PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

Please read this Protection Agreement carefully, as it

describes the protection You will receive in return for Your

payment of the purchase price of this Protection Agreement.

Please keep this Protection Agreement, Your Declaration Page,

and Sales Receipt/Invoice for the Product(s) You purchased.

They are an integral part of this Protection Agreement, and

You may be required to produce them to obtain service.

For Fast Claim Service Visit:

www.myprotectall.com/brandsmartusa

DEFINITIONS:

“ADH”: Refers to accidental damage from handling; meaning,

damage directly resulting from unintentionally dropping the

Covered Product or spilling liquid onto it. ADH IS NOT

AVAILABLE WITH ALL PRODUCT TYPES.

“Administrator”: The company responsible for administrating

benefits to You in accordance with the Protection Agreement

terms and conditions is ProtectALL USA, LLC, who can be

contacted at 9151 Boulevard 26, Suite 100B, North Richland

Hills Texas 76180, Toll Free Phone Number [1-866-222-0158 ].

“Claim”: A request for service under the provisions of this

Protection Agreement.

“Coverage Amount”: The purchase price of the Product(s),

exclusive of taxes and fees, or number of Claims, as identified

in the Declaration Page or Sales Receipt/Invoice.

“Coverage Start Date”: This is the date coverage begins which

is on the date of purchase, date of delivery, or following

termination of any waiting period as described under

Agreement Term – Effective Date of Coverage on page 2 of this

Agreement.

“Coverage Term” and “Term”: This is the length of coverage

You receive under this Protection Agreement, starting on the

Coverage Start Date as noted on the Declaration Page.

“Coverage Type”: This defines the level of coverage You

purchased.

“Covered Product” and “Product”: The consumer product(s)

that You purchased that is identified on Your Sales

Receipt/Invoice that is covered under this Protection

Agreement.

“Declaration Page”: Summary of the terms and coverage

included with your Protection Agreement.

“Deductible”: The amount You are required to pay, per Claim,

prior to receiving covered services under this Protection

Agreement (if any), as indicated on Your Sales Receipt/Invoice.

“Failure”: The mechanical or electrical breakdown of Your

Covered Product that results in it no longer being able to

function as originally intended, which is caused by defects in

the manufacturer’s materials or workmanship occurring

during normal use of the Product, and NOT due to normal wear

and tear.

“Obligor”, “We”, “Us” and “Our”: The company obligated

under this Protection Agreement is First Shield Consumer

Service Corporation located at 2345 Grand Boulevard, Suite

900, Kansas City, Missouri 64108 [855-671-1319]. In Florida,

the Obligor is First Shield Consumer Service Corporation of

Florida located at 2345 Grand Boulevard, Suite 900, Kansas

City, Missouri 64108 [855-671-1319].

“Power Surge”: Damage to the Product resulting from an

oversupply of voltage to Your Product while properly

connected to a surge protector approved by the Underwriter’s

Laboratory Inc. (UL), but NOT including damages resulting

from the improper installation or improper connection of the

Product to a power source.

“Product Purchase Price”: The amount paid by You for the

Covered Product; excluding any applicable taxes and/or

delivery and handling costs or fees.

“Protection Agreement”, “Agreement” and “Plan”: The

specific “Coverage Plan Option” under this Agreement that

You have selected and purchased, as confirmed on Your Sales

Receipt/Invoice.

“Protection Agreement Price”: The price You paid for this

Protection Agreement.

“Retailer” and “Selling Entity”: The authorized seller of the

Covered Product and this Protection Agreement.

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

“Sales Receipt/Invoice”: The receipt document (paper or

email) provided to You as proof of Your Agreement purchase

that confirms the Plan selected by You, Coverage Term, any

applicable Deductible, and the purchase of this Protection

Agreement.

“You” and “Your”: The original purchaser of the Covered

Product and any authorized transferee of the original

purchaser to any person to whom this Agreement has been

transferred in accordance with these Terms and Conditions.

PRODUCT ELIGIBILITY:

Product Eligibility Requirements: To be eligible for any level of

coverage under this Protection Agreement, the Product must:

• Be new or factory-refurbished, manufactured for use

in the United States, and come with a valid U.S.

manufacturer’s warranty:

• Be solely intended for routine personal or residential

use and NOT in a heavy commercial, industrial, rental,

or educational institution capacity (UNLESS the

“COMMERCIAL/BUSINESS USE” OPTIONAL

COVERAGE UPGRADE has been purchased and is

confirmed on Your Sales Receipt/Invoice); and

• NOT be covered under any other insurance, warranty,

guarantee and/or service contract providing the same

benefits as outlined herein.

YOUR RESPONSIBILITIES:

1. You must purchase the ProtectALL Protection

Agreement for Your Covered Product at time of sale

from the same Selling Entity from whom You

purchased Your Covered Product.

2. Retain and provide Us with a complete copy of Your

Sales Receipt/Invoice. You can provide such proof at

the time You make a Claim.

3. Properly use and maintain Your Product according to

the manufacturer instructions or owner’s manual and

You must perform all the care, maintenance and

inspections for the Product as indicated. Proof of the

completion of such maintenance care and/or

inspection services may be required at the time of a

Claim.

4. If Your Product becomes damaged, You must take the

necessary steps to protect against any further

damage. If We determine that any loss or damage has

occurred as a direct result of not performing any of

the foregoing, Your Claim will be denied.

5. In the event Your original Covered Product is ever

exchanged by the manufacturer or Selling Entity for

reasons not resulting from a Claim, please call toll free

[1-866-222-0158] as soon as possible to update Your

coverage information with the make, model, and

serial number of the exchanged product. Your original

Agreement Term does NOT extend in these cases.

AGREEMENT TERM - EFFECTIVE DATE OF COVERAGE:

COVERAGE under Your Plan becomes effective at different

times; depending on whether Your Claim is: (a) a Failure that

is still covered under the manufacturer’s warranty; (b) a Failure

that is no longer covered under the manufacturer’s warranty

because it has expired; or (c) a covered occurrence that is NOT

a defined Failure (such as an ADH event, a Power Surge event,

Food Loss event, or Laundry Reimbursement event), as further

described below.

Coverage for damages to Your Product resulting from a

covered occurrence that is NOT a Failure (such as Power Surge

or ADH event – as applicable to Your Plan) begins on Your

Agreement purchase date (or Product delivery date, if

different) and continues for the Term shown on Your Sales

Receipt/Invoice.

Coverage for a defined Failure does not become effective

until the manufacturer’s warranty has expired.

1. If you Purchased a DOP (date of purchase) Plan, upon

expiration of the manufacturer’s warranty, coverage

for a defined Failure becomes effective and continues

for the remainder of the Term shown on Your Sales

Receipt/Invoice.

2. If You purchased an EXT (extension) Plan, upon

expiration of the manufacturer’s warranty, coverage

for a defined Failure becomes effective and continues

for the Term shown on Your Sales Receipt/Invoice.

DEDUCTIBLE: You are required to pay the Deductible amount

indicated on Your Sales Receipt/Invoice, per Claim, prior to

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

receiving eligible service under this Protection Agreement (if

any).

SERVICE DELIVERABLES:

In accordance with the Agreement Term-Effective Date of

Coverage provision outlined above, in the event of a covered

Claim for an eligible Covered Product this Agreement provides

for the services described in the “COVERAGE PLAN OPTION”

section below, as applicable to Your purchased Plan and

Covered Products(s). Coverage described in this Protection

Agreement will not replace or provide duplicative benefits

during any active manufacturer’s warranty period. During such

period, anything covered under that warranty is the sole

responsibility of the manufacturer and will not be considered

under this Agreement; regardless of the manufacturer’s ability

to fulfill its obligations.

The following is determined at the Administrator's sole

discretion as deemed appropriate for the particular problem

Your Product is experiencing and based on the explanation You

provided when initiating Your Claim. All Claims submitted in

accordance with this Agreement are handled individually; the

place of service that applies to one Claim may not necessarily

apply to another Claim.

