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Important changes to
your device protection plan

September 17, 2018


Account Number 945166968

AWSFF405GVFL

Dear Lakshmi,
We’re making some changes to simplify our device protection programs. We’ll now provide a single enhanced program for all our
premium device protection T-Mobile® customers.
Introducing T-Mobile Protection<360>.
Here’s a summary of the enhancements and changes to your current plan, which will take effect on or after Aug. 26, 2018:*
• We are increasing the claim limit for accidental damage, loss and theft to three claims in a rolling 12-month period. The claim limit for
hardware service/mechanical breakdown remains unlimited.
• We are including a screen protector benefit! After your coverage Effective Date,* if you purchase a screen protector from T-Mobile
during a qualifying event (new device purchase or upgrade), we will replace it in-store for a $0 service fee/deductible if it ever breaks.
• The structure of the program is changing. This means that the tier your device is placed in, your monthly charge for the plan, your
unrecovered equipment fee and your service fees/deductibles may change. Check out the enclosed Deductible and Fee
Schedule to find your device’s applicable tier, associated plan cost, unrecovered equipment fee and program service
fees/deductibles.
Protection<360> also includes the exciting features listed below. If these features are already included in your current plan, the addition
of these features does not affect you — you can continue to enjoy them!
• JUMP! ® Upgrades if you financed your covered device through an equipment installment plan
• AppleCare Services whenever you enroll with an eligible Apple® device
• Tech PHD by Assurant®: the app that lets you file claims, view plan and deductible information, find useful tips tailored to your
specific device, and access live support for all your connected devices
Enclosed with this letter are your new coverage documents. Please review these documents for coverage details, including plan
limitations and exclusions. You can visit my.tmobile.com or download the Tech PHD by Assurant app to review your plan information.
Coverage is optional. If you ever decide you don't want device protection, just give us a call.
If you have questions or would like to learn about other available plans after Aug. 26, 2018, contact T-Mobile at 1-800-937-8997 and a
representative will be happy to assist you.

Sincerely,
Assurant and T-Mobile

* Your plan changes will take effect between Aug. 26, 2018, and Nov. 30, 2018. The effective date of this change will be shown on a T-Mobile billing statement during
this period. You may also call 1-800-937-8997 on or after Aug. 26, 2018, to determine the status of your plan changes.
Program provided by the companies identified in the enclosed forms. These companies operate under the trade name Assurant.

This notification applies to all mobile numbers listed in this letter:


786-212-5775, 270-227-5785

CL02929A-0618
© 2018 Assurant, Inc.
38094001
T-Mobile® Deductible
and Fee Schedule

The fees and deductibles shown below will take effect between Aug. 26, 2018, and Nov. 30, 2018. The effective date of this change will be shown on
a T-Mobile billing statement during this period.

Protection<360>
Summary of Program Fees

Device Tier* 1 2 3 4 5
(based on device retail pricing) (up to $150) ($150 - $350) ($351 - $600) ($601 - $800) ($801 - $1,200)

Monthly Charge per Device $7 $9 $12 $14 $15

Service Fees/Deductibles per Approved Claim by Incident Type**


Hardware Service (mechanical breakdown) †
$0 $0 $0 $0 $0

Accidental Damage

Accidental Damage $10 $49 $99 $99 $99

$99 iPhone $99 iPhone $99 iPhone


Accidental Damage
- - $49 iPad $49 iPad $49 iPad
AppleCare Services
$69 Apple Watch $69 Apple Watch $69 Apple Watch

iPhone Screen Repair ††


- - $29 $29 $29
AppleCare Services

Loss/Theft

$10 $49 $99 $149 $249

* When you receive a replacement device in advance after an approved claim, you'll need to return your damaged/malfunctioning device to avoid
being charged an Unrecovered Equipment Fee (non-return fee) up to the maximum value of your device tier's retail pricing (up to $150
for Tier 1; $350 for Tier 2; $600 for Tier 3; $800 for Tier 4; and $1,200 for Tier 5).
** Claim limits apply. Refer to coverage documents for details.

There is a $5 Processing Fee collected by T-Mobile when devices are exchanged through T-Mobile.
††
Applies to the first two screen damage claims when service is provided at Apple Stores, Apple Authorized Service Providers or through Apple’s mail-in and repair service; for all other accidental damage
claims, and once you have used your maximum two accidental damage claims through AppleCare Services, the service fee is $99.

Refer to the next page to find your device make and model,
and which device tier applies.
Please note: If you switch your device to one that is classified in another tier, and as device depreciation adjustments are made, the monthly charge for your new tier will be reflected on your T-Mobile bill.
T-Mobile is a registered trademark of Deutsche Telekom AG. All marks associated with the devices listed herein are the property of their respective owners.

CL02930A-0618
© 2018 Assurant, Inc.
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T-Mobile® Deductible
and Fee Schedule

Alcatel Tier BlackBerry Tier Huawei Tier

665 9810, 9900 Comet


768 Q10 3 Prism, Prism II
A30 Z10 Sonic 4G
1
Evolve Summit
Fierce XL Priv 4 Tap
Fierce, Fierce 2 webConnect
GO FLIP 1
Coolpad Tier
LINKZONE myTouch 2
Pixi 7 Catalyst
POP 7 Defiant 1 S7 PRO 3
POP Astro Rogue
REVVL
Soul REVVL Plus 2 Kyocera Tier

3 Hydro WAVE
IDOL 4S 1
Dell Tier Rally
Apple Tier Streak 7 2 DuraForce PRO, DuraForceXD 3
iPad
iPad Air 2 Ericsson Tier LG Tier
iPad Mini, iPad Mini 2, iPad Mini 4
iPhone 4, iPhone 4s World 1 450
iPhone 5, iPhone 5c, iPhone 5s 3 Aristo
iPhone 6s dLite
iPhone 7 32GB GARMIN Tier GS170
iPhone SE Garminfone 3 K7, K10 1
Watch Nike + Series 3 K20 Plus
Leon
iPad Air GEOTAB Tier Optimus L90
iPad Mini 3 Sentio
iPad Pro 9.7 SyncUP FLEET 1
iPhone 6 4 DoublePlay
iPhone 6s Plus G Pad F 8.0, G Pad X2 8.0
iPhone 7 128GB HTC Tier G Pad X 8.0
iPhone 7 Plus G Stylo
Desire 1
G2
iPad Pro Amaze 4G G2x 2
iPhone 6 Plus Dash 3G Lion
5
iPhone 8, iPhone 8 Plus G2 myTouch
iPhone X HD2, HD7 Optimus F3, F3Q, F6, L9, T
life Stylo 2 PLUS, Stylo 3 PLUS
myTouch 3G 1.2, myTouch 3G slide V20
ASUS Tier 2
myTouch 4G
Google Nexus 7 2 One M9 G3, G5, G6
One S G-Slate
3
Radar 4G Nexus 4, Nexus 5
BlackBerry Tier
Shadow P Plus
7100T, 7105T Wildfire S
7230, 7290 G Flex
Flyer 4
8120, 8520 V30
2 myTouch
9780 Bold
Classic myTouch 4G Slide V30+ 5
3
Curve One
Sensation 4G
9700 Bold 3 Windows Phone 8X

Please note: If you switch your device to one that is classified in another tier, the monthly charge for your new tier will be reflected on your T-Mobile bill.
T-Mobile is a registered trademark of Deutsche Telekom AG. All marks associated with the devices listed herein are the property of their respective owners.

CL02930A-0618
© 2018 Assurant, Inc.

38094003
T-Mobile® Deductible
and Fee Schedule

Microsoft Tier Samsung Tier ZTE Tier

Lumia 435, Lumia 640 1 Galaxy Exhibit 4G Avid Plus, Avid Trio
Galaxy J7 Prime Cymbal
Galaxy S Blaze 4G Falcon
Motorola Tier Galaxy S Relay 4G Raleigh
Galaxy S, Galaxy S II Rocket 3.0, Rocket 4G
ACTV
Galaxy S3 Sonic 2.0 1
CHARM
Galaxy S4 SyncUp DRIVE
E4 1
Galaxy S5 Tempest
Renew 2
Galaxy Tab 3 T-Mobile 4G Mobile Hotspot
W490
Galaxy Tab 4 Zinger
CLIQ, CLIQ 2, CLIQ XT Galaxy Tab A ZMAX PRO
2 Galaxy Tab E
DEFY
Gear S, Gear S2 Quartz
2
Nexus 6 Highlight ZMAX
4
Z2 Force J727T Prime POP
Sidekick 4G Spro 2 3

