Westlake Financial

Retail Motor Vehicle Credit Application

IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: Federal law requires all financial
institutions to obtain, verify, and record information that identifies each person who opens an account. You may be asked
several questions, including but not limited to your name, address, date of birth, and other information, that will allow us to
identify you and to provide one or more forms of identification to fulfill this requirement.

Credit Application: Applicant

Title (optional) Last Name First Initial Suffix Date of Birth Soc. Sec. #

Squillace Michael 8/13/1976 196-56-5991

Present Address Line 1 Time at Present Address Driver's License # / Gov’t Issued ID

946 Magnolia toad, Unit B 6 Yr 2 Mo 555555555555

Present Address Line 2 City County State ZIP

Vineland CUMBERLAND NJ 08360

Residence Type Present Address Urbanization Code

Rent
Previous Address Line 1 Time at Previous Address Preferred Email

3312813@[Link]
Previous Address Line 2 City State ZIP

Home Phone Mobile Phone Other Phone

(856) 569-2369 (856) 569-2360

Landlord Name/Mortgage Co. Landlord/Mortgage Phone Number Monthly Rent/Mortgage Payment

$500.00
Current Employment Title Employment Status Employment Type

Foreman EmployedFullTime
Current Employer Gross Monthly Salary (Current Job)

3m lawn care $6,300.00

Current Employer Address City, State, Zip Time at Current Job

Vineland, NJ 08361 4 Yr 1 Mo
Current Employer Phone Business Email Address

(856) 569-2360
Secondary Employer Name (if applicable) Gross Monthly Salary (Secondary Job)

Secondary Employer Address City State Zip Secondary Employer Phone Time at Secondary Job

Previous Employer Previous Employer Phone Time at Previous Job

Previous Employer Address

Nearest Relative - Name and Address

Joey Langford 1310 OAK AVE VINELAND NJ 08360

Relationship Phone

Friend (856) 691-2278

Additional Reference - Name Address Phone

Debbie Rapp 1610 PENNSYLVANIA AVE VINELAND NJ 08360 (856) 305-4681

Alimony, child support, or separate maintenance incomes do not have to be revealed unless the applicant wishes to have such sources considered as a basis for repayment of the requested credit
amount.
Gross Income Income Received Other Income Source Other Income Other Income Received Monthly Support/Alimony Received

$6,300.00 $0.00
Bank Name Bank Account Type Code

Creditor Reference - Name / Address Creditor Balance Creditor Monthly Payment

Company Financing Auto Loan Previous Auto Loan Acct # Previous Auto Loan Balance Previous Auto Loan Monthly Payment

Westlake Financial

WFS Credit Application 1/2020 Page 1 of 5

Westlake Financial

Credit Application: Co-Applicant

Title (optional) Last Name First Initial Suffix Date of Birth Soc. Sec. #

Present Address Line 1 Time at Present Address Driver's License # / Gov’t Issued ID

Present Address Line 2 City County State ZIP

Residence Type Present Address Urbanization Code

Previous Address Line 1 Time at Previous Address Preferred Email

Previous Address Line 2 City State ZIP

Home Phone Mobile Phone Other Phone

Landlord Name/Mortgage Co. Landlord/Mortgage Phone Number Monthly Rent/Mortgage Payment

Current Employment Title Employment Status Employment Type

Current Employer Gross Monthly Salary (Current Job)

Current Employer Address City, State, Zip Time at Current Job

Current Employer Phone Business Email Address

Secondary Employer Name (if applicable) Gross Monthly Salary (Secondary Job)

Secondary Employer Address City State Zip Secondary Employer Phone Time at Secondary Job

Previous Employer Previous Employer Phone Time at Previous Job

Previous Employer Address

Nearest Relative - Name and Address

Relationship Phone

Additional Reference - Name Address Phone

Alimony, child support, or separate maintenance incomes do not have to be revealed unless the applicant wishes to have such sources considered as a basis for repayment of the requested credit
amount.
Gross Income Income Received Other Income Source Other Income Other Income Received Monthly Support/Alimony Received

Bank Name Bank Account Type Code

Creditor Reference - Name / Address Creditor Balance Creditor Monthly Payment

Company Financing Auto Loan Previous Auto Loan Acct # Previous Auto Loan Balance Previous Auto Loan Monthly Payment

WFS Credit Application 1/2020 Page 2 of 5

 NOTICES

California Residents. Each applicant, if married, may apply for a separate account.

Maine Residents. You have the right to select the agent and insurer to be used for any type of insurance required in
connection with this credit transaction, including the right to choose an insurance agent or broker, whether or not
that agent or broker is affiliated with us.

We shall not interfere, either directly or indirectly, with this right of choice of an agent and of an insurer. Your choice
of a particular insurance agent or broker will not affect our credit decision or credit terms in any way, as long as the
insurance provides adequate coverage with an insurer who meets our reasonable requirements such as the solvency
and assessment policies of the insurer and its ability to service the policy.

New Hampshire Residents. If this is an application for a balloon retail sales contract, applicants are entitled,
upon request, to receive a written estimate of the monthly payment for a balloon payment refinancing in
accordance with the creditor's current refinancing programs prior to entering into a balloon contract.

New York Residents. A consumer report may be ordered in connection with your application. Upon your request, we
will inform you whether or not a report was ordered. If a report was ordered, we will tell you the name and address of
the consumer reporting agency that provided the report. Subsequent reports may be ordered or utilized in connection
with an update, renewal or extension of credit for which you have applied.

Ohio Residents. The Ohio laws against discrimination require that all creditors make credit equally available to all
creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon
request. The Ohio Civil Rights Commission administers compliance with this law. Any person who, with intent to
defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing
a false or deceptive statement is guilty of insurance fraud.

Wisconsin Residents. MARITAL PROPERTY AGREEMENT NOTICE: No provision of any marital property
agreement, unilateral statement under Wisconsin Statutes Section 766.59 or court decree under Wisconsin Statutes
Section 766.70 adversely affects the interest of the creditor unless the creditor, prior to the time the credit is granted,
is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when
the obligation to the creditor is incurred.

The following is for Wisconsin residents only:

Applicant is  married  unmarried (includes single, divorced or widowed)  separated.
If married or separated, and Applicant's spouse is not a joint applicant, such spouse's name is and address is
______________________________________________________________________________.
Waiver of Notice by Non-Joint Applicant Spouse: I agree to waive notice of any extension of credit in connection with
this application.

________________________________________________________
Signature of Non-Joint Applicant Spouse Date

WFS Credit Application 1/2020 Page 3 of 5

Westlake Financial

Joint Credit Intention Signature

By signing below, the applicant and the co-applicant below hereby acknowledge that there is an intention to apply
for joint credit:

Applicant: (if applicable): ___________________________________ Date:_____________

9/12/2025
Michael Squillace

Co-Applicant (if applicable): _________________________________ Date:_____________

By signing this application:

I authorize Dealer and any finance company, bank or other financial institution to which the Dealer submits my
application ("you") to investigate my credit and employment history and obtain credit reports in order to evaluate this
application or for any other legitimate purpose in connection with this application. I authorize you to contact any listed
references that I have provided on this application both for the purposes of evaluating my creditworthiness and for
servicing purposes after my loan has been funded in order to obtain my location information.

I further authorize you to forward my application and all related information to other creditors for evaluation as a method
of effectuating my request for credit.
If an account is created, I authorize you to obtain credit reports, from time to time as you wish, for the purpose of reviewing
or taking collection action on the account, or for other legitimate purposes associated with the account.

Monitoring, Recording, and Collection Communications

I agree that you, your affiliates, agents and service providers may monitor and record telephone calls regarding my
account to assure the quality of your service or for other reasons. I also expressly consent and agree to you, your
affiliates, agents and service providers using written, electronic or verbal means to contact me as the law allows. This
consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text
messages, emails and/or automatic telephone dialing systems. I agree you, your affiliates, agents and service providers
may do so using any e-mail address or any telephone number I provide, including a number for a cellular phone or other
wireless device, regardless of whether I incur charges as a result.
I certify that I have read and agree to the terms of this application and that the information in it is complete and true.
If I sign this credit application electronically, I intend that process to be my electronic signature on an electronic
application, acknowledge receipt of all disclosures provided on the credit application, and give my authorization and
consent to the recipient(s) of this application to take the actions identified in the credit application.

Credit Application Signature

eSigned By:

Michael Squillace
Applicant: _______________________________________________ 9/12/2025
Date:_____________
Sep 12, 2025 2:13:30 PM PDT

Michael Squillace

Co-Applicant (if applicable): _________________________________ Date:_____________

Marketing Consent

Applicant: by signing below, I authorize you and your affiliates to deliver or cause to be delivered, to the phone numbers
I have provided in the credit application or in the future, advertisements and telemarketing calls using an auto dialer or
an artificial or prerecorded voice. I further acknowledge that my consent is not required as a condition of applying for or
receiving an extension of credit.
eSigned By:

Michael Squillace
Applicant: Sep 12, 2025 2:13:30 PM PDT Date: 9/12/2025
Michael Squillace
Co-Applicant (if applicable): by signing below, I authorize you and your affiliates to deliver or cause to be delivered, to
the phone numbers I have provided in the credit application or in the future, advertisements and telemarketing calls
using an auto dialer or an artificial or prerecorded voice. I further acknowledge that my consent is not required as a
condition of applying for or receiving an extension of credit.

Co-Applicant (if applicable): Date:

WFS Credit Application 1/2020 Page 4 of 5

For Dealer Use Only:
New/Used/Demo Year Make Model VIN Mileage Book Value

USED 2015 Acura TLX 19UUB2F30FA014607 113354 $9,800.00

Trade In Year Make Model VIN Allowance Payoff

$0.00 $0.00
Cash Selling Price Net Trade Cash Down Products & Fees Amount Financed Term Rate

$10,495.00 $0.00 $1,500.00 $625.50 $12,686.62 60 27.99%

WFS Credit Application 1/2020 Page 5 of 5

 Credit Scores and the Price You Pay for Credit
Risk-Based Pricing Notice - Credit Score Not Available

Seller Name and Address Buyer Name and Address Date

Westlake Financial Michael Squillace 9/12/2025
4751 Wilshire Blvd. Suite 100 946 Magnolia toad, Unit B
Transaction Number
Los Angeles, CA 90010 Vineland, NJ 08360
App# 105766169
(800) 641-6700 (856) 569-2369

Your Credit Score

Your credit Your credit score is not available from ,
score which is a consumer reporting agency, because they may not have enough information about your credit history
to calculate a score.

What you A credit score is a number that reflects the information in a credit report.
should A credit report is a record of your credit history. It includes information about whether you pay your bills on
know about time and how much you owe to creditors.
credit
scores A credit score can change, depending on how a consumer's credit history changes.

Why credit Credit scores are important because consumers who have higher credit scores generally will get more favorable
scores are credit terms.
important Not having a credit score can affect whether you can get credit and how much you will have to pay for that credit.
Checking Your Credit Report
What if You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit
there are report, contact the consumer reporting agency.
mistakes in
your credit It is a good idea to check your credit report to make sure the information it contains is accurate.
report?
How can Under Federal law, you have the right to obtain a free copy of your credit report from each of the nationwide
you obtain a consumer reporting agencies once a year.
copy of To order your free annual credit report f
your credit
report? By telephone: Call toll-free: 1-877-322-8228
On the web: Visit [Link]
By mail: Mail your completed Annual Credit Report Request Form (which you
can obtain from the Federal Trade Commission's web site at
[Link] to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

How can For more information about credit reports and your rights under Federal law, visit the Consumer Financial
you get Protection Bureau's website at [Link]/learnmore .
more
information?

eSigned By:

Michael Squillace
Sep 12, 2025 2:13:43 PM PDT

Risk-Based Pricing Notice-Credit Score Not Available-BHPH/CFPB version

RISK-NCSBHPH 12/15/2012
Page 1 of 1

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THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL.
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NJ-103-ARB 10/31/2010
Retail Installment Contract and Security Agreement
Seller Name and Address Buyer(s) Name(s) and Address(es) Summary
Victory Auto Group Michael Squillace No. App# 105766169 - V# 6
847 S Delsea Dr 946 Magnolia toad, Unit B Date 9/12/2025
Vineland, NJ 08360 Vineland, NJ 08360

Business, commercial or agricultural purpose Contract.

Truth-In-Lending Disclosure
Annual Percentage Rate Finance Charge Amount Financed Total of Payments Total Sale Price
The cost of your credit as a The dollar amount the The amount of credit The amount you will have The total cost of your
yearly rate. credit will cost you. provided to you or on your paid when you have made purchase on credit,
behalf. all scheduled payments. including your down
payment of
$ 1500.00 .
27.990 % $ 11009.18 $ 12686.62 $ 23695.80 $ 25195.80
Payment Schedule. Your payment schedule is:
No. of Amount of Payments When Payments are Due
Payments
$
60 $ 394.93 Monthly, Beginning 10/12/25
$
Security. You are giving us a security interest in the Property purchased.
Late Charge. If a payment is more than 10 days late, you will be charged 5% of the unpaid amount of the payment due, except that if the Property
is primarily for personal, family, or household use and the cash price is $10,000 or less the charge for late payment will be $10.
Prepayment. If you pay off this Contract early, you will not have to pay a penalty.
Contract Provisions. You can see the terms of this Contract for any additional information about nonpayment, default, any required repayment
before the scheduled date, and prepayment refunds and penalties.

Description of Property
Year Make Model Style Vehicle Identification Number Odometer Mileage
2015 Acura TLX Sedan 19UUB2F30FA014607 113354
New Other:
X Used
Demo

Description of Trade-In Conditional Delivery

N/A Conditional Delivery. If checked, you agree that the following
agreement regarding securing financing (“Agreement”) applies:
.
The Agreement is part of this Contract. The Agreement will no longer
control after the assignment is accepted. If there are any conflicts
between the terms of the Agreement and the Contract, the terms of this
Contract will apply.

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 Sales Agreement Itemization of Amount Financed
Payment. You promise to pay us the principal amount of a. Cash Price of Vehicle $ 10495.00
$ 12686.62 plus the time price differential accruing b. Trade-In allowance $ N/A
on the unpaid balance at the rate of 27.99 % per year from c. Less: Amount owing, paid to (includes l):
the date of this Contract until maturity. After maturity, or after you $ N/A
default and we demand payment, we will earn the time price differential d. Net Trade-In (b-c; if negative, enter $0
on the unpaid balance at 27.99 % per year. Time price here and enter the amount on line l) $ N/A
differential accrues on a 365 day basis. You agree e. Cash payment $ 1500.00
to pay this Contract according to the payment schedule and late charge f. Manufacturer's rebate $ N/A
provisions shown in the Truth-In-Lending Disclosure. You also agree to g. Other down payment (describe)
pay any additional amounts according to the terms and conditions of $ N/A
this Contract. h. Down Payment (d+e+f+g) $ 1500.00
i. Adjusted Cash Price (a-h) $ 8995.00
j. Sales Tax (reduced as required due to
value of like trade-in) $ 871.12
k. Unpaid balance of Cash Price (i+j) $ 9866.12
l. Financed trade-in balance (see line d) $
m. Paid to public officials - filing fees $ 166.50
n. Paid to public officials - supplemental title
fee $ N/A
o. Paid to public officials - other than filing fee $ N/A
p. Insurance premiums paid to insurance
company(ies) $ N/A
q. Service Contract, paid to:
A.U.L Corp. $ 1700.00
r. $
s. $
t. $
u. $
v. Total Documentary Fee $ 459.00
w. Knight Management Insurance Services $ 495.00
[This area intentionally left blank.] x. $ N/A
y. $ N/A
z. Total Other Charges/Amts Paid (l thru y) $ 2820.50
aa. Principal Balance (k+z) $ 12686.62
bb. Time Price Differential $ 11009.18
cc. Time Balance (aa+bb) $ 23695.80
dd. Prepaid Finance Charge $ N/A
ee. Amount Financed (k+z-dd) $ 12686.62
ff. Time Sale Price (h+cc) $ 25195.80
We may retain or receive a portion of any amounts paid to others.

Insurance Disclosures
Credit Insurance. Credit life insurance pays all or part of the amount
you owe under this Contract if you die. This insurance pays only the
amount you would owe if you paid all your payments on time. Credit
disabiltity pays all or part of the payments due under this Contract while
you are disabled. This insurance does not cover any increase in your
payment or in the number of payments. See the policies or certificates
from the named insurance companies for the details of the coverage
these types of insurance provide, and for other terms and conditions.
Credit life and credit disability (accident and health) are not required to

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obtain credit and are not a factor in the credit decision. We will not
provide them unless you sign and agree to pay the additional premium. Rejection of Arbitration
If you want such insurance, we will obtain it for you (if you qualify for Checking the following box will not affect the terms under which we will
coverage). We are quoting below only the coverages you have chosen finance and sell the Property or any of the terms of this Contract, except
to purchase. that the arbitration provision will not be a part of this Contract:
Credit Life
You reject the arbitration provision of this Contract.
Single Joint ✘ None
Premium $ N/A Term Additional Protections
Insured You may buy any of the following voluntary protection plans. They
Credit Disability are not required to obtain credit, are not a factor in the credit
decision, and are not a factor in the terms of the credit or the
Single Joint ✘ None related sale of the Vehicle. The voluntary protections will not be
Premium $ N/A Term provided unless you sign and agree to pay the additional cost.
Insured Your signature below means that you want the described item and that
Your signature below means you want (only) the insurance coverage(s) you have received and reviewed a copy of the contract(s) for the
quoted above. If "None" is checked, you have declined the coverage we product(s). If no coverage or charge is given for an item, you have
offered. declined any such coverage we offered.
X Service Contract

N/A Term 24 months or 24000 miles

Price $ 1700.00
By: DOB
Coverage Advantage
X Gap Waiver or Gap Coverage

N/A Term 60 months

Price $ 495.00
By: DOB
Coverage

Term
N/A
Price $ N/A
By: DOB
Coverage
Property Insurance. You must insure the Property. You may purchase eSigned By:

or provide the insurance through any insurance company reasonably Michael Squillace
acceptable to us. The collision coverage deductible may not exceed Sep 12, 2025 2:18:17 PM PDT
9/12/2025
$ 500.00 . If you get insurance from or through us By: Michael Squillace Date
you will pay $ N/A for
0 months of coverage.
This premium is calculated as follows:
X $ 500.00 Deductible, Collision Cov. $ N/A By: Date
X $ 500.00 Deductible, Comp. Cov. $ INCL.
Fire-Theft and Combined Additional Cov. $ N/A
$ N/A
THIS DOES NOT INCLUDE INSURANCE ON YOUR LIABILITY FOR
By: Date
BODILY INJURY OR PROPERTY DAMAGE. WITHOUT SUCH
INSURANCE, YOU MAY NOT OPERATE THIS VEHICLE ON PUBLIC
HIGHWAYS. Additional Terms of the Sales Agreement
Definitions. “Contract” refers to this Retail Installment Contract and
Single-Interest Insurance. You must purchase single-interest
Security Agreement. The pronouns “you” and “your” refer to each Buyer
insurance as part of this sale transaction. You may purchase the signing this Contract, and any guarantors, jointly and individually. The
coverage from a company of your choice, reasonably acceptable to us. pronouns “we”, “us” and “our” refer to the Seller and any entity to which
If you buy the coverage from or through us, you will pay it may transfer this Contract. “Vehicle” means each motor vehicle
$ N/A for of coverage. described in the Description of Property section. “Property” means the

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Vehicle and all other property described in the Description of Property attorneys' fees of 20% of the first $500 and 10% on any excess of the
and Additional Protections sections. amount due and payable under this Contract, if referred for collection to
an attorney not a salaried employee of ours. For other transactions, if
Purchase of Property. You agree to purchase the Property from us, we hire an attorney who is not a salaried employee to collect what you
subject to the terms and conditions of this Contract. Seller will not make owe, you will pay the attorney's reasonable fee and court costs the law
any repairs or additions to the Vehicle except as noted in the permits.
Description of Property section.
If an event of default occurs as to any of you, we may exercise our
You have been given the opportunity to purchase the Property and remedies against any or all of you.
described services for the Cash Price or the Total Sale Price. The
“Total Sale Price” is the total price of the Property if you buy it over time. Remedies. If you are in default on this Contract, we have all of the
remedies provided by law and this Contract. Those remedies include:
General Terms. The Total Sale Price shown in the Truth-In-Lending
Disclosure assumes that all payments will be made as scheduled. The l We may require you to immediately pay us, subject to any refund
actual amount you will pay will be more if you pay late and less if you required by law, the remaining unpaid balance of the amount
pay early. financed, time price differential and all other agreed charges.
l We may pay taxes, assessments, or other liens or make repairs to
We do not intend to charge or collect, and you do not agree to pay, any the Property if you have not done so. We are not required to do so.
time price differential or fee that is more than the maximum amount You will repay us that amount immediately. That amount will earn
permitted for this sale by state or federal law. If you pay a time price the time price differential from the date we pay it at the contract
differential or fee that exceeds that maximum amount, we will first apply rate described in the Payment section until paid in full.
the excess amount to reduce the principal balance and, when the
principal has been paid in full, refund any remaining amount to you. l We may require you to make the Property available to us at a place
we designate that is reasonably convenient to you and us.
You understand and agree that some payments to third parties as a l We may immediately take possession of the Property by legal
part of this Contract may involve money retained by us or paid back to process or self-help, but in doing so we may not breach the peace
us as commissions or other remuneration. or unlawfully enter onto your premises.
You agree that the Property will not be used as a dwelling. l We may then sell the Property and apply what we receive as
provided by law to our reasonable expenses and then toward what
Prepayment. You may prepay this Contract in full or in part at any time you owe us.
without penalty. Any partial prepayment will not excuse any later
l We may, as allowed by law, sue you for additional amounts if the
scheduled payments. If we get a refund of any unearned insurance proceeds of a sale do not pay all of the amounts you owe us.
premiums that you paid, you agree that we may subtract the refund
from the amount you owe, unless otherwise provided by law. By choosing any one or more of these remedies, we do not give up our
right to later use another remedy. By deciding not to use any remedy,
Returned Payment Charge. If you make any payment required by this we do not give up our right to consider the event a default if it happens
Contract that is returned uncollected due to insufficient funds in your again.
account, you agree to pay a fee of $20.
You agree that if any notice is required to be given to you of an
Governing Law and Interpretation. This Contract is governed by the intended sale or transfer of the Property, notice is reasonable if mailed
law of New Jersey and applicable federal law and regulations. to your last known address, as reflected in our records, at least 10 days
If any section or provision of this Contract is not enforceable, the other before the date of the intended sale or transfer (or such other period of
terms will remain part of this Contract. You authorize us to correct any time as is required by law).
clerical error or omissions in this Contract or in any related document. You agree that we may take possession of personal property left in or
Name and Location. Your name and address set forth in this Contract on the Property securing this Contract and taken into possession as
are your exact legal name and your principal residence. You will provided above. You may have a right to recover that property.
provide us with at least 30 days notice before you change your name or If the Property has an electronic tracking device, you agree that we may
principal residence. use the device to find the vehicle.
Telephone Monitoring and Calling. From time to time you agree we Obligations Independent. Each person who signs this Contract
may monitor and record telephone calls made or received by us or our agrees to pay this Contract according to its terms. This means the
agents regarding your account to assure the quality of our service. In following:
order for us to service the account or to collect any amounts you may
owe, and subject to applicable law, you agree that we may from time to l You must pay this Contract even if someone else has also signed
time make calls and send text messages to you using prerecorded/ it.
artificial voice messages or through the use of an automatic dialing l We may release any co-buyer or guarantor and you will still be
device at any telephone number you provide to us in connection with obligated to pay this Contract.
your account, including a mobile telephone number that could result in l We may release any security and you will still be obligated to pay
charges to you. this Contract.
Default. You will be in default on this Contract (except as prohibited by l If we give up any of our rights, it will not affect your duty to pay this
law) if you fail to perform any obligation that you have undertaken in this Contract.
Contract. l If we extend new credit or renew this Contract, it will not affect your
duty to pay this Contract.
If the Property is primarily for personal, family, or household use, and
the cash price is $10,000 or less, if you default you agree to pay Warranty. Warranty information is provided to you separately.