• IN-HOME/ON-SITE: Service will be performed in Your

home or On-site as indicated on Your Sales

Receipt/Invoice or invoice provided You have fulfilled

the following requirements: provided Our authorized

technician with accessibility to the Covered Product;

provided a non-threatening and safe environment for

Our authorized technician; and have an adult over the

age of 18 present for the period Our authorized

technician is on Your property servicing the Covered

Product. In the event it is necessary to continue

certain repair services at a repair center, You may be

required to ship/transport the Product to a repair

center designated by the Administrator. In such

circumstances, the shipping/transportation charges

will be covered by this Protection Agreement. In-

Home/On-site Service will be provided by a service

Provider authorized by the Administrator during

regular business hours (except holidays).

• CARRY-IN/DEPOT: Service will be performed at Our

authorized service center designated by the

Administrator. Unless otherwise provided in this

Protection Agreement and stated on Your Sales

Receipt/Invoice, the Covered Product must be

transported by You or shipped by You to Our

authorized service center. In the event We request

You to ship Your Product to another location for

service, We will pay the shipping costs to and from

such authorized location. Otherwise, shipping costs

are subject to Coverage Type.

COVERAGE PLAN OPTIONS:

Your Protection Agreement type is listed on the Sales

Receipt/Invoice. If your Sales Receipt/Invoice provides that

you are entitled to the applicable protection, then the details

of the Protection Agreement Coverage Type and Terms are

listed below. If you did NOT purchase one of the specific plans

listed in the section below, coverage under this Agreement

provides for the labor and/or parts necessary to repair Your

Covered Product – or at Our sole discretion – a one-time

replacement or reimbursement of a one-time replacement of

Your original Covered Product in lieu of such repair.

If You Purchased one of the specific Plans Listed in the section

below, coverage under this Protection Agreement provides for

the following, as applicable to Your Plan purchase:

COVERAGE AND TERM: This Protection Agreement begins on

the product date of purchase or if applicable, the date of

installation or delivery by the Selling Entity; it does not replace

the warranty but may provide certain benefits during the term

of the manufacturer warranty. At Our sole discretion, We may

use new, used, or remanufactured parts that perform to the

factory specifications in repairing the Covered Product. If the

Covered Product cannot be repaired, if the cost of its repair

exceeds the Covered Product’s original purchase price, or if

parts are no longer available or have been discontinued by the

manufacturer, the Covered Product will be replaced as

determined by Us with a product of like kind and similar

features. Reasonable efforts will be made to replace Your

original Covered Product with the same product; however,

there may be some cases where with a replacement that is at

least of equal features and functionality, but it may be a

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

different brand or color from Your original Covered Product.

Additionally, please note that sometimes technological

advances that are out of Our control may result in a

replacement that has a lower selling price than Your original

Covered Product, and this Protection Agreement does not

provide any reimbursement for such a cost difference. Any/all

parts, components, or whole items that We provide

replacement for will automatically become Our property. In

the event We decide to provide You with reimbursement

towards the replacement of the defective Product, such

reimbursement may be in the form of a check, voucher or

Retailer gift card or store credit. The Value of such will in no

event exceed the “Limit of Liability” of this Protection

Agreement (excluding taxes). Once a product has been

replaced, Your Protection Agreement is considered fulfilled

and Our obligation under the terms and conditions of this

Protection Agreement have been met. All Coverage

proclaimed under this Protection Agreement is expressly

subject to the “Limit of Liability” and “Exclusions” provisions.

A. LARGE APPLIANCES REPAIR PLAN: When purchased,

this Plan provides for labor and/or parts required to

repair the large appliance Product in the event of a

Covered Claim. At Our sole discretion, a one-time

replacement or reimbursement for the cost of a one-

time replacement may be provided in lieu of repairs.

PLUS:

• FOOD LOSS PROTECTION: This Protection

Agreement provides up to five hundred dollars

($500) per contract term of food loss protection

for the failure of Your refrigerator or freezer due

to defects in the cooling components of the

appliance, and not a power failure. To receive

payment, Your appliance must have been out of

service for seven (7) consecutive days and

scheduled for repair by a service center

authorized by the Administrator. To obtain Food

Loss reimbursement, a list of spoiled refrigerated

products will be required. Proof of replacement

food purchase items must be submitted for

reimbursement. This benefit is limited to one (1)

request per year during the term of the

Protection Agreement.

• LAUNDRY REIMBURSEMENT: This Protection

Agreement provides up to fifty dollars ($50) of

laundry reimbursement, per Claim, for the failure

of Your washer or dryer due to electrical or

mechanical defects of the appliance, and not a

power failure. To receive payment, Your

appliance must have been out of service for

seven (7) consecutive days and must be

scheduled for repair by a service center

authorized by the Administrator. This benefit is

limited to (1) request per Covered Claim.

B. SMALL APPLIANCE REPAIR PLAN: When purchased,

this Plan provides for the labor and/or parts

necessary to repair the small appliance Product in the

event of a covered Claim. At Our sole discretion, a

one-time replacement or reimbursement for the cost

of a one-time replacement may be provided in lieu of

the repair. Covered Claims will receive carry-in

servicing.

C. FLAT PANEL TV REPAIR PLAN: When purchased, this

Plan provides for the labor and or parts necessary to

repair the flat panel TV Product in the event of a

covered Claim. At Our sole discretion, a one-time

replacement or reimbursement for the cost of a one-

time replacement may be provided in lieu of repair.

• For TVs 40” or Larger: covered Claims will receive

in-home servicing;

• For TVs smaller than 40”: covered Claims will

receive carry-in servicing.

D. PROJECTOR TV REPAIR PLAN: When purchased, this

Plan provides for the labor and/or parts necessary to

repair the projector Product and/or remote control in

the event of a covered Claim. At Our sole discretion,

a one-time replacement or reimbursement for the

cost of a one-time replacement may be provided in

lieu of repair. Eligible Projector TVs include: DLP rear

projection TV, LCD rear projection TV, D-ILA rear

projection TV, LCOS rear projection TV, and DLP

projector; all including associate remote control.

E. WATCH REPAIR PLAN: When purchased, this Plan

provides for the necessary materials and labor costs

to repair the watch Product to a usable and wearable

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

condition in the event of a covered Claim; provided,

such is necessitated by during routine wear/normal

use of the Product under the conditions for which it

was designed. Coverage also includes water damage

and/or broken crystals, resulting from accidental

damage from handling. Covered components include

crown, dial, hand, marker and water-resistant

pressure mechanism.

For smart watches or fitness band watches, coverage

also includes the following:

• Damaged or defective buttons or connectivity

ports: labor and or parts required to repair

damaged or defective buttons or connectivity

ports located on the Covered Product when such

damage/defect results in significant functional

impairment of the Product.

• Defective Pixels: labor and/or parts required to

repair pixels within the display area when such

defect significantly impairs the products

functionality.

F. FITNESS REPAIR PLAN: When purchased, this Plan

provides for the labor and/or parts necessary to

repair the fitness equipment Product and/or remote

control in the event of a covered Claim. At Our sole

discretion, a one-time replacement or

reimbursement for the cost of a one-time

replacement may be provided in lieu of repair.

G. LAWN / GARDEN / POWER TOOL & GENERATORS

EQUIPMENT “EXT” REPLACEMENT PLAN (for

Products with a Product Purchase Price of $399.99 or

less): When purchased, this Plan provides for a ONE-

TIME replacement of Your original lawn/garden

Product in the event of a Covered Claim. At Our sole

discretion, reimbursement for the cost of a one-time

replacement may be provided in lieu of a one-time

replacement.

H. LAWN / GARDEN / POWER TOOL & GENERATORS

EQUIPMENT Repair Plan (for Products with a

Product Purchase Price of $400.00 or more): When

purchased, this Plan provides for labor and/or parts

required to repair Your lawn/garden/power

tool/generator Product in the event of a Covered

Claim. At Our sole discretion, a one-time replacement

or reimbursement for the cost of a one-time

replacement may be provided in lieu of such repair.