Nokia Tier
Behold II
2330, 2610, 2720 Galaxy Note 3, Galaxy Note 4
3711 Galaxy Note Edge
5130, 5190, 5610 Galaxy Note, Galaxy Note II
6030, 6301 Galaxy S III
7510 1 Galaxy S6
Astound Galaxy S7
Lumia 521, Lumia 530, Lumia 635 3
Galaxy Tab 7.0 Plus
Nuron Galaxy Tab S, Galaxy Tab S2
X2 Galaxy Tab, Galaxy Tab 10.1
Gear S2 Classic
8290 Gear S3
E73 2 T779
Lumia 710, Lumia 925 Vibrant

Lumia 810 3 Galaxy Note 5


Galaxy S6 Edge, Galaxy S6 Edge+
Samsung Tier Galaxy S7 Edge
Galaxy S8 Active 4
Comeback Galaxy S8, Galaxy S8+
Dart Galaxy S9, Galaxy S9+
Galaxy Core Prime Galaxy Tab
Galaxy Exhibit
Galaxy Grand Prime Galaxy Note 8 5
Galaxy Light
Galaxy On5
Gravity Q Sony Tier
Gravity Smart, TXT, 2, 3, 3T Orion
1
J327T Prime POP Xperia Z 3
N105 Z1s
R225
T139, T159
T239, T249, T259 Sony Ericsson Tier
T339, T359
Equinox 1
T429
T659
V100T WondaLink Inc. Tier

Galaxy Avant 2 LineLink 1

Please note: If you switch your device to one that is classified in another tier, the monthly charge for your new tier will be reflected on your T-Mobile bill.
T-Mobile is a registered trademark of Deutsche Telekom AG. All marks associated with the devices listed herein are the property of their respective owners.

CL02930A-0618
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DEVICE PROTECTION
TERMS AND CONDITIONS
This Service Contract is not a contract of insurance. Service Contract means this Service Contract in which
Unless otherwise regulated under state law, the contents You enrolled Your Covered Device identified on Your
of this Service Contract should be interpreted and Service Contract enrollment / coverage confirmation.
understood within the meaning of a “service contract” in
Public Law #93-637. Service Contract Term means the coverage timeframe
from when Your coverage under this Service Contract
This Service Contract is issued to You and conforms with begins to when Your coverage ends.
the terms and conditions below. It includes these Terms
and Conditions, any state specific disclosures, any other You/Your means the owner or lessee of the Covered
applicable disclosures, as well as Your Service Contract Device under this Service Contract.
enrollment / coverage confirmation and Covered Device
purchase receipts. This Service Contract must be We / Our / Us means the Service Contract Provider or its
available for inspection when You require service. Administrator (including any contracted third party
providers).
THIS SERVICE CONTRACT TERM INCLUDES THE
MANUFACTURER’S WARRANTY. SERVICES PROVIDED UNDER THIS SERVICE
CONTRACT
DEFINITIONS
1. Service Provision.
Administrator means the entity responsible for
managing the benefits and services outlined in this We may subcontract or assign delivery for elements of
Service Contract. The Service Contract Administrator is Our obligations under this Service Contract to third
The Signal in all states, except in Oklahoma where the parties, including the OEM; however, this does not relieve
Service Contract Administrator is The Signal, L.P. The Us of Our obligations under this Service Contract.
address and phone number of each Service Contract Authorized third party providers may collect the needed
Administrator is 676 E. Swedesford Road, Suite 300, information from You to setup Your service and to fulfill
Wayne, PA 19087, 1-877-881-8578. the obligations on Our behalf.

OEM means the entity that manufactured Your Covered 2. When Coverage Begins and Ends.
Device.
Coverage under this Service Contract begins when You
Covered Device means Your enrolled device including purchase Your new Covered Device and enroll in the
the eligible screen protector that You purchased from the Service Contract as identified as the Coverage Start Date
Seller when You enrolled in this Service Contract and its on Your Service Contract enrollment / coverage
accompanying accessories contained in their original confirmation.
packaging or any certified replacement devices provided
by Your OEM, or Us as well as any upgrade device The Service Contract Term is continuous month to month
purchased or leased by You and registered with (and until cancelled by either You or Us.
approved by) Us as an eligible Covered Device.
3. What is Covered?
Price means the consideration paid by You for this
Service Contract. 3.1 Hardware Service. If during the Service Contract
Term, You submit a valid claim on the Covered Device to
Provider means the entity that is contractually obligated notify Us that (i) a defect in materials and workmanship
to You under the terms of this Service Contract. The has arisen, or (ii) the capacity of the battery to hold an
Service Contract Provider is Federal Warranty Service electrical charge is less than eighty percent (80%) of its
Corporation in all states except in California where the original specifications, We will arrange a service event to
Provider is Sureway, Inc.; in Florida where the Service either:
Contract Provider is United Service Protection, Inc., and (i) repair the defect, using new or refurbished parts that
in Oklahoma where the Service Contract Provider is are equivalent to new in performance and reliability,
Assurant Service Protection, Inc. The address and phone or
number of each Service Contract Provider is P.O. Box (ii) exchange the Covered Device, with a replacement
105689, Atlanta, GA 30348-5689, 1-877-881-8578. that is new or equivalent to new in performance and
reliability.
Seller is T-Mobile, USA, Inc., 12920 SE 38th Street,
Bellevue, WA 98006, the entity that sold the Service All replacements provided under this Service Contract
Contract to You. will, at a minimum, be functionally equivalent to the

COPP0001S-0416 Page 1 of 5 COPP0001S-0416 TMONACP

38094005
original Covered Device. If We exchange the Covered (ii) Operating system (“OS”) and software applications
Device, the original becomes Our property and the that are pre-installed on the Covered Device
replacement becomes Your property, with coverage for (“Consumer Software”),
the replacement device effective for the remaining portion (iii) Connectivity issues between the Covered Device and
of the Service Contract Term. a Supported Computer. A “Supported Computer”
means a computer that meets the Covered Device’s
There is no service fee for Hardware Service repairs or connectivity specifications and runs an operating
replacements. system supported by the Covered Device.

3.2 Accidental Damage from Handling. If during the 4. What is not Covered?
Service Contract Term, You submit a valid claim on the
Covered Device to notify Us of a failure due to accidental 4.1 Hardware Service and ADH Coverage Area.
damage from handling (“ADH”), We will, subject to the Hardware service and ADH coverage is/are limited to the
service fee described below, either country where You originally purchased the new Covered
(i) repair the defect using new or refurbished parts that Device from the Seller.
are equivalent to new in performance and reliability,
or 4.2 Hardware Coverage and ADH Coverage.
(ii) exchange the Covered Device with a replacement (i) The Service Contract does not apply to setup,
product that is new or equivalent to new in installation, removal or disposal of the Covered
performance and reliability. Device, or provision of equipment while the Covered
Device is being serviced.
ADH coverage only applies to an operational or
mechanical failure caused by an accident from handling (ii) The Service Contract does not apply to damage
that is the result of an unexpected and unintentional caused by (a) a product that is not the Covered
external event (for example, drops and damage caused Device, (b) abuse, misuse, fire, earthquake or other
by liquid contact other than as a result of defect in material external causes except as described in section 3.2
or workmanship) that arises from Your normal daily usage above, (c) operating the Covered Device outside the
of the Covered Device as intended. permitted or intended uses described by the
manufacturer, (d) consequential damage or (e)
We may ask You to provide an explanation of where and service performed by anyone not authorized by Us.
when the accident occurred with a detailed description of
the actual event. We will deny the claim if You fail to pay (iii) The Service Contract does not apply to a product with
the service fee or fail to provide information relating to the a serial number that has been altered, defaced or
accident when asked. removed, or has been modified to alter its
functionality or capability without the written
You will be assessed a non-refundable service fee each permission of the manufacturer.
time an ADH repair or replacement is completed.
(iv) The Service Contract does not apply to a Covered
Service Fee Schedule: Device that has been lost or stolen or intentionally
Device damaged, damage due to acts of God or
environmental exposure. This Service Contract only
ADH Service Fee $10/$49/$99/$99/$99 applies to a Covered Device returned to Us, in its
per claim depending on model entirety.

3.3 Technical Support. During the Service Contract Term, (v) This Service Contract does not apply to a Covered
We will provide You with access to telephone and Device that has damage caused by reckless, abusive,
web-based technical support resources. Technical willful or intentional conduct associated with handling
support may include assistance with installation, launch, and use of the Covered Device.
configuration, troubleshooting, and recovery (except for
data recovery), including storing, retrieving, and (vi) The Service Contract does not apply to cosmetic
managing files; interpreting system error messages; and damage to the Covered Device, including but not
determining when hardware service is required or ADH limited to scratches and dents that do not otherwise
coverage may be applicable. We will provide support for affect the functionality of the Covered Device.
the then-current version of software released by the
device manufacturer. At our discretion, we may provide (vii) The Service Contract does not apply to preventative
support for prior versions of software. or required maintenance on the Covered Device.