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 Security Agreement Arbitration Provision
Security. To secure your payment and performance under the terms of Arbitration Provision. PLEASE READ CAREFULLY! By agreeing to
this Contract, you give us a security interest in the Vehicle, all this arbitration provision you are giving up your right to go to
accessions, attachments, accessories, and equipment placed in or on court for claims and disputes arising from this Contract:
the Vehicle and in all other Property. You also assign to us and give us l EITHER YOU OR WE MAY CHOOSE TO HAVE ANY DISPUTE
a security interest in proceeds and premium refunds of any insurance BETWEEN YOU AND US DECIDED BY ARBITRATION, AND
and service contracts purchased with this Contract. NOT BY A COURT OR BY JURY TRIAL.
Duties Toward Property. By giving us a security interest in the l YOU GIVE UP ANY RIGHT THAT YOU MAY HAVE TO
Property, you represent and agree to the following: PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS
MEMBER IN ANY CLASS ACTION OR CLASS ARBITRATION
l You will defend our interests in the Property against claims made
by anyone else. You will keep our claim to the Property ahead of AGAINST US IF A DISPUTE IS ARBITRATED.
the claim of anyone else. You will not do anything to change our l IN ARBITRATION, DISCOVERY AND RIGHTS TO APPEAL ARE
interest in the Property. GENERALLY MORE LIMITED THAN IN A JUDICIAL
PROCEEDING, AND OTHER RIGHTS THAT YOU WOULD HAVE
l You will keep the Property in your possession and in good
condition and repair. You will use the Property for its intended and IN COURT MAY NOT BE AVAILABLE.
lawful purposes. You or we (including any assignee) may elect to resolve any Claim by
l You agree not to remove the Property from the U.S. without our neutral, binding arbitration and not by a court action. “Claim” means any
prior written consent. claim, dispute or controversy between you and us or our employees,
l You will not attempt to sell the Property, transfer any rights in the agents, successors, assigns or affiliates arising from or relating to:
Property, or grant another lien on the Property without our prior 1. the credit application;
written consent. 2. the purchase of the Property;
l You will pay all taxes and assessments on the Property as they 3. the condition of the Property;
become due.
4. this Contract;
l You will notify us with reasonable promptness of any loss or
damage to the Property. 5. any insurance, maintenance, service or other contracts you
purchased in connection with this Contract; or
l You will provide us reasonable access to the Property for the
purpose of inspection. Our entry and inspection must be 6. any related transaction, occurrence or relationship.
accomplished lawfully, and without breaching the peace. This includes any Claim based on common or constitutional law,
contract, tort, statute, regulation, or other ground. To the extent allowed
Agreement to Provide Insurance. You agree to provide property
by law, the validity, scope, and interpretation of this arbitration provision
insurance on the Property protecting against loss and physical damage
are to be decided by neutral, binding arbitration.
and subject to a maximum deductible amount indicated in the Insurance
Disclosures section, or as we will otherwise require. You will name us If either party elects to resolve a Claim through arbitration, you and we
as loss payee on any such policy. Generally, the loss payee is the one agree that no trial by jury or other judicial proceeding will take place.
to be paid the policy benefits in case of loss or damage to the Property. Rather, the Claim will be arbitrated on an individual basis, and not on a
In the event of loss or damage to the Property, we may require class or representative basis.
additional security or assurances of payment before we allow insurance
proceeds to be used to repair or replace the Property. You agree that if The party electing arbitration may choose any of the following
the insurance proceeds do not cover the amounts you still owe us, you arbitration organizations and its applicable rules, provided it is willing
will pay the difference. You will keep the insurance in full force and and able to handle the arbitration: American Arbitration Association,
effect until this Contract is paid in full. 1633 Broadway, Floor 10, New York, NY 10019 ([Link]); JAMS,
1920 Main Street, Suite 300, Irvine CA 92614 ([Link]); or
If you fail to obtain or maintain this insurance, or name us as loss National Arbitration and Mediation (NAM), 990 Stewart Ave., Garden
payee, we may obtain insurance to protect our interest in the Property. City, NY 11530 ([Link]). You may get a copy of the
This insurance may be written by a company other than one you would applicable rules of these organizations by contacting them or visiting
choose. It may be written at a rate higher than a rate you could obtain if their websites. If the chosen arbitration organization's rules conflict with
you purchased the property insurance required by this Contract. We will this arbitration provision, then the terms of this arbitration provision will
add the premium for this insurance to the amount you owe us. This govern the Claim. If none of these arbitration organizations is willing or
amount will earn the time price differential from the date paid at the able to handle the arbitration, the arbitrator can be selected pursuant to
contract rate described in the Payment section until paid in full. 9 U.S.C. Sections 5 and 6.
Gap Waiver or Gap Coverage. In the event of theft or damage to the The arbitration hearing will be carried out in the federal district where
Vehicle that results in a total loss, there may be a gap between the you reside, unless you and we otherwise agree. Or, if you and we
amount due under the terms of the Contract and the proceeds of your consent, the arbitration hearing can be by telephone. In connection with
insurance settlement and deductibles. You are liable for this difference. any arbitration, if you so request, we shall advance your filing,
You have the option of purchasing Gap Waiver or Gap Coverage to administration, service or case management fee, and your arbitrator or
cover the gap liability, subject to any conditions and exclusions in the hearing fee, up to a total of $2,500.00. Unless the arbitrator awards
Gap Waiver or Gap Coverage agreements. them to a party, each party is responsible for the fees of its attorneys,
experts, witnesses, and any other fees or costs, including any amount
we have advanced.

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Bankers Systems™
Wolters Kluwer Financial Services © 1995, 2010 Page 5 of 7
An arbitrator must be a lawyer with at least ten (10) years experience Caution: It is important that you read this arbitration provision
and familiar with consumer credit law or a retired state or federal court thoroughly before you sign this Contract. By signing this Contract,
judge. Except as provided below, the arbitration will be by a single you are acknowledging that you have read and understand this
arbitrator. In making an award, an arbitrator shall follow governing arbitration provision. If you do not understand something in this
substantive law and any applicable statute of limitations. The arbitrator arbitration provision, do not sign this Contract; instead ask your
will decide any dispute regarding the arbitrability of a Claim. An lawyer. You can reject this arbitration provision by checking the
arbitrator has the authority to order specific performance, compensatory box in the Rejection of Arbitration section of this Contract before
damages, punitive damages, and any other relief allowed by applicable you sign this Contract. If you do so, this arbitration provision will
law. An arbitrator's authority to make awards is limited to awards to you not be a part of this Contract, but all the rest of this Contract will
or us alone. Furthermore, Claims brought by you against us, or by us continue to be binding and effective.
against you, may not be joined or consolidated in arbitration with claims
brought by or against someone other than you, unless agreed to in Notices
writing by all parties. No arbitration award or decision will have any
preclusive effect as to issues or claims in any dispute with anyone who Note. If the primary use of the Vehicle is non-consumer, this is not
is not a named party to the arbitration. a consumer contract, and the following notice does not apply.
NOTICE. ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT
Any arbitration award shall be in writing, shall include a written IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE
reasoned opinion, and will be final and binding subject only to any right DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR
to appeal under the Federal Arbitration Act (“FAA”), 9 U.S.C. Sections
SERVICES OBTAINED PURSUANT HERETO OR WITH THE
1, et seq., except that (i) if a single arbitrator awards you less than
$5,000 you shall be entitled, upon request made within 20 days after PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR
the entry of that award, to have the award set aside and the Claim SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR
rearbitrated by a panel of three arbitrators, and (ii) if the single arbitrator HEREUNDER.
awards you more than $100,000 we shall be entitled, upon request
made within 20 days after the entry of that award, to have the award set If you are buying a used vehicle: The information you see on the
aside and the Claim rearbitrated by a panel of three arbitrators. The window form for this vehicle is part of this contract. Information
party requesting such rearbitration will be required to pay the filing, on the window form overrides any contrary provisions in the
administration, service or case management fee and the arbitrators and contract of sale.
hearing fee, subject to final determination by the arbitration panel. Any Sí compra un vehículo usado: La información que ve adherida en
court having jurisdiction can enforce a final arbitration award. la ventanilla forma parte de éste contrato. La información
You or we can do the following without giving up the right to require contenida en el formulario de la ventanilla prevalece por sobre
arbitration: toda otra disposición en contrario incluida en el contrato de
compraventa.
l Seek remedies in small claims court for Claims within the small
claims court's jurisdiction, or Third Party Agreement
l Seek judicial provisional remedies.
In this section only, “you” means only the person signing this section.
If a party does not exercise the right to elect arbitration in connection
with any particular Claim, that party still can require arbitration in By signing below you agree to give us a security interest in the Property
connection with any other Claim. described in the Description of Property section. You also agree to the
terms of this Contract except that you will not be liable for the payments
This arbitration provision survives any (i) termination, payoff, it requires. Your interest in the Property may be used to satisfy the
assignment or transfer of this Contract, (ii) any legal proceeding by you Buyer's obligation. You agree that we may renew, extend or change
or us to collect a debt owed by the other, and (iii) any bankruptcy this Contract, or release any party or Property without releasing you
proceeding in which you or we are the debtor. With but one exception, if from this Contract. We may take these steps without notice or demand
any part of this arbitration provision is deemed or found to be upon you.
unenforceable for any reason, the remainder of this arbitration provision
will remain in full force and effect. The one exception is that, if a finding You acknowledge receipt of a completed copy of this Contract.
of partial unenforceability would allow arbitration to proceed on a class-
wide basis then this arbitration provision will be unenforceable in its
entirety. N/A 9/12/2025
You and we expressly agree that this arbitration provision is governed By: Date
by the FAA to the exclusion of any different or inconsistent state or local
law.
Signature Notices
By signing this Contract you are agreeing to the terms of this
arbitration provision, unless you reject it as provided in the next The Annual Percentage Rate may be negotiable with the
paragraph. Seller. The Seller may assign this Contract and retain its
right to receive a part of the Finance Charge.
Arbitration. This Contract contains an Arbitration Provision that affects
your rights.

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Bankers Systems™
Wolters Kluwer Financial Services © 1995, 2010 Page 6 of 7
 Signatures Assignment. This Contract and Security Agreement is assigned to
Westlake Financial
Entire Agreement. Your and our entire agreement is contained in this
Contract. There are no unwritten agreements regarding this Contract. 4751 Wilshire Blvd. Suite 100 Los Angeles CA 90010 ,
Any change to this Contract must be in writing and signed by you and the Assignee, phone (800) 641-6700 . This assignment is
by us. made under the terms of a separate agreement made between the
eSigned By:
Seller and Assignee. This Assignment is made with recourse.
Michael Squillace 9/12/2025 Seller Victory Auto Group
Sep 12, 2025 2:18:17 PM PDT

By: Michael Squillace Date eSigned By:

Christian Watson
Sep 12, 2025 2:07:11 PM PDT
9/12/2025
By: Date

By: Date

By: Date

NOTICE TO RETAIL BUYER

Do not sign this Contract in blank.
You are entitled to a copy of the Contract at the time you sign.
Keep it to protect your legal rights.
By signing below, you agree to the terms of this Contract. You
received a copy of this Contract and had a chance to read and
review it before you signed it.

Buyer
eSigned By:

Michael Squillace 9/12/2025

Sep 12, 2025 2:18:17 PM PDT

By: Michael Squillace Date

By: Date

By: Date

Seller Victory Auto Group

eSigned By:

Christian Watson 9/12/2025

Sep 12, 2025 2:07:11 PM PDT

By: Date

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Bankers Systems™
Wolters Kluwer Financial Services © 1995, 2010 Page 7 of 7
 NOTICE
Under New Jersey regulations, the itemization of
certain documentary services and pre-delivery services
in the Itemization of Sale on this document must be in
type that measures at least a certain size.
The Reynolds and Reynolds Company is not
responsible for problems resulting from type that does
not meet requirements.

Buyers Order-NJ BUY-ORDER-NJ 6/1/2024

©2024 The Reynolds and Reynolds Company Bankers Systems®
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR (Cover page)
FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL.
New Jersey Buyer's Order
Dealer/Seller Name and Buyer Name, Address, Phone, Email Buyer Name, Address, Phone, Email Buyer Name, Address, Phone, Email
Address Michael Squillace
Victory Auto Group 946 Magnolia toad, Unit B
847 S Delsea Dr
Vineland, NJ 08360
Vineland, NJ 08360
(856) 569-2360
3312813@[Link]
555555555555
(856) 691-9068
Date Stock No. Salesperson
9/12/2025
App. No. Contract No.
App# 105766169 - V# 6
Definitions. Contract refers to this Buyer’s Order. Buyer, you and your refer to each Buyer signing this Contract. Seller, we, us and
our refer to the Dealer/Seller. Vehicle means the motor vehicle described in the Vehicle Information section. Trade-in Vehicle(s)
refers to each vehicle described in the Trade-in Information section that is being traded to the Dealer/Seller as part of this
transaction. Manufacturer refers to the entity that is the maker of the Vehicle.
Agreement to Purchase. You agree to buy the Vehicle from us for the amount stated in this Contract. You agree to sign any
documents necessary to complete this transaction. You may only cancel this contract according to the conditions described in the
Manufacturer or Trade-In sections. If you refuse to take delivery of the Vehicle, we can keep any deposits you have made to us. In
addition, refusal to take delivery will make you responsible for our damages, expenses, and attorney’s fees in connection to this
Contract unless prohibited by the law of New Jersey. If you do not breach this Contract, any deposits will be used toward the
purchase of the Vehicle.
Vehicle Information  New X Used  Demo
  Other
Year Make Model Style VIN
2015 Acura TLX Sedan 19UUB2F30FA014607
Lic. No. Color Odometer Reading
113354
Other

Insurance Information
Buyer has arranged the following insurance on the motor vehicle:
Insurance Company Progressive
Policy No. 992472208 Phone (800) 776-4737
Trade-In Information
Trade-in 1 Trade-in 2
Year Make Year Make

Model Style Model Style

Lic. No. Color Lic. No. Color

VIN Odometer VIN Odometer

Lienholder Name Lienholder Name

Address Phone Address Phone

Trade-In Payoff Payoff good Trade-In Payoff Payoff good

Allowance through Allowance through
$ 0.00 $ N/A $ 0.00 $ N/A
Trade-in Terms
Trade-in Vehicle. You will transfer title to the Trade-in Vehicle to You represent that (a) you are the sole true and lawful owner
us free of all liens except those noted on this Contract. You give of the Trade-in Vehicle, (b) the Trade-in Vehicle has never been
permission to us to contact the lienholder(s) for payoff titled under any state or federal brand such as "defective,"
information. If the payoff information that we obtain from the "rebuilt," "salvage," "flood," etc., (c) unless you have disclosed
lienholder(s) differs from the amount disclosed in this Contract, otherwise in an odometer statement, the mileage of the
you agree to pay the difference to us if the actual amount of the Trade-in Vehicle shown in this Contract is the actual mileage of
balance owed is greater than the amount listed in this Contract. the Trade-in Vehicle, (d) all emission control equipment is on
If the actual amount of the balance owed is less than the amount the Trade-in Vehicle and is in satisfactory working order, and
listed in this Contract, we will pay you the difference. (e) the frame on the Trade-in Vehicle has not been damaged by
collision or other event and repaired. If any of these
If you do not deliver the Trade-in Vehicle to us at the time of representations are not true, we may elect to cancel the
the initial appraisal, we may reappraise the Trade-in Vehicle transaction. We may also choose to reappraise the Trade-in
when it is delivered to us. If the reappraised value is lower than Vehicle and adjust the Total Balance Due instead of canceling
the original appraisal, you can cancel this transaction as long the transaction. You agree to immediately pay us the difference.
as you have not taken delivery of the Vehicle.
Buyers Order-NJ BUY-ORDER-NJ 6/1/2024
Inits
©2024 The Reynolds and Reynolds Company Bankers Systems®
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR MS Page 1 of 4
FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL.
Itemization of Sale Documentary Service and Pre-Delivery Service
1. Vehicle Sales Price $ 10495.00 Documentary Service Fee. You agree to pay Seller a
Taxes Documentary Service Fee of $ 459.00 for
2. Sales Tax $ 871.12 Preparation and Processing:
3. Other Tax $ N/A i. of License, Registration and Title $ 459.00
4. Subtotal (Add lines 1 through 3) $ 11366.12 ii. of $
Title, License & Other Fees iii. of $
5. Certificate of Title Fee $ 85.00
iv. of $
6. License and/or Registration Fee $ 71.50
Pre-Delivery Service Fee. You agree to pay Seller a
7. Tire Fee $ N/A
N/A Pre-Delivery Service Fee of $ N/A for the
8. Luxury and Fuel Inefficient Vehicle Surcharge $
10.00 following services:
9. Temp. Tag Fee $
N/A i. of $ N/A
10. Local Use Fee $
11. $ N/A ii. of $ N/A
12. $ N/A iii. of $ N/A
13. $ N/A iv. of $ N/A
14. Total Documentary Service Fees A Documentary Service fee and Pre-Delivery Service fee are not
Paid to Seller* $ 459.00 official fees and are not required by law. “Documentary
service” means, but is not limited to, the preparation and
15. Total Pre-Delivery Service Fees
N/A processing of documents in connection with the transfer of
Paid to Seller $ license plates, registration, or title, and the preparation and
16. Total Other Fees (Add lines 5 through 15) $ 625.50 processing of other documents relating to the sale of a motor
Additional Items vehicle. Documentary Service Fees MUST BE ITEMIZED ABOVE
17. ServiceContract - A.U.L Corp. $ 1700.00 such that the price of each prepared document is disclosed.
GAP - Knight Management Insurance Services 495.00 “Pre-delivery service” means, but is not limited to, items that
18. $ are often described or labeled as dealer preparation, vehicle
19. $ N/A preparation, pre-delivery handling and delivery, or any other
20. $ N/A service of similar import. Pre-Delivery Service Fees MUST BE
21. $ N/A ITEMIZED ABOVE and do not include any services for which the
N/A dealer receives compensation from any other party.
22. $
23. $ N/A
N/A Additional Terms
24. $
N/A Governing Law and Interpretation. This Contract is governed
25. $
N/A by the law of New Jersey and applicable federal law and
26. $ regulations.
27. Total Additional Items $ 2195.00
If any section or provision of this Contract is not enforceable,
(Add lines 17 through 26) the other terms will remain part of this contract. You authorize
28. Cash Sale Price (Add lines 4+16+27) $ 14186.62 us to correct any clerical error or omissions in this Contract or in
29. Trade-in Allowance $ N/A any related document.
30. Trade-in Payoff Balance $ N/A Manufacturer. We are not an agent of the Manufacturer.
N/A The Manufacturer can change the price, design or standard
31. Net Trade Allowance (Line 29-30, if $
features of the Vehicle at any time without notice. If we cannot
negative, enter $0 here and enter obtain the Vehicle from the Manufacturer at the price in effect
amount on line 40.) as of the date of this Contract, or if we cannot obtain the
32. Deposit $ N/A agreed upon product from the Manufacturer, you or we can
33. Cash Down Payment $ 1500.00 cancel this Contract.
34. Manufacturer’s Rebate $ N/A If you cancel this Contract under the terms of this section, we
N/A will refund to you any amounts you have paid to us. If you
35. Other Credit $ have delivered a Trade-in Vehicle to us, we will return it to
36. Other Credit $ N/A you. If we have already sold the Trade-in Vehicle, we will pay
37. Deferred Down Payment $ N/A you the amount we received for the sale after adjusting for any
38. Other Down Payment $ N/A payoff we made to a lienholder and costs for repair and
1500.00 reconditioning, if any.
39. Total Credits (Add lines 31 through 38) $
40. Trade-in Balance Owing (see line 31) $ N/A Name and Location. Your name and address indicated on
page 1 are your exact legal name and your principal residence.
41. Lease Balance Owing $
42. Total Balance Due (Line 28-39+40+41) $ 12686.62 Insurance. You represent that the insurance information you
have given us is accurate.
We may retain or receive a portion of any amounts paid to others.
Retail Installment Sales Contract. In the event that you and we
* No governmental entity requires the automotive dealer perform
enter into a retail installment sales contract for the financing of
any documentary service.
the purchase of the Vehicle, the terms of the retail installment
sales contract will control any inconsistencies between this
Westlake Financial Contract and the retail installment sales contract.
4751 Wilshire Blvd. Suite 100 Returned Payment Charge. If you make any payment required
Los Angeles, CA 90010 by this Contract that is returned or dishonored, you agree to
pay a fee of $20.00.