I. HOME SECURITY AND HOME AUTOMATION REPAIR

PLAN: When purchased, this Plan provides for the

labor and/or parts necessary to repair Your Home

Security OR Home Automation Product in the event

of a Covered Claim. At Our sole discretion, a one-time

replacement or reimbursement for the cost of a one-

time replacement may be approved in lieu of repair.

J. REPLACEMENT PLAN (for eligible Products with a

Product Purchase Price of $499.99 or less): When

purchased, this Plan provides for a one-time

replacement of Your original Covered Product in the

event of a Covered Claim. We may replace the

Covered Product with a new or remanufactured

product of like kind and similar features. At Our sole

discretion, reimbursement for the cost of a one-time

replacement may be provided in lieu of repair or a

one-time replacement. Coverage for damages from

accidental damage from handling, and trip, labor, or

shipping charges are NOT COVERED under this Plan.

Once a product has been replaced, Your Protection

Agreement is considered fulfilled and Our obligation

under the terms and conditions of this Protection

Agreement have been met.

ADDITIONAL BENEFITS (Separate purchase not required):

• POWER SURGE PROTECTION: This Protection

Agreement provides power surge protection

from the product date of purchase. If the

Covered Product is damaged because of a power

surge, we will service or replace the Covered

Product in accordance with the terms herein

(limited to damage sustained to the Covered

Product only).

• NO LEMON GUARANTEE: For all Covered

Products, after three (3) repairs for covered

Failures after the expiration of the

Manufacturer’s Warranty on the same problem

have been completed, if the Product requires a

fourth (4

) repair to that same component due

to a covered Failure, the Product will either be

replaced with a product of like kind and quality

(but not necessarily same brand or color), or - at

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

Our sole discretion - We will provide You with

reimbursement for a replacement. If You receive

a replacement under this NO LEMON

GUARANTEE, Our obligations under this

Protection Agreement shall be considered

fulfilled in their entirety and Your coverage will

end. Any repair services performed while Your

Product is under the manufacturer’s warranty

period are NOT considered “Qualifying Service

Repairs” Under this NO LEMON GURANTEE.

• REINSTALLATION: If Your original Product needs

service and was delivered and installed by the

Retailer or a Retailer contractor, as evidenced on

Your Sales Receipt/Invoice, and You receive a

replacement product pursuant to this Protection

Agreement or it is necessary for Us/Our

authorized representative to remove Your

original Product for it to be serviced, We will

cover the delivery and installation costs for Your

replacement Product to its original location;

exclusive of any and all parts that may be needed

to complete such installation (i.e. mounting

brackets and kits).

OPTIONAL COVERAGE UPGRADES: For separate selection and

additional purchase. Must be confirmed on Your Sales

Receipt/Invoice. NOT available with all Covered Product

Types. See Your Retailer for confirmation of coverage

availability.

A. ACCIDENTAL DAMAGE FROM HANDLING (ADH)

UPGRADE: Except as otherwise specified, if You were

offered and purchased ADH as an integral part of Your

Coverage Type, it augments Your Protection

Agreement by providing additional protection for

damage from drops, spills and liquid damage

associated with normal handling and use of Your

Covered Product. ADH does not provide protection

against theft, loss, reckless or abusive conduct

associated with handling or use of Your Covered

Product, cosmetic damage and/or other damage that

does not affect the functionality of Your Product, or

damage caused during shipment between You and

Our service providers. When purchased, this optional

coverage upgrade provides for the repair – or at Our

sole discretion – replacement or reimbursement for

replacement of Your Covered Product in the event of

a Covered ADH event in addition to the benefits

outlined under the Coverage Option Plan section that

is applicable to Your purchased Plan.

• This Protection Agreement does not provide

coverage for ADH unless an “ADH” notation is

shown on Your Sales Receipt/Invoice or ADH is

included in Your Plan description.

• Not all types of accidental damages are covered;

be sure to read the “EXCLUSIONS” section

carefully.

B. TV SCREEN DAMAGE UPGADE: When purchased, this

Optional Coverage Upgrade adds the following

Coverage for Your eligible TV Product; in the event of

a Covered Claim, We will provide for the labor and/or

parts necessary to replace Your TV Product’s screen if

it sustains cracks or scratches due to reasons OTHER

than dropping the TV Product and expressly subject

to all provisions listed in the EXCLUSIONS section of

this Plan.

C. COMMERCIAL/BUSINESS USE UPGRADE: When

purchased, this optional coverage upgrade provides

for the benefits outlined under Your Plan for a

Covered Product used in a commercial/business

capacity. Products used in a commercial or business

capacity are NOT covered unless the optional

coverage upgrade has been elected and is confirmed

on Your Sales Receipt/Invoice.

D. WORLDWIDE/EXPORT SERVICE UPGRADE: When

purchased, this optional coverage upgrade provides

expansion of the covered outline under Your Plan

when You travel overseas. So, the benefits that You

are eligible for in the United States of America are

also available while traveling abroad. Refer to the

“HOW TO FILE A CLAIM” section for complete details

regarding this service.

HOW TO FILE A CLAIM:

A. For General Claims: Call the toll-free ProtectALL

number at [1-866-222-0158] or go online

[www.myprotectall.com/brandsmartusa] with Your

Sales Receipt/Invoice readily available. We will ask

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

you to describe the problem Your Product is

experiencing and provide any additional information

or documentation to the Administrator to validate

Your Claim. After confirmation of Your Claim eligibility

under this Protection Agreement, We will attempt to

troubleshoot the problem You are experiencing. If We

are unable to resolve the problem, We will service

Your Covered Product as described under the

Coverage section listed above. THIS PROTECTION

AGREEMENT DOES NOT REPLACE THE

MANUFACTURER’S WARRANTY. If You refuse service

on a Covered Product after We have confirmed a

repair date and time with You and dispatched the

repair servicer to Your location, You will be billed for

that servicer’s applicable trip charge. Payment of any

required Deductible will be collected by the Retailer

or Administrator at this time. IMPORTANT: The

submission of a Claim does not automatically mean

that the damage or breakdown of the Product is

covered under this Protection Agreement. For a Claim

to be considered, You must contact the Administrator

for Claim approval and authorization number (if any).

B. FOR WORLDWIDE/EXPORT SERVICE CLAIMS: If Your

Covered Product needs service while traveling

abroad, You will need to first obtain a proper Claim

authorization number prior to having any services

performed on Your Covered Product. You can do this

by either sending an email to the Administrator at

[internationalsupp[email protected]m], calling

direct [1-945-235-2274] or online at

[www.myprotectall.com/brandsmartusa]. After

receiving authorization, You will need to (a) Transport

the Covered Product to a service center authorized by

Us; (b) Request an estimate for services required to

remedy the problem with Your Covered Product; and

final reimbursement approval. This Protection

Agreement will not provide coverage for

unauthorized services. You will then provide payment

for the cost of services up front, and then submit it to

the Administrator for reimbursement.

Reimbursement is solely based on the original

amount approved by Us and will only be provided to

You after the Administrator has received a copy of the

authorized service center’s invoice detailing Your

Covered Product, a thorough description of services

performed and Your Claims authorization number.

Once this documentation is received and verified,

Your reimbursement will be provided within thirty

(30) days of the Administrator’s receipt of all

requested documentation.

Online:

[www.myprotectall.com/brandsmartusa]

Fax: [1-800-xxx-xxxx]

U.S. Postal Mail: [9151 Boulevard 26, Suite

100B, North Richland Hills Texas 76180]

LIMIT OF LIABILITY: The limit of liability under the Protection

Agreement is the cost of the Product Purchase Price.

The following applies for each Covered Product: The maximum

amount that We are obligated to pay, at Our discretion, is the

LESSER of the cost of:

1. Authorized repairs;

2. A replacement; or

3. Store Credit for a replacement (excluding taxes).

As determined by Us and in accordance with Your purchased

Plan. We will not deduct any Claims incurred from the

Replacement or Store Credit.

In the event We provide one (1) replacement or one (1) Store

Credit for a replacement of Your original Covered Product, that

particular Product type will no longer be eligible for coverage

under Your original Agreement Term. However, if there are

remaining Covered Products listed under this Agreement that

have not yet been replaced or received reimbursement for

replacement, those Products will continue to be covered

throughout the remainder of Your original Term.