3.4 Scope of Technical Support. Under the Service (viii)The Service Contract does not apply to defects
Contract, We will provide technical support for the caused by normal wear and tear or which is otherwise
following: due to normal aging of the product.
(i) The Covered Device,
COPP0001S-0416 Page 2 of 5 COPP0001S-0416 TMONACP
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(ix) The Service Contract does not apply to a pre-existing 6. Service Options.
condition on any Covered Device or defects that are
subject to a manufacturer’s recall, and 6.1 Repairs will be performed at an authorized repair
center determined by Us. Service will be available and
(x) This Service Contract does not apply to any other act rendered during the regular working hours and work week
or result not covered by the Service Contract, as of the repair centers. Following Our diagnosis and claim
described herein. approval, We will, at Our option, setup one of the following
service events:
Important: Do not open the Covered Device, as
damage caused as a result of opening the equipment (i) Carry-in service. Carry-in service is available for most
is not covered by this Service Contract. Only We, the Covered Devices. Deliver the Covered Device to the
OEM, or an authorized servicer approved by Us agreed to authorized servicer provider. Service will be
should perform service on the Covered Device. performed for You at that location, or the technician
may send the Covered Device to a service center for
4.3 Technical Support. repair. Once notified that service is complete, You will
(i) The Service Contract does not include Technical promptly retrieve the Covered Device.
Support for Your use of the OS and Consumer
Software as server-based applications. (ii) Mail-in service. Direct mail-in service is available for
most Covered Devices. If We determine that your
(ii) The Service Contract does not include Technical Covered Device is eligible for mail-in service, We will
Support for issues that could be resolved by send You a prepaid shipping label (and, if needed,
upgrading software to the then current version. packaging material) for You to ship the Covered
Device to an authorized repair center according to the
(iii) The Service Contract does not include Technical instructions provided by Us. Once service is
Support for third-party products or their effects on or complete, We will return the Covered Device to You.
interactions with the Covered Device, the OS, or We will pay for shipping to and from Your location if
Consumer Software. You follow all instructions.

(iv) The Service Contract does not include Technical (iii) Express Replacement Service (“ERS”) or
Support for your use of a computer or operating do-it-yourself (“DIY”) parts service. ERS is available
system that is not related to Consumer Software or to for certain Covered Devices. DIY parts service is
connectivity issues with the Covered Device. available for many Covered Device parts or
accessories, to allow You to service Your own
(v) The Service Contract does not include Technical Covered Device. If ERS or DIY parts service is
Support for software other than the OS or Consumer available, the following process will apply.
Software, as covered under the Service Contract.
(a) Service where We require return of the replaced
(vi) The Service Contract does not include Technical Covered Device or part. We may require a credit
Support for OS software or any OEM-branded card authorization or other method to serve as
software designated as “beta”, “prerelease,” or security for the retail price of the replacement
“preview” or similarly labeled software, and Covered Device or part and applicable shipping
costs. We will ship a replacement device or part
(vii) The Service Contract does not include Technical to You with installation instructions, if applicable,
Support for damage to, or loss of any software or data and any requirements for the return of the
that was residing or recorded on the Covered Device. replaced Covered Device or part. If You follow the
The Service Contract does not cover the recovery or instructions, the credit card authorization will be
reinstallation of software programs and user data. cancelled, so You will not be charged for the
replacement Covered Device or part and the
5. How to Obtain Service and Support? shipping to and from Your location. If You fail to
return the replaced device or part as instructed or
All claimed events must be reported to Us as soon as return a replaced device or part that is ineligible
reasonably possible. You may obtain hardware services, for service, We will charge the credit card for the
ADH coverage and technical support through the authorized amount. If You are not able to provide
following means. credit card authorization, this service may not be
available to You and We will offer an alternative
To arrange for service, contact Us at 1-866-866-6285 service option.
or visit Us at www.myTMO.claim.com.

COPP0001S-0416 Page 3 of 5 COPP0001S-0416 TMONACP

38094007
(b) Service where We do not require the return of the (vi) You will make sure to back up all software and data
original Covered Device or part. We will ship You residing on the Covered Device. DURING
free of charge a replacement Covered Device or HARDWARE SERVICE, WE OR OUR THIRD
part accompanied by instructions for installation, PARTY PROVIDERS WILL DELETE THE
if applicable, and any requirements for the CONTENTS OF THE COVERED DEVICE AND
disposal of the replaced Covered Device or part. REFORMAT THE STORAGE MEDIA. We will return
Your Covered Device or provide a similar
Neither We nor Our third party providers are responsible replacement to Your Covered Device as originally
for any labor costs You incur in respect to ERS or DIY configured, subject to applicable updates. We may
parts service. Should You require further assistance, You install OS updates as part of hardware service that
should contact Us, at the telephone number listed above. will prevent the Covered Device from reverting to an
earlier version of the OS. Third party applications
6.2 We reserve the right to change the method by which installed on the Covered Device may not be
We may provide repair or replacement service to You, compatible or work with the Covered Device as a
and Your Covered Device’s eligibility to receive a result of the OS update. You will be responsible for
particular method of service. Service will be limited to the reinstalling all other software programs, data and
options available from Us in the country where You passwords.
request service. Service options, parts availability and
response times may vary according to country. If service SERVICE CONTRACT GENERAL PROVISIONS
is not available for the Covered Device in a country that is
not the country of purchase, You may be responsible for 1. LIMITS OF LIABILITY:
shipping and handling charges to facilitate service to a
country where service is available. If You seek service in The maximum number of repairs or replacements
a country that is not the country of purchase, You must under Device Protection is three (3) during any rolling
comply with all applicable import and export laws and twelve (12) month period. No further repairs or
regulations and be responsible for all custom duties, replacements will be provided for the remainder of
V.A.T. and other associated taxes and charges. For this period.
international service, We may repair or exchange the
Covered Device or its parts with a comparable device or There are no repairs or replacement limits for
parts that comply with the local standards of the countries hardware service losses during the coverage term.
where you request service.
2. ARBITRATION:
7. Your Responsibilities.
Read the following arbitration provision carefully. It
To receive service or support under the Service Contract, limits certain rights, including Your right to obtain relief
You agree to comply with each of the terms listed below. or damages through court action.

(i) You will provide a copy of Your Service Contract’s To begin Arbitration, either You or We must make a
enrollment / coverage confirmation or Covered written demand to the other party for arbitration. The
Device’s serial number or IMEI, if requested. Arbitration will take place before a single arbitrator. It
will be administered in keeping with the Expedited
(ii) You will provide information about the symptoms and Procedures of the Commercial Arbitration Rules
causes of the issues with the Covered Device. (“Rules”) of the American Arbitration Association
(“AAA”) in effect when the claim is filed. You may get
(iii) You will respond to requests for information, including a copy of these AAA’s Rules by contacting AAA at
but not limited to the Covered Device serial number, 1633 Broadway, 10th Floor, New York, NY 10019,
model, version of the operating system and software calling (800) 778-7879 or visiting www.adr.org. The
installed, any peripherals devices connected or filing fees to begin and carry out arbitration will be
installed on the Covered Device, any error messages shared equally between You and Us. This does not
displayed, the actions which were taken before the prohibit the arbitrator from giving the winning party
Covered Device experienced the issue and the steps their fees and expenses of the arbitration. Unless You
taken to resolve the issue. and We agree, the arbitration will take place in the
county and state where You live. The Federal
(iv) You will follow the instructions We give You, including Arbitration Act, 9 U.S.C. § 1, et seq., will govern and
but not limited to refraining from sending devices and no state, local or other arbitration law will apply. YOU
accessories that are not subject to repair or AGREE AND UNDERSTAND THAT this arbitration
replacement service and packing the Covered Device provision means that You give up Your right to go to
according to the shipping instructions. court on any claim covered by this provision. You also
agree that any arbitration proceeding will only
(v) You will update software to currently published consider Your Claims. Claims by, or on behalf of,
releases prior to seeking service. other individuals will not be arbitrated in any
COPP0001S-0416 Page 4 of 5 COPP0001S-0416 TMONACP
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proceeding that is considering Your Claims. Please If You cancel this Service Contract within the first
refer to the State Disclosures for any added thirty (30) days of the coverage start date, and the
requirements in Your state. In the event this Price has been paid, and no claims have been paid,
Arbitration provision is not approved by the the Service Contract is void and You will receive a full
appropriate state regulatory agency, and/or is refund. In the event this Service Contract is cancelled
stricken, severed, or otherwise deemed after thirty (30) days or within the first thirty (30) days
unenforceable by a court of competent jurisdiction, and You have made a claim, We will refund to You
You and We specifically agree to waive and forever the unearned pro rata Price paid, less any claims paid
give up the right to a trial by jury. Instead, in the event up to the date of cancellation. If this Service Contract
any litigation arises between You and Us, any such was inadvertently sold to You on a product which was
lawsuit will be tried before a judge, and a jury will not not intended to be covered by this Service Contract,
be impaneled or struck. We will cancel this Service Contract and return the full
Price to You. If You cancel, We are not responsible to
3. WHAT YOU MUST DO: provide You with written notice of cancellation.

