECIFIC CASE; IT CAN’T BE USED IN ANY

OTHER CASE EXCEPT TO ENFORCE THE AWARD ITSELF.

(8) IF FOR SOME REASON THE PROHIBITION ON CLASS

ARBITRATIONS SET FORTH IN SUBSECTION (3) CANNOT

BE ENFORCED AS TO ALL OR PART OF A DISPUTE, THEN

THE AGREEMENT TO ARBITRATE WILL NOT APPLY TO THAT

DISPUTE OR PART OF THE DISPUTE.

(9) IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER

THAN THROUGH ARBITRATION, YOU AND VERIZON AGREE

THAT THERE WILL NOT BE A JURY TRIAL. YOU AND VERIZON

UNCONDITIONALLY WAIVE ANY RIGHT TO TRIAL BY JURY IN

ANY ACTION, PROCEEDING OR COUNTERCLAIM ARISING OUT

OF OR RELATING TO THIS AGREEMENT IN ANY WAY. IN THE

EVENT OF LITIGATION, THIS PARAGRAPH MAY BE FILED TO

SHOW A WRITTEN CONSENT TO A TRIAL BY THE COURT.

XII. STATE SPECIFIC PROVISIONS

A. For residents of California, if you cancel this Service Contract thirty

(30) days after receipt of this Service Contract, and no claim has

been made hereunder you will receive a full refund of any amounts

paid for it. If we fail to provide you with a refund within thirty (30)

days of you notifying Verizon Wireless that you wish to cancel you

are entitled to receive an extra ten percent (10%) for each month,

or fraction thereof, in which your money is not refunded.

B. For residents of Connecticut, you may ﬁle a claim with Liberty

Mutual Insurance Company, 175 Berkeley Street, Boston,

Massachusetts 02116 directly if Verizon Wireless fails to

perform according to the terms hereof. The second Section VIII.

is deleted and replaced with the following: “You may terminate

this Service Contract at any time for any reason by visiting any

Verizon Wireless operated retail location, calling (866) 406-5154

(toll free from a landline phone), or by visiting the MyVerizon

page at verizonwireless.com and requesting cancellation.” Any

disputes between Verizon Wireless and residents of Connecticut

arising under this Service Contract shall be decided by an

arbitration process. A written complaint containing a description

of the dispute, the purchase price, and a copy of the Service

Contract form can be mailed to: State of Connecticut, Insurance

Department, P.O. Box 816,Hartford, CT 06142- 0816, Attn.:

Consumer Affairs.

C. For residents of Georgia, this Service Contract can only be

terminated by Verizon Wireless before the expiration of the monthly

term for fraud, material misrepresentation or your failure to pay

amounts due hereunder. You may ﬁle a claim with Liberty Mutual

Insurance Company, 175 Berkeley Street, Boston, Massachusetts

02116, directly if Verizon Wireless does not honor your claim

within sixty (60) days after you ﬁled your proof of loss. All

cancellations will conform to OCGA 33-24-44. Section XI. of this

Service Contract does not preclude you from bringing issues to

the attention of federal, state, or local agencies or entities of your

dispute. Such agencies or entities may be able to seek relief on

your behalf.

D. For residents of Kentucky, you may ﬁle a claim with Liberty Mutual

Insurance Company, 175 Berkeley Street, Boston, Massachusetts

02116, directly if Verizon Wireless does not honor your claim within

sixty (60) days after you ﬁled your proof of loss.

E. For residents of Nevada, Verizon Wireless may not terminate

this Service Contract before the expiration of the monthly term,

if the Service Contract has been in effect for seventy (70) days,

except if you: (1) fail to pay an amount when due; (2) commit

fraud or make a material misrepresentation in obtaining this

Service Contract, or in presenting a claim; or (3) perform any

act or omission or violate any condition of this Service Contract

after its effective date that substantially and materially increases

the service required under this Service Contract. If we fail to

pay the cancellation refund as stated in Section VIII., the penalty

will be ten percent (10%) of the purchase price for each thirty

(30) day period or portion thereof that the refund and any

accrued penalties remain unpaid. In the event you do not receive

satisfaction under this Service Contract, complaints or questions

about this Service Contract may be directed to the Nevada

Department of Insurance, telephone (888) 872-3234.

F. For residents of New Hampshire: In the event you do not receive

satisfaction under this contract, you may contact the New

Hampshire Insurance Department at 21 South Fruit Street,

Suite 14, Concord, New Hampshire 03301 or (603) 271-2261.

Section XI. of this Service Contract is subject to Revised Statutes

Annotated 542.

G. For residents of New Mexico, Verizon Wireless may not terminate

this Service Contract before the expiration of the monthly term,

if the Service Contract has been in effect for seventy (70) days,

except if you: (1) fail to pay an amount when due; (2) commit fraud

or make a material misrepresentation in obtaining this Service

Contract, or in presenting a claim; (3) are convicted of a crime that

results in an increase in the service required under this Service

Contract; or (4) perform any act or omission or violate any condition

of this Service Contract that substantially and materially increases

the service required under this Service Contract.