Buyers Order-NJ BUY-ORDER-NJ 6/1/2024

Inits
©2024 The Reynolds and Reynolds Company Bankers Systems®
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR MS Page 2 of 4
FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL.
Telephone Monitoring and Calling. You agree that we may Notices
from time to time monitor and record telephone calls made or
received by us or our agents regarding your account to assure  Trade-in Balance Due. You understand that the balance
the quality of our service. In order for us to service the account owed on the Trade-in exceeds the Trade-in Allowance and that
or to collect any amounts you may owe, and subject to as a result the Total Balance Due has been increased by
applicable law, you agree that we may from time to time make $ N/A of negative equity.
calls and send text messages to you using prerecorded/artificial
voice messages or through the use of an automatic dialing  Lease Balance Due. You understand the Total Balance Due
device at any telephone number you provide to us in includes the amount of $ for a lease
connection with your account, including a mobile telephone
number that could result in charges to you. balance due from a prior transaction.

Vehicle Condition. You understand the Vehicle may have Buyer's Initials
undergone prior mechanical or body repair. The damage, Inits

necessitating repair may have occurred during manufacture, MS

transit or while in the possession of prior owner or operators.
Vehicle Inspection Used Vehicle Sale Dealer/Seller’s Obligation
By initialing below, you represent that you have thoroughly Explanation of Dealer/Seller Obligations. The Dealer/Seller has the
inspected the Vehicle and approve and accept it. You had an following obligations under N.J.S.A. 39:10-26 through 39:10-30:
opportunity to have the Vehicle inspected by a third party of
your choice and at your expense. You are purchasing the Vehicle No Dealer/Seller may sell a used passenger motor vehicle to be
based on your inspection. You are not relying on any opinion, registered in New Jersey unless the Vehicle meets the standards
statement, or promise of the Seller or its employees that is not for the issuance of a certificate of approval. If the used passenger
contained in the written agreements you are signing today. motor vehicle has any defect that does not allow for the issuance
Buyer's Initials of a certificate of approval, the Dealer/Seller shall make, or cause
to be made, all necessary repairs without charge, or shall return
Inits
the full purchase price to the Buyer; provided that such defect or
MS defects are not the result of the Buyer’s own act.
Buyer acknowledges they have been informed of Dealer/Seller’s
Warranty Information obligation above. Buyer agrees to present the used passenger
 Vehicle Manufacturer Warranty. The Vehicle is subject to an motor vehicle for inspection within 14 days from the date of
express warranty made by the Manufacturer. It is a standard delivery of such vehicle.
written manufacturer’s warranty and made by the Manufacturer
and not by the Seller. By signing this Contract, each Buyer
acknowledges receiving a copy of it. eSigned By:

 Dealer Warranty. The Vehicle is subject to an express written Michael Squillace

warranty made by the Seller. By signing this Contract, each Buyer Sep 12, 2025 2:19:23 PM PDT

acknowledges receiving a copy of it. Buyer Michael Squillace

The Seller is responsible to fulfill any separate written warranty
made by Seller on its own behalf. If the Manufacturer or another
supplier provides a warranty, they are responsible for satisfying Buyer
its terms, NOT the Seller.
If neither box above is checked under Warranty Information the
Used Vehicle is sold AS-IS and the following paragraph applies: Buyer
THIS VEHICLE IS SOLD “AS-IS” WITH ALL FAULTS, WITHOUT ANY
WARRANTY, EITHER EXPRESS OR IMPLIED AND BUYER IS SOLELY
RESPONSIBLE FOR COST OF ANY REPAIRS TO THE VEHICLE. THE Acknowledgement of New Jersey Registration
SELLER EXPRESSLY DISCLAIMS ALL WARRANTIES, EITHER
 The Vehicle is a used passenger motor vehicle and will be
EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTIES OF
registered in New Jersey in the condition sold.
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
BUYER ASSUMES ALL RISKS AND RESPONSIBILITIES.

Used Car Buyer Notice

If you are buying a used vehicle: The information you see on
the window form for this vehicle is part of this contract.
Information on the window form overrides any contrary
provisions in the contract of sale.
(Spanish Translation) Sí compra un vehículo usado: La
información que ve adherida en la ventanilla forma parte de
éste contrato. La información contenida en el formulario de la
ventanilla prevalece por sobre toda otra disposición en
contrario incluida en el contrato de compraventa.

Buyers Order-NJ BUY-ORDER-NJ 6/1/2024

©2024 The Reynolds and Reynolds Company Bankers Systems®
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR Page 3 of 4
FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL.
Waiver of Used Vehicle Sale Dealer/Seller’s Obligation
Buyer does not waive the Dealer/Seller Obligations unless
signed below.
 Buyer Waives the Dealer/Seller Obligations. Buyer has read
and understood the Dealer/Seller obligations under the New
Jersey Motor Vehicle Certificate of Ownership Law. The
Dealer/Seller has disclosed the below list of known defects.
Buyer has reviewed the below list of known defects and
acknowledges that the known defects may need to be resolved
before a certificate of approval may be issued.
KNOWN DEFECTS:

Buyer WAIVES AND RELEASES the DEALER/SELLER

OBLIGATIONS and accepts the motor vehicle with KNOWN
DEFECTS.
eSigned By:

Michael Squillace
Sep 12, 2025 2:19:23 PM PDT

Buyer Michael Squillace

Buyer

Buyer

Signatures
This agreement is not binding upon the Dealer/Seller until it is
signed by an authorized representative of the Dealer/Seller.
You represent that you are of legal age and have legal capacity
to enter into this Contract.
 A separate Arbitration Agreement between you and
us is part of this Contract.
You received a copy of this Contract and by signing below, you
agree to the terms on all pages of this Contract and
acknowledge you had a chance to read and review it before
you signed it.
Entire Agreement. Your and our entire agreement is contained
in this Contract. There are no unwritten agreements regarding
this Contract.
eSigned By:

Michael Squillace 9/12/2025

Sep 12, 2025 2:19:23 PM PDT

Buyer Michael Squillace Date

Buyer Date

Buyer Date

eSigned By:

Christian Watson Sep 12, 2025 2:07:17 PM PDT

9/12/2025
Dealer/Seller Victory Auto Group Date

Buyers Order-NJ BUY-ORDER-NJ 6/1/2024

©2024 The Reynolds and Reynolds Company Bankers Systems®
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR Page 4 of 4
FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL.
 VEHICLE SERVICE CONTRACT MUST BE PURCHASED AT TIME OF SALE OF THE VEHICLE.
CLAIMS DEPT. 1-855-343-6753
ROADSIDE/TOWING ASSISTANCE 1-855-533-2033

CONTRACT PURCHASE DATE CONTRACT NUMBER

Powered by AUL
MONTH DAY YEAR
09 12 2025 FA014607I5
CUSTOMER INFORMATION
LAST NAME FIRST NAME E-MAIL ADDRESS
Squillace Michael 3312813@[Link]
ADDRESS CITY STATE ZIP CODE PHONE
946 Magnolia toad, Unit B Vineland NJ 08360 (856) 569-2369
CO-OWNER INFORMATION
LAST NAME FIRST NAME E-MAIL ADDRESS

ADDRESS CITY STATE ZIP CODE PHONE

SELLING DEALERSHIP INFORMATION

DEALER ID # DEALERSHIP NAME DEALERSHIP’S EMPLOYEE NAME PHONE
Victory Auto Group (856) 691-9068
ADDRESS CITY STATE ZIP CODE
847 S Delsea Dr Vineland NJ 08360
VEHICLE INFORMATION
VIN # YEAR MAKE MODEL
19UUB2F30FA014607 2015 Acura TLX
PRESENT MILEAGE VEHICLE PURCHASE PRICE
113354 $ 10495.00
COVERAGE INFORMATION
TERM* COVERAGE DEDUCTIBLE

Term:_______________
24 Months  Secure One Powertrain
X Secure One Advantage
 $ 100.00
Term:___________________
24000 Miles
*Coverage begins fifteen (15) Days and one EXPIRATION DATE: 9/12/2027
thousand (1000) miles after the CONTRACT
EXPIRATION MILEAGE: 137354
PURCHASE DATE listed above.
SINGLE PAYMENT CONTRACT PRICE LIENHOLDER
$ 1700.00 Westlake Financial
I have READ, UNDERSTAND, and AGREE to the terms and conditions within the body of this contract. I also UNDERSTAND that this Vehicle Service Contract is subject
to a fifteen (15) day and one thousand (1000) mile WAITING PERIOD before coverage begins and there is a complete description of the WAITING PERIOD in Section
1 of this Contract.
eSigned By:

Michael Squillace 9/12/2025

Sep 12, 2025 2:19:55 PM PDT

OWNER’S SIGNATURE DATE CO-OWNER’S SIGNATURE DATE

This Vehicle Service Contract contains an arbitration provision. It limits certain of YOUR rights, including YOUR right to obtain relief or damages through court action.
Purchase of this Vehicle Service Contract is not required in order to purchase or finance a motor vehicle.

In New York, the OBLIGOR is Western Diversified Services, Inc. In all other states, the OBLIGOR is Protective Administrative Services, Inc. The contact information for the
OBLIGOR is P.O. Box 830029, Birmingham, AL 35283-0029, 1-800-826-3207. This contract is between YOU and the OBLIGOR and provides coverage as indicated above.
This Vehicle Service Contract is not an insurance policy. The obligations under this contract are insured by Protective Property & Casualty Insurance Company. If a
covered CLAIM is not paid within sixty (60) days after YOU have fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with the insurance
company at: Contract Holder Services, 14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do
not receive a refund, please contact the insurance company.

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 SECTION 1. KEY TERMS AND PROVISIONS
This Vehicle Service Contract is not an insurance policy. This is a Vehicle Service Contract between the SERVICE CONTRACT HOLDER and the OBLIGOR. This Contract provides additional
information regarding responsibility for benefits. State restrictions may apply; please refer to the STATE DISCLOSURE section for details.
Any modification, alteration, or change to the preprinted terms and conditions of this Vehicle Service Contract shall render it invalid and of no force or effect. No coverage is afforded
under this Vehicle Service Contract without a valid Owner’s Signature.
This Vehicle Service Contract is only in force upon the receipt and acceptance of this Vehicle Service Contract by the OBLIGOR.
If any information contained in this Vehicle Service Contract about the SERVICE CONTRACT HOLDER, the COVERED VEHICLE or the coverage that YOU selected is in error, please
contact the ADMINISTRATOR or the SELLING DEALER immediately.
Purchase of this Vehicle Service Contract is not required in order to purchase or finance a motor vehicle.
THIS CONTRACT IS INCLUSIVE OF THE MANUFACTURER’S WARRANTY; IT DOES NOT REPLACE THE MANUFACTURER’S WARRANTY, BUT PROVIDES CERTAIN ADDITIONAL BENEFITS
DURING THE TERM OF THE MANUFACTURER’S WARRANTY. LOSSES COVERED BY THE MANUFACTURER DURING THE MANUFACTURER’S WARRANTY PERIOD ARE NOT COVERED
UNDER THIS CONTRACT.
The General Provisions of this Vehicle Service Contract contain several words that have special meanings. The following words are important in this Vehicle Service Contract and they
are printed in BOLD type below.
“ADMINISTRATOR” means the organization that we have retained to provide administrative and claim services for this Contract. In Louisiana, Nevada, and Wisconsin, the
ADMINISTRATOR is Wisconsin A.U.L., Inc. In all other states, the ADMINISTRATOR is A.U.L. Corp. The contact information for the ADMINISTRATOR is P.O. Box 830029,
Birmingham, AL 35283-002, 1-855-343-6753.
“CLAIM” means a request or demand made by YOU for benefits under this Vehicle Service Contract.
“CONTRACT PURCHASE DATE” means the date this Contract was purchased as listed on this Vehicle Service Contract.
“COST” means the usual and approved charges for parts and labor to repair or replace the covered part.
“COVERED VEHICLE” means the car, light duty truck, or van described as such on this Vehicle Service Contract.
“DECLARATIONS PAGE” means the numbered document executed by YOU which is part of this Vehicle Service Contract. It lists information regarding the COVERED VEHICLE, Vehicle
Service Contract terms, and other vital information.
“DEDUCTIBLE” means the amount that the SERVICE CONTRACT HOLDER must pay for covered repairs per repair visit. The DEDUCTIBLE will not apply to the ADDITIONAL BENEFITS
listed in SECTION 6. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT.
“EXPIRATION DATE” means the CONTRACT PURCHASE DATE plus the WAITING PERIOD plus the Term Months as listed on this Vehicle Service Contract.
“EXPIRATION MILEAGE” means the present mileage as listed on the DECLARATIONS PAGE of this Vehicle Service Contract plus the WAITING PERIOD plus the Term Miles as listed on
this Vehicle Service Contract. This Contract will expire at either the EXPIRATION DATE or the EXPIRATION MILEAGE, whichever occurs first, or when WE have wholly fulfilled OUR
financial obligations under the terms of the Limit of Liability clause of SECTION 7. WHAT IS NOT COVERED by this Contract.
“FAILURE” or “FAILED” means the inability of any covered component(s), which has received manufacturer’s recommended service, to perform the function(s) for which it was
designed, including when any covered component(s) has worn beyond the manufacturer’s tolerances allowed for the particular Vehicle at the mileage when the problem occurs.
“INTERNALLY LUBRICATED PART” means any internal part that requires lubrication to reduce friction between two moving surfaces.
“LIENHOLDER” means the company listed on the DECLARATIONS PAGE of this Vehicle Service Contract that has advanced the money for the purchase of this Vehicle Service Contract.
“OBLIGOR”, “WE”, “US” or “OUR” means the entity obligated to perform under this Vehicle Service Contract.. In New York, the OBLIGOR is Western Diversified Services, Inc. In
all other states, the OBLIGOR is Protective Administrative Services, Inc. The contact information for the is P.O. Box 830029, Birmingham, AL 35283-0029, 1-855-343-6753.
“ODOMETER MILES” means the mileage recorded on the odometer provided that it has not stopped or been changed to lower the actual mileage, as determined in accordance with
Public Law 92-513, Title IV, as amended.
“SELLING DEALER” means the Dealer described as such on this Vehicle Service Contract.
“SERVICE CONTRACT HOLDER,” “YOU,” and “YOUR” mean the owner designated as such on this Vehicle Service Contract.
“WAITING PERIOD” means the fifteen (15) day and one-thousand (1,000) mile time period after the CONTRACT PURCHASE DATE before coverage begins. The additional
time and mileage will be added to the term of this Vehicle Service Contract.

SECTION 2. MAINTENANCE RESPONSIBILITIES

The SERVICE CONTRACT HOLDER must have the COVERED VEHICLE serviced according to the service and maintenance schedule outlined in the owner’s manual published by
the manufacturer of the COVERED VEHICLE. YOU must also maintain proper fluid levels. The SERVICE CONTRACT HOLDER must keep all maintenance records, from the date
YOU purchased the COVERED VEHICLE to the EXPIRATION of this Vehicle Service Contract, supported by receipts indicating date, time, mileage, and service performed, and
these records must be available to the ADMINISTRATOR and/or the SELLING DEALER upon request. Proof of maintenance will be required for certain repairs under this Vehicle
Service Contract. Failure to provide proof of required maintenance may result in denial of coverage. Failure to properly maintain YOUR COVERED VEHICLE in accordance with
YOUR owner’s manual will result in denial of coverage.

SECTION 3. HOW TO OBTAIN REPAIRS

ADMINISTRATOR PHONE NUMBER AND ADDRESS: Toll Free 1-855-343-6753 | P.O. Box 830029, Birmingham, AL 35283-0029.
AFTER HOURS CLAIMS: For CLAIMs outside of the ADMINISTRATOR’s normal business hours, please follow the instructions in paragraph 4 below.
1. Prevent Further Damage: Take immediate action to prevent further damage to YOUR COVERED VEHICLE. Any damage resulting from continued operation of an impaired vehicle
will constitute failure to protect the COVERED VEHICLE and will not be covered under this Vehicle Service Contract.
2. Return YOUR COVERED VEHICLE to the SELLING DEALER: If YOUR COVERED VEHICLE is within sixty (60) miles of the SELLING DEALER, YOU must deliver the COVERED VEHICLE to the
SELLING DEALER at the address shown on the DECLARATIONS PAGE of this Vehicle Service Contract.
3. Call the ADMINISTRATOR for instructions on how to start a CLAIM at 1-855-343-6753: If YOUR COVERED VEHICLE is more than sixty (60) miles from the SELLING DEALER, WE reserve
the right to select the repair facility. Call the ADMINISTRATOR for instructions BEFORE YOU deliver YOUR COVERED VEHICLE to any repair facility other than the SELLING DEALER.
To ensure coverage under the terms of this Vehicle Service Contract, the repair facility must contact the ADMINISTRATOR and obtain their authorization PRIOR to beginning
teardown or repair. YOU are responsible for authorizing diagnosis or teardown of YOUR COVERED VEHICLE by the repair facility to determine the cause of FAILURE. If the FAILURE
is not covered under this Vehicle Service Contract, YOU will be responsible for these costs. The ADMINISTRATOR and the SELLING DEALER reserve the right to inspect YOUR COVERED
VEHICLE prior to any repair being made. The replaced parts will, at OUR option, be remanufactured, used or new parts of like kind and quality compatible with the
original design specifications and wear tolerances of YOUR COVERED VEHICLE.
4. Emergency Repairs: If emergency repairs covered by this Vehicle Service Contract are required outside the ADMINISTRATOR’s or SELLING DEALER’s business hours, the SERVICE
CONTRACT HOLDER should deliver the COVERED VEHICLE to a licensed repair facility and have the necessary repairs performed at a reasonable and customary charge. On the next
business day, the SERVICE CONTRACT HOLDER should report the repairs to the ADMINISTRATOR. To report an emergency repair and obtain a reimbursement, please call 1-855-
343-6753 for instructions. Emergency repairs are only those repairs, which, if not performed, would render YOUR COVERED VEHICLE inoperable or unsafe to drive and impair its
future operation.

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 SECTION 4. TRANSFER AND RENEWAL PROCEDURES
This Vehicle Service Contract may be transferred one time to a new owner during the Vehicle Service Contract term. This Vehicle Service Contract may not be assigned
separately from the COVERED VEHICLE, nor can it be assigned or transferred to a new-or used-car dealer or anyone other than the individual who is purchasing the COVERED
VEHICLE for personal use. A transfer fee of fifty dollars ($50.00) will be charged. The new owner must supply the ADMINISTRATOR with their name, address, telephone
number, current vehicle mileage on COVERED VEHICLE, a copy of the bill of sale to validate the transfer, and all maintenance records from the previous owner dating back
to the CONTRACT PURCHASE DATE. The ADMINISTRATOR must be notified within thirty (30) days of the date of sale of the COVERED VEHICLE for the transfer to the new
owner to be effective. Once transferred, this Vehicle Service Contract is non-refundable. This Vehicle Service Contract is not transferable from vehicle to vehicle. This Vehicle
Service Contract is not renewable.
SECTION 5. CANCELLATION
1. YOU may cancel this Contract before it expires by returning to the SELLING DEALER to complete a cancellation request or by sending your written and currently
dated request to US, or the ADMINISTRATOR by mail, fax or email to P.O. Box 830029, Birmingham, AL 35283‑0637, Fax 707-226-1863 or
[Link]@[Link].
Cancellation will be effective as of the date WE, our ADMINISTRATOR or the SELLING DEALER receive your cancellation request.
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. Material misrepresentation or fraud by YOU with regard to the Contract;
b. If YOU fail to maintain the COVERED VEHICLE as prescribed by the manufacturer;
c. If the odometer has been tampered with or disabled and YOU failed to repair or replace the odometer; or
d. YOU did not pay the Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund
whatever portion of the Contract Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU or WE cancel this Contract within thirty
(30) calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund unearned Amount Paid, less the amount of any
CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser of the amount determined based on unused
time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of fifty dollars ($50). The unearned Amount Paid will be calculated on a pro‑rata basis and will be
the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and CLAIMS have been paid, WE will refund the
Amount Paid. If a CLAIM has been incurred, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned Amount
Paid will be calculated on a pro‑rata basis and will be the lesser of the amount determined based on unused time or unused miles using the date
WE discover the reason for cancellation as the cancellation date.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
4. WE will honor the rights of a lienholder or lessor to obtain some, or all of the refund based on 3a, 3b, 3c and 3d above. At our discretion, WE may issue a
refund to the lienholder or lessor as sole payee, to the lienholder or lessor and YOU as joint payees, or, if YOU provide us with proof of clear title, to YOU as
sole payee. In the event of a repossession, charge off, or total loss, your rights to cancel the Contract transfer to the lienholder or lessor if the Contract was
financed with your COVERED VEHICLE and any refund due, based on 3a, 3b and 3d, above, will be paid directly to the lienholder or lessor as sole payee.
5. If YOU do not receive a refund or refund credit to your loan or lease within thirty (30) days of the effective date of your cancellation, please notify the
ADMINISTRATOR.

SECTION 6. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT

This Vehicle Service Contract will cover the parts listed below based on the coverage level that YOU purchased. Only those parts specifically listed below are covered. Refer
to the DECLARATIONS PAGE to determine which coverage group(s) apply to YOUR COVERED VEHICLE. Items listed in SECTION 7. WHAT IS NOT COVERED are not covered
under this Vehicle Service Contract.