In order to keep this Service Contract in force during If You cancel or do not renew Your service with the
the coverage term, You must maintain the Covered Seller for any reason, including nonpayment, this
Device according to the service requirements set constitutes cancellation of the Service Contract by
forth by the manufacturer’s specifications, including You, subject to the terms and conditions of this
cleaning and maintenance. It is Your responsibility to Service Contract.
protect the Covered Device from further damage and
comply with the owner’s manual. You must notify Us We may cancel this Service Contract within the first
in writing if Your address changes. sixty (60) days for any reason. After sixty (60) days,
We may only cancel this Service Contract for (1)
4. INELIGIBLE FOR COVERAGE: nonpayment of the Price; (2) fraud or material
misrepresentation; or (3) substantial breach of duties
This Service Contract does not provide any service by You. If We cancel due to fraud, material
for property held in inventory or property held as Your misrepresentation or a substantial breach of duties by
stock in trade. Enrollment in this Service Contract is You, We will provide You with written notice, with the
only available for new eligible devices under cancellation date and the reason for cancellation, at
manufacturer’s warranty or, at Our discretion, Your last known mailing or email address (depending
certified reconditioned devices. Devices either not on Your chosen form of communication) at least thirty
registered with Us or approved for coverage by Us as (30) days before cancellation. We will refund the
outlined under Covered Device or devices not unearned pro-rata Price less any claims paid.
authorized or intended for sale in the United States by
the device manufacturer are ineligible for benefit 6. TRANSFER:
under this Service Contract. Persons who have not
reached the age of majority may not enroll in this This Service Contract is not transferable to another
Service Contract. individual or entity.

5. CANCELLATION: 7. RENEWAL:

You may cancel this Service Contract at any time for This Service Contract renews each month with Your
any reason either by contacting the Seller or Us at payment of the Price unless cancelled either by You
1-866-866-6285. or Us during the Service Contract Term. We reserve
the right to change the provisions of this Service
Contract (including Price and service fee) upon giving
You at least thirty (30) days written notice prior to the
date of renewal.

COPP0001S-0416 Page 5 of 5 COPP0001S-0416 TMONACP

38094009
DEVICE PROTECTION

FLORIDA STATE DISCLOSURE


The following state specific requirements are added to and become part of Your Service Contract and
supersede any other provisions to the contrary:

Under the ARBITRATION provision, the following is added:

While arbitration is mandatory, the outcome of any arbitration shall be non-binding on the parties, and either party shall,
following arbitration, have the right to reject the arbitration award and bring suit in a court of competent jurisdiction. The
arbitration action will take place in the county where You reside.

REGULATION: The rate charged for this Service Contract is not subject to regulation by the Florida Office of Insurance
Regulation.

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American Bankers Insurance Company of Florida


A Stock Insurance Company
Administrative Office: 11222 Quail Roost Drive, Miami, FL 33157-6596  305.253.2244

COMMUNICATION DEVICE PROTECTOR


CERTIFICATE OF INSURANCE
INSURING AGREEMENT 4. any standard accessories included with the original
purchase of the communications device, including the
We agree to provide coverage for your communications device battery, SIM card, and wall charger.
device(s) that are eligible and enrolled for coverage, subject to
the terms and conditions set forth in this Certificate, the Group “Loss” means an occurrence of a Covered Cause of Loss,
Policy (“Policy”), your purchase receipt or your service including but not limited to continuous or repeated exposure to
agreement and any endorsements attached to this Certificate. substantially the same general harmful conditions to the insured
Information about your coverage effective date, term, and product while this Certificate is in force.
insured product is included in your purchase receipt or the
service agreement you entered into with the policyholder or “Mechanical and Electrical Breakdown” mean the failure of
your coverage confirmation. the insured product due to a hardware part malfunction caused
by normal wear and tear when operated according to the
A copy of the Policy under which this Certificate is issued is manufacturer’s instructions. Mechanical and electrical
available for your inspection by contacting us at: breakdown does not include standard accessories provided with
1-866-866-6285. the original insured product purchase.

DEFINITIONS “Mysterious Disappearance” means the disappearance of the


insured product without your knowledge as to place, time or
“Accidental Damage” means an unexpected and unintentional manner of its loss.
external event that results in physical damage to the insured
product, including spilled liquids. The damage shall not be “Nuclear Hazard” means any nuclear reaction or radiation or
foreseeable and shall be beyond your control or the control of any radioactive contamination from any other cause.
anyone you entrusted with the insured product.
“Pre-existing Condition” means failures or defects which you
“Computer Virus” means any program, applications, scripts or should have reasonably known to be present prior to the
code intended to contaminate or destroy data. It includes but is effective date of this Certificate.
not limited to any of the following: self-replicating viruses,
worms, trojans, logic bombs, spyware or other malware. It does “Product Owner,” “You,” and “Your” mean the person or
not mean defect or programming errors, such as the inability of entity whose insured product is covered by this Certificate.
a program to process any naturally occurring calendar date.
“Theft” means the unlawful taking or removing of the insured
“Group” means product owners who enroll in and we accept product without your consent and with the intent to deprive
for coverage under the Policy and who also maintain you of the insured product. This includes burglary and
mechanical and electrical breakdown coverage for the robbery.
product under a service and repair program approved by us.
“We,” “Us,” and “Our” mean American Bankers Insurance
“Group Policyholder” (“Policyholder”) means T-Mobile USA, Company of Florida.
Inc., the organization that holds the Group Policy.
WHEN COVERAGE IS EFFECTIVE
“Insured Product” (“Product”) means any of the following
items: If you were provided this coverage at the same time You
1. your new or reconditioned T-Mobile USA, Inc. purchased your insured product, this coverage will take effect
communications device(s) as listed on your T-Mobile 12:01 a.m. on the date you purchased your insured product
USA, Inc. purchase receipt/service and will cover your insured product through the coverage term
agreement/coverage confirmation or registered by or until cancelled by either you or us.
you with (and approved by) us;
2. any replacement communication device of like kind If you were provided this coverage on a date later than the
and quality provided by the policyholder, the purchase of your insured product, this coverage will take effect
manufacturer, or us under this Certificate; immediately after we validate your insured product’s
3. any upgrade technology of like kind and quality conditions and will cover your insured product through the
provided by us under this Certificate or purchased by coverage term or until cancelled by either you or us.
you and approved by us; and

AB3242CPC-1112 Page 1 AB3242CPC-1112 TMP

38094011
To be eligible for coverage under this Certificate, you must be a including if induced to do so by any fraudulent
member of the group. Your coverage under this Certificate scheme, trick, device or false pretense;
begins upon our approval. If approved, your coverage is 15. war, including undeclared or civil war, insurrection,
retroactive to the date the coverage was provided by the rebellion, revolution; warlike act of a military force,
policyholder. Should we disapprove your coverage, we will including action in hindering or defending against an
notify you in writing within thirty (30) days and refund to the actual or expected attack, by government, sovereign
policyholder any premium paid. or other authority using military personnel or other
agents;
For month-to-month coverage, you also must be an active 16. nuclear hazard;
customer of the policyholder to be covered under this 17. non-authorized repair or service, or an error in
Certificate. programming or instructions, or damages caused by
non-authorized repair personnel;
COVERED CAUSES OF LOSS 18. illegal trade or confiscation by any governmental
authority;
We will cover the insured product against direct and sudden 19. computer viruses;
loss, damage, or failure caused by: 20. loss to property held in inventory or held as stock in
1. fire or lightning; trade;
2. windstorm or hail; 21. cosmetic damage that does not affect functionality of
3. explosion or smoke; the insured product;
4. riot or civil commotion; 22. accidental damage;
5. aircraft or vehicles; 23. mechanical and electrical breakdown.
6. marine perils while on ferries and/or in cars or
transfers in connection with land conveyances; Regardless of the cause of loss, this Certificate will not pay the
7. volcanic eruption; following additional costs incurred as a result of any loss:
8. vandalism or malicious mischief; 1. extra expenses, programming, data reconstruction,
9. theft; data recovery (including contacts, ring tones and
10. mysterious disappearance. games);
2. software or hardware that is added after the original
EXCLUSIONS insured product purchase;
3. program installation or reconfiguration;
We will not pay for loss to an insured product caused by or 4. costs which are recoverable under the manufacturer’s
resulting from: warranty or a separate service and repair program that
1. acts of God not listed in the Covered Causes of Loss covers the insured product.
provision;
2. consequential, incidental or intentional damage CONDITIONS
caused by you;
3. misuse, abuse, neglect by you or anyone entrusted Territory: The insured product will be covered anywhere in the
with the insured product; world; however, losses will only be adjusted in, and repairs and
4. pre-existing conditions; replacements will only be provided in, the United States, its
5. rust, corrosion, mold, dust, sand, dirt, or damage territories or possessions, and Canada.
from exposure to environmental conditions;
6. insect infestation; Duties After Loss: In the event of loss or damage, which may
7. “no problem found” diagnosis or any defects that are become a claim under this Certificate, you are required to:
subject to a manufacturer’s warranty; 1. report all claims immediately. This Certificate only
8. claims arising from any breach of implied or covers those claims reported within ninety (90) days
expressed warranty of merchantability or fitness of of the date of the loss. To file a claim, you may call
the insured product from the manufacturer or issues us toll-free at 1-866-866-6285 or visit us at
related to a manufacturer’s recall; myTMOclaim.com. A service representative will
9. error or omission in design or system configuration, assist you by telephone and/or remote online
faulty construction or any original defect in the support to diagnose the insured product’s issue, file
insured product; your claim, and if approved, arrange for any
10. depreciation or obsolescence; applicable repair or replacement of the insured
11. failure to follow manufacturer’s maintenance product.
recommendations; 2. send to us, within thirty (30) days after our request,
12. delay or loss of market, loss of income or or as soon as practical, your signed, sworn proof of
interruption of business; loss which sets forth, to the best of your knowledge
13. intentional and/or dishonest acts by you, or anyone and belief:
else with an interest in the insured product or a. the date, time, and cause of loss;
anyone entrusted with the insured product; b. specifications of the reported loss to the
14. voluntary parting with the insured product by you insured product.
or anyone entrusted with the insured product, 3. protect the insured product from further damage.