H. For residents of New York, notwithstanding Section V. of this

Service Contract, Verizon Wireless does not provide any repair or

replacement services in its stores in New York City, New York. If you

have any questions about repair or replacement services, contact

Verizon Wireless at (866) 406-5154 (toll free from a landline phone).

I. For residents of North Carolina, Verizon Wireless may terminate

this Service Contract before the expiration of the monthly term

only if you fail to pay an amount when due or you violate any

term of this Service Contract. The purchase of this Service

Contract is not required either to purchase or to obtain ﬁnancing

for the Product.

J. For residents of Oregon, Section XI. is replaced with the

following: IN THE EVENT WE CANNOT RESOLVE ANY

DISPUTE, YOU AND WE MAY, IN A SEPARATE AGREEMENT,

CONSENT TO ARBITRATION. YOU AND VERIZON WIRELESS

UNCONDITIONALLY WAIVE ANY RIGHT TO CLASS ACTIONS,

CLASS OR COLLECTIVE ARBITRATIONS AND A TRIAL BY JURY

IN ANY RELATED ACTION OR PROCEEDING. Any arbitration

proceedings shall be conducted within the state of Oregon.

ANY ARBITRATION OCCURRING UNDER THIS SERVICE

CONTRACT SHALL BE ADMINISTERED IN ACCORDANCE WITH

THE AAA RULES UNLESS ANY PROCEDURAL REQUIREMENT

OF THE AAA RULES IS INCONSISTENT WITH THE OREGON

UNIFORM ARBITRATION ACT IN WHICH CASE THE OREGON

UNIFORM ARBITRATION ACT SHALL CONTROL AS TO SUCH

PROCEDURAL REQUIREMENT.

K. For residents of South Carolina, in the event of a dispute with us,

you may contact the South Carolina Department of Insurance,

Capital Center, 1201 Main Street, Suite 1000, Columbia, SC 29201

800-768-3467.

L. For residents of Texas, if you cancel this Service Contract at

any time Verizon Wireless will provide you with the refund due

under this Service Contract no later than forty-ﬁve (45) days

after you notify Verizon Wireless that you wish to cancel. If

Verizon Wireless does not refund your money during this time

period, you are entitled to receive the refund due, plus an extra

ten percent (10%) for each month in which your money is not

refunded. Unresolved complaints or questions concerning this

Service Contract may be addressed to the Texas Department of

Licensing and Regulation at P.O. Box 12157, Austin, Texas 78711

or (512) 463-6599.

M. For residents of Virginia, if any promise made in the contract has

been denied or has not been honored within 60 days after your

request, you may contact the Virginia Department of Agriculture

and Consumer Services, Ofﬁce of Charitable and Regulatory

Programs at www.vdacs.virginia.gov/food-extended-service-

contract-providers.shtml to ﬁle a complaint.

N. For residents of Wisconsin, this Service Contract may only

be terminated by Verizon Wireless before the expiration of

the monthly term for nonpayment by you of any amount due

hereunder, material misrepresentation by you, or a substantial

breach of duties by you. In the event of a total loss of the

Product that is not covered by a replacement under this

Service Contract, you may cancel this Service Contract and

you will receive a prorated refund of the most recent monthly

fee paid. By agreeing to Section XI., YOU AND VERIZON

WIRELESS BOTH AGREE TO RESOLVE SERVICE CONTRACT

DISPUTES ONLY BY ARBITRATION OR SMALL CLAIMS COURT,

AND UNCONDITIONALLY WAIVE ANY RIGHT TO CLASS

OR COLLECTIVE ARBITRATIONS AND A TRIAL BY JURY

IN ANY RELATED ACTION OR PROCEEDING. PLEASE SEE

SECTION X.B. FOR OTHER IMPORTANT TERMS REGARDING

ARBITRATION AFFECTING YOUR RIGHTS. THIS CONTRACT IS

SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE

COMMISSIONER OF INSURANCE. The ﬁrst sentence of Section

XI.(1) is deleted in its entirety.

O. For residents of Wyoming, Section XI. of this Service Contract

is replaced with the following: IF THERE ARE DISPUTES

BETWEEN YOU AND US THAT ARE NOT RESOLVED BY

NEGOTIATIONS, YOU AND WE MAY IN A SEPARATE WRITTEN

AGREEMENT VOLUNTARILY CONSENT TO ARBITRATION. ANY

ARBITRATION PROCEEDINGS SHALL BE CONDUCTED WITHIN

THE STATE OF WYOMING.

SELLER:

The Provider of this contract who is ﬁnancially and legally obligated to

perform service is

Verizon Wireless Services, LLC (In Virginia, Verizon Communications, Inc.)

One Verizon Way

Basking Ridge, NJ 07920

1.866.406.5154

ASVZW-9095-19 MKT60329