[Link] COVERAGE
A. Engine Group: All INTERNALLY LUBRICATED PARTs. Crankshaft and bearings, oil pump, fuel pump, diesel injection pump, internal timing gears or chain/belt,
camshaft, camshaft bearings, valve lifters, rocker arm assemblies and push rods, valve guides, pistons and rings, wrist pins, connecting rods, motor mounts, and
distributor drive gear. The engine block and cylinder heads are covered only if damage is caused by the FAILURE of an INTERNALLY LUBRICATED PART. ENGINE
(Rotary): All of the above listed parts plus rotors, rotor seals, rotor chamber, eccentric shaft and bearings.
B. Turbocharger/Supercharger: Factory installed turbocharger or supercharger, including housing, and all internal parts.
C. Transmission, Transaxle and Transfer Case (4x4/AWD): All INTERNALLY LUBRICATED PARTs. Drive shaft/U joint, torque converter, and transmission mounts.
Case housings are covered if damaged by the FAILURE of an INTERNALLY LUBRICATED PART.
D. Drive Axle Group (Front or Rear): Pinion bearings, side carrier bearings, ring and pinion gears, carrier assembly, thrust washers, axles, axle bearings, constant
velocity joints, internal transaxle seal, and drive axle housing if damaged by the FAILURE of an INTERNALLY LUBRICATED PART.
E. Seals and Gaskets: Seals and gaskets are covered when replaced in conjunction with a covered FAILURE.

[Link] COVERAGE
All POWERTRAIN COVERAGE as listed above, plus:
A. Power Steering Group: Steering gear box, pump assembly, rack and pinion, pitman arm, idler arm, tie rod, control valves, and intermediate shafts.
B. Air Conditioning Group: Compressor, condenser, evaporator, a/c clutch & coil, expansion valve, receiver drier, blower motor, and heater control valve.
C. Electrical Group: Alternator, starter motor, front and rear wiper motors, voltage regulator, distributor, solenoids, electronic fuel injectors, throttle position
sensor, front oxygen sensor, crankshaft position sensor, camshaft position sensor, fuel pressure sensor, electronic ignition module, ignition coils, power window
motors/regulators, power mirror motors, power seat motors, 4WD encoder motor, power lock actuators, and the following manually operated switches: window
switch, seat adjuster switch, headlight switch, turn signal switch, door lock switch, wiper switch, ignition switch.
[Link] BENEFITS/ROADSIDE ASSISTANCE (ALL Plans)
In order to obtain the additional benefits listed below, please call 1-855-533-2033.
1. Towing: In the event the COVERED VEHICLE becomes disabled due to a mechanical FAILURE which renders the COVERED VEHICLE inoperable, WE will arrange
to have the COVERED VEHICLE transported, one time per CLAIM, to the nearest qualified repair service facility within one hundred fifty (150) miles. YOU are
responsible for any charges that exceed the stated coverage limit.
2. Flat Tire Change: In the event of a flat tire on the COVERED VEHICLE, WE will arrange for a service provider to mount an inflated spare tire provided by YOU. In
the event the spare tire is not functional, WE will provide YOU with transportation to the nearest tire store for repairs.
3. Emergency Fuel Delivery Service: In the event the Vehicle runs out of gas, WE will arrange for a service provider to deliver two (2) gallons of gas to the COVERED
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 VEHICLE. YOU are responsible for the cost of the emergency supply of gas at the time of delivery. (Compressed Natural Gas (CNG) vehicles excluded)
4. Battery Jump Service: In the event the COVERED VEHICLE will not crank due to a weak or “run-down” battery, WE will arrange for a service provider to boost
or jump-start the battery.
5. Key Lockout Service: In the event the keys for the COVERED VEHICLE are lost, broken or accidentally locked in the COVERED VEHICLE, WE will arrange for a
service provider to unlock the COVERED VEHICLE and will pay up to a maximum of one hundred dollars ($100) per occurrence for the locksmith service, excluding
the cost of replacement keys. YOU are responsible for the cost of any replacement keys at the time of service.
To obtain roadside assistance, call 1-855-533-2033.

[Link] CAR
The ADMINISTRATOR will reimburse the SERVICE CONTRACT HOLDER, for actual rental car expense incurred, up to thirty dollars ($30.00) per twenty-four (24) hour
period, with a one hundred fifty dollar ($150.00) maximum per CLAIM. In order to qualify for reimbursement, the COVERED VEHICLE must: 1) be retained by the repair
facility overnight, and; 2) have a FAILURE to a covered component based on the coverage plan selected, that if driven, would result in further damage to the COVERED
VEHICLE. An additional ninety dollars ($90.00) of rental coverage applies only in the event of a parts delay when an internal repair or replacement is performed on a
major component (Engine Group, Transmission Group, Drive Axle Group). Reimbursement will not continue beyond the day that repairs are completed and the
SERVICE CONTRACT HOLDER is notified of completion. Reimbursement is only valid if rental is from a licensed car rental agency.

V. TRIP INTERRUPTION
In the event of a FAILURE of the COVERED VEHICLE during the term of this policy, YOU will be reimbursed up to $100 per day for up to three (3) days for meals and
lodging when the FAILURE occurs more than 150 miles from YOUR residence. Benefits are per FAILURE and YOU must remain overnight for YOUR lodging and meals
between the date of the FAILURE and the date the repairs are completed. YOU must provide to us valid lodging and meal receipts in order to be reimbursed.

SECTION 7. WHAT IS NOT COVERED

A. Repairs or replacements not authorized in advance by the ADMINISTRATOR, except for repairs that qualify as Emergency Repairs as described in SECTION 3. HOW TO OBTAIN
REPAIRS.
B. Repairs or replacements of components of the COVERED VEHICLE that were not operating properly in accordance with manufacturer’s specifications at the time of sale of this
Vehicle Service Contract.
C. Any mechanical breakdown or FAILURE that occurs to or results from non-standard (any component not installed by the original manufacturer) or high performance parts,
alternate fuels, any mechanical or electrical alterations made to the COVERED VEHICLE including, but not limited to, the use of oversized tires, mismatched tire sizes according
to manufacturer’s guidelines, installation of header pipes, lift kits, or snow plow equipment or fittings.
D. Any part, repair, or replacement thereof while covered by insurance, a manufacturer’s warranty, recall program, factory service bulletins, special policy, certified program or
dealer warranty.
E. Any COVERED VEHICLE if the odometer has been tampered with, altered, disconnected (excluding during maintenance or repair) or not maintained in working order, causing
it to not record actual mileage driven.
F. Any mechanical breakdown or FAILURE caused by (a) failure to service the COVERED VEHICLE as recommended by the manufacturer; (b) overheating, regardless of the cause
of overheating or resulting from contamination or inadequate amounts of coolant, lubricants, or fluids; (c) continued operation of YOUR COVERED VEHICLE or failure to use
reasonable means to protect YOUR COVERED VEHICLE from further damage after a FAILURE occurs; (d) sludge, rust, residue, or corrosion; (e) lack or loss of oil or lubricant, or
poor quality lubricant or fluids; or (f) OWNER OR DRIVER NEGLIGENCE OR MISUSE, WHICH SHALL INCLUDE OPERATION OF THE VEHICLE AFTER THE FAILURE OF ANY PART,
THE NORMAL OPERATION OF WHICH IS REQUIRED TO MAINTAIN A SAFE ENGINE OPERATING TEMPERATURE. AN UNSAFE ENGINE OPERATING TEMPERATURE IS INDICATED
BY GAUGES, WARNING LIGHTS, OR AUDIBLE WARNING SOUNDS.
G. Any vehicle used for any form of competitive driving, racing or abusive driving.
H. Any COVERED VEHICLE used for pulling a trailer with a gross vehicle weight in excess of 1,500 pounds unless the vehicle is equipped as recommended by the manufacturer.
I. The following, unless required in connection with repairs or replacements covered hereunder: adjustments, wheel or suspension alignments, wheel balancing, engine tune-
ups, grinding valves, refrigerants, reprogramming.
J. Phones, Wireless Transmitting Devices, Television/VCR, DVD Players and LCD Screens (except as described in this Vehicle Service Contract), Satellite Radio, Electronic Device
Software.
K. Commercial use including, but not limited to, public hire, rental, taxi, or livery, and vehicles with non-standard equipment installed specifically to facilitate commercial use.
L. During the period covered by this Vehicle Service Contract, it may become necessary to: (a) replace spark/glow plugs, cap and rotors, points, fuses, wiper blades, PCV valves,
emission components, fly wheels, flex plates, clutch assembly and hydraulics, brake and clutch linings, pressure plate, throw-out and pilot bearings, hoses, molded rubber or
rubber like items, filters, glass and glass lenses, windows, any component whose only purpose is for illumination, such as but not limited to: sealed beams, high intensity
discharge (h.i.d. or xenon) bulbs, h.i.d. headlamp assemblies, ballasts, h.i.l.e.d. cooling systems, l.e.d. assemblies, light bulbs, lenses, wheels, tires, trim, moldings, bright metal,
upholstery, paint, exhaust system, brake rotors and drums, batteries, carburetor; (b) adjustments to carburetor, throttle body assembly, ignition, transmission bands, belts or
clutch system; (c) clean fuel and cooling systems, or remove sludge or carbon deposits; (d) add oil, coolant, fluids, lubricants, greases, or refrigerants. Costs for these services
and parts are not covered by this Vehicle Service Contract, regardless of the cause of failure.
M. Storage charges, shop supplies, and materials charge; diagnostic procedures not in the flat rate time to repair the covered component.
N. Losses resulting from delays or failures caused by acts of God, accidental loss or damage, collision or upset, falling missiles or objects, fire, theft, larceny, explosion, lightning,
earthquake, windstorm, hail, water, flood, freezing, malicious mischief, vandalism, war, riot or civil commotion, labor strikes, or other causes beyond the control of the
OBLIGOR.
O. Incidental or consequential damages, such as loss of time, inconvenience or loss of use of the COVERED VEHICLE or injury or death to any persons.
P. A part or component that a repair facility may recommend replacing but which has not FAILED.
Q. Maintenance services and parts described in the Manufacturer’s Maintenance Schedule for the COVERED VEHICLE.
R. Rust damage or body repair, convertible or vinyl tops, air and water leaks, wind noise, weather strips, squeaks, and rattles.
S. Repairs or replacements made outside the United States or Canada.
T. Repairs to correct loss of compression or oil consumption related to burnt or carbonized piston rings or valve components.
U. Mechanical breakdown caused by ruptured or damaged constant velocity boots.
V. Damage to a covered part resulting from a mechanical breakdown or FAILURE of a non-covered part, or from faulty or negligent repairs, or installation of defective parts.
W. Damages for bad faith, punitive or exemplary damages, property damage (except as specifically stated in this Vehicle Service Contract), and attorney fees.
X. Any vehicle not originally manufactured to U.S. specifications or with restricted titles, commonly known as a grey market vehicle; salvaged vehicles, factory buybacks,
assembled, dismantled, scrap, fire, flood, physical damage, saltwater, frame change, motor change, body exchange, junk or parts only.
Y. Limit of Liability (per repair visit)-The COST of repairs in excess of the approved COST to correct any FAILURE using the approved retail labor time from a nationally recognized
labor time guide (i.e. Motors Guide, All-Data), less any DEDUCTIBLE. Parts replacement costs shall not exceed the Manufacturer’s suggested retail price. In no event shall OUR
liability exceed either of the following amounts: the approved COST necessary to correct the actual cause of FAILURE or the Actual Cash Value of the vehicle at the time of sale.
Z. Limit of Liability (Aggregate)-The aggregate total of all repairs and benefits paid or payable while this Vehicle Service Contract is in force shall not exceed the NADA actual cash
value of the COVERED VEHICLE at time of current repair, or five thousand dollars ($5000.00), whichever is greater.
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AA. Authorized covered repairs that have not been submitted to the ADMINISTRATOR within one hundred eighty (180) days from date of completed repairs.
BB. Mechanical breakdown caused by or due to the failure of nuts, bolts, or fasteners (internal and/or external).
CC. Parts not expressly listed in SECTION 6. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT, are not covered.
DD. Failure occurring within the first fifteen (15) Days and one thousand (1000) Miles after the Service CONTRACT PURCHASE DATE.
EE. Ineligible vehicles including but not limited to: Acura NSX, Alfa Romeo, Audi A8, Audi R-Series, Audi RS-Series, Audi S-Series, Audi 2.7L Equipped, Bentley, BMW
Alpina, BMW 7 Series, BMW 8 Series, BMW M Series, BMW Z8, Cadillac Allante, Cadillac Catera, Cadillac V-Series, Cadillac XLR, Chevrolet Camaro Z/28 >2014,
Chevrolet Corvette GS, Chevrolet Corvette ZO6, Chevrolet Corvette ZR1, Chevrolet ZL1, Chrysler Prowler, Daewoo, Daihatsu, Dodge Sprinter, Dodge Stealth, Dodge
Viper, Dodge SRT Hellcat, Ferrari, Fiat (Model years <12), Ford Cobra Models, Ford Mach 1, Ford Saleen/Roush, Ford Supercharged, Ford SVT Models, Hummer H1,
Jaguar, Land Rover, Lamborghini, Lexus 600h, Lexus F Performance, Lotus, Maserati, Mercedes AMG Series, Mercedes CL/CLS Class, Mercedes G/GL/GLA/GLK Class,
Mercedes S/SL Class, Mercedes SLS Class, Merkur, MG, Mitsubishi 3000GT, Nissan GT-R, Peugeot, Plymouth Prowler, Porsche, Range Rover, Renault, SAAB, Saturn
Redline, Sterling, Subaru WRX STI, Tesla, Triumph, Volkswagen Eurovan, Volkswagen Passat W8, Volkswagen Phaeton, Volkswagen Touareg V10, Yugo, Vehicles
Exceeding One-Ton, Pre-1983 American Diesel Equipped Vehicles, Buses, Squad Cars, Taxis, *Business Use Vehicles, Racing Vehicles, Factory “Buyback” Vehicles,
Grey Market Vehicles, except “Canadian” Vehicles, Salvaged Vehicles, All Exotic Vehicles, Vehicles modified from Manufacturer Specifications, Vehicles equipped
with a 10 Cylinder Engine (except Trucks/Vans), Vehicles equipped with a 12 Cylinder Engine or W8 Engine, Vehicles equipped with a GM HT4100, Police Trim
Vehicles.

SECTION 8. ARBITRATION PROVISION

READ THE FOLLOWING ARBITRATION PROVISION ("PROVISION") CAREFULLY. IT LIMITS CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO OBTAIN RELIEF OR DAMAGES
THROUGH COURT ACTION.
Except for matters that may be taken to small claims court or as otherwise provided in this Contract, any controversy or CLAIM arising out of or relating to it, or to its breach,
shall be settled by binding arbitration administered by the American Arbitration Association (the “AAA”) in accordance with the rules and provisions of its most appropriate
dispute resolution program then in effect. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction to enter such a judgment. YOU
and WE acknowledge that this Contract evidences a transaction involving interstate commerce. The Federal Arbitration Act will govern the interpretation, enforcement, and
proceedings pursuant to this Contract’s arbitration provisions.
1. In no event will YOU have the right to file or participate in a class action or any other collective proceeding against us. Only a court, and not arbitrators, can
determine the validity of this class action waiver.
2. Subject to the preceding paragraph, YOU and WE consent to have arbitration under this Contract joined with any other arbitration between YOU, on the one hand,
and us, our agent, our administrator and/or the insurer backing OUR obligations under this Contract, on the other hand, to the extent the disputes are related, and
joinder is reasonably feasible. The combined arbitration will be governed by this Contract’s arbitration provisions unless that is not practical. In that case, it will be
governed by the other arbitration provisions.
3. If the AAA is not available to administer this Contract’s arbitration, WE will select another generally recognized arbitration administrator, reasonably acceptable to
YOU. The arbitration will be under that administrator’s rules, subject to any contrary provisions of this Contract.
4. If YOU dispute a CLAIM determination under this Contract, YOU must initiate arbitration or, when applicable, a court proceeding within sixty (60) calendar days
following the determination. If YOU have exercised YOUR right to seek satisfaction from an insurer backing our obligations under this Contract, the sixty (60) days will
be measured from the insurer’s determination. YOUR failure to meet this requirement will deny YOU the right to dispute the determination. In no event may
arbitration or a court proceeding arising out of or relating to this Contract, or to its breach, be brought more than two (2) years after this Contract has expired.
5. These PROVISIONS will survive the termination of this Contract and apply to cover any controversy, CLAIM, or dispute YOU may have with an insurer backing OUR
obligations under this Contract.
IF THIS CONTRACT IS FOUND NOT TO BE SUBJECT TO ARBITRATION, ANY LEGAL PROCEEDING WITH RESPECT TO A DISPUTE WILL BE TRIED BEFORE A JUDGE IN A COURT OF
COMPETENT JURISDICTION. YOU AND WE WAIVE THE RIGHT TO A JURY TRIAL IN ANY SUCH PROCEEDING.

SECTION 9. STATE DISCLOSURES

The following state specific requirements are added to and become part of YOUR Vehicle Service Contract and supersede any other provision to the contrary:
ALABAMA: This Contract does not cover pre-existing conditions. Service contracts purchased in the state of Alabama shall be governed by the laws of Alabama.
Subsections 2 and 3 SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered by this Contract or has been altered beyond the manufacturer’s specifications, except as
otherwise provided in this Contract;
c. The COVERED VEHICLE'S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts, components or equipment,
the COVERED VEHICLE has a branded title or the COVERED VEHICLE’S rating exceeds one ton;
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least five (5) days prior to the effective
date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE, WE will refund whatever portion of the Contract Price
was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU have not incurred a CLAIM, a 10% penalty per month shall be added to a refund
that is not paid or credited within forty-five (45) days after YOUR written cancellation request is received.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less a
processing fee of $25. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of the amount determined based on
unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid. The unearned amount Paid will be calculated on a pro-
rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the lesser of the amount determined based on
unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
The last paragraph in SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following: If this Contract is found not to be subject to arbitration, any
legal proceeding with respect to a dispute will be tried before a judge in a court of competent jurisdiction in the state of Alabama. YOU AND WE WAIVE THE RIGHT
TO A JURY TRIAL IN ANY SUCH PROCEEDING.
ARKANSAS: SECTION 1. KEY TERMS AND PROVISIONS is hereby amended to include the following: PUNITIVE DAMAGES are those imposed to punish a wrongdoer and
to deter others from similar conduct. EXEMPLARY DAMAGES are those awarded in addition to actual damages.

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SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following: SECTION 8. Matters Concerning Disputes Any legal proceeding with respect to a
dispute will be tried before a judge in a court of competent jurisdiction. Any legal proceeding arising out of or relating to this Contract, or to its breach, must be brought
within the time allowed by law.
ARIZONA: This Contract does not cover pre-existing conditions unless such conditions were known or should reasonably have been known by US or the SELLING DEALER.
Section 44-1267 of the Arizona Revised Statute requires a dealer to provide a warranty covering pre-owned motor vehicles with a weight of 10,000 pounds or less which
provides coverage for up to 15 days or 500 miles after the delivery of the vehicle, whichever occurs first. If YOUR Vehicle is covered by this law, this Contract may
provide YOU with additional protection during the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged
separately only for this Contract. The dealer warranty, if required, is provided free of charge.
SECTION 1. KEY TERMS AND PROVISIONS, the statement “This Vehicle Service Contract is only in force upon the receipt and acceptance of this Vehicle Service Contract
by the OBLIGOR.” is deleted and does not apply.
SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non-refundable.
Subsections 2 and 3 SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’S odometer, while the COVERED VEHICLE is owned by YOU, does not accurately indicate actual miles driven because it was
disconnected, altered, tampered with or not promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered by this Contract or has been altered beyond the manufacturer’s specifications while the
COVERED VEHICLE is owned by YOU, except as otherwise provided in this Contract;
c. The COVERED VEHICLE'S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts, components or equipment
while the COVERED VEHICLE is owned by YOU, the COVERED VEHICLE has a branded title or the COVERED VEHICLE'S rating exceeds one ton;
d. YOU did not pay the full Contract Price.
Cancellation will be effective as of the date WE discover the reason for cancellation.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE, WE will refund whatever portion of the Contract
Price was paid by YOU or on YOUR behalf (the “Amount Paid”).
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid,
less a processing fee of fifty ($50) dollars or ten percent (10%) of the Amount paid whichever is less. The unearned Amount Paid will be calculated
on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid. The unearned amount Paid will be calculated on a pro-
rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the lesser of the amount determined based on
unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
SECTION 7. WHAT IS NOT COVERED, B. is deleted and does not apply.
SECTION 7. WHAT IS NOT COVERED, C., K. and N. are amended to add the following: C., K. and N., only apply during the Term of this Vehicle Service Contract, while
owned by the SERVICE CONTRACT HOLDER. This Vehicle Service Contract cannot be cancelled or voided due to any conditions listed in C., K. and N. which occurred prior
to the CONTRACT PURCHASE DATE.
SECTION 7. WHAT IS NOT COVERED, E. is deleted and replaced with the following: Vehicles for which the odometer has been tampered with, disconnected or altered in
anyway by the SERVICE CONTRACT HOLDER.
SECTION 7. WHAT IS NOT COVERED, F.(b) is amended to add the following: (b) FOR REPAIR COSTS OR EXPENSES CAUSED BY THE FAILURE OF YOU TO MAINTAIN PROPER
QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS;
SECTION 7. WHAT IS NOT COVERED, T. is deleted and does not apply.
SECTION 7. WHAT IS NOT COVERED, X. in is deleted and does not apply.
SECTION 8. ARBITRATION PROVISION is amended to include the following: Arbitration does not preclude your right to file a complaint with the Arizona Department of
Insurance and Financial Institutions at 100 N. 15th Ave., Suite 261, Phoenix, Arizona 85007‑2624
COLORADO: Our obligations under this Contract are backed by Protective Property & Casualty Insurance Company. The policy number is SL55-CO905-0318. If a Covered
Repair is not paid within sixty (60) days YOU have fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with the insurance company at:
Contract Holder Services, 14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do not receive
a refund from us or the SELLING DEALER, please contact the insurance company.
CONNECTICUT: Section 42-221 of the Connecticut General Statutes require a dealer to provide the following warranty on certain pre-owned motor vehicles: coverage
for 30 days or 1,500 miles, whichever occurs first, for vehicles with a sale price of $3,000 but less than $5,000 and coverage for 60 days or 3,000 miles, whichever occurs
first, for vehicles with a sale price of $5,000 or more. If YOUR COVERED VEHICLE is covered by this law, this Contract may provide YOU with additional protection during
the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged separately only for this Contract. The dealer warranty,
if required, is provided free of charge.
If the Contract Term is less than 12 months, WE will automatically extend the Contract Term for at least the number of days YOUR COVERED VEHICLE is in the possession
of a Repair Facility for Covered Repairs during the Contract Term.
SECTION 3. HOW TO OBTAIN REPAIRS, 3. is amended to add the following: If the SERVICE CONTRACT HOLDER reports a covered claim to the ADMINISTRATOR prior to
the expiration of the Vehicle Service Contract, the ADMINISTRATOR will repair or replace the covered components or cause such repair or replacement to be made
by an authorized repair facility even if the period of time required for such repair extends beyond the expiration of the Vehicle Service Contract, or the repair facility
causes the Vehicle Service Contract to expire by mileage due to test drives.
Subsection 1 of SECTION 5. CANCELLATION is amended by adding the following: YOU may cancel this Contract if YOU return the COVERED VEHICLE or the COVERED
VEHICLE is sold, lost, stolen or destroyed.
SECTION 6. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT, Towing: is amended to add the following: Any dollar amount charged for distances over this one
hundred fifty (150) mile limit per occurrence must be paid by the SERVICE CONTRACT HOLDER.
SECTION 8. ARBITRATION deleted and replaced with the following: SECTION 8. MATTERS CONCERNING DISPUTES In the event that YOU and WE cannot resolve a
dispute over the terms of the Contract or a CLAIM, YOU may file a formal written complaint with the Consumer Affairs Division of the Insurance Department. The
complaint shall be mailed to: State of Connecticut Insurance Department, P.O. Box 816, Hartford, CT 06142-0816, Attention: Consumer Affairs. The written complaint
must describe the dispute, identify the purchase, or lease price of the COVERED VEHICLE and cost of repair, and include a copy of the Contract. The dispute will be
resolved in accordance with the mediation and arbitration provisions set forth in Connecticut Regulation Sections 42-260-3 through 42-260-5.
DISTRICT OF COLUMBIA: Obligations of the provider under this service contract are insured under a service contract reimbursement insurance policy. The name and
address of the insurer are listed on the DECLARATIONS PAGE.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:

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 a. The COVERED VEHICLE'S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract.
c. The COVERED VEHICLE'S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts, components or
equipment, the COVERED VEHICLE has a branded title or the COVERED VEHICLE'S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least five (5) days prior to the
effective date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price, material misrepresentation by YOU to us or
a substantial breach of duties by YOU relating to the COVERED VEHICLE or its use.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIMS have been paid, WE will refund
100% of whatever portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not
incurred a CLAIM, a 10% penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after the date WE
receive your written cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and
a CLAIM has been paid, WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated
on a pro‑rata basis and will be the lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the 100% of unearned Amount Paid,
less any CLAIMS paid and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned Amount Paid will be calculated on a
pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
100% of the Amount Paid. If YOU have incurred a CLAIM, WE will refund 100% of the unearned Amount Paid, less the amount of any CLAIMS paid.
The unearned Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date
and will be the lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following: SECTION 8. MATTERS CONCERNING DISPUTES Any legal proceeding with respect
to a dispute will be tried before a judge in a court of competent jurisdiction. YOU and WE waive the right to a jury trial in any such proceeding. In no event may a
legal proceeding arising out of or relating to this Contract, or to its breach, be brought more than two (2) years after this Contract has expired.
GEORGIA: SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is
nonrefundable. OUR obligations under this Contract are backed by Protective Property & Casualty Insurance Company. If a Covered Repair is not paid within sixty
(60) days after YOU have fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with the insurance company at: Contract Holder Services,
14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do not receive a refund from us or
the SELLING DEALER within sixty (60) days after YOU request cancellation, YOU may request the refund directly from the insurance company.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires only for any of the following reasons:
a. YOU commit fraud;
b. YOU make a material misrepresentation; or
c. YOU did not pay the full Contract Price.
WE will mail a written notice of cancellation to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least thirty (30) days
prior to the effective date of cancellation.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE, WE will refund 100% of whatever portion of the
Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU or WE cancel this Contract within 30 calendar days of the
CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund 100% of the Amount Paid, less the amount of any CLAIMS paid. If YOU
cancel this Contract, a 10% penalty per month will be added to a refund that is not paid or credited within forty-five (45) days after the date WE
receive YOUR written cancellation request.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund 100% of the unearned Amount Paid,
less the amount of any CLAIMS paid and an administrative fee of fifty dollars ($50) or 10% of the unearned Amount Paid, whichever is less. The
unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused
miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
100% of the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid, less the amount of any CLAIMS paid. The
unearned Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and
will be the lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
SECTION 7. WHAT IS NOT COVERED items are amended as follows:
Item B. Repairs or replacements of components known by YOU of the COVERED VEHICLE, which were not operating properly in accordance with manufacturer’s
specifications at the time of the sale of this Vehicle Service Contract;
Item C. Any MECHANICAL BREAKDOWN or FAILURE that occurs to or results from non-standard (any component not installed by the original manufacturer) or high
performance parts, alternate fuels, any mechanical or electrical alterations made to the COVERED VEHICLE by YOU or with YOUR knowledge including, but not limited
to: installation of header pipes, snow plow equipment or fittings, the removal of originally installed parts, mismatched tire sizes according to manufacturer’s guidelines, lift
kits and oversized wheels or tires.
Item E. Any COVERED VEHICLE, if while owned by YOU, the odometer has been tampered with, altered, disconnected (excluding during maintenance or repair) or not
maintained in working order, causing it to not record actual mileage driven;
Item F. (b) for repairs costs or expenses caused by the failure to maintain proper qualities or levels of coolant or lubricant while owned by YOU;
Item F. (d) rust, residue, or corrosion;
Item L. (c) clean fuel and cooling systems, or remove carbon deposits;
SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following: SECTION 8. MATTERS CONCERNING DISPUTES Any legal proceeding with respect to
a dispute will be tried before a judge in a court of competent jurisdiction. In no event may a legal proceeding arising out of or relating to this Contract, or to its
breach, be brought more than two years after this Contract has expired.
HAWAII: Hawaii Revised Statutes requires a dealer to provide the following warranty on certain pre-owned motor vehicles with a weight of 10,000 pounds or less:
coverage for 90 days or 5,000 miles, whichever occurs first, for vehicles with less than 25,000 miles at the time of sale; coverage for 60 days or 3,000 miles, whichever
occurs first, for vehicles with 25,000 miles or more but less than 50,000 miles at the time of sale; and coverage for 30 days or 1,000 miles, whichever occurs first, for

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vehicles with 50,000 miles or more but less than 75,000 miles at the time of sale. If the COVERED VEHICLE is covered by this law, this Contract may provide YOU with
additional protection during the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged separately only for this
Contract. The dealer warranty, if required, is provided free of charge.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE'S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE'S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE'S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least five (5) days prior to the
effective date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund
whatever portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred
a CLAIM, a 10% penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after the date WE receive your
written cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has
been paid, WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata
basis and will be the lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid,
less the amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the
lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will
refund the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid, less the amount of any CLAIMS paid. The
unearned Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and
will be the lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
If YOU have a question or complaint, YOU may contact the Insurance Commissioner, 335 Merchant Street, Rm. 213, Honolulu, Hawaii 96813.
IDAHO: Coverage afforded under this Vehicle Service Contract is not guaranteed by the Idaho Insurance Guaranty Association. SECTION 4. TRANSFER AND RENEWAL
PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is nonrefundable.
ILLINOIS: Pursuant to 815 Illinois Stat. 505/2L, a dealer is required, under certain circumstances, to provide a warranty covering certain pre-owned motor vehicles that
do not have a title branded “rebuilt” or “flood” and have 150,000 miles or less at the time of sale. The warranty provides power train component coverage for 15 days
or 500 miles after delivery of a vehicle, whichever occurs first. If the COVERED VEHICLE is covered by this law, this Contract may provide YOU with additional protection
during the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged separately only for this Contract. The dealer
warranty, if required, is provided free of charge. SECTION 1. KEY TERMS AND PROVISIONS, The definition of “FAILURE” is amended to add the following: Coverage will
be afforded for wear and tear that exceeds the manufacturer’s specifications. SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following
sentence: Once transferred, this Vehicle Service Contract is nonrefundable. Subsection 1 of SECTION 5. CANCELLATION is amended by adding the following:
WE are responsible for honoring cancellation requests. However, the ADMINISTRATOR or SELLING DEALER may handle a request for cancellation on OUR behalf.
Subsection 3 of SECTION 5. CANCELLATION is deleted and replaced with the following:
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund
whatever portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU or WE cancel this Contract within thirty
(30) calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund unearned Amount Paid, less the amount of any
CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser of the amount determined based on unused
time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned Amount Paid will be calculated
on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
INDIANA: This service contract is not insurance and is not subject to Indiana insurance law. This Vehicle Service Contract is not an insurance policy. OUR obligations
under this Contract are backed by Protective Property & Casualty Insurance Company. If a Covered Repair is not paid within sixty (60) days after YOU have fulfilled the
requirements for reporting a CLAIM, YOUR may file a CLAIM directly with the insurance company at: Contract Holder Services, 14755 North Outer Forty Rd., Suite 400,
Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do not receive a refund from US or the SELLING DEALER within sixty (60) days
after YOU request cancellation, YOU may request the refund directly from the insurance company. YOUR proof of payment to the SELLING DEALER, OBLIGOR, or the
ADMINISTRATOR which issued this Vehicle Service Contract shall be considered proof of payment to the Insurance Company identified on the DECLARATIONS PAGE
which guarantees OUR obligations to YOU.
SECTION 7. WHAT IS NOT COVERED, B. is amended as follows: Repairs or replacements of components of the COVERED VEHICLE that were not operating properly, and
known by YOU, in accordance with manufacturer’s specifications at the time of sale of this Vehicle Service Contract.
IOWA: In the event of a disputed CLAIM, YOU may contact the Iowa Commissioner of Insurance at the following address: Commissioner – Insurance Division, 1963 Bell
Avenue, Suite 100, Des Moines, IA 50315-1000; telephone number (515) 654-6600. If YOU file a CLAIM with the Insurance Company, include a copy of YOUR Contract
and YOUR paid repair order. This Vehicle Service Contract is subject to all applicable provisions of the Iowa Consumer Credit Code, Chapter 537.
OUR obligations under this Contract are backed by Protective Property & Casualty Insurance Company. If a Covered Repair is not paid within sixty (60) days after YOU
have fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with the insurance company at: Contract Holder Services, 14755 North Outer Forty
Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do not receive a refund from us or the SELLING DEALER within
sixty (60) days after YOU request cancellation, YOU may request the refund directly from the insurance company.
Subsection 3 of SECTION 3. HOW TO OBTAIN REPAIRS is deleted and replaced with the following:

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 3. Call the ADMINISTRATOR for instructions on how to start a CLAIM at 1‐888‐285‐2567: If YOUR COVERED VEHICLE is more than sixty (60) miles from the
SELLING DEALER, WE reserve the right to select the repair facility. Call the ADMINISTRATOR for instructions BEFORE YOU deliver YOUR COVERED VEHICLE
to any repair facility other than the SELLING DEALER. To ensure coverage under the terms of this Vehicle Service Contract, the repair facility must contact
the ADMINISTRATOR and obtain their authorization PRIOR to beginning teardown or repair. YOU are responsible for authorizing diagnosis or teardown
of YOUR COVERED VEHICLE by the repair facility to determine the cause of FAILURE. If the FAILURE is not covered under this Vehicle Service Contract,
YOU will be responsible for these costs. The ADMINISTRATOR and the SELLING DEALER reserve the right to inspect YOUR COVERED VEHICLE prior to any
repair being made. The replaced parts will, at OUR option, be remanufactured, used or new parts of like kind and quality compatible with the original
design specifications and wear tolerances of YOUR COVERED VEHICLE and will comply with applicable state and federal laws. We shall not require the
use of used parts unless we have obtained prior written authorization from you or unless the parts are rebuilt in accordance with the standards recognized
by the Insurance Division.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE'S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE'S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE'S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least fifteen (15) days prior to the
effective date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price, material misrepresentation by YOU to us or
a substantial breach of duties by YOU relating to the COVERED VEHICLE or its use.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund
100% of whatever portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not
incurred a CLAIM, a 10% penalty per month shall be added to a refund that is not paid or credited within thirty (30) days after the date WE receive
YOUR written cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has
been paid, WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on
a pro‑rata basis and will be the lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund 100% of the unearned Amount Paid,
less the amount of any CLAIMS paid and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned Amount Paid will be
calculated on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
100% of the Amount Paid. If YOU have incurred a CLAIM, WE will refund 100% of the unearned Amount Paid less the amount of any CLAIMS paid.
The unearned Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date
and will be the lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
KENTUCKY: SECTION 7. WHAT IS NOT COVERED, F. is amended to add the following: (g) Any MECHANICAL BREAKDOWN or FAILURE caused by gradual reduction in
operation performance due to wear and tear.
LOUISIANA: This Motor Vehicle Service Contract is not insurance and is not regulated by the Louisiana Department of Insurance. Any concerns or complaints regarding
YOUR Vehicle Service Contract may be directed to the Louisiana Attorney General’s Office.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’s odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE’S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’s rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least 15 days prior to the effective
date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price, material misrepresentation by YOU to us or a substantial
breach of duties by YOU relating to the COVERED VEHICLE or its use.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM,
a 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the date WE receive YOUR written cancellation
request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund
unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser
of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
MAINE: This Vehicle Service Contract is not an insurance policy. OUR obligations under this Contract are backed by Protective Property & Casualty Insurance
Company. If a Covered Repair is not paid within 60 days after YOU have fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with the
insurance company at: Contract Holder Services, 14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this
Contract and do not receive a refund from US or the SELLING DEALER within 60 days after YOU request cancellation, YOU may request the refund directly from the
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SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non-refundable.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE'S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except as
otherwise allowed under this Contract;
c. The COVERED VEHICLE'S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE'S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at your last known address, stating the effective date and reason for cancellation, at least fifteen (15) days prior to the
effective date of cancellation.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a
10% penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after the date WE receive YOUR written
cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will
refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the
lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund 100% of the unearned Amount Paid, less
the amount of any CLAIMS paid and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned Amount Paid will be calculated
on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund 100%
of the Amount Paid. If YOU have incurred a CLAIM, WE will refund 100% of the unearned Amount Paid less the amount of any CLAIMS paid. The
unearned Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will
be the lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
SECTION 8. ARBITRATION PROVISION is amended by adding the following: If YOU purchased this Contract in Maine for a Pre-Owned Vehicle registered in Maine, the
arbitration proceedings will be held in Maine.
MARYLAND: A purchaser of a mechanical repair contract shall be entitled to make a direct CLAIM against the insurer issuing a policy of insurance upon failure of the
OBLIGOR to pay any CLAIM or make any refund or consideration due within 60 days after the proof is filed with the OBLIGOR. If WE fail to perform the services under
this Contract within a reasonable time period, WE will automatically extend the Contract Term Months for at least the number of days YOUR COVERED VEHICLE is in
possession of the Repair Facility for a Covered Repair during the term of the Contract. This Contract will not terminate until the services are provided in accordance
with the terms of this Contract.
OUR obligations under this Contract are backed by Protective Property & Casualty Insurance Company. If a Covered Repair is not paid within 60 days after YOU have
fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with the insurance company at: Contract Holder Services, 14755 North Outer Forty Rd.,
Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do not receive a refund from US or the SELLING DEALER within 60
days after YOU request cancellation, YOU may request the refund directly from the insurance company.
Subsection 3 of SECTION 5. CANCELLATION is deleted and replaced with the following:
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM,
a 10% penalty per month shall be added to a refund that is not paid or credited within forty-five (45) days after the date WE receive YOUR written
cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE
will refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will
be the lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written cancellation
request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
Subsection 4 of SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following:
If YOU dispute a CLAIM determination under this Contract, YOU must initiate arbitration or, when applicable, a court proceeding within sixty (60) calendar days following
the determination. If YOU have exercised YOUR right to seek satisfaction from an insurer backing our obligations under this Contract, the sixty (60) days will be measured
from the insurer’s determination. YOUR failure to meet this requirement will deny YOU the right to dispute the determination. In no event may arbitration or a court
proceeding arising out of or relating to this Contract, or to its breach, be brought more than three (3) years after this Contract has expired.
MINNESOTA: SECTION 1. KEY TERMS AND PROVISIONS is amended to add the following Section 325F.662 Subd.2 of the Minnesota Statute requires a dealer to provide
the following warranty on certain pre-owned motor vehicles: coverage for 60 days or 2,500 miles, whichever occurs first, for vehicles with less than 36,000 miles at the
time of sale and coverage for 30 days or 1,000 miles, whichever occurs first, for vehicles with 36,000 miles or more but less than 75,000 miles at the time of sale. If
YOUR COVERED VEHICLE is covered by this law, this Contract may provide YOU with additional protection during the dealer warranty period and provides protection
after the dealer warranty has expired. YOU have been charged separately only for this Contract. The dealer warranty, if required, is provided free of charge.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE'S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE'S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.

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 WE shall mail a written notice to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least 15 days (five days for
nonpayment of the full Contract Price) prior to the effective date of cancellation.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM,
a 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the date WE receive YOUR written cancellation
request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund
unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser
of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
MISSISSIPPI: SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non-
refundable.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires only for any of the following reasons:
a. A material misrepresentation by YOU to us;
b. A substantial breach of duties by YOU relating to the COVERED VEHICLE or its use; or
c. YOU did not pay the full Contract Price.
Cancellation will be effective 30 days after WE give YOU notice of cancellation, which will include the reason for cancellation.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a
10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the date WE receive your written cancellation
request. If YOU or WE cancel this Contract within thirty 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will
refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be
the lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund 100% of the unearned Amount Paid,
less the amount of any CLAIMS paid and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned Amount Paid will be
calculated on a pro-rata basis and will be the lesser of the amount determined based on unused Term Months or unused Term Miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
100% of the Amount Paid. If YOU have incurred a CLAIM, WE will refund 100% of the unearned Amount Paid less the amount of any CLAIMS paid.
The unearned Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date
and will be the lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
SECTION 7. WHAT IS NOT COVERED, F.(b) is amended to include the following: (b) FOR REPAIR COSTS OR EXPENSES CAUSED BY THE FAILURE OF YOU TO MAINTAIN
PROPER QUALITIES OR LEVELS OF COOLANTS OR LUBRICANTS.
SECTION 8. ARBITRATION PROVISION is deleted in its entirety and replaced with the following: EXCEPT FOR MATTERS THAT MAY BE TAKEN TO SMALL CLAIMS COURT OR
AS OTHERWISE PROVIDED IN THIS CONTRACT, ANY CONTROVERSY OR CLAIM ARISING OUT OF OR RELATING TO IT, OR TO ITS BREACH, SHALL BE SETTLED BY BINDING
ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION (THE “AAA”) IN ACCORDANCE WITH THE RULES AND PROVISIONS OF ITS MOST
APPROPRIATE DISPUTE RESOLUTION PROGRAM THEN IN EFFECT. JUDGMENT ON THE AWARD RENDERED BY THE ARBITRATOR(S) MAY BE ENTERED IN ANY COURT
HAVING JURISDICTION TO ENTER SUCH A JUDGMENT. WE SHALL PAY ALL COSTS OF ARBITRATION, EXCEPT YOU AND WE MUST EACH BEAR THE COST OF EACH PARTY’S
OWN ATTORNEY, EXPERT AND WITNESS FEES AND EXPENSES, UNLESS AN ARBITRATOR DETERMINES THAT YOU OR WE ARE ENTITLED TO RECOVER ATTORNEY’S FEES
AND ANY OTHER FEES AND EXPENSES BASED ON APPLICABLE LAW. IF YOU OR WE REQUEST A PANEL OF THREE ARBITRATORS, THE PARTY MAKING SUCH REQUEST
SHALL PAY THE FEES INCURRED FOR THOSE ADDITIONAL ARBITRATORS. YOU AND WE ACKNOWLEDGE THAT THIS CONTRACT EVIDENCES A TRANSACTION INVOLVING
INTERSTATE COMMERCE. THE FEDERAL ARBITRATION ACT WILL GOVERN THE INTERPRETATION, ENFORCEMENT AND PROCEEDINGS PURSUANT TO THIS CONTRACT’S
ARBITRATION PROVISIONS.
1. IN NO EVENT WILL YOU HAVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR ANY OTHER COLLECTIVE PROCEEDING AGAINST us. ONLY A COURT,
AND NOT ARBITRATORS, CAN DETERMINE THE VALIDITY OF THIS CLASS ACTION WAIVER.
2. SUBJECT TO THE PRECEDING PARAGRAPH, YOU AND WE CONSENT TO HAVE ARBITRATION UNDER THIS CONTRACT JOINED WITH ANY OTHER
ARBITRATION BETWEEN YOU, ON THE ONE HAND, AND us, OUR AGENT AND/OR THE INSURER BACKING OUR OBLIGATIONS UNDER THIS CONTRACT, ON
THE OTHER HAND, TO THE EXTENT THE DISPUTES ARE RELATED AND JOINDER IS REASONABLY FEASIBLE. THE COMBINED ARBITRATION WILL BE
GOVERNED BY THIS CONTRACT’S ARBITRATION PROVISIONS, UNLESS THAT IS NOT PRACTICAL. IN THAT CASE, IT WILL BE GOVERNED BY THE OTHER
ARBITRATION PROVISIONS. ARBITRATION SHALL TAKE PLACE IN THE COUNTY OF YOUR RESIDENCE, UNLESS ANOTHER LOCATION IS MUTUALLY AGREED
UPON BY YOU AND us.
3. IF THE AAA IS NOT AVAILABLE TO ADMINISTER THIS CONTRACT’S ARBITRATION, WE WILL SELECT ANOTHER GENERALLY RECOGNIZED ARBITRATION
ADMINISTRATOR, REASONABLY ACCEPTABLE TO YOU. THE ARBITRATION WILL BE UNDER THAT ADMINISTRATOR’S RULES, SUBJECT TO ANY CONTRARY
PROVISIONS OF THIS CONTRACT.
4. IF YOU REMAIN UNSATISFIED FOLLOWING A CLAIM OR OTHER DETERMINATION BY us, OUR APPEALS PANEL OR THE INSURER BACKING OUR
OBLIGATIONS UNDER THIS CONTRACT, AND YOU WISH TO INITIATE ARBITRATION (OR, WHEN APPLICABLE, A COURT PROCEEDING), YOU MusT INITIATE
THE ARBITRATION OR COURT PROCEEDING WITHIN 60 CALENDAR DAYS FOLLOWING WHEN YOU RECEIVE NOTIFICATION OF THE LAST TO OCCUR OF THE
FOLLOWING: (A) THE INSURER’S DETERMINATION, IF YOU HAVE EXERCISED YOUR RIGHT TO SEEK SATISFACTION FROM AN INSURER BACKING OUR
OBLIGATIONS UNDER THIS CONTRACT; OR (B) OUR DETERMINATION UNDER THIS CONTRACT, YOUR FAILURE TO MEET THIS REQUIREMENT WILL DENY
YOU THE RIGHT TO DISPUTE THE DETERMINATION THROUGH ARBITRATION OR A COURT PROCEEDING. IN NO EVENT MAY ARBITRATION OR A COURT
PROCEEDING ARISING OUT OF OR RELATING TO THIS CONTRACT, OR TO ITS BREACH, BE BROUGHT MORE THAN THREE YEARS AFTER THIS CONTRACT
HAS EXPIRED.
5. THESE PROVISIONS UNDER “ARBITRATION AND OTHER MATTERS CONCERNING DISPUTES” WILL SURVIVE THE TERMINATION OF THIS CONTRACT AND
APPLY TO COVER ANY CONTROVERSY, CLAIM OR DISPUTE YOU MAY HAVE WITH AN INSURER BACKING OUR OBLIGATIONS UNDER THIS CONTRACT.