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4. notify your mobile service provider (if applicable) of 3. provide a monetary settlement equal to the
the loss and disable the insured product. replacement product price, not to exceed the
5. submit to an examination under oath, as well as an maximum replacement value of the insured product
examination of the insured product either by the less any applicable deductible.
policyholder or us if requested.
6. cooperate with us in the investigation or settlement When you receive the replacement product, credit, or
of the claim. settlement, the original insured product will become our
7. satisfy any deductible applicable to your insured property. You are responsible for returning the original insured
product loss. product to us including any subsequent shipping costs such as
express or expedited shipping, or any reshipping expenses.
In the event of loss due to theft, vandalism or malicious
mischief, a report of such loss must be made: Once we receive the original insured product, we will inspect
1. to the applicable police authority with jurisdiction; the unit and validate that the reported loss is covered under this
and Certificate. Should we determine that the loss resulted from an
2. as soon as reasonably possible. exclusion to this Certificate, we will contact you with our
findings and arrange either to:
Failure to report the loss or file proof of loss as stated above 1. charge to you the difference between the price of the
may result in a denial of a claim under this Certificate. replacement product, credit, or settlement and the
current market value of the original insured product;
Claim Settlement Method: If the insured product suffers a or
covered loss, we will, at our option, repair or replace the 2. return to you the original insured product and
insured product within thirty (30) days of receipt of proof of charge you the price of the replacement product,
loss. If you do not agree with our claims determination, you credit, or monetary settlement; or
will receive the benefit you are entitled to receive within thirty 3. return to you the original insured product after we
(30) days after: receive the replacement product, credit, or
1. a final agreement is reached between you and us; settlement. The returned replacement product must
2. a final judgment is entered against us; or be in the same condition that we sent it to you.
3. an arbitration award is entered in your favor.
Maximum Replacement Value: A per claim limit of U.S.
In the event of a covered loss, we will not repair or replace the $1,200.00 applies to each Covered loss to repair or replace the
insured product unless our cost will exceed the deductible insured product.
applicable to the covered loss.
Aggregate Limit of Liability: A maximum of three (3) insured
Repair Location: Repairs to damaged insured products will be product replacement(s) or repair(s) will be allowed in any one
performed at an authorized repair center determined by us. twelve (12) month period based on the date of first replacement
Repairs shall normally be available and rendered during the or repair. No further replacement(s) or repair(s) will be provided
regular working hours and work week of the product repair for the remainder of this period.
center.
Reinstatement of Limit After Loss: The maximum replacement
Replacement Option: At our option, we may either: value will not be reduced by the settlement of any claim.
1. replace the insured product with a new, refurbished,
or certified replacement product of like kind and Deductible: You will be assessed a non-refundable deductible
quality to the insured product at the time of loss if each time there is a claim settlement.
we are unable to repair the insured product or
where the repair cost exceeds the current retail Deductible Schedule:
replacement value of the insured product. While we
will try to accommodate specific replacement Please see the Deductible Schedule for your deductible amount.
preferences such as device color, cosmetics, or
features, this request is not guaranteed. The price of
the replacement product shall not exceed the Tier 1 Tier 2 Tier 3 Tier 4 Tier 5
maximum replacement value of the insured product Deductible $10 $49 $99 $149 $249
less any applicable deductible. If we replace the
insured product, we will provide you with the
replacement product; or Unrecovered Equipment Fee: If the original insured product is
2. issue a credit equal to the replacement product price, not returned to us within ten (10) calendar days from the date
not to exceed the maximum replacement value of the we ship the replacement product to you, we will charge you a
insured product less any applicable deductible. The non-refundable Unrecovered Equipment Fee. Please see the
credit, with your authorization, will be deposited in Unrecovered Equipment Fee Schedule for your equipment
your account with the policyholder and may be used group.
by you toward the purchase of any communications
device of your choice; or

AB3242CPC-1112 Page 3 AB3242CPC-1112 TMP

38094013
Unrecovered Equipment Fee Schedule: rata and one day equals one month of earned premium. Any
applicable refund will be paid to the policyholder.

Tier 1 Tier 2 Tier 3 Tier 4 Tier 5 If you cancel or do not renew your service with the
policyholder for any reason or are no longer a member of the
Up to $150 $350 $600 $800 $1,200 covered group, this constitutes cancellation of this Certificate by
you. Any unearned premium will be calculated pro rata and
Salvage: If we settle a claim on the insured product and the refunded to the policyholder.
product owner or we recover the insured product:
1. the benefit of recovery will be ours up to the total Certificate Cancellation by Us:
value of our settlement; and
2. we will retain all salvage value of the recovered 1. We may cancel or nonrenew this Certificate by mailing or
property until we have been fully reimbursed for our delivering written notice stating the reason for cancellation
settlement. or nonrenewal to your mailing address last known to us or
as otherwise authorized by you, including the effective date
Subrogation: If we become liable for payment under this of cancellation or nonrenewal at least:
Certificate, you will: a. thirty (30) days prior to the effective date of this
1. assign to us your rights of recovery against any: Certificate if this Certificate has been in effect for sixty
a. person; or (60) days or less
b. organization; b. sixty (60) days prior to the effective date of this
2. give us whatever assistance that: Certificate if this Certificate has been in effect for more
a. is in your power; and than sixty (60) days.
b. we require to secure such rights; and
3. do nothing after the loss to prejudice our rights. If we cancel or nonrenew, proof of mailing will be sufficient
proof of notice. We will calculate any unearned premium pro
Waiver or Change of Certificate Provisions: A waiver or change rata and one day will equal one month earned premium. Any
of a provision of this Certificate must be in writing by us to be applicable refund will be refunded to the policyholder .
valid.
2. If this Certificate has been in effect for more than sixty (60)
Assignment: This Certificate may not be assigned to another days, we may cancel or nonrenew only for one or more of
person or entity without our written consent. We will have no the following reasons:
liability under this Certificate in the case of assignment without a. nonpayment of premium by the policyholder;
such written consent. b. if this Certificate was obtained by misrepresentation or
fraud;
Other Insurance: This Certificate provides primary coverage in c. any act which measurably increases the risk originally
the event the insured product is insured under any other policy accepted;
or certificate. d. you violate any terms and conditions of this Certificate;
e. certification to the Director of the state Department of
Legal Action Against Us: No legal action may be brought against Insurance of the loss of reinsurance by the insurer that
us unless: provided coverage to us or a substantial part of the
1. there has been full compliance with all of the terms underlying risk insured;
and conditions of this Certificate; and f. a determination by the Director of the State
2. the action is brought within two (2) years after you Department of Insurance that the continuation of the
have knowledge of the loss. Policy could place us in violation of the insurance laws
of this state.
Certificate Cancellation by You: You may cancel this Certificate
by: Termination: Coverage under this Certificate will terminate on
1. mailing or delivering to us advance written notice of the date of cancellation of the Policy or when you are no longer
cancellation; or a member of the covered group. Any unearned premium will be
2. returning the Certificate to us. calculated pro rata and refunded to the policyholder.