LIMIT OF LIABIITY FOR “TV SCREEN DAMAGE UPGRADE: Two

(2) screen replacements.

WE SHALL NOT BE LIABLE FOR ANY INCIDENTAL OR

CONSEQUENIAL DAMAGES, INCLUDING BUT NOT LIMITED TO,

PROPERTY DAMAGE, OR LOST TIME RESULTING FROM THE

FAILURE OF ANY PRODUCT OR EQUIPMENT OR FROM DELAYS

IN SERVICE OR THE INABIITY TO RENDER SERVICE.

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

EXCLUSIONS (WHAT IS NOT COVERED): As Related and

Applicable To The Covered Product(s), This Protection

Agreement Does Not Cover Any Failure, Damage, Repairs or

Loss In Connection With or Resulting From:

• Normal wear and tear unless tied to an electrical or

mechanical breakdown or otherwise mentioned as

covered;

• Abuse, neglect, negligence, misuse, intentional

harm or malicious mischief of or to the Covered

Product;

• Any Claim for service or replacement of the Covered

Product that has not been prior authorized by the

Administrator;

• Structural imperfections or cosmetic damage, when

such do not impair the overall functionality of the

Covered Product, such as scratches, abrasions, or

changes in color, texture or finish;

• Pre-existing conditions that occur prior to the

effective date of this Protection Agreement or

Agreement Transfer;

• Damage from exceeding weight limit restrictions

and guidelines for proper distribution of weight as

set forth in the user’s manual;

• Shipping or delivery charges associated with the

initial purchase of the Covered Product;

• Servicing of the Covered Product in association with

a non-covered Claim;

• Costs associated with tearing down or refinishing of

walls in order to reach and/or evaluate the Covered

Product;

• Products not originally covered by a manufacturer’s

warranty;

• Product repairs that should be covered by the

manufacturer’s warranty or are a result of a recall;

• Routine, periodic or preventative care and/or

maintenance;

• Damage from improper care, intentional or willful

mishandling, or introduction of foreign objects into

the Covered Product;

• Missing serial number, unauthorized modifications

or alterations to a Covered Product, including but

not limited to serial numbers;

• Failure to follow the manufacturer’s instructions for

operation and care of the Covered Product;

• Loss or damage caused by war, invasion, riot, civil

disturbance;

• Loss of use during the period that the Covered

Product is at an authorized service center or

awaiting parts;

• Service where no problem can be found, or noise

caused by normal wear and tear due to usage over

time;

• Abnormal usage of the Covered Product;

• Any storage media damaged by malfunctioning

parts;

• Improper installation of computer components or

peripherals;

• Operating software;

• Accidental damage unless ADH coverage was

purchased as a part of Your Protection Agreement as

described on the Declaration Page and/or Sales

Receipt/Invoice;

• Projector or rear projection TV bulbs;

• Claims made under any improperly or incorrectly

purchased Protection Agreement;

• Defects due to installation, assembly or hook up of

Your Product;

• Any Product that is fraudulently described or

materially misrepresented;

• Any item that has been confirmed to be used in a

commercial, business, heavy industrial and/or

educational institution capacity (unless the

“Commercial/Business Use Upgrade” Optional

Coverage has been purchased);

• Secondary or collateral damage;

• Water damage caused by leaking appliances, water

heaters, skylights, and pipes;

• Damage caused by transit, delivery, redelivery,

removal or reinstallation of the Product, or the

Product being moved between different locations or

into or out of storage, including damage caused by

packing or unpacking the Product;

• Screen monitors with imperfections, including

“burn-in” or burned CRT phosphor;

• Replacement of consumable items, including but not

limited to, batteries, toner, ribbons, ink cartridges,

drums, belts or fuses, connectors, filters, bags, and

lint screens;

• Theft, loss or vandalism of or to the Covered

Product;

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

• Intentional damage or willful abuse or misuse of the

covered Product;

• Rust, corrosion, warping, bending, animals

(including pets), animal inhabitations or insect

infestations;

• Damage from mildew or mold;

• Any product used in a commercial setting unless You

purchased a Commercial/Business Use Upgrade

Coverage;

• Animal damage or infestations, unless otherwise

mentioned;

• Natural flaws or inherent design of jewelry or watch;

• Water damage to watches if used under conditions

which exceed the manufacturer’s resistance

guidelines;

• Tampering with prongs, bezels or other elements

designed to secure stones of jewelry or watch;

• Failure caused by excessive or abusive treatment of

jewelry or watch;

• Physical loss of diamonds, gemstones, or other

materials unless the loss is related to a functional

breakdown of the covered product;

• Any failure, damage, repairs or loss that is covered

under any other protection agreement, warranty,

guarantee, service agreement or insurance;

• Fortuitous events; including, but not limited

to environmental conditions, exposure to weather

conditions or perils of nature; collapse, explosion or

collision of or with another object; fire, any kind of

precipitation, humidity, lightning, dirt/sand, smoke,

nuclear radiation, radioactive contamination, riot,

war or hostile action, governmental act, or internet

or other telecommunications malfunction;

• Notwithstanding any provision to the contrary, this

Agreement excludes any loss, damage, liability,

expense, fines, penalties, or any other amount

directly or indirectly caused by, in connection with,

or in any way involving or arising out of any of the

following, including any fear or threat thereof,

whether actual or perceived:

o Any infectious disease, virus, bacterium or

other microorganism (whether

asymptomatic or not); Or

o Coronavirus (COVID-19) including any

mutation or variation thereof; Or

o Pandemic or Epidemic, as declared as such

by the World Health Organization or any

Governmental Authority.

• In addition to the above, the following specifically

apply to the “TV Screen Damage Upgrade” Optional

Coverage only:

o Damage or breakdown resulting from

dropping the product or spilling liquid onto

it.

o Screen/monitor imperfections; including

but not limited to burned in images in the

CCD, LED or plasma screen caused by video

games, prolonged display of one or more

video signals or operation of the Product

with an aspect ratio that is inconsistent

with the manufacturer’s recommendations.

• In addition to the above, the following specifically

apply to products covered under the “Watch Repair

Plan”:

o Inherent product defects or flaws;

o Loss of diamonds, gemstones or other

materials from bezel greater than 0.10

carat;

o Repair or replacement of scratched crystals;

o Rolex brand watches;

o Any watch with an MSRP of $1000 or

greater;

o Cosmetic damage to the case, bracelet,

band or strap;

o Cosmetic scratches and dents on non-silver

tone stainless steel watch band or strap;

o Screen imperfections, pixel burnout or

other image failure caused by the use of

product in a manner that is inconsistent

with the manufacturer’s specifications;

o Watch batteries;

o Water damage if used under conditions

which exceed the manufacturer’s water

resistance guidelines.

This Protection Agreement is Valid and Eligible for Purchase

in the contiguous United States of America, plus Alaska and

Hawaii.

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

MANUFACTURER’S RESPONSIBILITY:

Parts and services covered during the manufacturer’s warranty

period are the responsibility of the original manufacturer of

Your Covered Product.

GENERAL PROVISIONS:

1. Subcontract. We may subcontract or assign

performance of Our obligations to third parties, but

We shall not be relieved of Our obligations to You

when doing so.

2. Waiver; Severability. The failure of any party to

require performance by the other party of any

provision hereof will not affect the full right to require

such performance at any time thereafter; nor will the

waiver by either party of a breach of any provision

hereof be taken or held to be a waiver of the provision

itself. If any provision of these terms and conditions is

unenforceable or invalid under any applicable law or

be held by application court decision, such as

unenforceability or invalidity will not render these

terms and conditions unenforceable or invalid as a

whole and in such event, such provision shall be

changed and interpreted so as to best accomplish the

objectives of such unenforceable or invalid provision

within the limits of applicable law or applicable court

decisions.

