SEVERABILITY: If any provision or provisions of this Agreement shall be held to be invalid, illegal, unenforceable or in conflict with the law of any jurisdiction, that provision or provisions shall be stricken and the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

ILLINOIS: 215 ILCS 152/35 Cancellation and refunds. No service contract may be issued, sold, or offered for sale in this State unless the service contract clearly states that the service contract holder is allowed to cancel the service contract. If the service contract holder elects cancellation, the service contract provider may retain a cancellation fee not to exceed the lesser of 10% of the service contract price or $50. The service contract cancellation provision must provide that the service contract may be cancelled: (1) within 30 days after its purchase if no service has been provided and that a full refund of the service contract consideration, less any cancellation fee stated in the service contract will be paid to the service contract holder; or (2) at any other time and a pro rata refund of the service contract consideration for the unexpired term of the service contract, based on the number of elapsed months, miles, hours, or such other reasonably applicable measure which is clearly disclosed in the service contract, less the value of any service received, and any cancellation fee stated in the service contract will be paid to the service contract holder. The Obligor, The Penn Warranty Corporation, is the party responsible for honoring cancellation requests. The selling dealer however, can handle a customer’s request for cancellation on behalf of the Obligor. KENTUCKY: Consumer Notice: Under the Kentucky Revised Statutes, if this agreement is made within the Commonwealth of Kentucky by a Kentucky resident, THE PENN WARRANTY CORPORATION is the administrator acting on behalf of the maker and the Dealer or Manufacturer or Distributor or the Importer of the Motor Vehicle, covered by this agreement is the maker. This agreement is incidental to the makers selling or leasing of motor vehicles, which is the makers primary business. Accordingly this agreement shall not be deemed insurance. However, if the maker separately insures this agreement, than the maker is required to disclose, at the time of purchase, the full information of the insurer. That information, should it apply, is provided on the insurance information disclosure page and will be attached to this document by the maker. Kentucky law requires that the mechanical repair coverage, afforded under this agreement, is limited to coverage for defects in materials and workmanship. The policy of the administrator is: Should a component covered by this agreement exhibit premature wear out, and it has been properly maintained, than it is proven that the component is defective in materials and/or workmanship and coverage is afforded under this agreement. NEW HAMPSHIRE: TITLE XXXVII CHAPTER 415-C:6(h) For questions regarding your service contract you should contact our Customer Service Department at (800) 356-9441 during regular business hours Monday thru Friday 9:00 A.M. to 5:00 P.M. EST or anytime by e-mail to OPERATIONS@PENNWARRANTY.COM. To file a formal complaint under your contract call (800) 575-2749. In the event you do not receive satisfaction under this contract, you may contact the New Hampshire insurance department at (603) 271-2261 or in writing at the State of New Hampshire Insurance Department, 21 South Fruit Street, Suite 14, Concord, NH 03301. NEW YORK: ISC Article 79 § 7903(e) Service contracts shall require every provider to permit the service contract holder to return the contract within at least twenty days of the date of mailing of the service contract or within at least ten days if the service contract is delivered at the time of the sale or within a longer time period permitted under the contract. If no claim has been made under the contract, the contract shall be void and the provider shall refund to the contract holder the full purchase price of the contract. A ten percent penalty per month shall be added to a refund that is not made within thirty days of return of the contract to the provider. The provisions of this subsection only apply to the original purchaser of the service contract. ISC Article 79 § 7905(n) Service contracts shall contain a statement of the service contract holder's right to return the contract within at least twenty days of the date of mailing of the service contract or within at least ten days if the service contract is delivered at the time of the sale or within a longer time period permitted under the contract. If no claim has been made under the contract, the contract shall be void and the provider shall refund to the contract holder the full purchase price of the contract. The service contract shall also contain a statement that a ten percent penalty per month shall be added to a refund that is not made within thirty days of return of the contract to the provider. No refunds or credits are available after the return period as provided for in 7903(e) and 7905(n). OKLAHOMA: §36-6628 "This service warranty is not issued by the manufacturer or wholesale company marketing the product. This warranty will not be honored by such manufacturer or wholesale company." §36-6614(C) Cancellation provision. In the event the contract is canceled by the warranty holder, return of premium shall be based upon ninety percent (90%) of the unearned pro rata premium. In the event the contract is canceled by the association, return of premium shall be based upon one hundred percent (100%) of unearned pro rata premium. SOUTH CAROLINA: SECTION 38-78-30(F) Service contracts shall require the provider to permit the service contract holder to return the service contract within twenty days of the date the service contract was mailed to the service contract holder or within ten days of delivery if the service contract is delivered to the service contract holder at the time of sale or within a longer time period permitted under the service contract. Upon return of the service contract to the provider within the applicable time period, if no claim has been made under the service contract prior to its return to the provider, the service contract is void and the provider shall refund to the service contract holder, or credit the account of the service contract holder, with the full purchase price of the service contract. The right to void the service contract provided in this subsection is not transferable and shall apply only to the original service contract purchaser and only if no claim has been made prior to its return to the provider. A ten percent penalty per month shall be added to a refund that is not paid or credited within forty-five days after return of the service contract to the provider. INSURANCE DEPARTMENT DISCLOSURE For questions regarding your service contract you should contact our Customer Service Department at (800) 356-9441 during regular business hours Monday thru Friday 9:00 A.M. to 5:00 P.M. EST or anytime by e-mail to OPERATIONS@PENNWARRANTY.COM. To file a formal complaint under your contract call (800) 575-2749. In the event you do not receive satisfaction under this contract, you may contact the South Carolina Department of Insurance Consumer Services Office at 803-737-6180 or in writing at South Carolina Department of Insurance P.O. Box 100105, Columbia, SC 29202-3105 TEXAS: Texas Occupations Code Title 8 § 1304.157 Returning a Service Contract. The provider is required to allow the service contract holder to return the contract to the provider not later than: (1) the 20th day after the date the contract is mailed to the service contract holder; or (2) the 10th day after the date of delivery, if the contract is delivered to the service contract holder at the time of sale. TEXAS DEPARTMENT OF LICENSING AND REGULATION DISCLOSURE: 16 Texas Administrative Code 77.70 Should you feel that a concern is not being dealt with fairly or you have questions in general regarding the regulation of service contract providers, you may contact the Texas Department of Licensing and Regulation at 1-800-803-9202, or in writing at: Texas Department of Licensing and Regulation, P.O. Box 12157, Austin, TX 78711 VERMONT: 8 V.S.A. § 4253(2)(c) No service contract sold or offered for sale to a consumer in this state shall fail to contain the authorization of the original service contract holder to return the contract within 20 days of receipt of the contract if no claim has been made under the contract and obtain a refund of the full purchase price of the contract. Each provider shall provide or mail a copy of the service contract to the customer within 14 days of the date of sale, unless the provider makes a copy of the service contract terms and conditions available to the consumer at the point of sale, in which event the provider must provide or mail the service contract to the customer within a reasonable period of time.

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