If you notify us within the first thirty (30) days from the Continuous renewal: Contingent upon payment of the premium
effective date and no claims have been filed, we will cancel the by the policyholder, the Certificate documents originally issued
Certificate as of the effective date and refund any premium paid to you will remain in effect.
to the policyholder.
Concealment, Misrepresentation or Fraud: We will not pay for a
If you notify us within the first thirty (30) days from the loss if you at any time intentionally conceal or misrepresent a
effective date and have submitted a claim against this Certificate, material fact concerning:
no refund will be made to the policyholder. 1. this Certificate;
2. the insured product, including the value of such
If you cancel this Certificate after the first thirty (30) days from product reported to us;
the effective date, any unearned premium will be calculated pro

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3. your interest in the insured product; or portions of the arbitration provision, except that in no event
4. a claim under this Certificate. shall this arbitration provision be amended or construed to
permit arbitration on behalf of a group or class. For the
Physical Environment: You agree to take due care to maintain a purpose of this arbitration provision, American Bankers
physical environment (levels of temperature, humidity, dust) in Insurance Company of Florida shall be deemed to include all of
keeping with the recommendations of the manufacturer of the its affiliates, successors and assigns, including but not limited to
insured product. American Bankers Insurance Company of Florida, their
respective principals, partners, officers and directors, and all of
Arbitration: READ THE FOLLOWING ARBITRATION the dealers, licensees, agents, and employees of any of the
PROVISION (“PROVISION”) CAREFULLY. IT LIMITS foregoing entities. This arbitration provision shall inure to the
CERTAIN OF YOUR RIGHTS, INCLUDING YOUR benefit of and be binding on You and each of the
RIGHT TO A JURY TRIAL AND TO OBTAIN aforementioned persons and entities. This provision shall
REDRESS THROUGH COURTS. continue in full force and effect subsequent to and
notwithstanding the expiration or termination of this Policy or
As used in this arbitration provision, “You” and “Your” mean Certificate.
the policyholder or policyholders, insureds, or additional
insureds, and all of his/her heirs, survivors, assigns and No Class Actions/No Joinder of Parties: You agree that any
representatives. “We” and “Us” mean American Bankers arbitration proceeding will only consider Your claims. Claims by,
Insurance Company of Florida. or on behalf of, other individuals will not be arbitrated in any
proceeding that is considering Your claims. You also agree that
Any and all claims, disputes, or controversies of any nature You will not join with others to bring claims in the same
whatsoever (whether in contract, tort or otherwise), including arbitration proceeding unless all such persons are named on
statutory, common law, fraud (whether by misrepresentation or Your Policy or Certificate.
by omission) or other intentional tort, property, or equitable
claims arising out of, relating to, or in connection with (1) this YOU AND WE UNDERSTAND AND AGREE THAT
Policy or Certificate or any prior Policy or Certificate issued by BECAUSE OF THIS ARBITRATION PROVISION,
Us to You, (2) any credit, loan or purchase transaction in NEITHER YOU NOR WE WILL HAVE THE RIGHT
connection with which this Policy or Certificate or any prior TO GO TO COURT EXCEPT AS PROVIDED ABOVE,
Policy or Certificate was issued by Us to You, or (3) the validity, OR TO HAVE A JURY TRIAL, OR TO PARTICIPATE
scope, interpretation, or enforceability of this provision or of the AS ANY MEMBER OF A CLASS OF CLAIMANTS
entire Policy or Certificate (“claim”), shall be resolved by binding PERTAINING TO ANY CLAIM.
arbitration before a single arbitrator. Unless You and We
mutually agree on an alternative, the arbitration will take place in Liberalization: If we adopt any revision which would broaden
the county and state where You live. All arbitrations shall be the coverage under this Certificate without additional premium
administered by the American Arbitration Association (“AAA”) within sixty (60) days prior to, or during the coverage period, the
in accordance with its expedited procedures of the commercial broadened coverage will immediately apply to this Certificate.
arbitration rules of the AAA in effect at the time the claim is
filed. The terms of this provision shall control any inconsistency Changes: Certificate documents originally issued will remain in
between the AAA’s rules and this provision. You may obtain a effect unless revised documents are issued to you. We retain the
copy of the AAA’s rules by calling 1-800-778-7879. Upon right to revise the Certificate at any time and adjust the coverage
written request, We will advance to You either all or part of the terms including the premium and the deductible. In the event of
fees of the AAA and of the arbitrator after You have been a material change, you will be provided at least thirty (30) days’
unsuccessful in obtaining a waiver of fees and costs from the advance written notice of such changes. You may cancel
AAA. The arbitrator will decide whether You or We will be coverage at any time without penalty, but if the policyholder
responsible for these fees. The arbitrator shall apply relevant continues to pay premiums after a change in premiums, coverage
substantive federal and state law and applicable statutes of terms or the deductible, you will be bound by those changes.
limitations and shall provide written, reasoned findings of fact
and conclusions of law. This arbitration provision is part of a Conformity to Statute: We agree that any terms of this
transaction involving interstate commerce and shall be governed Certificate not in compliance with applicable law are conformed
by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. If any portion to comply with such laws. If any portions of this Certificate are
of this arbitration provision is deemed invalid or deemed invalid or unenforceable, it shall not invalidate the
unenforceable, it shall not invalidate the remaining remaining portions of this Certificate.

AB3242CPC-1112 Page 5 AB3242CPC-1112 TMP

38094015
American Bankers Insurance Company of Florida
A Stock Insurance Company
Administrative Office: 11222 Quail Roost Drive, Miami, FL 33157-6596  305.253.2244

COMMUNICATION DEVICE PROTECTOR


MANDATORY AMENDATORY ENDORSEMENT
FLORIDA

THIS ENDORSEMENT AMENDS THE CERTIFICATE. PLEASE READ IT CAREFULLY.

Under CONDITIONS, Claim Settlement Method, is deleted and replaced with the following:

Claim Settlement Method:

If the insured product suffers a covered loss, we will, at our option, repair or replace the insuredproduct within twenty (20) days
of receipt of proof of loss. If the product owner does not agree with our claims determination, the product owner will receive
the benefit they are entitled to receive within twenty (20) days after:
1. a final agreement is reached between us and the product owner;
2. a final judgment is entered against us; or
3. an appraisal award is entered in product owner’s favor.

In the event of a covered loss, we will not repair or replace the insured product unless our cost will exceed the deductible applicable to
the covered loss.

Under CONDITIONS, Legal Action Against Us, is deleted and replaced with the following:

Legal Action Against Us:

No legal action may be brought against us unless:


1. there has been full compliance with all of the terms and conditions of this Policy and any issued Certificate; and
2. the action is brought within five (5) years after.

Under CONDITIONS, Certificate Cancellation by Us, is deleted and replaced with the following:

Certificate Cancellation by Us:

1. We may cancel or nonrenew a Certificate by mailing or delivering written notice stating the reason for cancellation or
nonrenewal to the product owner’s mailing address last known to us, including the effective date of cancellation or
nonrenewal at least:

a. ten (10) days before the effective date of cancellation or nonrenewal if we cancel for nonpayment of premium; or
b. twenty (20) days before the effective date of cancellation or nonrenewal if we cancel or nonrenew for any other reason
when the Certificate has been in effect for less than ninety (90) days.

If we cancel or nonrenew a Certificate, proof of mailing will be sufficient proof of notice. We will calculate any unearned premium pro rata
and one day will equal one month earned premium. Any applicable refund will be refunded to the policyholder.

2. When the Certificate has been in effect for ninety (90) days or more, we may cancel or nonrenew for one or more of the
following reasons:
a. nonpayment of premium by you;
b. material misrepresentation;
c. failure to comply with our underwriting requirements;
d. substantial change in risk; or
e. when cancellation or nonrenewal applies to all insureds within a given class.

3. Notice will be given:


a. ten (10) days prior to cancellation for nonpayment of premium; or
b. forty-five (45) days prior to cancellation for any other reason.

Under CONDITIONS, Arbitration is hereby deleted and replaced with the following:
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Appraisal:

If the product owner and we fail to agree on the value of the insured product or the means or satisfaction of loss, either party may
make written demand for an appraisal on such value of the insured product or the means or satisfaction of loss. If demand for an
appraisal is requested, each party shall select a competent and disinterested appraiser within twenty (20) days from the date of the
written demand. The appraisers will then select an umpire. In the event the appraisers cannot agree on an umpire, they may request
that the selection of the umpire be made by a judge of a court having jurisdiction. Each appraiser will determine the value of the
insured product or the means or satisfaction of loss. If the determinations made by the appraisers are not the same, then each
appraiser will submit his value of the insured product or the means or satisfaction of loss to the umpire. A decision agreed to by any
two will determine the value of the insured product or the means or satisfaction of loss. Each party will: (i) pay for its chosen
appraiser and (ii) bear the expenses of the appraisal and the umpire equally.

ALL OTHER TERMS AND CONDITIONS OF THE GROUP POLICY REMAIN THE SAME.