3. Notices. You expressly consent to be contacted, for

any and all purposes, at any telephone number, or

physical or electronic address You produce Us. All

notices or requests pertaining to this Protection

Agreement will be in writing and may be sent by any

reasonable means including by mail, email, fax, text

message or recognized commercial courier. Notices

are considered delivered when sent to You by email

or fax number that You produced to Us, or three (3)

days after mailing to the street address You provided.

TRANSFER OF PROTECTION AGREEMENT:

This Protection Agreement may be assigned or transferred to

a subsequent owner of the product at no charge. To transfer

this Protection Agreement contact the Administrator toll free

[1-866-222-0158] or online at

[www.myprotectall.com/brandsmartusa]. Information

provided by you must include the Agreement number, date of

transfer, new owner’s name, complete address, and telephone

number.

RENEWAL: This Protection Agreement is renewable, at Our

discretion.

MOVING: In the event You move or relocate, please contact

the Administrator to update Your service address.

CANCELLATION. This Contract will automatically cancel and no

longer be in force upon Your receipt or completion of benefits

provided to You in accordance with the terms herein arising

from any Claim. This Protection Agreement may be cancelled

by You for any reason, including, but not limited to, the

Product covered by the Protection Agreement being sold, lost,

stolen or destroyed. To cancel the Protection Agreement,

contact the Administrator toll-free at [1-866-222-0158]. If You

cancel this Protection Agreement within the first thirty (30)

days of the date this Protection Agreement was mailed to You,

or within ten (10) days of delivery of this Agreement if

delivered to You at the time of sale, and no Claims have been

made hereunder, You will receive a full refund of the purchase

price of this Protection Agreement. If You cancel this

Protection Agreement after the thirty (30) days of the date this

Protection Agreement was mailed to You, or after ten (10) days

of delivery of this Protection Agreement if delivered to You at

the time of sale, You will receive a pro rata refund of the

purchase price of the Protection Agreement calculated based

on the elapsed time since the commencement of the

Protection Agreement, less any Claims paid. Cancellations

initiated by You after the first thirty (30) days of the date this

Protection Agreement was mailed to You, or after ten (10) days

of delivery of this Protection Agreement if delivered to You at

the time of sale may be subject to a cancellation fee in an

amount not to exceed ten percent (10%) of the purchase price

of the Protection Agreement or twenty-five dollars ($25),

whichever is less. If You financed the purchase of this

Protection Agreement, any refund due as a result of Your

cancellation of the Agreement will be paid directly to the

lender of record. The Cancellation provisions apply to the

original purchaser of this Protection Agreement only.

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

OUR RIGHT TO RECOVER PAYMENT: If You have a right to

recover against another party for anything We have paid under

this Protection Agreement, Your rights shall become Our

rights. You shall do whatever is necessary to enable Us to

enforce these rights. We shall recover only the excess after You

are fully compensated for Your loss.

PRIVACY AND DATA PROTECTION: (For any Covered Product

that uses wireless data) You agree that any information or data

disclosed to Us under this Agreement is not confidential.

Furthermore, You agree that We may collect and process data

on Your behalf when We provide the services contemplated

under this Agreement. This may include transferring Your data

to affiliated companies or third-party service providers in

accordance with Our Customer Privacy Policy. Except for the

purposes of providing service in this Agreement, We will not

share Your information with third parties without Your

permission and We will comply with applicable privacy and

data protection laws in Your jurisdiction.

Unless specifically prohibited by Your jurisdiction’s privacy and

data protection laws, We may transfer Your information to

other countries and jurisdictions provided that anyone to who

We transfer Your information provides an adequate level of

protection. In addition, Your information may be accessed by

law enforcement agencies and other authorities to prevent

and detect crime and comply with legal obligations.

ARBITRATION: Please read this arbitration provision carefully.

It affects Your rights.

Most of your concerns about this Protection Agreement can be

addressed by contacting the Administrator at [1-866-222-

0158]. If We cannot resolve any disputes with You related to

the Protection Agreement, including Claims, You and We agree

to resolve those disputes through binding arbitration or small

claims court instead of through courts of general jurisdiction.

Further, You and We agree to waive our rights to a trial by jury

and to not participate in any class arbitrations or class actions.

This Protection Agreement is evidence of a transaction in

interstate commerce and the Federal Arbitration Act applies to

and governs the enforcement of any arbitration hereunder.

The provisions of this ARBITRATION section shall survive the

termination of this Protection Agreement. By purchasing this

Protection Agreement you agree to the following dispute

resolution protocol. Any and all claims, disputes, or

controversies of any nature whatsoever or other intentional

tort, property, or equitable claims arising out of, relating to, or

in connection with (1) this Protection Agreement or any prior

Agreement or product, and the purchase thereof; and (2) the

validity, scope, interpretation, or enforceability of this

provision or of the entire Agreement (“Dispute”), shall be

resolved by binding arbitration before a single arbitrator All

arbitrations shall be administered by the American Arbitration

Association (“AAA”) in accordance with its Expedited

Procedures of the Commercial Arbitration Rules of the AAA in

effect at the time the Dispute is filed. The terms of this

provision shall control any inconsistency between the AAA’s

Rules and this provision. You may obtain a copy of the AAA;s

Rules by calling [1-800-778-7879]. Upon written request We

will advance to You either all or part of the fees of the AAA and

of the arbitrator. The arbitrator will decide whether You or We

will be responsible for these fees. The arbitrator shall apply

relevant substantive law and applicable statute of limitations

and shall provide written, reasoned findings of fact and

conclusion of law. The arbitration shall be held at a location

selected by Us with the state in which You purchased this

Agreement. This provision is part of a transaction involving

interstate commerce and shall be governed by the Federal

Arbitration Act, 9 I.S.C § et. Seq. If any portion of this provision is

deemed invalid or unenforceable, it shall not invalidate the

remaining portions of the provision, except that in no event

shall this provision be modified or construed to permit or

mandate arbitration on behalf of a class of claimants or

individuals other than You, or to apply to Disputes other than

Yours. This Provision shall inure to the benefit of and be

binding on You and Us and its provision shall continue in full

force and effect subsequent to and notwithstanding the

expiration of termination of this Agreement.

YOU AND WE UNDERSTAND AND AGREE THAT, BECAUSE OF

THIS PROVISION NEITHER YOU NOR US WILL HAVE THE RIGHT

TO GO TO COURT EXCEPT AS PROVIDED ABOVE OR TO HAVE

A JURY TRIAL OR TO PARTICIPATE AS ANY MEMBER OF A

CLASS OF CLAIMANTS PERTAINING TO ANY DISPUTE.

FRAUD RESULTS IN HIGHER COSTS TO THE CONSUMER AND

IS ILLEGAL.

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

Insurance Securing this Protection Agreement: This

Protection Agreement is not an insurance policy. It is secured

by contractual liability policies provided by Arch Insurance

Company located at 2345 Grand Boulevard, Suite 900, Kansas

City, Missouri 64108 [877-861-2176]. If within sixty (60) days,

We have not paid a covered Claim, provided You with a refund

or You are otherwise dissatisfied, You may make a claim

directly to the insurance company.

You are not required to purchase this Protection Agreement as

a condition of a loan or a condition for the sale of any property.

ENTIRE AGREEMENT:

Unless amended by the State Specific Requirements or revised

by Us with at least thirty (30) days advance written notice to

You, this Protection Agreement sets forth the entire contract

between the parties and no representation, promise or

condition not contained herein shall modify these terms. The

entire contract includes these Terms and Conditions, the

Declaration Page and Your Sales Receipt/Invoice showing the

purchase price of this Protection Agreement and the Product

Purchase Price for the Covered Product.

STATE SPECIFIC REQUIREMENTS:

The following state variations shall control if inconsistent with

any other terms and conditions of this Protection Agreement:

ALABAMA only: Our obligations under this Agreement are

guaranteed under a service contract reimbursement insurance

policy issued by Arch Insurance Company, at 2345 Grand

Boulevard, Suite 900, Kansas City, Missouri 64108. These

provisions apply only to the original purchaser of the

Agreement. In the event the Provider/Obligor cancels the

Agreement, the Provider/Obligor will mail a written notice to

You at Your last known address at least five (5) days prior to

cancellation which shall state the effective date of cancellation

and the reason for cancellation. However, prior notice is not

required if the reason for cancellation is nonpayment of the

Agreement fee or a material misrepresentation by You relating

to the covered property or its use.