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IF THIS CONTRACT IS FOUND NOT TO BE SUBJECT TO ARBITRATION, ANY LEGAL PROCEEDING WITH RESPECT TO A DISPUTE WILL BE TRIED BEFORE A JUDGE IN A COURT
OF COMPETENT JURISDICTION. YOU AND WE WAIVE THE RIGHT TO A JURY TRIAL IN ANY SUCH PROCEEDING.
This Vehicle Service Contract is not provided or supported by a vehicle manufacturer or distributor.
MISSOURI: OUR obligations under this Contract are guaranteed under a service contract reimbursement insurance policy. If a Covered Repair is not paid or service is not
provided within 60 days after YOU have fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with Protective Property & Casualty Insurance
Company, at: Contract Holder Services, 14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do
not receive a refund from US or the SELLING DEALER within 60 days after YOU request cancellation, YOU may request the refund directly from the insurance company.
SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non-refundable.
Subsection 3 of SECTION 3. HOW TO OBTAIN REPAIRS is deleted and replaced with the following: 3. Call the ADMINISTRATOR for instructions on how to start a CLAIM
at 1‐888‐285‐2567: If YOUR COVERED VEHICLE is more than sixty (60) miles from the SELLING DEALER, WE reserve the right to select the repair facility. Call the
ADMINISTRATOR for instructions before YOU deliver YOUR COVERED VEHICLE to any repair facility other than the SELLING DEALER. To ensure coverage under the terms
of this Vehicle Service Contract, the repair facility must contact the ADMINISTRATOR and obtain their authorization prior to beginning teardown or repair. YOU are
responsible for authorizing diagnosis or teardown of YOUR COVERED VEHICLE by the repair facility to determine the cause of FAILURE. If the FAILURE is not covered
under this Vehicle Service Contract, YOU will be responsible for these costs. The ADMINISTRATOR and the SELLING DEALER reserve the right to inspect YOUR COVERED
VEHICLE prior to any repair being made. The replaced parts will, at OUR option, be remanufactured, used or new parts of like kind and quality compatible with the
original design specifications and wear tolerances of YOUR COVERED VEHICLE and will comply with applicable state and federal laws.
Subsection 1 of SECTION 5. CANCELLATION is amended to add the following: If YOU cancel this Contract, WE shall mail a written notice of cancellation to YOU within 45
days after your written cancellation request is received.
Subsection 3 of SECTION 5. CANCELLATION is deleted and replaced with the following:
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a 10%
penalty of the amount outstanding per month shall be added to a refund that is not paid or credited within 45 days after the date WE receive your
written cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid,
WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will
be the lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund 100% of the unearned Amount Paid, less
the amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund the
Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned Amount
Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the lesser of the
amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
The first paragraph in SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following:
Except for matters that may be taken to small claims court or as otherwise provided in this Contract, any controversy or CLAIM arising out of or relating to it, or to its breach,
may be settled by voluntary, and if elected, binding arbitration administered by the American Arbitration Association (the “AAA”) in accordance with the rules and provisions
of its most appropriate dispute resolution program then in effect. The decision to arbitrate must be mutually agreed upon by YOU and US. YOU and WE are bound by the
arbitration only when YOU and WE have elected to arbitrate, and a lawful and binding arbitration follows. Arbitration shall take place in the county of your residence or
place of business unless YOU have no residence or place of business in Missouri in which case, arbitration will take place in a location as provided under Missouri law.
Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction to enter such a judgment. YOU and WE acknowledge that this Contract
evidences a transaction involving interstate commerce. The Federal Arbitration Act will govern the interpretation, enforcement, and proceedings pursuant to this Contract’s
arbitration provisions.
MONTANA: Subsection 2 of SECTION 5. CANCELLATION is deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not promptly
repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except as
otherwise allowed under this Contract;
c. The COVERED VEHICLE’S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at your last known address, stating the effective date and reason for cancellation, at least five (5) days prior to the effective date
of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price.
NEBRASKA: OUR obligations under this Contract are fully guaranteed by Protective Property & Casualty Insurance Company. If a Covered Repair is not paid within
60 days after YOU have fulfilled the requirements for reporting a CLAIM, YOU may file a CLAIM directly with the insurance company at: Contract Holder Services,
14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do not receive a refund from US or
the SELLING DEALER, please contact the insurance company.
The first paragraph in SECTION 8. ARBITRATION PROVISIONS is deleted and replaced with the following:
Except for matters that may be taken to small claims court or as otherwise provided in this Contract, any controversy or CLAIM arising out of or relating to it, or to its
breach, may be settled by voluntary, and if elected, binding arbitration administered by the American Arbitration Association (the “AAA”) in accordance with the rules and
provisions of its most appropriate dispute resolution program then in effect. The decision to arbitrate must be mutually agreed upon by YOU and US once there is a known
dispute. Arbitration shall take place in the county of your residence or place of business unless YOU have no residence or place of business in Nebraska in which case,
arbitration will take place in a location as provided under Nebraska law. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction
to enter such a judgment. YOU and WE acknowledge that this Contract evidences a transaction involving interstate commerce. The Federal Arbitration Act will govern the
interpretation, enforcement, and proceedings pursuant to this Contract’s arbitration provisions
NEVADA: Pursuant to Nevada Revised Statutes 482.36662, if YOUR COVERED VEHICLE had 75,000 miles or more on the date of sale, is equipped with an odometer and
has a weight of 14,000 pounds or less, under certain circumstances, the dealer may be required to provide a warranty which may provide coverage for up to 30 days or
1,000 miles after the date of sale, whichever occurs first. If YOUR COVERED VEHICLE is covered by this law, this Contract may provide YOU with additional protection
during the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged separately only for this Contract. The dealer
warranty, if required, is provided free of charge. This CONTRACT does not cover preexisting conditions.
SECTION 3. HOW TO OBTAIN REPAIRS is amended to add the following: 5. If YOU are not satisfied with the manner in which the provider is handling the CLAIM on YOUR
Contract, YOU may contact the Nevada Division of Insurance at 1-888-872-3234.

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SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended as follows: A transfer fee of twenty five dollars ($25.00) will be charged.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract within 70 calendar days of the CONTRACT PURCHASE DATE or one year after the CONTRACT PURCHASE DATE for any reason.
After 70 calendar days from the CONTRACT PURCHASE DATE, WE may not cancel the Contract before the Contract expires or before one year after the
CONTRACT PURCHASE DATE, whichever occurs first, except for any of the following reasons:
a. YOUR conviction of a crime which results in an increase in the service required under this Contract;
b. Discovery of fraud or material misrepresentation by YOU in obtaining this Contract or in presenting a CLAIM for service;
c. Discovery of an act or omission by YOU or a violation by YOU of any condition of this Contract which occurred after the CONTRACT PURCHASE DATE,
and which substantially and materially increases the service required under this Contract;
d. A material change in the nature or extent of the required service or repair which occurs after the CONTRACT PURCHASE DATE, and which causes
the required service or repair to be substantially and materially increased beyond that contemplated at the time that the Contract was issued or
sold; or
e. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at your last known address at least 15 days prior to the effective date of cancellation.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE, WE will refund whatever portion of the Contract Price
was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a 10% penalty per month or
portion thereof shall be added to a refund that is not paid or credited within 45 days after the date WE receive your written cancellation request.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less a
cancellation fee of twenty-five dollars ($25). The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of the amount
determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid. The unearned Amount Paid will be calculated on a pro-
rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the lesser of the amount determined based on
unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
SECTION 7. WHAT IS NOT COVERED, C. is amended to add the following: If the COVERED VEHICLE is modified or repaired in an unauthorized or non-manufacturer-
recommended manner, WE will not automatically suspend all coverage. Rather, this Contract will continue to provide any applicable coverage that is not related to the
unauthorized or non-manufacturer-recommended modification or any damages arising therefrom, unless such coverage is otherwise excluded by the terms of this
contract
COVERAGE UNDER THIS VEHICLE SERVICE CONTRACT IS SUBJECT TO THE WAITING PERIOD AS DEFINED IN SECTION 1. KEY TERMS AND PROVISIONS OF THE VEHICLE
SERVICE CONTRACT.
NEW HAMPSHIRE: In the event YOU do not receive satisfaction under this contract, YOU may contact the New Hampshire Department of Insurance at 21 South Fruit
Street, Suite 14, Concord, NH 03301 or call 1-800-852-3416.
OUR obligations under this Contract are backed by Protective Property & Casualty Insurance Company, the reimbursement insurer, 14755 North Outer Forty Rd.,
Suite 400, Chesterfield, MO, 63017, 1-800-950-6060. The reimbursement insurer is obligated to reimburse or pay on our behalf any sums WE are legally obligated
to pay or shall provide the service WE are legally obligated to undertake, according to our contractual obligations under this Contract. In the event WE do not pay
or provide for a Covered Repair within 60 days after YOU have submitted proof of loss to us and have fulfilled the requirements for reporting a CLAIM, YOU are
entitled to apply directly to the reimbursement insurer for satisfaction. If YOU cancel this Contract and do not receive a refund from US or the SELLING DEALER,
please contact the reimbursement insurer.
Subsection 3 of SECTION 5. CANCELLATION is hereby deleted and replaced with the following:
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU or WE cancel this Contract within 30 calendar days
of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The
unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser of the amount determined based on unused time or unused
miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned amount Paid will be calculated
on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
SECTION 8. ARBITRATION PROVISION is amended by adding the following: This arbitration provision is subject to the Arbitration of Disputes Chapter, N.H. Rev. Stat. §§
542:1, et seq. and does not impede the rights of the SERVICE CONTRACT HOLDER as provided under RSA 542. The state of New Hampshire is the jurisdiction of any civil
action or arbitration proceeding in connection with this Contract.
NEW JERSEY: Service contracts do not constitute insurance, guaranties, warranties, or extended warranties. The product being offered is a Service Contract and is
separate and distinct from any product or service warranty which may be provided by the manufacturer, importer, or SELLING DEALER, and does not extend the
term of any original product or service warranty that the manufacturer, importer, or SELLING DEALER may have provided.
Section 56:8-69 of the New Jersey Revised Statute requires a dealer to provide the following warranty on certain pre-owned motor vehicles: coverage for 90 days or
3,000 miles, whichever occurs first, for vehicles with 24,000 miles or less at the time of sale; coverage for 60 days or 2,000 miles, whichever occurs first, for vehicles
with more than 24,000 miles but less than 60,000 miles at the time of sale; and coverage for 30 days or 1,000 miles, whichever occurs first, for vehicles with 60,000
miles or more but less than 100,000 miles at the time of sale. If YOUR COVERED VEHICLE is covered by this law, this Contract may provide YOU with additional
protection during the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged separately only for this Contract.
The dealer warranty, if required, is provided free of charge.
SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non-refundable.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;

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 b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE’S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at your last known address, stating the effective date and reason for cancellation, at least five days prior to the effective
date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE, WE will refund whatever portion of the Contract
Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a 10% penalty per
month shall be added to a refund that is not paid or credited within 45 days after the date WE receive your written cancellation request. If YOU or
WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund unearned Amount
Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser of the amount
determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
NEW MEXICO: Section 57-16A-3.1 of the New Mexico Statute requires a dealer to provide a warranty covering certain pre-owned motor vehicles, if registered in New
Mexico, with a weight of less than 10,000 pounds which provides coverage for up to 15 days or 500 miles after the delivery of the vehicle, whichever occurs first. If
your COVERED VEHICLE is covered by this law, this Contract may provide YOU with additional protection during the dealer warranty period and provides protection
after the dealer warranty has expired. YOU have been charged separately only for this Contract. The dealer warranty, if required, is provided free of charge.
This Contract is insured by Protective Property & Casualty Insurance Company. If WE fail to pay YOU or otherwise provide YOU with the covered service within 60 days
of YOUR submission of a valid CLAIM, YOU may submit your CLAIM to Protective Property & Casualty Insurance Company at: Contract Holder Services, 14755 North
Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract and do not receive a refund from US or the SELLING
DEALER, please contact the insurance company. If YOU have any concerns regarding the handling of your CLAIM, YOU may contact the Office of Superintendent of
Insurance at 855-427-5674.
SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non-refundable.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract within 70 calendar days of the CONTRACT PURCHASE DATE or one year after the CONTRACT PURCHASE DATE for any reason.
After 70 calendar days from the CONTRACT PURCHASE DATE, WE may not cancel the Contract before the Contract expires or before one year after the
CONTRACT PURCHASE DATE, whichever occurs first, except for any of the following reasons:
a. YOUR conviction of a crime that results in an increase in the service required under this Contract;
b. Discovery of fraud or material misrepresentation by YOU in obtaining this Contract or in presenting a CLAIM for service hereunder;
c. Discovery of an act or omission by YOU, or a violation by YOU of any condition of this Contract, which occurred after the CONTRACT PURCHASE
DATE, and which substantially and materially increases the service required under this Contract; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice of cancellation to YOU at your last known address at least 15 days prior to the effective date of cancellation.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund 100% of
whatever portion of the Contract Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred
a CLAIM, a 10% penalty per month or portion thereof shall be added to a refund that is not paid or credited within 60 days after the date WE
receive your written cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a
CLAIM has been paid, WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated
on a pro‑rata basis and will be the lesser of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund 100% of the unearned Amount Paid,
less the amount of any CLAIMS pad and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned Amount Paid will be
calculated on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
NEW YORK: Section 198-b of the New York General Business Law requires a dealer to provide the following warranty on certain pre-owned motor vehicles: coverage
for 90 days or 4,000 miles, whichever occurs first, for vehicles with 18,001 to 36,000 miles at the time of sale; coverage for 60 days or 3,000 miles, whichever occurs
first, for vehicles with 36,001 to 79,999 miles at the time of sale; and coverage for 30 days or 1,000 miles, whichever occurs first, for vehicles with 80,000 to 100,000
miles at the time of sale. If YOUR COVERED VEHICLE is covered by this law, this Contract may provide YOU with additional protection during the dealer warranty period
and provides protection after the dealer warranty has expired. YOU have been charged separately only for this Contract. The dealer warranty, if required, is provided
free of charge. Also, in accordance with Section 198-b of the New York General Business Law, if YOUR COVERED VEHICLE is pre-owned, WE will automatically extend
the Contract Term for at least the number of days your COVERED VEHICLE is in the possession of the SELLING DEALER or its authorized agent for Covered Repairs during
the Contract Term.
OUR obligations under this Contract are insured by Protective Property & Casualty Insurance Company under a service contract reimbursement insurance policy. If WE
fail to pay or provide a Covered Repair within 60 days after you have fulfilled the requirements for reporting a CLAIM, YOU may file a claim directly with the insurance
company at: Contract Holder Services, 14755 North Outer Forty Rd., Suite 400, St. Louis, MO, 63017, or by calling 1‑800‑950‑6060. If YOU cancel this Contract and do
not receive a refund, please contact the insurance company.
Subsection 3 of SECTION 3. HOW TO OBTAIN REPAIRS is deleted and replaced with the following:
3. Call the ADMINISTRATOR for instructions on how to start a CLAIM at 1‐888‐285‐2567: If YOUR COVERED VEHICLE is more than sixty (60) miles from the
SELLING DEALER, WE reserve the right to select the repair facility. Call the ADMINISTRATOR for instructions BEFORE YOU deliver YOUR COVERED VEHICLE
to any repair facility other than the SELLING DEALER. To ensure coverage under the terms of this Vehicle Service Contract, the repair facility must contact

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 the ADMINISTRATOR and obtain their authorization PRIOR to beginning teardown or repair. YOU are responsible for authorizing diagnosis or teardown
of YOUR COVERED VEHICLE by the repair facility to determine the cause of FAILURE. If the FAILURE is not covered under this Vehicle Service Contract,
YOU will be responsible for these costs. The ADMINISTRATOR and the SELLING DEALER reserve the right to inspect YOUR COVERED VEHICLE prior to any
repair being made. The replaced parts will, at OUR option, be remanufactured, used or new parts of like kind and quality compatible with the original
design specifications and wear tolerances of YOUR COVERED VEHICLE and will comply with applicable state and federal laws.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’S odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE’S manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’S rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE will mail a written notice to YOU at your last known address, stating the effective date and reason for cancellation, at least 15 days prior to the effective
date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a
10% penalty per month shall be added to a refund that is not paid or credited within 30 days after the date WE receive your written cancellation
request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund
unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser
of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
NORTH CAROLINA: SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract
is non-refundable.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires only for any of the following reasons:
a. A direct violation by YOU of this Contract; or
b. YOU did not pay the full Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a
10% penalty per month shall be added to a refund that is not paid or credited within 30 days after the date WE receive your written cancellation
request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund
unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser
of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50 or 10% of the unearned Amount Paid, whichever is less. The unearned Amount Paid will be
calculated on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
RHODE ISLAND: Section 31-5.4 of the Rhode Island General Business Law requires a dealer to provide the following warranty on certain pre-owned motor vehicles:
coverage for 60 days or 3,000 miles, whichever occurs, for vehicles with 36,000 miles or less at the time of sale, and coverage for 30 days or 1,000 miles, whichever
occurs first, for vehicles with 36,000 miles or more but less than 100,000 miles at the time of sale. If YOUR COVERED VEHICLE is covered by this law, this Contract may
provide YOU with additional protection during the dealer warranty period and provides protection after the dealer warranty has expired. YOU have been charged
separately only for this Contract. The dealer warranty, if required, is provided free of charge. Also, in accordance with Section 31-5.4 of the Rhode Island General
Business Law, if your COVERED VEHICLE is pre-owned, WE will automatically extend the Contract Term for at least the number of days your COVERED VEHICLE is in the
possession of the SELLING DEALER or its authorized agent for Covered Repairs during the Contract Term.
SOUTH CAROLINA In the event of a dispute with the provider of this contract, YOU may contact the South Carolina Department of Insurance, Capitol Center, 1201 Main
Street, Ste. 1000, Columbia, South Carolina, 29201 or 1-800-768-3467. This Contract is not insurance.
Subsection 3 of SECTION 3. HOW TO OBTAIN REPAIRS is deleted and replaced with the following:
3. Call the ADMINISTRATOR for instructions on how to start a CLAIM at 1-888-285-2567: If YOUR COVERED VEHICLE is more than sixty (60) miles from the
SELLING DEALER, WE reserve the right to select the repair facility. Call the ADMINISTRATOR for instructions before YOU deliver YOUR COVERED VEHICLE
to any repair facility other than the SELLING DEALER. To ensure coverage under the terms of this Vehicle Service Contract, the repair facility must contact
the ADMINISTRATOR and obtain their authorization PRIOR to beginning teardown or repair. YOU are responsible for authorizing diagnosis or teardown of
YOUR COVERED VEHICLE by the repair facility to determine the cause of FAILURE. If the FAILURE is not covered under this Vehicle Service Contract, YOU
will be responsible for these costs. The ADMINISTRATOR and the SELLING DEALER reserve the right to inspect YOUR COVERED VEHICLE prior to any repair
being made. The replaced parts will, at OUR option, be remanufactured, used or new parts of like kind and quality compatible with the original design
specifications and wear tolerances of YOUR COVERED VEHICLE and will comply with applicable state and federal laws.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:

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 a. The COVERED VEHICLE’s odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE’s manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’s rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at YOUR last known address, stating the effective date and reason for cancellation, at least 15 days prior to the effective
date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price, a material representation by YOU to US, or a substantial
breach of a duty by YOU relating to the COVERED VEHICLE or its use.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM,
a 10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the date WE receive your written cancellation
request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund
unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser
of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, our ADMINISTRATOR or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
TEXAS: Any unresolved complaints concerning US or questions concerning the regulation of contract service providers or administrators may be addressed to the
department at: Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, TX 78711 or call (512) 463‑6599 or 1-800-826-3207.
Any references to ADMINISTRATOR in this contract have been revised to reflect the following: The ADMINISTRATOR of the contract is A.U.L. Corp., P.O. Box 830029,
Birmingham, AL 35283-0029, 1-800-826-3207 or 1-707-257-9700. The ADMINISTRATOR Registration Number for A.U.L. Corp. is 146. If YOU have a complaint
regarding YOUR Vehicle Service Contract coverage, YOU may provide the ADMINISTRATOR with a letter stating the reason for YOUR complaint or by calling A.U.L.
Corp., P.O. Box 830029, Birmingham, AL 35283-0029, telephone: 1-800-826-3207 or 1-707-257-9700.
OUR obligations under this Contract are insured under a service contract reimbursement insurance policy. YOU may apply for reimbursement directly to Protective
Property & Casualty Insurance Company, at 14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060, if a Covered Repair is
not paid to YOU or a covered service is not provided to YOU within 60 days after YOU have fulfilled the requirements for reporting a CLAIM. If YOU cancel this
Contract and do not receive a refund from us or the SELLING DEALER within 45 days after YOU request cancellation, YOU may request the refund directly from the
insurance company.
Subsections 2 and 3 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’s odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired;
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract;
c. The COVERED VEHICLE’s manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’s rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at your last known address, stating the effective date and reason for cancellation, at least five days prior to the effective
date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU or WE cancel this Contract within 30 calendar days
of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The
unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser of the amount determined based on unused time or unused
miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and YOU have not incurred a CLAIM, WE will refund
the Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned
Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the
lesser of the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
If YOU cancel this Contract, a 10% penalty of the amount outstanding per month shall be added to a refund that is not paid or credited within 45 days after the date WE
receive your written cancellation request.
UTAH: YOU may include the contract price with the financing of the vehicle or pay the entire amount separately. OUR obligations under this Contract are guaranteed
under a service contract reimbursement insurance policy. If WE fail to pay or provide service on any CLAIM within 60 days after proof of loss has been filed, YOU may file a
CLAIM directly with Protective Property & Casualty Insurance Company at: Contract Holder Services, 14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or
by calling 1-800-950-6060. If YOU cancel this Contract and do not receive a refund from us or the SELLING DEALER, please contact the insurance company. Coverage afforded
under this Contract is not guaranteed by the Property and Casualty Guaranty Association. This Vehicle Service Contract is subject to limited regulation by the Utah Insurance
Department. To file a complaint, contact the Utah Insurance Department. SECTION 2. MAINTENANCE RESPONSIBILITIES is amended to add the following: SERVICE
CONTRACT HOLDER’s failure to submit repair orders and other documentation within the specified time will not automatically invalidate YOUR CLAIM if YOU can
demonstrate that it was not reasonably possible to file these documents within such time period. Subsection 3 of SECTION 3. HOW TO OBTAIN REPAIRS is deleted and
replaced with the following:

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 3. Call the ADMINISTRATOR for instructions on how to start a CLAIM at 1‐888‐285‐2567: If YOUR COVERED VEHICLE is more than sixty (60) miles from the SELLING
DEALER, WE reserve the right to select the repair facility. Call the ADMINISTRATOR for instructions BEFORE YOU deliver YOUR COVERED VEHICLE to any repair
facility other than the SELLING DEALER. To ensure coverage under the terms of this Vehicle Service Contract, the repair facility must contact the ADMINISTRATOR
and obtain their authorization PRIOR to beginning teardown or repair. YOU are responsible for authorizing diagnosis or teardown of YOUR COVERED VEHICLE
by the repair facility to determine the cause of FAILURE. If the FAILURE is not covered under this Vehicle Service Contract, YOU will be responsible for these
costs. The ADMINISTRATOR and the SELLING DEALER reserve the right to inspect YOUR COVERED VEHICLE prior to any repair being made. The SERVICE
CONTRACT HOLDER’S failure to obtain authorization or submit repair orders and other documentation within the specified time will not automatically invalidate
YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file these documents or obtain prior authorization within such time period. The
replaced parts will, at OUR option, be remanufactured, used or new parts of like kind and quality compatible with the original design specifications and wear
tolerances of YOUR COVERED VEHICLE and will comply with applicable state and federal laws.
SUBSECTION 6. OF SECTION 3. HOW TO OBTAIN REPAIRS, 3. is amended to add the following: The SERVICE CONTRACT HOLDER’s failure to obtain authorization or
submit repair orders and other documentation within the specified time will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not
reasonably possible to file these documents or obtain prior authorization within such time period. 4. is amended by deleting the following sentence: Emergency
repairs are only those repairs, which, if not performed, would render YOUR COVERED VEHICLE inoperable or unsafe to drive and impair its future operation.
Subsection 2 of SECTION 5. CANCELLATION is deleted and replaced with the following:
2. WE may cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE for any reason. After 30 calendar days, WE may only cancel this
Contract for any of the following reasons:
a. Material misrepresentation;
b. Substantial change in the risk assumed, unless WE should reasonably have foreseen the change or contemplated the risk when entering into
the Contract;
c. Substantial breach of contractual duties, conditions or warranties; or
d. YOU did not pay the full Contract Price.
If WE cancel within 30 calendar days of the CONTRACT PURCHASE DATE or if WE cancel for nonpayment of the full Contract Price, WE shall give YOU written notice
at least 10 days prior to the effective date of cancellation. If WE cancel after 30 calendar days for a reason other than nonpayment of the full Contract Price, WE
shall give YOU written notice at least 30 days prior to the effective date of cancellation. The notice shall state the reason for cancellation and will be delivered or
mailed by first class mail to YOU at your last known address.
SECTION 6. WHAT IS COVERED BY THIS VEHICLE SERVICE CONTRACT, is amended as follows: Additional Benefits/Roadside Assistance Services under this Vehicle
Service Contract are provided by SafeRide Motor Club, Inc., 5001 Spring Valley Road, Suite 350W, Dallas, Texas 75244, Telephone: 1-972-455-1900.
SECTION 7. WHAT IS NOT COVERED, A. is amended to add the following: The SERVICE CONTRACT HOLDER’s failure to obtain authorization or submit repair orders
and other documentation within specified time will not automatically invalidate YOUR CLAIM if YOU can demonstrate that it was not reasonably possible to file
these documents or obtain prior authorization within such time period.
SECTION 8. ARBITRATION PROVISION is amended by adding the following: ANY MATTER IN DISPUTE BETWEEN YOU AND us MAY BE SUBJECT TO ARBITRATION AS
AN ALTERNATIVE TO COURT ACTION PURSUANT TO THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION (“AAA”), A COPY OF WHICH IS AVAILABLE ON
REQUEST FROM us. ANY DECISION REACHED BY ARBITRATION SHALL BE BINDING UPON BOTH YOU AND us. THE ARBITRATION AWARD MAY INCLUDE ATTORNEY’S
FEES IF ALLOWED BY STATE LAW AND MAY BE ENTERED AS A JUDGEMENT IN ANY COURT OF PROPER JURISDICTION. Arbitration may not preclude any dispute
resolution by a small claims court having jurisdiction in Utah, unless the CLAIM or controversy exceeds the jurisdictional limit of the small claims court.
Subsection 4 of SECTION 8. ARBITRATION PROVISION is deleted and replaced by the following:
If YOU remain unsatisfied following a CLAIM or other determination by us under this Contract, YOU must initiate arbitration or, when applicable, a court proceeding
within three years following the determination. If YOU have exercised your right to seek satisfaction from an insurer backing OUR obligations under this Contract, the
three years will be measured from the insurer’s determination. YOUR failure to meet this requirement will deny YOU the right to dispute the determination through
arbitration or a court proceeding. In no event may arbitration or a court proceeding arising out of or relating to this Contract, or to its breach, be brought more than
three years after this Contract has expired.
VERMONT: The first paragraph of SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following: Except for matters that may be taken to small claims
court or as otherwise provided in this Contract, any controversy or CLAIM arising out of or relating to it, or to its breach, may be settled by voluntary, and if elected, binding
arbitration administered by the American Arbitration Association (the “AAA”) in accordance with the rules and provisions of its most appropriate dispute resolution program
then in effect. Arbitration is binding upon the parties only if both parties agree to the arbitration process. Judgment on the award rendered by the arbitrator(s) may be
entered in any court having jurisdiction to enter such a judgment. YOU and WE acknowledge that this Contract evidences a transaction involving interstate commerce. The
Federal Arbitration Act will govern the interpretation, enforcement, and proceedings pursuant to this Contract’s arbitration provisions.
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 [Link]
to file a complaint.
WISCONSIN: This Vehicle Service Contract is not an insurance policy. Unless otherwise regulated under state law, the contents of this Vehicle Service Contract should
be interpreted and understood within the meaning of a "service contract" in Public Law #93-637. However, OUR obligations under this Contract are backed by
Protective Property & Casualty Insurance Company. If a Covered Repair is not paid within 60 days after YOU have fulfilled the requirements for reporting a CLAIM or
if WE become insolvent or otherwise financially impaired, YOU may file a CLAIM directly with the insurance company for reimbursement, payment, or provision of
the service at: Contract Holder Services, 14755 North Outer Forty Rd., Suite 400, Chesterfield, MO, 63017, or by calling 1-800-950-6060. If YOU cancel this Contract
and do not receive a refund from us or the SELLING DEALER, please contact the insurance company.
THIS CONTRACT IS SUBJECT TO LIMITED REGULATION BY THE OFFICE OF THE COMMISSIONER OF INSURANCE.
SECTION 4. TRANSFER AND RENEWAL PROCEDURES is amended by deleting the following sentence: Once transferred, this Vehicle Service Contract is non-refundable.
Subsections 2, 3 and 4 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires only for any of the following reasons:
a. Material misrepresentation by YOU to us;
b. Substantial breach of duties by YOU relating to the COVERED VEHICLE or its use; or
c. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at your last known address, stating the effective date and reason for cancellation, at least five days prior to the effective
date of cancellation. Unless cancellation is for nonpayment of the full Contract Price, WE shall provide a refund in accordance with subsection 3.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on YOUR behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM,
a 10% penalty of the refund amount outstanding per month shall be added to a refund that is not paid or credited within 45 days after the date WE
receive your written cancellation request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM
has been paid, WE will refund unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a
pro‑rata basis and will be the lesser of the amount determined based on unused time or unused miles.

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 b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund 100% of the unearned Amount Paid,
less the amount of any CLAIMS paid and a processing fee of $50 or 10% of the Amount Paid, whichever is less. The unearned Amount Paid will be
calculated on a pro-rata basis and will be the lesser of the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and have not incurred a CLAIM, WE will refund 100%
of the Amount Paid. If YOU have incurred a CLAIM, WE will refund 100% of the unearned Amount Paid less the amount of any CLAIMS paid. The
unearned Amount Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and
will be the lesser of the amount determined based on unused time or unused miles.
d. In the event of a total loss of the COVERED VEHICLE, YOU may cancel this Contract and WE will refund the unearned Amount Paid less the amount
of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of the amount determined based on
unused time or unused miles.
e. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
4. WE will honor the rights of a lienholder or lessor to obtain some, or all of the refund based on 3a, 3b, 3c, 3d, and 3e above. At our discretion, WE may
issue a refund to the lienholder or lessor as sole payee, to the lienholder or lessor and YOU as joint payees, or, if YOU provide us with proof of clear title,
to YOU as sole payee. In the event of a repossession, charge off, or total loss, your rights to cancel the Contract transfer to the lienholder or lessor if the
Contract was financed with your COVERED VEHICLE and any refund due, based on 3a, 3b, 3d, and 3e, above, will be paid directly to the lienholder or
lessor as sole payee.
SECTION 8. ARBITRATION PROVISION is deleted in its entirety and replaced with the following: SECTION 8. MATTERS CONCERNING DISPUTES Any legal proceeding
with respect to a dispute will be tried before a judge in a court of competent jurisdiction. YOU and WE waive the right to a jury trial in any such proceeding. In no event
may a legal proceeding arising out of or relating to this Contract, or to its breach, be brought more than two years after this Contract has expired.
WYOMING: Purchase of this Vehicle Service Contract is not required in order to purchase or finance a motor vehicle.
Subsections 2, 3 and 4 of SECTION 5. CANCELLATION are deleted and replaced with the following:
2. WE may cancel this Contract at any time before it expires for any of the following reasons:
a. The COVERED VEHICLE’s odometer does not accurately indicate actual miles driven because it was disconnected, altered, tampered with or not
promptly repaired.
b. The COVERED VEHICLE is used in a manner not covered under this Contract or has been altered beyond the manufacturer’s specifications, except
as otherwise allowed under this Contract.
c. The COVERED VEHICLE’s manufacturer-installed truck bed has been replaced with a substitute truck bed or other parts or equipment, the COVERED
VEHICLE has a branded title or the COVERED VEHICLE’s rating exceeds one ton; or
d. YOU did not pay the full Contract Price.
WE shall mail a written notice to YOU at your last known address, stating the effective date and reason for cancellation, at least 10 days prior to the effective
date of cancellation. Prior notice is not required if WE cancel for nonpayment of the full Contract Price.
3. a. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and no CLAIM has been paid, WE will refund whatever
portion of the Contract Price was paid by YOU or on your behalf (the “Amount Paid”). If YOU cancel this Contract and have not incurred a CLAIM, a
10% penalty per month shall be added to a refund that is not paid or credited within 45 days after the date WE receive your written cancellation
request. If YOU or WE cancel this Contract within 30 calendar days of the CONTRACT PURCHASE DATE and a CLAIM has been paid, WE will refund
unearned Amount Paid, less the amount of any CLAIMS paid. The unearned Amount Paid will be calculated on a pro‑rata basis and will be the lesser
of the amount determined based on unused time or unused miles.
b. If YOU cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE, WE will refund the unearned Amount Paid, less the
amount of any CLAIMS paid and a processing fee of $50. The unearned Amount Paid will be calculated on a pro-rata basis and will be the lesser of
the amount determined based on unused time or unused miles.
c. If WE cancel this Contract more than 30 calendar days after the CONTRACT PURCHASE DATE and have not incurred a CLAIM, WE will refund the
Amount Paid. If YOU have incurred a CLAIM, WE will refund the unearned Amount Paid less the amount of any CLAIMS paid. The unearned Amount
Paid will be calculated on a pro-rata basis using the date WE discover the reason for cancellation as the cancellation date and will be the lesser of
the amount determined based on unused time or unused miles.
d. Any refund will be paid or credited within 30 calendar days of: (1) the date WE, the ADMINISTRATOR, or the SELLING DEALER receive your written
cancellation request if YOU cancel; or (2) the effective date of cancellation if WE cancel.
4. WE will honor the rights of a lienholder or lessor to obtain some or all of the refund based on 3a, 3b, 3c and 3d above. In the event of a repossession or
charge‑off, your rights to cancel the Contract transfer to the lienholder or lessor if the Contract was financed with your COVERED VEHICLE and any refund
due, based on 3a, 3b and 3d above, will be paid directly to the lienholder or lessor as sole payee. In the event of a total loss, your rights to cancel the
Contract may transfer to the lienholder or lessor if the Contract was financed with your COVERED VEHICLE and any refund due, based on 3a, 3b and 3d
above, will be paid directly to the lienholder or lessor as sole payee, or, if YOU provide US with proof of clear title, YOU will be the sole payee of the
refund. On any other refund, the lienholder/lessor shall be named as their interest may appear.
SECTION 8. ARBITRATION PROVISION is deleted and replaced with the following: SECTION 8. MATTERS CONCERNING DISPUTES At the time of any disagreement the
parties may voluntarily agree, in a separate written agreement, to submit their matters of difference to arbitration. Should YOU choose not to arbitrate; any legal
proceeding with respect to a dispute will be tried in a court of competent jurisdiction. In no event may a legal proceeding arising out of or relating to this Contract,
or its breach be brought more than four years after this Contract has expired.

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 Guaranteed Auto Protection – GAP Waiver Addendum Waiver Number: 105766169
Customer Name(s)

Michael Squillace
Address City State Zip

946 Magnolia toad, Unit B Vineland NJ 08360

Vehicle Identification Number (VIN) Year Make Model Mileage

19UUB2F30FA014607 2015 Acura TLX 113354

Creditor Telephone Number

Westlake Financial Services (866) 619-2524

Address City State Zip

P.O. Box 76809 Los Angeles CA 90076

Date of Finance Agreement Term (Months) Retail Installment Sale Contract

9/12/2025 60
Dealer Name Telephone Number

Victory Auto Group (856) 691-9068

Address City State Zip

847 S Delsea Dr Vineland NJ 08360

1. Gap Waiver Addendum: This Guaranteed Asset Protection (Gap) Waiver Addendum is entered into by Customer and Dealer/Creditor, and after any
assignment, is between Customer and Creditor. This Gap Waiver amends Customer’s Finance Agreement to provide that, in the event of a Total Loss, Creditor
agrees to waive the difference (“Gap Amount”) between the Unpaid Net Balance of Customer’s Finance Agreement on the Date of Loss, and the Actual Cash
Value. Customer will remain responsible for the remaining balance of the Finance Agreement.
The maximum amount waived is $25,000.
495.00
2. Fee to Customer to purchase the Gap Waiver is $___________.
3. CLAIMS: In the event of Total Loss, Customer must notify Creditor of the loss and contact the primary insurance carrier. Should Customer not
have comprehensive insurance on the Date of Loss, it is Customer’s responsibility to advise Creditor in writing within 90 days of the event that caused
the Total Loss. Customer must provide the following documentation within 90 days of the primary carrier settlement (or within 90 days of the event
that caused the Total Loss if no physical damage insurance exists on the date of loss) to Creditor for forwarding to the Administrator. If Customer fails
to provide this documentation within 90 days of the primary carrier settlement (or the event that caused the Total Loss, as applicable), then Creditor
will not waive the Gap Amount.
1. If applicable, complete documentation from the primary insurance carrier substantiating the date of and cause of loss of the Vehicle, gross
settlement amount, deductible, net settlement amount and proof of payment. Should Customer not have collectible physical damage
insurance on the Date of Loss, it is Customer’s responsibility to advise Creditor in writing within 90 days of the event that caused the Total
Loss.
2. A copy of the complete itemized estimate of damages to the Vehicle from a body shop is required, except in the case of unrecovered theft.
3. Copy of the police report.
Customer agrees to cooperate with Creditor to obtain the maximum amount for Actual Cash Value of the Vehicle from the primary insurance company. Customer
hereby agrees to cooperate with Creditor by supplying information, including, but not limited to a copy of Customer’s primary insurance settlement check.
Customer will not be required to provide any documentation not listed above. If a Total Loss occurs, Customer also agrees to allow Creditor or Administrator to
inspect the Vehicle with reasonable advance notice to Customer. Creditor will pay the cost of the inspection.
THE PURCHASE OF THIS GAP WAIVER IS OPTIONAL AND NOT REQUIRED TO OBTAIN CREDIT, NOR TO OBTAIN CERTAIN TERMS OF CREDIT OR
TO PURCHASE THE RELATED MOTOR VEHICLE AND WILL NOT BE A FACTOR IN THE CREDIT APPROVAL PROCESS. CUSTOMER MAY OBTAIN
GAP PROTECTION FROM AN ALTERNATE SOURCE AND MAY WISH TO CONSULT AN INSURANCE AGENT REGARDING COST AND AVAILABILITY
OF SIMILAR COVERAGE. THIS GAP WAIVER IS NOT AN OFFER OF INSURANCE COVERAGE AND MAY NOT CANCEL OR WAIVE THE ENTIRE
AMOUNT OWING AT THE TIME OF LOSS. THIS GAP WAIVER DOES NOT TAKE THE PLACE OF LIABILITY, COLLISION, COMPREHENSIVE, OR ANY
OTHER FORM OF INSURANCE ON CUSTOMER OR THE MOTOR VEHICLE NOR DOES IT SATISFY STATE REQUIRED INSURANCE OR FINANCIAL
RESPONSIBILITY LIMITS.
THE TERM OF THIS GAP WAIVER IS EQUAL TO THE ORIGINAL TERM OF THE FINANCE AGREEMENT AND REMAINS A PART OF THE FINANCE
AGREEMENT UPON ITS ASSIGNMENT, SALE OR TRANSFER. DEPENDING ON CUSTOMER’S DOWN PAYMENT ON THE VEHICLE AND OTHER
CONSIDERATIONS, BENEFITS UNDER THIS GAP WAIVER MAY DECREASE OVER THE TERM OF THE FINANCE AGREEMENT.
BY SIGNING BELOW, CUSTOMER ACKNOWLEDGES RECEIPT OF A COPY OF THIS GAP WAIVER AND UNDERSTANDING OF THE DISCLOSURES
ON THIS AND THE FOLLOWING PAGES AND AGREES TO PURCHASE THE GAP WAIVER FOR THE FEE DISCLOSED ABOVE.

Administrator: Westlake Financial Services

4751 Wilshire Blvd., Ste. 100, Los Angeles, CA 90010 Toll-Free Tel.: (866) 619-2524
Form: MULTI-STATE GAP | Form No: WFSDv25-02.26 Page 1 of 5
 Guaranteed Auto Protection – GAP Waiver Addendum Waiver Number: 105766169

STOP AND READ:

YOU CANNOT BE REQUIRED TO BUY A GAP WAIVER OR ANY OTHER OPTIONAL ADD-ON PRODUCTS OR SERVICES. IT IS OPTIONAL.
NO ONE CAN MAKE YOU BUY A GAP WAIVER OR ANY OTHER OPTIONAL ADD-ON PRODUCTS OR SERVICES TO GET FINANCING, TO GET
CERTAIN FINANCING TERMS, OR TO GET CERTAIN TERMS FOR THE SALE OF A VEHICLE.