AB3398EPC-1112 AB3398EPC-1112
38094017
FLORIDA NOTICE
Customer Inquiry: Should you have an inquiry about coverage or to obtain assistance in resolving a complaint, you may contact the
company by calling this telephone number:

(305) 253-2244

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JUMP TERMS AND CONDITIONS

THE JUMP PROGRAM IS GOVERNED BY THE TERMS AND CONDITIONS SET FORTH HEREIN. C-WORK SOLUTIONS LP, WITH OFFICES AT
625 WILLOW SPRINGS LANE, YORK, PA 17406 (“CWORK”), IS ENTERING INTO A BINDING AGREEMENT WITH “YOU”, THE PARTICIPATING
SUBSCRIBER. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY TO UNDERSTAND YOUR RIGHTS AND OBLIGATIONS FOR
PARTICIPATING IN JUMP. IF YOU PARTICIPATE IN THE JUMP PROGRAM, YOU AGREE TO THE TERMS AND CONDITIONS OUTLINED
BELOW (THE “AGREEMENT”).

I. Program Description (Generally). The JUMP program is a premium VII. Trade-In and Evaluation Process. To trade in Your Eligible Device
upgrade program for T-Mobile USA, Inc. (T-Mobile Puerto Rico LLC if under the JUMP Program, You must surrender the Eligible Device and its
you are a Puerto Rico customer) (collectively “T-Mobile”) customers who battery to CWork via one of the available channels, which may include In-
(i) have purchased a T-Mobile Device authorized to be used on Store, Self-Ship or other as identified by T-Mobile from time to time. If
T-Mobile’s network (“Device”) with an Equipment Installment Plan In-Store or Self-Ship options are available, You must surrender the
Agreement with T-Mobile or its assignee Creditor (“Equipment Eligible Device as follows:
Installment Plan (EIP) Agreement”); and (ii) purchase a new Device,
under an EIP Agreement from a participating T-Mobile store (“T-Mobile In-Store: If You conduct Your T-Mobile Upgrade at a participating
Upgrade”). When You trade in Your Eligible Device for a T-Mobile T-Mobile store and an authorized T-Mobile representative determines
Upgrade, CWork will remit, to T-Mobile or its assignee Creditor, subject that Your Eligible Device is in Good Working Order, You will turn over
to this Agreement, an amount equal to the current outstanding balance Your Eligible Device to T-Mobile. CWork will then remit to T-Mobile an
due on the EIP Agreement associated with the Eligible Device (“JUMP amount equal to the outstanding balance due for the Eligible Device
Program”). under the EIP Agreement at the time T-Mobile approves its condition for
credit to Your T-Mobile account. If the T-Mobile representative
II. Representations. By enrolling in the JUMP Program You represent and reasonably determines that the Eligible Device is not in Good Working
warrant that You: Order, You may file a claim for a replacement Device under the PHP
a) are over the age of eighteen (18) (21 years old or legally Terms. If the claim is approved and You have paid the applicable
emancipated if you are a Puerto Rico customer) and are free to deductible amount, You may use the new Eligible Device as Your trade-in
enter into this Agreement; Device for Your JUMP benefit. The replacement Device’s IMEI will be
b) lawfully own the Eligible Device; updated on Your EIP Agreement. If You file a claim that is approved and
c) understand that when You trade in Your Eligible Device for the completed under PHP and begin the T-Mobile Upgrade process using
JUMP benefit, You surrender ownership rights to the Eligible Your replacement Eligible Device under the JUMP Program, the claim
Device and CWork is under no obligation to return the Eligible will count towards the PHP program’s benefit limits.
Device to You; and
d) agree to provide CWork with the information necessary to remit to Self-Ship: If You conduct Your T-Mobile Upgrade at a participating
T-Mobile or its assignee Creditor the amount equal to the current T-Mobile Store and decide either to turn in Your Eligible Device at a later
outstanding balance due on the EIP Agreement relevant to the time, or process Your trade-in over the phone, or process Your trade-in
Eligible Device. online (the online trade-in option is not available for Puerto Rico
customers), You must ship Your Eligible Device to CWork per the
III. Applicability. This Agreement is supplemental to, and separate from any directions provided to You. Your Eligible Device must be properly
service agreement(s) or other terms and conditions You have with shipped to avoid damage during transit; CWork may make adjustments to
T-Mobile including, but not limited to, Your wireless Services Agreement, the trade-in value based upon evaluation of quality and condition on
T-Mobile Terms and Conditions, and the EIP Agreement (collectively the receipt. Subject to the terms in this Agreement, CWork will remit to
“T-Mobile Agreements”) and The Premium Handset Protection Terms T-Mobile or its Assignee Creditor an amount equal to the outstanding
and Conditions and Wireless Equipment Insurance Program Certificate balance due under the EIP Agreement for Your Eligible Device at the
(Equipment Protection Program if you are a Puerto Rico customer) time it is received and approved by CWork. You will receive a T-Mobile
(collectively “PHP Terms”). To the extent that these Terms and bill credit for the trade-in value within three (3) billing cycles.
Conditions conflict with any other provision of any other terms and
conditions of the T-Mobile Agreements, the provision(s) in the T-Mobile If You ship a Device that matches the IMEI on Your EIP Agreement
Agreements shall apply. directly to CWork for trade-in under the JUMP Program, but CWork
finds that it is not in Good Working Order, the Device will not be
IV. In order to be eligible to receive benefits under the JUMP Program, considered an Eligible Device. We will contact You and assist You with
You must satisfy the following eligibility requirements. filing a claim for a replacement Device under the PHP Terms. If the claim
a) Program Eligibility. You must have an eligible wireless service is approved and You have paid the applicable deductible, You may use
plan, have purchased an Eligible Device from T-Mobile under an the replacement Device to trade in for Your JUMP benefit. IF YOU
EIP Agreement, be enrolled in the JUMP Program no later than CHOOSE NOT TO FILE A CLAIM, THE DEVICE WILL NOT BE
fourteen (14) days from purchase date of the Eligible Device or at RETURNED TO YOU.
such other times as may be identified, and regularly pay Your
monthly JUMP Program charge when due. You must also be If You ship a Device to CWork and the IMEI does not match the one
current and in good standing with Your (i) PHP Terms; and (ii) identified on Your EIP Agreement, it is not an Eligible Device, shipping it
T-Mobile Agreements. to CWork will not entitle You to any JUMP Program benefits, and THE
b) Device Eligibility. The Eligible Device must (i) match the IMEI DEVICE WILL NOT BE RETURNED TO YOU. Your shipment of
identified on the EIP Agreement, or at CWork’s discretion any such Device to CWork constitutes Your agreement to T-Mobile’s Device
replacements provided by T-Mobile, the manufacturer, or by the Recovery Program (“DRP”) Terms and Conditions. Please see the DRP
administrator in accordance with the PHP Terms; and (ii) power Terms and Conditions at www.t-mobile.com for details.
on and have its hardware and software operating in a manner VIII. Benefit Limit for New York Residents. If Your PHP coverage
consistent with the original Manufacturer’s specifications, and terminates, Your JUMP enrollment ends, and You will lose any unused
neither have a cracked screen nor water damage (“Good Working JUMP benefits. Any JUMP benefits available to You must be used prior
Order”) as determined by CWork in its reasonable discretion to receiving a replacement Device on the second approved claim for the
(“Eligible Device”). You must also have paid at least 50% of Your Eligible Device during a 12-month period. See PHP Terms for details.
Device cost for the Eligible Device. You may re-enroll in JUMP when You become eligible again as set out in
V. Program Term. The JUMP Program is a month-to-month program and Section IV.
Your right to receive benefits afforded under JUMP is contingent upon IX. Your Obligation to Protect Your Private and Personal Information.
Your continued Program Eligibility. Your participation in the JUMP It is Your sole responsibility to protect or secure any information on Your
Program is continuous until cancelled pursuant to Section XI. Device. You are responsible for removing data and personal information,
VI. Requesting Program Benefits. You may request Your JUMP benefits in which includes, but is not limited to, SIM cards, memory cards,
a manner that T-Mobile makes available to you, which may change from passwords, contacts, emails, pictures or calendars. Consult Your Users
time to time. These may include: a) going to a participating T-Mobile Guide to learn how to erase or remove such information. You may keep
location; b) calling T-Mobile Care at 1-800-937-8997 (1-888-440-4846 for Your removable memory card. You are also obligated to reset Your
Puerto Rico customers) and telling the representative You wish to Device to factory settings and disable any passwords or locking features
upgrade under the JUMP Program; or c) upgrading via the T-Mobile such as Find My iPhone. If you fail to do so, it will not be eligible for
website at www.t-mobile.com. Web upgrades are not available for Puerto trade-in.
Rico customers. You must then trade-in Your Eligible Device via one of X. Transferability and Availability. This Agreement is non-transferable.
the available channels pursuant to the process below. The JUMP Program is available only in the United States and Puerto Rico,
excluding Guam.