ARIZONA only: You have a duty to protect against any further

damage to the covered Product after the Product has been

damaged and shall follow any requirement specified in the

owner's manual of the Product.

Cancellation: If Your written notice of cancellation is received

prior to the expiration date, We will provide a pro rata refund

after deducting for administrative expenses associated with

the cancellation, regardless of prior services rendered against

the Agreement. No Claim incurred or paid shall be deducted

from the amount of the refund. The cancellation provision

shall not contain both a cancellation fee and a cancellation

penalty. The administrative expenses may not exceed ten

percent of the gross amount paid by You for the Agreement.

To arrange for cancellation of this Agreement, please contact

Your Retailer. First Shield Consumer Service Corporation is the

Provider/Obligor for this Agreement in Arizona.

Dispute Resolution: Both parties must agree to arbitration.

Additionally, as an Arizona resident you may follow the process

to resolve complaints under the provisions of A.R.S. §§20-

1095.09 and 20-461, Unfair Trade Practices, as outlined by the

Arizona Department of Insurance and Financial Institutions.

You have a right to file a complaint with the Department of

Insurance and Financial Institutions against Us by contacting

the Department of Insurance and Financial Institutions at [800-

325-2548] or difi.az.gov/complaint.

Our obligations under this Agreement are insured under a

mechanical service contract reimbursement insurance policy

issued by Arch Insurance Company, at 2345 Grand Boulevard,

Suite 900, Kansas City, Missouri 64108.

ARKANSAS only: We shall mail a written notice of cancellation

to You within fifteen (15) days of the date of termination in the

event We terminate this Agreement.

CALIFORNIA only: With respect to California Agreement

holders, the Administrator under the Agreement is ProtectAll

USA, LLC. The Provider/Obligor under the Agreement is First

Shield Consumer Service Corporation. This Agreement may be

cancelled by You for any reason, including, but not limited to,

the Products covered under this Agreement being sold, lost,

stolen or destroyed. If You decide to cancel the Agreement,

and a cancellation notice is received by the Retailer within 60

days of the date You received the Agreement, and You have

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

made no Claims against the Agreement, You will be refunded

the full Agreement price,: or if (a) a claim is made with the first

60 days after Your receipt of this Agreement, or (b) the

Agreement is cancelled by written notice after 60 days from

the date You received the Agreement, then in either case, You

will be refunded a pro-rated amount of the Agreement price,

less any Claims paid and less an administrative fee of 10% of

the Agreement price or $25, whichever is less, unless

otherwise precluded by law. To arrange for cancellation of this

Agreement, please contact Your Retailer.

CONNECTICUT only: The term of this Agreement is

automatically extended by the length of time in which the

Product is in the Provider/Obligor’s custody for repair under

the Agreement. In the event of a dispute with the

Provider/Obligor, You may contact the State of Connecticut

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

0816, Attn: Consumer Affairs. The written complaint must

contain a description of the dispute, the purchase or lease

price of the Product, the cost of repair of the Product, and a

copy of this Agreement.

DISTRICT OF COLUMBIA only: You may return this Agreement

within 30 days of the date this Agreement was mailed to You,

or the date of delivery if this Agreement was delivered to You

at the time of sale. Upon return of the Agreement to the

provider within the applicable time period, if no Claim has

been made under this Agreement , the Agreement shall be

void and We shall refund You or credit the account of this

Agreement, with the full purchase price of this Agreement.

The right to void this Agreement shall not be transferable and

shall apply only to the original Protection Agreement

purchaser and only if no Claim has been made prior to its

return to the Us. If a Claim has been made under this

Agreement within that time period, You may cancel this

Agreement and We shall refund to You 100% of the unearned

pro rata purchase price, less any Claims paid, and

administrative fee charged. We may charge a reasonable

administrative fee not to exceed 10% of the gross purchase

price paid by You.

FLORIDA only: If You cancel this Agreement, You will receive

a refund equal to 90% of the unearned pro rata purchase price

of the Agreement, less any Claims that have been paid or less

the cost of repairs made on Your behalf. To arrange for

cancellation of this Agreement, please contact Your Retailer. If

We cancel this Agreement, You will receive one hundred

percent (100%) of the unearned pro rata purchase price of the

Agreement, less any Claims paid, or the cost of repairs made

on Your behalf. The rates charged for the Agreement are not

subject to regulation by the Florida Office of Insurance

Regulation.

GEORGIA only: Arbitration: If You are a resident of Georgia,

Section 15 Arbitration does not apply to you. We may cancel

the Contract upon thirty (30) days written notice to You for

fraud, material misrepresentation, or nonpayment. Such

notice shall provide the reason for cancellation and the

effective date of such cancellation, and You shall be refunded

100% of the unearned pro rata purchase price, less Claims

paid. A reasonable cancellation fee may be charged by Us not

to exceed 10% of the unearned pro rata purchase price. You

may cancel this Agreement at any time by notifying the

Retailer in writing or by surrendering the Agreement to the

Retailer, whereupon the Retailer will refund the unearned pro

rata purchase price based on the time remaining on the

request for cancellation. To arrange for cancellation of this

Agreement, please contact Your Retailer. The Provider/Obligor

is also entitled to cancel the Agreement at any time based

upon fraud, misrepresentation, nonpayment of fees by You, or

non-renewal. Administrator may cancel the Agreement upon

thirty (30) days written notice to You.

All references to the denial of coverage or exclusion from

coverage for pre-existing conditions shall not apply in cases

where such conditions were known, or should reasonably have

been known, by Us or the Retailer.

Procedures for cancellation of the Agreement will comply with

section 33-7-6 of the Georgia code.

HAWAII only: You may return this Agreement within thirty (30)

days of the date the Agreement was provided to You or within

twenty (20) days if the Agreement was delivered to You at the

time of sale. If you return this Agreement within the applicable

time period, and If You made no Claim, this Agreement is void

and the full purchase price will be refunded to You. To arrange

for cancellation of this Agreement, please contact Your

Retailer. The Provider/Obligor will pay a penalty of ten percent

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

(10%) on a refund that is not paid or credited within forty-five

(45) days after return of the Agreement to the Retailer. These

provisions apply only to the original purchaser of the

Agreement. In the event the Provider/Obligor cancels the

Agreement, We will mail a written notice to You at Your last

known address at least five (5) days prior to cancellation which

shall state the effective date of cancellation and the reason for

cancellation. However, prior notice is not required if the

reason for cancellation is nonpayment of the Agreement fee,

a material misrepresentation by You relating to the Product or

its use, or a substantial breach of Your duties relating to the

Product or its use. Our obligations under this Agreement are

insured under a service contract contractual liability policy

issued by Arch Insurance Company, 2345 Grand Boulevard,

Suite 900, Kansas City, Missouri 64108

ILLINOIS only: First Shield Consumer Service Corporation (and

not the dealer or manufacturer) is the Provider/Obligor under

this Agreement in the State of Illinois. The Provider/Obligor

will pay the cost of covered parts and labor necessary to

restore the Product to normal condition as a result of covered

failure due to normal wear and tear. You may cancel this

Agreement at any time. If You cancel this Agreement within

the first thirty (30) days of purchase and if no service has been

provided to You, You shall receive a full refund of the purchase

price less a cancellation fee equal to the lesser of ten percent

(10%) of the purchase price or fifty dollars ($50.00). If You

cancel this Agreement at any other time or if You cancel after

service has been provided to You, You shall receive a refund

equal to the pro rata purchase price less the value of any

service received and less a cancellation fee equal to the lesser

of ten percent (10%) of the purchase price or fifty dollars

($50.00). To arrange for cancellation of this Agreement, please

contact Your Retailer.

INDIANA only: This Agreement is not insurance and is not

subject to Indiana insurance law.

MAINE only: [If the covered Product requires emergency

repairs outside of normal business hours, You can submit your

Claim by calling toll-free at [855-671-1319].