IT IS UNLAWFUL TO REQUIRE OR ATTEMPT TO REQUIRE THE PURCHASE OF THIS GAP WAIVER OR ANY OTHER OPTIONAL ADD-ON
PRODUCTS OR SERVICES.

eSigned By: eSigned By:

Christian Watson Michael Squillace

Sep 12, 2025 2:07:24 PM PDT 9/12/2025 Sep 12, 2025 2:20:14 PM PDT 9/12/2025
Dealer Signature Date Customer Signature Date

Administrator: Westlake Financial Services

4751 Wilshire Blvd., Ste. 100, Los Angeles, CA 90010 Toll-Free Tel.: (866) 619-2524
Form: MULTI-STATE GAP | Form No: WFSDv25-02.26 Page 2 of 5
 Guaranteed Auto Protection – GAP Waiver Addendum Waiver Number: 105766169
DEFINITIONS: For the purpose of this Gap Waiver, the following terms mean: cancelable.
Actual Cash Value means on the Date of Loss: (1) the market value of the C. Alabama, California, Colorado, Indiana, Louisiana, Maine,
Vehicle as determined by the primary insurance carrier less any insurance Massachusetts, Nevada, New Jersey, North Dakota, Texas, Utah,
carrier deductible in an amount no more than $1,000; or (2) if there is no primary Vermont and Wisconsin: Customer may cancel this Gap Waiver at
insurance coverage at the time of the loss (or if the insurer that issued the any time. If Customer cancels this Gap Waiver after the Free Look
primary insurance is insolvent), the market value of the Vehicle as defined in Period, Creditor will refund to Customer any unearned Fee to
J.D. Power Official Used Car Guide. purchase this Gap Waiver. The refund will be calculated using the
Creditor means Creditor as listed on page 1 of this Gap Waiver. pro-rata method, except in Vermont and Massachusetts, where the
Customer means the purchaser of the Vehicle, as listed on page 1 of this refund will be calculated using the actuarial method, or in Louisiana
Gap Waiver. and Wisconsin, where the refund will be calculated using the rule of
Date of Loss means the date on which the actual physical loss or damage 78s. To receive any refund due, Customer must send a written
occurred to the Vehicle. If such date cannot be determined, Date of Loss shall request via certified mail to Administrator at: Westlake Financial
be either the date established by the primary insurance carrier or the date the Services, LLC, 4751 Wilshire Blvd., Ste. 100, Los Angeles, CA
occurrence was reported to the police, whichever is earlier. 90010. If Customer purchased this Gap Waiver in Alabama, New
Deferred Payment means a payment that: (1) has been postponed, skipped Jersey, North Dakota and Texas, Customer will be required to pay a
or waived by Creditor, and (2) remains unpaid on the Date of Loss. $50 cancellation fee. If Customer purchased this Gap Waiver in
Delinquent Payment means any payment, as described in the Finance Colorado, Customer will be required to pay a $25 cancellation fee.
Agreement, which remains unpaid for a period of more than 30 days after the D. Alabama, California, Colorado, Indiana, Iowa, Louisiana, Maine,
due date stated in the Finance Agreement. Massachusetts, Nevada, New Jersey, North Dakota, Texas, Utah,
Finance Agreement means the Retail Installment Sales Contract or Vermont, and Wisconsin: If the Finance Agreement is terminated
Promissory Note and Security Agreement entered into by Customer in due to an event other than Customer’s cancellation of this Gap
connection with the purchase of the Vehicle, except if Customer purchased this Waiver, and if no claim has been made under this Gap Waiver,
Gap Waiver in Texas, where Finance Agreement means only the Retail Creditor will refund to Customer any unearned Fee to purchase the
Installment Sales Contract. Gap Waiver. The refund will be calculated using the pro- rata method,
Total Loss means a total or constructive total loss of the Vehicle as defined except in Vermont and Massachusetts, where the refund will be
by Customer’s primary automobile insurance carrier. If no primary insurance calculated using the actuarial method, or in Louisiana and Wisconsin,
carrier exists, then Total Loss means when the repair cost due to the accident, where the refund will be calculated using the rule of 78s. To receive
excluding any diminution of value resulting from prior damages, exceeds that any refund due, Customers who purchased this Gap Waiver in
Actual Cash Value or, in the event of the theft, when the Vehicle has not been Louisiana, Maine, Nevada, North Dakota, and Utah must send a
recovered after 30 days from the date of the original police theft report. written request via certified mail to Administrator at: Westlake
Uniform Monthly Repayment Terms means payments that are Financial Services, LLC, 4751 Wilshire Blvd., Ste. 100, Los Angeles,
consecutive, monthly and substantially equal. CA 90010. Customers who purchased this Gap Waiver in Maine,
Unpaid Net Balance means the amount owed by Customer to clear the Nevada, North Dakota, and Utah must send this request within 90
outstanding Finance Agreement account as of the Date of Loss. This amount days of the event terminating the Finance Agreement. On the original
shall not include any and all unearned and/or future finance charges, late scheduled termination of the Finance Agreement or if the Creditor
charges, Delinquent Payments, Deferred Payments, uncollected service waives the Gap Amount after a Total Loss, this Gap Waiver will
charges, refundable prepaid taxes and fees or any proceed which may be terminate and be deemed as fully earned and, therefore, no refund
recovered by canceling any insurance coverages, service contracts and/or will be made.
warranties, credit life, accident and health insurance or other cancelable items. E. Florida and Wyoming: Customer may cancel this Gap Waiver at any
Vehicle means the four-wheeled private passenger vehicle, van, pickup or time before any benefits have been received under this Gap Waiver.
If Customer cancels this Gap Waiver or if the Finance Agreement is
light truck, as listed in this Gap Waiver. terminated due to an event other than the Customer’s cancellation of
Capitalized terms used herein that are not defined above will have the this Gap Waiver, and if no claim has been made under this Gap
meanings as set forth in Customer’s Finance Agreement. Waiver, Creditor will refund to Customer any unearned Fee to
purchase the Gap Waiver. The refund will be calculated using the
CANCELLATION AND REFUNDS: This Gap Waiver is non-cancelable and no pro-rata method. To receive any refund due when the Finance
refund will be provided, unless Customer purchased this Gap Waiver in one of Agreement is terminated due to an event other than the Customer’s
the following states as described below: cancelation of this GAP waiver, Customers who purchased this Gap
A. FREE LOOK PERIOD (Alabama, Arkansas, California, Colorado, Waiver in Florida must send a written request via certified mail to
Georgia, Indiana, Kansas, Louisiana, Maine, Massachusetts, Administrator at: Westlake Financial Services, LLC, 4751 Wilshire
Michigan, Minnesota, Mississippi, Montana, Nebraska, Nevada, Blvd., Ste. 100, Los Angeles, CA 90010, within 90 days after the
New Hampshire, New Jersey, North Carolina, North Dakota, occurrence of the event terminating the Finance Agreement. On the
Oregon, Rhode Island, South Carolina, Tennessee, Utah, Texas, original scheduled termination of the Finance Agreement or if the
Vermont, Virginia, Washington, West Virginia, and Wisconsin): For Creditor waives the Gap Amount after a Total Loss, this Gap Waiver
a period of 30 days after the date of purchase, Customer may cancel this will terminate and be deemed as fully earned and, therefore, no
Gap Waiver without any fees, penalty or costs and receive a full refund refund will be made.
of the Fee to purchase this Gap Waiver, provided no benefits have been ADDITIONAL TERMS AND CONDITIONS:
provided under the Gap Waiver. In order to cancel, Customer must A. Customer may transfer this Gap Waiver to another person by
send a written request via certified mail to Administrator at: transferring Customer’s equity in the Vehicle with the written consent
Westlake Financial Services, LLC, 4751 Wilshire Blvd., Ste. 100, Los of Creditor. In the event Creditor transfers its equity to another
Angeles, CA 90010. For a full refund, the request for cancellation creditor this Gap Waiver will remain in effect and that no subrogation
must be postmarked or delivered to Administrator before midnight rights against Customer will remain.
on the 30th day after the date this Gap Waiver was purchased by B. This Gap Waiver is provided for the term of the original Finance
Customer. Customer should keep a copy of the cancellation request for Agreement only and does not apply to any extensions beyond the
Customer’s records. If Customer cancels this Gap Waiver and is entitled original term. This Gap Waiver is terminated if: (1) Customer requests
to a refund, Creditor may apply the refund as a reduction of the overall cancellation of this GAP Waiver as described above; (2) the Finance
amount owed under the Finance Agreement, rather than applying the Agreement is prepaid in full prior to maturity; (3) the Vehicle is no
refund strictly to the purchase price of this Gap Waiver, unless Customer longer in Customer’s possession due to Creditor’s lawful
has paid off the Finance Agreement in full. repossession and disposition of the Vehicle; and (4) in the event of
B. Arkansas, Georgia, Kansas, Michigan, Minnesota, Mississippi, Total Loss and notification by Customer pursuant to Section 3 of this
Montana, Nebraska, New Hampshire, North Carolina, Oregon, GAP Waiver, Creditor denies Customer’s request based on one of
Rhode Island, South Carolina, Tennessee, Virginia, Washington, the Exclusions identified below. This Gap Waiver will also terminate
and West Virginia: After the Free Look Period, this Gap Waiver is non- on and the Customer will receive a refund based on the earliest of:
Administrator: Westlake Financial Services
4751 Wilshire Blvd., Ste. 100, Los Angeles, CA 90010 Toll-Free Tel.: (866) 619-2524
Form: MULTI-STATE GAP | Form No: WFSDv25-02.26 Page 3 of 5
 Guaranteed Auto Protection – GAP Waiver Addendum Waiver Number: 105766169
prepayment or refinancing of the Finance Agreement, acceleration or Indiana:
demand in full of the Finance Agreement’s unpaid balance, total denial A. The sale of this Gap Waiver is not permitted if the amount financed,
of the claim, or the Vehicle is no longer in Customer’s possession due to less the Fee to purchase this Gap Waiver, less the cost of credit
Creditor’s lawful repossession and disposition of the Vehicle. insurance, and less the cost of warranties, is less than 80% of MSRP
for a new vehicle or 80% of the average retail value for a used vehicle,
EXCLUSIONS: The benefits of this Gap Waiver do not apply to: as determined by use of a third party valuation service provider that
A. Loss or damage resulting directly or indirectly from fraudulent act by is customarily relied upon in the used motor vehicle commercial
Customer or any party acting on behalf of Customer or due to legal marketplace. The J.D. Power Official Used Car Guide
confiscation of the Vehicle by public official; or in event of repossession. value of the Vehicle is $____________.
B. Loss or damage caused by an act where Customer or any party acting B. You may be able to obtain GAP coverage from your primary
on behalf of Customer intentionally damages the Vehicle causing a Total insurance carrier.
Loss.
C. Vehicles that are part of a fleet that are intended for use as a public or Kansas:
livery conveyance or to any Vehicle for commercial use. A. Complaints: If you have any questions or complaints you may
D. Total Losses not covered by the primary insurance carrier or occurrences contact the Office of the State Bank Commissioner, 700 S.W.
arising out of racing, speed contest, confiscation, or an intentional act of Jackson #300, Topeka KS 66603, [Link]
destruction by Customer.
Louisiana:
STATE-SPECIFIC DISCLOSURES AND AMENDMENTS: If this Gap Waiver A. Notwithstanding the definitions of Actual Cash Value and Unpaid Net
is purchased in any of the following states, the following applicable state- Balance, Creditor hereby agrees by acceptance of this Gap Waiver
specific disclosures and amendments to this Gap Waiver will apply: as an amendment to the Financing Agreement upon assignment to
waive Customer’s liability for the difference between the amount
Arkansas: owed, excluding past due amounts, payment extensions, insurance,
A. The Fee to purchase this Gap Waiver is not regulated. Customer should or other charges, under the Finance Agreement and the amount paid
determine whether the Fee is reasonable in relation to the protection by the primary insurance carrier after the Vehicle is deemed a Total
afforded by this Gap Waiver. Loss from a peril covered by the primary insurance carrier or if there
is no primary insurance on the date of loss, the actual cash value of
Alabama: the Vehicle as of the Date of Loss as determined by an established
A. The Fee to purchase this Gap Waiver is not regulated. Customer should value guide.
determine whether the Fee is reasonable in relation to the protection
afforded by this Gap Waiver. Minnesota:

California: A. THE GAP WAIVER IS OPTIONAL. YOU DO NOT

A. THIS GAP WAIVER IS AN OPTIONAL ADDITION TO THE FINANCE HAVE TO PURCHASE THIS PRODUCT IN
CONTRACT. ORDER TO BUY THIS MOTOR VEHICLE. YOU
B. THE HOLDER OF THE FINANCE CONTRACT IS THE
CONTRACTING PARTY TO THE GAP WAIVER. ALSO HAVE A LIMITED RIGHT TO CANCEL.
Colorado: Nebraska:
A. The $25,000 limitation on the maximum Gap Amount waived does not A. This Gap Waiver is not insurance and is not regulated by the
apply. Nebraska Department of Insurance.
B. The time period within which Customer must provide the documentation in
paragraph 3 on page 1 of this Gap Waiver in the event of Total Loss is
revised to be within 90 days after the loss settlement from any property Nevada: REQUIRED DISCLOSURES:
damage insurance or from the date the creditor notifies Customer of any A. This Gap Waiver is not a policy of liability or casualty
deficiency balance owed, whichever is later.
C. The definition of Unpaid Net Balance is revised to exclude only unpaid insurance and does not satisfy the requirement to
installments under the Finance Agreement, late charges, fees for the return maintain liability insurance pursuant to NRS 485.185; and
or dishonor of checks or other instruments tendered as payment,
premiums for creditor-imposed property damage insurance, deferral fees, B. Failure to make a timely payment under the terms of the
refunds owed on cancellable service contracts and other protection Finance Agreement may void this Gap Waiver.
products that were financed in the Finance Agreement, the salvage value
of the Vehicle, as determined by Customer’s primary insurer of the Vehicle, New Jersey:
if the totaled Vehicle is retained by the consumer; and deductions taken by A. In the “CANCELLATION AND REFUNDS” Section, only Paragraphs
Customer’s primary insurer of the Vehicle for prior unrepaired damage to A, C, and D apply.
the Vehicle if, before taking the deduction, the GAP Administrator or B. In other respects, this Gap Waiver is enforceable in New Jersey
Creditor has documentary proof that: (i) Customer submitted an insurance except as follows: (1) state-specific provisions, disclosures and
claim related to prior unrepaired damage to the motor vehicle; or (ii) amendments specifically applicable to residents of a state other than
Customer received payment for the prior unrepaired damage to the motor New Jersey do not apply to New Jersey residents; and (2) this Gap
vehicle. waiver is governed by New Jersey and federal law.
D. CUSTOMER MAY CANCEL THIS GAP WAIVER FOR ANY OR NO
REASON WITHIN 30 DAYS AFTER THE EFFECTIVE DATE OF THE New York:
GAP WAIVER, AND CUSTOMER WILL RECEIVE A FULL REFUND OF A. The $25,000 limitation on the maximum Gap Amount waived does not
THE GAP FEE SO LONG AS NO LOSS OR EVENT COVERED BY THE apply.
GAP WAIVER HAS OCCURRED. B. Paragraphs A and B under “ADDITIONAL TERMS AND
E. If this transaction contains a fee, charge, or premium for guaranteed asset CONDITIONS” are deleted.
protection, all holders and assignees of this consumer credit transaction C. Paragraph A under “EXCLUSIONS” is amended to read: “Loss or
are subject to all claims and defenses that the consumer could assert damage resulting directly or indirectly from fraudulent act by
against the original creditor resulting from the consumer's purchase of the Customer or any party acting on behalf of Customer. Paragraphs B,
guaranteed asset protection. C, D and E under “Exclusions” are deleted.

Administrator: Westlake Financial Services

4751 Wilshire Blvd., Ste. 100, Los Angeles, CA 90010 Toll-Free Tel.: (866) 619-2524
Form: MULTI-STATE GAP | Form No: WFSDv25-02.26 Page 4 of 5
 Guaranteed Auto Protection – GAP Waiver Addendum Waiver Number: 105766169
D. We have obtained creditor GAP insurance covering the Finance
Agreement from _____________________________________.
Westlake Financial The
cost of our creditor GAP insurance is $____________.
495.00

Tennessee:
A. The Fee to purchase this Gap Waiver is not regulated and Customer has
the responsibility to determine whether the cost is reasonable in relation
to the protection afforded by this Gap Waiver.
Texas:
A. It is Customer’s responsibility to maintain insurance on the Vehicle while
the Finance Agreement is in effect.
B. Creditor will cancel certain amounts Customer owes under this Gap
Waiver in the case of a Total Loss or theft of the Vehicle as stated in the
Gap Waiver.
C. You may file a complaint about this Gap Waiver with the Office of
Consumer Credit Commissioner (OCCC), a state agency. OCCC
address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538‐
1579. Website: [Link].
Utah:
A. This Gap Waiver is subject to limited regulation by the Utah Insurance
Commissioner. You may submit a complaint regarding this Gap Waiver
to the Commissioner.
Washington:
A. This Gap Waiver is not credit insurance and does not eliminate
Customer’s obligation to insure the Vehicle as provided by laws of
Washington. Purchasing a Gap Waiver does not eliminate Customer’s
rights and obligations under the vendor single-interest and collateral
protection coverage laws of Washington.

Administrator: Westlake Financial Services

4751 Wilshire Blvd., Ste. 100, Los Angeles, CA 90010 Toll-Free Tel.: (866) 619-2524
Form: MULTI-STATE GAP | Form No: WFSDv25-02.26 Page 5 of 5
 ODOMETER
DISCLOSURE STATEMENT

Federal law (and State law, if applicable) requires that you state the mileage upon transfer of ownership. Failure to complete or
providing a false statement may result in fines and/or imprisonment.

I, Victory Auto Group (transferor's name, print) state that the odometer now reads 113354
(no tenths) miles and to the best of my knowledge that it reflects the actual mileage of the vehicle described below, unless one of
the following statements is checked.

l (1) I hereby certify that to the best of my knowledge the odometer reading reflects the amount of mileage in excess of its
mechanical limits.
l (2) I hereby certify that the odometer reading is NOT the actual mileage. WARNING f ODOMETER DISCREPANCY.

Make Acura Vehicle Identification Number 19UUB2F30FA014607

Model TLX Year 2015
Body Type Sedan Date of Statement 9/12/2025
eSigned By:
eSigned By:

Christian Watson Michael Squillace

Sep 12, 2025 2:07:28 PM PDT Sep 12, 2025 2:20:25 PM PDT

(Transferor's Signature) (Transferee's Signature)

Victory Auto Group Michael Squillace
(Printed Name) (Printed Name)

TRANSFEROR'S NAME AND ADDRESS TRANSFEREE'S NAME AND ADDRESS

Victory Auto Group Michael Squillace

(Printed Name) (Printed Name)
847 S Delsea Dr 946 Magnolia toad, Unit B
(Street or Address) (Street or Address)
Vineland NJ 08360 Vineland NJ 08360
(City) (State) (Zip) (City) (State) (Zip)

Odometer Disclosure Statement ODS 4/24/2007

®
©2017 The Reynolds and Reynolds Company
THERE ARE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO CONTENT OR FITNESS FOR PURPOSE OF THIS FORM. CONSULT YOUR OWN LEGAL COUNSEL.
 About Printing Requirements Reset Show Field Borders

Agreement to Provide Insurance

Seller\Lessor (Name and Address) Buyer\Lessee (Name(s) and Address(es)
Victory Auto Group Michael Squillace
847 S Delsea Dr 946 Magnolia toad, Unit B
Vineland, NJ 08360 Vineland, NJ 08360

Transaction No. 57 Date 9/12/2025

Insurance Requirements Coverage
Acknowledgment of Insurance Requirements. You have X Collision
l Deductible $ 500.00
entered into a transaction with the Seller\Dealer that X Comprehensive
l Deductible $ 500.00
requires you to keep the collateral associated with the l Deductible $
transaction insured. Your transaction documents
contain the details of the insurance requirements. You Loss Payee (Name and Address)
agree that the Seller\Lessor (or its Assignee) has the Westlake Financial
authority to contact the insurance company for any 4751 Wilshire Blvd. Suite 100
issues related to the insurance coverage for this Los Angeles, CA 90010
transaction.

Vehicle Description Signatures

Year 2015 By signing below, you acknowledge receipt of a copy
Make Acura of this Agreement to Provide Insurance.
Model TLX
VIN 19UUB2F30FA014607 eSigned By:
Other: Michael Squillace
X Sep 12, 2025 2:20:33 PM PDT 9/12/2025
Michael Squillace Date
Insurance Company and Agent
Insurance Company Progressive
Policy number: 992472208
Effective from 7/31/2025 to 7/31/2026 X
Date
Insurance Agent (Name, Address and Phone)

,
(800) 776-4737

Agreement to Provide Insurance API-RETAIL 11/19/2010

Page 1 of 1

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 First Payment Notice

Michael Squillace
946 Magnolia toad, Unit B Vineland NJ 08360
Westlake MyAccount Mobile
Dealer: Victory Auto Group
Finance
Vehicle: 2015 Acura TLX
19UUB2F30FA014607 Scan the QR Code to download our app!

Dear Michael Squillace

Your Vehicle Retail Installment Sales contract with (Dealer Name) for the purchase of (vehicle info) will be assigned to
Westlake Financial upon funding. Completing an email questionnaire, an online interview or a phone interview may be
required to fund your vehicle purchase. Please make sure you are available to complete the interview if contacted.

All payments must be made to Westlake Financial directly. No payments should be made to __________________________.
Victory Auto Group
You will receive a welcome package and monthly billing statements from Westlake Financial.

Your first payment of $ 394.93 is due on 10/12/2025

Payment options:

Download the Westlake MyAccount App (Best way to pay!): Register using your Account Number to make payments,
receive account alerts, or sign up for Auto Pay.
Payments can be made via Checking/Savings Account or Debit cards from Visa, MasterCard, Discover, or ATM.
Depending on the state you reside in, you may be assessed a processing fee of $5.00 by a third-party processor or Western.
To find out which is applicable to you, please check your next bank statement.
Scan the QR code above to download the MyAccount App.

Mail your Payment:

Ensure to allow extra time when mailing your payment as the payment needs to be received by the due date.
Send your payment to: Westlake Financial, PO BOX 54807, Los Angeles, CA 90054-0807.

Pay by Phone:
Call (888) 739-9192. Payments can be made via Checking/Savings Account or Debit cards from Visa, MasterCard, or
Discover, or ATM card by using our AI Virtual Assistant, Taylor, or a Customer Service Representative. Depending on the
state you reside in, you may be assessed a processing fee of $5.00 by a third-party processor or Westlake. To find out which
is applicable to you, please check your next bank statement.

MoneyGram:
Call (800) 666-3947 for a MoneyGram location near you, or visit your local Wal-Mart, cost of fee ranges from $2.99-$9.95.
Use the Westlake Financial code of 2603 and provide your Westlake Financial account number or the last six digits of your
vehicle’s VIN.

CheckFree©:
Call (800) 676-6148 for a CheckFree location near you. You must know your Westlake account number to use this payment
service.

Pay Near Me©:

You can make a payment at any 7-Eleven or CVS location (a fee may apply). Sign up for this service at
[Link]/Westlake. You will need your Westlake account number, and your 5-digit zip code. Pay Near Me Excluded
States: New Mexico, Hawaii, and Oklahoma.
Customer Name: Cosigner:
Michael Squillace
Physical Address:
946 Magnolia toad, Unit B
City: State: ZIP:
Vineland NJ 08360
Day Phone: Eve Phone:
(856) 569-2369 (856) 569-2360

Selling Dealership Name: Victory Auto Group

WFS Customer First Payment Notice ENGLISH - 08.2024.