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XI. Cancellation. You may cancel the JUMP Program at any time for any the time the Claim is filed. The terms of this Provision shall control any
reason by mailing a request for cancellation or calling 1-800-937-8997 inconsistency between the AAA’s Rules and this Provision. You may
(1-888-440-4846 for Puerto Rico customers). If You cancel Your wireless obtain a copy of the AAA’s Rules by calling 1-800-778-7879. Upon
service with T-Mobile for any reason, including nonpayment or if written request, We will advance to You either all or part of the fees of
T-Mobile cancels Your wireless service, this constitutes cancellation of the AAA and of the arbitrator. The arbitrator will decide whether You or
Your participation in the JUMP Program. We will be responsible for these fees. The arbitrator shall apply relevant
substantive law and the applicable statute of limitations and shall provide
If You or CWork cancel Your enrollment in the JUMP Program for any written, reasoned findings of fact and conclusions of law. The arbitration
reason, You are no longer eligible for JUMP Program benefits or coverage shall be held at a location selected by Us within the state in which this
under Premium Handset Protection (Equipment Protection Program in Program was purchased. This Provision is part of a transaction involving
Puerto Rico) for the Eligible Device and may not re-enroll the same interstate commerce and shall be governed by the Federal Arbitration Act,
Eligible Device at a later date. See Your PHP Terms for details about 9 U.S.C. § 1 et seq. IF ANY PORTION OF THIS PROVISION IS
Your Premium Handset Protection (Equipment Protection Program in DEEMED INVALID OR UNENFORCEABLE, IT SHALL NOT
Puerto Rico). INVALIDATE THE REMAINING PORTIONS OF THE
CWork has the right to cancel Your JUMP Program benefits for cause, PROVISION, EXCEPT THAT IN NO EVENT SHALL THIS
including, without limitation, in case of fraud or misrepresentation in any PROVISION BE AMENDED OR CONSTRUED TO PERMIT
way by You, substantial breach of duties by You, or failure to maintain CLASS ARBITRATION OR ARBITRATION ON BEHALF OF
Your T-Mobile Agreements in good standing. ANY INDIVIDUAL OTHER THAN YOU. This Provision shall
inure to the benefit of and be binding on You, Your assignees, and Us
Your participation in the JUMP Program is subject to our business and shall continue in full force and effect subsequent to and
policies, practices, and procedures, which we can change without notice. notwithstanding the expiration or termination of this Program. You agree
CWork reserves the right to modify this Agreement or to cancel Your that any arbitration proceeding will only consider Your Claims. Claims by
participation in the JUMP Program at any time, at Our sole discretion. If or on behalf of other individuals will not be arbitrated in any proceeding
We materially change the JUMP Program or a term in this Agreement in a that is considering Your Claims. YOU AND WE UNDERSTAND
manner that is materially adverse to You, We will provide You with at AND AGREE THAT BECAUSE OF THIS PROVISION,
least 30 days’ written notice of the effective date of the change. In the NEITHER YOU NOR WE WILL HAVE THE RIGHT, EXCEPT
event the JUMP Program is cancelled (other than for cause) and You are AS MAY BE PROVIDED ABOVE, TO GO TO COURT, OR TO
currently eligible, You may receive one benefit under the JUMP Program HAVE A JURY TRIAL, OR TO PARTICIPATE AS ANY
prior to the effective date of the cancellation. No refunds will be MEMBER OF A CLASS OF CLAIMANTS PERTAINING TO
provided. Cancellation will be effective even if You do not use the JUMP ANY CLAIM.
benefit.
Puerto Rico customers: We will provide you with a determination
XII. Waiver of Liability. IN NO EVENT SHALL CWORK OR T-MOBILE regarding any dispute that is presented to us in our store, in writing, or by
OR THEIR RESPECTIVE AGENTS, AFFILIATES, OFFICERS OR phone at 1-877-281-9767 within fifteen (15) days after we receive it. You
EMPLOYEES BE LIABLE TO YOU FOR ANY INCIDENTAL, will have twenty (20) days from the mailing date of the notification to
CONSEQUENTIAL, EXEMPLARY, INDIRECT, SPECIAL, OR request reconsideration of our determination’s result. You may appeal our
PUNITIVE DAMAGES arising out of, from, or related to Your resolution’s determination to the Telecommunications Regulatory Board
participation in the JUMP Program regardless of the form of action (“Telecommunications Board”) by filing a petition for review up to thirty
(including, but not limited to, negligence) and regardless as to whether (30) days after the date of our determination. Your petition for review
CWork or T-Mobile has been advised of the possibility of any such loss or shall be made through the filing of a document containing the following
damage. In the event a court of competent jurisdiction finds this Section information: (a) your name and address; (b) our company name; (c) the
unenforceable, You agree that the extent of CWork’s or T-Mobile’s pertinent facts; (d) any applicable legal provisions that you are aware of;
liability shall be no more than One Hundred Dollars ($100.00). and (e) the remedy you are requesting. The document may be filed
XIII. Independent Contractor. This Agreement and the JUMP Program in no handwritten or typewritten, and must be signed by you. You must send us
way constitutes or gives rise to a partnership, joint venture or other a copy of your document to the following address: CWork, 625 Willow
relationship between CWork and T-Mobile. CWork operates under these Springs Lane, York, PA 17406, Attn.: Customer Service Manager and to
terms and conditions as an independent contractor and not as an agent T-Mobile Puerto Rico LLC, 654 Muñoz Rivera Avenue, Suite 2000, Hato
for T-Mobile. Rey, Puerto Rico 00918, Attn.: Customer Care Manager. You must send
your petition for review to the Telecommunications Board at the
XIV. Indemnity. You agree to indemnify and hold CWork and T-Mobile and following address: 500 Ave. Roberto H. Todd (Pda. 18 – Santurce), San
their respective parent, subsidiaries, affiliates, officers, directors, agents, Juan, Puerto Rico 00907-3941. The Telecommunications Board will
and employees harmless from any claim or demand, including reasonable review our determination only on appeal. You are advised of the
attorneys’ fees, made by any third party due, connected to, or arising out provisions regarding suspension of Service that appear in Law 33 of
of Your breach of this Agreement, Your acts or omissions, or Your July 7, 1985, Law 213 of September 12, 1996, and Regulation 8065
violation of any law or the rights of any third party. promulgated by the Telecommunications Board regarding the procedures
for customer’s dispute resolution and suspension of Services. You are also
XV. Dispute Resolution. You understand that T-Mobile is not a party to this advised of Regulation 7848 promulgated by the Telecommunications
Agreement, and that any disputes You may have with T-Mobile are
Board regarding general practices and procedures before such agency.
governed by Your agreement(s) with T-Mobile including without
limitation the Dispute Resolution and Arbitration provision set forth in XVII. Notice. You expressly consent to be contacted, for any and all purposes,
Section 2 of Your standard terms and conditions with T-Mobile. at any telephone number, or physical or electronic address You provide at
the time of Your JUMP enrollment. All notices or requests pertaining to
XVI. Arbitration Provision. READ THE FOLLOWING ARBITRATION these terms and conditions will be in writing and may be sent by any
PROVISION ("PROVISION") CAREFULLY. IT LIMITS reasonable means including; e.g., by mail, email, facsimile, text message or
CERTAIN OF YOUR RIGHTS, INCLUDING YOUR RIGHT TO
recognized commercial overnight courier. Notices to You are considered
OBTAIN RELIEF OR DAMAGES THROUGH COURT
delivered when sent to Your Device or by email or fax number You
ACTION. As used in this Provision, “You” and “Your” mean the person provided, or three (3) days after mailing to Your billing address.
or persons named in this Program, and all of his/her heirs, survivors,
assigns and representatives. “We” and “Us” shall mean the Program XVIII. Waiver; Severability. The failure of any party to require performance by
provider identified above and shall be deemed to include all of its agents. the other party of any provision hereof will not affect the full right to
Any and all claims, disputes, or controversies of any nature whatsoever require such performance at any time thereafter; nor will the waiver by
(whether in contract, tort or otherwise, including statutory, common law, either party of a breach of any provision hereof be taken or held to be a
fraud [whether by misrepresentation or by omission] or other intentional waiver of the provision itself. In the event that any provision of these
tort, property, or equitable claims) arising out of, relating to, or in terms and conditions will be unenforceable or invalid under any applicable
connection with: (1) this Program or any prior Program, and the purchase law or be so held by applicable court decision, such unenforceability or
thereof; and/or (2) the validity, scope, interpretation, or enforceability of invalidity will not render these terms and conditions unenforceable or
this Provision or of the entire Program (“Claim”), shall be resolved by invalid as a whole and in such event, such provisions will be changed and
binding arbitration before a single arbitrator (except as to Puerto Rico interpreted so as to best accomplish the objectives of such unenforceable
customers). All arbitrations shall be administered by the American or invalid provision within the limits of applicable law or applicable court
Arbitration Association (“AAA”) in accordance with its Expedited decisions.
Procedures of the Commercial Arbitration Rules of the AAA in effect at

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