MARYLAND only: You may cancel this Agreement within 20

days after receipt of this Agreement if mailed to You or within

20 days after the date of delivery of this Agreement if delivered

to You at the time of sale. If You cancel this Agreement within

this time, and a Claim has not been made under the Agreement

prior to its cancellation, the Agreement is void and We shall

refund to You in the full consideration paid for this Agreement

within 45 days after the cancellation. [Any means established

by Us for quick informal settlement of a service contract

dispute].

MASSACHUSETTS only: You have the duty to protect against

any further damage after the covered Product has been

damaged and shall follow the requirements contained in the

owner’s manual for the Product. Our obligations under this

Agreement are insured under a service contract

reimbursement insurance policy issued by Arch Insurance

Company, at 2345 Grand Boulevard, Suite 900, Kansas City,

Missouri 64108.

MINNESOTA only: You have the duty to protect against any

further damage to the covered Product after the Product has

been damaged and shall follow the requirements contained in

the owner’s manual for the Product. Our obligations under

this Agreement are insured under a service contract

reimbursement insurance policy issued by Arch Insurance

Company, at 2345 Grand Boulevard, Suite 900, Kansas City,

Missouri 64108.

MISSOURI only: Obligations of the provider under this service

contract are guaranteed under a reimbursement insurance

policy. If the provider fails to pay or provide service on a Claim

within sixty days after proof of loss has been filed, the contract

holder is entitled to make a Claim directly against the

insurance company. To arrange for cancellation of this

Agreement, please contact Your Retailer. The Provider/Obligor

will pay a penalty of ten percent (10%) on a refund that is not

paid or credited within forty-five (45) days after return of the

Agreement to the Retailer. The following sentence is added as

the last sentence of Section E What to do if you require service:

If it is an emergency and We cannot be reached, You can

proceed with repairs. We will reimburse You or the repairing

facility in accordance with the Agreement provisions.

MONTANA only: Obligations of the provider under this service

contract are insured under a service contract reimbursement

insurance policy.

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

NEVADA only: In the event You are not satisfied with the

manner in which We are handling a Claim, You may file a

complaint with the Nevada Division of Insurance by calling

(888) 872-3234. To arrange for cancellation of this Agreement,

please contact Your Retailer. If We do not provide refund

within 45 days of cancellation, We will pay You a penalty of 10

percent (10%) of the purchase price for each 30-day period

that the refund remains unpaid. You may also cancel this

Agreement at any other time and receive a refund equal to the

pro rata purchase price. These provisions apply only to the

original purchaser of the Agreement.

We may not cancel this Agreement once it has been in effect

for at least seventy (70) days, except for the following

conditions:

(a) Failure by You to pay the Agreement purchase price;

(b) Your conviction of a crime which results in an increase

in the service required under the Agreement;

perpetrated by You in purchasing this contact or obtaining

service;

(d) The discovery of an act or omission, or a violation of

any condition of this Agreement by You which substantially

and materially increases the service requested under the

Agreement; or

(e) A material change in the nature or extent of the

service required under the Agreement, which occurs after the

purchase of this Agreement, and substantially and materially

increases the service required beyond that contemplated at

the time of purchase.

If We cancel this Agreement for any of the above reasons, You

will receive a refund equal to the pro rata purchase price. With

respect to each Product covered under the Agreement, the

Administrator and/or Provider/Obligor liability is limited to the

original retail purchase price You paid for such Product. We

may not cancel the Agreement until at least fifteen (15) days

after the notice of cancellation has been mailed to You. The

obligations under the Agreement are guaranteed by Arch

Insurance Company located at 2345 Grand Boulevard, Suite

900, Kansas City, Missouri 64108.

NEW HAMPSHIRE only: In the event You do not receive

satisfaction under this Agreement, You may contact the New

Hampshire Insurance Department at 21 South Fruit Street,

Suite 14, Concord, NH 03301, 1 [(800) 852-3416]. The

obligations under this Agreement are insured by a contractual

liability policy issued by Arch Insurance Company located at

2345 Grand Boulevard, Suite 900, Kansas City, Missouri 64108.

In the event any covered service is not paid within sixty (60)

days after proof of loss has been filed or the Provider/Obligor

ceases to do business or goes bankrupt, You may file Your

Claim directly with Arch Insurance Company.

NEW JERSEY only: Obligations of the provider under this

Agreement are insured under a service contract

reimbursement insurance policy.

NEW MEXICO only: To arrange for cancellation of this

Agreement, please contact Your Retailer. The Provider/Obligor

will pay a penalty of ten (10%) percent per month on a refund

that is not made within sixty (60) days of the return of the

Agreement. These provisions apply only to the original

purchaser of the Agreement. We may not cancel this

Agreement once it has been in effect for seventy (70) days

except for the following conditions:

(a) Failure to pay an amount when due;

(b) Your conviction of a crime that results in an increase

in the service required under the Agreement;

obtaining the Agreement or in presenting a Claim for service

thereunder; or

(d) Discovery of an act or omission or a violation of any

condition of the Agreement by You, which substantially and

materially increases the service required under the Agreement

If We cancel this Agreement, We will mail a written notice to

You at Your last known address at least fifteen (15) days prior

to cancellation with the reason for cancellation. The written

notice is not required, if the reason for cancellation is

nonpayment of the Agreement fee, a material

misrepresentation, or a substantial breach of duties by You

relating to the Product or its use.

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

NEW YORK only: The obligations of the Provider/Obligor

under this Agreement are insured under a service contract

reimbursement insurance policy issued by Arch Insurance

Company. If the Provider/Obligor fails to perform under this

Agreement, including failure to return any unearned fee in the

event of cancellation, Arch Insurance Company will pay all

sums the Provider/Obligor is legally obligated to pay under this

Agreement or perform any service the Provider/Obligor is

legally obligated to perform under this Agreement. To arrange

for cancellation of this Agreement, please contact Your

Retailer. We will pay a penalty of ten percent (10%) per month

on a refund that is not made within thirty (30) days of return

of the Agreement. These provisions apply only to the original

purchaser of the Agreement. In the event We cancel the

Agreement, We will mail a written notice to You at Your last

known address at least fifteen (15) days prior to cancellation

with the reason for cancellation. A written notice is not

required, if the reason for cancellation is nonpayment of the

Agreement fee, a material misrepresentation, or a substantial

breach of duties by You relating to the Product or its use. If a

Claim for service has not been completed within sixty (60) days

after proof of loss has been filed, the Claim can be submitted

to Arch Insurance Company located at 2345 Grand Boulevard,

Suite 900, Kansas City, Missouri 64108, 1 [(800)-821-5546].

NORTH CAROLINA only: The purchase of this Agreement is not

required in order to obtain financing. We may not cancel this

Agreement except for nonpayment by You or for violation of

any of the terms and conditions of the Agreement. If You

cancel this Agreement, You will receive a pro-rata refund, less

the cost of any Claims paid and less a cancellation fee of ten

percent (10%) of the amount of the refund. To arrange for

cancellation of this Agreement, please contact Your Retailer.

OKLAHOMA only: Obligations of the provider under this

Agreement are insured under a service contract

reimbursement insurance policy. The Provider/Obligor under

this Agreement is First Shield Consumer Service Corporation

(License # 510067482). In the event You cancel this

Agreement, You shall receive a refund equal to ninety percent

(90%) of the unearned pro-rata purchase price less the cost of

any service received. To arrange for cancellation of this

Agreement, please contact Your Retailer. In the event We

cancel this Agreement, You shall receive a refund equal to one

hundred percent (100%) of the unearned pro-rata purchase

price, less the cost of any service received. This is not an

insurance contract. Coverage afforded under this Agreement

is not guaranteed by the Oklahoma Insurance Guaranty

Association.

If You are a resident of Oklahoma, the following shall replace

all references to Arbitration in these Terms and Conditions:

Arbitration is not mandatory and has to be by mutual

agreement.

OREGON only: If You are a resident of Oregon, the following

shall replace all references to Arbitration in these Terms and

Conditions: Arbitration is not mandatory and has to be by

mutual agreement.

SOUTH CAROLINA only: In order to prevent damage to the

Product, please refer to the owner’s manual. This Agreement

does not cover repair and replacement necessitated by loss or

damage resulting from 1) any cause other than normal use and

operation of the Product in accordance with manufacturer’s

specifications and/or owner’s manual or 2) failure to use

reasonable means to protect Your Product from further

damage after a failure occurs. To arrange for cancellation of

this Agreement, please contact Your Retailer. We will pay a

penalty of ten percent (10%) per month on a refund that is not

made within forty- five (45) days of return of the Agreement.

These provisions apply only to the original purchaser of the

Agreement. In the event We cancel the Agreement, We will

mail a written notice to You at Your last known address at least

fifteen (15) days prior to cancellation with the reason for

cancellation. The written notice is not required if the reason

for cancellation is nonpayment of the Agreement fee, a

material misrepresentation, or a substantial breach of duties

by You relating to the covered Product or its use. 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 by phone at (800) 768-3467

TEXAS only: If You cancel this Agreement within 30 days after

the date of purchase We shall refund the full purchase price

You paid for this Agreement less any Claims paid. To arrange

for cancellation of this Agreement, please contact Your

Retailer. We will pay a penalty of ten (10) percent of the

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

amount outstanding per month on a refund that is not made

within forty-five (45) days. These provisions apply only to the

original purchaser of the Agreement. In the event We cancel

the Agreement, We will mail a written notice to You at Your

last known address at least five (5) days prior to cancellation

which shall state the effective date of cancellation and the

reason for cancellation. However, prior notice is not required

if the reason for cancellation is nonpayment of the Agreement

fee, a material misrepresentation by You relating to the

covered Product or its use, or a substantial breach of Your

duties relating to the covered Product or its use. Obligations of

the Provider under the Agreement are insured under a service

contract reimbursement policy. Obligations of the provider

under this service contract are insured under a service contract

reimbursement insurance policy. In the event We do not pay

out a Claim, You may apply for reimbursement directly to the

insurer if a covered Claim is not provided to You by the Us

before the 61st day after the date the You provide a proof of

loss. Texas License Number of the Administrator: 300

UTAH only: The language in the CANCELLATION section

regarding Our rights to cancel this Agreement is deleted and

replaced with: We may cancel this Agreement by providing

You with thirty (30) days written notice for the following

reasons only: material misrepresentation, substantial change

in the risk assumed or substantial breaches of contractual

duties. We may cancel this Agreement by providing You with

ten (10) days written notice, if the reason for cancellation is

non-payment by You. The following sentence is added as the

last sentence of the WHAT TO DO IF YOU REQUIRE SERVICE

section: If it is an emergency situation and We cannot be

reached, You can proceed with repairs. We will reimburse You

or the repairing facility in accordance with the Agreement

provisions. All references to the denial of coverage or

exclusion from coverage for pre-existing conditions shall not

apply in cases where such conditions were known, or should

reasonably have been known, by Us or the Retailer. The

following sentences are added to the end of the DISPUTE

RESOLUTION section: 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 or other recognized arbitrator), 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. Obligations of the provider under this

service contract are guaranteed under a service contract

reimbursement insurance policy. Should the provider fail to

pay or provide service on any Claim within 60 days after proof

of loss has been filed, the contract holder is entitled to make a

claim directly against the Insurance Company. Coverage

afforded under this Agreement is not guaranteed by the

Property and Casualty Guaranty Association. This Service

Agreement or warranty is subject to limited regulation by the

Utah Insurance Department. To file a complaint, contact the

Utah Insurance Department. Coverage afforded under this

contract is not guaranteed by the Property and Casualty

Guaranty Association.

VERMONT only: To arrange for cancellation of this Agreement,

please contact Your Retailer. Our obligations under this

Agreement are supported by a contractual liability insurance

policy issued by Arch Insurance Company. In the event that We

are unable to perform under the Agreement, Arch Insurance

Company, which shall pay on Our behalf any sums We are

legally obligated to pay and shall provide the service, which We

are legally obligated to perform according to Our contractual

obligations under the Agreement.

VIRGINIA only: If any promise made in the Agreement has

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

request, you may contact the Virginia Department of

Agriculture and Consumer Services, Office of Charitable and

Regulatory Programs at www.vdacs.virginia.gov/food-

extended-service-contract-providers.shtml to file a complaint.

You are hereby notified that the purchase of the contract is not

mandatory and may be waived.

WASHINGTON only: You may return this Agreement within

twenty (20) days of the date the Agreement was provided to

You or within ten (10) days, if the Agreement was delivered to

You at the time of sale. We will pay a penalty of ten percent

(10%) per month on a refund that is not made within thirty (30)

days of return of the Agreement. The “Guarantee” provision of

these Terms and Conditions as set forth above is deleted in its

entirety and replaced with the following: This is not an

insurance policy. Obligations of the service contract provider

PROTECTION AGREEMENT TERMS AND CONDITIONS

PA BMUS MACE Plus – 8.2023

under this service contract are insured under a service contract

reimbursement insurance policy The provider is First Shield

Consumer Service Corporation, located at 2345 Grand

Boulevard, Suite 900, Kansas City, Missouri 64108. You may

contact them toll-free at [877-861-2176].

WISCONSIN only: THIS CONTRACT IS SUBJECT TO LIMITED

REGULATION BY THE OFFICE OF THE COMMISSIONER OF

INSURANCE. Arbitration: If You are a resident of Wisconsin, the

following shall replace all references to Arbitration in these

Terms and Conditions: Arbitration is not mandatory and has

to be by mutual agreement. If a Claim for service has not been

completed within sixty (60) days after proof of loss has been

filed with Us, or if the Provider becomes insolvent or otherwise

financially impaired, the Claim can be submitted to Arch

Insurance Company, who insures Our obligations under this

Agreement, located at 2345 Grand Boulevard, Suite 900,

Kansas City, Missouri 64108, [(800)-821-5546. To arrange for

cancellation of this Agreement, please contact Your Retailer.

We will pay a penalty of ten (10) percent per month on a

refund that is not paid or credited within forty-five (45) days

after return of the Agreement to Us. We may be cancel this

Contract for the following reasons only: (a) for nonpayment of

the provider fee, (b) material misrepresentation by You to Us

or the administrator, or (c) substantial breach of duties by You

relating to the covered product or its use. If We cancel the

Contract for any those reasons we will deliver to You, at Your

last-known address in Our records, written notice stating the

effective date of and the reason for the cancellation at least 5

days prior to effective date of cancellation. These provisions

apply only to the original purchaser of the Agreement. In the

event that You experience a total loss of the Product covered

by this Agreement that is not covered by a replacement of the

Product pursuant to the terms of the Agreement, You shall be

entitled to cancel this Agreement and receive a pro rata refund

of any unearned Agreement fee, less any Claims paid. Lack of

pre-authorization shall not be the sole grounds for a Claim

denial; however, unauthorized repairs may not be covered if

evaluated to have been at an unreasonable expense.

Obligations of the provider under this service contract are

insured under a service contract reimbursement insurance

policy.

WYOMING only: To arrange for cancellation of this

Agreement, please contact Your Retailer. We will pay a penalty

of ten (10) percent on a refund that is not paid or credited

within forty-five (45) days after return of the Agreement to Us.

These provisions apply only to the original purchaser of the

Agreement. In the event We cancel this Agreement, We will

mail a written notice to You at Your last known address at least

ten (10) days prior to cancellation, which shall state the

effective date of cancellation and the reason for cancellation.

However, prior notice is not required, if the reason for

cancellation is nonpayment of the Agreement fee, a material

misrepresentation by You relating to the covered Product or

its use, or a substantial breach of Your duties relating to the

covered Product or its use. Obligations under this Agreement

are insured by Arch Insurance Company located at 2345 Grand

Boulevard, Suite 900, Kansas City, Missouri 64108. In the event

covered service is not provided by Us within sixty (60) days of

You submitting proof, You are entitled to apply directly to the

reimbursement insurance company.